{"id":1611,"date":"2017-01-10T10:28:13","date_gmt":"2017-01-10T10:28:13","guid":{"rendered":"http:\/\/aranconsulting.cat\/?p=1611"},"modified":"2017-01-10T10:28:13","modified_gmt":"2017-01-10T10:28:13","slug":"nul%c2%b7litat-clausula-sol-la-sentencia-tjue-21-12-16-obliga-les-entitats-bancaries-tornar-el-cobrat-les-clausules-sol","status":"publish","type":"post","link":"https:\/\/aranadvocats.provesonlinevalles.com\/ca\/nulidad-clausula-suelo-la-sentencia-tjue-21-12-16-obliga-las-entidades-bancarias-devolver-lo-cobrado-las-clausulas-suelo\/","title":{"rendered":"Nul\u00b7litat clausula terra. La Sent\u00e8ncia TJUE de 21.12.16 obliga les entitats banc\u00e0ries a tornar tot el cobrat amb les cl\u00e0usules s\u00f2l"},"content":{"rendered":"<p style=\"text-align: justify;\"><strong>Nul\u00b7litat clausula terra. La Sent\u00e8ncia TJUE de 21.12.16 obliga les entitats banc\u00e0ries a tornar tot el cobrat amb les cl\u00e0usules s\u00f2l<\/strong><\/p>\n<p style=\"text-align: justify;\">El Tribunal de Just\u00edcia de la Uni\u00f3 Europea (TJUE) amb seu a Luxemburg ha sentenciat en data 21.12.16 que els bancs espanyols han de tornar tots els diners cobrats a trav\u00e9s de la cl\u00e0usula s\u00f2l,<\/p>\n<figure id=\"attachment_1316\" aria-describedby=\"caption-attachment-1316\" style=\"width: 300px\" class=\"wp-caption alignleft\"><img fetchpriority=\"high\" decoding=\"async\" class=\"size-medium wp-image-1316\" src=\"http:\/\/aranconsulting.cat\/wp-content\/uploads\/2015\/01\/aran-consultin-finaciero1-300x212.jpg\" alt=\"Operacions financeres amb Aran Consulting, Bufet d&#039;Advocats professionals amb experi\u00e8ncia en totes les especialitats a Sabadell, Barcelona (aranconsulting.cat)\" width=\"300\" height=\"212\" \/><figcaption id=\"caption-attachment-1316\" class=\"wp-caption-text\">Aran Consulting, Bufet d&#039;Advocats professionals amb experi\u00e8ncia en totes les especialitats a Sabadell, Barcelona (aranadvocats.provesonlinevalles.com\/)<\/figcaption><\/figure>\n<p style=\"text-align: justify;\">declarant \u00abincompatibles aquestes clausules amb el dret de la Uni\u00f3\u00bb en concret en ser aquestes contr\u00e0ries als <strong>articles 6 i 7 de la Directiva 93\/13\/CEE<\/strong> del Consell de 5 d&#039;abril de 1993, sobre les cl\u00e0usules abusives als contractes subscrits amb els consumidors. Aquesta sent\u00e8ncia se suma a una altra dictada per un jutjat de Madrid el mes d&#039;abril 2016 passat, que va considerar que 40 bancs i caixes havien utilitzat de forma generalitzada aquestes clausules de manera \u201cpoc transparent i abusives\u201d.<\/p>\n<p style=\"text-align: justify;\">Per\u00f2 crec convenient que comencem pel principi i analitzem que \u00e9s una clausula s\u00f2l per con\u00e8ixer la import\u00e0ncia de l&#039;assumpte, i \u00e9s que la majoria d&#039;hipoteques a Espanya es van signar referenciades a tipus d&#039;inter\u00e8s variable anomenat Euribor, i es tracta d&#039;una taxa d&#039;interessos que es calculen a nivell europeu i que fluctua constantment. Els bancs, quan concedeixen un cr\u00e8dit, per regla general, exigeixen a la devoluci\u00f3 el pagament d&#039;aquest eur\u00edbor m\u00e9s un diferencial. Un pr\u00e9stec a eur\u00edbor+1,5 vol dir que t\u00e9 els interessos de l&#039;eur\u00edbor i un punt i mig extra. Aquests interessos es revisen cada any, en qu\u00e8 s&#039;actualitza segons la cotitzaci\u00f3 del <strong>eur\u00edbor<\/strong>, podent pujar o baixar en funci\u00f3 de la fluctuaci\u00f3 constant de l&#039;eur\u00edbor, en moltes hipoteques es van incloure\u00a0<strong>cl\u00e0usules de terra i sostre<\/strong>, aix\u00f2 significava que l&#039;entitat banc\u00e0ria incloc en els contractes uns l\u00edmits m\u00e0xims sobre els quals els interessos no creixerien encara que l&#039;eur\u00edbor pug\u00e9s per sobre (sostre) i uns l\u00edmits sota els quals els interessos mai no es podrien reduir (s\u00f2l).