http://www.legislation.gov.uk/eudr/2014/17/annex/II/part/B/section/1Directive 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/xmlen2018-01-01 ANNEX II <Strong>EUROPEAN STANDARDISED INFORMATION SHEET (ESIS)</Strong> PART BInstructions to complete the ESIS Section ‘Introductory text’ (1)

The validity date shall be properly highlighted. For the purpose of this section, the ‘validity date’ means the length of time the information, e.g. the borrowing rate, contained in the ESIS will remain unchanged and will apply should the creditor decide to grant the credit within this period of time. Where the determination of the applicable borrowing rate and other costs depends on the results of the selling of underlying bonds, the eventual borrowing rate and other costs may be different from those stated. In those circumstances only, it shall be stipulated that the validity date does not apply to the borrowing rate and other costs by adding the words: ‘apart from the interest rate and other costs’.

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<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>
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<ukm:Statistics>
<ukm:TotalParagraphs Value="229"/>
<ukm:BodyParagraphs Value="51"/>
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<EURetained>
<Schedules RestrictStartDate="2014-02-28" RestrictExtent="E+W+S+N.I.">
<Schedule DocumentURI="http://www.legislation.gov.uk/eudr/2014/17/annex/II" IdURI="http://www.legislation.gov.uk/id/eudr/2014/17/annex/II" id="annex-II" RestrictStartDate="2014-02-28" RestrictExtent="E+W+S+N.I.">
<Number>ANNEX II</Number>
<TitleBlock>
<Title>
<Strong>EUROPEAN STANDARDISED INFORMATION SHEET (ESIS)</Strong>
</Title>
</TitleBlock>
<ScheduleBody>
<Division DocumentURI="http://www.legislation.gov.uk/eudr/2014/17/annex/II/part/B" IdURI="http://www.legislation.gov.uk/id/eudr/2014/17/annex/II/part/B" id="annex-II-part-B" Type="EUPart" RestrictStartDate="2014-02-28" RestrictExtent="E+W+S+N.I.">
<Number>PART B</Number>
<Title>Instructions to complete the ESIS</Title>
<Division DocumentURI="http://www.legislation.gov.uk/eudr/2014/17/annex/II/part/B/section/1" IdURI="http://www.legislation.gov.uk/id/eudr/2014/17/annex/II/part/B/section/1" id="annex-II-part-B-section-1" Type="EUSection" RestrictStartDate="2014-02-04" RestrictExtent="E+W+S+N.I.">
<Number>Section ‘Introductory text’</Number>
<Division DocumentURI="http://www.legislation.gov.uk/eudr/2014/17/annex/II/part/B/section/1/division/1" IdURI="http://www.legislation.gov.uk/id/eudr/2014/17/annex/II/part/B/section/1/division/1" id="annex-II-part-B-section-1-division-1" RestrictStartDate="2014-02-04" RestrictExtent="E+W+S+N.I.">
<Number>(1)</Number>
<P>
<Text>The validity date shall be properly highlighted. For the purpose of this section, the ‘validity date’ means the length of time the information, e.g. the borrowing rate, contained in the ESIS will remain unchanged and will apply should the creditor decide to grant the credit within this period of time. Where the determination of the applicable borrowing rate and other costs depends on the results of the selling of underlying bonds, the eventual borrowing rate and other costs may be different from those stated. In those circumstances only, it shall be stipulated that the validity date does not apply to the borrowing rate and other costs by adding the words: ‘apart from the interest rate and other costs’.</Text>
</P>
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