{"id":35977,"date":"2025-01-20T02:30:25","date_gmt":"2025-01-20T01:30:25","guid":{"rendered":"https:\/\/cclawyersalicante.com\/?page_id=35977"},"modified":"2025-03-25T23:49:54","modified_gmt":"2025-03-25T22:49:54","slug":"reclamer-lirph-indice-de-reference-des-prets-hypothecaires","status":"publish","type":"page","link":"https:\/\/cclawyersalicante.com\/fr\/litige-avec-votre-banque\/reclamer-lirph-indice-de-reference-des-prets-hypothecaires\/","title":{"rendered":"R\u00e9clamer L\u2019Irph (Indice de R\u00e9f\u00e9rence des Pr\u00eats Hypoth\u00e9caires)"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"35977\" class=\"elementor elementor-35977 elementor-35406\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-80bf98c e-flex e-con-boxed e-con e-parent\" data-id=\"80bf98c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-01798c0 e-con-full e-flex e-con e-child\" data-id=\"01798c0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-19f3333 e-flex e-con-boxed e-con e-child\" data-id=\"19f3333\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f7096dd elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"f7096dd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">R\u00c9CLAMER L\u2019IRPH (Indice de R\u00e9f\u00e9rence des Pr\u00eats Hypoth\u00e9caires)<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0b95e86 e-con-full e-flex e-con e-child\" data-id=\"0b95e86\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8006fc8 elementor-widget elementor-widget-shortcode\" data-id=\"8006fc8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><span class=\"last\">CC Lawyers Alicante<\/span><\/p><\/nav><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-25a13335 e-flex e-con-boxed e-con e-parent\" data-id=\"25a13335\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2dd73de4 e-con-full e-flex e-con e-child\" data-id=\"2dd73de4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-11a54453 e-con-full e-flex e-con e-child\" data-id=\"11a54453\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-600464d6 e-con-full e-flex e-con e-child\" data-id=\"600464d6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-281f9d12 elementor-widget elementor-widget-heading\" data-id=\"281f9d12\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Succ\u00e8s de 100%.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-69e1cc3d elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"69e1cc3d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Les r\u00e9clamations relatives aux pr\u00eats bancaires bas\u00e9s sur l\u2019indice IRPH ont eu un grave contretemps lorsque la Cour de Cassation s\u2019est prononc\u00e9e en faveur des Banques sur l\u2019IRPH le 22 novembre 2017.<\/p><p>Cela dit, nous sommes \u00e0 l\u2019attente d\u2019un jugement de la Cour de Justice de l\u2019Union Europ\u00e9enne (CJUE) et nous avons de bonnes nouvelles, car\u00a0<strong>l\u2019avocat de la CJUE s\u2019est prononc\u00e9 en faveur du remboursement de l\u2019IRPH<\/strong>\u00a0si la banque n\u2019a pas fourni au client les informations n\u00e9cessaires, ainsi qu\u2019avec la \u00ab\u00a0Clause Sol\u00a0\u00bb.<\/p><p>Cette d\u00e9cision de l\u2019avocat de la CJUE n\u2019est pas contraignante, mais la Cour Europ\u00e9enne normalement accepte les recommandations de l\u2019avocat qui a raison quatre fois sur cinq. Nous devons donc continuer \u00e0 esp\u00e9rer, mais maintenant avec plus d\u2019espoir.<\/p><p>Il existe en outre un rapport de la Commission Europ\u00e9enne sur l\u2019IRPH du 19 septembre 2018 qui se place en faveur des clients de l\u2019IRPH en exigeant de la Banque les m\u00eames exigences que sur la question de la \u00ab Clause Sol \u00bb et qu\u2019avant de signer le pr\u00eat aurait d\u00fb livrer et informer sur le fonctionnement de l\u2019indice IRPH, son \u00e9volution dans le temps et en comparaison avec d\u2019autres indices, comme par exemple l\u2019Euribor. Comme cela n\u2019a pas \u00e9t\u00e9 fait par aucune Banque il va se passer comme avec les Clauses Sol qui seront toutes nulles.<\/p><p>Pourtant, il y a de nombreuses possibilit\u00e9s d\u2019obtenir, dans les mois \u00e0 venir, une d\u00e9cision favorable de la CJUE sur cette question, donc il vaut la peine de commencer \u00e0 pr\u00e9senter une \u00e9ventuelle requ\u00eate, car s\u2019il y a un jugement favorable, il y aura multitude de r\u00e9clamations et donc beaucoup de retard dans les Cours et Tribunaux et r\u00e9clamer les premiers aura des avantages.