<\/p>\n<p style=\"text-align: justify;\">Cal recordar que l&#039;eur\u00edbor a l&#039;estiu de l&#039;any 2008 arribo a superar el 5%, cosa que significava que per a aquelles hipoteques signades amb un eur\u00edbor+1,5 els deutors pagaven m\u00e9s del 6,5% d&#039;inter\u00e8s, i el greu era que no s&#039;aplicaven llavors les cl\u00e0usules sostre, ja que de forma \u201cs&#039;havien col\u00b7locat de forma \u201d casos per sobre del 10%. Ara b\u00e9 els efectes de la crisi tamb\u00e9 van arribar a aquest sector i la baixada de l&#039;Euribor va ser constant en els propers mesos, i va arribar el problema, quan l&#039;eur\u00edbor es va situar per sota del 3% la majoria dels contractes on hi havia cl\u00e0usules s\u00f2l es van activar i davant la impossibilitat de milers d&#039;hipotecats de beneficiar-se per la <strong>baixada de l&#039;eur\u00edbor<\/strong>, molts van descobrir que els seus contractes tenien cl\u00e0usules s\u00f2l, i d&#039;aqu\u00ed van sorgir les <strong>demandes<\/strong> ja que molts clients asseguraven que no coneixien la seva exist\u00e8ncia d&#039;aquestes clausules i que les difer\u00e8ncies entre la clausula s\u00f2l (entre el 2% i el 4%) i la clausula sostre (entre el 9% i el 15%) eren \u201c<strong>clausules abusives<\/strong>\u201d.<\/p>\n<p style=\"text-align: justify;\">La majoria de sent\u00e8ncies van ser en la mateixa l\u00ednia, en la de considerar abusives les cl\u00e0usules s\u00f2l, especial rellev\u00e0ncia va tenir la sent\u00e8ncia del Suprem el maig de l&#039;any 2013 que assenyalo que els topalls quedaven anul\u00b7lats per ser aquests \u201c<strong>poc transparents i no es van explicar b\u00e9 els seus efectes als clients<\/strong>\u201d&quot;, afectant la resoluci\u00f3 a les entitats BBVA, Caixa Rural i Banco Popular, encara que les repercussions reals van ser per a tot el sector bancari. En concret el Suprem va declarar nul aquest l\u00edmit de baixada d&#039;interessos a partir de maig 2013, que \u00e9s quan va publicar la seva sent\u00e8ncia. Ara, el <strong>TJUE<\/strong> fa un altre pas m\u00e9s i obliga totes les entitats financeres a tornar tot el cobrat a trav\u00e9s d&#039;aquestes cl\u00e0usules. La decisi\u00f3 de la sent\u00e8ncia diu literalment:<\/p>\n<p style=\"text-align: justify;\"><em>\u00abL&#039;article 6, apartat 1, de la Directiva 93\/13\/CEE del Consell, de 5 d&#039;abril de 1993, sobre les cl\u00e0usules abusives en els contractes subscrits amb consumidors, s&#039;ha d&#039;interpretar en el sentit que s&#039;oposa a una jurisprud\u00e8ncia nacional que limita en el temps els efectes restitutoris vinculats a la declaraci\u00f3, aquesta Directiva, d&#039;una cl\u00e0usula continguda en un contracte subscrit amb un consumidor per un professional, circumscrivint aquests efectes restitutoris exclusivament a les quantitats pagades indegudament en aplicaci\u00f3 de tal cl\u00e0usula amb posterioritat al pronunciament de la resoluci\u00f3 judicial mitjan\u00e7ant la qual es va declarar el car\u00e0cter abusiu de la cl\u00e0usula en q\u00fcesti\u00f3.