By Charlotte GAUCHON
8 May 2025
Buying a property is often the investment of a lifetime. Credit is used almost systematically to bring this project to fruition. Aware of the stakes involved and the risks for individuals, French lawmakers, spurred on by European law, have considerably strengthened the protection of borrowers, notably via the Order of 25 March 2016 transposing the European directive on mortgage credit (MCD). This reform has profoundly altered the legal landscape, introducing new obligations for lenders and increased guarantees for consumers. Understanding this legal framework is essential before committing yourself. Scope of the post-2016 protection regime The protection regime resulting from the 2016 reform applies to home loans as defined by the Consumer Code. It mainly concerns loans granted by professionals (banks, credit institutions) to individuals acting for non-professional purposes. The transactions financed are mainly (article L. 313-1...
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