{"id":1692,"date":"2024-04-28T02:53:56","date_gmt":"2024-04-28T00:53:56","guid":{"rendered":"https:\/\/www.service-public.pf\/dgae\/?page_id=1692"},"modified":"2024-05-23T08:08:51","modified_gmt":"2024-05-23T06:08:51","slug":"credit-a-la-consommation-en-polynesie-francaise-hors-credit-immobilier","status":"publish","type":"page","link":"https:\/\/www.service-public.pf\/dgae\/consommateurs\/achat-dun-produit-ou-service\/credit-a-la-consommation-en-polynesie-francaise-hors-credit-immobilier\/","title":{"rendered":"Cr\u00e9dit \u00e0 la consommation en Polyn\u00e9sie Fran\u00e7aise (hors cr\u00e9dit immobilier)"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container has-pattern-background has-mask-background fusion-parallax-none nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-background-position:left center;--awb-background-blend-mode:overlay;--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:30px;--awb-padding-bottom:30px;--awb-padding-left:40px;--awb-background-image:linear-gradient(141deg, rgba(255,255,255,0) 20%,var(--awb-color3) 50%),url(https:\/\/www.service-public.pf\/dgae\/wp-content\/uploads\/sites\/44\/2024\/05\/Achat-produit-et-service.jpg);;--awb-background-size:cover;--awb-flex-wrap:wrap;\" ><div class=\"awb-background-pattern\" style=\"background-image:  url();opacity: 1 ;background-size:100px;mix-blend-mode:normal;\"><\/div><div class=\"awb-background-mask\" style=\"background-image:  url();opacity: 1 ;transform: scale(1, 1);mix-blend-mode:normal;\"><\/div><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1144px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-padding-top:45px;--awb-padding-bottom:45px;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:15px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:15px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-1\" style=\"--awb-font-size:50px;--awb-text-color:var(--awb-color1);--awb-text-font-family:&quot;Nunito&quot;;--awb-text-font-style:normal;--awb-text-font-weight:500;\"><p>Cr\u00e9dit \u00e0 la consommation en Polyn\u00e9sie Fran\u00e7aise (hors cr\u00e9dit immobilier)<\/p>\n<\/div><\/div><\/div><\/div><\/div>\n<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-background-color:var(--awb-color3);--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1144px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:6px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:8px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><nav class=\"fusion-breadcrumbs fusion-breadcrumbs-1\" style=\"--awb-font-size:16px;--awb-text-hover-color:var(--awb-color2);--awb-text-color:var(--awb-color1);--awb-breadcrumb-sep:&#039;\/&#039;;\" aria-label=\"Breadcrumb\"><ol class=\"awb-breadcrumb-list\"><li class=\"fusion-breadcrumb-item awb-breadcrumb-sep\" ><a href=\"https:\/\/www.service-public.pf\/dgae\" class=\"fusion-breadcrumb-link\"><span >Accueil<\/span><\/a><\/li><\/ol><\/nav><\/div><\/div><\/div><\/div>\n<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-3 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:35px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1144px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_1_4 1_4 fusion-flex-column fusion-no-small-visibility fusion-no-medium-visibility\" style=\"--awb-padding-top:26px;--awb-padding-right:24px;--awb-padding-bottom:61px;--awb-padding-left:19px;--awb-overflow:hidden;--awb-bg-color:var(--awb-custom15);--awb-bg-color-hover:var(--awb-custom15);--awb-bg-size:cover;--awb-border-radius:15px 15px 15px 15px;--awb-width-large:25%;--awb-margin-top-large:0px;--awb-spacing-right-large:8.448%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:0%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-2\"><p style=\"font-size: 25px;font-family: Nunito;font-weight: 600\" data-fusion-font=\"true\" data-fusion-google-font=\"Nunito\" data-fusion-google-variant=\"600\">Consommateurs<\/p>\n<\/div><nav class=\"awb-menu awb-menu_column awb-menu_em-click mobile-mode-collapse-to-button awb-menu_icons-left awb-menu_dc-yes mobile-trigger-fullwidth-off awb-menu_mobile-toggle awb-menu_indent-left close-on-outer-click-yes mobile-size-full-absolute loading mega-menu-loading awb-menu_desktop awb-menu_arrows-sub awb-menu_v-stacked awb-submenu_cm_accordion\" style=\"--awb-font-size:15px;--awb-min-height:20px;--awb-bg:rgba(238,246,222,0);--awb-border-radius-top-left:15px;--awb-border-radius-top-right:15px;--awb-border-radius-bottom-right:15px;--awb-border-radius-bottom-left:15px;--awb-gap:15px;--awb-items-padding-top:5px;--awb-items-padding-right:10px;--awb-items-padding-bottom:5px;--awb-items-padding-left:10px;--awb-border-color:var(--awb-color3);--awb-border-top:1px;--awb-border-right:1px;--awb-border-bottom:1px;--awb-border-left:1px;--awb-color:var(--awb-color3);--awb-active-color:var(--awb-color3);--awb-active-bg:var(--awb-custom15);--awb-active-border-top:1px;--awb-active-border-right:1px;--awb-active-border-bottom:1px;--awb-active-border-left:1px;--awb-active-border-color:var(--awb-color3);--awb-submenu-bg:rgba(238,246,222,0);--awb-submenu-sep-color:var(--awb-color3);--awb-submenu-active-bg:rgba(238,246,222,0);--awb-submenu-active-color:var(--awb-color3);--awb-arrows-size-height:2px;--awb-arrows-size-width:2px;--awb-main-justify-content:flex-start;--awb-sub-justify-content:flex-start;--awb-mobile-bg:var(--awb-custom15);--awb-mobile-active-bg:var(--awb-custom15);--awb-mobile-trigger-color:var(--awb-color2);--awb-mobile-trigger-background-color:var(--awb-custom15);--awb-mobile-justify:flex-start;--awb-mobile-caret-left:auto;--awb-mobile-caret-right:0;--awb-fusion-font-family-typography:&quot;Nunito&quot;;--awb-fusion-font-style-typography:normal;--awb-fusion-font-weight-typography:700;--awb-fusion-font-family-submenu-typography:&quot;Nunito&quot;;--awb-fusion-font-style-submenu-typography:normal;--awb-fusion-font-weight-submenu-typography:400;--awb-fusion-font-family-mobile-typography:inherit;--awb-fusion-font-style-mobile-typography:normal;--awb-fusion-font-weight-mobile-typography:400;\" aria-label=\"Menu navigation pages consommateurs\" data-breakpoint=\"1024\" data-count=\"0\" data-transition-type=\"fade\" data-transition-time=\"300\"><button type=\"button\" class=\"awb-menu__m-toggle awb-menu__m-toggle_no-text\" aria-expanded=\"false\" aria-controls=\"menu-menu-navigation-pages-consommateurs\"><span class=\"awb-menu__m-toggle-inner\"><span class=\"collapsed-nav-text\"><span class=\"screen-reader-text\">Toggle Navigation<\/span><\/span><span class=\"awb-menu__m-collapse-icon awb-menu__m-collapse-icon_no-text\"><span class=\"awb-menu__m-collapse-icon-open awb-menu__m-collapse-icon-open_no-text fa-bars fas\"><\/span><span class=\"awb-menu__m-collapse-icon-close awb-menu__m-collapse-icon-close_no-text fa-times fas\"><\/span><\/span><\/span><\/button><ul