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CELEX 62024CJ0744

Judgment of the Court (Seventh Chamber) of 23 April 2026.#P.W. v Bank Polska Kasa Opieki S.A.#Reference for a preliminary ruling – Credit agreements for consumers – Directive 2008/48/EC – Article 3(j) – Article 10(2)(f) – The concept of ‘borrowing rate’ – The concept of ‘amount of credit drawn down’ – Article 3(g) – The concept of ‘total cost of the credit to the consumer’ – Charging interest on an amount corresponding to the cost of the credit – Insurance premium.#Case C-744/24.

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

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23 April 2026

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23 April 2026 · Decided

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23 April 2026

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Official record CELEX 62024CJ0744 from European Union at Court of Justice of the European Union. Dated 23 April 2026. Status: decided.

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  1. 23 April 2026

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24 official files

Unionin tuomioistuimen tuomio (seitsemäs jaosto) 23.4.2026.#P.W. vastaan Bank Polska Kasa Opieki S.A.#Sąd Rejonowy we Włodawien esittämä ennakkoratkaisupyyntö.#Ennakkoratkaisupyyntö – Kulutusluottosopimukset – Direktiivi 2008/48/EY – 3 artiklan j alakohta – 10 artiklan 2 kohdan f alakohta – Lainakoron käsite – Nostetun luoton määrän käsite – 3 artiklan g alakohta – Kuluttajalle aiheutuvien luoton kokonaiskustannusten käsite – Korkojen periminen määrästä, joka vastaa luoton kustannusten määrää – Vakuutusmaksu.#Asia C-744/24.

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  • Unionin tuomioistuimen tuomio (seitsemäs jaosto) 23.4.2026.#P.W. vastaan Bank Polska Kasa Opieki S.A.#Sąd Rejonowy we Włodawien esittämä ennakkoratkaisupyyntö.#Ennakkoratkaisupyyntö – Kulutusluottosopimukset – Direktiivi 2008/48/EY – 3 artiklan j alakohta – 10 artiklan 2 kohdan f alakohta – Lainakoron käsite – Nostetun luoton määrän käsite – 3 artiklan g alakohta – Kuluttajalle aiheutuvien luoton kokonaiskustannusten käsite – Korkojen periminen määrästä, joka vastaa luoton kustannusten määrää – Vakuutusmaksu.#Asia C-744/24.

    judgment · FI · 23 April 2026

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  • Sentenza della Corte (Settima Sezione) del 23 aprile 2026.#P.W. contro Bank Polska Kasa Opieki S.A.#Domanda di pronuncia pregiudiziale proposta dal Sąd Rejonowy we Włodawie.#Rinvio pregiudiziale – Contratti di credito ai consumatori – Direttiva 2008/48/CE – Articolo 3, lettera j) – Articolo 10, paragrafo 2, lettera f) – Nozione di “tasso debitore” – Nozione di “importo dei prelievi effettuati” – Articolo 3, lettera g) – Nozione di “costo totale del credito per il consumatore” – Riscossione di interessi su un importo corrispondente a un costo del credito – Premio assicurativo.#Causa C-744/24.

    judgment · IT · 23 April 2026

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  • Domstolens dom (Syvende Afdeling) af 23. april 2026.#P.W. mod Bank Polska Kasa Opieki S.A.#Præjudiciel forelæggelse – forbrugerkreditaftaler – direktiv 2008/48/EF – artikel 3, litra j) – artikel 10, stk. 2, litra f) – begrebet »debitorrente« – begrebet »udnyttede kreditmuligheder« – artikel 3, litra g) – begrebet »samlede omkostninger i forbindelse med forbrugerkreditten« – opkrævning af renter af et beløb svarende til kreditomkostninger – forsikringspræmie.#Sag C-744/24.

    judgment · DA · 23 April 2026

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  • Решение на Съда (седми състав) от 23 април 2026 г.#P.W. срещу Bank Polska Kasa Opieki S.A.#Преюдициално запитване, отправено от Sąd Rejonowy we Włodawie.#Преюдициално запитване — Договори за потребителски кредити — Директива 2008/48/ЕО — Член 3, буква й) — Член 10, параграф 2, буква е) — Понятие „лихвен процент“ — Понятие „сума на усвоения кредит“ — Член 3, буква ж) — Понятие „общи разходи по кредита за потребителя“ — Събиране на лихви върху сума, съответстваща на разход по кредита — Застрахователна премия.#Дело C-744/24.

    judgment · BG · 23 April 2026

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  • Sodba Sodišča (sedmi senat) z dne 23. aprila 2026.#P. W. proti Bank Polska Kasa Opieki S.A.#Predhodno odločanje – Potrošniške kreditne pogodbe – Direktiva 2008/48/ES – Člen 3, točka (j) – Člen 10(2)(f) – Pojem ,posojilna obrestna mera‘ – Pojem ,znesek črpanega kredita‘ – Člen 3, točka (g) – Pojem ,skupni stroški kredita za potrošnika‘ – Zaračunavanje obresti na znesek, ki ustreza stroškom kredita – Zavarovalna premija.#Zadeva C-744/24.

