{"id":7920,"date":"2016-12-03T06:54:03","date_gmt":"2016-12-03T06:54:03","guid":{"rendered":"http:\/\/www.montsedamianabogada.com\/ca\/?page_id=7920"},"modified":"2017-01-11T10:19:50","modified_gmt":"2017-01-11T10:19:50","slug":"clausules-sol-hipoteca","status":"publish","type":"page","link":"https:\/\/www.montsedamianabogada.com\/ca\/clausules-sol-hipoteca\/","title":{"rendered":"Cl\u00e0usules s\u00f2l hipoteca"},"content":{"rendered":"<p>[vc_row][vc_column width=&#8221;1\/3&#8243;]<div class=\"ult-spacer spacer-69e14d907ec86\" data-id=\"69e14d907ec86\" data-height=\"50\" data-height-mobile=\"50\" data-height-tab=\"50\" data-height-tab-portrait=\"\" data-height-mobile-landscape=\"\" style=\"clear:both;display:block;\"><\/div>[vc_single_image image=&#8221;7925&#8243; img_size=&#8221;full&#8221;][\/vc_column][vc_column width=&#8221;2\/3&#8243; el_class=&#8221;justify&#8221;]<div class=\"ult-spacer spacer-69e14d907ec95\" data-id=\"69e14d907ec95\" data-height=\"80\" data-height-mobile=\"80\" data-height-tab=\"80\" data-height-tab-portrait=\"\" data-height-mobile-landscape=\"\" style=\"clear:both;display:block;\"><\/div>[vc_column_text]Per desgr\u00e0cia actualment a tots ens sonen aquests noms respecte de cl\u00e0usules s\u00f2l, vol, abusives\u2026. Que probablement estiguin contingudes en les escriptures d\u2019hipoteques i altres contractes bancaris que en el seu dia v\u00e0rem poder signar sense el coneixement suficient en relaci\u00f3 al seu abast.<\/p>\n<p>Saber si podem reclamar la nul\u00b7litat de referides cl\u00e0usules o incl\u00fas de tot el contracte i demanar aix\u00ed la devoluci\u00f3 del que s\u2019hagu\u00e9s abonat fins a la data, per una aplicaci\u00f3 indeguda d\u2019aquelles, es tracta de q\u00fcestions que ens pot consultar.<\/p>\n<p>Davant l\u2019hegemonia dels bancs i altres operadors econ\u00f2mics, que en moltes ocasions han abusat de la seva situaci\u00f3 de supremacia, hauria d\u2019aixecar-se, sense temor, el consumidor i usuari, \u00e9s a dir vost\u00e8, per tal de reclamar els danys i perjudicis que li hagin ocasionant. Per tal d\u2019estudiar si s\u00f3n m\u00ednimament viables llurs reclamacions, \u00e9s que es torna indispensable\u00a0 examinar detingudament tota la documentaci\u00f3 i circumst\u00e0ncies, m\u00e9s davant la dificultat per interpretar-la, tornant-se aix\u00ed imprescindible consultar-nos.[\/vc_column_text]<div class=\"ult-spacer spacer-69e14d907eca0\" data-id=\"69e14d907eca0\" data-height=\"60\" data-height-mobile=\"60\" data-height-tab=\"60\" data-height-tab-portrait=\"\" data-height-mobile-landscape=\"\" style=\"clear:both;display:block;\"><\/div>[\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; bg_type=&#8221;bg_color&#8221; bg_color_value=&#8221;#f3efed&#8221;][vc_column]<div class=\"ult-spacer spacer-69e14d907ecab\" data-id=\"69e14d907ecab\" data-height=\"60\" data-height-mobile=\"60\" data-height-tab=\"60\" data-height-tab-portrait=\"\" data-height-mobile-landscape=\"\" style=\"clear:both;display:block;\"><\/div><div id=\"ultimate-heading-467769e14d907ecc3\" class=\"uvc-heading ult-adjust-bottom-margin ultimate-heading-467769e14d907ecc3 uvc-1690 \" data-hspacer=\"line_only\"  data-halign=\"left\" style=\"text-align:left\"><div class=\"uvc-main-heading ult-responsive\"  data-ultimate-target='.uvc-heading.ultimate-heading-467769e14d907ecc3 h2'  