{"id":53644,"date":"2021-09-19T08:56:20","date_gmt":"2021-09-19T06:56:20","guid":{"rendered":"https:\/\/www.nzp.de\/ecj-ruling-on-required-components-in-consumer-credit-agreements\/"},"modified":"2026-09-08T16:23:47","modified_gmt":"2026-09-08T14:23:47","slug":"ecj-ruling-on-required-components-in-consumer-credit-agreements","status":"publish","type":"post","link":"https:\/\/www.nzp.de\/ru\/\u0440\u0435\u0448\u0435\u043d\u0438\u0435-\u0435\u0441\u043f\u0447-\u043e-\u043e\u0431\u044f\u0437\u0430\u0442\u0435\u043b\u044c\u043d\u044b\u0445-\u044d\u043b\u0435\u043c\u0435\u043d\u0442\u0430\/","title":{"rendered":"\u0420\u0435\u0448\u0435\u043d\u0438\u0435 \u0415\u0432\u0440\u043e\u043f\u0435\u0439\u0441\u043a\u043e\u0433\u043e \u0441\u0443\u0434\u0430 \u043e \u043e\u0431\u044f\u0437\u0430\u0442\u0435\u043b\u044c\u043d\u044b\u0445 \u044d\u043b\u0435\u043c\u0435\u043d\u0442\u0430\u0445 \u0434\u043e\u0433\u043e\u0432\u043e\u0440\u043e\u0432 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\u0414\u0438\u0440\u0435\u043a\u0442\u0438\u0432\u044b 2008\/48\/\u0415\u0421. \u041d\u0430\u043f\u0440\u0438\u043c\u0435\u0440, \u043f\u043e\u0442\u0440\u0435\u0431\u0438\u0442\u0435\u043b\u044c \u0432 \u043f\u0440\u0435\u0434\u0435\u043b\u0430\u0445 \u0441\u0443\u043c\u043c\u044b \u043a\u0440\u0435\u0434\u0438\u0442\u0430, \u0432\u044b\u043f\u043b\u0430\u0447\u0435\u043d\u043d\u043e\u0439 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0440\u0443, \u043e\u0441\u0432\u043e\u0431\u043e\u0436\u0434\u0430\u0435\u0442\u0441\u044f \u043e\u0442 \u043e\u0431\u044f\u0437\u0430\u0442\u0435\u043b\u044c\u0441\u0442\u0432\u0430 \u0443\u043f\u043b\u0430\u0442\u0438\u0442\u044c \u043f\u043e\u043a\u0443\u043f\u043d\u0443\u044e \u0446\u0435\u043d\u0443.<\/p>\n<p>\u0421\u0442\u0430\u0442\u044c\u044f 10(2) \u0414\u0438\u0440\u0435\u043a\u0442\u0438\u0432\u044b 2008\/48\/\u0415\u0421 \u043d\u0435 \u0442\u0440\u0435\u0431\u0443\u0435\u0442 \u043f\u0440\u0435\u0434\u043e\u0441\u0442\u0430\u0432\u043b\u0435\u043d\u0438\u044f \u0438\u043d\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u0438 \u043e \u043d\u0430\u0446\u0438\u043e\u043d\u0430\u043b\u044c\u043d\u044b\u0445 \u043f\u0440\u0430\u0432\u0438\u043b\u0430\u0445 \u0440\u0430\u0441\u0442\u043e\u0440\u0436\u0435\u043d\u0438\u044f \u0434\u043e\u0433\u043e\u0432\u043e\u0440\u0430, \u043a\u043e\u0442\u043e\u0440\u044b\u0435 \u043d\u0435 \u043f\u0440\u0438\u043c\u0435\u043d\u044f\u044e\u0442\u0441\u044f \u0442\u0430\u043a\u0436\u0435 \u0432 \u0441\u043e\u043e\u0442\u0432\u0435\u0442\u0441\u0442\u0432\u0438\u0438 \u0441 \u0437\u0430\u043a\u043e\u043d\u043e\u0434\u0430\u0442\u0435\u043b\u044c\u0441\u0442\u0432\u043e\u043c \u0415\u0421.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>\u041f\u043e\u0441\u043b\u0435\u0434\u0441\u0442\u0432\u0438\u044f<\/strong><\/p>\n<p>\u0420\u0435\u0448\u0435\u043d\u0438\u0435 \u0415\u0421\u041f\u0427 \u0432\u043b\u0435\u0447\u0435\u0442 \u0437\u0430 \u0441\u043e\u0431\u043e\u0439 \u0432\u043e\u0437\u043c\u043e\u0436\u043d\u043e\u0441\u0442\u044c \u0430\u043d\u043d\u0443\u043b\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f \u0446\u0435\u043b\u043e\u0433\u043e \u0440\u044f\u0434\u0430 \u0434\u043e\u0433\u043e\u0432\u043e\u0440\u043e\u0432 \u043e \u043f\u043e\u0442\u0440\u0435\u0431\u0438\u0442\u0435\u043b\u044c\u0441\u043a\u043e\u043c \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432\u0430\u043d\u0438\u0438.