{"id":9484,"date":"2024-11-27T15:30:29","date_gmt":"2024-11-27T14:30:29","guid":{"rendered":"https:\/\/www.swisnot.ch\/?post_type=actualites&#038;p=9484"},"modified":"2024-11-27T15:30:29","modified_gmt":"2024-11-27T14:30:29","slug":"cedule-ou-cellule-hypothecaire","status":"publish","type":"actualites","link":"https:\/\/www.swisnot.ch\/it\/actualites\/cedule-ou-cellule-hypothecaire\/","title":{"rendered":"C\u00e9dule ou cellule hypoth\u00e9caire ?"},"content":{"rendered":"<div id='av_section_1'  class='avia-section av-av_section-3ef07c12a2bb1670acbb6a6393332f22 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-9484'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-m3zzb2gm-a4f9634d5d4c3a13e303d60360e1e6ce\">\n#top .av-special-heading.av-m3zzb2gm-a4f9634d5d4c3a13e303d60360e1e6ce{\npadding-bottom:10px;\nfont-size:36px;\n}\nbody .av-special-heading.av-m3zzb2gm-a4f9634d5d4c3a13e303d60360e1e6ce .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-m3zzb2gm-a4f9634d5d4c3a13e303d60360e1e6ce .av-special-heading-tag{\nfont-size:36px;\n}\n.av-special-heading.av-m3zzb2gm-a4f9634d5d4c3a13e303d60360e1e6ce .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-m3zzb2gm-a4f9634d5d4c3a13e303d60360e1e6ce .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-m3zzb2gm-a4f9634d5d4c3a13e303d60360e1e6ce .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-m3zzb2gm-a4f9634d5d4c3a13e303d60360e1e6ce 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\"  >C\u00e9dule ou cellule 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-av_two_third-0a678dcfc3d7d4e5a5705d1394399682\">\n.flex_column.av-av_two_third-0a678dcfc3d7d4e5a5705d1394399682{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-av_two_third-0a678dcfc3d7d4e5a5705d1394399682 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-m3zzbezy-599fb541ce73c0c34618f36df0d23a4e\">\n#top .av-special-heading.av-m3zzbezy-599fb541ce73c0c34618f36df0d23a4e{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-m3zzbezy-599fb541ce73c0c34618f36df0d23a4e .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-m3zzbezy-599fb541ce73c0c34618f36df0d23a4e .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-m3zzbezy-599fb541ce73c0c34618f36df0d23a4e 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\"  >La confusion est fr\u00e9quente. Cela traduit peut-\u00eatre la difficult\u00e9 \u00e0 comprendre le fonctionnement de ce gage immobilier.<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-m3zzcaba-b2031723be40cf3bc3a8d5f57305eeb3 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p>D&#8217;abord, r\u00e9tablissons la v\u00e9rit\u00e9. Il s\u2019agit bien de la c\u00e9dule hypoth\u00e9caire. Souvent, le terme est estropi\u00e9 au profit du terme proche mais inad\u00e9quat de cellule. Le terme \u00ab c\u00e9dule \u00bb vient du mot latin schedula, qui signifie \u00ab feuillet \u00bb, \u00ab billet servant \u00e0 notifier quelque chose \u00bb.<\/p>\n<p>L\u2019acquisition d\u2019un bien immobilier passe tr\u00e8s souvent par un emprunt hypoth\u00e9caire et la constitution d\u2019une c\u00e9dule hypoth\u00e9caire. Mais qu\u2019est-ce qu\u2019une c\u00e9dule hypoth\u00e9caire, quelle forme prend-elle, \u00e0 quoi sert-elle, qui la r\u00e9dige et combien co\u00fbte-t-elle ?<\/p>\n<p>D\u00e9finition<\/p>\n<p>Le pr\u00eat hypoth\u00e9caire aupr\u00e8s d\u2019une banque pour acqu\u00e9rir un bien immobilier est courant et le remboursement de ce pr\u00eat est garanti par un document appel\u00e9 c\u00e9dule hypoth\u00e9caire. La banque peut, si l\u2019emprunteur ne rembourse pas, r\u00e9cup\u00e9rer le montant de l\u2019hypoth\u00e8que en r\u00e9alisant le bien immobilier mis en garantie.<\/p>\n<p>L\u2019acte constitutif d\u2019une c\u00e9dule hypoth\u00e9caire n\u2019est valable qu\u2019en la forme authentique, c\u2019est-\u00e0-dire pass\u00e9 par-devant un notaire.