Specifying the previously published Cabinet of 28 December 2010 rule no. 1219 "provisions on consumer credit" ("journal", 05.01.2011, 2. no) this point is the following: ' 13. Advertising on excess credit that must be repaid on demand or within three months, if the ad was created, indicating the interest rate or other numerical information about the cost of the credit, by means of a representative example indicates at least that rule 12.1. 12.2 and 12.3, the information referred to in point.
14. advertising on the lending contracts for the acquisition of immovable property or credit contract repayment secured by mortgage on immovable property, if the ad was created, indicating the interest rate or other numerical information about the cost of the credit, by means of a representative example indicates this rule 12.1, 12.2, 12.4, 12.5 and 12.6. information referred to in point.
15. advertising on the lending agreement, under which the consumer credit has to be repaid within a period which shall not exceed three months, and for the use of credits will be required for the additional duty compared with the total amount of credit and lending contract period, if the ad was created, indicating the interest rate or other numerical information about the cost of the credit, by means of a representative example indicates this rule 12.1, 12.2, 12.4, 12.5 and 12.6. information referred to in point.
16. advertising on the lending agreement which is concluded by the consumer credit's storage as security transferable in any case and in accordance with the consumer's responsibility is limited to cases where the mortgaged ad was created, indicating the interest rate or other numerical information about the cost of the credit, by means of a representative example indicates this rule 12.1, 12.4, and the information referred to in paragraph 12.6.
18. Before the consumer is bound by any credit agreement or offer, agreed to loan or the credit intermediary shall, on the basis of the credit terms and conditions of the credit and the consumer's preferences and the information, if the consumer has provided such timely provides the consumer with the information needed to compare different offers and make an informed decision on the conclusion of the agreement on the credit.
19.8. the payment of the amount, number and frequency of payments to be made by the consumer, as well as the order in which payments will be allocated to different outstanding balances charged at different borrowing rates (if such arrangements are fixed);
20. This provision of the information referred to in paragraph 19 of the rules of the appropriate annex 2 contained in the standard European consumer credit information form on paper or on another durable medium. All such information should be equally visible. Credit the employer has complied with the information requirements pursuant to this paragraph and the provisions on distance contracts for financial services in specific information of consumers of financial services before the distance contract if he has provided consumer information under that form.
28. Before the consumer is committed lending agreement or offer concerning a credit agreement for overshoot, which is to be repaid on demand or within three months, as well as the rules referred to in paragraph 31 of the lending agreements, credit or the credit intermediary shall, on the basis of the credit terms and conditions of the credit and the consumer's preferences and the information, if the consumer has provided such timely provides consumers with the information needed to compare different offers and make an informed decision on the conclusion of the agreement on the credit.
30. This provision of the information referred to in paragraph 29 shall be given in respect of this provision in annex 3 to the standard European consumer credit information form on paper or on another durable medium. All such information should be equally visible. Credit the employer has complied with the information requirements pursuant to this paragraph and the provisions on distance contracts for financial services in specific information of consumers of financial services before the distance contract if he has provided consumer information under that form.
24.0. the annual percentage rate of charge and the total cost of the credit to the consumer, calculated lending at the time of conclusion of the contract. Lending agreement tells all the assumptions used for calculating the said rate pursuant to this provision and to point 2.4 2.2 and (6);
47. lending agreement specified information should be equally visible.
53.2. solid storage, customer service and entrance to the internal and external video surveillance via CCTV cameras and video footage in real time mode (video recording resolution should be no less than 520 TV lines, 25 frame per second each camera video with the original data stream no less than 184.25 Mbps, and the application of h.264/AVC/MPEG-4 part 10 standard video compression), providing equipment and video ierakstoš the safe preservation to prevent unlawful destruction. The video kept for at least a month, counting from the date of the video;
80. The fee payable by the consumer to the credit intermediary for his services provided (if any is payable), the mediator shall notify the consumer, and the consumer and the credit intermediary so agree before lending to the conclusion of the contract on paper or on another durable medium. "
Head of the Legal Department of the i. ndah