id=\"menu-menu-navigation-pages-consommateurs\" class=\"fusion-menu awb-menu__main-ul awb-menu__main-ul_column\"><li  id=\"menu-item-1955\"  class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-1955 awb-menu__li awb-menu__main-li awb-menu__main-li_regular awb-menu__main-li_with-sub-arrow awb-menu__main-li_with-arrow\"  data-item-id=\"1955\"><span class=\"awb-menu__main-background-default awb-menu__main-background-default_fade\"><\/span><span class=\"awb-menu__main-background-active awb-menu__main-background-active_fade\"><\/span><a  href=\"https:\/\/www.service-public.pf\/dgae\/consommateurs\/assurance\/\" class=\"awb-menu__main-a awb-menu__main-a_regular\"><span class=\"menu-text\">Assurance<\/span><\/a><button type=\"button\" aria-label=\"Open submenu of Assurance\" aria-expanded=\"false\" class=\"awb-menu__open-nav-submenu_mobile awb-menu__open-nav-submenu_click awb-menu__open-nav-submenu_main\"><\/button><span class=\"awb-menu__sub-arrow\"><\/span><ul class=\"awb-menu__sub-ul awb-menu__sub-ul_main\"><li  id=\"menu-item-1956\"  class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1956 awb-menu__li awb-menu__sub-li\" ><a  href=\"https:\/\/www.service-public.pf\/dgae\/consommateurs\/assurance\/assurance-scolaire\/\" class=\"awb-menu__sub-a\"><span>Assurance scolaire<\/span><\/a><\/li><li  id=\"menu-item-1957\"  class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1957 awb-menu__li awb-menu__sub-li\" ><a  href=\"https:\/\/www.service-public.pf\/dgae\/consommateurs\/assurance\/resilier-son-assurance\/\" class=\"awb-menu__sub-a\"><span>R\u00e9silier son assurance<\/span><\/a><\/li><\/ul><\/li><li  id=\"menu-item-1954\"  class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-1954 awb-menu__li awb-menu__main-li awb-menu__main-li_regular awb-menu__main-li_with-sub-arrow awb-menu__main-li_with-arrow\"  data-item-id=\"1954\"><span class=\"awb-menu__main-background-default awb-menu__main-background-default_fade\"><\/span><span class=\"awb-menu__main-background-active awb-menu__main-background-active_fade\"><\/span><a  href=\"https:\/\/www.service-public.pf\/dgae\/consommateurs\/vehicules\/\" class=\"awb-menu__main-a awb-menu__main-a_regular\"><span class=\"menu-text\">V\u00e9hicules<\/span><\/a><button type=\"button\" aria-label=\"Open submenu of V\u00e9hicules\" aria-expanded=\"false\" class=\"awb-menu__open-nav-submenu_mobile awb-menu__open-nav-submenu_click awb-menu__open-nav-submenu_main\"><\/button><span class=\"awb-menu__sub-arrow\"><\/span><ul class=\"awb-menu__sub-ul awb-menu__sub-ul_main\"><li  id=\"menu-item-1962\"  class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1962 awb-menu__li awb-menu__sub-li\" ><a  href=\"https:\/\/www.service-public.pf\/dgae\/consommateurs\/vehicules\/acheter-un-vehicule-neuf\/\" class=\"awb-menu__sub-a\"><span>Acheter un v\u00e9hicule neuf<\/span><\/a><\/li><li  id=\"menu-item-1963\"  class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1963 awb-menu__li awb-menu__sub-li\" ><a  href=\"https:\/\/www.service-public.pf\/dgae\/consommateurs\/vehicules\/acheter-un-vehicule-doccasion\/\" class=\"awb-menu__sub-a\"><span>Acheter un v\u00e9hicule d\u2019occasion<\/span><\/a><\/li><\/ul><\/li><li  id=\"menu-item-1958\"  class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-1958 awb-menu__li awb-menu__main-li awb-menu__main-li_regular awb-menu__main-li_with-sub-arrow awb-menu__main-li_with-arrow\"  data-item-id=\"1958\"><span class=\"awb-menu__main-background-default awb-menu__main-background-default_fade\"><\/span><span class=\"awb-menu__main-background-active awb-menu__main-background-active_fade\"><\/span><a  href=\"https:\/\/www.service-public.pf\/dgae\/consommateurs\/garanties-legales-et-commerciales\/\" class=\"awb-menu__main-a awb-menu__main-a_regular\"><span class=\"menu-text\">Garanties l\u00e9gales et commerciales<\/span><\/a><button type=\"button\" aria-label=\"Open submenu of Garanties l\u00e9gales et commerciales\" aria-expanded=\"false\" class=\"awb-menu__open-nav-submenu_mobile awb-menu__open-nav-submenu_click awb-menu__open-nav-submenu_main\"><\/button><span class=\"awb-menu__sub-arrow\"><\/span><ul class=\"awb-menu__sub-ul awb-menu__sub-ul_main\"><li  id=\"menu-item-1961\"  class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1961 awb-menu__li awb-menu__sub-li\" ><a  href=\"https:\/\/www.service-public.pf\/dgae\/consommateurs\/garanties-legales-et-commerciales\/garantie-legale-de-conformite\/\" class=\"awb-menu__sub-a\"><span>Garantie l\u00e9gale de conformit\u00e9<\/span><\/a><\/li><li  id=\"menu-item-1959\"  class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1959 awb-menu__li awb-menu__sub-li\" ><a  href=\"https:\/\/www.service-public.pf\/dgae\/consommateurs\/garanties-legales-et-commerciales\/garantie-commerciale\/\" class=\"awb-menu__sub-a\"><span>Garantie commerciale<\/span><\/a><\/li><li  id=\"menu-item-1960\"  class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1960 awb-menu__li awb-menu__sub-li\" ><a  href=\"https:\/\/www.service-public.pf\/dgae\/consommateurs\/garanties-legales-et-commerciales\/garantie-des-vices-caches\/\" class=\"awb-menu__sub-a\"><span>Garantie des vices cach\u00e9s<\/span><\/a><\/li><\/ul><\/li><li  id=\"menu-item-1964\"  class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-1964 awb-menu__li awb-menu__main-li awb-menu__main-li_regular awb-menu__main-li_with-sub-arrow awb-menu__main-li_with-arrow\"  data-item-id=\"1964\"><span class=\"awb-menu__main-background-default awb-menu__main-background-default_fade\"><\/span><span class=\"awb-menu__main-background-active awb-menu__main-background-active_fade\"><\/span><a  href=\"https:\/\/www.service-public.pf\/dgae\/consommateurs\/achat-dun-produit-ou-service\/\" class=\"awb-menu__main-a awb-menu__main-a_regular\"><span class=\"menu-text\">Achat d\u2019un produit ou service<\/span><\/a><button type=\"button\" aria-label=\"Open submenu of Achat d\u2019un produit ou service\" aria-expanded=\"false\" class=\"awb-menu__open-nav-submenu_mobile awb-menu__open-nav-submenu_click awb-menu__open-nav-submenu_main\"><\/button><span class=\"awb-menu__sub-arrow\"><\/span><ul class=\"awb-menu__sub-ul awb-menu__sub-ul_main\"><li  id=\"menu-item-1965\"  class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1965 awb-menu__li awb-menu__sub-li\" ><a  href=\"https:\/\/www.service-public.pf\/dgae\/consommateurs\/achat-dun-produit-ou-service\/acheter-sur-internet\/\" class=\"awb-menu__sub-a\"><span>Acheter sur internet<\/span><\/a><\/li><li  id=\"menu-item-1966\"  class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1966 awb-menu__li awb-menu__sub-li\" ><a  href=\"https:\/\/www.service-public.pf\/dgae\/consommateurs\/achat-dun-produit-ou-service\/arrhes-acompte-et-avoir\/\" class=\"awb-menu__sub-a\"><span>Arrhes, acompte et avoir<\/span><\/a><\/li><li  