{"id":5388,"date":"2024-08-19T11:03:57","date_gmt":"2024-08-19T11:03:57","guid":{"rendered":"https:\/\/rfblegal.co.uk\/?post_type=insight&p=5388"},"modified":"2025-11-14T14:41:16","modified_gmt":"2025-11-14T14:41:16","slug":"pret-relais-en-souffrance-que-se-passe-t-il-si-vous-ne-pouvez-pas-rembourser-un-pret-relais-a-temps","status":"publish","type":"insight","link":"https:\/\/rfblegal.co.uk\/fr\/perspectives\/pret-relais-en-souffrance-que-se-passe-t-il-si-vous-ne-pouvez-pas-rembourser-un-pret-relais-a-temps\/","title":{"rendered":"D\u00e9fauts de remboursement d'un cr\u00e9dit relais - Que se passe-t-il si vous ne pouvez pas rembourser un cr\u00e9dit relais \u00e0 temps ?"},"content":{"rendered":"

Bridging financer<\/a> is often used by property developers and investors in various situations, for example, where investors are buying<\/a> a new property while waiting for the sale of another<\/a> property or waiting for a refinance on another property. Before obtaining bridging finance it is worthwhile considering your exit strategies and understanding<\/a> les consequences<\/a> in the event that you default on the loan. <\/p>\n\n\n\n

Failing to repay a bridging loan<\/a> on time can have serious consequences. Bridging loans are designed for short-term borrowing, with most bridging lenders requiring the loan to be fully repaid within the agreed timeframe.<\/p>\n\n\n\n

It\u2019s crucial to carefully review the terms of your bridging loan, as they va<\/a> likely outline the consequences of breaching the agreement<\/a>. Failure to repay the loan by the end of the term will almost certainly constitute a breach<\/a> of your lending terms.<\/p>\n\n\n\n

Int\u00e9r\u00eat de retard<\/strong><\/h2>\n\n\n\n

If you default on your loan\u2014such as by failing to repay it by the end of the term\u2014the lender may impose a higher rate of interest. The terms concerning default interest<\/a> are usually specified in the original loan agreement, which you would have signed before taking out the loan.<\/p>\n\n\n\n

For further information on whether a lender\u2019s default interest rate may constitute an unenforceable penalty<\/a>, you can read our article here: \u201cTaux d'int\u00e9r\u00eat de retard du pr\u00eateur relais : La Haute Cour consid\u00e8re les int\u00e9r\u00eats de retard 4% comme une p\u00e9nalit\u00e9 inapplicable\u201d<\/a>.<\/p>\n\n\n\n

Frais suppl\u00e9mentaires<\/strong><\/h2>\n\n\n\n

In the event of a default on your bridging loan, the lender may seek to impose suppl\u00e9mentaires<\/a> fees. The lender’s right<\/a> to do so will depend on the terms of the original loan agreement. Some lenders may add a late payment charge, typically a relatively modest amount, while others may impose \u2018account review fees,\u2019 which could be significantly higher.<\/p>\n\n\n\n

Appel \u00e0 la proc\u00e9dure de pr\u00eat \/ de possession<\/strong><\/h2>\n\n\n\n

Si vous ne remboursez pas le pr\u00eat \u00e0 l'\u00e9ch\u00e9ance, le pr\u00eateur peut, selon les conditions du pr\u00eat, exiger le remboursement imm\u00e9diat de la totalit\u00e9 du montant.<\/p>\n\n\n\n

Si vous n'\u00eates pas en mesure de rembourser le pr\u00eat lorsque le remboursement imm\u00e9diat est exig\u00e9, le pr\u00eateur peut chercher \u00e0 reprendre possession du bien sur lequel le pr\u00eat est garanti.<\/p>\n\n\n\n

If the loan remains unpaid, bridging lenders are likely to have several legal options at their disposal. These may include issuing a claim to obtain a County Court Judgement, en service<\/a> statutory<\/a> demands, and \/ or presenting a winding-up or bankruptcy<\/a> petition.<\/p>\n\n\n\n

Si le pr\u00eat relais a \u00e9t\u00e9 contract\u00e9 par une soci\u00e9t\u00e9, le pr\u00eateur peut nommer des liquidateurs pour liquider la soci\u00e9t\u00e9 emprunteuse et r\u00e9aliser ses actifs, y compris ses biens, afin de rembourser le pr\u00eat.<\/p>\n\n\n\n

Ant\u00e9c\u00e9dents de cr\u00e9dit \/ score de cr\u00e9dit<\/strong><\/h2>\n\n\n\n

Borrowers should bear in mind that defaulting<\/a> on your bridging loan may well have an adverse impact on your credit history \/ credit score. <\/p>\n\n\n\n

Prolongation du pr\u00eat<\/strong><\/h2>\n\n\n\n

Selon les circonstances, le pr\u00eateur peut \u00eatre dispos\u00e9 \u00e0 prolonger la dur\u00e9e du pr\u00eat, bien que vous puissiez \u00eatre tenu de payer des frais de renouvellement, qui peuvent \u00eatre substantiels avec certains pr\u00eateurs. Veuillez noter que certains pr\u00eateurs relais peuvent \u00eatre dispos\u00e9s \u00e0 prolonger la dur\u00e9e du pr\u00eat \u00e0 condition que vous commenciez \u00e0 payer des int\u00e9r\u00eats mensuels plut\u00f4t que de vous permettre de continuer \u00e0 rouler les int\u00e9r\u00eats sur votre pr\u00eat.<\/p>\n\n\n\n

Maintaining communication with your lender is crucial. If you can demonstrate to the lender that you have an exit strategy\u2014or multiple strategies\u2014such as selling a property or refinancing<\/a>, which will allow you to repay the loan within a reasonable timeframe, the lender may agree to extend the term.<\/p>\n\n\n\n

Si vous \u00eates en mesure de prendre des mesures pour acc\u00e9l\u00e9rer la sortie, par exemple en acc\u00e9l\u00e9rant la vente ou le refinancement, cela am\u00e9liorera probablement vos chances de parvenir \u00e0 une r\u00e9solution \u00e0 l'amiable de toute situation de d\u00e9faut de paiement.<\/p>\n\n\n\n

Solicitors Bridging Loan Default : Nous contacter<\/h2>\n\n\n\n

David Burns<\/a>, Senior<\/a> Litiges<\/a> Partner at Ronald Fletcher Baker LLP, has extensive experience in handling<\/a> issues related to defaults on bridging loans. For inquiries on this topic, please contact<\/a> David Burns via<\/a> email at D.Burns@rfblegal.co.uk<\/a> ou par t\u00e9l\u00e9phone au 07762318409<\/a>.<\/p>","protected":false},"author":5,"featured_media":5389,"parent":0,"menu_order":0,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[63,20],"tags":[81],"class_list":["post-5388","insight","type-insight","status-publish","format-standard","has-post-thumbnail","hentry","category-commercial-property","category-property-litigation","tag-litigation-team-dj"],"acf":[],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t