{"id":53547,"date":"2018-01-31T09:39:37","date_gmt":"2018-01-31T08:39:37","guid":{"rendered":"https:\/\/www.nzp.de\/supreme-court-of-slovenia-if-the-risk-assessment-is-deficient-the-chf-loan-is-invalid\/"},"modified":"2026-07-23T11:38:40","modified_gmt":"2026-07-23T09:38:40","slug":"supreme-court-of-slovenia-if-the-risk-assessment-is-deficient-the-chf-loan-is-invalid","status":"publish","type":"post","link":"https:\/\/www.nzp.de\/es\/supreme-court-of-slovenia-if-the-risk-assessment-is-deficient-the-chf-loan-is-invalid\/","title":{"rendered":"Supreme Court of Slovenia: If the Risk Assessment is Deficient, the CHF Loan is Invalid"},"content":{"rendered":"<p>[et_pb_section bb_built=&#8221;1&#8243; admin_label=&#8221;section&#8221; custom_padding=&#8221;0px|0px|0px|0px&#8221; _builder_version=&#8221;3.0.60&#8243; background_image=&#8221;https:\/\/nzp.de\/wp-content\/uploads\/2017\/07\/nzp-spiegelung.jpg&#8221;][et_pb_row admin_label=&#8221;row&#8221; custom_padding=&#8221;140px||25px|&#8221; column_padding_mobile=&#8221;on&#8221; parallax_method_1=&#8221;off&#8221; _builder_version=&#8221;3.0.47&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221;][et_pb_column type=&#8221;4_4&#8243;][et_pb_text _builder_version=&#8221;3.0.73&#8243; text_font=&#8221;|on|||&#8221; text_font_size=&#8221;16px&#8221; text_text_color=&#8221;#d8501e&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; background_layout=&#8221;light&#8221; text_orientation=&#8221;left&#8221; border_style=&#8221;solid&#8221;]<\/p>\n<p><img decoding=\"async\" class=\"alignnone size-full wp-image-24918\" src=\"https:\/\/www.nzp.de\/wp-content\/uploads\/2026\/07\/linie-blau-1.png\" alt=\"02\" width=\"40\" height=\"13\" \/><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section bb_built=&#8221;1&#8243; transparent_background=&#8221;on&#8221; custom_padding=&#8221;|||&#8221; fullwidth=&#8221;on&#8221; _builder_version=&#8221;3.0.60&#8243;][et_pb_fullwidth_post_title author=&#8221;off&#8221; date_format=&#8221;j. M Y &#8221; comments=&#8221;off&#8221; featured_image=&#8221;off&#8221; _builder_version=&#8221;3.0.73&#8243; title_font_size=&#8221;42px&#8221; title_letter_spacing=&#8221;1px&#8221; title_line_height=&#8221;1.2em&#8221; meta_font_size=&#8221;15px&#8221; meta_line_height=&#8221;1.2em&#8221; custom_margin=&#8221;|||&#8221; custom_padding=&#8221;90px||60px|&#8221; title_font_size_last_edited=&#8221;on|phone&#8221; title_font_size_tablet=&#8221;42px&#8221; title_font_size_phone=&#8221;30px&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; custom_padding_tablet=&#8221;60px||50px|&#8221; custom_padding_phone=&#8221;50px||40px|&#8221; \/][\/et_pb_section][et_pb_section bb_built=&#8221;1&#8243; transparent_background=&#8221;on&#8221; _builder_version=&#8221;3.0.60&#8243; custom_padding=&#8221;0px|0px|57px|0px&#8221;][et_pb_row use_custom_width=&#8221;on&#8221; custom_width_px=&#8221;1050px&#8221; _builder_version=&#8221;3.0.60&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; custom_padding=&#8221;0px|0px|28px|0px&#8221;][et_pb_column type=&#8221;4_4&#8243;][et_pb_text _builder_version=&#8221;3.0.73&#8243; text_font_size=&#8221;18px&#8221; header_font_size=&#8221;37px&#8221; background_layout=&#8221;light&#8221; text_orientation=&#8221;left&#8221; border_style=&#8221;solid&#8221;]<\/p>\n<p>In most cases (where the aggrieved party has suffered damages resulting from \u00a0a foreign currency loan) the Hungarian courts declare only partial invalidity of the agreement. Another problem is that referring to some \u2013 very unprofessionally and ambivalently phrased \u2013 verdicts of the Supreme Court of Hungary the courts only examine the formal existence of the risk assessment.