Abstract

http://ssrn.com/abstract=1860142
 


 



De bank en de gehuwde cliënt (The Bank and the Married Client: Legal Consequences [Belgian Law] of Marriage of a Person in his or her Relationship with the Bank)


Alain Laurent P. G. Verbeke


University of Leuven, Director Rector Roger Dillemans Family Property Law Institute, Codirector Institute for Contract Law, Codirector Leuven Center for Notary Law; Harvard Law School; University of Leuven, Faculty of Psychology; Antwerp Management School; Tilburg Law School Department of Private Law and TISCO; Catholic University of Portugal (UCP) - Católica Global School of Law; Greenille Attorneys

March 1, 1994

CURRENT DEVELOPMENTS IN BANKING LAW, pp. 47-120, Antwerps, Juristencongres: Maklu 1994

Abstract:     
In dit substanteel artikel van meer dan 70 pagina's verken ik een aantal aspecten van de burgerlijke staat en de impact ervan op de relatie tussen de gehuwde opdrachtgever en de bank. De analyse gebeurt volgens Belgisch privaatrecht.

Eerst bekijke ik alle juridische gevolgen van het hebben van een bankrekening (en het huren van een kluis), met inbegrip van aspecten van internationaal privaatrecht.

Vervolgens analyseer ik de kredietfaciliteiten en leningen van een cliënt. Hier richten we ons op de regels van hoe deel te nemen aan een dergelijke lening: wat zijn de voorwaarden en formaliteiten die huwelijksvermogensrecht, alsmede de regels van hoe de bank / schuldeiser de betaling van een lening kunnen afdwingen. Ik bekijk op dit punt ook de delicate situatie van een feitelijke scheiding tussen de echtgenoten en van een lopende echtscheidingsprocedure.

In een derde deel gaan we in op de effecten die een echtgenoot aan zijn bankkan geven. Deze analyse omvat ook kort enkele kwesties van IPR.

In this substantial paper of more than 70 pages I explore several aspects of the marital status and its impact on the relationship between the client, being married, and the bank. The analysis is done according to Belgian private law.

First I explore all legal consequences of having a bank account (and renting a safe), including the conflict of laws issues (private international law).

Then I analyse the credit facilities and loans of a client. Here we focus on the rules of how to engage in such loan, what are the conditions and formalities required by marital property law, as well as on the rules of how the bank/creditor may enforce loan payment. On this point I also examine the delicate situation in case of factual separation between the spouses, and the pending divorce procedure.

In a third part we go into the securities and collatorals that a spouse may give to its bank. This is a profound analysis of all possible aspects of how to put such collatoral and what the sanctions may be if these rules are not respected. This analysis also briefly includes some conflict of laws issues.

Note: Downloadable document is in Dutch

Number of Pages in PDF File: 38

Keywords: Bank, Marriage, Divorce, Account, Loan, Securities, Collatorals, Safe, Conflict of Laws, Marital Property Law

JEL Classification: K 11, K 12

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Date posted: June 17, 2011 ; Last revised: September 8, 2013

Suggested Citation

Verbeke, Alain Laurent P. G., De bank en de gehuwde cliënt (The Bank and the Married Client: Legal Consequences [Belgian Law] of Marriage of a Person in his or her Relationship with the Bank) (March 1, 1994). CURRENT DEVELOPMENTS IN BANKING LAW, pp. 47-120, Antwerps, Juristencongres: Maklu 1994. Available at SSRN: http://ssrn.com/abstract=1860142

Contact Information

Alain Laurent P. G. Verbeke (Contact Author)
University of Leuven, Director Rector Roger Dillemans Family Property Law Institute, Codirector Institute for Contract Law, Codirector Leuven Center for Notary Law ( email )
Tiensestraat 41
Leuven, 3000
Belgium
003216325203 (Phone)
003216325296 (Fax)
HOME PAGE: http://www.law.kuleuven.be/fvr
Harvard Law School ( email )
Cambridge, MA
United States
HOME PAGE: http://www.pon.harvard.edu/
University of Leuven, Faculty of Psychology
Oude Markt 13
Leuven, Vlaams-Brabant 3000
Belgium
HOME PAGE: http://ppw.kuleuven.be/english/wopp/leuven-center-for-collaborative-management
Antwerp Management School ( email )
Het Brantijser
Sint-Jacobsmarkt 9-13
Antwerp, 2000
Belgium
Tilburg Law School Department of Private Law and TISCO ( email )
Tilburg, 5000 LE
Netherlands
HOME PAGE: http://www.tilburguniversity.edu/research/institutes-and-research-groups/tisco/
Catholic University of Portugal (UCP) - Católica Global School of Law
Lisboa
Portugal
HOME PAGE: http://www.fd.lisboa.ucp.pt/site/custom/template/ucptplfac.asp?sspageID=3293&lang=2
Greenille Attorneys ( email )
Boulevard de la Woluwe 2
1150 Brussels
Belgium
003227380650 (Phone)
003227380660 (Fax)
HOME PAGE: http://www.greenille.eu
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