{ "article": { "LEGIARTI000032395763": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L341-45", "ETAT": "VIGUEUR", "TYPE": "AUTONOME", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2016-07-01" } }, "META_COMMUN": { "ID": "LEGIARTI000032395763", "URL": "article/LEGI/ARTI/00/00/32/39/57/LEGIARTI000032395763.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "LEGIARTI000032297606", "@num": "5", "#text": "Ordonnance n°2016-351 du 25 mars 2016 - art. 5", "@sens": "source", "@cidtexte": "JORFTEXT000032294277", "@nortexte": "FCPT1520257R", "@numtexte": "2016-351", "@typelien": "MODIFICATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2016-03-25" }, { "@id": "LEGIARTI000032222327", "@num": "L313-46", "#text": "Code de la consommation - art. L313-46 (V)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@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": "CONCORDE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000032302606", "@fin": "2999-01-01", "#text": "Paragraphe 1 : Sanctions civiles", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032302601", "@fin": "2999-01-01", "#text": "Sous-section 5 : Exécution du contrat de crédit", "@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": "LEGIARTI000032225549", "@fin": "2016-03-27", "@num": "L341-45", "@etat": "MODIFIE_MORT_NE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000032395763", "@fin": "2999-01-01", "@num": "L341-45", "@etat": "VIGUEUR", "@debut": "2016-07-01", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

Le prêteur qui n'a pas respecté l'obligation d'information de l'emprunteur en cas de modification du taux débiteur mentionnée à l'article L. 313-46 peut être déchu du droit aux intérêts, en totalité ou dans la proportion fixée par le juge.

" } }, "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.

" } }, "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. L341-35 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032395398", "@num": "L341-36", "#text": "Code de la consommation - art. L341-36 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032395415", "@num": "L341-37", "#text": "Code de la consommation - art. L341-37 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032395420", "@num": "L341-38", "#text": "Code de la consommation - art. L341-38 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032395639", "@num": "L341-39", "#text": "Code de la consommation - art. L341-39 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032395659", "@num": "L341-40", "#text": "Code de la consommation - art. L341-40 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032395699", "@num": "L341-41", "#text": "Code de la consommation - art. 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. L341-23 (V)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "TRANSFERE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303451", "@num": "L341-23", "#text": "Code de la consommation - art. L341-23 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225606", "@num": "L341-24", "#text": "Code de la consommation - art. L341-24 (V)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "TRANSFERE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303447", "@num": "L341-24", "#text": "Code de la consommation - art. L341-24 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225604", "@num": "L341-25", "#text": "Code de la consommation - art. L341-25 (MMN)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "TRANSFERE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225600", "@num": "L341-26", "#text": "Code de la consommation - art. L341-26 (V)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "TRANSFERE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303426", "@num": "L341-26", "#text": "Code de la consommation - art. L341-26 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225598", "@num": "L341-27", "#text": "Code de la consommation - art. L341-27 (V)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "TRANSFERE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303420", "@num": "L341-27", "#text": "Code de la consommation - art. 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. L341-29 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225592", "@num": "L341-30", "#text": "Code de la consommation - art. L341-30 (V)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "TRANSFERE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303407", "@num": "L341-30", "#text": "Code de la consommation - art. L341-30 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225589", "@num": "L341-31", "#text": "Code de la consommation - art. L341-31 (V)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "TRANSFERE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303403", "@num": "L341-31", "#text": "Code de la consommation - art. L341-31 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225587", "@num": "L341-32", "#text": "Code de la consommation - art. L341-32 (V)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "TRANSFERE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303399", "@num": "L341-32", "#text": "Code de la consommation - art. L341-32 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303393", "@num": "L341-33", "#text": "Code de la consommation - art. L341-33 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303383", "@num": "L341-34", "#text": "Code de la consommation - art. L341-34 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225577", "@num": "L341-35", "#text": "Code de la consommation - art. L341-35 (MMN)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "TRANSFERE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225573", "@num": "L341-36", "#text": "Code de la consommation - art. L341-36 (MMN)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "TRANSFERE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225571", "@num": "L341-37", "#text": "Code de la consommation - art. L341-37 (MMN)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "TRANSFERE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225569", "@num": "L341-38", "#text": "Code de la consommation - art. L341-38 (MMN)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "TRANSFERE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225563", "@num": "L341-39", "#text": "Code de la consommation - art. L341-39 (MMN)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "TRANSFERE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225561", "@num": "L341-40", "#text": "Code de la consommation - art. L341-40 (MMN)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "TRANSFERE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225559", "@num": "L341-41", "#text": "Code de la consommation - art. L341-41 (MMN)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "TRANSFERE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225555", "@num": "L341-42", "#text": "Code de la consommation - art. L341-42 (MMN)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "TRANSFERE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225553", "@num": "L341-43", "#text": "Code de la consommation - art. L341-43 (MMN)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "TRANSFERE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225551", "@num": "L341-44", "#text": "Code de la consommation - art. L341-44 (MMN)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "TRANSFERE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032395753", "@num": "L341-44", "#text": "Code de la consommation - art. L341-44 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225549", "@num": "L341-45", "#text": "Code de la consommation - art. L341-45 (MMN)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "TRANSFERE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225547", "@num": "L341-46", "#text": "Code de la consommation - art. L341-46 (MMN)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "TRANSFERE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225544", "@num": "L341-47", "#text": "Code de la consommation - art. L341-47 (MMN)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "TRANSFERE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032302966", "@num": "L341-48", "#text": "Code de la consommation - art. L341-48 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CREE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032302972", "@num": "L341-49", "#text": "Code de la consommation - art. L341-49 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CREE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032302978", "@num": "L341-50", "#text": "Code de la consommation - art. L341-50 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CREE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032302991", "@num": "L341-51", "#text": "Code de la consommation - art. L341-51 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CREE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303024", "@num": "L341-53", "#text": "Code de la consommation - art. L341-53 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CREE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303030", "@num": "L341-54", "#text": "Code de la consommation - art. L341-54 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CREE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303036", "@num": "L341-55", "#text": "Code de la consommation - art. L341-55 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CREE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303042", "@num": "L341-56", "#text": "Code de la consommation - art. L341-56 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CREE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303048", "@num": "L341-57", "#text": "Code de la consommation - art. L341-57 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CREE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303054", "@num": "L341-58", "#text": "Code de la consommation - art. 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": "

\n
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
" } }, "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.

