@socialgouv/fiches-vdd 2.1358.0 → 2.1359.0
This diff represents the content of publicly available package versions that have been released to one of the supported registries. The information contained in this diff is provided for informational purposes only and reflects changes between package versions as they appear in their respective public registries.
- package/CHANGELOG.md +7 -0
- package/data/associations/index.json +236 -236
- package/data/index.json +78588 -78654
- package/data/particuliers/F10752.json +520 -0
- package/data/particuliers/F11301.json +139 -49
- package/data/particuliers/F1153.json +2 -2
- package/data/particuliers/F12386.json +10 -0
- package/data/particuliers/F1317.json +0 -46
- package/data/particuliers/F1341.json +2 -2
- package/data/particuliers/F1342.json +2 -2
- package/data/particuliers/F1344.json +2 -2
- package/data/particuliers/F13723.json +41 -5
- package/data/particuliers/F14860.json +10 -0
- package/data/particuliers/F14929.json +3 -3
- package/data/particuliers/F14930.json +3 -3
- package/data/particuliers/F16123.json +1 -1
- package/data/particuliers/F1637.json +6 -2
- package/data/particuliers/F17452.json +1 -1
- package/data/particuliers/F1759.json +50 -2
- package/data/particuliers/F1794.json +2 -2
- package/data/particuliers/F2064.json +24 -1
- package/data/particuliers/F2066.json +0 -160
- package/data/particuliers/F20688.json +1 -1
- package/data/particuliers/F20798.json +2 -2
- package/data/particuliers/F21089.json +51 -3
- package/data/particuliers/F21090.json +2 -2
- package/data/particuliers/F21091.json +3 -3
- package/data/particuliers/F21092.json +3 -3
- package/data/particuliers/F21244.json +3 -3
- package/data/particuliers/F21245.json +3 -3
- package/data/particuliers/F21246.json +3 -3
- package/data/particuliers/F21247.json +3 -3
- package/data/particuliers/F21258.json +229 -29
- package/data/particuliers/F2176.json +2 -2
- package/data/particuliers/F2456.json +686 -343
- package/data/particuliers/F2589.json +54 -1
- package/data/particuliers/F2975.json +1 -1
- package/data/particuliers/F3085.json +448 -273
- package/data/particuliers/F3107.json +1 -1
- package/data/particuliers/F31215.json +3 -3
- package/data/particuliers/F3136.json +1 -1
- package/data/particuliers/F31413.json +3 -3
- package/data/particuliers/F31423.json +1 -1
- package/data/particuliers/F31512.json +1 -1
- package/data/particuliers/F31513.json +1 -1
- package/data/particuliers/F31518.json +720 -528
- package/data/particuliers/F31527.json +1 -1
- package/data/particuliers/F31725.json +883 -470
- package/data/particuliers/F31835.json +1 -1
- package/data/particuliers/F32041.json +39 -0
- package/data/particuliers/F33640.json +5 -5
- package/data/particuliers/F33805.json +192 -22
- package/data/particuliers/F33879.json +108 -7
- package/data/particuliers/F34759.json +32 -6
- package/data/particuliers/F35505.json +2 -2
- package/data/particuliers/F35900.json +42 -42
- package/data/particuliers/F38881.json +24 -1
- package/data/particuliers/F38882.json +24 -1
- package/data/particuliers/F463.json +15 -15
- package/data/particuliers/F490.json +8 -8
- package/data/particuliers/F783.json +1 -1
- package/data/particuliers/F920.json +0 -280
- package/data/particuliers/F947.json +80 -93
- package/data/particuliers/N31064.json +1 -1
- package/data/particuliers/N96.json +1 -1
- package/data/particuliers/R31806.json +64 -1
- package/data/particuliers/R39812.json +2 -2
- package/data/particuliers/R42946.json +3 -3
- package/data/particuliers/R44998.json +3 -13
- package/data/particuliers/R48468.json +0 -34
- package/data/particuliers/index.json +5343 -5344
- package/data/professionnels/F17452.json +1 -1
- package/data/professionnels/F23267.json +2 -2
- package/data/professionnels/F23633.json +98 -132
- package/data/professionnels/F24013.json +1 -1
- package/data/professionnels/F31148.json +2 -2
- package/data/professionnels/F31849.json +1 -1
- package/data/professionnels/F32918.json +2 -2
- package/data/professionnels/R20425.json +6 -5
- package/data/professionnels/R31806.json +64 -1
- package/data/professionnels/R44998.json +3 -13
- package/data/professionnels/index.json +2450 -2452
- package/package.json +1 -1
- package/data/particuliers/R48469.json +0 -359
- package/data/professionnels/R48550.json +0 -301
- package/data/professionnels/R48629.json +0 -276
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"type": "text",
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"text": "Le TAEG
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"text": "Le TAEG calcule le coût réel d’un prêt. Il inclut les intérêts selon le taux effectif et tous les frais liés à la souscription du crédit."
