{ "article": { "LEGIARTI000032303447": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L341-24", "ETAT": "VIGUEUR", "TYPE": "AUTONOME", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2016-07-01" } }, "META_COMMUN": { "ID": "LEGIARTI000032303447", "URL": "article/LEGI/ARTI/00/00/32/30/34/LEGIARTI000032303447.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "#text": "Ordonnance n°2016-301 du 14 mars 2016 - art.", "@sens": "source", "@cidtexte": "JORFTEXT000032209352", "@typelien": "CODIFICATION" }, { "@id": "LEGIARTI000032297606", "@num": "5", "#text": "Ordonnance n°2016-351 du 25 mars 2016 - art. 5", "@sens": "cible", "@cidtexte": "JORFTEXT000032294277", "@nortexte": "FCPT1520257R", "@numtexte": "2016-351", "@typelien": "MODIFIE", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2016-03-25" }, { "@id": "LEGIARTI000032222247", "@num": "L313-11", "#text": "Code de la consommation - art. L313-11 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032222249", "@num": "L313-12", "#text": "Code de la consommation - art. L313-12 (V)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032222327", "@num": "L313-46", "#text": "Code de la consommation - art. L313-46 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032222329", "@num": "L313-47", "#text": "Code de la consommation - art. L313-47 (V)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032222231", "@num": "L313-6", "#text": "Code de la consommation - art. L313-6 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032222233", "@num": "L313-7", "#text": "Code de la consommation - art. L313-7 (V)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "#text": "Code de la consommation - art. L341-35 (VD)", "@sens": "source", "@typelien": "CONCORDE" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000032225618", "@fin": "2999-01-01", "#text": "Sous-section 1 : Publicité et informations générales", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032225620", "@fin": "2999-01-01", "#text": "Section 2 : Crédit immobilier", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032225675", "@fin": "2999-01-01", "#text": "Chapitre Ier : Opérations de crédit", "@debut": "2016-03-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032225677", "@fin": "2999-01-01", "#text": "Titre IV : SANCTIONS", "@debut": "2016-03-25" } ] }, "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": "LEGIARTI000032225606", "@fin": "2016-03-27", "@num": "L341-24", "@etat": "MODIFIE_MORT_NE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000032303447", "@fin": "2999-01-01", "@num": "L341-24", "@etat": "VIGUEUR", "@debut": "2016-07-01", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

Le fait pour le prêteur ou l'intermédiaire de crédit de ne pas respecter l'obligation de gratuité des informations fournies en application des dispositions des articles L. 313-6, L. 313-7, L. 313-11, L. 313-12, L. 313-46, L. 313-47 est puni d'une amende de 30 000 euros.

" } }, "LEGIARTI000032225844": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L313-47", "ETAT": "MODIFIE_MORT_NE", "TYPE": "AUTONOME", "DATE_FIN": "2016-03-27", "DATE_DEBUT": "2016-07-01" } }, "META_COMMUN": { "ID": "LEGIARTI000032225844", "URL": "article/LEGI/ARTI/00/00/32/22/58/LEGIARTI000032225844.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": "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": "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": "LEGIARTI000032237064", "@num": "L312-21", "#text": "Code de la consommation - art. L312-21, alinéas 1 et 2 (Ab)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225876", "@num": "L313-32", "#text": "Code de la consommation - art. L313-32 (MMN)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032310658", "@num": "L313-49", "#text": "Code de la consommation - art. L313-49 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032310694", "@num": "L313-62", "#text": "Code de la consommation - art. L313-62 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303447", "@num": "L341-24", "#text": "Code de la consommation - art. L341-24 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032807572", "@num": "R313-25", "#text": "Code de la consommation - art. R313-25 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000032225864", "@fin": "2999-01-01", "#text": "Section 8 : Location-vente et location assortie d'une promesse de vente", "@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": "LEGIARTI000032225844", "@fin": "2016-03-27", "@num": "L313-47", "@etat": "MODIFIE_MORT_NE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000032433259", "@fin": "2016-10-10", "@num": "L313-47", "@etat": "MODIFIE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000032890846", "@fin": "2018-04-01", "@num": "L313-47", "@etat": "MODIFIE", "@debut": "2016-10-10", "@origine": "LEGI" } }, { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000035731469", "@fin": "2999-01-01", "@num": "L313-47", "@etat": "VIGUEUR", "@debut": "2018-04-01", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

\n
En cas de location assortie d'une promesse de vente, l'acte constatant la levée de l'option est conclu sous la condition suspensive prévue à l'article L. 313-26.
Lorsque cette condition n'est pas réalisée, le bailleur restitue toutes sommes versées par le preneur à l'exception des loyers et des frais de remise en état du bien.

" } }, "LEGIARTI000032225846": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L313-46", "ETAT": "MODIFIE_MORT_NE", "TYPE": "AUTONOME", "DATE_FIN": "2016-03-27", "DATE_DEBUT": "2016-07-01" } }, "META_COMMUN": { "ID": "LEGIARTI000032225846", "URL": "article/LEGI/ARTI/00/00/32/22/58/LEGIARTI000032225846.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": "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": "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": "LEGIARTI000018048009", "@num": "L312-14-2", "#text": "Code de la consommation - art. L312-14-2 (Ab)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225880", "@num": "L313-31", "#text": "Code de la consommation - art. L313-31 (MMN)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032310692", "@num": "L313-61", "#text": "Code de la consommation - art. L313-61 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303447", "@num": "L341-24", "#text": "Code de la consommation - art. L341-24 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032395763", "@num": "L341-45", "#text": "Code de la consommation - art. L341-45 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032807774", "@num": "R341-23", "#text": "Code de la consommation - art. R341-23 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000032225864", "@fin": "2999-01-01", "#text": "Section 8 : Location-vente et location assortie d'une promesse de vente", "@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": "LEGIARTI000032225846", "@fin": "2016-03-27", "@num": "L313-46", "@etat": "MODIFIE_MORT_NE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000032433253", "@fin": "2018-04-01", "@num": "L313-46", "@etat": "MODIFIE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000035731472", "@fin": "2999-01-01", "@num": "L313-46", "@etat": "VIGUEUR", "@debut": "2018-04-01", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

\n
Aucune indemnité ni aucun coût autres que ceux qui sont mentionnés à l'article L. 313-45 ne peuvent être mis à la charge du preneur. Toutefois, le bailleur peut réclamer au preneur, en cas de défaillance de celui-ci, le remboursement sur justification des frais taxables qui lui ont été occasionnés par cette défaillance, à l'exclusion de tout remboursement forfaitaire de frais de recouvrement.

