Judgment of the Court (Fourth Chamber) of 3 September 2015.#Horațiu Ovidiu Costea v SC Volksbank România SA.#Request for a preliminary ruling from the Judecătoria Oradea.#Reference for a preliminary ruling — Directive 93/13/EEC — Article 2(b) — Concept of ‘consumer’ — Credit agreement concluded by a natural person who practises as a lawyer — Repayment of a loan secured on a building owned by the borrower’s law firm — Borrower who has the necessary knowledge to assess the unfairness of a term before signing the agreement.#Case C-110/14.

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Official record CELEX 62014CJ0110 from European Union at Court of Justice of the European Union. Dated 3 September 2015. Status: decided.

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3 September 2015
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Judgment of the Court - 3 September 2015#Costea#Case C-110/14

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Judgment of the Court - 3 September 2015#Costea#Case C-110/14
judgment · GA · 3 September 2015
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Wyrok Trybunału (czwarta izba) z dnia 3 września 2015 r.#Horațiu Ovidiu Costea przeciwko SC Volksbank România SA.#Wniosek o wydanie orzeczenia w trybie prejudycjalnym złożony przez Judecătoria Oradea.#Odesłanie prejudycjalne – Dyrektywa 93/13/EWG – Artykuł 2 lit. b) – Pojęcie „konsumenta” – Umowa kredytu zawarta przez osobę fizyczną wykonującą zawód adwokata – Spłata kredytu zabezpieczona nieruchomością należącą do kancelarii prawnej kredytobiorcy – Kredytobiorca mający wiedzę niezbędną do oceny nieuczciwego charakteru warunku umowy przed jej podpisaniem.#Sprawa C-110/14.
judgment · PL · 3 September 2015
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Domstolens dom (fjärde avdelningen) av den 3 september 2015.#Horațiu Ovidiu Costea mot SC Volksbank România SA.#Begäran om förhandsavgörande från Judecătoria Oradea.#Begäran om förhandsavgörande – Direktiv 93/13/EEG – Artikel 2 b – Begreppet konsument – Kreditavtal som har slutits av en fysisk person som utövar advokatyrket – Återbetalning av en kredit för vilken en fastighet som tillhör låntagarens advokatkontor utgör säkerhet – Låntagaren har nödvändiga kunskaper som gör att vederbörande kunde bedöma att ett lånevillkor var oskäligt innan avtalet skrevs under.#Mål C-110/14.
judgment · SV · 3 September 2015
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Arrêt de la Cour (quatrième chambre) du 3 septembre 2015.#Horațiu Ovidiu Costea contre SC Volksbank România SA.#Demande de décision préjudicielle, introduite par la Judecătoria Oradea.#Renvoi préjudiciel – Directive 93/13/CEE – Article 2, sous b) – Notion de ‘consommateur’ – Contrat de crédit conclu par une personne physique qui exerce la profession d’avocat – Remboursement du crédit garanti par un immeuble appartenant au cabinet d’avocat de l’emprunteur – Emprunteur ayant les connaissances nécessaires pour apprécier le caractère abusif d’une clause avant la signature du contrat.#Affaire C-110/14.
judgment · FR · 3 September 2015
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Απόφαση του Δικαστηρίου (τέταρτο τμήμα) της 3ης Σεπτεμβρίου 2015.#Horațiu Ovidiu Costea κατά SC Volksbank România SA.#Αίτηση του Judecătoria Oradea για την έκδοση προδικαστικής αποφάσεως.#Προδικαστική παραπομπή – Οδηγία 93/13/ΕΟΚ – Άρθρο 2, στοιχείο β΄ – Έννοια του “καταναλωτή” – Σύμβαση πιστώσεως συναφθείσα από φυσικό πρόσωπο που ασκεί το επάγγελμα του δικηγόρου – Εξόφληση της πιστώσεως με σύσταση εγγυήσεως επί ακινήτου που ανήκει στο δικηγορικό γραφείο του δανειολήπτη – Δανειολήπτης που έχει τις αναγκαίες γνώσεις ώστε να εκτιμήσει τον καταχρηστικό χαρακτήρα μιας ρήτρας πριν από την υπογραφή της συμβάσεως.#Υπόθεση C-110/14.
