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CELEX 62014CJ0032

Judgment of the Court (Third Chamber) of 1 October 2015.#ERSTE Bank Hungary Zrt v Attila Sugár.#Request for a preliminary ruling from the Fővárosi Törvényszék.#Reference for a preliminary ruling — Directive 93/13/EEC — Unfair terms in consumer contracts concluded between a seller or supplier and a consumer — Mortgage loan agreement — Article 7(1) — Stopping the use of unfair terms — Adequate and effective means — Acknowledgement of the debt — Notarised instrument — Affixation of the enforcement clause by a notary — Enforceable order — Notary’s obligations — Examination by the national court of its own motion of unfair terms — Judicial review — Principles of equivalence and effectiveness.#Case C-32/14.

decidedEuropean Union· Court of Justice of the European Union· EN

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1 October 2015

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1 October 2015 · Decided

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1 October 2015

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Official record CELEX 62014CJ0032 from European Union at Court of Justice of the European Union. Dated 1 October 2015. Status: decided.

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  1. 1 October 2015

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Judgment of the Court - 1 October 2015#ERSTE Bank Hungary#Case C-32/14

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  • Judgment of the Court - 1 October 2015#ERSTE Bank Hungary#Case C-32/14

    judgment · GA · 1 October 2015

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  • Wyrok Trybunału (trzecia izba) z dnia 1 października 2015 r.#ERSTE Bank Hungary Zrt przeciwko Attili Sugárowi.#Wniosek o wydanie orzeczenia w trybie prejudycjalnym złożony przez Fővárosi Törvényszék.#Odesłanie prejudycjalne – Dyrektywa 93/13/EWG – Nieuczciwe warunki w umowach zawieranych między przedsiębiorcą a konsumentem – Umowa pożyczki hipotecznej – Artykuł 7 ust. 1 – Zaprzestanie stosowania nieuczciwych warunków umownych – Stosowne i skuteczne środki – Uznanie długu – Akt notarialny – Nadanie klauzuli wykonalności przez notariusza – Tytuł wykonawczy – Obowiązki notariusza – Badanie z urzędu nieuczciwych warunków umownych – Kontrola sądowa – Zasady równoważności i skuteczności.#Sprawa C-32/14.

    judgment · PL · 1 October 2015

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  • Απόφαση του Δικαστηρίου (τρίτο τμήμα) της 1ης Οκτωβρίου 2015.#ERSTE Bank Hungary Zrt κατά Attila Sugár.#Αίτηση του Fővárosi Törvényszék για την έκδοση προδικαστικής αποφάσεως.#Προδικαστική παραπομπή — Οδηγία 93/13/ΕΟΚ — Καταχρηστικές ρήτρες των συμβάσεων που συνάπτονται μεταξύ επαγγελματία και καταναλωτή — Σύμβαση ενυπόθηκου δανείου — Άρθρο 7, παράγραφος 1 — Παύση χρήσεως καταχρηστικών ρητρών — Κατάλληλα και αποτελεσματικά μέσα — Αναγνώριση χρέους — Συμβολαιογραφική πράξη — Περιαφή εκτελεστήριου τύπου από συμβολαιογράφο — Εκτελεστός τίτλος — Υποχρεώσεις του συμβολαιογράφου — Αυτεπάγγελτος έλεγχος των καταχρηστικών ρητρών — Δικαστικός έλεγχος — Αρχές της ισοδυναμίας και της αποτελεσματικότητας.#Υπόθεση C-32/14.

