{"id":3712,"date":"2019-02-13T16:01:57","date_gmt":"2019-02-13T16:01:57","guid":{"rendered":"https:\/\/www.atoabogados.com\/?p=3712"},"modified":"2019-02-13T16:01:57","modified_gmt":"2019-02-13T16:01:57","slug":"tribunal-supremo-vuelve-a-anular-clausula-suelo-existente-en-la-hipoteca-de-una-empresa","status":"publish","type":"post","link":"https:\/\/staging.atoabogados.com\/?p=3712","title":{"rendered":"Tribunal Supremo vuelve a anular cl\u00e1usula suelo existente en la hipoteca de una empresa"},"content":{"rendered":"<p>[vc_row][vc_column][vc_column_text]Aunque la mayor\u00eda de cl\u00e1usulas suelo anuladas se refieren a consumidores y usuarios, en este caso, el <strong>Tribunal Supremo<\/strong> anula la cl\u00e1usula suelo contenida en una hipoteca de un profesional, debido a que la cl\u00e1usula no supera el <strong>control de incorporaci\u00f3n<\/strong>, porque la empresa no pudo conocer la existencia de la cl\u00e1usula suelo en el momento de la celebraci\u00f3n del contrato.<\/p>\n<p>La finalidad del pr\u00e9stamo hipotecario fue para financiar la compra de un <strong>local comercial<\/strong> para la instalaci\u00f3n de un negocio y\u00a0 la\u00a0cl\u00e1usula suelo ven\u00eda redactada en el contrato de la siguiente forma:<\/p>\n<blockquote><p><em>\u201c<strong>No obstante lo expuesto, durante la vida de esta operaci\u00f3n en la que se aplique el tipo de inter\u00e9s variable, el tipo de inter\u00e9s nominal anual resultante final tendr\u00e1 un l\u00edmite m\u00ednimo de modo que no podr\u00e1 ser inferior al tipo nominal del TRES ENTEROS Y SETENTA Y CINCO CENT\u00c9SIMAS DE ENTERO POR CIENTO ANUAL . Estos l\u00edmites m\u00e1ximo y m\u00ednimo no afectar\u00e1n en ning\u00fan caso al tipo de inter\u00e9s fijo establecido para el plazo inicial de esta operaci\u00f3n que ser\u00e1 el indicado en esta cl\u00e1usula<\/strong>\u201d.<\/em><\/p><\/blockquote>\n<p>El <strong>Tribunal Supremo<\/strong> entiende que la redacci\u00f3n de la cl\u00e1usula no tiene la <strong>suficiente claridad<\/strong>\u00a0para una comprensi\u00f3n m\u00ednima por parte del cliente, produci\u00e9ndose infracci\u00f3n del <strong>control de incorporaci\u00f3n\u00a0<\/strong>de la Ley de Condiciones Generales de la Contrataci\u00f3n.<\/p>\n<p>Recordamos que el Art\u00edculo 5 de la Ley de Condiciones Generales de la Contrataci\u00f3n (LCGC) exige que la redacci\u00f3n de las cl\u00e1usulas generales deber\u00e1 ajustarse a los criterios de <strong>transparencia, claridad, concreci\u00f3n y sencillez<\/strong>.<\/p>\n<p>Y\u00a0el Art\u00edculo 7 LCGE considera que <strong>no quedar\u00e1n incorporadas<\/strong> al contrato las condiciones generales en las que:<\/p>\n<ul>\n<li>El adherente no haya tenido oportunidad real de <strong>conocer de manera completa<\/strong> al tiempo de la celebraci\u00f3n del contrato o cuando no hayan sido firmadas, si ello fuera necesario conforme al Art. 5.<\/li>\n<li>Sean <strong>ilegibles, ambiguas, oscuras e incomprensibles<\/strong>.<\/li>\n<\/ul>\n<p>Se condena a la entidad bancaria a <strong>devolver todas las cantidades pagadas de m\u00e1s<\/strong> por la empresa desde la aplicaci\u00f3n de la cl\u00e1usula, m\u00e1s los intereses legales.[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][vc_column_text]Aunque la mayor\u00eda de cl\u00e1usulas suelo anuladas se refieren a consumidores y usuarios, en este caso, el Tribunal Supremo anula [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3714,"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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