Deprecated: Creation of dynamic property wpdb::$categories is deprecated in /home/webpmefrjv/logement/wp-includes/wp-db.php on line 668

Deprecated: Creation of dynamic property wpdb::$post2cat is deprecated in /home/webpmefrjv/logement/wp-includes/wp-db.php on line 668

Deprecated: Creation of dynamic property wpdb::$link2cat is deprecated in /home/webpmefrjv/logement/wp-includes/wp-db.php on line 668

Deprecated: Return type of WP_Theme::offsetExists($offset) should either be compatible with ArrayAccess::offsetExists(mixed $offset): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/webpmefrjv/logement/wp-includes/class-wp-theme.php on line 554

Deprecated: Return type of WP_Theme::offsetGet($offset) should either be compatible with ArrayAccess::offsetGet(mixed $offset): mixed, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/webpmefrjv/logement/wp-includes/class-wp-theme.php on line 595

Deprecated: Return type of WP_Theme::offsetSet($offset, $value) should either be compatible with ArrayAccess::offsetSet(mixed $offset, mixed $value): void, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/webpmefrjv/logement/wp-includes/class-wp-theme.php on line 535

Deprecated: Return type of WP_Theme::offsetUnset($offset) should either be compatible with ArrayAccess::offsetUnset(mixed $offset): void, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/webpmefrjv/logement/wp-includes/class-wp-theme.php on line 544

Deprecated: Using ${var} in strings is deprecated, use {$var} instead in /home/webpmefrjv/logement/wp-includes/comment-template.php on line 1745

Deprecated: Return type of WP_REST_Request::offsetExists($offset) should either be compatible with ArrayAccess::offsetExists(mixed $offset): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/webpmefrjv/logement/wp-includes/rest-api/class-wp-rest-request.php on line 960

Deprecated: Return type of WP_REST_Request::offsetGet($offset) should either be compatible with ArrayAccess::offsetGet(mixed $offset): mixed, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/webpmefrjv/logement/wp-includes/rest-api/class-wp-rest-request.php on line 980

Deprecated: Return type of WP_REST_Request::offsetSet($offset, $value) should either be compatible with ArrayAccess::offsetSet(mixed $offset, mixed $value): void, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/webpmefrjv/logement/wp-includes/rest-api/class-wp-rest-request.php on line 992

Deprecated: Return type of WP_REST_Request::offsetUnset($offset) should either be compatible with ArrayAccess::offsetUnset(mixed $offset): void, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/webpmefrjv/logement/wp-includes/rest-api/class-wp-rest-request.php on line 1003

Deprecated: Return type of WP_Block_List::current() should either be compatible with Iterator::current(): mixed, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/webpmefrjv/logement/wp-includes/class-wp-block-list.php on line 151

Deprecated: Return type of WP_Block_List::next() should either be compatible with Iterator::next(): void, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/webpmefrjv/logement/wp-includes/class-wp-block-list.php on line 175

Deprecated: Return type of WP_Block_List::key() should either be compatible with Iterator::key(): mixed, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/webpmefrjv/logement/wp-includes/class-wp-block-list.php on line 164

Deprecated: Return type of WP_Block_List::valid() should either be compatible with Iterator::valid(): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/webpmefrjv/logement/wp-includes/class-wp-block-list.php on line 186

Deprecated: Return type of WP_Block_List::rewind() should either be compatible with Iterator::rewind(): void, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/webpmefrjv/logement/wp-includes/class-wp-block-list.php on line 138

Deprecated: Return type of WP_Block_List::offsetExists($index) should either be compatible with ArrayAccess::offsetExists(mixed $offset): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/webpmefrjv/logement/wp-includes/class-wp-block-list.php on line 75

Deprecated: Return type of WP_Block_List::offsetGet($index) should either be compatible with ArrayAccess::offsetGet(mixed $offset): mixed, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/webpmefrjv/logement/wp-includes/class-wp-block-list.php on line 89

Deprecated: Return type of WP_Block_List::offsetSet($index, $value) should either be compatible with ArrayAccess::offsetSet(mixed $offset, mixed $value): void, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/webpmefrjv/logement/wp-includes/class-wp-block-list.php on line 110

Deprecated: Return type of WP_Block_List::offsetUnset($index) should either be compatible with ArrayAccess::offsetUnset(mixed $offset): void, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/webpmefrjv/logement/wp-includes/class-wp-block-list.php on line 127

