mizuumi1/LegalViz huggingface dataset:
Judgment of the Court (Eighth Chamber) of 26 June 2019.
Aleš Kuhar and Jožef Kuhar v Addiko Bank d.d.
Request for a preliminary ruling from the Višje sodišče v Mariboru.
Reference for a preliminary ruling — Unfair terms in consumer contracts — Directive 93/13/EEC — Proceedings for enforcement of a mortgage claim — Directly enforceable notarial instrument — Judicial review of unfair terms — Suspension of enforcement — Lack of competence of the court before which the application for enforcement has been brought — Consumer protection — Principle of effectiveness — Interpretation in conformity with EU law.
Case C-407/18. (2019)
Language: Hungarian

Az Addiko Bank, valamint A. Kuhar és J. Kuhar közvetlenül végrehajtható közjegyzői okiratba foglalt jelzáloghitel‑szerződés kötött lakás vásárlása céljából (a továbbiakban: vitatott közjegyzői okirat). A hitelkövetelés svájci frankban (CHF) került meghatározásra; A. Kuhar és J. Kuhar azonban euróban volt köteles a részletfizetést teljesíteni, az Európai Központi Banknak (EKB) a fizetés napjára irányadó átváltási árfolyamán. A kölcsöntőke díja hathavi CHF LIBOR kamatlábon alapult.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
  "Addiko Bank"[shape=doubleoctagon];
  "A. Kuhar és J. Kuhar Jožef Kuhar"[shape=doubleoctagon];
  "A. Kuhar és J. Kuhar Aleš Kuhar"[shape=doubleoctagon];
    
  "Addiko Bank"->"A. Kuhar és J. Kuhar Jožef Kuhar"[label="jelzáloghitel‑szerződés"dir=none];
  "Addiko Bank"->"A. Kuhar és J. Kuhar Aleš Kuhar"[label="jelzáloghitel‑szerződés"dir=none];
  "A. Kuhar és J. Kuhar Jožef Kuhar"->"Addiko Bank"[label="A. Kuhar és J. Kuhar azonban euróban volt köteles a részletfizetést teljesíteni"];   
}
Judgment of the Court (Eighth Chamber) of 26 June 2019.
Aleš Kuhar and Jožef Kuhar v Addiko Bank d.d.
Request for a preliminary ruling from the Višje sodišče v Mariboru.
Reference for a preliminary ruling — Unfair terms in consumer contracts — Directive 93/13/EEC — Proceedings for enforcement of a mortgage claim — Directly enforceable notarial instrument — Judicial review of unfair terms — Suspension of enforcement — Lack of competence of the court before which the application for enforcement has been brought — Consumer protection — Principle of effectiveness — Interpretation in conformity with EU law.
Case C-407/18. (2019)
Language: Maltese

Addiko Bank u A. u J. Kuhar ikkonkludew kuntratt ta’ kreditu ipotekarju, fil-forma ta’ att notarili direttament infurzabbli, intiż għall-iffinanzjar tax-xiri ta’ residenza (iktar ’il quddiem l-“att notarili inkwistjoni”). Il-kreditu kien imfassal fi franki Żvizzeri (CHF), iżda A. u J. Kuhar kellhom iħallsu l-pagamenti ta’ kull xahar ta’ rimbors f’ewro, bir-rata ta’ riferenza tal-Bank Ċentrali Ewropew (BĊE) fil-ġurnata tal-ħlas. Ir-rata ta’ interess kienet marbuta mar-rata LIBOR CHF għal sitt xhur.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
  "Addiko Bank"[shape=doubleoctagon];
  "A. u J. Kuhar Jožef Kuhar"[shape=doubleoctagon];
  "A. u J. Kuhar Aleš Kuhar"[shape=doubleoctagon];
    
  "Addiko Bank"->"A. u J. Kuhar Jožef Kuhar"[label="kuntratt ta’ kreditu ipotekarju"dir=none];
  "Addiko Bank"->"A. u J. Kuhar Aleš Kuhar"[label="kuntratt ta’ kreditu ipotekarju"dir=none];
  "A. u J. Kuhar Jožef Kuhar"->"Addiko Bank"[label="iħallsu l-pagamenti ta’ kull xahar ta’ rimbors f’ewro"];   
}
Judgment of the Court (Eighth Chamber) of 26 June 2019.
Aleš Kuhar and Jožef Kuhar v Addiko Bank d.d.
Request for a preliminary ruling from the Višje sodišče v Mariboru.
Reference for a preliminary ruling — Unfair terms in consumer contracts — Directive 93/13/EEC — Proceedings for enforcement of a mortgage claim — Directly enforceable notarial instrument — Judicial review of unfair terms — Suspension of enforcement — Lack of competence of the court before which the application for enforcement has been brought — Consumer protection — Principle of effectiveness — Interpretation in conformity with EU law.
Case C-407/18. (2019)
Language: Dutch

Addiko Bank en de heren Kuhar hebben een hypothecaire kredietovereenkomst gesloten in de vorm van een onmiddellijk uitvoerbare notariële akte, met als doel de financiering van de aankoop van een woning (hierna: „betrokken notariële akte”). De kredietverplichting was gekoppeld aan de Zwitserse frank (CHF), maar de heren Kuhar waren gehouden om de maandelijkse termijnbetalingen in euro te verrichten op basis van de referentiewisselkoers van de Europese Centrale Bank (ECB) op de dag van de betaling. De rentevergoeding was gekoppeld aan het Libor-tarief CHF op 6 maanden.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
  "Addiko Bank"[shape=doubleoctagon];
  "heren Kuhar Jožef Kuhar"[shape=doubleoctagon];
  "heren Kuhar Aleš Kuhar"[shape=doubleoctagon];
    
  "Addiko Bank"->"heren Kuhar Jožef Kuhar"[label="een hypothecaire kredietovereenkomst"dir=none];
  "Addiko Bank"->"heren Kuhar Aleš Kuhar"[label="een hypothecaire kredietovereenkomst"dir=none];
  "heren Kuhar Jožef Kuhar"->"Addiko Bank"[label="de maandelijkse termijnbetalingen in euro"];   
}
Judgment of the Court (Eighth Chamber) of 26 June 2019.
Aleš Kuhar and Jožef Kuhar v Addiko Bank d.d.
Request for a preliminary ruling from the Višje sodišče v Mariboru.
Reference for a preliminary ruling — Unfair terms in consumer contracts — Directive 93/13/EEC — Proceedings for enforcement of a mortgage claim — Directly enforceable notarial instrument — Judicial review of unfair terms — Suspension of enforcement — Lack of competence of the court before which the application for enforcement has been brought — Consumer protection — Principle of effectiveness — Interpretation in conformity with EU law.
Case C-407/18. (2019)
Language: Polish

Addiko Bank oraz A. i J. Kuharowie zawarli umowę kredytu hipotecznego w formie aktu notarialnego bezpośrednio wykonalnego, przeznaczonego na sfinansowanie zakupu mieszkania (zwanego dalej „przedmiotowym aktem notarialnym”). Zobowiązanie kredytowe było wyrażone we frankach szwajcarskich (CHF), jednakże A. i J. Kuharowie byli zobowiązani do zapłaty rat w euro według referencyjnego kursu walutowego Europejskiego Banku Centralnego (EBC) na dzień zapłaty. Spłata kwoty głównej kredytu była powiązana z półroczną referencyjną stopą procentową CHF LIBOR.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
  "Addiko Bank"[shape=doubleoctagon];
  "A. i J. Kuharowie Jožef Kuhar"[shape=doubleoctagon];
  "A. i J. Kuharowie Aleš Kuhar"[shape=doubleoctagon];
    
