{"id":8865,"date":"2022-10-04T15:31:59","date_gmt":"2022-10-04T14:31:59","guid":{"rendered":"https:\/\/www.swisnot.ch\/?post_type=actualites&#038;p=8865"},"modified":"2022-11-22T09:16:03","modified_gmt":"2022-11-22T08:16:03","slug":"qui-cautionne-paie","status":"publish","type":"actualites","link":"https:\/\/www.swisnot.ch\/en\/actualites\/qui-cautionne-paie\/","title":{"rendered":"Qui cautionne paie !"},"content":{"rendered":"<div id='av_section_1'  class='avia-section av-cl0pbl-f97527568340ad577d704c1957fa07bd 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-8865'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-l8uaiwcg-a967b94e187e9eacaf4f97f440e19280\">\n#top .av-special-heading.av-l8uaiwcg-a967b94e187e9eacaf4f97f440e19280{\npadding-bottom:10px;\nfont-size:36px;\n}\nbody .av-special-heading.av-l8uaiwcg-a967b94e187e9eacaf4f97f440e19280 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-l8uaiwcg-a967b94e187e9eacaf4f97f440e19280 .av-special-heading-tag{\nfont-size:36px;\n}\n.av-special-heading.av-l8uaiwcg-a967b94e187e9eacaf4f97f440e19280 .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-l8uaiwcg-a967b94e187e9eacaf4f97f440e19280 .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-l8uaiwcg-a967b94e187e9eacaf4f97f440e19280 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-l8uaiwcg-a967b94e187e9eacaf4f97f440e19280 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\"  >Qui cautionne paie !<\/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-ar237l-c395665d533a9cedf8b44015e23eb19c\">\n.flex_column.av-ar237l-c395665d533a9cedf8b44015e23eb19c{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-ar237l-c395665d533a9cedf8b44015e23eb19c 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-l8ual4ce-64c4e87448e9fde364e0d62660eaacca\">\n#top .av-special-heading.av-l8ual4ce-64c4e87448e9fde364e0d62660eaacca{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-l8ual4ce-64c4e87448e9fde364e0d62660eaacca .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-l8ual4ce-64c4e87448e9fde364e0d62660eaacca .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-l8ual4ce-64c4e87448e9fde364e0d62660eaacca 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\"  >Alexandre va ouvrir un commerce. Une banque accepte de lui accorder un cr\u00e9dit de 50 000 francs \u00e0 la condition que quelqu\u2019un le cautionne. Fr\u00e9d\u00e9ric serait pr\u00eat \u00e0 accepter, par amiti\u00e9. Mais \u00e0 quoi s\u2019engagerait-il ?<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-l8uaksyl-1148cd2c03e56a8501658efb473fb620 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p>Le cautionnement est un contrat par lequel une personne, appel\u00e9e \u00ab caution \u00bb, s\u2019engage envers le cr\u00e9ancier \u00e0 garantir le paiement de la dette contract\u00e9e par le d\u00e9biteur. Dans le cas expos\u00e9, Fr\u00e9d\u00e9ric garantirait envers la banque le paiement de la dette de 50 000 francs contract\u00e9e par Alexandre. En d\u2019autres termes, si Alexandre ne rembourse pas la banque, Fr\u00e9d\u00e9ric devra le faire.<\/p>\n<p>Pour attirer l\u2019attention de la caution sur la port\u00e9e de son engagement et la prot\u00e9ger contre des engagements trop h\u00e2tifs, la loi subordonne la validit\u00e9 du cautionnement au respect d\u2019une forme sp\u00e9ciale. Le cautionnement d\u2019une personne doit \u00eatre pass\u00e9 en la forme \u00e9crite qualifi\u00e9e si le montant est inf\u00e9rieur \u00e0 2000 fr. : la caution doit \u00e9crire de sa main le montant maximum de son engagement et, si elle l\u2019accepte, sa qualit\u00e9 de caution solidaire. Si la somme est sup\u00e9rieure, un acte authentique est n\u00e9cessaire, devant un notaire. Seule la d\u00e9claration de la caution est soumise \u00e0 l\u2019exigence de forme, car elle seule s\u2019engage. La signature du cr\u00e9ancier n\u2019est pas n\u00e9cessaire. Fr\u00e9d\u00e9ric devra donc se rendre chez un notaire pour signer le document pr\u00e9par\u00e9 par la banque. Il n\u2019y rencontrera cependant aucun repr\u00e9sentant de celle-ci.<\/p>\n<p>Une personne mari\u00e9e ou un partenaire enregistr\u00e9 ne peut cautionner qu\u2019avec le consentement \u00e9crit de son \u00e9poux ou de son partenaire, donn\u00e9 pr\u00e9alablement ou simultan\u00e9ment. Le consentement n\u2019est toutefois pas n\u00e9cessaire lorsque les \u00e9poux sont s\u00e9par\u00e9s de corps par jugement. Fr\u00e9d\u00e9ric devra donc expliquer \u00e0 sa femme l\u2019engagement qu\u2019il veut prendre et lui demander son accord. Si elle n\u2019y voit pas d\u2019objection, elle l\u2019accompagnera chez le notaire, pour exprimer son consentement en signant l\u2019acte de cautionnement ou \u00e9tablira un document \u00e9crit \u00e0 l\u2019attention de l\u2019officier public.