    judgment · SL · 23 April 2026

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  • A Bíróság ítélete (hetedik tanács), 2026. április 23.#P.W. kontra Bank Polska Kasa Opieki S.A.#A Sąd Rejonowy we Włodawie által benyújtott előzetes döntéshozatal iránti kérelem.#Előzetes döntéshozatal – Fogyasztói hitelmegállapodások – 2008/48/EK irányelv – A 3. cikk j) pontja – A 10. cikk (2) bekezdésének f) pontja – A »hitelkamatláb« fogalma – A »lehívott hitel összegének« fogalma – A 3. cikk g) pontja – A »hitel fogyasztó által viselt teljes költségének« fogalma – A hitel költségének megfelelő összeg utáni kamatfelszámítás – Biztosítási díj.#C-744/24. sz. ügy.

    judgment · HU · 23 April 2026

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  • Tiesas spriedums (septītā palāta), 2026. gada 23. aprīlis.#P.W. pret Bank Polska Kasa Opieki S.A.#Lūgums sniegt prejudiciālu nolēmumu – Patēriņa kredītlīgumi – Direktīva 2008/48/EK – 3. panta j) punkts – 10. panta 2. punkta f) apakšpunkts – Jēdziens “aizņēmuma likme” – Jēdziens “izņemtā kredīta summa” – 3. panta g) punkts – Jēdziens “kredīta kopējās izmaksas patērētājam” – Procentu iekasēšana par summu, kas atbilst kredīta izmaksām – Apdrošināšanas prēmija.#Lieta C-744/24.

    judgment · LV · 23 April 2026

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  • Domstolens dom (sjunde avdelningen) av den 23 april 2026.#P.W. mot Bank Polska Kasa Opieki S.A.#Begäran om förhandsavgörande – Konsumentkreditavtal – Direktiv 2008/48/EG – Artikel 3 j – Artikel 10.2 f – Begreppet ’kreditränta’ – Begreppet ’det utnyttjade kreditbeloppet’ – Artikel 3 g – Begreppet ’konsumentens sammanlagda kreditkostnad’ – Uttag av ränta på ett belopp som motsvarar en kreditkostnad – Försäkringspremie.#Mål C-744/24.

    judgment · SV · 23 April 2026

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  • Arrest van het Hof (Zevende kamer) van 23 april 2026.#P.W. tegen Bank Polska Kasa Opieki S.A.#Prejudiciële verwijzing – Kredietovereenkomsten voor consumenten – Richtlijn 2008/48/EG – Artikel 3, onder j) – Artikel 10, lid 2, onder f) – Begrip ‚debetrentevoet’ – Begrip ‚opgenomen kredietbedrag’ – Artikel 3, onder g) – Begrip ‚totale kosten van het krediet voor de consument’ – Heffing van rente over het bedrag van de kredietkosten – Verzekeringspremie.#Zaak C-744/24.

    judgment · NL · 23 April 2026

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  • Hotărârea Curții (Camera a șaptea) din 23 aprilie 2026.#P.W. împotriva Bank Polska Kasa Opieki S.A.#Cererea de decizie preliminară formulată de Sąd Rejonowy we Włodawie.#Trimitere preliminară – Contracte de credit pentru consumatori – Directiva 2008/48/CE – Articolul 3 litera (j) – Articolul 10 alineatul (2) litera (f) – Noțiunea de «rată a dobânzii aferente creditului» – Noțiunea de «sumă trasă din credit» – Articolul 3 litera (g) – Noțiunea de «cost total al creditului pentru consumatori» – Perceperea de dobânzi pentru o sumă care corespunde unui cost al creditului – Primă de asigurare.#Cauza C-744/24.

    judgment · RO · 23 April 2026

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  • Sentenza tal-Qorti tal-Ġustizzja (Is-Seba’ Awla) tat-23 ta’ April 2026.#P.W. vs Bank Polska Kasa Opieki S.A.#Rinviju għal deċiżjoni preliminari – Kuntratti ta’ kreditu għall-konsumaturi – Direttiva 2008/48/KE – Artikolu 3(j) – Artikolu 10(2)(f) – Kunċett ta’ ‘rata ta’ interessi ta’ self’ – Kunċett ta’ ‘ammont ta’ kreditu miġbud’ – Artikolu 3(g) – Kunċett ta’ ‘spiża totali tal-kreditu lill-konsumatur’ – Ġbir ta’ interessi fuq ammont li jikkorrispondi għal spiża tal-kreditu – Primjum ta’ assigurazzjoni.#Kawża C-744/24.

