Judgment of the Court (Fourth Chamber) of 16 July 2020.#CY and Others v Caixabank SA and Banco Bilbao Vizcaya Argentaria SA.#Requests for a preliminary ruling from the Juzgado de Primera Instancia n° 17 de Palma de Mallorca and Juzgado de Primera Instancia e Instrucción de Ceuta.#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.#Joined Cases C-224/19 and C-259/19.