{"id":4596,"date":"2023-05-03T17:47:31","date_gmt":"2023-05-03T15:47:31","guid":{"rendered":"https:\/\/www.pratsadvocats.com\/?p=4596"},"modified":"2023-05-03T17:47:31","modified_gmt":"2023-05-03T15:47:31","slug":"una-clausula-abusiva-a-la-teva-hipoteca-en-prats-advocats-tajudem-a-reclamar-els-diners-pagats-de-mes","status":"publish","type":"post","link":"https:\/\/www.pratsadvocats.com\/ca\/una-clausula-abusiva-a-la-teva-hipoteca-en-prats-advocats-tajudem-a-reclamar-els-diners-pagats-de-mes\/","title":{"rendered":"Una cl\u00e0usula abusiva a la teva hipoteca? En Prats Advocats t&#8217;ajudem a reclamar els diners pagats de m\u00e9s"},"content":{"rendered":"<h3>La compra d&#8217;un pis acostuma a ser, per a la gran majoria de la societat, la inversi\u00f3 m\u00e9s gran que far\u00e0 en la seva vida. Tot i la import\u00e0ncia d&#8217;aquesta compra, no sempre es realitza correctament informat del que s&#8217;est\u00e0 signant; per aix\u00f2, molt sovint ens trobem amb una hipoteca que est\u00e0 subjecta a tot un seguit de condicionants, les anomenades cl\u00e0usules abusives, que ens portem a pagar m\u00e9s diners dels que realment tocaria.<\/h3>\n<p>A Prats Advocats, despatx d&#8217;advocats especialitzat en dret bancari, comptem amb un equip de professionals de l&#8217;advocacia, que t&#8217;assessorar\u00e0, informar\u00e0\u00a0 i acompanyar\u00e0 en tot el proc\u00e9s de reclamaci\u00f3i dels diners pagats de m\u00e9s com a conseq\u00fc\u00e8ncia de les anomenades cl\u00e0usules abusives<\/p>\n<h3>Qu\u00e8 s\u00f3n les cl\u00e0usules abusives en una hipoteca?<\/h3>\n<p>B\u00e0sicament, una cl\u00e0usula abusiva \u00e9s aquella l&#8217;exist\u00e8ncia de la qual no ha estat negociada amb el client de forma individual. La normativa oficial utilitzada per determinar la irregularitat d&#8217;una cl\u00e0usula es recull a la<a href=\"https:\/\/www.boe.es\/doue\/1993\/095\/L00029-00034.pdf\"> Directiva 93\/13\/CEE del Consell<\/a>, de 5 d&#8217;abril de 1993, sobre les cl\u00e0usules abusives als contractes subscrits amb consumidors, aix\u00ed com a la Llei General per a la Defensa dels Consumidors i Usuaris. El car\u00e0cter abusiu duna cl\u00e0usula hipotec\u00e0ria ha de ser dictaminat per un jutge.<\/p>\n<h3>Quin tipus de cl\u00e0usules hipotec\u00e0ries es poden declarar nul\u00b7les?<\/h3>\n<ul>\n<li>\n<h4>Cl\u00e0usula de s\u00f2l<\/h4>\n<\/li>\n<\/ul>\n<p>Potser la \u201cm\u00e9s popular\u201d de totes, encara que no \u00e9s l&#8217;\u00fanica. Aquesta cl\u00e0usula \u00e9s aquella en qu\u00e8 el banc estableix un inter\u00e8s m\u00ednim (s\u00f2l) de tipus fix encara que el pr\u00e9stec \u00e9s a tipus variable. Aix\u00ed, encara que el nivell de refer\u00e8ncia hipotec\u00e0ria (normalment l&#8217;Euribor) se n&#8217;an\u00e9s a m\u00ednims, el banc aplicava la cl\u00e0usula s\u00f2l per no perdre beneficis. Les hipoteques no baixaven malgrat estar vinculades a una refer\u00e8ncia que s\u00ed que ho feia.<\/p>\n<ul>\n<li>\n<h4>Cl\u00e0usula d&#8217;interessos de demora<\/h4>\n<\/li>\n<\/ul>\n<p>Els bancs solien aplicar als seus contractes d&#8217;hipoteca interessos de demora molt alts, des del 16% .\u00a0 Tant les Audi\u00e8ncies Provincials com el Tribunal Suprem van declarar abusius aquests percentatges. Actualment, els interessos de demora acordats en un pr\u00e9stec hipotecari no poden superar tres cops l&#8217;inter\u00e8s legal dels diners.