{"id":71074,"date":"2023-11-02T10:22:43","date_gmt":"2023-11-02T09:22:43","guid":{"rendered":"https:\/\/lladogrup.com\/?p=71074"},"modified":"2023-11-06T10:13:40","modified_gmt":"2023-11-06T09:13:40","slug":"novedades-en-las-clausulas-irph","status":"publish","type":"post","link":"https:\/\/lladogrup.com\/es\/novedades-en-las-clausulas-irph\/","title":{"rendered":"Novedades en las cl\u00e1usulas IRPH"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row css=\u00bb.vc_custom_1631109896967{padding-bottom: 20px !important;}\u00bb][vc_column][vc_column_text]<\/p>\n<p style=\"text-align: justify;\"><strong>La nueva sentencia del Tribunal de Justicia de la Uni\u00f3n Europea (TJUE) sobre el IRPH, deja en manos de los tribunales espa\u00f1oles, dictaminar caso por caso la abusivadad de las hipotecas referenciadas a este controvertido \u00edndice debido a su m\u00e9todo de c\u00e1lculo.<\/strong><\/p>\n<p style=\"text-align: justify;\">El Tribunal de Justicia de la Uni\u00f3n Europea, da una serie de indicaciones para determinar la transparencia en los procesos de <strong>contrataci\u00f3n de pr\u00e9stamos hipotecarios<\/strong> que tengan <strong>cl\u00e1usulas vinculadas al IRPH<\/strong>. Se abre as\u00ed una nueva v\u00eda para que los consumidores perjudicados que puedan reclamar.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_btn title=\u00bbConoce nuestros servicios jur\u00eddics\u00bb color=\u00bbdanger\u00bb size=\u00bblg\u00bb align=\u00bbcenter\u00bb i_icon_fontawesome=\u00bbfas fa-mouse\u00bb add_icon=\u00bbtrue\u00bb link=\u00bburl:https%3A%2F%2Flladogrup.com%2Fes%2Fasesoria%2Fasesoria-legal-para-empresas%2F|target:_blank\u00bb css=\u00bb.vc_custom_1698666204403{margin-bottom: 40px !important;}\u00bb][\/vc_column][\/vc_row][vc_row][vc_column width=\u00bb2\/3&#8243;][vc_single_image image=\u00bb71083&#8243; img_size=\u00bbfull\u00bb add_caption=\u00bbyes\u00bb alignment=\u00bbcenter\u00bb][\/vc_column][vc_column width=\u00bb1\/3&#8243;]<div id=\"ultimate-heading-127869d398b3301ed\" class=\"uvc-heading ult-adjust-bottom-margin ultimate-heading-127869d398b3301ed uvc-4190  uvc-heading-default-font-sizes\" data-hspacer=\"no_spacer\"  data-halign=\"center\" style=\"text-align:center\"><div class=\"uvc-heading-spacer no_spacer\" style=\"top\"><\/div><div class=\"uvc-main-heading ult-responsive\"  data-ultimate-target='.uvc-heading.ultimate-heading-127869d398b3301ed h3'  data-responsive-json-new='{\"font-size\":\"\",\"line-height\":\"\"}' ><h3 style=\"font-weight:bold;color:#fe5d3a;margin-top:40px;margin-bottom:40px;\"> Subscr\u00edbete a nuestra newsletter<\/h3><\/div><\/div><p class=\"wpcf7-contact-form-not-found\"><strong>Error:<\/strong> Formulario de contacto no encontrado.<\/p>[\/vc_column][\/vc_row][vc_row css=\u00bb.vc_custom_1675250171834{padding-top: 20px !important;padding-bottom: 20px !important;}\u00bb][vc_column]<div id=\"ultimate-heading-617669d398b330498\" class=\"uvc-heading ult-adjust-bottom-margin ultimate-heading-617669d398b330498 uvc-4367 \" data-hspacer=\"no_spacer\"  data-halign=\"left\" style=\"text-align:left\"><div class=\"uvc-heading-spacer no_spacer\" style=\"top\"><\/div><div class=\"uvc-main-heading ult-responsive\"  data-ultimate-target='.uvc-heading.ultimate-heading-617669d398b330498 h2'  data-responsive-json-new='{\"font-size\":\"desktop:24px;\",\"line-height\":\"\"}' ><h2 style=\"font-weight:bold;color:#fe5d3a;margin-bottom:20px;\">\u00bfQu\u00e9 es el IRPH? <\/h2><\/div><\/div>[vc_column_text]El <strong>\u00cdndice de Referencia de los Pr\u00e9stamos Hipotecarios<\/strong> (IRPH) es un \u00edndice avalado por el Banco de Espa\u00f1a que tiene un funcionamiento similar al eur\u00edbor.