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-402fc24b e-flex e-con-boxed e-con e-parent\" data-id=\"402fc24b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7a187c28 e-con-full e-flex e-con e-child\" data-id=\"7a187c28\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-123ae56c elementor-widget elementor-widget-text-editor\" data-id=\"123ae56c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"av-special-heading av-special-heading-h2 blockquote modern-quote modern-centered avia-builder-el-4 el_after_av_textblock el_before_av_textblock \"><div class=\"av-subheading av-subheading_below \"><p>Les clients concern\u00e9s par l\u2019IRPH qui souhaitent r\u00e9cup\u00e9rer les sommes pay\u00e9es en trop devront intenter une action en annulation de la clause qui inclut comme indice de r\u00e9f\u00e9rence l\u2019IRPH. Outre le remboursement des montants vers\u00e9s en trop, elle entra\u00eenera la suppression de cette clause et l\u2019application d\u2019un taux convenu pour le remplacer, qui sera normalement l\u2019Euribor.<\/p><p>Les personnes affect\u00e9es par l\u2019IRPH, peuvent solliciter judiciairement la nullit\u00e9 de la clause qui inclut comme indice de r\u00e9f\u00e9rence l\u2019IRPH qui entra\u00eenera son \u00e9limination et donc l\u2019application du taux convenu pour le remplacer, ainsi que le remboursement des sommes vers\u00e9es d\u00e8s la constitution du pr\u00eat hypoth\u00e9caire en appliquant l\u2019indice de r\u00e9f\u00e9rence \u00e9tabli.<\/p><p>Par cons\u00e9quent, la recommandation de notre Bureau est de commencer \u00e0 pr\u00e9parer la demande, car une fois que nous aurons un jugement favorable de la CJUE, nous pourrons poursuivre avec 100 % de probabilit\u00e9s de succ\u00e8s comme dans le cas des \u00ab\u00a0Clauses Sol\u00a0\u00bb.<\/p><p>Comme le succ\u00e8s sera pratiquement garanti si nous obtenons un jugement favorable de la CJUE, nous ne demanderons pas de provision pour intenter une action et comme la Banque sera s\u00fbrement condamn\u00e9e aux d\u00e9pens nous facturerons directement la banque en vous r\u00e9cup\u00e9rant l\u2019int\u00e9gralit\u00e9 de la somme r\u00e9clam\u00e9e.<\/p><p>Si vous \u00eates int\u00e9ress\u00e9 \u00e0 poursuivre en justice la suppression de l\u2019IRPH, vous pouvez nous contacter via notre formulaire, par t\u00e9l\u00e9phone ou par email pour \u00e9tudier la viabilit\u00e9 de l\u2019affaire et comme nous vous l\u2019avons indiqu\u00e9, pr\u00e9parer la demande jusqu\u2019\u00e0 ce que nous ayons le jugement de la CJUE. Si nous n\u2019avons pas de jugement favorable, vous n\u2019aurez pas \u00e0 payer l\u2019\u00e9tude de l\u2019affaire.<\/p><\/div><\/div><section class=\"av_textblock_section \"><div class=\"avia_textblock \"><p>\u00a0<\/p><\/div><\/section>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c2fa6dc e-flex e-con-boxed e-con e-parent\" data-id=\"c2fa6dc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-db68777 elementor-widget elementor-widget-shortcode\" data-id=\"db68777\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"container\" data-elementor-id=\"37371\" class=\"elementor elementor-37371 elementor-37070 elementor-37070\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3947ed2 e-flex e-con-boxed e-con e-parent\" data-id=\"3947ed2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-e6c570a e-flex e-con-boxed e-con e-child\" data-id=\"e6c570a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6c7afd6 e-con-full e-flex e-con e-child\" data-id=\"6c7afd6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-93986a3 e-con-full e-flex e-con e-child\" data-id=\"93986a3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-cba0686 e-con-full e-flex e-con e-child\" data-id=\"cba0686\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-4a3a5c2 e-con-full e-flex e-con e-child\" data-id=\"4a3a5c2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-30ab296 e-con-full e-flex e-con e-child\" data-id=\"30ab296\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6062823 elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"6062823\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><a href=\"\/fr\/droit-immobilier\/achat-bien-espagne-alicante\/\" tabindex=\"-1\"><img fetchpriority=\"high\" decoding=\"async\" width=\"295\" height=\"295\" src=\"https:\/\/cclawyersalicante.com\/wp-content\/uploads\/2024\/12\/Law-Book-2.png\" class=\"attachment-full size-full wp-image-22\" alt=\"\" srcset=\"https:\/\/cclawyersalicante.com\/wp-content\/uploads\/2024\/12\/Law-Book-2.png 295w, https:\/\/cclawyersalicante.com\/wp-content\/uploads\/2024\/12\/Law-Book-2-150x150.png 150w\" sizes=\"(max-width: 295px) 100vw, 