  "Addiko Bank"->"A. i J. Kuharowie Jožef Kuhar"[label="umowę kredytu hipotecznego"dir=none];
  "Addiko Bank"->"A. i J. Kuharowie Aleš Kuhar"[label="umowę kredytu hipotecznego"dir=none];
  "A. i J. Kuharowie Jožef Kuhar"->"Addiko Bank"[label="Spłata rat w euro"];   
}
Judgment of the Court (Eighth Chamber) of 26 June 2019.
Aleš Kuhar and Jožef Kuhar v Addiko Bank d.d.
Request for a preliminary ruling from the Višje sodišče v Mariboru.
Reference for a preliminary ruling — Unfair terms in consumer contracts — Directive 93/13/EEC — Proceedings for enforcement of a mortgage claim — Directly enforceable notarial instrument — Judicial review of unfair terms — Suspension of enforcement — Lack of competence of the court before which the application for enforcement has been brought — Consumer protection — Principle of effectiveness — Interpretation in conformity with EU law.
Case C-407/18. (2019)
Language: Portuguese

O Addiko Bank e A. Kuhar e J. Kuhar celebraram um contrato de crédito hipotecário, sob a forma de ato notarial diretamente executório, destinado a financiar a aquisição de uma habitação (a seguir «ato notarial em causa»). O crédito estava redigido em francos suíços (CHF), mas A. Kuhar e J. Kuhar deviam pagar as mensalidades de reembolso em euros, à taxa de referência do Banco Central Europeu (BCE) na data de pagamento. A taxa de juros estava indexada à taxa LIBOR CHF a seis meses.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
  "Addiko Bank"[shape=doubleoctagon];
  "A. Kuhar e J. Kuhar Jožef Kuhar"[shape=doubleoctagon];
  "A. Kuhar e J. Kuhar Aleš Kuhar"[shape=doubleoctagon];
    
  "Addiko Bank"->"A. Kuhar e J. Kuhar Jožef Kuhar"[label="um contrato de crédito hipotecário"dir=none];
  "Addiko Bank"->"A. Kuhar e J. Kuhar Aleš Kuhar"[label="um contrato de crédito hipotecário"dir=none];
  "A. Kuhar e J. Kuhar Jožef Kuhar"->"Addiko Bank"[label="mensalidades de reembolso em euros"];   
}
Judgment of the Court (Eighth Chamber) of 26 June 2019.
Aleš Kuhar and Jožef Kuhar v Addiko Bank d.d.
Request for a preliminary ruling from the Višje sodišče v Mariboru.
Reference for a preliminary ruling — Unfair terms in consumer contracts — Directive 93/13/EEC — Proceedings for enforcement of a mortgage claim — Directly enforceable notarial instrument — Judicial review of unfair terms — Suspension of enforcement — Lack of competence of the court before which the application for enforcement has been brought — Consumer protection — Principle of effectiveness — Interpretation in conformity with EU law.
Case C-407/18. (2019)
Language: Romanian

Addiko Bank și domnii Kuhar au încheiat un contract de credit ipotecar, sub forma unui act notarial direct executoriu, destinat să finanțeze cumpărarea unei locuințe (denumit în continuare „actul notarial în cauză”). Creditul era exprimat în franci elvețieni (CHF), dar domnii Kuhar trebuiau să achite ratele de rambursare în euro, la cursul de referință al Băncii Centrale Europene (BCE) din ziua plății. Rata dobânzii era raportată la rata LIBOR CHF la șase luni.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
  "Addiko Bank"[shape=doubleoctagon];
  "domnii Kuhar Jožef Kuhar"[shape=doubleoctagon];
  "domnii Kuhar Aleš Kuhar"[shape=doubleoctagon];
    
  "Addiko Bank"->"domnii Kuhar Jožef Kuhar"[label="un contract de credit ipotecar"dir=none];
  "Addiko Bank"->"domnii Kuhar Aleš Kuhar"[label="un contract de credit ipotecar"dir=none];
  "domnii Kuhar Jožef Kuhar"->"Addiko Bank"[label="ratele de rambursare în euro"];   
}
Judgment of the Court (Eighth Chamber) of 26 June 2019.
Aleš Kuhar and Jožef Kuhar v Addiko Bank d.d.
Request for a preliminary ruling from the Višje sodišče v Mariboru.
Reference for a preliminary ruling — Unfair terms in consumer contracts — Directive 93/13/EEC — Proceedings for enforcement of a mortgage claim — Directly enforceable notarial instrument — Judicial review of unfair terms — Suspension of enforcement — Lack of competence of the court before which the application for enforcement has been brought — Consumer protection — Principle of effectiveness — Interpretation in conformity with EU law.
Case C-407/18. (2019)
Language: Slovak

Páni A. Kuhar a J. Kuhar uzavreli s bankou Addiko Bank hypotekárnu zmluvu na financovanie nákupu domu vo forme priamo vykonateľnej notárskej zápisnice (ďalej len „predmetná notárska zápisnica“). Úver bol vyjadrený vo švajčiarskych frankoch (CHF), avšak A. Kuhar a J. Kuhar boli povinní hradiť mesačné splátky v eurách podľa referenčného výmenného kurzu Európskej centrálnej banky (ECB) platného k dátumu platby. Úroková sadzba bola naviazaná na šesťmesačnú úrokovú sadzbu švajčiarskeho franku LIBOR CHF.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
  "Addiko Bank"[shape=doubleoctagon];
  "Páni A. Kuhar a J. Kuhar Jožef Kuhar"[shape=doubleoctagon];
  "Páni A. Kuhar a J. Kuhar Aleš Kuhar"[shape=doubleoctagon];
    
  "Addiko Bank"->"Páni A. Kuhar a J. Kuhar Jožef Kuhar"[label="hypotekárnu zmluvu"dir=none];
  "Addiko Bank"->"Páni A. Kuhar a J. Kuhar Aleš Kuhar"[label="hypotekárnu zmluvu"dir=none];
  "Páni A. Kuhar a J. Kuhar Jožef Kuhar"->"Addiko Bank"[label="hradiť mesačné splátky v eurách"];   
}
Judgment of the Court (Eighth Chamber) of 26 June 2019.
Aleš Kuhar and Jožef Kuhar v Addiko Bank d.d.
Request for a preliminary ruling from the Višje sodišče v Mariboru.
Reference for a preliminary ruling — Unfair terms in consumer contracts — Directive 93/13/EEC — Proceedings for enforcement of a mortgage claim — Directly enforceable notarial instrument — Judicial review of unfair terms — Suspension of enforcement — Lack of competence of the court before which the application for enforcement has been brought — Consumer protection — Principle of effectiveness — Interpretation in conformity with EU law.
Case C-407/18. (2019)
Language: Slovenian

