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Document 62025CN0226

Case C-226/25, VR Bank: Request for a preliminary ruling from the Landgerichts Ravensburg (Germany) lodged on 24 March 2025 – UR, VM v VR Bank Bodensee-Oberschwaben

OJ C, C/2025/3498, 7.7.2025, ELI: http://data.europa.eu/eli/C/2025/3498/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)

ELI: http://data.europa.eu/eli/C/2025/3498/oj

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Official Journal
of the European Union

EN

C series

C/2025/3498

7.7.2025

Request for a preliminary ruling from the Landgerichts Ravensburg (Germany) lodged on 24 March 2025 – UR, VM v VR Bank Bodensee-Oberschwaben

(Case C-226/25, VR Bank)

(C/2025/3498)

Language of the case: German

Referring court

Landgericht Ravensburg

Parties to the main proceedings

Applicants: UR, VM

Defendant: VR Bank Bodensee-Oberschwaben eG

Questions referred

1.

When calculating fair and objective compensation to which the creditor is entitled for costs directly linked to the early repayment of credit pursuant to Article 25(3) of Directive 2014/17/EU, (1) must the fact that the creditor has the opportunity to grant, as new credit, the remaining amount of the credit repaid early by the borrower be regarded as having a loss-reducing effect?

If answered in the negative:

In what other way can the referring court ensure that the creditor is not enriched by the hypothetical calculation of compensation pursuant to Article 25(3) of Directive 2014/17/EU?

2.

Does EU law allow the creditor to apply negative interest rates with respect to the hypothetical reinvestment of the amount of the credit repaid early when calculating the fair and objective compensation referred to in the first question above?

(1)  Directive 2014/17/EU of the European Parliament and of the Council of 4 February 2014 on credit agreements for consumers relating to residential immovable property and amending Directives 2008/48/EC and 2013/36/EU and Regulation (EU) No 1093/2010 (OJ 2014 L 60, p. 34).

ELI: http://data.europa.eu/eli/C/2025/3498/oj

ISSN 1977-091X (electronic edition)

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