{"id":1351,"date":"2023-12-14T09:44:00","date_gmt":"2023-12-14T08:44:00","guid":{"rendered":"https:\/\/agorasistemes.es\/2021\/03\/16\/clausula-terra-i-despeses-dhipoteca\/"},"modified":"2024-01-29T11:48:01","modified_gmt":"2024-01-29T10:48:01","slug":"clausula-terra-i-despeses-dhipoteca","status":"publish","type":"post","link":"https:\/\/agorasistemes.es\/ca\/clausula-terra-i-despeses-dhipoteca\/","title":{"rendered":"Cl\u00e0usula terra i despeses d’hipoteca"},"content":{"rendered":"

[et_pb_section fb_built=”1″ fullwidth=”on” admin_label=”Hero Section” _builder_version=”4.16″ global_colors_info=”{}”][et_pb_fullwidth_header title=”Pr\u00e9stecs hipotecaris ” subhead=”La il\u00b7legalitat de les cl\u00e0usules s\u00f2l” text_orientation=”right” background_overlay_color=”rgba(0,0,0,0.4)” content_max_width=”550px” _builder_version=”4.20.4″ title_font=”Poppins|700||on|||||” title_text_color=”#FAA723″ title_font_size=”14px” title_letter_spacing=”2px” title_line_height=”1.8em” subhead_font=”Playfair Display|700||on|||||” subhead_font_size=”48px” subhead_line_height=”1.4em” background_color=”rgba(255, 255, 255, 0)” background_image=”https:\/\/agorasistemes.es\/wp-content\/uploads\/2023\/04\/llave-1080×675-1.jpg” parallax=”on” parallax_method=”on” custom_button_one=”on” button_one_border_width=”1px” button_one_border_color=”rgba(255,255,255,0.3)” button_one_border_radius=”0px” button_one_letter_spacing=”1px” button_one_font=”Saira Extra Condensed|600||on|||||” button_one_icon=”$||divi||400″ button_one_icon_color=”#edbb5f” custom_button_two=”on” button_two_border_width=”1px” button_two_border_color=”rgba(255,255,255,0.3)” button_two_border_radius=”0px” button_two_letter_spacing=”1px” button_two_font=”Saira Extra Condensed|600||on|||||” button_two_icon=”$||divi||400″ button_two_icon_color=”#edbb5f” module_alignment=”right” custom_margin=”|||” custom_padding=”8%||230px|||” hover_enabled=”0″ button_one_text_color_hover=”#edbb5f” button_two_text_color_hover=”#edbb5f” button_one_bg_color_hover=”rgba(0,0,0,0)” button_two_bg_color_hover=”rgba(0,0,0,0)” global_colors_info=”{}” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_one_text_color__hover_enabled=”on” button_one_text_color__hover=”#edbb5f” button_two_text_color__hover_enabled=”on” button_two_text_color__hover=”#edbb5f” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_one_bg_color__hover_enabled=”on” button_one_bg_color__hover=”rgba(0,0,0,0)” button_two_bg_color__hover_enabled=”on” button_two_bg_color__hover=”rgba(0,0,0,0)” sticky_enabled=”0″ title_text=”llave-1080×675″][\/et_pb_fullwidth_header][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Free Consultation” _builder_version=”4.16″ custom_padding=”0px|0px|0px|0px||” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_cta title=”Gestoria i Assessoria en Intermediaci\u00f3 Financera” button_url=”https:\/\/agorasistemes.es\/ca\/gestoria-i-assessoria-dempreses-area-dassessorament-i-intermediacio-financera\/” button_text=”Accedir” _builder_version=”4.20.2″ header_font=”Poppins|700||on|||||” header_text_color=”#FAA723″ header_font_size=”14px” header_letter_spacing=”2px” header_line_height=”2em” body_font=”Playfair Display|700||on|||||” body_text_color=”#4E4F51″ body_font_size=”28px” body_line_height=”1.4em” background_color=”#ffffff” custom_button=”on” button_text_color=”#ffffff” button_bg_color=”#83161C” button_border_width=”0px” button_border_radius=”0px” button_letter_spacing=”1px” button_font=”Saira Extra Condensed|600||on|||||” button_use_icon=”off” custom_margin=”-200px|||” custom_padding=”10%||10%|” animation_style=”flip” animation_direction=”left” animation_starting_opacity=”100%” box_shadow_style=”preset3″ box_shadow_vertical=”15px” box_shadow_blur=”80px” box_shadow_color=”rgba(0,0,0,0.2)” button_border_radius_hover=”1px” locked=”off” global_colors_info=”{}” button_text_size__hover_enabled=”off” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_text_color__hover_enabled=”off” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_border_width__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_border_color__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”on” button_border_radius__hover=”1px” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_bg_color__hover_enabled=”off” button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off”]Negociem condicions en finan\u00e7ament[\/et_pb_cta][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Introduction” _builder_version=”4.16″ custom_margin=”|||” custom_padding=”44px|0px|44px|0px|true|” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ use_custom_gutter=”on” gutter_width=”4″ _builder_version=”4.16″ animation_style=”fade” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.20.4″ text_font=”||||||||” header_font=”||||||||” header_2_font=”Playfair Display|700|||||||” header_2_font_size=”38px” header_2_letter_spacing=”1px” header_2_line_height=”1.4em” header_3_font=”Poppins|700||on|||||” header_3_text_color=”#FAA723″ header_3_font_size=”14px” header_3_letter_spacing=”1px” header_3_line_height=”2em” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n