" } }, "LEGIARTI000032225924": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L313-12", "ETAT": "MODIFIE_MORT_NE", "TYPE": "AUTONOME", "DATE_FIN": "2016-03-27", "DATE_DEBUT": "2016-07-01" } }, "META_COMMUN": { "ID": "LEGIARTI000032225924", "URL": "article/LEGI/ARTI/00/00/32/22/59/LEGIARTI000032225924.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": "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": "LEGIARTI000032315988", "@num": "L313-13", "#text": "Code de la consommation - art. L313-13 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032433098", "@num": "L313-27", "#text": "Code de la consommation - art. L313-27 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303447", "@num": "L341-24", "#text": "Code de la consommation - art. L341-24 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303420", "@num": "L341-27", "#text": "Code de la consommation - art. L341-27 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303403", "@num": "L341-31", "#text": "Code de la consommation - art. L341-31 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000032225932", "@fin": "2999-01-01", "#text": "Section 5 : Formation du contrat de crédit", "@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": "LEGIARTI000032225924", "@fin": "2016-03-27", "@num": "L313-12", "@etat": "MODIFIE_MORT_NE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000032315994", "@fin": "2999-01-01", "@num": "L313-12", "@etat": "VIGUEUR", "@debut": "2016-07-01", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

\n
Toute modification des conditions d'obtention d'un prêt dont le taux d'intérêt est fixe, notamment le montant ou le taux du crédit, donne lieu à la remise à l'emprunteur d'une nouvelle offre préalable.

" } }, "LEGIARTI000032225926": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L313-11", "ETAT": "TRANSFERE", "TYPE": "AUTONOME", "DATE_FIN": "2016-10-01", "DATE_DEBUT": "2016-07-01" } }, "META_COMMUN": { "ID": "LEGIARTI000032225926", "URL": "article/LEGI/ARTI/00/00/32/22/59/LEGIARTI000032225926.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": "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": "LEGIARTI000032315988", "@num": "L313-13", "#text": "Code de la consommation - art. L313-13 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032433085", "@num": "L313-26", "#text": "Code de la consommation - art. L313-26 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303447", "@num": "L341-24", "#text": "Code de la consommation - art. L341-24 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303420", "@num": "L341-27", "#text": "Code de la consommation - art. L341-27 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303403", "@num": "L341-31", "#text": "Code de la consommation - art. L341-31 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000032225932", "@fin": "2999-01-01", "#text": "Section 5 : Formation du contrat de crédit", "@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": "TRANSFERE", "LIEN_ART": { "@id": "LEGIARTI000032225926", "@fin": "2016-10-01", "@num": "L313-11", "@etat": "TRANSFERE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000032315999", "@fin": "2999-01-01", "@num": "L313-11", "@etat": "VIGUEUR", "@debut": "2016-10-01", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

\n
Le modèle de l'offre mentionnée aux articles L. 313-9 et L. 313-10 est fixé par arrêté du ministre chargé de l'économie.

" } }, "LEGIARTI000032225940": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L313-7", "ETAT": "MODIFIE", "TYPE": "AUTONOME", "DATE_FIN": "2016-10-01", "DATE_DEBUT": "2016-07-01" } }, "META_COMMUN": { "ID": "LEGIARTI000032225940", "URL": "article/LEGI/ARTI/00/00/32/22/59/LEGIARTI000032225940.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": "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": "LEGIARTI000032315999", "@num": "L313-11", "#text": "Code de la consommation - art. L313-11 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032433069", "@num": "L313-24", "#text": "Code de la consommation - art. L313-24 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@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": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "#text": "Code de la consommation - art. L313-9 (VD)", "@sens": "source", "@typelien": "CONCORDE" }, { "@id": "LEGIARTI000047284880", "@num": "L314-32", "#text": "Code de la consommation - art. L314-32 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303447", "@num": "L341-24", "#text": "Code de la consommation - art. L341-24 (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 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000045271995", "@num": "L341-26", "#text": "Code de la consommation - art. L341-26 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032807248", "@num": "R222-2", "#text": "Code de la consommation - art. R222-2 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000036769096", "@num": "R313-30", "#text": "Code de la consommation - art. R313-30 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000036769200", "@num": "R313-4", "#text": "Code de la consommation - art. R313-4 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032807516", "@num": "R313-5", "#text": "Code de la consommation - art. R313-5 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000036769196", "@num": "R313-6", "#text": "Code de la consommation - art. R313-6 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000036769189", "@num": "R313-7", "#text": "Code de la consommation - art. R313-7 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000036769212", "@num": "R314-19", "#text": "Code de la consommation - art. R314-19 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032807608", "@num": "R314-3", "#text": "Code de la consommation - art. R314-3 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032807764", "@num": "R341-20", "#text": "Code de la consommation - art. R341-20 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000035190254", "@num": "R351-5", "#text": "Code de la consommation - art. R351-5 (V)", "@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", "LIEN_ART": { "@id": "LEGIARTI000032225940", "@fin": "2016-10-01", "@num": "L313-7", "@etat": "MODIFIE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000032316031", "@fin": "2018-04-01", "@num": "L313-7", "@etat": "MODIFIE", "@debut": "2016-10-01", "@origine": "LEGI" } }, { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000035731518", "@fin": "2999-01-01", "@num": "L313-7", "@etat": "VIGUEUR", "@debut": "2018-04-01", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

\n
Tout intermédiaire d'assurance ou organisme assureur au sens du code des assurances proposant à l'emprunteur une assurance en couverture d'un crédit immobilier est soumis aux obligations prévues à l'article L. 313-6.

