{"id":1692,"date":"2017-12-06T09:52:50","date_gmt":"2017-12-06T09:52:50","guid":{"rendered":"http:\/\/aranconsulting.cat\/?p=1692"},"modified":"2017-12-06T09:52:50","modified_gmt":"2017-12-06T09:52:50","slug":"sentencia-tribunal-suprem-hipoteques-multidivises","status":"publish","type":"post","link":"https:\/\/aranadvocats.provesonlinevalles.com\/ca\/sentencia-tribunal-supremo-hipotecas-multidivisas\/","title":{"rendered":"SENT\u00c8NCIA TRIBUNAL SUPREM HIPOTEQUES MULTIDIVISES"},"content":{"rendered":"<figure id=\"attachment_1693\" aria-describedby=\"caption-attachment-1693\" style=\"width: 300px\" class=\"wp-caption alignleft\"><img fetchpriority=\"high\" decoding=\"async\" src=\"http:\/\/aranconsulting.cat\/wp-content\/uploads\/2017\/12\/021-300x225.jpg\" alt=\"\" width=\"300\" height=\"225\" class=\"size-medium wp-image-1693\" srcset=\"https:\/\/aranadvocats.provesonlinevalles.com\/wp-content\/uploads\/2017\/12\/021-300x225.jpg 300w, https:\/\/aranadvocats.provesonlinevalles.com\/wp-content\/uploads\/2017\/12\/021-1024x768.jpg 1024w, https:\/\/aranadvocats.provesonlinevalles.com\/wp-content\/uploads\/2017\/12\/021-768x576.jpg 768w, https:\/\/aranadvocats.provesonlinevalles.com\/wp-content\/uploads\/2017\/12\/021-1536x1152.jpg 1536w, https:\/\/aranadvocats.provesonlinevalles.com\/wp-content\/uploads\/2017\/12\/021-16x12.jpg 16w, https:\/\/aranadvocats.provesonlinevalles.com\/wp-content\/uploads\/2017\/12\/021.jpg 2048w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><figcaption id=\"caption-attachment-1693\" class=\"wp-caption-text\">KONICA MINOLTA DIGITAL CAMERA<\/figcaption><\/figure>\n<p>El Ple de la Sala Primera del Tribunal Suprem en Sent\u00e8ncia 608\/2017, de 15 de novembre (CIP 2678\/2015), ha estimat el recurs de cassaci\u00f3 interposat pels prestataris contra la sent\u00e8ncia de l&#039;Audi\u00e8ncia Provincial de Madrid que va desestimar la demanda en qu\u00e8 sol\u00b7licitaven la nul\u00b7litat de les cl\u00e0usules multidivisa.<\/p>\n<p>La sent\u00e8ncia aplica finalment la doctrina de la Sala Primera a la jurisprud\u00e8ncia del TJUE, que en el cas Banif Plus Bank (sent\u00e8ncia de 3 de desembre de 2015) en qu\u00e8 va considerar que les operacions de canvi de divisa, access\u00f2ries a un pr\u00e9stec que no t\u00e9 per finalitat la inversi\u00f3, no constitueixen un instrument financer diferent del mateix pr\u00e9stec, sin\u00f3 \u00fanicament. At\u00e8s que la definici\u00f3 dels instruments financers a l&#039;efecte de l&#039;aplicaci\u00f3 de la normativa sobre el mercat de valors \u00e9s una q\u00fcesti\u00f3 regulada pel dret de la Uni\u00f3 (Directiva MiFID), \u00e9s per aix\u00f2 que els tribunals espanyols l&#039;han d&#039;aplicar de conformitat amb la jurisprud\u00e8ncia del TJUE, i aix\u00f2 porta a la conclusi\u00f3 que el pr\u00e9stec hipotecari en divises no \u00e9s un instrument financer regulat.<\/p>\n<p>Per tot aix\u00f2, les entitats financeres que concedeixen aquests pr\u00e9stecs estan sotmeses a les diverses obligacions dinformaci\u00f3 que estableixen les normes de transpar\u00e8ncia banc\u00e0ria i les de protecci\u00f3 de consumidors i usuaris, en els casos en qu\u00e8 el prestatari t\u00e9 la consideraci\u00f3 legal de consumidor.