    judgment · EL · 1 October 2015

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  • Acórdão do Tribunal de Justiça (Terceira Secção) de 1 de outubro de 2015.#ERSTE Bank Hungary Zrt. contra Attila Sugár.#Pedido de decisão prejudicial apresentado pelo Fővárosi Törvényszék.#Reenvio prejudicial — Diretiva 93/13/CEE — Cláusulas abusivas em contratos celebrados entre um profissional e um consumidor — Contrato de mútuo hipotecário — Artigo 7.°, n.° 1 — Cessação da utilização de cláusulas abusivas — Meios adequados e eficazes — Reconhecimento de dívida — Ato notarial — Aposição da fórmula executória por um notário — Título executivo — Obrigações do notário — Apreciação oficiosa das cláusulas abusivas — Fiscalização jurisdicional — Princípios da equivalência e da efetividade.#Processo C-32/14.

    judgment · PT · 1 October 2015

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  • Urteil des Gerichtshofs (Dritte Kammer) vom 1. Oktober 2015.#ERSTE Bank Hungary Zrt gegen Attila Sugár.#Vorabentscheidungsersuchen des Fővárosi Törvényszék.#Vorlage zur Vorabentscheidung – Richtlinie 93/13/EWG – Missbräuchliche Klauseln in Verträgen zwischen Gewerbetreibenden und Verbrauchern – Hypothekendarlehensvertrag – Art. 7 Abs. 1 – Unterlassung der Verwendung missbräuchlicher Klauseln – Angemessene und wirksame Mittel – Schuldanerkenntnis – Notarielle Beurkundung – Erteilung einer Vollstreckungsklausel durch einen Notar – Vollstreckungstitel – Pflichten des Notars – Prüfung missbräuchlicher Klauseln von Amts wegen – Gerichtliche Kontrolle – Grundsätze der Äquivalenz und der Effektivität.#Rechtssache C-32/14.

    judgment · DE · 1 October 2015

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  • Presuda Suda (treće vijeće) od 1. listopada 2015.#ERSTE Bank Hungary Zrt protiv Attile Sugára.#Zahtjev za prethodnu odluku koji je uputio Fővárosi Törvényszék.#Zahtjev za prethodnu odluku – Direktiva 93/13/EEZ – Nepošteni uvjeti u ugovorima koje je prodavatelj robe ili pružatelj usluge sklopio s potrošačem – Ugovor o hipotekarnom zajmu – Članak 7. stavak 1. – Sprječavanje korištenja nepoštenih uvjeta – Odgovarajuća i djelotvorna sredstva – Priznanje duga – Javnobilježnički akt – Izdavanje potvrde o ovršnosti od strane javnog bilježnika – Ovršna isprava – Obveze javnog bilježnika – Ispitivanja nepoštenih uvjeta po službenoj dužnosti – Sudski nadzor – Načela ekvivalentnosti i djelotvornosti.#Predmet C-32/14.

    judgment · HR · 1 October 2015

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  • 2015 m. spalio 1 d. Teisingumo Teismo (trečioji kolegija) sprendimas.#ERSTE Bank Hungary Zrt prieš Attila Sugár.#Fővárosi Törvényszék prašymas priimti prejudicinį sprendimą.#Prašymas priimti prejudicinį sprendimą – Direktyva 93/13/EEB – Nesąžiningos sąlygos pardavėjų ar tiekėjų ir vartotojų sudarytose sutartyse – Hipoteka užtikrintos paskolos sutartis – 7 straipsnio 1 dalis – Nesąžiningų sąlygų naudojimo nutraukimas – Pakankamos ir veiksmingos priemonės – Skolos pripažinimas – Notarinis dokumentas – Notaro daromas vykdomasis įrašas – Vykdomasis dokumentas – Notaro pareigos – Nesąžiningų sąlygų vertinimas ex officio – Teisminė kontrolė – Lygiavertiškumo ir veiksmingumo principai.#Byla C-32/14.

