{"id":14349,"date":"2025-11-24T12:04:24","date_gmt":"2025-11-24T11:04:24","guid":{"rendered":"https:\/\/www.rm-assessors.cat\/?p=14349"},"modified":"2025-11-24T12:04:24","modified_gmt":"2025-11-24T11:04:24","slug":"te-una-hipoteca-amb-irph-aixo-es-el-que-ha-de-saber-avui","status":"publish","type":"post","link":"https:\/\/www.rm-assessors.cat\/en\/te-una-hipoteca-amb-irph-aixo-es-el-que-ha-de-saber-avui\/","title":{"rendered":"T\u00e9 una hipoteca amb IRPH? Aix\u00f2 \u00e9s el que ha de saber avui"},"content":{"rendered":"

<\/h1>\n

Si t\u00e9 una hipoteca referenciada a l\u2019IRPH, conv\u00e9 revisar com es va signar. El Tribunal Suprem ha deixat clar que no totes les cl\u00e0usules s\u00f3n iguals i que algunes poden examinar-se amb detall per determinar si els interessos aplicats son abusius.<\/span><\/p>\n

\n
\n<\/div>\n
\n

Durant anys, l’IRPH (\u00edndex de refer\u00e8ncia de pr\u00e9stecs hipotecaris) ha estat un d’aquests \u00edndexs que generen m\u00e9s dubtes que certeses. Molts clients se’l miraven amb desconfian\u00e7a, d’altres ni sabien que el tenien, i alguns han viscut aut\u00e8ntiques odissees intentant entendre per qu\u00e8 la seva quota pujava m\u00e9s que la del ve\u00ed. Ara, amb les \u00faltimes decisions del Tribunal Suprem (TS), per fi comencem a tenir un mapa m\u00e9s clar. I aix\u00f2 significa una cosa important: avui \u00e9s m\u00e9s senzill saber si la seva hipoteca t\u00e9 recorregut per a reclamar o si est\u00e0 aplicada correctament.<\/p>\n

Al nostre despatx fa setmanes que analitzem aquestes resolucions i hi ha una idea clau que conv\u00e9 explicar amb calma:\u00a0l’IRPH no s’anul\u00b7la autom\u00e0ticament, per\u00f2 tampoc \u00e9s v\u00e0lida sense m\u00e9s ni m\u00e9s<\/strong>. Cada cas dep\u00e8n de la informaci\u00f3 que es va lliurar al client quan va signar la hipoteca i de com estava redactada la cl\u00e0usula.<\/p>\n

Aix\u00f2, dit de forma m\u00e9s simple, significa que:<\/h3>\n
    \n
  • Pot ser que la seva hipoteca estigui b\u00e9;<\/li>\n
  • Pot ser que tingui dret a reclamar;<\/li>\n
  • O pot ser que el banc no s’expliqu\u00e9s prou i tingui opcions reals de recuperar diners<\/li>\n<\/ul>\n

    I per a saber-ho, \u00e9s imprescindible revisar la seva documentaci\u00f3.<\/p>\n

    Qu\u00e8 diu avui el Tribunal Suprem?<\/strong><\/h3>\n

    El Suprem ha deixat clar que no existeix una resposta \u00fanica: no totes les hipoteques amb IRPH s\u00f3n abusives, per\u00f2\u00a0algunes s\u00ed que poden ser-ho<\/strong>, i dep\u00e8n de si es va informar b\u00e9 el consumidor.<\/p>\n

    Els jutges estan mirant coses com:<\/p>\n

      \n
    • Si li van explicar com es calculava l’IRPH,<\/li>\n
    • Si va tenir acc\u00e9s a l’escriptura abans de signar,<\/li>\n
    • Si va entendre el diferencial, la TAE i la f\u00f3rmula de l’\u00edndex,<\/li>\n
    • Si sabia que l’IRPH funcionava de manera distinta a l’Eur\u00edbor,<\/li>\n
    • Si va rebre documentaci\u00f3 pr\u00e8via o si tot es va resumir en “signi aqu\u00ed”.<\/li>\n<\/ul>\n

      Un fet tan b\u00e0sic com haver tingut altres pr\u00e9stecs abans, o haver rebut l’escriptura uns dies abans de la signatura, pot canviar el resultat. Per aix\u00f2 insistim:\u00a0cada cas cal mirar-lo amb lupa<\/strong>.<\/p>\n

      Qu\u00e8 significa aix\u00f2?<\/strong><\/h3>\n

      Si t\u00e9 una hipoteca amb IRPH, el l\u00f2gic \u00e9s preguntar-se:\u00a0puc reclamar? Puc recuperar interessos? La meva cl\u00e0usula era transparent?<\/strong><\/p>\n

