1.

Is Article 4(28) of Directive 2014/17/EU (1) of the European Parliament and of the Council 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 to be interpreted as meaning that, where a loan is taken out jointly by two consumers and one of these, but not the other, satisfies the conditions laid down in (a) or (b) of that provision, the loan is still a foreign currency loan?

2.

Is Article 23 of Directive 2014/17/EU to be interpreted as meaning that, where a loan is taken out jointly by two consumers and one of them, but not the other, satisfies the conditions laid down in Article 4(28)(a) or (b) of that Directive, the consumer who satisfies those conditions may individually request the conversion of the loan into an alternative currency?

If the second question is answered in the negative:

3.

Is Article 23 of Directive 2014/17/EU to be interpreted as meaning that, where a loan is taken out jointly by two consumers and one of them, but not the other, satisfies the conditions laid down in Article 4(28)(a) or (b) of that Directive, the consumer who satisfies those conditions may request the conversion of the loan into an alternative currency with the consent of the other consumer or jointly with the other consumer?