{"id":6791,"date":"2026-04-07T07:28:17","date_gmt":"2026-04-07T06:28:17","guid":{"rendered":"https:\/\/www.credafin.be\/borrow\/can-the-lender-change-the-terms-of-the-credit-agreement"},"modified":"2026-04-07T07:28:17","modified_gmt":"2026-04-07T06:28:17","slug":"can-the-lender-change-the-terms-of-the-credit-agreement","status":"publish","type":"post","link":"https:\/\/www.credafin.be\/en\/borrow\/can-the-lender-change-the-terms-of-the-credit-agreement","title":{"rendered":"Can the Lender Change the Terms of the Credit Agreement?"},"content":{"rendered":"<p style=\"text-align: justify\"><strong>Any clause allowing the lender to unilaterally change the terms of the credit agreement is generally prohibited. However, there are two possible exceptions to this rule:<\/strong><\/p>\n<p style=\"text-align: justify\"><!--more--><\/p>\n<ul style=\"text-align: justify\">\n<li>The lender can unilaterally modify the costs and rates related to a cash withdrawal at an ATM. In such a case, the <a href=\"https:\/\/www.credafin.be\/en\/personal-loan\">personal loan<\/a> provider must notify the consumer of the change at least two months before it comes into effect.<\/li>\n<li>A unilateral change in the contract rate by the credit institution is possible. However, for these <span style=\"font-weight: 400\">contractual conditions to change, three criteria must be met:<\/span>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">The credit agreement must specify the ability not only to change the rate but also the conditions and procedures for adjusting it;<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">The decision to modify must <span style=\"font-weight: 400\">strictly<\/span> adhere to minimum rates;<\/span><\/li>\n<li><span style=\"font-weight: 400\">Notification of this change must be made in writing <span style=\"font-weight: 400\">to the consumer. Additionally, it must be communicated through any other durable medium like CD-ROM, hard drive, and more.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h2><\/h2>\n<h2 style=\"text-align: justify\">What can I do if the goods purchased with the credit do not work or are not delivered?<\/h2>\n<p style=\"text-align: justify\"><span style=\"font-weight: 400\">The repayment of <\/span><a href=\"https:\/\/www.credafin.be\/en\/personal-loan\"><span style=\"font-weight: 400\">the personal loan<\/span><\/a><span style=\"font-weight: 400\"> cannot proceed without the delivery of the goods bought on credit. The loan agreement, however, <\/span><span style=\"font-weight: 400\">specifies <\/span><span style=\"font-weight: 400\">whether the borrowed amount <\/span><span style=\"font-weight: 400\">is transmitted directly to the seller or the type of financed goods, such as a vehicle. A document in which you acknowledge receipt of the delivered goods is <\/span><span style=\"font-weight: 400\">necessarily<\/span> <span style=\"font-weight: 400\">dated and signed upon delivery. It is from this moment that you can start repaying the loan. In case of a malfunctioning item, it is declared non-compliant. In such a situation, you must file a complaint with the seller. If this defect <\/span><span style=\"font-weight: 400\">occurs <\/span><span style=\"font-weight: 400\">within two years or one year for a second-hand item, you can demand its replacement or repair without incurring additional fees.<\/span><\/p>\n<p> &nbsp; <\/p>\n<p style=\"text-align: justify\">During this period, the <a href=\"https:\/\/www.credafin.be\/en\/personal-loan\">personal loan<\/a> is still reimbursed into a blocked account opened for this purpose and not directly to the seller.<\/p>\n<p style=\"text-align: justify\"><span style=\"font-weight: 400\">If the seller does not respond favorably to your complaint by failing to repair. <\/span><span style=\"font-weight: 400\">Or if they do not replace <\/span><span style=\"font-weight: 400\">the defective goods, you are allowed to take action against the lending institution. The repayment of your credit <\/span><span style=\"font-weight: 400\">is necessarily suspended in this case.<\/span><\/p>\n<h3><\/h3>\n<h3 style=\"text-align: justify\">However, exercising such a recourse is subject to certain conditions:<\/h3>\n<ul style=\"text-align: justify\">\n<li>The seller has been formally requested to deliver goods compliant with the order. This must be done by registered mail;<\/li>\n<li>You must have notified the credit institution of the non-repayment of the personal loan if the seller does not perform within a month. You specify that the money for each installment will be paid into a blocked account. The funds can be released either by a judge&#8217;s decision or by mutual agreement.<\/li>\n<\/ul>\n<p> &nbsp; <\/p>\n<p style=\"text-align: justify\"><span style=\"font-weight: 400\">You cancel the sale entirely if you cannot find a solution with the seller. Such a situation automatically leads <\/span><span style=\"font-weight: 400\">to the dissolution <\/span><span style=\"font-weight: 400\">of the personal loan sought for purchasing the chosen item.<\/span><\/p>\n<p> &nbsp; <\/p>\n<p style=\"text-align: center\"><strong>For further information, <a href=\"https:\/\/www.credafin.be\/en\/contact-us\">do not hesitate to contact us<\/a>! <a href=\"https:\/\/www.credafin.be\/en\/credafin-loans\">Simulate a loan online<\/a>!<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Discover if lenders can legally change credit agreement and learn your rights\u2014take action now to safeguard your interests!<\/p>\n","protected":false},"author":22,"featured_media":4494,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"change credit agreement","_yoast_wpseo_title":"Can the Lender Change the Terms of the Credit Agreement? | Credafin","_yoast_wpseo_metadesc":"Learn how lenders can or cannot change credit agreement. Protect your rights now and secure your loan!","_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"https:\/\/www.credafin.be\/en\/borrow\/can-the-lender-change-the-terms-of-the-credit-agreement","_yoast_wpseo_focuskw_text":"change credit agreement","_yoast_wpseo_schema":"Article","footnotes":""},"categories":[68],"tags":[],"class_list":["post-6791","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-borrow"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Can the Lender Change the Terms of the Credit Agreement? | Credafin<\/title>\n<meta name=\"description\" content=\"Learn how lenders can or cannot change credit agreement. 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