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Le prêteur tient des archives appropriées concernant les types de biens immobiliers acceptés comme garantie ainsi que les procédures qui s'y rapportent en matière d'octroi de prêts mentionnés au 2° de l'article L. 313-1.

" } }, "LEGIARTI000032225969": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L313-1", "ETAT": "MODIFIE_MORT_NE", "TYPE": "AUTONOME", "DATE_FIN": "2016-03-27", "DATE_DEBUT": "2016-07-01" } }, "META_COMMUN": { "ID": "LEGIARTI000032225969", "URL": "article/LEGI/ARTI/00/00/32/22/59/LEGIARTI000032225969.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "LEGIARTI000045987126", "@num": "1", "#text": "Arrêté du 24 août 2006 - art. 1 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000000643089", "@nortexte": "ECOT0614571A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2006-08-24" }, { "@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": "LEGIARTI000044536833", "@num": "Annexe à l'article R314-3", "#text": "Code de la consommation - art. Annexe à l'article R314-3 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000045928305", "@num": "D314-22", "#text": "Code de la consommation - art. D314-22 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000050367058", "@num": "L222-9", "#text": "Code de la consommation - art. L222-9 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000034072668", "@num": "L311-1", "#text": "Code de la consommation - art. L311-1 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000022436343", "@num": "L312-2", "#text": "Code de la consommation - art. 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L313-40 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032310667", "@num": "L313-53", "#text": "Code de la consommation - art. L313-53 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032432037", "@num": "L313-6", "#text": "Code de la consommation - art. L313-6 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303331", "@num": "L314-11", "#text": "Code de la consommation - art. L314-11 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303327", "@num": "L314-12", "#text": "Code de la consommation - art. 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\n
Les dispositions du présent chapitre s'appliquent aux prêts qui, quelle que soit leur qualification ou leur technique, sont consentis de manière habituelle par toute personne physique ou morale en vue de financer les opérations suivantes :
1° Pour les immeubles à usage d'habitation ou à usage professionnel et d'habitation :
a) Leur acquisition en propriété ou la souscription ou l'achat de parts ou actions de sociétés donnant vocation à leur attribution en propriété, y compris lorsque ces opérations visent également à permettre la réalisation de travaux de réparation, d'amélioration ou d'entretien de l'immeuble ainsi acquis ;
b) Leur acquisition en jouissance ou la souscription ou l'achat de parts ou actions de sociétés donnant vocation à leur attribution en jouissance, y compris lorsque ces opérations visent également à permettre la réalisation de travaux de réparation, d'amélioration ou d'entretien de l'immeuble ainsi acquis ;
c) Les dépenses relatives à leur réparation, leur amélioration ou leur entretien lorsque le montant du crédit est supérieur à 75 000 euros ;
d) Les dépenses relatives à leur construction ;
2° L'achat de terrains destinés à la construction des immeubles mentionnés au 1°.