judgment · EL · 3 September 2015
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Sentenza della Corte (Quarta Sezione) del 3 settembre 2015.#Horațiu Ovidiu Costea contro SC Volksbank România SA.#Domanda di pronuncia pregiudiziale proposta dalla Judecătoria Oradea.#Rinvio pregiudiziale – Direttiva 93/13/CEE – Articolo 2, lettera b) – Nozione di “consumatore” – Contratto di credito concluso da una persona fisica che esercita la professione di avvocato – Rimborso del credito garantito da un bene immobile appartenente allo studio legale del mutuatario – Mutuatario che possiede le conoscenze necessarie per valutare il carattere abusivo di una clausola prima della firma del contratto.#Causa C-110/14.
judgment · IT · 3 September 2015
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Sentencia del Tribunal de Justicia (Sala Cuarta) de 3 de septiembre de 2015.#Horațiu Ovidiu Costea contra SC Volksbank România SA.#Petición de decisión prejudicial planteada por la Judecătoria Oradea.#Procedimiento prejudicial — Directiva 93/13/CEE — Artículo 2, letra b) — Concepto de “consumidor” — Contrato de crédito celebrado por una persona física que ejerce la abogacía — Devolución del crédito garantizada con un inmueble perteneciente al bufete de abogado del prestatario — Prestatario que tiene los conocimientos necesarios para apreciar el carácter abusivo de una cláusula antes de la firma del contrato.#Asunto C-110/14.
judgment · ES · 3 September 2015
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A Bíróság ítélete (negyedik tanács), 2015. szeptember 3.#Horațiu Ovidiu Costea kontra SC Volksbank România SA.#A Judecătoria Oradea (Románia) által benyújtott előzetes döntéshozatal iránti kérelem.#Előzetes döntéshozatal iránti kérelem – 93/13/EGK irányelv – A 2. cikk b) pontja – A »fogyasztó« fogalma – Ügyvédi hivatást gyakorló természetes személy által kötött hitelmegállapodás – Olyan hitel visszafizetése, amelynek fedezete a hitelfelvevő ügyvédi irodájának tulajdonát képező ingatlan – Olyan hitelfelvevő, aki szükséges ismeretekkel rendelkezik valamely tisztességtelen feltételnek a szerződés megkötését megelőző értékeléséhez.#C-110/14. sz. ügy.
judgment · HU · 3 September 2015
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Rozsudok Súdneho dvora (štvrtá komora) z 3. septembra 2015.#Horațiu Ovidiu Costea proti SC Volksbank România SA.#Návrh na začatie prejudiciálneho konania, ktorý podal Judecătoria Oradea.#Návrh na začatie prejudiciálneho konania – Smernica 93/13/EHS – Článok 2 písm. b) – Pojem ‚spotrebiteľ‘ – Zmluva o úvere uzatvorená fyzickou osobou, ktorá vykonáva povolanie advokáta – Vrátenie úveru zabezpečené budovou, ktorá patrí advokátskej kancelárii dlžníka – Dlžník, ktorý má vedomosti potrebné na to, aby dokázal posúdiť nekalú povahu zmluvnej podmienky pred podpisom zmluvy.#Vec C-110/14.
judgment · SK · 3 September 2015
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Hotărârea Curții (Camera a patra) din 3 septembrie 2015.#Horațiu Ovidiu Costea împotriva SC Volksbank România SA.#Cerere de decizie preliminară formulată de Judecătoria Oradea.#Trimitere preliminară – Directiva 93/13/CEE – Articolul 2 litera (b) – Noțiunea «consumator» – Contract de credit încheiat de o persoană fizică ce exercită profesia de avocat – Rambursarea creditului garantată cu un imobil care aparține cabinetului de avocat al împrumutatului – Împrumutat care are cunoștințele necesare pentru a aprecia caracterul abuziv al unei clauze înainte de încheierea contractului.#Cauza C-110/14.
