2.

The standard information shall specify in a clear, concise and prominent way: the identity of the creditor or, where applicable, the credit intermediary or appointed representative; where applicable, that the credit agreement will be secured by a mortgage or another comparable security commonly used in a Member State on residential immovable property or by a right related to residential immovable property; the borrowing rate, indicating whether this is fixed or variable or a combination of both, together with particulars of any charges included in the total cost of the credit to the consumer; the total amount of credit; the APRC which shall be included in the advertisement at least as prominently as any interest rate; where applicable, the duration of the credit agreement; where applicable, the amount of the instalments; where applicable, the total amount payable by the consumer; where applicable, the number of instalments; where applicable, a warning regarding the fact that possible fluctuations of the exchange rate could affect the amount payable by the consumer.

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Source: EUR-Lex (Cellar) · retrieved 2026-10-11 · Text as adopted (Official Journal); later amendments are not incorporated in this text.