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Home Credit Contract

Home Credit Contract Template for Ireland

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Key Requirements PROMPT example:

Home Credit Contract

"I need a standard Home Credit Contract for my small lending business in Dublin, Ireland, that covers loans up to €2000 with weekly collections and includes basic consumer protection provisions."

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Document background
A Home Credit Contract is used when a licensed financial institution provides credit to consumers in Ireland with repayments typically collected at the borrower's home. This type of agreement is subject to strict regulation under Irish law, including the Consumer Credit Act 1995, European Union (Consumer Credit Agreements) Regulations 2010, and the Central Bank Consumer Protection Code 2012. The document must include specific statutory disclosures, clear information about the cost of credit, collection arrangements, and borrower rights. It's particularly designed for situations where regular face-to-face contact between the lender's agent and the borrower is part of the service model. The agreement must ensure transparency and fair treatment of consumers while protecting both parties' interests.
Suggested Sections

1. Parties: Identifies the lender and the borrower with full legal names and addresses

2. Background: Brief context explaining the purpose of the home credit agreement

3. Definitions: Defines key terms used throughout the agreement

4. The Credit Facility: Details of the credit amount, purpose, and basic terms

5. Interest and Charges: Clearly stated interest rate, APR, and any additional charges

6. Repayment Terms: Schedule of repayments, collection arrangements, and payment methods

7. Borrower's Representations and Warranties: Confirmations from the borrower about their circumstances and ability to repay

8. Lender's Rights and Obligations: The lender's commitments and rights under the agreement

9. Default and Consequences: What constitutes default and the resulting actions

10. Early Repayment: Terms and conditions for early repayment of the loan

11. Data Protection: How personal information will be handled in compliance with GDPR

12. Complaints Procedure: Process for raising and handling complaints

13. Governing Law: Confirmation that Irish law governs the agreement

Optional Sections

1. Insurance: Terms related to optional payment protection insurance or other insurance products

2. Change in Circumstances: Procedures for handling changes in borrower circumstances - include if offering payment holidays or flexibility options

3. Additional Borrowing: Terms for requesting additional credit - include if offering top-up loans

4. Third Party Rights: Include if there are guarantors or other third parties involved in the agreement

5. Assignment: Include if the lender may want to transfer the agreement to another provider

6. Electronic Communications: Include if offering digital communications or online account management

Suggested Schedules

1. Schedule 1 - Key Financial Information: Detailed breakdown of the loan amount, interest, charges, and total amount payable

2. Schedule 2 - Repayment Schedule: Detailed payment schedule showing dates, amounts, and allocation between principal and interest

3. Schedule 3 - Standard European Consumer Credit Information: Mandatory pre-contractual information in the standardized European format

4. Schedule 4 - Direct Debit Mandate: Optional direct debit authorization form if offering this payment method

5. Appendix A - Information Notice: Statutory information notice required under the Consumer Credit Act 1995

6. Appendix B - Complaints Procedure: Detailed complaints handling process and contact information

Authors

Alex Denne

Head of Growth (Open Source Law) @ tiktok³ÉÈË°æ | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

alex.den.21@genieai.co
Relevant legal definitions


































Clauses






























Relevant Industries

Financial Services

Consumer Lending

Retail Banking

Consumer Finance

Home Credit Services

Doorstep Lending

Personal Loans

Relevant Teams

Legal

Compliance

Credit Risk

Collections

Customer Service

Operations

Regulatory Affairs

Product Development

Sales

Documentation

Quality Assurance

Relevant Roles

Credit Manager

Compliance Officer

Legal Counsel

Consumer Credit Officer

Collections Manager

Risk Assessment Officer

Customer Service Manager

Financial Services Director

Regulatory Affairs Manager

Credit Risk Analyst

Home Credit Agent

Contract Administrator

Consumer Protection Officer

Operations Manager

Industries








Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

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