{ "article": { "LEGIARTI000032303339": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L314-4", "ETAT": "VIGUEUR", "TYPE": "AUTONOME", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2016-10-01" } }, "META_COMMUN": { "ID": "LEGIARTI000032303339", "URL": "article/LEGI/ARTI/00/00/32/30/33/LEGIARTI000032303339.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "#text": "Ordonnance n°2016-301 du 14 mars 2016 - art.", "@sens": "source", "@cidtexte": "JORFTEXT000032209352", "@typelien": "CODIFICATION" }, { "@id": "LEGIARTI000032297604", "@num": "4", "#text": "Ordonnance n°2016-351 du 25 mars 2016 - art. 4", "@sens": "cible", "@cidtexte": "JORFTEXT000032294277", "@nortexte": "FCPT1520257R", "@numtexte": "2016-351", "@typelien": "MODIFIE", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2016-03-25" }, { "@id": "LEGIARTI000032221987", "@num": "L312-7", "#text": "Code de la consommation - art. L312-7 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000022435122", "@num": "L313-1", "#text": "Code de la consommation - art. L313-1 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000022435122", "@num": "L313-1", "#text": "Code de la consommation - art. L313-1, alinéa 5 (VT)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000027760588", "@num": "L313-2-1", "#text": "Code de la consommation - art. L313-2-1 (Ab)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032222235", "@num": "L313-8", "#text": "Code de la consommation - art. L313-8 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032222337", "@num": "L314-1", "#text": "Code de la consommation - art. L314-1 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000038782743", "@num": "L313-4", "#text": "Code monétaire et financier - art. L313-4 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "PILOTE_SUIVEUR", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000032228043", "@fin": "2999-01-01", "#text": "Sous-section 1 : Taux effectif global", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032228035", "@fin": "2999-01-01", "#text": "Section 1 : Taux d'intérêt", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032228031", "@fin": "2999-01-01", "#text": "Chapitre IV : Dispositions communes au crédit à la consommation et au crédit immobilier", "@debut": "2016-03-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032226220", "@fin": "2999-01-01", "#text": "Titre Ier : OPÉRATIONS DE CRÉDIT", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032226222", "@fin": "2999-01-01", "#text": "Livre III : CRÉDIT", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032227360", "@fin": "2999-01-01", "#text": "Partie législative nouvelle", "@debut": "2016-07-01" } ] }, "@cid": "LEGITEXT000006069565", "@nature": "CODE", "TITRE_TXT": [ { "@fin": "2999-01-01", "#text": "Code de la consommation", "@debut": "1993-07-27", "@id_txt": "LEGITEXT000006069565", "@c_titre_court": "Code de la consommation" } ], "@date_publi": "2999-01-01", "@date_signature": "2999-01-01" } }, "VERSIONS": { "VERSION": [ { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000032225830", "@fin": "2016-10-01", "@num": "L314-4", "@etat": "MODIFIE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000032303339", "@fin": "2999-01-01", "@num": "L314-4", "@etat": "VIGUEUR", "@debut": "2016-10-01", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

Un décret en Conseil d'Etat précise les conditions d'application des articles L. 314-1 à L. 314-3 et notamment les modalités de détermination de l'assiette et de calcul du taux effectif global, ainsi que les modalités de calcul du taux annuel effectif de l'assurance mentionné aux articles L. 312-7 et L. 313-8.

