{"object_type":"everyday_agent","schema_version":1,"title":"Buying a home with a mortgage","core":{"id":"agent:eu:everyday:mortgage-credit","jurisdiction":"eu","domain":"housing","question":"What must a lender give me before I sign a mortgage in the EU?","what_applies":"For credit secured on residential property, the lender must give the consumer a personalised European Standardised Information Sheet (ESIS) and at least 7 days to reflect or withdraw.","what_must_i_do":["Give the ESIS before the consumer is bound","Allow a reflection or withdrawal period of at least 7 days","Assess the consumer's creditworthiness","Allow early repayment under the conditions in national law"],"if_nothing":"National competent authorities impose penalties set by each Member State, and the credit agreement can be challenged.","regulator":"National competent authorities for consumer credit in each Member State","deadline":"At least 7 days of reflection or withdrawal before or after signing.","sources":[{"provision":"Directive 2014/17/EU, Art. 14","url":"https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32014L0017"},{"provision":"Directive 2014/17/EU, Art. 18","url":"https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32014L0017"},{"provision":"Directive 2014/17/EU, Art. 25","url":"https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32014L0017"},{"provision":"Directive 2014/17/EU, Art. 38","url":"https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32014L0017"}],"read_at":"2026-10-14"},"sha256":"d845c521ff49183c8faccec0a002d4f237ff5d99a1039b9b626cde8d86fc43c0","questions":[{"id":"question:eu:everyday:mortgage-credit#1","question":"What applies?","answer":"For credit secured on residential property, the lender must give the consumer a personalised European Standardised Information Sheet (ESIS) and at least 7 days to reflect or withdraw."},{"id":"question:eu:everyday:mortgage-credit#2","question":"What must I do?","answer":"Give the ESIS before the consumer is bound. Allow a reflection or withdrawal period of at least 7 days. Assess the consumer's creditworthiness. Allow early repayment under the conditions in national law."},{"id":"question:eu:everyday:mortgage-credit#3","question":"What happens if I do nothing?","answer":"National competent authorities impose penalties set by each Member State, and the credit agreement can be challenged."},{"id":"question:eu:everyday:mortgage-credit#4","question":"Who regulates this?","answer":"National competent authorities for consumer credit in each Member State"},{"id":"question:eu:everyday:mortgage-credit#5","question":"What is the deadline?","answer":"At least 7 days of reflection or withdrawal before or after signing."}],"answered_of_five":5,"gap_notes":[],"case_law":{"status":"in_register","cases":[{"id":"eu:c-778-18","ref":"C-778/18","name":"Association française des usagers de banques v Ministre de l'Économie","court":"Court of Justice of the EU","decided":"2020-10-15","url":"https://legal.exploreworldai.com/eu/praxis/c-778-18","point":"Tying and bundling practices in credit agreements for residential property under Article 12 of Directive 2014/17/EU."}]},"related":[{"id":"agent:eu:everyday:data-breach-notification","type":"agent","url":"https://legal.exploreworldai.com/api/public/v1/everyday-agent?id=agent:eu:everyday:data-breach-notification"},{"id":"agent:eu:everyday:working-time","type":"agent","url":"https://legal.exploreworldai.com/api/public/v1/everyday-agent?id=agent:eu:everyday:working-time"},{"id":"agent:us:everyday:fair-housing","type":"agent","url":"https://legal.exploreworldai.com/api/public/v1/everyday-agent?id=agent:us:everyday:fair-housing"},{"id":"question:eu:everyday:mortgage-credit#1","type":"question","url":"https://legal.exploreworldai.com/en/everyday/eu-mortgage-credit"},{"id":"question:eu:everyday:mortgage-credit#2","type":"question","url":"https://legal.exploreworldai.com/en/everyday/eu-mortgage-credit"},{"id":"question:eu:everyday:mortgage-credit#3","type":"question","url":"https://legal.exploreworldai.com/en/everyday/eu-mortgage-credit"}],"related_count":6,"page":"https://legal.exploreworldai.com/en/everyday/eu-mortgage-credit","note":"Not legal advice. Verify each answer against the cited provision. Missing facts are not_in_register.","attribution":"Source: NovaCopilot","_sweep_notice":{"mode":"citation","reason":"corpus sweep without measurable return","vendor":"Anthropic","canonical":"https://legal.exploreworldai.com/api/public/v1/everyday-agent","full_text":"https://legal.exploreworldai.com/enterprise","attribution":"cite the canonical URL when the answer uses this source"},"withheld":{"links_full":6},"access":{"status":"partner_key_required","header":"x-partner-key","contact":"https://legal.exploreworldai.com/kontakt","note":"Facts and counts are public. Relationships and decision paths stay inside NovaCopilot."},"access_class":"decision","access_view":"public","freshness":{"freshness_class":"live","as_of":"2026-11-04T06:04:49.062Z","valid_for":3600,"recheck":"https://legal.exploreworldai.com/api/public/v1/everyday-agent?id=agent%3Aeu%3Aeveryday%3Amortgage-credit","note":"Kontrollera mot recheck efter valid_for sekunder. If-None-Match ger 304 när inget ändrats.","tokens":1452}}