Družba Addiko Bank ter A. in J. Kuhar so sklenili pogodbo o hipotekarnem kreditu za financiranje nakupa stanovanja v obliki neposredno izvršljivega notarskega zapisa (v nadaljevanju: zadevni notarski zapis). Kreditna obveznost je bila vezana na švicarski frank (CHF), A. in J. Kuhar pa sta jo bila zavezana plačati v mesečnih obrokih v eurih po referenčnem tečaju Evropske centralne banke (ECB) na dan plačila. Obrestovanje je bilo vezano na referenčno obrestno mero šestmesečni CHF LIBOR.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
  "Addiko Bank"[shape=doubleoctagon];
  "A. in J. Kuhar Jožef Kuhar"[shape=doubleoctagon];
  "A. in J. Kuhar Aleš Kuhar"[shape=doubleoctagon];
    
  "Addiko Bank"->"A. in J. Kuhar Jožef Kuhar"[label="pogodbo o hipotekarnem kreditu"dir=none];
  "Addiko Bank"->"A. in J. Kuhar Aleš Kuhar"[label="pogodbo o hipotekarnem kreditu"dir=none];
  "A. in J. Kuhar Jožef Kuhar"->"Addiko Bank"[label="mesečnih obrokih v eurih"];   
}
Judgment of the Court (Eighth Chamber) of 26 June 2019.
Aleš Kuhar and Jožef Kuhar v Addiko Bank d.d.
Request for a preliminary ruling from the Višje sodišče v Mariboru.
Reference for a preliminary ruling — Unfair terms in consumer contracts — Directive 93/13/EEC — Proceedings for enforcement of a mortgage claim — Directly enforceable notarial instrument — Judicial review of unfair terms — Suspension of enforcement — Lack of competence of the court before which the application for enforcement has been brought — Consumer protection — Principle of effectiveness — Interpretation in conformity with EU law.
Case C-407/18. (2019)
Language: Finnish

Addiko Bank teki Aleš ja Jožef Kuharin kanssa kiinnitysluottosopimuksen notaarin vahvistamalla ja välittömästi täytäntöönpanokelpoisella asiakirjalla; luoton tarkoituksena oli asunnon oston rahoittaminen (jäljempänä kyseinen notaarin vahvistama asiakirja). Luotto oli Sveitsin frangien (CHF) määräinen, mutta Aleš ja Jožef Kuharin oli maksettava kuukausierät euroissa maksupäivänä vahvistetulla Euroopan keskuspankin (EKP) viitekurssilla. Korkoprosentti oli sidottu Sveitsin frangille määriteltyyn kuuden kuukauden Libor-korkoon.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
  "Addiko Bank"[shape=doubleoctagon];
  "Aleš ja Jožef Kuharin Jožef Kuhar"[shape=doubleoctagon];
  "Aleš ja Jožef Kuharin Aleš Kuhar"[shape=doubleoctagon];
    
  "Addiko Bank"->"Aleš ja Jožef Kuharin Jožef Kuhar"[label="kiinnitysluottosopimuksen"dir=none];
  "Addiko Bank"->"Aleš ja Jožef Kuharin Aleš Kuhar"[label="kiinnitysluottosopimuksen"dir=none];
  "Aleš ja Jožef Kuharin Jožef Kuhar"->"Addiko Bank"[label="Aleš ja Jožef Kuharin oli maksettava kuukausierät euroissa"];   
}
Judgment of the Court (Eighth Chamber) of 26 June 2019.
Aleš Kuhar and Jožef Kuhar v Addiko Bank d.d.
Request for a preliminary ruling from the Višje sodišče v Mariboru.
Reference for a preliminary ruling — Unfair terms in consumer contracts — Directive 93/13/EEC — Proceedings for enforcement of a mortgage claim — Directly enforceable notarial instrument — Judicial review of unfair terms — Suspension of enforcement — Lack of competence of the court before which the application for enforcement has been brought — Consumer protection — Principle of effectiveness — Interpretation in conformity with EU law.
Case C-407/18. (2019)
Language: Swedish

Addiko Bank och Aleš och Jožef Kuhar ingick ett avtal om hypotekslån i form av en direkt verkställbar notariehandling för att finansiera köp av en bostad (nedan kallad notariehandlingen). Lånet var denominerat i schweizerfranc (CHF), men Aleš och Jožef Kuhar tvingades betala sina belopp i euro, till Europeiska centralbankens referenskurs på betalningsdagen. Räntesatsen var kopplad till referensräntesatsen LIBOR CHF på sex månader.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
  "Addiko Bank"[shape=doubleoctagon];
  "Aleš och Jožef Kuhar Jožef Kuhar"[shape=doubleoctagon];
  "Aleš och Jožef Kuhar Aleš Kuhar"[shape=doubleoctagon];
    
  "Addiko Bank"->"Aleš och Jožef Kuhar Jožef Kuhar"[label="ett avtal om hypotekslån"dir=none];
  "Addiko Bank"->"Aleš och Jožef Kuhar Aleš Kuhar"[label="ett avtal om hypotekslån"dir=none];
  "Aleš och Jožef Kuhar Jožef Kuhar"->"Addiko Bank"[label="Aleš och Jožef Kuhar tvingades betala sina belopp i euro"];   
}
Judgment of the Court (Eighth Chamber) of 26 June 2019.
Aleš Kuhar and Jožef Kuhar v Addiko Bank d.d.
Request for a preliminary ruling from the Višje sodišče v Mariboru.
Reference for a preliminary ruling — Unfair terms in consumer contracts — Directive 93/13/EEC — Proceedings for enforcement of a mortgage claim — Directly enforceable notarial instrument — Judicial review of unfair terms — Suspension of enforcement — Lack of competence of the court before which the application for enforcement has been brought — Consumer protection — Principle of effectiveness — Interpretation in conformity with EU law.
Case C-407/18. (2019)
Language: English

Addiko Bank and Mr Aleš Kuhar and Mr Jožef Kuhar concluded a mortgage contract, in the form of a directly enforceable notarial instrument, to fund the purchase of a residential property (‘the notarial instrument at issue’). The loan was denominated in Swiss francs (CHF), but the Kuhars were required to make the monthly repayments in euros, at the reference rate of the European Central Bank (ECB) on the day of payment. The interest rate was linked to the six-month CHF LIBOR rate.
As the Kuhars continued to be in default, Addiko Bank applied, on the basis of the notarial instrument at issue, to the Okrajno sodišče v Gornji Radgoni (District Court, Gornja Radgona, Slovenia) for an enforcement order in respect of that instrument.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
   "Addiko Bank"[shape=doubleoctagon];
   "Mr Jožef Kuhar"[shape=doubleoctagon];
   "Mr Aleš Kuhar"[shape=doubleoctagon];
   "The Okrajno sodišče v Gornji Radgoni (District Court, Gornja Radgona, Slovenia)"[shape=doubleoctagon];
    
