{"id":55520,"date":"2021-09-13T12:21:44","date_gmt":"2021-09-13T10:21:44","guid":{"rendered":"https:\/\/www.nzp.de\/?p=55520"},"modified":"2026-08-07T12:34:20","modified_gmt":"2026-08-07T10:34:20","slug":"cjeu-judgment-on-essential-elements-in-consumer-credit-agreements","status":"publish","type":"post","link":"https:\/\/www.nzp.de\/ru\/\u0440\u0435\u0448\u0435\u043d\u0438\u0435-\u0441\u0443\u0434\u0430-\u0435\u0441-\u043e-\u0441\u0443\u0449\u0435\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0445-\u044d\u043b\u0435\u043c\u0435\u043d\/","title":{"rendered":"\u0420\u0435\u0448\u0435\u043d\u0438\u0435 \u0421\u0443\u0434\u0430 \u0415\u0432\u0440\u043e\u043f\u0435\u0439\u0441\u043a\u043e\u0433\u043e \u0421\u043e\u044e\u0437\u0430 \u043e\u0431 \u043e\u0441\u043d\u043e\u0432\u043d\u044b\u0445 \u044d\u043b\u0435\u043c\u0435\u043d\u0442\u0430\u0445 \u0434\u043e\u0433\u043e\u0432\u043e\u0440\u043e\u0432 \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"},"content":{"rendered":"<p>\u0412 \u0440\u0430\u043c\u043a\u0430\u0445 \u043f\u0440\u043e\u0446\u0435\u0434\u0443\u0440\u044b \u043f\u0440\u0435\u0434\u0432\u0430\u0440\u0438\u0442\u0435\u043b\u044c\u043d\u043e\u0433\u043e \u0440\u0435\u0448\u0435\u043d\u0438\u044f, \u0438\u043d\u0438\u0446\u0438\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u043e\u0439 \u0420\u0435\u0433\u0438\u043e\u043d\u0430\u043b\u044c\u043d\u044b\u043c \u0441\u0443\u0434\u043e\u043c \u0420\u0430\u0432\u0435\u043d\u0441\u0431\u0443\u0440\u0433\u0430, \u0421\u0443\u0434 \u0415\u0432\u0440\u043e\u043f\u0435\u0439\u0441\u043a\u043e\u0433\u043e \u0421\u043e\u044e\u0437\u0430 \u0432\u044b\u043d\u0435\u0441 \u0440\u0435\u0448\u0435\u043d\u0438\u0435 \u043f\u043e \u0432\u043e\u043f\u0440\u043e\u0441\u0443 \u0442\u043e\u043b\u043a\u043e\u0432\u0430\u043d\u0438\u044f \u0414\u0438\u0440\u0435\u043a\u0442\u0438\u0432\u044b 2008\/48\/\u0415\u0421 \u043e\u0442 23 \u0430\u043f\u0440\u0435\u043b\u044f 2008 \u0433\u043e\u0434\u0430 \u043e \u043f\u043e\u0442\u0440\u0435\u0431\u0438\u0442\u0435\u043b\u044c\u0441\u043a\u0438\u0445 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u0445 \u0434\u043e\u0433\u043e\u0432\u043e\u0440\u0430\u0445 \u0438 \u043e\u0431 \u043e\u0442\u043c\u0435\u043d\u0435 \u0414\u0438\u0440\u0435\u043a\u0442\u0438\u0432\u044b \u0421\u043e\u0432\u0435\u0442\u0430 87\/102\/\u0415\u042d\u0421 (\u0440\u0435\u0448\u0435\u043d\u0438\u0435 \u043e\u0442 9 \u0441\u0435\u043d\u0442\u044f\u0431\u0440\u044f 2021 \u0433., C-33\/20; C-155\/20; C-187\/20).<br \/>\n\u0420\u0430\u0441\u0441\u043c\u043e\u0442\u0440\u0435\u043d\u0438\u0435 \u0434\u0435\u043b\u0430 \u0432 \u0440\u0435\u0433\u0438\u043e\u043d\u0430\u043b\u044c\u043d\u043e\u043c \u0441\u0443\u0434\u0435 \u043a\u0430\u0441\u0430\u043b\u043e\u0441\u044c \u0434\u043e\u0433\u043e\u0432\u043e\u0440\u043e\u0432 \u0430\u0432\u0442\u043e\u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432\u0430\u043d\u0438\u044f, \u0437\u0430\u043a\u043b\u044e\u0447\u0435\u043d\u043d\u044b\u0445 \u043c\u0435\u0436\u0434\u0443 \u043f\u043e\u0442\u0440\u0435\u0431\u0438\u0442\u0435\u043b\u044f\u043c\u0438 \u0438 \u0431\u0430\u043d\u043a\u0430\u043c\u0438 VW Bank, BMW Bank \u0438 Skoda Bank. \u041d\u0435\u043a\u043e\u0442\u043e\u0440\u044b\u0435 \u0438\u0437 \u043f\u043e\u0442\u0440\u0435\u0431\u0438\u0442\u0435\u043b\u0435\u0439 \u0440\u0430\u0441\u0442\u043e\u0440\u0433\u043b\u0438 \u044d\u0442\u0438 \u0434\u043e\u0433\u043e\u0432\u043e\u0440\u044b \u0441\u043f\u0443\u0441\u0442\u044f \u043d\u0435\u0441\u043a\u043e\u043b\u044c\u043a\u043e \u043b\u0435\u0442. \u0421\u0443\u0434 \u0415\u0432\u0440\u043e\u043f\u0435\u0439\u0441\u043a\u043e\u0433\u043e \u0421\u043e\u044e\u0437\u0430 (CJEU) \u0432\u044b\u043d\u0435\u0441 \u0440\u0435\u0448\u0435\u043d\u0438\u0435, \u0432 \u043e\u0441\u043d\u043e\u0432\u043d\u043e\u043c \u0431\u043b\u0430\u0433\u043e\u043f\u0440\u0438\u044f\u0442\u043d\u043e\u0435 \u0434\u043b\u044f \u043d\u0438\u0445. \u0418\u043d\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u044f, \u0441\u043e\u0434\u0435\u0440\u0436\u0430\u0449\u0430\u044f\u0441\u044f \u0432 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u0445 \u0434\u043e\u0433\u043e\u0432\u043e\u0440\u0430\u0445, \u0432 \u0437\u043d\u0430\u0447\u0438\u0442\u0435\u043b\u044c\u043d\u043e\u0439 \u0441\u0442\u0435\u043f\u0435\u043d\u0438 \u043d\u0435 \u0441\u043e\u043e\u0442\u0432\u0435\u0442\u0441\u0442\u0432\u0443\u0435\u0442 \u043f\u0440\u0438\u043c\u0435\u043d\u0438\u043c\u043e\u043c\u0443 \u0437\u0430\u043a\u043e\u043d\u043e\u0434\u0430\u0442\u0435\u043b\u044c\u0441\u0442\u0432\u0443 \u0415\u0421, \u0438 \u043f\u043e\u044d\u0442\u043e\u043c\u0443 \u044d\u0442\u0438 \u0434\u043e\u0433\u043e\u0432\u043e\u0440\u044b \u043c\u043e\u0433\u0443\u0442 \u0431\u044b\u0442\u044c \u0440\u0430\u0441\u0442\u043e\u0440\u0433\u043d\u0443\u0442\u044b.