<\/p>\n<p>La diferencia es que el <strong>IRPH<\/strong> se establece con el tipo medio al que las entidades colocaban sus hipotecas de m\u00e1s de tres a\u00f1os, de manera que sistem\u00e1ticamente se ha situado por encima del eur\u00edbor.[\/vc_column_text][\/vc_column][\/vc_row][vc_row css=\u00bb.vc_custom_1675250171834{padding-top: 20px !important;padding-bottom: 20px !important;}\u00bb][vc_column]<div id=\"ultimate-heading-531169d398b33051c\" class=\"uvc-heading ult-adjust-bottom-margin ultimate-heading-531169d398b33051c uvc-1531 \" data-hspacer=\"no_spacer\"  data-halign=\"left\" style=\"text-align:left\"><div class=\"uvc-heading-spacer no_spacer\" style=\"top\"><\/div><div class=\"uvc-main-heading ult-responsive\"  data-ultimate-target='.uvc-heading.ultimate-heading-531169d398b33051c h2'  data-responsive-json-new='{\"font-size\":\"desktop:24px;\",\"line-height\":\"\"}' ><h2 style=\"font-weight:bold;color:#fe5d3a;margin-bottom:20px;\">Por qu\u00e9 puede considerarse abusivo el IRPH <\/h2><\/div><\/div>[vc_column_text]<\/p>\n<p style=\"text-align: justify;\">El tribunal europeo considera que para apreciar la transparencia y el car\u00e1cter eventualmente <strong>abusivo del IRPH<\/strong> es pertinente la circular de 1994 del Banco de Espa\u00f1a, donde se se\u00f1ala la necesidad de aplicar al \u00edndice, dado su modo de c\u00e1lculo, un diferencial negativo a fin de igualarlo con el eur\u00edbor.<\/p>\n<p style=\"text-align: justify;\">Esta informaci\u00f3n debi\u00f3 ser trasladada al consumidor de forma adecuada y los jueces tendr\u00e1n que examinar si la mera referencia en las escrituras a la citada circular es suficiente. De esta manera, se ponen en duda la <strong>legalidad de las hipotecas con IRPH<\/strong> con diferencial positivo y habr\u00e1 que determinar la validez de cada caso concreto.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row css=\u00bb.vc_custom_1696351690182{background-color: #ffd1c9 !important;}\u00bb][vc_column][vc_row_inner][vc_column_inner width=\u00bb1\/2&#8243; css=\u00bb.vc_custom_1696352789117{margin-top: 70px !important;}\u00bb][vc_column_text css=\u00bb.vc_custom_1698666399395{margin-top: 100px !important;}\u00bb]<\/p>\n<h3 class=\"form-control second-textarea\" style=\"text-align: center;\">\u00bfTienes alguna duda?<\/h3>\n<p style=\"text-align: center;\">Somos un equipo de profesionales con experiencia en las <strong>reclamaciones de cl\u00e1usulas IRPH<\/strong>, inf\u00f3rmate sin compromiso.<\/p>\n<p style=\"text-align: center;\"><span style=\"color: #000000;\">Nos puedes contactar v\u00eda <strong>WhatsApp <a href=\"https:\/\/bit.ly\/38ZKw99\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-68407\" src=\"https:\/\/lladogrup.com\/wp-content\/uploads\/2023\/05\/logo-whatsapp-40x40-1.png\" alt=\"\" width=\"25\" height=\"25\" \/><\/a> <a style=\"color: #000000;\" href=\"https:\/\/bit.ly\/38ZKw99\" target=\"_blank\" rel=\"noopener\">aqu\u00ed<\/a><\/strong> o facilitarnos tus <strong>datos y contactaremos <\/strong>contigo.