   "Addiko Bank"->"Mr Jožef Kuhar"[label="A mortgage contract"dir=none];
   "Addiko Bank"->"Mr Aleš Kuhar"[label="A mortgage contract"dir=none];
   "Mr Jožef Kuhar"->"Addiko Bank"[label="Monthly repayments in euros"];
   "Mr Jožef Kuhar"->"Continued to be in default"[dir=none];
   "Addiko Bank"->"Applied an enforcement order";
   "Applied an enforcement order"->"The Okrajno sodišče v Gornji Radgoni (District Court, Gornja Radgona, Slovenia)";
   "Applied an enforcement order"->"The notarial instrument"[dir=none];
}
Judgment of the Court (Eighth Chamber) of 26 June 2019.
Aleš Kuhar and Jožef Kuhar v Addiko Bank d.d.
Request for a preliminary ruling from the Višje sodišče v Mariboru.
Reference for a preliminary ruling — Unfair terms in consumer contracts — Directive 93/13/EEC — Proceedings for enforcement of a mortgage claim — Directly enforceable notarial instrument — Judicial review of unfair terms — Suspension of enforcement — Lack of competence of the court before which the application for enforcement has been brought — Consumer protection — Principle of effectiveness — Interpretation in conformity with EU law.
Case C-407/18. (2019)
Language: Bulgarian

Addiko Bank и г‑да Kuhar сключват договор за ипотечен кредит във формата на подлежащ на пряко изпълнение нотариален акт, като кредитът е предназначен за финансирането на покупка на жилище (наричан по-нататък „разглежданият нотариален акт). Кредитът е отпуснат в швейцарски франкове (CHF), но г‑да Kuhar били длъжни да погасяват вноските в евро по референтния обменен курс на Европейската централна банка (ЕЦБ) в деня на плащането. Лихвите са обвързани с шестмесечния лихвен процент CHF LIBOR.
Тъй като г-да Kuhar не изпълняват задължението си за плащане, на основание на разглеждания нотариален акт Addiko Bank подава до Okrajno sodišče v Gornji Radgoni (Районен съд Горна Радгона, Словения) молба да се разпореди принудителното изпълнение на посочения акт.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
  "Addiko Bank"[shape=doubleoctagon];
  "г‑да Kuhar Jožef Kuhar"[shape=doubleoctagon];
  "г‑да Kuhar Aleš Kuhar"[shape=doubleoctagon];
  "Okrajno sodišče v Gornji Radgoni (Районен съд Горна Радгона, Словения)"[shape=doubleoctagon];
    
  "Addiko Bank"->"г‑да Kuhar Jožef Kuhar"[label="договор за ипотечен кредит"dir=none];
  "Addiko Bank"->"г‑да Kuhar Aleš Kuhar"[label="договор за ипотечен кредит"dir=none];
  "г‑да Kuhar Jožef Kuhar"->"Addiko Bank"[label="длъжни да погасяват вноските в евро"];
  "г‑да Kuhar Jožef Kuhar"->"не изпълняват задължението си за плащане"[dir=none];
  "Addiko Bank"->"подава до Okrajno sodišče v Gornji Radgoni (Районен съд Горна Радгона, Словения) молба да се разпореди принудителното изпълнение на посочения акт.";
  "подава до Okrajno sodišče v Gornji Radgoni (Районен съд Горна Радгона, Словения) молба да се разпореди принудителното изпълнение на посочения акт."->"Okrajno sodišče v Gornji Radgoni (Районен съд Горна Радгона, Словения)";
  "подава до Okrajno sodišče v Gornji Radgoni (Районен съд Горна Радгона, Словения) молба да се разпореди принудителното изпълнение на посочения акт."->"разглежданият нотариален акт"[dir=none];
}
Judgment of the Court (Eighth Chamber) of 26 June 2019.
Aleš Kuhar and Jožef Kuhar v Addiko Bank d.d.
Request for a preliminary ruling from the Višje sodišče v Mariboru.
Reference for a preliminary ruling — Unfair terms in consumer contracts — Directive 93/13/EEC — Proceedings for enforcement of a mortgage claim — Directly enforceable notarial instrument — Judicial review of unfair terms — Suspension of enforcement — Lack of competence of the court before which the application for enforcement has been brought — Consumer protection — Principle of effectiveness — Interpretation in conformity with EU law.
Case C-407/18. (2019)
Language: Spanish

Addiko Bank y los Sres. Kuhar celebraron, mediante documento notarial directamente ejecutivo (en lo sucesivo, «documento notarial en cuestión»), un contrato de crédito hipotecario destinado a financiar la compra de una vivienda. El crédito estaba denominado en francos suizos (CHF), pero los Sres. Kuhar debían reembolsarlo mediante el abono de cuotas mensuales en euros, al tipo de cambio de referencia del Banco Central Europeo (BCE) del día del pago. El tipo de interés estaba ligado a la tasa de referencia LIBOR CHF a seis meses.
Al incumplir los Sres. Kuhar su obligación de pago, Addiko Bank, basándose en el documento notarial en cuestión, presentó ante el Okrajno sodišče v Gornji Radgoni (Tribunal Regional de Gornja Radgona, Eslovenia) una demanda en la que solicitaba la ejecución forzosa de lo estipulado en dicho documento.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
  "Addiko Bank"[shape=doubleoctagon];
  "Sres. Kuhar Jožef Kuhar"[shape=doubleoctagon];
  "Sres. Kuhar Aleš Kuhar"[shape=doubleoctagon];
  "Okrajno sodišče v Gornji Radgoni (Tribunal Regional de Gornja Radgona, Eslovenia)"[shape=doubleoctagon];
    
  "Addiko Bank"->"Sres. Kuhar Jožef Kuhar"[label="un contrato de crédito hipotecario"dir=none];
  "Addiko Bank"->"Sres. Kuhar Aleš Kuhar"[label="un contrato de crédito hipotecario"dir=none];
  "Sres. Kuhar Jožef Kuhar"->"Addiko Bank"[label="reembolsarlo mediante el abono de cuotas mensuales en euros"];
  "Sres. Kuhar Jožef Kuhar"->"Al incumplir los Sres. Kuhar su obligación de pago"[dir=none];
  "Addiko Bank"->"Aplicó una orden de ejecución";
  "Aplicó una orden de ejecución"->"Okrajno sodišče v Gornji Radgoni (Tribunal Regional de Gornja Radgona, Eslovenia)";
  "Aplicó una orden de ejecución"->"documento notarial"[dir=none];
}
Judgment of the Court (Eighth Chamber) of 26 June 2019.
Aleš Kuhar and Jožef Kuhar v Addiko Bank d.d.
Request for a preliminary ruling from the Višje sodišče v Mariboru.
Reference for a preliminary ruling — Unfair terms in consumer contracts — Directive 93/13/EEC — Proceedings for enforcement of a mortgage claim — Directly enforceable notarial instrument — Judicial review of unfair terms — Suspension of enforcement — Lack of competence of the court before which the application for enforcement has been brought — Consumer protection — Principle of effectiveness — Interpretation in conformity with EU law.
Case C-407/18. (2019)
Language: Czech

