Anulación de claúsulas

El Supremo declara abusivas varias cláusulas de los contratos bancarios de BBVA y Banco Popular

La Sala Primera del Tribunal Supremo ha declarado nulas por «abusivas» varias cláusulas incluidas en contratos bancarios con consumidores del BBVA y del Banco Popular, al rechazar los recursos de infracción procesal y de casación interpuestos por las entidades.
En un comunicado, el Supremo ha concretado que la decisión afecta a determinadas cláusulas suelo, intereses moratorios, vencimiento anticipado, atribución de gastos de las operación al consumidor y contratación telefónica.
El procedimiento se inició por una acción colectiva interpuesta por la OCU, en la que la organización de consumidores solicitaba la nulidad de múltiples cláusulas de varios contratos bancarios del BBVA y del Popular.
La Sala declara nula por abusiva la cláusula de vencimiento anticipado en los préstamos hipotecarios del BBVA, que permitía a la entidad exigir anticipadamente la devolución de la totalidad del préstamo por la falta de pago de una parte de cualquiera de las cuotas.
El Alto Tribunal defiende que la validez general de las cláusulas de vencimiento anticipado no excluye la posibilidad de que sean consideradas abusivas, y por tanto, nulas, atendiendo a las circunstancias del caso. Además, considera que la cláusula predispuesta por el BBVA no supera los «estándares exigibles», puesto que no modula la gravedad del incumplimiento en función de la duración y cuantía del préstamo, no permite al consumidor evitar su aplicación mediante una conducta diligente de reparación y posibilita la resolución del préstamo por el incumplimiento de un solo plazo, incluso parcial.
La sentencia también declara nulas las cláusulas que imponen al consumidor todos los costes derivados de la concertación del contrato como consecuencia de la intervención notarial y registral y el pago de los tributos en los que el sujeto pasivo es el banco.
En materia de interés de demora, la sentencia mantiene la declaración de nulidad por abusivo del tipo fijado al 19% en el préstamo hipotecario del BBVA.
Por otro lado, la sentencia considera nula la cláusula suelo en el préstamo del Popular por no cumplir las exigencias de transparencia, en aplicación de la doctrina sobre estos casos. Precisamente, reafirma la nulidad de la cláusula suelo del contrato del BBVA ya declarada en otras sentencias anteriores.

221 Comentarios

  1. 7 febrero, 2017 at 15:38

    Pasada la rabieta inicial y analizado fríamente la decisión Bankia HA DECIDIDO Y ANUNCIADO PAGAR INMEDIATAMENTE.

    Tiene toda la lógica del mundo. Goirigolzarri actua
    pragmáticamente como un buen empresario
    y banquero. Tiene la experiencia que oponerse judicialmente es una batalla perdida
    de antemano y lo único que hará es engordar la factura con costas a pagar e intereses que siguen corriendo.Ya
    ha dado otras batallas absurdas como las preferentes o
    la salida a bolsa (por orden de «arriba») y lo único en limpio que ha sacado son más pérdidas y que encima pongan en duda su gestión. El no fue responsable de decisiones equivocadas pasadas y no
    va a cargar con el muerto de la deficiente legislación hipotecaria.

    Todo un torpedo en la línea de flotación del resto de la banca que ha adoptado una postura numantina.
    Y que sus accionistas le acabarán pasando factura cuando vean sus conseceuncias de los miles
    de millones en facturas de abogados y costas judiciales.

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    止むを得ないお出かけって急にやって来るので先立つものがないとあせりますよね。わたしも独り身の時には貯金がなくって、とりわけ給料前の時期なんかはしんどいですよ。でもみんないろいろ言いますがけっきょく消費者金融なんかのカードローンのサービスがあればそこそこなんとかなるんですよね。むかし結構業界が叩かれたので一時ほど感じも悪く無いですし、実際に公官庁の監視もキツイので親切だしクリーンそのもの。ありきたりですが計画性を持って使用すればいいんだと思います。あとはしっかり仕事して返済していけばいい話です。

