{"id":3010,"date":"2021-01-29T12:03:34","date_gmt":"2021-01-29T11:03:34","guid":{"rendered":"https:\/\/www.pratsadvocats.com\/?p=3010"},"modified":"2021-01-29T12:03:34","modified_gmt":"2021-01-29T11:03:34","slug":"els-bancs-obligats-a-pagar-les-despeses-de-taxacio-dels-prestecs-hipotecaris","status":"publish","type":"post","link":"https:\/\/www.pratsadvocats.com\/ca\/els-bancs-obligats-a-pagar-les-despeses-de-taxacio-dels-prestecs-hipotecaris\/","title":{"rendered":"Els bancs obligats a pagar les despeses de taxaci\u00f3 dels pr\u00e9stecs hipotecaris"},"content":{"rendered":"<p><strong>El passat 27 de gener, van arribar bones not\u00edcies per als cosnumidors amb pr\u00e9stecs hipotecaris des del Tribunal Suprem al dictaminar que les despeses de taxaci\u00f3, quan no sigui aplicable la Llei 5\/2019 de 15 de mar\u00e7, incumbeixen a banc i no al consumidor. A efectes pr\u00e0ctics, aquesta sent\u00e8ncia permetr\u00e0 als consumidors reclamar la restituci\u00f3 de totes les despeses pagades en concepte de registre de la propietat, gestoria i taxaci\u00f3, aix\u00ed com la meitat de les despeses notarials. A Prats Advocats, especialistes en dret bancari, estudiarem el vostre cas sense comprom\u00eds i us ajudarem en la reclamaci\u00f3.<\/strong><\/p>\n<p>Una sent\u00e8ncia de Ple de la Sala Civil del Tribunal Suprem ha resolt sobre els efectes econ\u00f2mics de la declaraci\u00f3 de nul\u00b7litat de la cl\u00e0usula de despeses dels pr\u00e9stecs hipotecaris entre bancs i consumidors. L&#8217;alt tribunal dictamina que les despeses de taxaci\u00f3, quan no sigui aplicable la Llei 5\/2019, de 15 de mar\u00e7, reguladora dels contractes de cr\u00e8dit immobiliari, incumbeixen el banc i no a consumidor.<\/p>\n<p>D&#8217;aquesta manera, queden resoltes per la Sala Civil totes les conseq\u00fc\u00e8ncies de la nul\u00b7litat de les cl\u00e0usules que imposen als consumidors les despeses de formalitzaci\u00f3 del pr\u00e9stec hipotecari. En aquest sentit, \u00e9s important destacar que aquesta resoluci\u00f3 nom\u00e9s \u00e9s aplicable als pr\u00e9stecs signats abans de 2019 ja que en la Llei de Cr\u00e8dit Immobiliari aprovada fa dos anys s\u00ed s&#8217;estableix que la taxaci\u00f3 ha d&#8217;abonar-la el prestatari, \u00e9s a dir, el consumidor.<\/p>\n<p>Sense cap mena de dubtes una molt bona not\u00edcia per als consumidors que tinguin pr\u00e9stecs hipotecaris, anteriors a la data indicada, ja que amb aquesta sent\u00e8ncia queden resoltes per la Sala Civil totes les conseq\u00fc\u00e8ncies de la nul\u00b7litat de les cl\u00e0usules que imposen als consumidors les despeses de formalitzaci\u00f3 del pr\u00e9stec hipotecari obtenint aix\u00ed el dret a la restituci\u00f3 de totes les despeses pagades en concepte de registre de la propietat, gestoria i taxaci\u00f3, aix\u00ed com de la meitat de les despeses notarials. D&#8217;aquesta manera, nom\u00e9s anir\u00e0 a c\u00e0rrec dels consumidors l&#8217;Impost sobre Actes Jur\u00eddics Documentats, en el qual les normes tribut\u00e0ries estableixen que el principal subjecte passiu \u00e9s el prestatari.<\/p>\n<p>Aquesta sent\u00e8ncia, 25\/2021 de 27 de gener va en la l\u00ednia i \u00e9s coherent amb el que va dictaminar fa uns mesos el Tribunal de Just\u00edcia de la Uni\u00f3 Europea, que considerava a aquesta cl\u00e0usula com abusiva.