By Charlotte GAUCHON
8 May 2025
Buying a property is often the investment of a lifetime. In most cases, taking out a mortgage is an essential step in the process. Given the importance of this commitment, the French legislator, particularly since Ordinance no. 2016-351 of 25 March 2016 transposing a European directive, has strengthened the protection of borrowers. The aim of this reform was to establish a more transparent and secure framework for home loan contracts entered into after 1 October 2016. However, lending institutions do not always scrupulously comply with their obligations. What are the most common failings and, above all, what penalties do banks and credit institutions incur in the event of misconduct? Understanding these mechanisms is essential for any borrower wishing to assert their rights. For an overview of the changes brought about by the reform, you can consult our complete guide to post-reform 2016 home loans. Penalties for failure to comply with the...
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