295px\" \/><\/a><\/figure><div class=\"elementor-image-box-content\"><span class=\"elementor-image-box-title\"><a href=\"\/fr\/droit-immobilier\/achat-bien-espagne-alicante\/\">Acheter une propri\u00e9t\u00e9 en Espagne<\/a><\/span><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e96ce7 elementor-align-center elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-button\" data-id=\"6e96ce7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/fr\/droit-immobilier\/achat-bien-espagne-alicante\/\" rel=\"nofollow\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">En savoir plus<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d600dfb e-con-full e-flex e-con e-child\" data-id=\"d600dfb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0332a37 elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"0332a37\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><a href=\"\/fr\/droit-immobilier\/dissolution-de-la-copropriete\/\" tabindex=\"-1\"><img decoding=\"async\" width=\"295\" height=\"295\" src=\"https:\/\/cclawyersalicante.com\/wp-content\/uploads\/2024\/12\/Letter.png\" class=\"attachment-full size-full wp-image-23\" alt=\"\" srcset=\"https:\/\/cclawyersalicante.com\/wp-content\/uploads\/2024\/12\/Letter.png 295w, https:\/\/cclawyersalicante.com\/wp-content\/uploads\/2024\/12\/Letter-150x150.png 150w\" sizes=\"(max-width: 295px) 100vw, 295px\" \/><\/a><\/figure><div class=\"elementor-image-box-content\"><span class=\"elementor-image-box-title\"><a href=\"\/fr\/droit-immobilier\/dissolution-de-la-copropriete\/\">Vente d'un bien en copropri\u00e9t\u00e9<\/a><\/span><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0fdf2fb elementor-align-center elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-button\" data-id=\"0fdf2fb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/fr\/droit-immobilier\/dissolution-de-la-copropriete\/\" rel=\"nofollow\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">En savoir plus<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cf45958 e-con-full e-flex e-con e-child\" data-id=\"cf45958\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-55131d2 elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"55131d2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><a href=\"\/fr\/droit-immobilier\/fin-de-la-copropriete\/\" tabindex=\"-1\"><img decoding=\"async\" width=\"295\" height=\"295\" src=\"https:\/\/cclawyersalicante.com\/wp-content\/uploads\/2024\/12\/Legal.png\" class=\"attachment-full size-full wp-image-24\" alt=\"\" srcset=\"https:\/\/cclawyersalicante.com\/wp-content\/uploads\/2024\/12\/Legal.png 295w, https:\/\/cclawyersalicante.com\/wp-content\/uploads\/2024\/12\/Legal-150x150.png 150w\" sizes=\"(max-width: 295px) 100vw, 295px\" \/><\/a><\/figure><div class=\"elementor-image-box-content\"><span class=\"elementor-image-box-title\"><a href=\"\/fr\/droit-immobilier\/fin-de-la-copropriete\/\">Transfert de propri\u00e9t\u00e9 Alicante<\/a><\/span><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e6889af elementor-align-center elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-button\" data-id=\"e6889af\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/fr\/droit-immobilier\/fin-de-la-copropriete\/\" rel=\"nofollow\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">En savoir plus<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d54fdcc e-con-full e-flex e-con e-child\" data-id=\"d54fdcc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-9337814 e-con-full e-flex e-con e-child\" data-id=\"9337814\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-ab7837d e-con-full e-flex e-con e-child\" data-id=\"ab7837d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-250ede3 elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"250ede3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><a href=\"\/fr\/droit-des-affaires\/creation-dune-societe\/\" tabindex=\"-1\"><img loading=\"lazy\" decoding=\"async\" width=\"295\" height=\"295\" src=\"https:\/\/cclawyersalicante.com\/wp-content\/uploads\/2024\/12\/Balance.png\" class=\"attachment-full size-full wp-image-35227\" alt=\"\" srcset=\"https:\/\/cclawyersalicante.com\/wp-content\/uploads\/2024\/12\/Balance.png 295w, https:\/\/cclawyersalicante.com\/wp-content\/uploads\/2024\/12\/Balance-150x150.png 150w\" sizes=\"(max-width: 295px) 100vw, 295px\" \/><\/a><\/figure><div class=\"elementor-image-box-content\"><span class=\"elementor-image-box-title\"><a href=\"\/fr\/droit-des-affaires\/creation-dune-societe\/\">Cr\u00e9ation d'entreprise Alicante<\/a><\/span><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a728fc5 