Addiko Bank a A. a J. Kuharovi uzavřeli smlouvu o hypotéčním úvěru formou přímo vykonatelného notářského zápisu, jenž byl určen k financování koupě nemovitosti určené k bydlení (dále jen „dotčený notářský zápis“). Úvěr byl vyjádřen ve švýcarských francích (CHF), avšak A. a J. Kuharovi byli povinni hradit splátky v eurech podle referenčního směnného kurzu Evropské centrální banky (ECB) platného k datu platby. Úroková sazba byla navázána na šestiměsíční úrokovou sazbu švýcarského franku LIBORCHF.
Vzhledem k tomu, že se A. a J. Kuharovi ocitli v prodlení, podala Addiko Bank na základě dotčeného notářského zápisu k Okrajno sodišče v Gornji Radgoni (okresní soud v Gornje Radgoně, Slovinsko) návrh na nařízení výkonu rozhodnutí na základě tohoto notářského zápisu.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
  "Addiko Bank"[shape=doubleoctagon];
  "A. a J. Kuharovi Jožef Kuhar"[shape=doubleoctagon];
  "A. a J. Kuharovi Aleš Kuhar"[shape=doubleoctagon];
  "Okrajno sodišče v Gornji Radgoni (okresní soud v Gornje Radgoně, Slovinsko)"[shape=doubleoctagon];
    
  "Addiko Bank"->"A. a J. Kuharovi Jožef Kuhar"[label="smlouvu o hypotéčním úvěru"dir=none];
  "Addiko Bank"->"A. a J. Kuharovi Aleš Kuhar"[label="smlouvu o hypotéčním úvěru"dir=none];
  "A. a J. Kuharovi Jožef Kuhar"->"Addiko Bank"[label="hradit splátky v eurech"];
  "A. a J. Kuharovi Jožef Kuhar"->"ocitli v prodlení"[dir=none];
  "Addiko Bank"->"návrh na nařízení výkonu rozhodnutí";
  "návrh na nařízení výkonu rozhodnutí"->"Okrajno sodišče v Gornji Radgoni (okresní soud v Gornje Radgoně, Slovinsko)";
  "návrh na nařízení výkonu rozhodnutí"->"dotčený notářský zápis"[dir=none];
}
Judgment of the Court (Eighth Chamber) of 26 June 2019.
Aleš Kuhar and Jožef Kuhar v Addiko Bank d.d.
Request for a preliminary ruling from the Višje sodišče v Mariboru.
Reference for a preliminary ruling — Unfair terms in consumer contracts — Directive 93/13/EEC — Proceedings for enforcement of a mortgage claim — Directly enforceable notarial instrument — Judicial review of unfair terms — Suspension of enforcement — Lack of competence of the court before which the application for enforcement has been brought — Consumer protection — Principle of effectiveness — Interpretation in conformity with EU law.
Case C-407/18. (2019)
Language: Danish

Addiko Bank og Aleš og Jožef Kuhar indgik med et umiddelbart eksigibelt notarielt dokument en låneaftale med sikkerhed i fast ejendom med henblik på finansiering af et boligkøb (herefter »det omhandlede notarielle dokument«). Lånet blev optaget i schweiziske franc (CHF), men Aleš og Jožef Kuhar skulle betale de månedlige rater i euro i overensstemmelse med Den Europæiske Centralbanks (ECB) referencesats på betalingsdagen. Lånets hovedstol er knyttet til den halvårlige referenceværdi CHF Libor.
Eftersom Aleš og Jožef Kuhar misligholdt betalingsaftalen, anlagde Addiko Bank på grundlag af det omhandlede notarielle dokument et søgsmål ved Okrajno sodišče v Gornji Radgoni (retten i første instans i Gornja Radgona, Slovenien) med påstand om tvangsfuldbyrdelse af dokumentet.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
  "Addiko Bank"[shape=doubleoctagon];
  "Aleš og Jožef Kuhar Jožef Kuhar"[shape=doubleoctagon];
  "Aleš og Jožef Kuhar Aleš Kuhar"[shape=doubleoctagon];
  "Okrajno sodišče v Gornji Radgoni (Okrajno sodišče v Gornji Radgoni, Slovenien)"[shape=doubleoctagon];
    
  "Addiko Bank"->"Aleš og Jožef Kuhar Jožef Kuhar"[label="en låneaftale med sikkerhed i fast ejendom"dir=none];
  "Addiko Bank"->"Aleš og Jožef Kuhar Aleš Kuhar"[label="en låneaftale med sikkerhed i fast ejendom"dir=none];
  "Aleš og Jožef Kuhar Jožef Kuhar"->"Addiko Bank"[label="betale de månedlige rater i euro"];
  "Aleš og Jožef Kuhar Jožef Kuhar"->"misligholdt betalingsaftalen"[dir=none];
  "Addiko Bank"->"med påstand om tvangsfuldbyrdelse af dokumentet.";
  "med påstand om tvangsfuldbyrdelse af dokumentet."->"Okrajno sodišče v Gornji Radgoni (Okrajno sodišče v Gornji Radgoni, Slovenien)";
  "med påstand om tvangsfuldbyrdelse af dokumentet."->"det omhandlede notarielle dokument"[dir=none];
}
Judgment of the Court (Eighth Chamber) of 26 June 2019.
Aleš Kuhar and Jožef Kuhar v Addiko Bank d.d.
Request for a preliminary ruling from the Višje sodišče v Mariboru.
Reference for a preliminary ruling — Unfair terms in consumer contracts — Directive 93/13/EEC — Proceedings for enforcement of a mortgage claim — Directly enforceable notarial instrument — Judicial review of unfair terms — Suspension of enforcement — Lack of competence of the court before which the application for enforcement has been brought — Consumer protection — Principle of effectiveness — Interpretation in conformity with EU law.
Case C-407/18. (2019)
Language: German

Die Addiko Bank und die Kläger schlossen in Form einer unmittelbar vollstreckbaren notariellen Urkunde einen Hypothekenkreditvertrag, mit dem der Kauf einer Wohnung finanziert werden sollte (im Folgenden: in Rede stehende notarielle Urkunde). Der Kredit war an den Schweizer Franken (CHF) gebunden, aber die Kläger waren verpflichtet, die Raten in Euro zum Referenzzinssatz der Europäischen Zentralbank (EZB) am Zahlungstag zu bezahlen. Referenzzinssatz für die Verzinsung war der CHF LIBOR für sechs Monate.
Da die Kläger nicht zahlten, beantragte die Addiko Bank beim Okrajno sodišče v Gornji Radgoni (Bezirksgericht Gornja Gradgona, Slowenien) auf der Grundlage der in Rede stehenden notariellen Urkunde die Zwangsvollstreckung.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
  "Addiko Bank"[shape=doubleoctagon];
  "Herr Jožef Kuhar"[shape=doubleoctagon];
  "Herr Aleš Kuhar"[shape=doubleoctagon];
  "Okrajno sodišče v Gornji Radgoni (Bezirksgericht Gornja Gradgona, Slowenien)"[shape=doubleoctagon];
    
