EBU Single Rulebook Q&A 7 September 2020 2020_5480 Exclusion from scope - article 3.2 f

1° Can a credit agreement, which relates to the deferred payment of the agreements mentioned in Article 3(1)(b) be excluded from the scope of the Directive - given that it is not secured by a mortgage? Are there any other reasons that justify this exclusion and therefore this difference in treatment?