{"id":1678,"date":"2016-10-13T13:17:28","date_gmt":"2016-10-13T11:17:28","guid":{"rendered":"https:\/\/www.rm-assessors.cat\/teniu-contractat-un-swap-esteu-pagant-mes-del-que-pagarieu-sense-el-swap-podeu-reclamar\/"},"modified":"2016-10-13T13:17:28","modified_gmt":"2016-10-13T11:17:28","slug":"teniu-contractat-un-swap-esteu-pagant-mes-del-que-pagarieu-sense-el-swap-podeu-reclamar","status":"publish","type":"post","link":"https:\/\/www.rm-assessors.cat\/en\/teniu-contractat-un-swap-esteu-pagant-mes-del-que-pagarieu-sense-el-swap-podeu-reclamar\/","title":{"rendered":"&#8220;TENIU CONTRACTAT UN &#8220;SWAP&#8221; ? ESTEU PAGANT M\u00c9S DEL QUE PAGAR\u00cdEU SENSE EL &#8220;SWAP&#8221; ? PODEU RECLAMAR !&#8221;"},"content":{"rendered":"<p><strong>\u00a0<\/strong>Molts cr\u00e8dits que han donat els bancs i caixes d&#8217;estalvi en els darrers anys han estat concedits a llarg termini i a interes variable. El fet que l&#8217;interes sigu\u00e9s variable va preocupar\u00a0 a molt deutors, sobre tot als que van viure \u00e8poques en que el tipus d&#8217;inter\u00e8s s&#8217;havia acostat el 20%.<\/p>\n<p>Aquesta preocupaci\u00f3 va ser aprofitada per les entitats financeres per col\u00b7locar als seus clients un producte anomenat &#8220;swap&#8221; que no es altra cosa que una asseguran\u00e7a del tipus d&#8217;inter\u00e8s. Un dels efectes d&#8217;aquesta asseguran\u00e7a es que en cas que baixes el tipus d&#8217;inter\u00e8s el client havia de pagar al banc o caixa una prima o preu equivalent a la difer\u00e8ncia entre el tipus d&#8217;inter\u00e8s vigent i el pactat en el contracte d&#8217;asseguran\u00e7a.\u00a0 Si b\u00e9 es cert que aquest producte inicialment va donar tranquil\u00b7litat als deutors, aquests s&#8217;han vist molt decebuts quan en un escenari com l&#8217;actual, d&#8217;interessos molt baixos i durant molt temps, veuen com estan pagant molt m\u00e9s de haurien pagat si no haguessin contractat el &#8220;swap&#8221;.<\/p>\n<p>Doncs b\u00e9, els tribunals de just\u00edcia han dictaminat en v\u00e0ries ocasions que el &#8220;swap&#8221; es un producte de risc i que no havent-ho avisat el banc o caixa al temps de contractar-lo la conseq\u00fc\u00e8ncia es la nul\u00b7litat del contracte amb obligaci\u00f3 de tornar al client les primes pagades.<\/p>\n<p>Per tant, <span style=\"color: #ff0000;\">s<\/span><strong><span style=\"color: #ff0000;\">i creu que ha firmat un producte financer (swap) d\u2019aquestes caracter\u00edstiques sense rebre la informaci\u00f3 necess\u00e0ria per part del banc o caixa\u00a0 i considera, per tant, que \u00e9s objecte d\u2019una producte abusiu no dubti en posar-se en contacte amb nosaltres.<\/span> <\/strong><\/p>\n<p><a href=\"https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2015\/02\/immobiliaria7_421658161.jpg\"><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-full wp-image-787\" src=\"https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2015\/02\/immobiliaria7_421658161.jpg\" alt=\"immobiliaria7\" width=\"658\" height=\"325\" srcset=\"https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2015\/02\/immobiliaria7_421658161.jpg 658w, https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2015\/02\/immobiliaria7_421658161-300x148.jpg 300w\" sizes=\"(max-width: 658px) 100vw, 658px\" \/><\/a><\/p>\n<h3><strong><em><span style=\"color: #ff00ff;\">S0m advocats, consulti&#8217;ns sense comprom\u00eds trucant al 972 426 004 o per correu electr\u00f2nic adre\u00e7at a martaromaguera@rm-assessors.cat, o a cristinaromaguera@rm-assessors.cat<\/span><\/em><br \/>\n<\/strong><\/h3>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00a0Molts cr\u00e8dits que han donat els bancs i caixes d&#8217;estalvi en els darrers anys han estat concedits a llarg termini i a interes variable. El fet que l&#8217;interes sigu\u00e9s variable va preocupar\u00a0 a molt deutors, sobre tot als que van viure \u00e8poques en que el tipus d&#8217;inter\u00e8s s&#8217;havia acostat el 20%. Aquesta preocupaci\u00f3 va ser [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":776,"comment_status":"open","ping_status":"open","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":"","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":"","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":[41,17],"tags":[495,496,497],"class_list":["post-1678","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-destacats","category-juridica","tag-asseguranca-tipus-interes","tag-reclamar-banacs-caixes","tag-reclamar-swap-hipoteques"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>&quot;TENIU CONTRACTAT UN &quot;SWAP&quot; ? 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