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"text": "modified
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"text": "modified 2025-04-16"
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"text": "https://www.legifrance.gouv.fr/codes/section_lc/LEGITEXT000006069565/LEGISCTA000032228043/, https://www.legifrance.gouv.fr/codes/section_lc/LEGITEXT000006069565/LEGISCTA000032807602/, https://www.legifrance.gouv.fr/loda/id/JORFTEXT000000413399/"
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"text": "https://www.legifrance.gouv.fr/codes/section_lc/LEGITEXT000006069565/LEGISCTA000032228043/, https://www.legifrance.gouv.fr/codes/section_lc/LEGITEXT000006069565/LEGISCTA000032807602/, https://www.legifrance.gouv.fr/codes/section_lc/LEGITEXT000006069565/LEGISCTA000032222589/#LEGISCTA000032225579, https://www.legifrance.gouv.fr/loda/id/JORFTEXT000000413399/, https://eur-lex.europa.eu/legal-content/FR/TXT/PDF/?uri=CELEX:32014L0017"
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"name": "Introduction",
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"text": "Le taux annuel effectif global (TAEG) est le taux « tout compris » d'un crédit."
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"text": "Le TAEG représente le coût total d'un crédit. il prend en compte l’ensemble des frais liés au crédit. Il permet ainsi aux consommateurs de comparer différentes offres sur une base équitable, en intégrant tous les coûts obligatoires. Le TAEG est exprimé en pourcentage annuel de la somme empruntée. Voici les informations à connaître."
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"name": "Chapitre",
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"text": "Quels sont les frais inclus dans le TAEG ?"
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"text": "Le TAEG inclut les intérêts calculés sur le montant emprunté (taux nominal), mais aussi tous les autres frais associés à l'obtention du crédit. Ces frais peuvent être liés aux éléments qui sont des conditions nécessaires pour l'obtention du crédit comme les frais de dossier, les honoraires de courtier ou encore les frais d'assurance obligatoire et de garanties obligatoires (hypothèque, caution,...)."
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"text": "Comment estimer le TAEG d'un crédit ?"
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"text": "Vous pouvez faire une estimation du TAEG en utilisant un simulateur :"
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"name": "ServiceEnLigne",
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"ID": "R2924",
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"URL": "https://www.anil.org/outils/outils-de-calcul/echeancier-dun-pret/",
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"audience": "Particuliers",
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"type": "Simulateur"
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"text": "Faire une simulation de l'échéancier et du TAEG d'un crédit immobilier"
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"ID": "R30676"
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"text": "Agence nationale pour l'information sur le logement (Anil)"
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"text": "Il peut y avoir quelques différences entre les frais d'un crédit à la consommation et les frais d'un crédit immobilier."
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"text": "Quelle est la différence entre crédit à la consommation et crédit immobilier concernant le TAEG ?"
