41As regards the first part of that question, it is apparent from Article 5(6) of, and recital 27 in the preamble to, Directive 2008/48 that, notwithstanding the pre-contractual information which must be provided under Article 5(1) of that directive, the consumer may, before entering into the credit agreement, still need additional assistance in order to decide which credit agreement is the most appropriate for his needs and his financial situation. The creditor must therefore provide the consumer with adequate, personalised explanations in order to place the consumer in a position that enables him to assess whether the proposed credit agreement is adapted to his needs and to his financial situation, where appropriate by providing explanations of the pre-contractual information, the essential characteristics of the products proposed and the specific effects they may have on his situation, including the consequences of default in payment by the consumer.
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