    judgment · LT · 1 October 2015

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  • Tiesas spriedums (trešā palāta) 2015. gada 1. oktobrī.#ERSTE Bank Hungary Zrt pret Attila Sugár.#Fővárosi Törvényszék lūgums sniegt prejudiciālu nolēmumu.#Lūgums sniegt prejudiciālu nolēmumu – Direktīva 93/13/EEK – Negodīgi noteikumi līgumos, ko slēdz starp pārdevēju vai piegādātāju un patērētāju – Hipotekārā aizdevuma līgums – 7. panta 1. punkts – Negodīgu noteikumu izmantošanas izbeigšana – Atbilstoši un efektīvi līdzekļi – Parāda atzīšana – Notariālais akts – Notāra izdarīta atzīme par izpildāmību – Izpildu dokuments – Notāra pienākumi – Negodīgu noteikumu pārbaude pēc savas ierosmes – Pārbaude tiesā – Līdzvērtības un efektivitātes principi.#Lieta C-32/14.

    judgment · LV · 1 October 2015

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  • Sentenza della Corte (Terza Sezione) del 1° ottobre 2015.#ERSTE Bank Hungary Zrt contro Attila Sugár.#Domanda di pronuncia pregiudiziale proposta dal Fővárosi Törvényszék.#Rinvio pregiudiziale – Direttiva 93/13/CEE – Clausole abusive nei contratti stipulati tra un professionista e un consumatore – Contratto di prestito ipotecario – Articolo 7, paragrafo 1 – Cessazione dell’inserzione di clausole abusive – Mezzi adeguati ed efficaci – Riconoscimento di debito – Atto notarile – Apposizione della formula esecutiva da parte di un notaio – Titolo esecutivo – Obblighi del notaio – Esame d’ufficio delle clausole abusive – Sindacato giurisdizionale – Principi di equivalenza e di effettività.#Causa C-32/14.

    judgment · IT · 1 October 2015

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  • Sodba Sodišča (tretji senat) z dne 1. oktobra 2015.#ERSTE Bank Hungary Zrt proti Attila Sugár.#Predlog za sprejetje predhodne odločbe, ki ga je vložilo Fővárosi Törvényszék.#Predhodno odločanje – Direktiva 93/13/EGS – Nepošteni pogoji v pogodbah, sklenjenih med prodajalcem ali ponudnikom in potrošnikom – Pogodba o hipotekarnem kreditu – Člen 7(1) – Preprečitev nadaljnje uporabe nepoštenih pogojev – Ustrezna in učinkovita sredstva – Pripoznava dolga – Notarska listina – Izdaja potrdila o izvršljivosti s strani notarja – Izvršilni naslov – Obveznosti notarja – Preizkus nepoštenih pogojev po uradni dolžnosti – Sodni nadzor – Načeli enakovrednosti in učinkovitosti.#Zadeva C-32/14.

    judgment · SL · 1 October 2015

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  • Rozsudok Súdneho dvora (tretia komora) z 1. októbra 2015.#ERSTE Bank Hungary Zrt proti Attilovi Sugárovi.#Návrh na začatie prejudiciálneho konania, ktorý podal Fővárosi Törvényszék.#Návrh na začatie prejudiciálneho konania – Smernica 93/13/EHS – Nekalé podmienky v spotrebiteľských zmluvách – Zmluva o hypotekárnom úvere – Článok 7 ods. 1 – Ukončenie používania nekalých podmienok – Primerané a účinné prostriedky – Uznanie dlhu – Notárska zápisnica – Pripojenie doložky vykonateľnosti notárom – Exekučný titul – Povinnosti notára – Preskúmanie nekalých podmienok ex offo – Súdne preskúmanie – Zásady ekvivalencie a efektivity.#Vec C-32/14.

    judgment · SK · 1 October 2015

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  • Rozsudek Soudního dvora (třetího senátu) ze dne 1. října 2015.#ERSTE Bank Hungary Zrt v. Attila Sugár.#Žádost o rozhodnutí o předběžné otázce podaná Fővárosi Törvényszék.#Řízení o předběžné otázce – Směrnice 93/13/EHS – Zneužívající klauzule ve smlouvách uzavíraných mezi prodávajícím zboží nebo poskytovatelem služeb a spotřebitelem – Smlouva o hypoteční půjčce – Článek 7 odstavec 1 – Ukončení používání zneužívajících klauzulí – Přiměřené a účinné prostředky – Uznání dluhu – Notářská listina – Připojení doložky vykonatelnosti notářem – Exekuční titul – Povinnosti notáře – Přezkum zneužívajících klauzulí z úřední povinnosti – Soudní přezkum – Zásady rovnocennosti a efektivity.#Věc C-32/14.

