#2939051
ciallaíonn ‘comhaontú creidmheasa nasctha’ comhaontú creidmheasa inarb amhlaidh:
‘linked credit agreement’ means a credit agreement where:
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#2003559
Dá bhrí sin, ní chumhdaítear leis an Treoir seo ceannaitheoirí creidmheasa agus iad ag gníomhú i gcaitheamh a gceirde, a ngnó nó a ngairme nuair a fhaigheann siad comhaontú creidmheasa ach i gcás inar comhaontú creidmheasa neamhthuillmheach é an comhaontú creidmheasa sin.
Therefore, this Directive covers credit purchasers acting in the course of their trade, business or profession when they acquire a credit agreement only where that credit agreement is a non-performing credit agreement.
#2003763
ciallaíonn “comhaontú creidmheasa neamhthuillmheach” comhaontú creidmheasa a aicmítear mar risíocht neamhthuillmheach i gcomhréir le hAirteagal 47a de Rialachán (AE) Uimh. 575/2013.
‘non-performing credit agreement’ means a credit agreement that is classified as a non-performing exposure in accordance with Article 47a of Regulation (EU) No 575/2013.
#2004132
Cearta an chreidiúnaí nó an comhaontú creidmheasa féin a shannadh
Assignment of the creditor’s rights or of the credit agreement itself
#2939177
na coinníollacha agus an nós imeachta chun an comhaontú creidmheasa a fhoirceannadh;
the conditions and procedure for terminating the credit agreement;
#2939325
an nós imeachta atá le leanúint agus an ceart chun an comhaontú creidmheasa a fhoirceannadh;
the procedure to be followed in exercising the right of termination of the credit agreement;
#2939401
ón lá a thugtar an comhaontú creidmheasa i gcrích; nó
from the day of the conclusion of the credit agreement; or
#2939478
comhaontú creidmheasa a fhorghníomhú.
executing a credit agreement.
#2939804
[Na costais is infheidhme ón tráth a thugtar an comhaontú creidmheasa i gcrích]
[The costs applicable from the time the credit agreement is concluded]
#2939805
An comhaontú creidmheasa a fhoirceannadh
Termination of the credit agreement
#2939806
[Na coinníollacha agus an nós imeachta chun an comhaontú creidmheasa a fhoirceannadh]
[The conditions and procedure for terminating the credit agreement]
#2939848
I gcás comhaontú creidmheasa neamhiata, seachas saoráid rótharraingthe, glacfar leis:
In the case of an open-end credit agreement, other than an overdraft facility, it shall be assumed that:
#2997589
Soláthróidh institiúidí creidmheasa an fhaisnéis seo a leanas do cheannaitheoirí ionchasacha maidir le gach comhaontú creidmheasa:
Credit institutions shall provide prospective buyers with the following information on each credit agreement:
#2997591
comhaontú creidmheasa, mar a leagtar amach i dTeimpléad 3 d’Iarscríbhinn I;
credit agreement, as set out in Template 3 of Annex I;
#2003690
Is amhlaidh an cás go háirithe i ndáil le comhaontuithe creidmheasa tomhaltóirí fadtéarmacha a thagann faoi raon feidhme Threoir 2014/17/AE, i dtaca le ceart an tomhaltóra oibleagáidí an tomhaltóra faoi chomhaontú creidmheasa a urscaoileadh go hiomlán nó go páirteach sula dtéann an comhaontú creidmheasa sin in éag nó a bheith curtha ar an eolas trí bhíthin na Bileoige Faisnéise Caighdeánaithe Eorpaí, i gcás inarb iomchuí, go bhféadfaí comhaontú creidmheasa a aistriú chuig ceannaitheoir creidmheasa.
That is notably the case in relation to long-term consumer credit agreements falling within the scope of Directive 2014/17/EU, in respect of the right of the consumer to discharge fully or partially the consumer’s obligations under a credit agreement prior to the expiry of that credit agreement or to be informed by means of the European Standardised Information Sheet, where applicable, on the possible transfer of the credit agreement to a credit purchaser.
