http://www.legislation.gov.uk/eudr/2014/17/annex/I/division/II/division/mDirective 2014/17/EU of the European Parliament and of the Council of 4 February 2014 on credit agreements for consumers relating to residential immovable property and amending Directives 2008/48/EC and 2013/36/EU and Regulation (EU) No 1093/2010 (Text with EEA relevance)Directive 2014/17/EU of the European Parliament and of the CouncilDirective 2014/17/EU of the European Parliament and of the Council of 4 February 2014 on credit agreements for consumers relating to residential immovable property and amending Directives 2008/48/EC and 2013/36/EU and Regulation (EU) No 1093/2010 (Text with EEA relevance)2020-12-11King's Printer of Acts of Parliamenthttps://webarchive.nationalarchives.gov.uk/eu-exit/https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:02014L0017-20180101texttext/xmlen2018-01-01ANNEX ICALCULATION OF THE ANNUAL PERCENTAGE RATE OF CHARGE (APRC)II.Additional assumptions for the calculation of the APRC(m)In the case of shared equity credit agreements:(i)

the payments by consumers shall be deemed to occur at the latest date or dates permitted under the credit agreement;

(ii)

percentage increases in value of the immovable property which secures the shared equity credit agreement, and the rate of any inflation index referred to in the agreement, shall be assumed to be a percentage equal to the higher of the current central bank target inflation rate or the level of inflation in the Member State where the immovable property is located at the time of conclusion of the credit agreement or 0 % if those percentages are negative.

This XML file does not appear to have any style information associated with it. The document tree is shown below.
<akomaNtoso xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="http://docs.oasis-open.org/legaldocml/ns/akn/3.0" xsi:schemaLocation="http://docs.oasis-open.org/legaldocml/ns/akn/3.0 http://docs.oasis-open.org/legaldocml/akn-core/v1.0/cos01/part2-specs/schemas/akomantoso30.xsd">
<portion includedIn="http://www.legislation.gov.uk/id/eudr/2014/17/annex/I/division/II">
<meta>
<identification source="#source">
<FRBRWork>
<FRBRthis value="http://www.legislation.gov.uk/id/eudr/2014/17/annex/I/division/II"/>
<FRBRuri value="http://www.legislation.gov.uk/id/eudr/2014/17/annex/I/division/II"/>
<FRBRdate date="2014-02-04" name="adopted"/>
<FRBRauthor href="http://publications.europa.eu/resource/authority/corporate-body/OP_DATPRO"/>
<FRBRcountry value="EU"/>
<FRBRnumber value="17"/>
<FRBRname value="Directive (EU) 2014/17"/>
<FRBRprescriptive value="true"/>
</FRBRWork>
<FRBRExpression>
<FRBRthis value="http://www.legislation.gov.uk/eudr/2014/17/annex/I/division/II/division/m"/>
<FRBRuri value="http://www.legislation.gov.uk/eudr/2014/17/annex/I/division/II"/>
<FRBRdate date="2018-01-01" name="validFrom"/>
<FRBRauthor href="#source"/>
<FRBRlanguage language="eng"/>
</FRBRExpression>
<FRBRManifestation>
<FRBRthis value="http://www.legislation.gov.uk/eudr/2014/17/annex/I/division/II/division/m/data.akn"/>
<FRBRuri value="http://www.legislation.gov.uk/eudr/2014/17/annex/I/division/II/data.akn"/>
<FRBRdate date="2024-11-14Z" name="transform"/>
<FRBRauthor href="http://www.legislation.gov.uk"/>
<FRBRformat value="application/akn+xml"/>
</FRBRManifestation>
</identification>
