Según el Abogado General Wahl, las cláusulas que establecen, para el desembolso de un préstamo en moneda extranjera, la aplicación de un tipo de cambio diferente del aplicable a la devolución del préstamo, no se sustraen necesariamente a la apreciación de su carácter abusivo

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According to Advocate General Wahl, contractual terms which provide, in respect of the advancement of a loan in foreign currency, for the use of an exchange rate which differs from that used for the repayment of the loan are not necessarily exempt from an assessment as to whether they are unfair

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El 29 de mayo de 2008, el Sr. Kásler y la Sra. Káslerné Rábai celebraron con un banco húngaro un contrato de préstamo hipotecario denominado en moneda extranjera.

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On 29 May 2008, Mr Kásler and Mrs Káslerné Rábai concluded a contract for a mortgage loan denominated in foreign currency with a Hungarian bank.

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La Kúria (Tribunal Supremo de Hungría), que conoce del litigio en casación, pregunta al Tribunal de Justicia si la cláusula que determina los tipos de cambio aplicables a un contrato de préstamo denominado en moneda extranjera se refiere a su objeto principal o a la relación calidad/precio de la prestación.

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The Kúria (Hungarian Supreme Court), before which the case was brought on appeal, asks the Court of Justice whether the term determining the rates of exchange applicable to a loan contract denominated in foreign currency relates to the main subject-matter of the contract or to the value for money of the services supplied under it.

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Si bien puede considerarse a priori que esas cláusulas forman parte del objeto principal de un contrato de préstamo en moneda extranjera, corresponde al órgano jurisdiccional nacional determinar si los consumidores estaban en condiciones de comprender que se exponían a una carga adicional debido a la diferencia entre los dos tipos de cambio

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While such terms may, in principle, be considered to be included within the main subject-matter of a loan contract denominated in foreign currency, it is nevertheless for the national court to determine whether the consumers were in a position to understand that they would be subject to additional expense by reason of the difference between the two rates of exchange

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En este contexto, el Abogado General Wahl opina que, en el caso de un contrato específicamente denominado en moneda extranjera (como el controvertido en este caso), las cláusulas que determinan los tipos de cambio aplicables forman parte, igual que ocurre con las relativas a la puesta a disposición del capital y al pago de los intereses, del objeto principal del contrato.

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In that context, Advocate General Wahl takes the view that, in the case of a contract specifically denominated in foreign currency (such as that at issue in the present case), the terms determining the applicable rates of exchange, like those relating to the provision of the capital and the payment of interest, form part of the main subject-matter of the contract.

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cuando puedan contratarse créditos en moneda extranjera , una indicación de la misma , explicando las implicaciones que tiene para el consumidor la denominación de un crédito en moneda extranjera;

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where foreign currency loans are available, an indication of the foreign currency or currencies , including an explanation of the implications for the consumer where the credit is denominated in a foreign currency;

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(f) cuando puedan contratarse créditos en moneda extranjera , una indicación de la misma , explicando las implicaciones que tiene para el consumidor la denominación de un crédito en moneda extranjera;

http://www.europarl.europa.eu/ (...) (...) [HTML] [2013-09-09]

(f) where foreign currency loans are available, an indication of the foreign currency or currencies , including an explanation of the implications for the consumer where the credit is denominated in a foreign currency;

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Hoy todos los europeos tienen una moneda extranjera. Además, se comprueba una nueva inflación de los precios.

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Everyone in Europe now has a foreign currency and we are also seeing a return to rising prices.

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La idea del profesor Tobin de aplicar un impuesto a las transacciones en moneda extranjera tenía como objetivo, según su definición, poner un grano de arena en los mercados monetarios internacionales.

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As originally defined, Professor Tobin’s idea of imposing a tax on foreign currency transactions was intended to put a damper on international monetary markets.

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Las monedas extranjeras se deben gastar, y es muy importante que la gente lo sepa antes del verano.

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Foreign coins must be spent, and it is vital for people to know this before the summer.

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Date index: 2022-12-02