Maître Aziza ABOU EL HAJA

Avocat au barreau de Nice

Compétences : Droit du dommage corporel, Droit pénal, Droit de la famille, des personnes et de leur patrimoine, Droit des assurances, Baux d'habitation, Droit du crédit et de la consommation

Barreau : Nice

Adresse : 1 Bd Général Delfino 06300 NICE

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Publié le 06/10/2020

REMBOURSEMENT CREDIT ET SUSPENSION PAIEMENT DES MENSUALITES

Article juridique - Droit bancaire et boursier

Par Me Aziza ABOU EL HAJA

REMBOURSEMENT CREDIT ET SUSPENSION PAIEMENT DES MENSUALITES

Je rencontre de grandes difficultés pour rembourser mon crédit immobilier. Puis-je demander une suspension de paiement de mes mensualités ?

La première démarche consiste à adresser un courrier à la banque prêteuse pour lui demander de vous accorder des délais de paiement. Mais rien ne l’oblige à accepter votre demande.

En cas de refus, vous pouvez saisir le tribunal pour solliciter un délai de grâce de deux ans, pendant lequel les remboursements du crédit seront suspendus sans occasionner de majorations, ni pénalités de retard.

Pour en bénéficier, il vous faudra constituer un dossier avec les documents attestant de vos difficultés financières, c'est-à-dire les justificatifs de la baisse de revenus ou du changement de situation : perte d’un emploi, naissance d’un enfant, divorce/séparation, etc.

Pour de plus amples informations, n'hésitez pas à me contacter.