Deprecated: Return type of WP_Block_List::count() should either be compatible with Countable::count(): int, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/webpmefrjv/logement/wp-includes/class-wp-block-list.php on line 199

Deprecated: Creation of dynamic property Cookie_Notice::$options is deprecated in /home/webpmefrjv/logement/wp-content/plugins/cookie-notice/cookie-notice.php on line 141

Deprecated: Creation of dynamic property Cookie_Notice::$bot_detect is deprecated in /home/webpmefrjv/logement/wp-content/plugins/cookie-notice/cookie-notice.php on line 116

Deprecated: Creation of dynamic property Cookie_Notice_Frontend::$app_url is deprecated in /home/webpmefrjv/logement/wp-content/plugins/cookie-notice/includes/frontend.php on line 20

Deprecated: Creation of dynamic property Cookie_Notice::$frontend is deprecated in /home/webpmefrjv/logement/wp-content/plugins/cookie-notice/cookie-notice.php on line 117

Deprecated: Creation of dynamic property Cookie_Notice::$settings is deprecated in /home/webpmefrjv/logement/wp-content/plugins/cookie-notice/cookie-notice.php on line 118

Deprecated: Creation of dynamic property Cookie_Notice::$welcome is deprecated in /home/webpmefrjv/logement/wp-content/plugins/cookie-notice/cookie-notice.php on line 119

Deprecated: Creation of dynamic property Cookie_Notice::$welcome_api is deprecated in /home/webpmefrjv/logement/wp-content/plugins/cookie-notice/cookie-notice.php on line 120

Deprecated: Creation of dynamic property Cookie_Notice::$welcome_frontend is deprecated in /home/webpmefrjv/logement/wp-content/plugins/cookie-notice/cookie-notice.php on line 121

Deprecated: Using ${var} in strings is deprecated, use {$var} instead in /home/webpmefrjv/logement/wp-content/plugins/duplicator-pro/addons/probase/src/License/Notices.php on line 100

Deprecated: Creation of dynamic property POMO_FileReader::$is_overloaded is deprecated in /home/webpmefrjv/logement/wp-includes/pomo/streams.php on line 26

Deprecated: Creation of dynamic property POMO_FileReader::$_pos is deprecated in /home/webpmefrjv/logement/wp-includes/pomo/streams.php on line 29

Deprecated: Creation of dynamic property POMO_FileReader::$_f is deprecated in /home/webpmefrjv/logement/wp-includes/pomo/streams.php on line 160

Deprecated: Creation of dynamic property MO::$_gettext_select_plural_form is deprecated in /home/webpmefrjv/logement/wp-includes/pomo/translations.php on line 293

Deprecated: Using ${var} in strings is deprecated, use {$var} instead in /home/webpmefrjv/logement/wp-content/plugins/updraftplus/class-updraftplus.php on line 955

Deprecated: Using ${var} in strings is deprecated, use {$var} instead in /home/webpmefrjv/logement/wp-content/plugins/updraftplus/class-updraftplus.php on line 955

Deprecated: Using ${var} in strings is deprecated, use {$var} instead in /home/webpmefrjv/logement/wp-content/plugins/updraftplus/class-updraftplus.php on line 1528

Deprecated: Using ${var} in strings is deprecated, use {$var} instead in /home/webpmefrjv/logement/wp-content/plugins/updraftplus/class-updraftplus.php on line 2267

Deprecated: Using ${var} in strings is deprecated, use {$var} instead in /home/webpmefrjv/logement/wp-content/plugins/updraftplus/class-updraftplus.php on line 3112

Deprecated: Using ${var} in strings is deprecated, use {$var} instead in /home/webpmefrjv/logement/wp-content/plugins/updraftplus/class-updraftplus.php on line 3118

Deprecated: Using ${var} in strings is deprecated, use {$var} instead in /home/webpmefrjv/logement/wp-content/plugins/updraftplus/class-updraftplus.php on line 3236

Deprecated: Using ${var} in strings is deprecated, use {$var} instead in /home/webpmefrjv/logement/wp-content/plugins/wp-super-cache/wp-cache-phase2.php on line 2949

Deprecated: Using ${var} in strings is deprecated, use {$var} instead in /home/webpmefrjv/logement/wp-content/plugins/wp-super-cache/wp-cache-phase2.php on line 2973

