{"id":3396,"date":"2018-07-12T07:44:32","date_gmt":"2018-07-12T07:44:32","guid":{"rendered":"https:\/\/www.atoabogados.com\/?p=3396"},"modified":"2018-07-12T07:44:32","modified_gmt":"2018-07-12T07:44:32","slug":"como-reclamar-los-gastos-de-hipoteca","status":"publish","type":"post","link":"https:\/\/staging.atoabogados.com\/?p=3396","title":{"rendered":"C\u00f3mo reclamar los gastos de hipoteca"},"content":{"rendered":"<p>[vc_row][vc_column][vc_column_text]<strong>\u00bfQu\u00e9 son los gastos de hipoteca?<\/strong><\/p>\n<p>A la hora de formalizar un pr\u00e9stamo hipotecario el cliente ha estado pagando una serie de importes derivados del pago de la\u00a0<strong>tasaci\u00f3n<\/strong> de la vivienda; de\u00a0<strong>notar\u00eda<\/strong>, correspondiente a la escritura del pr\u00e9stamo hipotecario; del\u00a0<strong>registro de la propiedad<\/strong>, por la inscripci\u00f3n de la hipoteca; de la\u00a0<strong>gestor\u00eda, <\/strong>por la realizaci\u00f3n de los tr\u00e1mites e<strong>\u00a0impuestos<\/strong>. Todas estas facturas se adjuntaban normalmente grapadas a la escritura de la hipoteca.<\/p>\n<p>Los bancos sol\u00edan incluir en el contrato una cl\u00e1usula gen\u00e9rica de este tipo:<\/p>\n<blockquote><p><em>\u201c\u2026Son de cuenta exclusiva de la parte prestataria todos los tributos, comisiones y gastos ocasionados por la preparaci\u00f3n, formalizaci\u00f3n, subsanaci\u00f3n, tramitaci\u00f3n de escrituras, modificaci\u00f3n \u2013 incluyendo divisi\u00f3n, segregaci\u00f3n o cualquier cambio que suponga alteraci\u00f3n de la garant\u00eda- y ejecuci\u00f3n de este contrato, y por los pagos y reintegros derivados del mismo, as\u00ed como por la constituci\u00f3n, conservaci\u00f3n y cancelaci\u00f3n de su garant\u00eda\u2026\u201d<\/em><\/p><\/blockquote>\n<p><strong>\u00bfSe pueden reclamar?<\/strong><\/p>\n<p>El\u00a0Tribunal Supremo declar\u00f3 en 2015 la\u00a0<strong>nulidad<\/strong>, por\u00a0<strong>abusiva<\/strong>, de este tipo de\u00a0<strong>cl\u00e1usulas de repercusi\u00f3n de gastos<\/strong>\u00a0a los clientes, obligando a las entidades financieras a\u00a0<strong>devolverlos<\/strong>\u00a0a los prestatarios.<\/p>\n<p>Si tu contrato incluye esta cl\u00e1usula, se pueden reclamar dichos gastos.<\/p>\n<blockquote><p>Adem\u00e1s de los gastos relacionados anteriormente, tambi\u00e9n es posible reclamar la <strong>COMISI\u00d3N DE APERTURA, <\/strong>que suele estar en torno al 1% del total del pr\u00e9stamo.<\/p><\/blockquote>\n<p><strong>\u00bfHasta cuando se puede reclamar?<\/strong><\/p>\n<p><strong>No existe caducidad<\/strong> para poder reclamar estos gastos, incluso si la hipoteca ha sido ya cancelada, novada o subrogada.[\/vc_column_text][vc_cta h2=\u00bbRECLAMA CON ESPECIALISTAS Y RECUPERA TU DINERO\u00bb add_button=\u00bbbottom\u00bb btn_title=\u00bbCONTACTE CON NOSOTROS\u00bb btn_color=\u00bbpeacoc\u00bb btn_link=\u00bburl:http%3A%2F%2Fwww.atoabogados.com%2Fcontact-us%2F|||\u00bb]En <strong>ATO Abogados<\/strong> somos pioneros en <strong>Huelva<\/strong> en reclamaciones a bancos y podemos ayudarte a recuperar tu dinero. Contacta con nosotros y pide <strong>CITA PREVIA<\/strong> en el 959255856, en el correo electr\u00f3nico <a href=\"mailto:info@atoabogados.com\">info@atoabogados.com<\/a> o a trav\u00e9s de nuestro formulario web y estudiaremos tu caso.[\/vc_cta][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][vc_column_text]\u00bfQu\u00e9 son los gastos de hipoteca? A la hora de formalizar un pr\u00e9stamo hipotecario el cliente ha estado pagando una [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3401,"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":[8,118],"tags":[11,18,126,91,20,22],"class_list":["post-3396","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-derecho-bancario","category-gastos-hipotecarios","tag-abogado","tag-demandar","tag-gastos-de-hipoteca","tag-gastos-formalizacion-hipoteca","tag-huelva","tag-reclamar"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v28.1) - 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