{"id":4825,"date":"2026-06-30T18:09:06","date_gmt":"2026-06-30T18:09:06","guid":{"rendered":"https:\/\/staging.atoabogados.com\/?page_id=4825"},"modified":"2026-07-10T16:10:09","modified_gmt":"2026-07-10T16:10:09","slug":"reclamar-indice-de-referencia-de-prestamos-hipotecarios-irph-de-la-hipoteca","status":"publish","type":"page","link":"https:\/\/staging.atoabogados.com\/?page_id=4825","title":{"rendered":"Reclamar \u00cdndice de Referencia de Pr\u00e9stamos Hipotecarios IRPH de la hipoteca"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"4825\" class=\"elementor elementor-4825\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f0698a8 e-con e-atomic-element e-flexbox-base e-22b36fc \" data-id=\"f0698a8\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"f0698a8\" data-e-type=\"e-flexbox\" data-id=\"f0698a8\">\n    <div class=\"elementor-element elementor-element-b040ce5 e-flex e-con-boxed e-con e-parent\" data-id=\"b040ce5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d1b220b elementor-widget elementor-widget-heading\" data-id=\"d1b220b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">IRPH<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e9dd91 elementor-widget elementor-widget-text-editor\" data-id=\"7e9dd91\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"page-header-wrap clearfix \"><div class=\"container\"><span class=\"page-subtitle\">\u00bfEs posible reclamar la nulidad del \u00edndice de referencia de pr\u00e9stamos hipotecarios IRPH de la hipoteca?<\/span><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-74091b8 e-con e-atomic-element e-flexbox-base e-01e7343 \" data-id=\"74091b8\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"74091b8\" data-e-type=\"e-flexbox\" data-id=\"74091b8\">\n    <div class=\"elementor-element elementor-element-2c00aec e-flex e-con-boxed e-con e-parent\" data-id=\"2c00aec\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1daa295 e-con-full e-flex e-con e-child\" data-id=\"1daa295\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8da6a10 elementor-widget elementor-widget-heading\" data-id=\"8da6a10\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Reclamar \u00cdndice de Referencia de Pr\u00e9stamos Hipotecarios IRPH de la hipoteca<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-0474dea e-con e-atomic-element e-flexbox-base e-7c21288 \" data-id=\"0474dea\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"0474dea\" data-e-type=\"e-flexbox\" data-id=\"0474dea\">\n    <div class=\"elementor-element elementor-element-68ace67 e-flex e-con-boxed e-con e-parent\" data-id=\"68ace67\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-30ed0aa e-con-full e-flex e-con e-child\" data-id=\"30ed0aa\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-43af142 elementor-widget elementor-widget-text-editor\" data-id=\"43af142\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>\u00bfQu\u00e9 es el IRPH?<\/strong><\/p><p><strong>IRPH<\/strong>\u00a0son las siglas del\u00a0<strong>\u00cdndice de Referencia de Pr\u00e9stamos Hipotecarios\u00a0<\/strong>y se utiliza como\u00a0referente para calcular las cuotas de los pr\u00e9stamos hipotecarios. Hasta octubre de 2013 exist\u00edan\u00a0<strong>3 tipos de IRPH<\/strong>:<\/p><ol><li>IRPH bancos.<\/li><li>IRPH cajas.<\/li><li>IRPH conjunto entidades (una media de los 2 anteriores).<\/li><\/ol><p class=\"p1\">Actualmente, s\u00f3lo el IRPH del conjunto entidades sigue aplic\u00e1ndose.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-318b794 e-con-full e-flex e-con e-child\" data-id=\"318b794\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b16b2af elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"b16b2af\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Mientras el Eur\u00edbor registra m\u00ednimos hist\u00f3ricos, el IRPH es un \u00edndice bastante m\u00e1s elevado, por lo que los usuarios que tienen referenciados sus pr\u00e9stamos a \u00e9l, se ven bastante perjudicados.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-68fe50c elementor-widget elementor-widget-text-editor\" data-id=\"68fe50c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"p2\"><b>\u00bfC\u00f3mo se calcula el IRPH?<\/b><\/p><p>El IRPH se calcula\u00a0con la media mensual del inter\u00e9s aplicado a las hipotecas de nueva constituci\u00f3n de las diferentes ofertas del mercado hipotecario que han inscrito los bancos y cajas de ahorro. Para que este \u00edndice se actualice hace falta que la propia\u00a0<strong>banca env\u00ede datos econ\u00f3micos al Banco de Espa\u00f1a<\/strong>. Esto hace que esos datos se entreguen sin auditor\u00edas externas y con opacidad.<\/p><p>Sucede que, cuantos<strong>\u00a0m\u00e1s pr\u00e9stamos<\/strong>\u00a0conceda un banco con un\u00a0<strong>\u00edndice m\u00e1s elevado<\/strong>, autom\u00e1ticamente har\u00e1 que se eleve el \u00edndice. Es decir, si contratan m\u00e1s pr\u00e9stamos a un inter\u00e9s superior, el \u00edndice se eleva. Si comercializan m\u00e1s pr\u00e9stamos a un precio inferior, el inter\u00e9s disminuye.