lexiara

anx_III__table__3

DIRECTIVE 2008/48/EC OF THE EUROPEAN PARLIAMENT AND OF THE COUNCIL of 23 April 2008 on credit agreements for consumers and repealing Council Directive 87/102/EEC · European Union

The borrowing rate or, if applicable, different borrowing rates which apply to the credit agreement | [ % — fixed or, — variable (with the index or reference rate applicable to the initial borrowing rate)], If applicable | The annual percentage rate of charge (APR) (*1) This is the total cost of credit expressed as an annual percentage of the total amount of credit. The APR is there to help you compare different offers. | [ % A representative example mentioning all the assumptions used for calculating the rate to be set out here] If applicable | Costs If applicable The conditions under which those costs may be changed | [The costs applicable from the time the credit agreement is concluded] Costs in the case of late payments | ►C2 You will be charged […… (applicable interest rate and arrangements for its adjustment and, where applicable, default charges)] for late payments. ◄ (*1) Not applicable to European Consumer Credit Information for overdrafts in those Member States which decide on the basis of Article 6(2) of Directive 2008/48/EC that the APR need not be provided for overdrafts.

· All articles ·

Source: EUR-Lex CELLAR · retrieved 2026-07-31 · Text as consolidated on 2023-12-30; changes after this date are not shown.