By Charlotte GAUCHON
24 March 2025
A home loan is often the biggest financial commitment in a consumer's life. This complex transaction is logically accompanied by a strict regulatory framework that imposes precise obligations on credit professionals, whether lenders or intermediaries. These rules are designed to protect the individual borrower and restore balance to a contractual relationship that is by its very nature unbalanced. Understanding these obligations is essential if you are to assert your rights in the event of a breach. The obligation to provide information and explanations: clarity above all Customer information is the cornerstone of consumer protection when it comes to home loans. Even before making an offer, the lender or intermediary must provide clear and comprehensible general information about the contracts on offer, as stipulated in article L. 313-6 of the French Consumer Code. This initial information, often in the form of standardised documentation, must enable potential borrowers to familiarise themselves with the characteristics of the...
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