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Installment Credit Agreement

Installment Credit Agreement Template for Netherlands

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Key Requirements PROMPT example:

Installment Credit Agreement

"I need an Installment Credit Agreement under Dutch law for providing consumer vehicle financing, with a maximum term of 60 months and including provisions for early repayment without penalties."

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Document background
The Installment Credit Agreement is a fundamental financial document used in the Netherlands when a lender provides credit to be repaid in regular installments over a set period. This document is essential for both consumer and business lending, structured to comply with Dutch financial regulations, including the Financial Supervision Act and Civil Code requirements. It should be used whenever credit is extended with a fixed repayment schedule, whether for personal loans, vehicle financing, or other credit facilities. The agreement includes mandatory consumer protection provisions, detailed payment terms, interest calculations, and rights of both parties. It requires careful consideration of Dutch consumer credit regulations, including mandatory cooling-off periods and information requirements, while also addressing credit registration obligations with the BKR (Bureau Krediet Registratie).
Suggested Sections

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

2. Background: Context of the credit agreement and purpose of the loan

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

4. Credit Amount and Purpose: Specification of the total credit amount, purpose of the credit, and any conditions for drawdown

5. Interest Rate and APR: Details of the interest rate, Annual Percentage Rate (APR), and calculation method

6. Installment Payments: Payment schedule, amount of installments, and payment methods

7. Term and Repayment: Duration of the credit agreement and total repayment terms

8. Security and Collateral: Any security or collateral required for the credit

9. Representations and Warranties: Statements and guarantees made by the borrower regarding their financial situation

10. Borrower's Rights: Statutory rights including right of withdrawal and early repayment rights

11. Events of Default: Circumstances constituting default and consequences

12. Data Protection: GDPR compliance and data processing provisions

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

Optional Sections

1. Insurance: Terms for optional credit-related insurance products

2. Co-signers: Terms applicable when there are guarantors or co-signers

3. Automatic Payment Authorization: Terms for automatic bank transfers if this payment method is chosen

4. Special Drawdown Conditions: For credits with specific drawdown requirements or multiple tranches

5. Linked Agreements: References to related agreements (e.g., security documents)

6. Special Termination Rights: Additional termination rights beyond statutory requirements

7. Assignment and Transfer: Terms for potential transfer or assignment of the credit agreement

Suggested Schedules

1. Schedule 1 - Repayment Schedule: Detailed amortization table showing all installment payments

2. Schedule 2 - Interest Calculation Method: Detailed explanation of interest calculation including examples

3. Schedule 3 - Fees and Charges: Complete overview of all applicable fees and charges

4. Appendix A - Standard European Consumer Credit Information: Mandatory pre-contractual information form as required by EU regulations

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

6. Appendix C - Right of Withdrawal Form: Standard form for exercising the 14-day right of withdrawal

7. Appendix D - Product Information Sheet: Summary of key credit terms and conditions in standardized format

Authors

Alex Denne

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

Linkedin in social icon imageX social icon image
alex.den.21@genieai.co
Relevant legal definitions
Agreement
Annual Percentage Rate (APR)
Applicable Law
Application
Authorized Bank Account
BKR
Borrower
Business Day
Collateral
Credit
Credit Amount
Credit Provider
Default Interest
Direct Debit
Drawing
Early Repayment
Event of Default
Final Repayment Date
Financial Statements
GDPR
Guarantee
Guarantor
Initial Drawing
Installment
Installment Date
Interest Period
Interest Rate
Late Payment Fee
Lender
Material Adverse Effect
Maturity Date
Party/Parties
Personal Data
Principal Amount
Processing Fee
Repayment Schedule
Right of Withdrawal
Security
Security Documents
Standard European Consumer Credit Information
Term
Total Amount Payable
Withdrawal Period
Relevant Industries

Banking & Financial Services

Consumer Finance

Retail

Automotive

Real Estate

Consumer Goods

Manufacturing

Technology

Education

Healthcare

Relevant Teams

Legal

Compliance

Finance

Risk Management

Credit Operations

Customer Service

Product Development

Collections

Operations

Sales

Underwriting

Relevant Roles

Credit Manager

Financial Services Officer

Legal Counsel

Compliance Officer

Risk Manager

Consumer Credit Specialist

Account Manager

Financial Controller

Credit Risk Analyst

Customer Service Representative

Operations Manager

Product Development Manager

Underwriter

Collections Manager

Industries
Dutch Civil Code (Burgerlijk Wetboek) - Book 7, Title 2A: Contains specific provisions regarding consumer credit agreements, including mandatory information requirements, right of withdrawal, and early repayment provisions
Financial Supervision Act (Wet op het financieel toezicht): Regulates financial services providers and credit institutions, including licensing requirements and conduct of business rules
Consumer Credit Directive (2008/48/EC) as implemented in Dutch law: European directive implemented in Dutch law governing consumer credit agreements, including standardized information requirements and calculation of APR
Dutch Civil Code - Book 6 (General Part of the Law of Obligations): Contains general contract law provisions including formation of contracts, validity, and remedies for breach
General Data Protection Regulation (GDPR/AVG): Regulations regarding the processing of personal data in credit agreements and related documentation
Dutch Money Laundering and Terrorist Financing Prevention Act (Wwft): Requirements for customer due diligence and transaction monitoring in financial services
Act on Credit Registration (Wet op het kredietregistratie): Regulations regarding credit registration and reporting to the Dutch Credit Registration Office (BKR)
Dutch Act on Unfair Commercial Practices (Wet oneerlijke handelspraktijken): Prohibits unfair commercial practices in consumer contracts, including credit agreements
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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