    judgment · CS · 1 October 2015

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  • Domstolens dom (tredje avdelningen) av den 1 oktober 2015.#ERSTE Bank Hungary Zrt mot Attila Sugár.#Begäran om förhandsavgörande från Fővárosi Törvényszék.#Begäran om förhandsavgörande – Direktiv 93/13/EEG – Oskäliga villkor i avtal som sluts mellan en näringsidkare och en konsument – Avtal om hypotekslån – Artikel 7.1 – Användningen av oskäliga avtalsvillkor har upphört – Lämpliga och effektiva medel – Skuldebrev – Notariebestyrkt handling – Införande av en verkställighetsstämpel av en notarie – Exekutionstitel – Notariens skyldigheter – Prövning ex officio av oskäliga villkor – Domstolsprövning – Likvärdighetsprincipen och effektivitetsprincipen.#Mål C-32/14.

    judgment · SV · 1 October 2015

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  • Hotărârea Curții (Camera a treia) din 1 octombrie 2015.#ERSTE Bank Hungary Zrt împotriva Attila Sugár.#Cerere de decizie preliminară formulată de Fővárosi Törvényszék.#Trimitere preliminară – Directiva 93/13/CEE – Clauze abuzive în contractele încheiate între un profesionist și un consumator – Contract de împrumut ipotecar – Articolul 7 alineatul (1) – Încetarea utilizării unor clauze abuzive – Mijloace adecvate și eficiente – Recunoaștere de datorie – Act notarial – Aplicarea formulei executorii de către un notar – Titlu executoriu – Obligațiile notarului – Examinări din oficiu ale clauzelor abuzive – Control jurisdicțional – Principiile efectivității și echivalenței.#Cauza C-32/14.

    judgment · RO · 1 October 2015

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  • A Bíróság ítélete (harmadik tanács), 2015. október 1‑je.#ERSTE Bank Hungary Zrt kontra Sugár Attila.#A Fővárosi Törvényszék (Magyarország) által benyújtott előzetes döntéshozatal iránti kérelem.#Előzetes döntéshozatal iránti kérelem – 93/13/EGK irányelv – Az eladó vagy szolgáltató és a fogyasztó között létrejött szerződésekben alkalmazott tisztességtelen feltételek – Jelzálogkölcsön‑szerződés – A 7. cikk (1) bekezdése – A tisztességtelen feltételek alkalmazásának megszüntetése – Megfelelő és hatékony eszközök – Kötelezettségvállaló nyilatkozat – Közjegyzői okirat – A végrehajtási záradék közjegyző általi kiállítása – Végrehajtható okirat – A közjegyző kötelezettségei – A tisztességtelen feltételek hivatalból történő vizsgálatai – Bírósági felülvizsgálat – Az egyenértékűség és a tényleges érvényesülés elve.#C-32/14. sz. ügy.

    judgment · HU · 1 October 2015

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  • Arrest van het Hof (Derde kamer) van 1 oktober 2015.#ERSTE Bank Hungary Zrt tegen Attila Sugár.#Verzoek van de Fővárosi Törvényszék om een prejudiciële beslissing.#Prejudiciële verwijzing – Richtlijn 93/13/EEG – Oneerlijke bedingen in consumentenovereenkomsten – Hypothecaire leningsovereenkomst – Artikel 7, lid 1 – Beëindiging van het gebruik van oneerlijke bedingen – Passende en doeltreffende middelen – Schulderkenning – Notariële akte – Aanbrengen van de formule van tenuitvoerlegging door een notaris – Executoriale titel – Verplichtingen van de notaris – Ambtshalve toetsing van oneerlijke bedingen – Rechterlijke toetsing – Beginselen van gelijkwaardigheid en doeltreffendheid.#Zaak C-32/14.

