{"id":2076,"date":"2019-03-21T11:53:02","date_gmt":"2019-03-21T10:53:02","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/domicilier-ses-revenus-ne-devrait-plus-etre-obligatoire_-n.html"},"modified":"2020-07-28T15:30:39","modified_gmt":"2020-07-28T13:30:39","slug":"domicilier-ses-revenus-ne-devrait-plus-etre-obligatoire_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/domicilier-ses-revenus-ne-devrait-plus-etre-obligatoire_-n.html","title":{"rendered":"Domicilier ses revenus ne devrait plus \u00eatre obligatoire"},"content":{"rendered":"<div>L&rsquo;Assembl\u00e9e Nationale vient de voter la <strong>suppression de l&rsquo;obligation de la domiciliation des revenus <\/strong>en contrepartie d&rsquo;un cr\u00e9dit immobilier. Objectif : favoriser la mobilit\u00e9 bancaire.<\/p>\n<p>Les d\u00e9put\u00e9s ont vot\u00e9 un amendement au projet de loi Pacte revenant sur l&rsquo;encadrement de la domiciliation des revenus pour les pr\u00eats immobiliers. Le texte devrait entrer en vigueur en juin prochain, date pr\u00e9vue de l&rsquo;adoption d\u00e9finitive de la loi. Il <strong>annule ainsi l&rsquo;ordonnance <\/a><\/strong>du 1er juin 2017<\/a> qui autorisait les banques, depuis le 1er janvier 2018, \u00e0 demander \u00e0 leurs clients de <strong>domicilier leurs revenus<\/strong> chez elles pour une dur\u00e9e pouvant aller jusqu&rsquo;\u00e0 <strong>10 ans<\/strong> (ou couvrant la dur\u00e9e du cr\u00e9dit), en \u00e9change de l&rsquo;octroi d&rsquo;un cr\u00e9dit immobilier \u00e0 des conditions avantageuses.<\/div>\n<h2>Domicilier son salaire pendant 10 ans<\/h2>\n<p>En th\u00e9orie, ces r\u00e8gles ont \u00e9t\u00e9 \u00e9labor\u00e9es dans un <strong>but de protection des consommateurs<\/strong> car elles limitent la domiciliation des revenus \u00e0 dix ans. Elles visaient aussi \u00e0 donner un cadre l\u00e9gal \u00e0 une pratique largement r\u00e9pandue mais s&rsquo;appuyant sur des bases juridiques floues. En effet, en cas de contentieux, une clause de domiciliation des revenus incluse dans les pr\u00eats immobiliers sans contrepartie pr\u00e9cise (taux plus avantageux, r\u00e9duction de certains frais\u2026) \u00e9tait r\u00e9guli\u00e8rement consid\u00e9r\u00e9e comme abusive. Et surtout elles obligeaient&nbsp;les banques \u00e0 accorder <strong>en contrepartie un avantage<\/strong> \u00e0 leurs clients, par exemple un taux d&rsquo;int\u00e9r\u00eat plus int\u00e9ressant. En pratique, toutefois, il est tr\u00e8s difficile de juger de la r\u00e9alit\u00e9 de ce type d&rsquo;avantages, selon les repr\u00e9sentants de consommateurs dont l&rsquo;Association fran\u00e7aise des usagers des banques (Afub).<\/p>\n<h2>Une mesure favorable aux emprunteurs<\/h2>\n<div>\u00ab&nbsp;<i>La domiciliation bancaire doit \u00eatre int\u00e9gr\u00e9e \u00e0 la n\u00e9gociation commerciale et ne saurait devenir une clause r\u00e9currente et syst\u00e9matique<\/i>&nbsp;\u00bb, explique Roland Lescure, rapporteur LREM du projet de loi cit\u00e9 par le quotidien Le Parisien \u2013 Aujourd&rsquo;hui en France. \u00ab&nbsp;<i>On l\u00e8ve un frein \u00e0 la mobilit\u00e9 bancaire&nbsp;<\/i>\u00bb. L&rsquo;auteur de l&rsquo;amendement, Coralie Dubost, d\u00e9put\u00e9e LREM, souligne m\u00eame que \u00ab&nbsp;<i>cette situation de monopole des banques est en contradiction avec le droit de la consommation fran\u00e7ais comme europ\u00e9en&nbsp;<\/i>\u00bb.<\/p>\n<p>Si le vote \u00e9tait confirm\u00e9 lors de la prochaine s\u00e9ance publique \u00e0 l&rsquo;Assembl\u00e9e nationale, \u00ab&nbsp;<i>ce serait un \u00e9pilogue heureux<\/i>&nbsp;\u00bb, se r\u00e9jouit Serge Ma\u00eetre, de l&rsquo;Association Fran\u00e7aise des Usagers des banques. Il signerait donc un<strong> retour \u00e0 la situation qui pr\u00e9valait avant 2018<\/strong>. \u00ab&nbsp;<i>L&rsquo;ordonnance risquait de cr\u00e9er un \u00e9ventuel probl\u00e8me de concurrence entre les banques<\/i>&nbsp;\u00bb, explique \u00e0 BFM Lavieimmo Roland Lescure. \u00ab&nbsp;<i>Cette obligation de domicilier les revenus doit faire partie de la n\u00e9gociation commerciale. Ce qui est essentiel, c&rsquo;est que les consommateurs puissent faire jouer la concurrence&nbsp;<\/i>\u00bb, ajoute-t-il.<\/div>\n","protected":false},"excerpt":{"rendered":"<p>L\u2019Assembl\u00e9e Nationale vient de voter la suppression de l\u2019obligation de la domiciliation des revenus en contrepartie d&rsquo;un cr\u00e9dit immobilier. Objectif : favoriser la mobilit\u00e9 bancaire.<\/p>\n","protected":false},"author":4,"featured_media":2077,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2076","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Vers la fin de l&#039;obligation de domiciliation des revenus ?<\/title>\n<meta name=\"description\" content=\"Les d\u00e9put\u00e9s vont voter la suppression de l\u2019obligation de la domiciliation des revenus en contrepartie d&#039;un cr\u00e9dit immobilier. 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