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BGB 105a If a person of full age incapable of contracting enters into an everyday transaction that can be effected with funds of low value , the contract he enters into is regarded as effective with regard to performance and , if agreed , consideration , as soon as performance has been effected and consideration rendered . Sentence 1 above does not apply in the case of considerable danger to the person or the property of the person incapable of contracting .
BGB 494. 3 If the effective or the initial effective rate of interest is stated at a rate that is too low , the rate of interest on which the consumer loan contract is based is reduced by the percentage by which the effective or initial effective rate of interest is too low .
BGB 502. 3 An instalment payment transaction is void if the requirement of written form in section 492 ( 1 ) sentences 1 to 4 is not observed or if one of the items of information required by subsection ( 1 ) sentence 1 nos . 1 to 5 is omitted . Notwithstanding a defect under sentence 1 , the instalment payment transaction is valid if the thing is delivered to the consumer or the service performed for him . However , the maximum rate of interest on the cash payment price is the statutory rate of interest if the information on the instalment payment price or the effective annual rate of interest is missing . If a cash payment price is not stated , then in case of doubt the market price is deemed to be the cash payment price . The provision of security may not be required if no information has been given in that regard . If information on the effective or initial effective annual rate of interest states a rate that is too low , the instalment payment price is reduced by the percentage by which the effective or initial effective annual rate of interest is too low .