{"id":6512,"date":"2022-03-02T08:03:18","date_gmt":"2022-03-02T07:03:18","guid":{"rendered":"https:\/\/www.bbsabogados.com\/nullitat-de-lasseguranca-de-vida-de-prima-unica\/"},"modified":"2026-03-06T06:18:18","modified_gmt":"2026-03-06T05:18:18","slug":"nullitat-de-lasseguranca-de-vida-de-prima-unica","status":"publish","type":"post","link":"https:\/\/www.bbsabogados.com\/ca\/nullitat-de-lasseguranca-de-vida-de-prima-unica\/","title":{"rendered":"Nul\u00b7litat de l&#8217;asseguran\u00e7a de vida de prima \u00fanica."},"content":{"rendered":"\n<h3 class=\"wp-block-heading\"><strong>Es pot reclamar la prima \u00fanica de les Assegurances de vida de vinculades a una hipoteca.<\/strong><\/h3>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Qu\u00e8 \u00e9s una asseguran\u00e7a de prima \u00fanica vinculada a una hipoteca?<\/strong><\/h4>\n\n\n\n<p>L&#8217;asseguran\u00e7a de vida de prima \u00fanica \u00e9s una asseguran\u00e7a que se signa en el moment de constituir-se la hipoteca. <strong>Es tracta d&#8217;una asseguran\u00e7a que les entitats banc\u00e0ries imposen als consumidors<\/strong>, i es caracteritza perqu\u00e8 la prima es paga una vegada, en el moment de la signatura de la hipoteca. En aquest article us explicarem els motius de nul\u00b7litat de l&#8217;asseguran\u00e7a de vida de prima \u00fanica.<\/p>\n\n\n\n<p>\u00c9s a dir, el consumidor no paga la prima cada mes o cada trimestre (que \u00e9s la comuna), sin\u00f3 que l&#8217;entitat banc\u00e0ria ret\u00e9 la suma lliurada en concepte de capital, una quantitat que es correspon amb totes les primes de l&#8217;asseguran\u00e7a de vida. Fins i tot moltes vegades s&#8217;augmenta <strong>el capital de la hipoteca per finan\u00e7ar aquesta asseguran\u00e7a de vida.<\/strong><\/p>\n\n\n\n<p>D&#8217;aquesta manera, en finan\u00e7ar-se la prima amb el capital del pr\u00e9stec, <strong>s&#8217;hi generen interessos remuneratoris.<\/strong><\/p>\n\n\n\n<p>Tamb\u00e9 \u00e9s important esmentar que en la majoria dels casos, el banc obliga que aquesta asseguran\u00e7a es contracti amb una companyia del seu mateix grup. \u00c9s a dir, una entitat vinculada al banc, les primes del qual solen estar molt per sobre del preu de mercat.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Qu\u00e8 diu la Llei sobre les assegurances vinculades a les hipoteques?<\/strong><\/h4>\n\n\n\n<p>La llei no prohibeix que el banc obligui un client a subscriure una asseguran\u00e7a de vida per concedir-li la hipoteca. Tampoc no prohibeix que l&#8217;asseguran\u00e7a de vida sigui de prima \u00fanica.<\/p>\n\n\n\n<p>Ara b\u00e9, <strong>el que no pot fer el banc \u00e9s imposar que l&#8217;asseguran\u00e7a es subscrigui amb una entitat del mateix grup.<\/strong><\/p>\n\n\n\n<p>De fet, la <strong><a href=\"https:\/\/www.boe.es\/doue\/2014\/060\/L00034-00085.pdf\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"undefined (abre en una nueva pesta\u00f1a)\">Directiva 2014\/17\/UE del Parlament Europeu<\/a><\/strong> , transposada al nostre ordenament el 2019, ho preveu expressament a l&#8217;article 12.4:<\/p>\n\n\n\n<p><em>&#8220;Els Estats membres podran permetre als prestadors que exigeixin al consumidor subscriure una p\u00f2lissa d&#8217;assegurances pertinent en relaci\u00f3 amb el contracte de cr\u00e8dit. En aquests casos, els Estats membres <strong>vetllaran perqu\u00e8 el prestador accepti la p\u00f2lissa d&#8217;assegurances d&#8217;un prove\u00efdor diferent del seu prove\u00efdor favorit<\/strong> quan aquesta p\u00f2lissa tingui un nivell de garantia equivalent al nivell que hagi proposat el prestador.