Maître Anne-Sophie RAMOND

Avocat au barreau de Paris

Compétences : Droit commercial, des affaires et de la concurrence, Droit du travail, Droit bancaire et financier

Barreau : Paris

Adresse : 10 RUE DE LA NEVA 75008 PARIS

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Publié le 07/10/2026

Qui peut saisir votre bien immobilier ?

Article juridique - Droit bancaire et boursier

Par Me Anne-Sophie RAMOND

Introduction

Tout le monde ne peut pas saisir votre bien immobilier. La saisie immobilière est réservée aux créanciers qui réunissent certaines conditions. Comprendre qui peut agir, et dans quelles conditions, vous permet d'évaluer votre situation et les voies de défense disponibles.

Le créancier hypothécaire

Le créancier hypothécaire (en pratique, votre banque pour un prêt immobilier) est le saisissant le plus fréquent. L'hypothèque conventionnelle lui confère un droit réel sur l'immeuble, lui permettant de le faire vendre en cas de défaut de remboursement sans jugement préalable si l'acte notarié vaut titre exécutoire.

Le créancier chirographaire

Un créancier qui ne dispose que d'une créance ordinaire peut également saisir un immeuble — mais seulement après avoir obtenu un jugement condamnatoire définitif.

L'administration fiscale

Le Trésor public peut engager la saisie après mise en demeure restée infructueuse, selon des procédures propres au contentieux fiscal.

⚖ Civ. 2e, 4 novembre 2021, n°19-25.499

La Cour rappelle qu'un créancier chirographaire peut pratiquer une saisie immobilière dès lors qu'il dispose d'un titre exécutoire, sans qu'une tentative préalable de saisie sur les rémunérations ou comptes bancaires soit nécessaire.

Sur le même sujet : https://consultation.avocat.fr/blog/anne-sophie-ramond/article-2981991-la-decheance-du-terme-comprendre-et-contester.html

Vous pensez être dans une situation similaire ? Vous pouvez nous adresser un mail à l’adresse suivante : asr@asr-avocats.com, en nous indiquant :

• votre nom

• le montant du prêt

• la banque concernée

• vos coordonnées

Ou nous contacter directement via notre formulaire de contact sur https://www.jurisofia.com/contact-honoraires. Nous vous recontacterons dans les meilleurs délais pour vous donner un avis.

Pour de plus amples informations : https://www.jurisofia.com/