{"id":1992,"date":"2018-12-13T23:17:55","date_gmt":"2018-12-13T22:17:55","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/l-obligation-de-domiciliation-de-revenus-une-pratique-denoncee-par-l-afub_-n.html"},"modified":"2020-07-28T15:30:41","modified_gmt":"2020-07-28T13:30:41","slug":"l-obligation-de-domiciliation-de-revenus-une-pratique-denoncee-par-l-afub_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/l-obligation-de-domiciliation-de-revenus-une-pratique-denoncee-par-l-afub_-n.html","title":{"rendered":"L’obligation de domiciliation de revenus, une pratique d\u00e9nonc\u00e9e par l\u2019AFUB"},"content":{"rendered":"

Domicilier ses revenus aupr\u00e8s de la banque qui accorde un cr\u00e9dit immobilier est devenu pratique courante, voire impos\u00e9e par la banque \u00e9mettrice du pr\u00eat. La Cour de justice de l’Union europ\u00e9enne install\u00e9e au Luxembourg est sollicit\u00e9e pour rendre un avis \u00e0 ce sujet au regard des r\u00e9glementations europ\u00e9ennes.<\/p>\n

Ce que pr\u00e9voit la loi fran\u00e7aise<\/h2>\n
Depuis le 1er janvier 2018, de nouvelles r\u00e8gles s’appliquent aux banques qui demandent aux emprunteurs une domiciliation bancaire en \u00e9change de l’obtention d’un cr\u00e9dit immobilier<\/strong>. Il fut longtemps consid\u00e9r\u00e9 comme acquis le fait de devoir changer de banque, \u00e0 la demande de l’\u00e9tablissement pr\u00eateur, dans le cadre de la mise en oeuvre d’un cr\u00e9dit immobilier.<\/p>\n

Cet usage, d\u00e9nomm\u00e9 domiciliation bancaire des revenus, est maintenant tr\u00e8s bien encadr\u00e9 par la loi<\/strong> et doit respecter deux conditions : cette obligation doit \u00eatre mentionn\u00e9e dans l’offre de pr\u00eat et l’avantage individualis\u00e9<\/strong> (souvent un taux d’int\u00e9r\u00eat pr\u00e9f\u00e9rentiel suppl\u00e9mentaire) qui en d\u00e9coule doit \u00eatre pr\u00e9cis\u00e9. L’obligation de domiciliation des revenus ne peut pas d\u00e9passer 10 ans<\/strong> et ne peut pas exc\u00e9der la dur\u00e9e du cr\u00e9dit. A l’issue de ce d\u00e9lai, l’emprunteur est libre de choisir une autre banque.<\/div>\n

Une loi mise en cause par l’AFUB<\/h2>\n
L’Association fran\u00e7aise des usagers des banques (AFUB) a demand\u00e9 au Conseil d’\u00c9tat, plus haute juridiction administrative fran\u00e7aise, l’annulation<\/strong> \u00ab\u00a0pour exc\u00e8s de pouvoir\u00a0\u00bb d’un d\u00e9cret, publi\u00e9 le 14 juin 2017, permettant \u00e0 une banque accordant un cr\u00e9dit immobilier \u00e0 des conditions avantageuses d’obliger l’emprunteur \u00e0 domicilier ses salaires ou revenus sur un compte de son \u00e9tablissement pour une dur\u00e9e maximale de dix ans ou couvrant la dur\u00e9e du cr\u00e9dit.<\/p>\n

Selon l’AFUB, cette r\u00e9glementation contrevient \u00e0 la facilitation de la mobilit\u00e9 bancaire<\/strong> introduite par des directives europ\u00e9ennes, l’emprunteur pouvant notamment perdre les conditions n\u00e9goci\u00e9es (telles qu’un taux pr\u00e9f\u00e9rentiel ou la gratuit\u00e9 des frais de dossier) ou se retrouver li\u00e9 pendant une longue p\u00e9riode \u00e0 la banque pr\u00eateuse. Le Conseil d’\u00c9tat a d\u00e9cid\u00e9 de renvoyer ces questions \u00e0 la Cour de justice de l’Union europ\u00e9enne,<\/strong> avant de statuer sur la requ\u00eate de l’AFUB, indique-t-il dans sa d\u00e9cision.<\/div>\n","protected":false},"excerpt":{"rendered":"

Domicilier ses revenus aupr\u00e8s de la banque qui accorde\u00a0un cr\u00e9dit immobilier est devenu pratique courante, voire\u00a0impos\u00e9e par la banque \u00e9mettrice du pr\u00eat. La Cour de justice de l\u2019Union europ\u00e9enne install\u00e9e au Luxembourg est sollicit\u00e9e pour rendre un avis \u00e0 ce sujet au regard des r\u00e9glementations europ\u00e9ennes.<\/p>\n","protected":false},"author":4,"featured_media":1993,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1992","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"yoast_head":"\nL'AFUB souhaite annuler l'obligation de domiciliation des revenus<\/title>\n<meta name=\"description\" content=\"Domicilier ses revenus aupr\u00e8s de la banque qui accorde\u00a0un cr\u00e9dit immobilier est encadr\u00e9 par la loi. 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