{"id":4052,"date":"2021-01-07T16:39:50","date_gmt":"2021-01-07T15:39:50","guid":{"rendered":"https:\/\/www.bbsabogados.com\/dret-bancari-i-financer\/nullitat-hipoteques-amb-irph\/"},"modified":"2025-11-26T08:01:23","modified_gmt":"2025-11-26T07:01:23","slug":"nullitat-hipoteques-amb-irph","status":"publish","type":"page","link":"https:\/\/www.bbsabogados.com\/ca\/dret-bancari-i-financer\/nullitat-hipoteques-amb-irph\/","title":{"rendered":"Nul\u00b7litat Hipoteques amb IRPH"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"4052\" class=\"elementor elementor-4052 elementor-119\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5ae670e5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5ae670e5\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-76bab01a\" data-id=\"76bab01a\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-7994dd11 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7994dd11\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-29150066\" data-id=\"29150066\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3539a1fc elementor-widget elementor-widget-image\" data-id=\"3539a1fc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1164\" height=\"350\" src=\"https:\/\/www.bbsabogados.com\/wp-content\/uploads\/2020\/05\/irph.jpg\" class=\"attachment-full size-full wp-image-716\" alt=\"irph hipotecas abogado\" srcset=\"https:\/\/www.bbsabogados.com\/wp-content\/uploads\/2020\/05\/irph.jpg 1164w, https:\/\/www.bbsabogados.com\/wp-content\/uploads\/2020\/05\/irph-300x90.jpg 300w, https:\/\/www.bbsabogados.com\/wp-content\/uploads\/2020\/05\/irph-1024x308.jpg 1024w, https:\/\/www.bbsabogados.com\/wp-content\/uploads\/2020\/05\/irph-768x231.jpg 768w\" sizes=\"(max-width: 1164px) 100vw, 1164px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6a51768 elementor-widget elementor-widget-breadcrumbs\" data-id=\"6a51768\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"breadcrumbs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p id=\"breadcrumbs\"><span><span><a href=\"https:\/\/www.bbsabogados.com\/ca\/\"><i class=\"fa fa-home\"><\/i><\/a><\/span><\/span><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-2e44ea57 elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2e44ea57\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-78717457\" data-id=\"78717457\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1e5b964 elementor-widget elementor-widget-heading\" data-id=\"1e5b964\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">\"Som el primer despatx a aconseguir la primera Sent\u00e8ncia sobre IRPH a Catalunya (2015)\"<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-68898d2d elementor-widget elementor-widget-image\" data-id=\"68898d2d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"500\" height=\"342\" src=\"https:\/\/www.bbsabogados.com\/wp-content\/uploads\/2020\/05\/presentacio-irph-bbs.jpg\" class=\"attachment-large size-large wp-image-686\" alt=\"\" srcset=\"https:\/\/www.bbsabogados.com\/wp-content\/uploads\/2020\/05\/presentacio-irph-bbs.jpg 500w, https:\/\/www.bbsabogados.com\/wp-content\/uploads\/2020\/05\/presentacio-irph-bbs-300x205.jpg 300w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d4c1997 elementor-widget elementor-widget-wp-widget-fetch_tweets_widget_by_id\" data-id=\"3d4c1997\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"wp-widget-fetch_tweets_widget_by_id.