Total cost of the credit to the consumer

Defined in Article 4, Mortgage Credit Directive

Definitions over time (2)

1. 01/01/2018 – today applies on 12/11/2026 Article 4, Mortgage Credit Directive Scope: Whole act

   For the purposes of this Directive, the following definitions shall apply:

   ‘Total cost of the credit to the consumer’ means the total cost of the credit to the consumer as defined in point (g) of Article 3 of Directive 2008/48/EC including the cost of valuation of property where such valuation is necessary to obtain the credit but excluding registration fees for the transfer of ownership of the immovable property. It excludes any charges payable by the consumer for non-compliance with the commitments laid down in the credit agreement.

2. 28/02/2014 – 20/03/2014 Article 4, Mortgage Credit Directive Scope: Whole act

   For the purposes of this Directive, the following definitions shall apply:

   ‘Total cost of the credit to the consumer’ means the total cost of the credit to the consumer as defined in point (g) of Article 3 of Directive 2008/48/EC including the cost of valuation of property where such valuation is necessary to obtain the credit but excluding registration fees for the transfer of ownership of the immovable property. It excludes any charges payable by the consumer for non-compliance with the commitments laid down in the credit agreement.

Used in (11 places in 7 provisions on 12/11/2026)

Mortgage Credit Directive (11 in 7)

Recital 50² · Article 4³ · Article 11 · Article 13² · Article 17 · Article 25 · Annex II