<lifecycle source="#source">
<eventRef date="2014-02-04" type="generation" eId="enacted-date" source="#source"/>
<eventRef date="2014-02-04" type="amendment" source="#source"/>
<eventRef date="2014-02-04" eId="effective-date-1" source="#source"/>
<eventRef date="2014-02-28" eId="effective-date-2" source="#source"/>
<eventRef date="2018-01-01" eId="effective-date-3" source="#source"/>
</lifecycle>
<analysis source="#source">
<restrictions source="#source">
<restriction refersTo="#e+w+s+ni" type="jurisdiction"/>
<restriction href="#d4e545" refersTo="#e+w+s+ni" type="jurisdiction"/>
<restriction href="#annex-I" refersTo="#e+w+s+ni" type="jurisdiction"/>
<restriction href="#annex-I-division-II" refersTo="#e+w+s+ni" type="jurisdiction"/>
<restriction href="#annex-I-division-II-division-m" refersTo="#e+w+s+ni" type="jurisdiction"/>
</restrictions>
</analysis>
<temporalData source="#source">
<temporalGroup eId="period1">
<timeInterval start="#effective-date-1" refersTo="#period-concept1"/>
</temporalGroup>
<temporalGroup eId="period2">
<timeInterval start="#effective-date-2" refersTo="#period-concept2"/>
</temporalGroup>
<temporalGroup eId="period3">
<timeInterval start="#effective-date-3" refersTo="#period-concept3"/>
</temporalGroup>
</temporalData>
<references source="#source">
<TLCOrganization eId="source" href="http://www.legislation.gov.uk/id/publisher/KingsOrQueensPrinterOfActsOfParliament" showAs="King's Printer of Acts of Parliament"/>
<TLCLocation eId="e+w+s+ni" href="/ontology/jurisdictions/uk.EnglandWalesScotlandNorthernIreland" showAs="England, Wales, Scotland, Northern Ireland"/>
<TLCConcept eId="period-concept1" href="/ontology/time/2014.02.04" showAs="since 2014-02-04"/>
<TLCConcept eId="period-concept2" href="/ontology/time/2014.02.28" showAs="since 2014-02-28"/>
<TLCConcept eId="period-concept3" href="/ontology/time/2018.01.01" showAs="since 2018-01-01"/>
</references>
<proprietary xmlns:ukl="http://www.legislation.gov.uk/namespaces/legislation" xmlns:ukm="http://www.legislation.gov.uk/namespaces/metadata" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:dct="http://purl.org/dc/terms/" xmlns:atom="http://www.w3.org/2005/Atom" source="#source">
<ukl:RestrictStartDate value="2018-01-01"/>
<dc:identifier>http://www.legislation.gov.uk/eudr/2014/17/annex/I/division/II/division/m</dc:identifier>
<dc:title>Directive 2014/17/EU of the European Parliament and of the Council of 4 February 2014 on credit agreements for consumers relating to residential immovable property and amending Directives 2008/48/EC and 2013/36/EU and Regulation (EU) No 1093/2010 (Text with EEA relevance)</dc:title>
<dct:alternative>Directive 2014/17/EU of the European Parliament and of the Council</dct:alternative>
<dc:description>Directive 2014/17/EU of the European Parliament and of the Council of 4 February 2014 on credit agreements for consumers relating to residential immovable property and amending Directives 2008/48/EC and 2013/36/EU and Regulation (EU) No 1093/2010 (Text with EEA relevance)</dc:description>
<dc:modified>2020-12-11</dc:modified>
<dc:publisher>King's Printer of Acts of Parliament</dc:publisher>
<dc:source>https://webarchive.nationalarchives.gov.uk/eu-exit/https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:02014L0017-20180101</dc:source>
<dc:type>text</dc:type>