    judgment · NL · 1 October 2015

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  • Domstolens dom (Tredje Afdeling) af 1. oktober 2015.#ERSTE Bank Hungary Zrt mod Attila Sugár.#Anmodning om præjudiciel afgørelse indgivet af Fővárosi Törvényszék.#Præjudiciel forelæggelse – direktiv 93/13/EØF – urimelige kontraktvilkår i aftaler, der indgås mellem erhvervsdrivende og forbrugere – aftale om lån med pant i fast ejendom – artikel 7, stk. 1 – ophør med anvendelsen af urimelige vilkår – tilstrækkelige og effektive midler – anerkendelse af en fordring – notardokument – en notars meddelelse af fuldbyrdelsespåtegning – tvangsfuldbyrdelsesdokument – notarens forpligtelser – efterprøvelse ex officio af urimelige kontraktvilkår – domstolskontrol – ækvivalensprincippet og effektivitetsprincippet.#Sag C-32/14.

    judgment · DA · 1 October 2015

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  • Unionin tuomioistuimen tuomio (kolmas jaosto) 1.10.2015.#ERSTE Bank Hungary Zrt. vastaan Attila Sugár.#Fővárosi Törvényszékin esittämä ennakkoratkaisupyyntö.#Ennakkoratkaisupyyntö – Direktiivi 93/13/ETY – Elinkeinonharjoittajien ja kuluttajien välisten sopimusten kohtuuttomat ehdot – Lainasopimus, jonka vakuutena on kiinteistökiinnitys – 7 artiklan 1 kohta – Kohtuuttomien ehtojen käytön lopettaminen – Riittävät ja tehokkaat keinot – Velan tunnustaminen – Notaarin vahvistama asiakirja – Notaarin asiakirjoihin liittämä täytäntöönpanolauseke – Täytäntöönpanoperuste – Notaarin velvollisuudet – Kohtuuttomien ehtojen tutkiminen viran puolesta – Tuomioistuinvalvonta – Vastaavuusperiaate ja tehokkuusperiaate.#Asia C-32/14.

    judgment · FI · 1 October 2015

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  • Euroopa Kohtu otsus (kolmas koda), 1.10.2015.#ERSTE Bank Hungary Zrt versus Attila Sugár.#Eelotsusetaotlus, mille on esitanud Fővárosi Törvényszék.#Eelotsusetaotlus – Direktiiv 93/13/EMÜ – Ebaõiglased tingimused müüjate või teenuste osutajate ja tarbijate vahel sõlmitud lepingutes – Hüpoteegilaenu leping – Artikli 7 lõige 1 – Ebaõiglaste tingimuste kasutamise lõpetamine – Piisavad ja tõhusad vahendid – Võla tunnistamine – Notariaalselt tõestatud dokument – Notari poolt dokumendile täidetavust puudutava kinnituse kandmine – Täitedokument – Notari kohustused – Ebaõiglaste tingimuste kontrollimine omal algatusel – Kohtulik kontroll – Võrdväärsuse ja tõhususe põhimõtted.#Kohtuasi C-32/14.

    judgment · ET · 1 October 2015

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  • Sentencia del Tribunal de Justicia (Sala Tercera) de 1 de octubre de 2015.#ERSTE Bank Hungary Zrt contra Attila Sugár.#Petición de decisión prejudicial planteada por el Fővárosi Törvényszék.#Procedimiento prejudicial — Directiva 93/13/CEE — Cláusulas abusivas en los contratos celebrados entre un profesional y un consumidor — Contrato de préstamo hipotecario — Artículo 7, apartado 1 — Cese del uso de cláusulas abusivas — Medios adecuados y eficaces — Reconocimiento de deuda — Documento notarial — Inserción de la apostilla ejecutiva por un notario — Título ejecutivo — Obligaciones del notario — Examen de oficio de las cláusulas abusivas — Control jurisdiccional — Principios de equivalencia y de efectividad.#Asunto C-32/14.

