1 Lorsque la caution est une personne physique, le montant total dont elle est tenue diminue chaque année, sauf dérogation convenue d’emblée ou subséquemment, de 3 %, et, si la créance est garantie par un gage immobilier, de 1 %. Dans tous les cas, le montant dont est tenue la personne physique diminue au moins dans la même proportion que la dette.
2 Font exception les cautionnements de dettes de droit public envers la Confédération ou ses établissements de droit public ou envers un canton, comme les droits de douane, les impôts et autres droits semblables, et les cautionnements de transport, ainsi que les cautionnements d’officiers publics et d’employés et les cautionnements de dettes à montant variable, comme les comptes courants et les contrats de vente par livraisons successives, et de prestations périodiques.
1 The creditor may not apply to the surety in respect of the principal obligation before the date fixed for its payment even if such date is brought forward following the principal debtor’s bankruptcy.
2 Under a contract of surety of any type, in exchange for furnishing real security, the surety may request that the court suspend the debt enforcement proceedings against him until all pledges have been realised and a definitive certificate of loss has been issued against the principal debtor or a composition agreement has been concluded with the creditors.
3 Where the principal obligation may not fall due without notice being served by the creditor or the principal debtor, the time limit for the surety does not commence until the date on which he receives such notice.
4 Where the obligation of a principal debtor residing abroad is annulled or restricted by foreign legislation, such as by provisions relating to clearing systems or a ban on currency transfers, a surety resident in Switzerland may also rely on such legislation unless he has waived this defence.
Ceci n’est pas une publication officielle. Seule la publication opérée par la Chancellerie fédérale fait foi. Ordonnance sur les publications officielles, OPubl.
This document is not an official publication. Only the publication of the Federal Chancellery is legally binding.