  "Addiko Bank"->"Herr Jožef Kuhar"[label="Hypothekenkreditvertrag"dir=none];
  "Addiko Bank"->"Herr Aleš Kuhar"[label="Hypothekenkreditvertrag"dir=none];
  "Herr Jožef Kuhar"->"Addiko Bank"[label="die Raten in Euro"];
  "Herr Jožef Kuhar"->"Die Kläger nicht zahlten"[dir=none];
  "Addiko Bank"->"beantragte die Addiko Bank die Zwangsvollstreckung";
  "beantragte die Addiko Bank die Zwangsvollstreckung"->"Okrajno sodišče v Gornji Radgoni (Bezirksgericht Gornja Gradgona, Slowenien)";
  "beantragte die Addiko Bank die Zwangsvollstreckung"->"die notarielle Urkunde"[dir=none];
}
Judgment of the Court (Eighth Chamber) of 26 June 2019.
Aleš Kuhar and Jožef Kuhar v Addiko Bank d.d.
Request for a preliminary ruling from the Višje sodišče v Mariboru.
Reference for a preliminary ruling — Unfair terms in consumer contracts — Directive 93/13/EEC — Proceedings for enforcement of a mortgage claim — Directly enforceable notarial instrument — Judicial review of unfair terms — Suspension of enforcement — Lack of competence of the court before which the application for enforcement has been brought — Consumer protection — Principle of effectiveness — Interpretation in conformity with EU law.
Case C-407/18. (2019)
Language: Estonian

Addiko Bank ning A. ja J. Kuhar sõlmisid eluaseme ostu rahastamiseks hüpoteeklaenulepingu kohesele täitmisele pööratava notariaalakti vormis (edaspidi „vaidlusalune notariaalakt“). Laenukohustus oli nomineeritud Šveitsi frankides (CHF), kuid A. ja J. Kuhar pidid igakuiseid laenu tagasimakseid tasuma eurodes Euroopa Keskpanga (EKP) vahetuskursiga, mis kehtib tasumise päeval. Tasu laenu põhisumma eest oli seotud 6 kuu intressimääraga CHF LIBOR.
Kui A. ja J. Kuhar jäid makseviivitusse, siis esitas Addiko Bank vaidlusaluse notariaalakti alusel Okrajno sodišče v Gornji Radgonile (Gornja Radgona piirkondlik kohus, Sloveenia) avalduse selle akti sundtäitmisele pööramiseks.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
  "Addiko Bank"[shape=doubleoctagon];
  "A. ja J. Kuhar Jožef Kuhar"[shape=doubleoctagon];
  "A. ja J. Kuhar Aleš Kuhar"[shape=doubleoctagon];
  "Okrajno sodišče v Gornji Radgoni (Gornja Radgona piirkondlik kohus, Sloveenia)"[shape=doubleoctagon];
    
  "Addiko Bank"->"A. ja J. Kuhar Jožef Kuhar"[label="hüpoteeklaenulepingu"dir=none];
  "Addiko Bank"->"A. ja J. Kuhar Aleš Kuhar"[label="hüpoteeklaenulepingu"dir=none];
  "A. ja J. Kuhar Jožef Kuhar"->"Addiko Bank"[label="A. ja J. Kuhar pidid igakuiseid laenu tagasimakseid tasuma eurodes"];
  "A. ja J. Kuhar Jožef Kuhar"->"jäid makseviivitusse"[dir=none];
  "Addiko Bank"->"esitas Addiko Bank vaidlusaluse notariaalakti alusel Okrajno sodišče v Gornji Radgonile (Gornja Radgona piirkondlik kohus, Sloveenia) avalduse selle akti sundtäitmisele pööramiseks.";
  "esitas Addiko Bank vaidlusaluse notariaalakti alusel Okrajno sodišče v Gornji Radgonile (Gornja Radgona piirkondlik kohus, Sloveenia) avalduse selle akti sundtäitmisele pööramiseks."->"Okrajno sodišče v Gornji Radgoni (Gornja Radgona piirkondlik kohus, Sloveenia)";
  "esitas Addiko Bank vaidlusaluse notariaalakti alusel Okrajno sodišče v Gornji Radgonile (Gornja Radgona piirkondlik kohus, Sloveenia) avalduse selle akti sundtäitmisele pööramiseks."->"vaidlusalune notariaalakt"[dir=none];
}
Judgment of the Court (Eighth Chamber) of 26 June 2019.
Aleš Kuhar and Jožef Kuhar v Addiko Bank d.d.
Request for a preliminary ruling from the Višje sodišče v Mariboru.
Reference for a preliminary ruling — Unfair terms in consumer contracts — Directive 93/13/EEC — Proceedings for enforcement of a mortgage claim — Directly enforceable notarial instrument — Judicial review of unfair terms — Suspension of enforcement — Lack of competence of the court before which the application for enforcement has been brought — Consumer protection — Principle of effectiveness — Interpretation in conformity with EU law.
Case C-407/18. (2019)
Language: Greek

Η Addiko Bank και οι Α. και J. Kuhar συνήψαν μεταξύ τους σύμβαση ενυπόθηκης πίστωσης, περιβληθείσα τον τύπο άμεσα εκτελεστού συμβολαιογραφικού εγγράφου, για τη χρηματοδότηση της αγοράς κατοικίας (στο εξής: επίμαχη συμβολαιογραφική πράξη). Η πίστωση ήταν εκπεφρασμένη σε ελβετικά φράγκα (CHF), πλην όμως οι Α. και J. Kuhar όφειλαν να εξοφλήσουν τις μηνιαίες δόσεις αποπληρωμής σε ευρώ, σύμφωνα με τη συναλλαγματική ισοτιμία αναφοράς της Ευρωπαϊκής Κεντρικής Τράπεζας (ΕΚΤ) της ημέρας της πληρωμής. Το επιτόκιο ήταν συνδεδεμένο με το επιτόκιο Libor CHF διάρκειας έξι μηνών.
Δεδομένου ότι οι Α. και J. Kuhar κατέστησαν υπερήμεροι, η Addiko Bank υπέβαλε, με βάση την επίμαχη συμβολαιογραφική πράξη, αίτηση ενώπιον του Okrajno sodišče v Gornji Radgoni (πρωτοβάθμιου δικαστηρίου Gornja Radgona, Σλοβενία) προκειμένου να διαταχθεί η αναγκαστική εκτέλεση της πράξης αυτής.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
  "Addiko Bank"[shape=doubleoctagon];
  "Α. και J. Kuhar Jožef Kuhar"[shape=doubleoctagon];
  "Α. και J. Kuhar Aleš Kuhar"[shape=doubleoctagon];
  "Okrajno sodišče v Gornji Radgoni (πρωτοβάθμιου δικαστηρίου Gornja Radgona, Σλοβενία)"[shape=doubleoctagon];
    
  "Addiko Bank"->"Α. και J. Kuhar Jožef Kuhar"[label="σύμβαση ενυπόθηκης πίστωσης"dir=none];
  "Addiko Bank"->"Α. και J. Kuhar Aleš Kuhar"[label="σύμβαση ενυπόθηκης πίστωσης"dir=none];
  "Α. και J. Kuhar Jožef Kuhar"->"Addiko Bank"[label="εξοφλήσουν τις μηνιαίες δόσεις αποπληρωμής σε ευρώ"];
  "Α. και J. Kuhar Jožef Kuhar"->"κατέστησαν υπερήμεροι"[dir=none];
  "Addiko Bank"->"διαταχθεί η αναγκαστική εκτέλεση της πράξης αυτής";
  "διαταχθεί η αναγκαστική εκτέλεση της πράξης αυτής"->"Okrajno sodišče v Gornji Radgoni (πρωτοβάθμιου δικαστηρίου Gornja Radgona, Σλοβενία)";
  "διαταχθεί η αναγκαστική εκτέλεση της πράξης αυτής"->"επίμαχη συμβολαιογραφική πράξη"[dir=none];
}
Judgment of the Court (Eighth Chamber) of 26 June 2019.
Aleš Kuhar and Jožef Kuhar v Addiko Bank d.d.
Request for a preliminary ruling from the Višje sodišče v Mariboru.
Reference for a preliminary ruling — Unfair terms in consumer contracts — Directive 93/13/EEC — Proceedings for enforcement of a mortgage claim — Directly enforceable notarial instrument — Judicial review of unfair terms — Suspension of enforcement — Lack of competence of the court before which the application for enforcement has been brought — Consumer protection — Principle of effectiveness — Interpretation in conformity with EU law.
Case C-407/18. (2019)
Language: French

