Subsection 1: European standardised information sheet

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Article R313-6

French Consumer CodeIn force

Updated 7 Nov 2023

Where the credit agreement allows for adjustments to the borrowing rate, this possibility and its possible effects on the amounts due and on the annual percentage rate of charge are mentioned in the European standardised information sheet referred to in Article L. 313-7. To this end, the borrower is provided with an additional annual percentage rate of charge illustrating the possible risks associated with a substantial increase in the borrowing rate. Where the borrowing rate is not capped, this information is accompanied by a warning that the total cost of credit to the borrower, as indicated by the annual percentage rate of charge, may change.
. This provision does not apply to credit agreements where the borrowing rate is fixed for an initial period of at least five years, at the end of which the borrowing rate is negotiated in order to agree a new fixed rate for a new period. In this case, an additional illustrative annual percentage rate of charge is provided for in the European standardised information sheet.

Mariela Petrova

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Common Questions

Working with a corporate lawyer in France — Q&A

Any time a strategic decision changes how the company is owned, governed or contractually bound — incorporation, fundraising, M&A, restructuring, shareholder agreements, or major commercial contracts. Earlier engagement always costs less than later remediation.

A notary (notaire) is a public officer who authenticates specific deeds (mainly real-estate transfers and certain family-law acts). A corporate lawyer (avocat) advises on strategy, negotiates and drafts company documents, and represents you in disputes. The two roles complement rather than overlap.

Yes — most of our clients are foreign suppliers, investors or holding entities. We bridge the gap between French law and your home jurisdiction's expectations and deliver everything bilingually.

The SAS (Société par Actions Simplifiée) is the default choice for most international structures: flexible governance, single shareholder allowed, no minimum capital, and works cleanly with foreign holding entities. We assess SARL, SA, SCI on the merits when the situation calls for it.

Yes — communications with a French avocat are protected by the secret professionnel (Article 66-5 of the Law of 31 December 1971). This protection is broader than the common-law attorney-client privilege and applies to written and oral exchanges.

We work on fixed fees for clearly scoped engagements (incorporation, contract drafting, audits) and on monthly retainers for ongoing advisory. Hourly billing is the exception, not the default. You always know the cost before work starts.

Typical timeline is 2–3 weeks from KYC kick-off to RCS registration, assuming standard documentation. Holding-company structures, foreign-shareholder identification or in-kind contributions can extend this — we flag the gating items at the first meeting.

Absolutely. We routinely coordinate with your in-house counsel, expert-comptable or notaire — pragmatic collaboration is the norm, not the exception. We send them everything they need to do their part without duplicating work.

Mariela Petrova

Mariela Petrova

Avocate au Barreau de Paris

Toque #C2396

15+ Years In Corporate Practice

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Communications protected by professional secrecy — secret professionnel de l'avocat, Article 66-5 of the Law of 31 December 1971.

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