id=\"menu-item-1967\"  class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1967 awb-menu__li awb-menu__sub-li\" ><a  href=\"https:\/\/www.service-public.pf\/dgae\/consommateurs\/achat-dun-produit-ou-service\/contrat-de-service-de-communication\/\" class=\"awb-menu__sub-a\"><span>Contrat de service de communication<\/span><\/a><\/li><li  id=\"menu-item-1968\"  class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1968 awb-menu__li awb-menu__sub-li\" ><a  href=\"https:\/\/www.service-public.pf\/dgae\/consommateurs\/achat-dun-produit-ou-service\/credit-a-la-consommation-en-polynesie-francaise-hors-credit-immobilier\/\" class=\"awb-menu__sub-a\"><span>Cr\u00e9dit \u00e0 la consommation en Polyn\u00e9sie Fran\u00e7aise (hors cr\u00e9dit immobilier)<\/span><\/a><\/li><li  id=\"menu-item-1969\"  class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1969 awb-menu__li awb-menu__sub-li\" ><a  href=\"https:\/\/www.service-public.pf\/dgae\/consommateurs\/achat-dun-produit-ou-service\/delais-de-reflexion-et-de-retractation\/\" class=\"awb-menu__sub-a\"><span>D\u00e9lais de r\u00e9flexion et de r\u00e9tractation<\/span><\/a><\/li><li  id=\"menu-item-1970\"  class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1970 awb-menu__li awb-menu__sub-li\" ><a  href=\"https:\/\/www.service-public.pf\/dgae\/consommateurs\/achat-dun-produit-ou-service\/livraison\/\" class=\"awb-menu__sub-a\"><span>Livraison<\/span><\/a><\/li><\/ul><\/li><li  id=\"menu-item-1971\"  class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-1971 awb-menu__li awb-menu__main-li awb-menu__main-li_regular awb-menu__main-li_with-sub-arrow awb-menu__main-li_with-arrow\"  data-item-id=\"1971\"><span class=\"awb-menu__main-background-default awb-menu__main-background-default_fade\"><\/span><span class=\"awb-menu__main-background-active awb-menu__main-background-active_fade\"><\/span><a  href=\"https:\/\/www.service-public.pf\/dgae\/consommateurs\/prix-publicite-promotion-et-affichage-des-prix\/\" class=\"awb-menu__main-a awb-menu__main-a_regular\"><span class=\"menu-text\">Prix, publicit\u00e9, promotion et affichage des prix<\/span><\/a><button type=\"button\" aria-label=\"Open submenu of Prix, publicit\u00e9, promotion et affichage des prix\" aria-expanded=\"false\" class=\"awb-menu__open-nav-submenu_mobile awb-menu__open-nav-submenu_click awb-menu__open-nav-submenu_main\"><\/button><span class=\"awb-menu__sub-arrow\"><\/span><ul class=\"awb-menu__sub-ul awb-menu__sub-ul_main\"><li  id=\"menu-item-1972\"  class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1972 awb-menu__li awb-menu__sub-li\" ><a  href=\"https:\/\/www.service-public.pf\/dgae\/consommateurs\/prix-publicite-promotion-et-affichage-des-prix\/affichage-des-prix\/\" class=\"awb-menu__sub-a\"><span>Affichage des prix<\/span><\/a><\/li><li  id=\"menu-item-1973\"  class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1973 awb-menu__li awb-menu__sub-li\" ><a  href=\"https:\/\/www.service-public.pf\/dgae\/consommateurs\/prix-publicite-promotion-et-affichage-des-prix\/cadeaux-et-primes\/\" class=\"awb-menu__sub-a\"><span>Cadeaux et primes<\/span><\/a><\/li><li  id=\"menu-item-1974\"  class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1974 awb-menu__li awb-menu__sub-li\" ><a  href=\"https:\/\/www.service-public.pf\/dgae\/consommateurs\/prix-publicite-promotion-et-affichage-des-prix\/ppn-pgc-les-produits-reglementes\/\" class=\"awb-menu__sub-a\"><span>PPN, PGC : Les produits r\u00e9glement\u00e9s<\/span><\/a><\/li><li  id=\"menu-item-1975\"  class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1975 awb-menu__li awb-menu__sub-li\" ><a  href=\"https:\/\/www.service-public.pf\/dgae\/consommateurs\/prix-publicite-promotion-et-affichage-des-prix\/publicite-mensongere-ou-trompeuse\/\" class=\"awb-menu__sub-a\"><span>Publicit\u00e9 mensong\u00e8re ou trompeuse<\/span><\/a><\/li><li  id=\"menu-item-2636\"  class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-2636 awb-menu__li awb-menu__sub-li\" ><a  href=\"https:\/\/www.service-public.pf\/dgae\/consommateurs\/prix-publicite-promotion-et-affichage-des-prix\/reduction-de-prix\/\" class=\"awb-menu__sub-a\"><span>R\u00e9duction de prix<\/span><\/a><\/li><\/ul><\/li><li  id=\"menu-item-1976\"  class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-1976 awb-menu__li awb-menu__main-li awb-menu__main-li_regular awb-menu__main-li_with-sub-arrow awb-menu__main-li_with-arrow\"  data-item-id=\"1976\"><span class=\"awb-menu__main-background-default awb-menu__main-background-default_fade\"><\/span><span class=\"awb-menu__main-background-active awb-menu__main-background-active_fade\"><\/span><a  href=\"https:\/\/www.service-public.pf\/dgae\/consommateurs\/infos-diverses\/\" class=\"awb-menu__main-a awb-menu__main-a_regular\"><span class=\"menu-text\">Infos diverses<\/span><\/a><button type=\"button\" aria-label=\"Open submenu of Infos diverses\" aria-expanded=\"false\" class=\"awb-menu__open-nav-submenu_mobile awb-menu__open-nav-submenu_click awb-menu__open-nav-submenu_main\"><\/button><span class=\"awb-menu__sub-arrow\"><\/span><ul class=\"awb-menu__sub-ul awb-menu__sub-ul_main\"><li  id=\"menu-item-1977\"  class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1977 awb-menu__li awb-menu__sub-li\" ><a  href=\"https:\/\/www.service-public.pf\/dgae\/consommateurs\/infos-diverses\/artifices-de-divertissement-securite-et-conformite\/\" class=\"awb-menu__sub-a\"><span>Artifices de divertissement : s\u00e9curit\u00e9 et conformit\u00e9<\/span><\/a><\/li><li  id=\"menu-item-1978\"  class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1978 awb-menu__li awb-menu__sub-li\" ><a  href=\"https:\/\/www.service-public.pf\/dgae\/consommateurs\/infos-diverses\/la-revision-du-loyer\/\" class=\"awb-menu__sub-a\"><span>La r\u00e9vision du loyer<\/span><\/a><\/li><li  id=\"menu-item-1979\"  class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1979 awb-menu__li awb-menu__sub-li\" ><a  href=\"https:\/\/www.service-public.pf\/dgae\/consommateurs\/infos-diverses\/rappel-de-produits\/\" class=\"awb-menu__sub-a\"><span>Rappel de produits<\/span><\/a><\/li><li  id=\"menu-item-1980\"  class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1980 awb-menu__li awb-menu__sub-li\" ><a  href=\"https:\/\/www.service-public.pf\/dgae\/consommateurs\/infos-diverses\/resoudre-un-litige\/\" class=\"awb-menu__sub-a\"><span>R\u00e9soudre un litige<\/span><\/a><\/li><li  id=\"menu-item-1982\"  class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1982 awb-menu__li awb-menu__sub-li\" ><a  href=\"https:\/\/www.service-public.pf\/dgae\/consommateurs\/infos-diverses\/suivi-de-laccord-de-moderation-sur-les-tarifs-bancaires-aux-particuliers-en-polynesie-francaise\/\" class=\"awb-menu__sub-a\"><span>Suivi de l\u2019accord de mod\u00e9ration