53As to a term such as the one referred to in paragraph 51 above, which makes reference to a variable rate, the exact value of which cannot be determined in a credit agreement for the entire duration thereof, it should be noted, as Advocate General observed in points 122 and 123 of his Opinion, that the fact that the essential information relating to the calculation of the IRPH of the Spanish savings banks was easily accessible to anyone intending to take out a mortgage loan is relevant for the purposes of that examination, since that information was set out in Notice 8/1990, published in the Boletín Oficial del Estado. That circumstance was capable of enabling a reasonably observant and circumspect consumer to understand that the index was calculated on the basis of the average rate of mortgage loans of a duration greater than three years for the purpose of acquiring a residential property, thus including the average margins and fees charged by those institutions, and that, in the mortgage loan agreement in question, the index was rounded up to the next higher quarter-percentage point, to which was added a further 0.25% margin.
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