Povzetek: Odločbe Vrhovnega sodišča RS (VS RS) v zvezi z veljavnostjo pogodb o kreditu v švicarskih frankih različni deležniki interpretirajo zelo različno. Na eni strani banke trdijo, da je sodna praksa VS RS enotna in usklajena, na drugi strani pa trdijo določeni kreditojemalci, predvsem prek interesnega združenja, prav nasprotno (z medijskimi navedbami, da so odločitve vrhovnih sodnikov "nasprotujoče"). VS RS je denimo v letu 2018 izdalo kar pet tovrstnih odločb, nižja sodišča pa še mnogo več. Analiza in primerjava odločitev VS RS v odločbah VS RS v zvezi z veljavnostjo pogodb o kreditu v švicarskih frankih je pokazala, da so stališča VS RS glede veljavnosti pogodb o kreditu v švicarskih frankih usklajena in je sodna praksa VS RS enotna, kljub občasnim, a očitno neutemeljenim dvomom. V vsebinsko presojo posameznih stališč pa se avtorja v prispevku namenoma nista spuščala.

Ključne besede: pogodbe o kreditu, švicarski franki, Vrhovno sodišče Republike Slovenije, sodna praksa

Title: The Question of Uniformity of Case Law of the Supreme Court of the Republic of Slovenia Regarding Loan Agreements in Foreign Currency

Abstract: Decisions of the Supreme Court of the Republic of Slovenia (SCRS) regarding the validity of loan agreements in Swiss francs are interpreted very differently by differrent stakeholders. On one hand, banks argue that the SCRS case law is uniform and harmonised, while on the other, certain borrowers, especially through their association, argue the opposite (with media reports saying that the decisions of the supreme judges are "conflicting"). For example, the SCRS issued as many as five such decisions in 2018, while lower courts issued even more. The analysis and comparison of SCRS positions in SCRS decisions regarding the validity of loan agreements in Swiss francs showed that the views of the SCRS regarding the validity of loan agreements in Swiss francs are consistent, and that the SCRS case law is uniform, despite occasional, but clearly unfounded, doubts. Nevertheless, the authors deliberately did not delve into the substantive assessments of the SCRS decisions.

Keywords: loan agreements, Swiss francs, Supreme Court of the Republic of Slovenia, case law