{"id":5388,"date":"2024-08-19T11:03:57","date_gmt":"2024-08-19T11:03:57","guid":{"rendered":"https:\/\/rfblegal.co.uk\/?post_type=insight&#038;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":"<p>Le financement relais est souvent utilis\u00e9 par les promoteurs immobiliers et les investisseurs dans diverses situations, par exemple lorsque les investisseurs ach\u00e8tent un nouveau bien immobilier en attendant la vente d'un autre bien immobilier ou en attendant le refinancement d'un autre bien immobilier. Avant d'obtenir un financement relais, il est utile de r\u00e9fl\u00e9chir \u00e0 vos strat\u00e9gies de sortie et de comprendre les cons\u00e9quences d'un \u00e9ventuel d\u00e9faut de paiement.&nbsp;<\/p>\n\n\n\n<p>Ne pas rembourser un pr\u00eat relais dans les d\u00e9lais impartis peut avoir de graves cons\u00e9quences. Les pr\u00eats relais sont con\u00e7us pour des emprunts \u00e0 court terme, la plupart des pr\u00eateurs relais exigeant que le pr\u00eat soit enti\u00e8rement rembours\u00e9 dans les d\u00e9lais convenus.<\/p>\n\n\n\n<p>Il est essentiel d'examiner attentivement les conditions de votre pr\u00eat relais, car elles pr\u00e9ciseront probablement les cons\u00e9quences d'un non-respect de l'accord. Le fait de ne pas rembourser le pr\u00eat \u00e0 la fin de la p\u00e9riode pr\u00e9vue constituera presque certainement une violation des conditions de pr\u00eat.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Int\u00e9r\u00eat de retard<\/strong><\/h2>\n\n\n\n<p>Si vous ne remboursez pas votre pr\u00eat, par exemple \u00e0 l'\u00e9ch\u00e9ance, le pr\u00eateur peut vous imposer un taux d'int\u00e9r\u00eat plus \u00e9lev\u00e9. Les conditions relatives aux int\u00e9r\u00eats de retard sont g\u00e9n\u00e9ralement pr\u00e9cis\u00e9es dans le contrat de pr\u00eat initial, que vous avez sign\u00e9 avant de contracter le pr\u00eat.<\/p>\n\n\n\n<p>Pour plus d'informations sur la question de savoir si le taux d'int\u00e9r\u00eat par d\u00e9faut d'un pr\u00eateur peut constituer une p\u00e9nalit\u00e9 inapplicable, vous pouvez lire notre article ici : <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/taux-dinteret-de-retard-des-preteurs-relais-la-haute-cour-estime-que-4-interets-de-retard-constituent-une-penalite-inapplicable\/\">\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<h2 class=\"wp-block-heading\"><strong>Frais suppl\u00e9mentaires<\/strong><\/h2>\n\n\n\n<p>En cas de d\u00e9faut de paiement de votre pr\u00eat relais, le pr\u00eateur peut chercher \u00e0 imposer des frais suppl\u00e9mentaires. Le droit du pr\u00eateur de le faire d\u00e9pend des termes du contrat de pr\u00eat initial. Certains pr\u00eateurs peuvent ajouter des frais de retard de paiement, g\u00e9n\u00e9ralement d'un montant relativement modeste, tandis que d'autres peuvent imposer des \u2018frais d'examen de compte\u2019, qui peuvent \u00eatre beaucoup plus \u00e9lev\u00e9s.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Appel \u00e0 la proc\u00e9dure de pr\u00eat \/ de possession<\/strong><\/h2>\n\n\n\n<p>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<p>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<p>Si le pr\u00eat reste impay\u00e9, les pr\u00eateurs relais disposeront probablement de plusieurs options juridiques. Il peut s'agir d'\u00e9mettre une r\u00e9clamation pour obtenir un jugement du tribunal de comt\u00e9, de signifier des demandes l\u00e9gales et\/ou de pr\u00e9senter une requ\u00eate de liquidation ou de faillite.<\/p>\n\n\n\n<p>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<h2 class=\"wp-block-heading\"><strong>Ant\u00e9c\u00e9dents de cr\u00e9dit \/ score de cr\u00e9dit<\/strong><\/h2>\n\n\n\n<p>Les emprunteurs doivent garder \u00e0 l'esprit qu'un d\u00e9faut de paiement de leur pr\u00eat relais peut avoir un impact n\u00e9gatif sur leurs ant\u00e9c\u00e9dents de cr\u00e9dit et leur cote de cr\u00e9dit.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Prolongation du pr\u00eat<\/strong><\/h2>\n\n\n\n<p>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<p>Il est essentiel de maintenir la communication avec votre pr\u00eateur. Si vous pouvez d\u00e9montrer au pr\u00eateur que vous disposez d'une strat\u00e9gie de sortie - ou de plusieurs strat\u00e9gies - comme la vente d'un bien immobilier ou le refinancement, qui vous permettra de rembourser le pr\u00eat dans un d\u00e9lai raisonnable, le pr\u00eateur acceptera peut-\u00eatre de prolonger la dur\u00e9e du pr\u00eat.<\/p>\n\n\n\n<p>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<h2 class=\"wp-block-heading\">Solicitors Bridging Loan Default : Nous contacter<\/h2>\n\n\n\n<p><a href=\"https:\/\/rfblegal.co.uk\/fr\/les-personnes\/david-burns\/\">David Burns<\/a>, David Burns, Senior Litigation Partner chez Ronald Fletcher Baker LLP, poss\u00e8de une grande exp\u00e9rience dans le traitement des questions li\u00e9es aux d\u00e9fauts de paiement des pr\u00eats-relais. Pour toute question sur ce sujet, veuillez contacter David Burns par courrier \u00e9lectronique \u00e0 l'adresse suivante <a href=\"mailto:D.Burns@rfblegal.co.uk\">D.Burns@rfblegal.co.uk<\/a> ou par t\u00e9l\u00e9phone au <a href=\"tel:07762318409\">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":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Bridging Loan Defaults - What Happens if You Can\u2019t Repay on Time<\/title>\n<meta name=\"description\" content=\"Learn the consequences of failing to repay a bridging loan on time, including default interest, additional fees, and potential legal actions.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"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\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bridging Loan Defaults - 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