<\/p>\n<p>L&#8217;Alt Tribunal considera que la taxaci\u00f3 ha de formar part de les despeses de gestoria i, per tant i d&#8217;acord amb la jurisprud\u00e8ncia, s&#8217;ha de fer c\u00e0rrec el prestador, \u00e9s a dir els bancs. Les anomenades despeses de taxaci\u00f3 s\u00f3n el cost de la taxaci\u00f3 de la finca sobre la qual es pret\u00e9n constituir la garantia hipotec\u00e0ria. Tot i que la taxaci\u00f3 no constitueix, pr\u00f2piament, un requisit de validesa de la hipoteca, la llei requereix per a l&#8217;execuci\u00f3 judicial directa de la hipoteca, entre d&#8217;altres requisits que en l&#8217;escriptura de constituci\u00f3 de la hipoteca es determini el preu en qu\u00e8 els interessats taxen la finca o b\u00e9 hipotecat, perqu\u00e8 serveixi de tipus en la subhasta, que no podr\u00e0 ser inferior, en cap cas, a el 75 per cent de la valor assenyalat en la taxaci\u00f3.<\/p>\n<h3>A Prats Advocats, despatx d\u2019advocats lleidat\u00e0 especialitzat en dret bancari i amb un alt percentatge d&#8217;\u00e8xits, us acompanyarem i ajudarem en tot el proc\u00e9s de reclamaci\u00f3 davant vostre banc. Truca&#8217;ns, estudiarem el teu cas sense comprom\u00eds. Recupera el que \u00e9s teu.<\/h3>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>El passat 27 de gener, van arribar bones not\u00edcies per als cosnumidors amb pr\u00e9stecs hipotecaris des del Tribunal Suprem al dictaminar que les despeses de taxaci\u00f3, quan no sigui aplicable la Llei 5\/2019 de 15 de mar\u00e7, incumbeixen a banc i no al consumidor. A efectes pr\u00e0ctics, aquesta sent\u00e8ncia permetr\u00e0 als consumidors reclamar la restituci\u00f3 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3016,"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-3010","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>Els bancs obligats a pagar les despeses de taxaci\u00f3 dels pr\u00e9stecs hipotecaris - 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\/els-bancs-obligats-a-pagar-les-despeses-de-taxacio-dels-prestecs-hipotecaris\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Els bancs obligats a pagar les despeses de taxaci\u00f3 dels pr\u00e9stecs hipotecaris - Prats Advocats\" \/>\n<meta property=\"og:description\" content=\"El passat 27 de gener, van arribar bones not\u00edcies per als cosnumidors amb pr\u00e9stecs hipotecaris des del Tribunal Suprem al dictaminar que les despeses de taxaci\u00f3, quan no sigui aplicable la Llei 5\/2019 de 15 de mar\u00e7, incumbeixen a banc i no al consumidor. A efectes pr\u00e0ctics, aquesta sent\u00e8ncia permetr\u00e0 als consumidors reclamar la restituci\u00f3 [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.pratsadvocats.com\/ca\/els-bancs-obligats-a-pagar-les-despeses-de-taxacio-dels-prestecs-hipotecaris\/\" \/>\n<meta property=\"og:site_name\" content=\"Prats Advocats\" \/>\n<meta property=\"article:published_time\" content=\"2021-01-29T11:03:34+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=\"3 