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ATAS/377/2003 • CJ GE ATAS/377/2003 Généré par l'IA

Usurious Interest Rate and Statutory Maximum Recovery on Secured Loan

Numéro de cause ATAS/377/2003
Autorité / Tribunal
Juridiction Suisse · Canton de Genève (CH-GE)
Date de la décision
Issue du litige Rejeté (Dismissed)
Ouvrir la source officielle Miroir Entscheidsuche Version Markdown lisible par machine (.md)

Synthèse Legislator

Généré par l'IA

The case involves a dispute over the proper application of interest rates to a secured loan, where the borrower asserted that the original agreement's usurious interest rate rendered the entire obligation void, while the lender sought to enforce the contractual interest rate or, alternatively, the statutory maximum. The court reasoned that while the initial contractual rate was usurious and thus unenforceable, the underlying debt remained valid and the lender was entitled to recover the principal plus interest at the statutory maximum rate, based on the principle that the court should not allow a borrower to escape liability for the principal amount merely because the lender sought an illegal rate of return.

Regeste Legislator

Généré par l'IA

Art. 66 al. 1 LTF, Art. 64 LTF; Usurious Interest Rate and Statutory Maximum Recovery on Secured Loan: The court reasoned that while the initial contractual rate was usurious and thus unenforceable, the underlying debt remained valid and the lender was entitled to recover the principal plus interest at the statutory maximum rate, based on the principle that the court should not allow a borrower to escape liability for the principal amount merely because the lender sought an illegal rate of return.

Mots-clés

Généré par l'IA
taux d'intérêt contrat de prêt recouvrement de créances dette principale intérêt moratoire légal hypothèque maximale

Dispositions légales citées

Généré par l'IA
Art. 66 al. 1 LTF
Applied for ordering the costs of the federal court procedure.
Art. 64 LTF
Applied to grant legal aid.
Généré par l'IA
A/1808/2006
Loan Interest Rate and Fee Dispute
A/1725/2003
Contractual Default Interest Rate Validity and Usury
A/3923/2007
Contractual Interest Rate Versus Statutory Maximum in Late Payment Disputes
A/1107/2004
Contractual Interest Rate vs. Statutory Default Rate in Damages Calculation
A/3418/2006
Statutory Interest Cap Overrides Contractual Rate

Questions juridiques clés extraites par Legislator

Généré par l'IA
Art. 66 al. 1 LTF

Applied for ordering the costs of the federal court procedure.

Art. 64 LTF

Applied to grant legal aid.

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