" } }, "LEGIARTI000032225943": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L313-6", "ETAT": "TRANSFERE", "TYPE": "AUTONOME", "DATE_FIN": "2016-10-01", "DATE_DEBUT": "2016-07-01" } }, "META_COMMUN": { "ID": "LEGIARTI000032225943", "URL": "article/LEGI/ARTI/00/00/32/22/59/LEGIARTI000032225943.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": "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": "LEGIARTI000032432422", "@num": "L313-8", "#text": "Code de la consommation - art. L313-8 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303451", "@num": "L341-23", "#text": "Code de la consommation - art. L341-23 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303447", "@num": "L341-24", "#text": "Code de la consommation - art. L341-24 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032807508", "@num": "R313-3", "#text": "Code de la consommation - art. R313-3 (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": "TRANSFERE", "LIEN_ART": { "@id": "LEGIARTI000032225943", "@fin": "2016-10-01", "@num": "L313-6", "@etat": "TRANSFERE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000032432037", "@fin": "2999-01-01", "@num": "L313-6", "@etat": "VIGUEUR", "@debut": "2016-10-01", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

\n
Tout document remis à l'emprunteur préalablement à la formulation de l'offre mentionnée à l'article L. 313-9 et comportant un ou plusieurs éléments chiffrés sur l'assurance de groupe mentionnée au premier alinéa de l'article L. 313-14 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 effectif global annuel ;
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. 313-8 ainsi que la notice mentionnée au 1° de l'article L. 313-14.

" } }, "LEGIARTI000032297606": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "5", "TYPE": "ENTIEREMENT_MODIF", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2999-01-01" } }, "META_COMMUN": { "ID": "LEGIARTI000032297606", "URL": "article/LEGI/ARTI/00/00/32/29/76/LEGIARTI000032297606.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "LEGISCTA000032395825", "#text": "Code de la consommation - Section 4 : Règle de conduite et rémunération (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CREATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGISCTA000032395830", "#text": "Code de la consommation - Section 5 : Prêt viager hypothécaire (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGISCTA000032395212", "#text": "Code de la consommation - Sous-section 2 : Information précontractuelle d... (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CREATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGISCTA000032395254", "#text": "Code de la consommation - Sous-section 4 : Formation du contrat de crédit... (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032301891", "@num": "L341-25", "#text": "Code de la consommation - art. L341-25 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032395376", "@num": "L341-35", "#text": "Code de la consommation - art. 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L341-41 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032395726", "@num": "L341-42", "#text": "Code de la consommation - art. L341-42 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032395734", "@num": "L341-43", "#text": "Code de la consommation - art. L341-43 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032395763", "@num": "L341-45", "#text": "Code de la consommation - art. L341-45 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032395782", "@num": "L341-46", "#text": "Code de la consommation - art. L341-46 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032395811", "@num": "L341-47", "#text": "Code de la consommation - art. L341-47 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032306147", "@num": "L341-52", "#text": "Code de la consommation - art. L341-52 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CREATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGISCTA000032302481", "#text": "Code de la consommation - Paragraphe 1 : Sanctions civiles (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CREE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGISCTA000032302606", "#text": "Code de la consommation - Paragraphe 1 : Sanctions civiles (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CREE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGISCTA000032302619", "#text": "Code de la consommation - Paragraphe 2 : Sanctions pénales (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CREE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGISCTA000032302506", "#text": "Code de la consommation - Paragraphe 2 : Sanctions pénales (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CREE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGISCTA000032302474", "#text": "Code de la consommation - Sous-section 3 : Explications fournies à l'empr... (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CREE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGISCTA000032302601", "#text": "Code de la consommation - Sous-section 5 : Exécution du contrat de crédit (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CREE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGISCTA000032302632", "#text": "Code de la consommation - Sous-section 6 : Dispositions communes aux sanc... (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CREE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225608", "@num": "L341-23", "#text": "Code de la consommation - art. 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L341-27 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225596", "@num": "L341-28", "#text": "Code de la consommation - art. L341-28 (V)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "TRANSFERE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303416", "@num": "L341-28", "#text": "Code de la consommation - art. L341-28 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225594", "@num": "L341-29", "#text": "Code de la consommation - art. L341-29 (V)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "TRANSFERE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303411", "@num": "L341-29", "#text": "Code de la consommation - art. 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L341-58 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CREE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303060", "@num": "L341-59", "#text": "Code de la consommation - art. L341-59 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CREE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303066", "@num": "L341-60", "#text": "Code de la consommation - art. L341-60 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CREE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303072", "@num": "L341-61", "#text": "Code de la consommation - art. L341-61 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CREE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006417202", "@num": "121-2", "#text": "Code pénal - art. 121-2", "@sens": "source", "@cidtexte": "LEGITEXT000006070719", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006417291", "@num": "131-27", "#text": "Code pénal - art. 131-27", "@sens": "source", "@cidtexte": "LEGITEXT000006070719", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006417335", "@num": "131-39", "#text": "Code pénal - art. 131-39", "@sens": "source", "@cidtexte": "LEGITEXT000006070719", "@typelien": "CITATION", "@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": "LEGIARTI000032297606", "@fin": "2999-01-01", "@num": "5", "@debut": "2999-01-01", "@origine": "LEGI" } }, { "LIEN_ART": { "@id": "JORFARTI000032294302", "@fin": "2999-01-01", "@num": "5", "@debut": "2999-01-01", "@origine": "JORF" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