judgment · RO · 3 September 2015
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2015 m. rugsėjo 3 d. Teisingumo Teismo (ketvirtoji kolegija) sprendimas.#Horațiu Ovidiu Costea prieš SC Volksbank România SA.#Judecătoria Oradea prašymas priimti prejudicinį sprendimą.#Prašymas priimti prejudicinį sprendimą – Direktyva 93/13/EEB – 2 straipsnio b punktas – „Vartotojo“ sąvoka – Paskolos sutartis, kurią sudarė advokato profesija besiverčiantis fizinis asmuo – Paskolos gavėjo advokato kontorai priklausančiu pastatu užtikrintos paskolos grąžinimas – Žinių, reikalingų įvertinti sąlygos nesąžiningumą prieš sudarant sutartį, turintis paskolos gavėjas.#Byla C-110/14.
judgment · LT · 3 September 2015
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Presuda Suda (četvrto vijeće) od 3. rujna 2015.#Horațiu Ovidiu Costea protiv SC Volksbank România SA.#Zahtjev za prethodnu odluku koji je uputio Judecătoria Oradea.#Zahtjev za prethodnu odluku – Direktiva 93/13/EEZ – Članak 2. točka (b) – Pojam ‚potrošača‘ – Ugovor o kreditu koji sklapa fizička osoba koja obavlja odvjetničku djelatnost – Povrat kredita osiguranog nekretninom u vlasništvu odvjetničkog ureda korisnika kredita – Korisnik kredita koji ima potrebna znanja za ocjenu nepoštenosti ugovorne odredbe prije potpisivanja ugovora.#Predmet C-110/14.
judgment · HR · 3 September 2015
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Acórdão do Tribunal de Justiça (Quarta Secção) de 3 de setembro de 2015.#Horațiu Ovidiu Costea contra SC Volksbank România SA.#Pedido de decisão prejudicial apresentado pela Judecătoria Oradea.#Reenvio prejudicial — Diretiva 93/13/CEE — Artigo 2.°, alínea b) — Conceito de ‘consumidor’ — Contrato de crédito celebrado por uma pessoa singular que exerce a profissão de advogado — Reembolso do crédito garantido por um imóvel que pertence ao escritório de advogados do mutuário — Mutuário que dispõe dos conhecimentos necessários para apreciar o caráter abusivo de uma cláusula antes da assinatura do contrato.#Processo C-110/14.
judgment · PT · 3 September 2015
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Sodba Sodišča (četrti senat) z dne 3. septembra 2015.#Horațiu Ovidiu Costea proti SC Volksbank România SA.#Predlog za sprejetje predhodne odločbe, ki ga je vložilo Judecătoria Oradea.#Predhodno odločanje – Direktiva 93/13/EGS – Člen 2(b) – Pojem ‚potrošnik‘ – Kreditna pogodba, ki jo sklene fizična oseba, ki opravlja odvetniški poklic – Vračilo kredita, zavarovanega z nepremičnino v lasti odvetniške pisarne kreditojemalca – Kreditojemalec, ki ima potrebno znanje za presojo nedovoljenosti pogoja pred podpisom pogodbe.#Zadeva C-110/14.
judgment · SL · 3 September 2015
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Rozsudek Soudního dvora (čtvrtého senátu) ze dne 3. září 2015.#Horațiu Ovidiu Costea v. SC Volksbank România SA.#Žádost o rozhodnutí o předběžné otázce podaná Judecătoria Oradea.#Řízení o předběžné otázce – Směrnice 93/13/EHS – Článek 2 písm. b) – Pojem ,spotřebitel‘ – Smlouva o úvěru uzavřená fyzickou osobu, která vykonává povolání advokáta – Splácení úvěru zajištěného nemovitostí ve vlastnictví advokátní kanceláře dlužníka – Dlužník, který má znalosti nezbytné pro posouzení zneužívající povahy klauzule před podpisem smlouvy.#Věc C-110/14.
