(1) The assessment of creditworthiness referred to in Regulation 19 shall be carried out on the basis of information on the consumer's income and expenses and other financial and economic circumstances which is necessary, sufficient and proportionate. The information shall be obtained by the creditor from relevant internal or external sources, including the consumer, and including information provided to the mortgage credit intermediary during the credit application process. The information shall be appropriately verified, including through reference to independently verifiable documentation when necessary.
(2) A mortgage credit intermediary shall accurately submit the necessary information obtained from the consumer to the relevant creditor to enable the creditworthiness assessment to be carried out.
(3) A creditor shall specify, in a clear and straightforward way at the precontractual phase, the necessary information and independently verifiable evidence that the consumer needs to pr
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