{"id":4833,"date":"2026-06-30T20:07:56","date_gmt":"2026-06-30T20:07:56","guid":{"rendered":"https:\/\/staging.atoabogados.com\/?page_id=4833"},"modified":"2026-07-10T16:15:38","modified_gmt":"2026-07-10T16:15:38","slug":"hipotecas-multidivisa","status":"publish","type":"page","link":"https:\/\/staging.atoabogados.com\/?page_id=4833","title":{"rendered":"Hipotecas multidivisa"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"4833\" class=\"elementor elementor-4833\" 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\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\">Hipotecas multidivisa\n<\/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-a853f56 e-con e-atomic-element e-flexbox-base e-a853f56-4b877bc \" data-id=\"a853f56\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"a853f56\" data-e-type=\"e-flexbox\" data-id=\"a853f56\">\n    <div class=\"elementor-element elementor-element-688807d e-flex e-con-boxed e-con e-parent\" data-id=\"688807d\" 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-7e333d8 e-con-full e-flex e-con e-child\" data-id=\"7e333d8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dc43da8 elementor-widget elementor-widget-text-editor\" data-id=\"dc43da8\" 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=\"wpb_text_column wpb_content_element \"><div class=\"wpb_wrapper\"><p>La<strong>\u00a0Sentencia del Tribunal Supremo, del Pleno Sala 1\u00aa, de 30-06-2015, n\u00ba 323\/2015<\/strong>, y la posterior,\u00a0<strong>de 15-11-2017<\/strong>,\u00a0<strong>n\u00ba 608\/2017<\/strong>, que cambia el razonamiento de la primera sobre la naturaleza y normativa aplicable a este tipo de pr\u00e9stamos hipotecarios, sentaron las bases jurisprudenciales para resolver los procedimientos judiciales de las llamadas<strong>\u00a0hipotecas multidivisa<\/strong>.<\/p><p>La precitada STS, de 30-06-2015, en el FD S\u00e9ptimo, comienza por establecer el\u00a0<strong>concepto general y las caracter\u00edsticas<\/strong>\u00a0de las hipotecas multidivisa en los siguientes t\u00e9rminos:<\/p><p><em>\u201c<strong>3.-<\/strong>\u00a0Lo que se ha venido en llamar coloquialmente \u00b4hipoteca multidivisa\u00b4\u00a0<strong>es un pr\u00e9stamo con garant\u00eda hipotecaria, a inter\u00e9s variable, en el que la moneda en la que se referencia la entrega del capital y las cuotas peri\u00f3dicas de amortizaci\u00f3n es una divisa<\/strong>, entre varias posibles, a elecci\u00f3n del prestatario,\u00a0<strong>y en el que el \u00edndice de referencia<\/strong>\u00a0sobre el que se aplica el diferencial para determinar el tipo de inter\u00e9s aplicable en cada periodo\u00a0<strong>suele ser distinto del Euribor<\/strong>, en concreto suele ser el Libor\u2026\u201d<\/em><\/p><h3><strong><em>\u00a0<\/em><\/strong><strong>I.- Producto complejo y alto riesgo.<\/strong><\/h3><p>Las hipotecas multidivisa suponen unos riesgos a\u00f1adidos frente a los pr\u00e9stamos hipotecarios tradicionales en euros, y es que, adem\u00e1s de las posibles subidas del \u00edndice de referencia, tambi\u00e9n est\u00e1n expuestas a los cambios de cotizaci\u00f3n y a las alteraciones de los tipos de inter\u00e9s relacionados con tales monedas. De ah\u00ed, las obligaciones de las entidades financieras de facilitar una informaci\u00f3n adecuada, precisa, veraz y suficiente, en fase precontractual y contractual. En concreto, el banco, a la hora de comercializar el producto, debe informar de los siguientes riesgos, entre otros:<\/p><ul><li><strong>Riesgo de tipo de cambio\u00a0<\/strong>de las divisas aplicables.<\/li><li><strong>Riesgo de tipo de inter\u00e9s<\/strong>del \u00edndice de referencia que se utilice.<\/li><\/ul><h3><strong>II.- Contratos de adhesi\u00f3n.