" } }, "LEGIARTI000022435122": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L313-1", "ETAT": "ABROGE", "TYPE": "AUTONOME", "DATE_FIN": "2016-10-01", "DATE_DEBUT": "2011-05-01" } }, "META_COMMUN": { "ID": "LEGIARTI000022435122", "URL": "article/LEGI/ARTI/00/00/22/43/51/LEGIARTI000022435122.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "LEGIARTI000031063834", "@num": "26-5", "#text": "Loi n° 65-557 du 10 juillet 1965 - art. 26-5 (M)", "@sens": "cible", "@cidtexte": "JORFTEXT000000880200", "@numtexte": "65-557", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "1965-07-10" }, { "@id": "LEGIARTI000006507951", "@num": "3", "#text": "Loi n°66-1010 du 28 décembre 1966 - art. 3 (M)", "@sens": "source", "@cidtexte": "JORFTEXT000000880208", "@numtexte": "66-1010", "@typelien": "CONCORDANCE", "@naturetexte": "LOI", "@datesignatexte": "1966-12-28" }, { "@id": "LEGIARTI000006507952", "@num": "3", "#text": "Loi n°66-1010 du 28 décembre 1966 - art. 3 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000000880208", "@numtexte": "66-1010", "@typelien": "CONCORDE", "@naturetexte": "LOI", "@datesignatexte": "1966-12-28" }, { "@id": "LEGIARTI000006508962", "@num": "37", "#text": "Loi n°79-596 du 13 juillet 1979 - art. 37 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000000886678", "@numtexte": "79-596", "@typelien": "CONCORDE", "@naturetexte": "LOI", "@datesignatexte": "1979-07-13" }, { "@id": "LEGIARTI000022420589", "@num": "12", "#text": "LOI n°2010-737\n du 1er juillet 2010 - art. 12", "@sens": "cible", "@cidtexte": "JORFTEXT000022419094", "@nortexte": "ECEX0906890L", "@numtexte": "2010-737", "@typelien": "MODIFIE", "@naturetexte": "LOI", "@datesignatexte": "2010-07-01" }, { "@id": "LEGIARTI000022420597", "@num": "16", "#text": "LOI n°2010-737\n du 1er juillet 2010 - art. 16", "@sens": "cible", "@cidtexte": "JORFTEXT000022419094", "@nortexte": "ECEX0906890L", "@numtexte": "2010-737", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2010-07-01" }, { "@id": "LEGIARTI000022755145", "@num": "3", "#text": "Décret n°2010-1005\n du 30 août 2010 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000022753156", "@nortexte": "ECET1019342D", "@numtexte": "2010-1005", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2010-08-30" }, { "@id": "LEGIARTI000029308862", "@num": "2", "#text": "LOI n° 2014-844 du 29 juillet 2014 - art. 2 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000029307742", "@nortexte": "FCPX1407802L", "@numtexte": "2014-844", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2014-07-29" }, { "@id": "LEGIARTI000032216175", "@num": "34", "#text": "Ordonnance n°2016-301 du 14 mars 2016 - art. 34 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000032209352", "@nortexte": "EINC1602822R", "@numtexte": "2016-301", "@typelien": "ABROGE", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2016-03-14" }, { "@id": "LEGIARTI000006298135", "@num": "46 AP", "#text": "CODE GENERAL DES IMPOTS ANNEXE 3, CGIAN3. - art. 46 AP (P)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069574", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006298145", "@num": "46 AU", "#text": "CODE GENERAL DES IMPOTS ANNEXE 3, CGIAN3. - art. 46 AU (P)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069574", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006298146", "@num": "46 AV", "#text": "CODE GENERAL DES IMPOTS ANNEXE 3, CGIAN3. - art. 46 AV (P)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069574", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006292084", "@num": "L121-23", "#text": "Code de la consommation - art. L121-23 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000027783151", "@num": "L312-8", "#text": "Code de la consommation - art. L312-8 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000028748108", "@num": "L312-9", "#text": "Code de la consommation - art. L312-9 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000028748955", "@num": "L313-2", "#text": "Code de la consommation - art. L313-2 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303351", "@num": "L314-1", "#text": "Code de la consommation - art. L314-1 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303347", "@num": "L314-2", "#text": "Code de la consommation - art. L314-2 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225834", "@num": "L314-2", "#text": "Code de la consommation - art. L314-2 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303343", "@num": "L314-3", "#text": "Code de la consommation - art. L314-3 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225832", "@num": "L314-3", "#text": "Code de la consommation - art. L314-3 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303339", "@num": "L314-4", "#text": "Code de la consommation - art. L314-4 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225830", "@num": "L314-4", "#text": "Code de la consommation - art. L314-4 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000031063855", "@num": "L314-5", "#text": "Code de la consommation - art. L314-5 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000029404493", "@num": "L315-5", "#text": "Code de la consommation - art. L315-5 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000029598074", "@num": "R313-5-1", "#text": "Code de la consommation - art. R313-5-1 (Ab)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032546424", "@num": "R313-5-2", "#text": "Code de la consommation - art. R313-5-2 (MMN)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006298153", "@num": "46 AZ", "#text": "Code général des impôts, annexe III, CGIANIII. - art. 46 AZ (P)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069574", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000030054066", "@num": "L312-1-1", "#text": "Code monétaire et financier - art. L312-1-1 (M)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006652126", "@num": "L313-17", "#text": "Code monétaire et financier - art. 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Dans tous les cas, pour la détermination du taux effectif global du prêt, comme pour celle du taux effectif pris comme référence, sont ajoutés aux intérêts les frais, commissions ou rémunérations de toute nature, directs ou indirects, y compris ceux qui sont payés ou dus à des intermédiaires intervenus de quelque manière que ce soit dans l'octroi du prêt, même si ces frais, commissions ou rémunérations correspondent à des débours réels.

\n
\n

Toutefois, pour l'application des articles L. 312-4 à L. 312-8, les charges liées aux garanties dont les crédits sont éventuellement assortis ainsi que les honoraires d'officiers ministériels ne sont pas compris dans le taux effectif global défini ci-dessus, lorsque leur montant ne peut être indiqué avec précision antérieurement à la conclusion définitive du contrat.

Pour les contrats de crédit entrant dans le champ d'application du chapitre Ier du présent titre, le taux effectif global, qui est dénommé \"Taux annuel effectif global\", ne comprend pas les frais d'acte notarié.

En outre, pour les prêts qui font l'objet d'un amortissement échelonné, le taux effectif global doit être calculé en tenant compte des modalités de l'amortissement de la créance.

\n
\n

Un décret en Conseil d'Etat déterminera les conditions d'application du présent article.

