Judgment of the Court (Seventh Chamber) of 23 January 2025.#A. B. and F. B. v Slovenská sporiteľňa a.s.#Request for a preliminary ruling from the Krajský súd v Prešove.#Reference for a preliminary ruling – Consumer protection – Credit agreements for consumers – Directive 2008/48/EC – Requirements relating to information to be included in such a credit agreement – Duty to provide information – Duration of the agreement – Annual percentage rate of charge (APRC) – Assumptions used in order to calculate the APRC.#Case C-677/23.

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

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23 January 2025

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23 January 2025 · Decided

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Official record CELEX 62023CJ0677 from European Union at Court of Justice of the European Union. Dated 23 January 2025. Status: decided.

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23 January 2025
Decided
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24 official files

Rozsudok Súdneho dvora (siedma komora) z 23. januára 2025.#A. B. a F. B. proti Slovenskej sporiteľni, a.s.#Návrh na začatie prejudiciálneho konania, ktorý podal Krajský súd v Prešove.#Návrh na začatie prejudiciálneho konania – Ochrana spotrebiteľa – Zmluvy o spotrebiteľskom úvere – Smernica 2008/48/ES – Požiadavky na informácie, ktoré sa majú uviesť v takejto zmluve o úvere – Povinnosť informovania – Dĺžka trvania zmluvy – Ročná percentuálna miera nákladov (RPMN) – Predpoklady použité na výpočet RPMN.#Vec C-677/23.