Deprecated: Using ${var} in strings is deprecated, use {$var} instead in /home/webpmefrjv/logement/wp-content/plugins/wp-super-cache/wp-cache-phase2.php on line 3014

Deprecated: Creation of dynamic property POMO_FileReader::$is_overloaded is deprecated in /home/webpmefrjv/logement/wp-includes/pomo/streams.php on line 26

Deprecated: Creation of dynamic property POMO_FileReader::$_pos is deprecated in /home/webpmefrjv/logement/wp-includes/pomo/streams.php on line 29

Deprecated: Creation of dynamic property POMO_FileReader::$_f is deprecated in /home/webpmefrjv/logement/wp-includes/pomo/streams.php on line 160

Deprecated: Creation of dynamic property MO::$_gettext_select_plural_form is deprecated in /home/webpmefrjv/logement/wp-includes/pomo/translations.php on line 293

Deprecated: Creation of dynamic property POMO_FileReader::$is_overloaded is deprecated in /home/webpmefrjv/logement/wp-includes/pomo/streams.php on line 26

Deprecated: Creation of dynamic property POMO_FileReader::$_pos is deprecated in /home/webpmefrjv/logement/wp-includes/pomo/streams.php on line 29

Deprecated: Creation of dynamic property POMO_FileReader::$_f is deprecated in /home/webpmefrjv/logement/wp-includes/pomo/streams.php on line 160

Deprecated: Creation of dynamic property MO::$_gettext_select_plural_form is deprecated in /home/webpmefrjv/logement/wp-includes/pomo/translations.php on line 293

Deprecated: Creation of dynamic property POMO_FileReader::$is_overloaded is deprecated in /home/webpmefrjv/logement/wp-includes/pomo/streams.php on line 26

Deprecated: Creation of dynamic property POMO_FileReader::$_pos is deprecated in /home/webpmefrjv/logement/wp-includes/pomo/streams.php on line 29

Deprecated: Creation of dynamic property POMO_FileReader::$_f is deprecated in /home/webpmefrjv/logement/wp-includes/pomo/streams.php on line 160

Deprecated: Creation of dynamic property MO::$_gettext_select_plural_form is deprecated in /home/webpmefrjv/logement/wp-includes/pomo/translations.php on line 293

Deprecated: Creation of dynamic property POMO_FileReader::$is_overloaded is deprecated in /home/webpmefrjv/logement/wp-includes/pomo/streams.php on line 26

Deprecated: Creation of dynamic property POMO_FileReader::$_pos is deprecated in /home/webpmefrjv/logement/wp-includes/pomo/streams.php on line 29

Deprecated: Creation of dynamic property POMO_FileReader::$_f is deprecated in /home/webpmefrjv/logement/wp-includes/pomo/streams.php on line 160

Deprecated: Creation of dynamic property MO::$_gettext_select_plural_form is deprecated in /home/webpmefrjv/logement/wp-includes/pomo/translations.php on line 293

Deprecated: Creation of dynamic property POMO_FileReader::$is_overloaded is deprecated in /home/webpmefrjv/logement/wp-includes/pomo/streams.php on line 26

Deprecated: Creation of dynamic property POMO_FileReader::$_pos is deprecated in /home/webpmefrjv/logement/wp-includes/pomo/streams.php on line 29

Deprecated: Creation of dynamic property POMO_FileReader::$_f is deprecated in /home/webpmefrjv/logement/wp-includes/pomo/streams.php on line 160

Deprecated: Creation of dynamic property MO::$_gettext_select_plural_form is deprecated in /home/webpmefrjv/logement/wp-includes/pomo/translations.php on line 293

Deprecated: Creation of dynamic property POMO_FileReader::$is_overloaded is deprecated in /home/webpmefrjv/logement/wp-includes/pomo/streams.php on line 26

Deprecated: Creation of dynamic property POMO_FileReader::$_pos is deprecated in /home/webpmefrjv/logement/wp-includes/pomo/streams.php on line 29

Deprecated: Creation of dynamic property POMO_FileReader::$_f is deprecated in /home/webpmefrjv/logement/wp-includes/pomo/streams.php on line 160

Deprecated: Creation of dynamic property MO::$_gettext_select_plural_form is deprecated in /home/webpmefrjv/logement/wp-includes/pomo/translations.php on line 293

