{"id":6939,"date":"2025-03-12T09:31:00","date_gmt":"2025-03-12T08:31:00","guid":{"rendered":"https:\/\/mazzalex.com\/?p=6939"},"modified":"2025-03-12T09:31:14","modified_gmt":"2025-03-12T08:31:14","slug":"banking-contracts-mortgage-validity-of-the-solution-mortgage-supreme-court-of-cassation-united-sections-judgment-no-5841-of-05-03-2025","status":"publish","type":"post","link":"https:\/\/mazzalex.com\/en\/banking-contracts-mortgage-validity-of-the-solution-mortgage-supreme-court-of-cassation-united-sections-judgment-no-5841-of-05-03-2025\/","title":{"rendered":"Banking, Contracts, Mortgage, Validity of the \u201csolution\u201d mortgage, Supreme Court of Cassation, United Sections, Judgment no. 5841 of 05\/03\/2025"},"content":{"rendered":"

\u201cSolutory\u201d mortgage used to settle the borrower\u2019s previous debt exposure – Validity – Existence – Effectiveness as an executive title – Configurability.<\/p>\n

The United Civil Sections \u2013 in relation to the issue referred by the Second Civil Section with the interlocutory order no. 18903 of 10 July 2024 \u2013 have pronounced the following principles:<\/p>\n

\u00abThe completion of the loan agreement, with the consequent birth of the obligation of repayment by the borrower, occurs when the sum borrowed, even if not physically delivered, is placed in the legal availability of the borrower himself, through crediting to a current account, without prejudice to the fact that the sums themselves are immediately intended to repay previous debt exposures towards the lending bank, constituting such destination as the result of dispositive acts in any case distinct and extraneous to the contractual case.<\/p>\n

Even where such destination occurs, the loan agreement (so-called solutorio loan), in the presence of the requirements set forth in art. 474 of the Italian Civil Procedure Code, constitutes a valid enforcement order\u00bb.<\/p>\n

Source Supreme Court of Cassation<\/p>\n","protected":false},"excerpt":{"rendered":"

\u201cSolutory\u201d mortgage used to settle the borrower\u2019s previous debt exposure – Validity – Existence – Effectiveness as an executive title – Configurability. The United Civil Sections \u2013 in relation to the issue referred by the Second Civil Section with the interlocutory order no. 18903 of 10 July 2024 \u2013 have pronounced the following principles: \u00abThe completion of the loan agreement, with the consequent birth of the obligation of repayment by the borrower, occurs when the sum borrowed, even if not physically delivered, is placed in the legal availability of the borrower himself, through crediting to a current account, without prejudice…<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[223],"tags":[],"yoast_head":"\nBanking, Contracts, Mortgage, Validity of the \u201csolution\u201d mortgage, Supreme Court of Cassation, United Sections, Judgment no. 5841 of 05\/03\/2025 - Studio Legale Mazza<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mazzalex.com\/en\/banking-contracts-mortgage-validity-of-the-solution-mortgage-supreme-court-of-cassation-united-sections-judgment-no-5841-of-05-03-2025\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Banking, Contracts, Mortgage, Validity of the \u201csolution\u201d mortgage, Supreme Court of Cassation, United Sections, Judgment no. 5841 of 05\/03\/2025 - Studio Legale Mazza\" \/>\n<meta property=\"og:description\" content=\"\u201cSolutory\u201d mortgage used to settle the borrower\u2019s previous debt exposure – Validity – Existence – Effectiveness as an executive title – Configurability. The United Civil Sections \u2013 in relation to the issue referred by the Second Civil Section with the interlocutory order no. 18903 of 10 July 2024 \u2013 have pronounced the following principles: \u00abThe completion of the loan agreement, with the consequent birth of the obligation of repayment by the borrower, occurs when the sum borrowed, even if not physically delivered, is placed in the legal availability of the borrower himself, through crediting to a current account, without prejudice...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/mazzalex.com\/en\/banking-contracts-mortgage-validity-of-the-solution-mortgage-supreme-court-of-cassation-united-sections-judgment-no-5841-of-05-03-2025\/\" \/>\n<meta property=\"og:site_name\" content=\"Studio Legale Mazza\" \/>\n<meta property=\"article:published_time\" content=\"2025-03-12T08:31:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-03-12T08:31:14+00:00\" \/>\n<meta name=\"author\" content=\"mazza\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@Mazzalexstudio\" \/>\n<meta name=\"twitter:site\" content=\"@Mazzalexstudio\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"mazza\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/mazzalex.com\/en\/banking-contracts-mortgage-validity-of-the-solution-mortgage-supreme-court-of-cassation-united-sections-judgment-no-5841-of-05-03-2025\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/mazzalex.com\/en\/banking-contracts-mortgage-validity-of-the-solution-mortgage-supreme-court-of-cassation-united-sections-judgment-no-5841-of-05-03-2025\/\"},\"author\":{\"name\":\"mazza\",\"@id\":\"http:\/\/mazzalex.internet-idee.net\/#\/schema\/person\/731fd74080aa9fce36c989512a0171c7\"},\"headline\":\"Banking, Contracts, Mortgage, Validity of the \u201csolution\u201d mortgage, Supreme Court of Cassation, United Sections, Judgment no. 5841 of 05\/03\/2025\",\"datePublished\":\"2025-03-12T08:31:00+00:00\",\"dateModified\":\"2025-03-12T08:31:14+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/mazzalex.com\/en\/banking-contracts-mortgage-validity-of-the-solution-mortgage-supreme-court-of-cassation-united-sections-judgment-no-5841-of-05-03-2025\/\"},\"wordCount\":188,\"publisher\":{\"@id\":\"http:\/\/mazzalex.internet-idee.net\/#organization\"},\"articleSection\":[\"News\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/mazzalex.com\/en\/banking-contracts-mortgage-validity-of-the-solution-mortgage-supreme-court-of-cassation-united-sections-judgment-no-5841-of-05-03-2025\/\",\"url\":\"https:\/\/mazzalex.com\/en\/banking-contracts-mortgage-validity-of-the-solution-mortgage-supreme-court-of-cassation-united-sections-judgment-no-5841-of-05-03-2025\/\",\"name\":\"Banking, Contracts, Mortgage, Validity of the \u201csolution\u201d mortgage, Supreme Court of Cassation, United Sections, Judgment no. 5841 of 05\/03\/2025 - 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