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"text": "Bien que le TAEG soit calculé de la même manière pour tous les types de crédit, certains frais peuvent différer :"
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"text": "Crédit à la consommation"
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"name": "
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"name": "Item",
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"children": [
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{
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"type": "text",
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"text": "Intérêts bancaires calculés sur la base du "
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},
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{
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"type": "element",
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"name": "
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"attributes": {
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"LienID": "R65827",
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"type": "Définition de glossaire"
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},
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"name": "Paragraphe",
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{
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"type": "text",
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"text": "
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"text": "Intérêts bancaires calculés sur la base du "
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},
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{
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"type": "element",
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"name": "LienIntra",
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"attributes": {
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"LienID": "R65827",
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"type": "Définition de glossaire"
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},
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"children": [
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{
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"type": "text",
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"text": "taux actuariel"
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}
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]
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{
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"children": [
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},
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"name": "Item",
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"children": [
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{
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"type": "
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"
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"type": "element",
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"name": "Paragraphe",
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"children": [
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{
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"type": "text",
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"text": "Frais de dossier (payés à la banque)"
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}
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]
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}
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{
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"type": "element",
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"children": [
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},
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"name": "Item",
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{
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"type": "
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"
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"children": [
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{
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"type": "text",
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"text": "Frais payés ou dus à des intermédiaires (courtier par exemple)"
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}
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]
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"children": [
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"name": "Item",
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"children": [
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{
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"type": "text",
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"text": "Coût de l'assurance obligatoire (assurance de la banque ou d'une autre compagnie)"
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}
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]
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{
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"type": "element",
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"children": [
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},
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"name": "
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"name": "Item",
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"children": [
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"type": "
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"
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"children": [
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{
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"type": "text",
|
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"text": "Tous les autres frais qui vous sont imposés pour l'obtention du crédit (frais de tenue de compte, en cas d'obligation d'ouverture de compte dans la banque qui octroie le prêt)."
|
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}
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]
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{
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"type": "element",
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"name": "Cas",
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"children": [
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{
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"type": "element",
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"name": "Titre",
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"children": [
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{
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"type": "text",
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"text": "Crédit immobilier"
|
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|
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}
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|
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]
|
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},
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"name": "
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"attributes": {
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"type": "puce"
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},
|
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|
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"name": "Cas",
|
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|
"children": [
|
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{
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"name": "
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"name": "Titre",
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"children": [
|
|
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{
|
|
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|
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"type": "text",
|
|
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|
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"text": "Crédit immobilier"
|
|
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|
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}
|
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]
|
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},
|
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{
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"type": "element",
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"name": "Paragraphe",
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"children": [
|
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|
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{
|
|
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|
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"type": "text",
|
|
811
|
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"text": "Les frais suivants sont pris en compte :"
|
|
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|
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}
|
|
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|
+
]
|
|
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|
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},
|
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{
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"type": "element",
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"name": "Liste",
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"attributes": {
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"type": "puce"
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},
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"name": "Item",
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"children": [
|
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|
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{
|
|
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|
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"type": "text",
|
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|
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"text": "Intérêts bancaires calculés sur la base du "
|
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|
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},
|
|
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{
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"attributes": {
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"LienID": "R65827",
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"type": "Définition de glossaire"
|
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},
|
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"name": "Paragraphe",
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|
{
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|
"type": "text",
|
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|
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"text": "
|
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|
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"text": "Intérêts bancaires calculés sur la base du "
|
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|
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},
|
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|
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{
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"type": "element",
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"name": "LienIntra",
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"attributes": {
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"LienID": "R65827",
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"type": "Définition de glossaire"
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},
|
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"children": [
|
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|
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{
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"type": "text",
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"text": "taux actuariel"
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}
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]
|
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|
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"children": [
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"children": [
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{
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|
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"type": "text",
|
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|
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"text": "Frais de dossier (payés à la banque)"
|
|
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|
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}
|
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|
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]
|
|
779
865
|
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|
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"name": "Item",
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{
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"type": "
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"
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|
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"type": "element",
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|
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"children": [
|
|
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|
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{
|
|
877
|
+
"type": "text",
|
|
878
|
+
"text": "Frais payés ou dus à des intermédiaires intervenus dans l'octroi du prêt (courtier par exemple)."
