{"id":2687,"date":"2017-09-13T15:25:18","date_gmt":"2017-09-13T15:25:18","guid":{"rendered":"http:\/\/www.atoabogados.com\/?p=2687"},"modified":"2017-09-13T15:25:18","modified_gmt":"2017-09-13T15:25:18","slug":"hipotecas-referenciadas-a-irph","status":"publish","type":"post","link":"https:\/\/staging.atoabogados.com\/?p=2687","title":{"rendered":"Hipotecas referenciadas a IRPH, otra lucha en los tribunales"},"content":{"rendered":"<p>[vc_row][vc_column][vc_column_text]<\/p>\n<h4>Durante el boom de la expansi\u00f3n inmobiliaria, miles de hipotecas fueron formalizadas en Espa\u00f1a utilizando el \u00edndice IRPH Cajas e IRPH Bancos como referencia para calcular las cuotas, argumentando las entidades bancarias que iba a ser m\u00e1s estable que el Euribor, el tipo de inter\u00e9s m\u00e1s utilizado.<\/h4>\n<p>Aunque IRPH siempre ha estado por encima, ambos indicadores se mov\u00edan paralelamente hasta 2012, fecha en la que Euribor si empez\u00f3 a caer fuerte y progresivamente (hasta alcanzar los m\u00ednimos hist\u00f3ricos actuales) mientras que IRPH lo hac\u00eda pero a un ritmo mucho m\u00e1s lento. En el a\u00f1o 2013 s\u00f3lo qued\u00f3 vigente el \u00edndice IRPH Entidades (una media de los otros dos).[\/vc_column_text][vc_raw_html]JTNDaWZyYW1lJTIwaWQlM0QlMjJkYXRhd3JhcHBlci1jaGFydC1Vbk5BcCUyMiUyMHNyYyUzRCUyMiUyRiUyRmRhdGF3cmFwcGVyLmR3Y2RuLm5ldCUyRlVuTkFwJTJGMSUyRiUyMiUyMHNjcm9sbGluZyUzRCUyMm5vJTIyJTIwZnJhbWVib3JkZXIlM0QlMjIwJTIyJTIwYWxsb3d0cmFuc3BhcmVuY3klM0QlMjJ0cnVlJTIyJTIwYWxsb3dmdWxsc2NyZWVuJTNEJTIyYWxsb3dmdWxsc2NyZWVuJTIyJTIwd2Via2l0YWxsb3dmdWxsc2NyZWVuJTNEJTIyd2Via2l0YWxsb3dmdWxsc2NyZWVuJTIyJTIwbW96YWxsb3dmdWxsc2NyZWVuJTNEJTIybW96YWxsb3dmdWxsc2NyZWVuJTIyJTIwb2FsbG93ZnVsbHNjcmVlbiUzRCUyMm9hbGxvd2Z1bGxzY3JlZW4lMjIlMjBtc2FsbG93ZnVsbHNjcmVlbiUzRCUyMm1zYWxsb3dmdWxsc2NyZWVuJTIyJTIwd2lkdGglM0QlMjIxMDAlMjUlMjIlMjBoZWlnaHQlM0QlMjI2MDAlMjIlM0UlM0MlMkZpZnJhbWUlM0UlM0NzY3JpcHQlMjB0eXBlJTNEJTIydGV4dCUyRmphdmFzY3JpcHQlMjIlM0VpZiUyOCUyMnVuZGVmaW5lZCUyMiUzRCUzRHR5cGVvZiUyMHdpbmRvdy5kYXRhd3JhcHBlciUyOXdpbmRvdy5kYXRhd3JhcHBlciUzRCU3QiU3RCUzQndpbmRvdy5kYXRhd3JhcHBlciU1QiUyMlVuTkFwJTIyJTVEJTNEJTdCJTdEJTJDd2luZG93LmRhdGF3cmFwcGVyJTVCJTIyVW5OQXAlMjIlNUQuZW1iZWREZWx0YXMlM0QlN0IlMjIxMDAlMjIlM0E2ODIuMDE4ODYlMkMlMjIyMDAlMjIlM0E2MjcuMDE4ODYlMkMlMjIzMDAlMjIlM0E2MjcuMDE4ODYlMkMlMjI0MDAlMjIlM0E2MDAuMDE4ODYlMkMlMjI1MDAlMjIlM0E2MDAuMDE4ODYlMkMlMjI2MDAlMjIlM0E2MDAuMDE4ODYlMkMlMjI3MDAlMjIlM0E2MDAuMDE4ODYlMkMlMjI4MDAlMjIlM0E2MDAuMDE4ODYlMkMlMjI5MDAlMjIlM0E2MDAuMDE4ODYlMkMlMjIxMDAwJTIyJTNBNjAwLjAxODg2JTdEJTJDd2luZG93LmRhdGF3cmFwcGVyJTVCJTIyVW5OQXAlMjIlNUQuaWZyYW1lJTNEZG9jdW