Exemptions for real-estate consumer credit agreements

Section 63(10) and (12) as well as section 64(3), (4) and (8) do not apply to real-estate consumer credit agreements that are linked to the precondition that the consumer is provided with an investment service in relation to covered bonds issued to secure the financing of the credit and based on the same terms as the real-estate consumer credit agreement, and where this makes it possible for the loan to be paid out, refinanced or redeemed.