data-responsive-json-new='{\"font-size\":\"\",\"line-height\":\"\"}' ><h2 style=\"font-weight:normal;\">Dret bancari<\/h2><\/div><div class=\"uvc-heading-spacer line_only\" style=\"topheight:2px;\"><span class=\"uvc-headings-line\" style=\"border-style:solid;border-bottom-width:2px;border-color:#661414;width:80px;\"><\/span><\/div><\/div><div class=\"ult-spacer spacer-69e14d907ecd6\" data-id=\"69e14d907ecd6\" data-height=\"30\" data-height-mobile=\"30\" data-height-tab=\"30\" data-height-tab-portrait=\"\" data-height-mobile-landscape=\"\" style=\"clear:both;display:block;\"><\/div>[\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; bg_type=&#8221;bg_color&#8221; bg_color_value=&#8221;#f3efed&#8221;][vc_column width=&#8221;1\/2&#8243; el_class=&#8221;justify&#8221; css=&#8221;.vc_custom_1480499747878{padding-right: 50px !important;}&#8221;]<div class=\"aio-icon-component   style_1 upper_icon_index-0\"><div id=\"Info-box-wrap-1732\" class=\"aio-icon-box default-icon\" style=\"\"  ><div class=\"aio-icon-default\"><div class=\"ult-just-icon-wrapper  \"><div class=\"align-icon\" style=\"text-align:center;\">\n<div class=\"aio-icon none \" data-animation=\"fadeIn\" data-animation-delay=\"03\" style=\"color:#661414;font-size:18px;display:inline-block;\">\n\t<i class=\"line-icons-check-square\"><\/i>\n<\/div><\/div><\/div><\/div><div class=\"aio-icon-header\" ><h3 class=\"aio-icon-title ult-responsive\"  data-ultimate-target='#Info-box-wrap-1732 .aio-icon-title'  data-responsive-json-new='{\"font-size\":\"\",\"line-height\":\"\"}'  style=\"\">Paralitzaci\u00f3 de subastes i execucions hipotec\u00e0ries.<\/h3><\/div> <!-- header --><\/div> <!-- aio-icon-box --><\/div> <!-- aio-icon-component --><style>#Info-box-wrap-1732 .aio-icon:after{box-shadow: 0 0 0 2px #ffffff !important;}<\/style><div class=\"ult-spacer spacer-69e14d907ed7a\" data-id=\"69e14d907ed7a\" data-height=\"15\" data-height-mobile=\"15\" data-height-tab=\"15\" data-height-tab-portrait=\"\" data-height-mobile-landscape=\"\" style=\"clear:both;display:block;\"><\/div><div class=\"aio-icon-component   style_1 upper_icon_index-0\"><div id=\"Info-box-wrap-2449\" class=\"aio-icon-box default-icon\" style=\"\"  ><div class=\"aio-icon-default\"><div class=\"ult-just-icon-wrapper  \"><div class=\"align-icon\" style=\"text-align:center;\">\n<div class=\"aio-icon none \" data-animation=\"fadeIn\" data-animation-delay=\"03\" style=\"color:#661414;font-size:18px;display:inline-block;\">\n\t<i class=\"line-icons-check-square\"><\/i>\n<\/div><\/div><\/div><\/div><div class=\"aio-icon-header\" ><h3 class=\"aio-icon-title ult-responsive\"  data-ultimate-target='#Info-box-wrap-2449 .aio-icon-title'  data-responsive-json-new='{\"font-size\":\"\",\"line-height\":\"\"}'  style=\"\">Participacions preferents, obligacions subordinades i swaps.<\/h3><\/div> <!-- header --><\/div> <!-- aio-icon-box --><\/div> <!