{"id":4155,"date":"2020-03-13T15:04:22","date_gmt":"2020-03-13T13:04:22","guid":{"rendered":"https:\/\/www.rm-assessors.cat\/si-teniu-o-si-heu-tingut-una-hipoteca-indexada-amb-lirph-podeu-demanar-que-us-tornin-els-interessos-pagats-de-mes\/"},"modified":"2020-03-13T15:04:22","modified_gmt":"2020-03-13T13:04:22","slug":"si-teniu-o-si-heu-tingut-una-hipoteca-indexada-amb-lirph-podeu-demanar-que-us-tornin-els-interessos-pagats-de-mes","status":"publish","type":"post","link":"https:\/\/www.rm-assessors.cat\/es\/si-teniu-o-si-heu-tingut-una-hipoteca-indexada-amb-lirph-podeu-demanar-que-us-tornin-els-interessos-pagats-de-mes\/","title":{"rendered":"Si teniu o si heu tingut una hipoteca indexada amb l&#8217;IRPH, podeu demanar que us tornin els interessos pagats de m\u00e9s."},"content":{"rendered":"<p>La Sala Gran del Tribunal de Just\u00edcia de la Uni\u00f3 Europea (TJUE) acaba de dictar la<span style=\"color: #ff0000;\"> <a href=\"http:\/\/curia.europa.eu\/juris\/document\/document.jsf?text=&amp;docid=223983&amp;pageIndex=0&amp;doclang=es&amp;mode=req&amp;dir=&amp;occ=first&amp;part=1&amp;cid=130221\"><em><span style=\"color: #ff0000;\">sent\u00e8ncia SP\/SENT\/1038301<\/span><\/em><\/a>, <\/span>que obra la porta a que es retorni els interessos pagats de m\u00e9s a les persones que tinguin i que hagin tingut hipoteques indexades amb l&#8217;IRPH.<\/p>\n<p>l&#8217;IRPH es un \u00edndex de tipus d&#8217;inter\u00e8s de pr\u00e9stecs hipotecaris que es va comen\u00e7ar a aplicar el 1994 i que va ser l&#8217;\u00edndex utilitzat en el 10% de les hipoteques en lloc de l&#8217;\u00edndex m\u00e9s habitual, que sempre ha estat l&#8217;Euribor.<\/p>\n<p>Destaquem el seg\u00fcent:<\/p>\n<p><strong><span style=\"color: #ff0000;\">Qui podr\u00e0 reclamar ?<\/span> <\/strong><\/p>\n<ul>\n<li>Les persones que estiguin pagant actualment una hipotecada indexada amb l&#8217;IRPH.<\/li>\n<li>Les persones que haguessin tingut anteriorment una hipoteca indexada amb l&#8217;IRPH, i que no faci m\u00e9s de 10 anys de la seva total amortitzaci\u00f3.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"color: #ff0000;\">Quin import es podr\u00e0 reclamar ?<\/span> <\/strong><\/p>\n<ul>\n<li>La difer\u00e8ncia entre els interessos pagats en base a l&#8217;\u00edndex IRPF i els que correspondria haver aplicat en funci\u00f3 d&#8217;un altre \u00edndex m\u00e9s habitual com es l&#8217;Euribor. Les associacions de consumidors consideren que aquest diferencial pot estar entre 15.000 i 20.000 euros.<\/li>\n<li>Les costes del procediment, en quin cas el banc hauria de retornar al seu client les despeses que l&#8217;hi hagu\u00e9s ocasionat el procediment judicial per reclamar.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"color: #ff0000;\"><strong>Quin es el procediment a seguir ?<\/strong><\/span><\/p>\n<ul>\n<li>Es aconsellable presentar una pr\u00e8via reclamaci\u00f3 al servei d&#8217;atenci\u00f3 al client de l&#8217;entitat financera, per\u00f2 sense acceptar cap comprom\u00eds de ren\u00fancia a accions judicials.<\/li>\n<li>Interposar una demanda judicial en cas de silenci o negativa de la reclamaci\u00f3 pr\u00e8via.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"color: #ff0000;\">Quines son les possibilitats d&#8217;\u00e8xit ?<\/span> <\/strong>El jutjat hauria de decidir en cada cas si la cl\u00e0usula de l&#8217;IRPH es abusiva, per\u00f2 ser\u00e0 el banc qui haur\u00e0 de demostrar en el jutjat que abans de formalitzar el pr\u00e9stec varen informar el seu client de l&#8217;evoluci\u00f3 de l&#8217;IRPH en els dos anys anteriors i del seu darrer valor publicat. Es considera por probable que el banc hi pugui justificar.<\/p>\n<p><a href=\"https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2019\/02\/shutterstock_1277870449.jpg\"><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-full wp-image-3328\" src=\"https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2019\/02\/shutterstock_1277870449.jpg\" alt=\"\" width=\"600\" height=\"600\" \/><\/a><\/p>\n<p><span style=\"color: #0000ff;\"><em><strong>Som advocats i estem especialitzats en reclamacions a entitats financeres. 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<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La Sala Gran del Tribunal de Just\u00edcia de la Uni\u00f3 Europea (TJUE) acaba de dictar la sent\u00e8ncia SP\/SENT\/1038301, que obra la porta a que es retorni els interessos pagats de m\u00e9s a les persones que tinguin i que hagin tingut hipoteques indexades amb l&#8217;IRPH. l&#8217;IRPH es un \u00edndex de tipus d&#8217;inter\u00e8s de pr\u00e9stecs hipotecaris que [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3358,"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 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