Maître Valérie CUNHA

Avocat au barreau de Nice

Avocat titulaire d'un certificat de spécialisation en Droit du travail et social

Compétences : Droit du travail et social, Droit du dommage corporel, Droit de la famille, des personnes et de leur patrimoine, Droit immobilier, Droit du crédit et de la consommation, Procédure d'appel, Procédure civile, Droit des sociétés

Barreau : Nice

Adresse : 17 Avenue Edouard VII 06500 MENTON

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Publié le 14/05/2020

Offre de prêt : la sanction de l'année lombarde

Article juridique - Droit du crédit et de la consommation

Par Me Valérie CUNHA

Offre de prêt : la sanction de l'année lombarde

La Cour de cassation dans un arrêt du 11 Mars 2020 rappelle que : la mention, dans l’offre de prêt, d’un taux conventionnel calculé sur la base d’une année autre que l’année civile, est sanctionnée exclusivement par la déchéance du droit aux intérêts dans les termes de l’ancien article L. 312-33 du code de la consommation, lorsque l’inexactitude du taux entraîne, au regard du taux stipulé, un écart supérieur à une décimale.

Civ. 1re, 11 mars 2020, F-P+B, n° 19-10.875

Pour une analyse intéressante de l'arrêt voir les commentaires de Jean Denis PELLIER au DALLOZ AVOCAT du 6 Avril 2020