{"id":7463,"date":"2021-06-05T10:57:16","date_gmt":"2021-06-05T09:57:16","guid":{"rendered":"https:\/\/swisnot.trisdemo.ch\/?post_type=actualites&#038;p=7463"},"modified":"2021-11-22T14:44:44","modified_gmt":"2021-11-22T13:44:44","slug":"plus-de-pret-plus-de-cedule-hypothecaire","status":"publish","type":"actualites","link":"https:\/\/www.swisnot.ch\/de\/actualites\/plus-de-pret-plus-de-cedule-hypothecaire\/","title":{"rendered":"Plus de pr\u00eat, plus de c\u00e9dule hypoth\u00e9caire?"},"content":{"rendered":"<div id='av_section_1'  class='avia-section av-fumusn-3fbb40b5dd0069879b35221103786653 main_color avia-section-default avia-no-border-styling  avia-builder-el-0  el_before_av_section  avia-builder-el-first  avia-bg-style-scroll container_wrap fullsize'  ><div class='container av-section-cont-open' ><main  role=\"main\" itemprop=\"mainContentOfPage\"  class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-7463'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-kpjkzgac-28149c6470c0b352bfb78e21e8aaebe7\">\n#top .av-special-heading.av-kpjkzgac-28149c6470c0b352bfb78e21e8aaebe7{\npadding-bottom:10px;\nfont-size:36px;\n}\nbody .av-special-heading.av-kpjkzgac-28149c6470c0b352bfb78e21e8aaebe7 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-kpjkzgac-28149c6470c0b352bfb78e21e8aaebe7 .av-special-heading-tag{\nfont-size:36px;\n}\n.av-special-heading.av-kpjkzgac-28149c6470c0b352bfb78e21e8aaebe7 .av-subheading{\nfont-size:15px;\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top #wrap_all .av-special-heading.av-kpjkzgac-28149c6470c0b352bfb78e21e8aaebe7 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n\n@media only screen and (max-width: 479px){ \n#top #wrap_all .av-special-heading.av-kpjkzgac-28149c6470c0b352bfb78e21e8aaebe7 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-kpjkzgac-28149c6470c0b352bfb78e21e8aaebe7 av-special-heading-h1 blockquote modern-quote  avia-builder-el-1  el_before_av_two_third  avia-builder-el-first  av-inherit-size av-linked-heading'><h1 class='av-special-heading-tag '  itemprop=\"headline\"  >Plus de pr\u00eat, plus de c\u00e9dule hypoth\u00e9caire?<\/h1><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-dxncxj-1c126f731d025bb30572b2fb440707f2\">\n.flex_column.av-dxncxj-1c126f731d025bb30572b2fb440707f2{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-dxncxj-1c126f731d025bb30572b2fb440707f2 av_two_third  avia-builder-el-2  el_after_av_heading  el_before_av_one_fourth  first flex_column_div av-zero-column-padding  '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-kpjkzqen-81fd9d8d625fda6e869d19439f83bd75\">\n#top .av-special-heading.av-kpjkzqen-81fd9d8d625fda6e869d19439f83bd75{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-kpjkzqen-81fd9d8d625fda6e869d19439f83bd75 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-kpjkzqen-81fd9d8d625fda6e869d19439f83bd75 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-kpjkzqen-81fd9d8d625fda6e869d19439f83bd75 av-special-heading-h2 blockquote modern-quote  avia-builder-el-3  el_before_av_textblock  avia-builder-el-first  av-linked-heading'><h2 class='av-special-heading-tag '  itemprop=\"headline\"  >Eh bien non, contrairement \u00e0 ce que croient parfois certains propri\u00e9taires, le fait d\u2019avoir rembours\u00e9 sa dette ne fait pas dispara\u00eetre, pour autant, la c\u00e9dule hypoth\u00e9caire.