{
  "table": "loan-payment-calculator-rules",
  "schema": 1,
  "version": "2026-11-11.1",
  "title": "Loan payment rules: French usury ceilings and the United Kingdom's position",
  "doc": "Rule table read by the loan-payment-calculator handler (ctx.data['loan-payment-calculator-rules']). Rates are percentage points (8.56 means 8,56 %). France: the usury ceilings (seuils de l'usure) the Banque de France publishes for the quarter, by loan category; a category is picked by loan_kind, then by amount in euros (amount_above < amount <= amount_up_to) or by term in months (months_from <= months < months_below); null means no bound. United Kingdom: no general ceiling on loan interest exists, so there is nothing to compare. Table-level valid_from/valid_until bound the period during which this version may be relied on: the ceilings change every quarter, so after valid_until the table must be reviewed again (the build refuses an expired table).",
  "reviewed_on": "2026-11-11",
  "reviewed_by": "apps-calculators agent (automated research against official sources, 2026-11-11); owner review pending",
  "valid_from": "2026-10-01",
  "valid_until": "2026-12-31",
  "locale_country": {
    "fr-FR": "FR",
    "en-GB": "GB"
  },
  "sources": [
    {
      "id": "bdf-usure-2026-q4",
      "label": "Banque de France : Taux d’usure – 2026-Q4 (mis en ligne le 28 septembre 2026, mis à jour le 9 novembre 2026)",
      "url": "https://www.banque-france.fr/fr/statistiques/taux-et-cours/taux-dusure-2026-q4",
      "date": "2026-11-09",
      "retrieved": "2026-11-11"
    },
    {
      "id": "conso-r314-3",
      "label": "Légifrance : code de la consommation, article R314-3 (TAEG calculé actuariellement, méthode d’équivalence)",
      "url": "https://www.legifrance.gouv.fr/codes/article_lc/LEGIARTI000032807608/",
      "date": "2016-10-01",
      "retrieved": "2026-11-11"
    },
    {
      "id": "uk-fsma-137c",
      "label": "legislation.gov.uk: Financial Services (Banking Reform) Act 2013, section 131 (FCA cap on the cost of high-cost short-term credit)",
      "url": "https://www.legislation.gov.uk/ukpga/2013/33/section/131",
      "date": "2014-02-18",
      "retrieved": "2026-11-11"
    },
    {
      "id": "uk-cca-140a",
      "label": "legislation.gov.uk: Consumer Credit Act 1974, section 140A (unfair relationships)",
      "url": "https://www.legislation.gov.uk/ukpga/1974/39/section/140A",
      "date": "2026-11-09",
      "retrieved": "2026-11-11"
    }
  ],
  "countries": {
    "FR": {
      "name": {
        "fr-FR": "France",
        "en-GB": "France"
      },
      "currency": "EUR",
      "usury": {
        "period": "2026-Q4",
        "legal_basis": "Code de la consommation, art. L314-6 ; code monétaire et financier, art. L313-5-1",
        "valid_from": "2026-10-01",
        "valid_until": "2026-12-31",
        "source_url": "https://www.banque-france.fr/fr/statistiques/taux-et-cours/taux-dusure-2026-q4",
        "source_date": "2026-11-09",
        "retrieved": "2026-11-11",
        "categories": [
          {
            "id": "conso-3000",
            "loan_kind": "conso",
            "amount_above": null,
            "amount_up_to": 3000,
            "months_from": null,
            "months_below": null,
            "rate": 23.6,
            "average_rate": 17.7,
            "name": {
              "fr-FR": "crédit à la consommation de 3 000 € ou moins",
              "en-GB": "consumer loan of €3,000 or less"
            },
            "official_label": "Prêts d’un montant inférieur ou égal à 3 000 euros",
            "valid_from": "2026-10-01",
            "valid_until": "2026-12-31",
            "source_url": "https://www.banque-france.fr/fr/statistiques/taux-et-cours/taux-dusure-2026-q4",
            "source_date": "2026-11-09"
          },
          {
            "id": "conso-6000",
            "loan_kind": "conso",
            "amount_above": 3000,
            "amount_up_to": 6000,
            "months_from": null,
            "months_below": null,
            "rate": 15.76,
            "average_rate": 11.82,
            "name": {
              "fr-FR": "crédit à la consommation de plus de 3 000 € et jusqu’à 6 000 €",
              "en-GB": "consumer loan of over €3,000 and up to €6,000"
            },
            "official_label": "Prêts d’un montant supérieur à 3 000 euros et inférieur ou égal à 6 000 euros",
            "valid_from": "2026-10-01",
            "valid_until": "2026-12-31",
            "source_url": "https://www.banque-france.fr/fr/statistiques/taux-et-cours/taux-dusure-2026-q4",
            "source_date": "2026-11-09"
          },
          {
            "id": "conso-plus",
            "loan_kind": "conso",
            "amount_above": 6000,
            "amount_up_to": null,
            "months_from": null,
            "months_below": null,
            "rate": 8.56,
            "average_rate": 6.42,
