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Joined Cases C-511/15 and C-512/15: Order of the Court (Sixth Chamber) of 12 October 2016 (request for a preliminary ruling from the Prekršajni sud u Bjelovaru — Croatia) — Renata Horžić (C-511/15), Siniša Pušić (C-512/15) v Privredna banka Zagreb d.d., Božo Prka (Reference for a preliminary ruling — Article 99 of the Rules of Procedure of the Court of Justice — Agreements concerning credit for consumers — Directive 2008/48/EC — Credit agreement for immovable property — Variable interest rates — Obligations on the creditor — National legislation applicable to agreements existing at the date on which that legislation comes into force — Inapplicability of Directive 2008/48)
ECLI:EU:UNKNOWN:62015CB0511
62015CB0511
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19.12.2016
Official Journal of the European Union
C 475/8
(Joined Cases C-511/15 and C-512/15) (1)
((Reference for a preliminary ruling - Article 99 of the Rules of Procedure of the Court of Justice - Agreements concerning credit for consumers - Directive 2008/48/EC - Credit agreement for immovable property - Variable interest rates - Obligations on the creditor - National legislation applicable to agreements existing at the date on which that legislation comes into force - Inapplicability of Directive 2008/48))
(2016/C 475/11)
Language of the case: Croatian
Referring court
Parties to the main proceedings
Applicants: Renata Horžić (C-511/15), Siniša Pušić (C-512/15)
Defendants: Privredna banka Zagreb d.d., Božo Prka
Operative part of the order
Articles 23 and 30(1) of Directive 2008/48/EC of the European Parliament and of the Council of 23 April 2008 on credit agreements for consumers and repealing Council Directive 87/102/EEC must be interpreted as not precluding national provisions, such as those at issue in the main proceedings, which require the creditor, on pain of criminal penalties, to comply with obligations concerning variable interest rates in respect of credit agreements existing at the date on which those provisions came into force, since those credit agreements fall outside the material scope of that directive and, furthermore, those obligations do not constitute an implementation of that directive.
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Language of the case: Croatian.