minuts\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.pratsadvocats.com\/ca\/els-bancs-obligats-a-pagar-les-despeses-de-taxacio-dels-prestecs-hipotecaris\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.pratsadvocats.com\/ca\/els-bancs-obligats-a-pagar-les-despeses-de-taxacio-dels-prestecs-hipotecaris\/\"},\"author\":{\"name\":\"autopackswe\",\"@id\":\"https:\/\/www.pratsadvocats.com\/ca\/#\/schema\/person\/63d0b29a22a5a09bc7d38dcd5e5b1ca3\"},\"headline\":\"Els bancs obligats a pagar les despeses de taxaci\u00f3 dels pr\u00e9stecs hipotecaris\",\"datePublished\":\"2021-01-29T11:03:34+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.pratsadvocats.com\/ca\/els-bancs-obligats-a-pagar-les-despeses-de-taxacio-dels-prestecs-hipotecaris\/\"},\"wordCount\":620,\"image\":{\"@id\":\"https:\/\/www.pratsadvocats.com\/ca\/els-bancs-obligats-a-pagar-les-despeses-de-taxacio-dels-prestecs-hipotecaris\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.pratsadvocats.com\/wp-content\/uploads\/2021\/01\/Recupera-despeses-taxacio-hipoteca-Prats-Advocats.png\",\"articleSection\":[\"Destacades\",\"Dret bancari\"],\"inLanguage\":\"ca\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.pratsadvocats.com\/ca\/els-bancs-obligats-a-pagar-les-despeses-de-taxacio-dels-prestecs-hipotecaris\/\",\"url\":\"https:\/\/www.pratsadvocats.com\/ca\/els-bancs-obligats-a-pagar-les-despeses-de-taxacio-dels-prestecs-hipotecaris\/\",\"name\":\"Els bancs obligats a pagar les despeses de taxaci\u00f3 dels pr\u00e9stecs hipotecaris - Prats Advocats\",\"isPartOf\":{\"@id\":\"https:\/\/www.pratsadvocats.com\/ca\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.pratsadvocats.com\/ca\/els-bancs-obligats-a-pagar-les-despeses-de-taxacio-dels-prestecs-hipotecaris\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.pratsadvocats.com\/ca\/els-bancs-obligats-a-pagar-les-despeses-de-taxacio-dels-prestecs-hipotecaris\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.pratsadvocats.com\/wp-content\/uploads\/2021\/01\/Recupera-despeses-taxacio-hipoteca-Prats-Advocats.png\",\"datePublished\":\"2021-01-29T11:03:34+00:00\",\"author\":{\"@id\":\"https:\/\/www.pratsadvocats.com\/ca\/#\/schema\/person\/63d0b29a22a5a09bc7d38dcd5e5b1ca3\"},\"breadcrumb\":{\"@id\":\"https:\/\/www.pratsadvocats.com\/ca\/els-bancs-obligats-a-pagar-les-despeses-de-taxacio-dels-prestecs-hipotecaris\/#breadcrumb\"},\"inLanguage\":\"ca\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.pratsadvocats.com\/ca\/els-bancs-obligats-a-pagar-les-despeses-de-taxacio-dels-prestecs-hipotecaris\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"ca\",\"@id\":\"https:\/\/www.pratsadvocats.com\/ca\/els-bancs-obligats-a-pagar-les-despeses-de-taxacio-dels-prestecs-hipotecaris\/#primaryimage\",\"url\":\"https:\/\/www.pratsadvocats.com\/wp-content\/uploads\/2021\/01\/Recupera-despeses-taxacio-hipoteca-Prats-Advocats.png\",\"contentUrl\":\"https:\/\/www.pratsadvocats.com\/wp-content\/uploads\/2021\/01\/Recupera-despeses-taxacio-hipoteca-Prats-Advocats.png\",\"width\":940,\"height\":788},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.pratsadvocats.com\/ca\/els-bancs-obligats-a-pagar-les-despeses-de-taxacio-dels-prestecs-hipotecaris\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Portada\",\"item\":\"https:\/\/www.pratsadvocats.com\/ca\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Els bancs obligats a pagar les despeses de taxaci\u00f3 dels pr\u00e9stecs