32In the present case, it is apparent from the request for a preliminary ruling that the applicants in the main proceedings are natural persons who, at the time when they entered into the mortgage loan agreement, were employed, respectively, as a police officer and as a school principal. Furthermore, they were not carrying on a trade, business or profession in a professional capacity in the field of property management. It is also apparent that they entered into that mortgage loan agreement in order to finance the acquisition of a single residential property, situated in Warsaw, to be leased for consideration, and that the rental income was used primarily to repay the monthly instalments in respect of that loan. The applicants in the main proceedings did not lease any other properties.
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