|
|
879
|
+
}
|
|
880
|
+
]
|
|
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|
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|
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|
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|
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|
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|
|
@@ -799,171 +885,352 @@
|
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{
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|
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{
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|
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"type": "text",
|
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|
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"text": "Coût de l'assurance emprunteur"
|
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|
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}
|
|
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|
-
]
|
|
891
|
+
"type": "text",
|
|
892
|
+
"text": "Mais ce type de crédit inclut fréquemment des frais supplémentaires, notamment les suivants :"
|
|
813
893
|
}
|
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|
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|
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"name": "Liste",
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"attributes": {
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},
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|
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"
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|
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"type": "element",
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|
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|
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"children": [
|
|
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|
+
{
|
|
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|
+
"type": "text",
|
|
913
|
+
"text": "Coût de l'assurance emprunteur"
|
|
914
|
+
}
|
|
915
|
+
]
|
|
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|
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|
|
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|
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|
|
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|
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}
|
|
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|
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]
|
|
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|
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},
|
|
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|
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{
|
|
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|
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"type": "element",
|
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|
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"name": "Item",
|
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|
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"children": [
|
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|
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},
|
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|
{
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|
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|
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"name": "
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|
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"name": "Item",
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|
"children": [
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|
{
|
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|
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"type": "
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|
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"
|
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|
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"type": "element",
|
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|
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"name": "Paragraphe",
|
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|
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"children": [
|
|
927
|
+
{
|
|
928
|
+
"type": "text",
|
|
929
|
+
"text": "Frais de garanties (hypothèque ou cautionnement)"
|
|
930
|
+
}
|
|
931
|
+
]
|
|
843
932
|
}
|
|
844
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|
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|
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}
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|
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]
|
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|
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},
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|
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{
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|
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|
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|
-
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|
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|
-
"children": [
|
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|
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},
|
|
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|
{
|
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|
"type": "element",
|
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|
-
"name": "
|
|
937
|
+
"name": "Item",
|
|
855
938
|
"children": [
|
|
856
939
|
{
|
|
857
|
-
"type": "
|
|
858
|
-
"
|
|
940
|
+
"type": "element",
|
|
941
|
+
"name": "Paragraphe",
|
|
942
|
+
"children": [
|
|
943
|
+
{
|
|
944
|
+
"type": "text",
|
|
945
|
+
"text": "Frais d'évaluation du bien immobilier (payés à un agent immobilier)"
|
|
946
|
+
}
|
|
947
|
+
]
|
|
859
948
|
}
|
|
860
949
|
]
|
|
861
|
-
}
|
|
862
|
-
]
|
|
863
|
-
}
|
|
864
|
-
]
|
|
865
|
-
},
|
|
866
|
-
{
|
|
867
|
-
"type": "element",
|
|
868
|
-
"name": "ASavoir",
|
|
869
|
-
"children": [
|
|
870
|
-
{
|
|
871
|
-
"type": "element",
|
|
872
|
-
"name": "Titre",
|
|
873
|
-
"children": [
|
|
950
|
+
},
|
|
874
951
|
{
|
|
875
|
-
"type": "
|
|
876
|
-
"
|
|
952
|
+
"type": "element",
|
|
953
|
+
"name": "Item",
|
|
954
|
+
"children": [
|
|
955
|
+
{
|
|
956
|
+
"type": "element",
|
|
957
|
+
"name": "Paragraphe",
|
|
958
|
+
"children": [
|
|
959
|
+
{
|
|
960
|
+
"type": "text",
|
|
961
|
+
"text": "Tous les autres frais qui vous sont imposés pour l'obtention du crédit (frais de tenue de compte, en cas d'obligation d'ouverture de compte dans la banque qui octroie le prêt)."
