{ "article": { "LEGIARTI000028972737": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "R515-15", "ETAT": "TRANSFERE", "TYPE": "AUTONOME", "DATE_FIN": "2014-11-06", "DATE_DEBUT": "2014-05-26" } }, "META_COMMUN": { "ID": "LEGIARTI000028972737", "URL": "article/LEGI/ARTI/00/00/28/97/27/LEGIARTI000028972737.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "LEGIARTI000028970986", "@num": "1", "#text": "Décret n°2014-526\n du 23 mai 2014 - art. 1", "@sens": "cible", "@cidtexte": "JORFTEXT000028970057", "@nortexte": "FCPT1328401D", "@numtexte": "2014-526", "@typelien": "MODIFIE", "@naturetexte": "DECRET", "@datesignatexte": "2014-05-23" }, { "@id": "LEGIARTI000029702474", "@num": "4", "#text": "DÉCRET n°2014-1315 du 3 novembre 2014 - art. 4", "@sens": "cible", "@cidtexte": "JORFTEXT000029699787", "@nortexte": "FCPT1413681D", "@numtexte": "2014-1315", "@typelien": "TRANSFERE", "@naturetexte": "DECRET", "@datesignatexte": "2014-11-03" }, { "@id": "LEGIARTI000029714296", "@num": "R513-19", "#text": "Code monétaire et financier - art. R513-19 (V)", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CONCORDE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000027874570", "@num": "R515-12", "#text": "Code monétaire et financier - art. R515-12 (T)", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006684783", "@num": "R515-2", "#text": "Code monétaire et financier - art. R515-2", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000028972765", "@num": "R515-4", "#text": "Code monétaire et financier - art. R515-4 (V)", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006684789", "@num": "R515-5", "#text": "Code monétaire et financier - art. R515-5", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000028972758", "@num": "R515-7", "#text": "Code monétaire et financier - art. R515-7 (V)", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000023629805", "@fin": "2014-11-06", "#text": "Section 5 : Les sociétés de financement de l'habitat.", "@debut": "2011-02-26" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006153803", "@fin": "2014-11-06", "#text": "Chapitre V : Les sociétés financières.", "@debut": "2005-08-25" }, { "@id": "LEGISCTA000029723200", "@fin": "2999-01-01", "#text": "Chapitre V : Les sociétés de financement.", "@debut": "2014-11-06" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006139648", "@fin": "2014-11-06", "#text": "Titre Ier : Etablissements du secteur bancaire", "@debut": "2005-08-25" }, { "@id": "LEGISCTA000029723044", "@fin": "2999-01-01", "#text": "Titre Ier : Prestataires de services bancaires", "@debut": "2014-11-06" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006123547", "@fin": "2999-01-01", "#text": "Livre V : Les prestataires de services", "@debut": "2005-08-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006100807", "@fin": "2999-01-01", "#text": "Partie réglementaire", "@debut": "2005-08-25" } ] }, "@cid": "LEGITEXT000006072026", "@nature": "CODE", "TITRE_TXT": [ { "@fin": "2999-01-01", "#text": "Code monétaire et financier", "@debut": "2001-01-01", "@id_txt": "LEGITEXT000006072026", "@c_titre_court": "Code monétaire et financier" } ], "@date_publi": "2999-01-01", "@date_signature": "2999-01-01" } }, "VERSIONS": { "VERSION": [ { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000023629813", "@fin": "2014-05-26", "@num": "R515-15", "@etat": "MODIFIE", "@debut": "2011-02-26", "@origine": "LEGI" } }, { "@etat": "TRANSFERE", "LIEN_ART": { "@id": "LEGIARTI000028972737", "@fin": "2014-11-06", "@num": "R515-15", "@etat": "TRANSFERE", "@debut": "2014-05-26", "@origine": "LEGI" } }, { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000034461485", "@fin": "2999-01-01", "@num": "R515-15", "@etat": "VIGUEUR", "@debut": "2017-04-23", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

Les sociétés de financement de l'habitat sont régies par les dispositions des articles R. 515-2, R. 515-4, R. 515-5, R. 515-7 à R. 515-11, R. 515-11-2 et R. 515-12 à R. 515-14, sous réserve des dispositions de la présente section.