sur les tarifs bancaires aux particuliers en Polyn\u00e9sie fran\u00e7aise<\/span><\/a><\/li><li  id=\"menu-item-1983\"  class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1983 awb-menu__li awb-menu__sub-li\" ><a  href=\"https:\/\/www.service-public.pf\/dgae\/consommateurs\/infos-diverses\/ventes-en-reseau-mlm-a-la-boule-de-neige\/\" class=\"awb-menu__sub-a\"><span>Ventes en r\u00e9seau, MLM, \u00e0 la boule de neige\u2026<\/span><\/a><\/li><\/ul><\/li><li  id=\"menu-item-1984\"  class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1984 awb-menu__li awb-menu__main-li awb-menu__main-li_regular\"  data-item-id=\"1984\"><span class=\"awb-menu__main-background-default awb-menu__main-background-default_fade\"><\/span><span class=\"awb-menu__main-background-active awb-menu__main-background-active_fade\"><\/span><a  href=\"https:\/\/www.service-public.pf\/dgae\/consommateurs\/fiches-dinfo-pour-les-consommateurs\/\" class=\"awb-menu__main-a awb-menu__main-a_regular\"><span class=\"menu-text\">Fiches d\u2019info pour les consommateurs<\/span><\/a><\/li><\/ul><\/nav><\/div><\/div>\n<div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-3 fusion_builder_column_3_4 3_4 fusion-flex-column fusion-flex-align-self-flex-start\" style=\"--awb-bg-size:cover;--awb-width-large:75%;--awb-margin-top-large:0px;--awb-spacing-right-large:2.56%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:2.56%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:1;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-space-evenly fusion-content-layout-column\"><div class=\"fusion-text fusion-text-3 fusion-text-no-margin\" style=\"--awb-font-size:30px;--awb-line-height:var(--awb-typography1-line-height);--awb-letter-spacing:var(--awb-typography1-letter-spacing);--awb-text-transform:var(--awb-typography1-text-transform);--awb-margin-bottom:0px;--awb-text-font-family:&quot;Nunito&quot;;--awb-text-font-style:normal;--awb-text-font-weight:500;\"><p>Les diff\u00e9rentes formes de cr\u00e9dit<\/p>\n<\/div><div class=\"fusion-text fusion-text-4\" style=\"--awb-content-alignment:justify;--awb-font-size:20px;--awb-line-height:var(--awb-typography2-line-height);--awb-letter-spacing:var(--awb-typography2-letter-spacing);--awb-text-transform:var(--awb-typography2-text-transform);--awb-text-font-family:&quot;Nunito&quot;;--awb-text-font-style:normal;--awb-text-font-weight:400;\"><p>Il existe plusieurs formes de vente \u00e0 cr\u00e9dit :<\/p>\n<\/p>\n<ul>\n<li>les d\u00e9lais de paiement (paiement diff\u00e9r\u00e9)<\/li>\n<li>les facilit\u00e9s de paiement (paiement \u00e9chelonn\u00e9 en un petit nombre de fois &#8211; en g\u00e9n\u00e9ral 3 fois)<\/li>\n<li>les ventes ou prestations adoss\u00e9es \u00e0 un cr\u00e9dit \u00e9mis par une banque<\/li>\n<li>les ventes ou prestations adoss\u00e9es \u00e0 un cr\u00e9dit \u00ab\u00a0maison\u00a0\u00bb (fait directement par le commer\u00e7ant)<\/li>\n<li>les locations avec option d&rsquo;achat (LOA), le cr\u00e9dit-bail, le leasing.<\/li>\n<\/ul>\n<p>Ces d\u00e9lais, facilit\u00e9s et cr\u00e9dits peuvent, selon les cas \u00eatre gratuits ou payants.<\/p>\n<\/div><div class=\"fusion-builder-row fusion-builder-row-inner fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-0 fusion_builder_column_inner_1_1 1_1 fusion-flex-column fusion-flex-align-self-center\" style=\"--awb-padding-top:22.9812px;--awb-padding-right:35px;--awb-padding-bottom:13.95px;--awb-padding-left:35px;--awb-overflow:hidden;--awb-bg-color:var(--awb-custom15);--awb-bg-color-hover:var(--awb-custom15);--awb-bg-image:linear-gradient(180deg, var(--awb-custom10) 31%,var(--awb-color8) 86%);--awb-bg-size:cover;--awb-border-radius:15px 15px 15px 15px;--awb-width-large:100%;--awb-margin-top-large:10.9875px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-row fusion-flex-align-items-stretch fusion-content-nowrap\"><i class=\"fb-icon-element-1 fb-icon-element fontawesome-icon fa-exclamation-triangle fas circle-no fusion-text-flow\" style=\"--awb-iconcolor:var(--awb-color1);--awb-iconcolor-hover:var(--awb-color1);--awb-font-size:32px;--awb-margin-right:16px;\"><\/i><div class=\"fusion-text fusion-text-5\" style=\"--awb-font-size:22px;--awb-line-height:var(--awb-typography1-line-height);--awb-letter-spacing:var(--awb-typography1-letter-spacing);--awb-text-transform:var(--awb-typography1-text-transform);--awb-text-color:var(--awb-color1);--awb-margin-right:50px;--awb-margin-left:20px;--awb-text-font-family:var(--awb-typography1-font-family);--awb-text-font-weight:var(--awb-typography1-font-weight);--awb-text-font-style:var(--awb-typography1-font-style);\"><p>Attention<\/p>\n<\/div><div class=\"fusion-text fusion-text-6\" style=\"--awb-content-alignment:justify;--awb-font-size:20px;--awb-line-height:var(--awb-typography2-line-height);--awb-letter-spacing:var(--awb-typography2-letter-spacing);--awb-text-transform:var(--awb-typography2-text-transform);--awb-text-color:var(--awb-color1);--awb-margin-left:20px;--awb-text-font-family:&quot;Nunito&quot;;--awb-text-font-style:normal;--awb-text-font-weight:400;\"><div>\n<p>&#8211; Seuls les \u00e9tablissements de cr\u00e9dits ont le droit de faire du cr\u00e9dit \u00e0 titre habituel et on\u00e9reux : un commer\u00e7ant ne peut pas accorder, \u00e0 titre habituel, un cr\u00e9dit \u00ab\u00a0maison\u00a0\u00bb payant.<\/p>\n<p>&#8211; Tout ch\u00e8que \u00e9mis est encaissable imm\u00e9diatement et ce, peu importe la date indiqu\u00e9e sur le ch\u00e8que. Remettre plusieurs ch\u00e8ques \u00e0 un professionnel en vue d&rsquo;un paiement \u00e9chelonn\u00e9, est une facilit\u00e9 commerciale qui n&rsquo;engage en rien le professionnel qui peut finalement d\u00e9cider d&rsquo;encaisser les ch\u00e8ques sans attendre, sans avoir livr\u00e9 le bien voire en cas de litige, sans avoir r\u00e9solu le probl\u00e8me.<\/p>\n<\/div>\n<\/div><\/div><\/div><\/div><div class=\"fusion-text fusion-text-7 fusion-text-no-margin\" style=\"--awb-font-size:30px;--awb-line-height:var(--awb-typography1-line-height);--awb-letter-spacing:var(--awb-typography1-letter-spacing);--awb-text-transform:var(--awb-typography1-text-transform);--awb-margin-bottom:0px;--awb-text-font-family:&quot;Nunito&quot;;--awb-text-font-style:normal;--awb-text-font-weight:500;\"><p>Les obligations du professionnel en termes de publicit\u00e9<\/p>\n<\/div><div class=\"fusion-text fusion-text-8\" style=\"--awb-content-alignment:justify;--awb-font-size:20px;--awb-line-height:var(--awb-typography2-line-height);--awb-letter-spacing:var(--awb-typography2-letter-spacing);--awb-text-transform:var(--awb-typography2-text-transform);--awb-text-font-family:&quot;Nunito&quot;;--awb-text-font-style:normal;--awb-text-font-weight:400;\"><p>Toute publicit\u00e9 sur support \u00e9crit portant sur une op\u00e9ration de vente ou de prestation \u00e0 cr\u00e9dit doit mentionner :<\/p>\n<\/p>\n<ul>\n<li>le co\u00fbt total de l&rsquo;achat \u00e0 cr\u00e9dit;<\/li>\n<li>le montant de l&rsquo;achat comptant (sans cr\u00e9dit);<\/li>\n<li>le montant et le nombre de mensualit\u00e9s;<\/li>\n<li>le taux effectif global du cr\u00e9dit (s&rsquo;il est payant);<\/li>\n<li>la nature, l&rsquo;objet et la dur\u00e9e de l&rsquo;op\u00e9ration propos\u00e9e;<\/li>\n<li>l&rsquo;identit\u00e9 du pr\u00eateur.