(20)The total cost of the credit to the consumer should comprise all the costs, including interest, commissions, taxes, fees for credit intermediaries and any other fees which the consumer has to pay in connection with the credit agreement, except for notarial costs. Creditors’ actual knowledge of the costs should be assessed objectively, taking into account the requirements of professional diligence.
◷
New version applies from 21/06/2008.
82 provisions change.
Later versions: 05/12/2011, 20/03/2014, 01/01/2018, 26/07/2019, 30/12/2023.
Recital 20 changes in this version: compare with the current text.