{"id":1446,"date":"2026-06-15T09:41:49","date_gmt":"2026-06-15T07:41:49","guid":{"rendered":"https:\/\/montsedamianabogada.com\/dret-bancari\/"},"modified":"2026-06-18T10:06:02","modified_gmt":"2026-06-18T08:06:02","slug":"dret-bancari","status":"publish","type":"page","link":"https:\/\/montsedamianabogada.com\/ca\/dret-bancari\/","title":{"rendered":"Dret bancari"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1446\" class=\"elementor elementor-1446 elementor-1043\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5fef3aa e-con-full e-flex e-con e-parent\" data-id=\"5fef3aa\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6dbc58c elementor-widget elementor-widget-heading\" data-id=\"6dbc58c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Reclamaci\u00f3 de cl\u00e0usules s\u00f2l<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1cec83a elementor-widget elementor-widget-text-editor\" data-id=\"1cec83a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"secondaryTitle\">Advocada a Reus, cl\u00e0usules s\u00f2l o abusives, aplicaci\u00f3 de l\u2019IRPH, etc.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5a9c904 e-flex e-con-boxed e-con e-parent\" data-id=\"5a9c904\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-ea40d48 e-con-full e-flex e-con e-child\" data-id=\"ea40d48\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2d3f194 elementor-widget elementor-widget-image\" data-id=\"2d3f194\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"350\" height=\"456\" src=\"https:\/\/montsedamianabogada.com\/wp-content\/uploads\/2026\/06\/abogado-reus-clausulas-suelo.jpg\" class=\"attachment-full size-full wp-image-1447\" alt=\"\" srcset=\"https:\/\/montsedamianabogada.com\/wp-content\/uploads\/2026\/06\/abogado-reus-clausulas-suelo.jpg 350w, https:\/\/montsedamianabogada.com\/wp-content\/uploads\/2026\/06\/abogado-reus-clausulas-suelo-230x300.jpg 230w\" sizes=\"(max-width: 350px) 100vw, 350px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6e4f659 e-con-full e-flex e-con e-child\" data-id=\"6e4f659\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5e20789 elementor-widget elementor-widget-text-editor\" data-id=\"5e20789\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A <strong>Montse Dami\u00e1n<\/strong> estem especialitzats en la representaci\u00f3 com a <strong>advocats a Reus per a cl\u00e0usules s\u00f2l<\/strong> o abusives. Per desgr\u00e0cia, actualment a tots ens sonen aquests termes relacionats amb les cl\u00e0usules s\u00f2l o abusives, que probablement estan incloses en les escriptures d\u2019hipoteca i altres contractes bancaris que en el seu dia vam poder signar sense tenir un coneixement absolut del seu abast. <\/p><p>Saber si podem reclamar la nul\u00b7litat d\u2019aquestes cl\u00e0usules o fins i tot de tot el contracte, interessant la devoluci\u00f3 del que s\u2019ha abonat fins a la data per l\u2019aplicaci\u00f3 indeguda d\u2019aquelles, s\u00f3n q\u00fcestions que ens podeu consultar.<\/p><p>Davant de l\u2019hegemonia dels bancs i altres operadors econ\u00f2mics que en moltes ocasions han abusat de la seva posici\u00f3 de supremacia, s\u2019ha d\u2019al\u00e7ar sense por el consumidor i usuari, \u00e9s a dir, vost\u00e8, per reclamar tots els danys i perjudicis que li hagin causat. Per estudiar si aquestes reclamacions s\u00f3n m\u00ednimament viables, esdev\u00e9 indispensable examinar de manera detallada tota la documentaci\u00f3 i les circumst\u00e0ncies, encara m\u00e9s davant la dificultat d\u2019interpretar-les, fet pel qual esdev\u00e9 imprescindible consultar-nos. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5b30ddb e-flex e-con-boxed e-con e-parent\" data-id=\"5b30ddb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<h3 data-interaction-id=\"7b3149b\" class=\"e-7b3149b-69e89ad e-heading-base\" data-e-type=\"widget\" data-id=\"7b3149b\">Dret sanitari o m\u00e8dic<\/h3>\n\t\t\t\t\t\n<hr class=\"e-c51f5eb-58db18d e-divider-base\" data-interaction-id=\"c51f5eb\"  data-e-type=\"widget\" data-id=\"c51f5eb\" \/>\n\t\t<div class=\"elementor-element elementor-element-776479a e-con-full e-flex e-con e-child\" data-id=\"776479a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-14c5e65 e-flex e-con-boxed e-con e-child\" data-id=\"14c5e65\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ef8bb64 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"ef8bb64\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-check-square\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 32H48C21.49 32 0 53.49 0 80v352c0 26.51 21.49 48 48 48h352c26.51 0 48-21.49 48-48V80c0-26.51-21.49-48-48-48zm0 400H48V80h352v352zm-35.864-241.724L191.547 361.48c-4.705 4.667-12.303 4.637-16.97-.068l-90.781-91.516c-4.667-4.705-4.637-12.303.069-16.971l22.719-22.536c4.705-4.667 12.303-4.637 16.97.069l59.792 60.277 141.352-140.216c4.705-4.667 12.303-4.637 16.97.068l22.536 22.718c4.667 4.706 4.637 12.304-.068 16.971z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Paralitzaci\u00f3 de subhastes i execucions hipotec\u00e0ries.