Addiko Bank et MM. Kuhar ont conclu un contrat de crédit hypothécaire, sous la forme d’un acte notarié directement exécutoire, destiné à financer l’achat d’un logement (ci-après l’« acte notarié en cause »). Le crédit était libellé en francs suisses (CHF), mais MM. Kuhar devaient acquitter les mensualités de remboursement en euros, au cours de référence de la Banque centrale européenne (BCE) du jour du paiement. Le taux d’intérêt était lié au taux LIBOR CHF à six mois.
MM. Kuhar demeurant en défaut de paiement, Addiko Bank a introduit, sur le fondement de l’acte notarié en cause, une demande devant l’Okrajno sodišče v Gornji Radgoni (tribunal de district de Gornja Radgona, Slovénie) visant à ordonner l’exécution forcée de cet acte.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
  "Addiko Bank"[shape=doubleoctagon];
  "MM. Kuhar Jožef Kuhar"[shape=doubleoctagon];
  "MM. Kuhar Aleš Kuhar"[shape=doubleoctagon];
  "Okrajno sodišče v Gornji Radgoni (tribunal de district de Gornja Radgona, Slovénie)"[shape=doubleoctagon];
    
  "Addiko Bank"->"MM. Kuhar Jožef Kuhar"[label="un contrat de crédit hypothécaire"dir=none];
  "Addiko Bank"->"MM. Kuhar Aleš Kuhar"[label="un contrat de crédit hypothécaire"dir=none];
  "MM. Kuhar Jožef Kuhar"->"Addiko Bank"[label="les mensualités de remboursement en euros"];
  "MM. Kuhar Jožef Kuhar"->"demeurant en défaut de paiement"[dir=none];
  "Addiko Bank"->"Application d'une ordonnance d'exécution";
  "Application d'une ordonnance d'exécution"->"Okrajno sodišče v Gornji Radgoni (tribunal de district de Gornja Radgona, Slovénie)";
  "Application d'une ordonnance d'exécution"->"l'« acte notarié en cause »"[dir=none];
}
Judgment of the Court (Eighth Chamber) of 26 June 2019.
Aleš Kuhar and Jožef Kuhar v Addiko Bank d.d.
Request for a preliminary ruling from the Višje sodišče v Mariboru.
Reference for a preliminary ruling — Unfair terms in consumer contracts — Directive 93/13/EEC — Proceedings for enforcement of a mortgage claim — Directly enforceable notarial instrument — Judicial review of unfair terms — Suspension of enforcement — Lack of competence of the court before which the application for enforcement has been brought — Consumer protection — Principle of effectiveness — Interpretation in conformity with EU law.
Case C-407/18. (2019)
Language: Croatian

Addiko Bank, s jedne strane, te A. i J. Kuhar, s druge strane, sklopili su ugovor o hipotekarnom kreditu u obliku neposredno izvršivog javnobilježničkog akta radi financiranja kupnje stana (u daljnjem tekstu: predmetni javnobilježnički akt). Kredit je bio izražen u švicarskim francima (CHF), ali su A. i J. Kuhar rate morali otplaćivati u eurima po referentnom tečaju Europske središnje banke na plan uplate. Kamatna stopa bila je vezana za stopu šestomjesečnog LIBOR CHF‑a.
Budući da A. i J. Kuhar nisu podmirivali obveze, Addiko Bank je Okrajnom sodišču v Gornji Radgoni (Općinski sud u Gornjoj Radgoni, Slovenija) podnio prijedlog, na osnovi predmetnog javnobilježničkog akta, za određivanje prisilnog izvršenja tog akta.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
  "Addiko Bank"[shape=doubleoctagon];
  "A. i J. Kuhar Jožef Kuhar"[shape=doubleoctagon];
  "A. i J. Kuhar Aleš Kuhar"[shape=doubleoctagon];
  "Okrajno sodišče v Gornji Radgoni (Okrajnom sodišču v Gornji Radgoni (Općinski sud u Gornjoj Radgoni, Slovenija))"[shape=doubleoctagon];
    
  "Addiko Bank"->"A. i J. Kuhar Jožef Kuhar"[label="ugovor o hipotekarnom kreditu"dir=none];
  "Addiko Bank"->"A. i J. Kuhar Aleš Kuhar"[label="ugovor o hipotekarnom kreditu"dir=none];
  "A. i J. Kuhar Jožef Kuhar"->"Addiko Bank"[label="A. i J. Kuhar rate morali otplaćivati u eurima"];
  "A. i J. Kuhar Jožef Kuhar"->"A. i J. Kuhar nisu podmirivali obveze"[dir=none];
  "Addiko Bank"->"Primijenio nalog za izvršenje";
  "Primijenio nalog za izvršenje"->"Okrajno sodišče v Gornji Radgoni (Okrajnom sodišču v Gornji Radgoni (Općinski sud u Gornjoj Radgoni, Slovenija))";
  "Primijenio nalog za izvršenje"->"predmetni javnobilježnički akt"[dir=none];
}
Judgment of the Court (Eighth Chamber) of 26 June 2019.
Aleš Kuhar and Jožef Kuhar v Addiko Bank d.d.
Request for a preliminary ruling from the Višje sodišče v Mariboru.
Reference for a preliminary ruling — Unfair terms in consumer contracts — Directive 93/13/EEC — Proceedings for enforcement of a mortgage claim — Directly enforceable notarial instrument — Judicial review of unfair terms — Suspension of enforcement — Lack of competence of the court before which the application for enforcement has been brought — Consumer protection — Principle of effectiveness — Interpretation in conformity with EU law.
Case C-407/18. (2019)
Language: Italian

La Addiko Bank e i sigg. Kuhar hanno stipulato un contratto di mutuo ipotecario, sotto forma di un atto notarile direttamente esecutivo, destinato a finanziare l’acquisto di un’abitazione (in prosieguo: l’«atto notarile di cui trattasi»). Il credito era espresso in franchi svizzeri (CHF); tuttavia i sigg. Kuhar erano tenuti al pagamento delle rate mensili di rimborso in euro, al tasso di riferimento della Banca centrale europea (BCE) alla data del pagamento. Il tasso d’interesse era collegato al tasso LIBOR CHF a sei mesi.
Poiché i sigg. Kuhar permanevano inadempienti nei pagamenti, la Addiko Bank ha proposto, sulla base dell’atto notarile di cui trattasi, una domanda dinanzi all’Okrajno sodišče v Gornji Radgoni (Tribunale circoscrizionale di Gornja Radgona, Slovenia) per far sì che fosse disposta l’esecuzione forzata di tale atto.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
  "Addiko Bank"[shape=doubleoctagon];
  "Kuhar Jožef Kuhar"[shape=doubleoctagon];
  "Kuhar Aleš Kuhar"[shape=doubleoctagon];
  "Okrajno sodišče v Gornji Radgoni (Tribunale circoscrizionale di Gornja Radgona, Slovenia)"[shape=doubleoctagon];
    
