{"id":7152,"date":"2025-07-20T16:07:48","date_gmt":"2025-07-20T14:07:48","guid":{"rendered":"https:\/\/www.dana-avocats.fr\/?p=7152"},"modified":"2025-07-27T12:26:09","modified_gmt":"2025-07-27T10:26:09","slug":"credit-immobiliers-les-frontaliers-leses-seront-rembourses-tribune-de-geneve-le-30-avril-2025","status":"publish","type":"post","link":"https:\/\/www.dana-avocats.fr\/en\/credit-immobiliers-les-frontaliers-leses-seront-rembourses-tribune-de-geneve-le-30-avril-2025\/","title":{"rendered":"Cr\u00e9dit immobiliers: les frontaliers l\u00e9s\u00e9s seront rembours\u00e9s | Tribune de Gen\u00e8ve, le 30 avril 2025"},"content":{"rendered":"<p><a href=\"https:\/\/www.tdg.ch\/credit-immobiliers-les-frontaliers-leses-seront-rembourses-968202458836\">Cr\u00e9dit immobiliers: les frontaliers l\u00e9s\u00e9s seront rembours\u00e9s | Tribune de Gen\u00e8ve<\/a><\/p>\n\n\n\n<p>Haut du formulaire<\/p>\n\n\n\n<p>Bas du formulaire<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><a href=\"https:\/\/www.tdg.ch\/\"><strong>Home<\/strong><\/a><strong>|<\/strong><a href=\"https:\/\/www.tdg.ch\/geneve\"><strong>Gen\u00e8ve<\/strong><\/a><strong>|<\/strong><a href=\"https:\/\/www.tdg.ch\/geneve\/grand-geneve\"><strong>Grand Gen\u00e8ve<\/strong><\/a><strong>|<\/strong><\/p>\n\n\n\n<p>Cr\u00e9dit immobiliers: les frontaliers l\u00e9s\u00e9s seront rembours\u00e9s<\/p>\n\n\n\n<p><strong>Cr\u00e9dits immobiliers risqu\u00e9s<\/strong><\/p>\n\n\n\n<p><strong>Des frontaliers l\u00e9s\u00e9s par des pr\u00eats en francs suisses obtiennent gain de cause<\/strong><\/p>\n\n\n\n<p>La justice fran\u00e7aise annule des pr\u00eats dont les risques li\u00e9s \u00e0 l\u2019\u00e9volution du taux de change entre le franc et l\u2019euro ont \u00e9t\u00e9 mal expliqu\u00e9s aux emprunteurs.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"175\" height=\"175\" src=\"https:\/\/www.dana-avocats.fr\/wp-content\/uploads\/2025\/07\/image-2.jpeg\" alt=\"\" class=\"wp-image-7287\" srcset=\"https:\/\/www.dana-avocats.fr\/wp-content\/uploads\/2025\/07\/image-2.jpeg 175w, https:\/\/www.dana-avocats.fr\/wp-content\/uploads\/2025\/07\/image-2-150x150.jpeg 150w, https:\/\/www.dana-avocats.fr\/wp-content\/uploads\/2025\/07\/image-2-12x12.jpeg 12w\" sizes=\"(max-width: 175px) 100vw, 175px\" \/><\/figure>\n\n\n\n<p><a href=\"https:\/\/www.tdg.ch\/author\/17298908\/fabrice-breithaupt\"><strong>Fabrice Breithaupt<\/strong><\/a><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>Publi\u00e9 le 30 avril 2025 <\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.dana-avocats.fr\/wp-content\/uploads\/2025\/07\/image-3-1024x683.jpeg\" alt=\"\" class=\"wp-image-7288\" srcset=\"https:\/\/www.dana-avocats.fr\/wp-content\/uploads\/2025\/07\/image-3-1024x683.jpeg 1024w, https:\/\/www.dana-avocats.fr\/wp-content\/uploads\/2025\/07\/image-3-300x200.jpeg 300w, https:\/\/www.dana-avocats.fr\/wp-content\/uploads\/2025\/07\/image-3-768x512.jpeg 768w, https:\/\/www.dana-avocats.fr\/wp-content\/uploads\/2025\/07\/image-3-18x12.jpeg 18w, https:\/\/www.dana-avocats.fr\/wp-content\/uploads\/2025\/07\/image-3.jpeg 1058w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Des frontaliers ayant emprunt\u00e9 en francs suisses pour acqu\u00e9rir un bien immobilier ont perdu beaucoup d\u2019argent \u00e0 cause des effets de change.<\/p>\n\n\n\n<p>LUCIEN FORTUNATI<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>Dans une s\u00e9rie de d\u00e9cisions rendues entre cet hiver et ce printemps, la justice fran\u00e7aise a annul\u00e9 des cr\u00e9dits immobiliers contract\u00e9s en francs suisses par des travailleurs frontaliers.