{"id":14238,"date":"2020-04-08T18:06:03","date_gmt":"2020-04-08T18:06:03","guid":{"rendered":"https:\/\/www.welex.es\/?p=14238\/"},"modified":"2025-09-09T07:20:07","modified_gmt":"2025-09-09T07:20:07","slug":"la-suspension-des-prets-et-credits-en-espagne","status":"publish","type":"post","link":"https:\/\/www.welex.es\/fr\/la-suspension-des-prets-et-credits-en-espagne\/","title":{"rendered":"La suspension des pr\u00eats et cr\u00e9dits en Espagne"},"content":{"rendered":"

Par Welex, avocats en Espagne sp\u00e9cialis\u00e9s en droit immobilier.<\/strong><\/p>\n

\u00a0<\/strong><\/p>\n

La situation de crise sanitaire en Espagne caus\u00e9e par le coronavirus Covid 19 et le d\u00e9cret royal 11\/2020 mettent de nombreuses personnes en situation de vuln\u00e9rabilit\u00e9 particuli\u00e8re. Certaines, \u00e9trang\u00e8res en Espagne avec des pr\u00eats sans garanties hypoth\u00e9caires, sont limit\u00e9es ou parfois incapables de r\u00e9gler ces pr\u00eats en raison de la situation sanitaire. De la m\u00eame mani\u00e8re, nous y trouvons ceux qui ont garantit, au moyen d’une caution ou d’une garantie, l’accomplissement des obligations contract\u00e9es \u00e0 l’occasion de ces pr\u00eats.<\/p>\n

\"lawyer<\/p>\n

\u00c0 travers ce blog les avocats en Espagne sp\u00e9cialis\u00e9s en l\u00e9gislation immobili\u00e8re<\/strong> de notre cabinet Welex sont heureux de vous exposer les principales lignes pour suspendre les paiements, permettant d’apporter un soulagement financer \u00e0 la situation de crise sanitaire d\u00e9j\u00e0 compliqu\u00e9e.<\/p>\n

 <\/p>\n

Dans des cas dans lesquels il y a un pr\u00eat ou un cr\u00e9dit sans garantie hypoth\u00e9caire en Espagne, le d\u00e9cret royal pr\u00e9voit la suspension de celui-ci lorsque les emprunteurs, des individus, sont en situation de vuln\u00e9rabilit\u00e9 \u00e9conomique en Espagne \u00e0 cause de la crise sanitaire, s’appliquant \u00e9galement aux garants et aux cautions. Cette limitation subjective signifie qu’il ne s’applique pas aux contrats et d\u00e9biteurs autres que ceux mentionn\u00e9s par le d\u00e9cret royal lui-m\u00eame.<\/p>\n

 <\/p>\n

Afin que la suspension de contrats de pr\u00eat et de cr\u00e9dit en Espagne<\/strong> ait lieu, cela peut \u00eatre demand\u00e9 par le cr\u00e9ancier, jusqu’\u00e0 un mois apr\u00e8s la fin de l’\u00e9tat d’alerte.<\/p>\n

 <\/p>\n

Le cr\u00e9ancier, une fois que la situation de vuln\u00e9rabilit\u00e9 est accr\u00e9dit\u00e9e, proc\u00e9dera \u00e0 la suspension des obligations d\u00e9coulant du cr\u00e9dit, prolongeant automatiquement la r\u00e9siliation du contrat. En cons\u00e9quence, la suspension ne n\u00e9cessitera aucun accord entre les parties ni n’impliquera une novation du contrat sign\u00e9, et prendra effet \u00e0 compter de la p\u00e9riode d’application.<\/p>\n

 <\/p>\n

Dans les cas dans lesquels nous trouvons des droits qui peuvent \u00eatre enregistr\u00e9s dans un registre public, la suspension doit \u00eatre enregistr\u00e9e, pour laquelle un acte\u00a0 public doit \u00eatre accord\u00e9 apr\u00e8s le r\u00e9tablissement de la libert\u00e9 de mouvement des citoyens.<\/p>\n

 <\/p>\n

La suspension des pr\u00eats et cr\u00e9dits en Espagne<\/strong> aura une dur\u00e9e de 3 mois, qui peut \u00eatre prolong\u00e9e. Pendant cette p\u00e9riode les effets suivants seront engendr\u00e9s :<\/p>\n

 <\/p>\n

– aucun paiement ou autre \u00e9l\u00e9ment ne peut \u00eatre demand\u00e9<\/p>\n

– aucun int\u00e9r\u00eat ne sera gagn\u00e9<\/p>\n

– les sommes affect\u00e9es par le moratoire ne seront pas consid\u00e9r\u00e9es comme ayant expir\u00e9.<\/p>\n

 <\/p>\n

Enfin, en ce qui concerne les garants et cautions, ils peuvent tirer partie du b\u00e9n\u00e9fice de l’exon\u00e9ration (\u00e9puisement des actifs du d\u00e9biteur principal avant la r\u00e9alisation de ses actifs) m\u00eame s’ils y ont renonc\u00e9 contractuellement.<\/p>\n

N’h\u00e9sitez pas \u00e0 contacter notre cabinet d’avocats en Espagne sp\u00e9cialis\u00e9 en droit immobilier<\/strong><\/a><\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

Par Welex, avocats en Espagne sp\u00e9cialis\u00e9s en droit immobilier. \u00a0 La situation de crise sanitaire en Espagne caus\u00e9e par le coronavirus Covid 19 et le d\u00e9cret royal 11\/2020 mettent de nombreuses personnes en situation de vuln\u00e9rabilit\u00e9 particuli\u00e8re. Certaines, \u00e9trang\u00e8res en Espagne avec des pr\u00eats sans garanties hypoth\u00e9caires, sont limit\u00e9es ou parfois incapables de r\u00e9gler ces […]<\/p>\n","protected":false},"author":4,"featured_media":14166,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[273],"tags":[242,243,244,405,660],"class_list":["post-14238","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-propriete-en-espagne","tag-avocats-a-marbella","tag-avocats-costa-del-sol","tag-conseils-legaux-costa-del-sol","tag-conseil-fiscal-a-marbella","tag-comptables-marbella"],"acf":[],"yoast_head":"\nLa suspension des pr\u00eats et cr\u00e9dits en Espagne - Welex<\/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.welex.es\/fr\/la-suspension-des-prets-et-credits-en-espagne\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"La suspension des pr\u00eats et cr\u00e9dits en Espagne\" \/>\n<meta property=\"og:description\" content=\"Par Welex, avocats en Espagne sp\u00e9cialis\u00e9s en droit immobilier. \u00a0 La situation de crise sanitaire en Espagne caus\u00e9e par le coronavirus Covid 19 et le d\u00e9cret royal 11\/2020 mettent de nombreuses personnes en situation de vuln\u00e9rabilit\u00e9 particuli\u00e8re. 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