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Acceptance
Acceptance of consumer credit:
The consumer credits are appropriations d´un amount lower or equal to 21.500 € and at lasted higher than 3 months. It is of loans garanted by a credit institution for the financing of consumer goods (television set, pieces of furniture, electric household appliances, car…) or of services, of nonprofessional use. There are 3 main categories of consumer credits: the affected credit, the personal loan and the revolving credit.
Offer preliminary credit:
Preliminary offer of credit, delivered by credit establishment, makes it possible to the future borrower to have knowledge of all information relating to the proposal for a credit which is made to him (rising credit, TEG, total cost of the credit…) and to compare the offers of the various credit institutions to which it s adress.
The conditions of offer preliminary of credit are maintained by the lender for one minimum length of time 15 days.
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Credit establishment must give to empruntor a written preliminary offer of credit on which all the conditions octroy will be mentioned, of installation, refunding and penalties; the validity of offer must be at least 15 days.
Empruntor lays out d´un time of retractation after acceptance of the credit; this time is 7 days but can be reduced, with its request, 3 days.
If the loan is attached to a sale contract and is refused, the sale is cancelled.
In the event of delay of payment, the lender can in addition perceive to post maturity interest of the penalties whose amount cannot exceed 8% of the unpaid expiries.
In unpaid cases, the lender can require the repayment before due date of the loan to which s´ajouter a maximum penalty of 8% can.
The lender cannot in no case to take penalties in the event of repayment before due date.
These provisions are applicable to all the appropriations with the private individuals except the loans of duration equal or lower than three months, the loans of more than 21.500 euros and the loans for real operations.
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