C-254/22AW and PN v Caixabank SA

Domstolens egne nøkkelord

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 – Directive 2014/17/EU – Mortgage loan – Variable interest rate – Term providing for the application of an interest rate calculated on the basis of a mortgage loan reference index (IRPH) plus 0.50% – Criteria for assessing whether such a term is unfair – Requirements of good faith, balance and transparency – Consequences of a finding that the term is unfair.

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