Joined Cases C-224/19 and C-259/19: Judgment of the Court (Fourth Chamber) of 16 July 2020 (requests for a preliminary ruling from the Juzgado de Primera Instancia No 17 de Palma de Mallorca, Juzgado de Primera Instancia e Instrucción de Ceuta — Spain) — CY v Caixabank SA (C-224/19), LG, PK v Banco Bilbao Vizcaya Argentaria SA (C-259/19) (Reference for a preliminary ruling — Consumer protection — Directive 93/13/EEC — Articles 6 and 7 — Consumer contracts — Mortgage loans — Unfair terms — Term charging all of the costs of creating and cancelling a mortgage to the borrower — Effects of a declaration that those terms are void — Powers of the national court when dealing with a term considered to be ‘unfair’ — Award of costs — Application of national supplementary provisions — Article 3(1) — Assessment of the unfairness of contractual terms — Article 4(2) — Exclusion of terms relating to the main subject matter of the contract or the adequacy of the price and the remuneration — Condition — Article 5 — Obligation to draft contractual terms in plain, intelligible language — Costs — Limitation — Principle of effectiveness)