|
|
962
|
+
}
|
|
963
|
+
]
|
|
964
|
+
}
|
|
965
|
+
]
|
|
877
966
|
}
|
|
878
967
|
]
|
|
879
968
|
},
|
|
880
969
|
{
|
|
881
970
|
"type": "element",
|
|
882
|
-
"name": "
|
|
971
|
+
"name": "ASavoir",
|
|
883
972
|
"children": [
|
|
884
|
-
{
|
|
885
|
-
"type": "text",
|
|
886
|
-
"text": "pour un prêt qui finance l'achat d'un logement "
|
|
887
|
-
},
|
|
888
973
|
{
|
|
889
974
|
"type": "element",
|
|
890
|
-
"name": "
|
|
891
|
-
"attributes": {
|
|
892
|
-
"LienPublication": "F2961",
|
|
893
|
-
"type": "Fiche d'information conditionnée",
|
|
894
|
-
"audience": "Particuliers"
|
|
895
|
-
},
|
|
975
|
+
"name": "Titre",
|
|
896
976
|
"children": [
|
|
897
977
|
{
|
|
898
978
|
"type": "text",
|
|
899
|
-
"text": "
|
|
979
|
+
"text": "À savoir"
|
|
900
980
|
}
|
|
901
981
|
]
|
|
902
982
|
},
|
|
903
|
-
{
|
|
904
|
-
"type": "text",
|
|
905
|
-
"text": ", les "
|
|
906
|
-
},
|
|
907
983
|
{
|
|
908
984
|
"type": "element",
|
|
909
|
-
"name": "
|
|
985
|
+
"name": "Paragraphe",
|
|
910
986
|
"children": [
|
|
911
987
|
{
|
|
912
988
|
"type": "text",
|
|
913
|
-
"text": "
|
|
989
|
+
"text": "Pour un prêt qui finance l'achat d'un logement "
|
|
990
|
+
},
|
|
991
|
+
{
|
|
992
|
+
"type": "element",
|
|
993
|
+
"name": "LienInterne",
|
|
994
|
+
"attributes": {
|
|
995
|
+
"LienPublication": "F2961",
|
|
996
|
+
"type": "Fiche d'information conditionnée",
|
|
997
|
+
"audience": "Particuliers"
|
|
998
|
+
},
|
|
999
|
+
"children": [
|
|
1000
|
+
{
|
|
1001
|
+
"type": "text",
|
|
1002
|
+
"text": "en l'état futur d'achèvement (Véfa)"
|
|
1003
|
+
}
|
|
1004
|
+
]
|
|
1005
|
+
},
|
|
1006
|
+
{
|
|
1007
|
+
"type": "text",
|
|
1008
|
+
"text": ", les "
|
|
1009
|
+
},
|
|
1010
|
+
{
|
|
1011
|
+
"type": "element",
|
|
1012
|
+
"name": "Expression",
|
|
1013
|
+
"children": [
|
|
1014
|
+
{
|
|
1015
|
+
"type": "text",
|
|
1016
|
+
"text": "intérêts intercalaires"
|
|
1017
|
+
}
|
|
1018
|
+
]
|
|
1019
|
+
},
|
|
1020
|
+
{
|
|
1021
|
+
"type": "text",
|
|
1022
|
+
"text": " ne sont pas pris en compte dans le calcul du TAEG."
|
|
914
1023
|
}
|
|
915
1024
|
]
|
|
916
|
-
},
|
|
917
|
-
{
|
|
918
|
-
"type": "text",
|
|
919
|
-
"text": " ne sont pas pris en compte dans le calcul du TAEG."
