Council Directive of 22 December 1986 for the approximation of the laws, regulations and administrative provisions of the Member States concerning consumer credit (87/102/EEC) (repealed)

EU Directive 1987/102 · Adopted 22 December 1986 · Extends to United Kingdom

Council Directive

of 22 December 1986

for the approximation of the laws, regulations and administrative provisions of the Member States concerning consumer credit

(87/102/EEC) (repealed)

F1. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Annotations to the whole text

Textual amendments

F1: Repealed by Directive 2008/48/EC Of the European Parliament and of the Council of 23 April 2008 on credit agreements for consumers and repealing Council Directive 87/102/EEC.

1Article 1 Repealed
1aArticle 1a Repealed
2Article 2 Repealed
3Article 3 Repealed
4Article 4 Repealed
5Article 5 Repealed
6Article 6 Repealed
7Article 7 Repealed
8Article 8 Repealed
9Article 9 Repealed
10Article 10 Repealed
11Article 11 Repealed
12Article 12 Repealed
13Article 13 Repealed
14Article 14 Repealed
15Article 15 Repealed
16Article 16 Repealed
17Article 17 Repealed
18Article 18 Repealed
Annex I: LIST OF TERMS REFERRED TO IN ARTICLE 4 (3) Repealed
1Credit agreements for financing the supply of particular goods or services: Repealed
2Credit agreements operated by credit cards: Repealed
3Credit agreements operated by running account which are not otherwise covered by the Directive: Repealed
4Other credit agreements covered by the Directive: Repealed
Annex IITHE BASIC EQUATION EXPRESSING THE EQUIVALENCE OF LOANS ON THE ONE HAND AND REPAYMENTS AND CHARGES ON THE OTHER Repealed
Annex III: EXAMPLES OF CALCULATION Repealed
CALCULATION OF THE ANNUAL PERCENTAGE RATE OF CHARGE ON A CALENDAR BASIS (1 YEAR = 365 DAYS (OR 366 DAYS FOR LEAP YEARS)) Repealed
First example Repealed
Second example Repealed
Third example Repealed
Fourth example Repealed
CALCULATION OF THE ANNUAL PERCENTAGE RATE OF CHARGE ON THE BASIS OF A STANDARD YEAR (1 YEAR = 365 DAYS OR 365,25 DAYS, 52 WEEKS, OR 12 EQUAL MONTHS) Repealed
First example Repealed
Second example Repealed
Third example Repealed
Fourth example Repealed

1F1

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

1aF1

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

2F1

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

3F1

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

4F1

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

5F1

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

6F1

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

7F1

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

8F1

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

9F1

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

10F1

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

11F1

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

12F1

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

13F1

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

14F1

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

15F1

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

16F1

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

17F1

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

18F1

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

1Credit agreements for financing the supply of particular goods or services:F1

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

2Credit agreements operated by credit cards:F1

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

3Credit agreements operated by running account which are not otherwise covered by the Directive:F1

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

4Other credit agreements covered by the Directive:F1

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Annex IITHE BASIC EQUATION EXPRESSING THE EQUIVALENCE OF LOANS ON THE ONE HAND AND REPAYMENTS AND CHARGES ON THE OTHERF1

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

First example

F1. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Second example

F1. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Third example

F1. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Fourth example

F1. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

First example

F1. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Second example

F1. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Third example

F1. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Fourth example

F1. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Council Directive of 22 December 1986 for the approximation of the laws, regulations and administrative provisions of the Member States concerning consumer credit (87/102/EEC) (repealed)

Annotations to the whole text

Textual amendments

Contents