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A modifié les dispositions suivantes :

-Code de la consommation
Sct. Sous-section 4 : Formation du contrat de crédit et du contrat principal
\n

\n
\n

A modifié les dispositions suivantes :

-Code de la consommation
\nArt. L341-23, Art. L341-34, Art. L341-24, Art. L341-35, Art. L341-25, Art. L341-36, Art. L341-26, Art. L341-37, Art. L341-27, Art. L341-38, Art. L341-28, Art. L341-39, Art. L341-29, Art. L341-40, Art. L341-30, Art. L341-41, Art. L341-31, Art. L341-42, Art. L341-32, Art. L341-43, Sct. Sous-section 2 : Information précontractuelle de l'emprunteur, Sct. Paragraphe 1 : Sanctions civiles, \nSct. Sous-section 3 : Explications fournies à l'emprunteur et évaluation de sa solvabilité, Sct. Paragraphe 1 : Sanctions civiles, Art. L341-33, Art. L341-44, Sct. Sous-section 5 : Exécution du contrat de crédit, Sct. Paragraphe 1 : Sanctions civiles, Art. L341-45, Art. L341-46, Sct. Sous-section 6 : Dispositions communes aux sanctions civiles, Art. L341-47
\n

\n
\n

A modifié les dispositions suivantes :

-Code de la consommation
\nArt. L341-35, Art. L341-48, Art. L341-36, Art. L341-49, Art. L341-37, Art. L341-50, Art. L341-38, Art. L341-51, Art. L341-39, Art. L341-53, Art. L341-40, Art. L341-54, Art. L341-41, Art. L341-55, Art. L341-42, Art. L341-56, Art. L341-43, Art. L341-57, Art. L341-44, Art. L341-58, Art. L341-45, Art. L341-59, Art. L341-46, Art. L341-60, Art. L341-47, Art. L341-61\n
\n

\n
\n
" } }, "LEGIARTI000032315994": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L313-12", "ETAT": "VIGUEUR", "TYPE": "AUTONOME", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2016-07-01" } }, "META_COMMUN": { "ID": "LEGIARTI000032315994", "URL": "article/LEGI/ARTI/00/00/32/31/59/LEGIARTI000032315994.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "#text": "Ordonnance n°2016-301 du 14 mars 2016 - art.", "@sens": "source", "@cidtexte": "JORFTEXT000032209352", "@typelien": "CODIFICATION" }, { "@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": "LEGIARTI000032315988", "@num": "L313-13", "#text": "Code de la consommation - art. L313-13 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032222257", "@num": "L313-16", "#text": "Code de la consommation - art. L313-16 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303447", "@num": "L341-24", "#text": "Code de la consommation - art. L341-24 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303420", "@num": "L341-27", "#text": "Code de la consommation - art. L341-27 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303403", "@num": "L341-31", "#text": "Code de la consommation - art. L341-31 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000032324513", "@fin": "2999-01-01", "#text": "Sous-section 1 : Explications adéquates et mise en garde", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032225936", "@fin": "2999-01-01", "#text": "Section 4 : Explications fournies à l'emprunteur et évaluation de sa solvabilité", "@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": "LEGIARTI000032225924", "@fin": "2016-03-27", "@num": "L313-12", "@etat": "MODIFIE_MORT_NE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000032315994", "@fin": "2999-01-01", "@num": "L313-12", "@etat": "VIGUEUR", "@debut": "2016-07-01", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

Sans préjudice de l'examen de solvabilité mentionné à l'article L. 313-16, le prêteur ou l'intermédiaire de crédit met en garde gratuitement l'emprunteur lorsque, compte tenu de sa situation financière, un contrat de crédit peut induire des risques spécifiques pour lui.

" } }, "LEGIARTI000032315999": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L313-11", "ETAT": "VIGUEUR", "TYPE": "AUTONOME", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2016-10-01" } }, "META_COMMUN": { "ID": "LEGIARTI000032315999", "URL": "article/LEGI/ARTI/00/00/32/31/59/LEGIARTI000032315999.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "#text": "Ordonnance n°2016-301 du 14 mars 2016 - art.", "@sens": "source", "@cidtexte": "JORFTEXT000032209352", "@typelien": "CODIFICATION" }, { "@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": "LEGIARTI000032315988", "@num": "L313-13", "#text": "Code de la consommation - art. L313-13 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032222233", "@num": "L313-7", "#text": "Code de la consommation - art. L313-7 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303447", "@num": "L341-24", "#text": "Code de la consommation - art. L341-24 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303420", "@num": "L341-27", "#text": "Code de la consommation - art. L341-27 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303403", "@num": "L341-31", "#text": "Code de la consommation - art. L341-31 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000022952892", "@num": "L519-4-1", "#text": "Code monétaire et financier - art. L519-4-1 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000032324513", "@fin": "2999-01-01", "#text": "Sous-section 1 : Explications adéquates et mise en garde", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032225936", "@fin": "2999-01-01", "#text": "Section 4 : Explications fournies à l'emprunteur et évaluation de sa solvabilité", "@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": "TRANSFERE", "LIEN_ART": { "@id": "LEGIARTI000032225926", "@fin": "2016-10-01", "@num": "L313-11", "@etat": "TRANSFERE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000032315999", "@fin": "2999-01-01", "@num": "L313-11", "@etat": "VIGUEUR", "@debut": "2016-10-01", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

Le prêteur ou l'intermédiaire de crédit fournit gratuitement à l'emprunteur les explications adéquates lui permettant de déterminer si le ou les contrats de crédit proposés et les éventuels services accessoires sont adaptés à ses besoins et à sa situation financière.

