{"id":4192,"date":"2019-10-25T11:10:55","date_gmt":"2019-10-25T11:10:55","guid":{"rendered":"https:\/\/www.atoabogados.com\/?p=4192"},"modified":"2019-10-25T11:10:55","modified_gmt":"2019-10-25T11:10:55","slug":"nulidad-clausula-multidivisa-bankinter","status":"publish","type":"post","link":"https:\/\/staging.atoabogados.com\/?p=4192","title":{"rendered":"Audiencia Provincial de Huelva anula cl\u00e1usula multidivisa de hipoteca de Bankinter"},"content":{"rendered":"<p>[vc_row][vc_column][vc_column_text]La <strong>Audiencia Provincial <\/strong>de Huelva <strong>desestima<\/strong> el recurso de apelaci\u00f3n interpuesto por la entidad <strong>Bankinter<\/strong> contra la Sentencia dictada el pasado mes de octubre de 2018 por el Juzgado de Primera Instancia n\u00ba 6 bis de Huelva que se <strong>confirma, <\/strong>la cual declara la <strong>nulidad parcial<\/strong> del pr\u00e9stamo hipotecario suscrito en 2008, en todos los contenidos relativos a la opci\u00f3n <strong>multidivisa.<\/strong><\/p>\n<p><strong><em>Antecedentes<\/em><\/strong><\/p>\n<p>En junio de 2008, los clientes solicitaron al banco un pr\u00e9stamo hipotecario por valor de 130.000 \u20ac, que la entidad recomend\u00f3 suscribir en moneda extranjera, concretamente en<strong>\u00a0yenes japoneses<\/strong>, sin que en ning\u00fan momento se explicasen las posibles variaciones de los <strong>tipos de cambio<\/strong> y los <strong>riesgos<\/strong> inherentes que eso conlleva.<\/p>\n<p>A pesar de haber estado pagando durante cuatro a\u00f1os, no s\u00f3lo no se hab\u00eda amortizado principal ninguno, sino que la deuda hab\u00eda aumentado hasta los 180.000 euros. Ante esta situaci\u00f3n el cliente deja de pagar y el banco present\u00f3 demanda de <strong>ejecuci\u00f3n hipotecaria<\/strong>, ante la cual se aleg\u00f3 la <strong>abusividad<\/strong> del clausulado multidivisa, que la jueza de la ejecuci\u00f3n no declar\u00f3 abusiva.<\/p>\n<p>Ante tal fallo, desde nuestro bufete iniciamos nuevo procedimiento ordinario solicitando la <strong>nulidad parcial<\/strong> del pr\u00e9stamo hipotecario en lo concerniente a las cl\u00e1usulas multidivisa y solicitando recalcular y rehacer el cuadro de amortizaci\u00f3n del pr\u00e9stamo en <strong>euros, <\/strong>estimando la demandael Juzgado de Primera Instancia n\u00ba 6 bis .<\/p>\n<p>Esta resoluci\u00f3n es la que Bankinter recurre y ahora, la Audiencia Provincial de Huelva vuelve a dar la raz\u00f3n a los consumidores y desestima dicho recurso de apelaci\u00f3n del banco.<\/p>\n<p><em><strong>Consecuencias de la nulidad<\/strong><\/em><\/p>\n<p>La nulidad parcial conlleva la consideraci\u00f3n de que la <strong>cantidad adeudada<\/strong> por los afectados es el saldo vivo de la hipoteca <strong>referenciado a euros<\/strong>,\u00a0resultante de disminuir al importe prestado en euros, la cantidad amortizadas tambi\u00e9n en euros, en concepto de principal e intereses, entendiendo que el pr\u00e9stamo lo fue de 130.000 euros y que las amortizaciones deben realizarse tambi\u00e9n en euros, utilizando como tipo de inter\u00e9s la misma referencia fijada en la escritura (<strong>EURIBOR +0,50<\/strong>), estando obligada la demanda a recalcular y rehacer el cuadro de amortizaci\u00f3n del pr\u00e9stamo conforme a dichos par\u00e1metros.[\/vc_column_text][vc_video link=\u00bbhttps:\/\/youtu.be\/C4dhwKNkoBo\u00bb align=\u00bbright\u00bb title=\u00bbREPERCUSI\u00d3N EN MEDIOS DE LA NOTICIA\u00bb][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][vc_column_text]La Audiencia Provincial de Huelva desestima el recurso de apelaci\u00f3n interpuesto por la entidad Bankinter contra la Sentencia dictada el [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4188,"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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