{ "article": { "LEGIARTI000035731495": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L313-27", "ETAT": "VIGUEUR", "TYPE": "AUTONOME", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2018-04-01" } }, "META_COMMUN": { "ID": "LEGIARTI000035731495", "URL": "article/LEGI/ARTI/00/00/35/73/14/LEGIARTI000035731495.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": "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 fourniture à l'emprunteur d'une nouvelle offre préalable sur support papier ou sur un autre support durable.

" } }, "LEGIARTI000035721942": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "13", "TYPE": "ENTIEREMENT_MODIF", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2999-01-01" } }, "META_COMMUN": { "ID": "LEGIARTI000035721942", "URL": "article/LEGI/ARTI/00/00/35/72/19/LEGIARTI000035721942.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "LEGIARTI000035731505", "@num": "L313-10", "#text": "Code de la consommation - art. L313-10 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000035731498", "@num": "L313-24", "#text": "Code de la consommation - art. L313-24 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000035731495", "@num": "L313-27", "#text": "Code de la consommation - art. L313-27 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000035731488", "@num": "L313-28", "#text": "Code de la consommation - art. L313-28 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000035731476", "@num": "L313-31", "#text": "Code de la consommation - art. L313-31 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000035731474", "@num": "L313-39", "#text": "Code de la consommation - art. L313-39 (VT)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000035731472", "@num": "L313-46", "#text": "Code de la consommation - art. L313-46 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000035731469", "@num": "L313-47", "#text": "Code de la consommation - art. L313-47 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000035731466", "@num": "L313-55", "#text": "Code de la consommation - art. L313-55 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000035731464", "@num": "L313-58", "#text": "Code de la consommation - art. L313-58 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000035731518", "@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": "LEGIARTI000035731512", "@num": "L313-8", "#text": "Code de la consommation - art. L313-8 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000035721912", "@fin": "2999-01-01", "#text": "Chapitre II : Modifications du code de la consommation", "@debut": "2018-04-01" } ] }, "@cid": "JORFTEXT000035720869", "@nor": "ECOT1719130R", "@num": "2017-1433", "@nature": "ORDONNANCE", "TITRE_TXT": [ { "@fin": "2999-01-01", "#text": "Ordonnance n° 2017-1433 du 4 octobre 2017 relative à la dématérialisation des relations contractuelles dans le secteur financier", "@debut": "2999-01-01", "@id_txt": "JORFTEXT000035720869", "@c_titre_court": "Ordonnance n° 2017-1433 du 4 octobre 2017" }, { "@fin": "2999-01-01", "#text": "Ordonnance n° 2017-1433 du 4 octobre 2017 relative à la dématérialisation des relations contractuelles dans le secteur financier", "@debut": "2018-04-01", "@id_txt": "LEGITEXT000035721910", "@c_titre_court": "Ordonnance n°2017-1433 du 4 octobre 2017" } ], "@ministere": "Ministère de l'économie et des finances", "@date_publi": "2017-10-05", "@date_signature": "2017-10-04", "@num_parution_jo": "0233" } }, "VERSIONS": { "VERSION": [ { "LIEN_ART": { "@id": "LEGIARTI000035721942", "@fin": "2999-01-01", "@num": "13", "@debut": "2999-01-01", "@origine": "LEGI" } }, { "LIEN_ART": { "@id": "JORFARTI000035720889", "@fin": "2999-01-01", "@num": "13", "@debut": "2999-01-01", "@origine": "JORF" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "
A modifié les dispositions suivantes :

- Code de la consommation
\n Art. L313-7, Art. L313-8, Art. L313-10, Art. L313-24, Art. L313-27, Art. L313-28, Art. L313-31, Art. L313-39, Art. L313-46, Art. L313-47, Art. L313-55, Art. L313-58\n
\n

\n
" } }, "LEGIARTI000035731476": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L313-31", "ETAT": "MODIFIE", "TYPE": "AUTONOME", "DATE_FIN": "2020-12-01", "DATE_DEBUT": "2018-04-01" } }, "META_COMMUN": { "ID": "LEGIARTI000035731476", "URL": "article/LEGI/ARTI/00/00/35/73/14/LEGIARTI000035731476.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "NOTA": { "CONTENU": "

Conformément à l'article 10 IV et V de la loi n° 2017-203 du 21 février 2017, ces dispositions sont applicables aux offres de prêts émises à compter de la date de publication de ladite loi et, à compter du 1er janvier 2018, aux contrats d'assurance en cours d'exécution à cette date.