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<strong>Fetch Tweets<\/strong>: Could not authenticate you. Code: 32\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-2f706176\" data-id=\"2f706176\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6f0284ae elementor-widget elementor-widget-heading\" data-id=\"6f0284ae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">BBS Advocats, especialitzats en Cl\u00e0usula IRPH<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-31db209 elementor-widget elementor-widget-heading\" data-id=\"31db209\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">BBS Advocats especialitzats en IRPH. Atenem totes les seves consultes i li oferim un assessorament integral i individualitzat per aconseguir eliminar la cl\u00e0usula IRPH i recuperar tots els seus diners. a m\u00e9s, tamb\u00e9 ens encarreguem d'assessorar en el cas que la cl\u00e0usula IRPH vingui incorporada amb altres cl\u00e0usules (cl\u00e0usula s\u00f2l, inter\u00e8s de demora, comissions indegudes, despeses d'hipoteca, etc.).<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2276c54 elementor-widget elementor-widget-heading\" data-id=\"2276c54\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">\"BBS Advocats va aconseguir la primera Sent\u00e8ncia a Catalunya declarant la nul\u00b7litat d'una cl\u00e0usula IRPH, en data 2015.03.16, i una de les primeres a Espanya.\"<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-04c6252 elementor-widget elementor-widget-text-editor\" data-id=\"04c6252\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tDes BBS Advocats, Despatx especialitzat en Dret Bancari i financer, amb m\u00e9s de 25 anys d&#8217;experi\u00e8ncia en el sector, portem molts anys defensant els interessos dels consumidors afectats per l&#8217;IRPH, sent <strong>el primer despatx a Catalunya en obtenir una sent\u00e8ncia declarant la nul\u00b7litat d&#8217;una cl\u00e0usula IRPH, davant el Jutjat Mercantil n\u00ba 7 de Barcelona, \u200b\u200ben data 16 de mar\u00e7 de 2015, i un dels primers a Espanya.<\/strong>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-858ce98 elementor-widget elementor-widget-text-editor\" data-id=\"858ce98\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Qu\u00e8 \u00e9s l&#8217;IRPH? | Sent\u00e8ncia TJUE | Segona Q\u00fcesti\u00f3 Prejudicial TJUE | Com saber si la meva hipoteca est\u00e0 referenciada a l&#8217;IRPH |<br \/>Passos per Reclamar |<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1227824 elementor-widget elementor-widget-heading\" data-id=\"1227824\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"que\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Qu\u00e8 \u00e9s l'IRPH?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d8d50ab elementor-widget elementor-widget-text-editor\" data-id=\"d8d50ab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>L&#8217;IRPH s\u00f3n les sigles de l&#8217;\u00cdndex de Refer\u00e8ncia de Pr\u00e9stecs Hipotecaris, \u00e9s a dir \u00e9s un dels indicadors que utilitzen les diferents entitats financeres per actualitzar el tipus d&#8217;inter\u00e8s de les hipoteques a tipus variable dels seus clients. Aix\u00ed com moltes hipoteques estan referenciades a l&#8217;eur\u00edbor, altres estan referenciades a l&#8217;IRPH, el qual ha resultat ser molt m\u00e9s car i perjudicial per al consumidor.<\/p>\n<p>El IRPH pot presentar en quatre modalitats, IRPH Caixes, IRPH Bancs, IRPH Seca i IRPH Entitats. No obstant aix\u00f2, des del 27 de setembre de 2013, l&#8217;\u00fanic \u00edndex IRPH vigent \u00e9s el Entitats, sent que les altres tres modalitats van desapar\u00e8ixer amb l&#8217;entrada en vigor de la llei 14\/2013 de 27 de setembre, de suport als emprenedors i la seva internacionalitzaci\u00f3.<\/p>\n<p>Arran d&#8217;aquesta llei, en tots aquells pr\u00e9stecs referenciats a un dels \u00edndexs desapareguts, se&#8217;ls aplica els \u00edndexs substitutius previstos en el pr\u00e9stec, sent que en la majoria s&#8217;estableix un IRPH FIX que es correspon amb l&#8217;\u00faltim valor aplicat en l&#8217;\u00faltima revisi\u00f3.<\/p>\n<p>&#8220;Un \u00edndex f\u00e0cilment manipulable i poc transparent&#8221;<\/p>\n<p>S\u00f3n molts els conflictes que s&#8217;han generat al voltant de l&#8217;IRPH, i s\u00f3n molts els Jutjats i Audi\u00e8ncies que han considerat que l&#8217;IRPH \u00e9s un tipus d&#8217;inter\u00e8s que pot ser manipulable, abusiu i que s&#8217;hauria produ\u00eft p\u00e8rdues de milers d&#8217;euros en els consumidors i per aix\u00f2 ho han declarat nul.