            "name": {
              "fr-FR": "crédit à la consommation de plus de 6 000 €",
              "en-GB": "consumer loan of over €6,000"
            },
            "official_label": "Prêts d’un montant supérieur à 6 000 euros",
            "valid_from": "2026-10-01",
            "valid_until": "2026-12-31",
            "source_url": "https://www.banque-france.fr/fr/statistiques/taux-et-cours/taux-dusure-2026-q4",
            "source_date": "2026-11-09"
          },
          {
            "id": "immo-fixe-10",
            "loan_kind": "immo-fixe",
            "amount_above": null,
            "amount_up_to": null,
            "months_from": null,
            "months_below": 120,
            "rate": 4.09,
            "average_rate": 3.07,
            "name": {
              "fr-FR": "prêt immobilier à taux fixe de moins de 10 ans",
              "en-GB": "fixed-rate property loan of under 10 years"
            },
            "official_label": "Prêts à taux fixe d’une durée inférieure à 10 ans",
            "valid_from": "2026-10-01",
            "valid_until": "2026-12-31",
            "source_url": "https://www.banque-france.fr/fr/statistiques/taux-et-cours/taux-dusure-2026-q4",
            "source_date": "2026-11-09"
          },
          {
            "id": "immo-fixe-20",
            "loan_kind": "immo-fixe",
            "amount_above": null,
            "amount_up_to": null,
            "months_from": 120,
            "months_below": 240,
            "rate": 4.68,
            "average_rate": 3.51,
            "name": {
              "fr-FR": "prêt immobilier à taux fixe de 10 ans à moins de 20 ans",
              "en-GB": "fixed-rate property loan of 10 to under 20 years"
            },
            "official_label": "Prêts à taux fixe d’une durée comprise entre 10 ans et moins de 20 ans",
            "valid_from": "2026-10-01",
            "valid_until": "2026-12-31",
            "source_url": "https://www.banque-france.fr/fr/statistiques/taux-et-cours/taux-dusure-2026-q4",
            "source_date": "2026-11-09"
          },
          {
            "id": "immo-fixe-plus",
            "loan_kind": "immo-fixe",
            "amount_above": null,
            "amount_up_to": null,
            "months_from": 240,
            "months_below": null,
            "rate": 5.4,
            "average_rate": 4.05,
            "name": {
              "fr-FR": "prêt immobilier à taux fixe de 20 ans et plus",
              "en-GB": "fixed-rate property loan of 20 years or more"
            },
            "official_label": "Prêts à taux fixe d’une durée de 20 ans et plus",
            "valid_from": "2026-10-01",
            "valid_until": "2026-12-31",
            "source_url": "https://www.banque-france.fr/fr/statistiques/taux-et-cours/taux-dusure-2026-q4",
            "source_date": "2026-11-09"
          },
          {
            "id": "immo-variable",
            "loan_kind": "immo-variable",
            "amount_above": null,
            "amount_up_to": null,
            "months_from": null,
            "months_below": null,
            "rate": 5.52,
            "average_rate": 4.14,
            "name": {
              "fr-FR": "prêt immobilier à taux variable",
              "en-GB": "variable-rate property loan"
            },
            "official_label": "Prêts à taux variable",
            "valid_from": "2026-10-01",
            "valid_until": "2026-12-31",
            "source_url": "https://www.banque-france.fr/fr/statistiques/taux-et-cours/taux-dusure-2026-q4",
            "source_date": "2026-11-09"
          },
          {
            "id": "relais",
            "loan_kind": "relais",
            "amount_above": null,
            "amount_up_to": null,
            "months_from": null,
            "months_below": null,
            "rate": 6.49,
            "average_rate": 4.87,
            "name": {
              "fr-FR": "prêt relais",
              "en-GB": "bridging loan"
            },
            "official_label": "Prêts relais",
            "valid_from": "2026-10-01",
            "valid_until": "2026-12-31",
            "source_url": "https://www.banque-france.fr/fr/statistiques/taux-et-cours/taux-dusure-2026-q4",
            "source_date": "2026-11-09"
          }
        ],
        "not_applicable": [
          {
            "id": "pro",
            "loan_kind": "pro",
            "text": {
              "fr-FR": "Prêts aux personnes physiques agissant pour leurs besoins professionnels et aux personnes morales ayant une activité professionnelle : la Banque de France ne publie un seuil de l’usure que pour les découverts en compte (19,08 % au 4e trimestre 2026).",
              "en-GB": "Loans to individuals acting for their business and to companies with a business activity: the Banque de France publishes a usury ceiling only for overdrafts (19.08% in the fourth quarter of 2026)."
