{"id":3649,"date":"2018-12-27T17:27:37","date_gmt":"2018-12-27T17:27:37","guid":{"rendered":"https:\/\/www.atoabogados.com\/?p=3649"},"modified":"2018-12-27T17:27:37","modified_gmt":"2018-12-27T17:27:37","slug":"irph-en-espera-de-que-se-pronuncie-la-justicia-europea-en-2019","status":"publish","type":"post","link":"https:\/\/staging.atoabogados.com\/?p=3649","title":{"rendered":"IRPH: en espera de que se pronuncie la justicia europea en 2019"},"content":{"rendered":"<p>[vc_row][vc_column][vc_column_text]Durante el pr\u00f3ximo a\u00f1o 2019 se conocer\u00e1 la decisi\u00f3n del <strong>Tribunal de Justicia de la Uni\u00f3n Europea<\/strong> sobre las <strong>cl\u00e1usulas IRPH<\/strong>, \u00cdndice de Referencia de Prestamo Hipotecario, en las hipotecas.<\/p>\n<p>Recordamos que el Tribunal Supremo sentenci\u00f3 a finales de 2017 que el IRPH era un \u00edndice de referencia m\u00e1s, equiparable a Euribor y que la simple referencia en la hipoteca a este \u00edndice no implicaba falta de transparencia ni abusividad. Sin embargo, la <strong>Comisi\u00f3n Europea<\/strong> en informe hecho p\u00fablico en septiembre de 2018 contradijo al Alto Tribunal espa\u00f1ol,\u00a0concluyendo que la cl\u00e1usula IRPH puede anularse de la hipoteca si no se comercializ\u00f3 con la debida transparencia.[\/vc_column_text][vc_cta h2=\u00bbLa Comisi\u00f3n Europea informa que la cl\u00e1usula IRPH puede anularse por falta de transparencia\u00bb color=\u00bbpeacoc\u00bb add_button=\u00bbbottom\u00bb btn_title=\u00bbCONSULTAR NOTICIA PUBLICADA EN SEPTIEMBRE 2018&#8243; btn_link=\u00bburl:https%3A%2F%2Fwww.atoabogados.com%2Fla-comision-europea-informa-que-la-clausula-irph-puede-anularse-por-falta-de-transparencia%2F|||\u00bb][\/vc_cta][vc_column_text]Ante la posibilidad de que el TJUE, como en el caso de otras cl\u00e1usulas abusivas, de la raz\u00f3n finalmente a los consumidores, algunos bancos est\u00e1n ofreciendo <strong>acuerdos<\/strong> consistentes en <strong>eliminar<\/strong> dicha cl\u00e1usula del contrato de pr\u00e9stamo con garant\u00eda hipotecaria y aceptar a cambio un <strong>tipo de inter\u00e9s fijo<\/strong> para el resto de vida del pr\u00e9stamo.<\/p>\n<blockquote><p>Hay que tener en cuenta que, en relaci\u00f3n con las cl\u00e1usulas suelo, el Tribunal Supremo ya declar\u00f3 que los acuerdos de eliminaci\u00f3n de dichas cl\u00e1usulas del contrato, supon\u00edan una convalidaci\u00f3n o subsanaci\u00f3n de dicha cl\u00e1usula abusiva y, por tanto, el cliente no pueda iniciar una posterior reclamaci\u00f3n judicial o extrajudicial de las cantidades pagadas de m\u00e1s como consecuencia de la aplicaci\u00f3n de dicha cl\u00e1usula.<\/p><\/blockquote>\n<p>Es por ello que aconsejamos <strong>esperar<\/strong> antes de firmar un acuerdo extrajudicial con el banco.[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][vc_column_text]Durante el pr\u00f3ximo a\u00f1o 2019 se conocer\u00e1 la decisi\u00f3n del Tribunal de Justicia de la Uni\u00f3n Europea sobre las cl\u00e1usulas [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3436,"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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