" } }, "LEGIARTI000006684783": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "R515-2", "ETAT": "MODIFIE", "TYPE": "AUTONOME", "DATE_FIN": "2007-05-10", "DATE_DEBUT": "2005-08-25" } }, "META_COMMUN": { "ID": "LEGIARTI000006684783", "URL": "article/LEGI/ARTI/00/00/06/68/47/LEGIARTI000006684783.xml", "NATURE": "Article", "ORIGINE": "LEGI", "ANCIEN_ID": "AERXXXXXXXX515R002AXXXAA" } }, "LIENS": { "LIEN": [ { "@id": "LEGIARTI000006739963", "@num": "2", "#text": "Décret n°99-710 du 3 août 1999 - art. 2 (Ab)", "@sens": "source", "@cidtexte": "JORFTEXT000000396672", "@nortexte": "ECOT9926241D", "@numtexte": "99-710", "@typelien": "CONCORDANCE", "@naturetexte": "DECRET", "@datesignatexte": "1999-08-03" }, { "@id": "LEGIARTI000006739963", "@num": "2", "#text": "Décret n°99-710 du 3 août 1999 - art. 2 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000000396672", "@nortexte": "ECOT9926241D", "@numtexte": "99-710", "@typelien": "CONCORDE", "@naturetexte": "DECRET", "@datesignatexte": "1999-08-03" }, { "@id": "JORFTEXT000000451781", "#text": "Décret 2005-1007 2005-08-02 JORF 25 août 2005", "@sens": "source", "@cidtexte": "JORFTEXT000000451781", "@nortexte": "ECOX0500001D", "@numtexte": "2005-1007", "@typelien": "CODIFICATION", "@naturetexte": "DECRET", "@datesignatexte": "2005-08-02" }, { "@id": "LEGIARTI000006656153", "@num": "L515-14", "#text": "Code monétaire et financier - art. L515-14 (M)", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000028972737", "@num": "R515-15", "#text": "Code monétaire et financier - art. R515-15 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000028972765", "@num": "R515-4", "#text": "Code monétaire et financier - art. R515-4 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000026838259", "@num": "R745-2-1", "#text": "Code monétaire et financier - art. R745-2-1 (M)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000026842693", "@num": "R755-2-1", "#text": "Code monétaire et financier - art. R755-2-1 (M)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000026841163", "@num": "R765-2-1", "#text": "Code monétaire et financier - art. R765-2-1 (M)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000006185244", "@fin": "2014-11-06", "#text": "Sous-section 2 : Opérations.", "@debut": "2005-08-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006169773", "@fin": "2014-11-06", "#text": "Section 4 : Les sociétés de crédit foncier.", "@debut": "2005-08-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006153803", "@fin": "2014-11-06", "#text": "Chapitre V : Les sociétés financières.", "@debut": "2005-08-25" }, { "@id": "LEGISCTA000029723200", "@fin": "2999-01-01", "#text": "Chapitre V : Les sociétés de financement.", "@debut": "2014-11-06" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006139648", "@fin": "2014-11-06", "#text": "Titre Ier : Etablissements du secteur bancaire", "@debut": "2005-08-25" }, { "@id": "LEGISCTA000029723044", "@fin": "2999-01-01", "#text": "Titre Ier : Prestataires de services bancaires", "@debut": "2014-11-06" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006123547", "@fin": "2999-01-01", "#text": "Livre V : Les prestataires de services", "@debut": "2005-08-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006100807", "@fin": "2999-01-01", "#text": "Partie réglementaire", "@debut": "2005-08-25" } ] }, "@cid": "LEGITEXT000006072026", "@nature": "CODE", "TITRE_TXT": [ { "@fin": "2999-01-01", "#text": "Code monétaire et financier", "@debut": "2001-01-01", "@id_txt": "LEGITEXT000006072026", "@c_titre_court": "Code monétaire et financier" } ], "@date_publi": "2999-01-01", "@date_signature": "2999-01-01" } }, "VERSIONS": { "VERSION": [ { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006684783", "@fin": "2007-05-10", "@num": "R515-2", "@etat": "MODIFIE", "@debut": "2005-08-25", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006684784", "@fin": "2014-01-01", "@num": "R515-2", "@etat": "MODIFIE", "@debut": "2007-05-10", "@origine": "LEGI" } }, { "@etat": "TRANSFERE", "LIEN_ART": { "@id": "LEGIARTI000027653025", "@fin": "2014-11-06", "@num": "R515-2", "@etat": "TRANSFERE", "@debut": "2014-01-01", "@origine": "LEGI" } }, { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000029723182", "@fin": "2999-01-01", "@num": "R515-2", "@etat": "VIGUEUR", "@debut": "2014-11-06", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "
Les quotités prévues à l'article L. 515-14 sont définies, lorsqu'elles sont appréciées au moment de la conclusion du contrat de prêt, par le rapport entre le capital dû et la valeur du bien, lorsqu'elles sont appréciées au moment de l'acquisition de la créance si le prêt a été consenti par un tiers, par le rapport entre le capital restant dû et la valeur du bien.
\n
Elles sont fixées à 60 % de la valeur du bien financé pour les prêts cautionnés ou du bien apporté en garantie pour les prêts hypothécaires.
\n
Elles peuvent être portées à 80 % de la valeur du bien lorsque tous les prêts garantis figurant à l'actif de la société de crédit foncier ont été consentis à des personnes physiques pour financer la construction ou l'acquisition de logements ou pour financer à la fois l'acquisition d'un terrain à bâtir et le coût des travaux de construction de logements. Sont assimilés à la construction les travaux ayant pour objet la création ou la transformation d'une surface habitable, par agrandissement ou par remise en état. Pour les prêts hypothécaires, il faut également que le bien apporté en garantie soit un logement.
" } }, "LEGIARTI000006684784": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "R515-2", "ETAT": "MODIFIE", "TYPE": "AUTONOME", "DATE_FIN": "2014-01-01", "DATE_DEBUT": "2007-05-10" } }, "META_COMMUN": { "ID": "LEGIARTI000006684784", "URL": "article/LEGI/ARTI/00/00/06/68/47/LEGIARTI000006684784.xml", "NATURE": "Article", "ORIGINE": "LEGI", "ANCIEN_ID": "AERXXXXXXXX515R002AXXXAB" } }, "LIENS": { "LIEN": [ { "@id": "LEGIARTI000006739963", "@num": "2", "#text": "Décret n°99-710 du 3 août 1999 - art. 2 (Ab)", "@sens": "source", "@cidtexte": "JORFTEXT000000396672", "@nortexte": "ECOT9926241D", "@numtexte": "99-710", "@typelien": "CONCORDANCE", "@naturetexte": "DECRET", "@datesignatexte": "1999-08-03" }, { "@id": "LEGIARTI000006739963", "@num": "2", "#text": "Décret n°99-710 du 3 août 1999 - art. 2 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000000396672", "@nortexte": "ECOT9926241D", "@numtexte": "99-710", "@typelien": "CONCORDE", "@naturetexte": "DECRET", "@datesignatexte": "1999-08-03" }, { "@id": "JORFTEXT000000451781", "#text": "Décret 2005-1007 2005-08-02 JORF 25 août 2005", "@sens": "source", "@cidtexte": "JORFTEXT000000451781", "@nortexte": "ECOX0500001D", "@numtexte": "2005-1007", "@typelien": "CODIFICATION", "@naturetexte": "DECRET", "@datesignatexte": "2005-08-02" }, { "@id": "LEGIARTI000006264004", "@num": "2", "#text": "Décret n°2007-745 du 9 mai 2007 - art. 2 () JORF 10 mai 2007", "@sens": "source", "@cidtexte": "JORFTEXT000000649179", "@nortexte": "ECOT0752665D", "@numtexte": "2007-745", "@typelien": "MODIFICATION", "@naturetexte": "DECRET", "@datesignatexte": "2007-05-09" }, { "@id": "LEGIARTI000006656153", "@num": "L515-14", "#text": "Code monétaire et financier - art. L515-14 (M)", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000028972737", "@num": "R515-15", "#text": "Code monétaire et financier - art. R515-15 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000028972765", "@num": "R515-4", "#text": "Code monétaire et financier - art. R515-4 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000026838259", "@num": "R745-2-1", "#text": "Code monétaire et financier - art. R745-2-1 (M)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000026842693", "@num": "R755-2-1", "#text": "Code monétaire et financier - art. R755-2-1 (M)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000026841163", "@num": "R765-2-1", "#text": "Code monétaire et financier - art. R765-2-1 (M)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006825051", "@num": "L312-1", "#text": "Code de la construction et de l'habitation. - art. L312-1 (M)", "@sens": "source", "@cidtexte": "LEGITEXT000006074096", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000006185244", "@fin": "2014-11-06", "#text": "Sous-section 2 : Opérations.", "@debut": "2005-08-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006169773", "@fin": "2014-11-06", "#text": "Section 4 : Les sociétés de crédit foncier.", "@debut": "2005-08-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006153803", "@fin": "2014-11-06", "#text": "Chapitre V : Les sociétés financières.", "@debut": "2005-08-25" }, { "@id": "LEGISCTA000029723200", "@fin": "2999-01-01", "#text": "Chapitre V : Les sociétés de financement.", "@debut": "2014-11-06" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006139648", "@fin": "2014-11-06", "#text": "Titre Ier : Etablissements du secteur bancaire", "@debut": "2005-08-25" }, { "@id": "LEGISCTA000029723044", "@fin": "2999-01-01", "#text": "Titre Ier : Prestataires de services bancaires", "@debut": "2014-11-06" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006123547", "@fin": "2999-01-01", "#text": "Livre V : Les prestataires de services", "@debut": "2005-08-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006100807", "@fin": "2999-01-01", "#text": "Partie réglementaire", "@debut": "2005-08-25" } ] }, "@cid": "LEGITEXT000006072026", "@nature": "CODE", "TITRE_TXT": [ { "@fin": "2999-01-01", "#text": "Code monétaire et financier", "@debut": "2001-01-01", "@id_txt": "LEGITEXT000006072026", "@c_titre_court": "Code monétaire et financier" } ], "@date_publi": "2999-01-01", "@date_signature": "2999-01-01" } }, "VERSIONS": { "VERSION": [ { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006684783", "@fin": "2007-05-10", "@num": "R515-2", "@etat": "MODIFIE", "@debut": "2005-08-25", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006684784", "@fin": "2014-01-01", "@num": "R515-2", "@etat": "MODIFIE", "@debut": "2007-05-10", "@origine": "LEGI" } }, { "@etat": "TRANSFERE", "LIEN_ART": { "@id": "LEGIARTI000027653025", "@fin": "2014-11-06", "@num": "R515-2", "@etat": "TRANSFERE", "@debut": "2014-01-01", "@origine": "LEGI" } }, { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000029723182", "@fin": "2999-01-01", "@num": "R515-2", "@etat": "VIGUEUR", "@debut": "2014-11-06", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "
I. - Un prêt garanti au sens de l'article L. 515-14 ne peut être refinancé par des ressources privilégiées que dans la limite du plus petit des montants ci-dessous :
\n
1. Le montant du capital restant dû de ce prêt ;
\n
2. Le produit de la quotité de financement définie au II et de la valeur du bien financé ou apporté en garantie.
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II. - La quotité mentionnée au 2 du I est égale à :
\n
1. 60 % de la valeur du bien financé pour les prêts cautionnés ou du bien apporté en garantie pour les prêts hypothécaires ;
\n
2. 80 % de la valeur du bien pour les prêts garantis figurant à l'actif de la société de crédit foncier consentis à des personnes physiques pour financer la construction ou l'acquisition de logements ou pour financer à la fois l'acquisition d'un terrain à bâtir et le coût des travaux de construction de logements.
\n
3. 100 % de la valeur du bien apporté en garantie, pour les prêts bénéficiant de la garantie du fonds de garantie à l'accession sociale à la propriété mentionné à l'article L. 312-1 du code de la construction et de l'habitation ou de toute personne qui viendrait à s'y substituer.
\n
Pour l'application du 2, sont assimilés à la construction de logements les travaux ayant pour objet, en vue de la réalisation d'un logement, la création ou la transformation d'une surface habitable, par agrandissement ou par remise en état.
" } }, "LEGIARTI000006684789": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "R515-5", "ETAT": "MODIFIE", "TYPE": "AUTONOME", "DATE_FIN": "2007-05-10", "DATE_DEBUT": "2005-08-25" } }, "META_COMMUN": { "ID": "LEGIARTI000006684789", "URL": "article/LEGI/ARTI/00/00/06/68/47/LEGIARTI000006684789.xml", "NATURE": "Article", "ORIGINE": "LEGI", "ANCIEN_ID": "AERXXXXXXXX515R005AXXXAA" } }, "LIENS": { "LIEN": [ { "@id": "LEGIARTI000006739967", "@num": "5", "#text": "Décret n°99-710 du 3 août 1999 - art. 5 (Ab)", "@sens": "source", "@cidtexte": "JORFTEXT000000396672", "@nortexte": "ECOT9926241D", "@numtexte": "99-710", "@typelien": "CONCORDANCE", "@naturetexte": "DECRET", "@datesignatexte": "1999-08-03" }, { "@id": "LEGIARTI000006739967", "@num": "5", "#text": "Décret n°99-710 du 3 août 1999 - art. 5 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000000396672", "@nortexte": "ECOT9926241D", "@numtexte": "99-710", "@typelien": "CONCORDE", "@naturetexte": "DECRET", "@datesignatexte": "1999-08-03" }, { "@id": "JORFTEXT000000451781", "#text": "Décret 2005-1007 2005-08-02 JORF 25 août 2005", "@sens": "source", "@cidtexte": "JORFTEXT000000451781", "@nortexte": "ECOX0500001D", "@numtexte": "2005-1007", "@typelien": "CODIFICATION", "@naturetexte": "DECRET", "@datesignatexte": "2005-08-02" }, { "@id": "LEGIARTI000006656153", "@num": "L515-14", "#text": "Code monétaire et financier - art. 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L'apport personnel mentionné au 2° du I de l'article L. 515-14 ne peut être inférieur à :
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1° 20 % du prix d'achat du bien immobilier hors frais et taxes s'il s'agit d'un bien à usage professionnel ;
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2° 10 % du prix d'achat du bien immobilier hors frais et taxes s'il s'agit d'un logement ;
\n
3° 5 % du prix d'achat du bien immobilier hors frais et taxes s'il s'agit d'un logement et si l'apport est constitué à partir de dépôts sur un plan contractuel d'épargne logement.
\n
L'apport personnel ne peut être constitué par emprunt.
" } }, "LEGIARTI000006684790": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "R515-5", "ETAT": "MODIFIE", "TYPE": "AUTONOME", "DATE_FIN": "2011-02-26", "DATE_DEBUT": "2007-05-10" } }, "META_COMMUN": { "ID": "LEGIARTI000006684790", "URL": "article/LEGI/ARTI/00/00/06/68/47/LEGIARTI000006684790.xml", "NATURE": "Article", "ORIGINE": "LEGI", "ANCIEN_ID": "AERXXXXXXXX515R005AXXXAB" } }, "LIENS": { "LIEN": [ { "@id": "LEGIARTI000006739967", "@num": "5", "#text": "Décret n°99-710 du 3 août 1999 - art. 5 (Ab)", "@sens": "source", "@cidtexte": "JORFTEXT000000396672", "@nortexte": "ECOT9926241D", "@numtexte": "99-710", "@typelien": "CONCORDANCE", "@naturetexte": "DECRET", "@datesignatexte": "1999-08-03" }, { "@id": "LEGIARTI000006739967", "@num": "5", "#text": "Décret n°99-710 du 3 août 1999 - art. 5 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000000396672", "@nortexte": "ECOT9926241D", "@numtexte": "99-710", "@typelien": "CONCORDE", "@naturetexte": "DECRET", "@datesignatexte": "1999-08-03" }, { "@id": "JORFTEXT000000451781", "#text": "Décret 2005-1007 2005-08-02 JORF 25 août 2005", "@sens": "source", "@cidtexte": "JORFTEXT000000451781", "@nortexte": "ECOX0500001D", "@numtexte": "2005-1007", "@typelien": "CODIFICATION", "@naturetexte": "DECRET", "@datesignatexte": "2005-08-02" }, { "@id": "LEGIARTI000006264004", "@num": "2", "#text": "Décret n°2007-745 du 9 mai 2007 - art. 2 () JORF 10 mai 2007", "@sens": "source", "@cidtexte": "JORFTEXT000000649179", "@nortexte": "ECOT0752665D", "@numtexte": "2007-745", "@typelien": "MODIFICATION", "@naturetexte": "DECRET", "@datesignatexte": "2007-05-09" }, { "@id": "LEGIARTI000006656153", "@num": "L515-14", "#text": "Code monétaire et financier - art. 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Les prêts garantis assortis d'une sûreté immobilière conférant une garantie équivalente au sens du 1 du I de l'article L. 515-14 sont des prêts assortis d'une sûreté qui confère au créancier, quelle que soit la situation juridique du débiteur, le droit de faire procéder à la vente de l'immeuble grevé par cette sûreté dans quelques mains qu'il se trouve et de se faire payer sur le prix de vente par préférence aux autres créanciers.
\n
Les garanties équivalentes au sens de l'article L. 515-16 sont celles qui, selon le droit qui leur est applicable, confèrent aux titulaires des créances qui en sont assorties le droit de percevoir, directement ou indirectement, le remboursement d'un prêt sous-jacent ou d'un ensemble de prêts sous-jacents répondant aux caractéristiques définies au I de l'article L. 515-14 ou à l'article L. 515-15 et le produit de l'exécution des garanties attachées à ces prêts, dans les conditions contractuelles prévues lors de l'octroi de ces prêts. Ce droit doit pouvoir être exercé, même en cas de défaillance du débiteur du prêt sous-jacent ou d'une entité interposée, sans subir le concours d'un autre créancier de rang supérieur à l'exception éventuelle de ceux qui tirent leurs droits de la gestion des créances cédées et des garanties ou de la gestion ou du fonctionnement de l'entité interposée.
" } }, "LEGIARTI000023630706": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "R515-5", "ETAT": "MODIFIE", "TYPE": "AUTONOME", "DATE_FIN": "2014-01-01", "DATE_DEBUT": "2011-02-26" } }, "META_COMMUN": { "ID": "LEGIARTI000023630706", "URL": "article/LEGI/ARTI/00/00/23/63/07/LEGIARTI000023630706.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "LEGIARTI000006739967", "@num": "5", "#text": "Décret n°99-710 du 3 août 1999 - art. 5 (Ab)", "@sens": "source", "@cidtexte": "JORFTEXT000000396672", "@nortexte": "ECOT9926241D", "@numtexte": "99-710", "@typelien": "CONCORDANCE", "@naturetexte": "DECRET", "@datesignatexte": "1999-08-03" }, { "@id": "LEGIARTI000006739967", "@num": "5", "#text": "Décret n°99-710 du 3 août 1999 - art. 5 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000000396672", "@nortexte": "ECOT9926241D", "@numtexte": "99-710", "@typelien": "CONCORDE", "@naturetexte": "DECRET", "@datesignatexte": "1999-08-03" }, { "@id": "JORFTEXT000000451781", "#text": "Décret n°2005-1007 du 2 août 2005", "@sens": "source", "@cidtexte": "JORFTEXT000000451781", "@nortexte": "ECOX0500001D", "@numtexte": "2005-1007", "@typelien": "CODIFICATION", "@naturetexte": "DECRET", "@datesignatexte": "2005-08-02" }, { "@id": "LEGIARTI000023629538", "@num": "1", "#text": "Décret n°2011-205 du 23 février 2011 - art. 1", "@sens": "cible", "@cidtexte": "JORFTEXT000023628333", "@nortexte": "EFIT1032814D", "@numtexte": "2011-205", "@typelien": "MODIFIE", "@naturetexte": "DECRET", "@datesignatexte": "2011-02-23" }, { "@id": "LEGIARTI000006656153", "@num": "L515-14", "#text": "Code monétaire et financier - art. 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Les prêts garantis assortis d'une sûreté immobilière conférant une garantie équivalente au sens du 1 du I de l'article L. 515-14 sont des prêts assortis d'une sûreté qui confère au créancier, quelle que soit la situation juridique du débiteur, le droit de faire procéder à la vente de l'immeuble grevé par cette sûreté dans quelques mains qu'il se trouve et de se faire payer sur le prix de vente sans subir le concours d'un autre créancier de rang supérieur.