  5. 18 junio, 2017 at 14:06

    民間の貸付業者の短時間ローンは、給料日前には、有効な金融取引方法です。ユーザーは、日に日に増えています。プロミスでは、初回利用者には、30日間の無利息借金の機会を受けることができます。まずは当日の借金でテストしてみるのがいいですね。急なお金が必要な時には、有効な資金調達法です。

  6. 24 julio, 2017 at 21:49

    自分にはカードローンを活用したキャッシング体験があるんです。そのためよく分かるのですが、確かに、キャッシングを使って容易に高額の買物を楽しむ人たちも増えてきているようですが、キャッシングには良いことばかりではないと言えます。

    カードローンの金利というのは、自分が借りた額より多くの額を支払っているのです。

    支払い期間が長期なほど、利息の額も大きくなる計算になります。

    カードローンを利用する時は始めに審査が必要になりますが、審査に合格するのは思いのほかたやすいようですし、審査スピードもすごく早いです。今日中に借りることも現在では可能なローン会社が多いのです。

    カードローンは利息が高めなので借入している場合、ますます一括返済した方がいいですね。

    こういった理由から、副収入などでお金ができたら一括返済することを算段してみましょう。
    ほんのちょっとの返金だとしても、一括返済が可能なら利息分の返済額が不要になります。

  7. キャッシングは利息が高額なので借りている場合、すすんでまとめて返済した方がいいですね。

    利用の際に注意しないと、凄い打撃になりかねません。

    キャッシングの金利というのは、融資を受けた人が借りた金額より多くの金額を渡しているのです。

    キャッシングを運用する際はスタート時に審査を受けることになりますが、審査に通るのは思いのほかたやすいようですし、審査結果が出るのもとても早いです。今日中に融資を受けることも最近では可能なローン会社が多いのです。

    ただし、当然のこととして、キャッシングで融資を受けたら毎月一定額を返済していくことになりますが、当然金利分も返済します。

    ですので、臨時収入などで余裕ができたら一括返済することを算段してみましょう。
    わずかの弁済だとしても、一度に返済が出来るのなら利息分の支払いが無用になります。

    私にはカードローンを活用したキャッシング体験があるんです。そのためよく分かるのですが、ご指摘の通り、キャッシングを用いて気軽に高額のショッピングを行う方も増えてきているようですが、キャッシングには利点ばかりではありません。

  8. キャッシングは金利が高めなので借入している場合、すすんで一括返済することをオススメします。

    キャッシングを使用する際は最初に審査が必要になりますが、審査に合格するのは比較的たやすいようですし、審査の早さもすごく早いです。今日中に借入することも今では可能な金融会社が多いのです。

    自分にはカードローンを利用してのキャッシング体験があるんです。そのためよく分かるのですが、ご指摘の通り、キャッシングを使って手軽に高価なショッピングを行う方も増加してきているようですが、キャッシングには良いことばかりではないと言えます。

    キャッシングの利息というのは、融資を受けた人が借りた金額より多くの金額を支払っているのです。

    返済する日数が延びれば延びるほど、金利の支払いも増えていく計算になります。

    本来の借り入れた額(元金)以上を支払うことになるのですから、一括返済をすればどれほど軽くなるのか想像がつきます。

    使用の際に注意を怠ると、大変な打撃になりかねません。

  9. 11 agosto, 2017 at 00:00

    お話しの通り、キャッシングを用いて気軽に多額の買物を行う方も増えてきているようですが、キャッシングには良いことばかりではないのです。
    使用の際に注意を怠ると、凄いダメージになりかねません。
    キャッシングを運用する時は最初に審査を受けることになりますが、審査に受かるのは割合たやすいようですし、審査結果が出るのもとても早いです。今日中に借りることも最近では可能な金融会社が多いのです。
    しかし、当たり前ですが、キャッシングで借金をしたら毎月決まった金額を支払っていくことになりますが、当たり前ですが利息分も返済します。
    最初に借りたお金(元金)以上を返済することになるのですから、一括返済をすればどれ位軽くなるのか想像がつきます。
    一括返済をしたら、返す金額がどれくらい少なくなるかを把握することができるでしょう。
    キャッシングは金利が高いので借入している場合、すすんで全額返済をしたほうがよいでしょう。

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