hipotecaris\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.pratsadvocats.com\/ca\/#website\",\"url\":\"https:\/\/www.pratsadvocats.com\/ca\/\",\"name\":\"Prats Advocats\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.pratsadvocats.com\/ca\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"ca\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.pratsadvocats.com\/ca\/#\/schema\/person\/63d0b29a22a5a09bc7d38dcd5e5b1ca3\",\"name\":\"autopackswe\",\"url\":\"https:\/\/www.pratsadvocats.com\/ca\/author\/autopackswe\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Els bancs obligats a pagar les despeses de taxaci\u00f3 dels pr\u00e9stecs hipotecaris - Prats Advocats","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.pratsadvocats.com\/ca\/els-bancs-obligats-a-pagar-les-despeses-de-taxacio-dels-prestecs-hipotecaris\/","og_locale":"ca_ES","og_type":"article","og_title":"Els bancs obligats a pagar les despeses de taxaci\u00f3 dels pr\u00e9stecs hipotecaris - Prats Advocats","og_description":"El passat 27 de gener, van arribar bones not\u00edcies per als cosnumidors amb pr\u00e9stecs hipotecaris des del Tribunal Suprem al dictaminar que les despeses de taxaci\u00f3, quan no sigui aplicable la Llei 5\/2019 de 15 de mar\u00e7, incumbeixen a banc i no al consumidor. A efectes pr\u00e0ctics, aquesta sent\u00e8ncia permetr\u00e0 als consumidors reclamar la restituci\u00f3 [&hellip;]","og_url":"https:\/\/www.pratsadvocats.com\/ca\/els-bancs-obligats-a-pagar-les-despeses-de-taxacio-dels-prestecs-hipotecaris\/","og_site_name":"Prats Advocats","article_published_time":"2021-01-29T11:03:34+00:00","author":"autopackswe","twitter_card":"summary_large_image","twitter_misc":{"Escrit per":"autopackswe","Temps estimat de lectura":"3 minuts"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.pratsadvocats.com\/ca\/els-bancs-obligats-a-pagar-les-despeses-de-taxacio-dels-prestecs-hipotecaris\/#article","isPartOf":{"@id":"https:\/\/www.pratsadvocats.com\/ca\/els-bancs-obligats-a-pagar-les-despeses-de-taxacio-dels-prestecs-hipotecaris\/"},"author":{"name":"autopackswe","@id":"https:\/\/www.pratsadvocats.com\/ca\/#\/schema\/person\/63d0b29a22a5a09bc7d38dcd5e5b1ca3"},"headline":"Els bancs obligats a pagar les despeses de taxaci\u00f3 dels pr\u00e9stecs hipotecaris","datePublished":"2021-01-29T11:03:34+00:00","mainEntityOfPage":{"@id":"https:\/\/www.pratsadvocats.com\/ca\/els-bancs-obligats-a-pagar-les-despeses-de-taxacio-dels-prestecs-hipotecaris\/"},"wordCount":620,"image":{"@id":"https:\/\/www.pratsadvocats.com\/ca\/els-bancs-obligats-a-pagar-les-despeses-de-taxacio-dels-prestecs-hipotecaris\/#primaryimage"},"thumbnailUrl":"https:\/\/www.pratsadvocats.com\/wp-content\/uploads\/2021\/01\/Recupera-despeses-taxacio-hipoteca-Prats-Advocats.png","articleSection":["Destacades","Dret bancari"],"inLanguage":"ca"},{"@type":"WebPage","@id":"https:\/\/www.pratsadvocats.com\/ca\/els-bancs-obligats-a-pagar-les-despeses-de-taxacio-dels-prestecs-hipotecaris\/","url":"https:\/\/www.pratsadvocats.com\/ca\/els-bancs-obligats-a-pagar-les-despeses-de-taxacio-dels-prestecs-hipotecaris\/","name":"Els bancs obligats a pagar les despeses de taxaci\u00f3 dels pr\u00e9stecs hipotecaris - Prats