{"id":214,"date":"2014-05-29T07:14:47","date_gmt":"2014-05-29T07:14:47","guid":{"rendered":"http:\/\/www.pratsadvocats.com\/?p=214"},"modified":"2014-05-29T07:14:47","modified_gmt":"2014-05-29T07:14:47","slug":"si-te-una-clausula-sol-a-la-seva-hipoteca-esta-perdent-diners","status":"publish","type":"post","link":"https:\/\/www.pratsadvocats.com\/ca\/si-te-una-clausula-sol-a-la-seva-hipoteca-esta-perdent-diners\/","title":{"rendered":"Si t\u00e9 una cl\u00e0usula s\u00f2l a la seva hipoteca est\u00e0 perdent diners"},"content":{"rendered":"<p><strong>\u00daltimament<\/strong><strong> arriben molts clients al nostre despatx amb consultes del tipus \u201c<i>A tothom li baixa la hipoteca perqu\u00e8 no para de baixar l\u2019Euribor i a mi no. Qu\u00e8 puc fer per solucionar-ho?\u201d<\/i>. En la gran majoria dels casos, la causa m\u00e9s probable d\u2019aquesta situaci\u00f3 \u00e9s que la hipoteca en q\u00fcesti\u00f3 estigui afectada per una cl\u00e0usula s\u00f2l.<i> <\/i>A <a href=\"https:\/\/www.facebook.com\/pages\/Prats-Advocats\/182145268479843?focus_composer=true&amp;ref=hl\">Prats Advocats<\/a>, especialistes en dret bancari, podem recuperar els diners pagats de m\u00e9s en els darrers anys i aconseguir que nom\u00e9s pagui de quota el que realment li pertoqui.<\/strong><br \/>\n<strong>Qu\u00e8 \u00e9s una cl\u00e0usula s\u00f2l?<\/strong><\/p>\n<p>La millor manera de solucionar un problema \u00e9s identificar-lo. Per aix\u00f2, \u00e9s b\u00e0sic saber que la cl\u00e0usula s\u00f2l \u00e9s una condici\u00f3 que es va establir fa uns anys en molts pr\u00e9stecs hipotecaris per part de les entitats banc\u00e0ries amb la finalitat b\u00e0sica de que aquella hipoteca, independentment del tipus d\u2019inter\u00e8s marcat per l\u2019Euribor (actualment per sota del 0,50%), mai pagui una quota mensual per sota d\u2019un tipus d\u2019inter\u00e8s fix que van establir al voltant del 3% &#8211; 4%.<\/p>\n<p>Generalment totes les hipoteques tenien un inter\u00e8s variable revisable cada any o cada 6 mesos amb l\u2019aplicaci\u00f3 d\u2019un tipus d\u2019inter\u00e8s, m\u00e9s un diferencial. Una hipoteca amb cl\u00e0usula s\u00f2l mai revisa el seu tipus d\u2019inter\u00e8s (per exemple, si pagava 700 \u20ac mensuals quan va constituir la seva hipoteca a 2010, avui quatre anys despr\u00e9s continuar\u00e0 pagant la mateixa quota. En qualsevol hipoteca sense cl\u00e0usula s\u00f2l aquesta quantitat s\u2019ha anat revisant a la baixa, any rere any).<\/p>\n<p><strong>Com puc detectar una cl\u00e0usula s\u00f2l?<\/strong><\/p>\n<p>La manera m\u00e9s f\u00e0cil de comprovar si la seva hipoteca est\u00e0 afectada per una cl\u00e0usula s\u00f2l \u00e9s revisar si en els \u00faltims anys li ha baixat la quota mensual. Si no \u00e9s aix\u00ed, probablement, l\u2019entitat financera li va col\u00b7locar una cl\u00e0usula s\u00f2l en el moment de la constituci\u00f3 del seu pr\u00e9stec.<\/p>\n<p>Una altra manera de comprovar-ho \u00e9s \u201caventurar-se\u201d a llegir totes les planes de l\u2019escriptura d\u2019hipoteca, al voltant d\u2019unes 40 p\u00e0gines, i tractar de trobar alguna f\u00f3rmula del tipus \u201cindependentment del tipus d\u2019inter\u00e8s aplicable mai podr\u00e0 ser inferior a un 3% ni superior a un 12%\u201d.<\/p>\n<p>Sigui com sigui, la millor manera de detectar-ho i trobar una soluci\u00f3 al problema \u00e9s posar-se en mans d\u2019un despatx d\u2019advocats i rebre l\u2019assessorament dels seus professionals.