Mortgage loan
Indemnity for early repayment (ira) on a mortgage loan: legal regime and disputes
By Charlotte GAUCHON25 June 2025Early repayment of a mortgage is an important step in a borrower's financial life, often prompted by an unexpected influx of cash, the purchase of a loan on more favourable terms or the sale of the property being financed. While this is a right for the consumer, it is not without a downside for the bank, which sees a source of future income disappear. It is in this context that the early repayment charge (IRA) comes into play, a form of compensation whose calculation, ceiling and legal validity are strictly regulated. Understanding the rules governing this compensation is essential for any borrower considering paying off their loan early. This article sets out to explain the legal framework of the IRA in detail, exploring both the borrower's rights and the possible mechanisms for contesting them, an area in which the assistance of a lawyer who is an expert in mortgage law can prove decisive. Renegotiation and...
Understanding the legal framework for home loans
Mortgages, Credit and consumer lawA house, a flat. For most people in France, buying a property is often the project of a lifetime. It is almost always financed by taking out a bank loan. Given the financial stakes involved and the length of the commitment, the legislator has gradually put in place a series of conditions...Special situations when it comes to mortgages
Mortgages, Credit and consumer lawBuying a property is an important step, and one that is often financed by credit. While conventional property loans are well known, some situations are out of the ordinary and require extra vigilance. Whether it's borrowing in a foreign currency, coordinating several loans or understanding the subtleties of suspensive conditions,...The anatocism clause, or capitalisation of interest
Mortgages, Credit and consumer lawThe capitalisation of interest, more technically known as anatocism, is a mechanism that can have significant financial consequences on the cost of a debt in the event of late payment. The term may seem technical, but it is worth understanding how it works and what it involves, particularly in the case of mortgages. If...
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