{"id":7515,"date":"2026-09-28T12:58:09","date_gmt":"2026-09-28T10:58:09","guid":{"rendered":"https:\/\/www.dana-avocats.fr\/?page_id=7515"},"modified":"2026-11-02T16:13:57","modified_gmt":"2026-11-02T14:13:57","slug":"swiss-franc-loans-alsace","status":"publish","type":"page","link":"https:\/\/www.dana-avocats.fr\/en\/prets-francs-suisses-alsace\/","title":{"rendered":"Swiss franc loans in Alsace"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><em>Updated September 28, 2026<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Around Mulhouse, Saint-Louis and the Sundgau, cross-border workers employed in the Basel region often took out Swiss franc mortgage loans with regional banks. Many of these contracts contain indexation clauses whose transparency can be challenged.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The firm analyzes the contract and the pre-contractual documents, then decides on the strategy: action on the merits, negotiation, or appeal against a decision already handed down.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Disputes fall in particular within the jurisdiction of the Judicial Courts of Mulhouse, Colmar and Strasbourg, and on appeal of the Colmar Court of Appeal.<\/p>\n\n\n\n<figure class=\"dd-fig\"><img loading=\"lazy\" class=\"dd-fig__img wp-image-7608\" src=\"\/wp-content\/uploads\/2026\/09\/AdobeStock_88939866-1024x680.jpeg\" srcset=\"\/wp-content\/uploads\/2026\/09\/AdobeStock_88939866-768x510.jpeg 768w, \/wp-content\/uploads\/2026\/09\/AdobeStock_88939866-1024x680.jpeg 1024w, \/wp-content\/uploads\/2026\/09\/AdobeStock_88939866-1536x1020.jpeg 1536w\" sizes=\"auto, (max-width: 600px) 100vw, 760px\" width=\"1024\" height=\"680\" alt=\"Cour d'appel de Colmar, fronton\" decoding=\"async\" style=\"object-position:center 50%\"><figcaption>Colmar Court of Appeal, the appellate court for the Judicial Courts of Alsace.<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Video<\/h2>\n\n\n\n<style>.dvr{display:grid;align-items:start;grid-template-columns:repeat(2,minmax(0,260px));justify-content:center;gap:24px;margin:8px auto 40px}.dvr button{all:unset;cursor:pointer;display:block;box-sizing:border-box}.dvr .t{position:relative;display:block;aspect-ratio:9\/16;border-radius:12px;overflow:hidden;background:#1F3447;box-shadow:0 10px 26px rgba(0,0,0,.16)}.dvr .t img,.dvr .t iframe{position:absolute;top:0;left:0;width:100%;height:100%;object-fit:cover;border:0;margin:0;border-radius:0;display:block}.dvr .p{position:absolute;left:50%;top:74%;width:60px;height:60px;margin:-30px 0 0 -30px;border-radius:50%;background:rgba(31,52,71,.85);border:2px solid rgba(255,255,255,.9);box-sizing:border-box}.dvr .p:after{content:\"\";position:absolute;left:20px;top:15px;border-left:19px solid #fff;border-top:13px solid transparent;border-bottom:13px solid transparent}.dvr .c{display:block;margin-top:10px;font-size:15px;line-height:1.4;color:#2D4156}@media(max-width:600px){.dvr{gap:12px}.dvr .c{font-size:13px}.dvr .p{width:46px;height:46px;margin:-23px 0 0 -23px}.dvr .p:after{left:15px;top:10px;border-left-width:15px;border-top-width:11px;border-bottom-width:11px}}<\/style>\n<div class=\"dvr\"><button type=\"button\" data-id=\"fVVzVYvJ258\" data-title=\"Le pi\u00e8ge du pr\u00eat en francs suisses\" aria-label=\"Play video: The Swiss franc loan trap\"><span class=\"t\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/i.ytimg.com\/vi\/fVVzVYvJ258\/oar1.jpg\" alt=\"\" width=\"1080\" height=\"1920\"><span class=\"p\"><\/span><\/span><span class=\"c\">The Swiss franc loan trap<\/span><\/button><button type=\"button\" data-id=\"gdV5FcP7fig\" data-title=\"Perdre son emploi en Suisse avec un pr\u00eat en francs suisses\" aria-label=\"Play video: Losing your job in Switzerland with a Swiss franc loan\"><span class=\"t\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/i.ytimg.com\/vi\/gdV5FcP7fig\/oar1.jpg\" alt=\"\" width=\"1080\" height=\"1920\"><span class=\"p\"><\/span><\/span><span class=\"c\">Losing your job in Switzerland with a Swiss franc loan<\/span><\/button><\/div>\n<script>document.addEventListener('click',function(e){var b=e.target.closest('.dvr button');if(!b||b.dataset.on)return;b.dataset.on=1;b.querySelector('.t').innerHTML='<iframe src=\"https:\/\/www.youtube-nocookie.com\/embed\/'+b.dataset.id+'?autoplay=1&#038;rel=0&#038;playsinline=1\" title=\"'+b.dataset.title+'\" allow=\"autoplay; encrypted-media; picture-in-picture; fullscreen\" allowfullscreen><\/iframe>';});<\/script>\n\n\n\n<h2 class=\"wp-block-heading\">Rulings obtained