\n
\n

Les garanties équivalentes au sens de l'article L. 515-16 sont celles qui, selon le droit qui leur est applicable, confèrent aux titulaires des créances qui en sont assorties le droit de percevoir, directement ou indirectement, le remboursement d'un prêt sous-jacent ou d'un ensemble de prêts sous-jacents répondant aux caractéristiques définies au I de l'article L. 515-14 ou à l'article L. 515-15 et le produit de l'exécution des garanties attachées à ces prêts, dans les conditions contractuelles prévues lors de l'octroi de ces prêts. Ce droit doit pouvoir être exercé, même en cas de défaillance du débiteur du prêt sous-jacent ou d'une entité interposée, sans subir le concours d'un autre créancier de rang supérieur à l'exception éventuelle de ceux qui tirent leurs droits de la gestion des créances cédées et des garanties ou de la gestion ou du fonctionnement de l'entité interposée.

\n
" } }, "LEGIARTI000027653008": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "R515-5", "ETAT": "TRANSFERE", "TYPE": "AUTONOME", "DATE_FIN": "2014-11-06", "DATE_DEBUT": "2014-01-01" } }, "META_COMMUN": { "ID": "LEGIARTI000027653008", "URL": "article/LEGI/ARTI/00/00/27/65/30/LEGIARTI000027653008.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "LEGIARTI000006739967", "@num": "5", "#text": "Décret n°99-710 du 3 août 1999 - art. 5 (Ab)", "@sens": "source", "@cidtexte": "JORFTEXT000000396672", "@nortexte": "ECOT9926241D", "@numtexte": "99-710", "@typelien": "CONCORDANCE", "@naturetexte": "DECRET", "@datesignatexte": "1999-08-03" }, { "@id": "LEGIARTI000006739967", "@num": "5", "#text": "Décret n°99-710 du 3 août 1999 - art. 5 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000000396672", "@nortexte": "ECOT9926241D", "@numtexte": "99-710", "@typelien": "CONCORDE", "@naturetexte": "DECRET", "@datesignatexte": "1999-08-03" }, { "@id": "JORFTEXT000000451781", "#text": "Décret n°2005-1007 du 2 août 2005", "@sens": "source", "@cidtexte": "JORFTEXT000000451781", "@nortexte": "ECOX0500001D", "@numtexte": "2005-1007", "@typelien": "CODIFICATION", "@naturetexte": "DECRET", "@datesignatexte": "2005-08-02" }, { "@id": "LEGIARTI000027619742", "@num": "35", "#text": "Ordonnance n° 2013-544 du 27 juin 2013 - art. 35 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000027617519", "@nortexte": "EFIT1309910R", "@numtexte": "2013-544", "@typelien": "MODIFIE", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2013-06-27" }, { "@id": "LEGIARTI000029702474", "@num": "4", "#text": "DÉCRET n°2014-1315 du 3 novembre 2014 - art. 4", "@sens": "cible", "@cidtexte": "JORFTEXT000029699787", "@nortexte": "FCPT1413681D", "@numtexte": "2014-1315", "@typelien": "TRANSFERE", "@naturetexte": "DECRET", "@datesignatexte": "2014-11-03" }, { "@id": "LEGIARTI000006656153", "@num": "L515-14", "#text": "Code monétaire et financier - art. 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R765-3 (Ab)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000006185244", "@fin": "2014-11-06", "#text": "Sous-section 2 : Opérations.", "@debut": "2005-08-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006169773", "@fin": "2014-11-06", "#text": "Section 4 : Les sociétés de crédit foncier.", "@debut": "2005-08-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006153803", "@fin": "2014-11-06", "#text": "Chapitre V : Les sociétés financières.", "@debut": "2005-08-25" }, { "@id": "LEGISCTA000029723200", "@fin": "2999-01-01", "#text": "Chapitre V : Les sociétés de financement.", "@debut": "2014-11-06" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006139648", "@fin": "2014-11-06", "#text": "Titre Ier : Etablissements du secteur bancaire", "@debut": "2005-08-25" }, { "@id": "LEGISCTA000029723044", "@fin": "2999-01-01", "#text": "Titre Ier : Prestataires de services bancaires", "@debut": "2014-11-06" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006123547", "@fin": "2999-01-01", "#text": "Livre V : Les prestataires de services", "@debut": "2005-08-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006100807", "@fin": "2999-01-01", "#text": "Partie réglementaire", "@debut": "2005-08-25" } ] }, "@cid": "LEGITEXT000006072026", "@nature": "CODE", "TITRE_TXT": [ { "@fin": "2999-01-01", "#text": "Code monétaire et financier", "@debut": "2001-01-01", "@id_txt": "LEGITEXT000006072026", "@c_titre_court": "Code monétaire et financier" } ], "@date_publi": "2999-01-01", "@date_signature": "2999-01-01" } }, "VERSIONS": { "VERSION": [ { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006684789", "@fin": "2007-05-10", "@num": "R515-5", "@etat": "MODIFIE", "@debut": "2005-08-25", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006684790", "@fin": "2011-02-26", "@num": "R515-5", "@etat": "MODIFIE", "@debut": "2007-05-10", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000023630706", "@fin": "2014-01-01", "@num": "R515-5", "@etat": "MODIFIE", "@debut": "2011-02-26", "@origine": "LEGI" } }, { "@etat": "TRANSFERE", "LIEN_ART": { "@id": "LEGIARTI000027653008", "@fin": "2014-11-06", "@num": "R515-5", "@etat": "TRANSFERE", "@debut": "2014-01-01", "@origine": "LEGI" } }, { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000034461517", "@fin": "2999-01-01", "@num": "R515-5", "@etat": "VIGUEUR", "@debut": "2017-04-23", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

Les prêts garantis assortis d'une sûreté immobilière conférant une garantie équivalente au sens du 1 du I de l'article L. 513-3 sont des prêts assortis d'une sûreté qui confère au créancier, quelle que soit la situation juridique du débiteur, le droit de faire procéder à la vente de l'immeuble grevé par cette sûreté dans quelques mains qu'il se trouve et de se faire payer sur le prix de vente sans subir le concours d'un autre créancier de rang supérieur.

