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Document 62023CA0677
Case C-677/23, Slovenská sporiteľňa (Information in consumer credit agreements): Judgment of the Court (Seventh Chamber) of 23 January 2025 (request for a preliminary ruling from the Krajský súd v Prešove – Slovakia) – A. B., F. B. v Slovenská sporitel’ňa a.s. (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)
Case C-677/23, Slovenská sporiteľňa (Information in consumer credit agreements): Judgment of the Court (Seventh Chamber) of 23 January 2025 (request for a preliminary ruling from the Krajský súd v Prešove – Slovakia) – A. B., F. B. v Slovenská sporitel’ňa a.s. (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)
Case C-677/23, Slovenská sporiteľňa (Information in consumer credit agreements): Judgment of the Court (Seventh Chamber) of 23 January 2025 (request for a preliminary ruling from the Krajský súd v Prešove – Slovakia) – A. B., F. B. v Slovenská sporitel’ňa a.s. (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)
OJ C, C/2025/1518, 17.3.2025, ELI: http://data.europa.eu/eli/C/2025/1518/oj (BG, ES, CS, DA, DE, ET, EL, EN, FR, GA, HR, IT, LV, LT, HU, MT, NL, PL, PT, RO, SK, SL, FI, SV)
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Official Journal |
EN C series |
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C/2025/1518 |
17.3.2025 |
Judgment of the Court (Seventh Chamber) of 23 January 2025 (request for a preliminary ruling from the Krajský súd v Prešove – Slovakia) – A. B., F. B. v Slovenská sporitel’ňa a.s.
(Case C-677/23, (1) Slovenská sporiteľňa (Information in consumer credit agreements))
(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)
(C/2025/1518)
Language of the case: Slovak
Referring court
Krajský súd v Prešove
Parties to the main proceedings
Applicants: A. B., F. B.
Defendant: Slovenská sporitel’ňa a.s.
Operative part of the judgment
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1. |
Article 10(2)(c) of Directive 2008/48/EC of the European Parliament and of the Council of 23 April 2008 on credit agreements for consumers and repealing Council Directive 87/102/EEC, as amended by Commission Directive 2011/90/EU of 14 November 2011, must be interpreted as meaning that a credit agreement need not necessarily specify the duration of that agreement expressly, provided that the terms of that agreement enable the consumer to determine that duration without difficulty and with certainty. |
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2. |
Article 10(2)(g) of Directive 2008/48, as amended by Directive 2011/90, must be interpreted as meaning that the assumptions used in order to calculate the annual percentage rate of charge (APRC) must be expressly identified in the credit agreement and that it is not sufficient in that regard that the consumer may himself or herself identify them by examining the terms of that agreement. |
(1) OJ C C/2024/1244.
ELI: http://data.europa.eu/eli/C/2025/1518/oj
ISSN 1977-091X (electronic edition)