{"id":3962,"date":"2019-07-04T11:22:07","date_gmt":"2019-07-04T11:22:07","guid":{"rendered":"https:\/\/www.atoabogados.com\/?p=3962"},"modified":"2019-07-04T11:22:07","modified_gmt":"2019-07-04T11:22:07","slug":"tjue-vuelve-a-pronunciarse-sobre-vencimiento-anticipado","status":"publish","type":"post","link":"https:\/\/staging.atoabogados.com\/?p=3962","title":{"rendered":"TJUE vuelve a pronunciarse sobre vencimiento anticipado"},"content":{"rendered":"<p>[vc_row][vc_column][vc_column_text]El Tribunal de Justicia de la Uni\u00f3n Europea se ha vuelto a pronunciar sobre las <strong>cl\u00e1usulas de vencimiento anticipado<\/strong> en los asuntos C-92 y C-167 planteados en procedimientos de ejecuci\u00f3n hipotecaria de Bankia y BBVA respectivamente.<\/p>\n<blockquote><p>\u00abLos art\u00edculos 6 y 7 de la Directiva 93\/13\/CEE del Consejo, de 5 de abril de 1993, sobre las cl\u00e1usulas abusivas en los contratos celebrados con consumidores, deben interpretarse en el sentido de que, por una parte, se oponen a que una <strong>cl\u00e1usula de vencimiento anticipado<\/strong> de un contrato de pr\u00e9stamo hipotecario declarada abusiva sea conservada parcialmente mediante la supresi\u00f3n, por el juez nacional, de los elementos que la hacen abusiva. Sin embargo, esos art\u00edculos no se oponen a que el juez nacional ponga remedio a la nulidad de tal cl\u00e1usula abusiva, cuya redacci\u00f3n est\u00e1 inspirada en una disposici\u00f3n legal aplicable en caso de convenio de las partes del contrato, sustituy\u00e9ndola por la nueva redacci\u00f3n de esta disposici\u00f3n legal introducida posteriormente a la celebraci\u00f3n del contrato, siempre que el contrato en cuesti\u00f3n no pueda subsistir en caso de supresi\u00f3n de esta cl\u00e1usula abusiva y la anulaci\u00f3n del contrato en su conjunto exponga al consumidor a consecuencias especialmente perjudiciales\u00bb.<\/p><\/blockquote>\n<p>Por tanto, los jueces <strong>no podr\u00e1n integrar el contrato<\/strong>, si \u00e9ste puede subsistir sin la cl\u00e1usula de vencimiento anticipado. No cabe la<strong>\u00a0eliminaci\u00f3n parcial<\/strong>\u00a0de la cl\u00e1usula como pretend\u00eda el Tribunal Supremo, si se declara nula por abusiva, se tiene que eliminar del contrato.<\/p>\n<p>El juez deber\u00e1<strong> preguntar al consumidor\u00a0<\/strong>si quiere seguir con el procedimiento de ejecuci\u00f3n hipotecaria o prefiere archivarlo para acudir a un procedimiento declarativo y renegociar la deuda con el banco.[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][vc_column_text]El Tribunal de Justicia de la Uni\u00f3n Europea se ha vuelto a pronunciar sobre las cl\u00e1usulas de vencimiento anticipado en [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3965,"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 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":[8,105],"tags":[11,135,136,20,137],"class_list":["post-3962","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-derecho-bancario","category-oposicion-ejecucion-hipotecaria","tag-abogado","tag-clausulas-abusivas","tag-ejecuciones-hipotecarias","tag-huelva","tag-vencimiento-anticipado"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v28.1) - 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