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Rozsudok Súdneho dvora (siedma komora) z 23. januára 2025.#A. B. a F. B. proti Slovenskej sporiteľni, a.s.#Návrh na začatie prejudiciálneho konania, ktorý podal Krajský súd v Prešove.#Návrh na začatie prejudiciálneho konania – Ochrana spotrebiteľa – Zmluvy o spotrebiteľskom úvere – Smernica 2008/48/ES – Požiadavky na informácie, ktoré sa majú uviesť v takejto zmluve o úvere – Povinnosť informovania – Dĺžka trvania zmluvy – Ročná percentuálna miera nákladov (RPMN) – Predpoklady použité na výpočet RPMN.#Vec C-677/23.
judgment · SK · 23 January 2025
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Arrêt de la Cour (septième chambre) du 23 janvier 2025.#A. B. et F. B. contre Slovenská sporiteľňa a.s.#Demande de décision préjudicielle, introduite par le Krajský súd v Prešove.#Renvoi préjudiciel – Protection des consommateurs – Contrats de crédit aux consommateurs – Directive 2008/48/CE – Exigences relatives aux informations à mentionner dans un tel contrat de crédit – Obligation d’information – Durée du contrat – Taux annuel effectif global (TAEG) – Hypothèses utilisées pour calculer le TAEG.#Affaire C-677/23.
judgment · FR · 23 January 2025
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Domstolens dom (sjunde avdelningen) av den 23 januari 2025.#A. B. och F. B. mot Slovenská sporiteľňa, a.s.#Begäran om förhandsavgörande från Krajský súd v Prešove.#Begäran om förhandsavgörande – Konsumentskydd – Konsumentkreditavtal – Direktiv 2008/48/EG – Krav på information som ska lämnas i ett sådant kreditavtal – Informationsskyldighet – Avtalets löptid – Effektiv ränta – Antaganden utifrån vilka den effektiva räntan beräknats.#Mål C-677/23.
judgment · SV · 23 January 2025
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Arrest van het Hof (Zevende kamer) van 23 januari 2025.#A. B. en F. B. tegen Slovenská sporiteľňa, a.s.#Verzoek van de Krajský súd v Prešove om een prejudiciële beslissing.#Prejudiciële verwijzing – Bescherming van consumenten – Consumentenkredietovereenkomsten – Richtlijn 2008/48/EG – Eisen inzake de in een dergelijke overeenkomst te vermelden informatie – Informatieplicht – Duur van de overeenkomst – Jaarlijks kostenpercentage (JKP) – Hypothesen die worden gebruikt voor de berekening van het JKP.#Zaak C-677/23.
judgment · NL · 23 January 2025
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Sentenza tal-Qorti tal-Ġustizzja (Is-Seba’ Awla) tat-23 ta’ Jannar 2025.#A. B. u F. B. vs Slovenská sporiteľňa, a.s.#Talba għal deċiżjoni preliminari, imressqa mill-Krajský súd v Prešove.#Rinviju għal deċiżjoni preliminari – Protezzjoni tal-konsumaturi – Kuntratti ta’ kreditu għall-konsumaturi – Direttiva 2008/48/KE – Rekwiżiti dwar l-informazzjoni li għandha tiġi inkluża fi ftehim ta’ kreditu bħal dan – Obbligu ta’ informazzjoni – Tul tal-kuntratt – Ir-rata perċentwali annwali ta’ imposta (APR) – Assunzjonijiet użati għall-kalkolu tal-APR.#Kawża C-677/23.
judgment · MT · 23 January 2025
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Tiesas spriedums (septītā palāta), 2025. gada 23. janvāris.#A. B. un F. B. pret Slovenská sporiteľňa, a.s.#Krajský súd v Prešove lūgums sniegt prejudiciālu nolēmumu.#Lūgums sniegt prejudiciālu nolēmumu – Patērētāju tiesību aizsardzība – Patēriņa kredītlīgumi – Direktīva 2008/48/EK – Prasības par šādā kredītlīgumā norādāmo informāciju – Pienākums sniegt informāciju – Līguma termiņš – Gada procentu likme (GPL) – GPL aprēķināšanai izmantotie pieņēmumi.#Lieta C-677/23.
judgment · LV · 23 January 2025
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Breithiúnas na Cúirte (An Seachtú Dlísheomra) 2025 Eanáir 23.#A. B. agus F. B. v Slovenská sporiteľňa, a.s.#Tarchur chun réamhrialú – Cosaint tomhaltóirí – Comhaontuithe creidmheasa do thomhaltóirí – Treoir 2008/48/CE – Ceanglais a bhaineann le faisnéis atá le háireamh i gcomhaontú creidmheasa den sórt sin – Oibleagáid chun faisnéis a sholáthar – Fad an chonartha – Ráta céatadánach bliantúil (APRC) – Toimhdí a úsáidtear chun APRC a ríomh.#Cás C-677/23.
judgment · GA · 23 January 2025
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Απόφαση του Δικαστηρίου (έβδομο τμήμα) της 23ης Ιανουαρίου 2025.#A. B. και F. B. κατά Slovenská sporiteľňa a.s.#Αίτηση του Krajský súd v Prešove για την έκδοση προδικαστικής αποφάσεως.#Προδικαστική παραπομπή – Προστασία των καταναλωτών – Συμβάσεις καταναλωτικής πίστης – Οδηγία 2008/48/ΕΚ – Απαιτήσεις όσον αφορά τις πληροφορίες που πρέπει να περιλαμβάνονται σε μια τέτοια σύμβαση πίστης – Υποχρέωση ενημέρωσης – Διάρκεια της σύμβασης – Συνολικό ετήσιο πραγματικό επιτόκιο (ΣΕΠΕ) – Τεκμήρια που χρησιμοποιούνται για τον υπολογισμό του ΣΕΠΕ.#Υπόθεση C-677/23.
judgment · EL · 23 January 2025
