{"id":3539,"date":"2018-11-19T16:11:08","date_gmt":"2018-11-19T16:11:08","guid":{"rendered":"https:\/\/www.atoabogados.com\/?p=3539"},"modified":"2018-11-19T16:11:08","modified_gmt":"2018-11-19T16:11:08","slug":"tribunal-supremo-declara-nulidad-de-prestamo-hipotecario-en-contenidos-relativos-a-divisas","status":"publish","type":"post","link":"https:\/\/staging.atoabogados.com\/?p=3539","title":{"rendered":"Tribunal Supremo declara nulidad de pr\u00e9stamo hipotecario en contenidos relativos a divisas"},"content":{"rendered":"<p>[vc_row][vc_column][vc_column_text]La Sala de lo Civil del <strong>Tribunal Supremo<\/strong>, en Sentencia 599\/2018 de 31 de Octubre ha estimado el recurso de casaci\u00f3n interpuesto contra Sentencia de la Audiencia Provincial de Oviedo en recurso de apelaci\u00f3n de Catalunya Banc y:<\/p>\n<ul>\n<li>Declara la <strong>nulidad<\/strong> parcial del pr\u00e9stamo hipotecario suscrito por las partes en la escritura p\u00fablica de 31 de octubre de 2006, en todos los contenidos relativos a las menciones a las <strong>divisas distintas del euro.<\/strong><\/li>\n<li>Declara que el efecto de la nulidad parcial conlleva la consideraci\u00f3n de que la cantidad adeudada por los demandantes es el saldo vivo de la hipoteca <strong>referenciado a euros<\/strong>, resultante de disminuir al importe prestado la cantidad amortizada hasta la fecha, tambi\u00e9n en euros, en concepto de principal e intereses y que el contrato debe subsistir sin los contenidos declarados nulos, entendiendo que el pr\u00e9stamo lo fue en euros y que las amortizaciones deben realizarse tambi\u00e9n en euros, utilizando como tipo de inter\u00e9s la misma referencia fijada en la escritura (LIBOR a un mes + un punto).<\/li>\n<\/ul>\n<p>Son varios los argumentos que esgrime el Alto Tribunal para estimar la nulidad parcial:<\/p>\n<ul>\n<li>De acuerdo con Sentencias del TJUE, <em>\u00abno solo es necesario que las cl\u00e1usulas est\u00e9n redactadas de forma clara y comprensible, sino tambi\u00e9n que el adherente pueda tener un conocimiento real de las mismas, de forma que un consumidor informado pueda prever, sobre la base de criterios precisos y comprensibles, sus consecuencias econ\u00f3micas.\u00bb<\/em><\/li>\n<li>Con base en el art. 4.2 de la Directiva sobre cl\u00e1usulas abusivas y los arts. 60.1, 80.1 y 82.1 LGDCU, ha exigido tambi\u00e9n que las condiciones generales de los contratos concertados con los consumidores cumplan con el requisito de transparencia a que se refieren las citadas sentencias del TJUE.<\/li>\n<li><em>(\u2026) no existi\u00f3 esa informaci\u00f3n precontractual necesaria para que los prestatarios conocieran adecuadamente la naturaleza y riesgos vinculados a las <strong>cl\u00e1usulas relativas a la divisa<\/strong> en que estaba denominado el pr\u00e9stamo. <\/em><\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][vc_column_text]La Sala de lo Civil del Tribunal Supremo, en Sentencia 599\/2018 de 31 de Octubre ha estimado el recurso de [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3541,"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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