Tytuł
Redukcja kosztów w razie przedterminowej spłaty kredytu konsumenckiego w świetle orzeczenia TSUE C-383/18
Keywords
consumer credit, consumer, early repayment, total cost of credit, reduction of costs
Słowa kluczowe
kredyt konsumencki, konsument, przedterminowa spłata, całkowity koszt kredytu, redukcja kosztów
Abstract
The aim of the article is to examine the effects of the judgment of the Court of Justice of the European Union in case C-383/18 (Lexitor) on the functioning of the consumer credit market. The article does not constitute a comprehensive analysis of the discussed issue, but touches upon selected issues and interpretation doubts arising in connection with the above ruling in the context of the wording of the provisions of the Consumer Credit Act. The Court has interpreted the provisions of Directive 2008/48/EC with regard to the types of costs subject to reduction in the case of an early repayment of credit, however, the above ruling did not eliminate all the problems of interpretation. The article analyses first of all the problems of the correct transposition of Article 16(1) of the Directive into Polish law and its effects, as well as doubts concerning the methodology of calculating the reduction of consumer credit costs in the case of an early repayment.
Abstrakt
The aim of the article is to examine the effects of the judgment of the Court of Justice of the European Union in case C-383/18 (Lexitor) on the functioning of the consumer credit market. The article does not constitute a comprehensive analysis of the discussed issue, but touches upon selected issues and interpretation doubts arising in connection with the above ruling in the context of the wording of the provisions of the Consumer Credit Act. The Court has interpreted the provisions of Directive 2008/48/EC with regard to the types of costs subject to reduction in the case of an early repayment of credit, however, the above ruling did not eliminate all the problems of interpretation. The article analyses first of all the problems of the correct transposition of Article 16(1) of the Directive into Polish law and its effects, as well as doubts concerning the methodology of calculating the reduction of consumer credit costs in the case of an early repayment.
Recommended Citation
Wachnicka, A. (2019). Reduction in the total cost of consumer credit in case of early repayment in light of the CJEU ruling C-383/18. internetowy Kwartalnik Antymonopolowy i Regulacyjny (internet Quarterly on Antitrust and Regulation), 8(8), 78-91. https://doi.org/10.7172/2299-5749.IKAR.8.8.6
First Page
78
Last Page
91
Page Count
14
DOI
10.7172/2299-5749.IKAR.8.8.6
JEL Code
K12, K15, K23
Publisher
University of Warsaw
