Un emprunteur qui, sans en avoir le droit, ne paierait pas l'échéance d'un crédit entre le 12 mars 2020 et l'expiration d'un délai d'un mois à compter de la date de cessation de l'état d'urgence sanitaire (lui-même censé durer deux mois à compter du 24 mars 2020 sauf report), pourrait arguer que la clause d'exigibilité anticipée du crédit et la clause d'intérêts de retard (une clause pénale) ne pourront produire leurs effets qu'à compter de l'expiration de cette période en application de l'ordonnance n° 2020-306 du 25 mars 2020 prise en application de la loi d'urgence n° 2020-290 du 23 mars

A borrower who, without having the right to do so, would not pay a credit instalment due between 12 March 2020 and one month after the end of the state of health emergency (which is supposed to last two months as from 24 March 2020 but could be extended), could argue that the loan documents' acceleration clause and default interest clause (a liquidated damage clause) shall only take effect after that period pursuant to Ordinance No. 2020-306 of 25 March 2020, adopted further to the "emergency" Law No. 2020-290 of 23 March 2020.

A borrower who, without having the right to do so, would not pay a credit instalment due between 12 March 2020 and one month after the end of the state of health emergency (which is supposed to last two months as from 24 March 2020 but could be extended), could argue that the loan documents' acceleration clause and default interest clause (a liquidated damage clause) shall only take effect after that period pursuant to Ordinance No. 2020-306 of 25 March 2020, adopted further to the "emergency" Law No. 2020-290 of 23 March 2020.

This article was first published in Digital Asset.

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