Case C-76/22, Santander Bank Polska: Judgment of the Court (Third Chamber) of 17 October 2024 (request for a preliminary ruling from the Sąd Rejonowy dla Warszawy-Woli w Warszawie – Poland) – QI v Santander Bank Polska S.A. (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 of the duration of the contract – Commission for granting the credit payable when concluding the contract – Methodology for calculating the reduction)