The Retail Installment Contract serves as a legally binding agreement between retailers and consumers in the Netherlands, enabling the purchase of goods through structured installment payments. This document is essential when selling higher-value consumer items where immediate full payment is not required. It must comply with strict Dutch consumer protection laws, including the Consumer Credit Act and EU directives, making it suitable for retail businesses offering payment plans. The contract includes crucial elements such as clear pricing, APR disclosure, payment schedules, and consumer rights, while protecting the seller's interests through retention of title clauses. It's particularly relevant for businesses operating in the Dutch market that offer financing options to consumers, requiring careful attention to both commercial and regulatory requirements.

1. Parties: Identification of the seller/creditor and the buyer/consumer, including full legal names, addresses, and registration details where applicable

2. Background: Brief context of the retail purchase and installment arrangement

3. Definitions: Key terms used throughout the agreement, including 'Goods', 'Installments', 'Payment Schedule', and other relevant terms

4. Description of Goods: Detailed description of the product(s) being sold, including specifications, quantity, and condition

5. Purchase Price and Payment Terms: Total purchase price, down payment, number of installments, amount of each installment, and payment schedule

6. Annual Percentage Rate (APR): Clearly stated APR and breakdown of all costs as required by Dutch consumer credit regulations

7. Delivery Terms: Timing and method of delivery, transfer of ownership and risk

8. Retention of Title: Clause specifying that ownership remains with the seller until full payment is received

9. Default and Remedies: Consequences of missed payments and available remedies for both parties

10. Cooling-off Period: Statement of the consumer's right to withdraw from the contract within the statutory period

11. Governing Law and Jurisdiction: Specification that Dutch law governs the agreement and jurisdiction of Dutch courts