&#8221;<\/em><\/p>\n\n\n\n<p>D&#8217;aquesta manera, no nom\u00e9s els bancs no poden obligar el client a contractar l&#8217;asseguran\u00e7a amb una entitat vinculada, sin\u00f3 que han de facilitar que la p\u00f2lissa se subscrigui amb una entitat totalment aliena. <strong>El contrari redunda en clar perjudici al consumidor,<\/strong> ja que no pot comparar les ofertes daltres empreses dasseguran\u00e7a possiblement m\u00e9s beneficioses per a ell.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Qu\u00e8 diuen les resolucions judicials sobre les assegurances vinculades a hipoteques?<\/strong><\/h4>\n\n\n\n<p><strong>La jurisprud\u00e8ncia est\u00e0 declarant la nul\u00b7litat d&#8217;aquestes<\/strong> assegurances, que perjudiquen enormement el client.<\/p>\n\n\n\n<p>Cal tenir en compte que les assegurances de les entitats financeres estan molt per sobre del preu de mercat. Per aix\u00f2 el client ha contractat <strong>una asseguran\u00e7a molt m\u00e9s cara<\/strong>, ia m\u00e9s sobre la prima es generen interessos remunetaris. El perjudici \u00e9s evident.<\/p>\n\n\n\n<p>Les entitats banc\u00e0ries obliguen a subscriure aquests contractes amb una entitat del mateix grup amb l&#8217;excusa que si no concedeixen la hipoteca. O que si no ho signen no tindran la bonificaci\u00f3 corresponent. <strong>Doncs b\u00e9, aquestes cl\u00e0usules s\u00f3n abusives i en conseq\u00fc\u00e8ncia nul\u00b7les.<\/strong><\/p>\n\n\n\n<p>A m\u00e9s, \u00e9s una imposici\u00f3 <strong>d&#8217;uns serveis que el consumidor no ha sol\u00b7licitat<\/strong> en virtut de l&#8217;article 89.4 del TRLGDCU.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Qu\u00e8 puc recuperar si reclamo la nul\u00b7litat de l&#8217;asseguran\u00e7a de vida?<\/strong><\/h4>\n\n\n\n<p>La conseq\u00fc\u00e8ncia de la majoria de resolucions dels tribunals \u00e9s la condemna a l&#8217;entitat banc\u00e0ria a tornar <strong>la prima no consumida.<\/strong><\/p>\n\n\n\n<p>La conseq\u00fc\u00e8ncia de la majoria de resolucions dels tribunals \u00e9s la condemna a <strong>l&#8217;entitat banc\u00e0ria a tornar la prima no consumida.<\/strong><\/p>\n\n\n\n<p>A m\u00e9s, el banc ha de tornar al client els<strong> interessos remuneratoris<\/strong> cobrats, aix\u00ed com els<strong> interessos legals d<\/strong>es de la subscripci\u00f3 de l&#8217;asseguran\u00e7a.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>BBS Advocats, experts<\/strong> en Reclamaci\u00f3 d&#8217;Assegurances de prima \u00fanica.<\/h4>\n\n\n\n<p>Des de BBS Advocats, despatx especialista en mala praxi banc\u00e0ria amb m\u00e9s de 30 anys d&#8217;experi\u00e8ncia, ens encarreguem de <strong>reclamar la nul\u00b7litat de l&#8217;asseguran\u00e7a de vida de prima \u00fanica<\/strong>. No dubti a contactar amb nosaltres trucant al 93.760.53.77 o escrivint a <a href=\"mailto:bbsabogados@bbsabogados.com\">bbsabogados@bbsabogados.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Es pot reclamar la prima \u00fanica de les Assegurances de vida de vinculades a una hipoteca. Qu\u00e8 \u00e9s una asseguran\u00e7a de prima \u00fanica vinculada a una hipoteca? L&#8217;asseguran\u00e7a de vida de prima \u00fanica \u00e9s una asseguran\u00e7a que se signa en el moment de constituir-se la hipoteca. Es tracta d&#8217;una asseguran\u00e7a que les entitats banc\u00e0ries imposen [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":6508,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[270,269,341],"tags":[],"class_list":["post-6512","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assesorament-hipoteques","category-noticies-juridiques-novetats-legals-rellevants","category-noticies-juridiques"],"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 de l&#039;asseguran\u00e7a de vida de prima \u00fanica.<\/title>\n<meta name=\"description\" content=\"Nul\u00b7litat de l&#039;asseguran\u00e7a de vida de prima \u00fanica. 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