BAWAG

Judgment of the Court (First Chamber) of 27 February 2025 (request for a preliminary ruling from the Oberster Gerichtshof – Austria) – Verein für Konsumenteninformation v BAWAG P. S. K. Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG(Case C-85/24, 1 BAWAG)(Reference for a preliminary ruling – Consumer protection – Credit agreements for consumers relating to residential immovable property – Directive 2014/17/EU – Article 13(1)(g) – General information on home loan products – Obligation to provide a ‘representative example’ – Directive 2005/29/EC – Article 7 – Banking institution offering different variants of loans – Information sheet including only examples of variable rate credit agreements)Language of the case: German Referring court Oberster Gerichtshof Parties to the main proceedings Applicant and appellant on a point of law: Verein für Konsumenteninformation Defendant and respondent on a point of law: BAWAG P. S. K. Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AGOperative part of the judgment Article 13(1)(g) of Directive 2014/17/EU of the European Parliament and of the Council of 4 February 2014 on credit agreements for consumers relating to residential immovable property and amending Directives 2008/48/EC and 2013/36/EU and Regulation (EU) No 1093/2010 must be interpreted as meaning that a creditor who offers, for the purpose of financing the construction of a dwelling, credit agreements, whether or not secured by a mortgage, at...