<\/p>\n<p>\u0420\u0435\u0448\u0430\u044e\u0449\u0438\u043c \u0432\u043e\u043f\u0440\u043e\u0441\u043e\u043c \u0434\u043b\u044f \u043f\u0440\u0430\u0432\u043e\u043c\u0435\u0440\u043d\u043e\u0433\u043e \u043e\u0441\u0443\u0449\u0435\u0441\u0442\u0432\u043b\u0435\u043d\u0438\u044f \u043f\u0440\u0430\u0432\u0430 \u043d\u0430 \u043e\u0442\u043a\u0430\u0437 \u043e\u0442 \u0434\u043e\u0433\u043e\u0432\u043e\u0440\u0430 \u0431\u044b\u043b\u043e \u0442\u043e, \u043d\u0430\u0447\u0430\u043b\u0441\u044f \u043b\u0438 14-\u0434\u043d\u0435\u0432\u043d\u044b\u0439 \u0441\u0440\u043e\u043a \u043e\u0442\u043a\u0430\u0437\u0430, \u043f\u0440\u0435\u0434\u0443\u0441\u043c\u043e\u0442\u0440\u0435\u043d\u043d\u044b\u0439 \u0441\u0442\u0430\u0442\u044c\u0451\u0439 14(1) \u0414\u0438\u0440\u0435\u043a\u0442\u0438\u0432\u044b 2008\/48\/\u0415\u0421. \u0414\u043b\u044f \u044d\u0442\u043e\u0433\u043e \u043f\u043e\u0442\u0440\u0435\u0431\u0438\u0442\u0435\u043b\u044c \u0434\u043e\u043b\u0436\u0435\u043d \u0431\u044b\u043b \u043f\u043e\u043b\u0443\u0447\u0438\u0442\u044c \u0432\u0441\u0435 \u0443\u0441\u043b\u043e\u0432\u0438\u044f \u0434\u043e\u0433\u043e\u0432\u043e\u0440\u0430 \u0438 \u0438\u043d\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u044e, \u0442\u0440\u0435\u0431\u0443\u0435\u043c\u044b\u0435 \u0432 \u0441\u043e\u043e\u0442\u0432\u0435\u0442\u0441\u0442\u0432\u0438\u0438 \u0441\u043e \u0441\u0442\u0430\u0442\u044c\u0451\u0439 10 \u0414\u0438\u0440\u0435\u043a\u0442\u0438\u0432\u044b \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.<br \/>\n\u041e\u0441\u043d\u043e\u0432\u043d\u044b\u0435 \u044d\u043b\u0435\u043c\u0435\u043d\u0442\u044b<\/p>\n<p>\u041f\u043e \u043c\u043d\u0435\u043d\u0438\u044e \u0421\u0443\u0434\u0430 \u0415\u0432\u0440\u043e\u043f\u0435\u0439\u0441\u043a\u043e\u0433\u043e \u0421\u043e\u044e\u0437\u0430, \u0432 \u0441\u043e\u043e\u0442\u0432\u0435\u0442\u0441\u0442\u0432\u0438\u0438 \u0441\u043e \u0441\u0442\u0430\u0442\u044c\u0451\u0439 10(2)(a), (c) \u0438 (e) \u0414\u0438\u0440\u0435\u043a\u0442\u0438\u0432\u044b 2008\/48\/\u0415\u0421 \u044d\u0442\u0430 \u0438\u043d\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u044f \u0432\u043a\u043b\u044e\u0447\u0430\u0435\u0442 \u0447\u0451\u0442\u043a\u043e\u0435 \u0438 \u043a\u0440\u0430\u0442\u043a\u043e\u0435 \u0443\u043a\u0430\u0437\u0430\u043d\u0438\u0435 \u043d\u0430 \u0442\u043e, \u0447\u0442\u043e \u0434\u0430\u043d\u043d\u043e\u0435 \u0441\u043e\u0433\u043b\u0430\u0448\u0435\u043d\u0438\u0435 \u044f\u0432\u043b\u044f\u0435\u0442\u0441\u044f \u201c\u0441\u0432\u044f\u0437\u0430\u043d\u043d\u044b\u043c \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u043c \u0441\u043e\u0433\u043b\u0430\u0448\u0435\u043d\u0438\u0435\u043c\u201d, \u0430 \u0442\u0430\u043a\u0436\u0435 \u0438\u043d\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u044e \u043e \u0435\u0433\u043e \u0441\u0440\u043e\u043a\u0435 \u0434\u0435\u0439\u0441\u0442\u0432\u0438\u044f.<br \/>\n\u0412 \u0441\u043e\u043e\u0442\u0432\u0435\u0442\u0441\u0442\u0432\u0438\u0438 \u0441\u043e \u0441\u0442\u0430\u0442\u044c\u0451\u0439 10(2)(l) \u0414\u0438\u0440\u0435\u043a\u0442\u0438\u0432\u044b 2008\/48\/\u0415\u0421 \u0432 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u043e\u043c \u0434\u043e\u0433\u043e\u0432\u043e\u0440\u0435 \u0434\u043e\u043b\u0436\u043d\u0430 \u0431\u044b\u0442\u044c \u0443\u043a\u0430\u0437\u0430\u043d\u0430 \u0441\u0442\u0430\u0432\u043a\u0430 \u043f\u0435\u043d\u0438 \u0437\u0430 \u043f\u0440\u043e\u0441\u0440\u043e\u0447\u043a\u0443 \u043f\u043b\u0430\u0442\u0435\u0436\u0430, \u0434\u0435\u0439\u0441\u0442\u0432\u0443\u044e\u0449\u0430\u044f \u043d\u0430 \u043c\u043e\u043c\u0435\u043d\u0442 \u0437\u0430\u043a\u043b\u044e\u0447\u0435\u043d\u0438\u044f \u0434\u043e\u0433\u043e\u0432\u043e\u0440\u0430, \u0432 \u0432\u0438\u0434\u0435 \u043a\u043e\u043d\u043a\u0440\u0435\u0442\u043d\u043e\u0433\u043e \u043f\u0440\u043e\u0446\u0435\u043d\u0442\u043d\u043e\u0433\u043e \u0437\u043d\u0430\u0447\u0435\u043d\u0438\u044f, \u0430 \u0442\u0430\u043a\u0436\u0435 \u0434\u043e\u043b\u0436\u043d\u043e \u0431\u044b\u0442\u044c \u043a\u043e\u043d\u043a\u0440\u0435\u0442\u043d\u043e \u043e\u043f\u0438\u0441\u0430\u043d\u043e, \u043a\u0430\u043a \u0431\u0443\u0434\u0435\u0442 \u043a\u043e\u0440\u0440\u0435\u043a\u0442\u0438\u0440\u043e\u0432\u0430\u0442\u044c\u0441\u044f \u044d\u0442\u0430 \u0441\u0442\u0430\u0432\u043a\u0430. \u041c\u0435\u0442\u043e\u0434 \u0440\u0430\u0441\u0447\u0435\u0442\u0430 \u0434\u043e\u043b\u0436\u0435\u043d \u0431\u044b\u0442\u044c \u043b\u0435\u0433\u043a\u043e \u043f\u043e\u043d\u044f\u0442\u0435\u043d \u0434\u043b\u044f \u0441\u0440\u0435\u0434\u043d\u0435\u0433\u043e \u043f\u043e\u0442\u0440\u0435\u0431\u0438\u0442\u0435\u043b\u044f \u0438 \u0434\u043e\u043b\u0436\u0435\u043d \u043f\u043e\u0437\u0432\u043e\u043b\u044f\u0442\u044c \u043f\u043e\u0442\u0440\u0435\u0431\u0438\u0442\u0435\u043b\u044e \u0440\u0430\u0441\u0441\u0447\u0438\u0442\u0430\u0442\u044c \u0441\u0442\u0430\u0432\u043a\u0443 \u043f\u0435\u043d\u0438 \u043d\u0430 \u043e\u0441\u043d\u043e\u0432\u0430\u043d\u0438\u0438 \u0438\u043d\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u0438, \u0441\u043e\u0434\u0435\u0440\u0436\u0430\u0449\u0435\u0439\u0441\u044f \u0432 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u043e\u043c \u0434\u043e\u0433\u043e\u0432\u043e\u0440\u0435.