    judgment · MT · 23 April 2026

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  • Acórdão do Tribunal de Justiça (Sétima Secção) de 23 de abril de 2026.#P.W. contra Bank Polska Kasa Opieki S.A.#Reenvio prejudicial — Contratos de crédito aos consumidores — Diretiva 2008/48/CE — Artigo 3.°, alínea j) — Artigo 10.°, n.° 2, alínea f) — Conceito de “taxa devedora” — Conceito de “montante do crédito levantado” — Artigo 3.°, alínea g) — Conceito de “custo total do crédito para o consumidor” — Cobrança de juros sobre um montante que corresponde a um custo do crédito — Prémio de seguro.#Processo C-744/24.

    judgment · PT · 23 April 2026

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  • Rozsudok Súdneho dvora (siedma komora) z 23. apríla 2026.#P.W. proti Bank Polska Kasa Opieki S.A.#Návrh na začatie prejudiciálneho konania – Zmluvy o spotrebiteľskom úvere – Smernica 2008/48/ES – Článok 3 písm. j) – Článok 10 ods. 2 písm. f) – Pojem ‚úroková sadzba úveru‘ – Pojem ‚výška čerpaného úveru‘ – Článok 3 písm. g) – Pojem ‚celkové náklady spotrebiteľa spojené s úverom‘ – Vyberanie úrokov zo sumy zodpovedajúcej nákladom spojeným s úverom – Poistné.#Vec C-744/24.

    judgment · SK · 23 April 2026

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  • 2026 m. balandžio 23 d. Teisingumo Teismo (septintoji kolegija) sprendimas.#P.W. prieš Bank Polska Kasa Opieki S.A.#Prašymas priimti prejudicinį sprendimą – Vartojimo kredito sutartys – Direktyva 2008/48/EB – 3 straipsnio j punktas – 10 straipsnio 2 dalies f punktas – Sąvoka „kredito palūkanų norma“ – Sąvoka „išmokėta kredito dalis“ – 3 straipsnio g punktas – Sąvoka „bendra kredito kaina vartotojui“ – Palūkanų skaičiavimas už sumą, atitinkančią kredito kainą – Draudimo įmoka.#Byla C-744/24.

    judgment · LT · 23 April 2026

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  • Sentencia del Tribunal de Justicia (Sala Séptima) de 23 de abril de 2026.#P.W. contra Bank Polska Kasa Opieki S.A.#Petición de decisión prejudicial planteada por el Sąd Rejonowy we Włodawie.#Procedimiento prejudicial — Contratos de crédito al consumo — Directiva 2008/48/CE — Artículo 3, letra j) — Artículo 10, apartado 2, letra f) — Concepto de “tipo deudor” — Concepto de “importe del crédito utilizado” — Artículo 3, letra g) — Concepto de “coste total del crédito para el consumidor” — Cobro de intereses sobre un importe correspondiente a un coste del crédito — Prima de seguro.#Asunto C-744/24.

    judgment · ES · 23 April 2026

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  • Euroopa Kohtu otsus (seitsmes koda), 23.4.2026.#P. W. versus Bank Polska Kasa Opieki S.A.#Eelotsusetaotlus – Tarbijakrediidilepingud – Direktiiv 2008/48/EÜ – Artikli 3 punkt j – Artikli 10 lõike 2 punkt f – Mõiste „laenuintress“ – Mõiste „kasutusse võetud krediidisumma“ – Artikli 3 punkt g – Mõiste „krediidi kogukulu tarbijale“ – Intressi kogumine krediidikulule vastavalt summalt – Kindlustusmakse.#Kohtuasi C-744/24.

    judgment · ET · 23 April 2026

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  • Presuda Suda (sedmo vijeće) 23. travnja 2026.#P.W. protiv Bank Polska Kasa Opieki S.A.#Zahtjev za prethodnu odluku – Ugovori o potrošačkim kreditima – Direktiva 2008/48/EZ – Članak 3. točka (j) – Članak 10. stavak 2. točka (f) – Pojam ‚stopa zaduživanja’ – Pojam ‚iznos dobivenog kredita’ – Članak 3. točka (g) – Pojam ,ukupni troškovi kredita za potrošača᾽ – Naplata kamata na iznos koji odgovara trošku kredita – Premija osiguranja.#Predmet C-744/24.

    judgment · HR · 23 April 2026

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  • Rozsudek Soudního dvora (sedmého senátu) ze dne 23. dubna 2026.#P.W. v. Bank Polska Kasa Opieki S.A.#Řízení o předběžné otázce – Smlouvy o spotřebitelském úvěru – Směrnice 2008/48/ES – Článek 3 písm. j) – Článek 10 odst. 2 písm. f) – Pojem ‚výpůjční úroková sazba‘ – Pojem ‚čerpaná výše úvěru‘ – Článek 3 písm. g) – Pojem ‚celkové náklady úvěru pro spotřebitele‘ – Účtování úroků z částky odpovídající nákladům úvěru – Pojistné.#Věc C-744/24.

