Court of Justice (First Chamber) 21 February 2013, C‑472/11 (Banif Plus Bank Zrt v Csaba Csipai and Viktória Csipai.)

JUDGMENT OF THE COURT (First Chamber) 21 February 2013 ( *1 ) ‛Directive 93/13/EEC — Unfair terms in consumer contracts — Examination by the national court, of its own motion, as to whether a term is unfair — Obligation on the national court, once it has found, of its own motion, that a term is unfair, to invite the parties to submit their observations before drawing conclusions from that finding