Opinion of Advocate General Campos Sánchez-Bordona delivered on 22 February 2024.#QI v Santander Bank Polska S.A.#Request for a preliminary ruling from the Sąd Rejonowy dla Warszawy-Woli w Warszawie.#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 – Article 4(13) – Concept of ‘total cost of the credit to the consumer’ – Costs that are dependent on the duration of the contract – Commission for granting the credit payable when concluding the contract – Methodology for calculating the reduction.#Case C-76/22.