\n
" } }, "LEGIARTI000032225836": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L314-1", "ETAT": "MODIFIE", "TYPE": "AUTONOME", "DATE_FIN": "2016-10-01", "DATE_DEBUT": "2016-07-01" } }, "META_COMMUN": { "ID": "LEGIARTI000032225836", "URL": "article/LEGI/ARTI/00/00/32/22/58/LEGIARTI000032225836.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "LEGIARTI000034073117", "@num": "26-5", "#text": "Loi n° 65-557 du 10 juillet 1965 - art. 26-5 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000000880200", "@numtexte": "65-557", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "1965-07-10" }, { "@id": "LEGIARTI000032216177", "#text": "Ordonnance n°2016-301 du 14 mars 2016 - art.", "@sens": "source", "@cidtexte": "JORFTEXT000032209352", "@nortexte": "EINC1602822R", "@numtexte": "2016-301", "@typelien": "CODIFICATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2016-03-14" }, { "@id": "LEGIARTI000032216177", "#text": "Ordonnance n°2016-301 du 14 mars 2016 - art.", "@sens": "cible", "@cidtexte": "JORFTEXT000032209352", "@nortexte": "EINC1602822R", "@numtexte": "2016-301", "@typelien": "CREE", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2016-03-14" }, { "@id": "LEGIARTI000038497563", "@num": "99", "#text": "LOI n° 2019-486 du 22 mai 2019 - art. 99 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000038496102", "@nortexte": "ECOT1810669L", "@numtexte": "2019-486", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2019-05-22" }, { "@id": "LEGIARTI000034072668", "@num": "L311-1", "#text": "Code de la consommation - art. L311-1 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000038613861", "@num": "L313-25", "#text": "Code de la consommation - art. L313-25 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000045271953", "@num": "L313-31", "#text": "Code de la consommation - art. L313-31 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303339", "@num": "L314-4", "#text": "Code de la consommation - art. L314-4 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225828", "@num": "L314-5", "#text": "Code de la consommation - art. L314-5 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000043977203", "@num": "L315-9", "#text": "Code de la consommation - art. L315-9 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000038782736", "@num": "L341-1", "#text": "Code de la consommation - art. L341-1 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000045272001", "@num": "L341-25", "#text": "Code de la consommation - art. L341-25 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000038782704", "@num": "L341-34", "#text": "Code de la consommation - art. L341-34 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000038782726", "@num": "L341-4", "#text": "Code de la consommation - art. L341-4 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032302966", "@num": "L341-48", "#text": "Code de la consommation - art. L341-48 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000038782710", "@num": "L341-54", "#text": "Code de la consommation - art. L341-54 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000034130282", "@num": "L351-5", "#text": "Code de la consommation - art. L351-5 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000044073781", "@num": "L351-7", "#text": "Code de la consommation - art. L351-7 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000036769118", "@num": "R313-23", "#text": "Code de la consommation - art. R313-23 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032807624", "@num": "R314-11", "#text": "Code de la consommation - art. R314-11 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032807626", "@num": "R314-12", "#text": "Code de la consommation - art. R314-12 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000038614561", "@num": "L312-1-1", "#text": "Code monétaire et financier - art. L312-1-1 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000033232520", "@num": "L313-17", "#text": "Code monétaire et financier - art. L313-17 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000038782743", "@num": "L313-4", "#text": "Code monétaire et financier - art. L313-4 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "PILOTE_SUIVEUR", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000038782743", "@num": "L313-4", "#text": "Code monétaire et financier - art. L313-4 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000032228043", "@fin": "2999-01-01", "#text": "Sous-section 1 : Taux effectif global", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032228035", "@fin": "2999-01-01", "#text": "Section 1 : Taux d'intérêt", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032228031", "@fin": "2999-01-01", "#text": "Chapitre IV : Dispositions communes au crédit à la consommation et au crédit immobilier", "@debut": "2016-03-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032226220", "@fin": "2999-01-01", "#text": "Titre Ier : OPÉRATIONS DE CRÉDIT", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032226222", "@fin": "2999-01-01", "#text": "Livre III : CRÉDIT", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032227360", "@fin": "2999-01-01", "#text": "Partie législative nouvelle", "@debut": "2016-07-01" } ] }, "@cid": "LEGITEXT000006069565", "@nature": "CODE", "TITRE_TXT": [ { "@fin": "2999-01-01", "#text": "Code de la consommation", "@debut": "1993-07-27", "@id_txt": "LEGITEXT000006069565", "@c_titre_court": "Code de la consommation" } ], "@date_publi": "2999-01-01", "@date_signature": "2999-01-01" } }, "VERSIONS": { "VERSION": [ { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000032225836", "@fin": "2016-10-01", "@num": "L314-1", "@etat": "MODIFIE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000032303351", "@fin": "2999-01-01", "@num": "L314-1", "@etat": "VIGUEUR", "@debut": "2016-10-01", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

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Dans tous les cas, pour la détermination du taux effectif global du prêt, comme pour celle du taux effectif pris comme référence, sont ajoutés aux intérêts les frais, commissions ou rémunérations de toute nature, directs ou indirects, y compris ceux qui sont payés ou dus à des intermédiaires intervenus de quelque manière que ce soit dans l'octroi du prêt, même si ces frais, commissions ou rémunérations correspondent à des débours réels.

" } }, "LEGIARTI000032225938": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L313-8", "ETAT": "MODIFIE_MORT_NE", "TYPE": "AUTONOME", "DATE_FIN": "2016-03-27", "DATE_DEBUT": "2016-07-01" } }, "META_COMMUN": { "ID": "LEGIARTI000032225938", "URL": "article/LEGI/ARTI/00/00/32/22/59/LEGIARTI000032225938.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "#text": "Code de la consommation - art. L313-10 (VD)", "@sens": "source", "@typelien": "CONCORDE" }, { "@id": "LEGIARTI000032216177", "#text": "Ordonnance n°2016-301 du 14 mars 2016 - art.", "@sens": "source", "@cidtexte": "JORFTEXT000032209352", "@nortexte": "EINC1602822R", "@numtexte": "2016-301", "@typelien": "CODIFICATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2016-03-14" }, { "@id": "LEGIARTI000032216177", "#text": "Ordonnance n°2016-301 du 14 mars 2016 - art.", "@sens": "cible", "@cidtexte": "JORFTEXT000032209352", "@nortexte": "EINC1602822R", "@numtexte": "2016-301", "@typelien": "CREE", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2016-03-14" }, { "@id": "LEGIARTI000032297602", "@num": "3", "#text": "Ordonnance n°2016-351 du 25 mars 2016 - art. 3", "@sens": "cible", "@cidtexte": "JORFTEXT000032294277", "@nortexte": "FCPT1520257R", "@numtexte": "2016-351", "@typelien": "TRANSFERE", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2016-03-25" }, { "@id": "LEGIARTI000032297602", "@num": "3", "#text": "Ordonnance n°2016-351 du 25 mars 2016 - art. 3", "@sens": "cible", "@cidtexte": "JORFTEXT000032294277", "@nortexte": "FCPT1520257R", "@numtexte": "2016-351", "@typelien": "MODIFIE", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2016-03-25" }, { "@id": "LEGIARTI000032432435", "@num": "L313-10", "#text": "Code de la consommation - art. L313-10 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000038775223", "@num": "L313-31", "#text": "Code de la consommation - art. L313-31 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225943", "@num": "L313-6", "#text": "Code de la consommation - art. L313-6 (VT)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032432430", "@num": "L313-9", "#text": "Code de la consommation - art. L313-9 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303339", "@num": "L314-4", "#text": "Code de la consommation - art. L314-4 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000045271327", "@num": "L341-26-1", "#text": "Code de la consommation - art. L341-26-1 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032807626", "@num": "R314-12", "#text": "Code de la consommation - art. R314-12 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000032225945", "@fin": "2999-01-01", "#text": "Sous-section 2 : Information relative à l'assurance-emprunteur", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032225951", "@fin": "2999-01-01", "#text": "Section 3 : Information précontractuelle de l'emprunteur", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032225973", "@fin": "2999-01-01", "#text": "Chapitre III : Crédit immobilier", "@debut": "2016-03-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032226220", "@fin": "2999-01-01", "#text": "Titre Ier : OPÉRATIONS DE CRÉDIT", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032226222", "@fin": "2999-01-01", "#text": "Livre III : CRÉDIT", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032227360", "@fin": "2999-01-01", "#text": "Partie législative nouvelle", "@debut": "2016-07-01" } ] }, "@cid": "LEGITEXT000006069565", "@nature": "CODE", "TITRE_TXT": [ { "@fin": "2999-01-01", "#text": "Code de la consommation", "@debut": "1993-07-27", "@id_txt": "LEGITEXT000006069565", "@c_titre_court": "Code de la consommation" } ], "@date_publi": "2999-01-01", "@date_signature": "2999-01-01" } }, "VERSIONS": { "VERSION": [ { "@etat": "MODIFIE_MORT_NE", "LIEN_ART": { "@id": "LEGIARTI000032225938", "@fin": "2016-03-27", "@num": "L313-8", "@etat": "MODIFIE_MORT_NE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000032432422", "@fin": "2018-04-01", "@num": "L313-8", "@etat": "MODIFIE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000035731512", "@fin": "2022-06-01", "@num": "L313-8", "@etat": "MODIFIE", "@debut": "2018-04-01", "@origine": "LEGI" } }, { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000045271966", "@fin": "2999-01-01", "@num": "L313-8", "@etat": "VIGUEUR", "@debut": "2022-06-01", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