elementor-align-center elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-button\" data-id=\"a728fc5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/fr\/droit-des-affaires\/creation-dune-societe\/\" rel=\"nofollow\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">En savoir plus<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a0f54e4 e-con-full e-flex e-con e-child\" data-id=\"a0f54e4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ff3413f elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"ff3413f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><a href=\"\/fr\/droit-civil\/successions-et-testaments\/\" tabindex=\"-1\"><img loading=\"lazy\" decoding=\"async\" width=\"295\" height=\"295\" src=\"https:\/\/cclawyersalicante.com\/wp-content\/uploads\/2024\/12\/Courthouse-1.png\" class=\"attachment-full size-full wp-image-35229\" alt=\"\" srcset=\"https:\/\/cclawyersalicante.com\/wp-content\/uploads\/2024\/12\/Courthouse-1.png 295w, https:\/\/cclawyersalicante.com\/wp-content\/uploads\/2024\/12\/Courthouse-1-150x150.png 150w\" sizes=\"(max-width: 295px) 100vw, 295px\" \/><\/a><\/figure><div class=\"elementor-image-box-content\"><span class=\"elementor-image-box-title\"><a href=\"\/fr\/droit-civil\/successions-et-testaments\/\">H\u00e9ritages<\/a><\/span><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aedee5e elementor-align-center elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-button\" data-id=\"aedee5e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/fr\/droit-civil\/successions-et-testaments\/\" rel=\"nofollow\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">En savoir plus<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-90716ec e-con-full e-flex e-con e-child\" data-id=\"90716ec\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6ed73db elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"6ed73db\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><a href=\"\/fr\/droit-immobilier\/expulsion-locative\/\" tabindex=\"-1\"><img loading=\"lazy\" decoding=\"async\" width=\"295\" height=\"295\" src=\"https:\/\/cclawyersalicante.com\/wp-content\/uploads\/2024\/12\/Criminal-Database.png\" class=\"attachment-full size-full wp-image-35231\" alt=\"\" srcset=\"https:\/\/cclawyersalicante.com\/wp-content\/uploads\/2024\/12\/Criminal-Database.png 295w, https:\/\/cclawyersalicante.com\/wp-content\/uploads\/2024\/12\/Criminal-Database-150x150.png 150w\" sizes=\"(max-width: 295px) 100vw, 295px\" \/><\/a><\/figure><div class=\"elementor-image-box-content\"><span class=\"elementor-image-box-title\"><a href=\"\/fr\/droit-immobilier\/expulsion-locative\/\">Expulsions <\/a><\/span><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e44c9a3 elementor-align-center elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-button\" data-id=\"e44c9a3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/fr\/droit-immobilier\/expulsion-locative\/\" rel=\"nofollow\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">En savoir plus<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>R\u00c9CLAMER L\u2019IRPH (Indice de R\u00e9f\u00e9rence des Pr\u00eats Hypoth\u00e9caires) Succ\u00e8s de 100%. Les r\u00e9clamations relatives aux pr\u00eats bancaires bas\u00e9s sur l\u2019indice IRPH ont eu un grave contretemps lorsque la Cour de Cassation s\u2019est prononc\u00e9e en faveur des Banques sur l\u2019IRPH le 22 novembre 2017. Cela dit, nous sommes \u00e0 l\u2019attente d\u2019un jugement de la Cour de [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":37510,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_ayudawp_aiss_exclude":false,"_ayudawp_aiss_exclude_summary":false,"footnotes":""},"class_list":["post-35977","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/cclawyersalicante.com\/fr\/wp-json\/wp\/v2\/pages\/35977","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cclawyersalicante.com\/fr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/cclawyersalicante.com\/fr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/cclawyersalicante.com\/fr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/cclawyersalicante.com\/fr\/wp-json\/wp\/v2\/comments?post=35977"}],"version-history":[{"count":0,"href":"https:\/\/cclawyersalicante.com\/fr\/wp-json\/wp\/v2\/pages\/35977\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/cclawyersalicante.com\/fr\/wp-json\/wp\/v2\/pages\/37510"}],"wp:attachment":[{"href":"https:\/\/cclawyersalicante.com\/fr\/wp-json\/wp\/v2\/media?parent=35977"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}