C-79/21YB v Unión de Créditos Inmobiliarios SA

The court's own keywords

Reference for a preliminary ruling – Articles 53 and 99 of the Rules of Procedure of the Court – Consumer protection – Directive 93/13/EEC – Unfair terms in consumer contracts – Mortgage loan agreement – Variable interest rate – Mortgage loan reference index (IRPH) – Review of transparency by the national court – Duty to provide information – Assessment of the unfair nature of contractual terms – Requirements of good faith, balance and transparency – Consequences of a declaration of nullity.

Interprets