{"id":3508,"date":"2022-10-20T14:46:45","date_gmt":"2022-10-20T12:46:45","guid":{"rendered":"https:\/\/plazadvocats.com\/las-preguntas-y-respuestas-sobre-la-nueva-ley-de-vivienda-que-se-hacen-la-mayoria-de-los-propietarios\/"},"modified":"2026-08-06T13:21:59","modified_gmt":"2026-08-06T11:21:59","slug":"clausules-abusives-a-la-teva-hipoteca-com-saber-si-pots-reclamar","status":"publish","type":"post","link":"https:\/\/plazadvocats.com\/ca\/clausules-abusives-a-la-teva-hipoteca-com-saber-si-pots-reclamar\/","title":{"rendered":"Cl\u00e0usules abusives a la teva hipoteca: com saber si pots reclamar"},"content":{"rendered":"

Cl\u00e0usules abusives a la teva hipoteca: com saber si pots reclamar<\/h1>\n

Milers d’hipoteques signades a Espanya durant els darrers anys contenen cl\u00e0usules que els tribunals han declarat abusives per manca de transpar\u00e8ncia o per generar un desequilibri injustificat en perjudici del consumidor. Si tens una hipoteca, especialment si la vas signar abans del 2019, \u00e9s molt probable que et convingui revisar-la. T’expliquem quines cl\u00e0usules s\u00f3n les m\u00e9s habituals i quines opcions tens per reclamar.<\/p>\n

Qu\u00e8 fa que una cl\u00e0usula sigui abusiva?<\/h2>\n

Una cl\u00e0usula es considera abusiva quan, en un contracte amb un consumidor, genera un desequilibri important entre els drets i les obligacions de les parts, en perjudici del client, i a m\u00e9s no ha estat negociada individualment ni explicada amb la claredat i la transpar\u00e8ncia que exigeix la normativa de protecci\u00f3 de consumidors. La conseq\u00fc\u00e8ncia legal que una cl\u00e0usula es declari abusiva \u00e9s la seva nul\u00b7litat: es t\u00e9 per no posada, com si mai no hagu\u00e9s existit en el contracte.<\/p>\n

Les cl\u00e0usules m\u00e9s habituals que poden ser abusives<\/h2>\n

Cl\u00e0usula s\u00f2l<\/h3>\n

Estableix un l\u00edmit m\u00ednim al tipus d’inter\u00e8s variable, de manera que, encara que l’eur\u00edbor baixi, el client continua pagant un inter\u00e8s m\u00ednim fixat pel banc. Ha estat una de les cl\u00e0usules m\u00e9s litigades a Espanya, i en molts casos s’ha declarat nul\u00b7la per manca de transpar\u00e8ncia en la seva explicaci\u00f3 en signar la hipoteca.<\/p>\n

Despeses de constituci\u00f3 de la hipoteca<\/h3>\n

Durant anys, els bancs traslladaven als clients despeses com la notaria, la gestoria, el registre de la propietat o part de l’Impost d’Actes Jur\u00eddics Documentats. La jurisprud\u00e8ncia ha establert que bona part d’aquestes despeses corresponen a l’entitat banc\u00e0ria, i no al consumidor, per la qual cosa en molts casos \u00e9s possible reclamar-ne la devoluci\u00f3, si no ha prescrit el termini.<\/p>\n

IRPH (\u00cdndex de Refer\u00e8ncia de Pr\u00e9stecs Hipotecaris)<\/h3>\n

Es tracta d’un \u00edndex de refer\u00e8ncia diferent de l’eur\u00edbor, utilitzat per algunes entitats i que, en determinades condicions, ha resultat m\u00e9s car per al client. La seva validesa ha estat objecte de nombrosos procediments judicials, i en alguns casos els tribunals n’han declarat la nul\u00b7litat per manca de transpar\u00e8ncia.<\/p>\n

Cl\u00e0usula de venciment anticipat<\/h3>\n

Permet al banc donar per ven\u00e7ut tot el pr\u00e9stec i reclamar la totalitat del deute davant l’impagament d’una sola quota. Els tribunals n’han limitat l’aplicaci\u00f3 quan les condicions pactades resulten desproporcionades per al consumidor.<\/p>\n

