Judgment of the Court (Third Chamber) of 12 February 2026.#J.J. against PKO BP S.A.#Prejudicial submission – unfair contract terms in consumer agreements – directive 93/13/EEC – credit agreement – ​​agreement on loan against mortgage on real estate with variable interest rate – contract terms, after which the interest rate is determined on the basis of a benchmark as referred to in Regulation (EU) 2016/1011 – article 1, paragraph 2, of Directive 93/13 – contract terms that reflect laws or binding administrative provisions – Article 4, subsection 2, of Directive 93/13 – the concept of “the definition of the main object of the agreement” – requirement of transparency – Article 3, paragraph 1, in Directive 93/13 – unreasonableness.#Case C-471/24.

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Official record CELEX 62024CJ0471_SUM from European Union at Court of Justice of the European Union. Dated 12 February 2026. Status: decided.

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• Domstolens dom (Tredje Afdeling) af 12. februar 2026.#J.J. mod PKO BP S.A.#Præjudiciel forelæggelse – urimelige kontraktvilkår i forbrugeraftaler – direktiv 93/13/EØF – kreditaftale – aftale om lån mod pant i fast ejendom med variabel rente – kontraktvilkår, hvorefter rentesatsen fastsættes på grundlag af et benchmark som omhandlet i forordning (EU) 2016/1011 – artikel 1, stk. 2, i direktiv 93/13 – kontraktvilkår, der afspejler love eller bindende administrative bestemmelser – artikel 4, stk. 2, i direktiv 93/13 – begrebet »definitionen af aftalens hovedgenstand« – krav om gennemsigtighed – artikel 3, stk. 1, i direktiv 93/13 – urimelighed.#Sag C-471/24.

  judgment · DA · 12 February 2026

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