<\/p>\n<p>14-\u0434\u043d\u0435\u0432\u043d\u044b\u0439 \u0441\u0440\u043e\u043a \u0434\u043b\u044f \u043e\u0442\u043a\u0430\u0437\u0430 \u043e\u0442 \u0434\u043e\u0433\u043e\u0432\u043e\u0440\u0430 \u043d\u0430\u0447\u0438\u043d\u0430\u0435\u0442\u0441\u044f \u0441 \u043c\u043e\u043c\u0435\u043d\u0442\u0430 \u043f\u043e\u043b\u0443\u0447\u0435\u043d\u0438\u044f \u0438\u043d\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u0438, \u043f\u0440\u0435\u0434\u0443\u0441\u043c\u043e\u0442\u0440\u0435\u043d\u043d\u043e\u0439 \u043f\u0443\u043d\u043a\u0442\u043e\u043c 2 \u0441\u0442\u0430\u0442\u044c\u0438 10 \u0414\u0438\u0440\u0435\u043a\u0442\u0438\u0432\u044b 2008\/48\/\u0415\u0421.<\/p>\n<p>\u041f\u043e \u043c\u043d\u0435\u043d\u0438\u044e \u0415\u0421\u041f\u0427, \u0432\u043e\u0437\u0440\u0430\u0436\u0435\u043d\u0438\u0435 \u043e \u043f\u043e\u0442\u0435\u0440\u0435 \u043f\u0440\u0430\u0432\u0430 \u0438\u043b\u0438 \u043f\u0440\u0435\u0434\u043f\u043e\u043b\u043e\u0436\u0435\u043d\u0438\u0435 \u043e \u0437\u043b\u043e\u0443\u043f\u043e\u0442\u0440\u0435\u0431\u043b\u0435\u043d\u0438\u0438 \u043f\u0440\u0430\u0432\u0430\u043c\u0438 \u043d\u0435 \u043c\u043e\u0433\u0443\u0442 \u0431\u044b\u0442\u044c \u0440\u0430\u0441\u0441\u043c\u043e\u0442\u0440\u0435\u043d\u044b, \u0435\u0441\u043b\u0438 \u0432 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u0445 \u0434\u043e\u0433\u043e\u0432\u043e\u0440\u0430\u0445 \u043e\u0442\u0441\u0443\u0442\u0441\u0442\u0432\u0443\u044e\u0442 \u043d\u0435\u043e\u0431\u0445\u043e\u0434\u0438\u043c\u044b\u0435 \u044d\u043b\u0435\u043c\u0435\u043d\u0442\u044b, \u0442\u0430\u043a\u0438\u0435 \u043a\u0430\u043a \u0432\u044b\u0448\u0435\u0443\u043f\u043e\u043c\u044f\u043d\u0443\u0442\u0430\u044f \u0438\u043d\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u044f.<\/p>\n<p>\u042d\u0442\u043e \u043e\u0437\u043d\u0430\u0447\u0430\u0435\u0442, \u0447\u0442\u043e \u043d\u0435\u043a\u043e\u0442\u043e\u0440\u044b\u0435 \u0434\u043e\u0433\u043e\u0432\u043e\u0440\u044b \u043c\u043e\u0433\u0443\u0442 \u0431\u044b\u0442\u044c \u0430\u043d\u043d\u0443\u043b\u0438\u0440\u043e\u0432\u0430\u043d\u044b \u0434\u0430\u0436\u0435 \u0441\u043f\u0443\u0441\u0442\u044f \u043d\u0435\u0441\u043a\u043e\u043b\u044c\u043a\u043e \u043b\u0435\u0442 \u043f\u043e\u0441\u043b\u0435 \u0438\u0445 \u0437\u0430\u043a\u043b\u044e\u0447\u0435\u043d\u0438\u044f.<\/p>\n<p>\u041c\u043d\u043e\u0433\u0438\u0435 \u0442\u0438\u043f\u043e\u0432\u044b\u0435 \u0444\u043e\u0440\u043c\u044b \u0434\u043e\u0433\u043e\u0432\u043e\u0440\u043e\u0432, \u0438\u0441\u043f\u043e\u043b\u044c\u0437\u0443\u0435\u043c\u044b\u0435 \u043d\u0430 \u043f\u0440\u0430\u043a\u0442\u0438\u043a\u0435, \u043d\u0435 \u0441\u043e\u043e\u0442\u0432\u0435\u0442\u0441\u0442\u0432\u0443\u044e\u0442 \u0442\u0440\u0435\u0431\u043e\u0432\u0430\u043d\u0438\u044f\u043c \u043f\u043e\u0441\u0442\u0430\u043d\u043e\u0432\u043b\u0435\u043d\u0438\u044f \u0415\u0421\u041f\u0427. \u041f\u043e\u0441\u043a\u043e\u043b\u044c\u043a\u0443 \u0434\u0438\u0440\u0435\u043a\u0442\u0438\u0432\u0430 \u0440\u0430\u0441\u043f\u0440\u043e\u0441\u0442\u0440\u0430\u043d\u044f\u0435\u0442\u0441\u044f \u043d\u0430 \u0432\u0441\u0435 \u0434\u043e\u0433\u043e\u0432\u043e\u0440\u044b \u043f\u043e\u0442\u0440\u0435\u0431\u0438\u0442\u0435\u043b\u044c\u0441\u043a\u043e\u0433\u043e \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432\u0430\u043d\u0438\u044f, \u0437\u0430 \u0438\u0441\u043a\u043b\u044e\u0447\u0435\u043d\u0438\u0435\u043c \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432, \u043e\u0431\u0435\u0441\u043f\u0435\u0447\u0435\u043d\u043d\u044b\u0445 \u0437\u0430\u043b\u043e\u0433\u043e\u043c \u043d\u0435\u0434\u0432\u0438\u0436\u0438\u043c\u043e\u0433\u043e \u0438\u043c\u0443\u0449\u0435\u0441\u0442\u0432\u0430, \u044d\u0442\u043e \u0437\u0430\u0442\u0440\u0430\u0433\u0438\u0432\u0430\u0435\u0442 \u043c\u043d\u043e\u0433\u0438\u0435 \u0434\u043e\u0433\u043e\u0432\u043e\u0440\u044b \u043f\u043e\u0442\u0440\u0435\u0431\u0438\u0442\u0435\u043b\u044c\u0441\u043a\u043e\u0433\u043e \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432\u0430\u043d\u0438\u044f.<\/p>\n<div style=\"position: absolute; width: 1px; height: 1px; margin: -1px; padding: 0px; border: 0px; overflow: hidden; clip: rect(0px, 0px, 0px, 0px); clip-path: inset(50%); white-space: nowrap;\" role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/div>\n<div style=\"position: absolute; width: 1px; height: 1px; margin: -1px; padding: 0px; border: 0px; overflow: hidden; clip: rect(0px, 0px, 0px, 0px); clip-path: inset(50%); white-space: nowrap;\" role=\"alert\" aria-live=\"assertive\" aria-atomic=\"true\"><\/div>","protected":false},"excerpt":{"rendered":"<p>In a preliminary ruling on a referral from the Landgericht Ravensburg, the ECJ has ruled on the interpretation of Directive 2008\/48\/EC of 23 April 2008 on credit agreements for consumers and repealing Council Directive 87\/102\/EEC (Judgement of 9 September 2021, C-33\/20, C-155\/20 and C-187\/20). The subject of the proceedings before the Landgericht were car credit [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":51105,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[139],"tags":[960,963,2408],"class_list":["post-53644","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news-en","tag-credit","tag-withdraw","tag-withdrawal"],"acf":[],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.0.1 - aioseo.com -->\n\t<meta name=\"description\" content=\"In a preliminary ruling on a referral from the Landgericht Ravensburg, the ECJ has ruled on the interpretation of Directive 2008\/48\/EC of 23 April 2008 on credit agreements for consumers and repealing Council Directive 87\/102\/EEC (Judgement of 9 September 2021, C-33\/20, C-155\/20 and C-187\/20). The subject of the proceedings before the Landgericht were car credit\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<meta name=\"author\" content=\"Peter Taller\"\/>\n\t<meta name=\"google-site-verification\" content=\"0ZCEmvP3Jss6hqLOqbcJenXmykbTzE02xFLyiDZx5i8\" \/>\n\t<meta