62023CJ0677_SUM
Case C‑677/23
A. B. and F. B.
v
Slovenská sporiteľňa a.s.
(Request for a preliminary ruling from the Krajský súd v Prešove)
Judgment of the Court (Seventh Chamber) of 23 January 2025
(Reference for a preliminary ruling – Consumer protection – Credit agreements for consumers – Directive 2008/48/EC – Requirements relating to information to be included in such a credit agreement – Duty to provide information – Duration of the agreement – Annual percentage rate of charge (APRC) – Assumptions used in order to calculate the APRC)
Consumer protection – Credit agreements for consumers – Directive 2008/48 – Requirements as to the information to be included in the agreement – Duration of the agreement – Obligation to specify expressly – None – Condition
(European Parliament and Council Directive 2008/48, Art. 10(2)(c))
(see paragraphs 30-45, operative part 1)
Consumer protection – Credit agreements for consumers – Directive 2008/48 – Requirements as to the information to be included in the agreement – Annual percentage rate of charge – Obligation to identify expressly the assumptions used for its calculation – Scope
(European Parliament and Council Directive 2008/48, Art. 10(2)(g))
(see paragraphs 57-64, operative part 2)
See the text of the decision.