Opinion of Advocate General Kokott delivered on 14 February 2019.#Michel Schyns v Belfius Banque SA.#Request for a preliminary ruling from the Justice de Paix du canton de Visé.#Reference for a preliminary ruling — Consumer protection — Directive 2008/48/EC — Pre-contractual obligations — Article 5(6) — Obligation on the creditor to seek to establish the credit most suitable — Article 8(1) — Obligation on the creditor to refrain from concluding the loan agreement if there are doubts over the creditworthiness of the consumer — Obligation on the creditor to assess the expediency of the credit.#Case C-58/18.