Ces explications comprennent notamment :

1° Les informations contenues dans la fiche d'information standardisée européenne mentionnée à l'article L. 313-7, ainsi que, pour les intermédiaires de crédit, les obligations d'information prévues en application de l'article L. 519-4-1 du code monétaire et financier ;

2° Les principales caractéristiques du ou des crédits et services accessoires proposés ;

3° Les effets spécifiques que le ou les crédits et services accessoires proposés peuvent avoir sur l'emprunteur, y compris les conséquences d'un défaut de paiement de l'emprunteur, notamment en cas de réalisation des garanties. Lorsque la garantie est constituée par un cautionnement accordé par un organisme de cautionnement professionnel, le prêteur informe l'emprunteur de la nature, des bénéficiaires et des conditions dans lesquelles celle-ci peut être actionnée et des conséquences pour l'emprunteur ;

4° S'agissant des éventuels services accessoires liés au contrat de crédit, l'indication de la possibilité ou non de résilier chaque composante séparément et les implications d'une telle procédure pour l'emprunteur.

" } }, "LEGIARTI000032316031": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L313-7", "ETAT": "MODIFIE", "TYPE": "AUTONOME", "DATE_FIN": "2018-04-01", "DATE_DEBUT": "2016-10-01" } }, "META_COMMUN": { "ID": "LEGIARTI000032316031", "URL": "article/LEGI/ARTI/00/00/32/31/60/LEGIARTI000032316031.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "NOTA": { "CONTENU": "

(1) Aux termes de l'ordonnance n° 2016-351 du 25 mars 2016, article 13 III : L'article L. 313-7, dans sa rédaction issue de la présente ordonnance, entre en vigueur le 1er octobre 2016, à l'exception de la mention, au sein de la fiche d'information standardisée européenne mentionnée à l'article L. 313-7, de la rémunération de l'intermédiaire de crédit, applicable à compter du 1er janvier 2017 au plus tard, selon les modalités précisées par décret en Conseil d'Etat.

\n
" }, "LIENS": { "LIEN": [ { "#text": "Code de la consommation - art. L313-9 (VD)", "@sens": "source", "@typelien": "CONCORDE" }, { "#text": "Ordonnance n°2016-301 du 14 mars 2016 - art.", "@sens": "source", "@cidtexte": "JORFTEXT000032209352", "@typelien": "CODIFICATION" }, { "@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": "LEGIARTI000032315999", "@num": "L313-11", "#text": "Code de la consommation - art. L313-11 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032433069", "@num": "L313-24", "#text": "Code de la consommation - art. L313-24 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000047284880", "@num": "L314-32", "#text": "Code de la consommation - art. L314-32 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303447", "@num": "L341-24", "#text": "Code de la consommation - art. L341-24 (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 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000045271995", "@num": "L341-26", "#text": "Code de la consommation - art. L341-26 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032807248", "@num": "R222-2", "#text": "Code de la consommation - art. R222-2 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000036769096", "@num": "R313-30", "#text": "Code de la consommation - art. R313-30 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000036769200", "@num": "R313-4", "#text": "Code de la consommation - art. R313-4 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032807516", "@num": "R313-5", "#text": "Code de la consommation - art. R313-5 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000036769196", "@num": "R313-6", "#text": "Code de la consommation - art. R313-6 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000036769189", "@num": "R313-7", "#text": "Code de la consommation - art. R313-7 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000036769212", "@num": "R314-19", "#text": "Code de la consommation - art. R314-19 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032807608", "@num": "R314-3", "#text": "Code de la consommation - art. R314-3 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032807764", "@num": "R341-20", "#text": "Code de la consommation - art. R341-20 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000035190254", "@num": "R351-5", "#text": "Code de la consommation - art. R351-5 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000032225949", "@fin": "2016-10-01", "#text": "Sous-section 1 : Fiche d'information standardisée européenne", "@debut": "2016-07-01" }, { "@id": "LEGISCTA000032432407", "@fin": "2999-01-01", "#text": "Sous-section 1 : Fiche d'information standardisée européenne", "@debut": "2016-10-01" } ] }, "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", "LIEN_ART": { "@id": "LEGIARTI000032225940", "@fin": "2016-10-01", "@num": "L313-7", "@etat": "MODIFIE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000032316031", "@fin": "2018-04-01", "@num": "L313-7", "@etat": "MODIFIE", "@debut": "2016-10-01", "@origine": "LEGI" } }, { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000035731518", "@fin": "2999-01-01", "@num": "L313-7", "@etat": "VIGUEUR", "@debut": "2018-04-01", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

Au plus tard lors de l'émission de l'offre de crédit, le prêteur ou l'intermédiaire de crédit communique à l'emprunteur, par écrit ou sur un autre support durable, sous la forme d'une fiche d'information standardisée européenne, les informations personnalisées permettant à l'emprunteur de comparer les différentes offres de crédit disponibles sur le marché, d'évaluer leurs implications et de se déterminer en toute connaissance de cause sur l'opportunité de conclure un contrat de crédit.

Un décret en Conseil d'Etat fixe la liste et le contenu des informations devant figurer dans cette fiche d'information standardisée européenne à fournir pour l'offre de crédit ainsi que les conditions de sa présentation.

Toutes les informations complémentaires que le prêteur souhaite donner à l'emprunteur sont fournies dans un document distinct de la fiche mentionnée au présent article.

L'ensemble des informations fourni en application du présent article l'est gratuitement.

