{"id":2818,"date":"2021-09-30T16:19:13","date_gmt":"2021-09-30T16:19:13","guid":{"rendered":"https:\/\/hosting161456eu-280101.webempresa.site\/?p=2818"},"modified":"2021-10-05T08:11:59","modified_gmt":"2021-10-05T08:11:59","slug":"comision-de-apertura-aun-hay-esperanza-2","status":"publish","type":"post","link":"https:\/\/portilloestudiolegal.com\/?p=2818","title":{"rendered":"Comisi\u00f3n de apertura: A\u00fan hay esperanza"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Pese a que el Tribunal Supremo se hab\u00eda pronunciado en su Sentencia 44\/2019 de la Sala de lo Civil (Pleno) acerca de que la comisi\u00f3n de apertura formaba parte del precio del contrato hipotecario junto con el inter\u00e9s remuneratorio, el d\u00eda 16 de septiembre de 2021 ha elevado una nueva cuesti\u00f3n prejudicial al Tribunal de Justicia de la Uni\u00f3n Europea (TJUE).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">El Alto Tribunal Espa\u00f1ol aduce que la cuesti\u00f3n inicialmente planteada al Tribunal Europeo (y que dio lugar a la Sentencia del TJUE de 16 de julio de 2020) tuvo una formulaci\u00f3n inexacta, incompleta y distorsionada.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La realidad es que la mayor\u00eda de asociaciones de consumidores y usuarios ven la reformulaci\u00f3n de la cuesti\u00f3n prejudicial como un acto dirigido a la protecci\u00f3n de las entidades financieras, toda vez que la resoluci\u00f3n inicial del Tribunal de Justicia de la Uni\u00f3n Europea abr\u00eda la puerta a las reclamaciones de nulidad de la cl\u00e1usula que impone a los hipotecados la comisi\u00f3n de apertura al estimar que dicha comisi\u00f3n no puede ser considerada un elemento esencial del contrato.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La pr\u00e1ctica totalidad de los pr\u00e9stamos hipotecarios concedidos en Espa\u00f1a cuenta con dicha comisi\u00f3n de apertura. Considerando el capital medio de un pr\u00e9stamo para vivienda (150.000 \u20ac) y el importe habitual de dicha comisi\u00f3n (1%), de estimarse la nulidad de la cl\u00e1usula, un consumidor podr\u00eda recuperar la cifra de 1.500 \u20ac. Dicha cifra podr\u00eda verse incrementada en el inter\u00e9s legal del dinero desde la fecha en que fue abonada.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tan solo nos queda esperar unos meses para conocer el nuevo pronunciamiento del TJUE y valorar si, pese a los matices incorporados por el Tribunal Supremo en el planteamiento de la nueva cuesti\u00f3n prejudicial, ratifica su postura anterior abriendo la puerta a una nueva oleada de reclamaciones judiciales frente a los bancos.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Desde Portillo Estudio Legal estudiaremos su escritura de hipoteca sin ning\u00fan compromiso con car\u00e1cter previo con la finalidad de valorar la viabilidad de las acciones judiciales a ejercitar.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pese a que el Tribunal Supremo se hab\u00eda pronunciado en su Sentencia 44\/2019 de la Sala de lo Civil (Pleno) acerca de que la comisi\u00f3n de apertura formaba parte del&#8230;<\/p>\n","protected":false},"author":1,"featured_media":2762,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[51],"tags":[48,50,49],"class_list":["post-2818","post","type-post","status-publish","format-standard","has-post-thumbnail","category-hipotecas","tag-comision-de-apertura","tag-comision-de-apertura-hipotecaria","tag-no-pagar-comision-de-apertura"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - 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