1lbnQuZ2V0RWxlbWVudEJ5SWQlMjglMjJkYXRhd3JhcHBlci1jaGFydC1Vbk5BcCUyMiUyOSUyQ3dpbmRvdy5kYXRhd3JhcHBlciU1QiUyMlVuTkFwJTIyJTVELmlmcmFtZS5zdHlsZS5oZWlnaHQlM0R3aW5kb3cuZGF0YXdyYXBwZXIlNUIlMjJVbk5BcCUyMiU1RC5lbWJlZERlbHRhcyU1Qk1hdGgubWluJTI4MWUzJTJDTWF0aC5tYXglMjgxMDAlMkFNYXRoLmZsb29yJTI4d2luZG93LmRhdGF3cmFwcGVyJTVCJTIyVW5OQXAlMjIlNUQuaWZyYW1lLm9mZnNldFdpZHRoJTJGMTAwJTI5JTJDMTAwJTI5JTI5JTVEJTJCJTIycHglMjIlMkN3aW5kb3cuYWRkRXZlbnRMaXN0ZW5lciUyOCUyMm1lc3NhZ2UlMjIlMkNmdW5jdGlvbiUyOGElMjklN0JpZiUyOCUyMnVuZGVmaW5lZCUyMiUyMSUzRHR5cGVvZiUyMGEuZGF0YSU1QiUyMmRhdGF3cmFwcGVyLWhlaWdodCUyMiU1RCUyOWZvciUyOHZhciUyMGIlMjBpbiUyMGEuZGF0YSU1QiUyMmRhdGF3cmFwcGVyLWhlaWdodCUyMiU1RCUyOWlmJTI4JTIyVW5OQXAlMjIlM0QlM0RiJTI5d2luZG93LmRhdGF3cmFwcGVyJTVCJTIyVW5OQXAlMjIlNUQuaWZyYW1lLnN0eWxlLmhlaWdodCUzRGEuZGF0YSU1QiUyMmRhdGF3cmFwcGVyLWhlaWdodCUyMiU1RCU1QmIlNUQlMkIlMjJweCUyMiU3RCUyOSUzQiUzQyUyRnNjcmlwdCUzRQ==[\/vc_raw_html][vc_column_text]As\u00ed pues, los consumidores que ten\u00edan referenciados sus pr\u00e9stamos hipotecarios al IRPH se vieron claramente perjudicados, teniendo que abonar cantidades considerablemente m\u00e1s elevadas en concepto de intereses.<\/p>\n<p>Cada vez m\u00e1s Juzgados est\u00e1n considerando abusivo este \u00edndice y probando la opacidad con que se comercializaron estas hipotecas, por lo que desde ATO Abogados recomendamos que se pongan en manos de especialistas para reclamar la <strong>nulidad<\/strong>\u00a0de dicho \u00edndice y solicitar la <strong>devoluci\u00f3n<\/strong> de la totalidad de cantidades pagadas de m\u00e1s en concepto de intereses.[\/vc_column_text][vc_cta h2=\u00bbELIMINAR IRPH (\u00cdNDICE DE REFERENCIA DE PR\u00c9STAMOS HIPOTECARIOS) DE LA HIPOTECA\u00bb add_button=\u00bbbottom\u00bb btn_title=\u00bb\u00bfC\u00f3mo se calcula el IRPH? \u00bfEs posible reclamar su nulidad?\u00bb add_icon=\u00bbleft\u00bb i_icon_fontawesome=\u00bbfa fa-signal\u00bb i_size=\u00bbxl\u00bb btn_link=\u00bburl:http%3A%2F%2Fwww.atoabogados.com%2Feliminar-irph-indice-referencia-prestamos-hipotecarios-la-hipoteca-ato-abogados-slp-huelva%2F||target:%20_blank|\u00bb css=\u00bb.vc_custom_1505305760329{background-color: #f4f4f4 !important;border-radius: 2px !important;}\u00bb][\/vc_cta][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][vc_column_text] Durante el boom de la expansi\u00f3n inmobiliaria, miles de hipotecas fueron formalizadas en Espa\u00f1a utilizando el \u00edndice IRPH Cajas [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2710,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center 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