<\/p>\n<ul>\n<li>\n<h4>Cl\u00e0usula de venciment anticipat<\/h4>\n<\/li>\n<\/ul>\n<p>Aquesta cl\u00e0usula permet al banc donar per finalitzat el contracte i iniciar el proc\u00e9s d&#8217;embargament quan l&#8217;hipotecat no paga diverses quotes. En el passat, els bancs podien activar aquesta cl\u00e0usula encara que el client s&#8217;endarrer\u00eds amb el pagament d&#8217;una sola quota. Actualment, les entitats financeres nom\u00e9s poden embargar un habitatge si l&#8217;hipotecat deixa de pagar un m\u00ednim de 12 quotes.<\/p>\n<ul>\n<li>\n<h4>Cl\u00e0usula sobre despeses de la hipoteca<\/h4>\n<\/li>\n<\/ul>\n<p>El Tribunal Suprem va declarar abusiva aquesta cl\u00e0usula el 2015, que responsabilitzava el client a pagar totes les despeses relacionades amb l&#8217;escriptura del pr\u00e9stec hipotecari. Entre d&#8217;altres, el client havia d&#8217;assumir els costos de gestoria, notaria, taxaci\u00f3 de vivenda i impost sobre actes jur\u00eddics documentats. (IAJD).<br \/>\nEl repartiment actual \u00e9s el seg\u00fcent: not\u00e0ria al 50% entre ambdues parts, i el banc ha de sufragar les despeses de Registre de la Propietat ja que \u00e9s l&#8217;interessat que la hipoteca quedi anotada com a c\u00e0rrega al Registre, Taxaci\u00f3 doncs \u00e9s requisit per donar forma al contracte, i despeses de gesti\u00f3.<\/p>\n<ul>\n<li>\n<h4>Cl\u00e0usula sobre la comissi\u00f3 d&#8217;obertura<\/h4>\n<\/li>\n<\/ul>\n<p>El Tribunal de Just\u00edcia de la Uni\u00f3 Europea (TJUE) ha sentenciat (16 de mar\u00e7 del 2023 assumpte C-565\/21 contra Caixabank) que la comissi\u00f3 d&#8217;obertura d&#8217;un cr\u00e8dit o hipoteca no forma part de l&#8217;objecte principal d&#8217;un contracte. Una sent\u00e8ncia que deixa oberta la possibilitat que pugui ser considerada com a cl\u00e0usula abusiva. En qualsevol cas, haur\u00e0 de ser un jutge qui hagi de comprovar en cada cas lexist\u00e8ncia daquest ab\u00fas.<\/p>\n<ul>\n<li>\n<h4>Com reclamar les cl\u00e0usules abusives?<\/h4>\n<\/li>\n<\/ul>\n<p>Reclamar davant de les oficines d&#8217;atenci\u00f3 al client de l&#8217;entitat financera mitjan\u00e7ant un model de reclam de cl\u00e0usules abusives. \u00c9s necessari explicar al banc la situaci\u00f3 i exigir l&#8217;eliminaci\u00f3 de la cl\u00e0usula. Aquesta \u00e9s la via m\u00e9s r\u00e0pida, ja que el banc t\u00e9 un mes per respondre-hi. Tot i aix\u00f2, les respostes a aquestes sol\u00b7licituds solen ser negatives.<\/p>\n<p>Portar el banc als tribunals \u00e9s la segona opci\u00f3. Despr\u00e9s de posar la demanda al jutjat corresponent, el jutge analitza el cas i, si considera abusiva la cl\u00e0usula, ordenar\u00e0 a l&#8217;entitat que l&#8217;elimini del contracte. No obstant aix\u00f2, cal tenir en compte que aquest proc\u00e9s es pot demorar mesos o fins i tot anys si el banc presenta recursos a inst\u00e0ncies superiors.<\/p>\n<p>Una tercera opci\u00f3 \u00e9s negociar un pacte extrajudicial amb l&#8217;entitat financera. Per fer-ho, cal l&#8217;assessoria d&#8217;un expert legal que serveixi d&#8217;intermediari entre les parts i arribi a un acord amb el banc.<\/p>\n<h3><\/h3>\n<h3>Prats Advocats, comptem amb una llarga llista de casos d&#8217;\u00e8xit en la reclamaci\u00f3 de cl\u00e0usules abusives. Truca&#8217;ns, posarem tota la nostra professionalitat i experi\u00e8ncia en la reclamaci\u00f3 de la cl\u00e0usula abusiva<\/h3>\n","protected":false},"excerpt":{"rendered":"<p>La compra d&#8217;un pis acostuma a ser, per a la gran majoria de la societat, la inversi\u00f3 m\u00e9s gran que far\u00e0 en la seva vida. Tot i la import\u00e0ncia d&#8217;aquesta compra, no sempre es realitza correctament informat del que s&#8217;est\u00e0 signant; per aix\u00f2, molt sovint ens trobem amb una hipoteca que est\u00e0 subjecta a tot [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2547,"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-4596","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>Una