" }, "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": "LEGIARTI000028748108", "@num": "L312-9", "#text": "Code de la consommation - art. L312-9, alinéa 6 (Ab)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225916", "@num": "L313-16", "#text": "Code de la consommation - art. L313-16 (MMN)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032222273", "@num": "L313-24", "#text": "Code de la consommation - art. L313-24", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000035731495", "@num": "L313-27", "#text": "Code de la consommation - art. L313-27 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000035731488", "@num": "L313-28", "#text": "Code de la consommation - art. L313-28 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032222313", "@num": "L313-39", "#text": "Code de la consommation - art. L313-39", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000035731512", "@num": "L313-8", "#text": "Code de la consommation - art. L313-8 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032222337", "@num": "L314-1", "#text": "Code de la consommation - art. L314-1", "@sens": "source", "@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" }, { "@id": "LEGIARTI000046194215", "@num": "L221-10", "#text": "Code de la mutualité - art. L221-10 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006074067", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000045271930", "@num": "L113-12-2", "#text": "Code des assurances - art. L113-12-2 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006073984", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006792094", "@num": "L113-12", "#text": "Code des assurances - art. 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Si l'offre mentionnée à l'article L. 313-24 a été émise, le prêteur informe l'emprunteur sur support papier ou tout autre support durable de sa décision d'acceptation ou de refus et lui adresse, s'il y a lieu, l'offre modifiée mentionnée à l'article L. 313-27, dans un délai de dix jours ouvrés à compter de la réception de la demande de substitution.

Si l'emprunteur fait usage du droit de résiliation du contrat d'assurance en application du deuxième alinéa de l'article L. 113-12 du code des assurances, du premier alinéa de l'article L. 113-12-2 du même code, ou des premier ou deuxième alinéas de l'article L. 221-10 du code de la mutualité, le prêteur notifie à l'emprunteur sa décision d'acceptation ou de refus dans un délai de dix jours ouvrés à compter de la réception d'un autre contrat d'assurance.

En cas d'acceptation, le prêteur modifie par voie d'avenant le contrat de crédit conformément à l'article L. 313-39 en y mentionnant, notamment, le nouveau taux annuel effectif global calculé, conformément aux articles L. 314-1 à L. 314-4, en se fondant sur les informations transmises par l'assureur délégué dans les conditions fixées au deuxième alinéa de l'article L. 313-28.

Lorsque l'avenant comporte un ou plusieurs éléments chiffrés sur le coût de l'assurance, ce coût est exprimé selon les modalités définies à l'article L. 313-8.

Le prêteur ne peut exiger de frais supplémentaires de l'emprunteur pour l'émission de cet avenant.

" } } }, "article_lien": [ { "article_id": "LEGIARTI000035731476", "cible": false, "cidtexte": "LEGITEXT000006069565", "id": "LEGIARTI000035731495", "typelien": "CITATION" }, { "article_id": "LEGIARTI000035721942", "cible": false, "cidtexte": "LEGITEXT000006069565", "id": "LEGIARTI000035731495", "typelien": "MODIFIE" } ], "follow": [ "LIENS.LIEN[@sens=cible,@typelien=CREATION].@id" ], "id": "LEGIARTI000035731495", "liens_entrants": true }

Article L313-27 AUTONOME VIGUEUR, en vigueur depuis le 01/04/2018 (Code de la consommation)