Maître Elodie MABIKA

Avocat au barreau de la Haute-Loire

Compétences : Droit de la famille, des personnes et de leur patrimoine, Droit pénal, Droit immobilier, Droit du dommage corporel, Droit du travail et social, Droit commercial, des affaires et de la concurrence, Droit des sociétés, Droit du crédit et de la consommation, Droit de la sécurité sociale et de la protection sociale

Barreau : Haute-Loire

Adresse : 18 BOULEVARD DU DOCTEUR DEVINS 43100 BRIOUDE

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Publié le 06/05/2020

Taux d'intérêt légal pour 2015

Article juridique - Droit du crédit et de la consommation

Par Me Elodie MABIKA

Le taux d'intérêt légal est utilisé notamment pour calculer le montant des intérêts légaux dus par le perdant à un procès.

Il faut savoir que depuis janvier 2015, il existe désormais deux taux d’intérêt légal : un taux applicable aux créances des personnes physiques n'agissant pas pour des besoins professionnels et un autre pour tous les autres cas.

De plus, ces deux taux sont désormais actualisés une fois par semestre et non plus annuellement et ce afin de refléter au mieux les fluctuations de l’activité économique.

Ainsi, au premier semestre 2015, le taux d'intérêt légal était fixé à 4,06 % pour les créances des personnes physiques n'agissant pas pour des besoins professionnels et à 0,93 % pour tous les autres cas. Et pour le second semestre, l’arrêté du 24 juin 2015 relatif à la fixation du taux de l'intérêt légal prévoit en son article 1 que : « …le taux de l'intérêt légal est fixé :1° Pour les créances des personnes physiques n'agissant pas pour des besoins professionnels : à 4,29 % ; 2° Pour tous les autres cas : à 0,99 %. »

Pour calculer l’intérêt dû sur le semestre, il faut appliquer la formule : (montant dû x taux semestriel x jours de retard dans ce semestre) / (365 jours x 100)

Attention au débiteur retardataire ! L’article L313-3 du Code monétaire et financier prévoit que le taux d'intérêt légal est majoré de 5 points à l'expiration d'un délai de 2 mois à compter du jour où la décision de justice est devenue exécutoire.

N’hésitez pas à prendre contact avec le Cabinet de Me MABIKA.

ELODIE MABIKA
Avocat

Successeur de Me CERTAIN
Docteur en droit

Master spécialisé en droit des affaires et fiscalité (GEFIRE)

Chargée d’enseignement à l’Université Clermont Auvergne

24 boulevard docteur DEVINS 43100 BRIOUDE
Tel : 04 71 50 39 69

Port : 06 02 48 31 27

Fax : 09 72 09 05 08