{"id":235,"count":7,"description":"

Advocats Cl\u00e0usula S\u00f2l\r\nEmpreses Aut\u00f2noms i Particulars<\/h1>\r\n
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Cl\u00e0usula S\u00f2l per a Empreses Aut\u00f2noms i Particulars<\/h3>\r\n<\/div>\r\n<\/div>\r\n
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\r\n\r\nLa preocupaci\u00f3 m\u00e9s gran a l'hora de reclamar la nul\u00b7litat de la cl\u00e0usula s\u00f2l \u00e9s la de condici\u00f3 del prestador. En principi, nom\u00e9s amb la condici\u00f3 de consumidor \u00e9s aplicable la Llei de Consumidors i Usuaris.\r\n\r\nTot i aix\u00f2, la nova jurisprud\u00e8ncia del Tribunal Suprem ha obert la porta a les empreses i aut\u00f2noms a reclamar la nul\u00b7litat la cl\u00e0usula s\u00f2l<\/strong>, encara que el pr\u00e9stec s'hagi realitzat amb fins professionals o comercials. Aquesta nova doctrina es fonamenta que la Llei de Condicions Generals de la Contractaci\u00f3<\/strong> \u2013que tamb\u00e9 regula l'abusivitat de les cl\u00e0usules contractuals\u2013 preveu la seva aplicaci\u00f3 aix\u00ed mateix per a les persones jur\u00eddiques, ja que, segons l'exposici\u00f3 de motius de la llei esmentada, hi ha igualment situacions d'ab\u00fas quan els contractes se signen entre empreses. En aquest sentit ja s'ha pronunciat el Suprem en la sent\u00e8ncia de 25 de mar\u00e7 del 2019 i en la sent\u00e8ncia d'11 de mar\u00e7 del 2020; les Audi\u00e8ncies Provincials, com la de Girona a la seva sent\u00e8ncia de 19 de juliol de 2019; i multitud de jutjats de primera inst\u00e0ncia.\r\n\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n
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Qu\u00e8 s\u00f3n les Cl\u00e0usules S\u00f2l?<\/h3>\r\n<\/div>\r\n<\/div>\r\n
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\r\n\r\nLa cl\u00e0usula s\u00f2l<\/strong> \u00e9s una cl\u00e0usula contractual inserida en multitud de pr\u00e9stecs hipotecaris que fixa un m\u00ednim a pagar a les quotes de la hipoteca<\/strong>, encara que l'\u00edndex a qu\u00e8 estigui vinculada (per exemple, l'Euribor) sigui inferior. Per tant, sempre es pagar\u00e0 aquest inter\u00e8s.\r\n\r\nAbans i durant la crisi, moltes de les hipoteques variables que es concedien tenien aquesta cl\u00e0usula s\u00f2l, el valor del qual normalment no baixava del 3%. En conseq\u00fc\u00e8ncia, quan l'eur\u00edbor (l'\u00edndex de refer\u00e8ncia m\u00e9s utilitzat) va comen\u00e7ar a baixar, a molts hipotecats se'ls va aplicar un tipus m\u00ednim que els feia pagar m\u00e9s diners dels que haguessin abonat si no exist\u00eds aquest l\u00edmit, sense poder beneficiar-se de la caiguda d'aquest \u00edndex.\r\n\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n
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Per qu\u00e8 s\u00f3n nul\u00b7les les Cl\u00e0usules S\u00f2l?<\/h3>\r\n<\/div>\r\n<\/div>\r\n
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\r\n\r\nCl\u00e0usula S\u00f2l Empreses Aut\u00f2noms i Particulars van ser incorporades al pr\u00e9stec hipotecari amb manca de transpar\u00e8ncia per part de les entitats banc\u00e0ries. Doncs en molts casos no es van explicar quines eren les conseq\u00fc\u00e8ncies de tenir aquesta cl\u00e0usula a la hipoteca.\r\n\r\nEl 9 de maig de 2013<\/strong> el Tribunal Suprem<\/strong> va establir la nul\u00b7litat de les cl\u00e0usules s\u00f2l per falta de transpar\u00e8ncia<\/strong>.<\/a> M\u00e9s endavant, el 21 de desembre de 2016 va ser el Tribunal de Just\u00edcia de la Uni\u00f3 Europea qui va confirmar la nul\u00b7litat de la cl\u00e0usula s\u00f2l, establint que la devoluci\u00f3 dels interessos pagats de m\u00e9s en interessos legals.\r\n\r\nAix\u00ed mateix, el Tribunal Suprem va establir a la seva Sent\u00e8ncia de 4 de juliol de 2017que, si s'estimava la demanda sobre cl\u00e0usules s\u00f2l, es deu","link":"https:\/\/www.bbsabogados.com\/ca\/categoria\/clausula-terra\/","name":"Cl\u00e0usula Terra","slug":"clausula-terra","taxonomy":"category","parent":0,"meta":[],"acf":[],"yoast_head":"\nCl\u00e0usula S\u00f2l Empreses Aut\u00f2noms i Particulars - BBS Advocats<\/title>\n<meta name=\"description\" content=\"Cl\u00e0usula S\u00f2l Empreses Aut\u00f2noms i Particulars van ser incorporades al pr\u00e9stec hipotecari amb manca de transpar\u00e8ncia.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.bbsabogados.com\/ca\/categoria\/clausula-terra\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cl\u00e0usula S\u00f2l Empreses Aut\u00f2noms i Particulars - 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