|
|
920
1025
|
}
|
|
921
1026
|
]
|
|
922
1027
|
}
|
|
923
1028
|
]
|
|
924
1029
|
}
|
|
925
1030
|
]
|
|
926
|
-
}
|
|
927
|
-
]
|
|
928
|
-
},
|
|
929
|
-
{
|
|
930
|
-
"type": "element",
|
|
931
|
-
"name": "
|
|
932
|
-
"children": [
|
|
933
|
-
{
|
|
934
|
-
"type": "
|
|
935
|
-
"
|
|
936
|
-
|
|
937
|
-
|
|
938
|
-
|
|
939
|
-
|
|
940
|
-
|
|
941
|
-
|
|
942
|
-
|
|
943
|
-
|
|
944
|
-
|
|
945
|
-
|
|
946
|
-
|
|
947
|
-
|
|
948
|
-
|
|
949
|
-
|
|
950
|
-
|
|
951
|
-
|
|
952
|
-
|
|
1031
|
+
}
|
|
1032
|
+
]
|
|
1033
|
+
},
|
|
1034
|
+
{
|
|
1035
|
+
"type": "element",
|
|
1036
|
+
"name": "Chapitre",
|
|
1037
|
+
"children": [
|
|
1038
|
+
{
|
|
1039
|
+
"type": "element",
|
|
1040
|
+
"name": "Titre",
|
|
1041
|
+
"children": [
|
|
1042
|
+
{
|
|
1043
|
+
"type": "element",
|
|
1044
|
+
"name": "Paragraphe",
|
|
1045
|
+
"children": [
|
|
1046
|
+
{
|
|
1047
|
+
"type": "text",
|
|
1048
|
+
"text": "L'affichage du TAEG est-il obligatoire dans les publicités et contrats ?"
|
|
1049
|
+
}
|
|
1050
|
+
]
|
|
1051
|
+
}
|
|
1052
|
+
]
|
|
1053
|
+
},
|
|
1054
|
+
{
|
|
1055
|
+
"type": "element",
|
|
1056
|
+
"name": "Paragraphe",
|
|
1057
|
+
"children": [
|
|
1058
|
+
{
|
|
1059
|
+
"type": "text",
|
|
1060
|
+
"text": "Les établissements financiers ont "
|
|
1061
|
+
},
|
|
1062
|
+
{
|
|
1063
|
+
"type": "element",
|
|
1064
|
+
"name": "MiseEnEvidence",
|
|
1065
|
+
"children": [
|
|
1066
|
+
{
|
|
1067
|
+
"type": "text",
|
|
1068
|
+
"text": "l'obligation légale"
|
|
1069
|
+
}
|
|
1070
|
+
]
|
|
1071
|
+
},
|
|
1072
|
+
{
|
|
1073
|
+
"type": "text",
|
|
1074
|
+
"text": " de mentionner le TAEG dans leurs publicités, leurs offres préalables et leurs contrats de prêt."
|
|
1075
|
+
}
|
|
1076
|
+
]
|
|
1077
|
+
},
|
|
1078
|
+
{
|
|
1079
|
+
"type": "element",
|
|
1080
|
+
"name": "Paragraphe",
|
|
1081
|
+
"children": [
|
|
1082
|
+
{
|
|
1083
|
+
"type": "text",
|
|
1084
|
+
"text": "Cette transparence permet à l'emprunteur de connaître le coût total du crédit, facilitant ainsi la comparaison entre plusieurs offres."
|
|
1085
|
+
}
|
|
1086
|
+
]
|
|
1087
|
+
}
|
|
1088
|
+
]
|
|
1089
|
+
},
|
|
1090
|
+
{
|
|
1091
|
+
"type": "element",
|
|
1092
|
+
"name": "Chapitre",
|
|
1093
|
+
"children": [
|
|
1094
|
+
{
|
|
1095
|
+
"type": "element",
|
|
1096
|
+
"name": "Titre",
|
|
1097
|
+
"children": [
|
|
1098
|
+
{
|
|
1099
|
+
"type": "element",
|
|
1100
|
+
"name": "Paragraphe",
|
|
1101
|
+
"children": [
|
|
1102
|
+
{
|
|
1103
|
+
"type": "text",
|
|
1104
|
+
"text": "Que se passe-t-il en cas d'absence ou d'erreur de mention du TAEG ?"
|
|
1105
|
+
}
|
|
1106
|
+
]
|
|
1107
|
+
}
|
|
1108
|
+
]
|
|
1109
|
+
},
|
|
1110
|
+
{
|
|
1111
|
+
"type": "element",
|
|
1112
|
+
"name": "Paragraphe",
|
|
1113
|
+
"children": [
|
|
1114
|
+
{
|
|
1115
|
+
"type": "text",
|
|
1116
|
+
"text": "En l'absence de mention du TAEG dans le contrat ou en cas d’erreur dans ce taux, l’emprunteur peut demander au juge de supprimer tout ou partie des intérêts prévus."
