Case C‑347/23 [Zabitoń] ( i )

LB
and
JL

v

Getin Noble Bank S.A.

(Request for a preliminary ruling from the Sąd Okręgowy w Warszawie)

Judgment of the Court (Tenth Chamber) of 24 October 2024

(Reference for a preliminary ruling – Consumer protection – Directive 93/13/EEC – Unfair terms in consumer contracts – Article 2(b) – Concept of ‘consumer’ – Mortgage loan agreement indexed to a foreign currency – Natural person who has acquired a residential property to be leased for consideration)

Consumer protection – Unfair terms in consumer contracts – Directive 93/13 – Concept of consumer – Natural person who has entered into a loan agreement for the purchase of a residential property to be leased for consideration – Included – Conditions – Natural person acting for purposes which are outside his or her trade, business or profession – Individual seeking to earn income from the management of that property – Not relevant

(Council Directive 93/13, Art. 2(b))

(see paragraphs 29-31, 33-36 and operative part)

See the text of the decision.

( i ) The name of the present case is a fictitious name. It does not correspond to the real name of any party to the proceedings.