<\/p>\n<p>\u0412 \u0441\u043e\u043e\u0442\u0432\u0435\u0442\u0441\u0442\u0432\u0438\u0438 \u0441\u043e \u0441\u0442\u0430\u0442\u044c\u0451\u0439 10(2)(r) \u0414\u0438\u0440\u0435\u043a\u0442\u0438\u0432\u044b 2008\/48\/\u0415\u0421 \u0441\u0440\u0435\u0434\u043d\u0438\u0439 \u043f\u043e\u0442\u0440\u0435\u0431\u0438\u0442\u0435\u043b\u044c \u0434\u043e\u043b\u0436\u0435\u043d \u0438\u043c\u0435\u0442\u044c \u0432\u043e\u0437\u043c\u043e\u0436\u043d\u043e\u0441\u0442\u044c \u043e\u043f\u0440\u0435\u0434\u0435\u043b\u0438\u0442\u044c \u0440\u0430\u0437\u043c\u0435\u0440 \u043a\u043e\u043c\u043f\u0435\u043d\u0441\u0430\u0446\u0438\u0438 \u0437\u0430 \u0434\u043e\u0441\u0440\u043e\u0447\u043d\u043e\u0435 \u043f\u043e\u0433\u0430\u0448\u0435\u043d\u0438\u0435 \u0441 \u043f\u043e\u043c\u043e\u0449\u044c\u044e \u043c\u0435\u0442\u043e\u0434\u0430 \u0440\u0430\u0441\u0447\u0451\u0442\u0430, \u0438\u0437\u043b\u043e\u0436\u0435\u043d\u043d\u043e\u0433\u043e \u043a\u043e\u043d\u043a\u0440\u0435\u0442\u043d\u043e \u0438 \u043f\u043e\u043d\u044f\u0442\u043d\u043e.<br \/>\n\u0412 \u0441\u043e\u043e\u0442\u0432\u0435\u0442\u0441\u0442\u0432\u0438\u0438 \u0441\u043e \u0441\u0442\u0430\u0442\u044c\u0451\u0439 10(2)(t) \u0414\u0438\u0440\u0435\u043a\u0442\u0438\u0432\u044b 2008\/48\/\u0415\u0421 \u0432 \u0434\u043e\u0433\u043e\u0432\u043e\u0440\u0435 \u0442\u0430\u043a\u0436\u0435 \u0434\u043e\u043b\u0436\u043d\u0430 \u0431\u044b\u0442\u044c \u0443\u043a\u0430\u0437\u0430\u043d\u0430 \u0432\u0441\u044f \u043d\u0435\u043e\u0431\u0445\u043e\u0434\u0438\u043c\u0430\u044f \u0438\u043d\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u044f \u043e \u0432\u043d\u0435\u0441\u0443\u0434\u0435\u0431\u043d\u044b\u0445 \u043f\u0440\u043e\u0446\u0435\u0434\u0443\u0440\u0430\u0445 \u043f\u043e\u0434\u0430\u0447\u0438 \u0436\u0430\u043b\u043e\u0431 \u0438 \u0437\u0430\u0449\u0438\u0442\u044b \u043f\u0440\u0430\u0432, \u0430 \u0442\u0430\u043a\u0436\u0435, \u0432 \u0441\u043e\u043e\u0442\u0432\u0435\u0442\u0441\u0442\u0432\u0443\u044e\u0449\u0438\u0445 \u0441\u043b\u0443\u0447\u0430\u044f\u0445, \u043e \u0441\u0432\u044f\u0437\u0430\u043d\u043d\u044b\u0445 \u0441 \u043d\u0438\u043c\u0438 \u0440\u0430\u0441\u0445\u043e\u0434\u0430\u0445.<br \/>\n\u041d\u0435\u0441\u0443\u0449\u0435\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0435 \u044d\u043b\u0435\u043c\u0435\u043d\u0442\u044b<\/p>\n<p>\u0412 \u043e\u0442\u043b\u0438\u0447\u0438\u0435 \u043e\u0442 \u044d\u0442\u043e\u0433\u043e, \u0441\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, \u0432 \u0441\u043b\u0443\u0447\u0430\u0435 \u0441\u0432\u044f\u0437\u0430\u043d\u043d\u043e\u0433\u043e \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u043e\u0433\u043e \u0434\u043e\u0433\u043e\u0432\u043e\u0440\u0430 \u0432 \u0437\u043d\u0430\u0447\u0435\u043d\u0438\u0438 \u0441\u0442\u0430\u0442\u044c\u0438 3(n), \u043f\u0440\u0435\u0434\u043e\u0441\u0442\u0430\u0432\u043b\u044f\u0442\u044c \u0438\u043d\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u044e \u043e\u0431 \u043e\u0441\u043e\u0431\u0435\u043d\u043d\u043e\u0441\u0442\u044f\u0445 \u0442\u0430\u043a\u043e\u0433\u043e \u0434\u043e\u0433\u043e\u0432\u043e\u0440\u0430, \u043d\u0430\u043f\u0440\u0438\u043c\u0435\u0440 \u043e \u0442\u043e\u043c, \u0447\u0442\u043e \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, \u043f\u043e\u0442\u0440\u0435\u0431\u0438\u0442\u0435\u043b\u044c \u043e\u0441\u0432\u043e\u0431\u043e\u0436\u0434\u0430\u0435\u0442\u0441\u044f \u043e\u0442 \u0441\u0432\u043e\u0435\u0433\u043e \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 \u0442\u0430\u043a\u0436\u0435 \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 \u0432 \u0440\u0430\u043c\u043a\u0430\u0445 \u0437\u0430\u043a\u043e\u043d\u043e\u0434\u0430\u0442\u0435\u043b\u044c\u0441\u0442\u0432\u0430 \u0415\u0421.<br \/>\n\u041f\u043e\u0441\u043b\u0435\u0434\u0441\u0442\u0432\u0438\u044f<\/p>\n<p>\u0420\u0435\u0448\u0435\u043d\u0438\u0435 \u0421\u0443\u0434\u0430 \u0415\u0432\u0440\u043e\u043f\u0435\u0439\u0441\u043a\u043e\u0433\u043e \u0421\u043e\u044e\u0437\u0430 \u043e\u0437\u043d\u0430\u0447\u0430\u0435\u0442, \u0447\u0442\u043e \u0437\u043d\u0430\u0447\u0438\u0442\u0435\u043b\u044c\u043d\u043e\u0435 \u0447\u0438\u0441\u043b\u043e \u0434\u043e\u0433\u043e\u0432\u043e\u0440\u043e\u0432 \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 \u043c\u043e\u0436\u0435\u0442 \u0431\u044b\u0442\u044c \u0430\u043d\u043d\u0443\u043b\u0438\u0440\u043e\u0432\u0430\u043d\u043e. 