Article 11 › 4

The pre-contractual information referred to in paragraph 1 shall specify all of the following elements, which shall be displayed after and noticeably separated from the elements listed in paragraph 2: (a) the type of credit; (b) where different borrowing rates apply in different circumstances, the conditions governing the application of each borrowing rate, any index or reference rate applicable to the initial borrowing rate, the charges applicable from the time the credit agreement is concluded, and, where applicable, the conditions under which those charges may be changed; (c) a representative example illustrating the annual percentage rate of charge and the total amount payable by the consumer, referring to all of the assumptions used in order to calculate that rate; (d) the conditions and procedure for terminating the credit agreement; (e) where applicable, information concerning the way in which the creditor’s compensation will be determined in the event of early repayment; (f) where applicable, an indication that the consumer may be requested to repay the amount of credit in full at any time; (g) a reference to the consumer’s right to be informed immediately and free of charge, pursuant to Article 19(6), of the result of a database consultation carried out for the purposes of assessing his or her creditworthiness; (h) where applicable, an indication that the price was personalised on the basis of automated processing, including profiling; (i) where applicable, the period of time during which the creditor is bound by the pre-contractual information provided in accordance with this Article; (j) a reference to the possibility for the consumer of having recourse to an out-of-court complaint and redress mechanism and the methods for having access to it; (k) a warning and explanation regarding the legal and financial consequences of non-compliance with the other commitments linked to the specific credit agreement; (l) a repayment schedule containing all payments and repayments over the duration of the credit agreement, including the payments and repayments for any ancillary services relating to the credit agreement which are sold simultaneously, whereby payments and repayments, in the event that different borrowing rates apply in different circumstances, are based on reasonable upward changes in the borrowing rate.

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