            },
            "valid_from": "2026-10-01",
            "valid_until": "2026-12-31",
            "source_url": "https://www.banque-france.fr/fr/statistiques/taux-et-cours/taux-dusure-2026-q4",
            "source_date": "2026-11-09"
          }
        ]
      },
      "notes": [
        {
          "id": "fr-usury-one-third",
          "text": {
            "fr-FR": "Un prêt est usuraire quand son taux effectif global dépasse de plus d’un tiers le taux effectif moyen pratiqué au trimestre précédent pour des prêts de même catégorie (code de la consommation, art. L314-6). Chaque seuil de ce tableau vaut le taux moyen publié multiplié par 4/3.",
            "en-GB": "A loan is usurious when its overall effective rate exceeds by more than a third the average effective rate charged in the previous quarter for loans of the same category (French consumer code, art. L314-6). Each ceiling in this table is the published average rate times 4/3."
          },
          "valid_from": "2026-10-01",
          "valid_until": "2026-12-31",
          "source_url": "https://www.banque-france.fr/fr/statistiques/taux-et-cours/taux-dusure-2026-q4",
          "source_date": "2026-11-09"
        },
        {
          "id": "fr-works-loans-threshold",
          "text": {
            "fr-FR": "Un prêt travaux (réparation, amélioration ou entretien d’un logement) relève des crédits de trésorerie jusqu’à 75 000 €, et des crédits immobiliers au-delà. À partir du 20 novembre 2026, cette limite passe à 100 000 €.",
            "en-GB": "A home works loan (repairing, improving or maintaining a home) counts as consumer credit up to €75,000 and as a property loan above that. From 20 November 2026 the limit rises to €100,000."
          },
          "valid_from": "2026-10-01",
          "valid_until": "2026-12-31",
          "source_url": "https://www.banque-france.fr/fr/statistiques/taux-et-cours/taux-dusure-2026-q4",
          "source_date": "2026-11-09"
        }
      ]
    },
    "GB": {
      "name": {
        "fr-FR": "Royaume-Uni",
        "en-GB": "United Kingdom"
      },
      "currency": "GBP",
      "usury": null,
      "notes": [
        {
          "id": "gb-no-general-cap",
          "text": {
            "fr-FR": "Le Royaume-Uni n’a pas de plafond général des taux d’intérêt. La loi impose à la FCA de plafonner le coût du crédit à court terme à coût élevé (prêts sur salaire), et un tribunal peut revoir un contrat de crédit dont la relation est inéquitable pour l’emprunteur.",
            "en-GB": "The United Kingdom has no general cap on loan interest rates. The law requires the FCA to cap the cost of high-cost short-term credit (payday loans), and a court can reopen a credit agreement whose relationship is unfair to the borrower."
          },
          "valid_from": "2015-01-02",
          "valid_until": null,
          "source_url": "https://www.legislation.gov.uk/ukpga/2013/33/section/131",
          "source_date": "2014-02-18",
          "see_also": [
            "https://www.legislation.gov.uk/ukpga/1974/39/section/140A"
          ]
        },
        {
          "id": "gb-apr-method",
          "text": {
            "fr-FR": "Au Royaume-Uni, le TAEG (APR) se calcule selon la méthode de l’annexe CONC App 1.2 du règlement de la FCA.",
            "en-GB": "In the United Kingdom the APR is worked out by the method in CONC App 1.2 of the FCA Handbook."
          },
          "valid_from": "2014-04-01",
          "valid_until": null,
          "source_url": "https://www.fca.org.uk/publication/research-notes/navigating-disclosure-trade-off-balancing-flexibility-standardisation-cost-credit-information.pdf",
          "source_date": "2026-04-29"
        }
      ]
    }
  }
}