<\/strong><\/h3><p>Se trata de\u00a0<strong>contratos de adhesi\u00f3n<\/strong>\u00a0donde las\u00a0<strong>cl\u00e1usulas o estipulaciones han sido elaboradas, predispuestas e impuestas por las entidades financieras<\/strong>, sin la participaci\u00f3n del cliente. Como tales,\u00a0<strong>se rigen por la Ley 7\/1998 de Condiciones Generales de la Contrataci\u00f3n<\/strong>\u00a0y, cuando se utilizan, adem\u00e1s, en contratos con consumidores, se aplica todo el r\u00e9gimen de cl\u00e1usulas abusivas de la Ley General de Defensa de los Consumidores y Usuarios, debi\u00e9ndose realizar el doble control de transparencia.<\/p><h3><strong>III.- No es un instrumento financiero conforme a la MIFID.<\/strong><\/h3><p>La antedicha\u00a0<strong>STS, de 30-06-2015, n\u00ba 323\/2015<\/strong>,\u00a0<strong>declar\u00f3 que la hipoteca multidivisa<\/strong>, adem\u00e1s de ser un pr\u00e9stamo hipotecario,\u00a0<strong>era un instrumento financiero complejo de alto riesgo, si\u00e9ndole<\/strong>, por tanto,\u00a0<strong>de aplicaci\u00f3n la ley 47\/2007, de 19 de diciembre de 2007<\/strong>, sobre el Mercado de Valores,\u00a0<strong>que traspuso al ordenamiento jur\u00eddico espa\u00f1ol la\u00a0Directiva 2004\/39\/CE, conocida como MIFID<\/strong>.<\/p><p>La posterior\u00a0<strong>STJUE, de 03-12-2015, caso Banif Plus Bank<\/strong>, asunto C-312\/14,\u00a0<strong>declar\u00f3, por el contrario<\/strong>, cambiando su propia doctrina establecida en la STJUE, de 30-04-2014, asunto C-26\/13,\u00a0<strong>que las cl\u00e1usulas multidivisa no son un instrumento financiero, regulado por la Ley del Mercado de Valores<\/strong>,\u00a0<strong>independiente del pr\u00e9stamo hipotecario.<\/strong><\/p><p>Este nuevo criterio, de no aplicaci\u00f3n de la normativa MIFID a los pr\u00e9stamos hipotecarios multidivisa, ha sido adoptado tambi\u00e9n por nuestro Alto Tribunal en la\u00a0<strong>STS, de 15-11-2017, n\u00ba 608\/2017<\/strong>, pero insistiendo y recordando que, la no aplicaci\u00f3n de la Directiva MIFID a estos contratos,\u00a0<strong>no contradice que el pr\u00e9stamo hipotecario en divisas sea considerado un producto complejo a efectos de poder realizar el doble control de transparencia en aplicaci\u00f3n de la Directiva 93\/13<\/strong>, sobre cl\u00e1usulas abusivas en los contratos celebrados con consumidores.<\/p><h3><sup>\u00a0<\/sup><strong>IV.- Aplicaci\u00f3n de la Directiva 93\/13: doble control de transparencia.<\/strong><\/h3><p>La comentada\u00a0STS, de 15-11-2017, n\u00ba 608\/2017,\u00a0siguiendo el nuevo criterio del TJUE, refrendado por la\u00a0STJUE, Sala 2\u00aa, de 20-09-2017, entiende, acorde con el art\u00edculo 4, apartado 2, de la Directiva 93\/13, sobre cl\u00e1usulas abusivas en los contratos celebrados por consumidores, que la cl\u00e1usula incluida en un contrato de pr\u00e9stamo en divisa extranjera que no ha sido negociada individualmente y, seg\u00fan la cual, el pr\u00e9stamo deber\u00e1 reembolsarse en la misma divisa extranjera que se contrat\u00f3, forma parte del objeto principal de contrato de pr\u00e9stamo, dado que esta cl\u00e1usula regula una prestaci\u00f3n esencial que caracteriza dicho contrato, por lo que su car\u00e1cter abusivo podr\u00e1 examinarse conforme a la Directiva.<\/p><p>En este sentido, nuestro Alto Tribunal, en la referida STS, de 15-11-2017, n\u00ba 608\/2017,\u00a0estim\u00f3 la nulidad parcial de un pr\u00e9stamo hipotecario multidivisa por abusividad debido a la falta de transparencia, adoptando la doctrina del Tribunal de Justicia de la Uni\u00f3n Europea antes expuesta. Pero, a su vez, asegura que la no aplicaci\u00f3n de dicha Ley no conlleva que no sean productos de complejo riesgo a efectos del control de transparencia, en los supuestos en que el prestatario tiene la consideraci\u00f3n legal de consumidor.<\/p><h3><strong>\u00a0V.