Case C-79/21: Order of the Court (Ninth Chamber) of 17 November 2021 (request for a preliminary ruling from the Juzgado de Primera Instancia No 2 de Ibiza — Spain) — YB v Unión de Créditos Inmobiliarios SA (Reference for a preliminary ruling — Articles 53 and 99 of the Rules of Procedure of the Court — Consumer protection — Directive 93/13/EEC — Unfair terms in consumer contracts — Mortgage loan agreement — Variable interest rate — Mortgage loan reference index (IRPH) — Review of transparency by the national court — Duty to provide information — Assessment of the unfair nature of contractual terms — Requirements of good faith, balance and transparency — Consequences of a declaration of nullity)