97It follows from the foregoing that Article 3(1) of Directive 93/13 must be interpreted as meaning that a contractual term relating to non-interest credit costs, which sets that cost below a statutory upper limit and which passes on, to the consumer, the costs of the lender’s economic activity, is liable to cause a significant imbalance in the parties’ rights and obligations arising under the contract to the detriment of the consumer, where it imposes on that consumer costs which are disproportionate to the services provided and to the amount of the loan received, which it is for the referring court to ascertain.
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