cl\u00e0usula abusiva a la teva hipoteca? En Prats Advocats t&#039;ajudem a reclamar els diners pagats de m\u00e9s - 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\/una-clausula-abusiva-a-la-teva-hipoteca-en-prats-advocats-tajudem-a-reclamar-els-diners-pagats-de-mes\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Una cl\u00e0usula abusiva a la teva hipoteca? En Prats Advocats t&#039;ajudem a reclamar els diners pagats de m\u00e9s - Prats Advocats\" \/>\n<meta property=\"og:description\" content=\"La compra d&#8217;un pis acostuma a ser, per a la gran majoria de la societat, la inversi\u00f3 m\u00e9s gran que far\u00e0 en la seva vida. Tot i la import\u00e0ncia d&#8217;aquesta compra, no sempre es realitza correctament informat del que s&#8217;est\u00e0 signant; per aix\u00f2, molt sovint ens trobem amb una hipoteca que est\u00e0 subjecta a tot [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.pratsadvocats.com\/ca\/una-clausula-abusiva-a-la-teva-hipoteca-en-prats-advocats-tajudem-a-reclamar-els-diners-pagats-de-mes\/\" \/>\n<meta property=\"og:site_name\" content=\"Prats Advocats\" \/>\n<meta property=\"article:published_time\" content=\"2023-05-03T15:47:31+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\/una-clausula-abusiva-a-la-teva-hipoteca-en-prats-advocats-tajudem-a-reclamar-els-diners-pagats-de-mes\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.pratsadvocats.com\/ca\/una-clausula-abusiva-a-la-teva-hipoteca-en-prats-advocats-tajudem-a-reclamar-els-diners-pagats-de-mes\/\"},\"author\":{\"name\":\"autopackswe\",\"@id\":\"https:\/\/www.pratsadvocats.com\/ca\/#\/schema\/person\/63d0b29a22a5a09bc7d38dcd5e5b1ca3\"},\"headline\":\"Una cl\u00e0usula abusiva a la teva hipoteca? En Prats Advocats t&#8217;ajudem a reclamar els diners pagats de m\u00e9s\",\"datePublished\":\"2023-05-03T15:47:31+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.pratsadvocats.com\/ca\/una-clausula-abusiva-a-la-teva-hipoteca-en-prats-advocats-tajudem-a-reclamar-els-diners-pagats-de-mes\/\"},\"wordCount\":899,\"image\":{\"@id\":\"https:\/\/www.pratsadvocats.com\/ca\/una-clausula-abusiva-a-la-teva-hipoteca-en-prats-advocats-tajudem-a-reclamar-els-diners-pagats-de-mes\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.pratsadvocats.com\/wp-content\/uploads\/2020\/01\/Prats-Advocats-especilistes-en-dret-bancari-reclamacio-clausula-sol-pacte-novacio.png\",\"articleSection\":[\"Destacades\",\"Dret bancari\"],\"inLanguage\":\"ca\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.pratsadvocats.com\/ca\/una-clausula-abusiva-a-la-teva-hipoteca-en-prats-advocats-tajudem-a-reclamar-els-diners-pagats-de-mes\/\",\"url\":\"https:\/\/www.pratsadvocats.com\/ca\/una-clausula-abusiva-a-la-teva-hipoteca-en-prats-advocats-tajudem-a-reclamar-els-diners-pagats-de-mes\/\",\"name\":\"Una cl\u00e0usula abusiva a la teva hipoteca? En Prats Advocats t'ajudem a reclamar els diners pagats de m\u00e9s - Prats Advocats\",\"isPartOf\":{\"@id\":\"https:\/\/www.pratsadvocats.com\/ca\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.pratsadvocats.com\/ca\/una-clausula-abusiva-a-la-teva-hipoteca-en-prats-advocats-tajudem-a-reclamar-els-diners-pagats-de-mes\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.pratsadvocats.com\/ca\/una-clausula-abusiva-a-la-teva-hipoteca-en-prats-advocats-tajudem-a-reclamar-els-diners-pagats-de-mes\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.pratsadvocats.com\/wp-content\/uploads\/2020\/01\/Prats-Advocats-especilistes-en-dret-bancari-reclamacio-clausula-sol-pacte-novacio.png\",\"datePublished\":\"2023-05-03T15:47:31+00:00\",\"author\":{\"@id