<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-kpjl0hpq-5637a43f7c3ac64f8b48d82856802618 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p style=\"text-align: justify;\">Au commencement, il \u00e9tait un pr\u00eat, accord\u00e9 par un pr\u00eateur \u00e0 un d\u00e9biteur, et le d\u00e9biteur a fourni, comme garantie, une c\u00e9dule hypoth\u00e9caire li\u00e9e \u00e0 un bien immobilier qui, comme on dit, est \u00abdonn\u00e9 en gage\u00bb. Celle-ci \u00e9tait certes cr\u00e9\u00e9e \u00e0 ce moment-l\u00e0 pr\u00e9cis\u00e9ment pour garantir le remboursement du pr\u00eat, mais, elle existait en r\u00e9alit\u00e9 tout \u00e0 fait ind\u00e9pendamment du pr\u00eat. Cela signifie que, une fois le pr\u00eat rembours\u00e9, la c\u00e9dule hypoth\u00e9caire subsiste. Elle garde toute sa valeur et doit \u00eatre restitu\u00e9e au propri\u00e9taire. Celui-ci va, d\u00e8s lors, d\u00e9tenir ce titre pour lui-m\u00eame, en dehors et sans m\u00eame un pr\u00eat \u00e0 garantir.<\/p>\n<p style=\"text-align: justify;\">Le m\u00e9canisme de la garantie que fournit la c\u00e9dule hypoth\u00e9caire fonctionne de la mani\u00e8re suivante. Si, par malheur, un d\u00e9biteur ne peut plus rembourser ce qu\u2019il doit, son pr\u00eateur (qui est g\u00e9n\u00e9ralement une banque ou une assurance) peut alors, gr\u00e2ce \u00e0 la c\u00e9dule, demander \u00e0 \u00eatre rembours\u00e9 en priorit\u00e9, dans le cadre de la vente du bien immobilier donn\u00e9 en garantie. L\u2019avantage de cette existence ind\u00e9pendante de la c\u00e9dule hypoth\u00e9caire, qui vit en quelque sorte sa propre vie en dehors de tout pr\u00eat, c\u2019est que l\u2019instrument de cr\u00e9dit qu\u2019elle repr\u00e9sente pourra de nouveau \u00eatre utilis\u00e9 ult\u00e9rieurement par le propri\u00e9taire immobilier pour garantir un nouveau pr\u00eat, par exemple s\u2019il d\u00e9cide de r\u00e9nover sa cuisine et ses installations sanitaires, s\u2019il veut agrandir sa villa en construisant un jardin d\u2019hiver ou r\u00e9nover les fa\u00e7ades. Ainsi, il ne devra pas supporter, une nouvelle fois, les frais li\u00e9s \u00e0 la cr\u00e9ation d\u2019une c\u00e9dule hypoth\u00e9caire. Il faut pr\u00e9ciser que les frais de constitution de cette garantie sont loin d\u2019\u00eatre n\u00e9gligeables \u2014 d\u2019o\u00f9 l\u2019avantage de pouvoir r\u00e9utiliser la c\u00e9dule hypoth\u00e9caire. L\u2019inconv\u00e9nient de ce syst\u00e8me, c\u2019est que des propri\u00e9taires, croyant que le remboursement int\u00e9gral d\u2019un pr\u00eat entra\u00eene n\u00e9cessairement l\u2019extinction de la c\u00e9dule, ne gardent pas le titre re\u00e7u en retour ou ne savent plus ce qu\u2019ils en ont fait, voire ne prennent pas les pr\u00e9cautions n\u00e9cessaires pour que la c\u00e9dule ne soit ni vol\u00e9e, ni \u00e9gar\u00e9e, ni d\u00e9truite. Or, cela peut provoquer des graves difficult\u00e9s et bien des d\u00e9sagr\u00e9ments pour le propri\u00e9taire mal inform\u00e9 ou \u00e9tourdi, par exemple en cas de vente ult\u00e9rieure de l\u2019immeuble. En effet, pour annuler une c\u00e9dule hypoth\u00e9caire \u00e9gar\u00e9e et introuvable, la seule solution est une proc\u00e9dure judiciaire, longue et co\u00fbteuse.<\/p>\n<p style=\"text-align: justify;\">Fort heureusement, depuis 2012, les c\u00e9dules hypoth\u00e9caires, qui \u00e9taient jusqu\u2019alors des \u00abpapiers-valeurs\u00bb, peuvent \u00eatre transform\u00e9es en c\u00e9dules \u00abde registre\u00bb. Ce qui veut dire que le document papier est remplac\u00e9 par une inscription \u00e9lectronique au Registre foncier. En pareil cas, il n\u2019y a donc plus de document \u00e0 soigneusement conserver, de mani\u00e8re s\u00e9curis\u00e9e. Dans ces circonstances, plus de risque de vol, ni de perte ni de destruction. Peut-\u00eatre serait-il sage d\u00e9sormais, \u00e0 r\u00e9ception d\u2019une c\u00e9dule hypoth\u00e9caire sur papier, restitu\u00e9e par un pr\u00eateur rembours\u00e9, d\u2019imm\u00e9diatement la transformer \u2014 \u00e0 moindres frais \u2014 en une c\u00e9dule \u00abde registre\u00bb.