<\/span><\/p>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=\u00bb1\/2&#8243;]\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f4-o1\" lang=\"es-ES\" dir=\"ltr\" data-wpcf7-id=\"4\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/es\/wp-json\/wp\/v2\/posts\/71074#wpcf7-f4-o1\" method=\"post\" class=\"wpcf7-form init 98099fcddabd cmatic-conn cmatic-aud-0 cmatic-mapd0-0 cmatic-v0976 cmatic-sent-0 cmatic-total-529\" aria-label=\"Formulario de contacto\" 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class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Tu correo electr\u00f3nico\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span><\/label>\n<\/p>\n<p><label>Tel\u00e9fono*<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"llado-tel\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Tu Tel\u00e9fono\" value=\"\" type=\"tel\" name=\"llado-tel\" \/><\/span><\/label>\n<\/p>\n<p><label>Mensaje<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"llado-mensaje\"><textarea cols=\"40\" rows=\"5\" maxlength=\"2000\" class=\"wpcf7-form-control wpcf7-textarea wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Motivo de la consulta\" name=\"llado-mensaje\"><\/textarea><\/span><\/label>\n<\/p>\n<p><span class=\"wpcf7-form-control-wrap\" data-name=\"acceptance-272\"><span class=\"wpcf7-form-control wpcf7-acceptance\"><span class=\"wpcf7-list-item\"><input type=\"checkbox\" name=\"acceptance-272\" value=\"1\" aria-invalid=\"false\" \/><\/span><\/span><\/span> He le\u00eddo y acepto la <a href=\"https:\/\/lladogrup.com\/es\/politica-de-privacidad\/\">Pol\u00edtica de Privacidad<\/a>\n<\/p>\n<p><span class=\"wpcf7-form-control-wrap\" data-name=\"acceptance-423\"><span class=\"wpcf7-form-control wpcf7-acceptance optional\"><span class=\"wpcf7-list-item\"><input type=\"checkbox\" name=\"acceptance-423\" value=\"1\" aria-invalid=\"false\" \/><\/span><\/span><\/span> Acepto recibir informaci\u00f3n sobre las actividades, servicios y productos de Llad\u00f3 Grup Consultor.\n<\/p>\n<p><span style=\"margin-top: 10px;\"><\/span>\n<\/p>\n\n<p><span style=\"margin-bottom: 10px;\"><\/span>\n<\/p>\n<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"Enviar\" \/>\n<\/p><p style=\"display: none !important;\" class=\"akismet-fields-container\" data-prefix=\"_wpcf7_ak_\"><label>&#916;<textarea name=\"_wpcf7_ak_hp_textarea\" cols=\"45\" rows=\"8\" maxlength=\"100\"><\/textarea><\/label><input type=\"hidden\" id=\"ak_js_1\" name=\"_wpcf7_ak_js\" value=\"173\"\/><script>document.getElementById( \"ak_js_1\" ).setAttribute( \"value\", ( new Date() ).getTime() );<\/script><\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n[\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=\u00bb.vc_custom_1675250171834{padding-top: 20px !important;padding-bottom: 20px !important;}\u00bb][vc_column]<div id=\"ultimate-heading-493069d398b3319ee\" class=\"uvc-heading ult-adjust-bottom-margin ultimate-heading-493069d398b3319ee uvc-8694 \" data-hspacer=\"no_spacer\"  data-halign=\"left\" style=\"text-align:left\"><div class=\"uvc-heading-spacer no_spacer\" style=\"top\"><\/div><div class=\"uvc-main-heading ult-responsive\"  data-ultimate-target='.uvc-heading.ultimate-heading-493069d398b3319ee h2'  data-responsive-json-new='{\"font-size\":\"desktop:24px;\",\"line-height\":\"\"}' ><h2 style=\"font-weight:bold;color:#fe5d3a;margin-bottom:20px;\">\u00bfQu\u00e9 pueden reclamar las personas con hipotecas ligadas al IRPH? <\/h2><\/div><\/div>[vc_column_text]<\/p>\n<p style=\"text-align: justify;\">Pueden reclamar todas aquellas personas con <strong>hipotecas ligadas al IRPH sin diferencial negativo<\/strong>, debido a no haberse igualado el tipo de inter\u00e9s con el del mercado y no haber recibido una informaci\u00f3n clara y transparente al respecto.