Judgment of the Court (Third Chamber) of 9 February 2023.#UniCredit Bank Austria AG v Verein für Konsumenteninformation.#Reference for a preliminary ruling – Consumer protection – Directive 2014/17/EU – Credit agreements for consumers relating to residential immovable property – Article 25(1) – Early repayment – Consumer’s right to a reduction in the total cost of the credit, consisting of the interest and the costs for the remaining duration of the contract – Article 4(13) – Concept of ‘total cost of the credit to the consumer’ – Costs that are independent of the duration of the agreement.#Case C-555/21.