<\/p>\n<\/div><\/section><\/p><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-ctaljr-ab53706cb19910a34d36207c42f251f5\">\n.flex_column.av-ctaljr-ab53706cb19910a34d36207c42f251f5{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-ctaljr-ab53706cb19910a34d36207c42f251f5 av_one_fourth  avia-builder-el-5  el_after_av_two_third  avia-builder-el-last  flex_column_div av-zero-column-padding  '     ><p><section  class='avia-team-member trs-notaire-author   avia-builder-el-6  el_before_av_heading  avia-builder-el-first '  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/Person\" ><div class='team-img-container'><a href=\"https:\/\/www.swisnot.ch\/de\/notaire\/del-pero-franco\/\"><img decoding=\"async\" width=\"206\" height=\"268\" fetchpriority=\"high\" class='wp-image-3933 avia-img-lazy-loading-not-3933 avia_image avia_image_team' src=\"https:\/\/www.swisnot.ch\/wp\/wp-content\/uploads\/2021\/05\/delpero_franco.jpg\" alt='del Pero Franco'  itemprop=\"image\"  \/><\/a><div class='team-social'><div class='team-social-inner'><span class='hidden av_member_url_markup '  itemprop=\"url\" >https:\/\/www.swisnot.ch\/de\/notaire\/del-pero-franco\/<\/span><a rel='v:url' data-avia-tooltip=\"Page d\u00e9di\u00e9e\" target='_blank' class=' avia-team-icon ' href='https:\/\/www.swisnot.ch\/de\/notaire\/del-pero-franco\/' aria-hidden='true' data-av_icon='\ue80a' data-av_iconfont='entypo-fontello'><\/a><\/div><\/div><\/div><h3 class='team-member-name'    itemprop=\"name\" >del Pero Franco<\/h3><div class='team-member-job-title '   itemprop=\"jobTitle\" >Notaire honoraire<\/div><span class='hidden team-member-affiliation'  itemprop=\"affiliation\" >swisNot - Le r\u00e9seau notarial suisse<\/span><\/section><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-kpjl0owv-9058dde92060f64d559474e270793a8f\">\n#top .av-special-heading.av-kpjl0owv-9058dde92060f64d559474e270793a8f{\npadding-bottom:0;\ncolor:#98012e;\n}\nbody .av-special-heading.av-kpjl0owv-9058dde92060f64d559474e270793a8f .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-kpjl0owv-9058dde92060f64d559474e270793a8f .special-heading-inner-border{\nborder-color:#98012e;\n}\n.av-special-heading.av-kpjl0owv-9058dde92060f64d559474e270793a8f .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-kpjl0owv-9058dde92060f64d559474e270793a8f av-special-heading-h3 custom-color-heading blockquote modern-quote  avia-builder-el-7  el_after_trs_notaire_author  el_before_av_iconlist  av-linked-heading'><h3 class='av-special-heading-tag '  itemprop=\"headline\"  >CE QU\u2019IL FAUT RETENIR<\/h3><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-kpjl1dir-2d5c5e854692eff2bd0c32d32d66f5d2\">\n#top .avia-icon-list-container.av-kpjl1dir-2d5c5e854692eff2bd0c32d32d66f5d2 .iconlist_icon{\ncolor:#b02b2c;\nfont-size:16px;\n}\n#top .avia-icon-list-container.av-kpjl1dir-2d5c5e854692eff2bd0c32d32d66f5d2 .iconlist_icon svg:first-child{\nstroke:#b02b2c;\nfill:#b02b2c;\nheight:16px;\nwidth:16px;\n}\n#top #wrap_all .avia-icon-list-container.av-kpjl1dir-2d5c5e854692eff2bd0c32d32d66f5d2 .av_iconlist_title{\nfont-size:16px;\n}\n<\/style>\n<div  class='avia-icon-list-container av-kpjl1dir-2d5c5e854692eff2bd0c32d32d66f5d2  avia-builder-el-8  el_after_av_heading  el_before_av_button '><ul class='avia-icon-list avia_animate_when_almost_visible avia-icon-list-left