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2643590 e-con-full e-flex e-con e-child\" data-id=\"2643590\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bc96b39 elementor-widget elementor-widget-text-editor\" data-id=\"bc96b39\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>El propio banco influye en la decisi\u00f3n del valor que se impone en el IRPH, por lo que los\u00a0<b>clientes<\/b>\u00a0quedan totalmente\u00a0<b>desamparados<\/b>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b281aff elementor-widget elementor-widget-text-editor\" data-id=\"b281aff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"p2\"><b>\u00bfEs posible reclamar la nulidad?<\/b><\/p><p>En diciembre de 2017, el Tribunal Supremo fall\u00f3 a favor de los bancos, declarando que no se puede considerar abusiva la mera aplicaci\u00f3n de estos \u00edndices de referencia al estar regulados y reglados por el Banco de Espa\u00f1a, siendo referencias oficiales. A pesar de ello, siguen existiendo posibilidades para todos los usuarios de banca afectados, ya que, incluso, en esa resoluci\u00f3n, dos de los magistrados del Alto Tribunal emitieron un voto particular a favor de declarar la pretendida nulidad por abusividad, existiendo juzgados\u00a0 que siguen concediendo la nulidad del IRPH con posterioridad a la citada resoluci\u00f3n del Tribunal Supremo, argumentando\u00a0la falta de informaci\u00f3n previa, clara y comprensible sobre el coste comparativo con otras modalidades de pr\u00e9stamo.<\/p><p>El 10 de septiembre de 2019 el abogado general de la UE se pronuncia en su informe y considera que las\u00a0hipotecas que se referenciaron al IRPH\u00a0no est\u00e1n excluidas del \u00e1mbito de la directiva sobre cl\u00e1usulas abusivas y podr\u00e1n ser controladas judicialmente.<\/p><p><strong>ACTUALIZADO<\/strong>: Sentencia del TJUE sobre las hipotecas IRPH del 3 de marzo de 2020.<\/p><p>El TJUE ha dictado sentencia a d\u00eda 3 de Marzo sobre las Hipotecas vinculadas al \u00edndice IRPH \u00cdndice de Referencia de Pr\u00e9stamos Hipotecarios.<br \/>Como conclusiones el TJUE declara que los tribunales espa\u00f1oles deber\u00e1n asegurarse del car\u00e1cter claro y comprensible de las cl\u00e1usulas de contratos de pr\u00e9stamo hipotecario que establezcan la aplicaci\u00f3n de un tipo de inter\u00e9s variable basado en el IRPH. Si llegaran a la conclusi\u00f3n de que dichas cl\u00e1usulas son abusivas, podr\u00e1n sustituirlas por un \u00edndice legal aplicable de manera supletoria, para proteger a los consumidores en cuesti\u00f3n de las consecuencias especialmente perjudiciales que podr\u00edan derivarse de la anulaci\u00f3n del contrato de pr\u00e9stamo.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e7e7a99 e-con-full e-flex e-con e-child\" data-id=\"e7e7a99\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-1841f40 e-con-full e-flex e-con e-child\" data-id=\"1841f40\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6f58c97 elementor-widget elementor-widget-image\" data-id=\"6f58c97\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/staging.atoabogados.com\/wp-content\/uploads\/2026\/06\/ato-abogados-clausula-suelo-cita-estudio-GRATIS-300x300-1.png\" class=\"attachment-large size-large wp-image-4828\" alt=\"\" srcset=\"https:\/\/staging.atoabogados.com\/wp-content\/uploads\/2026\/06\/ato-abogados-clausula-suelo-cita-estudio-GRATIS-300x300-1.png 300w, https:\/\/staging.atoabogados.com\/wp-content\/uploads\/2026\/06\/ato-abogados-clausula-suelo-cita-estudio-GRATIS-300x300-1-150x150.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f497a09 elementor-widget elementor-widget-text-editor\" data-id=\"f497a09\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Si detecta que podr\u00eda estar afectado\/a, en ATO ABOGADOS SLP podemos ayudarle. Ll\u00e1menos al tel\u00e9fono de citas 959 255 856 o d\u00e9jenos sus datos y nos pondremos en contacto con usted.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0e4a532 elementor-button-align-stretch elementor-widget elementor-widget-form\" data-id=\"0e4a532\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;step_next_label&quot;:&quot;Siguiente&quot;,&quot;step_previous_label&quot;:&quot;Anterior&quot;,&quot;button_width&quot;:&quot;100&quot;,&quot;step_type&quot;:&quot;number_text&quot;,&quot;step_icon_shape&quot;:&quot;circle&quot;}\" data-widget_type=\"form.default\">\n\t\t\t\t\t\t\t<form class=\"elementor-form\" method=\"post\" name=\"Nuevo formulario\" aria-label=\"Nuevo formulario\">\n\t\t\t<input type=\"hidden\" name=\"post_id\" value=\"4825\"\/>\n\t\t\t<input type=\"hidden\" name=\"form_id\" value=\"0e4a532\"\/>\n\t\t\t<input type=\"hidden\" name=\"referer_title\" value=\"Ato Abogados\" \/>\n\n\t\t\t\n\t\t\t<div class=\"elementor-form-fields-wrapper elementor-labels-above\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-name