Statutory interest: what the Civil Code gives a creditor

The lesson41
Worked case3
Quiz1
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In this module

Module 1 of 2

Test yourself

A way to check what has landed — no marks, no account · 1 section · 365 words · 6 min

Test yourself

Question 1 of 6

A consumer pays a craftsman late. Which regime governs the interest?

Legislative Decree 231/2002 on commercial transactionsThe Civil Code: statutory interestNo interest is ever owed by a consumerA rate chosen by the craftsman

Question 2 of 6

Under article 1224, what must a creditor prove to obtain statutory interest from the day of default?

The loss actually sufferedNothing: the interest is owed even without proof of lossThat the debtor acted in bad faithThat a court has been seized

Question 3 of 6

How is a debtor ordinarily put in default?

By a phone callAutomatically, one month after the due dateBy a demand or request made in writingOnly by a court order

Question 4 of 6

Which statutory rate applies to days of 2026?

5 per cent, as printed in article 1284The rate set by the ministerial decree for 2026The rate of the year the contract was signedThe rate agreed orally between the parties

Question 5 of 6

A period of default covers days in 2025 and days in 2026. How is the interest computed?

At the 2026 rate for all daysAt the average of the two ratesSeparately for each year's days, at that year's rate, then addedAt the rate of the year of the court claim

Question 6 of 6

No rate was agreed and the creditor brings a court claim. What changes from that moment?

Interest stops runningThe rate becomes the commercial late-payment rateThe rate is halvedNothing changes

Back to the programme Module 2 — nextLate invoices between businesses: Legislative Decree 231/2002

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Educational content, current with the sources cited. It does not replace advice tailored to your situation. These courses are neither certifying nor CPF-eligible: they prepare for no certification registered with the French RNCP or specific register.

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