All categories of the brand new directory also reveal dysfunction is displayed during the Table step 3, lower than
The next statement is the Commission’s Study on the expense and you will Benefits of different Policy Choice to have Financial Credit (Eu Fee, 2009, find specifically Annex B: Court Summaries)
To test our very own head theory the directly to early cost will increase the pace spread between the banks’ borrowing price and you can credit costs into the a very specialized trends, i earliest created a consumer protection directory. The fresh new index classifies nations according to sort of compensation, if any, you to definitely people must pay on their loan providers when they propose to pay-off the mortgage loans before the contractual deadline.