45While both those obligations are pre-contractual in nature, given that they apply before conclusion of the credit agreement, it does not follow from either the wording or the objectives of Articles 5 and 8 of Directive 2008/48 that the assessment of the financial situation and the needs of the consumer must be carried out before the adequate explanations are provided. In principle, there is no link between the two obligations stemming from those articles of the directive. The creditor is in a position to give the consumer explanations based solely on information which the consumer supplies to him, so that the consumer may make a decision with regard to a type of loan agreement, without the creditor being required to assess the consumer’s creditworthiness beforehand. However, the creditor must take account of the assessment of the consumer’s creditworthiness in so far as that assessment means that the explanations provided need to be adapted.
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