Guideline 5: Allowance for the consumer’s committed and other non-discretionary expenditures

5.1 When assessing the consumer’s ability to meet obligations under the credit agreement, the creditor should make reasonable allowances for committed and other non-discretionary expenditures, such as the consumer‘s actual obligations, including appropriate substantiation and consideration of the living expenses of the consumer.

1. Forbhreathnú

1.1 Tagairtí

1.2 Ceanglais aitheanta

1.3 Caighdeáin ghaolmhara

2. Ceanglais aitheanta

3. Caighdeáin ghaolmhara

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