Local view for "http://purl.org/linkedpolitics/eu/plenary/2008-01-16-Speech-3-183"
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"en.20080116.9.3-183"2
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".
I voted in favour of the report proposing the harmonisation of the laws of the Member States on consumer credit.
Although European households already have the ability to take out bank loans abroad to buy consumer goods, few use it. Problems of language, distance and lack of confidence are the biggest obstacles.
The new directive will increase the transparency of the market for the benefit of consumers for credit of between 200 and 75 000 euros. Consumers will have the information they need to choose in full knowledge of the facts, if they decide to buy across borders.
In the case of credit offers, the information given to consumers will be contained in a new European credit information form. Consumers will also eventually benefit from a single annual percentage rate comparable throughout the EU.
The directive will give consumers good quality basic information that is easy to compare. The right of withdrawal and the right of early repayment without paying excessive costs, as well as the transparent presentation of their rights and obligations, will give them the confidence necessary to compare prices."@en1
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