fwp partner Gregor Schett, management consultant Waltraut Kotschy and Court Judge of the Austrian Supreme Court and consultant for commercial & corporate law Wilma Dehn, provides detailed information on the legal basis as well as on the differences between the VKrG and the HIKrG and give helpful tips for the practical procedure when granting loans as well as for the drafting of contracts.
Including case law on special topics such as fees, early repayment penalties, interest on arrears and reminder fees, joint loans, foreign currency loans, minimum interest rates and negative interest rates.

Content

• Loan law in the ABGB
• The Consumer Credit Act and the Mortgage and Real Estate Credit Act
• The broad scope of the VKrG and the HIKrG
• Content of offers, form and mandatory content of the contract
• Right of withdrawal of the consumer etc.
• Current jurisprudence OGH and EuGH
• Data protection
• Creditworthiness data = personal data
• The new legal situation under the GDPR
• Data protection issues regarding creditworthiness checks with the help of creditworthiness databases

Program and registration