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Une fiche standardisée d'information est remise, lors de la première simulation, à toute personne qui se voit proposer ou qui sollicite une assurance ayant pour objet de garantir le remboursement d'un prêt mentionné à l'article L. 313-1. Les modalités d'application du présent alinéa sont fixées par décret en Conseil d'Etat.
La fiche standardisée d'information mentionne la possibilité pour l'emprunteur de souscrire auprès de l'assureur de son choix une assurance dans les conditions fixées aux articles L. 313-14 et L. 313-15 et précise les types de garanties proposées. Le format de cette fiche ainsi que son contenu sont fixés par arrêté.

" } }, "LEGIARTI000032226194": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L312-7", "ETAT": "VIGUEUR", "TYPE": "AUTONOME", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2016-07-01" } }, "META_COMMUN": { "ID": "LEGIARTI000032226194", "URL": "article/LEGI/ARTI/00/00/32/22/61/LEGIARTI000032226194.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "LEGIARTI000032216177", "#text": "Ordonnance n°2016-301 du 14 mars 2016 - art.", "@sens": "source", "@cidtexte": "JORFTEXT000032209352", "@nortexte": "EINC1602822R", "@numtexte": "2016-301", "@typelien": "CODIFICATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2016-03-14" }, { "@id": "LEGIARTI000032216177", "#text": "Ordonnance n°2016-301 du 14 mars 2016 - art.", "@sens": "cible", "@cidtexte": "JORFTEXT000032209352", "@nortexte": "EINC1602822R", "@numtexte": "2016-301", "@typelien": "CREE", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2016-03-14" }, { "@id": "LEGIARTI000032807466", "@num": "D312-24", "#text": "Code de la consommation - art. D312-24 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000027760266", "@num": "L311-4-1", "#text": "Code de la consommation - art. L311-4-1 (Ab)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000035731440", "@num": "L312-12", "#text": "Code de la consommation - art. L312-12 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032221985", "@num": "L312-6", "#text": "Code de la consommation - art. L312-6 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303339", "@num": "L314-4", "#text": "Code de la consommation - art. L314-4 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000034130276", "@num": "L351-4", "#text": "Code de la consommation - art. L351-4 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032807624", "@num": "R314-11", "#text": "Code de la consommation - art. R314-11 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000032226200", "@fin": "2999-01-01", "#text": "Section 2 : Publicité", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032226214", "@fin": "2999-01-01", "#text": "Chapitre II : Crédit à la consommation", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032226220", "@fin": "2999-01-01", "#text": "Titre Ier : OPÉRATIONS DE CRÉDIT", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032226222", "@fin": "2999-01-01", "#text": "Livre III : CRÉDIT", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032227360", "@fin": "2999-01-01", "#text": "Partie législative nouvelle", "@debut": "2016-07-01" } ] }, "@cid": "LEGITEXT000006069565", "@nature": "CODE", "TITRE_TXT": [ { "@fin": "2999-01-01", "#text": "Code de la consommation", "@debut": "1993-07-27", "@id_txt": "LEGITEXT000006069565", "@c_titre_court": "Code de la consommation" } ], "@date_publi": "2999-01-01", "@date_signature": "2999-01-01" } }, "VERSIONS": { "VERSION": [ { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000032226194", "@fin": "2999-01-01", "@num": "L312-7", "@etat": "VIGUEUR", "@debut": "2016-07-01", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

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Lorsqu'un prêteur propose habituellement des contrats de crédit assortis d'une proposition d'assurance ayant pour objet la garantie de remboursement du crédit, toute publicité mentionnée au premier alinéa de l'article L. 312-6 diffusée pour son compte sur ces contrats mentionne le coût de l'assurance, à l'aide de l'exemple représentatif mentionné au même alinéa. Ce coût est exprimé :
1° A l'exclusion de tout autre taux, en taux annuel effectif de l'assurance, qui permette la comparaison par l'emprunteur de ce taux avec le taux annuel effectif global du crédit ;
2° En montant total dû en euros par l'emprunteur au titre de l'assurance sur la durée totale du prêt ;
3° En euros par mois. Il est précisé si ce montant s'ajoute ou non à l'échéance de remboursement du crédit.