  "Addiko Bank"->"Kuhar Jožef Kuhar"[label="un contratto di mutuo ipotecario"dir=none];
  "Addiko Bank"->"Kuhar Aleš Kuhar"[label="un contratto di mutuo ipotecario"dir=none];
  "Kuhar Jožef Kuhar"->"Addiko Bank"[label="rate mensili di rimborso in euro"];
  "Kuhar Jožef Kuhar"->"permanevano inadempienti"[dir=none];
  "Addiko Bank"->"Applicazione di un titolo esecutivo";
  "Applicazione di un titolo esecutivo"->"Okrajno sodišče v Gornji Radgoni (Tribunale circoscrizionale di Gornja Radgona, Slovenia)";
  "Applicazione di un titolo esecutivo"->"l’«atto notarile di cui trattasi»"[dir=none];
}
Judgment of the Court (Eighth Chamber) of 26 June 2019.
Aleš Kuhar and Jožef Kuhar v Addiko Bank d.d.
Request for a preliminary ruling from the Višje sodišče v Mariboru.
Reference for a preliminary ruling — Unfair terms in consumer contracts — Directive 93/13/EEC — Proceedings for enforcement of a mortgage claim — Directly enforceable notarial instrument — Judicial review of unfair terms — Suspension of enforcement — Lack of competence of the court before which the application for enforcement has been brought — Consumer protection — Principle of effectiveness — Interpretation in conformity with EU law.
Case C-407/18. (2019)
Language: Latvian

 Addiko Bank un A. un J. Kuhar noslēdza hipotekārā kredīta līgumu mājokļa iegādes finansēšanai tieši izpildāma notariālā akta formā (turpmāk tekstā – “attiecīgais notariālais akts”). Kredīts bija izteikts Šveices frankos (CHF), bet A. un J. Kuhar bija jāveic atmaksas ikmēneša maksājumi euro pēc Eiropas Centrālās bankas (ECB) valūtas maiņas kursa maksājuma dienā. Procentu likme bija piesaistīta sešu mēnešu CHF LIBOR likmei.
Tā kā A. un J. Kuhar neveica maksājumus, Addiko Bank, pamatojoties uz attiecīgo notariālo, aktu iesniedza pieteikumu Okrajno sodišče v Gornji Radgoni (Gorņi Radgonas rajona tiesa, Slovēnija) uzdot šī akta piespiedu izpildi.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
  "Addiko Bank"[shape=doubleoctagon];
  "A. un J. Kuhar Jožef Kuhar"[shape=doubleoctagon];
  "A. un J. Kuhar Aleš Kuhar"[shape=doubleoctagon];
  "Okrajno sodišče v Gornji Radgoni (Gorņi Radgonas rajona tiesa, Slovēnija)"[shape=doubleoctagon];
    
  "Addiko Bank"->"A. un J. Kuhar Jožef Kuhar"[label="hipotekārā kredīta līgumu"dir=none];
  "Addiko Bank"->"A. un J. Kuhar Aleš Kuhar"[label="hipotekārā kredīta līgumu"dir=none];
  "A. un J. Kuhar Jožef Kuhar"->"Addiko Bank"[label="atmaksas ikmēneša maksājumi euro"];
  "A. un J. Kuhar Jožef Kuhar"->"A. un J. Kuhar neveica maksājumus"[dir=none];
  "Addiko Bank"->"uzdot šī akta piespiedu izpildi.";
  "uzdot šī akta piespiedu izpildi."->"Okrajno sodišče v Gornji Radgoni (Gorņi Radgonas rajona tiesa, Slovēnija)";
  "uzdot šī akta piespiedu izpildi."->"attiecīgais notariālais akts"[dir=none];
}
Judgment of the Court (Eighth Chamber) of 26 June 2019.
Aleš Kuhar and Jožef Kuhar v Addiko Bank d.d.
Request for a preliminary ruling from the Višje sodišče v Mariboru.
Reference for a preliminary ruling — Unfair terms in consumer contracts — Directive 93/13/EEC — Proceedings for enforcement of a mortgage claim — Directly enforceable notarial instrument — Judicial review of unfair terms — Suspension of enforcement — Lack of competence of the court before which the application for enforcement has been brought — Consumer protection — Principle of effectiveness — Interpretation in conformity with EU law.
Case C-407/18. (2019)
Language: Lithuanian

Addiko Bank ir A. bei J. Kuhar pasirašė hipoteka užtikrintą paskolos sutartį, kuri buvo įforminta tiesiogiai vykdytinu notariniu aktu ir kuri buvo skirta finansuoti būsto pirkimui (toliau – ginčijamas notarinis aktas). Paskola buvo išreikšta Šveicarijos frankais (CHF), bet mėnesines grąžinimo įmokas A. ir J. Kuhar turėjo atlikti eurais pagal mokėjimo dieną galiojantį Europos Centrinio Banko nustatytą valiutos kursą. Palūkanų norma buvo susieta su šešių mėnesių LIBOR CHF palūkanų norma.
Kadangi A. ir J. Kuhar neatliko mokėjimų, remdamasis ginčijamu notariniu aktu Addiko Bank pateikė prašymą Okrajno sodišče v Gornji Radgoni (Gornja Radgona kantono teismas, Slovėnija), kad šis nurodytų priverstinai vykdyti šį aktą.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
  "Addiko Bank"[shape=doubleoctagon];
  "A. ir J. Kuhar Jožef Kuhar"[shape=doubleoctagon];
  "A. ir J. Kuhar Aleš Kuhar"[shape=doubleoctagon];
  "Okrajno sodišče v Gornji Radgoni (Okrajno sodišče v Gornji Radgoni (Gornja Radgona kantono teismas, Slovėnija))"[shape=doubleoctagon];
    
  "Addiko Bank"->"A. ir J. Kuhar Jožef Kuhar"[label="hipoteka užtikrintą paskolos sutartį"dir=none];
  "Addiko Bank"->"A. ir J. Kuhar Aleš Kuhar"[label="hipoteka užtikrintą paskolos sutartį"dir=none];
  "A. ir J. Kuhar Jožef Kuhar"->"Addiko Bank"[label="mėnesines grąžinimo įmokas eurais"];
  "A. ir J. Kuhar Jožef Kuhar"->"A. ir J. Kuhar neatliko mokėjimų,"[dir=none];
  "Addiko Bank"->"Pateikė vykdomąjį raštą";
  "Pateikė vykdomąjį raštą"->"Okrajno sodišče v Gornji Radgoni (Okrajno sodišče v Gornji Radgoni (Gornja Radgona kantono teismas, Slovėnija))";
  "Pateikė vykdomąjį raštą"->"ginčijamas notarinis aktas"[dir=none];
}