Joined Cases C-482/13, C-484/13, C-485/13 and C-487/13: Judgment of the Court (First Chamber) of 21 January 2015 (request for a preliminary ruling from the Juzgado de Primera Instancia e Instrucción de Marchena — Spain) — Unicaja Banco, SA v José Hidalgo Rueda and Others (C-482/13), Caixabank SA v Manuel María Rueda Ledesma (C-484/13), Rosario Mesa Mesa (C-484/13), José Labella Crespo (C-485/13), Rosario Márquez Rodríguez (C-485/13), Rafael Gallardo Salvat (C-485/13), Manuela Márquez Rodríguez (C-485/13), Alberto Galán Luna (C-487/13), Domingo Galán Luna (C-487/13) (Reference for a preliminary ruling — Directive 93/13/EEC — Contracts concluded between sellers or suppliers and consumers — Mortgage contracts — Default interest clauses — Unfair terms — Mortgage enforcement proceedings — Moderation of the amount of interest — Powers of the national court)
Date: 2015-01-21
Institutions: Court of Justice
Subjects: EU law - national law, jurisdiction, real estate credit, unfair terms of contract








C_2015107EN.01000802.xml










30.3.2015   


EN


Official Journal of the European Union


C 107/8






Judgment of the Court (First Chamber) of 21 January 2015 (request for a preliminary ruling from the Juzgado de Primera Instancia e Instrucción de Marchena — Spain) — Unicaja Banco, SA v José Hidalgo Rueda and Others (C-482/13), Caixabank SA v Manuel María Rueda Ledesma (C-484/13), Rosario Mesa Mesa (C-484/13), José Labella Crespo (C-485/13), Rosario Márquez Rodríguez (C-485/13), Rafael Gallardo Salvat (C-485/13), Manuela Márquez Rodríguez (C-485/13), Alberto Galán Luna (C-487/13), Domingo Galán Luna (C-487/13)
(Joined Cases C-482/13, C-484/13, C-485/13 and C-487/13) (1)

((Reference for a preliminary ruling - Directive 93/13/EEC - Contracts concluded between sellers or suppliers and consumers - Mortgage contracts - Default interest clauses - Unfair terms - Mortgage enforcement proceedings - Moderation of the amount of interest - Powers of the national court))
(2015/C 107/10)
Language of the case: Spanish

Referring court

Juzgado de Primera Instancia e Instrucción de Marchena

Parties to the main proceedings


Applicants: Unicaja Banco, SA, Caixabank SA

Defendants: José Hidalgo Rueda, María del Carmen Vega Martín, Gestión Patrimonial Hive SL, Francisco Antonio López Reina, Rosa María Hidalgo Vega (C-482/13), Manuel María Rueda Ledesma (C-484/13), Rosario Mesa Mesa (C-484/13), José Labella Crespo (C-485/13), Rosario Márquez Rodríguez (C-485/13), Rafael Gallardo Salvat (C-485/13), Manuela Márquez Rodríguez (C-485/13), Alberto Galán Luna (C-487/13), Domingo Galán Luna (C-487/13)

Operative part of the judgment

Article 6 of Council Directive 93/13/EEC of 5 April 1993 on unfair terms in consumer contracts must be interpreted as not precluding a national provision under which the national court hearing mortgage enforcement proceedings is required to adjust the amounts due under a term in a mortgage-loan contract providing for default interest at a rate more than three times greater than the statutory rate in order that the amount of that interest may not exceed that threshold, provided that the application of that national provision:






—


is without prejudice to the assessment by that national court of the unfairness of such a term, and










—


does not prevent that court removing that term if it were to find the latter to be ‘unfair’, within the meaning of Article 3(1) of that directive.






(1)  OJ C 352, 30.11.2013.