(ii) at the time of the conclusion of the credit agreement, an independent interest charge, expressed in a single amount, is paid; (r) the consumer`s right to submit, on request and free of charge, a copy of the draft credit contract. This provision does not apply if, at the time of the application, the lender is not willing to enter into the credit contract with the consumer; and two. If, in the case of a credit contract linked to the meaning of Article 3, point n), national legislation already provides, at the time of the entry into force of this directive, that the means cannot be made available to the consumer before the expiry of a certain period, Member States may exceptionally foresee that the time limit referred to in paragraph 1 can be reduced to that specific period , at the express request of the consumer. The annual percentage interest rate taken by the creditor as the basis for establishing a relationship with you prior to the conclusion of the credit agreement (c); In the case of a credit contract of the type covered by Article 2, paragraph 3, Member States may decide that the annual percentage of the contribution is not mandatory; 2. In the event of a significant one-month overrun, the lender immediately informs the consumer, on paper or other sustainable support, (f) of credit contracts in which the credit is granted without interest and without other costs and credit contracts, the terms of which must be repaid within three months and whose costs are negligible; (b) to pay the creditor the principal and interest accrued from the date of payment of the loan until the date of repayment of the principal without undue delay and no later than thirty days schedule after the payment is sent to the creditor. Interest is calculated on the basis of the agreed rate. In the event of a withdrawal, the creditor is not entitled to any further compensation from the consumer, with the exception of the non-refundable expenses allowance that the creditor pays to a public administrative authority.

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