{ "article": { "LEGIARTI000032548952": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "2", "TYPE": "ENTIEREMENT_MODIF", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2999-01-01" } }, "META_COMMUN": { "ID": "LEGIARTI000032548952", "URL": "article/LEGI/ARTI/00/00/32/54/89/LEGIARTI000032548952.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "LEGIARTI000032549199", "@num": "D312-0-11", "#text": "Code de la consommation - art. D312-0-11 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CREE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032222269", "@num": "L313-22", "#text": "Code de la consommation - art. L313-22", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "@cid": "JORFTEXT000032547368", "@nor": "FCPT1531592D", "@num": "2016-622", "@nature": "DECRET", "TITRE_TXT": [ { "@fin": "2999-01-01", "#text": "Décret n° 2016-622 du 19 mai 2016 portant transposition de la directive 2014/17/UE du Parlement européen et du Conseil du 4 février 2014 sur les contrats de crédit aux consommateurs relatifs aux biens immobiliers à usage résidentiel et modifiant les directives 2008/48/CE et 2013/36/UE et le règlement (UE) n° 1093/2010", "@debut": "2999-01-01", "@id_txt": "JORFTEXT000032547368", "@c_titre_court": "Décret n°2016-622 du 19 mai 2016" }, { "@fin": "2016-07-01", "#text": "Décret n° 2016-622 du 19 mai 2016 portant transposition de la directive 2014/17/UE du Parlement européen et du Conseil du 4 février 2014 sur les contrats de crédit aux consommateurs relatifs aux biens immobiliers à usage résidentiel et modifiant les directives 2008/48/CE et 2013/36/UE et le règlement (UE) n° 1093/2010", "@debut": "2016-05-21", "@id_txt": "LEGITEXT000032548942", "@c_titre_court": "Décret n°2016-622 du 19 mai 2016" } ], "@ministere": "Ministère des finances et des comptes publics", "@date_publi": "2016-05-20", "@date_signature": "2016-05-19" } }, "VERSIONS": { "VERSION": [ { "LIEN_ART": { "@id": "LEGIARTI000032548952", "@fin": "2999-01-01", "@num": "2", "@debut": "2999-01-01", "@origine": "LEGI" } }, { "LIEN_ART": { "@id": "JORFARTI000032547381", "@fin": "2999-01-01", "@num": "2", "@debut": "2999-01-01", "@origine": "JORF" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "
A modifié les dispositions suivantes :

- Code de la consommation
Art. D312-0-11
\n

\n
" } }, "LEGIARTI000032225904": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L313-22", "ETAT": "MODIFIE_MORT_NE", "TYPE": "AUTONOME", "DATE_FIN": "2016-03-27", "DATE_DEBUT": "2016-07-01" } }, "META_COMMUN": { "ID": "LEGIARTI000032225904", "URL": "article/LEGI/ARTI/00/00/32/22/59/LEGIARTI000032225904.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": "LEGIARTI000032548952", "@num": "2", "#text": "Décret n°2016-622 du 19 mai 2016 - art. 2", "@sens": "cible", "@cidtexte": "JORFTEXT000032547368", "@nortexte": "FCPT1531592D", "@numtexte": "2016-622", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2016-05-19" }, { "@id": "LEGIARTI000032548956", "@num": "4", "#text": "Décret n°2016-622 du 19 mai 2016 - art. 4 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000032547368", "@nortexte": "FCPT1531592D", "@numtexte": "2016-622", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2016-05-19" }, { "@id": "LEGIARTI000032549199", "@num": "D312-0-11", "#text": "Code de la consommation - art. D312-0-11 (MMN)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032807556", "@num": "D313-20", "#text": "Code de la consommation - art. D313-20 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032433187", "@num": "L313-37", "#text": "Code de la consommation - art. L313-37 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032807770", "@num": "R341-22", "#text": "Code de la consommation - art. R341-22 (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": "LEGIARTI000032225904", "@fin": "2016-03-27", "@num": "L313-22", "@etat": "MODIFIE_MORT_NE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000032315888", "@fin": "2999-01-01", "@num": "L313-22", "@etat": "VIGUEUR", "@debut": "2016-07-01", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

\n
Lorsque l'emprunteur informe ses prêteurs qu'il recourt à plusieurs prêts pour la même opération, chaque prêt est conclu sous la condition suspensive de l'octroi de chacun des autres prêts. Cette disposition ne s'applique qu'aux prêts dont le montant est supérieur à 10 % du crédit total.

