95Thus, the non-interest credit cost to the consumer, which is subject to an upper limit under national law, could nevertheless give rise to a significant imbalance within the meaning of the Court’s case-law, even though it is set below that upper limit, if the services provided in return were not reasonably covered by the services provided in connection with the conclusion or management of the credit agreement, or if the amounts charged to the consumer in respect of the costs of granting and managing the loan are clearly disproportionate in relation to the amount of the loan. It is for the referring court to take account, in that regard, of the effect of other contractual terms in order to determine whether those terms create a significant imbalance to the borrower’s detriment.
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