{ "article": { "LEGIARTI000032433098": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L313-27", "ETAT": "MODIFIE", "TYPE": "AUTONOME", "DATE_FIN": "2018-04-01", "DATE_DEBUT": "2016-07-01" } }, "META_COMMUN": { "ID": "LEGIARTI000032433098", "URL": "article/LEGI/ARTI/00/00/32/43/30/LEGIARTI000032433098.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": "LEGIARTI000027783151", "@num": "L312-8", "#text": "Code de la consommation - art. L312-8, alinéa 11 (Ab)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225924", "@num": "L313-12", "#text": "Code de la consommation - art. L313-12 (MMN)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000045271938", "@num": "L313-28", "#text": "Code de la consommation - art. L313-28 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000045271953", "@num": "L313-31", "#text": "Code de la consommation - art. L313-31 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000036769102", "@num": "R313-24", "#text": "Code de la consommation - art. R313-24 (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": "LEGIARTI000032225892", "@fin": "2016-03-27", "@num": "L313-27", "@etat": "MODIFIE_MORT_NE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000032433098", "@fin": "2018-04-01", "@num": "L313-27", "@etat": "MODIFIE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000035731495", "@fin": "2999-01-01", "@num": "L313-27", "@etat": "VIGUEUR", "@debut": "2018-04-01", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

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.
\n

" } }, "LEGIARTI000027783151": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L312-8", "ETAT": "ABROGE", "TYPE": "AUTONOME", "DATE_FIN": "2016-07-01", "DATE_DEBUT": "2014-07-26" } }, "META_COMMUN": { "ID": "LEGIARTI000027783151", "URL": "article/LEGI/ARTI/00/00/27/78/31/LEGIARTI000027783151.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "NOTA": { "CONTENU": "

\n
\n

" }, "LIENS": { "LIEN": [ { "@id": "LEGIARTI000006508479", "@num": "5", "#text": "Loi n°79-596 du 13 juillet 1979 - art. 5 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000000886678", "@numtexte": "79-596", "@typelien": "CONCORDE", "@naturetexte": "LOI", "@datesignatexte": "1979-07-13" }, { "@id": "LEGIARTI000006319607", "@num": "87", "#text": "Loi n°96-314 du 12 avril 1996 - art. 87 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000000193354", "@nortexte": "ECOX9600004L", "@numtexte": "96-314", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "1996-04-12" }, { "@id": "LEGIARTI000006712469", "@num": "115", "#text": "Loi n°99-532 du 25 juin 1999 - art. 115 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000000395772", "@nortexte": "ECOX9800113L", "@numtexte": "99-532", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "1999-06-25" }, { "@id": "LEGIARTI000017959740", "@num": "25", "#text": "LOI n°2008-3 du 3 janvier 2008 - art. 25 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000017785995", "@nortexte": "ECEX0768213L", "@numtexte": "2008-3", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2008-01-03" }, { "@id": "LEGIARTI000027757609", "@num": "60", "#text": "LOI n°2013-672\n du 26 juillet 2013 - art. 60 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000027754539", "@nortexte": "EFIX1239994L", "@numtexte": "2013-672", "@typelien": "MODIFIE", "@naturetexte": "LOI", "@datesignatexte": "2013-07-26" }, { "@id": "LEGIARTI000029393586", "@num": "15", "#text": "ORDONNANCE n°2014-946 du 20 août 2014 - art. 15 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000029391124", "@nortexte": "FCPT1409820R", "@numtexte": "2014-946", "@typelien": "CITATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2014-08-20" }, { "@id": "LEGIARTI000029393570", "@num": "7", "#text": "ORDONNANCE n°2014-946 du 20 août 2014 - art. 7 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000029391124", "@nortexte": "FCPT1409820R", "@numtexte": "2014-946", "@typelien": "CITATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2014-08-20" }, { "@id": "LEGIARTI000032216175", "@num": "34", "#text": "Ordonnance n°2016-301 du 14 mars 2016 - art. 34 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000032209352", "@nortexte": "EINC1602822R", "@numtexte": "2016-301", "@typelien": "ABROGE", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2016-03-14" }, { "@id": "LEGIARTI000006292449", "@num": "L312-10", "#text": "Code de la consommation - art. L312-10", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000028748963", "@num": "L312-33", "#text": "Code de la consommation - art. L312-33 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000028748108", "@num": "L312-9", "#text": "Code de la consommation - art. L312-9 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006292489", "@num": "L313-1", "#text": "Code de la consommation - art. L313-1", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000022436403", "@num": "L313-15", "#text": "Code de la consommation - art. L313-15 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032433078", "@num": "L313-25", "#text": "Code de la consommation - art. L313-25 (M)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032433098", "@num": "L313-27", "#text": "Code de la consommation - art. L313-27 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032433125", "@num": "L313-28", "#text": "Code de la consommation - art. L313-28 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000006161864", "@fin": "2016-07-01", "#text": "Section 3 : Le contrat de crédit", "@debut": "1993-07-27" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006146579", "@fin": "2016-07-01", "#text": "Chapitre II : Crédit immobilier", "@debut": "1993-07-27" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006133626", "@fin": "2017-07-01", "#text": "Titre Ier : Crédit", "@debut": "1993-07-27" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006114373", "@fin": "2017-07-01", "#text": "Livre III : Endettement", "@debut": "1993-07-27" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006084133", "@fin": "2017-07-01", "#text": "Partie législative", "@debut": "1993-07-27" } ] }, "@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": "LEGIARTI000006292446", "@fin": "1996-04-13", "@num": "L312-8", "@etat": "MODIFIE", "@debut": "1993-07-27", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006292447", "@fin": "2008-01-05", "@num": "L312-8", "@etat": "MODIFIE", "@debut": "1996-04-13", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000018048004", "@fin": "2010-09-01", "@num": "L312-8", "@etat": "MODIFIE", "@debut": "2008-01-05", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000022436388", "@fin": "2014-07-26", "@num": "L312-8", "@etat": "MODIFIE", "@debut": "2010-09-01", "@origine": "LEGI" } }, { "@etat": "ABROGE", "LIEN_ART": { "@id": "LEGIARTI000027783151", "@fin": "2016-07-01", "@num": "L312-8", "@etat": "ABROGE", "@debut": "2014-07-26", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

