By Charlotte GAUCHON
17 June 2025
Taking out a loan is a frequent stage in the life of a business or an individual. But every loan has a cost: the lender's remuneration. Far from being left to the discretion of the banks, this remuneration is governed by a set of complex legal rules designed to protect the borrower. This article provides an overview of the fundamental concepts that govern the cost of credit, from the fixing of contractual interest to the Total Effective Rate (TEG) and the ban on usury. Each subject, which is deliberately dealt with in summary form here, is the subject of a more detailed analysis in our dedicated articles. Our firm offers legal expertise in banking and financial law to guide you through these mechanisms. Contractual interest: principles and fixing procedures Interest represents the 'rent' for the money lent. It is the lender's main remuneration for the service rendered and the risk incurredCOPY00
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