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Sodba Sodišča (sedmi senat) z dne 23. januarja 2025.#A. B. in F. B. proti Slovenská sporiteľňa, a.s.#Predlog za sprejetje predhodne odločbe, ki ga je vložilo Krajský súd v Prešove.#Predhodno odločanje – Varstvo potrošnikov – Potrošniške kreditne pogodbe – Direktiva 2008/48/ES – Zahteve v zvezi z informacijami, ki se morajo vključiti v tako kreditno pogodbo – Obveznost zagotovitve informacij – Trajanje pogodbe – Efektivna obrestna mera (EOM) – Predpostavke, uporabljene za izračun EOM.#Zadeva C-677/23.
judgment · SL · 23 January 2025
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Unionin tuomioistuimen tuomio (seitsemäs jaosto) 23.1.2025.#A. B. ja F. B. vastaan Slovenská sporiteľňa a.s.#Krajský súd v Prešoven esittämä ennakkoratkaisupyyntö.#Ennakkoratkaisupyyntö – Kuluttajansuoja – Kulutusluottosopimukset – Direktiivi 2008/48/EY – Tällaisessa luottosopimuksessa mainittavia tietoja koskevat vaatimukset – Tiedonantovelvollisuus – Sopimuksen kesto – Todellinen vuosikorko – Todellisen vuosikoron laskemiseen käytetyt oletukset.#Asia C-677/23.
judgment · FI · 23 January 2025
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Решение на Съда (седми състав) от 23 януари 2025 г.#A. B. и F. B. срещу Slovenská sporiteľňa, a.s.#Преюдициално запитване, отправено от Krajský súd v Prešove.#Преюдициално запитване — Защита на потребителите — Договори за потребителски кредити — Директива 2008/48/ЕО — Изисквания относно информацията, която следва да се посочи в такъв договор за кредит — Задължение за информиране — Срок на договора — Годишен процент на разходите (ГПР) — Допускания, използвани за изчисляването на ГПР.#Дело C-677/23.
judgment · BG · 23 January 2025
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Hotărârea Curții (Camera a șaptea) din 23 ianuarie 2025.#A. B. și F. B. împotriva Slovenská sporiteľňa a.s.#Cerere de decizie preliminară formulată de Krajský súd v Prešove.#Trimitere preliminară – Protecția consumatorilor – Contracte de credit pentru consumatori – Directiva 2008/48/CE – Cerințe privind informațiile care trebuie menționate într‑un astfel de contract de credit – Obligația de informare – Durata contractului – Dobânda anuală efectivă (DAE) – Ipoteze utilizate pentru calcularea DAE.#Cauza C-677/23.
judgment · RO · 23 January 2025
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Acórdão do Tribunal de Justiça (Sétima Secção) de 23 de janeiro de 2025.#A. B. e F. B. contra Slovenská sporiteľňa a.s.#Pedido de decisão prejudicial apresentado pelo Krajský súd v Prešove.#Reenvio prejudicial — Proteção dos consumidores — Contratos de crédito aos consumidores — Diretiva 2008/48/CE — Requisitos relativos às informações a mencionar neste tipo de contrato de crédito — Dever de informação — Duração do contrato — Taxa anual de encargos efetiva global (TAEG) — Pressupostos utilizados para calcular a TAEG.#Processo C-677/23.
judgment · PT · 23 January 2025
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Presuda Suda (sedmo vijeće) od 23. siječnja 2025.#A. B. i F. B. protiv Slovenská sporiteľňa a.s.#Zahtjev za prethodnu odluku koji je uputio Krajský súd v Prešove.#Zahtjev za prethodnu odluku – Zaštita potrošača – Ugovori o potrošačkim kreditima – Direktiva 2008/48/EZ – Zahtjevi u vezi s informacijama koje treba uključiti u takav ugovor o kreditu – Obveza obavještavanja – Trajanje ugovora – Efektivna kamatna stopa (EKS) – Pretpostavke primijenjene u izračunu EKS-a.#Predmet C-677/23.
judgment · HR · 23 January 2025
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Euroopa Kohtu otsus (seitsmes koda), 23.1.2025.#A. B. ja F. B. versus Slovenská sporiteľňa, a.s.#Eelotsusetaotlus, mille on esitanud Krajský súd v Prešove.#Eelotsusetaotlus – Tarbijakaitse – Tarbijakrediidilepingud – Direktiiv 2008/48/EÜ – Nõuded tarbijakrediidilepingus sisalduvale kohustuslikule teabele – Teavitamiskohustus – Lepingu kestus – Krediidi kulukuse aastamäär – Krediidi kulukuse aastamäära arvutamisel kasutatud eeldused.#Kohtuasi C-677/23.
judgment · ET · 23 January 2025
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Urteil des Gerichtshofs (Siebte Kammer) vom 23. Januar 2025.#A. B. und F. B. gegen Slovenská sporiteľňa, a.s.#Vorabentscheidungsersuchen des Krajský súd v Prešove.#Vorlage zur Vorabentscheidung – Verbraucherschutz – Verbraucherkreditverträge – Richtlinie 2008/48/EG – Anforderungen an die zwingenden Angaben in einem solchen Kreditvertrag – Informationspflicht – Laufzeit des Vertrags – Effektiver Jahreszins – Annahmen für die Berechnung des effektiven Jahreszinses.#Rechtssache C-677/23.
judgment · DE · 23 January 2025
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Rozsudek Soudního dvora (sedmého senátu) ze dne 23. ledna 2025.#A. B. a F. B. v. Slovenská sporiteľňa, a.s.#Žádost o rozhodnutí o předběžné otázce podaná Krajský súd v Prešove.#Řízení o předběžné otázce – Ochrana spotřebitelů – Smlouvy o spotřebitelském úvěru – Směrnice 2008/48/ES – Požadavky na informace, které mají být uvedeny v takové úvěrové smlouvě – Informační povinnost – Doba trvání smlouvy – Roční procentní sazba nákladů (RPSN) – Předpoklady použité pro výpočet RPSN.#Věc C-677/23.