<\/li>\n<\/ul>\n<p>Si la publicit\u00e9 est diffus\u00e9e \u00e0 la radio ou \u00e0 la t\u00e9l\u00e9vision, les informations sont all\u00e9g\u00e9es mais le consommateur doit \u00eatre inform\u00e9 a minima du montant de l&rsquo;achat comptant et du montant et du nombre d&rsquo;\u00e9ch\u00e9ances.<\/p>\n<\/div><div class=\"fusion-text fusion-text-9 fusion-text-no-margin\" style=\"--awb-font-size:30px;--awb-line-height:var(--awb-typography1-line-height);--awb-letter-spacing:var(--awb-typography1-letter-spacing);--awb-text-transform:var(--awb-typography1-text-transform);--awb-margin-bottom:0px;--awb-text-font-family:&quot;Nunito&quot;;--awb-text-font-style:normal;--awb-text-font-weight:500;\"><p>Les obligations du professionnel lors de l&rsquo;achat \/ de la commande<\/p>\n<\/div><div class=\"fusion-text fusion-text-10\" style=\"--awb-content-alignment:justify;--awb-font-size:20px;--awb-line-height:var(--awb-typography2-line-height);--awb-letter-spacing:var(--awb-typography2-letter-spacing);--awb-text-transform:var(--awb-typography2-text-transform);--awb-text-font-family:&quot;Nunito&quot;;--awb-text-font-style:normal;--awb-text-font-weight:400;\"><ul>\n<li>Le contrat principal de vente ou de prestation doit obligatoirement indiquer que l&rsquo;op\u00e9ration est r\u00e9alis\u00e9e \u00e0 cr\u00e9dit : <b>il est interdit de s&rsquo;engager \u00e0 payer comptant si le pr\u00eat est finalement refus\u00e9<\/b>;<\/li>\n<li>Une offre pr\u00e9alable de cr\u00e9dit doit obligatoirement \u00eatre remise, par \u00e9crit, pour tout pr\u00eat d&rsquo;une dur\u00e9e sup\u00e9rieure \u00e0 3 mois et d&rsquo;un montant inf\u00e9rieur \u00e0 2,5 millions de F CFP; cette offre mentionne notamment obligatoirement le taux global du cr\u00e9dit, l&rsquo;ensemble des frais et sa dur\u00e9e;<\/li>\n<li>le vendeur n&rsquo;est pas tenu de livrer le bien ou de r\u00e9aliser la prestation tant que le pr\u00eat n&rsquo;a pas \u00e9t\u00e9 accept\u00e9 ou que le d\u00e9lai de r\u00e9tractation n&rsquo;est pas expir\u00e9 : <b>toute vente ou prestation faite avant cette date est aux risques et p\u00e9rils du vendeur\/prestataire qui en supportera toutes les cons\u00e9quences financi\u00e8res;<\/b><\/li>\n<li>aucun paiement ne peut \u00eatre fait, ni au vendeur\/prestataire, ni au pr\u00eateur, avant l&rsquo;expiration du d\u00e9lai de r\u00e9tractation.<\/li>\n<\/ul>\n<\/div><div class=\"fusion-text fusion-text-11 fusion-text-no-margin\" style=\"--awb-font-size:30px;--awb-line-height:var(--awb-typography1-line-height);--awb-letter-spacing:var(--awb-typography1-letter-spacing);--awb-text-transform:var(--awb-typography1-text-transform);--awb-margin-bottom:0px;--awb-text-font-family:&quot;Nunito&quot;;--awb-text-font-style:normal;--awb-text-font-weight:500;\"><p>R\u00e9tractation<\/p>\n<\/div><div class=\"fusion-text fusion-text-12\" style=\"--awb-content-alignment:justify;--awb-font-size:20px;--awb-line-height:var(--awb-typography2-line-height);--awb-letter-spacing:var(--awb-typography2-letter-spacing);--awb-text-transform:var(--awb-typography2-text-transform);--awb-text-font-family:&quot;Nunito&quot;;--awb-text-font-style:normal;--awb-text-font-weight:400;\"><div>\n<p>Pour tout cr\u00e9dit d&rsquo;une dur\u00e9e sup\u00e9rieure \u00e0 3 mois et d&rsquo;un montant inf\u00e9rieur \u00e0 2,5 millions de F CFP; l&rsquo;acheteur a au moins, 7 jours pour se r\u00e9tracter de son cr\u00e9dit, en utilisant le formulaire de l&rsquo;offre pr\u00e9alable au cr\u00e9dit :<\/p>\n<\/p>\n<ul>\n<li>dans ce cas, la prestation de service ou la vente associ\u00e9es \u00e0 ce cr\u00e9dit sont automatiquement annul\u00e9es;<\/li>\n<li>3 jours minimum apr\u00e8s l&rsquo;achat \u00e0 cr\u00e9dit, l&rsquo;acheteur peut, par une demande \u00e9crite, claire, dat\u00e9e et sign\u00e9e de sa main, renoncer \u00e0 la poursuite de son d\u00e9lai de r\u00e9tractation pour \u00eatre livr\u00e9 plus t\u00f4t.<\/li>\n<\/ul>\n<\/div>\n<\/div><div class=\"fusion-text fusion-text-13 fusion-text-no-margin\" style=\"--awb-font-size:30px;--awb-line-height:var(--awb-typography1-line-height);--awb-letter-spacing:var(--awb-typography1-letter-spacing);--awb-text-transform:var(--awb-typography1-text-transform);--awb-margin-bottom:0px;--awb-text-font-family:&quot;Nunito&quot;;--awb-text-font-style:normal;--awb-text-font-weight:500;\"><p>Bon \u00e0 savoir<\/p>\n<\/div><div class=\"fusion-text fusion-text-14\" style=\"--awb-content-alignment:justify;--awb-font-size:20px;--awb-line-height:var(--awb-typography2-line-height);--awb-letter-spacing:var(--awb-typography2-letter-spacing);--awb-text-transform:var(--awb-typography2-text-transform);--awb-text-font-family:&quot;Nunito&quot;;--awb-text-font-style:normal;--awb-text-font-weight:400;\"><div>\n<p><b><u>Le Taux effectif global (TEG)<\/u><\/b> : il s&rsquo;agit d&rsquo;un taux calcul\u00e9 en ajoutant, au taux d&rsquo;int\u00e9r\u00eat du pr\u00eat, les frais, taxes, commissions et r\u00e9mun\u00e9rations de toute nature, directs ou indirects, connus au moment de la conclusion du cr\u00e9dit et qui constituent une condition pour obtenir le pr\u00eat aux conditions annonc\u00e9es (ex : on int\u00e8gre dans le TEG les frais d&rsquo;assurance si elle est obligatoire pour obtenir le pr\u00eat).<\/p>\n<p>En tout \u00e9tat de cause, il est interdit de vendre \u00e0 un taux sup\u00e9rieur aux taux d&rsquo;usure, d\u00e9fini trimestriellement, en fonction de la nature du cr\u00e9dit, par la banque de France.<\/p>\n<p>L&rsquo;obligation d&rsquo;indiquer le TEG porte \u00e9galement sur tout \u00e9crit constatant la vente\/prestation \u00e0 cr\u00e9dit, pour toutes vente\/prestation \u00e0 cr\u00e9dit d&rsquo;un montant inf\u00e9rieur \u00e0 8.950.000 F CFP.