{"id":3734,"date":"2019-09-23T18:40:44","date_gmt":"2019-09-23T16:40:44","guid":{"rendered":"https:\/\/www.rm-assessors.cat\/la-banca-espanyola-podria-estar-obligada-a-retornar-lirph-de-les-hipoteques-als-seus-clients\/"},"modified":"2019-09-23T18:40:44","modified_gmt":"2019-09-23T16:40:44","slug":"la-banca-espanyola-podria-estar-obligada-a-retornar-lirph-de-les-hipoteques-als-seus-clients","status":"publish","type":"post","link":"https:\/\/www.rm-assessors.cat\/es\/la-banca-espanyola-podria-estar-obligada-a-retornar-lirph-de-les-hipoteques-als-seus-clients\/","title":{"rendered":"La banca espanyola podria estar obligada a retornar l\u2019IRPH de les hipoteques als seus clients"},"content":{"rendered":"<p style=\"text-align: left;\">S&#8217;acaba de con\u00e8ixer les conclusions de l&#8217;informe l&#8217;advocat general del Tribunal de Just\u00edcia de la Uni\u00f3 Europea en el sentit que\u00a0 es podria considerar abusius els pr\u00e9stecs hipotecaris referenciats al IRPH. Si finalment el Tribunal li don\u00e9s la ra\u00f3, la banca espanyola hauria de retornar una gran quantitat de diners als seus clients amb els que haguessin formalitzar hipoteques amb inter\u00e8s referenciat amb l&#8217;IRPH.<\/p>\n<p>Recordem que fa uns anys\u00a0 la banca espanyola va comen\u00e7ar a concedir hipoteques a tipus d&#8217;inter\u00e8s variable referenciades amb l&#8217;\u00edndex IRPH, que est\u00e0 relacionat amb el preu dels pr\u00e9stecs i no amb el preu del diner com es el cas de l&#8217;Euribor. L&#8217;IRPH va ser molt utilitzat en els pr\u00e9stecs hipotecaris concedits entre 2005 i 2009 per que era m\u00e9s estable que l&#8217;Euribor, per\u00f2 quan va comen\u00e7ar la crisi el 2008 i l&#8217;Euribor va comen\u00e7ar a baixar fins arribar als valors negatius actuals l&#8217;IRPH es va mantenir estable. La conseq\u00fc\u00e8ncia ha estat que els consumidors amb hipoteques referenciades al IRPH han acabat pagant molts m\u00e9s interessos que els consumidors amb hipoteques referenciades a l&#8217;Euribor, i aix\u00f2 es el que ara s&#8217;espera poder corregir amb la sent\u00e8ncia que dicti el tribunal europeu.<\/p>\n<p>Per aix\u00f2, \u00e9s convenient que les persones que tinguin una hipoteca vinculada l&#8217;IRPH (\u00edndex de refer\u00e8ncia de pr\u00e9stecs hipotecaris) estiguin atents a la sent\u00e8ncia del Tribunal de Just\u00edcia de la Uni\u00f3 Europea (TJUE), que s&#8217;espera per a finals d&#8217;aquest any o principis de 2020.<\/p>\n<p><a href=\"https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2018\/10\/shutterstock_561909265.jpg\"><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-full wp-image-2927\" src=\"https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2018\/10\/shutterstock_561909265.jpg\" alt=\"\" width=\"600\" height=\"600\" \/><\/a><\/p>\n<p><span style=\"color: #800080;\"><em><strong>Som advocats. Consulteu-nos sense comprom\u00eds trucant al 972 426 004, o per correu electr\u00f2nic adre\u00e7at a juridic@rm-assessors.cat.<\/strong><\/em><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>S&#8217;acaba de con\u00e8ixer les conclusions de l&#8217;informe l&#8217;advocat general del Tribunal de Just\u00edcia de la Uni\u00f3 Europea en el sentit que\u00a0 es podria considerar abusius els pr\u00e9stecs hipotecaris referenciats al IRPH. Si finalment el Tribunal li don\u00e9s la ra\u00f3, la banca espanyola hauria de retornar una gran quantitat de diners als seus clients amb els [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3337,"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":[21,41,17],"tags":[1335,1336,1337],"class_list":["post-3734","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-butlleti-mensual","category-destacats","category-juridica","tag-devolucio-hipoteques-irpf","tag-reclamar-contra-bancs","tag-reclamar-interessos-irph"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>La banca espanyola podria estar obligada a retornar l\u2019IRPH de les hipoteques als seus clients | RM Assessors<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rm-assessors.cat\/es\/la-banca-espanyola-podria-estar-obligada-a-retornar-lirph-de-les-hipoteques-als-seus-clients\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"La banca espanyola podria estar obligada a retornar l\u2019IRPH de les hipoteques als seus clients | RM Assessors\" \/>\n<meta property=\"og:description\" content=\"S&#8217;acaba de con\u00e8ixer les conclusions de l&#8217;informe l&#8217;advocat general del Tribunal de Just\u00edcia de la Uni\u00f3 Europea en el sentit que\u00a0 es podria considerar abusius els pr\u00e9stecs hipotecaris referenciats al IRPH. 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