elementor-col-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-name\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tNombres y apellidos (requerido)\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[name]\" id=\"form-field-name\" class=\"elementor-field elementor-size-sm  elementor-field-textual\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-tel elementor-field-group elementor-column elementor-field-group-field_a85d6dc elementor-col-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-field_a85d6dc\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tTelef\u00f3no\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t<input size=\"1\" type=\"tel\" name=\"form_fields[field_a85d6dc]\" id=\"form-field-field_a85d6dc\" class=\"elementor-field elementor-size-sm  elementor-field-textual\" pattern=\"[0-9()#&amp;+*-=.]+\" title=\"Solo se aceptan n\u00fameros y caracteres de tel\u00e9fono (#,-,*,etc).\">\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-email elementor-field-group elementor-column elementor-field-group-email elementor-col-100 elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-email\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tCorreo electr\u00f3nico (requerido)\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"email\" name=\"form_fields[email]\" id=\"form-field-email\" class=\"elementor-field elementor-size-sm  elementor-field-textual\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-textarea elementor-field-group elementor-column elementor-field-group-message elementor-col-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-message\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tMensaje\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t<textarea class=\"elementor-field-textual elementor-field  elementor-size-sm\" name=\"form_fields[message]\" id=\"form-field-message\" rows=\"4\"><\/textarea>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-acceptance elementor-field-group elementor-column elementor-field-group-field_b6424b7 elementor-col-100\">\n\t\t\t\t\t\t\t<div class=\"elementor-field-subgroup\">\n\t\t\t<span class=\"elementor-field-option\">\n\t\t\t\t<input type=\"checkbox\" name=\"form_fields[field_b6424b7]\" id=\"form-field-field_b6424b7\" class=\"elementor-field elementor-size-sm  elementor-acceptance-field\">\n\t\t\t\t<label for=\"form-field-field_b6424b7\">Confirmo que he le\u00eddo la pol\u00edtica de privacidad<\/label>\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-acceptance elementor-field-group elementor-column elementor-field-group-field_5607614 elementor-col-100\">\n\t\t\t\t\t\t\t<div class=\"elementor-field-subgroup\">\n\t\t\t<span class=\"elementor-field-option\">\n\t\t\t\t<input type=\"checkbox\" name=\"form_fields[field_5607614]\" id=\"form-field-field_5607614\" class=\"elementor-field elementor-size-sm  elementor-acceptance-field\">\n\t\t\t\t<label for=\"form-field-field_5607614\">Deseo recibir comunicaciones comerciales de ATO Abogados en los t\u00e9rminos de la Pol\u00edtica de Privacidad<\/label>\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-group elementor-column elementor-field-type-submit elementor-col-100 e-form__buttons\">\n\t\t\t\t\t<button class=\"elementor-button elementor-size-sm\" type=\"submit\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Quiero reclamar<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/form>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c772b1d elementor-widget elementor-widget-text-editor\" data-id=\"c772b1d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>(*)\u00a0<em>SIEMPRE Y CUANDO SE TERMINE INTERPONIENDO DEMANDA O ALCANZANDO UN ACUERDO CON LA ENTIDAD BANCARIA<\/em><\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-4889498 e-con e-atomic-element e-flexbox-base e-ebb338f \" data-id=\"4889498\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"4889498\" data-e-type=\"e-flexbox\" data-id=\"4889498\">\n    <div class=\"elementor-element elementor-element-0400a2a e-flex e-con-boxed e-con e-parent\" data-id=\"0400a2a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f818522 elementor-widget elementor-widget-heading\" data-id=\"f818522\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Este es un elemento de encabezado personalizado\n<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f558c2b e-con-full e-flex e-con e-child\" data-id=\"f558c2b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7e50f96 elementor-widget elementor-widget-video\" data-id=\"7e50f96\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/youtu.be\\\/-LtZTSOjC8A&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e9906a elementor-widget elementor-widget-video\" data-id=\"7e9906a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/youtu.be\\\/9qCLhwUTz48&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e3637e9 e-con-full e-flex e-con 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