" } }, "LEGIARTI000032432037": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L313-6", "ETAT": "VIGUEUR", "TYPE": "AUTONOME", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2016-10-01" } }, "META_COMMUN": { "ID": "LEGIARTI000032432037", "URL": "article/LEGI/ARTI/00/00/32/43/20/LEGIARTI000032432037.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@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": "LEGIARTI000032222205", "@num": "L313-1", "#text": "Code de la consommation - art. L313-1 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303451", "@num": "L341-23", "#text": "Code de la consommation - art. L341-23 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303447", "@num": "L341-24", "#text": "Code de la consommation - art. L341-24 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032807508", "@num": "R313-3", "#text": "Code de la consommation - art. R313-3 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000032225955", "@fin": "2016-10-01", "#text": "Sous-section 2 : Informations générales", "@debut": "2016-07-01" }, { "@id": "LEGISCTA000032432091", "@fin": "2999-01-01", "#text": "Sous-section 2 : Informations générales", "@debut": "2016-10-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032225965", "@fin": "2999-01-01", "#text": "Section 2 : Publicité et informations générales", "@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": "TRANSFERE", "LIEN_ART": { "@id": "LEGIARTI000032225943", "@fin": "2016-10-01", "@num": "L313-6", "@etat": "TRANSFERE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000032432037", "@fin": "2999-01-01", "@num": "L313-6", "@etat": "VIGUEUR", "@debut": "2016-10-01", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

Le prêteur assure la disponibilité permanente des informations générales, claires et compréhensibles, sur les contrats de crédit visés à l'article L. 313-1. L'intermédiaire de crédit assure également la disponibilité permanente des mêmes informations. Ces dernières sont délivrées sur papier, sur tout autre support durable ou sous forme électronique. Elles sont facilement accessibles et sont fournies gratuitement à l'emprunteur.

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\n

Un décret en Conseil d'Etat détermine la liste et le contenu de ces informations générales.

" } }, "LEGIARTI000032433253": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L313-46", "ETAT": "MODIFIE", "TYPE": "AUTONOME", "DATE_FIN": "2018-04-01", "DATE_DEBUT": "2016-07-01" } }, "META_COMMUN": { "ID": "LEGIARTI000032433253", "URL": "article/LEGI/ARTI/00/00/32/43/32/LEGIARTI000032433253.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@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": "LEGIARTI000018048009", "@num": "L312-14-2", "#text": "Code de la consommation - art. L312-14-2 (Ab)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225880", "@num": "L313-31", "#text": "Code de la consommation - art. L313-31 (MMN)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032310692", "@num": "L313-61", "#text": "Code de la consommation - art. L313-61 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303447", "@num": "L341-24", "#text": "Code de la consommation - art. L341-24 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032395763", "@num": "L341-45", "#text": "Code de la consommation - art. L341-45 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032807774", "@num": "R341-23", "#text": "Code de la consommation - art. R341-23 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000032225882", "@fin": "2999-01-01", "#text": "Sous-section 1 : Information de l'emprunteur", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032225884", "@fin": "2999-01-01", "#text": "Section 7 : Exécution du contrat de crédit", "@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": "LEGIARTI000032225846", "@fin": "2016-03-27", "@num": "L313-46", "@etat": "MODIFIE_MORT_NE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000032433253", "@fin": "2018-04-01", "@num": "L313-46", "@etat": "MODIFIE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000035731472", "@fin": "2999-01-01", "@num": "L313-46", "@etat": "VIGUEUR", "@debut": "2018-04-01", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

Pour les prêts dont le taux d'intérêt est variable ou révisable, le prêteur est tenu, une fois par an, de porter à la connaissance de l'emprunteur le montant du capital restant à rembourser.

En cas de modification du taux débiteur, l'emprunteur en est informé par écrit ou sur un autre support durable, avant que la modification n'entre en vigueur. Cette information indique le montant des échéances après l'entrée en vigueur du nouveau taux débiteur ainsi que, le cas échéant, toute modification du nombre ou de la périodicité des échéances.

Lorsque la modification du taux débiteur résulte d'une variation du taux de référence, que le nouveau taux de référence est rendu public par des moyens appropriés et que l'information relative au nouveau taux de référence est également disponible dans les locaux du prêteur, les parties peuvent convenir dans le contrat de crédit que cette information est communiquée périodiquement à l'emprunteur avec le montant des nouveaux paiements périodiques.

Lorsque le contrat de crédit est un crédit à taux variable ou révisable, le prêteur veille à utiliser un indice ou taux de référence clair, accessible, objectif et vérifiable. Il conserve des archives des indices utilisés pour calculer les taux débiteurs.

Le prêteur fournit gratuitement à l'emprunteur les informations fournies mentionnées au présent article.

" } }, "LEGIARTI000032433259": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L313-47", "ETAT": "MODIFIE", "TYPE": "AUTONOME", "DATE_FIN": "2016-10-10", "DATE_DEBUT": "2016-07-01" } }, "META_COMMUN": { "ID": "LEGIARTI000032433259", "URL": "article/LEGI/ARTI/00/00/32/43/32/LEGIARTI000032433259.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@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": "LEGIARTI000032237064", "@num": "L312-21", "#text": "Code de la consommation - art. L312-21, alinéas 1 et 2 (Ab)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225876", "@num": "L313-32", "#text": "Code de la consommation - art. L313-32 (MMN)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032310658", "@num": "L313-49", "#text": "Code de la consommation - art. L313-49 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032310694", "@num": "L313-62", "#text": "Code de la consommation - art. L313-62 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303447", "@num": "L341-24", "#text": "Code de la consommation - art. L341-24 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032807572", "@num": "R313-25", "#text": "Code de la consommation - art. R313-25 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006436387", "@num": "1152", "#text": "Code civil - art. 1152 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006070721", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000032225878", "@fin": "2999-01-01", "#text": "Sous-section 2 : Remboursement anticipé", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032225884", "@fin": "2999-01-01", "#text": "Section 7 : Exécution du contrat de crédit", "@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": "LEGIARTI000032225844", "@fin": "2016-03-27", "@num": "L313-47", "@etat": "MODIFIE_MORT_NE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000032433259", "@fin": "2016-10-10", "@num": "L313-47", "@etat": "MODIFIE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000032890846", "@fin": "2018-04-01", "@num": "L313-47", "@etat": "MODIFIE", "@debut": "2016-10-10", "@origine": "LEGI" } }, { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000035731469", "@fin": "2999-01-01", "@num": "L313-47", "@etat": "VIGUEUR", "@debut": "2018-04-01", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

L'emprunteur peut toujours, à son initiative, rembourser par anticipation, en partie ou en totalité, les prêts régis par les sections 1 à 5 du présent chapitre. Le contrat de prêt peut interdire les remboursements égaux ou inférieurs à 10 % du montant initial du prêt, sauf s'il s'agit de son solde.

