The Car Finance Contract is essential for transactions involving vehicle financing in the Netherlands. It is used when a customer seeks to purchase a vehicle through financial assistance from a lender, rather than paying the full purchase price upfront. The document must comply with Dutch financial regulations, including the Financial Supervision Act and Consumer Credit Act, and contains mandatory consumer protection provisions. It details the financing terms, vehicle specifications, payment schedules, and security arrangements, while also addressing insurance requirements and default procedures. This agreement is crucial for protecting both the lender's security interest and the borrower's consumer rights under Dutch law.

1. Parties: Identification of the finance provider and the customer, including full legal names, addresses, and registration details

2. Background: Brief context of the agreement, including the customer's request for financing and the lender's agreement to provide it

3. Definitions: Definitions of key terms used throughout the agreement, including financial terms, vehicle-related terms, and legal concepts

4. Vehicle Details: Comprehensive description of the financed vehicle, including make, model, year, VIN, registration number

5. Financial Terms: Details of the financing arrangement including principal amount, interest rate, APR, total amount payable, and payment schedule

6. Payment Terms: Specifics about payment methods, dates, and procedures, including provisions for early repayment

7. Security and Insurance: Requirements for vehicle insurance and any security interests over the vehicle

8. Customer Obligations: Customer's responsibilities regarding vehicle maintenance, usage, and reporting requirements

9. Lender Rights: Rights of the finance provider, including inspection rights and conditions for demanding early repayment

10. Default and Remedies: Consequences of default and the lender's enforcement rights

11. Termination: Circumstances under which the agreement can be terminated by either party

12. General Provisions: Standard legal provisions including notices, amendments, governing law, and jurisdiction