{"id":2641,"date":"2020-03-03T15:35:56","date_gmt":"2020-03-03T14:35:56","guid":{"rendered":"https:\/\/www.pratsadvocats.com\/?p=2641"},"modified":"2020-03-03T15:35:56","modified_gmt":"2020-03-03T14:35:56","slug":"el-tribunal-de-justicia-de-la-unio-europea-obre-la-porta-a-la-reclamacio-de-les-hipoteques-refenciades-a-lirph","status":"publish","type":"post","link":"https:\/\/www.pratsadvocats.com\/ca\/el-tribunal-de-justicia-de-la-unio-europea-obre-la-porta-a-la-reclamacio-de-les-hipoteques-refenciades-a-lirph\/","title":{"rendered":"El Tribunal de Just\u00edcia de la Uni\u00f3 Europea obre la porta a la reclamaci\u00f3 de les hipoteques refenciades a l&#8217;IRPH"},"content":{"rendered":"<div class=\"tlid-input input\">\n<div class=\"source-wrap\">\n<div class=\"input-full-height-wrapper tlid-input-full-height-wrapper\">\n<div class=\"source-input\">\n<div class=\"source-footer-wrap source-or-target-footer\">\n<div class=\"character-count tlid-character-count\"><\/div>\n<div class=\"source-footer\">\n<div class=\"speech-wrap source-or-target-footer-button left-positioned\">\n<div id=\"gt-speech\" class=\"speech-button goog-toolbar-button\" tabindex=\"0\" role=\"button\" aria-label=\"Activar la entrada de voz\" data-tooltip-align=\"t,c\" aria-pressed=\"false\" aria-disabled=\"false\" data-tooltip=\"Activar la entrada de voz\"><strong>El TJUE ha fet publica avui l&#8217;esperada sent\u00e8ncia al respecte de les hipoteques referenciades a l&#8217;IRPH. Finalment, l&#8217;alt tribunal europeu dictamina que en \u00faltima inst\u00e0ncia seran els jutges i jutgesses espanyols els que dictaminaran si una hipoteca es va comercialitzar de manera abusiva i per tant que aquests \u00edndex pugui ser substitu\u00eft per un altre \u00edndex legal, com l&#8217;eur\u00edbor, si consideren que la seva comercialitzaci\u00f3 no va ser clara i prou transparent. Amb aquesta sent\u00e8ncia, milers d&#8217;afectats podran presentar la seva reclamaci\u00f3 davant la just\u00edcia i reclamar pels diners pagats de m\u00e9s.<\/strong><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"tlid-results-container results-container\">\n<div class=\"tlid-result result-dict-wrapper\">\n<div class=\"result tlid-copy-target\">\n<div class=\"text-wrap tlid-copy-target\">\n<div class=\"result-shield-container tlid-copy-target\" tabindex=\"0\"><span class=\"tlid-translation translation\" lang=\"ca\"><br \/>\nD&#8217;acord amb el dictamen del TJUE els tribunals espanyols &#8220;han d&#8217;assegurar-se el car\u00e0cter clar i comprensible&#8221; de tots els termes dels contractes de pr\u00e9stec hipotecari que facin servir aquestes cl\u00e0usules, i &#8220;si arribessin a la conclusi\u00f3 que s\u00f3n abusives, podran substituir-les per un \u00edndex legal -Euribor- aplicable de manera suplet\u00f2ria per protegir els consumidors en q\u00fcesti\u00f3 de les conseq\u00fc\u00e8ncies especialment perjudicials que podrien derivar-se de l&#8217;anul\u00b7laci\u00f3 del contracte de pr\u00e9stec &#8220;.<\/p>\n<p>D&#8217;aquesta manera, tot i que el dictamente del TJUE sobre aquest pol\u00e8mic \u00edndex hipotecari no anul\u00b7la d&#8217;una manera general aquesta cl\u00e0usula, donant aix\u00ed un respir a la banca, obre la porta a tots els consumidors amb una hipoteca referenciada a l&#8217;IRPH, prop d&#8217;un mili\u00f3 a Espanya -amb especial incid\u00e8ncia en entitats financeres com Caixabank, Santander i BBVA- a presentar una reclamaci\u00f3 davant la just\u00edcia.<\/p>\n<p>En aquest sentit, comptar amb l&#8217;assessorament i representaci\u00f3 d&#8217;un despatx d&#8217;advocats especialitzat en dret bancari com <strong>Prats Advocats<\/strong>, ser\u00e0 clau per aconseguir l&#8217;\u00e8xit de la seva reclamaci\u00f3, ja sigui per intentar arribar a un acord previ amb el banc -mai negoci\u00ef de manera particular sense comptar amb assist\u00e8ncia lletrada especialitzada- com si el cas arriba als tribunals. Cal recordar que estan en joc quantitats que poden superar els 20.000 \u20ac.