{"id":9542,"date":"2026-11-13T09:00:00","date_gmt":"2026-11-13T09:00:00","guid":{"rendered":"https:\/\/gharibaelhardaj.ma\/?p=9542"},"modified":"2026-11-12T18:30:20","modified_gmt":"2026-11-12T18:30:20","slug":"delai-de-grace-credit-licenciement-maroc","status":"publish","type":"post","link":"https:\/\/gharibaelhardaj.ma\/ar\/delai-de-grace-credit-licenciement-maroc\/","title":{"rendered":"D\u00e9lai de gr\u00e2ce cr\u00e9dit apr\u00e8s un licenciement : suspendre vos mensualit\u00e9s au Maroc"},"content":{"rendered":"<p>Vous venez de perdre votre emploi et les mensualit\u00e9s de votre cr\u00e9dit continuent de tomber ? Rassurez-vous, la loi marocaine pr\u00e9voit une protection sp\u00e9cifique. En effet, le <strong>d\u00e9lai de gr\u00e2ce cr\u00e9dit<\/strong> permet au juge de suspendre temporairement vos remboursements. Dans ce guide, nous expliquons donc les conditions, la proc\u00e9dure et les limites de ce m\u00e9canisme.<\/p>\n\n\n\n<figure class=\"w-richtext-figure-type-image w-richtext-align-fullwidth wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"2560\" height=\"1707\" src=\"https:\/\/gharibaelhardaj.ma\/wp-content\/uploads\/2026\/01\/close-up-pen-financial-report-scaled.jpg\" alt=\"d\u00e9lai de gr\u00e2ce cr\u00e9dit\" class=\"wp-image-381\" srcset=\"https:\/\/gharibaelhardaj.ma\/wp-content\/uploads\/2026\/01\/close-up-pen-financial-report-scaled.jpg 2560w, https:\/\/gharibaelhardaj.ma\/wp-content\/uploads\/2026\/01\/close-up-pen-financial-report-300x200.jpg 300w, https:\/\/gharibaelhardaj.ma\/wp-content\/uploads\/2026\/01\/close-up-pen-financial-report-1024x683.jpg 1024w, https:\/\/gharibaelhardaj.ma\/wp-content\/uploads\/2026\/01\/close-up-pen-financial-report-768x512.jpg 768w, https:\/\/gharibaelhardaj.ma\/wp-content\/uploads\/2026\/01\/close-up-pen-financial-report-1536x1024.jpg 1536w, https:\/\/gharibaelhardaj.ma\/wp-content\/uploads\/2026\/01\/close-up-pen-financial-report-2048x1365.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Qu\u2019est-ce que le d\u00e9lai de gr\u00e2ce cr\u00e9dit ?<\/h2>\n\n\n\n<p>Le d\u00e9lai de gr\u00e2ce est une d\u00e9cision de justice qui suspend l\u2019ex\u00e9cution des obligations de l\u2019emprunteur. Concr\u00e8tement, la banque ne peut plus exiger les \u00e9ch\u00e9ances pendant la p\u00e9riode fix\u00e9e par le juge. Ce m\u00e9canisme repose sur l\u2019<strong>article 149 de la loi n\u00b0 31-08<\/strong> relative \u00e0 la protection du consommateur. Par ailleurs, ce texte d\u00e9roge aux r\u00e8gles g\u00e9n\u00e9rales de l\u2019article 243 du Dahir des obligations et des contrats.<\/p>\n\n\n\n<p>Ainsi, le juge peut suspendre l\u2019ex\u00e9cution des obligations du d\u00e9biteur, notamment en cas de <strong>licenciement<\/strong> ou de <strong>situation sociale impr\u00e9visible<\/strong>. De plus, l\u2019ordonnance peut pr\u00e9voir que les sommes dues ne produisent pas d\u2019int\u00e9r\u00eats pendant cette p\u00e9riode.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Conditions pour obtenir un d\u00e9lai de gr\u00e2ce cr\u00e9dit<\/h2>\n\n\n\n<p>Pour que la demande aboutisse, le dossier doit en g\u00e9n\u00e9ral remplir plusieurs conditions :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Un cr\u00e9dit \u00e0 la consommation ou un cr\u00e9dit immobilier<\/strong> qu\u2019un particulier a souscrit.<\/li>\n\n\n<li><strong>Un usage personnel ou familial<\/strong> du financement, et non professionnel.<\/li>\n\n\n<li><strong>Un \u00e9v\u00e9nement grave et impr\u00e9vu<\/strong>, par exemple un licenciement, une maladie grave ou un accident.<\/li>\n\n\n<li><strong>Un lien direct<\/strong> entre cet \u00e9v\u00e9nement et l\u2019incapacit\u00e9 de payer.<\/li>\n\n\n<li><strong>La bonne foi<\/strong> de l\u2019emprunteur, qui payait normalement avant l\u2019\u00e9v\u00e9nement.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Le d\u00e9lai de gr\u00e2ce cr\u00e9dit est-il r\u00e9serv\u00e9 aux salari\u00e9s ?<\/h3>\n\n\n\n<p>Non. En effet, la Cour de cassation a r\u00e9cemment jug\u00e9 que l\u2019article 149 ne limite pas ce droit aux salari\u00e9s. Autrement dit, le texte pr\u00e9voit deux cas distincts : le licenciement d\u2019une part, et la situation sociale impr\u00e9visible d\u2019autre part. Par cons\u00e9quent, un commer\u00e7ant malade ou un ind\u00e9pendant en difficult\u00e9 peut aussi le demander, s\u2019il prouve sa situation.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Quelle dur\u00e9e pour le d\u00e9lai de gr\u00e2ce ?