L'offre définie à l'article précédent :

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1° Mentionne l'identité des parties, et éventuellement des cautions déclarées ;

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\n

2° Précise la nature, l'objet, les modalités du prêt, notamment celles qui sont relatives aux dates et conditions de mise à disposition des fonds ;

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2° bis Pour les offres de prêts dont le taux d'intérêt est fixe, comprend un échéancier des amortissements détaillant pour chaque échéance la répartition du remboursement entre le capital et les intérêts ;

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\n

2° ter Pour les offres de prêts dont le taux d'intérêt est variable, est accompagnée d'une notice présentant les conditions et modalités de variation du taux d'intérêt et d'un document d'information contenant une simulation de l'impact d'une variation de ce taux sur les mensualités, la durée du prêt et le coût total du crédit. Cette simulation ne constitue pas un engagement du prêteur à l'égard de l'emprunteur quant à l'évolution effective des taux d'intérêt pendant le prêt et à son impact sur les mensualités, la durée du prêt et le coût total du crédit. Le document d'information mentionne le caractère indicatif de la simulation et l'absence de responsabilité du prêteur quant à l'évolution effective des taux d'intérêt pendant le prêt et à son impact sur les mensualités, la durée du prêt et le coût total du crédit ;

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\n

3° Indique, outre le montant du crédit susceptible d'être consenti, et, le cas échéant, celui de ses fractions périodiquement disponibles, son coût total, son taux défini conformément à l'article L. 313-1 ainsi que, s'il y a lieu, les modalités de l'indexation ;

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\n

4° Enonce, en donnant une évaluation de leur coût, les stipulations, les assurances et les sûretés réelles ou personnelles exigées, qui conditionnent la conclusion du prêt ;

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4° bis Mentionne que l'emprunteur peut souscrire auprès de l'assureur de son choix une assurance dans les conditions fixées à l'article L. 312-9 ;

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5° Fait état des conditions requises pour un transfert éventuel du prêt à une tierce personne ;

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6° Rappelle les dispositions de l'article L. 312-10.

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Dans les cas où l'emprunteur présente un autre contrat d'assurance à la place du contrat d'assurance de groupe proposé par le prêteur dans les conditions prévues à l'article L. 312-9, le prêteur peut émettre une offre modifiée sous réserve de l'avant-dernier alinéa du même article, sans que les délais mentionnés à l'article L. 312-10 ne soient prorogés ni ne courent à nouveau.

\n
" } }, "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.

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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 L313-27 AUTONOME MODIFIE, en vigueur du 01/07/2016 au 01/04/2018 (Code de la consommation)