Schyns v Belfius Banque SA

European Union – Consumer protection. Article 5(6) of Directive (EC) 2008/48 should be interpreted as not precluding a national rule which obliged creditors or credit intermediaries to seek to establish, within the framework of the credit agreements which they usually offered, the type and the amount of credit most suitable, taking into account the consumer's financial situation at the time the credit agreement was concluded and the purpose of the credit. The Court of Justice of the European Union so held, among other things, in a preliminary ruling in proceedings concerning a loan agreement which the applicant had concluded with the respondent bank to finance the fitting of photovoltaic panels by another company.

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