Harmonisation of Cost Elements of the Annual Percentage Rate of Charge, APR (1998) Project No.: AO-2600/97/000169 for DG SANCO presented by Prof. Dr. jur. Udo Reifner, iff in collaboration with Marcus Wüst (Dipl.-Math.) Leo Haidar (Leeds, UK) Carole Bonhomme (Reims, France) Harmonisation of Cost Elements of the Annual Percentage Rate of Charge, APR I. Aims of the study A. The Purpose and Object of the Study B. The Discussion on Cost Elements C. The Tools of Analysis: Mathematical, Legal and Economic Approaches II. The Legal Analysis A. The Philosophy of the Directive B. The Interpretation of the Directive as far as cost elements are concerned C. Implementation into National Legislation: Conclusions III. Economic Analysis of the Efficiency of the Directive A. Cost Elements in Consumer Credit Contracts – General Observations B. Insurance Fees C. Endowment Policy Life Insurance D. Credit Cards E. Bank Account Fees F. Taxes, registration fees G. Colourable Cash Price H. Default charges and early repayment ID: 25394 Author(s): Reifner, Udo; Wüst, Marcus; Haidar, Leo; Bonhomme, Carole Publication date: 17/03/98     APR EU Expertise of iff on the Harmonisation of Cost Elements (601930 Bytes)

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