<\/p>\n<p>En la sent\u00e8ncia, el TJUE matisa, que &#8220;el tipus d&#8217;inter\u00e8s aplicable al pr\u00e9stec es basar\u00e0 en un dels \u00edndexs de refer\u00e8ncia oficials establerts per la normativa nacional i que les entitats de cr\u00e8dit poden aplicar als pr\u00e9stecs hipotecaris&#8221;, el que a priori inclouria l&#8217; IRPH, ratificat pel supervisor financer nacional.<\/p>\n<p>Aix\u00ed mateix, l&#8217;organisme de just\u00edcia europeu conclou que aquestes cl\u00e0usules &#8220;no nom\u00e9s han de ser comprensibles en un pla formal i gramatical, sin\u00f3 tamb\u00e9 permetre que el consumidor mitj\u00e0, normalment informat i raonablement atent i perspica\u00e7, estigui en condicions de comprendre el funcionament concret de la manera de c\u00e0lcul de l&#8217;esmentat tipus d&#8217;inter\u00e8s i de valorar aix\u00ed, basant-se en criteris precisos i comprensibles, les conseq\u00fc\u00e8ncies econ\u00f2miques, potencialment significatives, d&#8217;aquestes cl\u00e0usules per a les seves obligacions financeres &#8221;<\/p>\n<p>Amb el pas dels anys ha quedat demostrat que l&#8217;IRPH ha estat m\u00e9s perjudicial que l&#8217;eur\u00edbor, encarint les hipoteques. Actualment, l&#8217;IRPH ronda l&#8217;1,81%, mentre que l&#8217;eur\u00edbor es col\u00b7loca en tipus negatives al voltant de l&#8217;-0,25%. Per al consumidor, l&#8217;ocupaci\u00f3 de l&#8217;IRPH en lloc de l&#8217;eur\u00edbor suposa un cost superior d&#8217;entre 18.000 i 21.000 euros per hipoteca, segons c\u00e0lculs del jutjat 8 de primera inst\u00e0ncia de Barcelona, \u200b\u200bque \u00e9s el que va introduir aquesta q\u00fcesti\u00f3 davant del Tribunal de Just\u00edcia de la UE.<\/span><\/div>\n<\/div>\n<div tabindex=\"0\"><\/div>\n<h3 tabindex=\"0\"><span class=\"tlid-translation translation\" lang=\"ca\">A Prats Advocats t&#8217;ajudarem en la teva reclamaci\u00f3. Contacta amb nosaltres sense comprom\u00eds.<\/p>\n<p><a href=\"https:\/\/www.pratsadvocats.com\/ca\/serveis\/irph\/\" target=\"_blank\" rel=\"noopener noreferrer\">Qu\u00e8 fer si t\u00e9 una hipoteca amb IRPH? &#8211; M\u00e9s informaci\u00f3<\/a><br \/>\n<\/span><\/h3>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>El TJUE ha fet publica avui l&#8217;esperada sent\u00e8ncia al respecte de les hipoteques referenciades a l&#8217;IRPH. Finalment, l&#8217;alt tribunal europeu dictamina que en \u00faltima inst\u00e0ncia seran els jutges i jutgesses espanyols els que dictaminaran si una hipoteca es va comercialitzar de manera abusiva i per tant que aquests \u00edndex pugui ser substitu\u00eft per un altre [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2642,"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":[192,169],"tags":[],"class_list":["post-2641","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-destacades","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>El Tribunal de Just\u00edcia de la Uni\u00f3 Europea obre la porta a la reclamaci\u00f3 de les hipoteques refenciades a l&#039;IRPH - 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\/el-tribunal-de-justicia-de-la-unio-europea-obre-la-porta-a-la-reclamacio-de-les-hipoteques-refenciades-a-lirph\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"El Tribunal de Just\u00edcia de la Uni\u00f3 Europea obre la porta a la reclamaci\u00f3 de les hipoteques refenciades a l&#039;IRPH - Prats Advocats\" \/>\n<meta property=\"og:description\" content=\"El TJUE ha fet publica avui l&#8217;esperada sent\u00e8ncia al respecte de les hipoteques referenciades a l&#8217;IRPH. 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