Despeses de la hipoteca<\/h3>\n

Tipus d’inter\u00e8s abusius<\/h2>\n

[\/et_pb_text][et_pb_divider color=”#FAA723″ divider_weight=”2px” _builder_version=”4.20.2″ max_width=”60px” module_alignment=”left” height=”2px” global_colors_info=”{}”][\/et_pb_divider][et_pb_text _builder_version=”4.20.4″ text_font=”Poppins||||||||” text_font_size=”16px” text_letter_spacing=”1px” text_line_height=”2em” max_width=”550px” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]La Sent\u00e8ncia del Tribunal de Just\u00edcia de la Uni\u00f3 Europea (TJUE) de 21-12-2016 suposa el reconeixement d’un perjudici cap als consumidors per l’establiment d’unes cl\u00e0usules considerades no legals per privar el receptor dels pr\u00e9stecs hipotecaris de beneficiar-se de la exist\u00e8ncia de tipus d’inter\u00e8s baixos o inferiors als estipulats a les cl\u00e0usules.<\/p>\n

Concretament parlem de la cl\u00e0usula terra. Amb l’aplicaci\u00f3 de la nova normativa europea els bancs estan obligats a tornar els imports pagats de m\u00e9s a causa de l’aplicaci\u00f3 de la cl\u00e0usula terra.[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_image src=”https:\/\/agorasistemes.es\/wp-content\/uploads\/2023\/04\/hipoteca-casa-llaves.jpg” title_text=”hipoteca-casa-llaves” align_tablet=”center” align_phone=”center” align_last_edited=”on|desktop” _builder_version=”4.20.4″ animation_style=”fade” box_shadow_style=”preset4″ box_shadow_horizontal=”-80px” box_shadow_vertical=”50px” box_shadow_color=”rgba(12,12,12,0.03)” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Problem and Solution” _builder_version=”4.16″ background_color=”#282828″ custom_padding=”61px|0px|60px|0px||” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.16″ custom_margin=”2%|||” custom_padding=”|||” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.20.4″ text_font=”Poppins||||||||” text_font_size=”16px” text_letter_spacing=”1px” text_line_height=”2em” header_font=”||||||||” header_2_font=”||||||||” header_3_font=”|700||on|||||” header_3_text_color=”#FAA723″ header_3_font_size=”28px” header_3_letter_spacing=”1px” header_3_line_height=”1.4em” background_layout=”dark” max_width=”550px” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]Concretament parlem de la cl\u00e0usula terra. Amb l’aplicaci\u00f3 de la nova normativa europea els bancs estan obligats a tornar els imports pagats de m\u00e9s a causa de l’aplicaci\u00f3 de la cl\u00e0usula terra.[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.20.4″ text_font=”Poppins||||||||” text_font_size=”16px” text_letter_spacing=”1px” text_line_height=”2em” header_font=”||||||||” header_2_font=”||||||||” header_3_font=”|700||on|||||” header_3_text_color=”#FAA723″ header_3_font_size=”28px” header_3_letter_spacing=”1px” header_3_line_height=”1.4em” background_layout=”dark” max_width=”550px” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]A m\u00e9s aquesta normativa estableix que les despeses pagades per la formalitzaci\u00f3 de les hipoteques han de ser a c\u00e0rrec del banc, per aquest motiu es pot sol\u00b7licitar la devoluci\u00f3 de les despeses corresponents a la constituci\u00f3 de les hipoteques, juntament amb la cl\u00e0usula s\u00f2l si \u00e9s que n’hi hagu\u00e9s .[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Quote” _builder_version=”4.16″ background_position=”top_right” custom_margin=”|||” custom_padding=”40px|0px|26px|0px||” global_colors_info=”{}”][et_pb_row _builder_version=”4.20.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.20.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.20.4″ text_font=”Poppins||||||||” text_font_size=”16px” text_letter_spacing=”1px” text_line_height=”2em” header_3_font=”Poppins|700|||||||” header_3_text_color=”#83161C” header_3_font_size=”20px” max_width=”1048px” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n