<\/p>\n<ul>\n<\/ul>\n<\/div>\n<\/div><div class=\"fusion-builder-row fusion-builder-row-inner fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-1 fusion_builder_column_inner_1_1 1_1 fusion-flex-column fusion-flex-align-self-center fusion-column-inner-bg-wrapper\" style=\"--awb-padding-top:22.9812px;--awb-padding-right:35px;--awb-padding-bottom:13.95px;--awb-padding-left:35px;--awb-overflow:hidden;--awb-inner-bg-color:var(--awb-custom15);--awb-inner-bg-color-hover:var(--awb-custom15);--awb-inner-bg-image:linear-gradient(180deg, var(--awb-color3) 38%,var(--awb-custom_color_1) 72%);--awb-inner-bg-size:cover;--awb-border-radius:15px 15px 15px 15px;--awb-inner-bg-border-radius:15px 15px 15px 15px;--awb-inner-bg-overflow:hidden;--awb-width-large:100%;--awb-margin-top-large:10.9875px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><span class=\"fusion-column-inner-bg hover-type-none\"><a class=\"fusion-column-anchor\" href=\"https:\/\/www.ieom.fr\/polynesie-francaise\" rel=\"noopener noreferrer\" target=\"_blank\"><span class=\"fusion-column-inner-bg-image\"><\/span><\/a><\/span><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-row fusion-flex-align-items-stretch fusion-content-nowrap\"><i class=\"fb-icon-element-2 fb-icon-element fontawesome-icon fa-info-circle fas circle-no fusion-text-flow\" style=\"--awb-iconcolor:var(--awb-color1);--awb-iconcolor-hover:var(--awb-color1);--awb-font-size:32px;--awb-margin-right:16px;\"><\/i><div class=\"fusion-text fusion-text-15\" style=\"--awb-font-size:22px;--awb-line-height:var(--awb-typography1-line-height);--awb-letter-spacing:var(--awb-typography1-letter-spacing);--awb-text-transform:var(--awb-typography1-text-transform);--awb-text-color:var(--awb-color1);--awb-margin-right:50px;--awb-margin-left:20px;--awb-text-font-family:var(--awb-typography1-font-family);--awb-text-font-weight:var(--awb-typography1-font-weight);--awb-text-font-style:var(--awb-typography1-font-style);\"><p>Conseil<\/p>\n<\/div><div class=\"fusion-text fusion-text-16\" style=\"--awb-content-alignment:justify;--awb-font-size:20px;--awb-line-height:var(--awb-typography2-line-height);--awb-letter-spacing:var(--awb-typography2-letter-spacing);--awb-text-transform:var(--awb-typography2-text-transform);--awb-text-color:var(--awb-color1);--awb-margin-left:20px;--awb-text-font-family:&quot;Nunito&quot;;--awb-text-font-style:normal;--awb-text-font-weight:400;\"><p>Une partie des \u00e9l\u00e9ments relatifs \u00e0 la r\u00e9glementation des cr\u00e9dits \u00e0 la consommation rel\u00e8ve de l&rsquo;Institut d&rsquo;\u00c9mission d&rsquo;Outre-Mer (IEOM).<\/p>\n<p>Pour plus d&rsquo;informations, nous vous invitons \u00e0 contacter l&rsquo;IEOM en cliquant ici.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-4 fusion_builder_column_1_4 1_4 fusion-flex-column fusion-no-large-visibility\" style=\"--awb-padding-top:26px;--awb-padding-right:24px;--awb-padding-bottom:61px;--awb-padding-left:19px;--awb-overflow:hidden;--awb-bg-color:var(--awb-custom15);--awb-bg-color-hover:var(--awb-custom15);--awb-bg-size:cover;--awb-border-radius:15px 15px 15px 15px;--awb-width-large:25%;--awb-margin-top-large:0px;--awb-spacing-right-large:8.448%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:0%;--awb-width-medium:100%;--awb-order-medium:2;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:2;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-17\"><p style=\"font-size: 25px;font-family: Nunito;font-weight: 600\" data-fusion-font=\"true\" data-fusion-google-font=\"Nunito\" data-fusion-google-variant=\"600\">Consommateurs<\/p>\n<\/div><nav class=\"awb-menu awb-menu_column awb-menu_em-click mobile-mode-collapse-to-button awb-menu_icons-left awb-menu_dc-yes mobile-trigger-fullwidth-off awb-menu_mobile-toggle awb-menu_indent-left close-on-outer-click-yes mobile-size-full-absolute loading mega-menu-loading awb-menu_desktop awb-menu_arrows-sub awb-menu_v-stacked awb-submenu_cm_accordion\" style=\"--awb-font-size:15px;--awb-min-height:20px;--awb-bg:var(--awb-custom15);--awb-border-radius-top-left:15px;--awb-border-radius-top-right:15px;--awb-border-radius-bottom-right:15px;--awb-border-radius-bottom-left:15px;--awb-gap:15px;--awb-items-padding-top:2px;--awb-items-padding-right:5px;--awb-items-padding-bottom:2px;--awb-items-padding-left:5px;--awb-border-color:var(--awb-color3);--awb-border-top:1px;--awb-border-right:1px;--awb-border-bottom:1px;--awb-border-left:1px;--awb-color:var(--awb-color3);--awb-active-color:var(--awb-color3);--awb-active-bg:var(--awb-custom15);--awb-active-border-top:1px;--awb-active-border-right:1px;--awb-active-border-bottom:1px;--awb-active-border-left:1px;--awb-active-border-color:var(--awb-color3);--awb-submenu-bg:rgba(238,246,222,0);--awb-submenu-sep-color:var(--awb-custom15);--awb-submenu-active-bg:rgba(238,246,222,0);--awb-submenu-active-color:var(--awb-color3);--awb-arrows-size-height:2px;--awb-arrows-size-width:2px;--awb-main-justify-content:flex-start;--awb-sub-justify-content:flex-start;--awb-mobile-bg:var(--awb-custom15);--awb-mobile-active-bg:var(--awb-custom15);--awb-mobile-trigger-color:var(--awb-color2);--awb-mobile-trigger-background-color:var(--awb-custom15);--awb-mobile-justify:flex-start;--awb-mobile-caret-left:auto;--awb-mobile-caret-right:0;--awb-fusion-font-family-typography:&quot;Nunito&quot;;--awb-fusion-font-style-typography:normal;--awb-fusion-font-weight-typography:700;--awb-fusion-font-family-submenu-typography:&quot;Nunito&quot;;--awb-fusion-font-style-submenu-typography:normal;--awb-fusion-font-weight-submenu-typography:400;--awb-fusion-font-family-mobile-typography:inherit;--awb-fusion-font-style-mobile-typography:normal;--awb-fusion-font-weight-mobile-typography:400;\" aria-label=\"Menu navigation pages consommateurs\" data-breakpoint=\"0\" data-count=\"1\" data-transition-type=\"fade\" data-transition-time=\"300\"><ul id=\"menu-menu-navigation-pages-consommateurs-1\" class=\"fusion-menu awb-menu__main-ul awb-menu__main-ul_column\"><li   class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-1955 awb-menu__li awb-menu__main-li awb-menu__main-li_regular awb-menu__main-li_with-sub-arrow awb-menu__main-li_with-arrow\"  data-item-id=\"1955\"><span class=\"awb-menu__main-background-default awb-menu__main-background-default_fade\"><\/span><span class=\"awb-menu__main-background-active awb-menu__main-background-active_fade\"><\/span><a  href=\"https:\/\/www.service-public.pf\/dgae\/consommateurs\/assurance\/\" class=\"awb-menu__main-a awb-menu__main-a_regular\"><span class=\"menu-text\">Assurance<\/span><\/a><button type=\"button\" aria-label=\"Open submenu of Assurance\" aria-expanded=\"false\" class=\"awb-menu__open-nav-submenu_mobile awb-menu__open-nav-submenu_click awb-menu__open-nav-submenu_main\"><\/button><span class=\"awb-menu__sub-arrow\"><\/span><ul class=\"awb-menu__sub-ul awb-menu__sub-ul_main\"><li   class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1956 awb-menu__li awb-menu__sub-li\" ><a  href=\"https:\/\/www.service-public.pf\/dgae\/consommateurs\/assurance\/assurance-scolaire\/\" class=\"awb-menu__sub-a\"><span>Assurance scolaire<\/span><\/a><\/li><li   class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1957 awb-menu__li awb-menu__sub-li\" ><a  href=\"https:\/\/www.service-public.pf\/dgae\/consommateurs\/assurance\/resilier-son-assurance\/\" class=\"awb-menu__sub-a\"><span>R\u00e9silier son assurance<\/span><\/a><\/li><\/ul><\/li><li   