Opinion of Advocate General Szpunar delivered on 13 September 2018.#Bankia SA v Henry-Rodolfo Rengifo Jiménez and Sheyla-Jeanneth Felix Caiza.#Request for a preliminary ruling from the Juzgado de Primera Instancia de Fuenlabrada.#Reference for a preliminary ruling — Consumer protection — Directive 93/13/EEC — Articles 6 and 7 — Unfair terms in consumer contracts — Accelerated repayment clause of a mortgage loan contract — Article 99 of the Rules of Procedure of the Court of Justice — Question identical to a question on which the Court has already ruled or where the reply to such a question may be clearly deduced from existing case-law — Declaration that the clause is unfair in part — Powers of the national court when dealing with a term regarded as ‘unfair’ — Replacement of the unfair term with a provision of national law — Article 53(2) of the Rules of Procedure of the Court of Justice — Question manifestly inadmissible.#Case C-92/16.

Provisional text

OPINION OF ADVOCATE GENERAL

SZPUNAR

delivered on 13 September 2018 (1)

Case C‑92/16

Bankia SA

v

Henry-Rodolfo Rengifo Jiménez,

Sheyla-Jeanneth Felix Caiza

(Request for a preliminary ruling from the Juzgado de Primera Instancia No 1 de Fuenlabrada (Court of First Instance No 1, Fuenlabrada, Spain))

(Reference for a preliminary ruling — Directive 93/13/EEC — Consumer protection — Unfair terms in consumer contracts — Accelerated repayment term in a mortgage loan agreement — Article 6(1) — Article 7(1) — Declaration of partial unfairness — Powers of the national court)

and

Case C‑167/16

Banco Bilbao Vizcaya Argentaria SA

v

Fernando Quintano Ujeta,

María Isabel Sánchez García

(Request for a preliminary ruling from the Juzgado de Primera Instancia No 2 de Santander (Court of First Instance No 2, Santander, Spain))

(Reference for a preliminary ruling — Directive 93/13/EEC — Consumer protection — Unfair terms in consumer contracts — Accelerated repayment term in a mortgage loan agreement — Article 6(1) — Article 7(1) — Declaration of partial unfairness — Powers of the national court)

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1      Original language: French.