<dc:format>text/xml</dc:format>
<dc:language>en</dc:language>
<dct:valid>2018-01-01</dct:valid>
<atom:link rel="self" href="http://www.legislation.gov.uk/eudr/2014/17/annex/I/division/II/division/m/data.xml" type="application/xml"/>
<atom:link rel="http://www.legislation.gov.uk/def/navigation/resources" href="http://www.legislation.gov.uk/eudr/2014/17/resources" title="More Resources"/>
<atom:link rel="http://www.legislation.gov.uk/def/navigation/act" href="http://www.legislation.gov.uk/eudr/2014/17" title="whole act"/>
<atom:link rel="http://www.legislation.gov.uk/def/navigation/introduction" href="http://www.legislation.gov.uk/eudr/2014/17/introduction" title="introduction"/>
<atom:link rel="http://www.legislation.gov.uk/def/navigation/body" href="http://www.legislation.gov.uk/eudr/2014/17/body" title="body"/>
<atom:link rel="http://www.legislation.gov.uk/def/navigation/annexes" href="http://www.legislation.gov.uk/eudr/2014/17/annexes" title="annexes"/>
<atom:link rel="http://www.legislation.gov.uk/def/date/euexitday" href="http://www.legislation.gov.uk/eudr/2014/17/annex/I/division/II/division/m/2020-01-31" title="2020-01-31"/>
<atom:link rel="http://www.legislation.gov.uk/def/date/euexitTransitionEnd" href="http://www.legislation.gov.uk/eudr/2014/17/annex/I/division/II/division/m/2020-12-31" title="2020-12-31"/>
<atom:link rel="alternate" type="application/rdf+xml" href="http://www.legislation.gov.uk/eudr/2014/17/annex/I/division/II/division/m/data.rdf" title="RDF/XML"/>
<atom:link rel="alternate" type="application/akn+xml" href="http://www.legislation.gov.uk/eudr/2014/17/annex/I/division/II/division/m/data.akn" title="AKN"/>
<atom:link rel="alternate" type="application/xhtml+xml" href="http://www.legislation.gov.uk/eudr/2014/17/annex/I/division/II/division/m/data.xht" title="HTML snippet"/>
<atom:link rel="alternate" type="text/html" href="http://www.legislation.gov.uk/eudr/2014/17/annex/I/division/II/division/m/data.htm" title="Website (XHTML) Default View"/>
<atom:link rel="alternate" type="text/csv" href="http://www.legislation.gov.uk/eudr/2014/17/annex/I/division/II/division/m/data.csv" title="CSV"/>
<atom:link rel="alternate" type="application/pdf" href="http://www.legislation.gov.uk/eudr/2014/17/annex/I/division/II/division/m/data.pdf" title="PDF"/>
<atom:link rel="alternate" type="application/akn+xhtml" href="http://www.legislation.gov.uk/eudr/2014/17/annex/I/division/II/division/m/data.html" title="HTML5 snippet"/>
<atom:link rel="http://purl.org/dc/terms/tableOfContents" hreflang="en" href="http://www.legislation.gov.uk/eudr/2014/17/contents" title="Table of Contents"/>
<atom:link rel="http://purl.org/dc/terms/hasVersion" href="http://www.legislation.gov.uk/eudr/2014/17/annex/I/division/II/division/m/adopted" title="adopted"/>
<atom:link rel="http://purl.org/dc/terms/hasVersion" href="http://www.legislation.gov.uk/eudr/2014/17/annex/I/division/II/division/m/2014-02-04" title="2014-02-04"/>
<atom:link rel="up" href="http://www.legislation.gov.uk/eudr/2014/17/annex/I/division/II" title="Annex I Division II"/>
<atom:link rel="prev" href="http://www.legislation.gov.uk/eudr/2014/17/annex/I/division/II/division/l" title="Division; Annex I Division II Division l"/>
<atom:link rel="prevInForce" href="http://www.legislation.gov.uk/eudr/2014/17/annex/I/division/II/division/l" title="Division; Annex I Division II Division l"/>