Deprecated: Creation of dynamic property POMO_FileReader::$is_overloaded is deprecated in /home/webpmefrjv/logement/wp-includes/pomo/streams.php on line 26

Deprecated: Creation of dynamic property POMO_FileReader::$_pos is deprecated in /home/webpmefrjv/logement/wp-includes/pomo/streams.php on line 29

Deprecated: Creation of dynamic property POMO_FileReader::$_f is deprecated in /home/webpmefrjv/logement/wp-includes/pomo/streams.php on line 160

Deprecated: Creation of dynamic property MO::$_gettext_select_plural_form is deprecated in /home/webpmefrjv/logement/wp-includes/pomo/translations.php on line 293

Deprecated: Creation of dynamic property POMO_FileReader::$is_overloaded is deprecated in /home/webpmefrjv/logement/wp-includes/pomo/streams.php on line 26

Deprecated: Creation of dynamic property POMO_FileReader::$_pos is deprecated in /home/webpmefrjv/logement/wp-includes/pomo/streams.php on line 29

Deprecated: Creation of dynamic property POMO_FileReader::$_f is deprecated in /home/webpmefrjv/logement/wp-includes/pomo/streams.php on line 160

Deprecated: Creation of dynamic property MO::$_gettext_select_plural_form is deprecated in /home/webpmefrjv/logement/wp-includes/pomo/translations.php on line 293

Deprecated: Creation of dynamic property Cookie_Notice_Settings::$revoke_opts is deprecated in /home/webpmefrjv/logement/wp-content/plugins/cookie-notice/includes/settings.php on line 58

Deprecated: Creation of dynamic property POMO_FileReader::$is_overloaded is deprecated in /home/webpmefrjv/logement/wp-includes/pomo/streams.php on line 26

Deprecated: Creation of dynamic property POMO_FileReader::$_pos is deprecated in /home/webpmefrjv/logement/wp-includes/pomo/streams.php on line 29

Deprecated: Creation of dynamic property POMO_FileReader::$_f is deprecated in /home/webpmefrjv/logement/wp-includes/pomo/streams.php on line 160

Deprecated: Creation of dynamic property MO::$_gettext_select_plural_form is deprecated in /home/webpmefrjv/logement/wp-includes/pomo/translations.php on line 293

Deprecated: Using ${var} in strings is deprecated, use {$var} instead in /home/webpmefrjv/logement/wp-content/plugins/so-widgets-bundle/base/inc/widgets/base-slider.class.php on line 608

Deprecated: Creation of dynamic property POMO_FileReader::$is_overloaded is deprecated in /home/webpmefrjv/logement/wp-includes/pomo/streams.php on line 26

Deprecated: Creation of dynamic property POMO_FileReader::$_pos is deprecated in /home/webpmefrjv/logement/wp-includes/pomo/streams.php on line 29

Deprecated: Creation of dynamic property POMO_FileReader::$_f is deprecated in /home/webpmefrjv/logement/wp-includes/pomo/streams.php on line 160

Deprecated: Creation of dynamic property MO::$_gettext_select_plural_form is deprecated in /home/webpmefrjv/logement/wp-includes/pomo/translations.php on line 293

Deprecated: DateTime::__construct(): Passing null to parameter #1 ($datetime) of type string is deprecated in /home/webpmefrjv/logement/wp-includes/script-loader.php on line 333

Deprecated: Creation of dynamic property Advanced_Excerpt::$plugin_version is deprecated in /home/webpmefrjv/logement/wp-content/plugins/advanced-excerpt/class/advanced-excerpt.php on line 39

Deprecated: Creation of dynamic property Advanced_Excerpt::$plugin_file_path is deprecated in /home/webpmefrjv/logement/wp-content/plugins/advanced-excerpt/class/advanced-excerpt.php on line 40

Deprecated: Creation of dynamic property Advanced_Excerpt::$plugin_dir_path is deprecated in /home/webpmefrjv/logement/wp-content/plugins/advanced-excerpt/class/advanced-excerpt.php on line 41

Deprecated: Creation of dynamic property Advanced_Excerpt::$plugin_folder_name is deprecated in /home/webpmefrjv/logement/wp-content/plugins/advanced-excerpt/class/advanced-excerpt.php on line 42

