{"id":1738,"date":"2020-03-04T15:22:00","date_gmt":"2020-03-04T15:22:00","guid":{"rendered":"https:\/\/abaclegal.prova.cat\/reclamacio-lirph-de-les-hipoteques\/"},"modified":"2023-04-12T10:43:04","modified_gmt":"2023-04-12T10:43:04","slug":"reclamacio-lirph-de-les-hipoteques","status":"publish","type":"post","link":"https:\/\/abaclegal.com\/ca\/reclamacio-lirph-de-les-hipoteques\/","title":{"rendered":"Reclamaci\u00f3 l\u2019IRPH de les hipoteques"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">L\u2019\u00cdndex de Referencia dels Pr\u00e9stecs Hipotecaris (IRPH) \u00e9s un dels tipus d\u2019inter\u00e8s m\u00e9s utilitzats per les Caixes d\u2019Estalvis i entitats banc\u00e0ries per les seves hipoteques.<\/p>\n\n<p class=\"wp-block-paragraph\">Aquest indicador es presenta sense informar de forma correcte i transparent als clients, ja que no se\u2019ls hi comunicava que aquest tipus d\u2019inter\u00e8s sempre ha resultat superior a l\u2019EURIBOR. At\u00e8s que l\u2019IRPH no \u00e9s l\u2019\u00fanic indicador de tipus d\u2019inter\u00e8s hipotecaris, les entitats estan obligades a exposar els diferents escenaris possibles i el cost que suposa en cada cas, el que s\u2019anomena \u201ccontrol de transpar\u00e8ncia\u201d. Aquesta informaci\u00f3 ha de quedar reflectida en el document anomenat \u201coferta vinculant\u201d, el qual ha de ser lliurat al client abans d\u2019acceptar la hipoteca. En aquest document es fixen les condicions que ofereix l\u2019entitat financera i els estudis comparatius quan s\u2019ha de triar entre unes condicions o unes altres.<\/p>\n\n<p class=\"wp-block-paragraph\">\u00c9s per tot aix\u00f2 que, en data 3 de mar\u00e7 de 2020, el Tribunal de Just\u00edcia de la Uni\u00f3 Europea es va pronunciar al respecte dictaminant que l\u2019IRPH \u00e9s un \u00edndex legal que es podria considerar com una cl\u00e0usula abusiva. Seran els tribunals espanyols els encarregats d\u2019assegurar-se que les cl\u00e0usules dels contractes de pr\u00e9stec hipotecari compleixin amb els requisits de ser de \u201ccar\u00e0cter clar i comprensible\u201d.<\/p>\n\n<p class=\"wp-block-paragraph\">Per tant, tota cl\u00e0usula d\u2019un contracte hipotecari, per una banda ha d\u2019haver estat informada de manera comprensible i per altre banda, tot consumidor mig ha d\u2019haver pogut comprendre, en el moment abans d\u2019acceptar el contracte, el funcionament del m\u00e8tode de c\u00e0lcul de l\u2019IRPH, de manera que hagu\u00e9s pogut valorar per si mateix les conseq\u00fc\u00e8ncies econ\u00f2miques que comporta aquest tipus d\u2019inter\u00e8s, per aix\u00ed determinar que va triar aquest tipus d\u2019inter\u00e8s volunt\u00e0riament i no es va decantar per cap altre.<\/p>\n\n<p class=\"wp-block-paragraph\">Com a conseq\u00fc\u00e8ncia, aquesta sent\u00e8ncia comporta que s\u2019obrin les portes a poder presentar reclamacions extrajudicials i judicials d\u2019hipoteques de tots aquells consumidors que considerin que no van ser informats de manera correcte respecte a la seva hipoteca, pel fet de que no se\u2019ls hi va respectar els requisits anteriors, establerts en la sent\u00e8ncia.<\/p>\n\n<p class=\"wp-block-paragraph\"><strong>Abac Legal<\/strong> disposa d\u2019advocades professionals que es cuidaran de la seva defensa en procediments extrajudicials o judicials de reclamaci\u00f3 de l\u2019IRPH.