Section 2: Pre-contractual information for borrowers

For the application of the provisions of Article L. 312-12, the creditor or credit intermediary shall provide the borrower with information concerning:
1° The identity and address of the creditor and, if applicable, the identity and address of the credit intermediary concerned;
2° The type of credit;
> and 3° The total amount of credit and the conditions under which the funds will be made available;
4° The duration of the credit agreement;
> and 5° The amount, number and frequency of instalments to be paid by the borrower and, where applicable, the order in which the instalments will be allocated to the different balances due, fixed at different borrowing rates for repayment purposes;
6° The total amount owed by the borrower;
7° In the case of credit used to finance the acquisition of a specific good or service, the good or service and its cash price;
8° In the case of hire purchase, a description of the goods hired and the price to be paid in the event of purchase;
9° Any security required;
10° Except in the case of a lease with a purchase option, the borrowing rate, the conditions applicable to this rate and, where applicable, any index or reference rate relating to the initial borrowing rate, as well as the periods, conditions and procedures for adjusting the rate. If different borrowing rates apply depending on the circumstances, this information shall relate to all the applicable rates;
11° Except in the case of leasing with a purchase option, the annual percentage rate of charge, using a representative example mentioning all the assumptions used to calculate this rate. The creditor shall take into account the element or elements of the credit that the borrower has indicated he favours, where applicable, such as the duration of the credit agreement and the total amount of credit;
12° Where applicable, the obligation to take out an ancillary service linked to the credit agreement, in particular insurance, in order to obtain the credit itself or in application of the commercial terms and conditions;

13° All charges relating to the performance of the credit agreement, and the conditions under which these charges may be amended;
14° Any notary's fees payable by the borrower on conclusion of the credit agreement;
15° The compensation for late payment and, where applicable, the default charges that the creditor may require the borrower to pay in the event of default, as well as the procedures for adjusting and calculating such compensation and charges;
> and 16° A warning of the consequences of a default by the borrower;
17° The existence of the right of withdrawal;
and 18° The right to early repayment and, where applicable, the lender's right to compensation as well as the method of calculating this compensation pursuant to article L. 312-34;
19° The borrower's right to be given, on request and free of charge, a copy of the offer of a credit agreement if, at the time of the request, the creditor is prepared to conclude the credit agreement;
20° A statement that the creditor must, as part of the procedure for granting credit, consult the national register of personal credit repayment incidents;

21° The period during which the creditor is bound by the pre-contractual information.