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Consumer Credit Contract

Consumer Credit Contract Template for Netherlands

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Key Requirements PROMPT example:

Consumer Credit Contract

"I need a Consumer Credit Contract for a €25,000 personal loan with a 5-year fixed term, including optional insurance provisions and early repayment options, compliant with Dutch law and suitable for use starting March 2025."

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Document background
The Consumer Credit Contract is a fundamental document used in the Netherlands for establishing legally binding credit arrangements between financial institutions and individual consumers. This agreement is essential when providing any form of consumer credit, including personal loans, revolving credit facilities, and installment plans. The document must comply with strict Dutch regulatory requirements, including the Financial Supervision Act (Wft) and the Dutch Civil Code, as well as EU regulations such as the Consumer Credit Directive. It contains mandatory information about credit terms, interest rates, repayment schedules, consumer rights (including the right of withdrawal), and data protection provisions. This template is specifically designed for use in the Dutch market and incorporates all necessary consumer protection measures required by Dutch law.
Suggested Sections

1. Parties: Identification of the credit provider and the consumer, including full legal names, addresses, and registration details

2. Background: Brief context of the credit agreement and its purpose

3. Definitions: Definitions of key terms used throughout the agreement

4. Credit Details: Essential credit information including amount, duration, interest rate, APR, and total amount payable

5. Drawdown and Payment: Terms and conditions for accessing the credit and repayment schedule

6. Interest and Fees: Detailed breakdown of interest calculation, fees, and charges

7. Rights of Withdrawal: Consumer's right to withdraw from the agreement within 14 days as per EU regulations

8. Early Repayment: Terms and conditions for early repayment and any associated fees

9. Default and Consequences: Circumstances constituting default and consequences including default interest

10. Personal Data Processing: Information about how personal data will be processed in accordance with GDPR

11. Communications: How parties will communicate and provide notices

12. Complaints Procedure: Process for handling complaints and reference to relevant ombudsman services

13. Governing Law and Jurisdiction: Confirmation of Dutch law application and jurisdiction

Optional Sections

1. Security: Required when the credit is secured against assets or requires guarantors

2. Insurance Requirements: Included when specific insurance is required as part of the credit agreement

3. Special Drawdown Conditions: Used for credits with specific conditions for drawdown or staged payments

4. Third Party Rights: Required when third parties (such as guarantors) are involved in the agreement

5. Credit Intermediary Details: Required when a credit intermediary is involved in arranging the credit

6. Linked Agreements: Used when the credit is connected to specific purchases or other agreements

Suggested Schedules

1. Schedule 1 - Repayment Schedule: Detailed amortization table showing payment dates, amounts, and interest allocation

2. Schedule 2 - Fee Schedule: Comprehensive list of all applicable fees and charges

3. Schedule 3 - Standard European Consumer Credit Information: Standardized information sheet as required by EU regulations

4. Appendix A - Terms and Conditions: General terms and conditions of the credit provider

5. Appendix B - Direct Debit Authorization: Form for setting up automatic payments

6. Appendix C - Withdrawal Form: Standard form for exercising the right of withdrawal

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

Retail Banking

Consumer Finance

Financial Services

Consumer Lending

Personal Banking

Digital Banking

Fintech

Consumer Credit

Mortgage Lending

Alternative Lending

Relevant Teams

Legal

Compliance

Risk Management

Retail Banking

Consumer Lending

Credit Operations

Product Development

Customer Service

Documentation

Regulatory Affairs

Relevant Roles

Credit Officer

Loan Officer

Consumer Banking Manager

Retail Banking Manager

Legal Counsel

Compliance Officer

Risk Manager

Consumer Credit Analyst

Financial Services Manager

Contract Manager

Credit Risk Officer

Customer Service Manager

Product Development Manager

Regulatory Compliance Specialist

Banking 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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