Case C-598/21, Všeobecná úverová banka: Judgment of the Court (Fourth Chamber) of 9 November 2023 (request for a preliminary ruling from the Krajský súd v Prešove — Slovakia) — SP, CI v Všeobecná úverová banka a.s. (Reference for a preliminary ruling — Unfair terms in consumer contracts — Consumer credit contract — Directive 93/13/EEC — Article 1(2) — Term reflecting a mandatory statutory provision — Article 3(1), Article 4(1), Article 6(1) and Article 7(1) — Acceleration clause — Judicial review — Proportionality with regard to the consumer breaches of contract — Articles 7 and 38 of the Charter of Fundamental Rights of the European Union — Contract secured by a charge on immovable property — Extrajudicial sale of the consumer’s home)