Order of the Court (Ninth Chamber) of 17 November 2021.#YB v Unión de Créditos Inmobiliarios SA.#Request for a preliminary ruling from the Juzgado de Primera Instancia de Ibiza.#Reference for a preliminary ruling – Articles 53 and 99 of the Rules of Procedure of the Court – Consumer protection – Directive 93/13/EEC – Unfair terms in consumer contracts – Mortgage loan agreement – Variable interest rate – Mortgage loan reference index (IRPH) – Review of transparency by the national court – Duty to provide information – Assessment of the unfair nature of contractual terms – Requirements of good faith, balance and transparency – Consequences of a declaration of nullity.#Case C-79/21.