-- aio-icon-component --><style>#Info-box-wrap-2449 .aio-icon:after{box-shadow: 0 0 0 2px #ffffff !important;}<\/style><div class=\"ult-spacer spacer-69e14d907edc7\" data-id=\"69e14d907edc7\" data-height=\"15\" data-height-mobile=\"15\" data-height-tab=\"15\" data-height-tab-portrait=\"\" data-height-mobile-landscape=\"\" style=\"clear:both;display:block;\"><\/div><div class=\"aio-icon-component   style_1 upper_icon_index-0\"><div id=\"Info-box-wrap-9109\" class=\"aio-icon-box default-icon\" style=\"\"  ><div class=\"aio-icon-default\"><div class=\"ult-just-icon-wrapper  \"><div class=\"align-icon\" style=\"text-align:center;\">\n<div class=\"aio-icon none \" data-animation=\"fadeIn\" data-animation-delay=\"03\" style=\"color:#661414;font-size:18px;display:inline-block;\">\n\t<i class=\"line-icons-check-square\"><\/i>\n<\/div><\/div><\/div><\/div><div class=\"aio-icon-header\" ><h3 class=\"aio-icon-title ult-responsive\"  data-ultimate-target='#Info-box-wrap-9109 .aio-icon-title'  data-responsive-json-new='{\"font-size\":\"\",\"line-height\":\"\"}'  style=\"\">Nul.litat de cl\u00e0usules hipotec\u00e0ries: vol, s\u00f2l, inter\u00e9s moratori abusiu\u2026<\/h3><\/div> <!-- header --><\/div> <!-- aio-icon-box --><\/div> <!-- aio-icon-component --><style>#Info-box-wrap-9109 .aio-icon:after{box-shadow: 0 0 0 2px #ffffff !important;}<\/style><div class=\"ult-spacer spacer-69e14d907ee0f\" data-id=\"69e14d907ee0f\" data-height=\"15\" data-height-mobile=\"15\" data-height-tab=\"15\" data-height-tab-portrait=\"\" data-height-mobile-landscape=\"\" style=\"clear:both;display:block;\"><\/div><div class=\"aio-icon-component   style_1 upper_icon_index-0\"><div id=\"Info-box-wrap-2578\" class=\"aio-icon-box default-icon\" style=\"\"  ><div class=\"aio-icon-default\"><div class=\"ult-just-icon-wrapper  \"><div class=\"align-icon\" style=\"text-align:center;\">\n<div class=\"aio-icon none \" data-animation=\"fadeIn\" data-animation-delay=\"03\" style=\"color:#661414;font-size:18px;display:inline-block;\">\n\t<i class=\"line-icons-check-square\"><\/i>\n<\/div><\/div><\/div><\/div><div class=\"aio-icon-header\" ><h3 class=\"aio-icon-title ult-responsive\"  data-ultimate-target='#Info-box-wrap-2578 .aio-icon-title'  data-responsive-json-new='{\"font-size\":\"\",\"line-height\":\"\"}'  style=\"\">Comissions banc\u00e0ries abusives.<\/h3><\/div> <!-- header --><\/div> <!-- aio-icon-box --><\/div> <!-- aio-icon-component --><style>#Info-box-wrap-2578 .aio-icon:after{box-shadow: 0 0 0 2px #ffffff !important;}<\/style><div class=\"ult-spacer spacer-69e14d907ee53\" data-id=\"69e14d907ee53\" data-height=\"15\" data-height-mobile=\"15\" data-height-tab=\"15\" data-height-tab-portrait=\"\" data-height-mobile-landscape=\"\" style=\"clear:both;display:block;\"><\/div>[\/vc_column][vc_column width=&#8221;1\/2&#8243; el_class=&#8221;justify&#8221; css=&#8221;.vc_custom_1480499753809{padding-right: 50px !important;}&#8221;]<div class=\"aio-icon-component   style_1 upper_icon_index-0\"><div id=\"Info-box-wrap-1453\" class=\"aio-icon-box default-icon\" style=\"\"  ><div class=\"aio-icon-default\"><div class=\"ult-just-icon-wrapper  \"><div class=\"align-icon\" style=\"text-align:center;\">\n<div class=\"aio-icon none \" data-animation=\"fadeIn\" data-animation-delay=\"03\" style=\"color:#661414;font-size:18px;display:inline-block;\">\n\t<i class=\"line-icons-check-square\"><\/i>\n<\/div><\/div><\/div><\/div><div class=\"aio-icon-header\" ><h3 class=\"aio-icon-title ult-responsive\"  data-ultimate-target='#Info-box-wrap-1453 .aio-icon-title'  data-responsive-json-new='{\"font-size\":\"\",\"line-height\":\"\"}'  style=\"\">Accions de bankia.<\/h3><\/div> <!-- header --><\/div> <!-- aio-icon-box --><\/div> <!