Si le contrat de prêt comporte une clause aux termes de laquelle, en cas de remboursement par anticipation, le prêteur est en droit d'exiger une indemnité au titre des intérêts non encore échus, celle-ci ne peut, sans préjudice de l'application de l'article 1152 du code civil, excéder un montant qui, dépendant de la durée restant à courir du contrat, est fixé suivant un barème déterminé par décret.

Le prêteur communique gratuitement sans tarder à l'emprunteur, après réception de la demande de remboursement par anticipation, sur support papier ou sur un autre support durable, les informations nécessaires à l'examen de cette faculté. Ces informations chiffrent au moins les conséquences qui s'imposeront à l'emprunteur s'il s'acquitte de ses obligations avant l'expiration du contrat de crédit et formule clairement les hypothèses utilisées.

" } }, "LEGIARTI000032890846": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L313-47", "ETAT": "MODIFIE", "TYPE": "AUTONOME", "DATE_FIN": "2018-04-01", "DATE_DEBUT": "2016-10-10" } }, "META_COMMUN": { "ID": "LEGIARTI000032890846", "URL": "article/LEGI/ARTI/00/00/32/89/08/LEGIARTI000032890846.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "LEGIARTI000032006591", "@num": "2", "#text": "Ordonnance n°2016-131 du 10 février 2016 - art. 2", "@sens": "source", "@cidtexte": "JORFTEXT000032004939", "@nortexte": "JUSC1522466R", "@numtexte": "2016-131", "@typelien": "MODIFICATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2016-02-10" }, { "@id": "LEGIARTI000032237064", "@num": "L312-21", "#text": "Code de la consommation - art. L312-21, alinéas 1 et 2 (Ab)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225876", "@num": "L313-32", "#text": "Code de la consommation - art. L313-32 (MMN)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032310658", "@num": "L313-49", "#text": "Code de la consommation - art. L313-49 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032310694", "@num": "L313-62", "#text": "Code de la consommation - art. L313-62 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303447", "@num": "L341-24", "#text": "Code de la consommation - art. L341-24 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032807572", "@num": "R313-25", "#text": "Code de la consommation - art. R313-25 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032010131", "@num": "1231-5", "#text": "Code civil - art. 1231-5 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006070721", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000032225878", "@fin": "2999-01-01", "#text": "Sous-section 2 : Remboursement anticipé", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032225884", "@fin": "2999-01-01", "#text": "Section 7 : Exécution du contrat de crédit", "@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": "LEGIARTI000032225844", "@fin": "2016-03-27", "@num": "L313-47", "@etat": "MODIFIE_MORT_NE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000032433259", "@fin": "2016-10-10", "@num": "L313-47", "@etat": "MODIFIE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000032890846", "@fin": "2018-04-01", "@num": "L313-47", "@etat": "MODIFIE", "@debut": "2016-10-10", "@origine": "LEGI" } }, { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000035731469", "@fin": "2999-01-01", "@num": "L313-47", "@etat": "VIGUEUR", "@debut": "2018-04-01", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

Si le contrat de prêt comporte une clause aux termes de laquelle, en cas de remboursement par anticipation, le prêteur est en droit d'exiger une indemnité au titre des intérêts non encore échus, celle-ci ne peut, sans préjudice de l'application de l'article 1231-5 code civil, excéder un montant qui, dépendant de la durée restant à courir du contrat, est fixé suivant un barème déterminé par décret.

" } }, "LEGIARTI000035731469": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L313-47", "ETAT": "VIGUEUR", "TYPE": "AUTONOME", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2018-04-01" } }, "META_COMMUN": { "ID": "LEGIARTI000035731469", "URL": "article/LEGI/ARTI/00/00/35/73/14/LEGIARTI000035731469.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@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": "LEGIARTI000032237064", "@num": "L312-21", "#text": "Code de la consommation - art. L312-21, alinéas 1 et 2 (Ab)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225876", "@num": "L313-32", "#text": "Code de la consommation - art. L313-32 (MMN)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032310658", "@num": "L313-49", "#text": "Code de la consommation - art. L313-49 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032310694", "@num": "L313-62", "#text": "Code de la consommation - art. L313-62 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303447", "@num": "L341-24", "#text": "Code de la consommation - art. L341-24 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032807572", "@num": "R313-25", "#text": "Code de la consommation - art. R313-25 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032010131", "@num": "1231-5", "#text": "Code civil - art. 1231-5", "@sens": "source", "@cidtexte": "LEGITEXT000006070721", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000032225878", "@fin": "2999-01-01", "#text": "Sous-section 2 : Remboursement anticipé", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032225884", "@fin": "2999-01-01", "#text": "Section 7 : Exécution du contrat de crédit", "@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": "LEGIARTI000032225844", "@fin": "2016-03-27", "@num": "L313-47", "@etat": "MODIFIE_MORT_NE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000032433259", "@fin": "2016-10-10", "@num": "L313-47", "@etat": "MODIFIE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000032890846", "@fin": "2018-04-01", "@num": "L313-47", "@etat": "MODIFIE", "@debut": "2016-10-10", "@origine": "LEGI" } }, { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000035731469", "@fin": "2999-01-01", "@num": "L313-47", "@etat": "VIGUEUR", "@debut": "2018-04-01", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

Si le contrat de prêt comporte une clause aux termes de laquelle, en cas de remboursement par anticipation, le prêteur est en droit d'exiger une indemnité au titre des intérêts non encore échus, celle-ci ne peut, sans préjudice de l'application de l'article 1231-5 code civil, excéder un montant qui, dépendant de la durée restant à courir du contrat, est fixé suivant un barème déterminé par décret.

