{"id":727,"date":"2019-09-16T11:34:52","date_gmt":"2019-09-16T09:34:52","guid":{"rendered":"https:\/\/www.ariasassessors.com\/clausulas-irph\/"},"modified":"2019-10-07T10:04:29","modified_gmt":"2019-10-07T08:04:29","slug":"clausulas-irph","status":"publish","type":"post","link":"https:\/\/www.ariasassessors.com\/ca\/clausulas-irph\/","title":{"rendered":"El IRPH de la seva Hipoteca: estudi de reclamaci\u00f3 de cl\u00e0usules abusives"},"content":{"rendered":"<p>Las conclusiones del Abogado General del TJUE, que se conocieron el pasado martes 10 de septiembre de 2019,\u00a0 suponen un varapalo para la banca espa\u00f1ola, y tambi\u00e9n para el parecer del Tribunal Supremo en la sentencia de 14 de diciembre de 2017, en la que entendi\u00f3 que la mera referencia a este \u00edndice no implicaba una falta de transparencia.<\/p>\n<p>Sus conclusiones, aunque no son vinculantes pueden marcar el camino a seguir por el TJUE en su sentencia que se espera para finales de este a\u00f1o 2019.<\/p>\n<p>El abogado general del Tribunal de Justicia de la UE (TJUE), Maciej Szpunar\u00a0<strong>entiende que el IRPH no est\u00e1 excluido del \u00e1mbito de aplicaci\u00f3n de la Directiva Europea sobre cl\u00e1usulas abusivas y que, por lo tanto, podr\u00e1 ser controlado judicialmente, como pas\u00f3 (por ejemplo) con las cl\u00e1usulas suelo.<\/strong><\/p>\n<p><em>&#8220;(..) considero que la Directiva 93\/13 debe interpretarse en el sentido de que una cl\u00e1usula contractual pactada entre un consumidor y un profesional, como la controvertida en el litigio principal, que fija un tipo de inter\u00e9s tomando como valor de referencia uno de los seis \u00edndices de referencia oficiales legales que pueden ser aplicados por las entidades de cr\u00e9dito a los pr\u00e9stamos hipotecarios con tipo de inter\u00e9s variable, no est\u00e1 excluida de su \u00e1mbito de aplicaci\u00f3n&#8221;.<\/em><\/p>\n<p>Los jueces podr\u00edan investigar si los bancos que comercializaron pr\u00e9stamos hipotecarios referenciados a este \u00edndice cumplieron con las exigencias de transparencia.<\/p>\n<p>Para el caso de que se declarara abusivo y se anulara, los bancos tendr\u00edan que devolver el dinero cobrado de m\u00e1s a los clientes. Como recalcamos, esta decisi\u00f3n no tiene car\u00e1cter vinculante, pero en una gran mayor\u00eda de sentencias del TJUE coinciden con las conclusiones presentadas por el <strong>Abogado General del TJUE<\/strong>.<\/p>\n<p>Por lo tanto, si el TJUE falla en el mismo sentido que el Abogado General en sus conclusiones, el mazazo para la banca espa\u00f1ola se estima en <strong>miles de millones de euros que tendr\u00edan que ser devueltos a los consumidores.<\/strong><\/p>\n<p><em><strong>Fuente: <a href=\"https:\/\/www.iberley.es\">Iberley<\/a><\/strong><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Las conclusiones del Abogado General del TJUE, que se conocieron el pasado martes 10 de septiembre de 2019,\u00a0 suponen un varapalo para la banca espa\u00f1ola, y tambi\u00e9n para el parecer del Tribunal Supremo en la sentencia de 14 de diciembre de 2017, en la que&#8230;<\/p>\n","protected":false},"author":2,"featured_media":716,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[268,269],"class_list":["post-727","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticies","tag-hipoteca-ca","tag-irph-ca"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>El IRPH de la seva Hipoteca: estudi de reclamaci\u00f3 de cl\u00e0usules abusives<\/title>\n<meta name=\"description\" content=\"Por lo tanto, si el TJUE falla en el mismo sentido que el Abogado General en sus conclusiones, el mazazo para la banca espa\u00f1ola se estima en miles de millones de euros que tendr\u00edan que ser devueltos a los consumidores.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" 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