Judgment of the Court (Eighth Chamber) of 30 April 2025.#Justa v Banco Bilbao Vizcaya Argentaria SA.#Request for a preliminary ruling from the Juzgado de Primera Instancia de Ceuta.#Reference for a preliminary ruling – Consumer protection – Directive 93/13/EEC – Articles 4 and 5 – Unfair terms in consumer contracts – Mortgage loan agreements – Term concerning loan arrangement fees – Plainness and intelligibility of the terms.#Case C-39/24.