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  1. #2939084

    i gcás inarb infheidhme, an méid iomlán is iníoctha ag an tomhaltóir agus méid na dtráthchodanna.

    where applicable, the total amount payable by the consumer and the amount of the instalments.

    Directive (EU) 2023/2225 of the European Parliament and of the Council of 18 October 2023 on credit agreements for consumers and repealing Directive 2008/48/EC

  2. #2939125

    ráta céatadánach bliantúil an mhuirir agus an méid iomlán is iníoctha ag an tomhaltóir;

    the annual percentage rate of charge and the total amount payable by the consumer;

    Directive (EU) 2023/2225 of the European Parliament and of the Council of 18 October 2023 on credit agreements for consumers and repealing Directive 2008/48/EC

  3. #2939034

    ciallaíonn ‘an méid iomlán is iníoctha ag an tomhaltóir’ suim an mhéid iomláin creidmheasa agus chostas iomlán an chreidmheasa don tomhaltóir;

    total amount payable by the consumer’ means the sum of the total amount of credit and the total cost of the credit to the consumer;

    Directive (EU) 2023/2225 of the European Parliament and of the Council of 18 October 2023 on credit agreements for consumers and repealing Directive 2008/48/EC

  4. #2939106

    sampla ionadaíoch den mhéid iomlán creidmheasa, costas iomlán an chreidmheasa don tomhaltóir, an méid iomlán is iníoctha ag an tomhaltóir agus ráta céatadánach bliantúil an mhuirir;

    a representative example of the total amount of credit, the total cost of the credit to the consumer, the total amount payable by the consumer and the annual percentage rate of charge;

    Directive (EU) 2023/2225 of the European Parliament and of the Council of 18 October 2023 on credit agreements for consumers and repealing Directive 2008/48/EC

  5. #2939176

    sampla ionadaíoch ina léirítear ráta céatadánach bliantúil an mhuirir agus an méid iomlán is iníoctha ag an tomhaltóir, a léirítear trí shampla ionadaíoch ina luaitear na toimhdí uile a úsáideadh chun an ráta sin a ríomh;

    a representative example illustrating the annual percentage rate of charge and the total amount payable by the consumer, referring to all of the assumptions used in order to calculate that rate;

    Directive (EU) 2023/2225 of the European Parliament and of the Council of 18 October 2023 on credit agreements for consumers and repealing Directive 2008/48/EC

  6. #2939739

    Sampla ionadaíoch ina léirítear ráta céatadánach bliantúil an mhuirir (APR) agus an mhéid iomlán is iníoctha ag an tomhaltóra

    Representative example illustrating the annual percentage rate of charge (APR) and the total amount payable by the consumer

    Directive (EU) 2023/2225 of the European Parliament and of the Council of 18 October 2023 on credit agreements for consumers and repealing Directive 2008/48/EC

  7. #2938914

    Nuair a mheastar bearta staonta a bheith iomchuí, níor cheart ceangal a chur ar chreidiúnaithe measúnú acmhainneachta creidmheasa a dhéanamh agus téarmaí agus coinníollacha an chomhaontaithe creidmheasa á modhnú, ach amháin má mhéadaítear an méid iomlán is iníoctha ag an tomhaltóir go suntasach agus na téarmaí agus coinníollacha sin á modhnú.

    When forbearance measures are deemed appropriate, creditors should not be required to perform a creditworthiness assessment when modifying the terms and conditions of the credit agreement, unless the total amount payable by the consumer is significantly increased when modifying those terms and conditions.

    Directive (EU) 2023/2225 of the European Parliament and of the Council of 18 October 2023 on credit agreements for consumers and repealing Directive 2008/48/EC

  8. #2939072

    Beidh toirmeasc ar fhoclaíocht sna teachtaireachtaí fógraíochta agus margaíochta sin lena bhféadfar ionchais bhréagacha a chruthú do thomhaltóir maidir le hinfhaighteacht nó costas creidmheasa nó an méid iomlán is iníoctha ag an tomhaltóir.

    Wording in such advertising and marketing communications that may create false expectations for a consumer regarding the availability or the cost of credit or the total amount payable by the consumer shall be prohibited.

    Directive (EU) 2023/2225 of the European Parliament and of the Council of 18 October 2023 on credit agreements for consumers and repealing Directive 2008/48/EC

  9. #2939141

    sampla ionadaíoch ina léirítear ráta céatadánach bliantúil an mhuirir agus an méid iomlán is iníoctha ag an tomhaltóir, a léirítear trí shampla ionadaíoch ina luaitear na toimhdí uile a úsáideadh chun an ráta sin a ríomh; i gcás ina mbeidh an creidiúnaí curtha ar an eolas ag an tomhaltóir faoi chomhpháirt amháin nó níos mó dá chreidmheas tosaíochta nó dá creidmheas tosaíochta, mar shampla fad an chomhaontaithe creidmheasa agus an méid iomlán creidmheasa, cuirfidh an creidiúnaí na comhpháirteanna sin san áireamh;

    a representative example illustrating the annual percentage rate of charge and the total amount payable by the consumer, referring to all of the assumptions used in order to calculate that rate; where the consumer has informed the creditor of one or more components of his or her preferred credit, such as the duration of the credit agreement and the total amount of credit, the creditor shall take those components into account;

    Directive (EU) 2023/2225 of the European Parliament and of the Council of 18 October 2023 on credit agreements for consumers and repealing Directive 2008/48/EC

  10. #2939308

    ráta céatadánach bliantúil an mhuirir agus an méid iomlán is iníoctha ag an tomhaltóir, a ríomhtar tráth a thugtar an comhaontú creidmheasa i gcrích agus léiriú ar na toimhdí uile a úsáidtear sa ríomh sin;

    the annual percentage rate of charge and the total amount payable by the consumer, calculated at the time the credit agreement is concluded and an indication of all assumptions used in that calculation;

    Directive (EU) 2023/2225 of the European Parliament and of the Council of 18 October 2023 on credit agreements for consumers and repealing Directive 2008/48/EC

  11. #2939508

    Ní cheanglófar ar chreidiúnaithe measúnú acmhainneachta creidmheasa a dhéanamh i gcomhréir le hAirteagal 18 nuair a bheidh téarmaí agus coinníollacha comhaontaithe creidmheasa atá ann cheana á modhnú i gcomhréir leis an tríú fomhír, pointe (b), den mhír seo, ar choinníoll nach méadófar go suntasach an méid iomlán is iníoctha ag an tomhaltóir agus an comhaontú creidmheasa á mhodhnú.

    Creditors shall not be required to perform a creditworthiness assessment in accordance with Article 18 when modifying the existing terms and conditions of a credit agreement in accordance with the third subparagraph, point (b) of this paragraph, provided that the total amount payable by the consumer is not significantly increased when modifying the credit agreement.

    Directive (EU) 2023/2225 of the European Parliament and of the Council of 18 October 2023 on credit agreements for consumers and repealing Directive 2008/48/EC