" } }, "LEGIARTI000032315888": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L313-22", "ETAT": "VIGUEUR", "TYPE": "AUTONOME", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2016-07-01" } }, "META_COMMUN": { "ID": "LEGIARTI000032315888", "URL": "article/LEGI/ARTI/00/00/32/31/58/LEGIARTI000032315888.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": "LEGIARTI000032548952", "@num": "2", "#text": "Décret n°2016-622 du 19 mai 2016 - art. 2", "@sens": "cible", "@cidtexte": "JORFTEXT000032547368", "@nortexte": "FCPT1531592D", "@numtexte": "2016-622", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2016-05-19" }, { "@id": "LEGIARTI000032548956", "@num": "4", "#text": "Décret n°2016-622 du 19 mai 2016 - art. 4 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000032547368", "@nortexte": "FCPT1531592D", "@numtexte": "2016-622", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2016-05-19" }, { "@id": "LEGIARTI000032549199", "@num": "D312-0-11", "#text": "Code de la consommation - art. D312-0-11 (MMN)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032807556", "@num": "D313-20", "#text": "Code de la consommation - art. D313-20 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032222265", "@num": "L313-20", "#text": "Code de la consommation - art. L313-20 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032807770", "@num": "R341-22", "#text": "Code de la consommation - art. R341-22 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000032324523", "@fin": "2999-01-01", "#text": "Sous-section 4 : Evaluation du bien immobilier", "@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": "LEGIARTI000032225904", "@fin": "2016-03-27", "@num": "L313-22", "@etat": "MODIFIE_MORT_NE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000032315888", "@fin": "2999-01-01", "@num": "L313-22", "@etat": "VIGUEUR", "@debut": "2016-07-01", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

L'évaluation mentionnée à l'article L. 313-20 donne lieu à la rédaction d'un document d'expertise prenant en compte, suivant les normes mentionnées au 2° du même article, les facteurs juridiques, économiques, techniques et fiscaux permettant d'établir la valeur du bien immobilier.
\n
Cette évaluation est consignée sur un support durable. La liste des pièces conservées par le prêteur est précisée par décret.

" } }, "LEGIARTI000032549199": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "D312-0-11", "ETAT": "MODIFIE_MORT_NE", "TYPE": "AUTONOME", "DATE_FIN": "2016-06-30", "DATE_DEBUT": "2016-07-01" } }, "META_COMMUN": { "ID": "LEGIARTI000032549199", "URL": "article/LEGI/ARTI/00/00/32/54/91/LEGIARTI000032549199.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "LEGIARTI000032548952", "@num": "2", "#text": "Décret n°2016-622 du 19 mai 2016 - art. 2", "@sens": "cible", "@cidtexte": "JORFTEXT000032547368", "@nortexte": "FCPT1531592D", "@numtexte": "2016-622", "@typelien": "CREE", "@naturetexte": "DECRET", "@datesignatexte": "2016-05-19" }, { "@id": "LEGIARTI000032803154", "@num": "8", "#text": "Décret n°2016-884 du 29 juin 2016 - art. 8", "@sens": "cible", "@cidtexte": "JORFTEXT000032797752", "@nortexte": "EINC1608218D", "@numtexte": "2016-884", "@typelien": "ABROGE", "@naturetexte": "DECRET", "@datesignatexte": "2016-06-29" }, { "@id": "LEGIARTI000032807556", "@num": "D313-20", "#text": "Code de la consommation - art. D313-20 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032222269", "@num": "L313-22", "#text": "Code de la consommation - art. L313-22", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000032545188", "@fin": "2016-06-30", "#text": "Sous-section 3 : Evaluation du bien immobilier", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032545165", "@fin": "2016-07-01", "#text": "Section 3 : Explications fournies à l'emprunteur et évaluation de sa solvabilité", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006146623", "@fin": "2016-07-01", "#text": "Chapitre II : Crédit immobilier", "@debut": "1997-04-03" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006133645", "@fin": "2017-07-15", "#text": "Titre Ier : Crédit", "@debut": "1997-04-03" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006114380", "@fin": "2017-07-15", "#text": "Livre III : Endettement", "@debut": "1997-04-03" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006084139", "@fin": "2017-07-15", "#text": "Partie réglementaire", "@debut": "1997-04-03" } ] }, "@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": "LEGIARTI000032549199", "@fin": "2016-06-30", "@num": "D312-0-11", "@etat": "MODIFIE_MORT_NE", "@debut": "2016-07-01", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

Les pièces mentionnées à l'\narticle L. 313-22 du code de la consommation\nsont :
\n
1° Le document d'expertise et les pièces mentionnées à l'article L. 313-21 ;
\n
2° Les documents justifiant que l'expert satisfait aux exigences prévues à l'article L. 313-20.

" } } }, "article_lien": [ { "article_id": "LEGIARTI000032315888", "cible": true, "cidtexte": "JORFTEXT000032547368", "id": "LEGIARTI000032548952", "typelien": "CITATION" }, { "article_id": "LEGIARTI000032225904", "cible": true, "cidtexte": "JORFTEXT000032547368", "id": "LEGIARTI000032548952", "typelien": "CITATION" }, { "article_id": "LEGIARTI000032549199", "cible": true, "cidtexte": "JORFTEXT000032547368", "id": "LEGIARTI000032548952", "typelien": "CREE" } ], "follow": [ "LIENS.LIEN[@sens=cible,@typelien=CREATION].@id" ], "id": "LEGIARTI000032548952", "liens_entrants": true }