<\/p>\n<p>Il y a deux formes tr\u00e8s r\u00e9pandues de cautionne- ment, le cautionnement simple et le cautionnement solidaire. Si le cautionnement est simple, la banque ne<\/p>\n<p>pourra exiger de Fr\u00e9d\u00e9ric le paiement que si elle prouve qu\u2019elle a d\u2019abord poursuivi Alexandre sans succ\u00e8s. En revanche, en cas de cautionnement solidaire, la banque est favoris\u00e9e, car elle aura le droit de s\u2019adresser directement \u00e0 Fr\u00e9d\u00e9ric. Compte tenu de l\u2019importance de la diff\u00e9rence, Fr\u00e9d\u00e9ric v\u00e9rifiera attentivement si l\u2019acte de cautionnement pr\u00e9voit qu\u2019il s\u2019engage comme caution solidaire avec Alexandre. Faute d\u2019indication expresse, il s\u2019agit d\u2019un cautionnement simple.<\/p>\n<p><strong>Un droit de recours<\/strong><\/p>\n<p>La caution r\u00e9pond du montant de la dette jusqu\u2019\u00e0 concurrence du maximum indiqu\u00e9 dans l\u2019acte de cautionnement. Dans cette limite, elle est tenue de la dette et des autres frais relatifs \u00e0 celle-ci (int\u00e9r\u00eats arri\u00e9r\u00e9s, frais de poursuite et de proc\u00e8s, etc.).<\/p>\n<p>Si Fr\u00e9d\u00e9ric doit payer la dette \u00e0 la banque, car Alexandre ne s\u2019est pas ex\u00e9cut\u00e9, la loi lui accorde un droit de recours, c\u2019est-\u00e0-dire qu\u2019il pourra en demander le remboursement \u00e0 ce dernier. Encore faudra-t-il qu\u2019Alexandre soit solvable.<\/p>\n<p>En conclusion, il faut rappeler \u00e0 celui qui est pr\u00eat \u00e0 se porter caution l\u2019adage \u00ab Qui cautionne paie ! \u00bb. Il ne faut accepter un tel engagement que si l\u2019on dispose des moyens n\u00e9cessaires pour payer la dette garantie, sans s\u2019exposer soi-m\u00eame ou sa famille \u00e0 des difficult\u00e9s financi\u00e8res.<\/p>\n<\/div><\/section><\/p><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-98sff5-c09c732d4a990a21384dabe6928fcdd8\">\n.flex_column.av-98sff5-c09c732d4a990a21384dabe6928fcdd8{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-98sff5-c09c732d4a990a21384dabe6928fcdd8 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\/en\/notaire\/piller-gregoire\/\"><img decoding=\"async\" width=\"187\" height=\"243\" fetchpriority=\"high\" class='wp-image-3038 avia-img-lazy-loading-not-3038 avia_image avia_image_team' src=\"https:\/\/www.swisnot.ch\/wp\/wp-content\/uploads\/2021\/05\/piller_gregoire.jpg\" alt='Piller Gr\u00e9goire'  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\/en\/notaire\/piller-gregoire\/<\/span><a rel='v:url' data-avia-tooltip=\"Page d\u00e9di\u00e9e\" target='_blank' class=' avia-team-icon ' href='https:\/\/www.swisnot.ch\/en\/notaire\/piller-gregoire\/' aria-hidden='true' data-av_icon='\ue80a' data-av_iconfont='entypo-fontello'><\/a><\/div><\/div><\/div><h3 class='team-member-name'    itemprop=\"name\" >Piller Gr\u00e9goire<\/h3><div class='team-member-job-title '   itemprop=\"jobTitle\" >Notaire et avocat chez <strong><a href=\"https:\/\/www.swisnot.ch\/en\/etudes_notaires\/piller-morel\/\" target=\"_blank\">Piller & Morel Fribourg<\/a><\/strong> (FR-EN)<\/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-l8uauhpg-403b57ad645c8bd67c792ed1a3ec1cea\">\n#top .av-special-heading.av-l8uauhpg-403b57ad645c8bd67c792ed1a3ec1cea{\npadding-bottom:0;\ncolor:#98012e;\n}\nbody .av-special-heading.av-l8uauhpg-403b57ad645c8bd67c792ed1a3ec1cea .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-l8uauhpg-403b57ad645c8bd67c792ed1a3ec1cea .special-heading-inner-border{\nborder-color:#98012e;\n}\n.av-special-heading.av-l8uauhpg-403b57ad645c8bd67c792ed1a3ec1cea .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-l8uauhpg-403b57ad645c8bd67c792ed1a3ec1cea 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-l8uapw9h-a763fe9af7c4270adda0beead23b4ec0\">\n#top .avia-icon-list-container.av-l8uapw9h-a763fe9af7c4270adda0beead23b4ec0 .iconlist_icon{\ncolor:#b02b2c;\nfont-size:16px;\n}\n#top .avia-icon-list-container.av-l8uapw9h-a763fe9af7c4270adda0beead23b4ec0 .iconlist_icon svg:first-child{\nstroke:#b02b2c;\nfill:#b02b2c;\nheight:16px;\nwidth:16px;\n}\n#top #wrap_all .avia-icon-list-container.av-l8uapw9h-a763fe9af7c4270adda0beead23b4ec0 .av_iconlist_title{\nfont-size:16px;\n}\n<\/style>\n<div  class='avia-icon-list-container av-l8uapw9h-a763fe9af7c4270adda0beead23b4ec0  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-l8uapw9h-a763fe9af7c4270adda0beead23b4ec0 avia-iconlist-animate'>\n<li><div class='iconlist_icon av-l8uanj17-c445b9a5cf2bc0bee3637b515f2cadf6 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;\">La caution s\u2019engage \u00e0 garantir envers le cr\u00e9ancier le paiement d\u2019une dette.