av-iconlist-small av-kpjl1dir-2d5c5e854692eff2bd0c32d32d66f5d2 avia-iconlist-animate'>\n<li><div class='iconlist_icon av-kpjl0yga-682150f9c9e4e3caa3b5b68988ef68a3 avia-font-entypo-fontello avia-iconfont avia-font-entypo-fontello'><span class='av-icon-char' data-av_icon='\ue812' data-av_iconfont='entypo-fontello' aria-hidden=\"true\"><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\" aria-label=\"Icon: \"><\/header><div class='iconlist_content '  itemprop=\"text\" ><p style=\"text-align: justify;\">Le remboursement d\u2019un pr\u00eat ne fait pas dispara\u00eetre la c\u00e9dule hypoth\u00e9caire fournie en garantie.<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<li><div class='iconlist_icon av-kpjl15z8-a853e80bff7b3b25bc7e5006b6b60675 avia-font-entypo-fontello avia-iconfont avia-font-entypo-fontello'><span class='av-icon-char' data-av_icon='\ue812' data-av_iconfont='entypo-fontello' aria-hidden=\"true\"><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\" aria-label=\"Icon: \"><\/header><div class='iconlist_content '  itemprop=\"text\" ><p style=\"text-align: justify;\">Le remboursement d\u2019un pr\u00eat ne fait pas dispara\u00eetre la c\u00e9dule hypoth\u00e9caire fournie en garantie.<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<li><div class='iconlist_icon av-kpjl1cte-9d0a7ea154f97024a33a3186dc35b05a avia-font-entypo-fontello avia-iconfont avia-font-entypo-fontello'><span class='av-icon-char' data-av_icon='\ue812' data-av_iconfont='entypo-fontello' aria-hidden=\"true\"><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\" aria-label=\"Icon: \"><\/header><div class='iconlist_content '  itemprop=\"text\" ><p>Il est judicieux de transformer une c\u00e9dule sur papier en une c\u00e9dule \u00abde registre\u00bb.<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<\/ul><\/div><br \/>\n<div  class='avia-button-wrap av-9ekimf-a4e7a74fed4521cbd4f412c742295556-wrap avia-button-center  avia-builder-el-9  el_after_av_iconlist  el_before_av_heading  trs-pdf-button'><a href='https:\/\/www.swisnot.ch\/wp\/wp-content\/uploads\/2021\/06\/Plus_de_pr\u00eat_plus_de_c\u00e9dule_hypoth\u00e9caire.pdf'  class='avia-button av-9ekimf-a4e7a74fed4521cbd4f412c742295556 av-link-btn avia-icon_select-yes-left-icon avia-size-medium avia-position-center avia-color-theme-color'  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av-masonry-entries ' data-post_id=\"7463\"><div class=\"av-masonry-container isotope av-js-disabled\"><div class='av-masonry-entry isotope-item av-masonry-item-no-image all_sort'><\/div><a href=\"https:\/\/www.swisnot.ch\/de\/actualites\/revision-du-droit-des-successions\/\"  id='av-masonry-1-item-7888' data-av-masonry-item='7888' class='av-masonry-entry isotope-item post-7888 actualites type-actualites status-publish hentry all_sort av-masonry-item-no-image' title=\"R\u00e9vision du droit des successions\"   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='av-inner-masonry-sizer'><\/div><figure class='av-inner-masonry main_color'><figcaption class='av-inner-masonry-content site-background'><div class='av-inner-masonry-content-pos'><div class='av-inner-masonry-content-pos-content'><div class='avia-arrow'><\/div><h3 class='av-masonry-entry-title entry-title '  itemprop=\"headline\" >R\u00e9vision du droit des successions<\/h3><\/div><\/div><\/figcaption><\/figure><\/a><!