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f600489 elementor-widget elementor-widget-heading\" data-id=\"f600489\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"sentencia\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Sentencia del Tribunal de Justicia de la Uni\u00f3n Europea de 3 de marzo de 2020<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cf921e0 elementor-widget elementor-widget-text-editor\" data-id=\"cf921e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Per dilucidar les contradiccions judicials, es va presentar davant el Tribunal de Just\u00edcia de la Uni\u00f3 Europea (TJUE) una q\u00fcesti\u00f3 prejudicial per valorar, entre altres coses, la validesa de l&#8217;IRPH. D&#8217;aquesta manera, en data 3 de mar\u00e7 de l&#8217;any 2020, el TJUE va dictar la seva <a href=\"http:\/\/curia.europa.eu\/juris\/document\/document.jsf?text&amp;docid=223983&amp;pageIndex=0&amp;doclang=ES&amp;mode=req&amp;dir&amp;occ=first&amp;part=1&amp;cid=116102\" target=\"_blank\" rel=\"noopener\">sent\u00e8ncia<\/a>.<\/p>\n<p><strong>Claus de la Sent\u00e8ncia de l&#8217;TJUE de 3 de mar\u00e7:<\/strong><\/p>\n<p>1) <strong>La cl\u00e0usula IRPH no queda exempta<\/strong> de l&#8217;control de transpar\u00e8ncia. Per aix\u00f2, els jutges espanyols hauran de comprovar que la cl\u00e0usula IRPH sigui clara i entenedora.<\/p>\n<p>2) <strong>Per considerar que un consumidor ha estat degudament informat sobre les conseq\u00fc\u00e8ncies econ\u00f2miques de lligar la seva hipoteca a l&#8217;IRPH, el banc haur\u00e0 de demostrar:<\/strong><\/p>\n<ul>\n<li>Que va informar a l&#8217;consumidor sobre l&#8217;evoluci\u00f3 passada de tal \u00edndex (amb gr\u00e0fics i taules).<\/li>\n<li>Que explicar a el consumidor la seva f\u00f3rmula de c\u00e0lcul.<\/li>\n<li>Que es va assegurar que el client era conscient de les conseq\u00fc\u00e8ncies econ\u00f2miques que l&#8217;\u00edndex li anava a reportar.<\/li>\n<\/ul>\n<p><em>La majoria de les entitats banc\u00e0ries NO podran demostrar-ho.<\/em><\/p>\n<p><strong>3) En relaci\u00f3 amb les conseq\u00fc\u00e8ncies de la nul\u00b7litat de la cl\u00e0usula IRPH.<\/strong><\/p>\n<ul>\n<li>El TJUE aclareix que la nul\u00b7litat d&#8217;una cl\u00e0usula comporta la seva expulsi\u00f3 de l&#8217;contracte, i aix\u00f2 vol dir que, si la cl\u00e0usula IRPH no supera el control de transpar\u00e8ncia, el pr\u00e9stec qued\u00e9s sense inter\u00e8s.<\/li>\n<li>El TJUE tamb\u00e9 ha declarat que la legislaci\u00f3 europea no s&#8217;oposa que es substitueixi l&#8217;IRPH per un altre \u00edndex legal (com l&#8217;Euribor), <strong>SEMPRE QUE<\/strong>:<br \/>\n<strong>1.-<\/strong> El contracte no pugui subsistir sense inter\u00e8s (no seria el cas perqu\u00e8 un pr\u00e9stec pot ser gratu\u00eft)<br \/>\n<strong>2.-<\/strong> A m\u00e9s, que la nul\u00b7litat de l&#8217;contracte sigui perjudicial per al consumidor (\u00e9s a dir, que si el contracte es declara nul i el client es veu amb l&#8217;obligaci\u00f3 de retornar tot el pr\u00e9stec de cop i aix\u00f2 \u00e9s perjudicial per a ell, el jutge podria aplicar un altre \u00edndex.)<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-93a37b7 elementor-widget elementor-widget-heading\" data-id=\"93a37b7\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"tjue\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Segona Q\u00fcesti\u00f3 Prejudicial davant el TJUE<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5070e31 elementor-widget elementor-widget-text-editor\" data-id=\"5070e31\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Encara que la nostra posici\u00f3 \u00e9s que la Sent\u00e8ncia de l&#8217;TJUE de 3 de mar\u00e7 de 2020 \u00e9s clara, l&#8217;IRPH segueix sense ser una q\u00fcesti\u00f3 pac\u00edfica en la jurisprud\u00e8ncia. Tot i que la majoria dels jutjats estan donant la ra\u00f3 a l&#8217;consumidor per considerar que la cl\u00e0usula IRPH es va incorporar a la hipoteca de forma poc transparent, hi ha certes audi\u00e8ncies provincials que, en contra de l&#8217;criteri de l&#8217;TJUE, estan fallant a favor de el banc . Aquesta \u00e9s una q\u00fcesti\u00f3 molt greu ja que les resolucions de l&#8217;TJUE s\u00f3n VINCULANTS i per tant els jutges espanyols estan obligats a seguir-les.