Case C‑536/22

MW
and
CY

v

VR Bank Ravensburg-Weingarten eG

(Request for a preliminary ruling from the Landgericht Ravensburg)

Judgment of the Court (Fifth Chamber) of 14 March 2024

(Reference for a preliminary ruling – Consumer protection – Directive 2014/17/EU – Article 25(3) – Credit agreements for consumers relating to residential immovable property – Early repayment – Compensation of the creditor – Loss of profit of the creditor – Method of calculating loss of profit)

1. Consumer protection – Credit agreements for consumers relating to residential immovable property – Directive 2014/17 – Execution of credit agreements and related rights – Early repayment – Scope – Early repayment under the conditions laid down by national legislation – Included

   (European Parliament and Council Directive 2014/17, Art. 25)

   (see paragraphs 28-33, operative part 1)

2. Consumer protection – Credit agreements for consumers relating to residential immovable property – Directive 2014/17 – Execution of credit agreements and related rights – Early repayment – Compensation of the creditor – Method of calculation – Elements to be taken into consideration – National legislation providing for the loss of profit of the creditor to be taken into account – Whether permissible – Conditions

   (European Parliament and Council Directive 2014/17, Art. 25(3), first sentence)

   (see paragraphs 38-48, operative part 2)

3. Consumer protection – Credit agreements for consumers relating to residential immovable property – Directive 2014/17 – Execution of credit agreements and related rights – Early repayment – Compensation of the creditor – Account taken of the loss of profit of the creditor – Method of calculation – Requirements – Fair and objective remuneration not exceeding the financial loss of the creditor and not in the nature of a penalty for the consumer – Included – Actual use of the amount repaid early – Not included

   (European Parliament and Council Directive 2014/17, Art. 25(3))

   (see paragraphs 51-54, operative part 3)

See the text of the decision.