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\n

Les garanties équivalentes au sens de l'article L.513-5 sont celles qui, selon le droit qui leur est applicable, confèrent aux titulaires des créances qui en sont assorties le droit de percevoir, directement ou indirectement, le remboursement d'un prêt sous-jacent ou d'un ensemble de prêts sous-jacents répondant aux caractéristiques définies au I de l'article L. 513-3 ou à l'article L. 513-4 et le produit de l'exécution des garanties attachées à ces prêts, dans les conditions contractuelles prévues lors de l'octroi de ces prêts. Ce droit doit pouvoir être exercé, même en cas de défaillance du débiteur du prêt sous-jacent ou d'une entité interposée, sans subir le concours d'un autre créancier de rang supérieur à l'exception éventuelle de ceux qui tirent leurs droits de la gestion des créances cédées et des garanties ou de la gestion ou du fonctionnement de l'entité interposée.

\n
" } }, "LEGIARTI000027653025": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "R515-2", "ETAT": "TRANSFERE", "TYPE": "AUTONOME", "DATE_FIN": "2014-11-06", "DATE_DEBUT": "2014-01-01" } }, "META_COMMUN": { "ID": "LEGIARTI000027653025", "URL": "article/LEGI/ARTI/00/00/27/65/30/LEGIARTI000027653025.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "LEGIARTI000006739963", "@num": "2", "#text": "Décret n°99-710 du 3 août 1999 - art. 2 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000000396672", "@nortexte": "ECOT9926241D", "@numtexte": "99-710", "@typelien": "CONCORDE", "@naturetexte": "DECRET", "@datesignatexte": "1999-08-03" }, { "@id": "JORFTEXT000000451781", "#text": "Décret n°2005-1007 du 2 août 2005", "@sens": "source", "@cidtexte": "JORFTEXT000000451781", "@nortexte": "ECOX0500001D", "@numtexte": "2005-1007", "@typelien": "CODIFICATION", "@naturetexte": "DECRET", "@datesignatexte": "2005-08-02" }, { "@id": "LEGIARTI000027619742", "@num": "35", "#text": "Ordonnance n°2013-544\n du 27 juin 2013 - art. 35 (VD)", "@sens": "cible", "@cidtexte": "JORFTEXT000027617519", "@nortexte": "EFIT1309910R", "@numtexte": "2013-544", "@typelien": "MODIFIE", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2013-06-27" }, { "@id": "LEGIARTI000029702474", "@num": "4", "#text": "DÉCRET n°2014-1315 du 3 novembre 2014 - art. 4", "@sens": "cible", "@cidtexte": "JORFTEXT000029699787", "@nortexte": "FCPT1413681D", "@numtexte": "2014-1315", "@typelien": "TRANSFERE", "@naturetexte": "DECRET", "@datesignatexte": "2014-11-03" }, { "@id": "LEGIARTI000006656153", "@num": "L515-14", "#text": "Code monétaire et financier - art. 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I.-Un prêt garanti au sens de l'article L.513-3 ne peut être refinancé par des ressources privilégiées que dans la limite du plus petit des montants ci-dessous :
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1. Le montant du capital restant dû de ce prêt ;
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2. Le produit de la quotité de financement définie au II et de la valeur du bien financé ou apporté en garantie.
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II.-La quotité mentionnée au 2 du I est égale à :
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1.60 % de la valeur du bien financé pour les prêts cautionnés ou du bien apporté en garantie pour les prêts hypothécaires ;
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2.80 % de la valeur du bien pour les prêts garantis figurant à l'actif de la société de crédit foncier consentis à des personnes physiques pour financer la construction ou l'acquisition de logements ou pour financer à la fois l'acquisition d'un terrain à bâtir et le coût des travaux de construction de logements.
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3.100 % de la valeur du bien apporté en garantie, pour les prêts bénéficiant de la garantie du fonds de garantie à l'accession sociale à la propriété mentionné à l'article L. 312-1 du code de la construction et de l'habitation ou de toute personne qui viendrait à s'y substituer.
\n
Pour l'application du 2, sont assimilés à la construction de logements les travaux ayant pour objet, en vue de la réalisation d'un logement, la création ou la transformation d'une surface habitable, par agrandissement ou par remise en état.
" } }, "LEGIARTI000027874570": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "R515-12", "ETAT": "TRANSFERE", "TYPE": "AUTONOME", "DATE_FIN": "2014-11-06", "DATE_DEBUT": "2013-07-28" } }, "META_COMMUN": { "ID": "LEGIARTI000027874570", "URL": "article/LEGI/ARTI/00/00/27/87/45/LEGIARTI000027874570.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "LEGIARTI000006739971", "@num": "8", "#text": "Décret n°99-710 du 3 août 1999 - art. 8 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000000396672", "@nortexte": "ECOT9926241D", "@numtexte": "99-710", "@typelien": "CONCORDE", "@naturetexte": "DECRET", "@datesignatexte": "1999-08-03" }, { "@id": "LEGIARTI000027757633", "@num": "24", "#text": "LOI n°2013-672\r\n du 26 juillet 2013 - art. 24 (V)", "@sens": "source", "@cidtexte": "JORFTEXT000027754539", "@nortexte": "EFIX1239994L", "@numtexte": "2013-672", "@typelien": "MODIFICATION", "@naturetexte": "LOI", "@datesignatexte": "2013-07-26" }, { "@id": "LEGIARTI000029702474", "@num": "4", "#text": "DÉCRET n°2014-1315 du 3 novembre 2014 - art. 4", "@sens": "cible", "@cidtexte": "JORFTEXT000029699787", "@nortexte": "FCPT1413681D", "@numtexte": "2014-1315", "@typelien": "TRANSFERE", "@naturetexte": "DECRET", "@datesignatexte": "2014-11-03" }, { "@id": "LEGIARTI000006654310", "@num": "L511-10", "#text": "Code monétaire et financier - art. L511-10", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000029714253", "@num": "R513-15", "#text": "Code monétaire et financier - art. R513-15 (V)", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CONCORDE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000028972737", "@num": "R515-15", "#text": "Code monétaire et financier - art. R515-15 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000034458731", "@num": "R515-18", "#text": "Code monétaire et financier - art. R515-18 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000006185246", "@fin": "2014-11-06", "#text": "Sous-section 6 : Contrôles.", "@debut": "2005-08-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006169773", "@fin": "2014-11-06", "#text": "Section 4 : Les sociétés de crédit foncier.", "@debut": "2005-08-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006153803", "@fin": "2014-11-06", "#text": "Chapitre V : Les sociétés financières.", "@debut": "2005-08-25" }, { "@id": "LEGISCTA000029723200", "@fin": "2999-01-01", "#text": "Chapitre V : Les sociétés de financement.", "@debut": "2014-11-06" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006139648", "@fin": "2014-11-06", "#text": "Titre Ier : Etablissements du secteur bancaire", "@debut": "2005-08-25" }, { "@id": "LEGISCTA000029723044", "@fin": "2999-01-01", "#text": "Titre Ier : Prestataires de services bancaires", "@debut": "2014-11-06" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006123547", "@fin": "2999-01-01", "#text": "Livre V : Les prestataires de services", "@debut": "2005-08-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006100807", "@fin": "2999-01-01", "#text": "Partie réglementaire", "@debut": "2005-08-25" } ] }, "@cid": "LEGITEXT000006072026", "@nature": "CODE", "TITRE_TXT": [ { "@fin": "2999-01-01", "#text": "Code monétaire et financier", "@debut": "2001-01-01", "@id_txt": "LEGITEXT000006072026", "@c_titre_court": "Code monétaire et financier" } ], "@date_publi": "2999-01-01", "@date_signature": "2999-01-01" } }, "VERSIONS": { "VERSION": [ { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006684798", "@fin": "2010-01-23", "@num": "R515-12", "@etat": "MODIFIE", "@debut": "2005-08-25", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000021905136", "@fin": "2010-03-09", "@num": "R515-12", "@etat": "MODIFIE", "@debut": "2010-01-23", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000021939194", "@fin": "2013-07-28", "@num": "R515-12", "@etat": "MODIFIE", "@debut": "2010-03-09", "@origine": "LEGI" } }, { "@etat": "TRANSFERE", "LIEN_ART": { "@id": "LEGIARTI000027874570", "@fin": "2014-11-06", "@num": "R515-12", "@etat": "TRANSFERE", "@debut": "2013-07-28", "@origine": "LEGI" } }, { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000034461539", "@fin": "2999-01-01", "@num": "R515-12", "@etat": "VIGUEUR", "@debut": "2017-04-23", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