<\/p>\n<p>Per aix\u00f2, el mateix jutge que va elevar la primera q\u00fcesti\u00f3 prejudicial ha tornat a preguntar a el TJUE sobre l&#8217;abast de l&#8217;control de transpar\u00e8ncia de l&#8217;IRPH. Des BBS Advocats, estem pendents de les \u00faltimes novetats a l&#8217;respecte i us mantindrem informats a trav\u00e9s dels nostres canals de comunicaci\u00f3 habituals i de el bloc especialitzat en IRPH.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a5f1aa5 elementor-widget elementor-widget-heading\" data-id=\"a5f1aa5\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"como\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Com puc saber si la meva hipoteca est\u00e0 referenciada a l'IRPH?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8998ce3 elementor-widget elementor-widget-text-editor\" data-id=\"8998ce3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tUn dubte molt freq\u00fcent dels clients que acudeixen al nostre despatx \u00e9s si la seva hipoteca est\u00e0 referenciada a l&#8217;IRPH. No \u00e9s una pregunta estranya, ja que la veritat \u00e9s que no \u00e9s senzill identificar l&#8217;\u00edndex IRPH en un pr\u00e9stec hipotecari. No obstant aix\u00f2, hi ha alguns trucs que poden facilitar la seva identificaci\u00f3:<br><br>Cl\u00e0usula 3 bis de la hipoteca: en les escriptures de pr\u00e9stec hipotecari, la cl\u00e0usula 3 bis sol ser la relativa a l&#8217;inter\u00e8s variable i, per tant, on ha de constar l&#8217;\u00edndex de refer\u00e8ncia que s&#8217;aplica a la hipoteca. Us advertim per endavant que no veur\u00e0 enlloc les sigles &#8220;IRPH&#8221;, sin\u00f3 que el que trobar\u00e0 \u00e9s un redactat que dir\u00e0 alguna cosa aix\u00ed: &#8220;tipus mitj\u00e0 dels pr\u00e9stecs hipotecaris a m\u00e9s de tres anys per a l&#8217;adquisici\u00f3 d&#8217;habitatge lliure, concedit per el conjunt de caixes d&#8217;estalvi (o bancs, segons el cas) &#8220;<br>Els rebuts de la hipoteca: revisi els \u00faltims rebuts de la hipoteca i comprovi si l&#8217;inter\u00e8s que li estan aplicant \u00e9s superior a l&#8217;\u00faltim valor de l&#8217;Euribor m\u00e9s el diferencial pactat. Si el seu inter\u00e8s \u00e9s superior a el 3%, segurament la seva hipoteca estigui referenciada a l&#8217;IRPH, o tingui una cl\u00e0usula s\u00f2l\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-078437f elementor-widget elementor-widget-heading\" data-id=\"078437f\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"pasos\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Passos per reclamar una cl\u00e0usula IRPH<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-682d692 elementor-widget elementor-widget-text-editor\" data-id=\"682d692\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>En primer lloc, vam concertar una primera visita gratu\u00efta amb el client per revisar la documentaci\u00f3 i aix\u00ed poder avaluar el cas. \u00c9s molt important que en aquesta primera reuni\u00f3 portin l&#8217;escriptura de pr\u00e9stec hipotecari (no la de compravenda) i, en la mesura del possible, el quadre d&#8217;amortitzaci\u00f3 i d&#8217;interessos. Si no sap com aconseguir-ho, pot posar-se en contacte amb nosaltres i li explicarem com.