" } }, "LEGIARTI000032297604": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "4", "TYPE": "ENTIEREMENT_MODIF", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2999-01-01" } }, "META_COMMUN": { "ID": "LEGIARTI000032297604", "URL": "article/LEGI/ARTI/00/00/32/29/76/LEGIARTI000032297604.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "LEGISCTA000032303321", "#text": "Code de la consommation - Section 6 : Règle de conduite et rémunération (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGISCTA000032303303", "#text": "Code de la consommation - Section 7 : Formation du prêteur et de l'interm... (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303351", "@num": "L314-1", "#text": "Code de la consommation - art. L314-1 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303331", "@num": "L314-11", "#text": "Code de la consommation - art. L314-11 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303327", "@num": "L314-12", "#text": "Code de la consommation - art. L314-12 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303347", "@num": "L314-2", "#text": "Code de la consommation - art. L314-2 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303315", "@num": "L314-22", "#text": "Code de la consommation - art. L314-22 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303309", "@num": "L314-23", "#text": "Code de la consommation - art. L314-23 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225781", "@num": "L314-24", "#text": "Code de la consommation - art. L314-24 (V)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "TRANSFERE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303357", "@num": "L314-24", "#text": "Code de la consommation - art. L314-24 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032301639", "@num": "L314-25", "#text": "Code de la consommation - art. L314-25 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CREE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032301586", "@num": "L314-26", "#text": "Code de la consommation - art. L314-26 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CREE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303343", "@num": "L314-3", "#text": "Code de la consommation - art. L314-3 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303339", "@num": "L314-4", "#text": "Code de la consommation - art. L314-4 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303335", "@num": "L314-6", "#text": "Code de la consommation - art. L314-6 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000032297594", "@fin": "2999-01-01", "#text": "Chapitre Ier : Modification du code de la consommation", "@debut": "2016-07-01" } ] }, "@cid": "JORFTEXT000032294277", "@nor": "FCPT1520257R", "@num": "2016-351", "@nature": "ORDONNANCE", "TITRE_TXT": [ { "@fin": "2999-01-01", "#text": "Ordonnance n° 2016-351 du 25 mars 2016 sur les contrats de crédit aux consommateurs relatifs aux biens immobiliers à usage d'habitation", "@debut": "2999-01-01", "@id_txt": "JORFTEXT000032294277", "@c_titre_court": "Ordonnance n° 2016-351 du 25 mars 2016" }, { "@fin": "2999-01-01", "#text": "Ordonnance n° 2016-351 du 25 mars 2016 sur les contrats de crédit aux consommateurs relatifs aux biens immobiliers à usage d'habitation", "@debut": "2016-07-01", "@id_txt": "LEGITEXT000032297584", "@c_titre_court": "Ordonnance n°2016-351 du 25 mars 2016" } ], "@ministere": "Ministère des finances et des comptes publics", "@date_publi": "2016-03-26", "@date_signature": "2016-03-25" } }, "VERSIONS": { "VERSION": [ { "LIEN_ART": { "@id": "LEGIARTI000032297604", "@fin": "2999-01-01", "@num": "4", "@debut": "2999-01-01", "@origine": "LEGI" } }, { "LIEN_ART": { "@id": "JORFARTI000032294299", "@fin": "2999-01-01", "@num": "4", "@debut": "2999-01-01", "@origine": "JORF" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "
A modifié les dispositions suivantes :

- Code de la consommation
\n Art. L314-1, Art. L314-2, Art. L314-3, Art. L314-4, Art. L314-6, Art. L314-11, Art. L314-12, Sct. Section 6 : Règle de conduite et rémunération, Art. L314-22, Art. L314-23, Sct. Section 7 : Formation du prêteur et de l'intermédiaire\n
\n

\n
\n
A modifié les dispositions suivantes :

- Code de la consommation
Art. L314-24, Art. L314-26, Art. L314-25
\n

\n
" } }, "LEGIARTI000032303351": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L314-1", "ETAT": "VIGUEUR", "TYPE": "AUTONOME", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2016-10-01" } }, "META_COMMUN": { "ID": "LEGIARTI000032303351", "URL": "article/LEGI/ARTI/00/00/32/30/33/LEGIARTI000032303351.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "#text": "Ordonnance n°2016-301 du 14 mars 2016 - art.", "@sens": "source", "@cidtexte": "JORFTEXT000032209352", "@typelien": "CODIFICATION" }, { "#text": "Ordonnance n°2016-301 du 14 mars 2016 - art.", "@sens": "source", "@cidtexte": "JORFTEXT000032209352", "@typelien": "CODIFICATION" }, { "@id": "LEGIARTI000034073117", "@num": "26-5", "#text": "Loi n° 65-557 du 10 juillet 1965 - art. 26-5 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000000880200", "@numtexte": "65-557", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "1965-07-10" }, { "@id": "LEGIARTI000032297604", "@num": "4", "#text": "Ordonnance n°2016-351 du 25 mars 2016 - art. 4", "@sens": "cible", "@cidtexte": "JORFTEXT000032294277", "@nortexte": "FCPT1520257R", "@numtexte": "2016-351", "@typelien": "MODIFIE", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2016-03-25" }, { "@id": "LEGIARTI000038497563", "@num": "99", "#text": "LOI n° 2019-486 du 22 mai 2019 - art. 99 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000038496102", "@nortexte": "ECOT1810669L", "@numtexte": "2019-486", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2019-05-22" }, { "@id": "LEGIARTI000034072668", "@num": "L311-1", "#text": "Code de la consommation - art. L311-1 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000022435122", "@num": "L313-1", "#text": "Code de la consommation - art. L313-1 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000038613861", "@num": "L313-25", "#text": "Code de la consommation - art. L313-25 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000045271953", "@num": "L313-31", "#text": "Code de la consommation - art. L313-31 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303339", "@num": "L314-4", "#text": "Code de la consommation - art. L314-4 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225828", "@num": "L314-5", "#text": "Code de la consommation - art. L314-5 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000043977203", "@num": "L315-9", "#text": "Code de la consommation - art. L315-9 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000038782736", "@num": "L341-1", "#text": "Code de la consommation - art. L341-1 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000045272001", "@num": "L341-25", "#text": "Code de la consommation - art. L341-25 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000038782704", "@num": "L341-34", "#text": "Code de la consommation - art. L341-34 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000038782726", "@num": "L341-4", "#text": "Code de la consommation - art. L341-4 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032302966", "@num": "L341-48", "#text": "Code de la consommation - art. L341-48 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000038782710", "@num": "L341-54", "#text": "Code de la consommation - art. L341-54 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000034130282", "@num": "L351-5", "#text": "Code de la consommation - art. L351-5 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000044073781", "@num": "L351-7", "#text": "Code de la consommation - art. L351-7 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000036769118", "@num": "R313-23", "#text": "Code de la consommation - art. R313-23 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032807624", "@num": "R314-11", "#text": "Code de la consommation - art. R314-11 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032807626", "@num": "R314-12", "#text": "Code de la consommation - art. R314-12 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000038614561", "@num": "L312-1-1", "#text": "Code monétaire et financier - art. L312-1-1 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000033232520", "@num": "L313-17", "#text": "Code monétaire et financier - art. L313-17 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000038782743", "@num": "L313-4", "#text": "Code monétaire et financier - art. L313-4 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "PILOTE_SUIVEUR", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000038782743", "@num": "L313-4", "#text": "Code monétaire et financier - art. L313-4 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000032228043", "@fin": "2999-01-01", "#text": "Sous-section 1 : Taux effectif global", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032228035", "@fin": "2999-01-01", "#text": "Section 1 : Taux d'intérêt", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032228031", "@fin": "2999-01-01", "#text": "Chapitre IV : Dispositions communes au crédit à la consommation et au crédit immobilier", "@debut": "2016-03-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032226220", "@fin": "2999-01-01", "#text": "Titre Ier : OPÉRATIONS DE CRÉDIT", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032226222", "@fin": "2999-01-01", "#text": "Livre III : CRÉDIT", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032227360", "@fin": "2999-01-01", "#text": "Partie législative nouvelle", "@debut": "2016-07-01" } ] }, "@cid": "LEGITEXT000006069565", "@nature": "CODE", "TITRE_TXT": [ { "@fin": "2999-01-01", "#text": "Code de la consommation", "@debut": "1993-07-27", "@id_txt": "LEGITEXT000006069565", "@c_titre_court": "Code de la consommation" } ], "@date_publi": "2999-01-01", "@date_signature": "2999-01-01" } }, "VERSIONS": { "VERSION": [ { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000032225836", "@fin": "2016-10-01", "@num": "L314-1", "@etat": "MODIFIE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000032303351", "@fin": "2999-01-01", "@num": "L314-1", "@etat": "VIGUEUR", "@debut": "2016-10-01", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