Deprecated: Creation of dynamic property Advanced_Excerpt::$plugin_basename is deprecated in /home/webpmefrjv/logement/wp-content/plugins/advanced-excerpt/class/advanced-excerpt.php on line 43

Deprecated: Creation of dynamic property Advanced_Excerpt::$plugin_base is deprecated in /home/webpmefrjv/logement/wp-content/plugins/advanced-excerpt/class/advanced-excerpt.php on line 44

Deprecated: Creation of dynamic property WP_Block_Type::$skip_inner_blocks is deprecated in /home/webpmefrjv/logement/wp-includes/class-wp-block-type.php on line 347

Deprecated: Creation of dynamic property Cookie_Notice_Frontend::$preview_mode is deprecated in /home/webpmefrjv/logement/wp-content/plugins/cookie-notice/includes/frontend.php on line 32

Deprecated: Creation of dynamic property POMO_FileReader::$is_overloaded is deprecated in /home/webpmefrjv/logement/wp-includes/pomo/streams.php on line 26

Deprecated: Creation of dynamic property POMO_FileReader::$_pos is deprecated in /home/webpmefrjv/logement/wp-includes/pomo/streams.php on line 29

Deprecated: Creation of dynamic property POMO_FileReader::$_f is deprecated in /home/webpmefrjv/logement/wp-includes/pomo/streams.php on line 160

Deprecated: Creation of dynamic property MO::$_gettext_select_plural_form is deprecated in /home/webpmefrjv/logement/wp-includes/pomo/translations.php on line 293

Deprecated: trim(): Passing null to parameter #1 ($string) of type string is deprecated in /home/webpmefrjv/logement/wp-includes/class-wp.php on line 173

Deprecated: Creation of dynamic property WP_Term::$object_id is deprecated in /home/webpmefrjv/logement/wp-includes/class-wp-term.php on line 198

Deprecated: Creation of dynamic property WP_Term::$object_id is deprecated in /home/webpmefrjv/logement/wp-includes/class-wp-term.php on line 198
Innovation financière et protection des consommateurs – Politique du logement.com
Deprecated: Creation of dynamic property POMO_FileReader::$is_overloaded is deprecated in /home/webpmefrjv/logement/wp-includes/pomo/streams.php on line 26

Deprecated: Creation of dynamic property POMO_FileReader::$_pos is deprecated in /home/webpmefrjv/logement/wp-includes/pomo/streams.php on line 29

Deprecated: Creation of dynamic property POMO_FileReader::$_f is deprecated in /home/webpmefrjv/logement/wp-includes/pomo/streams.php on line 160

Deprecated: Creation of dynamic property MO::$_gettext_select_plural_form is deprecated in /home/webpmefrjv/logement/wp-includes/pomo/translations.php on line 293

Deprecated: Using ${var} in strings is deprecated, use {$var} instead in /home/webpmefrjv/logement/wp-content/plugins/google-analytics-dashboard-for-wp/includes/frontend/tracking/class-tracking-gtag.php on line 149

Deprecated: Using ${var} in strings is deprecated, use {$var} instead in /home/webpmefrjv/logement/wp-content/plugins/google-analytics-dashboard-for-wp/includes/frontend/tracking/class-tracking-gtag.php on line 149

Deprecated: Using ${var} in strings is deprecated, use {$var} instead in /home/webpmefrjv/logement/wp-content/plugins/google-analytics-dashboard-for-wp/includes/frontend/tracking/class-tracking-gtag.php on line 151

Deprecated: Using ${var} in strings is deprecated, use {$var} instead in /home/webpmefrjv/logement/wp-content/plugins/google-analytics-dashboard-for-wp/includes/frontend/tracking/class-tracking-gtag.php on line 151

Deprecated: Using ${var} in strings is deprecated, use {$var} instead in /home/webpmefrjv/logement/wp-content/plugins/google-analytics-dashboard-for-wp/includes/frontend/tracking/class-tracking-gtag.php on line 165

Deprecated: Using ${var} in strings is deprecated, use {$var} instead in /home/webpmefrjv/logement/wp-content/plugins/google-analytics-dashboard-for-wp/includes/frontend/tracking/class-tracking-gtag.php on line 165
Deprecated: Creation of dynamic property SiteOrigin_Panels::$container is deprecated in /home/webpmefrjv/logement/wp-content/plugins/siteorigin-panels/siteorigin-panels.php on line 541
class="post-template-default single single-post postid-6827 single-format-standard wide">