#2939044
ciallaíonn ‘faisnéis réamhchonarthach’ an fhaisnéis a sholáthraítear sula mbeidh an tomhaltóir faoi cheangal ag comhaontú creidmheasa nó, i gcás inarb infheidhme, trí thairiscint cheangailteach a thíolacadh agus atá de dhíth ar an tomhaltóir chun bheith in ann tairiscintí creidmheasa éagsúla a chur i gcomparáid le chéile agus cinneadh eolach a dhéanamh i dtaobh an dtabharfaidh sé nó sí an comhaontú creidmheasa i gcrích;
‘pre-contractual information’ means the information which is provided before the consumer is bound by a credit agreement or, where applicable, by the submission of a binding offer and which the consumer needs in order to be able to compare different credit offers and take an informed decision on whether to conclude the credit agreement;
#2939046
ciallaíonn ‘cleachtas nasctha’ comhaontú creidmheasa a thairiscint nó a dheonú i bpacáiste le táirgí airgeadais ar leith eile nó seirbhísí airgeadais ar leith eile i gcás nach gcuirtear an comhaontú creidmheasa ar fáil don tomhaltóir ar leithligh;
‘tying practice’ means the offering or the selling of a credit agreement in a package with other distinct financial products or services where the credit agreement is not made available to the consumer separately;
#2939047
ciallaíonn ‘cleachtas cuachta’ comhaontú creidmheasa a thairiscint nó a dhíol i bpacáiste le táirgí airgeadais ar leith eile nó seirbhísí ar leith eile i gcás ina gcuirtear an comhaontú creidmheasa ar fáil freisin don tomhaltóir ar leithligh ach ní gá go ndéantar sin ar na téarmaí ná na coinníollacha céanna atá ann nuair a thairgtear iad cuachta leis na táirgí nó seirbhísí eile sin;
‘bundling practice’ means the offering or the selling of a credit agreement in a package with other distinct financial products or services where the credit agreement is also made available to the consumer separately but not necessarily on the same terms or conditions as when offered bundled with those other products or services;
#2939269
Áiritheoidh na Ballstáit, i gcás ina ndéanfaidh creidiúnaí comhaontú creidmheasa a thabhairt i gcrích le tomhaltóir, nach ndéanfaidh an creidiúnaí an comhaontú creidmheasa a chur ar ceal ná a mhodhnú ar dhóigh a ndéanfadh dochar don tomhaltóir ar na forais nach ndearnadh an measúnú acmhainneachta creidmheasa i gceart.
Member States shall ensure that, where a creditor concludes a credit agreement with a consumer, the creditor shall not subsequently cancel or modify the credit agreement to the detriment of the consumer on the grounds that the assessment of creditworthiness was incorrectly conducted.
#2939853
Chun críocha an phointe sin, is é is comhaontú creidmheasa neamhiata ann comhaontú creidmheasa gan fad seasta agus lena n-áirítear creidmheasanna nach mór a aisíoc go hiomlán laistigh de thréimhse nó ina diaidh ach, nuair a aisíoctar iad, tagann siad chun bheith ar fáil arís lena dtarraingt anuas.
For the purposes of this point, an open-end credit agreement is a credit agreement without a fixed duration and includes credits that must be repaid in full within or after a period but, once repaid, become available to be drawn down again.
#2997586
is comhaontú creidmheasa é ‘comhaontú creidmheasa neamhthuillmheach’ mar a shainítear in Airteagal 3, pointe (13) de Threoir (AE) 2021/2167 a aicmítear mar neamhchosaint neamhthuillmheach i gcomhréir le hAirteagal 47a (3), pointí (a), (b) agus (c) de Rialachán (AE) Uimh. 575/2013;
‘non-performing credit agreement’ is a credit agreement as defined in Article 3, point (13), of Directive (EU) 2021/2167 which is classified as a non-performing exposure in accordance with Article 47a (3), points (a), (b) and (c) of Regulation (EU) No 575/2013;
#586412
tá an gealltán nó an sannadh éifeachtach agus inchurtha i bhfeidhm go dlíthiúil an tráth a chuirfear an comhaontú creidmheasa i gcrích;
the pledge or assignment is legally effective and enforceable in all jurisdictions which are relevant at the time of the conclusion of the credit agreement;
#586428
tá conradh na cosainta creidmheasa éifeachtach agus inchurtha i bhfeidhm go dlíthiúil i ngach dlínse is iomchuí tráth an comhaontú creidmheasa a thabhairt i gcrích.
the credit protection contract is legally effective and enforceable in all jurisdictions which are relevant at the time of the conclusion of the credit agreement.