\u00bb<\/em><\/p>\n<p style=\"text-align: justify;\">El dictamen del Tribunal Suprem va cancel\u00b7lar el 2013 totes aquestes cl\u00e0usules en considerar-les abusives i poc transparents, fixant-ne la nul\u00b7litat el 9 de maig del 2013 i no amb efectes retroactius l&#039;any 2009, data en qu\u00e8 les entitats banc\u00e0ries van comen\u00e7ar a aplicar-les, suposadament per protegir la banca de l&#039;impacte de les devolucions. Ara la sent\u00e8ncia del TJUE amplia aquesta data i recalca que es declaren nul\u00b7les totes les cl\u00e0usules s\u00f2l de totes les entitats financeres.<\/p>\n<p style=\"text-align: justify;\">Molts hipotecats, amb les sent\u00e8ncies del Suprem, ja van veure les seves cl\u00e0usules terra anul\u00b7lades. Algunes entitats van decidir negociar amb els hipotecats, i van arribar a acords particulars per suspendre aquest apartat dels contractes o fins i tot han arribat a substituir el tipus de c\u00e0lcul passant d?un tipus variable a fix. Per\u00f2 encara quedaven milers d&#039;afectats que no li han suprimit la cl\u00e0usula o que li han fet i no li han tornat cap import del que li han cobrat de m\u00e9s, cal recordar que els acords que han realitzat algunes entitats amb els seus clients fent-los renunciar a les accions judicials poden ser declarades nul\u00b7les per la mateixa ra\u00f3, per abusives ja que no es poden seguir pis. Per tot aix\u00f2, podem afirmar sense por a equivocar-nos que aquesta sent\u00e8ncia no posa punt final a aquest assumpte sin\u00f3 tot al contrari, es poden reactivar les demandes contra les entitats banc\u00e0ries si aquestes no s\u00f3n capaces de conformar els seus clients.<\/p>\n<p style=\"text-align: justify;\">A col\u00b7laci\u00f3 d&#039;aquesta darrera afirmaci\u00f3, ja estem trobant-nos amb afirmacions d&#039;algunes entitats banc\u00e0ries que no estan per la feina i afirmen que encara estan estudiant la decisi\u00f3 judicial i d&#039;altres que la decisi\u00f3 no els afecta i que no estan disposades a arribar a una devoluci\u00f3 generalitzada.<\/p>\n<p style=\"text-align: justify;\"><em><strong>Si vols saber m\u00e9s sobre qualsevol assumpte relacionat amb la Nul\u00b7litat clausula s\u00f2l, no deixis de consultar-nos:<\/strong><\/em><br \/>\nARAN CONSULTING: ADVOCATS CONSULTORS<\/p>\n<p style=\"text-align: justify;\">C\/ BORRES N\u00b0 66 BJOS, 08208, Sabadell \u2013 Barcelona<\/p>\n<p style=\"text-align: justify;\">Contacte telef\u00f2nic: 93 727 76 37<\/p>","protected":false},"excerpt":{"rendered":"<p>Nulidad clausula suelo. La Sentencia TJUE de 21.12.16 obliga a las\u00a0 entidades bancarias a devolver todo lo cobrado con las cl\u00e1usulas suelo El Tribunal de Justicia de la Uni\u00f3n Europea (TJUE) con sede en Luxemburgo ha sentenciado en fecha 21.12.16 que los bancos espa\u00f1oles deben devolver todo el dinero cobrado a trav\u00e9s de la clausula [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":1322,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[24,51,26],"tags":[106,107,108,109,110,111,112,113,114,115,116,117,118,119,120,121,122,123,124,125],"class_list":["post-1611","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-abogados-sabadell","category-autonomos","category-operaciones-financieras","tag-articulo-6","tag-bajada-euribor","tag-banca","tag-clausula-suelo","tag-clausulas-abusivas","tag-clausulas-suelo","tag-clausulas-suelo-y-techo","tag-demandas","tag-devolver-cobrado-clausulas-suelo","tag-directiva-9313cee","tag-efectos-a-los-clientes","tag-entidades-bancarias","tag-euribor","tag-nulidad-clausula-suelo","tag-poco-transparente","tag-reclamacion-clausula-suelo","tag-rescate-financiero","tag-suelo","tag-techo","tag-tjue"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Nulidad clausula suelo. 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