{"id":9804,"date":"2019-04-26T00:00:00","date_gmt":"2019-04-26T00:00:00","guid":{"rendered":"https:\/\/abeille-preprod.eliott-markus.cloud\/caractere-disproportionne-cautionnement\/"},"modified":"2019-04-26T00:00:00","modified_gmt":"2019-04-26T00:00:00","slug":"caractere-disproportionne-cautionnement","status":"publish","type":"post","link":"https:\/\/abeille.law\/en\/caractere-disproportionne-cautionnement\/","title":{"rendered":"Comment appr\u00e9cier le caract\u00e8re disproportionn\u00e9 d\u2019un cautionnement ?"},"content":{"rendered":"<blockquote><p>Le <strong>caract\u00e8re disproportionn\u00e9 d\u2019un cautionnement<\/strong> doit s\u2019appr\u00e9cier au regard de l\u2019engagement souscrit par la personne qui s\u2019est port\u00e9e caution et non au regard du montant du pr\u00eat garanti par ce cautionnement.<\/p><\/blockquote>\n<p>C\u2019est la loi\u00a0: un cr\u00e9ancier professionnel, notamment une banque, ne peut pas se pr\u00e9valoir d\u2019un cautionnement souscrit par une personne physique (par exemple, un dirigeant pour garantir un pr\u00eat contract\u00e9 par sa soci\u00e9t\u00e9) dont l\u2019engagement \u00e9tait, lorsqu\u2019il a \u00e9t\u00e9 pris, manifestement disproportionn\u00e9 \u00e0 ses biens et \u00e0 ses revenus. Sauf si le patrimoine de cette personne (le dirigeant) lui permet, au moment o\u00f9 la banque lui demande de payer en lieu et place du d\u00e9biteur (la soci\u00e9t\u00e9), de faire face \u00e0 son obligation.<\/p>\n<p>\u00c0 ce titre, les juges ont pr\u00e9cis\u00e9 que le caract\u00e8re disproportionn\u00e9 d\u2019un cautionnement doit s\u2019appr\u00e9cier au regard de l\u2019engagement souscrit par la personne qui s\u2019est port\u00e9e caution et non au regard du montant du pr\u00eat garanti par ce cautionnement.<\/p>\n<p>Autrement dit, <a title=\"N'h\u00e9sitez pas \u00e0 contacter le cabinet Abeille &#038; Associ\u00e9s\" href=\"fr\/contact\">pour \u00e9valuer la disproportion<\/a>, il faut comparer le patrimoine et les revenus de la personne qui s\u2019est port\u00e9e caution avec le montant pour lequel elle s\u2019est port\u00e9e caution, mais pas avec le montant du capital emprunt\u00e9 par le souscripteur du pr\u00eat (la soci\u00e9t\u00e9). Car un cautionnement peut tr\u00e8s bien \u00eatre limit\u00e9 \u00e0 un montant inf\u00e9rieur \u00e0 celui du pr\u00eat.<\/p>\n<blockquote><p>Pour plus d&#8217;informations, vous pouvez consulter l&#8217;arr\u00eat de la Cour de\u00a0<a class=\"target-blank\" title=\"Legifrance | Arr\u00eat Cour de Cassation commerciale\" href=\"https:\/\/www.legifrance.gouv.fr\/affichJuriJudi.do?oldAction=rechJuriJudi&#038;idTexte=JURITEXT000038238708&#038;fastReqId=721050492&#038;fastPos=1\" target=\"_blank\" rel=\"noopener\">Cassation commerciale, 6 mars 2019, n\u00b0 17-27063<\/a><\/p><\/blockquote>\n<p>Article publi\u00e9 le\u00a0<time>26 avril 2019<\/time>\u00a0&#8211;\u00a0\u00a9\u00a0\u00a0Les Echos Publishing\u00a0&#8211;\u00a02019<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Le caract\u00e8re disproportionn\u00e9 d\u2019un cautionnement doit s\u2019appr\u00e9cier au regard de l\u2019engagement souscrit par la personne qui s\u2019est port\u00e9e caution et non au regard du montant du pr\u00eat garanti par ce cautionnement. C\u2019est la loi\u00a0: un cr\u00e9ancier professionnel, notamment une banque, ne peut pas se pr\u00e9valoir d\u2019un cautionnement souscrit par une personne physique (par exemple, un [&hellip;]<\/p>\n","protected":false},"author":10,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[190],"tags":[],"class_list":["post-9804","post","type-post","status-publish","format-standard","hentry","category-juridiques"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Comment appr\u00e9cier le caract\u00e8re disproportionn\u00e9 d\u2019un cautionnement ? | Abeille Avocats<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/abeille.law\/caractere-disproportionne-cautionnement\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Comment appr\u00e9cier le caract\u00e8re disproportionn\u00e9 d\u2019un cautionnement ? | Abeille Avocats\" \/>\n<meta property=\"og:description\" content=\"Le caract\u00e8re disproportionn\u00e9 d\u2019un cautionnement doit s\u2019appr\u00e9cier au regard de l\u2019engagement souscrit par la personne qui s\u2019est port\u00e9e caution et non au regard du montant du pr\u00eat garanti par ce cautionnement. 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