- Nulidad parcial del pr\u00e9stamo hipotecario.<\/strong><\/h3><p>Las consecuencias que debe tener la nulidad de una cl\u00e1usula multidivisa no pueden volcarse sobre la totalidad del contrato, sino s\u00f3lo sobre la cl\u00e1usula multidivisa litigiosa. La apreciaci\u00f3n de la nulidad total del contrato ser\u00eda contraria a la jurisprudencia del TJUE y al fin de protecci\u00f3n de los consumidores.<\/p><p>En consecuencia,<strong>\u00a0se ha de declarar la nulidad parcial del pr\u00e9stamo<\/strong>, eliminando la cl\u00e1usula multidivisa del mismo y recalculando el cuadro de amortizaci\u00f3n en euros en funci\u00f3n del Euribor m\u00e1s el diferencial pactado, con la consiguiente devoluci\u00f3n al cliente de los posibles intereses cobrados de m\u00e1s y la amortizaci\u00f3n del capital correspondiente por el cambio de divisa.<\/p><\/div><\/div><div class=\"vc_row wpb_row vc_inner vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner \"><div class=\"wpb_wrapper\"><h2 class=\"vc_custom_heading\">Noticias relacionas con hipotecas multidivisa:<\/h2><\/div><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c747af8 e-con-full e-flex e-con e-child\" data-id=\"c747af8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-f31bb1f e-con-full e-flex e-con e-child\" data-id=\"f31bb1f\" 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-2b1dfe0 e-con-full e-flex e-con e-child\" data-id=\"2b1dfe0\" 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-e5cf54c elementor-widget elementor-widget-heading\" data-id=\"e5cf54c\" 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\">SI TIENE UNA HIPOTECA MULTIDIVISA, RECLAME LA NULIDAD\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-992fd1b elementor-widget elementor-widget-text-editor\" data-id=\"992fd1b\" 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 id=\"primary\" class=\"content-area\"><main id=\"main\" class=\"site-main\" role=\"main\"><article id=\"post-2427\" class=\"post-2427 page type-page status-publish has-post-thumbnail hentry\"><div class=\"entry-content\"><div id=\"wpc_6a44221f6ed36\" class=\"vc_row wpb_row vc_row-fluid  \"><div class=\"row_inner_wrapper  clearfix\"><div class=\"row_inner row_center_content clearfix\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner \"><div class=\"wpb_wrapper\"><section class=\"vc_cta3-container\"><div class=\"vc_general vc_cta3 vc_cta3-style-3d vc_cta3-shape-rounded vc_cta3-align-center vc_cta3-color-peacoc vc_cta3-icon-size-md vc_cta3-actions-bottom\"><div class=\"vc_cta3_content-container\"><div class=\"vc_cta3-content\"><p>En ATO 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data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-802d59a elementor-widget elementor-widget-heading\" data-id=\"802d59a\" 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\">\u00daLTIMAS NOTICIAS\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d0aa8fe elementor-grid-1 elementor-posts--thumbnail-left elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-widget elementor-widget-posts\" data-id=\"d0aa8fe\" data-element_type=\"widget\" data-e-type=\"widget\" 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El Supremo aclara los criterios\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-4737 post type-post status-publish format-standard has-post-thumbnail hentry category-actual category-despacho category-blog\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/staging.atoabogados.com\/?p=4737\" tabindex=\"-1\" >\n\t\t\t<div class=\"elementor-post__thumbnail\"><img fetchpriority=\"high\" decoding=\"async\" width=\"300\" height=\"169\" src=\"https:\/\/staging.atoabogados.com\/wp-content\/uploads\/2026\/05\/91405b9a-c912-45e1-9db2-91d74ba09d42-300x169.png\" class=\"attachment-medium size-medium