by DANA Avocats<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">In this jurisdiction, the firm has obtained the following decisions annulling Swiss franc loans granted to cross-border workers:<\/p>\n\n\n\n<div class=\"dd-dec\"><div class=\"dd-dec__court\"><img loading=\"lazy\" class=\"dd-dec__photo wp-image-7630\" src=\"\/wp-content\/uploads\/2026\/09\/AdobeStock_618021931_Editorial_Use_Only-1024x683.jpeg\" srcset=\"\/wp-content\/uploads\/2026\/09\/AdobeStock_618021931_Editorial_Use_Only-768x512.jpeg 768w, \/wp-content\/uploads\/2026\/09\/AdobeStock_618021931_Editorial_Use_Only-1024x683.jpeg 1024w, \/wp-content\/uploads\/2026\/09\/AdobeStock_618021931_Editorial_Use_Only-1536x1024.jpeg 1536w\" sizes=\"auto, (max-width: 600px) 100vw, 760px\" width=\"1024\" height=\"683\" alt=\"Judicial Court of Mulhouse, fa\u00e7ade\" decoding=\"async\" style=\"object-position:center 38%\"><span class=\"dd-dec__credit\">\u00a9 ERIC \u2013 stock.adobe.com<\/span><div class=\"dd-dec__head\"><span class=\"dd-dec__name\">Judicial Court of Mulhouse<\/span><span class=\"dd-dec__count\">7 judgments<\/span><\/div><ul class=\"dd-dec__list\"><li><span class=\"dd-dec__date\">June 27, 2025<\/span><span class=\"dd-dec__bank\">Cr\u00e9dit Mutuel Sud Alsace Territoire (formerly Porte d\u2019Alsace)<\/span><\/li><li><span class=\"dd-dec__date\">June 27, 2025<\/span><span class=\"dd-dec__bank\">Cr\u00e9dit Mutuel Rhin Jura<\/span><\/li><li><span class=\"dd-dec__date\">October 10, 2025<\/span><span class=\"dd-dec__bank\">Cr\u00e9dit Mutuel Sud Alsace Territoire<\/span><\/li><li><span class=\"dd-dec__date\">February 24, 2026<\/span><span class=\"dd-dec__bank\">Cr\u00e9dit Mutuel Sud Alsace Territoire<\/span><\/li><li><span class=\"dd-dec__date\">July 10, 2026<\/span><span class=\"dd-dec__bank\">Cr\u00e9dit Mutuel <em>(two judgments)<\/em><\/span><\/li><li><span class=\"dd-dec__date\">September 8, 2026<\/span><span class=\"dd-dec__bank\">Cr\u00e9dit Mutuel<\/span><\/li><\/ul><\/div><div class=\"dd-dec__court\"><div class=\"dd-dec__head\"><span class=\"dd-dec__name\">Judicial Court of Colmar<\/span><span class=\"dd-dec__count\">1 judgment<\/span><\/div><ul class=\"dd-dec__list\"><li><span class=\"dd-dec__date\">July 10, 2026<\/span><span class=\"dd-dec__bank\">Cr\u00e9dit Mutuel<\/span><\/li><\/ul><\/div><div class=\"dd-dec__court\"><div class=\"dd-dec__head\"><span class=\"dd-dec__name\">Judicial Court of Strasbourg<\/span><span class=\"dd-dec__count\">1 judgment<\/span><\/div><ul class=\"dd-dec__list\"><li><span class=\"dd-dec__date\">July 9, 2026<\/span><span class=\"dd-dec__bank\">CIC Est<\/span><\/li><\/ul><\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Each case remains subject to the court\u2019s assessment. <a href=\"\/en\/swiss-franc-loan-rulings\/\">See all rulings obtained \u2192<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">See also our <a href=\"\/en\/swiss-franc-loan-faq\/\">frequently asked questions<\/a>.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"\/en\/formulaire-saisie\/\">Estimate My Potential Gain<\/a><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Mis \u00e0 jour le 28 septembre 2026 Autour de Mulhouse, de Saint-Louis et du Sundgau, les frontaliers travaillant dans la r\u00e9gion b\u00e2loise ont souvent souscrit des pr\u00eats immobiliers en francs suisses aupr\u00e8s d&rsquo;\u00e9tablissements r\u00e9gionaux. Nombre de ces contrats comportent des clauses d&rsquo;indexation dont la transparence peut \u00eatre discut\u00e9e. Le cabinet analyse le contrat et la &#8230; <a title=\"Swiss franc loans in Alsace\" class=\"read-more\" href=\"https:\/\/www.dana-avocats.fr\/en\/prets-francs-suisses-alsace\/\" aria-label=\"More on Pr\u00eat en francs suisses en Alsace\">Read more<\/a><\/p>","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"content-type":"","footnotes":""},"class_list":["post-7515","page","type-page","status-publish"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Pr\u00eat en francs suisses en Alsace \u2013 Avocat des frontaliers - DANA Avocats<\/title>\n<meta name=\"description\" content=\"Pr\u00eat en francs suisses en Alsace : DANA Avocats d\u00e9fend les frontaliers et a obtenu la nullit\u00e9 de pr\u00eats devant les tribunaux de Mulhouse et de Strasbourg.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.dana-avocats.fr\/en\/swiss-franc-loans-alsace\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pr\u00eat en francs suisses en Alsace \u2013 Avocat des frontaliers - 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