1. In good time before the consumer becomes bound by any credit agreement or offer concerning a credit agreement as referred to in Article 2(3), (5) or (6), the creditor and, where applicable, the credit intermediary shall, on the basis of the credit terms and conditions offered by the creditor and, if applicable, the preferences expressed and information supplied by the consumer, provide the consumer with the information needed to compare different offers in order to take an informed decision on whether to conclude a credit agreement.
The information in question shall specify:
(a) the type of credit;
(b) the identity and geographical address of the creditor as well as, if applicable, the identity and geographical address of the credit intermediary involved;
(c) the total amount of credit;
(d) the duration of the credit agreement;
(e) the borrowing rate; the conditions governing the application of that rate, any index or reference rate applicable to the initial borrowing rate, the char
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