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Art. 818 Codice civile svizzero (CC)
CC; Parte seconda: Dei diritti reali limitati; Titolo ventesimosecondo: Del pegno immobiliare; Capo primo: Disposizioni generali; C. Effetti del pegno immobiliare; VII. Realizzazione del pegno; 3. Estensione della garanzia
Art. 818 CC
Il pegno immobiliare garantisce il creditore: 1. per il credito capitale; 2. per le spese dell’esecuzione e per gli interessi di mora; 3. per tre interessi annuali scaduti all’epoca della dichiarazione di fallimento o della domanda di realizzazione e per gli interessi decorsi dall’ultima scadenza; la cartella ipotecaria garantisce il creditore soltanto per gli interessi effettivamente dovuti.
L’interesse originariamente convenuto non può essere elevato oltre il cinque per cento a pregiudizio dei creditori pignoratizi posteriori.
Decisioni giudiziarie che applicano questa disposizione (59)
15.2023.6 · ti (Art. 818 cpv. 1 n. 3 CC)
Appeal Against Seizure Exceeding Enforcement Decree Amount
Cited in the reasoning to calculate mortgage interests.
A/4539/2019 · ge (art. 818 al. 1 CC)
Creditor's Claim for Early Repayment Indemnity in Auction Statement of Charges
Cited in the reasoning to determine the scope of security provided by a real estate pledge (capital, costs, and interest).
C/3715/2018 · ge (Art. 818 al. 1 ch. 1 CC)
Provisional Stay Granted: Copy of Note Sufficient for Exigible Debt
Cited in the reasoning to explain the guarantee scope of the real estate mortgage, which underpins the validity of the title used.
ML.2018.165 · vd (Art. 818 al. 1 ch. 2 et 3 CC)
Debtor Appeal on Provisional Lifting of Opposition to Debt Collection (Mortgage Pledge Enforcement)
Cited in the reasoning to define the maximum amount guaranteed by a real estate pledge regarding interest.
15.2018.38 · ti (art. 818 cpv. 1 n. 3 CC)
Mortgage Note Inclusion and Interest Calculation in Property Auction Charges
Applied to determine that only actually due interest should be guaranteed by the mortgage note, leading to the striking off of the calculated interest.
C/660/2016 · ge (Art. 818 al. 1 ch. 1 CC)
Mortgage Bond Foreclosure Scope for Contractual Penalties
Cited in the reasoning section to define what the mortgage secures, which justifies the main ruling on the scope of provisional levée of opposition.
C/660/2016 · ge (Art. 818 al. 1 ch. 2 CC)
Mortgage Bond Foreclosure Scope for Contractual Penalties
Cited in the reasoning section to define what the mortgage secures, which justifies the main ruling on the scope of provisional levée of opposition.
C/660/2016 · ge (Art. 818 al. 1 ch. 3 CC)
Mortgage Bond Foreclosure Scope for Contractual Penalties
Cited in the reasoning section to define what the mortgage secures, which justifies the main ruling on the scope of provisional levée of opposition.
AbR.2000.01.Nr.25 · ow (Art. 818 Abs. 1 Ziff. 3 ZGB)
Appeal Admissible: March Interest Calculation Disputes Under SchKG § 17
This provision, concerning the maximum amount of interest secured by a pledge, was used to interpret the scope of the pledge and assess the correctness of the debt collection office's calculation.
2015.08.04.zr.3 · bl (Art. 818 ZGB)
Debtor's Burden to Sue for Disputed Mortgage Claims
Used to determine the scope of coverage for a registered mortgage, including principal claims, collection costs, and interest.
A/1425/2013 · ge (art. 818 al. 1 CC)
Creditor's Claim for Early Repayment Penalty in Forced Sale Proceedings
Cited in the reasoning to determine the extent of the mortgage guarantee, although the specific claim in dispute was deemed not covered.
15.2013.32 · ti (Art. 818 CC)
Secured Creditor v. Subsequent Creditor (Real Estate Foreclosure Encumbrance List Amendment)
The court rectified the registered interest amounts based on the scope of the guarantee defined by this article, specifically its wording after the 2012 reform regarding interest effectively due.
ZK 2012 663 · be (Art. 818 Abs. 1 Ziff. 3 ZGB)
Secured Bearer Bond Enforcement Limited to Underlying Debt Amount in Absence of Explicit Surplus Return Agreement
The court addressed the application of this article concerning the collateralization of interest payments, which was central to the appeal outcome regarding interest claims.
PE110025 · zh (Art. 818 ZGB)
Bankruptcy Creditor Challenge to Encumbrance List and Free Legal Aid Denial
Cited as the legal basis for the question concerning the inclusion of mortgage interest in the schedule of charges, which formed the basis for partially granting legal aid.
167.2011.PBH · vd (art. 818 al. 1 ch. 2 CC)
Provisional Mortgage Registration Upheld Due to Plausible Claim for Unpaid Work and Payment Allocation Dispute
The provision concerning the guarantee of default interest by the real security, as mentioned in the context of setting the interest rate in the provisional orders.