<\/p>\n<p>We stressed in processes for years (successfully in many cases) that this practice is highly inappropriate. We have also emphasized that according to Council Directive 93\/13\/EGK, the legal background of the similar cases will be almost the same in the other European states\u2019 legal systems; so the full-blown legal practice of the other states should be taken into consideration.<\/p>\n<p>The Supreme Court of Slovenia recently passed a judgement in favour of the borrowers and adjudged the complete invalidity of a CHF-based consumer loan agreement based on the same arguments as our Firm kept stressing for years. The decision from January 2018 has been reported by the Hungarian press too.<\/p>\n<p>Though we don\u2019t have the complete reasoning yet, we could summarize the essence of the oral reasoning following the Slovenian press release.<\/p>\n<p>The Supreme Court has decided that the CHF loans are not conventional agreements but high risk financial products, and the banks didn\u2019t provide enough information for the consumers about the loan agreements. The judgement verified that the requirements of the judgment of the European Court of Justice in the case C-186\/16 were not met. The Court stated that:<\/p>\n<ul>\n<li>Though the terms concerning the CHF were grammatically correct, there was no clear and plain explanation about the factors influencing the mechanism and about the occurrences that could possibly result the change of the exchange rates, which were unknown to the consumers.<\/li>\n<li>The CHF loans are not conventional loans but loans that have a close relation to the FOREX market, therefore the bank should inform the customers about that too.<\/li>\n<li>The bank has to provide information about how the Euro\u2019s significant deprecation will take effect on the remaining debt and how it will raise the installments.<\/li>\n<li>In the case of a special product, which is not a conventional mortgage but a complex financial product, the bank has to inform the customers through special consultants with specific qualification for this kind of work.<\/li>\n<li>The bank didn\u2019t offer any products for the consumer to lower the risk of the exchange rate fluctuations, whilst he is completely protected against them.<\/li>\n<li>The bank knew that the consumers don\u2019t have CHF income and that they don\u2019t want to speculate as investors, so they choose the loan only because of the lower interest rates.<\/li>\n<li>Finally the bank knew that the Euro deprecation and the deterioration of the consumer\u2019s credit standing as result goes beyond the consumer\u2019s capacity.<\/li>\n<\/ul>\n<p>The Court has emphasized that the similar decisions of the German and Spanish Supreme Courts were given persuasive consideration in the reasoning.<\/p>\n<p>If you are interested in the details, please don\u2019t hesitate to contact us!<\/p>\n<p>[\/et_pb_text][et_pb_post_nav _builder_version=&#8221;3.0.60&#8243; 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Invalid","link":"https:\/\/www.nzp.de\/es\/supreme-court-of-slovenia-if-the-risk-assessment-is-deficient-the-chf-loan-is-invalid\/"}],"_links":{"self":[{"href":"https:\/\/www.nzp.de\/es\/wp-json\/wp\/v2\/posts\/53547","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.nzp.de\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.nzp.de\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.nzp.de\/es\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.nzp.de\/es\/wp-json\/wp\/v2\/comments?post=53547"}],"version-history":[{"count":0,"href":"https:\/\/www.nzp.de\/es\/wp-json\/wp\/v2\/posts\/53547\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.nzp.de\/es\/wp-json\/wp\/v2\/media\/50513"}],"wp:attachment":[{"href":"https:\/\/www.nzp.de\/es\/wp-json\/wp\/v2\/media?parent=53547"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.nzp.de\/es\/wp-json\/wp\/v2\/categories?post=53547"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.nzp.de\/es\/wp-json\/wp\/v2\/tags?post=53547"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}