<\/p>\n\n\n\n<p>La derni\u00e8re d\u00e9cision a \u00e9t\u00e9 rendue le 17&nbsp;avril par le Tribunal judiciaire de Bourg-en-Bresse, dans l\u2019Ain. L\u2019instance a donn\u00e9 raison \u00e0 des frontaliers qui contestent leurs pr\u00eats en devise pour l\u2019acquisition d\u2019un bien,&nbsp;<a href=\"https:\/\/c.ledauphine.com\/economie\/2025\/04\/27\/la-justice-annule-les-prets-en-devise-de-frontaliers-qui-ont-perdu-de-l-argent\">rapporte \u00abLe Dauphin\u00e9 Lib\u00e9r\u00e9\u00bb<\/a>.<\/p>\n\n\n\n<p><strong>Risques sp\u00e9cifiques<\/strong><\/p>\n\n\n\n<p>Ces cr\u00e9dits pr\u00e9sentent des risques sp\u00e9cifiques li\u00e9s au cours de change entre le franc et l\u2019euro. Ils impactent les d\u00e9biteurs lorsque le premier s\u2019appr\u00e9cie par rapport au second, et dans deux situations particuli\u00e8res.<\/p>\n\n\n\n<p>La premi\u00e8re survient en cas de perte d&#8217;emploi en Suisse: les travailleurs frontaliers au ch\u00f4mage ne percevant plus de salaire en francs, ils doivent utiliser leur allocation ch\u00f4mage fran\u00e7aise pour continuer \u00e0 rembourser leur pr\u00eat en devise. Ces allocations \u00e9tant vers\u00e9es en euros, ils doivent en convertir une partie en francs. Or, la monnaie helv\u00e9tique n\u2019ayant cess\u00e9 de se renforcer face \u00e0 la monnaie europ\u00e9enne au cours des derni\u00e8res ann\u00e9es, le co\u00fbt de leurs mensualit\u00e9s et le co\u00fbt total d\u2019acquisition sont devenus tr\u00e8s (trop) lourds \u00e0 supporter, ce qui leur a fait perdre de l\u2019argent.<\/p>\n\n\n\n<p>L\u2019autre situation se produit lors de la revente du bien immobilier: si le pr\u00eat en devise est en cours, le propri\u00e9taire doit rembourser le capital restant d\u00fb \u00e0 sa banque de mani\u00e8re anticip\u00e9e. Or, selon les cas, entre le moment o\u00f9 certains emprunteurs ont contract\u00e9 un pr\u00eat en devises et celui o\u00f9 ils l\u2019ont sold\u00e9, le franc est devenu plus fort que l\u2019euro. La plus-value r\u00e9alis\u00e9e sur la transaction a \u00e9t\u00e9 entam\u00e9e par l&rsquo;\u00e9volution du taux de change, entra\u00eenant ainsi une perte de capital.<\/p>\n\n\n\n<p><strong>Tournant pour les frontaliers<\/strong><\/p>\n\n\n\n<p>Pour la justice, les emprunteurs ont \u00e9t\u00e9 mal inform\u00e9s de ces risques. Les pr\u00eats en devise ont donc \u00e9t\u00e9 d\u00e9clar\u00e9s nuls.<\/p>\n\n\n\n<p>Ces r\u00e9centes d\u00e9cisions constituent un tournant pour les frontaliers. \u00ab<em>Jusqu\u2019\u00e0 pr\u00e9sent, la sanction de nullit\u00e9 du pr\u00eat en devise \u00e9tait r\u00e9serv\u00e9e aux non-frontaliers, en application de la jurisprudence de la Cour de cassation de mars 2022<\/em>\u00bb, explique l\u2019avocat David Dana, dont le bureau parisien est \u00e0 l\u2019origine de ces victoires judiciaires, cit\u00e9 par le m\u00e9dia de France voisine.<\/p>\n\n\n\n<p><strong>Sommes \u00e0 r\u00e9cup\u00e9rer<\/strong><\/p>\n\n\n\n<p>Notre confr\u00e8re explique que l\u2019annulation d\u2019un pr\u00eat en francs entra\u00eene pour le frontalier \u00ab<em>la suppression de la perte li\u00e9e au change, l\u2019annulation des int\u00e9r\u00eats et primes d\u2019assurance et du capital restant d\u00fb, la compensation des cr\u00e9ances r\u00e9ciproques calcul\u00e9e en euros au taux en vigueur au jour de chaque paiement et, le cas \u00e9ch\u00e9ant, la restitution du trop-per\u00e7u par la banque<\/em>\u00bb. Au total, ce sont des dizaines de milliers d\u2019euros qui pourraient \u00eatre r\u00e9cup\u00e9r\u00e9s par chaque emprunteur l\u00e9s\u00e9.<\/p>\n\n\n\n<p>Les personnes qui s\u2019estiment concern\u00e9es peuvent&nbsp;<a href=\"https:\/\/www.dana-avocats.fr\/en\/formulaire-saisie\/\">d\u00e9poser un dossier sur le simulateur<\/a>&nbsp;mis en place par Me David Dana.<\/p>\n\n\n\n<p><strong>Immobilier et frontaliers<\/strong><\/p>\n\n\n\n<p><a href=\"https:\/\/www.tdg.ch\/votre-argent-pret-immobilier-en-francs-ou-en-euros-quelles-options-quand-on-est-frontalier-545209826603\"><\/a><\/p>\n\n\n\n<p><strong>Votre argentPr\u00eat immobilier: en francs ou en euros, quelles options quand on est frontalier?