Dans tous les cas, pour la détermination du taux effectif global du prêt, comme pour celle du taux effectif pris comme référence, sont ajoutés aux intérêts les frais, les taxes, les commissions ou rémunérations de toute nature, directs ou indirects, supportés par l'emprunteur et connus du prêteur à la date d'émission de l'offre de crédit ou de l'avenant au contrat de crédit, ou dont le montant peut être déterminé à ces mêmes dates, et qui constituent une condition pour obtenir le crédit ou pour l'obtenir aux conditions annoncées.

" } }, "LEGIARTI000032432422": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L313-8", "ETAT": "MODIFIE", "TYPE": "AUTONOME", "DATE_FIN": "2018-04-01", "DATE_DEBUT": "2016-07-01" } }, "META_COMMUN": { "ID": "LEGIARTI000032432422", "URL": "article/LEGI/ARTI/00/00/32/43/24/LEGIARTI000032432422.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "NOTA": { "CONTENU": "

(1) Aux termes de l'ordonnance n° 2016-351 du 25 mars 2016, article 13 II, ces dispositions entrent en vigueur le 1er octobre 2016.

\n
" }, "LIENS": { "LIEN": [ { "#text": "Code de la consommation - art. L313-10 (VD)", "@sens": "source", "@typelien": "CONCORDE" }, { "@id": "LEGIARTI000032297602", "@num": "3", "#text": "Ordonnance n°2016-351 du 25 mars 2016 - art. 3", "@sens": "source", "@cidtexte": "JORFTEXT000032294277", "@nortexte": "FCPT1520257R", "@numtexte": "2016-351", "@typelien": "MODIFICATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2016-03-25" }, { "@id": "LEGIARTI000032222245", "@num": "L313-10", "#text": "Code de la consommation - art. L313-10 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032222273", "@num": "L313-24", "#text": "Code de la consommation - art. L313-24 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032222285", "@num": "L313-29", "#text": "Code de la consommation - art. L313-29 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000038775223", "@num": "L313-31", "#text": "Code de la consommation - art. L313-31 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225943", "@num": "L313-6", "#text": "Code de la consommation - art. L313-6 (VT)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032432430", "@num": "L313-9", "#text": "Code de la consommation - art. L313-9 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303339", "@num": "L314-4", "#text": "Code de la consommation - art. L314-4 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000045271327", "@num": "L341-26-1", "#text": "Code de la consommation - art. L341-26-1 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032807626", "@num": "R314-12", "#text": "Code de la consommation - art. R314-12 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000032225945", "@fin": "2999-01-01", "#text": "Sous-section 2 : Information relative à l'assurance-emprunteur", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032225951", "@fin": "2999-01-01", "#text": "Section 3 : Information précontractuelle de l'emprunteur", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032225973", "@fin": "2999-01-01", "#text": "Chapitre III : Crédit immobilier", "@debut": "2016-03-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032226220", "@fin": "2999-01-01", "#text": "Titre Ier : OPÉRATIONS DE CRÉDIT", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032226222", "@fin": "2999-01-01", "#text": "Livre III : CRÉDIT", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032227360", "@fin": "2999-01-01", "#text": "Partie législative nouvelle", "@debut": "2016-07-01" } ] }, "@cid": "LEGITEXT000006069565", "@nature": "CODE", "TITRE_TXT": [ { "@fin": "2999-01-01", "#text": "Code de la consommation", "@debut": "1993-07-27", "@id_txt": "LEGITEXT000006069565", "@c_titre_court": "Code de la consommation" } ], "@date_publi": "2999-01-01", "@date_signature": "2999-01-01" } }, "VERSIONS": { "VERSION": [ { "@etat": "MODIFIE_MORT_NE", "LIEN_ART": { "@id": "LEGIARTI000032225938", "@fin": "2016-03-27", "@num": "L313-8", "@etat": "MODIFIE_MORT_NE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000032432422", "@fin": "2018-04-01", "@num": "L313-8", "@etat": "MODIFIE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000035731512", "@fin": "2022-06-01", "@num": "L313-8", "@etat": "MODIFIE", "@debut": "2018-04-01", "@origine": "LEGI" } }, { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000045271966", "@fin": "2999-01-01", "@num": "L313-8", "@etat": "VIGUEUR", "@debut": "2022-06-01", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