--end av-masonry entry--><a href=\"https:\/\/www.swisnot.ch\/de\/actualites\/le-casse-tete-de-la-succession-dans-les-familles-recomposees\/\"  id='av-masonry-1-item-9834' data-av-masonry-item='9834' class='av-masonry-entry isotope-item post-9834 actualites type-actualites status-publish hentry all_sort av-masonry-item-no-image' title=\"Le casse-t\u00eate de la succession dans les familles recompos\u00e9es\"   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='av-inner-masonry-sizer'><\/div><figure class='av-inner-masonry main_color'><figcaption class='av-inner-masonry-content site-background'><div class='av-inner-masonry-content-pos'><div class='av-inner-masonry-content-pos-content'><div class='avia-arrow'><\/div><h3 class='av-masonry-entry-title entry-title '  itemprop=\"headline\" >Le casse-t\u00eate de la succession dans les familles recompos\u00e9es<\/h3><\/div><\/div><\/figcaption><\/figure><\/a><!--end av-masonry entry--><a href=\"https:\/\/www.swisnot.ch\/de\/actualites\/la-procuration-ne-suffit-pas-toujours\/\"  id='av-masonry-1-item-9826' data-av-masonry-item='9826' class='av-masonry-entry isotope-item post-9826 actualites type-actualites status-publish hentry all_sort av-masonry-item-no-image' title=\"La procuration ne suffit pas toujours\"   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='av-inner-masonry-sizer'><\/div><figure class='av-inner-masonry main_color'><figcaption class='av-inner-masonry-content site-background'><div class='av-inner-masonry-content-pos'><div class='av-inner-masonry-content-pos-content'><div class='avia-arrow'><\/div><h3 class='av-masonry-entry-title entry-title '  itemprop=\"headline\" >La procuration ne suffit pas toujours<\/h3><\/div><\/div><\/figcaption><\/figure><\/a><!--end av-masonry entry--><a href=\"https:\/\/www.swisnot.ch\/de\/actualites\/donations-un-geste-a-double-tranchant\/\"  id='av-masonry-1-item-9821' data-av-masonry-item='9821' class='av-masonry-entry isotope-item post-9821 actualites type-actualites status-publish hentry all_sort av-masonry-item-no-image' title=\"Donations, un geste \u00e0 double tranchant\"   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='av-inner-masonry-sizer'><\/div><figure class='av-inner-masonry main_color'><figcaption class='av-inner-masonry-content site-background'><div class='av-inner-masonry-content-pos'><div class='av-inner-masonry-content-pos-content'><div class='avia-arrow'><\/div><h3 class='av-masonry-entry-title entry-title '  itemprop=\"headline\" >Donations, un geste \u00e0 double tranchant<\/h3><\/div><\/div><\/figcaption><\/figure><\/a><!--end av-masonry entry--><a href=\"https:\/\/www.swisnot.ch\/de\/actualites\/et-si-vous-netiez-plus-en-mesure-de-decider\/\"  id='av-masonry-1-item-9804' data-av-masonry-item='9804' class='av-masonry-entry isotope-item post-9804 actualites type-actualites status-publish hentry all_sort av-masonry-item-no-image' title=\"Et si vous n\u2019\u00e9tiez plus en mesure de d\u00e9cider ?\"   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='av-inner-masonry-sizer'><\/div><figure class='av-inner-masonry main_color'><figcaption class='av-inner-masonry-content site-background'><div class='av-inner-masonry-content-pos'><div class='av-inner-masonry-content-pos-content'><div class='avia-arrow'><\/div><h3 class='av-masonry-entry-title entry-title '  itemprop=\"headline\" >Et si vous n\u2019\u00e9tiez plus en mesure de d\u00e9cider ?<\/h3><\/div><\/div><\/figcaption><\/figure><\/a><!--end av-masonry entry--><a href=\"https:\/\/www.swisnot.ch\/de\/actualites\/preter-de-largent-a-ses-enfants\/\"  id='av-masonry-1-item-9777' data-av-masonry-item='9777' class='av-masonry-entry isotope-item post-9777 actualites type-actualites status-publish hentry all_sort av-masonry-item-no-image' title=\"Pr\u00eater de l\u2019argent \u00e0 ses enfants ?