{
  "url": "https://openlegislation.uk/eu-directive-2008-48/annex-II/division-2",
  "json_url": "https://openlegislation.uk/eu-directive-2008-48/annex-II/division-2.json",
  "legislation": "eudr/2008/48",
  "legislation_title": "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",
  "legislation_url": "https://openlegislation.uk/eu-directive-2008-48",
  "path": "annex/II/division/2",
  "kind": "division",
  "number": "2",
  "heading": "Description of the main features of the credit product",
  "text": "The type of credit\nThe total amount of credit\nThis means the ceiling or the total sums made available under the credit agreement.\nThe conditions governing the drawdown\nThis means how and when you will obtain the money.\nThe duration of the credit agreement\nInstalments and, where appropriate, the order in which instalments will be allocated\nYou will have to pay the following:\n[The amount, number and frequency of payments to be made by the consumer]\nInterest and/or charges will be payable in the following manner:\nThe total amount you will have to pay\nThis means the amount of borrowed capital plus interest and possible costs related to your credit.\n[Sum of total amount of credit and total cost of credit]\nIf applicable\nThe credit is granted in the form of a deferred payment for a good or service or is linked to the supply of specific goods or the provision of a service\nName of good/service\nCash price\nIf applicable\nSureties required\n[Kind of sureties]\nThis is a description of the security to be provided by you in relation to the credit agreement.\nIf applicable\nRepayments do not give rise to immediate amortisation of the capital.",
  "extent": "E+W+S+N.I.",
  "status": null,
  "version": "current",
  "annotations": [],
  "outstanding_effects": [],
  "provenance": {
    "source": "legislation.gov.uk",
    "source_url": "https://www.legislation.gov.uk/eudr/2008/48/annex/II/division/2",
    "retrieved_at": "2026-11-01T15:22:21.482265+00:00"
  },
  "licence": "Open Government Licence v3.0",
  "licence_url": "https://www.nationalarchives.gov.uk/doc/open-government-licence/version/3/",
  "attribution": "Contains public sector information licensed under the Open Government Licence v3.0. Source: legislation.gov.uk, The National Archives."
}