Lorsque, en application de l'article L. 511-10, une société sollicite de l'Autorité de contrôle prudentiel et de résolution l'agrément nécessaire à l'obtention de la qualité de société de crédit foncier, elle indique à l'Autorité le nom des contrôleurs spécifiques, titulaire et suppléant, qu'elle propose de nommer.

En cas d'avis non conforme de l'Autorité de contrôle prudentiel et de résolution, les dirigeants de la société de crédit foncier doivent immédiatement lui proposer un autre nom.

" } }, "LEGIARTI000028970986": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "1", "TYPE": "ENTIEREMENT_MODIF", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2999-01-01" } }, "META_COMMUN": { "ID": "LEGIARTI000028970986", "URL": "article/LEGI/ARTI/00/00/28/97/09/LEGIARTI000028970986.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "LEGIARTI000028972415", "@num": "R515-11-2", "#text": "Code monétaire et financier - art. R515-11-2 (T)", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CREE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000028972737", "@num": "R515-15", "#text": "Code monétaire et financier - art. R515-15 (V)", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000028972733", "@num": "R515-16", "#text": "Code monétaire et financier - art. R515-16 (V)", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000028972765", "@num": "R515-4", "#text": "Code monétaire et financier - art. R515-4 (V)", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000028972758", "@num": "R515-7", "#text": "Code monétaire et financier - art. R515-7 (V)", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000028972752", "@num": "R515-7-1", "#text": "Code monétaire et financier - art. R515-7-1 (T)", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000028972747", "@num": "R515-7-2", "#text": "Code monétaire et financier - art. R515-7-2 (T)", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "@cid": "JORFTEXT000028970057", "@nor": "FCPT1328401D", "@num": "2014-526", "@nature": "DECRET", "TITRE_TXT": [ { "@fin": "2999-01-01", "#text": "Décret n° 2014-526 du 23 mai 2014 relatif au régime prudentiel des sociétés de crédit foncier et des sociétés de financement de l'habitat", "@debut": "2999-01-01", "@id_txt": "JORFTEXT000028970057", "@c_titre_court": "Décret n°2014-526 du 23 mai 2014" }, { "@fin": "2999-01-01", "#text": "Décret n° 2014-526 du 23 mai 2014 relatif au régime prudentiel des sociétés de crédit foncier et des sociétés de financement de l'habitat", "@debut": "2014-05-26", "@id_txt": "LEGITEXT000028970985", "@c_titre_court": "Décret n°2014-526 du 23 mai 2014" } ], "@ministere": "Ministère des finances et des comptes publics", "@date_publi": "2014-05-25", "@date_signature": "2014-05-23" } }, "VERSIONS": { "VERSION": [ { "LIEN_ART": { "@id": "LEGIARTI000028970986", "@fin": "2999-01-01", "@num": "1", "@debut": "2999-01-01", "@origine": "LEGI" } }, { "LIEN_ART": { "@id": "JORFARTI000028970058", "@fin": "2999-01-01", "@num": "1", "@debut": "2999-01-01", "@origine": "JORF" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "
A modifié les dispositions suivantes :

- Code monétaire et financier
\n Art. R515-4, Art. R515-7, Art. R515-7-1, Art. R515-7-2, Art. R515-11-2, Art. R515-15, Art. R515-16\n
\n

\n
" } }, "LEGIARTI000028972758": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "R515-7", "ETAT": "TRANSFERE", "TYPE": "AUTONOME", "DATE_FIN": "2014-11-06", "DATE_DEBUT": "2014-05-26" } }, "META_COMMUN": { "ID": "LEGIARTI000028972758", "URL": "article/LEGI/ARTI/00/00/28/97/27/LEGIARTI000028972758.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "NOTA": { "CONTENU": "

(1) En application de l'article 4 de l'ordonnance n° 2013-544 du 27 juin 2013, l'article L. 515-13 du code monétaire et financier est devenu l'article L. 513-2 de ce code.

