Judgment of the Court (Fourth Chamber) of 9 July 2020.#XZ v Ibercaja Banco, SA.#Request for a preliminary ruling from the Juzgado de Primera Instancia e Instrucción no 3 de Teruel.#Reference for a preliminary ruling — Consumer Protection — Directive 93/13/EEC — Unfair terms in consumer contracts — Mortgage loan agreement — Term limiting the variability of the interest rate (‘floor’ term) — Novation agreement — Waiver of the right to bring an action contesting the terms of a contract