<br \/>En segon lloc, \u00e9s molt important realitzar un c\u00e0lcul econ\u00f2mic de l&#8217;perjudici derivat de la cl\u00e0usula IRPH, no nom\u00e9s perqu\u00e8 el client conegui el menyscabament sofert, sin\u00f3 perqu\u00e8 ser\u00e0 necessari aportar amb la demanda. En BBS Advocats, portem anys col\u00b7laborant amb una experta en economia matem\u00e0tica que s&#8217;encarrega d&#8217;elaborar-lo.<br \/>En tercer lloc, aconsellem fer una reclamaci\u00f3 extrajudicial a l&#8217;entitat banc\u00e0ria, per poder arribar a un acord que benefici\u00ef al nostre client i aix\u00ed s&#8217;estalvi\u00ef acudir als tribunals.<br \/>Si la reclamaci\u00f3 extrajudicial no prospera, vam iniciar un procediment judicial, \u00e9s a dir, interposem una demanda contra el banc per aconseguir que es declari la nul\u00b7litat de la cl\u00e0usula IRPH i que es retornin a el client les quantitats pagades de m\u00e9s des de la subscripci\u00f3 de l&#8217;pr\u00e9stec, els interessos legals i les costes processals.<\/p>\n<p>Pot contactar amb nosaltres escrivint-nos a bbsabogados@bbsabogados.com o trucant a l&#8217;93.760 53 77 o enviant un <a href=\"https:\/\/wa.me\/34619255875\">WhatsApp.<\/a><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-49d10bb elementor-align-left elementor-widget elementor-widget-button\" data-id=\"49d10bb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.bbsabogados.com\/ca\/categoria\/irph-ca\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Novetats Cl\u00e0usula IRPH<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-777cbee elementor-widget elementor-widget-heading\" data-id=\"777cbee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">news<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bcf0684 elementor-grid-3 elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-widget elementor-widget-portfolio\" data-id=\"bcf0684\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;columns&quot;:&quot;3&quot;,&quot;columns_tablet&quot;:&quot;2&quot;,&quot;columns_mobile&quot;:&quot;1&quot;,&quot;item_ratio&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:0.66,&quot;sizes&quot;:[]},&quot;item_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"portfolio.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-portfolio elementor-grid elementor-posts-container\" role=\"list\">\n\t\t\t\t<article class=\"elementor-portfolio-item elementor-post  post-11975 post type-post status-publish format-standard has-post-thumbnail hentry category-assesorament-hipoteques category-hipoteca-inversa-ca category-hipoteca-tranquillitat-creixent category-hipoteques-multidivisa-ca category-irph-ca category-noticies-juridiques category-noticies-juridiques-novetats-legals-rellevants\" role=\"listitem\">\n\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/www.bbsabogados.com\/ca\/advocats-experts-en-irph-nullitat-devolucio-dinteressos-i-exit-judicial-garantit\/\">\n\t\t\t\t<div class=\"elementor-portfolio-item__img elementor-post__thumbnail\">\n\t\t\t<img decoding=\"async\" width=\"402\" height=\"253\" src=\"https:\/\/www.bbsabogados.com\/wp-content\/uploads\/2025\/10\/expertos-en-irph-1.webp\" class=\"attachment-full size-full wp-image-12102\" alt=\"Abogados expertos en IRPH\" srcset=\"https:\/\/www.bbsabogados.com\/wp-content\/uploads\/2025\/10\/expertos-en-irph-1.webp 402w, https:\/\/www.bbsabogados.com\/wp-content\/uploads\/2025\/10\/expertos-en-irph-1-300x189.webp 300w\" sizes=\"(max-width: 402px) 100vw, 402px\" \/>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-portfolio-item__overlay\">\n\t\t\t\t<h3 class=\"elementor-portfolio-item__title\">\n\t\tAdvocats experts en IRPH: nul\u00b7litat, devoluci\u00f3 d&#8217;interessos i \u00e8xit judicial garantit\t\t<\/h3>\n\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t<\/article>\n\t\t\t\t<article class=\"elementor-portfolio-item elementor-post  post-10103 post type-post status-publish format-standard has-post-thumbnail hentry category-cda-triodos-bank-certificat-de-diposits-per-a-accions category-noticies-juridiques