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>L\u2019\u00cdndex de Referencia dels Pr\u00e9stecs Hipotecaris (IRPH) \u00e9s un dels tipus d\u2019inter\u00e8s m\u00e9s utilitzats per les Caixes d\u2019Estalvis i entitats banc\u00e0ries per les seves hipoteques. Aquest indicador es presenta sense informar de forma correcte i transparent als clients, ja que no se\u2019ls hi comunicava que aquest tipus d\u2019inter\u00e8s sempre ha resultat superior a l\u2019EURIBOR. At\u00e8s [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":1616,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1738","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sin-categorizar"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Reclamaci\u00f3 l\u2019IRPH de les hipoteques - Abac Legal<\/title>\n<meta name=\"description\" content=\"L\u2019\u00cdndex de Referencia dels Pr\u00e9stecs Hipotecaris (IRPH) \u00e9s un dels tipus d\u2019inter\u00e8s m\u00e9s utilitzats per les Caixes d\u2019Estalvis i entitats banc\u00e0ries per les seves hipoteques.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/abaclegal.com\/ca\/reclamacio-lirph-de-les-hipoteques\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Reclamaci\u00f3 l\u2019IRPH de les hipoteques - Abac Legal\" \/>\n<meta property=\"og:description\" content=\"L\u2019\u00cdndex de Referencia dels Pr\u00e9stecs Hipotecaris (IRPH) \u00e9s un dels tipus d\u2019inter\u00e8s m\u00e9s utilitzats per les Caixes d\u2019Estalvis i entitats banc\u00e0ries per les seves hipoteques.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/abaclegal.com\/ca\/reclamacio-lirph-de-les-hipoteques\/\" \/>\n<meta property=\"og:site_name\" content=\"Abac Legal\" \/>\n<meta property=\"article:published_time\" content=\"2020-03-04T15:22:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-04-12T10:43:04+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/abaclegal.com\/wp-content\/uploads\/2023\/02\/IRPH.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"870\" \/>\n\t<meta property=\"og:image:height\" content=\"450\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Abac Legal\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrit per\" \/>\n\t<meta name=\"twitter:data1\" content=\"Abac Legal\" \/>\n\t<meta name=\"twitter:label2\" content=\"Temps estimat de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minuts\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/abaclegal.com\/ca\/reclamacio-lirph-de-les-hipoteques\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/abaclegal.com\/ca\/reclamacio-lirph-de-les-hipoteques\/\"},\"author\":{\"name\":\"Abac Legal\",\"@id\":\"https:\/\/abaclegal.com\/ca\/#\/schema\/person\/17b9e82e0c6832d608f84ff5a565167d\"},\"headline\":\"Reclamaci\u00f3 l\u2019IRPH de les hipoteques\",\"datePublished\":\"2020-03-04T15:22:00+00:00\",\"dateModified\":\"2023-04-12T10:43:04+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/abaclegal.com\/ca\/reclamacio-lirph-de-les-hipoteques\/\"},\"wordCount\":412,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/abaclegal.com\/ca\/#organization\"},\"image\":{\"@id\":\"https:\/\/abaclegal.com\/ca\/reclamacio-lirph-de-les-hipoteques\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/abaclegal.com\/wp-content\/uploads\/2023\/02\/IRPH.jpg\",\"articleSection\":[\"Sin categorizar\"],\"inLanguage\":\"ca\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/abaclegal.com\/ca\/reclamacio-lirph-de-les-hipoteques\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/abaclegal.com\/ca\/reclamacio-lirph-de-les-hipoteques\/\",\"url\":\"https:\/\/abaclegal.com\/ca\/reclamacio-lirph-de-les-hipoteques\/\",\"name\":\"Reclamaci\u00f3 l\u2019IRPH de les hipoteques - 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