      La resposta ja no la trobem en articles generalistes o en v\u00eddeos apocal\u00edptics. La resposta la trobar\u00e0 a la seva escriptura, a la seva oferta vinculant, als papers que li van lliurar i en el que realment va poder entendre quan es vas asseure davant del notari.<\/p>\n

      Amb les noves sent\u00e8ncies, hi ha clients que:<\/p>\n

        \n
      • no podran reclamar, perqu\u00e8 el seu banc va informar correctament;<\/li>\n
      • s\u00ed que podran reclamar, perqu\u00e8 la informaci\u00f3 va ser insuficient;<\/li>\n
      • i d’altres que, encara que la cl\u00e0usula no fos del tot transparent, tampoc podran anul\u00b7lar-la si no va existir un desequilibri real en contra seu.<\/li>\n<\/ul>\n

        No tots guanyen. No tots perden. Per\u00f2 molts poden saber-ho avui amb certesa.<\/strong><\/p>\n

        Si t\u00e9 IRPH, aix\u00f2 l’interessa<\/strong><\/h3>\n

        Una revisi\u00f3 professional pot ajudar-lo a saber:<\/p>\n

          \n
        • Si la seva cl\u00e0usula compleix amb la transpar\u00e8ncia que exigeix la llei;<\/li>\n
        • Si va haver-hi falta d’informaci\u00f3 en el moment de contractar;<\/li>\n
        • Si existeix un possible desequilibri econ\u00f2mic;<\/li>\n
        • Quant podria recuperar si l’\u00edndex fos declarat nul en el seu cas;<\/li>\n
        • I si realment val la pena iniciar la reclamaci\u00f3 o no.<\/li>\n<\/ul>\n

          No tots els casos justifiquen una demanda, per\u00f2 els que s\u00ed que tenen recorregut solen tenir imports importants en joc.<\/p>\n

          En qu\u00e8 el podem ajudar<\/strong><\/h3>\n

          El nostre equip analitza la seva hipoteca:<\/p>\n

            \n
          • Revisem tota la documentaci\u00f3,<\/li>\n
          • Estudiem si encaixa en els sup\u00f2sits que els tribunals consideren reclamables,<\/li>\n
          • I li diem de manera clara si val la pena continuar endavant.<\/li>\n<\/ul>\n

            Sense tecnicismes absurds. Sense falses expectatives. Nom\u00e9s una resposta clara sobre el seu cas real.<\/strong><\/p>\n

            Tenir o no tenir dret a reclamar no \u00e9s q\u00fcesti\u00f3 de sort. \u00c9s q\u00fcesti\u00f3 de com es va informar el client, quina documentaci\u00f3 va rebre i qu\u00e8 va entendre.<\/p>\n

            Si t\u00e9 una hipoteca amb IRPH -o si creu que la t\u00e9-, el m\u00e9s prudent \u00e9s revisar-la ara, amb els criteris que estan aplicant els tribunals. A vegades la difer\u00e8ncia entre reclamar o no reclamar \u00e9s en un par\u00e0graf de l’escriptura que passa desapercebut.<\/p>\n

            \"\"<\/p>\n

            Es poden posar en contacte amb RM ASSESSORS per qualsevol dubte o aclariment que puguin tenir sobre aquesta q\u00fcesti\u00f3, trucant al 972 208 258, o per correu electr\u00f2nic adre\u00e7at a info@rm-assessors.cat.\u00a0<\/span><\/em><\/h5>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

            Si t\u00e9 una hipoteca referenciada a l\u2019IRPH, conv\u00e9 revisar com es va signar. El Tribunal Suprem ha deixat clar que no totes les cl\u00e0usules s\u00f3n iguals i que algunes poden examinar-se amb detall per determinar si els interessos aplicats son abusius. Durant anys, l’IRPH (\u00edndex de refer\u00e8ncia de pr\u00e9stecs hipotecaris) ha estat un d’aquests \u00edndexs […]<\/p>\n","protected":false},"author":3,"featured_media":11602,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"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":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"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":""},"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-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":"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":""},"mobile":{"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":""}},"_joinchat":[],"footnotes":""},"categories":[21,17],"tags":[1465,3221,3222],"class_list":["post-14349","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-butlleti-mensual","category-juridica","tag-devolucio-interessos-hipoteca","tag-hipoteques-amb-irph","tag-reclamacio-bancs-hipoteques"],"acf":[],"yoast_head":"\nT\u00e9 una hipoteca amb IRPH? 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