1. This Directive shall apply to credit agreements.
2. This Directive shall not apply to the following:
(a) credit agreements which are secured either by a mortgage or by another comparable security commonly used in a Member State on immovable property or secured by a right related to immovable property;
(b) credit agreements the purpose of which is to acquire or retain property rights in land or in an existing or projected building;
(c) credit agreements involving a total amount of credit less than EUR 200 or more than EUR 75 000;
(d) hiring or leasing agreements where an obligation to purchase the object of the agreement is not laid down either by the agreement itself or by any separate agreement; such an obligation shall be deemed to exist if it is so decided unilaterally by the creditor;
(e) credit agreements in the form of an overdraft facility and where the credit has to be repaid within one month;
(f) credit agreements where the credit is granted free of interest and without any
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