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 \u0442\u043e\u043b\u044c\u043a\u043e \u043f\u043e\u0441\u043b\u0435 \u043f\u043e\u043b\u0443\u0447\u0435\u043d\u0438\u044f \u0438\u043d\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u0438, \u0442\u0440\u0435\u0431\u0443\u0435\u043c\u043e\u0439 \u0432 \u0441\u043e\u043e\u0442\u0432\u0435\u0442\u0441\u0442\u0432\u0438\u0438 \u0441\u043e \u0441\u0442\u0430\u0442\u044c\u0451\u0439 10(2) \u0414\u0438\u0440\u0435\u043a\u0442\u0438\u0432\u044b 2008\/48\/\u0415\u0421. \u0415\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 \u0441\u0443\u0449\u0435\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0435 \u044d\u043b\u0435\u043c\u0435\u043d\u0442\u044b, \u0432 \u0442\u043e\u043c \u0447\u0438\u0441\u043b\u0435, \u0432 \u0447\u0430\u0441\u0442\u043d\u043e\u0441\u0442\u0438, \u0432\u044b\u0448\u0435\u0443\u043a\u0430\u0437\u0430\u043d\u043d\u0430\u044f \u0438\u043d\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u044f, \u0421\u0443\u0434 \u0415\u0421 \u043f\u043e\u0441\u0442\u0430\u043d\u043e\u0432\u0438\u043b, \u0447\u0442\u043e \u043d\u0438 \u0443\u0442\u0440\u0430\u0442\u0430 \u043f\u0440\u0430\u0432\u0430 \u043d\u0430 \u043e\u0442\u043a\u0430\u0437, \u043d\u0438 \u0437\u043b\u043e\u0443\u043f\u043e\u0442\u0440\u0435\u0431\u043b\u0435\u043d\u0438\u0435 \u043f\u0440\u0430\u0432\u0430\u043c\u0438 \u043d\u0435 \u043c\u043e\u0433\u0443\u0442 \u0431\u044b\u0442\u044c \u043f\u0440\u0438\u0432\u0435\u0434\u0435\u043d\u044b \u0432 \u043a\u0430\u0447\u0435\u0441\u0442\u0432\u0435 \u043e\u0441\u043d\u043e\u0432\u0430\u043d\u0438\u044f.<br \/>\n\u0421\u043e\u043e\u0442\u0432\u0435\u0442\u0441\u0442\u0432\u0435\u043d\u043d\u043e, \u0432 \u043d\u0435\u043a\u043e\u0442\u043e\u0440\u044b\u0445 \u0441\u043b\u0443\u0447\u0430\u044f\u0445 \u0441\u043e\u0433\u043b\u0430\u0448\u0435\u043d\u0438\u044f \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.<br \/>\n\u041c\u043d\u043e\u0433\u0438\u0435 \u0434\u043e\u0433\u043e\u0432\u043e\u0440\u043d\u044b\u0435 \u0443\u0441\u043b\u043e\u0432\u0438\u044f, \u043f\u0440\u0438\u043c\u0435\u043d\u044f\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, \u0438\u0437\u043b\u043e\u0436\u0435\u043d\u043d\u044b\u043c \u0432 \u0440\u0435\u0448\u0435\u043d\u0438\u0438 \u0421\u0443\u0434\u0430 \u0415\u0432\u0440\u043e\u043f\u0435\u0439\u0441\u043a\u043e\u0433\u043e \u0421\u043e\u044e\u0437\u0430. \u041f\u043e\u0441\u043a\u043e\u043b\u044c\u043a\u0443 \u0414\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 \u0438\u043f\u043e\u0442\u0435\u043a\u043e\u0439, \u043f\u043e\u043c\u0438\u043c\u043e \u0430\u0432\u0442\u043e\u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432 \u043f\u043e\u0434 \u0435\u0435 \u0434\u0435\u0439\u0441\u0442\u0432\u0438\u0435 \u043f\u043e\u0434\u043f\u0430\u0434\u0430\u044e\u0442 \u0438 \u043c\u043d\u043e\u0433\u0438\u0435 \u0434\u0440\u0443\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>","protected":false},"excerpt":{"rendered":"<p>In preliminary ruling proceedings referred by the Regional Court of Ravensburg, the Court of Justice of the European Union 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 (judgment of 9 September 2021, C-33\/20; C-155\/20; C-187\/20). The proceedings before the Regional Court concerned [&hellip;]<\/p>\n","protected":false},"author":29,"featured_media":55523,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[15],"tags":[],"class_list":["post-55520","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"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 preliminary ruling proceedings referred by the Regional Court of Ravensburg, the Court of Justice of the European Union 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 (judgment of 9 September 2021, C-33\/20; C-155\/20; C-187\/20). The proceedings before the Regional Court concerned\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<meta name=\"author\" content=\"Vajk Varai-Jeges\"\/>\n\t<meta name=\"google-site-verification\" content=\"0ZCEmvP3Jss6hqLOqbcJenXmykbTzE02xFLyiDZx5i8\" \/>\n\t<link rel=\"canonical\" href=\"https:\/\/www.nzp.de\/ru\/\u0440\u0435\u0448\u0435\u043d\u0438\u0435-\u0441\u0443\u0434\u0430-\u0435\u0441-\u043e-\u0441\u0443\u0449\u0435\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0445-\u044d\u043b\u0435\u043c\u0435\u043d\/\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO (AIOSEO) 5.0.0.1\" \/>\n\t\t<script type=\"application\/ld+json\" class=\"aioseo-schema\">\n\t\t\t{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.nzp.de\\\/ru\\\/\\u0440\\u0435\\u0448\\u0435\\u043d\\u0438\\u0435-\\u0441\\u0443\\u0434\\u0430-\\u0435\\u0441-\\u043e-\\u0441\\u0443\\u0449\\u0435\\u0441\\u0442\\u0432\\u0435\\u043d\\u043d\\u044b\\u0445-\\u044d\\u043b\\u0435\\u043c\\u0435\\u043d\\\/#article\",\"name\":\"CJEU Judgment on Essential Elements in Consumer Credit Agreements | NZP NAGY LEGAL\",\"headline\":\"CJEU Judgment on Essential Elements in Consumer Credit