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Consumer Credit Agreement

Consumer Credit Agreement Template for Netherlands

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Key Requirements PROMPT example:

Consumer Credit Agreement

"I need a Consumer Credit Agreement under Dutch law for a €50,000 personal loan with a 5-year fixed term, including optional payment protection insurance and early repayment provisions."

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Document background
A Consumer Credit Agreement is essential for financial institutions and credit providers operating in the Netherlands to legally provide credit to consumers. This document is used when extending various forms of consumer credit, including personal loans, revolving credit facilities, and point-of-sale financing. The agreement must comply with strict regulatory requirements under Dutch law, particularly the Financial Supervision Act (Wft) and the Dutch Civil Code, as well as EU directives. It contains mandatory information about credit terms, costs, consumer rights, and obligations, presented in a clear and understandable format as required by Dutch law. The document includes standardized European Consumer Credit Information and is subject to supervision by the Dutch Authority for Financial Markets (AFM).
Suggested Sections

1. Parties: Identification of the credit provider and the consumer borrower with full legal names and addresses

2. Background: Brief context of the credit agreement and its purpose

3. Definitions: Definitions of key terms used throughout the agreement, including technical financial terms

4. Credit Facility Details: Core terms including credit amount, duration, interest rate, APR, and total amount payable

5. Drawdown and Disbursement: Terms and conditions for accessing the credit facility

6. Repayment Terms: Payment schedule, method of payment, and allocation of payments

7. Interest and Costs: Detailed breakdown of interest calculation, fees, and other costs

8. Consumer Rights: Statutory rights including right of withdrawal (14 days), early repayment rights, and termination rights

9. Default and Consequences: Events of default, consequences, and default interest rates

10. Communications: Methods and requirements for formal communications between parties

11. Data Protection: Processing of personal data and privacy provisions in compliance with GDPR

12. Governing Law and Jurisdiction: Confirmation of Dutch law application and jurisdiction

Optional Sections

1. Credit Insurance: Terms of optional credit insurance if offered with the credit facility

2. Additional Services: Any bundled services or products offered with the credit agreement

3. Security: Any security or guarantees required, if applicable

4. Revolving Credit Terms: Specific terms for revolving credit facilities, if the agreement is for revolving credit

5. Direct Debit Authorization: Terms for automatic payment collection, if this payment method is chosen

6. Credit Intermediary Details: Information about any credit intermediary involved in arranging the credit

7. Complaints Procedure: Internal complaint handling process and reference to external dispute resolution bodies

Suggested Schedules

1. Standard European Consumer Credit Information: Mandatory pre-contractual information sheet as required by EU directive

2. Repayment Schedule: Detailed amortization table showing breakdown of payments

3. Interest Rate Calculation Method: Detailed explanation of interest calculation including examples

4. Fee Schedule: Complete list of all applicable fees and charges

5. Direct Debit Mandate: Standard bank mandate form for direct debit authorization if applicable

6. General Terms and Conditions: Standard terms and conditions of the credit provider

7. Privacy Notice: Detailed privacy policy and data processing information

Authors

Alex Denne

Head of Growth (Open Source Law) @ ºÚÁÏÊÓƵ | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

alex.den.21@genieai.co
Relevant legal definitions






































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Relevant Industries

Financial Services

Banking

Consumer Finance

Retail Banking

Consumer Lending

Financial Technology

Retail (point-of-sale financing)

Insurance (associated credit insurance)

Automotive Finance

Consumer Goods (store financing)

Relevant Teams

Legal

Compliance

Risk Management

Consumer Credit

Retail Banking

Product Development

Customer Service

Operations

Credit Administration

Regulatory Affairs

Documentation

Credit Risk

Consumer Protection

Relevant Roles

Credit Manager

Compliance Officer

Legal Counsel

Financial Services Manager

Consumer Credit Officer

Risk Manager

Product Manager - Consumer Credit

Retail Banking Manager

Consumer Protection Officer

Credit Risk Analyst

Financial Services Legal Advisor

Customer Service Manager

Credit Operations Manager

Regulatory Compliance Specialist

Consumer Finance Director

Industries








Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

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