<atom:link rel="next" href="http://www.legislation.gov.uk/eudr/2014/17/annex/II/part/A" title="Part; Annex II Part A"/>
<atom:link rel="nextInForce" href="http://www.legislation.gov.uk/eudr/2014/17/annex/II/part/A" title="Part; Annex II Part A"/>
<ukm:EUMetadata>
<ukm:DocumentClassification>
<ukm:DocumentCategory Value="euretained"/>
<ukm:DocumentMainType Value="EuropeanUnionDirective"/>
<ukm:DocumentStatus Value="revised"/>
</ukm:DocumentClassification>
<ukm:Year Value="2014"/>
<ukm:Number Value="17"/>
<ukm:EURLexIdentifiers>
<ukm:Cellar Value="41b811f8-b00b-4465-8963-5572cb1d49e4"/>
<ukm:CELEX Value="02014L0017-20180101"/>
<ukm:ELI Value="dir:2014:17:2018-01-01"/>
</ukm:EURLexIdentifiers>
<ukm:EnactmentDate Date="2014-02-04"/>
<ukm:EURLexModified Date="2020-01-30T06:47:30Z"/>
<ukm:EURLexExtracted Date="2020-01-30T16:27:34Z"/>
<ukm:XMLGenerated Date="2020-12-11T18:38:22Z"/>
<ukm:XMLImported Date="2020-12-11T20:03:38Z"/>
<ukm:CreatedBy Label="Provisional data" URI="http://publications.europa.eu/resource/authority/corporate-body/OP_DATPRO"/>
</ukm:EUMetadata>
<ukm:Alternatives>
<ukm:Alternative URI="http://www.legislation.gov.uk/eudr/2014/17/pdfs/eudr_20140017_adopted_en.pdf" Date="2014-02-04" Size="1131152"/>
<ukm:Alternative URI="http://www.legislation.gov.uk/eudr/2014/17/pdfs/eudr_20140017_2014-02-28_en.pdf" Date="2014-02-28" Size="1141369" Revised="2014-02-28"/>
<ukm:Alternative URI="http://www.legislation.gov.uk/eudr/2014/17/pdfs/eudr_20140017_2018-01-01_en.pdf" Date="2018-01-01" Size="515294" Revised="2018-01-01"/>
</ukm:Alternatives>
<ukm:CorrectionSlips>
<ukm:CorrectionSlip URI="http://www.legislation.gov.uk/eudr/2014/17/pdfs/eudrcs_20140017_en_001.pdf" Date="2015-09-23" Size="311462"/>
</ukm:CorrectionSlips>
<ukm:Statistics>
<ukm:TotalParagraphs Value="229"/>
<ukm:BodyParagraphs Value="51"/>
<ukm:ScheduleParagraphs Value="178"/>
<ukm:AttachmentParagraphs Value="0"/>
<ukm:TotalImages Value="2"/>
</ukm:Statistics>
</proprietary>
</meta>
<portionBody>
<hcontainer name="schedules" eId="d4e545" period="#period2">
<hcontainer name="schedule" eId="annex-I" period="#period1">
<num>ANNEX I</num>
<heading>
<strong>CALCULATION OF THE ANNUAL PERCENTAGE RATE OF CHARGE (APRC)</strong>
</heading>
<level eId="annex-I-division-II" period="#period1">
<num>II.</num>
<heading>Additional assumptions for the calculation of the APRC</heading>
<level eId="annex-I-division-II-division-m" period="#period1">
<num>(m)</num>
<heading>In the case of shared equity credit agreements:</heading>
<content>
<blockList class="ordered">
<item>
<num>(i)</num>
<p>the payments by consumers shall be deemed to occur at the latest date or dates permitted under the credit agreement;</p>
</item>
<item>
<num>(ii)</num>
<p>percentage increases in value of the immovable property which secures the shared equity credit agreement, and the rate of any inflation index referred to in the agreement, shall be assumed to be a percentage equal to the higher of the current central bank target inflation rate or the level of inflation in the Member State where the immovable property is located at the time of conclusion of the credit agreement or 0 % if those percentages are negative.</p>
</item>
</blockList>
</content>
</level>
</level>
</hcontainer>
</hcontainer>
</portionBody>
</portion>
</akomaNtoso>