Deprecated: Creation of dynamic property WP_Term::$cat_ID is deprecated in /home/webpmefrjv/logement/wp-includes/category.php on line 378

Deprecated: Creation of dynamic property WP_Term::$category_count is deprecated in /home/webpmefrjv/logement/wp-includes/category.php on line 379

Deprecated: Creation of dynamic property WP_Term::$category_description is deprecated in /home/webpmefrjv/logement/wp-includes/category.php on line 380

Deprecated: Creation of dynamic property WP_Term::$cat_name is deprecated in /home/webpmefrjv/logement/wp-includes/category.php on line 381

Deprecated: Creation of dynamic property WP_Term::$category_nicename is deprecated in /home/webpmefrjv/logement/wp-includes/category.php on line 382

Deprecated: Creation of dynamic property WP_Term::$category_parent is deprecated in /home/webpmefrjv/logement/wp-includes/category.php on line 383

Deprecated: Creation of dynamic property WP_Term::$cat_ID is deprecated in /home/webpmefrjv/logement/wp-includes/category.php on line 378

Deprecated: Creation of dynamic property WP_Term::$category_count is deprecated in /home/webpmefrjv/logement/wp-includes/category.php on line 379

Deprecated: Creation of dynamic property WP_Term::$category_description is deprecated in /home/webpmefrjv/logement/wp-includes/category.php on line 380

Deprecated: Creation of dynamic property WP_Term::$cat_name is deprecated in /home/webpmefrjv/logement/wp-includes/category.php on line 381

Deprecated: Creation of dynamic property WP_Term::$category_nicename is deprecated in /home/webpmefrjv/logement/wp-includes/category.php on line 382

Deprecated: Creation of dynamic property WP_Term::$category_parent is deprecated in /home/webpmefrjv/logement/wp-includes/category.php on line 383

Deprecated: Creation of dynamic property WP_Term::$cat_ID is deprecated in /home/webpmefrjv/logement/wp-includes/category.php on line 378

Deprecated: Creation of dynamic property WP_Term::$category_count is deprecated in /home/webpmefrjv/logement/wp-includes/category.php on line 379

Deprecated: Creation of dynamic property WP_Term::$category_description is deprecated in /home/webpmefrjv/logement/wp-includes/category.php on line 380

Deprecated: Creation of dynamic property WP_Term::$cat_name is deprecated in /home/webpmefrjv/logement/wp-includes/category.php on line 381

Deprecated: Creation of dynamic property WP_Term::$category_nicename is deprecated in /home/webpmefrjv/logement/wp-includes/category.php on line 382

Deprecated: Creation of dynamic property WP_Term::$category_parent is deprecated in /home/webpmefrjv/logement/wp-includes/category.php on line 383

Deprecated: Creation of dynamic property WP_Term::$cat_ID is deprecated in /home/webpmefrjv/logement/wp-includes/category.php on line 378

Deprecated: Creation of dynamic property WP_Term::$category_count is deprecated in /home/webpmefrjv/logement/wp-includes/category.php on line 379

Deprecated: Creation of dynamic property WP_Term::$category_description is deprecated in /home/webpmefrjv/logement/wp-includes/category.php on line 380

Deprecated: Creation of dynamic property WP_Term::$cat_name is deprecated in /home/webpmefrjv/logement/wp-includes/category.php on line 381

Deprecated: Creation of dynamic property WP_Term::$category_nicename is deprecated in /home/webpmefrjv/logement/wp-includes/category.php on line 382

Deprecated: Creation of dynamic property WP_Term::$category_parent is deprecated in /home/webpmefrjv/logement/wp-includes/category.php on line 383

Deprecated: Creation of dynamic property WP_Term::$cat_ID is deprecated in /home/webpmefrjv/logement/wp-includes/category.php on line 378

Deprecated: Creation of dynamic property WP_Term::$category_count is deprecated in /home/webpmefrjv/logement/wp-includes/category.php on line 379

Deprecated: Creation of dynamic property WP_Term::$category_description is deprecated in /home/webpmefrjv/logement/wp-includes/category.php on line 380

Deprecated: Creation of dynamic property WP_Term::$cat_name is deprecated in /home/webpmefrjv/logement/wp-includes/category.php on line 381