#1339479
Déanfar gach Creidmheas Gníomhaíochta Speisialta a fhianú le comhaontú creidmheasa ar leith idir an tír is iasachtaí agus an Riarthóir agus léireofar go háirithe foinse na n-achmhainní.
Each Special Action Credit shall be evidenced by a separate credit agreement between the borrowing country and the Administrator, indicating in particular the origin of the resources. [GA]
#2003542
Thairis sin, leis an Treoir seo, cumhdaítear cearta creidiúnaí faoi chomhaontú creidmheasa neamhthuillmheach agus an comhaontú creidmheasa neamhthuillmheach féin.
Moreover, this Directive covers both a creditor’s rights under a non-performing credit agreement and the non-performing credit agreement itself.
#2003749
ciallaíonn “iasachtaí” duine dlítheanach nó nádúrtha a thug comhaontú creidmheasa i gcrích le hinstitiúid creidmheasa, lena n-áirítear a comharba dlíthiúil nó a sannaí;
‘borrower’ means a legal or natural person who has concluded a credit agreement with a credit institution, including its legal successor or assignee;
#2557468
I gcás ina ndéantar tagairt le “comhaontú creidmheasa” do chomhaontú trína ndeonaíonn infheisteoir creidmheas d’úinéir tionscadail i bhfoirm iasachta le haghaidh tionscadal sluachistiúcháin sonrach, beidh feidhm ag na sainmhínithe seo a leanas:
When ‘credit agreement’ refers to an agreement whereby an investor grants to a project owner credit in the form of a loan for a specific crowdfunding project, the following definitions shall apply:
#2557470
ciallaíonn “comhaontú creidmheasa” comhaontú trína ndeonaíonn infheisteoir creidmheas d’úinéir tionscadail i bhfoirm iasachta le haghaidh tionscadal sluachistiúcháin sonrach.
a ‘credit agreement’ means an agreement whereby an investor grants to a project owner credit in the form of a loan for a specific crowdfunding project.
#2938684
Ní hionann sin agus cosc a chur ar thomhaltóirí a bhfuil deacracht íocaíochta acu comhaontú creidmheasa nua a fháil a chabhródh leo a gcreidmheas tosaigh a aisíoc ar bhealach níos éasca.
This is not to prevent consumers in payment difficulty to get a new credit agreement that would help them to repay their initial credit more easily.
#2938757
Ba cheart faisnéis chuimsitheach a thabhairt do thomhaltóirí sula dtabharfaidh siad comhaontú creidmheasa chun críche, is cuma cé acu atá nó nach bhfuil idirghabhálaí creidmheasa páirteach i margú an chreidmheasa.
Consumers should be given comprehensive information before they conclude a credit agreement, regardless of whether or not a credit intermediary is involved in the marketing of the credit.
#2938808
Tá sé fíor-riachtanach go ndéantar measúnú agus fíorú ar chumas agus ar chlaonadh an tomhaltóra an creidmheas a aisíoc sula dtugtar comhaontú creidmheasa i gcrích.
It is essential that the consumer’s ability and propensity to repay the credit is assessed and verified before a credit agreement is concluded.
#2938845
Chun trédhearcacht iomlán a áirithiú, ba cheart faisnéis a sholáthar don tomhaltóir maidir leis an ráta iasachta, ag an gcéim réamhchonarthach agus nuair a thugtar an comhaontú creidmheasa i gcrích.