\":\"https:\/\/www.pratsadvocats.com\/ca\/#\/schema\/person\/63d0b29a22a5a09bc7d38dcd5e5b1ca3\"},\"breadcrumb\":{\"@id\":\"https:\/\/www.pratsadvocats.com\/ca\/una-clausula-abusiva-a-la-teva-hipoteca-en-prats-advocats-tajudem-a-reclamar-els-diners-pagats-de-mes\/#breadcrumb\"},\"inLanguage\":\"ca\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.pratsadvocats.com\/ca\/una-clausula-abusiva-a-la-teva-hipoteca-en-prats-advocats-tajudem-a-reclamar-els-diners-pagats-de-mes\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"ca\",\"@id\":\"https:\/\/www.pratsadvocats.com\/ca\/una-clausula-abusiva-a-la-teva-hipoteca-en-prats-advocats-tajudem-a-reclamar-els-diners-pagats-de-mes\/#primaryimage\",\"url\":\"https:\/\/www.pratsadvocats.com\/wp-content\/uploads\/2020\/01\/Prats-Advocats-especilistes-en-dret-bancari-reclamacio-clausula-sol-pacte-novacio.png\",\"contentUrl\":\"https:\/\/www.pratsadvocats.com\/wp-content\/uploads\/2020\/01\/Prats-Advocats-especilistes-en-dret-bancari-reclamacio-clausula-sol-pacte-novacio.png\",\"width\":940,\"height\":788},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.pratsadvocats.com\/ca\/una-clausula-abusiva-a-la-teva-hipoteca-en-prats-advocats-tajudem-a-reclamar-els-diners-pagats-de-mes\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Portada\",\"item\":\"https:\/\/www.pratsadvocats.com\/ca\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Una cl\u00e0usula abusiva a la teva hipoteca? En Prats Advocats t&#8217;ajudem a reclamar els diners pagats de m\u00e9s\"}]},{\"@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":"Una cl\u00e0usula abusiva a la teva hipoteca? En Prats Advocats t'ajudem a reclamar els diners pagats de m\u00e9s - 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\/una-clausula-abusiva-a-la-teva-hipoteca-en-prats-advocats-tajudem-a-reclamar-els-diners-pagats-de-mes\/","og_locale":"ca_ES","og_type":"article","og_title":"Una cl\u00e0usula abusiva a la teva hipoteca? En Prats Advocats t'ajudem a reclamar els diners pagats de m\u00e9s - Prats Advocats","og_description":"La compra d&#8217;un pis acostuma a ser, per a la gran majoria de la societat, la inversi\u00f3 m\u00e9s gran que far\u00e0 en la seva vida. Tot i la import\u00e0ncia d&#8217;aquesta compra, no sempre es realitza correctament informat del que s&#8217;est\u00e0 signant; per aix\u00f2, molt sovint ens trobem amb una hipoteca que est\u00e0 subjecta a tot [&hellip;]","og_url":"https:\/\/www.pratsadvocats.com\/ca\/una-clausula-abusiva-a-la-teva-hipoteca-en-prats-advocats-tajudem-a-reclamar-els-diners-pagats-de-mes\/","og_site_name":"Prats Advocats","article_published_time":"2023-05-03T15:47:31+00:00","author":"autopackswe","twitter_card":"summary_large_image","twitter_misc":{"Escrit per":"autopackswe","Temps estimat de lectura":"4 minuts"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.pratsadvocats.com\/ca\/una-clausula-abusiva-a-la-teva-hipoteca-en-prats-advocats-tajudem-a-reclamar-els-diners-pagats-de-mes\/#article","isPartOf":{"@id":"https:\/\/www.pratsadvocats.com\/ca\/una-clausula-abusiva-a-la-teva-hipoteca-en-prats-advocats-tajudem-a-reclamar-els-diners-pagats-de-mes\/"},"author":{"name":"autopackswe","@id":"https:\/\/www.pratsadvocats.com\/ca\/#\/schema\/person\/63d0b29a22a5a09bc7d38dcd5e5b1ca3"},"headline":"Una cl\u00e0usula abusiva a la teva hipoteca? En Prats Advocats t&#8217;ajudem a reclamar els diners pagats de