{"id":4062,"date":"2019-09-16T08:28:32","date_gmt":"2019-09-16T08:28:32","guid":{"rendered":"https:\/\/www.atoabogados.com\/?p=4062"},"modified":"2019-09-16T08:28:32","modified_gmt":"2019-09-16T08:28:32","slug":"supremo-frena-los-desahucios-con-menos-de-doce-cuotas-impagadas","status":"publish","type":"post","link":"https:\/\/staging.atoabogados.com\/?p=4062","title":{"rendered":"Supremo frena los desahucios con menos de doce cuotas impagadas"},"content":{"rendered":"<p>[vc_row][vc_column][vc_column_text]El <strong>Tribunal Supremo<\/strong> ha fijado\u00a0los criterios para aplicar en Espa\u00f1a los efectos de la <strong>nulidad<\/strong>\u00a0de las <strong>cl\u00e1usulas de vencimiento anticipado<\/strong> de los pr\u00e9stamos hipotecarios que acord\u00f3 el pasado marzo el Tribunal de Justicia de la Uni\u00f3n Europea.<\/p>\n<blockquote><p>Recordemos que el TJUE estableci\u00f3 que las\u00a0cl\u00e1usulas de vencimiento anticipado de las hipotecas \u00abdeclaradas <strong>abusivas<\/strong>\u00bb pod\u00edan ser sustituidas, a menos que el consumidor se expusiera a consecuencias que le\u00a0fueran \u00abespecialmente perjudiciales\u00bb.<\/p>\n<p>TJUE admiti\u00f3 que la cl\u00e1usula abusiva se sustituyera por los criterios que estableciera la ley vigente en cada pa\u00eds para admitir la ejecuci\u00f3n anticipada de una hipoteca.<\/p>\n<p>La norma en ese momento se\u00f1alaba que se\u00a0pod\u00eda iniciar un desahucio a partir de tres cuotas impagadas.<\/p><\/blockquote>\n<p>La nueva <strong>Ley\u00a0reguladora de los contratos de cr\u00e9dito inmobiliario<\/strong> que se aprob\u00f3 en <strong>mayo de 2019<\/strong> ya ampliaba los tiempos y la cuant\u00eda de impago, de acuerdo a lo se\u00f1alado por la Justicia europea.<\/p>\n<p>Ahora el Supremo se ha acogido a dichas medidas, ya que son m\u00e1s beneficiosas para el consumidor. El Alto Tribunal espa\u00f1ol dicta que\u00a0los procesos en que el pr\u00e9stamo se dio por vencido <strong>antes<\/strong> de la entrada en vigor de la Ley Hipotecaria de <strong>2013<\/strong>, por aplicaci\u00f3n de una cl\u00e1usula contractual reputada nula, \u00abdeber\u00edan ser <strong>sobrese\u00eddos<\/strong> sin m\u00e1s tr\u00e1mite\u00bb.<\/p>\n<p class=\"mce\">En caso de que en los procesos el pr\u00e9stamo que se dio vencido fuera <strong>posterior<\/strong> a la entrada en vigor de la normativa de <strong>2013<\/strong> \u00abdeber\u00edan ser igualmente <strong>sobrese\u00eddos<\/strong>\u00bb si el incumplimiento del deudor \u00abno re\u00fane los requisitos de gravedad y proporcionalidad exigidos por la jurisprudencia\u00bb.<\/p>\n<p class=\"mce\">La gravedad est\u00e1 marcada por los criterios que se establecen en la <strong>Ley de 2019<\/strong>\u00a0reguladora de los contratos de cr\u00e9dito inmobiliario\u00a0que los establece en\u00a0el <strong>impago de 12 cuotas<\/strong> o\u00a0el <strong>3% del capital<\/strong> que le prest\u00f3 el banco\u00a0durante la primera mitad de la duraci\u00f3n de la hipoteca\u00a0o si la cuant\u00eda no facilitada llega\u00a0al 7% del capital prestado por la entidad o 15\u00a0meses de impago si\u00a0no se abona durante la segunda mitad de la duraci\u00f3n de la hipoteca.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][vc_column_text]El Tribunal Supremo ha fijado\u00a0los criterios para aplicar en Espa\u00f1a los efectos de la nulidad\u00a0de las cl\u00e1usulas de vencimiento anticipado [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4064,"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":[11,135,20,104,49],"class_list":["post-4062","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-derecho-bancario","category-oposicion-ejecucion-hipotecaria","tag-abogado","tag-clausulas-abusivas","tag-huelva","tag-oposicion-ejecucion-hipotecaria","tag-tribunal-supremo"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v28.1) - 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