http://www.legislation.gov.uk/eudr/2014/17/annex/II/part/B/section/6/division/4/2020-01-31Directive 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 ESISSection ‘6.Amount of each instalment’ (4)

Where the borrowing rate is variable the information shall include a statement indicating that fact, using the wording in Part A and an illustration of a maximum instalment amount. Where there is a cap, the illustration shall show the amount of the instalments if the borrowing rate rises to the level of the cap. Where there is no cap, the worst case scenario shall illustrate the level of instalments at the highest borrowing rate in the last 20 years, or where the underlying data for the calculation of the borrowing rate is available for a period of less than 20 years the longest period for which such data is available, based on the highest value of any external reference rate used in calculating the borrowing rate where applicable, or the highest value of a benchmark rate specified by a competent authority or EBA where the creditor does not use an external reference rate. The requirement to provide an illustrative example shall not apply to credit agreements where the borrowing rate is fixed for a material initial period of several years and may then be fixed for a further period following negotiation between the creditor and the consumer. Where credits are multi-part credits (e.g. concurrently part fixed rate, part variable rate), the information shall be given for each part of the credit, and in total.

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<IDENTIFIER>ENG</IDENTIFIER>
<TYPE>language</TYPE>
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<OP-CODE>ENG</OP-CODE>
<IDENTIFIER>ENG</IDENTIFIER>
<PREFLABEL>English</PREFLABEL>
<ALTLABEL>English</ALTLABEL>
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<VALUE>eng</VALUE>
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<CREATIONDATE type="date">
<VALUE>2018-01-23T10:46:53.141+01:00</VALUE>
<YEAR>2018</YEAR>
<MONTH>01</MONTH>
<DAY>23</DAY>
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<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"/>
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<Schedules RestrictStartDate="2014-02-28" RestrictExtent="E+W+S+N.I.">
<Schedule DocumentURI="http://www.legislation.gov.uk/eudr/2014/17/annex/II/2020-01-31" 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/2020-01-31" 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/6/2020-01-31" IdURI="http://www.legislation.gov.uk/id/eudr/2014/17/annex/II/part/B/section/6" id="annex-II-part-B-section-6" Type="EUSection" RestrictStartDate="2014-02-04" RestrictExtent="E+W+S+N.I.">
<Number>Section ‘6.</Number>
<Title>Amount of each instalment’</Title>
<Division DocumentURI="http://www.legislation.gov.uk/eudr/2014/17/annex/II/part/B/section/6/division/4/2020-01-31" IdURI="http://www.legislation.gov.uk/id/eudr/2014/17/annex/II/part/B/section/6/division/4" id="annex-II-part-B-section-6-division-4" RestrictStartDate="2014-02-04" RestrictExtent="E+W+S+N.I.">
<Number>(4)</Number>
<P>
<Text>Where the borrowing rate is variable the information shall include a statement indicating that fact, using the wording in Part A and an illustration of a maximum instalment amount. Where there is a cap, the illustration shall show the amount of the instalments if the borrowing rate rises to the level of the cap. Where there is no cap, the worst case scenario shall illustrate the level of instalments at the highest borrowing rate in the last 20 years, or where the underlying data for the calculation of the borrowing rate is available for a period of less than 20 years the longest period for which such data is available, based on the highest value of any external reference rate used in calculating the borrowing rate where applicable, or the highest value of a benchmark rate specified by a competent authority or EBA where the creditor does not use an external reference rate. The requirement to provide an illustrative example shall not apply to credit agreements where the borrowing rate is fixed for a material initial period of several years and may then be fixed for a further period following negotiation between the creditor and the consumer. Where credits are multi-part credits (e.g. concurrently part fixed rate, part variable rate), the information shall be given for each part of the credit, and in total.</Text>
</P>
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