category-noticies-juridiques-novetats-legals-rellevants tag-cda-ca tag-sentencies tag-tridosbank-ca tag-triodos-ca\" role=\"listitem\">\n\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/www.bbsabogados.com\/ca\/cdas-triodos-bank-sentencia-favorable-a-madrid\/\">\n\t\t\t\t<div class=\"elementor-portfolio-item__img elementor-post__thumbnail\">\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"638\" height=\"402\" src=\"https:\/\/www.bbsabogados.com\/wp-content\/uploads\/2024\/10\/CDAs-Triodos-Bank-Sentencia-favorable-en-Madrid.jpg\" class=\"attachment-full size-full wp-image-10090\" alt=\"\" srcset=\"https:\/\/www.bbsabogados.com\/wp-content\/uploads\/2024\/10\/CDAs-Triodos-Bank-Sentencia-favorable-en-Madrid.jpg 638w, https:\/\/www.bbsabogados.com\/wp-content\/uploads\/2024\/10\/CDAs-Triodos-Bank-Sentencia-favorable-en-Madrid-300x189.jpg 300w\" sizes=\"(max-width: 638px) 100vw, 638px\" \/>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-portfolio-item__overlay\">\n\t\t\t\t<h3 class=\"elementor-portfolio-item__title\">\n\t\tCDAs Triodos Bank: Sent\u00e8ncia favorable a Madrid\t\t<\/h3>\n\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t<\/article>\n\t\t\t\t<article class=\"elementor-portfolio-item elementor-post  post-9241 post type-post status-publish format-standard has-post-thumbnail hentry category-cda-triodos-bank-certificat-de-diposits-per-a-accions category-noticies-juridiques-novetats-legals-rellevants category-noticies-juridiques category-sentencies-destacades-bbs-advocats\" role=\"listitem\">\n\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/www.bbsabogados.com\/ca\/triodos-bank-condemnada-a-saragossa-per-venda-de-cdas-a-un-matrimono-per-la-suma-de-770-40634-e\/\">\n\t\t\t\t<div class=\"elementor-portfolio-item__img elementor-post__thumbnail\">\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"638\" height=\"402\" src=\"https:\/\/www.bbsabogados.com\/wp-content\/uploads\/2023\/12\/triodos_sentencia_zaragoza_2023_web.jpg\" class=\"attachment-full size-full wp-image-9149\" alt=\"Triodos Bank Condenada en Zaragoza.\" srcset=\"https:\/\/www.bbsabogados.com\/wp-content\/uploads\/2023\/12\/triodos_sentencia_zaragoza_2023_web.jpg 638w, https:\/\/www.bbsabogados.com\/wp-content\/uploads\/2023\/12\/triodos_sentencia_zaragoza_2023_web-300x189.jpg 300w\" sizes=\"(max-width: 638px) 100vw, 638px\" \/>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-portfolio-item__overlay\">\n\t\t\t\t<h3 class=\"elementor-portfolio-item__title\">\n\t\tTriodos Bank Condemnada a Saragossa per Venda de CDAs a un Matrimono per la Suma de 770.406,34.-\u20ac\t\t<\/h3>\n\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t<\/article>\n\t\t\t\t<article class=\"elementor-portfolio-item elementor-post  post-8761 post type-post status-publish format-standard has-post-thumbnail hentry category-cda-triodos-bank-certificat-de-diposits-per-a-accions\" role=\"listitem\">\n\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/www.bbsabogados.com\/ca\/cotitzacio-dels-cdas-de-triodos-al-sistema-de-captin\/\">\n\t\t\t\t<div class=\"elementor-portfolio-item__img elementor-post__thumbnail\">\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"638\" height=\"402\" src=\"https:\/\/www.bbsabogados.com\/wp-content\/uploads\/2023\/07\/CDAs-triodos-baja-cotizacion-captin.jpg\" class=\"attachment-full size-full wp-image-8752\" alt=\"Baja cotizaci\u00f3n CDAs Triodos Captin\" srcset=\"https:\/\/www.bbsabogados.com\/wp-content\/uploads\/2023\/07\/CDAs-triodos-baja-cotizacion-captin.jpg 638w, https:\/\/www.bbsabogados.com\/wp-content\/uploads\/2023\/07\/CDAs-triodos-baja-cotizacion-captin-300x189.jpg 300w\" sizes=\"(max-width: 638px) 100vw, 638px\" \/>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-portfolio-item__overlay\">\n\t\t\t\t<h3 class=\"elementor-portfolio-item__title\">\n\t\tCotitzaci\u00f3 dels CDAs de Triodos al sistema de