m\u00e9s","datePublished":"2023-05-03T15:47:31+00:00","mainEntityOfPage":{"@id":"https:\/\/www.pratsadvocats.com\/ca\/una-clausula-abusiva-a-la-teva-hipoteca-en-prats-advocats-tajudem-a-reclamar-els-diners-pagats-de-mes\/"},"wordCount":899,"image":{"@id":"https:\/\/www.pratsadvocats.com\/ca\/una-clausula-abusiva-a-la-teva-hipoteca-en-prats-advocats-tajudem-a-reclamar-els-diners-pagats-de-mes\/#primaryimage"},"thumbnailUrl":"https:\/\/www.pratsadvocats.com\/wp-content\/uploads\/2020\/01\/Prats-Advocats-especilistes-en-dret-bancari-reclamacio-clausula-sol-pacte-novacio.png","articleSection":["Destacades","Dret bancari"],"inLanguage":"ca"},{"@type":"WebPage","@id":"https:\/\/www.pratsadvocats.com\/ca\/una-clausula-abusiva-a-la-teva-hipoteca-en-prats-advocats-tajudem-a-reclamar-els-diners-pagats-de-mes\/","url":"https:\/\/www.pratsadvocats.com\/ca\/una-clausula-abusiva-a-la-teva-hipoteca-en-prats-advocats-tajudem-a-reclamar-els-diners-pagats-de-mes\/","name":"Una cl\u00e0usula abusiva a la teva hipoteca? En Prats Advocats t'ajudem a reclamar els diners pagats de m\u00e9s - Prats Advocats","isPartOf":{"@id":"https:\/\/www.pratsadvocats.com\/ca\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.pratsadvocats.com\/ca\/una-clausula-abusiva-a-la-teva-hipoteca-en-prats-advocats-tajudem-a-reclamar-els-diners-pagats-de-mes\/#primaryimage"},"image":{"@id":"https:\/\/www.pratsadvocats.com\/ca\/una-clausula-abusiva-a-la-teva-hipoteca-en-prats-advocats-tajudem-a-reclamar-els-diners-pagats-de-mes\/#primaryimage"},"thumbnailUrl":"https:\/\/www.pratsadvocats.com\/wp-content\/uploads\/2020\/01\/Prats-Advocats-especilistes-en-dret-bancari-reclamacio-clausula-sol-pacte-novacio.png","datePublished":"2023-05-03T15:47:31+00:00","author":{"@id":"https:\/\/www.pratsadvocats.com\/ca\/#\/schema\/person\/63d0b29a22a5a09bc7d38dcd5e5b1ca3"},"breadcrumb":{"@id":"https:\/\/www.pratsadvocats.com\/ca\/una-clausula-abusiva-a-la-teva-hipoteca-en-prats-advocats-tajudem-a-reclamar-els-diners-pagats-de-mes\/#breadcrumb"},"inLanguage":"ca","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.pratsadvocats.com\/ca\/una-clausula-abusiva-a-la-teva-hipoteca-en-prats-advocats-tajudem-a-reclamar-els-diners-pagats-de-mes\/"]}]},{"@type":"ImageObject","inLanguage":"ca","@id":"https:\/\/www.pratsadvocats.com\/ca\/una-clausula-abusiva-a-la-teva-hipoteca-en-prats-advocats-tajudem-a-reclamar-els-diners-pagats-de-mes\/#primaryimage","url":"https:\/\/www.pratsadvocats.com\/wp-content\/uploads\/2020\/01\/Prats-Advocats-especilistes-en-dret-bancari-reclamacio-clausula-sol-pacte-novacio.png","contentUrl":"https:\/\/www.pratsadvocats.com\/wp-content\/uploads\/2020\/01\/Prats-Advocats-especilistes-en-dret-bancari-reclamacio-clausula-sol-pacte-novacio.png","width":940,"height":788},{"@type":"BreadcrumbList","@id":"https:\/\/www.pratsadvocats.com\/ca\/una-clausula-abusiva-a-la-teva-hipoteca-en-prats-advocats-tajudem-a-reclamar-els-diners-pagats-de-mes\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Portada","item":"https:\/\/www.pratsadvocats.com\/ca\/"},{"@type":"ListItem","position":2,"name":"Una cl\u00e0usula abusiva a la teva hipoteca? En Prats Advocats t&#8217;ajudem a reclamar els diners pagats de m\u00e9s"}]},{"@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\/4596","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=4596"}],"version-history":[{"count":0,"href":"https:\/\/www.pratsadvocats.com\/ca\/wp-json\/wp\/v2\/posts\/4596\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.pratsadvocats.com\/ca\/wp-json\/wp\/v2\/media\/2547"}],"wp:attachment":[{"href":"https:\/\/www.pratsadvocats.com\/ca\/wp-json\/wp\/v2\/media?parent=4596"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.pratsadvocats.com\/ca\/wp-json\/wp\/v2\/categories?post=4596"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.pratsadvocats.com\/ca\/wp-json\/wp\/v2\/tags?post=4596"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}