<\/h2>\n\n\n\n<p>Le juge fixe la dur\u00e9e selon chaque dossier. Toutefois, elle ne peut pas d\u00e9passer <strong>deux ans<\/strong>. C\u2019est pourquoi il faut demander clairement l\u2019absence d\u2019int\u00e9r\u00eats pendant la suspension. Ensuite, \u00e0 la fin du d\u00e9lai, l\u2019emprunteur reprend ses paiements selon l\u2019\u00e9ch\u00e9ancier pr\u00e9vu ou modifi\u00e9.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">La proc\u00e9dure \u00e9tape par \u00e9tape<\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>\u00c9crire d\u2019abord \u00e0 la banque<\/strong> pour l\u2019informer de la situation et demander un report amiable.<\/li>\n\n\n<li><strong>R\u00e9unir ensuite les preuves :<\/strong> contrat de cr\u00e9dit, tableau d\u2019amortissement, relev\u00e9s bancaires, lettre de licenciement ou certificats m\u00e9dicaux.<\/li>\n\n\n<li><strong>Saisir enfin le pr\u00e9sident du tribunal<\/strong> comp\u00e9tent, qui statue en r\u00e9f\u00e9r\u00e9.<\/li>\n\n\n<li><strong>Notifier l\u2019ordonnance<\/strong> \u00e0 la banque afin de bloquer les pr\u00e9l\u00e8vements.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\">Pourquoi une demande de d\u00e9lai de gr\u00e2ce cr\u00e9dit est-elle refus\u00e9e ?<\/h2>\n\n\n\n<p>En pratique, les juges rejettent souvent les demandes mal pr\u00e9par\u00e9es. Par exemple, le refus intervient lorsque :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>l\u2019emprunteur ne prouve pas le licenciement ou la situation sociale ;<\/li>\n\n\n<li>la demande arrive tr\u00e8s tard, alors que l\u2019emprunteur a retrouv\u00e9 des revenus ;<\/li>\n\n\n<li>le cr\u00e9dit finance une activit\u00e9 professionnelle ;<\/li>\n\n\n<li>des impay\u00e9s existaient d\u00e9j\u00e0 avant l\u2019\u00e9v\u00e9nement.<\/li>\n<\/ul>\n\n\n\n<p>Ainsi, la qualit\u00e9 du dossier joue un r\u00f4le d\u00e9cisif, car le juge dispose d\u2019un large pouvoir d\u2019appr\u00e9ciation.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Ce que le d\u00e9lai de gr\u00e2ce ne fait pas<\/h2>\n\n\n\n<p>Attention, le d\u00e9lai de gr\u00e2ce n\u2019efface pas la dette. En r\u00e9alit\u00e9, il suspend seulement les paiements. Rien n\u2019emp\u00eache donc de n\u00e9gocier en parall\u00e8le un r\u00e9\u00e9chelonnement avec la banque. De m\u00eame, si le licenciement est abusif, vous pouvez r\u00e9clamer des indemnit\u00e9s \u00e0 votre employeur. Pour comprendre vos droits, consultez notre guide sur le <a href=\"https:\/\/gharibaelhardaj.ma\/ar\/licenciement-abusif-maroc-indemnites-recours-maitre-el-hardaj\/\">licenciement abusif et ses indemnit\u00e9s<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Questions fr\u00e9quentes sur le d\u00e9lai de gr\u00e2ce cr\u00e9dit<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Peut-on demander un d\u00e9lai de gr\u00e2ce cr\u00e9dit apr\u00e8s une mise en demeure de la banque ?<\/h3>\n\n\n\n<p>Oui. La demande reste possible m\u00eame si la banque a d\u00e9j\u00e0 engag\u00e9 des poursuites. Cependant, agir t\u00f4t renforce nettement votre dossier.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Le cr\u00e9dit immobilier garanti par une hypoth\u00e8que est-il concern\u00e9 ?<\/h3>\n\n\n\n<p>Oui, d\u00e8s lors que le cr\u00e9dit finance le logement d\u2019un particulier et que le dossier remplit les conditions.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Faut-il un avocat ?<\/h3>\n\n\n\n<p>Un avocat aide \u00e0 choisir la bonne juridiction, \u00e0 r\u00e9diger la requ\u00eate et \u00e0 pr\u00e9senter les preuves de fa\u00e7on convaincante.<\/p>\n\n\n\n<p>Source officielle : <a href=\"https:\/\/adala.justice.gov.ma\/adala\/new_ar_pdf\/ec6de5cbb24cf5b154f4d965ee31c352f0297588edd7467cc2245f4e47d1f5cb.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">texte de la loi n\u00b0 31-08 sur le portail Adala du minist\u00e8re de la Justice<\/a>.<\/p>\n\n\n\n<p><em>Cet article est fourni \u00e0 titre d\u2019information g\u00e9n\u00e9rale et ne remplace pas une consultation adapt\u00e9e \u00e0 votre dossier.<\/em><\/p>","protected":false},"excerpt":{"rendered":"<p>D\u00e9lai de gr\u00e2ce cr\u00e9dit : apr\u00e8s un licenciement, la loi 31-08 (art. 149) permet de suspendre vos mensualit\u00e9s jusqu\u2019\u00e0 2 ans.<\/p>","protected":false},"author":2,"featured_media":381,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[240],"tags":[],"taxonomy\/categories-de-postes":[],"class_list":["post-9542","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-droit-consommation"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>D\u00e9lai de gr\u00e2ce cr\u00e9dit apr\u00e8s licenciement au Maroc (art. 149)<\/title>\n<meta name=\"description\" content=\"D\u00e9lai de gr\u00e2ce cr\u00e9dit : apr\u00e8s un licenciement, la loi 31-08 (art. 149) permet de 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