In order to ensure full transparency, the consumer should be provided with information concerning the borrowing rate, both at the pre-contractual stage and when the credit agreement is concluded.
#2938861
I gcás comhaontuithe creidmheasa nasctha, is ann do chaidreamh idirthuilleamaíochta idir ceannach earraí nó seirbhísí agus an comhaontú creidmheasa a thugtar i gcrích chun na críche sin.
In the case of linked credit agreements, a relationship of interdependence exists between the purchase of goods or services and the credit agreement concluded for that purpose.
#2938868
Leis an Treoir seo níor cheart difear a dhéanamh do dhlí náisiúnta na gconarthaí lena rialáiltear cearta na bpáirtithe conarthacha an comhaontú creidmheasa a fhoirceannadh ar bhonn sárú conartha.
This Directive should not affect national contract law regulating the rights of the contracting parties to terminate the credit agreement on the basis of a breach of contract.
#2938937
Ba cheart an tomhaltóir a chur ar an eolas go cuí freisin nuair a shanntar an comhaontú creidmheasa do thríú páirtí.
The consumer should also be properly informed when the credit agreement is assigned to a third party.
#2939049
ciallaíonn ‘saoráid rótharraingthe’ comhaontú creidmheasa sainráite trína gcuireann creidiúnaí cistí ar fáil do thomhaltóir is mó ná an t-iarmhéid reatha i gcuntas reatha an tomhaltóra;
‘overdraft facility’ means an explicit credit agreement whereby a creditor makes available to a consumer funds which exceed the current balance in the consumer’s current account;
#2939107
léiriú ar chostais bhreise a d’fhéadfadh a bheith ann, nach bhfuil ar áireamh i gcostas iomlán an chreidmheasa don tomhaltóir, a bheidh le híoc i dtaca le comhaontú creidmheasa;
an indication of possible further costs, not included in the total cost of the credit to the consumer, to be paid in connection with a credit agreement;
#2939190
Cuirfear mínithe den sórt sin ar fáil saor in aisce agus sula dtabharfar an comhaontú creidmheasa i gcrích.
Such explanations shall be provided free of charge and before concluding the credit agreement.
#2939256
Ceanglóidh na Ballstáit go ndéanfaidh an creidiúnaí measúnú críochnúil ar acmhainneacht creidmheasa an tomhaltóra sula dtabharfar comhaontú creidmheasa i gcrích.
Member States shall require that, before concluding a credit agreement, the creditor carry out a thorough assessment of the consumer’s creditworthiness.
#2939322
i gcás inarb infheidhme, an fhaisnéis maidir le comhaontú creidmheasa neamhiata a fhoirceannadh dá dtagraítear in Airteagal 28(1), an dara fomhír, agus in Airteagal 28(2);
where applicable, the information on the termination of an open-end credit agreement referred to in Article 28(1), second subparagraph, and Article 28(2);
#2939487
Féadfaidh na Ballstáit toirmeasc nó srianta a fhorchur ar íocaíochtaí ó thomhaltóir le creidiúnaí nó idirghabhálaí creidmheasa sula ndéanfar comhaontú creidmheasa a thabhairt i gcrích.
Member States may prohibit or impose restrictions on the payments from a consumer to a creditor or a credit intermediary prior to the conclusion of a credit agreement.
#2939548
teacht ar chomhaontú leis an tomhaltóir maidir le haon táille dá dtagraítear i bpointe (b) ar pháipéar nó ar mheán marthanach eile sula dtugtar an comhaontú creidmheasa i gcrích;
reach an agreement with the consumer on any fees referred to in point (b) on paper or another durable medium before the conclusion of the credit agreement;
#2939760
Tá feidhm ag an bhforáil seo má tá an creidiúnaí toilteanach, tráth d’iarrata, dul ar aghaidh chun an comhaontú creidmheasa a thabhairt i gcrích leat.
This provision applies if the creditor is willing, at the time of your request, to proceed to the conclusion of the credit agreement with you.
#2939843
I gcás ina dtabharfar saoirse tarraingthe anuas don tomhaltóir le comhaontú creidmheasa measfar an méid iomlán creidmheasa a bheith tarraingthe anuas láithreach agus go hiomlán.
