All the information provided for in articles R. 312-2 to R. 312-4 is presented in accordance with the information sheet referred to in article L. 312-12 and appended to this code. Before providing this sheet, and unless it is clear that this is not the case, the creditor or credit intermediary shall ask the borrower whether the purpose of the transaction is to repay at least two previous debts, including…
Any additional information provided to the borrower by the creditor or credit intermediary, in particular in the event of application of the rules relating to canvassing or those relating to credit consolidation, provided for in Articles R. 314-18 et seq, is shown on a separate document, which may be attached to the form referred to in Article R. 312-5.
The threshold mentioned in the last paragraph of article L. 312-17 is set at 3,000 euros.
The supporting documents referred to in article L. 312-17 are as follows: 1° Any proof of the borrower’s domicile; and 2° Any proof of the borrower’s income; and 3° Any proof of the borrower’s identity. The supporting documents must be up to date when the information sheet referred to in article L. 312-17 is drawn up.
The detachable withdrawal form provided for in Article L. 312-21 is drawn up in accordance with the standard model annexed to this code.
The credit agreement provided for in Article L. 312-28 is drawn up in characters no smaller than eight-point type. It shall include clearly and legibly, in the order specified below: 1° The identity and geographical address of the contracting parties and, where applicable, the identity and address of the credit intermediary concerned; 2° The box referred to in Article L. 312-28, which indicates in characters more prominent than the rest…
If there is payment of charges and interest without amortisation of the capital, the contract shall include a statement of the periods and terms of payment of debit interest and recurring and non-recurring ancillary charges.
Where the instalments paid by the borrower do not immediately result in a corresponding amortisation of the total amount of credit, but serve to reconstitute the capital at the periods and under the conditions provided for in the credit agreement or in an ancillary agreement, and this method of performance does not guarantee repayment of the total amount of credit granted, the agreement shall expressly state this.
The table referred to in e of 6° of Article R. 312-10 indicates the amounts, periods and conditions of the instalments as well as the breakdown of each instalment between capital repayment, interest calculated on the basis of the borrowing rate and, where applicable, additional costs. If the interest rate is not fixed or if the additional costs may be modified under the credit agreement, the table shall indicate clearly…
The lease with purchase option contract shall be written in type no smaller than size eight. It clearly and legibly includes the contractual information provided for in article L. 312-28 annexed to this code.
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is a Registered Trademark of
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182, rue de Rivoli
75001, Paris France
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is a Registered Trademark of
PETROFF LAW FIRM (SELARL LEGASTRAT)
182, rue de Rivoli
75001, Paris France
RCS Paris n°814433470
Paris Bar Registration n° (Toque) C2396
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