Court of Justice 12 October 2016, Joined Cases C-511/15 and C-512/15: Order of the Court (Sixth Chamber) of 12 October 2016 (request for a preliminary ruling from the Prekršajni sud u Bjelovaru — Croatia) — Renata Horžić (C-511/15), Siniša Pušić (C-512/15) v Privredna banka Zagreb d.d., Božo Prka (Reference for a preliminary ruling — Article 99 of the Rules of Procedure of the Court of Justice — Agreements concerning credit for consumers — Directive 2008/48/EC — Credit agreement for immovable property — Variable interest rates — Obligations on the creditor — National legislation applicable to agreements existing at the date on which that legislation comes into force — Inapplicability of Directive 2008/48)

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