Case C-230/24, Banco Santander: Judgment of the Court (Ninth Chamber) of 13 March 2025 (request for a preliminary ruling from the Juzgado de Primera Instancia de La Coruña – Spain) – MF v Banco Santander SA (Reference for a preliminary ruling – Consumer protection – Directive 93/13/EEC – Unfair terms in consumer contracts – Article 6(1) and Article 7(1) – Principle of equivalence – Mortgage loan agreements – Term stipulating that costs relating to the contract are to be paid by the consumer – Action for invalidity – Limitation period for an action seeking repayment of sums paid but not due – Actions seeking, respectively, a declaration that a contractual term is invalid and seeking to enforce the restitutory effects of such a declaration subject to different limitation periods)