    judgment · ES · 1 October 2015

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  • Arrêt de la Cour (troisième chambre) du 1er octobre 2015.#ERSTE Bank Hungary Zrt. contre Attila Sugár.#Demande de décision préjudicielle, introduite par le Fővárosi Törvényszék.#Renvoi préjudiciel – Directive 93/13/CEE – Clauses abusives dans les contrats conclus entre un professionnel et un consommateur – Contrat de prêt hypothécaire – Article 7, paragraphe 1 – Cessation de l’utilisation de clauses abusives – Moyens adéquats et efficaces – Reconnaissance de dette – Acte notarié – Apposition de la formule exécutoire par un notaire – Titre exécutoire – Obligations du notaire – Examens d’office des clauses abusives – Contrôle juridictionnel – Principes d’équivalence et d’effectivité.#Affaire C-32/14.

    judgment · FR · 1 October 2015

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  • Решение на Съда (трети състав) от 1 октомври 2015 г.#ERSTE Bank Hungary Zrt срещу Attila Sugár.#Преюдициално запитване, отправено от Fővárosi Törvényszék.#Преюдициално запитване — Директива 93/13/ЕИО — Неравноправни клаузи в договорите между продавачите или доставчиците и потребителите — Договор за ипотечен кредит — Член 7, параграф 1 — Предотвратяване на употребата на неравноправните клаузи — Подходящи и ефективни средства — Признание на дълг — Нотариален акт — Отбелязване от нотариус, че актът подлежи на изпълнение — Изпълнително основание — Задължения на нотариуса — Служебна преценка на неравноправните клаузи — Съдебен контрол — Принципи на равностойност и ефективност.#Дело C-32/14.

    judgment · BG · 1 October 2015

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  • Sentenza tal-Qorti tal-Ġustizzja (It-Tielet Awla) tal-1 ta’ Ottubru 2015.#ERSTE Bank Hungary Zrt vs Attila Sugár.#Talba għal deċiżjoni preliminari imressqa minn Fővárosi Törvényszék.#Rinviju għal deċiżjoni preliminari – Direttiva 93/13/KEE – Klawżoli inġusti fil-kuntratti konklużi bejn bejjiegħa jew fornituri u konsumaturi – Kuntratt ta’ self ipotekarju – Artikolu 7(1) – Tmiem tal-użu ta’ klawżoli inġusti – Mezzi adegwati u effikaċi – Rikonoxximent ta’ dejn – Att notarili – Inklużjoni ta’ ordni ta’ infurzar minn nutar – Titolu eżekuttiv – Obbligi tan-nutar – Eżami ex officio tal-klawżoli inġusti – Stħarriġ ġudizzjarju – Prinċipji ta’ ekwivalenza u ta’ effettività.#Kawża C-32/14.

    judgment · MT · 1 October 2015

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  • Judgment of the Court (Third Chamber) of 1 October 2015.#ERSTE Bank Hungary Zrt v Attila Sugár.#Request for a preliminary ruling from the Fővárosi Törvényszék.#Reference for a preliminary ruling — Directive 93/13/EEC — Unfair terms in consumer contracts concluded between a seller or supplier and a consumer — Mortgage loan agreement — Article 7(1) — Stopping the use of unfair terms — Adequate and effective means — Acknowledgement of the debt — Notarised instrument — Affixation of the enforcement clause by a notary — Enforceable order — Notary’s obligations — Examination by the national court of its own motion of unfair terms — Judicial review — Principles of equivalence and effectiveness.#Case C-32/14.

    judgment · EN · 1 October 2015

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