Subsection 1: European standardised information sheet

The personalised information that the creditor or credit intermediary provides to the borrower in the form of the sheet referred to in Article L. 313-7, the model for which is appended to this code, covers: 1° The lender; 2° The credit intermediary, where applicable; 3° The main characteristics of the loan;> and 4° The interest rate and other charges; 5° The number and frequency of each instalment; 6° The amount…

All the information mentioned in article R. 313-4 is presented, on paper or on another durable medium, in the form of a single document, in accordance with the European standardised information sheet referred to in Article L. 313-7, a model of which is appended to this code.

Where the credit agreement allows for adjustments to the borrowing rate, this possibility and its possible effects on the amounts due and on the annual percentage rate of charge are mentioned in the European standardised information sheet referred to in Article L. 313-7. To this end, the borrower is provided with an additional annual percentage rate of charge illustrating the possible risks associated with a substantial increase in the borrowing…

The information required pursuant to articles R. 222-1 and R. 222-2 of this code and R. 341-16 of the Monetary and Financial Code which appear in the European Standardised Information Sheet are deemed to have been provided at the time of supply of this sheet. Any other additional information mentioned in the third paragraph of Article L. 313-7, which is provided to the borrower by the creditor or credit intermediary,…