anx_I__table__4

Where applicable The different borrowing rates that apply to the credit agreement | [% — fixed, or — variable (with the index or reference rate applicable to the initial borrowing rate), — periods, — conditions governing the application of each borrowing rate, — periods, conditions and procedures for changing each borrowing rate] Representative example illustrating the annual percentage rate of charge (APR) and the total amount payable by the consumer | [% A representative example mentioning all the assumptions used for calculating the annual percentage rate of charge to be set out here] Is it compulsory, in order to obtain the credit or to obtain it on the terms and conditions marketed, to take out — an insurance policy securing the credit, or — another ancillary service contract? If the costs of these services are not known by the creditor, they are not included in the APR. | Yes/no [if yes, specify the kind of insurance] Yes/no [if yes, specify the kind of ancillary service] Related costs Where applicable Charges for maintaining one or more accounts which are required for recording both payment transactions and drawdowns | Where applicable Amount of costs for using a specific means of payment (e.g. a credit card) | Where applicable Any other costs deriving from the credit agreement | Where applicable Conditions under which the abovementioned costs related to the credit agreement can be changed | Where applicable Obligation to pay notarial fees |

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Source: EUR-Lex CELLAR · retrieved 2026-07-30 · Text as adopted (Official Journal); later amendments are not incorporated in this text.