{"id":2765,"date":"2017-10-11T16:02:33","date_gmt":"2017-10-11T16:02:33","guid":{"rendered":"https:\/\/www.atoabogados.com\/?p=2765"},"modified":"2017-10-11T16:02:33","modified_gmt":"2017-10-11T16:02:33","slug":"los-jueces-aplican-criterio-del-tjue-anulando-hipotecas-multidivisa-bankinter","status":"publish","type":"post","link":"https:\/\/staging.atoabogados.com\/?p=2765","title":{"rendered":"Los jueces aplican criterio del TJUE anulando cl\u00e1usulas multidivisa a Bankinter"},"content":{"rendered":"<p>[vc_row][vc_column][vc_column_text]<\/p>\n<h4><strong>Bankinter<\/strong> ha visto anuladas recientemente dos <strong>cl\u00e1usulas multidivisa<\/strong> en dos contratos de pr\u00e9stamo hipotecario, en Madrid y Salamanca respectivamente.<\/h4>\n<p>En el caso de <strong>Madrid<\/strong>, los clientes formalizaron una hipoteca en el a\u00f1o 2005 por 300.000 \u20ac, con un contravalor de 468.831,90 francos suizos. Tras nueve a\u00f1os pagando las cuotas, los clientes debian m\u00e1s de lo inicialmente prestado.<\/p>\n<p>El fallo del<strong> Juzgado<\/strong> de Primera Instancia 38 ha concluido que el banco incumpli\u00f3 con sus obligaciones de informaci\u00f3n,\u00a0<em>\u201clos clientes carec\u00edan de conocimiento alguno de la terminolog\u00eda, t\u00e9cnica, operatividad y efectividad material y econ\u00f3mica de la hipoteca multidivisa como producto complejo y de elevado riesgo\u201c.<\/em><\/p>\n<p>La <strong>nulidad<\/strong> de la cl\u00e1usula multidivisa, obliga al banco a recalcular en euros toda la vida de la hipoteca y condena a la entidad al abono de las costas.<\/p>\n<p>En el caso de <strong>Salamanca<\/strong>, la <strong>Audiencia Provincial<\/strong> ha resuelto una apelaci\u00f3n condenado a Bankinter, aplicando la Sentecia del TJUE que considera abusivas las hipotecas multidivisa por <strong>falta de transparencia<\/strong>.<\/p>\n<p>En este caso, una\u00a0pareja suscribi\u00f3 una hipoteca por 192.000 euros a 30 a\u00f1os. Tras pagar durante nueve a\u00f1os sus cuotas, lo que deb\u00edan al banco era 219.000 euros. Tras reclamar en 2007, el Juzgado de Instrucci\u00f3n 6 les dio la raz\u00f3n y conden\u00f3 a Bankinter a <strong>recalcular la hipoteca en euros<\/strong>. La entidad recurri\u00f3 argumentando que este producto no era complejo.<\/p>\n<p>La Audiencia falla a favor de los clientes argumentando que el TJUE deja clara la exigencia de una redacci\u00f3n clara, comprensible y transparente, no s\u00f3lo gramatical, sino tambi\u00e9n de\u00a0 compresi\u00f3n y\u00a0que es el juez nacional el que debe verificar si el consumidor habr\u00eda aceptado esa cl\u00e1usula si el profesional le hubiera tratado de manera leal y equitativa.<\/p>\n<h4><strong> Si su hipoteca contiene una cl\u00e1usula multidivisa, en ATO Abogados SLP podemos ayudarle a reclamar para conseguir su nulidad. Solicite CITA en el 959255856 o en el correo electr\u00f3nico info@atoabogados.com<\/strong><\/h4>\n<p>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][vc_column_text] Bankinter ha visto anuladas recientemente dos cl\u00e1usulas multidivisa en dos contratos de pr\u00e9stamo hipotecario, en Madrid y Salamanca respectivamente. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2766,"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 center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[8,48],"tags":[11,115,98,20,21,22],"class_list":["post-2765","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-derecho-bancario","category-hipoteca-multidivisa","tag-abogado","tag-clausulas-multidivisa","tag-hipoteca-multidivisa","tag-huelva","tag-nulidad","tag-reclamar"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v28.1) - 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