-- aio-icon-component --><style>#Info-box-wrap-1453 .aio-icon:after{box-shadow: 0 0 0 2px #ffffff !important;}<\/style><div class=\"ult-spacer spacer-69e14d907ee96\" data-id=\"69e14d907ee96\" data-height=\"15\" data-height-mobile=\"15\" data-height-tab=\"15\" data-height-tab-portrait=\"\" data-height-mobile-landscape=\"\" style=\"clear:both;display:block;\"><\/div><div class=\"aio-icon-component   style_1 upper_icon_index-0\"><div id=\"Info-box-wrap-9018\" class=\"aio-icon-box default-icon\" style=\"\"  ><div class=\"aio-icon-default\"><div class=\"ult-just-icon-wrapper  \"><div class=\"align-icon\" style=\"text-align:center;\">\n<div class=\"aio-icon none \" data-animation=\"fadeIn\" data-animation-delay=\"03\" style=\"color:#661414;font-size:18px;display:inline-block;\">\n\t<i class=\"line-icons-check-square\"><\/i>\n<\/div><\/div><\/div><\/div><div class=\"aio-icon-header\" ><h3 class=\"aio-icon-title ult-responsive\"  data-ultimate-target='#Info-box-wrap-9018 .aio-icon-title'  data-responsive-json-new='{\"font-size\":\"\",\"line-height\":\"\"}'  style=\"\">Nul-litat d\u2019hipoteques per tasacions incorrectes.<\/h3><\/div> <!-- header --><\/div> <!-- aio-icon-box --><\/div> <!-- aio-icon-component --><style>#Info-box-wrap-9018 .aio-icon:after{box-shadow: 0 0 0 2px #ffffff !important;}<\/style><div class=\"ult-spacer spacer-69e14d907eed8\" data-id=\"69e14d907eed8\" data-height=\"15\" data-height-mobile=\"15\" data-height-tab=\"15\" data-height-tab-portrait=\"\" data-height-mobile-landscape=\"\" style=\"clear:both;display:block;\"><\/div><div class=\"aio-icon-component   style_1 upper_icon_index-0\"><div id=\"Info-box-wrap-6960\" class=\"aio-icon-box default-icon\" style=\"\"  ><div class=\"aio-icon-default\"><div class=\"ult-just-icon-wrapper  \"><div class=\"align-icon\" style=\"text-align:center;\">\n<div class=\"aio-icon none \" data-animation=\"fadeIn\" data-animation-delay=\"03\" style=\"color:#661414;font-size:18px;display:inline-block;\">\n\t<i class=\"line-icons-check-square\"><\/i>\n<\/div><\/div><\/div><\/div><div class=\"aio-icon-header\" ><h3 class=\"aio-icon-title ult-responsive\"  data-ultimate-target='#Info-box-wrap-6960 .aio-icon-title'  data-responsive-json-new='{\"font-size\":\"\",\"line-height\":\"\"}'  style=\"\">Titulitzacions d\u2019hipoteques.<\/h3><\/div> <!-- header --><\/div> <!-- aio-icon-box --><\/div> <!-- aio-icon-component --><style>#Info-box-wrap-6960 .aio-icon:after{box-shadow: 0 0 0 2px #ffffff !important;}<\/style><div class=\"ult-spacer spacer-69e14d907ef18\" data-id=\"69e14d907ef18\" data-height=\"15\" data-height-mobile=\"15\" data-height-tab=\"15\" data-height-tab-portrait=\"\" data-height-mobile-landscape=\"\" style=\"clear:both;display:block;\"><\/div><div class=\"aio-icon-component   style_1 upper_icon_index-0\"><div id=\"Info-box-wrap-7777\" class=\"aio-icon-box default-icon\" style=\"\"  ><div class=\"aio-icon-default\"><div class=\"ult-just-icon-wrapper  \"><div class=\"align-icon\" style=\"text-align:center;\">\n<div class=\"aio-icon none \" data-animation=\"fadeIn\" data-animation-delay=\"03\" style=\"color:#661414;font-size:18px;display:inline-block;\">\n\t<i class=\"line-icons-check-square\"><\/i>\n<\/div><\/div><\/div><\/div><div class=\"aio-icon-header\" ><h3 class=\"aio-icon-title ult-responsive\"  data-ultimate-target='#Info-box-wrap-7777 .aio-icon-title'  data-responsive-json-new='{\"font-size\":\"\",\"line-height\":\"\"}'  style=\"\">Assessorament i reclamaci\u00f3 per mala praxis banc\u00e0ria.