judgment · CS · 23 January 2025
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Domstolens dom (Syvende Afdeling) af 23. januar 2025.#A. B. og F. B. mod Slovenská sporiteľňa a.s.#Anmodning om præjudiciel afgørelse indgivet af Krajský súd v Prešove.#Præjudiciel forelæggelse – forbrugerbeskyttelse – forbrugerkreditaftaler – direktiv 2008/48/EF – krav til de oplysninger, der skal angives i en sådan kreditaftale – informationspligt – kontraktens løbetid – de årlige omkostninger i procent (ÅOP) – de antagelser, der anvendes til beregning af ÅOP.#Sag C-677/23.
judgment · DA · 23 January 2025
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Sentencia del Tribunal de Justicia (Sala Séptima) de 23 de enero de 2025.#A. B. y F. B. contra Slovenská sporiteľňa, a.s.#Petición de decisión prejudicial planteada por el Krajský súd v Prešove.#Procedimiento prejudicial — Protección de los consumidores — Contratos de crédito al consumo — Directiva 2008/48/CE — Requisitos relativos a la información que debe incluirse en esos contratos de crédito — Obligación de información — Duración del contrato — Tasa anual equivalente (TAE) — Hipótesis utilizadas para calcular la TAE.#Asunto C-677/23.
judgment · ES · 23 January 2025
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A Bíróság ítélete (hetedik tanács), 2025. január 23.#A. B. és F. B. kontra Slovenská sporiteľňa, a.s.#A Krajský súd v Prešove (Szlovákia) által benyújtott előzetes döntéshozatal iránti kérelem.#Előzetes döntéshozatal – Fogyasztóvédelem – Fogyasztói hitelmegállapodások – 2008/48/EK irányelv – Az ilyen hitelmegállapodásban feltüntetendő információkra vonatkozó követelmények – Tájékoztatási kötelezettség – A szerződés időtartama – Teljeshiteldíj‑mutató (THM) – A THM kiszámításához alkalmazott feltevések.#C-677/23. sz. ügy.
judgment · HU · 23 January 2025
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Wyrok Trybunału (siódma izba) z dnia 23 stycznia 2025 r.#A.B. i F.B. przeciwko Slovenská sporiteľňa, a.s.#Wniosek o wydanie orzeczenia w trybie prejudycjalnym złożony przez Krajský súd v Prešove.#Odesłanie prejudycjalne – Ochrona konsumentów – Umowy o kredyt konsumencki – Dyrektywa 2008/48/WE – Wymogi dotyczące informacji, które należy wskazać w takiej umowie o kredyt – Obowiązek informacyjny – Okres obowiązywania umowy – Rzeczywista roczna stopa oprocentowania (RRSO) – Założenia stosowane do obliczenia RRSO.#Sprawa C-677/23.
judgment · PL · 23 January 2025
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2025 m. sausio 23 d. Teisingumo Teismo (septintoji kolegija) sprendimas.#A. B. ir F. B. prieš Slovenská sporiteľňa, a.s.#Krajský súd v Prešove prašymas priimti prejudicinį sprendimą.#Prašymas priimti prejudicinį sprendimą – Vartotojų apsauga – Vartojimo kredito sutartys – Direktyva 2008/48/EB – Reikalavimai dėl tokioje kredito sutartyje nurodytinos informacijos – Pareiga pateikti informaciją – Sutarties trukmė – Bendros kredito kainos metinė norma (BKKMN) – BKKMN apskaičiuoti naudojamos prielaidos.#Byla C-677/23.
judgment · LT · 23 January 2025
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Sentenza della Corte (Settima Sezione) del 23 gennaio 2025.#A. B. e F. B. contro Slovenská sporiteľňa, a.s.#Domanda di pronuncia pregiudiziale proposta dal Krajský súd v Prešove.#Rinvio pregiudiziale – Tutela dei consumatori – Contratti di credito ai consumatori – Direttiva 2008/48/CE – Requisiti relativi alle informazioni da inserire in un tale contratto di credito – Obbligo di informazione – Durata del contratto – Tasso annuo effettivo globale (TAEG) – Ipotesi utilizzate per calcolare il TAEG.#Causa C-677/23.
judgment · IT · 23 January 2025
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Judgment of the Court (Seventh Chamber) of 23 January 2025.#A. B. and F. B. v Slovenská sporiteľňa a.s.#Request for a preliminary ruling from the Krajský súd v Prešove.#Reference for a preliminary ruling – Consumer protection – Credit agreements for consumers – Directive 2008/48/EC – Requirements relating to information to be included in such a credit agreement – Duty to provide information – Duration of the agreement – Annual percentage rate of charge (APRC) – Assumptions used in order to calculate the APRC.#Case C-677/23.
judgment · EN · 23 January 2025
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Official source: https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:62023CJ0677
Open data entity: http://publications.europa.eu/resource/cellar/c7b7d1bb-d96d-11ef-be2a-01aa75ed71a1
eurlex · 62023CJ0677 · source updated 23 January 2025