2.

The standard information shall specify in a clear, concise and prominent way by means of a representative example: the borrowing rate, fixed or variable or both, together with particulars of any charges included in the total cost of the credit to the consumer; the total amount of credit; the annual percentage rate of charge; in the case of a credit agreement of the kind referred to in Article 2(3), Member States may decide that the annual percentage rate of charge need not be provided; if applicable, the duration of the credit agreement; in the case of a credit in the form of deferred payment for a specific good or service, the cash price and the amount of any advance payment; and if applicable, the total amount payable by the consumer and the amount of the instalments.

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Source: EUR-Lex CELLAR · retrieved 2026-07-31 · Text as consolidated on 2023-12-30; changes after this date are not shown.