{"id":7155,"date":"2025-07-20T16:08:47","date_gmt":"2025-07-20T14:08:47","guid":{"rendered":"https:\/\/www.dana-avocats.fr\/?p=7155"},"modified":"2025-07-27T13:47:56","modified_gmt":"2025-07-27T11:47:56","slug":"frontaliers-pactole-en-vue-apres-lannulation-de-prets-en-francs-suisses-20-minutes","status":"publish","type":"post","link":"https:\/\/www.dana-avocats.fr\/en\/frontaliers-pactole-en-vue-apres-lannulation-de-prets-en-francs-suisses-20-minutes\/","title":{"rendered":"Frontaliers: pactole en vue apr\u00e8s l\u2019annulation de pr\u00eats en francs suisses &#8211; 20 minutes &#8211; 28 avril 2025"},"content":{"rendered":"<p><strong><a href=\"Frontaliers: pactole en vue apr\u00e8s l\u2019annulation de pr\u00eats en francs suisses - 20 minutes\">Frontaliers: pactole en vue apr\u00e8s l\u2019annulation de pr\u00eats en francs suisses &#8211; 20 minutes<\/a><\/strong><\/p>\n\n\n\n<p><strong>Immobilier: certains frontaliers en passe d\u2019obtenir un pactole<\/strong><\/p>\n\n\n\n<p><strong>Des propri\u00e9taires ayant achet\u00e9 une maison avec un pr\u00eat en francs suisses ont \u00e9t\u00e9 l\u00e9s\u00e9s par les effets de change. La justice met le hol\u00e0. Des fortunes sont r\u00e9cup\u00e9rables.<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"143\" height=\"143\" src=\"https:\/\/www.dana-avocats.fr\/wp-content\/uploads\/2025\/07\/image.jpeg\" alt=\"\" class=\"wp-image-7281\" srcset=\"https:\/\/www.dana-avocats.fr\/wp-content\/uploads\/2025\/07\/image.jpeg 143w, https:\/\/www.dana-avocats.fr\/wp-content\/uploads\/2025\/07\/image-12x12.jpeg 12w\" sizes=\"(max-width: 143px) 100vw, 143px\" \/><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p><a href=\"https:\/\/www.20min.ch\/fr\/auteurs\/71956806\/jerome-faas\"><\/a><\/p>\n\n\n\n<p><strong>J\u00e9r\u00f4me Faas<\/strong><\/p>\n\n\n\n<p><\/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-1-1024x683.jpeg\" alt=\"\" class=\"wp-image-7282\" srcset=\"https:\/\/www.dana-avocats.fr\/wp-content\/uploads\/2025\/07\/image-1-1024x683.jpeg 1024w, https:\/\/www.dana-avocats.fr\/wp-content\/uploads\/2025\/07\/image-1-300x200.jpeg 300w, https:\/\/www.dana-avocats.fr\/wp-content\/uploads\/2025\/07\/image-1-768x512.jpeg 768w, https:\/\/www.dana-avocats.fr\/wp-content\/uploads\/2025\/07\/image-1-18x12.jpeg 18w, https:\/\/www.dana-avocats.fr\/wp-content\/uploads\/2025\/07\/image-1.jpeg 1058w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>La justice fran\u00e7aise juge que certains frontaliers ayant achet\u00e9 leur maison via un pr\u00eat en francs suisse ont perdu beaucoup d&rsquo;argent en raison des effets de change. Les sommes \u00e0 r\u00e9cup\u00e9rer (en euros) sont tr\u00e8s cons\u00e9quentes.<\/p>\n\n\n\n<p>Getty Images<\/p>\n\n\n\n<p>100\u2019000 euros, 150\u2019000 euros, voire bien plus selon les cas. Certains frontaliers ayant acquis leur logement gr\u00e2ce \u00e0 un emprunt r\u00e9alis\u00e9 en francs suisses sont susceptibles de r\u00e9cup\u00e9rer un pactole en raison de r\u00e9centes d\u00e9cisions de justice fran\u00e7aises. Celles-ci ont d\u00e9cr\u00e9t\u00e9 la nullit\u00e9 de pr\u00eats immobiliers accord\u00e9s en francs suisses \u00e0 des frontaliers par le Cr\u00e9dit Mutuel. \u00ab<em>L\u2019affaire est tr\u00e8s important<\/em>e\u00bb, juge Me David Dana. Cet avocat parisien estime que plusieurs dizaines de milliers de personnes pourraient \u00eatre concern\u00e9es, puisque l&rsquo;Auvergne-Rh\u00f4ne-Alpes regroupe 138&rsquo;000 frontaliers et que le taux moyen de propri\u00e9taires y est proche de 60%.<\/p>\n\n\n\n<p><strong>La d\u00e9gringolade de l&rsquo;euro<\/strong><\/p>\n\n\n\n<p>Ces gens, explique-t-il, ont \u00e9t\u00e9 expos\u00e9s \u00e0 un risque de change \u00ab<em>sans jamais avoir \u00e9t\u00e9 inform\u00e9s par les banques\u00bb<\/em>. Sont en particulier concern\u00e9s les frontaliers ayant acquis un bien avant la crise de l\u2019euro, en 2010. A son pic, en 2007, celui-ci valait 1,68 franc suisse. Aujourd\u2019hui, il n\u2019en vaut plus que 0,94. \u00abA priori, tout le monde pensait que puisque le frontalier avait emprunt\u00e9 (et devait rembourser) en francs suisses, mais \u00e9tait pay\u00e9 en francs suisses, il ne risquait rien. Mais c\u2019est faux!