<\/p>\n<p style=\"text-align: justify;\">Si obtiene la raz\u00f3n judicialmente, el consumidor puede llegar a recuperar el dinero abonado de m\u00e1s y los intereses legales.<\/p>\n<p style=\"text-align: justify;\">El TJUE considera que los tribunales espa\u00f1oles deben asegurarse de que el cliente est\u00e1 \u201cbien informado\u201d y es \u201cconsciente\u201d del m\u00e9todo de c\u00e1lculo del \u00edndice. Considera que el tribunal espa\u00f1ol deber\u00eda \u201cdeterminar\u201d la importancia para los consumidores de tener la informaci\u00f3n sobre el \u00edndice.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row css=\u00bb.vc_custom_1675250171834{padding-top: 20px !important;padding-bottom: 20px !important;}\u00bb][vc_column]<div id=\"ultimate-heading-101069d398b331a87\" class=\"uvc-heading ult-adjust-bottom-margin ultimate-heading-101069d398b331a87 uvc-6012 \" data-hspacer=\"no_spacer\"  data-halign=\"left\" style=\"text-align:left\"><div class=\"uvc-heading-spacer no_spacer\" style=\"top\"><\/div><div class=\"uvc-main-heading ult-responsive\"  data-ultimate-target='.uvc-heading.ultimate-heading-101069d398b331a87 h2'  data-responsive-json-new='{\"font-size\":\"desktop:24px;\",\"line-height\":\"\"}' ><h2 style=\"font-weight:bold;color:#fe5d3a;margin-bottom:20px;\">\u00bfQu\u00e9 opinan los expertos de Llad\u00f3 Grup Consultor? <\/h2><\/div><\/div>[vc_column_text]<\/p>\n<p style=\"text-align: justify;\">Desde Llad\u00f3 Grup Consultor consideramos ajustado a derecho y a la corriente jurisprudencial la <strong>reclamaci\u00f3n de la cl\u00e1usula del IRPH<\/strong> si bien es preciso analizar caso por caso para determinar si concurren los requisitos que ha ido estableciendo la Jurisprudencia para su reclamaci\u00f3n con \u00e9xito.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row css=\u00bb.vc_custom_1669219009705{margin-top: 20px !important;padding-bottom: 20px !important;}\u00bb][vc_column][vc_column_text]En <strong>Llad\u00f3 Grup Consultor<\/strong> disponemos de un equipo de abogados <strong>especializados en las reclamaciones de las cl\u00e1usulas IRPH<\/strong>, que le acompa\u00f1ar\u00e1 y asesorar\u00e1 en todo el procedimiento.[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row css=\u00bb.vc_custom_1631109896967{padding-bottom: 20px !important;}\u00bb][vc_column][vc_column_text] La nueva sentencia del Tribunal de Justicia de la Uni\u00f3n Europea (TJUE) sobre el IRPH, deja en manos de los tribunales espa\u00f1oles, dictaminar caso por caso la abusivadad de las hipotecas referenciadas a este controvertido \u00edndice debido a su m\u00e9todo de c\u00e1lculo. El Tribunal de Justicia de la Uni\u00f3n Europea, da&hellip;<\/p>\n","protected":false},"author":2,"featured_media":71079,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_joinchat":[],"footnotes":""},"categories":[614,613,615,623,616,617],"tags":[],"class_list":["post-71074","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-autonomos","category-clientes","category-gran-empresa-es","category-juridico","category-particulares","category-pymes","category-614","category-613","category-615","category-623","category-616","category-617","description-off"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Novedades en las cl\u00e1usulas IRPH -Llad\u00f3 Grup-<\/title>\n<meta name=\"description\" content=\"La nueva sentencia del Tribunal de Justicia de la Uni\u00f3n Europea (TJUE) sobre el IRPH, abre una 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