Agreements\",\"author\":{\"@id\":\"https:\\\/\\\/www.nzp.de\\\/ru\\\/author\\\/vajk-varai-jegesnzp-de\\\/#author\"},\"publisher\":{\"@id\":\"https:\\\/\\\/www.nzp.de\\\/ru\\\/#organization\"},\"image\":{\"@type\":\"ImageObject\",\"url\":\"https:\\\/\\\/www.nzp.de\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/Designer_54.png\",\"width\":1536,\"height\":1024},\"datePublished\":\"2021-09-13T12:21:44+02:00\",\"dateModified\":\"2026-08-07T12:34:20+02:00\",\"inLanguage\":\"ru-RU\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.nzp.de\\\/ru\\\/\\u0440\\u0435\\u0448\\u0435\\u043d\\u0438\\u0435-\\u0441\\u0443\\u0434\\u0430-\\u0435\\u0441-\\u043e-\\u0441\\u0443\\u0449\\u0435\\u0441\\u0442\\u0432\\u0435\\u043d\\u043d\\u044b\\u0445-\\u044d\\u043b\\u0435\\u043c\\u0435\\u043d\\\/#webpage\"},\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.nzp.de\\\/ru\\\/\\u0440\\u0435\\u0448\\u0435\\u043d\\u0438\\u0435-\\u0441\\u0443\\u0434\\u0430-\\u0435\\u0441-\\u043e-\\u0441\\u0443\\u0449\\u0435\\u0441\\u0442\\u0432\\u0435\\u043d\\u043d\\u044b\\u0445-\\u044d\\u043b\\u0435\\u043c\\u0435\\u043d\\\/#webpage\"},\"articleSection\":\"News\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.nzp.de\\\/ru\\\/\\u0440\\u0435\\u0448\\u0435\\u043d\\u0438\\u0435-\\u0441\\u0443\\u0434\\u0430-\\u0435\\u0441-\\u043e-\\u0441\\u0443\\u0449\\u0435\\u0441\\u0442\\u0432\\u0435\\u043d\\u043d\\u044b\\u0445-\\u044d\\u043b\\u0435\\u043c\\u0435\\u043d\\\/#breadcrumblist\",\"itemListElement\":[{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.nzp.de\\\/ru#listItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.nzp.de\\\/ru\",\"nextItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.nzp.de\\\/ru\\\/category\\\/\\u043d\\u043e\\u0432\\u043e\\u0441\\u0442\\u0438\\\/#listItem\",\"name\":\"News\"}},{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.nzp.de\\\/ru\\\/category\\\/\\u043d\\u043e\\u0432\\u043e\\u0441\\u0442\\u0438\\\/#listItem\",\"position\":2,\"name\":\"News\",\"item\":\"https:\\\/\\\/www.nzp.de\\\/ru\\\/category\\\/\\u043d\\u043e\\u0432\\u043e\\u0441\\u0442\\u0438\\\/\",\"nextItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.nzp.de\\\/ru\\\/\\u0440\\u0435\\u0448\\u0435\\u043d\\u0438\\u0435-\\u0441\\u0443\\u0434\\u0430-\\u0435\\u0441-\\u043e-\\u0441\\u0443\\u0449\\u0435\\u0441\\u0442\\u0432\\u0435\\u043d\\u043d\\u044b\\u0445-\\u044d\\u043b\\u0435\\u043c\\u0435\\u043d\\\/#listItem\",\"name\":\"CJEU Judgment on Essential Elements in Consumer Credit Agreements\"},\"previousItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.nzp.de\\\/ru#listItem\",\"name\":\"Home\"}},{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.nzp.de\\\/ru\\\/\\u0440\\u0435\\u0448\\u0435\\u043d\\u0438\\u0435-\\u0441\\u0443\\u0434\\u0430-\\u0435\\u0441-\\u043e-\\u0441\\u0443\\u0449\\u0435\\u0441\\u0442\\u0432\\u0435\\u043d\\u043d\\u044b\\u0445-\\u044d\\u043b\\u0435\\u043c\\u0435\\u043d\\\/#listItem\",\"position\":3,\"name\":\"CJEU Judgment on Essential Elements in Consumer Credit Agreements\",\"previousItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.nzp.de\\\/ru\\\/category\\\/\\u043d\\u043e\\u0432\\u043e\\u0441\\u0442\\u0438\\\/#listItem\",\"name\":\"News\"}}]},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.nzp.de\\\/ru\\\/#organization\",\"name\":\"NZP NAGY LEGAL\",\"description\":\"Deutsches und Internationales Wirtschaftsrecht\",\"url\":\"https:\\\/\\\/www.nzp.de\\\/ru\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"url\":\"https:\\\/\\\/www.nzp.de\\\/wp-content\\\/uploads\\\/2023\\\/09\\\/cropped-nzp_logo_w.png\",\"@id\":\"https:\\\/\\\/www.nzp.de\\\/ru\\\/\\u0440\\u0435\\u0448\\u0435\\u043d\\u0438\\u0435-\\u0441\\u0443\\u0434\\u0430-\\u0435\\u0441-\\u043e-\\u0441\\u0443\\u0449\\u0435\\u0441\\u0442\\u0432\\u0435\\u043d\\u043d\\u044b\\u0445-\\u044d\\u043b\\u0435\\u043c\\u0435\\u043d\\\/#organizationLogo\",\"width\":270,\"height\":87},\"image\":{\"@id\":\"https:\\\/\\\/www.nzp.de\\\/ru\\\/\\u0440\\u0435\\u0448\\u0435\\u043d\\u0438\\u0435-\\u0441\\u0443\\u0434\\u0430-\\u0435\\u0441-\\u043e-\\u0441\\u0443\\u0449\\u0435\\u0441\\u0442\\u0432\\u0435\\u043d\\u043d\\u044b\\u0445-\\u044d\\u043b\\u0435\\u043c\\u0435\\u043d\\\/#organizationLogo\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.nzp.de\\\/ru\\\/author\\\/vajk-varai-jegesnzp-de\\\/#author\",\"url\":\"https:\\\/\\\/www.nzp.de\\\/ru\\\/author\\\/vajk-varai-jegesnzp-de\\\/\",\"name\":\"Vajk Varai-Jeges\",\"image\":{\"@type\":\"ImageObject\",\"@id\":\"https:\\\/\\\/www.nzp.de\\\/ru\\\/\\u0440\\u0435\\u0448\\u0435\\u043d\\u0438\\u0435-\\u0441\\u0443\\u0434\\u0430-\\u0435\\u0441-\\u043e-\\u0441\\u0443\\u0449\\u0435\\u0441\\u0442\\u0432\\u0435\\u043d\\u043d\\u044b\\u0445-\\u044d\\u043b\\u0435\\u043c\\u0435\\u043d\\\/#authorImage\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/8e57566dff855031fe61ccc842435b6ba2a68e93d8ec6bff9d1d2e99e0981012?s=96&d=mm&r=g\",\"width\":96,\"height\":96,\"caption\":\"Vajk Varai-Jeges\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.nzp.de\\\/ru\\\/\\u0440\\u0435\\u0448\\u0435\\u043d\\u0438\\u0435-\\u0441\\u0443\\u0434\\u0430-\\u0435\\u0441-\\u043e-\\u0441\\u0443\\u0449\\u0435\\u0441\\u0442\\u0432\\u0435\\u043d\\u043d\\u044b\\u0445-\\u044d\\u043b\\u0435\\u043c\\u0435\\u043d\\\/#webpage\",\"url\":\"https:\\\/\\\/www.nzp.de\\\/ru\\\/\\u0440\\u0435\\u0448\\u0435\\u043d\\u0438\\u0435-\\u0441\\u0443\\u0434\\u0430-\\u0435\\u0441-\\u043e-\\u0441\\u0443\\u0449\\u0435\\u0441\\u0442\\u0432\\u0435\\u043d\\u043d\\u044b\\u0445-\\u044d\\u043b\\u0435\\u043c\\u0435\\u043d\\\/\",\"name\":\"CJEU Judgment on Essential Elements in Consumer Credit Agreements | NZP NAGY LEGAL\",\"description\":\"In preliminary ruling proceedings referred by the Regional Court of Ravensburg, the Court