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Usurious rate: constituent elements and methods for calculating the TEG and TAEG
By Raphaël MORENON3 August 2025The total effective interest rate (TEG), replaced for some loans by the annual percentage rate (TAEG), represents much more than a simple percentage in a loan contract. It expresses in figures the total and real cost of the loan to the borrower. Its determination, which is governed by strict legal and mathematical rules, is an essential element of transparency in the relationship between the lender and its customer. An error in its calculation can have major financial consequences and justify legal action. Understanding its composition and calculation methods is therefore a fundamental step for any borrower wishing to make a commitment in full knowledge of the facts, a central aspect of the regulation of usury under French law: full guide. Assessing the usurious rate: general principles Usury, i.e. lending money at an excessively high rate of interest, is a regulated practice designed to protect borrowers. The assessment...
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> The practice of seizing propertyA practical, chronological and exhaustive study of the implementation of a property seizure procedure.
We put all our expertise to work to achieve a simple objective: to prevent a property seizure.
Attachment of successively enforceable claims
Seizure of claims for successive performance is an effective method of seizing a debtor's recurrent payments, such as rent or wages.Informing third parties to the proceedings - Seizure of property
As part of the property seizure procedure, third parties to the procedure must be informed that an auction is going to take place. The tenant or occupant in good faith The tenant or occupant in good faith must be informed of the auction at least 1 month before it takes place. A...Legal publicity - Seizure of property
Legal advertising enables the pursuing creditor to inform the public that an auction sale is going to take place. It enables the public to find out the details of the sale. The Code of Civil Enforcement Procedures strictly governs the way in which this must be done. The pursuing creditor is subject to...Blocked bank account after death: operation and deadline
How long does it take for a bank account to be blocked following the death of the account holder? The question of what happens to one or more bank accounts in the event of death is far from rhetorical, and can be a determining factor not only for the heirs, but also for the...Out-of-court sales - Seizure of property
When it comes to property seizures, an amicable sale avoids the discount that often results from an auction. However, this solution has its own drawbacks. It is also technical to implement, and often confusing for the notary. Here's where we stand.Attachment of a bank account
Garnishment of a bank account is an effective way for creditors to protect themselves against the risk of non-payment. Analysis.Schematics of the foreclosure procedure
Our bible of diagrams relating to the property seizure procedure.How long can a bailiff claim a debt?
A judicial commissioner, the successor profession to the judicial officer, can be appointed to collect debts, whether through amicable or legal proceedings. For a full explanation of these changes, see our guide to the new role and powers of the judicial commissioner. However, a...Private sale - Seizure of property
When it comes to foreclosures, the concept of private sale is little understood. It meets a very real practical need, yet is widely practised. How is it possible, and what does it involve?Appeal of the orientation judgment - Seizure of property
Appealing against a referral decision is a difficult and tricky procedure. The stakes are high, however, and the slightest misstep can have irreparable consequences.
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