\u00bb<\/p>\n\n\n\n<p><strong>Des effets de change colossaux<\/strong><\/p>\n\n\n\n<p>Il donne l\u2019exemple d\u2019un frontalier ayant contract\u00e9 un pr\u00eat de 400\u2019000 CHF en octobre 2007. Cette somme est alors imm\u00e9diatement convertie en euros pour payer le vendeur, qui re\u00e7oit 238\u2019095 euros. Puis, le frontalier rembourse la banque sur 25 ou 30 ans, en francs suisses. Probl\u00e8me: les 238\u2019095 euros d\u2019alors en valent 425\u2019531 aujourd\u2019hui!<\/p>\n\n\n\n<p><strong>\u00abOn leur a dit qu&rsquo;il n&rsquo;y avait aucun risque\u00bb<\/strong><\/p>\n\n\n\n<p>Si tout va bien, l\u2019acheteur ne se rend compte de rien. Mais s\u2019il perd son emploi en Suisse ou doit vendre son bien, il a perdu une fortune. Les d\u00e9cisions rendues depuis janvier (trois en premi\u00e8re instance \u00e0 Bourg-en-Bresse, une en appel \u00e0 Lyon), qui annulent les pr\u00eats, leur permettent de r\u00e9cup\u00e9rer ces sommes envol\u00e9es. \u00ab<em>A l\u2019\u00e9poque, ils ont emprunt\u00e9 en francs suisses, car les taux d\u2019int\u00e9r\u00eats \u00e9taient plus avantageux, explique Me Dana. Ce n&rsquo;est ni juste, ni faux. Si vous prenez un risque illimit\u00e9, mais que vous \u00eates correctement inform\u00e9s, il n\u2019y a pas de probl\u00e8me. Or, on leur a dit qu\u2019il n\u2019y avait aucun risque. C\u2019est cela qui me d\u00e9range.<\/em>\u00bb<\/p>\n\n\n\n<p><strong>Les cons\u00e9quences de l\u2019annulation du pr\u00eat<\/strong><\/p>\n\n\n\n<p>Quand le pr\u00eat est annul\u00e9, l\u2019acheteur reste propri\u00e9taire du bien. Il doit rendre \u00e0 la banque la somme mise \u00e0 sa disposition, soit le montant converti en euros (c\u2019est cela qui est important) \u00e0 la date de la signature. La banque, elle, doit lui rembourser les traites pay\u00e9es, converties en euros au cours du jour de chaque paiement (\u00e9l\u00e9ment essentiel). Si l\u2019emprunteur a vers\u00e9 plus que le capital initial en euros, la banque lui verse le trop-per\u00e7u. Sinon, il r\u00e8gle la diff\u00e9rence. L\u2019annulation du pr\u00eat annule aussi les int\u00e9r\u00eats et les frais. Autrement dit, l\u2019acheteur peut r\u00e9cup\u00e9rer, en plus des fonds perdus en raison des effets de change (qui, on l&rsquo;a vu, peuvent tourner autour des 200&rsquo;000 euros), plusieurs dizaines de milliers d\u2019euros suppl\u00e9mentaires.<\/p>","protected":false},"excerpt":{"rendered":"<p>Frontaliers: pactole en vue apr\u00e8s l\u2019annulation de pr\u00eats en francs suisses &#8211; 20 minutes Immobilier: certains frontaliers en passe d\u2019obtenir un pactole Des propri\u00e9taires ayant achet\u00e9 une maison avec un pr\u00eat en francs suisses ont \u00e9t\u00e9 l\u00e9s\u00e9s par les effets de change. La justice met le hol\u00e0. Des fortunes sont r\u00e9cup\u00e9rables. J\u00e9r\u00f4me Faas La justice &#8230; <a title=\"Frontaliers: pactole en vue apr\u00e8s l\u2019annulation de pr\u00eats en francs suisses &#8211; 20 minutes &#8211; 28 avril 2025\" class=\"read-more\" href=\"https:\/\/www.dana-avocats.fr\/en\/frontaliers-pactole-en-vue-apres-lannulation-de-prets-en-francs-suisses-20-minutes\/\" aria-label=\"More on Frontaliers: pactole en vue apr\u00e8s l\u2019annulation de pr\u00eats en francs suisses &#8211; 20 minutes &#8211; 28 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-7155","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>Frontaliers: pactole en vue apr\u00e8s l\u2019annulation de pr\u00eats en francs suisses - 20 minutes - 28 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\/frontaliers-pactole-en-vue-apres-lannulation-de-prets-en-francs-suisses-20-minutes\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Frontaliers: pactole en vue apr\u00e8s l\u2019annulation de pr\u00eats en francs suisses - 20 minutes - 28 avril 2025 - DANA Avocats\" \/>\n<meta property=\"og:description\" content=\"Frontaliers: pactole en vue apr\u00e8s l\u2019annulation de pr\u00eats en francs suisses &#8211; 20 minutes Immobilier: certains frontaliers en passe d\u2019obtenir un pactole Des propri\u00e9taires ayant achet\u00e9 une maison avec un pr\u00eat en francs suisses ont \u00e9t\u00e9 l\u00e9s\u00e9s par les effets de change. 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20 minutes Immobilier: certains frontaliers en passe d\u2019obtenir un pactole Des propri\u00e9taires ayant achet\u00e9 une maison avec un pr\u00eat en francs suisses ont \u00e9t\u00e9 l\u00e9s\u00e9s par les effets de change. La justice met le hol\u00e0. Des fortunes sont r\u00e9cup\u00e9rables. J\u00e9r\u00f4me Faas La justice ... 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