class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-1954 awb-menu__li awb-menu__main-li awb-menu__main-li_regular awb-menu__main-li_with-sub-arrow awb-menu__main-li_with-arrow\"  data-item-id=\"1954\"><span class=\"awb-menu__main-background-default awb-menu__main-background-default_fade\"><\/span><span class=\"awb-menu__main-background-active awb-menu__main-background-active_fade\"><\/span><a  href=\"https:\/\/www.service-public.pf\/dgae\/consommateurs\/vehicules\/\" class=\"awb-menu__main-a awb-menu__main-a_regular\"><span class=\"menu-text\">V\u00e9hicules<\/span><\/a><button type=\"button\" aria-label=\"Open submenu of V\u00e9hicules\" aria-expanded=\"false\" class=\"awb-menu__open-nav-submenu_mobile awb-menu__open-nav-submenu_click awb-menu__open-nav-submenu_main\"><\/button><span class=\"awb-menu__sub-arrow\"><\/span><ul class=\"awb-menu__sub-ul awb-menu__sub-ul_main\"><li   class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1962 awb-menu__li awb-menu__sub-li\" ><a  href=\"https:\/\/www.service-public.pf\/dgae\/consommateurs\/vehicules\/acheter-un-vehicule-neuf\/\" class=\"awb-menu__sub-a\"><span>Acheter un v\u00e9hicule neuf<\/span><\/a><\/li><li   class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1963 awb-menu__li awb-menu__sub-li\" ><a  href=\"https:\/\/www.service-public.pf\/dgae\/consommateurs\/vehicules\/acheter-un-vehicule-doccasion\/\" class=\"awb-menu__sub-a\"><span>Acheter un v\u00e9hicule d\u2019occasion<\/span><\/a><\/li><\/ul><\/li><li   class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-1958 awb-menu__li awb-menu__main-li awb-menu__main-li_regular awb-menu__main-li_with-sub-arrow awb-menu__main-li_with-arrow\"  data-item-id=\"1958\"><span class=\"awb-menu__main-background-default awb-menu__main-background-default_fade\"><\/span><span class=\"awb-menu__main-background-active awb-menu__main-background-active_fade\"><\/span><a  href=\"https:\/\/www.service-public.pf\/dgae\/consommateurs\/garanties-legales-et-commerciales\/\" class=\"awb-menu__main-a awb-menu__main-a_regular\"><span class=\"menu-text\">Garanties l\u00e9gales et commerciales<\/span><\/a><button type=\"button\" aria-label=\"Open submenu of Garanties l\u00e9gales et commerciales\" aria-expanded=\"false\" class=\"awb-menu__open-nav-submenu_mobile awb-menu__open-nav-submenu_click awb-menu__open-nav-submenu_main\"><\/button><span class=\"awb-menu__sub-arrow\"><\/span><ul class=\"awb-menu__sub-ul awb-menu__sub-ul_main\"><li   class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1961 awb-menu__li awb-menu__sub-li\" ><a  href=\"https:\/\/www.service-public.pf\/dgae\/consommateurs\/garanties-legales-et-commerciales\/garantie-legale-de-conformite\/\" class=\"awb-menu__sub-a\"><span>Garantie l\u00e9gale de conformit\u00e9<\/span><\/a><\/li><li   class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1959 awb-menu__li awb-menu__sub-li\" ><a  href=\"https:\/\/www.service-public.pf\/dgae\/consommateurs\/garanties-legales-et-commerciales\/garantie-commerciale\/\" class=\"awb-menu__sub-a\"><span>Garantie commerciale<\/span><\/a><\/li><li   class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1960 awb-menu__li awb-menu__sub-li\" ><a  href=\"https:\/\/www.service-public.pf\/dgae\/consommateurs\/garanties-legales-et-commerciales\/garantie-des-vices-caches\/\" class=\"awb-menu__sub-a\"><span>Garantie des vices cach\u00e9s<\/span><\/a><\/li><\/ul><\/li><li   class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-1964 awb-menu__li awb-menu__main-li awb-menu__main-li_regular awb-menu__main-li_with-sub-arrow awb-menu__main-li_with-arrow\"  data-item-id=\"1964\"><span class=\"awb-menu__main-background-default awb-menu__main-background-default_fade\"><\/span><span class=\"awb-menu__main-background-active awb-menu__main-background-active_fade\"><\/span><a  href=\"https:\/\/www.service-public.pf\/dgae\/consommateurs\/achat-dun-produit-ou-service\/\" class=\"awb-menu__main-a awb-menu__main-a_regular\"><span class=\"menu-text\">Achat d\u2019un produit ou service<\/span><\/a><button type=\"button\" aria-label=\"Open submenu of Achat d\u2019un produit ou service\" aria-expanded=\"false\" class=\"awb-menu__open-nav-submenu_mobile awb-menu__open-nav-submenu_click awb-menu__open-nav-submenu_main\"><\/button><span class=\"awb-menu__sub-arrow\"><\/span><ul class=\"awb-menu__sub-ul awb-menu__sub-ul_main\"><li   class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1965 awb-menu__li awb-menu__sub-li\" ><a  href=\"https:\/\/www.service-public.pf\/dgae\/consommateurs\/achat-dun-produit-ou-service\/acheter-sur-internet\/\" class=\"awb-menu__sub-a\"><span>Acheter sur internet<\/span><\/a><\/li><li   class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1966 awb-menu__li awb-menu__sub-li\" ><a  href=\"https:\/\/www.service-public.pf\/dgae\/consommateurs\/achat-dun-produit-ou-service\/arrhes-acompte-et-avoir\/\" class=\"awb-menu__sub-a\"><span>Arrhes, acompte et avoir<\/span><\/a><\/li><li   class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1967 awb-menu__li awb-menu__sub-li\" ><a  href=\"https:\/\/www.service-public.pf\/dgae\/consommateurs\/achat-dun-produit-ou-service\/contrat-de-service-de-communication\/\" class=\"awb-menu__sub-a\"><span>Contrat de service de communication<\/span><\/a><\/li><li   class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1968 awb-menu__li awb-menu__sub-li\" ><a  href=\"https:\/\/www.service-public.pf\/dgae\/consommateurs\/achat-dun-produit-ou-service\/credit-a-la-consommation-en-polynesie-francaise-hors-credit-immobilier\/\" class=\"awb-menu__sub-a\"><span>Cr\u00e9dit \u00e0 la consommation en Polyn\u00e9sie Fran\u00e7aise (hors cr\u00e9dit immobilier)<\/span><\/a><\/li><li   class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1969 awb-menu__li awb-menu__sub-li\" ><a  href=\"https:\/\/www.service-public.pf\/dgae\/consommateurs\/achat-dun-produit-ou-service\/delais-de-reflexion-et-de-retractation\/\" class=\"awb-menu__sub-a\"><span>D\u00e9lais de r\u00e9flexion et de r\u00e9tractation<\/span><\/a><\/li><li   class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1970 awb-menu__li awb-menu__sub-li\" ><a  href=\"https:\/\/www.service-public.pf\/dgae\/consommateurs\/achat-dun-produit-ou-service\/livraison\/\" class=\"awb-menu__sub-a\"><span>Livraison<\/span><\/a><\/li><\/ul><\/li><li   class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-1971 awb-menu__li awb-menu__main-li awb-menu__main-li_regular awb-menu__main-li_with-sub-arrow awb-menu__main-li_with-arrow\"  data-item-id=\"1971\"><span class=\"awb-menu__main-background-default awb-menu__main-background-default_fade\"><\/span><span class=\"awb-menu__main-background-active awb-menu__main-background-active_fade\"><\/span><a  