Algemene Directie Economische Reglementering. - Bericht, de 13 octobre 2020
Artikel M.
Algemene Directie Economische Reglementering. - Bericht
Consumentenkrediet - Maximale jaarlijkse kostenpercentages (JKP's) - Koninklijk besluit van 14 september 2016 betreffende de kosten, de percentages, de duur en de terugbetalingsmodaliteiten van kredietovereenkomsten onderworpen aan boek VII van het Wetboek van economisch recht en de vaststelling van referte-indexen voor de veranderlijke rentevoeten inzake hypothecaire kredieten en de hiermee gelijkgestelde consumentenkredieten, artikel 12.
De maximale JKP's die van toepassing zijn sinds 1 december 2019 wijzigen niet op 1 december 2020 na de zesmaandelijkse vergelijking van de referentie-indexen.
De referentie-indexen van september 2020 wijzigden immers niet met minstens 0,75 punten ten aanzien van de referentie-indexen die de voorgaande keer leidden tot een wijziging van de maximale JKP's.
De referentie-indexen, referentievoeten en maximale JKP's die van toepassing zijn sinds 1 december 2019 werden bekend gemaakt in het Belgisch Staatsblad van 10 oktober 2019. De maximale JKP's worden in de tabel hierna hernomen.
De maximale jaarlijkse kostenpercentages die van kracht zijn sinds 1 december 2019:
Kredietbedrag/ Montant du crédit |
Verkoop op afbetaling, lening op afbetaling en alle kredietovereenkomsten, behalve de financieringshuur, waarbij de betalingstermijnen en de termijnbedragen gedurende de looptijd doorgaans gelijk blijven/ Prêt à tempérament, vente à tempérament et tous les contrats de crédit, sauf le crédit-bail, pour lesquels les termes de paiement et les montants de terme restent généralement identiques pendant la durée du contrat |
Financieringshuur/ Crédit-bail | Kredietopening en alle overige kredietovereenkomsten met uitsluiting van deze bedoeld in de voorgaande kolommen van deze |
Pour continuer la lecture
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