Inter\u00e8s de demora abusiu<\/h3>\n

Es refereix als interessos aplicats en cas d’impagament, quan el seu import resulta desproporcionat respecte a l’inter\u00e8s ordinari pactat.<\/p>\n

Com saber si la teva hipoteca t\u00e9 cl\u00e0usules abusives?<\/h2>\n

El primer pas \u00e9s revisar detalladament l’escriptura del teu pr\u00e9stec hipotecari. Cal parar atenci\u00f3 especial a:<\/p>\n

    \n
  • L’apartat de tipus d’inter\u00e8s (variable, fix, l\u00edmits o “s\u00f2l”).<\/li>\n
  • La cl\u00e0usula relativa al repartiment de despeses de constituci\u00f3.<\/li>\n
  • L’\u00edndex de refer\u00e8ncia utilitzat, si l’inter\u00e8s \u00e9s variable.<\/li>\n
  • Les condicions de venciment anticipat en cas d’impagament.<\/li>\n<\/ul>\n

    At\u00e8s que la redacci\u00f3 d’aquestes cl\u00e0usules sol ser t\u00e8cnica, el m\u00e9s recomanable \u00e9s que un advocat especialitzat revisi el contracte i determini si hi ha motius per reclamar.<\/p>\n

    Com es reclama?<\/h2>\n

    El proc\u00e9s habitual consta dels passos seg\u00fcents:<\/p>\n

      \n
    1. Revisi\u00f3 del contracte hipotecari<\/strong> per part d’un professional especialitzat.<\/li>\n
    2. Reclamaci\u00f3 pr\u00e8via a l’entitat banc\u00e0ria<\/strong>, sol\u00b7licitant la devoluci\u00f3 de les quantitats cobrades indegudament.<\/li>\n
    3. Si el banc no respon o rebutja la reclamaci\u00f3<\/strong>, \u00e9s possible iniciar la via judicial per sol\u00b7licitar la nul\u00b7litat de la cl\u00e0usula i la devoluci\u00f3 de les quantitats corresponents, amb els seus interessos.<\/li>\n<\/ol>\n

      Per qu\u00e8 comptar amb un advocat especialitzat en dret bancari?<\/h2>\n

      Cada hipoteca i cada entitat tenen les seves particularitats, i la jurisprud\u00e8ncia en aquesta mat\u00e8ria evoluciona constantment. Un advocat especialitzat en dret bancari pot ajudar-te a:<\/p>\n

        \n
      • Analitzar la teva escriptura hipotec\u00e0ria i identificar possibles cl\u00e0usules abusives.<\/li>\n
      • Calcular les quantitats que podries reclamar.<\/li>\n
      • Negociar amb l’entitat banc\u00e0ria abans d’acudir als tribunals.<\/li>\n
      • Representar-te judicialment si cal.<\/li>\n<\/ul>\n

        A Plaza Advocats revisem la teva hipoteca sense comprom\u00eds i t’indiquem si hi ha motius per reclamar.<\/p>\n

        Vols saber si la teva hipoteca t\u00e9 cl\u00e0usules abusives?<\/strong> Contacta amb el nostre equip i t’ajudarem a esbrinar-ho.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"

        La teva hipoteca t\u00e9 cl\u00e0usules abusives? T’expliquem quines s\u00f3n les m\u00e9s comunes (s\u00f2l, despeses, IRPH) i com reclamar. Advocats a Lleida. categoria: Dret Bancari paraules_clau: cl\u00e0usules abusives hipoteca, cl\u00e0usula s\u00f2l, reclamar despeses hipoteca, advocat dret bancari Lleida<\/p>\n","protected":false},"author":1,"featured_media":3440,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[49],"tags":[46],"class_list":["post-3508","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home-ca","tag-taxation-ca"],"acf":[],"yoast_head":"\nCl\u00e0usules abusives a la teva hipoteca: com saber si pots reclamar - Plaza Advocats<\/title>\n<meta name=\"description\" content=\"La teva hipoteca t\u00e9 cl\u00e0usules abusives? 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