of Justice of the European Union 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 (judgment of 9 September 2021, C-33\\\/20; C-155\\\/20; C-187\\\/20). The proceedings before the Regional Court concerned\",\"inLanguage\":\"ru-RU\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.nzp.de\\\/ru\\\/#website\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.nzp.de\\\/ru\\\/\\u0440\\u0435\\u0448\\u0435\\u043d\\u0438\\u0435-\\u0441\\u0443\\u0434\\u0430-\\u0435\\u0441-\\u043e-\\u0441\\u0443\\u0449\\u0435\\u0441\\u0442\\u0432\\u0435\\u043d\\u043d\\u044b\\u0445-\\u044d\\u043b\\u0435\\u043c\\u0435\\u043d\\\/#breadcrumblist\"},\"author\":{\"@id\":\"https:\\\/\\\/www.nzp.de\\\/ru\\\/author\\\/vajk-varai-jegesnzp-de\\\/#author\"},\"creator\":{\"@id\":\"https:\\\/\\\/www.nzp.de\\\/ru\\\/author\\\/vajk-varai-jegesnzp-de\\\/#author\"},\"image\":{\"@type\":\"ImageObject\",\"url\":\"https:\\\/\\\/www.nzp.de\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/Designer_54.png\",\"@id\":\"https:\\\/\\\/www.nzp.de\\\/ru\\\/\\u0440\\u0435\\u0448\\u0435\\u043d\\u0438\\u0435-\\u0441\\u0443\\u0434\\u0430-\\u0435\\u0441-\\u043e-\\u0441\\u0443\\u0449\\u0435\\u0441\\u0442\\u0432\\u0435\\u043d\\u043d\\u044b\\u0445-\\u044d\\u043b\\u0435\\u043c\\u0435\\u043d\\\/#mainImage\",\"width\":1536,\"height\":1024},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.nzp.de\\\/ru\\\/\\u0440\\u0435\\u0448\\u0435\\u043d\\u0438\\u0435-\\u0441\\u0443\\u0434\\u0430-\\u0435\\u0441-\\u043e-\\u0441\\u0443\\u0449\\u0435\\u0441\\u0442\\u0432\\u0435\\u043d\\u043d\\u044b\\u0445-\\u044d\\u043b\\u0435\\u043c\\u0435\\u043d\\\/#mainImage\"},\"datePublished\":\"2021-09-13T12:21:44+02:00\",\"dateModified\":\"2026-08-07T12:34:20+02:00\"},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.nzp.de\\\/ru\\\/#website\",\"url\":\"https:\\\/\\\/www.nzp.de\\\/ru\\\/\",\"name\":\"NZP NAGY LEGAL\",\"description\":\"Deutsches und Internationales Wirtschaftsrecht\",\"inLanguage\":\"ru-RU\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.nzp.de\\\/ru\\\/#organization\"}}]}\n\t\t<\/script>\n\t\t<!-- All in One SEO -->\n\n","aioseo_head_json":{"title":"\u0420\u0435\u0448\u0435\u043d\u0438\u0435 \u0421\u0443\u0434\u0430 \u0415\u0432\u0440\u043e\u043f\u0435\u0439\u0441\u043a\u043e\u0433\u043e \u0421\u043e\u044e\u0437\u0430 (CJEU) \u043e \u0441\u0443\u0449\u0435\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0445 \u044d\u043b\u0435\u043c\u0435\u043d\u0442\u0430\u0445 \u0434\u043e\u0433\u043e\u0432\u043e\u0440\u043e\u0432 \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 | NZP NAGY LEGAL","description":"\u0412 \u0440\u0430\u043c\u043a\u0430\u0445 \u043f\u0440\u043e\u0446\u0435\u0434\u0443\u0440\u044b \u043f\u0440\u0435\u0434\u0432\u0430\u0440\u0438\u0442\u0435\u043b\u044c\u043d\u043e\u0433\u043e \u0440\u0435\u0448\u0435\u043d\u0438\u044f, \u0438\u043d\u0438\u0446\u0438\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u043e\u0439 \u0420\u0435\u0433\u0438\u043e\u043d\u0430\u043b\u044c\u043d\u044b\u043c \u0441\u0443\u0434\u043e\u043c \u0420\u0430\u0432\u0435\u043d\u0441\u0431\u0443\u0440\u0433\u0430, \u0421\u0443\u0434 \u0415\u0432\u0440\u043e\u043f\u0435\u0439\u0441\u043a\u043e\u0433\u043e \u0421\u043e\u044e\u0437\u0430 \u0432\u044b\u043d\u0435\u0441 \u0440\u0435\u0448\u0435\u043d\u0438\u0435 \u043f\u043e \u0432\u043e\u043f\u0440\u043e\u0441\u0443 \u0442\u043e\u043b\u043a\u043e\u0432\u0430\u043d\u0438\u044f \u0414\u0438\u0440\u0435\u043a\u0442\u0438\u0432\u044b 2008\/48\/\u0415\u0421 \u043e\u0442 23 \u0430\u043f\u0440\u0435\u043b\u044f 2008 \u0433\u043e\u0434\u0430 \u043e \u043f\u043e\u0442\u0440\u0435\u0431\u0438\u0442\u0435\u043b\u044c\u0441\u043a\u0438\u0445 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u0445 \u0434\u043e\u0433\u043e\u0432\u043e\u0440\u0430\u0445 \u0438 \u043e\u0431 \u043e\u0442\u043c\u0435\u043d\u0435 \u0414\u0438\u0440\u0435\u043a\u0442\u0438\u0432\u044b \u0421\u043e\u0432\u0435\u0442\u0430 87\/102\/\u0415\u042d\u0421 (\u0440\u0435\u0448\u0435\u043d\u0438\u0435 \u043e\u0442 9 \u0441\u0435\u043d\u0442\u044f\u0431\u0440\u044f 2021 \u0433., C-33\/20; C-155\/20; C-187\/20). \u0420\u0430\u0441\u0441\u043c\u043e\u0442\u0440\u0435\u043d\u0438\u0435 \u0434\u0435\u043b\u0430 \u0432 \u0440\u0435\u0433\u0438\u043e\u043d\u0430\u043b\u044c\u043d\u043e\u043c \u0441\u0443\u0434\u0435 \u043a\u0430\u0441\u0430\u043b\u043e\u0441\u044c","canonical_url":"https:\/\/www.nzp.de\/ru\/\u0440\u0435\u0448\u0435\u043d\u0438\u0435-\u0441\u0443\u0434\u0430-\u0435\u0441-\u043e-\u0441\u0443\u0449\u0435\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0445-\u044d\u043b\u0435\u043c\u0435\u043d\/","robots":"max-image-preview:large","keywords":"","webmasterTools":{"google-site-verification":"0ZCEmvP3Jss6hqLOqbcJenXmykbTzE02xFLyiDZx5i8","miscellaneous":""},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.nzp.de\/ru\/\u0440\u0435\u0448\u0435\u043d\u0438\u0435-\u0441\u0443\u0434\u0430-\u0435\u0441-\u043e-\u0441\u0443\u0449\u0435\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0445-\u044d\u043b\u0435\u043c\u0435\u043d\/#article","name":"CJEU Judgment on