{"id":11320,"date":"2018-01-05T08:29:47","date_gmt":"2018-01-05T07:29:47","guid":{"rendered":"https:\/\/maluquer-g470gg9hdv.live-website.com\/publicaciones\/clausulas-suelo-en-prestamos-hipotecarios\/"},"modified":"2025-12-22T22:46:21","modified_gmt":"2025-12-22T21:46:21","slug":"clausulas-suelo-en-prestamos-hipotecarios","status":"publish","type":"post","link":"https:\/\/maluquerabogados.com\/ca\/publicaciones\/clausulas-suelo-en-prestamos-hipotecarios\/","title":{"rendered":"Cl\u00e1usulas suelo en pr\u00e9stamos hipotecarios"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Maluquer Advocats, le asesora legalmente<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Como ya hemos comentado en&nbsp;<strong>anteriores posts<\/strong>&nbsp;sobre cl\u00e1usulas abusivas, la sentencia del&nbsp;<a href=\"http:\/\/curia.europa.eu\/juris\/document\/document.jsf;jsessionid=9ea7d2dc30d560d76121420a49d08e60a76b44f581ce.e34KaxiLc3qMb40Rch0SaxyKbx10?text=&amp;docid=186483&amp;pageIndex=0&amp;doclang=ES&amp;mode=req&amp;dir=&amp;occ=first&amp;part=1&amp;cid=655597\" target=\"_blank\" rel=\"noreferrer noopener\">Tribunal Superior de Justicia de la Uni\u00f3n Europea (TJUE) del 21 de diciembre de 2016<\/a>&nbsp;resuelve varias cuestiones planteadas por tribunales espa\u00f1oles e indica que&nbsp;<strong>no cabe limitar los efectos&nbsp;<\/strong>de la nulidad de la cl\u00e1usula suelo a la devoluci\u00f3n de las cantidades pagadas por el consumidor a partir de una determinada fecha, en contra de lo que hab\u00eda establecido nuestro Tribunal Supremo, que fij\u00f3 esa fecha en el d\u00eda&nbsp;<a href=\"http:\/\/www.poderjudicial.es\/search\/documento\/TS\/6703660\/Clausulas%20abusivas\/20130510\" target=\"_blank\" rel=\"noreferrer noopener\">9 de mayo de 2013<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><br>En consecuencia, la mencionada sentencia del&nbsp;<strong>TJUE abre a los consumidores la posibilidad de reclamar la devoluci\u00f3n de todas las cantidades que pagaron de m\u00e1s por efecto de las cl\u00e1usulas suelo<\/strong>, es decir, la diferencia entre las cantidades que hubieran debido pagar en concepto de intereses remuneratorios seg\u00fan el tipo de inter\u00e9s convenido en la escritura de pr\u00e9stamo hipotecario y las que efectivamente pagaron por aplicaci\u00f3n de la cl\u00e1usula suelo.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Para dar cauce a las reclamaciones e intentar que, en la medida de lo posible, estas no se planteen directamente ante los tribunales, el Gobierno ha aprobado el&nbsp;<a href=\"https:\/\/www.boe.es\/diario_boe\/txt.php?id=BOE-A-2017-653\" target=\"_blank\" rel=\"noreferrer noopener\">Real Decreto Ley 1\/2017<\/a>, de 20 de enero, de medidas urgentes de protecci\u00f3n de consumidores en materia de cl\u00e1usulas suelo. En \u00e9ste&nbsp; tambi\u00e9n se regulan los&nbsp;<strong>efectos fiscales de las devoluciones que se realicen.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>El procedimiento de devoluci\u00f3n<\/strong>&nbsp;establecido en dicha norma 2017&nbsp;<strong>es voluntario para el consumidor<\/strong>, que puede optar por acudir a \u00e9l y presentar su reclamaci\u00f3n en la entidad de cr\u00e9dito, o&nbsp; hacerlo directamente a los tribunales.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Conscientes de las preocupaciones de los usuarios de pr\u00e9stamos bancarios sobre esta particular\u00a0cuesti\u00f3n,\u00a0<strong>Maluquer Advocats\u00a0pone a disposici\u00f3n de las personas interesadas, su amplia experiencia en el \u00e1mbito del derecho bancario y de la defensa de los consumidores.\u00a0<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le asistiremos en el proceso de negociaci\u00f3n con la entidad financiera, si as\u00ed lo desea, o en el caso de que nos encargue la defensa de una eventual acci\u00f3n judicial&nbsp; de reclamaci\u00f3n, estudiaremos su caso y examinaremos las condiciones de su hipoteca para determinar, si procede, la devoluci\u00f3n de las cantidades pagadas indebidamente.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A fin de ilustrar el efecto de la existencia de una cl\u00e1usula suelo, adjuntamos una sencilla simulaci\u00f3n considerando un a\u00f1o de vida del pr\u00e9stamo o cr\u00e9dito hipotecario.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Es importante se\u00f1alar y tener en cuenta que\u00a0<strong>cada caso precisa de su c\u00e1lculo particularizado para determinar la suma pagada en exceso<\/strong>.<\/h4>\n","protected":false},"excerpt":{"rendered":"<p>Maluquer Advocats, le asesora legalmente Como ya hemos comentado en&nbsp;anteriores posts&nbsp;sobre cl\u00e1usulas abusivas, la sentencia del&nbsp;Tribunal Superior de Justicia de la Uni\u00f3n Europea (TJUE) del 21 de diciembre de 2016&nbsp;resuelve varias cuestiones planteadas por tribunales espa\u00f1oles e indica que&nbsp;no cabe limitar los efectos&nbsp;de la nulidad de la cl\u00e1usula suelo a la devoluci\u00f3n de las cantidades [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":11420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1068],"tags":[],"class_list":["post-11320","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-dret-bancari-i-financer"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Cl\u00e1usulas suelo en pr\u00e9stamos hipotecarios | Maluquer Advocats<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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