62022CJ0076_SUM
Case C‑76/22
QI
v
Santander Bank Polska S.A.
(Request for a preliminary rulingfrom the Sąd Rejonowy dla Warszawy-Woli w Warszawie)
Judgment of the Court (Third Chamber) of 17 October 2024
(Reference for a preliminary ruling – Consumer protection – Directive 2014/17/EU – Credit agreements for consumers relating to residential immovable property – Article 25(1) – Early repayment – Consumer’s right to a reduction in the total cost of the credit – Article 4(13) – Concept of ‘total cost of the credit to the consumer’ – Costs that are dependent on the duration of the contract – Commission for granting the credit payable when concluding the contract – Methodology for calculating the reduction)
Consumer protection – Credit agreements for consumers – Directive 2008/48 – Credit agreements for consumers relating to residential immovable property – Directive 2014/17 – Execution of credit agreements and related rights – Early repayment – Right to a reduction in the total cost of the credit, consisting of the interest and the costs for the remaining duration of the contract – Scope
(European Parliament and Council Directives 2008/48, Art. 16(1), and 2014/17, Art. 25(1))
(see paragraphs 23, 24)
Consumer protection – Credit agreements for consumers relating to residential immovable property – Directive 2014/17 – Execution of credit agreements and related rights – Early repayment – Right to a reduction in the total cost of the credit, consisting of the interest and the costs for the remaining duration of the contract – Total cost of the credit to the consumer – Concept – Commission charged when concluding a mortgage agreement – Absence of information provided by the creditor making it possible to ascertain whether the commission is independent of the duration of the agreement – Included
(European Parliament and Council Directive 2014/17, Art. 25(1))
(see paragraphs 28-35, 38, 39, operative part 1)
Consumer protection – Credit agreements for consumers relating to residential immovable property – Directive 2014/17 – Execution of credit agreements and related rights – Early repayment – Right to a reduction in the total cost of the credit, consisting of the interest and the costs for the remaining duration of the contract – Calculating the amount of the reduction – Method of calculation provided by the directive – None
(European Parliament and Council Directive 2014/17, Art. 25(1))
(see paragraphs 41, 50-53, operative part 2)
See the text of the decision.