(3) Krediidiandja, kes annab või kohustub andma tarbijale krediiti elamukinnisvaraga seotud tarbijakrediidilepingu alusel, on hüpoteekkrediidiandja.
defineeritakse selle seaduse ulatuses
(3) A creditor that grants or undertakes to grant to a consumer credit on the basis of a consumer credit agreement relating to residential immovable property is a mortgage creditor.
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