<\/h3><\/div> <!-- header --><\/div> <!-- aio-icon-box --><\/div> <!-- aio-icon-component --><style>#Info-box-wrap-7777 .aio-icon:after{box-shadow: 0 0 0 2px #ffffff !important;}<\/style><div class=\"ult-spacer spacer-69e14d907ef75\" data-id=\"69e14d907ef75\" data-height=\"15\" data-height-mobile=\"15\" data-height-tab=\"15\" data-height-tab-portrait=\"\" data-height-mobile-landscape=\"\" style=\"clear:both;display:block;\"><\/div>[\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; bg_type=&#8221;bg_color&#8221; bg_color_value=&#8221;#f3efed&#8221;][vc_column]<div id=\"ultimate-heading-601969e14d907ef87\" class=\"uvc-heading ult-adjust-bottom-margin ultimate-heading-601969e14d907ef87 uvc-5759 \" data-hspacer=\"line_only\"  data-halign=\"left\" style=\"text-align:left\"><div class=\"uvc-main-heading ult-responsive\"  data-ultimate-target='.uvc-heading.ultimate-heading-601969e14d907ef87 h2'  data-responsive-json-new='{\"font-size\":\"\",\"line-height\":\"\"}' ><h2 style=\"font-weight:normal;\">Dret Inmobiliari<\/h2><\/div><div class=\"uvc-heading-spacer line_only\" style=\"topheight:2px;\"><span class=\"uvc-headings-line\" style=\"border-style:solid;border-bottom-width:2px;border-color:#661414;width:80px;\"><\/span><\/div><\/div><div class=\"ult-spacer spacer-69e14d907ef94\" data-id=\"69e14d907ef94\" data-height=\"30\" data-height-mobile=\"30\" data-height-tab=\"30\" data-height-tab-portrait=\"\" data-height-mobile-landscape=\"\" style=\"clear:both;display:block;\"><\/div>[\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; bg_type=&#8221;bg_color&#8221; bg_color_value=&#8221;#f3efed&#8221;][vc_column width=&#8221;1\/2&#8243;]<div class=\"aio-icon-component   style_1 upper_icon_index-0\"><div id=\"Info-box-wrap-5455\" class=\"aio-icon-box default-icon\" style=\"\"  ><div class=\"aio-icon-default\"><div class=\"ult-just-icon-wrapper  \"><div class=\"align-icon\" style=\"text-align:center;\">\n<div class=\"aio-icon none \" data-animation=\"fadeIn\" data-animation-delay=\"03\" style=\"color:#661414;font-size:18px;display:inline-block;\">\n\t<i class=\"line-icons-check-square\"><\/i>\n<\/div><\/div><\/div><\/div><div class=\"aio-icon-header\" ><h3 class=\"aio-icon-title ult-responsive\"  data-ultimate-target='#Info-box-wrap-5455 .aio-icon-title'  data-responsive-json-new='{\"font-size\":\"\",\"line-height\":\"\"}'  style=\"\">Contractes d\u2019arrendaments d\u2019inmobles.<\/h3><\/div> <!-- header --><\/div> <!-- aio-icon-box --><\/div> <!-- aio-icon-component --><style>#Info-box-wrap-5455 .aio-icon:after{box-shadow: 0 0 0 2px #ffffff !important;}<\/style><div class=\"ult-spacer spacer-69e14d907efd5\" data-id=\"69e14d907efd5\" data-height=\"15\" data-height-mobile=\"15\" data-height-tab=\"15\" data-height-tab-portrait=\"\" data-height-mobile-landscape=\"\" style=\"clear:both;display:block;\"><\/div><div class=\"aio-icon-component   style_1 upper_icon_index-0\"><div id=\"Info-box-wrap-7358\" class=\"aio-icon-box default-icon\" style=\"\"  ><div class=\"aio-icon-default\"><div class=\"ult-just-icon-wrapper  \"><div class=\"align-icon\" style=\"text-align:center;\">\n<div class=\"aio-icon none \" data-animation=\"fadeIn\" data-animation-delay=\"03\" style=\"color:#661414;font-size:18px;display:inline-block;\">\n\t<i class=\"line-icons-check-square\"><\/i>\n<\/div><\/div><\/div><\/div><div class=\"aio-icon-header\" ><h3 class=\"aio-icon-title ult-responsive\"  data-ultimate-target='#Info-box-wrap-7358 .aio-icon-title'  data-responsive-json-new='{\"font-size\":\"\",\"line-height\":\"\"}'  style=\"\">Contractes d\u2019arres i compraventa d\u2019inmobles.