<\/p>\n<p>La c\u00e9dule hypoth\u00e9caire reste en main de la banque jusqu\u2019\u00e0 son remboursement. Elle peut \u00eatre r\u00e9utilis\u00e9e pour garantir une autre cr\u00e9ance du m\u00eame cr\u00e9ancier ou celle d\u2019un nouveau cr\u00e9ancier. Lors d\u2019une vente immobili\u00e8re, la c\u00e9dule hypoth\u00e9caire peut \u00eatre c\u00e9d\u00e9e gratuitement ou vendue \u00e0 l\u2019acqu\u00e9reur. Con\u00e7ue comme un objet de transaction, la c\u00e9dule hypoth\u00e9caire peut ainsi facilement passer d\u2019un cr\u00e9ancier ou d\u2019un d\u00e9biteur \u00e0 l\u2019autre.<\/p>\n<p>Deux formes<\/p>\n<p>La c\u00e9dule hypoth\u00e9caire peut prendre deux formes : papier (c\u00e9dule hypoth\u00e9caire sur papier) ou d\u00e9mat\u00e9rialis\u00e9e (c\u00e9dule hypoth\u00e9caire de registre).<\/p>\n<p>La c\u00e9dule hypoth\u00e9caire de registre est nominative et est \u00e9mise au nom du cr\u00e9ancier ou du propri\u00e9taire foncier. Son transfert s\u2019effectue par inscriptions au Registre foncier.<\/p>\n<p>La c\u00e9dule hypoth\u00e9caire sur papier est \u00e9tablie au porteur ou au nom d\u2019une personne d\u00e9termin\u00e9e. Il s\u2019agit d\u2019un papier-valeur circulant par simple transfert du titre.<\/p>\n<p>Co\u00fbts<\/p>\n<p>L\u2019\u00e9molument pour la constitution d\u2019un droit de gage immobilier est souvent proportionnel au montant de celui-ci. \u00c0 titre comparatif, pour la constitution d\u2019une c\u00e9dule de 1 million de francs, il faut compter environ 11 500 fr. (2500 fr. de frais de notaire et 9000 fr. de frais de registre foncier) dans le canton de Fribourg, et environ 6800 fr. (3000 fr. de frais de notaire et 3800 fr. de frais de registre foncier) dans le canton de Vaud (Source Combien \u00e7a co\u00fbte ?, notaires.ch).<\/p>\n<p>C\u2019est \u00e0 l\u2019acqu\u00e9reur que revient le soin de payer les frais d\u2019\u00e9tablissement de l\u2019acte notari\u00e9.<\/p>\n<\/div><\/section><\/p><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_one_fourth-f7c1061df29de8cca6b42fcf455fe4a0\">\n.flex_column.av-av_one_fourth-f7c1061df29de8cca6b42fcf455fe4a0{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-av_one_fourth-f7c1061df29de8cca6b42fcf455fe4a0 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\/it\/notaire\/blajev-gregory\/\"><img decoding=\"async\" width=\"206\" height=\"261\" fetchpriority=\"high\" class='wp-image-2839 avia-img-lazy-loading-not-2839 avia_image avia_image_team' src=\"https:\/\/www.swisnot.ch\/wp\/wp-content\/uploads\/2021\/05\/sn_blajev_gregory.jpg\" alt='Blajev Gr\u00e9gory'  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\/it\/notaire\/blajev-gregory\/<\/span><a rel='v:url' data-avia-tooltip=\"Page d\u00e9di\u00e9e\" target='_blank' class=' avia-team-icon ' href='https:\/\/www.swisnot.ch\/it\/notaire\/blajev-gregory\/' aria-hidden='true' data-av_icon='\ue80a' data-av_iconfont='entypo-fontello'><\/a><\/div><\/div><\/div><h3 class='team-member-name'    itemprop=\"name\" >Blajev Gr\u00e9gory<\/h3><div class='team-member-job-title '   itemprop=\"jobTitle\" >Notaire chez <strong><a href=\"https:\/\/www.swisnot.ch\/it\/etudes_notaires\/etude-de-notaires-kaelin-associes-estavayer-le-lac\/\" target=\"_blank\">Etude de notaires Kaelin & Associ\u00e9s Estavayer-le-Lac<\/a><\/strong> (FR-IT)<\/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-m3zzcnk0-5ee0f5a0094c466992e57b0652b9a13f\">\n#top .av-special-heading.av-m3zzcnk0-5ee0f5a0094c466992e57b0652b9a13f{\npadding-bottom:0;\ncolor:#98012e;\n}\nbody .av-special-heading.av-m3zzcnk0-5ee0f5a0094c466992e57b0652b9a13f .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-m3zzcnk0-5ee0f5a0094c466992e57b0652b9a13f .special-heading-inner-border{\nborder-color:#98012e;\n}\n.av-special-heading.av-m3zzcnk0-5ee0f5a0094c466992e57b0652b9a13f .