Information_Disclosure_8954

							Form № 1 The information about consumer’ expenses on consumer credit* (valid from __.__.200__ till __.__.200__). Name of the credit organization, registration number ________________________________________________________________________________________________________ Place of residence _________________________________________________________________________________________ Contact telephone _________________________________________________________________________________________ WEB-site of the credit organization ___________________________________________________________________________ Credit category ___________________________________________________________________________________________ Minimum (maximum) consumer credit amount _________________________________________________________________ Minimum (maximum) consumer credit period __________________________________________________________________
Interest rate (% per year) Extraordinary commissions and other extraordinary payments (in credit currency or % of total amount)** Commissions and other payments to be paid repeatedly during stated periods, for example per month, quarter, year (in credit currency or % of total amount)** Conditions of advanced credit repayment
Grounds for imposing of forfeit (fine, penalty) Amount of forfeit (fine, penalty) )

Banking cards servicing tariffs***

Kinds of payments to third parties, connected with granting, drawing up and repayment of a consumer credit****

Other credit expenses of the consumer

To be filled in the presence
1 2

To be filled in the presence
3 4 5 6 7

To be filled in the presence
8

To be filled in the presence
9

* To be filled for every credit category separately; ** To be indicated the kind of the amount to be charged in %: remaining debt, initial amount of the credit or in some other way; *** To be filled if the credit is granted with the use of banking cards; **** To be indicated the payments that the consumer can mak,e including on creditor’ request .

Form № 2 Schedule of payments on the consumer credit
(in credit currency)
Credit amount ______________________________ Credit period _______________________________ Interest rate on credit agreement_______________________ Principal credit amount and interest rate on credit agreementу _________________ Total amount of credit payments _______________________________________ Calculated interest rate (% per year)* _____________________________________

Date of payment

Amount of payment**

Payment for calculated period including Interest rate (%)** Repayment of principal amount of the credit To be filled in the presence

Remaining debt on credit Commissions and other payments To be filled in the presence
5 6

1

2

3

4

… … … … TOTAL:

CF1 CF2 … CFn …

… … … …

… … … …

… … … …

CK … … … 0

* Calculated interest rate, % per year = n х IRRcalculatedperiod/credit period in years, where IRRcalculatedperiod is that: CF1 CF 2 CFn   ...   CK , 2 (1  IRRcalculated ) (1  IRRcalculated ) (1  IRRcalculated )n period period period where CF1, CF 2...CFn - payments for calculated period (sum of columns 3+4+5), n – number of calculated periods, СК – amount of credit ** To be filled if the credit interest rate is fixed. If the interest rate is floating, a consumer is to be informed about the peculiarities of its determination.