C-76/22QI v Santander Bank Polska S.A

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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 – Article 4(13) – Concept of ‘total cost of the credit to the consumer’ – Costs that are dependent on the duration of the contract – Commission for granting the credit payable when concluding the contract – Methodology for calculating the reduction.

Interprets