Articles 11 and 14 and Annex II to credit agreements for consumers, secured by a mortgage or by another comparable security commonly used in a Member State 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 Articles 4 and 5 of and Annexes II and III to Directive 2008/48/EC;

It should therefore apply to credits secured by immovable property regardless of the purpose of the credit, refinancing agreements or other credit agreements that would help an owner or part owner continue to retain rights in immovable property or land and credits which are used to purchase an immovable property in some Member States including credits that do not require the reimbursement of the capital or, unless Member States have an adequate alternative framework in place, those whose purpose is to provide temporary financing between the sale of one immovable property and the purchase of another, and to secured credits for the renovat ...[+++]ion of residential immovable property .

(a) Articles 11 and 14 and Annex II to credit agreements for consumers, secured by a mortgage or by another comparable security commonly used in a Member State 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 Articles 4 and 5 of and Annexes II and III to Directive 2008/48/EC;

It should therefore apply to credits secured by immovable property regardless of the purpose of the credit, refinancing agreements or other credit agreements that would help an owner or part owner continue to retain rights in immovable property or land and credits which are used to purchase an immovable property in some Member States including credits that do not require the reimbursement of the capital or, unless Member States have an adequate alternative framework in place, those whose purpose is to provide temporary financing between the sale of one immovable property and the purchase of another, and to secured credits for the renovat ...[+++]ion of residential immovable property .

15. Recommends that it should be examined whether the legal nature of the timesharing contract can be defined as a consumer contract under Community law, so that the general rules of Community law for the protection of consumers apply and to prevent forum shopping, either by reference to the general place of jurisdiction for consumer law or the right of jurisdiction of the place in which the property is situated, calls on the Commission in this context to examine to what extent alternative conciliation mechanisms, such as those proposed by the Commission in its communication on widening consumer access to alternative dispute resolution (COM(2001) 161 final), can be established in order to assist ...[+++]the consumer in asserting his rights under this Directive;

The provisions of the common position may be summarized as follows: - Scope: distance contracts concerning goods or services except for those concerning financial services and those concluded; - by means of automatic vending machines or automated commercial premises; - with telecommunications operators through the use of public pay- phones; - for the construction and sale of immovable property and contracts relating to other immovable property rights, except for rental; - at an auction.