Credit and consumer law
Home loan renegotiation and consolidation: understanding the legal issues
By Charlotte GAUCHON25 June 2025Managing a mortgage, a major financial commitment for most households and businesses, can change. Whether to take advantage of a fall in interest rates or to overcome financial difficulties, borrowers have two main options: renegotiation and debt consolidation. Although these mechanisms have a similar objective of optimising debt, they follow very different legal and practical approaches. Understanding their respective frameworks is essential for assessing the opportunities and risks. Dealing with repayment difficulties on home loans often involves exploring these amicable solutions before considering more restrictive measures. This article complements our analysis of the renegotiation and early repayment of home loans, focusing on the legal aspects and potential pitfalls of these operations. The assistance of a lawyer who is an expert in mortgage law is often decisive...
Obligations and responsibilities in property leasing
Leasing, Credit and consumer lawProperty leasing is an original legal arrangement. Neither a simple lease nor pure financing, it creates a specific balance between the parties. The lessee has access to the property without any heavy initial investment, while the lessor retains ownership of the property as security. This hybrid structure means that the obligations and obligations of the parties...Understanding how cheques are issued in France: the basics
Cheques, Credit and consumer lawDespite the proliferation of electronic means of payment, cheques still play a significant role in everyday transactions in France. However, although cheques may seem simple to handle, they are subject to precise legal rules, and failure to understand them can lead to difficulties and even disputes. For a broader understanding of the rules...The fundamentals of property leasing: definition and essential mechanisms
Leasing, Credit and consumer lawProperty leasing is an attractive option for many companies looking to finance their business premises without tying up cash. This mechanism makes it possible to acquire a building without a large initial outlay. It is a complex mechanism combining leasing and credit, and deserves to be explored in all its essential aspects. What is property leasing? Legal definition A...Loansharking: penalties and recent regulatory changes
Credit and consumer law, UsuryExcessive interest rates expose lenders to severe penalties. The anti-usury system is characterised by its dual nature, criminal and civil. In recent years, the legislator has relaxed certain rules, particularly for business loans. For a complete understanding of the concept of usurious lending, its...Usury under French law: definition, scope and rate calculation
Credit and consumer law, UsuryControlling interest rates is a major issue in protecting borrowers and businesses against abusive practices. In France, interest rates are capped under the anti-abuse system, and lenders who exceed these limits are penalised. This regulation, which is often little-known, deserves our full attention, given its practical implications...Equipment leasing in the face of company difficulties (receivership and liquidation)
Leasing, Credit and consumer lawFacing financial difficulties is an ordeal for any company. When the situation becomes critical and receivership or liquidation proceedings are initiated, many questions arise about the fate of existing contracts. What happens to your equipment financed by equipment leasing? Can you continue to...Equipment leasing: lessor's guarantees and end of contract
Leasing, Credit and consumer lawAlthough equipment leasing offers many advantages to the lessee, it represents an investment and therefore a risk for the financial institution that buys the equipment and makes it available. How does the lessor protect itself against possible hazards, such as non-payment of rent or damage to the equipment? What are the...Equipment leasing contract: your rights and obligations as lessee
Leasing, Credit and consumer lawYou've chosen equipment leasing to finance new equipment. That's an important step. Now it's essential to fully understand the implications of the contract you are about to sign or have already signed. This document is not a mere formality; it defines a precise legal framework...Equipment leasing: a financing solution for your business?
Leasing, Credit and consumer lawFinancing the acquisition of equipment is a key stage in the development or modernisation of any business. These investments, which are often costly, are part of a wider corporate law framework. Among the professional financing solutions available, equipment leasing, also known as finance leasing, offers a highly attractive alternative...The life of the leasing contract: key stages and points to watch out for
Leasing, Credit and consumer lawSigning a leasing contract is no trivial matter. It commits your company for what is often a long time, with precise obligations and stages to be respected. Unlike a simple rental or direct purchase, leasing involves a specific procedure, from the moment it is set up to the end of the lease...Leasing: a financing solution for your business?
Leasing, Credit and consumer lawFinancing business equipment or property is an essential stage in the life of a company. Among the options available, leasing is often considered. It's a widespread solution, but its mechanisms and legal implications are sometimes unclear to company directors. Is it simply a...What assets can you finance with leasing? From equipment to property to shares
Leasing, Credit and consumer lawWhen you think of leasing, the image that often springs to mind is that of financing professional vehicles or industrial machinery. However, this financial tool is much more versatile. Did you know that it is possible, under certain conditions, to finance the purchase of your offices, or even a business premises?International agreements governing export credits
Export credit, Credit and consumer lawAn exporter who offers advantageous financing often wins the contract. For a long time, this logic led governments to subsidise their exporters with subsidised loans. The result was costly and sterile competition between economic powers. The OECD Arrangement: origin and legal nature The OECD Arrangement on Export Credits...Coface and export credit insurance: a practical guide for exporters
Credit insurance, Credit and consumer lawNavigating the stormy waters of international trade without adequate protection exposes your business to considerable risk. For an in-depth understanding of credit insurance, from its definition to its legal nature and evolution, we need to look at its specific features. Export credit insurance is an essential shield to protect your business against...The over-indebtedness procedure: stages and practical effects
Credit and consumer law, Over-indebtednessThe spiral of debt can quickly spiral out of control. Unpaid bills, accumulating credit, overdrafts... When it becomes impossible to pay off non-business debts, the over-indebtedness procedure offers a legal way out. This procedure, codified in articles L.711-1 et seq. of the French Consumer Code, enables people who...Dealing with repayment difficulties on home loans
Mortgages, Credit and consumer lawFinancial difficulties can strike anyone. An accident, redundancy or divorce can make it impossible to repay a mortgage. Fortunately, the law provides a number of mechanisms to help borrowers in difficulty. These schemes help to avoid spiralling debt and give borrowers a second chance...Risks covered by export credit insurance
Credit insurance, Credit and consumer lawInternational transactions expose companies to particular risks. Between the time goods leave the country and the time payment is received, a number of events can jeopardise the commercial transaction. Political risk or "country risk" Political risk, now commonly referred to as "country risk", is one of the most common types of...Understanding over-indebtedness: definition and legal solutions
Credit and consumer law, Over-indebtednessOver-indebtedness affects many people in France. This critical financial situation requires appropriate legal solutions. In 2023, more than 120,000 cases were submitted to over-indebtedness commissions. Each case reveals a complex reality, combining economic difficulties with a demanding and constantly evolving legal framework. What is...Renegotiation and early repayment of mortgages
Mortgages, Credit and consumer lawThe life of a mortgage is not a long, quiet river. A significant fall in market interest rates, a marked improvement in your financial situation or, on the contrary, temporary difficulties may lead you to consider amending your initial loan contract. Fortunately, the legal framework...Securing your export operations with credit insurance
Credit insurance, Credit and consumer law```html Exporting opens up tempting business prospects, but involves specific risks. How do you protect your cash flow when a foreign customer doesn't pay? Export credit insurance, particularly through Coface, is an essential tool for companies expanding internationally. Export credit insurance policies: three formulas to suit...
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