Deixant de banda els aspectes m\u00e9s t\u00e8cnics, us expliquem senzillament en qu\u00e8 consisteix la cl\u00e0usula s\u00f2l. La cl\u00e0usula s\u00f2l \u00e9s un tipus dinter\u00e8s establert en els pr\u00e9stecs hipotecaris que es basava a fixar un tipus dinter\u00e8s m\u00ednim en la devoluci\u00f3 del pr\u00e9stec. Fixar un inter\u00e8s m\u00ednim ha suposat un benefici per als bancs, ja que encara que aquest hagi estat negatiu (com ha estat el cas) el banc es garantia continuar cobrant els interessos pactats en el pr\u00e9stec. El tribunal de just\u00edcia de la uni\u00f3 europea ha dictaminat que establir aquesta cl\u00e0usula era il\u00b7legal, i l’ha catalogat com a abusiva, i en conseq\u00fc\u00e8ncia reconeix el dret dels consumidors a reclamar all\u00f2 pagat de m\u00e9s durant tots aquests anys.<\/p>\n

A \u00c0GORA Sistemes<\/strong> comptem amb un equip de professionals que estudiessin el seu cas, analitzaran la seva escriptura de forma gratu\u00efta i emprendran les accions necess\u00e0ries per reclamar als bancs i que es dugui a terme el cobrament de les quantitats que els corresponen als consumidors pel pagat de m\u00e9s.<\/p>\n

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Estem en contacte<\/h2>\n

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De dilluns a divendres de 8am a 17pm.<\/p>\n

[\/et_pb_blurb][et_pb_social_media_follow _builder_version=”4.20.2″ text_orientation=”center” locked=”off” global_colors_info=”{}”][et_pb_social_media_follow_network social_network=”facebook” url=”https:\/\/www.facebook.com\/agoraasistemes” _builder_version=”4.20.2″ background_color=”#2f2f2f” custom_margin=”|||” custom_padding=”8px|8px|8px|8px” border_radii=”on||||” global_colors_info=”{}” follow_button=”off” url_new_window=”on”]facebook[\/et_pb_social_media_follow_network][et_pb_social_media_follow_network social_network=”linkedin” _builder_version=”4.16″ background_color=”#2f2f2f” custom_margin=”|||” custom_padding=”8px|8px|8px|8px” border_radii=”on||||” global_colors_info=”{}” follow_button=”off” url_new_window=”on”]linkedin[\/et_pb_social_media_follow_network][et_pb_social_media_follow_network social_network=”youtube” _builder_version=”4.16″ background_color=”#2f2f2f” custom_margin=”|||” custom_padding=”8px|8px|8px|8px” border_radii=”on||||” global_colors_info=”{}” follow_button=”off” url_new_window=”on”]youtube[\/et_pb_social_media_follow_network][\/et_pb_social_media_follow][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"

La Sent\u00e8ncia del Tribunal de Just\u00edcia de la Uni\u00f3 Europea (TJUE) de 21-12-2016 suposa el reconeixement d’un perjudici cap als consumidors per l’establiment d’unes cl\u00e0usules considerades no legals per privar el receptor dels pr\u00e9stecs hipotecaris de beneficiar-se de la exist\u00e8ncia de tipus d’inter\u00e8s baixos o inferiors als estipulats a les cl\u00e0usules.<\/p>\n","protected":false},"author":2,"featured_media":1139,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[77],"tags":[104,103],"class_list":["post-1351","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-gestoria-i-assessoria-intemediacio-financera","tag-clausula-terra","tag-registre-hipoteca"],"_links":{"self":[{"href":"https:\/\/agorasistemes.es\/ca\/wp-json\/wp\/v2\/posts\/1351","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/agorasistemes.es\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/agorasistemes.es\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/agorasistemes.es\/ca\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/agorasistemes.es\/ca\/wp-json\/wp\/v2\/comments?post=1351"}],"version-history":[{"count":2,"href":"https:\/\/agorasistemes.es\/ca\/wp-json\/wp\/v2\/posts\/1351\/revisions"}],"predecessor-version":[{"id":1353,"href":"https:\/\/agorasistemes.es\/ca\/wp-json\/wp\/v2\/posts\/1351\/revisions\/1353"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/agorasistemes.es\/ca\/wp-json\/wp\/v2\/media\/1139"}],"wp:attachment":[{"href":"https:\/\/agorasistemes.es\/ca\/wp-json\/wp\/v2\/media?parent=1351"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/agorasistemes.es\/ca\/wp-json\/wp\/v2\/categories?post=1351"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/agorasistemes.es\/ca\/wp-json\/wp\/v2\/tags?post=1351"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}