Judgment_paragraph 47 · ZL and Others v Provident Polska S.A (C-321/22)

47By contrast, where the quantitative economic evaluation does show that there is a significant imbalance, that finding may be made without it being necessary to examine other factors. In the case of a credit agreement, such a finding may notably be made if the services provided in exchange for the non-interest costs were not reasonably covered in the context of the conclusion or management of that 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 (see, to that effect, judgment of 3 September 2020, Profi Credit Polska and Others, C‑84/19, C‑222/19 and C‑252/19, EU:C:2020:631, paragraph 95).