Essential Elements in Consumer Credit Agreements | NZP NAGY LEGAL","headline":"CJEU Judgment on Essential Elements in Consumer Credit Agreements","author":{"@id":"https:\/\/www.nzp.de\/ru\/author\/vajk-varai-jegesnzp-de\/#author"},"publisher":{"@id":"https:\/\/www.nzp.de\/ru\/#organization"},"image":{"@type":"ImageObject","url":"https:\/\/www.nzp.de\/wp-content\/uploads\/2026\/08\/Designer_54.png","width":1536,"height":1024},"datePublished":"2021-09-13T12:21:44+02:00","dateModified":"2026-08-07T12:34:20+02:00","inLanguage":"ru-RU","mainEntityOfPage":{"@id":"https:\/\/www.nzp.de\/ru\/\u0440\u0435\u0448\u0435\u043d\u0438\u0435-\u0441\u0443\u0434\u0430-\u0435\u0441-\u043e-\u0441\u0443\u0449\u0435\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0445-\u044d\u043b\u0435\u043c\u0435\u043d\/#webpage"},"isPartOf":{"@id":"https:\/\/www.nzp.de\/ru\/\u0440\u0435\u0448\u0435\u043d\u0438\u0435-\u0441\u0443\u0434\u0430-\u0435\u0441-\u043e-\u0441\u0443\u0449\u0435\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0445-\u044d\u043b\u0435\u043c\u0435\u043d\/#webpage"},"articleSection":"News"},{"@type":"BreadcrumbList","@id":"https:\/\/www.nzp.de\/ru\/\u0440\u0435\u0448\u0435\u043d\u0438\u0435-\u0441\u0443\u0434\u0430-\u0435\u0441-\u043e-\u0441\u0443\u0449\u0435\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0445-\u044d\u043b\u0435\u043c\u0435\u043d\/#breadcrumblist","itemListElement":[{"@type":"ListItem","@id":"https:\/\/www.nzp.de\/ru#listItem","position":1,"name":"Home","item":"https:\/\/www.nzp.de\/ru","nextItem":{"@type":"ListItem","@id":"https:\/\/www.nzp.de\/ru\/category\/\u043d\u043e\u0432\u043e\u0441\u0442\u0438\/#listItem","name":"News"}},{"@type":"ListItem","@id":"https:\/\/www.nzp.de\/ru\/category\/\u043d\u043e\u0432\u043e\u0441\u0442\u0438\/#listItem","position":2,"name":"News","item":"https:\/\/www.nzp.de\/ru\/category\/\u043d\u043e\u0432\u043e\u0441\u0442\u0438\/","nextItem":{"@type":"ListItem","@id":"https:\/\/www.nzp.de\/ru\/\u0440\u0435\u0448\u0435\u043d\u0438\u0435-\u0441\u0443\u0434\u0430-\u0435\u0441-\u043e-\u0441\u0443\u0449\u0435\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0445-\u044d\u043b\u0435\u043c\u0435\u043d\/#listItem","name":"CJEU Judgment on Essential Elements in Consumer Credit Agreements"},"previousItem":{"@type":"ListItem","@id":"https:\/\/www.nzp.de\/ru#listItem","name":"Home"}},{"@type":"ListItem","@id":"https:\/\/www.nzp.de\/ru\/\u0440\u0435\u0448\u0435\u043d\u0438\u0435-\u0441\u0443\u0434\u0430-\u0435\u0441-\u043e-\u0441\u0443\u0449\u0435\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0445-\u044d\u043b\u0435\u043c\u0435\u043d\/#listItem","position":3,"name":"CJEU Judgment on Essential Elements in Consumer Credit Agreements","previousItem":{"@type":"ListItem","@id":"https:\/\/www.nzp.de\/ru\/category\/\u043d\u043e\u0432\u043e\u0441\u0442\u0438\/#listItem","name":"News"}}]},{"@type":"Organization","@id":"https:\/\/www.nzp.de\/ru\/#organization","name":"NZP NAGY LEGAL","description":"Deutsches und Internationales Wirtschaftsrecht","url":"https:\/\/www.nzp.de\/ru\/","logo":{"@type":"ImageObject","url":"https:\/\/www.nzp.de\/wp-content\/uploads\/2023\/09\/cropped-nzp_logo_w.png","@id":"https:\/\/www.nzp.de\/ru\/\u0440\u0435\u0448\u0435\u043d\u0438\u0435-\u0441\u0443\u0434\u0430-\u0435\u0441-\u043e-\u0441\u0443\u0449\u0435\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0445-\u044d\u043b\u0435\u043c\u0435\u043d\/#organizationLogo","width":270,"height":87},"image":{"@id":"https:\/\/www.nzp.de\/ru\/\u0440\u0435\u0448\u0435\u043d\u0438\u0435-\u0441\u0443\u0434\u0430-\u0435\u0441-\u043e-\u0441\u0443\u0449\u0435\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0445-\u044d\u043b\u0435\u043c\u0435\u043d\/#organizationLogo"}},{"@type":"Person","@id":"https:\/\/www.nzp.de\/ru\/author\/vajk-varai-jegesnzp-de\/#author","url":"https:\/\/www.nzp.de\/ru\/author\/vajk-varai-jegesnzp-de\/","name":"Vajk Varai-Jeges","image":{"@type":"ImageObject","@id":"https:\/\/www.nzp.de\/ru\/\u0440\u0435\u0448\u0435\u043d\u0438\u0435-\u0441\u0443\u0434\u0430-\u0435\u0441-\u043e-\u0441\u0443\u0449\u0435\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0445-\u044d\u043b\u0435\u043c\u0435\u043d\/#authorImage","url":"https:\/\/secure.gravatar.com\/avatar\/8e57566dff855031fe61ccc842435b6ba2a68e93d8ec6bff9d1d2e99e0981012?s=96&d=mm&r=g","width":96,"height":96,"caption":"Vajk Varai-Jeges"}},{"@type":"WebPage","@id":"https:\/\/www.nzp.de\/ru\/\u0440\u0435\u0448\u0435\u043d\u0438\u0435-\u0441\u0443\u0434\u0430-\u0435\u0441-\u043e-\u0441\u0443\u0449\u0435\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0445-\u044d\u043b\u0435\u043c\u0435\u043d\/#webpage","url":"https:\/\/www.nzp.de\/ru\/\u0440\u0435\u0448\u0435\u043d\u0438\u0435-\u0441\u0443\u0434\u0430-\u0435\u0441-\u043e-\u0441\u0443\u0449\u0435\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0445-\u044d\u043b\u0435\u043c\u0435\u043d\/","name":"CJEU Judgment on Essential Elements in Consumer Credit Agreements | NZP NAGY LEGAL","description":"In preliminary ruling proceedings referred by the Regional Court of Ravensburg, the Court of Justice of