Article 11 › 2

For credit agreements referred to in Article 2(6) or (7), the pre-contractual information referred to in Article 10(1) shall, by way of derogation from Article 10(3), specify all of the following elements, in a prominent way in the first part of the European Consumer Credit Information form on one page: (a) the identity of the creditor as well as, where applicable, of the credit intermediary involved; (b) the total amount of credit; (c) the duration of the credit agreement; (d) the borrowing rate, or all borrowing rates if different borrowing rates apply in different circumstances; (e) the annual percentage rate of charge and the total amount payable by the consumer; (f) in the case of a credit in the form of deferred payment for specific goods or services and in the case of linked credit agreements, the specific goods or services and their cash price; (g) the costs in the case of late payments, i.e. the interest rate applicable in the case of late payments and the arrangements for its adjustment, and, where applicable, any charges payable for default; (h) the amount, number and frequency of payments to be made by the consumer and, where appropriate, the order in which payments will be allocated to different outstanding balances charged at different borrowing rates for the purposes of reimbursement; (i) warning regarding the consequences of missing or late payments; (j) the existence or absence of a right of withdrawal; (k) the existence of a right of early repayment, and, where applicable, information concerning the creditor’s right to compensation; (l) the geographical address, telephone number and email address of the creditor as well as, where applicable, the geographical address, telephone number and email address of the credit intermediary involved.

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Source: EUR-Lex CELLAR · retrieved 2026-07-30