<\/h3><\/div> <!-- header --><\/div> <!-- aio-icon-box --><\/div> <!-- aio-icon-component --><style>#Info-box-wrap-7358 .aio-icon:after{box-shadow: 0 0 0 2px #ffffff !important;}<\/style><div class=\"ult-spacer spacer-69e14d907f016\" data-id=\"69e14d907f016\" data-height=\"30\" data-height-mobile=\"15\" data-height-tab=\"\" data-height-tab-portrait=\"\" data-height-mobile-landscape=\"\" style=\"clear:both;display:block;\"><\/div>[\/vc_column][vc_column width=&#8221;1\/2&#8243;]<div class=\"aio-icon-component   style_1 upper_icon_index-0\"><div id=\"Info-box-wrap-6242\" class=\"aio-icon-box default-icon\" style=\"\"  ><div class=\"aio-icon-default\"><div class=\"ult-just-icon-wrapper  \"><div class=\"align-icon\" style=\"text-align:center;\">\n<div class=\"aio-icon none \" data-animation=\"fadeIn\" data-animation-delay=\"03\" style=\"color:#661414;font-size:18px;display:inline-block;\">\n\t<i class=\"line-icons-check-square\"><\/i>\n<\/div><\/div><\/div><\/div><div class=\"aio-icon-header\" ><h3 class=\"aio-icon-title ult-responsive\"  data-ultimate-target='#Info-box-wrap-6242 .aio-icon-title'  data-responsive-json-new='{\"font-size\":\"\",\"line-height\":\"\"}'  style=\"\">Desnonaments.<\/h3><\/div> <!-- header --><\/div> <!-- aio-icon-box --><\/div> <!-- aio-icon-component --><style>#Info-box-wrap-6242 .aio-icon:after{box-shadow: 0 0 0 2px #ffffff !important;}<\/style><div class=\"ult-spacer spacer-69e14d907f055\" data-id=\"69e14d907f055\" data-height=\"15\" data-height-mobile=\"15\" data-height-tab=\"15\" data-height-tab-portrait=\"\" data-height-mobile-landscape=\"\" style=\"clear:both;display:block;\"><\/div><div class=\"aio-icon-component   style_1 upper_icon_index-0\"><div id=\"Info-box-wrap-1557\" class=\"aio-icon-box default-icon\" style=\"\"  ><div class=\"aio-icon-default\"><div class=\"ult-just-icon-wrapper  \"><div class=\"align-icon\" style=\"text-align:center;\">\n<div class=\"aio-icon none \" data-animation=\"fadeIn\" data-animation-delay=\"03\" style=\"color:#661414;font-size:18px;display:inline-block;\">\n\t<i class=\"line-icons-check-square\"><\/i>\n<\/div><\/div><\/div><\/div><div class=\"aio-icon-header\" ><h3 class=\"aio-icon-title ult-responsive\"  data-ultimate-target='#Info-box-wrap-1557 .aio-icon-title'  data-responsive-json-new='{\"font-size\":\"\",\"line-height\":\"\"}'  style=\"\">Dret de retracte i adquisici\u00f3 preferent.<\/h3><\/div> <!-- header --><\/div> <!-- aio-icon-box --><\/div> <!-- aio-icon-component --><style>#Info-box-wrap-1557 .aio-icon:after{box-shadow: 0 0 0 2px #ffffff !important;}<\/style><div class=\"ult-spacer spacer-69e14d907f094\" data-id=\"69e14d907f094\" data-height=\"30\" data-height-mobile=\"15\" data-height-tab=\"\" data-height-tab-portrait=\"\" data-height-mobile-landscape=\"\" style=\"clear:both;display:block;\"><\/div>[\/vc_column][\/vc_row][vc_row][vc_column]<div class=\"ult-spacer spacer-69e14d907f09c\" data-id=\"69e14d907f09c\" data-height=\"60\" data-height-mobile=\"60\" data-height-tab=\"60\" data-height-tab-portrait=\"\" data-height-mobile-landscape=\"\" style=\"clear:both;display:block;\"><\/div><div