the European Union 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 (judgment of 9 September 2021, C-33\/20; C-155\/20; C-187\/20). The proceedings before the Regional Court concerned","inLanguage":"ru-RU","isPartOf":{"@id":"https:\/\/www.nzp.de\/ru\/#website"},"breadcrumb":{"@id":"https:\/\/www.nzp.de\/ru\/\u0440\u0435\u0448\u0435\u043d\u0438\u0435-\u0441\u0443\u0434\u0430-\u0435\u0441-\u043e-\u0441\u0443\u0449\u0435\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0445-\u044d\u043b\u0435\u043c\u0435\u043d\/#breadcrumblist"},"author":{"@id":"https:\/\/www.nzp.de\/ru\/author\/vajk-varai-jegesnzp-de\/#author"},"creator":{"@id":"https:\/\/www.nzp.de\/ru\/author\/vajk-varai-jegesnzp-de\/#author"},"image":{"@type":"ImageObject","url":"https:\/\/www.nzp.de\/wp-content\/uploads\/2026\/08\/Designer_54.png","@id":"https:\/\/www.nzp.de\/ru\/\u0440\u0435\u0448\u0435\u043d\u0438\u0435-\u0441\u0443\u0434\u0430-\u0435\u0441-\u043e-\u0441\u0443\u0449\u0435\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0445-\u044d\u043b\u0435\u043c\u0435\u043d\/#mainImage","width":1536,"height":1024},"primaryImageOfPage":{"@id":"https:\/\/www.nzp.de\/ru\/\u0440\u0435\u0448\u0435\u043d\u0438\u0435-\u0441\u0443\u0434\u0430-\u0435\u0441-\u043e-\u0441\u0443\u0449\u0435\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0445-\u044d\u043b\u0435\u043c\u0435\u043d\/#mainImage"},"datePublished":"2021-09-13T12:21:44+02:00","dateModified":"2026-08-07T12:34:20+02:00"},{"@type":"WebSite","@id":"https:\/\/www.nzp.de\/ru\/#website","url":"https:\/\/www.nzp.de\/ru\/","name":"NZP NAGY LEGAL","description":"Deutsches und Internationales Wirtschaftsrecht","inLanguage":"ru-RU","publisher":{"@id":"https:\/\/www.nzp.de\/ru\/#organization"}}]}},"aioseo_meta_data":{"post_id":"55520","title":null,"description":null,"keywords":null,"keyphrases":{"focus":{"keyphrase":"","score":0,"analysis":{"keyphraseInTitle":{"score":0,"maxScore":9,"error":1}}},"additional":[]},"primary_term":null,"canonical_url":null,"og_title":null,"og_description":null,"og_object_type":"default","og_image_type":"default","og_image_url":null,"og_image_width":null,"og_image_height":null,"og_image_custom_url":null,"og_image_custom_fields":null,"og_video":"","og_custom_url":null,"og_article_section":null,"og_article_tags":null,"twitter_use_og":false,"twitter_card":"default","twitter_image_type":"default","twitter_image_url":null,"twitter_image_custom_url":null,"twitter_image_custom_fields":null,"twitter_title":null,"twitter_description":null,"schema":{"blockGraphs":[],"customGraphs":[],"default":{"data":{"Article":[],"Course":[],"Dataset":[],"FAQPage":[],"Movie":[],"Person":[],"Product":[],"ProductReview":[],"Car":[],"Recipe":[],"Service":[],"SoftwareApplication":[],"WebPage":[]},"graphName":"Article","isEnabled":true},"graphs":[]},"schema_type":"default","schema_type_options":null,"pillar_content":false,"robots_default":true,"robots_noindex":false,"robots_noarchive":false,"robots_nosnippet":false,"robots_nofollow":false,"robots_noimageindex":false,"robots_noodp":false,"robots_notranslate":false,"robots_max_snippet":"-1","robots_max_videopreview":"-1","robots_max_imagepreview":"large","priority":null,"frequency":"default","local_seo":null,"breadcrumb_settings":null,"limit_modified_date":false,"ai":{"faqs":[],"keyPoints":[],"schemas":[],"titles":[],"descriptions":[],"socialPosts":{"email":{"subject":"","preview":"","content":""},"linkedin":[],"twitter":[],"facebook":[],"instagram":[]}},"created":"2026-08-07 10:18:51","updated":"2026-08-07 10:42:37","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\/\" title=\"News\">News<\/a>\n\t\t<\/span><span class=\"aioseo-breadcrumb-separator\">&raquo;<\/span><span class=\"aioseo-breadcrumb\">\n\t\t\tCJEU Judgment on Essential Elements 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\/"},{"label":"CJEU Judgment on Essential Elements in Consumer Credit Agreements","link":"https:\/\/www.nzp.de\/ru\/\u0440\u0435\u0448\u0435\u043d\u0438\u0435-\u0441\u0443\u0434\u0430-\u0435\u0441-\u043e-\u0441\u0443\u0449\u0435\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0445-\u044d\u043b\u0435\u043c\u0435\u043d\/"}],"_links":{"self":[{"href":"https:\/\/www.nzp.de\/ru\/wp-json\/wp\/v2\/posts\/55520","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.nzp.de\/ru\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.nzp.de\/ru\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.nzp.de\/ru\/wp-json\/wp\/v2\/users\/29"}],"replies":[{"embeddable":true,"href":"https:\/\/www.nzp.de\/ru\/wp-json\/wp\/v2\/comments?post=55520"}],"version-history":[{"count":0,"href":"https:\/\/www.nzp.de\/ru\/wp-json\/wp\/v2\/posts\/55520\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.nzp.de\/ru\/wp-json\/wp\/v2\/media\/55523"}],"wp:attachment":[{"href":"https:\/\/www.nzp.de\/ru\/wp-json\/wp\/v2\/media?parent=55520"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.nzp.de\/ru\/wp-json\/wp\/v2\/categories?post=55520"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.nzp.de\/ru\/wp-json\/wp\/v2\/tags?post=55520"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}