62023CJ0630_SUM
Case C‑630/23
ZHandKN
v
AxFina Hungary Zrt.
(Request for a preliminary ruling from the Kúria)
Judgment of the Court (Tenth Chamber) of 30 April 2025
(Reference for a preliminary ruling – Consumer protection – Directive 93/13/EEC – Unfair terms in consumer contracts – Leasing agreement denominated in a foreign currency – Articles 6 and 7 – Unfair term placing the exchange rate risk on the consumer – Effects of a finding that the term is unfair – Invalidity of the contract – Effects of the annulment of the contract in its entirety)
Consumer protection – Unfair terms in consumer contracts – Directive 93/13 – Finding that a term is unfair – Scope – Term of a leasing agreement placing the exchange rate risk on the consumer – Term rendering the agreement invalid because it is unfair – National legislation providing for the consumer to be freed from the detrimental effects of the unfair term only and for the other elements of the agreement to remain valid – Not permissible – Obligation to restore the situation which the consumer would have been in had the agreement not existed
(Council Directive 93/13, Arts 6(1) and 7(1))
(see paragraphs 53-58, 60-67, 74-81, 91, operative part)
See the text of the decision.