<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<li><div class='iconlist_icon av-l8uanv89-fe2666892d7ba61351134c582dba4759 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 contrat est soumis \u00e0 la forme notari\u00e9e si le cautionnement d\u00e9passe la somme de 2000 francs.<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<li><div class='iconlist_icon av-l8uao51g-25adeb0e0572c14564eb3e06640da87e 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>Le consentement du conjoint ou du partenaire enregistr\u00e9 est requis.<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<li><div class='iconlist_icon av-l8uao51g-25adeb0e0572c14564eb3e06640da87e 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 ne faut pas accepter de cautionner si l\u2019on ne dispose pas de l\u2019argent n\u00e9cessaire \u00e0 d\u00e9sint\u00e9resser le cr\u00e9ancier.<\/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-l8uatjvb-49f90965fd7e66c1dfc5c7f0026a4e77-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\/2022\/10\/Qui_Cautionne_Paie.pdf'  class='avia-button av-l8uatjvb-49f90965fd7e66c1dfc5c7f0026a4e77 av-link-btn avia-icon_select-yes-left-icon avia-size-medium avia-position-center avia-color-theme-color'  target=\"_blank\"  rel=\"noopener noreferrer\"  aria-label=\" Article (PDF)\"><span class='avia_button_icon avia_button_icon_left avia-iconfont avia-font-entypo-fontello' data-av_icon='\ue84d' 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.heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-4ibt7l-c669f6fa1c88efbafbc1fe97075bd20a .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-4ibt7l-c669f6fa1c88efbafbc1fe97075bd20a av-special-heading-h3 blockquote modern-quote  avia-builder-el-12  el_before_av_masonry_entries  avia-builder-el-no-sibling  trs-special-underline'><h3 class='av-special-heading-tag '  itemprop=\"headline\"  >Plus d\u2019actualit\u00e9s swisNot <\/h3><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div>\n<div id='av-masonry-1' class='av-masonry av-926y9-41d046867fdf670bdab2f666daef23ac noHover av-fixed-size av-large-gap av-hover-overlay-active av-masonry-animation-active av-masonry-col-flexible av-caption-always av-caption-style- av-masonry-entries ' data-post_id=\"8865\"><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\/en\/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\/en\/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\/en\/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\/en\/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\/en\/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\/en\/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-926y9'  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='dd1b75e2a4'>Load more<\/a><\/div>\n<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Alexandre va ouvrir un commerce. Une banque accepte de lui accorder un cr\u00e9dit de 50 000 francs \u00e0 la condition que quelqu\u2019un le cautionne. Fr\u00e9d\u00e9ric serait pr\u00eat \u00e0 accepter, par amiti\u00e9. Mais \u00e0 quoi s\u2019engagerait-il ?<\/p>\n","protected":false},"menu_order":0,"template":"","meta":{"_acf_changed":false,"footnotes":""},"categories":[15],"class_list":["post-8865","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>Qui cautionne paie ! - 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\/en\/actualites\/qui-cautionne-paie\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Qui cautionne paie ! - swisNot - Le r\u00e9seau notarial suisse\" \/>\n<meta property=\"og:description\" content=\"swisNot, le r\u00e9seau notarial suisse, votre partenaire en mati\u00e8re juridique et fiscale\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.swisnot.ch\/en\/actualites\/qui-cautionne-paie\/\" \/>\n<meta property=\"og:site_name\" content=\"swisNot - Le r\u00e9seau notarial suisse\" \/>\n<meta property=\"article:modified_time\" content=\"2022-11-22T08:16:03+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"11 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.swisnot.ch\/en\/actualites\/qui-cautionne-paie\/\",\"url\":\"https:\/\/www.swisnot.ch\/en\/actualites\/qui-cautionne-paie\/\",\"name\":\"Qui cautionne paie ! 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