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Pour les contrats de crédit qui prévoient un amortissement échelonné, le taux effectif global doit être calculé en tenant compte des modalités de l'amortissement de la créance.

" } }, "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. 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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
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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
" } } }, "article_lien": [ { "article_id": "LEGIARTI000022435122", "cible": false, "cidtexte": "LEGITEXT000006069565", "id": "LEGIARTI000032303347", "typelien": "CONCORDE" }, { "article_id": "LEGIARTI000032297604", "cible": false, "cidtexte": "LEGITEXT000006069565", "id": "LEGIARTI000032303347", "typelien": "MODIFIE" } ], "follow": [ "LIENS.LIEN[@sens=cible,@typelien=CREATION].@id" ], "id": "LEGIARTI000032303347", "liens_entrants": true }

Article L314-2 AUTONOME VIGUEUR, en vigueur depuis le 01/10/2016 (Code de la consommation)