<\/p>\n<p><strong>Quina seria la seva quota sense la cl\u00e0usula s\u00f2l?<\/strong><\/p>\n<p>Sense con\u00e8ixer cada cas de manera puntual \u00e9s complicat aventurar una xifra en concret perqu\u00e8 dep\u00e8n de molts factors com la quantitat que es va demanar al banc o l\u2019import que resta per pagar de la hipoteca. No obstant aix\u00f2, l\u2019experi\u00e8ncia en aquests casos ens diu que l\u2019estalvi se situa entre els 100 i 200 \u20ac al mes, uns 4.500 \u20ac a l\u2019any.<\/p>\n<p>D\u2019altra banda, cal ser conscient de que tot all\u00f2 que s\u2019est\u00e0 pagant de m\u00e9s \u00fanicament afecta als interessos, el deute segueix igual de gran. En definitiva, si teniu cl\u00e0usula s\u00f2l, esteu tirant els diners.<\/p>\n<p><strong>\u00c9s possible recuperar els diners pagats de m\u00e9s durant aquests anys?<\/strong><\/p>\n<p>Si, \u00e9s possible, i \u00e9s el que seria just. Al nostre despatx estem aconseguint que els bancs tornin als afectats totes les quantitats pagades indegudament, que en molts casos s\u00f3n imports que oscil\u00b7len entre els 5.000 i els 10.000 \u20ac.<\/p>\n<p><strong>Qu\u00e8 hem de fer per qu\u00e8 ens treguin la cl\u00e0usula s\u00f2l?<\/strong><\/p>\n<p>La resposta \u00e9s molt clara, reclamar a l\u2019entitat financera en q\u00fcesti\u00f3. La millor manera de fer-ho \u00e9s comptant amb l\u2019assessorament d\u2019un professional de l\u2019advocacia.<\/p>\n<p>En primer lloc, hem de comprovar que el pr\u00e9stec est\u00e0 afectat per una cl\u00e0usula s\u00f2l, a Prats Advocats estudiarem de manera gratu\u00efta la seva hipoteca. Despr\u00e9s hem d\u2019interposar una reclamaci\u00f3 davant l\u2019entitat banc\u00e0ria per a que tregui la cl\u00e0usula s\u00f2l, ja sigui per via amistosa o judicial.<\/p>\n<p>La soluci\u00f3 definitiva \u00e9s anar als jutjats per reclamar les quantitats que li han cobrat de m\u00e9s. El nostre despatx, com a especialista en dret bancari, s\u2019encarregar\u00e0 de fer tota la reclamaci\u00f3 des d\u2019un inici amb un pressupost tancat i molt ajustat.<\/p>\n<p>Cal destacar que el 2013 molts bancs van retirar \u201cvolunt\u00e0riament\u201d les cl\u00e0usules s\u00f2l entre altres BBVA, Cajamar i Novacaixagalicia; per\u00f2 encara hi ha moltes entitats com Banc de Sabadell, Caixa Catalunya, Banco Pastor, Banco Popular, Caixabanc\u2026 que no han mogut fitxa.<\/p>\n<p><strong>Si la seva hipoteca est\u00e0 afectada per una cl\u00e0usula s\u00f2l, no deixi passar l\u2019oportunitat de recuperar els seus diners i rebaixar la quota de la hipoteca. A Prats Advocats som especialistes en dret bancari i volem ajudar-li a recuperar all\u00f2 que \u00e9s seu i a estalviar-se diners cada mes en la seva hipoteca. Volem estar al seu costat i denunciar qualsevol tipus de mala praxi per part d\u2019alguna entitat financera.<\/strong><\/p>\n<p><strong>Xavier Prats<\/strong><br \/>\nDirector Prats Advocats<\/p>\n<p>Article publicat a la revista M\u00e9s Salut &#8211; octubre<\/p>\n<p><a href=\"https:\/\/soundcloud.com\/z-comunicaci-n-eventos\/1-prats-advocats-especialistes-en-dret-bancari-mala-praxi\">Clickant en aqu\u00ed podr\u00e0 escoltar diferents consells i assessorament pr\u00e0ctic sobre hipoteques afectades per la cl\u00e0sula s\u00f2l<\/a><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00daltimament arriben molts clients al nostre despatx amb consultes del tipus \u201cA tothom li baixa la hipoteca perqu\u00e8 no para de baixar l\u2019Euribor i a mi no. Qu\u00e8 puc fer per solucionar-ho?