" }, "LIENS": { "LIEN": [ { "@id": "LEGIARTI000006739970", "@num": "7", "#text": "Décret n°99-710 du 3 août 1999 - art. 7 (Ab)", "@sens": "source", "@cidtexte": "JORFTEXT000000396672", "@nortexte": "ECOT9926241D", "@numtexte": "99-710", "@typelien": "CONCORDANCE", "@naturetexte": "DECRET", "@datesignatexte": "1999-08-03" }, { "@id": "LEGIARTI000006739970", "@num": "7", "#text": "Décret n°99-710 du 3 août 1999 - art. 7 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000000396672", "@nortexte": "ECOT9926241D", "@numtexte": "99-710", "@typelien": "CONCORDE", "@naturetexte": "DECRET", "@datesignatexte": "1999-08-03" }, { "@id": "LEGIARTI000028970986", "@num": "1", "#text": "Décret n°2014-526\n du 23 mai 2014 - art. 1", "@sens": "cible", "@cidtexte": "JORFTEXT000028970057", "@nortexte": "FCPT1328401D", "@numtexte": "2014-526", "@typelien": "MODIFIE", "@naturetexte": "DECRET", "@datesignatexte": "2014-05-23" }, { "@id": "LEGIARTI000029702474", "@num": "4", "#text": "DÉCRET n°2014-1315 du 3 novembre 2014 - art. 4", "@sens": "cible", "@cidtexte": "JORFTEXT000029699787", "@nortexte": "FCPT1413681D", "@numtexte": "2014-1315", "@typelien": "TRANSFERE", "@naturetexte": "DECRET", "@datesignatexte": "2014-11-03" }, { "@id": "LEGIARTI000045888063", "@num": "2", "#text": "Décret n°2022-872 du 8 juin 2022 - art. 2 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000045887184", "@nortexte": "EAEX2216449D", "@numtexte": "2022-872", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2022-06-08" }, { "@id": "LEGITEXT000049247926", "#text": "Décret n°2024-196 du 6 mars 2024 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000049247045", "@nortexte": "EAEX2404973D", "@numtexte": "2024-196", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2024-03-06" }, { "@id": "LEGIARTI000049247938", "@num": "2", "#text": "Décret n°2024-196 du 6 mars 2024 - art. 2 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000049247045", "@nortexte": "EAEX2404973D", "@numtexte": "2024-196", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2024-03-06" }, { "@id": "LEGITEXT000050476551", "#text": "Décret n°2024-992 du 7 novembre 2024 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000050475209", "@nortexte": "EAEX2428041D", "@numtexte": "2024-992", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2024-11-07" }, { "@id": "LEGIARTI000050476560", "@num": "1", "#text": "Décret n°2024-992 du 7 novembre 2024 - art. 1 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000050475209", "@nortexte": "EAEX2428041D", "@numtexte": "2024-992", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2024-11-07" }, { "@id": "LEGIARTI000006654764", "@num": "L511-44", "#text": "Code monétaire et financier - art. L511-44", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006656132", "@num": "L515-13", "#text": "Code monétaire et financier - art. L515-13", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006656194", "@num": "L515-17", "#text": "Code monétaire et financier - art. L515-17", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006656200", "@num": "L515-18", "#text": "Code monétaire et financier - art. L515-18", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000029714183", "@num": "R513-6", "#text": "Code monétaire et financier - art. R513-6 (V)", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CONCORDE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000028972737", "@num": "R515-15", "#text": "Code monétaire et financier - art. R515-15 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000027653043", "@num": "R515-16", "#text": "Code monétaire et financier - art. R515-16 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000006185244", "@fin": "2014-11-06", "#text": "Sous-section 2 : Opérations.", "@debut": "2005-08-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006169773", "@fin": "2014-11-06", "#text": "Section 4 : Les sociétés de crédit foncier.", "@debut": "2005-08-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006153803", "@fin": "2014-11-06", "#text": "Chapitre V : Les sociétés financières.", "@debut": "2005-08-25" }, { "@id": "LEGISCTA000029723200", "@fin": "2999-01-01", "#text": "Chapitre V : Les sociétés de financement.", "@debut": "2014-11-06" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006139648", "@fin": "2014-11-06", "#text": "Titre Ier : Etablissements du secteur bancaire", "@debut": "2005-08-25" }, { "@id": "LEGISCTA000029723044", "@fin": "2999-01-01", "#text": "Titre Ier : Prestataires de services bancaires", "@debut": "2014-11-06" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006123547", "@fin": "2999-01-01", "#text": "Livre V : Les prestataires de services", "@debut": "2005-08-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006100807", "@fin": "2999-01-01", "#text": "Partie réglementaire", "@debut": "2005-08-25" } ] }, "@cid": "LEGITEXT000006072026", "@nature": "CODE", "TITRE_TXT": [ { "@fin": "2999-01-01", "#text": "Code monétaire et financier", "@debut": "2001-01-01", "@id_txt": "LEGITEXT000006072026", "@c_titre_court": "Code monétaire et financier" } ], "@date_publi": "2999-01-01", "@date_signature": "2999-01-01" } }, "VERSIONS": { "VERSION": [ { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006684794", "@fin": "2007-05-10", "@num": "R515-7", "@etat": "MODIFIE", "@debut": "2005-08-25", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006684795", "@fin": "2010-01-23", "@num": "R515-7", "@etat": "MODIFIE", "@debut": "2007-05-10", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000021943280", "@fin": "2011-02-26", "@num": "R515-7", "@etat": "MODIFIE", "@debut": "2010-01-23", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000023630700", "@fin": "2013-07-28", "@num": "R515-7", "@etat": "MODIFIE", "@debut": "2011-02-26", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000027874539", "@fin": "2014-01-01", "@num": "R515-7", "@etat": "MODIFIE", "@debut": "2013-07-28", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000027653069", "@fin": "2014-05-26", "@num": "R515-7", "@etat": "MODIFIE", "@debut": "2014-01-01", "@origine": "LEGI" } }, { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000034461619", "@fin": "2999-01-01", "@num": "R515-7", "@etat": "VIGUEUR", "@debut": "2017-04-23", "@origine": "LEGI" } }, { "@etat": "TRANSFERE", "LIEN_ART": { "@id": "LEGIARTI000028972758", "@fin": "2014-11-06", "@num": "R515-7", "@etat": "TRANSFERE", "@debut": "2014-05-26", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

Pour l'application de l'article L. 513-7, sont regardés comme suffisamment sûrs et liquides les titres, valeurs et dépôts dont sont débiteurs des établissements de crédit ou entreprises d'investissement bénéficiant du meilleur échelon de qualité de crédit établi par un organisme externe d'évaluation de crédit reconnu par l'Autorité de contrôle prudentiel et de résolution en application des dispositions de l'article L. 511-44 ou qui sont garantis par des établissements de crédit ou entreprises d'investissement du même échelon de qualité de crédit. Le montant total de ces valeurs de remplacement ne peut excéder 15 % du montant nominal des obligations foncières et autres ressources bénéficiant du privilège mentionné au 2 du I de l'article L. 515-13 (1), émises par la société de crédit foncier.

Les créances liées au paiement ou à la gestion des sommes dues au titre des prêts, contrats ou des différents titres, valeurs, parts et instruments financiers à terme, mentionnés à l'article L.513-10 ou les garanties reçues des établissements de crédit pour couvrir ces actifs et inscrites au bilan ou au hors bilan de la société de crédit foncier, ainsi que les expositions liées à la liquidation de ces prêts, contrats, titres, valeurs et parts ne sont pas prises en compte dans le calcul de cette limite.

Lorsque leur échéance résiduelle ne dépasse pas cent jours, les créances sur les établissements de crédit ou entreprises d'investissement établis dans un Etat membre de la Communauté européenne ou partie à l'accord sur l'Espace économique européen sont également reconnues comme titres, valeurs et dépôts suffisamment sûrs et liquides lorsqu'elles bénéficient du second meilleur échelon de qualité de crédit établi par un organisme externe d'évaluation de crédit reconnu par l'Autorité de contrôle prudentiel et de résolution en application des dispositions de l'article L. 511-44 ou qu'elles sont garanties par des établissements de crédit ou entreprises d'investissement du même échelon de qualité de crédit.

Pour l'appréciation de la qualité de crédit mentionnée aux premier et troisième alinéas ci-dessus, la notation prise en compte est celle correspondant à la durée d'échéance résiduelle des expositions que les sociétés de crédit foncier détiennent sur les établissements de crédit ou les entreprises d'investissement en cause.

" } }, "LEGIARTI000028972765": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "R515-4", "ETAT": "TRANSFERE", "TYPE": "AUTONOME", "DATE_FIN": "2014-11-06", "DATE_DEBUT": "2014-05-26" } }, "META_COMMUN": { "ID": "LEGIARTI000028972765", "URL": "article/LEGI/ARTI/00/00/28/97/27/LEGIARTI000028972765.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "NOTA": { "CONTENU": "

(1) En application de l'article 4 de l'ordonnance n° 2013-544 du 27 juin 2013, l'article L. 515-13 du code monétaire et financier est devenu l'article L. 513-2 de ce code.