|
|
1117
|
+
}
|
|
1118
|
+
]
|
|
1119
|
+
},
|
|
1120
|
+
{
|
|
1121
|
+
"type": "element",
|
|
1122
|
+
"name": "Paragraphe",
|
|
1123
|
+
"children": [
|
|
1124
|
+
{
|
|
1125
|
+
"type": "text",
|
|
1126
|
+
"text": "Pour décider du montant à annuler, le juge prend notamment en compte le préjudice subi par l’emprunteur."
|
|
1127
|
+
}
|
|
1128
|
+
]
|
|
1129
|
+
},
|
|
1130
|
+
{
|
|
1131
|
+
"type": "element",
|
|
1132
|
+
"name": "Paragraphe",
|
|
1133
|
+
"children": [
|
|
1134
|
+
{
|
|
1135
|
+
"type": "text",
|
|
1136
|
+
"text": "Si le juge prononce cette sanction, le contrat reste valable pour le remboursement du capital, qui continue selon le calendrier initial. En revanche, les intérêts déjà payés doivent être remboursés par le prêteur ou déduits du montant du capital qu’il reste à rembourser. Ces sommes donnent droit, pour l’emprunteur, à des intérêts au taux légal à partir de la date à laquelle elles ont été versées."
|
|
1137
|
+
}
|
|
1138
|
+
]
|
|
1139
|
+
}
|
|
1140
|
+
]
|
|
1141
|
+
},
|
|
1142
|
+
{
|
|
1143
|
+
"type": "element",
|
|
1144
|
+
"name": "Chapitre",
|
|
1145
|
+
"children": [
|
|
1146
|
+
{
|
|
1147
|
+
"type": "element",
|
|
1148
|
+
"name": "Titre",
|
|
1149
|
+
"children": [
|
|
1150
|
+
{
|
|
1151
|
+
"type": "element",
|
|
1152
|
+
"name": "Paragraphe",
|
|
1153
|
+
"children": [
|
|
1154
|
+
{
|
|
1155
|
+
"type": "text",
|
|
1156
|
+
"text": "Le TAEG peut-il dépasser le taux de l'usure ?"
|
|
1157
|
+
}
|
|
1158
|
+
]
|
|
1159
|
+
}
|
|
1160
|
+
]
|
|
1161
|
+
},
|
|
1162
|
+
{
|
|
1163
|
+
"type": "element",
|
|
1164
|
+
"name": "Paragraphe",
|
|
1165
|
+
"children": [
|
|
1166
|
+
{
|
|
1167
|
+
"type": "text",
|
|
1168
|
+
"text": "Le TAEG ne peut pas être supérieur au "
|
|
1169
|
+
},
|
|
1170
|
+
{
|
|
1171
|
+
"type": "element",
|
|
1172
|
+
"name": "LienIntra",
|
|
1173
|
+
"attributes": {
|
|
1174
|
+
"LienID": "R14776",
|
|
1175
|
+
"type": "Définition de glossaire"
|
|
1176
|
+
},
|
|
1177
|
+
"children": [
|
|
1178
|
+
{
|
|
1179
|
+
"type": "text",
|
|
1180
|
+
"text": "taux de l'usure"
|
|
1181
|
+
}
|
|
1182
|
+
]
|
|
1183
|
+
},
|
|
1184
|
+
{
|
|
1185
|
+
"type": "text",
|
|
1186
|
+
"text": " applicable, c'est-à-dire le taux maximal d'intérêt légalement applicable en France."