" } }, "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.

" } }, "LEGIARTI000032306147": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L341-52", "ETAT": "VIGUEUR", "TYPE": "AUTONOME", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2016-07-01" } }, "META_COMMUN": { "ID": "LEGIARTI000032306147", "URL": "article/LEGI/ARTI/00/00/32/30/61/LEGIARTI000032306147.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "LEGIARTI000032297606", "@num": "5", "#text": "Ordonnance n°2016-351 du 25 mars 2016 - art. 5", "@sens": "source", "@cidtexte": "JORFTEXT000032294277", "@nortexte": "FCPT1520257R", "@numtexte": "2016-351", "@typelien": "CREATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2016-03-25" }, { "@id": "LEGIARTI000032222387", "@num": "L314-23", "#text": "Code de la consommation - art. L314-23 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000034130316", "@num": "L354-3", "#text": "Code de la consommation - art. L354-3 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000032395825", "@fin": "2017-02-23", "#text": "Section 4 : Règle de conduite et rémunération", "@debut": "2016-07-01" }, { "@id": "LEGISCTA000034072685", "@fin": "2999-01-01", "#text": "Section 5 : Règle de conduite et rémunération", "@debut": "2017-02-23" } ] }, "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": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000032306147", "@fin": "2999-01-01", "@num": "L341-52", "@etat": "VIGUEUR", "@debut": "2016-07-01", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

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.

" } } }, "article_lien": [ { "article_id": "LEGIARTI000032433253", "cible": true, "cidtexte": "LEGITEXT000006069565", "id": "LEGIARTI000032395763", "typelien": "CITATION" }, { "article_id": "LEGIARTI000035731472", "cible": true, "cidtexte": "LEGITEXT000006069565", "id": "LEGIARTI000032395763", "typelien": "CITATION" }, { "article_id": "LEGIARTI000032297606", "cible": true, "cidtexte": "LEGITEXT000006069565", "id": "LEGIARTI000032395763", "typelien": "MODIFICATION" }, { "article_id": "LEGIARTI000032225846", "cible": true, "cidtexte": "LEGITEXT000006069565", "id": "LEGIARTI000032395763", "typelien": "CITATION" } ], "section_ta": { "LEGISCTA000032395212": { "ID": "LEGISCTA000032395212", "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "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" } }, "TITRE_TA": "Sous-section 2 : Information précontractuelle de l'emprunteur", "STRUCTURE_TA": { "LIEN_ART": [ { "@id": "LEGIARTI000032301891", "@fin": "2019-07-19", "@num": "L341-25", "@etat": "MODIFIE", "@debut": "2016-07-01", "@origine": "LEGI" }, { "@id": "LEGIARTI000038782721", "@fin": "2022-06-01", "@num": "L341-25", "@etat": "MODIFIE", "@debut": "2019-07-19", "@origine": "LEGI" }, { "@id": "LEGIARTI000032303426", "@fin": "2019-07-19", "@num": "L341-26", "@etat": "MODIFIE", "@debut": "2016-07-01", "@origine": "LEGI" }, { "@id": "LEGIARTI000038782715", "@fin": "2022-06-01", "@num": "L341-26", "@etat": "MODIFIE", "@debut": "2019-07-19", "@origine": "LEGI" } ], "LIEN_SECTION_TA": [ { "@id": "LEGISCTA000045271317", "@cid": "LEGISCTA000045270732", "@fin": "2999-01-01", "@niv": 7, "@url": "/LEGI/SCTA/00/00/45/27/13/LEGISCTA000045271317.xml", "#text": "Paragraphe 1 : Sanctions civiles", "@etat": "VIGUEUR", "@debut": "2022-06-01" }, { "@id": "LEGISCTA000045271323", "@cid": "LEGISCTA000045270734", "@fin": "2999-01-01", "@niv": 7, "@url": "/LEGI/SCTA/00/00/45/27/13/LEGISCTA000045271323.xml", "#text": "Paragraphe 2 : Sanctions administratives", "@etat": "VIGUEUR", "@debut": "2022-06-01" } ] } }, "LEGISCTA000032395825": { "ID": "LEGISCTA000032395825", "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "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" } }, "TITRE_TA": "Section 4 : Règle de conduite et rémunération", "STRUCTURE_TA": { "LIEN_ART": [ { "@id": "LEGIARTI000032306147", "@fin": "2999-01-01", "@num": "L341-52", "@etat": "VIGUEUR", "@debut": "2016-07-01", "@origine": "LEGI" } ] } } }, "follow": [ "LIENS.LIEN[@sens=cible,@typelien=CREATION].@id" ], "id": "LEGIARTI000032395763", "liens_entrants": true }

Article L341-45 AUTONOME VIGUEUR, en vigueur depuis le 01/07/2016 (Code de la consommation)