name=\"keywords\" content=\"credit,withdraw,withdrawal\" \/>\n\t<link rel=\"canonical\" href=\"https:\/\/www.nzp.de\/ru\/\u0440\u0435\u0448\u0435\u043d\u0438\u0435-\u0435\u0441\u043f\u0447-\u043e-\u043e\u0431\u044f\u0437\u0430\u0442\u0435\u043b\u044c\u043d\u044b\u0445-\u044d\u043b\u0435\u043c\u0435\u043d\u0442\u0430\/\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO (AIOSEO) 5.0.0.1\" \/>\n\t\t<script type=\"application\/ld+json\" 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agreements\",\"author\":{\"@id\":\"https:\\\/\\\/www.nzp.de\\\/ru\\\/author\\\/nzp-intern\\\/#author\"},\"publisher\":{\"@id\":\"https:\\\/\\\/www.nzp.de\\\/ru\\\/#organization\"},\"image\":{\"@type\":\"ImageObject\",\"url\":\"https:\\\/\\\/www.nzp.de\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/business-4576778_1920.jpg\",\"width\":1920,\"height\":1238},\"datePublished\":\"2021-09-19T08:56:20+02:00\",\"dateModified\":\"2026-09-08T16:23:47+02:00\",\"inLanguage\":\"ru-RU\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.nzp.de\\\/ru\\\/\\u0440\\u0435\\u0448\\u0435\\u043d\\u0438\\u0435-\\u0435\\u0441\\u043f\\u0447-\\u043e-\\u043e\\u0431\\u044f\\u0437\\u0430\\u0442\\u0435\\u043b\\u044c\\u043d\\u044b\\u0445-\\u044d\\u043b\\u0435\\u043c\\u0435\\u043d\\u0442\\u0430\\\/#webpage\"},\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.nzp.de\\\/ru\\\/\\u0440\\u0435\\u0448\\u0435\\u043d\\u0438\\u0435-\\u0435\\u0441\\u043f\\u0447-\\u043e-\\u043e\\u0431\\u044f\\u0437\\u0430\\u0442\\u0435\\u043b\\u044c\\u043d\\u044b\\u0445-\\u044d\\u043b\\u0435\\u043c\\u0435\\u043d\\u0442\\u0430\\\/#webpage\"},\"articleSection\":\"News, 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consumer credit agreements | NZP NAGY LEGAL","description":"In a preliminary ruling on a referral from the Landgericht Ravensburg, the ECJ has ruled on the interpretation of Directive 2008\/48\/EC of 23 April 2008 on credit agreements for consumers and repealing Council Directive 87\/102\/EEC (Judgement of 9 September 2021, C-33\/20, C-155\/20 and C-187\/20). 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09:05:17","updated":"2026-09-08 14:26:09","seo_analyzer_scan_date":null,"focus_keyword":null,"additional_keywords":null,"truseo_locale":null},"aioseo_breadcrumb":"<div class=\"aioseo-breadcrumbs\"><span class=\"aioseo-breadcrumb\">\n\t\t\t<a href=\"https:\/\/www.nzp.de\/ru\" title=\"Home\">Home<\/a>\n\t\t<\/span><span class=\"aioseo-breadcrumb-separator\">&raquo;<\/span><span class=\"aioseo-breadcrumb\">\n\t\t\t<a href=\"https:\/\/www.nzp.de\/ru\/category\/\u043d\u043e\u0432\u043e\u0441\u0442\u0438-\u0430\u043d\u0433\u043b\/\" title=\"News\">News<\/a>\n\t\t<\/span><span class=\"aioseo-breadcrumb-separator\">&raquo;<\/span><span class=\"aioseo-breadcrumb\">\n\t\t\tECJ ruling on required components in consumer credit agreements\n\t\t<\/span><\/div>","aioseo_breadcrumb_json":[{"label":"Home","link":"https:\/\/www.nzp.de\/ru"},{"label":"News","link":"https:\/\/www.nzp.de\/ru\/category\/\u043d\u043e\u0432\u043e\u0441\u0442\u0438-\u0430\u043d\u0433\u043b\/"},{"label":"ECJ ruling on required components in consumer credit 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