{"id":4724,"date":"2023-10-06T16:26:07","date_gmt":"2023-10-06T14:26:07","guid":{"rendered":"https:\/\/www.pratsadvocats.com\/?p=4724"},"modified":"2023-10-06T16:26:07","modified_gmt":"2023-10-06T14:26:07","slug":"%f0%9d%97%a3%f0%9d%97%bf%f0%9d%97%ae%f0%9d%98%81%f0%9d%98%80-%f0%9d%97%94%f0%9d%97%b1%f0%9d%98%83%f0%9d%97%bc%f0%9d%97%b0%f0%9d%97%ae%f0%9d%98%81%f0%9d%98%80-%f0%9d%98%82%f0%9d%98%80-%f0%9d%97%ae","status":"publish","type":"post","link":"https:\/\/www.pratsadvocats.com\/ca\/%f0%9d%97%a3%f0%9d%97%bf%f0%9d%97%ae%f0%9d%98%81%f0%9d%98%80-%f0%9d%97%94%f0%9d%97%b1%f0%9d%98%83%f0%9d%97%bc%f0%9d%97%b0%f0%9d%97%ae%f0%9d%98%81%f0%9d%98%80-%f0%9d%98%82%f0%9d%98%80-%f0%9d%97%ae\/","title":{"rendered":"Reclama les despeses hipotec\u00e0ries, el termini finalitza al gener de 2024"},"content":{"rendered":"<h4>Si vas formalitzar una hipoteca abans de 2019 encara pots reclamar les despeses de constituci\u00f3; per\u00f2 no badeu, cada vegada tenim m\u00e9s a prop el termini de prescripci\u00f3 d&#8217;aquesta acci\u00f3 (en primera inst\u00e0ncia, el 23 de gener de 2024)<\/h4>\n<p>Si no formalitzeu la reclamaci\u00f3 abans d&#8217;aquesta data, perdreu el vostre dret a reclamar els diners que us corresponen.<\/p>\n<p>Segons va establir el Tribunal Suprem, els consumidors poden reclamar les despeses hipotecaries pagades per la formalitzaci\u00f3 de la hipoteca per abusius i nuls.<\/p>\n<h3>El 23 de gener de 2024 finalitza el termini per la reclamaci\u00f3<\/h3>\n<p>A m\u00e9s, si vau pagar una comissi\u00f3 d&#8217;obertura per la vostra hipoteca tamb\u00e9 podreu reclamar si no us van explicar clarament quin era l&#8217;objecte d&#8217;aquesta comissi\u00f3 i les conseq\u00fc\u00e8ncies econ\u00f2miques. No obstante aix\u00f2, com ja us hem dit falten poc mesos per qu\u00e8 finalitzi el termini de reclamaci\u00f3 ven\u00e7 el 23 de gener del 2024, quan es compleixin els 5 anys de la declaraci\u00f3 d&#8217;abusivitat de la cl\u00e0usula per part del Suprem.<\/p>\n<p>En aquesta sent\u00e8ncia es va declarar el car\u00e0cter abusiu de la imposici\u00f3, per\u00f2 no es va determinar el percentatge de repartiment, despr\u00e9s d&#8217;un llarg cam\u00ed judicial, amb diverses sent\u00e8ncies del Tribunal Suprem, es va establir per fi que:<\/p>\n<ul>\n<li>S\u00f3n a c\u00e0rrec de l&#8217;entitat financera les despeses de Registre de la propietat, la gestoria i la taxaci\u00f3, aix\u00ed com la meitat de les despeses notarials.<\/li>\n<li>S\u00f3n a c\u00e0rrec del consumidor l&#8217;altra meitat de les despeses notarials i l&#8217;impost sobre actes jur\u00eddics documentats (AJD).<\/li>\n<\/ul>\n<h4>Reclama les cl\u00e0usules abusives<\/h4>\n<p>A m\u00e9s, si el teu contracte t\u00e9 altres cl\u00e0usules abusives, com ara IRPH o cl\u00e0usula s\u00f2l, tens la possibilitat de reclamar l&#8217;abusivitat de totes les cl\u00e0usules en un mateix procediment judicial. En aquest sentit, recordar\u00a0 que\u00a0tamb\u00e9 podreu tirar endavant amb aquest proc\u00e9s de reclamaci\u00f3 encara que hagueu renegociat la cl\u00e0usula i hagueu signat un acord amb el vostre banc renunciant a emprendre accions judicials.<\/p>\n<h4><strong>Reclameu ja!, Podeu recuperar les despeses del pr\u00e9stec hipotecari, fins i tot, encara que la hipoteca ja estigui cancel\u00b7lada o us hagueu venut l\u2019immoble.<\/strong><\/h4>\n<h3>A Prats Advocats defensarem els vostres interessos davant les entitats financeres.<\/h3>\n","protected":false},"excerpt":{"rendered":"<p>Si vas formalitzar una hipoteca abans de 2019 encara pots reclamar les despeses de constituci\u00f3; per\u00f2 no badeu, cada vegada tenim m\u00e9s a prop el termini de prescripci\u00f3 d&#8217;aquesta acci\u00f3 (en primera inst\u00e0ncia, el 23 de gener de 2024) Si no formalitzeu la reclamaci\u00f3 abans d&#8217;aquesta data, perdreu el vostre dret a reclamar els diners [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4725,"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-4724","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 - 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