<\/p>\n<p>La sala descarta que les cl\u00e0usules multidivisa controvertides fossin objecte de negociaci\u00f3 individual i quedessin excloses de l&#039;\u00e0mbit d&#039;aplicaci\u00f3 de la Directiva sobre cl\u00e0usules abusives. Es tracta de cl\u00e0usules que defineixen l&#039;objecte principal del contracte, sobre les quals hi ha un deure de transpar\u00e8ncia especial i respecte de les quals les institucions financeres han de facilitar als prestataris la informaci\u00f3 suficient perqu\u00e8 aquests comprenguin no nom\u00e9s el seu contingut formal i gramatical, sin\u00f3 tamb\u00e9 el seu abast concret i puguin prendre decisions fundades i prudents.<\/p>\n<p>El fet que els pr\u00e9stecs multidivisa estiguin exclosos de la normativa MiFID no vol dir que no siguin un producte complex a efectes del control de transpar\u00e8ncia. La sent\u00e8ncia aplica els criteris de la sent\u00e8ncia del TJUE de 20 de setembre de 2017 (cas Andriciuc) i considera que encara que el consumidor mitj\u00e0 pot preveure el risc d&#039;un cert increment de les quotes d&#039;amortitzaci\u00f3 per efecte de la fluctuaci\u00f3 de les monedes sense necessitat d&#039;una informaci\u00f3 especial, no passa el mateix amb altres riscos associats a aquestes hipoteques.<\/p>\n<p>Cal ressaltar que en aquestes hipoteques la fluctuaci\u00f3 de la divisa suposa un rec\u00e0lcul constant del capital prestat, \u00e9s a dir que el prestatari pot deure un capital en euros m\u00e9s gran que el que li va ser lliurat en concertar el pr\u00e9stec, fins i tot encara que es compleixi l&#039;obligaci\u00f3 de pagar les quotes ia m\u00e9s el banc pugui donar per ven\u00e7ut anticipadament el pr\u00e9stec si l&#039;euro es devalua portar a crear un greu perjudici al client.<\/p>\n<p>En el cas del recurs, ha quedat acreditat que l&#039;entitat banc\u00e0ria no va explicar adequadament als prestataris la naturalesa dels riscos associats a les cl\u00e0usules relatives a la denominaci\u00f3 en divises del pr\u00e9stec i la seva equival\u00e8ncia amb l&#039;euro, que \u00e9s la moneda en qu\u00e8 aquests reben els seus ingressos, ni les conseq\u00fc\u00e8ncies greus associades a la materialitzaci\u00f3 d&#039;aquests riscos.<\/p>\n<p>En aquest cas els prestataris no nom\u00e9s han hagut d&#039;abonar quotes superiors en aproximadament un 50% a l&#039;import de la quota inicial, i tot aix\u00f2 malgrat la baixada del tipus d&#039;inter\u00e8s, sin\u00f3 que a m\u00e9s, en haver fet \u00fas el banc de la facultat de donar per ven\u00e7ut anticipadament el pr\u00e9stec davant la impossibilitat de seguir fent front al pagament de les quotes, la quantitat que se&#039;ls ha fet superat la quantitat que els va ser ingressada al seu compte en euros per la concessi\u00f3 del pr\u00e9stec.<\/p>\n<p>Queda acreditat que la manca de transpar\u00e8ncia de les cl\u00e0usules multidivisa ha generat per als prestataris un greu desequilibri, en contra de les exig\u00e8ncies de la bona fe, ja que, en ignorar els greus riscos que comportava la contractaci\u00f3 del pr\u00e9stec, no van poder comparar l&#039;oferta del pr\u00e9stec hipotecari multidivisa amb les d&#039;altres pr\u00e9stecs i se n&#039;ha agreujat la situaci\u00f3 econ\u00f2mica. La possibilitat de canvi de divisa prevista al contracte, encara que suposa un cert mecanisme de limitaci\u00f3 del risc de fluctuaci\u00f3 en els casos de previsible apreciaci\u00f3 de la divisa en un futur pr\u00f2xim, no elimina els riscos esmentats ni dispensa al banc de les seves obligacions de transpar\u00e8ncia en la informaci\u00f3 precontractual que faciliti als seus potencials clients i en la redacci\u00f3 de les cl\u00e0usules del pr\u00e9stec.