    judgment · CS · 23 April 2026

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  • Urteil des Gerichtshofs (Siebte Kammer) vom 23. April 2026.#P.W. gegen Bank Polska Kasa Opieki S.A.#Vorlage zur Vorabentscheidung – Verbraucherkreditverträge – Richtlinie 2008/48/EG – Art. 3 Buchst. j – Art. 10 Abs. 2 Buchst. f – Begriff ‚Sollzinssatz‘ – Begriff ‚Kredit-Auszahlungsbeträge‘ – Art. 3 Buchst. g – Begriff ‚Gesamtkosten des Kredits für den Verbraucher‘ – Erhebung von Zinsen auf einen Betrag, der Kreditkosten entspricht – Versicherungsprämie.#Rechtssache C-744/24.

    judgment · DE · 23 April 2026

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  • Απόφαση του Δικαστηρίου (έβδομο τμήμα) της 23ης Απριλίου 2026.#P.W. κατά Bank Polska Kasa Opieki S.A.#Προδικαστική παραπομπή – Συμβάσεις καταναλωτικής πίστης – Οδηγία 2008/48/ΕΚ – Άρθρο 3, στοιχείο ιʹ – Άρθρο 10, παράγραφος 2, στοιχείο στʹ – Έννοια του “χρεωστικού επιτοκίου” – Έννοια του “ποσoύ της πίστωσης που αναλαμβάνεται” – Άρθρο 3, στοιχείο ζʹ – Έννοια του “συνολικού κόστους της πίστωσης για τον καταναλωτή” – Είσπραξη τόκων επί ποσού που αντιστοιχεί στο κόστος της πίστωσης – Ασφάλιστρα.#Υπόθεση C-744/24.

    judgment · EL · 23 April 2026

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  • Wyrok Trybunału (siódma izba) z dnia 23 kwietnia 2026 r.#P.W. przeciwko Bank Polska Kasa Opieki S.A.#Odesłanie prejudycjalne – Umowy o kredyt konsumencki – Dyrektywa 2008/48/WE – Artykuł 3 lit. j) – Artykuł 10 ust. 2 lit. f) – Pojęcie „stopy oprocentowania kredytu” – Pojęcie „wypłaconej kwoty kredytu” – Artykuł 3 lit. g) – Pojęcie „całkowitego kosztu kredytu ponoszonego przez konsumenta” – Pobieranie odsetek od kwoty kosztu kredytu – Składka ubezpieczeniowa.#Sprawa C-744/24.

    judgment · PL · 23 April 2026

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  • Arrêt de la Cour (septième chambre) du 23 avril 2026.#P.W. contre Bank Polska Kasa Opieki S.A.#Renvoi préjudiciel – Contrats de crédit aux consommateurs – Directive 2008/48/CE – Article 3, sous j) – Article 10, paragraphe 2, sous f) – Notion de “taux débiteur” – Notion de “montant de crédit prélevé” – Article 3, sous g) – Notion de “coût total du crédit pour le consommateur” – Perception d’intérêts sur un montant correspondant à un coût du crédit – Prime d’assurance.#Affaire C-744/24.

    judgment · FR · 23 April 2026

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  • Breithiúnas na Cúirte (An Seachtú Dlísheomra) 2026 Aibreán 23.#P.W. v Bank Polska Kasa Opieki S.A.#Tarchur chun réamhrialú – Comhaontuithe creidmheasa do thomhaltóirí – Treoir 2008/48/CE – Airteagal 3(j) – Airteagal 10(2)(f) – An coincheap ‘ráta iasachta’ – An coincheap ‘méid creidmheasa arna tharraingt anuas’ – Airteagal 3(g) – An coincheap ‘costas iomlán an chreidmheasa ar an tomhaltóir’ – Fáil úis ar mhéid a chomhfhreagraíonn do chostas an chreidmheasa – Préimh árachais.#Cás C-744/24.

    judgment · GA · 23 April 2026

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  • Judgment of the Court (Seventh Chamber) of 23 April 2026.#P.W. v Bank Polska Kasa Opieki S.A.#Reference for a preliminary ruling – Credit agreements for consumers – Directive 2008/48/EC – Article 3(j) – Article 10(2)(f) – The concept of ‘borrowing rate’ – The concept of ‘amount of credit drawn down’ – Article 3(g) – The concept of ‘total cost of the credit to the consumer’ – Charging interest on an amount corresponding to the cost of the credit – Insurance premium.#Case C-744/24.

    judgment · EN · 23 April 2026

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