This document is an excerpt from the EUR-Lex website
Document 62021CA0555
Case C-555/21, UniCredit Bank Austria: Judgment of the Court (Third Chamber) of 9 February 2023 (request for a preliminary ruling from the Oberster Gerichtshof — Austria) — UniCredit Bank Austria AG v Verein für Konsumenteninformation (Reference for a preliminary ruling — Consumer protection — Directive 2014/17/EU — Credit agreements for consumers relating to residential immovable property — Article 25(1) — Early repayment — Consumer’s right to a reduction in the total cost of the credit, consisting of the interest and the costs for the remaining duration of the contract — Article 4(13) — Concept of ‘total cost of the credit to the consumer’ — Costs that are independent of the duration of the agreement)
Case C-555/21, UniCredit Bank Austria: Judgment of the Court (Third Chamber) of 9 February 2023 (request for a preliminary ruling from the Oberster Gerichtshof — Austria) — UniCredit Bank Austria AG v Verein für Konsumenteninformation (Reference for a preliminary ruling — Consumer protection — Directive 2014/17/EU — Credit agreements for consumers relating to residential immovable property — Article 25(1) — Early repayment — Consumer’s right to a reduction in the total cost of the credit, consisting of the interest and the costs for the remaining duration of the contract — Article 4(13) — Concept of ‘total cost of the credit to the consumer’ — Costs that are independent of the duration of the agreement)
Case C-555/21, UniCredit Bank Austria: Judgment of the Court (Third Chamber) of 9 February 2023 (request for a preliminary ruling from the Oberster Gerichtshof — Austria) — UniCredit Bank Austria AG v Verein für Konsumenteninformation (Reference for a preliminary ruling — Consumer protection — Directive 2014/17/EU — Credit agreements for consumers relating to residential immovable property — Article 25(1) — Early repayment — Consumer’s right to a reduction in the total cost of the credit, consisting of the interest and the costs for the remaining duration of the contract — Article 4(13) — Concept of ‘total cost of the credit to the consumer’ — Costs that are independent of the duration of the agreement)
OJ C 112, 27.3.2023, p. 5–5
(BG, ES, CS, DA, DE, ET, EL, EN, FR, GA, HR, IT, LV, LT, HU, MT, NL, PL, PT, RO, SK, SL, FI, SV)
|
27.3.2023 |
EN |
Official Journal of the European Union |
C 112/5 |
Judgment of the Court (Third Chamber) of 9 February 2023 (request for a preliminary ruling from the Oberster Gerichtshof — Austria) — UniCredit Bank Austria AG v Verein für Konsumenteninformation
(Case C-555/21, (1) UniCredit Bank Austria)
(Reference for a preliminary ruling - Consumer protection - Directive 2014/17/EU - Credit agreements for consumers relating to residential immovable property - Article 25(1) - Early repayment - Consumer’s right to a reduction in the total cost of the credit, consisting of the interest and the costs for the remaining duration of the contract - Article 4(13) - Concept of ‘total cost of the credit to the consumer’ - Costs that are independent of the duration of the agreement)
(2023/C 112/06)
Language of the case: German
Referring court
Oberster Gerichtshof
Parties to the main proceedings
Applicant: UniCredit Bank Austria AG
Defendant: Verein für Konsumenteninformation
Operative part of the judgment
Article 25(1) of 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
must be interpreted as not precluding national legislation which provides that the consumer’s right to a reduction in the total cost of the credit in the event of early repayment of that credit includes only interest and costs which are dependent on the duration of the contract.