{"id":6550,"date":"2022-03-02T11:53:19","date_gmt":"2022-03-02T10:53:19","guid":{"rendered":"https:\/\/www.bbsabogados.com\/que-es-la-clausula-de-tancament-de-lirph\/"},"modified":"2022-03-02T11:56:14","modified_gmt":"2022-03-02T10:56:14","slug":"que-es-la-clausula-de-tancament-de-lirph","status":"publish","type":"post","link":"https:\/\/www.bbsabogados.com\/ca\/que-es-la-clausula-de-tancament-de-lirph\/","title":{"rendered":"Qu\u00e8 \u00e9s la Cl\u00e0usula de Tancament de l’IRPH?"},"content":{"rendered":"\n

La “Cl\u00e0usula de Tancament” de l’IRPH, tamb\u00e9 coneguda com a “IRPH Fix”, opera com una cl\u00e0usula s\u00f2l.<\/strong><\/h3>\n\n

Molts consumidors que van contractar una Hipoteca amb IRPH, han vist els \u00faltims anys que sempre se’ls cobra la mateixa quota. Molts afectats per l’IRPH no entenen perqu\u00e8 se’ls cobra sempre la mateixa quota si van subscriure una hipoteca a inter\u00e8s variable. Doncs b\u00e9, la ra\u00f3 \u00e9s que possiblement la seva hipoteca cont\u00e9 una cl\u00e0usula tancament de l’IRPH, tamb\u00e9 coneguda com a “IRPH fix” o “congelat”.<\/strong><\/p>\n\n

Per qu\u00e8 el banc em cobra sempre la mateixa quota si la hipoteca que vaig contractar era variable?<\/strong><\/h4>\n\n

Com ja els hem avan\u00e7at, potser \u00e9s perqu\u00e8 la seva hipoteca amb IRPH t\u00e9 una cl\u00e0usula de tancament de l’IRPH.<\/strong><\/p>\n\n

En qu\u00e8 consisteix la Cl\u00e0usula de Tancament de l’IRPH?<\/strong><\/h4>\n\n

Les cl\u00e0usules de tancament de les hipoteques s\u00f3n les que estableixen que, en cas que desaparegui l’\u00edndex a qu\u00e8 est\u00e0 referenciada la hipoteca<\/strong>, s’apliqui el darrer \u00edndex que es va publicar<\/strong>.<\/p>\n\n

Aix\u00f2 vol dir que s’aplicaria per a la resta del pr\u00e9stec el darrer tipus d’inter\u00e8s que es va poder calcular, cosa que comportaria convertir la hipoteca variable en una fixa.<\/strong><\/p>\n\n

Per qu\u00e8 se m’aplica la Cl\u00e0usula de Tancament?<\/strong><\/h4>\n\n

Perqu\u00e8 l’any 2013 va desapar\u00e8ixer l’\u00edndex IRPH<\/strong><\/a> a trav\u00e9s de la \u00a0Llei 14\/2013<\/a>.<\/strong> En particular, van desapar\u00e8ixer l’IRPH Caixes, IRPH Bancs i IRPH CECA.<\/p>\n\n

En conseq\u00fc\u00e8ncia, es va establir un nou \u00edndex de refer\u00e8ncia aplicable als pr\u00e9stecs referenciats als \u00edndexs que havien estat suprimits. Aquest nou \u00edndex \u00e9s el IRPH Entitats.<\/strong><\/p>\n\n

Per qu\u00e8 m’han aplicat l’IRPH fix en lloc de l’IRPH Entitats?<\/strong><\/h4>\n\n

Perqu\u00e8 l’escriptura cont\u00e9 la Cl\u00e0usula de Tancament<\/strong> que hem comentat anteriorment. \u00c9s a dir, si el banc no hagu\u00e9s imposat aquesta cl\u00e0usula, s’aplicaria l’IRPH Entitats, que \u00e9s menor.<\/p>\n\n

La Cl\u00e0usula de Tancament o IRPH fix \u00e9s legal?<\/strong><\/h4>\n\n

Molts jutges estan declarant la nul\u00b7litat<\/strong> d’aquesta cl\u00e0usula perqu\u00e8 considera que \u00e9s abusiva<\/strong>.<\/p>\n\n

Les resolucions judicials justifiquen aquesta nul\u00b7litat en qu\u00e8 la cl\u00e0usula de tancament s’assembla a una cl\u00e0usula s\u00f2l. En concret, entenen que en aplicar-se un IRPH fix, es frustren les expectatives de baixades dels tipus d’inter\u00e8s del consumidor, que havia contractat un pr\u00e9stec a inter\u00e8s variable, veient com, de manera sorprenent, un cr\u00e8dit contractat a inter\u00e8s variable es converteix de sobte en un cr\u00e8dit a inter\u00e8s fix<\/strong> durant tota la vida del pr\u00e9stec, sense haver-ne advertit ni con\u00e8ixer les implicacions econ\u00f2miques i jur\u00eddiques derivades de la cl\u00e0usula.<\/p>\n\n

En definitiva, la cl\u00e0usula de tancament de l’IRPH \u00e9s abusiva, ja que a la pr\u00e0ctica representa un l\u00edmit a la variaci\u00f3 del tipus d’inter\u00e8s (cl\u00e0usula s\u00f2l).<\/strong><\/p>\n\n

Si m’anul\u00b7len la Cl\u00e0usula de Tancament, quin \u00edndex se m’aplica?<\/h4>\n\n

Sobre aquest punt, la jurisprud\u00e8ncia \u00e9s m\u00e9s dispar. Hi ha jutges que substitueixen l’IRPH fix per l’Euribor<\/strong>, i d’altres per l’IRPH Entitats.<\/strong><\/p>\n\n

En tots dos casos, el banc hauria de tornar les quantitats<\/strong> abonades en exc\u00e9s respecte al nou \u00edndex que s’apliqui, m\u00e9s els interessos legals des del pagament de cada quota.<\/p>\n\n

BBS Advocats, despatx expert a IRPH.<\/h4>\n\n

Des de BBS Abogados,<\/a> oferim assessorament especialitzat per aconseguir eliminar la cl\u00e0usula de tancament de l’IRPH i recuperar-ne els diners. Podeu contactar amb nosaltres a trav\u00e9s del nostre\u00a0 formulari de contacte<\/a>, enviant un email a bbsabogados@bbsabogados.com<\/strong><\/a> o trucant al 93 760 53 77.<\/strong><\/p>\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

La “Cl\u00e0usula de Tancament” de l’IRPH, tamb\u00e9 coneguda com a “IRPH Fix”, opera com una cl\u00e0usula s\u00f2l. Molts consumidors que van contractar una Hipoteca amb IRPH, han vist els \u00faltims anys que sempre se’ls cobra la mateixa quota. Molts afectats per l’IRPH no entenen perqu\u00e8 se’ls cobra sempre la mateixa quota si van subscriure una […]<\/p>\n","protected":false},"author":3,"featured_media":6406,"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":[270,282],"tags":[],"class_list":["post-6550","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assesorament-hipoteques","category-irph-ca"],"acf":[],"yoast_head":"\nQu\u00e8 \u00e9s la Cl\u00e0usula de Tancament de l'IRPH?<\/title>\n<meta name=\"description\" content=\"Qu\u00e8 \u00e9s la cl\u00e0usula de tancament de l'IRPH? \u00c9s el IRPH fix. A la pr\u00e0ctica \u00e9s com una cl\u00e0usula s\u00f2l. 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