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L214-169", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000027622551", "@num": "L513-5", "#text": "Code monétaire et financier - art. L513-5", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006656132", "@num": "L515-13", "#text": "Code monétaire et financier - art. L515-13", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006656153", "@num": "L515-14", "#text": "Code monétaire et financier - art. L515-14", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006656158", "@num": "L515-15", "#text": "Code monétaire et financier - art. L515-15", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006656174", "@num": "L515-16", "#text": "Code monétaire et financier - art. L515-16", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006656351", "@num": "L515-30", "#text": "Code monétaire et financier - art. L515-30", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006685019", "@num": "R*516-22", "#text": "Code monétaire et financier - art. R*516-22 (T)", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006682775", "@num": "R214-220", "#text": "Code monétaire et financier - art. R214-220", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000029714155", "@num": "R513-3", "#text": "Code monétaire et financier - art. R513-3 (Ab)", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CONCORDE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000028972737", "@num": "R515-15", "#text": "Code monétaire et financier - art. R515-15 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006684783", "@num": "R515-2", "#text": "Code monétaire et financier - art. R515-2", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000026838259", "@num": "R745-2-1", "#text": "Code monétaire et financier - art. R745-2-1 (M)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000026842693", "@num": "R755-2-1", "#text": "Code monétaire et financier - art. R755-2-1 (M)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000006185244", "@fin": "2014-11-06", "#text": "Sous-section 2 : Opérations.", "@debut": "2005-08-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006169773", "@fin": "2014-11-06", "#text": "Section 4 : Les sociétés de crédit foncier.", "@debut": "2005-08-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006153803", "@fin": "2014-11-06", "#text": "Chapitre V : Les sociétés financières.", "@debut": "2005-08-25" }, { "@id": "LEGISCTA000029723200", "@fin": "2999-01-01", "#text": "Chapitre V : Les sociétés de financement.", "@debut": "2014-11-06" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006139648", "@fin": "2014-11-06", "#text": "Titre Ier : Etablissements du secteur bancaire", "@debut": "2005-08-25" }, { "@id": "LEGISCTA000029723044", "@fin": "2999-01-01", "#text": "Titre Ier : Prestataires de services bancaires", "@debut": "2014-11-06" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006123547", "@fin": "2999-01-01", "#text": "Livre V : Les prestataires de services", "@debut": "2005-08-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006100807", "@fin": "2999-01-01", "#text": "Partie réglementaire", "@debut": "2005-08-25" } ] }, "@cid": "LEGITEXT000006072026", "@nature": "CODE", "TITRE_TXT": [ { "@fin": "2999-01-01", "#text": "Code monétaire et financier", "@debut": "2001-01-01", "@id_txt": "LEGITEXT000006072026", "@c_titre_court": "Code monétaire et financier" } ], "@date_publi": "2999-01-01", "@date_signature": "2999-01-01" } }, "VERSIONS": { "VERSION": [ { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006684787", "@fin": "2007-05-10", "@num": "R515-4", "@etat": "MODIFIE", "@debut": "2005-08-25", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006684788", "@fin": "2008-07-20", "@num": "R515-4", "@etat": "MODIFIE", "@debut": "2007-05-10", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000019236944", "@fin": "2010-01-23", "@num": "R515-4", "@etat": "MODIFIE", "@debut": "2008-07-20", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000021943255", "@fin": "2011-03-07", "@num": "R515-4", "@etat": "MODIFIE", "@debut": "2010-01-23", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000023676810", "@fin": "2013-07-31", "@num": "R515-4", "@etat": "MODIFIE", "@debut": "2011-03-07", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000027799191", "@fin": "2014-01-01", "@num": "R515-4", "@etat": "MODIFIE", "@debut": "2013-07-31", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000027653014", "@fin": "2014-05-26", "@num": "R515-4", "@etat": "MODIFIE", "@debut": "2014-01-01", "@origine": "LEGI" } }, { "@etat": "TRANSFERE", "LIEN_ART": { "@id": "LEGIARTI000028972765", "@fin": "2014-11-06", "@num": "R515-4", "@etat": "TRANSFERE", "@debut": "2014-05-26", "@origine": "LEGI" } }, { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000029784960", "@fin": "2999-01-01", "@num": "R515-4", "@etat": "VIGUEUR", "@debut": "2014-11-06", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

I.-Les parts ou titres de créances émis par un organisme de titrisation ou une entité similaire mentionnés à l'article L. 513-5 ne peuvent être refinancés par des ressources privilégiées que dans la limite du plus petit des montants ci-dessous :

1. L'encours des parts ou titres émis par cet organisme de titrisation ou entité similaire et détenus par la société de crédit foncier, à l'exclusion des parts spécifiques et titres de créances supportant le risque de défaillance des débiteurs ;

2. La somme des capitaux restant dus des prêts à l'actif de cet organisme de titrisation ou entité similaire, majorée des liquidités de cet organisme de titrisation ou entité similaire définies à l'article R. 214-220 ;

3. Le produit de la valeur des biens financés ou apportés en garantie des prêts figurant à l'actif de l'organisme de titrisation ou de l'entité similaire par les quotités visées à l'article R. 515-2 en fonction de la nature de l'actif du fonds. Ce produit est majoré des liquidités de l'organisme de titrisation ou entité similaire définies à l'article R. 214-220.

Ces montants sont ceux constatés lors du lancement de l'organisme de titrisation ou de l'entité similaire, le cas échéant lors d'un rechargement ultérieur ou lors de l'inscription des parts ou titres à l'actif de la société de crédit foncier.

II.-Les parts ou titres mentionnés à l'article L. 513-5 émis par des organismes de titrisation ou entités similaires mentionnées audit article, dont l'actif est constitué à au moins 90 % de prêts consentis à des personnes physiques pour financer la construction ou l'acquisition de logement ou pour financer à la fois l'acquisition d'un terrain à bâtir et le coût des travaux de construction de logement tels que mentionnés au troisième alinéa de l'article R. 515-2, ne peuvent être refinancés par des obligations foncières, et autres ressources bénéficiant du privilège mentionnées au 2 du I de l'article L. 515-13 (1), émises par la société de crédit foncier, que dans la limite de 10 % du montant nominal des obligations foncières et autres ressources privilégiées.

III.-Les parts ou titres mentionnés à l'article L. 513-5 émis par des organismes de titrisation ou entités similaires mentionnées audit article, dont l'actif est constitué à au moins 90 % de prêts mentionnés à l'article L. 513-3 et qui ne relèvent pas du II ci-dessus, ne peuvent être refinancés par des obligations foncières et autres ressources bénéficiant du privilège mentionnées au 2 du I de l'article L. 515-13 (1), émises par la société de crédit foncier, que dans la limite de 10 % du montant nominal des obligations foncières et autres ressources privilégiées.

IV.-Jusqu'au 31 décembre 2017, la limite de 10 %, mentionnée aux II et III ci-dessus, n'est pas applicable à la double condition que :

a) Les prêts qui constituent au moins 90 % de l'actif de l'organisme de titrisation ou de l'entité similaire visée à l'article L. 513-5 aient été cédés par une société appartenant au même groupe, ou par un organisme affilié au même organe central, que la société de crédit foncier émettrice des obligations foncières, cette participation ou affiliation étant déterminée au moment où les parts ou titres mentionnés à l'article L. 513-5 sont constitués en sûreté pour les obligations foncières ;

b) Une société appartenant au même groupe ou un organisme affilié au même organe central que la société de crédit foncier émettrice des obligations foncières conserve la totalité des parts subordonnées aux autres types de parts, conformément aux modalités prévues à l'article L. 214-169.

V.-Au cas où les parts ou titres de créances émis par un organisme de titrisation ou une entité similaire mentionnés à l'article L. 513-5 ont été financés par la société de crédit foncier au moyen de ressources privilégiées, le contrôleur spécifique mentionné à l'article L. 513-23 veille à ce que les actifs sous-jacents à ces parts ou titres de créances soient, à tout moment, constitués, à hauteur de 90 % au moins, de créances de même nature que celles mentionnées aux articles L. 513-3 et L. 513-4 et à ce que ces parts ou titres de créances ne dépassent pas les limites fixées aux II et III.

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Article R515-15 AUTONOME TRANSFERE, en vigueur du 26/05/2014 au 06/11/2014 (Code monétaire et financier)