\u201d. En la gran majoria dels casos, la causa m\u00e9s probable d\u2019aquesta situaci\u00f3 \u00e9s que la hipoteca en q\u00fcesti\u00f3 estigui afectada per una cl\u00e0usula [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":970,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[35,169],"tags":[],"class_list":["post-214","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualitat","category-dret-bancari"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Si t\u00e9 una cl\u00e0usula s\u00f2l a la seva hipoteca est\u00e0 perdent diners - Prats Advocats<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.pratsadvocats.com\/ca\/si-te-una-clausula-sol-a-la-seva-hipoteca-esta-perdent-diners\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Si t\u00e9 una cl\u00e0usula s\u00f2l a la seva hipoteca est\u00e0 perdent diners - Prats Advocats\" \/>\n<meta property=\"og:description\" content=\"\u00daltimament arriben molts clients al nostre despatx amb consultes del tipus \u201cA tothom li baixa la hipoteca perqu\u00e8 no para de baixar l\u2019Euribor i a mi no. Qu\u00e8 puc fer per solucionar-ho?\u201d. En la gran majoria dels casos, la causa m\u00e9s probable d\u2019aquesta situaci\u00f3 \u00e9s que la hipoteca en q\u00fcesti\u00f3 estigui afectada per una cl\u00e0usula [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.pratsadvocats.com\/ca\/si-te-una-clausula-sol-a-la-seva-hipoteca-esta-perdent-diners\/\" \/>\n<meta property=\"og:site_name\" content=\"Prats Advocats\" \/>\n<meta property=\"article:published_time\" content=\"2014-05-29T07:14:47+00:00\" \/>\n<meta name=\"author\" content=\"autopackswe\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrit per\" \/>\n\t<meta name=\"twitter:data1\" content=\"autopackswe\" \/>\n\t<meta name=\"twitter:label2\" content=\"Temps estimat de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minuts\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.pratsadvocats.com\/ca\/si-te-una-clausula-sol-a-la-seva-hipoteca-esta-perdent-diners\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.pratsadvocats.com\/ca\/si-te-una-clausula-sol-a-la-seva-hipoteca-esta-perdent-diners\/\"},\"author\":{\"name\":\"autopackswe\",\"@id\":\"https:\/\/www.pratsadvocats.com\/ca\/#\/schema\/person\/63d0b29a22a5a09bc7d38dcd5e5b1ca3\"},\"headline\":\"Si t\u00e9 una cl\u00e0usula s\u00f2l a la seva hipoteca est\u00e0 perdent diners\",\"datePublished\":\"2014-05-29T07:14:47+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.pratsadvocats.com\/ca\/si-te-una-clausula-sol-a-la-seva-hipoteca-esta-perdent-diners\/\"},\"wordCount\":898,\"image\":{\"@id\":\"https:\/\/www.pratsadvocats.com\/ca\/si-te-una-clausula-sol-a-la-seva-hipoteca-esta-perdent-diners\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.pratsadvocats.com\/wp-content\/uploads\/2014\/05\/20140529-clausula-sol.png\",\"articleSection\":[\"Actualitat\",\"Dret bancari\"],\"inLanguage\":\"ca\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.pratsadvocats.com\/ca\/si-te-una-clausula-sol-a-la-seva-hipoteca-esta-perdent-diners\/\",\"url\":\"https:\/\/www.pratsadvocats.com\/ca\/si-te-una-clausula-sol-a-la-seva-hipoteca-esta-perdent-diners\/\",\"name\":\"Si t\u00e9 una cl\u00e0usula s\u00f2l a la seva hipoteca est\u00e0 perdent diners - 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