ANNEX IIEUROPEAN STANDARDISED INFORMATION SHEET (ESIS)
PART BInstructions to complete the ESIS
Section ‘10.Flexible features’
(3)
If the feature contains any additional credit, then this section must explain to the consumer: the total amount of credit (including the credit secured by the mortgage or comparable security); whether the additional credit is secured or not; the relevant borrowing rates; and whether it is regulated or not. Such additional credit amount shall either be included in the original creditworthiness assessment or, if it is not, this section shall make clear that the availability of the additional amount is dependent on a further assessment of the consumer’s ability to repay.