Captin\t\t<\/h3>\n\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t<\/article>\n\t\t\t\t<article class=\"elementor-portfolio-item elementor-post  post-8759 post type-post status-publish format-standard has-post-thumbnail hentry category-hipoteques-multidivisa-ca\" role=\"listitem\">\n\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/www.bbsabogados.com\/ca\/obtenim-sentencia-del-suprem-que-declara-la-nullitat-duna-hipoteca-multidivisa-dun-pilot\/\">\n\t\t\t\t<div class=\"elementor-portfolio-item__img elementor-post__thumbnail\">\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"638\" height=\"402\" src=\"https:\/\/www.bbsabogados.com\/wp-content\/uploads\/2023\/07\/Supremo-que-declara-la-nulidad-de-una-Hipoteca-Multidivisa-de-un-Piloto-1.jpg\" class=\"attachment-full size-full wp-image-8786\" alt=\"Obtenemos Sentencia del Supremo que declara la nulidad de una Hipoteca Multidivisa de un Piloto.\" srcset=\"https:\/\/www.bbsabogados.com\/wp-content\/uploads\/2023\/07\/Supremo-que-declara-la-nulidad-de-una-Hipoteca-Multidivisa-de-un-Piloto-1.jpg 638w, https:\/\/www.bbsabogados.com\/wp-content\/uploads\/2023\/07\/Supremo-que-declara-la-nulidad-de-una-Hipoteca-Multidivisa-de-un-Piloto-1-300x189.jpg 300w\" sizes=\"(max-width: 638px) 100vw, 638px\" \/>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-portfolio-item__overlay\">\n\t\t\t\t<h3 class=\"elementor-portfolio-item__title\">\n\t\tObtenim Sent\u00e8ncia del Suprem que declara la nul\u00b7litat d\u201funa Hipoteca Multidivisa d\u201fun Pilot.\t\t<\/h3>\n\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t<\/article>\n\t\t\t\t<article class=\"elementor-portfolio-item elementor-post  post-8595 post type-post status-publish format-standard has-post-thumbnail hentry category-dret-gestio-immobiliaria-ca\" role=\"listitem\">\n\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/www.bbsabogados.com\/ca\/despeses-compravenda-habitatge\/\">\n\t\t\t\t<div class=\"elementor-portfolio-item__img elementor-post__thumbnail\">\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"450\" height=\"300\" src=\"https:\/\/www.bbsabogados.com\/wp-content\/uploads\/2020\/06\/general_blogs3.jpg\" class=\"attachment-full size-full wp-image-2329\" alt=\"bbs abogados\" srcset=\"https:\/\/www.bbsabogados.com\/wp-content\/uploads\/2020\/06\/general_blogs3.jpg 450w, https:\/\/www.bbsabogados.com\/wp-content\/uploads\/2020\/06\/general_blogs3-300x200.jpg 300w\" sizes=\"(max-width: 450px) 100vw, 450px\" \/>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-portfolio-item__overlay\">\n\t\t\t\t<h3 class=\"elementor-portfolio-item__title\">\n\t\tdespeses compravenda habitatge\t\t<\/h3>\n\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>&#8220;Som el primer despatx a aconseguir la primera Sent\u00e8ncia sobre IRPH a Catalunya (2015)&#8221; BBS Advocats, especialitzats en Cl\u00e0usula IRPH BBS Advocats especialitzats en IRPH. Atenem totes les seves consultes i li oferim un assessorament integral i individualitzat per aconseguir eliminar la cl\u00e0usula IRPH i recuperar tots els seus diners. a m\u00e9s, tamb\u00e9 ens encarreguem [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2329,"parent":4036,"menu_order":3,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"class_list":["post-4052","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Nul\u00b7litat Hipoteques amb IRPH - Despacho BBS Abogados<\/title>\n<meta name=\"description\" content=\"Advocats especialitzats en IRPH. En BBS Advocats donem assessorament jur\u00eddic als afectats per IRPH, atenem totes les seves consultes.\" \/>\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\/dret-bancari-i-financer\/nullitat-hipoteques-amb-irph\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Nul\u00b7litat Hipoteques amb IRPH - Despacho BBS Abogados\" \/>\n<meta property=\"og:description\" content=\"Advocats especialitzats en IRPH. 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