Articles 11 and 14 and Annex II to credit agreem
ents for consumers, secured by a mortgage or by another comparable security commonly used in a Member S
tate on residential immovable property or secured by a right related to residential
immovable property, the purpose of which is not to acquire or retain the right to residential
immovable property, provided that the Member States apply to such credit agreements A
...[+++]rticles 4 and 5 of and Annexes II and III to Directive 2008/48/EC;