Tout document remis à l'emprunteur préalablement à la formulation de l'offre mentionnée à l'article L. 313-24 et comportant un ou plusieurs éléments chiffrés sur l'assurance de groupe mentionnée au premier alinéa de l'article L. 313-29 mentionne le coût de cette assurance.

Ce coût est exprimé :

1° A l'exclusion de tout autre taux, en taux annuel effectif de l'assurance, qui permette la comparaison par l'emprunteur de ce taux avec le taux annuel effectif global du crédit (1) ;

2° En montant total en euros dû par l'emprunteur au titre de l'assurance sur la durée totale du prêt ;

3° En euros et par période, selon la périodicité de paiement. Il est précisé si ce montant s'ajoute ou non à l'échéance de remboursement du crédit.

Simultanément à la remise de tout document mentionné au présent article, doivent être remises la fiche standardisée d'information mentionnée à l'article L. 313-10 ainsi que la notice mentionnée au 1° de l'article L. 313-29.

" } }, "LEGIARTI000035731512": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L313-8", "ETAT": "MODIFIE", "TYPE": "AUTONOME", "DATE_FIN": "2022-06-01", "DATE_DEBUT": "2018-04-01" } }, "META_COMMUN": { "ID": "LEGIARTI000035731512", "URL": "article/LEGI/ARTI/00/00/35/73/15/LEGIARTI000035731512.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "NOTA": { "CONTENU": "
\n
" }, "LIENS": { "LIEN": [ { "@id": "LEGIARTI000032222245", "@num": "L313-10", "#text": "Code de la consommation - art. L313-10", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "#text": "Code de la consommation - art. L313-10 (VD)", "@sens": "source", "@typelien": "CONCORDE" }, { "@id": "LEGIARTI000035721942", "@num": "13", "#text": "Ordonnance n°2017-1433 du 4 octobre 2017 - art. 13", "@sens": "cible", "@cidtexte": "JORFTEXT000035720869", "@nortexte": "ECOT1719130R", "@numtexte": "2017-1433", "@typelien": "MODIFIE", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2017-10-04" }, { "@id": "LEGIARTI000032222273", "@num": "L313-24", "#text": "Code de la consommation - art. L313-24", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032222285", "@num": "L313-29", "#text": "Code de la consommation - art. L313-29", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000038775223", "@num": "L313-31", "#text": "Code de la consommation - art. L313-31 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225943", "@num": "L313-6", "#text": "Code de la consommation - art. L313-6 (VT)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032432430", "@num": "L313-9", "#text": "Code de la consommation - art. L313-9 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303339", "@num": "L314-4", "#text": "Code de la consommation - art. L314-4 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000045271327", "@num": "L341-26-1", "#text": "Code de la consommation - art. L341-26-1 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032807626", "@num": "R314-12", "#text": "Code de la consommation - art. R314-12 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000032225945", "@fin": "2999-01-01", "#text": "Sous-section 2 : Information relative à l'assurance-emprunteur", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032225951", "@fin": "2999-01-01", "#text": "Section 3 : Information précontractuelle de l'emprunteur", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032225973", "@fin": "2999-01-01", "#text": "Chapitre III : Crédit immobilier", "@debut": "2016-03-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032226220", "@fin": "2999-01-01", "#text": "Titre Ier : OPÉRATIONS DE CRÉDIT", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032226222", "@fin": "2999-01-01", "#text": "Livre III : CRÉDIT", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032227360", "@fin": "2999-01-01", "#text": "Partie législative nouvelle", "@debut": "2016-07-01" } ] }, "@cid": "LEGITEXT000006069565", "@nature": "CODE", "TITRE_TXT": [ { "@fin": "2999-01-01", "#text": "Code de la consommation", "@debut": "1993-07-27", "@id_txt": "LEGITEXT000006069565", "@c_titre_court": "Code de la consommation" } ], "@date_publi": "2999-01-01", "@date_signature": "2999-01-01" } }, "VERSIONS": { "VERSION": [ { "@etat": "MODIFIE_MORT_NE", "LIEN_ART": { "@id": "LEGIARTI000032225938", "@fin": "2016-03-27", "@num": "L313-8", "@etat": "MODIFIE_MORT_NE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000032432422", "@fin": "2018-04-01", "@num": "L313-8", "@etat": "MODIFIE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000035731512", "@fin": "2022-06-01", "@num": "L313-8", "@etat": "MODIFIE", "@debut": "2018-04-01", "@origine": "LEGI" } }, { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000045271966", "@fin": "2999-01-01", "@num": "L313-8", "@etat": "VIGUEUR", "@debut": "2022-06-01", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

Tout document fourni à l'emprunteur, sur support papier ou tout autre support durable préalablement à la formulation de l'offre mentionnée à l'article L. 313-24 et comportant un ou plusieurs éléments chiffrés sur l'assurance de groupe mentionnée au premier alinéa de l'article L. 313-29 mentionne le coût de cette assurance.

Ce coût est exprimé :

1° A l'exclusion de tout autre taux, en taux annuel effectif de l'assurance, qui permette la comparaison par l'emprunteur de ce taux avec le taux annuel effectif global du crédit ;

2° En montant total en euros dû par l'emprunteur au titre de l'assurance sur la durée totale du prêt ;

3° En euros et par période, selon la périodicité de paiement. Il est précisé si ce montant s'ajoute ou non à l'échéance de remboursement du crédit.