id=\"ultimate-heading-112269e14d907f0a8\" class=\"uvc-heading ult-adjust-bottom-margin ultimate-heading-112269e14d907f0a8 uvc-9333 \" data-hspacer=\"no_spacer\"  data-halign=\"center\" style=\"text-align:center\"><div class=\"uvc-heading-spacer no_spacer\" style=\"top\"><\/div><div class=\"uvc-main-heading ult-responsive\"  data-ultimate-target='.uvc-heading.ultimate-heading-112269e14d907f0a8 h2'  data-responsive-json-new='{\"font-size\":\"\",\"line-height\":\"\"}' ><h2 style=\"font-weight:normal;\">Preguntes freq\u00fcents<\/h2><\/div><\/div><div class=\"ult-spacer spacer-69e14d907f0b4\" data-id=\"69e14d907f0b4\" data-height=\"30\" data-height-mobile=\"30\" data-height-tab=\"30\" data-height-tab-portrait=\"\" data-height-mobile-landscape=\"\" style=\"clear:both;display:block;\"><\/div>[vc_tta_accordion shape=&#8221;square&#8221; color=&#8221;white&#8221; active_section=&#8221;1&#8243;][vc_tta_section title=&#8221;Crec que m\u2019han titulitzat la hipoteca, \u00bf com puc saber-ho?&#8221; tab_id=&#8221;1480499867430-d520d757-5496&#8243;][vc_column_text]Des de fa temps, la titulitzaci\u00f3 \u00e9s la manera que estan utilitzant les entitats de cr\u00e8dit per tal de vendre i cedir als anomenats \u201cfondos buitre\u201d formats per cebtenars de cr\u00e8dits hipotecaris, entre els quals podria trobar-se el seu. Quan es titulitza, s\u2019est\u00e0 passant a un tercer adquirent la titularitat respecte del dret de cr\u00e8dit i per lo tant deixa de ser-ne titular el Banc. En la majoria d\u2019ocasions, aquesta cessi\u00f3 ni tan sols \u00e9s informada al client o autoritzada. Aix\u00ed les coses, despr\u00e9s de les cessions el deutor hipotecari \u00a0hauria de respondre nom\u00e9s davant aquest nou titular i qui resulta no ser el banc qui demanda.<\/p>\n<p>El cam\u00ed per a saber si la seva hipoteca est\u00e0 titulitzada \u00e9s farrag\u00f3s. Per una part la Comissi\u00f3 del Mercat de Valors va comunicar la necessitat que l\u2019interessat ( i titular del cr\u00e8dit hipotecari) acudeixi a la seva entitat banc\u00e0ria i sol.liciti referida informaci\u00f3 si b\u00e9 ens trobem amb qu\u00e8 moltes la neguen o dificulten la seva obtenci\u00f3. D\u2019aqu\u00ed la necessitat d\u2019acudir a un professional del dret per tal d\u2019obtenir-la.<\/p>\n<p>Pensem que malgrat que la seva hipoteca contingui una cl\u00e0usula per la qual hagu\u00e9s renunciat a ser informat respecte de futures cessions del seu dret de cr\u00e8dit, aquesta cl\u00e0sula \u00e9s del tot abusiva aix\u00ed com les conseq\u00fc\u00e8ncies del negoci de la titulitzaci\u00f3, i d\u2019entre les que hi hauria les de la falta de legitimaci\u00f3 dels bancs per a reclamar el cumpliment del cr\u00e8dit.[\/vc_column_text][\/vc_tta_section][vc_tta_section title=&#8221;La meva hipoteca no t\u00e9 Euribor sin\u00f3 IRPH, \u00bf \u00e9s legal?&#8221; tab_id=&#8221;1480499867847-0e7ea9e6-b11a&#8221;][vc_column_text]L\u2019IRPH- <strong>\u00edndex de refer\u00e8ncia de cr\u00e8dits hipotecaris<\/strong>&#8211; s\u00f3n \u00edndex de referencia aplicats als cr\u00e8dits hipotecaris al igual que ho s\u00f3n l\u2019Euribor o el MIBOR. A trav\u00e9s de l\u2019IRPH les entitats banc\u00e0ries actualitzen els tipus d\u2019inter\u00e9s de les hipoteques al tipus variable i que han de ser publicades mensualment pel Banc d\u2019Espanya.