The borrowing rate or, if applicable, different borrowing rates which apply to the credit agreement

[ %

Annual Percentage Rate of Charge (APR)

This is the total cost expressed as an annual percentage of the total amount of credit.

The APR is there to help you compare different offers.

[ % A representative example mentioning all the assumptions used for calculating the rate 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

Yes/no [if yes, specify the kind of insurance]

Yes/no [if yes, specify the kind of ancillary service]

If the costs of these services are not known by the creditor they are not included in the APR.

If applicable

Maintaining one or more accounts is required for recording both payment transactions and drawdowns

If applicable

Amount of costs for using a specific means of payment (e.g. a credit card)

If applicable

Any other costs deriving from the credit agreement

If applicable

Conditions under which the abovementioned costs related to the credit agreement can be changed

If applicable

Obligation to pay notarial fees

Costs in the case of late payments

You will be charged [… (applicable interest rate and arrangements for its adjustment and, where applicable, default charges)] for late payments.’

Missing payments could have severe consequences for you (e.g. forced sale) and make obtaining credit more difficult.