" } }, "LEGIARTI000045271966": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L313-8", "ETAT": "VIGUEUR", "TYPE": "AUTONOME", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2022-06-01" } }, "META_COMMUN": { "ID": "LEGIARTI000045271966", "URL": "article/LEGI/ARTI/00/00/45/27/19/LEGIARTI000045271966.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "NOTA": { "CONTENU": "

Conformément au I de l’article 8 de la loi n° 2022-270, ces dispositions sont applicables aux nouvelles offres de prêts émises à compter du 1er juin 2022.

Conformément au II du même article, ces dispositions sont également applicables à compter du 1er septembre 2022, aux contrats d'assurance en cours d'exécution à cette date.

" }, "LIENS": { "LIEN": [ { "#text": "Code de la consommation - art. L313-10 (VD)", "@sens": "source", "@typelien": "CONCORDE" }, { "@id": "LEGIARTI000045269946", "@num": "2", "#text": "LOI n°2022-270 du 28 février 2022 - art. 2", "@sens": "cible", "@cidtexte": "JORFTEXT000045268729", "@nortexte": "ECOX2132784L", "@numtexte": "2022-270", "@typelien": "MODIFIE", "@naturetexte": "LOI", "@datesignatexte": "2022-02-28" }, { "@id": "LEGIARTI000045269926", "@num": "3", "#text": "LOI n°2022-270 du 28 février 2022 - art. 3", "@sens": "cible", "@cidtexte": "JORFTEXT000045268729", "@nortexte": "ECOX2132784L", "@numtexte": "2022-270", "@typelien": "MODIFIE", "@naturetexte": "LOI", "@datesignatexte": "2022-02-28" }, { "@id": "LEGIARTI000045269928", "@num": "4", "#text": "LOI n°2022-270 du 28 février 2022 - art. 4", "@sens": "cible", "@cidtexte": "JORFTEXT000045268729", "@nortexte": "ECOX2132784L", "@numtexte": "2022-270", "@typelien": "MODIFIE", "@naturetexte": "LOI", "@datesignatexte": "2022-02-28" }, { "@id": "LEGIARTI000032222245", "@num": "L313-10", "#text": "Code de la consommation - art. L313-10", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032222273", "@num": "L313-24", "#text": "Code de la consommation - art. L313-24", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032222285", "@num": "L313-29", "#text": "Code de la consommation - art. L313-29", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000045271953", "@num": "L313-31", "#text": "Code de la consommation - art. L313-31 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225943", "@num": "L313-6", "#text": "Code de la consommation - art. L313-6 (VT)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032432430", "@num": "L313-9", "#text": "Code de la consommation - art. L313-9 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303339", "@num": "L314-4", "#text": "Code de la consommation - art. L314-4 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000045271327", "@num": "L341-26-1", "#text": "Code de la consommation - art. L341-26-1 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032807626", "@num": "R314-12", "#text": "Code de la consommation - art. R314-12 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000032225945", "@fin": "2999-01-01", "#text": "Sous-section 2 : Information relative à l'assurance-emprunteur", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032225951", "@fin": "2999-01-01", "#text": "Section 3 : Information précontractuelle de l'emprunteur", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032225973", "@fin": "2999-01-01", "#text": "Chapitre III : Crédit immobilier", "@debut": "2016-03-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032226220", "@fin": "2999-01-01", "#text": "Titre Ier : OPÉRATIONS DE CRÉDIT", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032226222", "@fin": "2999-01-01", "#text": "Livre III : CRÉDIT", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032227360", "@fin": "2999-01-01", "#text": "Partie législative nouvelle", "@debut": "2016-07-01" } ] }, "@cid": "LEGITEXT000006069565", "@nature": "CODE", "TITRE_TXT": [ { "@fin": "2999-01-01", "#text": "Code de la consommation", "@debut": "1993-07-27", "@id_txt": "LEGITEXT000006069565", "@c_titre_court": "Code de la consommation" } ], "@date_publi": "2999-01-01", "@date_signature": "2999-01-01" } }, "VERSIONS": { "VERSION": [ { "@etat": "MODIFIE_MORT_NE", "LIEN_ART": { "@id": "LEGIARTI000032225938", "@fin": "2016-03-27", "@num": "L313-8", "@etat": "MODIFIE_MORT_NE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000032432422", "@fin": "2018-04-01", "@num": "L313-8", "@etat": "MODIFIE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000035731512", "@fin": "2022-06-01", "@num": "L313-8", "@etat": "MODIFIE", "@debut": "2018-04-01", "@origine": "LEGI" } }, { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000045271966", "@fin": "2999-01-01", "@num": "L313-8", "@etat": "VIGUEUR", "@debut": "2022-06-01", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

Tout document fourni à l'emprunteur, sur support papier ou tout autre support durable préalablement à la formulation de l'offre mentionnée à l'article L. 313-24 et comportant un ou plusieurs éléments chiffrés sur l'assurance mentionnée au premier alinéa de l'article L. 313-29 mentionne le coût de cette assurance.

Ce coût est exprimé :

1° A l'exclusion de tout autre taux, en taux annuel effectif de l'assurance, qui permette la comparaison par l'emprunteur de ce taux avec le taux annuel effectif global du crédit ;

2° En montant total en euros dû par l'emprunteur au titre de l'assurance, sur une durée de huit ans et sur la durée totale du prêt ;

3° En euros et par période, selon la périodicité de paiement. Il est précisé si ce montant s'ajoute ou non à l'échéance de remboursement du crédit.

Simultanément à la fourniture de tout document mentionné au présent article, doivent être fournies la fiche standardisée d'information mentionnée à l'article L. 313-10 ainsi que la notice mentionnée au 1° de l'article L. 313-29. Cette notice indique la possibilité pour l'emprunteur de résilier le contrat d'assurance à tout moment à compter de la signature de l'offre de prêt.

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Article L314-4 AUTONOME VIGUEUR, en vigueur depuis le 01/10/2016 (Code de la consommation)