href=\"https:\/\/www.service-public.pf\/dgae\/consommateurs\/prix-publicite-promotion-et-affichage-des-prix\/\" class=\"awb-menu__main-a awb-menu__main-a_regular\"><span class=\"menu-text\">Prix, publicit\u00e9, promotion et affichage des prix<\/span><\/a><button type=\"button\" aria-label=\"Open submenu of Prix, publicit\u00e9, promotion et affichage des prix\" aria-expanded=\"false\" class=\"awb-menu__open-nav-submenu_mobile awb-menu__open-nav-submenu_click awb-menu__open-nav-submenu_main\"><\/button><span class=\"awb-menu__sub-arrow\"><\/span><ul class=\"awb-menu__sub-ul awb-menu__sub-ul_main\"><li   class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1972 awb-menu__li awb-menu__sub-li\" ><a  href=\"https:\/\/www.service-public.pf\/dgae\/consommateurs\/prix-publicite-promotion-et-affichage-des-prix\/affichage-des-prix\/\" class=\"awb-menu__sub-a\"><span>Affichage des prix<\/span><\/a><\/li><li   class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1973 awb-menu__li awb-menu__sub-li\" ><a  href=\"https:\/\/www.service-public.pf\/dgae\/consommateurs\/prix-publicite-promotion-et-affichage-des-prix\/cadeaux-et-primes\/\" class=\"awb-menu__sub-a\"><span>Cadeaux et primes<\/span><\/a><\/li><li   class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1974 awb-menu__li awb-menu__sub-li\" ><a  href=\"https:\/\/www.service-public.pf\/dgae\/consommateurs\/prix-publicite-promotion-et-affichage-des-prix\/ppn-pgc-les-produits-reglementes\/\" class=\"awb-menu__sub-a\"><span>PPN, PGC : Les produits r\u00e9glement\u00e9s<\/span><\/a><\/li><li   class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1975 awb-menu__li awb-menu__sub-li\" ><a  href=\"https:\/\/www.service-public.pf\/dgae\/consommateurs\/prix-publicite-promotion-et-affichage-des-prix\/publicite-mensongere-ou-trompeuse\/\" class=\"awb-menu__sub-a\"><span>Publicit\u00e9 mensong\u00e8re ou trompeuse<\/span><\/a><\/li><li   class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-2636 awb-menu__li awb-menu__sub-li\" ><a  href=\"https:\/\/www.service-public.pf\/dgae\/consommateurs\/prix-publicite-promotion-et-affichage-des-prix\/reduction-de-prix\/\" class=\"awb-menu__sub-a\"><span>R\u00e9duction de prix<\/span><\/a><\/li><\/ul><\/li><li   class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-1976 awb-menu__li awb-menu__main-li awb-menu__main-li_regular awb-menu__main-li_with-sub-arrow awb-menu__main-li_with-arrow\"  data-item-id=\"1976\"><span class=\"awb-menu__main-background-default awb-menu__main-background-default_fade\"><\/span><span class=\"awb-menu__main-background-active awb-menu__main-background-active_fade\"><\/span><a  href=\"https:\/\/www.service-public.pf\/dgae\/consommateurs\/infos-diverses\/\" class=\"awb-menu__main-a awb-menu__main-a_regular\"><span class=\"menu-text\">Infos diverses<\/span><\/a><button type=\"button\" aria-label=\"Open submenu of Infos diverses\" aria-expanded=\"false\" class=\"awb-menu__open-nav-submenu_mobile awb-menu__open-nav-submenu_click awb-menu__open-nav-submenu_main\"><\/button><span class=\"awb-menu__sub-arrow\"><\/span><ul class=\"awb-menu__sub-ul awb-menu__sub-ul_main\"><li   class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1977 awb-menu__li awb-menu__sub-li\" ><a  href=\"https:\/\/www.service-public.pf\/dgae\/consommateurs\/infos-diverses\/artifices-de-divertissement-securite-et-conformite\/\" class=\"awb-menu__sub-a\"><span>Artifices de divertissement : s\u00e9curit\u00e9 et conformit\u00e9<\/span><\/a><\/li><li   class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1978 awb-menu__li awb-menu__sub-li\" ><a  href=\"https:\/\/www.service-public.pf\/dgae\/consommateurs\/infos-diverses\/la-revision-du-loyer\/\" class=\"awb-menu__sub-a\"><span>La r\u00e9vision du loyer<\/span><\/a><\/li><li   class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1979 awb-menu__li awb-menu__sub-li\" ><a  href=\"https:\/\/www.service-public.pf\/dgae\/consommateurs\/infos-diverses\/rappel-de-produits\/\" class=\"awb-menu__sub-a\"><span>Rappel de produits<\/span><\/a><\/li><li   class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1980 awb-menu__li awb-menu__sub-li\" ><a  href=\"https:\/\/www.service-public.pf\/dgae\/consommateurs\/infos-diverses\/resoudre-un-litige\/\" class=\"awb-menu__sub-a\"><span>R\u00e9soudre un litige<\/span><\/a><\/li><li   class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1982 awb-menu__li awb-menu__sub-li\" ><a  href=\"https:\/\/www.service-public.pf\/dgae\/consommateurs\/infos-diverses\/suivi-de-laccord-de-moderation-sur-les-tarifs-bancaires-aux-particuliers-en-polynesie-francaise\/\" class=\"awb-menu__sub-a\"><span>Suivi de l\u2019accord de mod\u00e9ration sur les tarifs bancaires aux particuliers en Polyn\u00e9sie fran\u00e7aise<\/span><\/a><\/li><li   class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1983 awb-menu__li awb-menu__sub-li\" ><a  href=\"https:\/\/www.service-public.pf\/dgae\/consommateurs\/infos-diverses\/ventes-en-reseau-mlm-a-la-boule-de-neige\/\" class=\"awb-menu__sub-a\"><span>Ventes en r\u00e9seau, MLM, \u00e0 la boule de neige\u2026<\/span><\/a><\/li><\/ul><\/li><li   class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1984 awb-menu__li awb-menu__main-li awb-menu__main-li_regular\"  data-item-id=\"1984\"><span class=\"awb-menu__main-background-default awb-menu__main-background-default_fade\"><\/span><span class=\"awb-menu__main-background-active awb-menu__main-background-active_fade\"><\/span><a  href=\"https:\/\/www.service-public.pf\/dgae\/consommateurs\/fiches-dinfo-pour-les-consommateurs\/\" class=\"awb-menu__main-a awb-menu__main-a_regular\"><span class=\"menu-text\">Fiches d\u2019info pour les consommateurs<\/span><\/a><\/li><\/ul><\/nav><\/div><\/div>\n<\/div><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":341,"featured_media":0,"parent":1672,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"100-width.php","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","footnotes":""},"class_list":["post-1692","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.service-public.pf\/dgae\/wp-json\/wp\/v2\/pages\/1692","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.service-public.pf\/dgae\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.service-public.pf\/dgae\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.service-public.pf\/dgae\/wp-json\/wp\/v2\/users\/341"}],"replies":[{"embeddable":true,"href":"https:\/\/www.service-public.pf\/dgae\/wp-json\/wp\/v2\/comments?post=1692"}],"version-history":[{"count":0,"href":"https:\/\/www.service-public.pf\/dgae\/wp-json\/wp\/v2\/pages\/1692\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/www.service-public.pf\/dgae\/wp-json\/wp\/v2\/pages\/1672"}],"wp:attachment":[{"href":"https:\/\/www.service-public.pf\/dgae\/wp-json\/wp\/v2\/media?parent=1692"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}