By Charlotte GAUCHON
8 May 2025
Taking out a home loan is a decisive step in a life project, committing the borrower over a long period of time. The complexity of the offers and the financial stakes involved make pre-contractual information essential. Since the major reform of 2016, resulting from the transposition of the European directive on home credit (MCD), the legislator has strengthened the obligations of lenders to ensure informed consent and protect borrowers against the risk of over-indebtedness. Understanding these mechanisms, and in particular the role of the European Standardised Information Sheet (ESIS) and the banker's duty to warn, is essential before committing yourself. The European Standardised Information Sheet (FISE): a central document The FISE became the cornerstone of pre-contractual information on home loans after 2016. Its main purpose is to enable borrowers to clearly understand the features of the loan offer they are being offered and to compare it effectively with other offers...
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