<\/strong><\/p>\n\n\n\n<p><a href=\"https:\/\/www.tdg.ch\/credits-toxiques-la-justice-soulage-des-frontaliers-437251126413\"><\/a><\/p>\n\n\n\n<p><strong>Toxic loans: justice relieves border workers<\/strong> <a href=\"https:\/\/www.tdg.ch\/credits-toxiques-la-justice-soulage-des-frontaliers-437251126413\">Cr\u00e9dits toxiques: la justice soulage des frontaliers | Tribune de Gen\u00e8ve<\/a><\/p>\n\n\n\n<p>Newsletter<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><a href=\"https:\/\/www.tdg.ch\/nos-newsletters\">Autres newsletters<\/a><\/p>\n\n\n\n<p>Se connecter<\/p>\n\n\n\n<p><strong>Fabrice Breithaupt<\/strong>&nbsp;est journaliste et secr\u00e9taire de r\u00e9daction RP depuis 1995. Il s\u2019occupe des questions transfrontali\u00e8res franco-suisses, mais aussi d&rsquo;immobilier, d\u2019emploi et de formation.<a href=\"https:\/\/www.tdg.ch\/author\/17298908\/fabrice-breithaupt\">Plus d&rsquo;infos<\/a><\/p>\n\n\n\n<p>Vous avez trouv\u00e9 une erreur?<a href=\"mailto:tes_correction@tamedia.ch?subject=Avis%20d%27erreur%20|%20Fabrice%20Breithaupt%20|%20Des%20frontaliers%20l\u00e9s\u00e9s%20par%20des%20pr\u00eats%20en%20francs%20suisses%20obtiennent%20gain%20de%20cause&amp;body=J%27ai%20trouv\u00e9%20une%20erreur%20dans%20cet%20article%3A%20https%3A%2F%2Fwww.tdg.ch%2Fcredit-immobiliers-les-frontaliers-leses-seront-rembourses-968202458836\">Merci de nous la signaler.<\/a><\/p>\n\n\n\n<p>53 commentaires<\/p>","protected":false},"excerpt":{"rendered":"<p>Cr\u00e9dit immobiliers: les frontaliers l\u00e9s\u00e9s seront rembours\u00e9s | Tribune de Gen\u00e8ve Haut du formulaire Bas du formulaire Accueil|Gen\u00e8ve|Grand Gen\u00e8ve| Cr\u00e9dit immobiliers: les frontaliers l\u00e9s\u00e9s seront rembours\u00e9s Cr\u00e9dits immobiliers risqu\u00e9s Des frontaliers l\u00e9s\u00e9s par des pr\u00eats en francs suisses obtiennent gain de cause La justice fran\u00e7aise annule des pr\u00eats dont les risques li\u00e9s \u00e0 l\u2019\u00e9volution du &#8230; <a title=\"Cr\u00e9dit immobiliers: les frontaliers l\u00e9s\u00e9s seront rembours\u00e9s | Tribune de Gen\u00e8ve, le 30 avril 2025\" class=\"read-more\" href=\"https:\/\/www.dana-avocats.fr\/en\/credit-immobiliers-les-frontaliers-leses-seront-rembourses-tribune-de-geneve-le-30-avril-2025\/\" aria-label=\"More on Cr\u00e9dit immobiliers: les frontaliers l\u00e9s\u00e9s seront rembours\u00e9s | Tribune de Gen\u00e8ve, le 30 avril 2025\">Read more<\/a><\/p>","protected":false},"author":2,"featured_media":7153,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[],"class_list":["post-7152","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-annulation-prets-en-chf"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Cr\u00e9dit immobiliers: les frontaliers l\u00e9s\u00e9s seront rembours\u00e9s | Tribune de Gen\u00e8ve, le 30 avril 2025 - DANA Avocats<\/title>\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\/credit-immobiliers-les-frontaliers-leses-seront-rembourses-tribune-de-geneve-le-30-avril-2025\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cr\u00e9dit immobiliers: les frontaliers l\u00e9s\u00e9s seront rembours\u00e9s | Tribune de Gen\u00e8ve, le 30 avril 2025 - DANA Avocats\" \/>\n<meta property=\"og:description\" content=\"Cr\u00e9dit immobiliers: les frontaliers l\u00e9s\u00e9s seront rembours\u00e9s | Tribune de Gen\u00e8ve Haut du formulaire Bas du formulaire Accueil|Gen\u00e8ve|Grand Gen\u00e8ve| Cr\u00e9dit immobiliers: les frontaliers l\u00e9s\u00e9s seront rembours\u00e9s Cr\u00e9dits immobiliers risqu\u00e9s Des frontaliers l\u00e9s\u00e9s par des pr\u00eats en francs suisses obtiennent gain de cause La justice fran\u00e7aise annule des pr\u00eats dont les risques li\u00e9s \u00e0 l\u2019\u00e9volution du ... 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