judgment · CS · 3 September 2015
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Urteil des Gerichtshofs (Vierte Kammer) vom 3. September 2015.#Horațiu Ovidiu Costea gegen SC Volksbank România SA.#Vorabentscheidungsersuchen der Judecătoria Oradea.#Vorlage zur Vorabentscheidung – Richtlinie 93/13/EWG – Art. 2 Buchst. b – Begriff ‚Verbraucher‘ – Abschluss eines Kreditvertrags durch eine natürliche Person, die den Rechtsanwaltsberuf ausübt – Rückzahlung des Kredits, der durch ein im Eigentum der Rechtsanwaltskanzlei des Kreditnehmers stehendes Grundstück gesichert wird – Kreditnehmer, der die erforderlichen Kenntnisse besitzt, um vor der Unterzeichnung des Vertrags die Missbräuchlichkeit einer Klausel zu beurteilen.#Rechtssache C-110/14.
judgment · DE · 3 September 2015
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Euroopa Kohtu otsus (neljas koda), 3.9.2015.#Horațiu Ovidiu Costea versus SC Volksbank România SA.#Eelotsusetaotlus, mille on esitanud Judecătoria Oradea.#Eelotsusetaotlus – Direktiiv 93/13/EMÜ – Artikli 2 punkt b – Mõiste „tarbija” – Laenuleping, mille on sõlminud advokaadi kutsealal tegutsev füüsiline isik – Niisuguse laenu tagasimaksmine, mille tagatiseks on laenuvõtja advokaadibüroole kuuluv kinnisasi – Laenuvõtja, kel on teadmised, mida on vaja lepingutingimuse ebaõigluse hindamiseks enne laenulepingu sõlmimist.#Kohtuasi C-110/14.
judgment · ET · 3 September 2015
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Domstolens dom (Fjerde Afdeling) af 3. september 2015.#Horațiu Ovidiu Costea mod SC Volksbank România SA.#Anmodning om præjudiciel afgørelse indgivet af Judecătoria Oradea.#Præjudiciel forelæggelse – direktiv 93/13/EØF – artikel 2, litra b) – begrebet »forbruger« – kreditaftale indgået af en fysisk person, som udøver advokatvirksomhed – tilbagebetaling af kredit sikret ved en ejendom tilhørende låntagers advokatkontor – låntager har den nødvendige viden for at vurdere, om et kontraktvilkår er urimeligt, inden undertegnelse af aftale.#Sag C-110/14.
judgment · DA · 3 September 2015
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Unionin tuomioistuimen tuomio (neljäs jaosto) 3.9.2015.#Horațiu Ovidiu Costea vastaan SC Volksbank România SA.#Judecătoria Oradean esittämä ennakkoratkaisupyyntö.#Ennakkoratkaisupyyntö – Direktiivi 93/13/ETY – 2 artiklan b alakohta – Kuluttajan käsite – Asianajajan ammattia harjoittavan luonnollisen henkilön tekemä luottosopimus – Sellaisen luoton takaisin maksaminen, jonka vakuutena on luotonottajan asianajotoimiston omistama kiinteistö – Luotonottaja, jolla on tarpeelliset tiedot sopimusehdon kohtuuttomuuden arvioimiseksi ennen sopimuksen allekirjoittamista.#Asia C-110/14.