Deprecated: Creation of dynamic property WP_Term::$category_nicename is deprecated in /home/webpmefrjv/logement/wp-includes/category.php on line 382

Deprecated: Creation of dynamic property WP_Term::$category_parent is deprecated in /home/webpmefrjv/logement/wp-includes/category.php on line 383

Deprecated: Creation of dynamic property WP_Term::$cat_ID is deprecated in /home/webpmefrjv/logement/wp-includes/category.php on line 378

Deprecated: Creation of dynamic property WP_Term::$category_count is deprecated in /home/webpmefrjv/logement/wp-includes/category.php on line 379

Deprecated: Creation of dynamic property WP_Term::$category_description is deprecated in /home/webpmefrjv/logement/wp-includes/category.php on line 380

Deprecated: Creation of dynamic property WP_Term::$cat_name is deprecated in /home/webpmefrjv/logement/wp-includes/category.php on line 381

Deprecated: Creation of dynamic property WP_Term::$category_nicename is deprecated in /home/webpmefrjv/logement/wp-includes/category.php on line 382

Deprecated: Creation of dynamic property WP_Term::$category_parent is deprecated in /home/webpmefrjv/logement/wp-includes/category.php on line 383

Innovation financière et protection des consommateurs


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Imprimer

BNP-Paribas personal finance a été condamnée à des dommages et intérêts très importants pour avoir consenti des prêts en francs suisses, sans avoir attiré suffisamment l’attention ses emprunteurs sur les risques encourus. Comparé à ses principaux partenaires, la France se caractérise par un très haut niveau de protection du consommateur, notamment en matière d’emprunt. Et les juges renforcent cette attitude en interprétant le droit avec rigueur. Les tribunaux sont particulièrement sévères lorsque les emprunteurs sont des accédants modestes. Plusieurs établissements spécialisés s’étaient ainsi vus sanctionnés pour avoir proposé des prêts indexés dont leurs propres agents peinaient à comprendre le mécanisme.  Dans le cas d’espèce, cette sévérité s’étend aux ménages en quête d’investissements immobiliers. Or en matière de crédit, il est difficile à un établissement prêteur de se différencier autrement que par le taux ou par le montant de la première mensualité. Un taux ou une première mensualité plus faible a nécessairement pour contrepartie un risque de voir les mensualités ou le taux futur s’élever de façon importante. S’agissant des prêts en devises étrangères, l’ANIL avait en son temps publié une note précisant ce qu’est le risque de change indiquant que seuls pouvaient rationnellement le prendre les travailleurs frontaliers empruntant dans la monnaie dans laquelle ils percevaient leurs revenus. Les emprunteurs pouvaient-ils ignorer le pari qu’ils faisaient ? Les vendeurs leur ont-ils insuffisamment expliqué le risque qu’ils prenaient ? Une chose est certaine, ni les uns ni les autres n’avaient pu envisager la décision prise en janvier 2015 par la Banque Nationale Suisse de mettre fin au taux de change plancher provoquant une envolée du franc suisse par rapport à l’euro. En une séance, le franc suisse s’était apprécié de près de 20 %. Le Royaume-Uni accepte que les emprunteurs souscrivent les produits les plus risqués dès lors que les conditions en sont clairement exposées et qu’ils en acceptent les conséquences. L’attitude française qui consiste à protéger les emprunteurs, le cas échéant contre eux-mêmes, pénalise-t-elle l’innovation financière ? C’était ce que soutenaient certains avant la crise financière de 2008. La façon dont les accédants ont traversé la crise, sans que le nombre de saisies augmente de façon significative, montre que s’agissant de prêts aux ménages c’est probablement une attitude raisonnable. L’innovation financière a moins à y perdre que l’innovation commerciale.

Bernard Vorms
Février 2020

 

Bernard Vorms

Economiste spécialisé dans le domaine du logement, IEP de Paris et DES d’économie politique. Il a dirigé l’ANIL/agence nationale pour l’information sur le logement et présidé la SGFGAS/société de gestion du fond de garantie de l’accession sociale jusqu’à la fin de l’année 2013. Il a présidé le Conseil national de la transaction et de la gestion immobilière de 2014 à 2019. Il a réalisé de nombreux rapports pour le gouvernement et publié des études mettant l’accent sur les comparaisons internationales.


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