|
|
1187
|
+
}
|
|
1188
|
+
]
|
|
1189
|
+
},
|
|
953
1190
|
{
|
|
954
|
-
"type": "
|
|
955
|
-
"
|
|
1191
|
+
"type": "element",
|
|
1192
|
+
"name": "Paragraphe",
|
|
1193
|
+
"children": [
|
|
1194
|
+
{
|
|
1195
|
+
"type": "text",
|
|
1196
|
+
"text": "Il existe "
|
|
1197
|
+
},
|
|
1198
|
+
{
|
|
1199
|
+
"type": "element",
|
|
1200
|
+
"name": "LienExterne",
|
|
1201
|
+
"attributes": {
|
|
1202
|
+
"URL": "https://www.legifrance.gouv.fr/jorf/id/JORFTEXT000050842814"
|
|
1203
|
+
},
|
|
1204
|
+
"children": [
|
|
1205
|
+
{
|
|
1206
|
+
"type": "text",
|
|
1207
|
+
"text": "différents taux de l'usure"
|
|
1208
|
+
}
|
|
1209
|
+
]
|
|
1210
|
+
},
|
|
1211
|
+
{
|
|
1212
|
+
"type": "text",
|
|
1213
|
+
"text": " selon votre situation : somme empruntée, durée et type de prêt, par exemple."
|
|
1214
|
+
}
|
|
1215
|
+
]
|
|
956
1216
|
}
|
|
957
1217
|
]
|
|
958
|
-
}
|
|
1218
|
+
}
|
|
1219
|
+
]
|
|
1220
|
+
},
|
|
1221
|
+
{
|
|
1222
|
+
"type": "element",
|
|
1223
|
+
"name": "VoirAussi",
|
|
1224
|
+
"attributes": {
|
|
1225
|
+
"important": "non"
|
|
1226
|
+
},
|
|
1227
|
+
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|
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"URL": "https://www.anil.org/outils/outils-de-calcul/echeancier-dun-pret/",
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|
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|
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"text": "Faire une simulation de l'échéancier et du TAEG d'un crédit immobilier"
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|
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|
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|
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"children": [
|
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|
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{
|
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|
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"type": "text",
|
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|
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"text": "Taux de l'usure"
|
|
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|
+
}
|
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|
+
]
|
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|
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},
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|
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|
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|
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"children": [
|
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|
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{
|
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|
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"type": "element",
|
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|
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"name": "Paragraphe",
|
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|
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"children": [
|
|
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|
+
{
|
|
1898
|
+
"type": "text",
|
|
1899
|
+
"text": "Taux d’intérêt maximum d'un prêt, fixé par la loi et révisé tous les trimestres par la Banque de France"
|
|
1900
|
+
}
|
|
1901
|
+
]
|
|
1902
|
+
}
|
|
1903
|
+
]
|
|
1904
|
+
}
|
|
1905
|
+
]
|
|
1906
|
+
},
|
|
1584
1907
|
{
|
|
1585
1908
|
"type": "element",
|
|
1586
1909
|
"name": "Abreviation",
|
|
@@ -1617,6 +1940,26 @@
|
|
|
1617
1940
|
}
|
|
1618
1941
|
]
|
|
1619
1942
|
},
|
|
1943
|
+
{
|
|
1944
|
+
"type": "element",
|
|
1945
|
+
"name": "QuestionReponse",
|
|
1946
|
+
"attributes": {
|
|
1947
|
+
"ID": "F20688",
|
|
1948
|
+
"audience": "Particuliers"
|
|
1949
|
+
},
|
|
1950
|
+
"children": [
|
|
1951
|
+
{
|
|
1952
|
+
"type": "element",
|
|
1953
|
+
"name": "Titre",
|
|
1954
|
+
"children": [
|
|
1955
|
+
{
|
|
1956
|
+
"type": "text",
|
|
1957
|
+
"text": "Qu'est-ce que l'intérêt légal ?"
|
|
1958
|
+
}
|
|
1959
|
+
]
|
|
1960
|
+
}
|
|
1961
|
+
]
|
|
1962
|
+
},
|
|
1620
1963
|
{
|
|
1621
1964
|
"type": "element",
|
|
1622
1965
|
"name": "QuestionReponse",
|