Advocats","isPartOf":{"@id":"https:\/\/www.pratsadvocats.com\/ca\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.pratsadvocats.com\/ca\/els-bancs-obligats-a-pagar-les-despeses-de-taxacio-dels-prestecs-hipotecaris\/#primaryimage"},"image":{"@id":"https:\/\/www.pratsadvocats.com\/ca\/els-bancs-obligats-a-pagar-les-despeses-de-taxacio-dels-prestecs-hipotecaris\/#primaryimage"},"thumbnailUrl":"https:\/\/www.pratsadvocats.com\/wp-content\/uploads\/2021\/01\/Recupera-despeses-taxacio-hipoteca-Prats-Advocats.png","datePublished":"2021-01-29T11:03:34+00:00","author":{"@id":"https:\/\/www.pratsadvocats.com\/ca\/#\/schema\/person\/63d0b29a22a5a09bc7d38dcd5e5b1ca3"},"breadcrumb":{"@id":"https:\/\/www.pratsadvocats.com\/ca\/els-bancs-obligats-a-pagar-les-despeses-de-taxacio-dels-prestecs-hipotecaris\/#breadcrumb"},"inLanguage":"ca","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.pratsadvocats.com\/ca\/els-bancs-obligats-a-pagar-les-despeses-de-taxacio-dels-prestecs-hipotecaris\/"]}]},{"@type":"ImageObject","inLanguage":"ca","@id":"https:\/\/www.pratsadvocats.com\/ca\/els-bancs-obligats-a-pagar-les-despeses-de-taxacio-dels-prestecs-hipotecaris\/#primaryimage","url":"https:\/\/www.pratsadvocats.com\/wp-content\/uploads\/2021\/01\/Recupera-despeses-taxacio-hipoteca-Prats-Advocats.png","contentUrl":"https:\/\/www.pratsadvocats.com\/wp-content\/uploads\/2021\/01\/Recupera-despeses-taxacio-hipoteca-Prats-Advocats.png","width":940,"height":788},{"@type":"BreadcrumbList","@id":"https:\/\/www.pratsadvocats.com\/ca\/els-bancs-obligats-a-pagar-les-despeses-de-taxacio-dels-prestecs-hipotecaris\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Portada","item":"https:\/\/www.pratsadvocats.com\/ca\/"},{"@type":"ListItem","position":2,"name":"Els bancs obligats a pagar les despeses de taxaci\u00f3 dels pr\u00e9stecs hipotecaris"}]},{"@type":"WebSite","@id":"https:\/\/www.pratsadvocats.com\/ca\/#website","url":"https:\/\/www.pratsadvocats.com\/ca\/","name":"Prats Advocats","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.pratsadvocats.com\/ca\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"ca"},{"@type":"Person","@id":"https:\/\/www.pratsadvocats.com\/ca\/#\/schema\/person\/63d0b29a22a5a09bc7d38dcd5e5b1ca3","name":"autopackswe","url":"https:\/\/www.pratsadvocats.com\/ca\/author\/autopackswe\/"}]}},"_links":{"self":[{"href":"https:\/\/www.pratsadvocats.com\/ca\/wp-json\/wp\/v2\/posts\/3010","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.pratsadvocats.com\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.pratsadvocats.com\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.pratsadvocats.com\/ca\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.pratsadvocats.com\/ca\/wp-json\/wp\/v2\/comments?post=3010"}],"version-history":[{"count":0,"href":"https:\/\/www.pratsadvocats.com\/ca\/wp-json\/wp\/v2\/posts\/3010\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.pratsadvocats.com\/ca\/wp-json\/wp\/v2\/media\/3016"}],"wp:attachment":[{"href":"https:\/\/www.pratsadvocats.com\/ca\/wp-json\/wp\/v2\/media?parent=3010"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.pratsadvocats.com\/ca\/wp-json\/wp\/v2\/categories?post=3010"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.pratsadvocats.com\/ca\/wp-json\/wp\/v2\/tags?post=3010"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}