\"   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='av-inner-masonry-sizer'><\/div><figure class='av-inner-masonry main_color'><figcaption class='av-inner-masonry-content site-background'><div class='av-inner-masonry-content-pos'><div class='av-inner-masonry-content-pos-content'><div class='avia-arrow'><\/div><h3 class='av-masonry-entry-title entry-title '  itemprop=\"headline\" >Pr\u00eater de l\u2019argent \u00e0 ses enfants ?<\/h3><\/div><\/div><\/figcaption><\/figure><\/a><!--end av-masonry entry--><\/div><a class='av-masonry-pagination av-masonry-load-more' href='#load-more'  data-post_type='actualites'  data-link='category, 15'  data-term_rel='IN'  data-wc_prod_visible=''  data-wc_prod_hidden='hide'  data-wc_prod_featured=''  data-wc_prod_sale=''  data-prod_order_by=''  data-prod_order=''  data-date_filter=''  data-date_filter_start=''  data-date_filter_end=''  data-date_filter_format='yy\/mm\/dd'  data-period_filter_unit_1=''  data-period_filter_unit_2=''  data-page_element_filter=''  data-sort='yes'  data-query_orderby='date'  data-query_order='DESC'  data-caption_elements='title'  data-caption_styling=''  data-caption_display='always'  data-img_copyright=''  data-size='fixed masonry'  data-orientation=''  data-image_size='masonry'  data-gap='large'  data-columns='flexible'  data-av-desktop-columns=''  data-av-medium-columns=''  data-av-small-columns=''  data-av-mini-columns=''  data-items='6'  data-paginate='load_more'  data-color=''  data-custom_bg=''  data-img_copyright_font=''  data-av-desktop-font-img_copyright_font=''  data-av-medium-font-img_copyright_font=''  data-av-small-font-img_copyright_font=''  data-av-mini-font-img_copyright_font=''  data-img_copyright_color=''  data-img_copyright_bg=''  data-animation='active'  data-animation_duration=''  data-animation_custom_bg_color=''  data-animation_custom_bg_color_multi_list=''  data-animation_z_index_curtain='100'  data-overlay_fx='active'  data-img_scrset=''  data-lazy_loading='disabled'  data-av-desktop-hide=''  data-av-medium-hide=''  data-av-small-hide=''  data-av-mini-hide=''  data-alb_description=''  data-id=''  data-custom_class=''  data-template_class=''  data-av_uid='av-2har2f'  data-sc_version='1.0'  data-ids=''  data-action=''  data-offset='0'  data-container_links='active'  data-link_dest=''  data-lightbox_text=''  data-container_class='av-masonry-entries'  data-auto_ratio='1.7'  data-set_breadcrumb='1'  data-custom_markup=''  data-taxonomy='category'  data-categories=''  data-avno='1fbdc58097'>Mehr laden<\/a><\/div>\n<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Eh bien non, contrairement \u00e0 ce que croient parfois certains propri\u00e9taires, le fait d\u2019avoir rembours\u00e9 sa dette ne fait pas dispara\u00eetre, pour autant, la c\u00e9dule hypoth\u00e9caire.<\/p>\n","protected":false},"menu_order":0,"template":"","meta":{"_acf_changed":false,"footnotes":""},"categories":[15],"class_list":["post-7463","actualites","type-actualites","status-publish","hentry","category-news"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Plus de pr\u00eat, plus de c\u00e9dule hypoth\u00e9caire? - swisNot - Le r\u00e9seau notarial suisse<\/title>\n<meta name=\"description\" content=\"swisNot, le r\u00e9seau notarial suisse, votre partenaire en mati\u00e8re juridique et fiscale\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.swisnot.ch\/de\/actualites\/plus-de-pret-plus-de-cedule-hypothecaire\/\" \/>\n<meta property=\"og:locale\" content=\"de_DE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta 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