Le prêteur fournit gratuitement sans tarder à l'emprunteur, après réception de la demande de remboursement par anticipation, sur support papier ou sur un autre support durable, les informations nécessaires à l'examen de cette faculté. Ces informations chiffrent au moins les conséquences qui s'imposeront à l'emprunteur s'il s'acquitte de ses obligations avant l'expiration du contrat de crédit et formule clairement les hypothèses utilisées.

" } }, "LEGIARTI000035731472": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L313-46", "ETAT": "VIGUEUR", "TYPE": "AUTONOME", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2018-04-01" } }, "META_COMMUN": { "ID": "LEGIARTI000035731472", "URL": "article/LEGI/ARTI/00/00/35/73/14/LEGIARTI000035731472.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@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": "LEGIARTI000018048009", "@num": "L312-14-2", "#text": "Code de la consommation - art. L312-14-2 (Ab)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225880", "@num": "L313-31", "#text": "Code de la consommation - art. L313-31 (MMN)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032310692", "@num": "L313-61", "#text": "Code de la consommation - art. L313-61 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303447", "@num": "L341-24", "#text": "Code de la consommation - art. L341-24 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032395763", "@num": "L341-45", "#text": "Code de la consommation - art. L341-45 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032807774", "@num": "R341-23", "#text": "Code de la consommation - art. R341-23 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000032225882", "@fin": "2999-01-01", "#text": "Sous-section 1 : Information de l'emprunteur", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032225884", "@fin": "2999-01-01", "#text": "Section 7 : Exécution du contrat de crédit", "@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": "LEGIARTI000032225846", "@fin": "2016-03-27", "@num": "L313-46", "@etat": "MODIFIE_MORT_NE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000032433253", "@fin": "2018-04-01", "@num": "L313-46", "@etat": "MODIFIE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000035731472", "@fin": "2999-01-01", "@num": "L313-46", "@etat": "VIGUEUR", "@debut": "2018-04-01", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

Pour les prêts dont le taux d'intérêt est variable ou révisable, le prêteur est tenu, une fois par an, de fournir à l'emprunteur l'information relative au montant du capital restant à rembourser.

En cas de modification du taux débiteur, le prêteur fournit cette information à l'emprunteur sur support papier ou sur un autre support durable, avant que la modification n'entre en vigueur. Cette information indique le montant des échéances après l'entrée en vigueur du nouveau taux débiteur ainsi que, le cas échéant, toute modification du nombre ou de la périodicité des échéances.

Lorsque la modification du taux débiteur résulte d'une variation du taux de référence, que le nouveau taux de référence est rendu public par des moyens appropriés et que l'information relative au nouveau taux de référence est également disponible dans les locaux du prêteur, les parties peuvent convenir dans le contrat de crédit que cette information est fournie périodiquement à l'emprunteur avec le montant des nouveaux paiements périodiques.

Le prêteur fournit gratuitement à l'emprunteur les informations fournies mentionnées au présent article.

" } }, "LEGIARTI000035731518": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L313-7", "ETAT": "VIGUEUR", "TYPE": "AUTONOME", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2018-04-01" } }, "META_COMMUN": { "ID": "LEGIARTI000035731518", "URL": "article/LEGI/ARTI/00/00/35/73/15/LEGIARTI000035731518.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "NOTA": { "CONTENU": "

\n
" }, "LIENS": { "LIEN": [ { "#text": "Ordonnance n°2016-301 du 14 mars 2016 - art.", "@sens": "source", "@cidtexte": "JORFTEXT000032209352", "@typelien": "CODIFICATION" }, { "@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": "LEGIARTI000032315999", "@num": "L313-11", "#text": "Code de la consommation - art. L313-11 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000035731498", "@num": "L313-24", "#text": "Code de la consommation - art. L313-24 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "#text": "Code de la consommation - art. L313-9 (VD)", "@sens": "source", "@typelien": "CONCORDE" }, { "@id": "LEGIARTI000047284880", "@num": "L314-32", "#text": "Code de la consommation - art. L314-32 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303447", "@num": "L341-24", "#text": "Code de la consommation - art. L341-24 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000045272001", "@num": "L341-25", "#text": "Code de la consommation - art. 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Au plus tard lors de l'émission de l'offre de crédit, le prêteur ou l'intermédiaire de crédit fournit à l'emprunteur, sur support papier ou sur un autre support durable, sous la forme d'une fiche d'information standardisée européenne, les informations personnalisées permettant à l'emprunteur de comparer les différentes offres de crédit disponibles sur le marché, d'évaluer leurs implications et de se déterminer en toute connaissance de cause sur l'opportunité de conclure un contrat de crédit.

Toutes les informations complémentaires que le prêteur souhaite donner à l'emprunteur sont fournies dans un document distinct de la fiche mentionnée au présent article.

L'ensemble des informations fourni en application du présent article l'est gratuitement.

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Le fait de rémunérer ou de faire rémunérer les personnels mentionnés aux quatrième et septième alinéas de l'article L. 314-23 dans des conditions contraires à ces dispositions est puni d'une amende de 30 000 euros.

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Article L341-24 AUTONOME VIGUEUR, en vigueur depuis le 01/07/2016 (Code de la consommation)