<\/p>\n<p>La major cr\u00edtica a referits \u00edndex \u00e9s que s\u2019ha advertit que no existeix transpar\u00e8ncia en el seu c\u00e0lcul, podent aix\u00ed \u00e9sser manipulats per les pr\u00f2pies entitats banc\u00e0ries. I aix\u00ed ens trobem, que mentres els altres \u00edndex de refer\u00e8ncia com l\u2019Euribor estan a la baixa, casualment l\u2019IRPH es troba per damunt. A efectes pr\u00e0ctics, referits valors a l&#8217;al\u00e7a de l\u2019IPRPH contingut en hipoteques suposa que el client hipotecari pagui mensualment m\u00e9s per la seva hipoteca.<\/p>\n<p>Dins els \u00edndex d\u2019IRPH s\u2019ha de distinguir tres subtipus; <strong>IRPH-Caixes<\/strong> i <strong>IRPH-Bancs<\/strong> doncs ambd\u00f3s resulten inaplicables doncs han estat anul.lats\u00a0\u00a0 legalment. I <strong>l\u2019IRPH-Entitats<\/strong>, el qual a dia d\u2019avui segeuix vigent doncs resulta el que ve a substituir als altres dos anul.lats\u00a0 en cas que no s\u2019haguessin previst d\u2019altres que els substitu\u00eds. Malgrat a aquesta substituci\u00f3 legal, entenem que en la majoria de sup\u00f2sits aquesta substituci\u00f3 \u00e9s nul.la doncs en tot cas s\u2019haur\u00e0 de considerar un cr\u00e8dit gartu\u00eft ( sense inter\u00e9s) o b\u00e9 aplicar un altre \u00edndex de refer\u00e8ncia com podria ser l\u2019Euribor.[\/vc_column_text][\/vc_tta_section][\/vc_tta_accordion]<div class=\"ult-spacer spacer-69e14d907f0bb\" data-id=\"69e14d907f0bb\" data-height=\"60\" data-height-mobile=\"60\" data-height-tab=\"60\" data-height-tab-portrait=\"\" data-height-mobile-landscape=\"\" style=\"clear:both;display:block;\"><\/div>[\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column width=&#8221;1\/3&#8243;][vc_single_image image=&#8221;7925&#8243; img_size=&#8221;full&#8221;][\/vc_column][vc_column width=&#8221;2\/3&#8243; el_class=&#8221;justify&#8221;][vc_column_text]Per desgr\u00e0cia actualment a tots ens sonen aquests noms respecte de cl\u00e0usules s\u00f2l, vol, abusives\u2026. Que probablement estiguin contingudes en les escriptures d\u2019hipoteques i altres contractes bancaris que en el seu dia v\u00e0rem poder signar sense el coneixement suficient en relaci\u00f3 al seu abast. Saber si podem reclamar la nul\u00b7litat [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page.php","meta":{"footnotes":""},"class_list":["post-7920","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v14.4.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Cl\u00e0usules s\u00f2l hipoteca - Montse Dami\u00e1n<\/title>\n<meta name=\"robots\" content=\"index, follow\" \/>\n<meta name=\"googlebot\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta name=\"bingbot\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.montsedamianabogada.com\/abogado-en-reus-clausulas-suelo\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cl\u00e0usules s\u00f2l hipoteca - Montse Dami\u00e1n\" \/>\n<meta property=\"og:description\" content=\"[vc_row][vc_column width=&#8221;1\/3&#8243;][vc_single_image image=&#8221;7925&#8243; img_size=&#8221;full&#8221;][\/vc_column][vc_column width=&#8221;2\/3&#8243; el_class=&#8221;justify&#8221;][vc_column_text]Per desgr\u00e0cia actualment a tots ens sonen aquests noms respecte de cl\u00e0usules s\u00f2l, vol, abusives\u2026. 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