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L313-31 (MMN)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@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": "TRANSFERE", "@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": "MODIFIE", "@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": "TRANSFERE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225874", "@num": "L313-33", "#text": "Code de la consommation - art. 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L313-35 (MMN)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225870", "@num": "L313-35", "#text": "Code de la consommation - art. L313-35 (MMN)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "TRANSFERE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225868", "@num": "L313-36", "#text": "Code de la consommation - art. L313-36 (MMN)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225868", "@num": "L313-36", "#text": "Code de la consommation - art. L313-36 (MMN)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "TRANSFERE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225866", "@num": "L313-37", "#text": "Code de la consommation - art. 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L313-39 (MMN)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225860", "@num": "L313-39", "#text": "Code de la consommation - art. L313-39 (MMN)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "TRANSFERE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032316048", "@num": "L313-4", "#text": "Code de la consommation - art. L313-4 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225858", "@num": "L313-40", "#text": "Code de la consommation - art. L313-40 (MMN)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225858", "@num": "L313-40", "#text": "Code de la consommation - art. L313-40 (MMN)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "TRANSFERE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225856", "@num": "L313-41", "#text": "Code de la consommation - art. L313-41 (MMN)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225856", "@num": "L313-41", "#text": "Code de la consommation - art. L313-41 (MMN)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "TRANSFERE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225854", "@num": "L313-42", "#text": "Code de la consommation - art. L313-42 (MMN)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225854", "@num": "L313-42", "#text": "Code de la consommation - art. L313-42 (MMN)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "TRANSFERE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225852", "@num": "L313-43", "#text": "Code de la consommation - art. L313-43 (MMN)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225852", "@num": "L313-43", "#text": "Code de la consommation - art. L313-43 (MMN)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "TRANSFERE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225850", "@num": "L313-44", "#text": "Code de la consommation - art. L313-44 (MMN)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "TRANSFERE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225850", "@num": "L313-44", "#text": "Code de la consommation - art. L313-44 (MMN)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225848", "@num": "L313-45", "#text": "Code de la consommation - art. L313-45 (MMN)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225848", "@num": "L313-45", "#text": "Code de la consommation - art. L313-45 (MMN)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "TRANSFERE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225846", "@num": "L313-46", "#text": "Code de la consommation - art. L313-46 (MMN)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225846", "@num": "L313-46", "#text": "Code de la consommation - art. L313-46 (MMN)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "TRANSFERE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225844", "@num": "L313-47", "#text": "Code de la consommation - art. L313-47 (MMN)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225844", "@num": "L313-47", "#text": "Code de la consommation - art. L313-47 (MMN)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "TRANSFERE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225842", "@num": "L313-48", "#text": "Code de la consommation - art. L313-48 (MMN)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225842", "@num": "L313-48", "#text": "Code de la consommation - art. 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L313-53 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CREE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032309756", "@num": "L313-54", "#text": "Code de la consommation - art. L313-54 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CREE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032310669", "@num": "L313-55", "#text": "Code de la consommation - art. L313-55 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CREE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032309768", "@num": "L313-56", "#text": "Code de la consommation - art. L313-56 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CREE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032310685", "@num": "L313-57", "#text": "Code de la consommation - art. L313-57 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CREE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032309780", "@num": "L313-58", "#text": "Code de la consommation - art. L313-58 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CREE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032309786", "@num": "L313-59", "#text": "Code de la consommation - art. L313-59 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CREE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225943", "@num": "L313-6", "#text": "Code de la consommation - art. L313-6 (MMN)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "TRANSFERE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032309792", "@num": "L313-60", "#text": "Code de la consommation - art. L313-60 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CREE", "@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": "CREE", "@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": "CREE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032309810", "@num": "L313-63", "#text": "Code de la consommation - art. L313-63 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CREE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032310708", "@num": "L313-64", "#text": "Code de la consommation - art. L313-64 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CREE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225940", "@num": "L313-7", "#text": "Code de la consommation - art. L313-7 (V)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "TRANSFERE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032316031", "@num": "L313-7", "#text": "Code de la consommation - art. L313-7 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225938", "@num": "L313-8", "#text": "Code de la consommation - art. L313-8 (MMN)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "TRANSFERE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225938", "@num": "L313-8", "#text": "Code de la consommation - art. L313-8 (MMN)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225930", "@num": "L313-9", "#text": "Code de la consommation - art. L313-9 (MMN)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225930", "@num": "L313-9", "#text": "Code de la consommation - art. L313-9 (MMN)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "TRANSFERE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006654300", "@num": "L511-6", "#text": "Code monétaire et financier - art. L511-6", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006657008", "@num": "L519-2", "#text": "Code monétaire et financier - art. L519-2", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000022952892", "@num": "L519-4-1", "#text": "Code monétaire et financier - art. L519-4-1", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@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": "LEGIARTI000032297602", "@fin": "2999-01-01", "@num": "3", "@debut": "2999-01-01", "@origine": "LEGI" } }, { "LIEN_ART": { "@id": "JORFARTI000032294294", "@fin": "2999-01-01", "@num": "3", "@debut": "2999-01-01", "@origine": "JORF" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "
A modifié les dispositions suivantes :

- Code de la consommation
\n Art. L313-31, Art. L313-46, Art. L313-32, Art. L313-47, Art. L313-33, Art. L313-48, Art. L313-34, Art. L313-49, Art. L313-35, Art. L313-50, Art. L313-36, Art. L313-51, Art. L313-37, Art. L313-52
\n

Article L313-23 AUTONOME VIGUEUR, en vigueur depuis le 01/07/2016 (Code de la consommation)