{"id":3788,"date":"2019-03-20T12:36:48","date_gmt":"2019-03-20T12:36:48","guid":{"rendered":"https:\/\/www.atoabogados.com\/?p=3788"},"modified":"2019-03-20T12:36:48","modified_gmt":"2019-03-20T12:36:48","slug":"tribunal-supremo-considera-que-informar-por-email-a-clientes-sobre-clausula-suelo-no-supera-test-de-transparencia","status":"publish","type":"post","link":"https:\/\/staging.atoabogados.com\/?p=3788","title":{"rendered":"Tribunal Supremo considera que informar por email a clientes sobre cl\u00e1usula suelo, no supera test de transparencia"},"content":{"rendered":"<p>[vc_row][vc_column][vc_column_text]La Sala de lo Civil del <strong>Tribunal Supremo<\/strong> ha emitido recientemente dos Sentencias en las que anula, por abusivas, las <strong>cl\u00e1usulas suelo<\/strong>\u00a0en sendos contratos de pr\u00e9stamos hipotecarios, por considerar que la informaci\u00f3n precontractual facilitada a los clientes, a trav\u00e9s de<strong> correos electr\u00f3nicos,<\/strong> es totalmente insuficiente y no supera el <strong>test de transparencia <\/strong>exigible a las entidades bancarias en los contratos firmados por consumidores.<\/p>\n<p>Las entidades financieras afirmaban que en dichos emails, con dos meses de antelaci\u00f3n a la firma, informaron convenientemente a los clientes de las condiciones de la hipoteca y, en particular, del establecimiento de un l\u00edmite a la baja del tipo de inter\u00e9s a pagar para la devoluci\u00f3n del pr\u00e9stamo.<\/p>\n<p>Sin embargo, el Tribunal Supremo explica en ambos recursos, que el banco\u00a0debe <strong>extremar la transparencia<\/strong> de estos correos electr\u00f3nicos, de manera que los clientes <strong>comprendan antes de contratar la carga econ\u00f3mica y jur\u00eddica<\/strong> que comporta la firma de la hipoteca.<\/p>\n<p>Del examen de los correos aportados se desprende que la cl\u00e1usula impugnada quedaba <strong>\u00abenmascarada\u00bb <\/strong>entre las condiciones de la operaci\u00f3n.<\/p>\n<blockquote><p>La reci\u00e9n publicada Ley 5\/2019, de 15 de marzo, reguladora de los contratos de cr\u00e9dito inmobiliario <strong>proh\u00edbe la incorporaci\u00f3n de cl\u00e1usulas suelo<\/strong> en las hipotecas firmadas a partir del pr\u00f3ximo 16 de junio.<\/p><\/blockquote>\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 ha emitido recientemente dos Sentencias en las que anula, por abusivas, las [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3790,"comment_status":"closed","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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