judgment · FI · 3 September 2015
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Tiesas spriedums (ceturtā palāta) 2015. gada 3. septembrī.#Horațiu Ovidiu Costea pret SC Volksbank România SA.#Judecătoria Oradea lūgums sniegt prejudiciālu nolēmumu.#Lūgums sniegt prejudiciālu nolēmumu – Direktīva 93/13/EEK – 2. panta b) punkts – Jēdziens “patērētājs” – Fiziskas personas, kura darbojas advokāta profesijā, noslēgts kredītlīgums – Kredīta atmaksa, kas nodrošināta ar aizdevuma ņēmēja advokāta birojam piederošu nekustamo īpašumu – Aizdevuma ņēmējs, kuram ir nepieciešamās zināšanas noteikuma negodīguma novērtēšanai pirms līguma parakstīšanas.#Lieta C-110/14.
judgment · LV · 3 September 2015
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Решение на Съда (четвърти състав) от 3 септември 2015 г.#Horațiu Ovidiu Costea срещу SC Volksbank România SA.#Преюдициално запитване, отправено от Judecătoria Oradea.#Преюдициално запитване — Директива 93/13/ЕИО — Член 2, буква б) — Понятие „потребител“ — Договор за кредит, сключен от физическо лице, упражняващо адвокатска професия — Кредит, обезпечен с ипотека върху недвижим имот, собственост на адвокатската кантора на кредитополучателя — Кредитополучател, който има необходимите познания, за да може, преди да подпише договора, да прецени дали някоя от клаузите му няма неравноправен характер.#Дело C-110/14.
judgment · BG · 3 September 2015
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Sentenza tal-Qorti tal-Ġustizzja (Ir-Raba' Awla) tat-3 ta’ Settembru 2015.#Horațiu Ovidiu Costea vs SC Volksbank România SA.#Talba għal deċiżjoni preliminari mressqa mill-Judecătoria Oradea.#Rinviju għal deċiżjoni preliminari – Direttiva 93/13/KEE – Artikolu 2(b) – Kunċett ta’ ‘konsumatur’ – Kuntratt ta’ kreditu konkluż minn persuna fiżika li teżerċita l-professjoni ta’ avukat – Ħlas lura tal-kreditu ggarantit minn proprjetà immobbli tal-uffiċċju tal-avukati tal-persuna li tissellef – Persuna li tissellef li għandha l-għarfien neċessarju sabiex tevalwa n-natura inġusta ta’ klawżola qabel l-iffirmar tal-kuntratt.#Kawża C-110/14.
judgment · MT · 3 September 2015
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Arrest van het Hof (Vierde kamer) van 3 september 2015.#Horațiu Ovidiu Costea tegen SC Volksbank România SA.#Verzoek van de Judecătoria Oradea om een prejudiciële beslissing.#Prejudiciële verwijzing – Richtlijn 93/13/EEG – Artikel 2, onder b) – Begrip ‚consument’ – Kredietovereenkomst gesloten door een natuurlijke persoon die het beroep van advocaat uitoefent – Terugbetaling van een lening met als onderpand een onroerend goed dat toebehoort aan het advocatenkantoor van de kredietnemer – Kredietnemer die beschikt over de noodzakelijke kennis om vóór de ondertekening van de overeenkomst te beoordelen of een beding oneerlijk is.#Zaak C-110/14.
judgment · NL · 3 September 2015
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Judgment of the Court (Fourth Chamber) of 3 September 2015.#Horațiu Ovidiu Costea v SC Volksbank România SA.#Request for a preliminary ruling from the Judecătoria Oradea.#Reference for a preliminary ruling — Directive 93/13/EEC — Article 2(b) — Concept of ‘consumer’ — Credit agreement concluded by a natural person who practises as a lawyer — Repayment of a loan secured on a building owned by the borrower’s law firm — Borrower who has the necessary knowledge to assess the unfairness of a term before signing the agreement.#Case C-110/14.
judgment · EN · 3 September 2015
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Official source: https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:62014CJ0110
Open data entity: http://publications.europa.eu/resource/cellar/18b2d662-5221-11e5-9f5a-01aa75ed71a1
eurlex · 62014CJ0110 · source updated 3 September 2015