Updated September 28, 2026
The French Genevois, the Chablais and the Pays de Gex account for a large share of the mortgage loans denominated in Swiss francs granted to cross-border workers. Many of these borrowers now find that their outstanding capital, expressed in euros, has not decreased as they expected.
The firm reviews the contract, the documents provided when the loan was taken out and the repayment history. It then assesses whether the indexation and foreign-currency repayment clauses can be challenged, and within what time frame.
Depending on the borrower’s domicile, disputes fall within the jurisdiction of the Judicial Courts of Annecy, Thonon-les-Bains or Bonneville, under the Chambéry Court of Appeal, and, for the Pays de Gex, of the Judicial Court of Bourg-en-Bresse and the Lyon Court of Appeal.
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Rulings obtained by DANA Avocats
In these jurisdictions, the firm has obtained several decisions annulling Swiss franc loans granted to cross-border workers, including:
© ERIC – stock.adobe.com- January 23, 2025Crédit Mutuel Gessien
- February 28, 2025Crédit Mutuel Saint-Genis-Ferney
- April 17, 2025Crédit Mutuel Gessien
- March 26, 2026Crédit Mutuel
- November 20, 2025Crédit Mutuel du Salève
- February 5, 2026Crédit Mutuel Région d’Annemasse
- March 24, 2026Caisse d’Épargne Rhône Alpes
- January 12, 2026Crédit Mutuel Vallée Verte
- March 27, 2025Lyonnaise de Banque
- March 5, 2026Lyonnaise de Banque
- June 4, 2026Banque Populaire Auvergne Rhône Alpes
Each case remains subject to the court’s assessment. See all rulings obtained →
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