Where a credit agreement gives the consumer freedom of drawdown, the total amount of credit shall be deemed to be drawn down immediately and in full.
#2942866
Sa chomhthéacs sin, ba cheart cuntas coigiltis tithíochta agus comhaontú creidmheasa tomhaltóra a mheas mar sheirbhísí airgeadais.
In this context, a housing savings account and a consumer credit agreement should be considered to be financial services.
#2997582
ciallaíonn ‘ceannaitheoir’ ceannaitheoir creidmheasa, nó institiúid creidmheasa a fhaigheann comhaontú creidmheasa neamhthuillmheach in idirbheart le hinstitiúid creidmheasa eile;
‘buyer’ means a credit purchaser, or a credit institution that receives a non-performing credit agreement in a transaction with another credit institution;
#230785
Le comhaontú creidmheasa i scríbhinn dar dáta an lá de 19 , a rinneadh idir an Gearánaí de pháirt agus an Cosantóir *(céadainmnithe) den pháirt eile, dheonaigh an Gearánaí don Chosantóir *(céadainmnithe) creidmheas i bhfoirm sonraigh (a) íocaíocht iarchurtha (b) iasacht airgid (c) garacht airgeadais eile go feadh méid £ ab iníoctha mar a leanas:?
By credit agreement in writing dated day of 19 , and made between the Plaintiff of the one part and the *(first-named) Defendant of the other part, the Plaintiff granted to the *(first-named) Defendant a credit in the form of specify (a) a deferred payment (b) a cash loan (c) other financial accommodation to the amount of £ repayable as follows:?
#586340
beidh morgáiste nó muirear inchurtha i bhfeidhm i ngach dlínse a bheidh iomchuí an tráth a chuirfear an comhaontú creidmheasa i gcrích agus déanfar é a chomhdú mar is cuí ar bhonn tráthúil;
a mortgage or charge is enforceable in all jurisdictions which are relevant at the time of the conclusion of the credit agreement and shall be properly filed on a timely basis;
#712757
“I gcás ina ndéanann an comhaontú creidmheasa tagairt do thagarmharc faoi mar a shainmhínítear é i bpointe 3 d'Airteagal 3(1) de Rialachán (AE) 2016/1011 ó Pharlaimint na hEorpa agus ón gComhairle, déanfaidh an creidiúnóir, nó i gcás inarb infheidhme, an t-idirmheánaí creidmheasa, ainm an tagarmhairc agus a riarthóra mar aon leis na himpleachtaí féideartha ar an tomhaltóir a sholáthar don tomhaltóir i ndoiciméad ar leithligh, a fhéadfar a chur i gceangal mar iarscríbhinn leis an bhfoirm don Fhaisnéis Chaighdeánach Eorpach um Chreidmheas Tomhaltóra.(2) In Airteagal 27(1), cuirtear an fhomhír seo a leanas isteach tar éis an dara fomhír:
‘Where the credit agreement references a benchmark as defined in point 3 of Article 3(1) of Regulation (EU) 2016/1011 of the European Parliament and of the Council, the name of the benchmark and of its administrator and the potential implications on the consumer shall be provided by the creditor, or where applicable, by the credit intermediary, to the consumer in a separate document, which may be annexed to the Standard European Consumer Credit Information form.(2) In Article 27(1), the following subparagraph is inserted after the second subparagraph:
#1787612
tráth a tugadh an comhaontú creidmheasa i gcrích, nó gar don tráth sin, rinne an t-oibleagáideoir íocaíochtaí príomhshuime nó úis ar oibleagáid fiachais eile leis an institiúid chéanna, ar oibleagáid í a bhí thar téarma níos faide ná 30 lá uair amháin ar a laghad le linn na dtrí mhí sular deonaíodh an fiachas nua;
at or close to the time of concluding the credit agreement, the obligor made payments of principal or interest on another debt obligation with the same institution that was past due by 30 days at least once during the three months prior to the granting of new debt;