wp-image-4738\" alt=\"\" srcset=\"https:\/\/staging.atoabogados.com\/wp-content\/uploads\/2026\/05\/91405b9a-c912-45e1-9db2-91d74ba09d42-300x169.png 300w, https:\/\/staging.atoabogados.com\/wp-content\/uploads\/2026\/05\/91405b9a-c912-45e1-9db2-91d74ba09d42-1024x576.png 1024w, https:\/\/staging.atoabogados.com\/wp-content\/uploads\/2026\/05\/91405b9a-c912-45e1-9db2-91d74ba09d42-768x432.png 768w, https:\/\/staging.atoabogados.com\/wp-content\/uploads\/2026\/05\/91405b9a-c912-45e1-9db2-91d74ba09d42-1536x864.png 1536w, https:\/\/staging.atoabogados.com\/wp-content\/uploads\/2026\/05\/91405b9a-c912-45e1-9db2-91d74ba09d42.png 1672w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/staging.atoabogados.com\/?p=4737\" >\n\t\t\t\tLa justicia pone el foco en las tarjetas de cr\u00e9dito: m\u00e1s control para los pr\u00e9stamos al consumo\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-4731 post type-post status-publish format-standard has-post-thumbnail hentry category-actual category-despacho category-blog\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/staging.atoabogados.com\/?p=4731\" tabindex=\"-1\" >\n\t\t\t<div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"150\" src=\"https:\/\/staging.atoabogados.com\/wp-content\/uploads\/2026\/05\/aa99ee48-a4ca-40f2-b318-16b741ff7c08-300x150.png\" class=\"attachment-medium size-medium wp-image-4736\" alt=\"\" srcset=\"https:\/\/staging.atoabogados.com\/wp-content\/uploads\/2026\/05\/aa99ee48-a4ca-40f2-b318-16b741ff7c08-300x150.png 300w, https:\/\/staging.atoabogados.com\/wp-content\/uploads\/2026\/05\/aa99ee48-a4ca-40f2-b318-16b741ff7c08-1024x512.png 1024w, https:\/\/staging.atoabogados.com\/wp-content\/uploads\/2026\/05\/aa99ee48-a4ca-40f2-b318-16b741ff7c08-768x384.png 768w, https:\/\/staging.atoabogados.com\/wp-content\/uploads\/2026\/05\/aa99ee48-a4ca-40f2-b318-16b741ff7c08-1536x768.png 1536w, https:\/\/staging.atoabogados.com\/wp-content\/uploads\/2026\/05\/aa99ee48-a4ca-40f2-b318-16b741ff7c08.png 1774w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/staging.atoabogados.com\/?p=4731\" >\n\t\t\t\tEl IRPH vuelve al TJUE: Europa reabre el debate sobre cu\u00e1ndo puede considerarse abusivo\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-4718 post type-post status-publish format-standard has-post-thumbnail hentry category-actual category-despacho category-blog category-ley-segunda-oportunidad\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/staging.atoabogados.com\/?p=4718\" tabindex=\"-1\" >\n\t\t\t<div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"200\" src=\"https:\/\/staging.atoabogados.com\/wp-content\/uploads\/2026\/03\/segunda-oportunidad-23-300x200.jpg\" class=\"attachment-medium size-medium wp-image-4720\" alt=\"\" srcset=\"https:\/\/staging.atoabogados.com\/wp-content\/uploads\/2026\/03\/segunda-oportunidad-23-300x200.jpg 300w, https:\/\/staging.atoabogados.com\/wp-content\/uploads\/2026\/03\/segunda-oportunidad-23-1024x683.jpg 1024w, https:\/\/staging.atoabogados.com\/wp-content\/uploads\/2026\/03\/segunda-oportunidad-23-768x512.jpg 768w, https:\/\/staging.atoabogados.com\/wp-content\/uploads\/2026\/03\/segunda-oportunidad-23.jpg 1536w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/staging.atoabogados.com\/?p=4718\" >\n\t\t\t\tNueva v\u00eda para cancelar deudas: el Supremo avala la exoneraci\u00f3n de parte de la deuda p\u00fablica en un procedimiento de Segunda Oportunidad\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\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\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Hipotecas multidivisa La\u00a0Sentencia del Tribunal Supremo, del Pleno Sala 1\u00aa, de 30-06-2015, n\u00ba 323\/2015, y la posterior,\u00a0de 15-11-2017,\u00a0n\u00ba 608\/2017, 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