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-m3zzcnk0-5ee0f5a0094c466992e57b0652b9a13f 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\"  >\u00e0 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-m3zzdu9u-6325070b66cd64f58ce252a8c7f23936\">\n#top .avia-icon-list-container.av-m3zzdu9u-6325070b66cd64f58ce252a8c7f23936 .iconlist_icon{\ncolor:#b02b2c;\nfont-size:16px;\n}\n#top .avia-icon-list-container.av-m3zzdu9u-6325070b66cd64f58ce252a8c7f23936 .iconlist_icon svg:first-child{\nstroke:#b02b2c;\nfill:#b02b2c;\nheight:16px;\nwidth:16px;\n}\n#top #wrap_all .avia-icon-list-container.av-m3zzdu9u-6325070b66cd64f58ce252a8c7f23936 .av_iconlist_title{\nfont-size:16px;\n}\n<\/style>\n<div  class='avia-icon-list-container av-m3zzdu9u-6325070b66cd64f58ce252a8c7f23936  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-m3zzdu9u-6325070b66cd64f58ce252a8c7f23936 avia-iconlist-animate'>\n<li><div class='iconlist_icon av-m3zzd4p2-75850e27083a16f40ca05efcaed7a83c 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=\"Icona: \"><\/header><div class='iconlist_content '  itemprop=\"text\" ><p style=\"text-align: justify;\">La c\u00e9dule hypoth\u00e9caire est la cr\u00e9ance garantie par un gage portant sur un immeuble. En cas de non-remboursement de la cr\u00e9ance garantie, le cr\u00e9ancier peut faire r\u00e9aliser \u00e0 son profit le bien garanti par gage.<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<li><div class='iconlist_icon av-m3zzdo5i-54a56c84551d75ecd4b78bc5ee91d422 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=\"Icona: \"><\/header><div class='iconlist_content '  itemprop=\"text\" ><p style=\"text-align: justify;\">La c\u00e9dule hypoth\u00e9caire sur papier est \u00e9tablie au porteur ou au nom d\u2019une personne d\u00e9termin\u00e9e. Il s\u2019agit d\u2019un papier-valeur circulant par simple transfert du titre.<\/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-m3zzgamw-c3bfdfcdc27cbbed51785ac2b5437bb2-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\/2024\/11\/Cedule-ou-cellule-hypothecaire.pdf'  class='avia-button av-m3zzgamw-c3bfdfcdc27cbbed51785ac2b5437bb2 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' data-av_iconfont='entypo-fontello' ><\/span><span class='avia_iconbox_title' > Article (PDF)<\/span><\/a><\/div><br \/>\n\n<style 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class='av-special-heading av-av_heading-e0fd89ff5bb5365333703156ecfb8088 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-av_masonry_entries-355491b55a5aba908cd5ea1fad2f6346 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=\"9484\"><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\/it\/actualites\/revision-du-droit-des-successions\/\"  id='av-masonry-1-item-7888' 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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\/it\/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\/it\/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\/it\/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\/it\/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=''  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='46c1e4e122'>Carica di pi\u00f9<\/a><\/div>\n<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La confusion est fr\u00e9quente. Cela traduit peut-\u00eatre la difficult\u00e9 \u00e0 comprendre le fonctionnement de ce gage immobilier.<\/p>\n","protected":false},"menu_order":0,"template":"","meta":{"_acf_changed":false,"footnotes":""},"categories":[],"class_list":["post-9484","actualites","type-actualites","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>C\u00e9dule ou cellule 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\/it\/actualites\/cedule-ou-cellule-hypothecaire\/\" \/>\n<meta property=\"og:locale\" content=\"it_IT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"C\u00e9dule ou cellule hypoth\u00e9caire ? 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