<\/p>\n<p>Per tant, la sala ha estimat entenem en bon criteri que les cl\u00e0usules q\u00fcestionades no superen el control de transpar\u00e8ncia i casa la sent\u00e8ncia recorreguda, declarant la nul\u00b7litat parcial del pr\u00e9stec i l&#039;eliminaci\u00f3 de les refer\u00e8ncies a la denominaci\u00f3 en divises del pr\u00e9stec, que queda com un pr\u00e9stec concedit en euros i amortitzat en euros; sent aquesta la millor resoluci\u00f3 ja que ent\u00e9n que la declaraci\u00f3 de nul\u00b7litat total suposaria un seri\u00f3s perjudici per al consumidor, que es veuria obligat a tornar d&#039;una sola vegada la totalitat del capital pendent d&#039;amortitzar, i que la nul\u00b7litat parcial \u00e9s possible pel r\u00e8gim contractual previst al pr\u00e9stec hipotecari.<\/p>\n<p>Si vols saber m\u00e9s sobre qualsevol assumpte Bancari no deixi de consultar-nos:<br \/>\nARAN CONSULTING: ADVOCATS CONSULTORS<br \/>\nC\/ BORRES N\u00b0 66 BJOS, 08208, Sabadell \u2013 Barcelona<br \/>\nContacte telef\u00f2nic: 93 727 76 37<\/p>","protected":false},"excerpt":{"rendered":"<p>El Pleno de la Sala Primera del Tribunal Supremo en Sentencia 608\/2017, de 15 de noviembre (CIP 2678\/2015), ha estimado el recurso de casaci\u00f3n interpuesto por los prestatarios contra la sentencia de la Audiencia Provincial de Madrid que desestim\u00f3 la demanda en la que solicitaban la nulidad de las cl\u00e1usulas multidivisa de un pr\u00e9stamo hipotecario [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[160,62,71,26],"tags":[224,225,226,227,228,25,229,230,140,231,232,109,161,110,233,112,234,235,236,237,238,163,239,240,241,119,242,243,244,245,246,247,248,249,250,251],"class_list":["post-1692","post","type-post","status-publish","format-standard","hentry","category-clausula-suelo","category-inmobiliario","category-ley-segunda-oportunidad","category-operaciones-financieras","tag-abligacion-transparencia","tag-abogado-hipoteca","tag-abogado-prestamos","tag-abogado-sabadell-clausula-suelo","tag-abogado-sabadell-prestamo-multidivisa","tag-abogados-sabadell","tag-amortizacion-hipoteca","tag-amortizacion-multidivisa","tag-aran-advocats-consultors","tag-bajada-tipo-interes","tag-buena-fe","tag-clausula-suelo","tag-clausula-suelo-nula","tag-clausulas-abusivas","tag-clausulas-prestamo-hipotecario","tag-clausulas-suelo-y-techo","tag-cliente-banco","tag-concesion-prestamo","tag-ejecucion-hipotecaria","tag-estafa-bancaria","tag-fluctuacion-divisas","tag-gastos-hipotecarios","tag-hipoteca-multidivisa","tag-multidivisas","tag-notaria","tag-nulidad-clausula-suelo","tag-nulidad-parcial","tag-nulidad-total","tag-perjuicio-consumidor","tag-prestamo-concedido","tag-prestamo-hipotecario","tag-prestamos-abusivos","tag-registro","tag-riesgo-fluctuacion-divisa","tag-tipo-de-interes","tag-transparencia-bancaria"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - 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