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-check-square\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 32H48C21.49 32 0 53.49 0 80v352c0 26.51 21.49 48 48 48h352c26.51 0 48-21.49 48-48V80c0-26.51-21.49-48-48-48zm0 400H48V80h352v352zm-35.864-241.724L191.547 361.48c-4.705 4.667-12.303 4.637-16.97-.068l-90.781-91.516c-4.667-4.705-4.637-12.303.069-16.971l22.719-22.536c4.705-4.667 12.303-4.637 16.97.069l59.792 60.277 141.352-140.216c4.705-4.667 12.303-4.637 16.97.068l22.536 22.718c4.667 4.706 4.637 12.304-.068 16.971z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"> Participacions preferents, obligacions subordinades i swaps.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-check-square\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 32H48C21.49 32 0 53.49 0 80v352c0 26.51 21.49 48 48 48h352c26.51 0 48-21.49 48-48V80c0-26.51-21.49-48-48-48zm0 400H48V80h352v352zm-35.864-241.724L191.547 361.48c-4.705 4.667-12.303 4.637-16.97-.068l-90.781-91.516c-4.667-4.705-4.637-12.303.069-16.971l22.719-22.536c4.705-4.667 12.303-4.637 16.97.069l59.792 60.277 141.352-140.216c4.705-4.667 12.303-4.637 16.97.068l22.536 22.718c4.667 4.706 4.637 12.304-.068 16.971z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"> Nul\u00b7litat de cl\u00e0usules hipotec\u00e0ries: s\u00f2l, inter\u00e8s moratori abusiu\u2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-check-square\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 32H48C21.49 32 0 53.49 0 80v352c0 26.51 21.49 48 48 48h352c26.51 0 48-21.49 48-48V80c0-26.51-21.49-48-48-48zm0 400H48V80h352v352zm-35.864-241.724L191.547 361.48c-4.705 4.667-12.303 4.637-16.97-.068l-90.781-91.516c-4.667-4.705-4.637-12.303.069-16.971l22.719-22.536c4.705-4.667 12.303-4.637 16.97.069l59.792 60.277 141.352-140.216c4.705-4.667 12.303-4.637 16.97.068l22.536 22.718c4.667 4.706 4.637 12.304-.068 16.971z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Comissions banc\u00e0ries abusives.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-aaa312d e-flex e-con-boxed e-con e-child\" data-id=\"aaa312d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ee245ca elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"ee245ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-check-square\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 32H48C21.49 32 0 53.49 0 80v352c0 26.51 21.49 48 48 48h352c26.51 0 48-21.49 48-48V80c0-26.51-21.49-48-48-48zm0 400H48V80h352v352zm-35.864-241.724L191.547 361.48c-4.705 4.667-12.303 4.637-16.97-.068l-90.781-91.516c-4.667-4.705-4.637-12.303.069-16.971l22.719-22.536c4.705-4.667 12.303-4.637 16.97.069l59.792 60.277 141.352-140.216c4.705-4.667 12.303-4.637 16.97.068l22.536 22.718c4.667 4.706 4.637 12.304-.068 16.971z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Accions de Bankia.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-check-square\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 32H48C21.49 32 0 53.49 0 80v352c0 26.51 21.49 48 48 48h352c26.51 0 48-21.49 48-48V80c0-26.51-21.49-48-48-48zm0 400H48V80h352v352zm-35.864-241.724L191.547 361.48c-4.705 4.667-12.303 4.637-16.97-.068l-90.781-91.516c-4.667-4.705-4.637-12.303.069-16.971l22.719-22.536c4.705-4.667 12.303-4.637 16.97.069l59.792 60.277 141.352-140.216c4.705-4.667 12.303-4.637 16.97.068l22.536 22.718c4.667 4.706 4.637 12.304-.068 16.971z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"> Nul\u00b7litat d\u2019hipoteques per taxacions incorrectes.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-check-square\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 32H48C21.49 32 0 53.49 0 80v352c0 26.51 21.49 48 48 48h352c26.51 0 48-21.49 48-48V80c0-26.51-21.49-48-48-48zm0 400H48V80h352v352zm-35.864-241.724L191.547 361.48c-4.705 4.667-12.303 4.637-16.97-.068l-90.781-91.516c-4.667-4.705-4.637-12.303.069-16.971l22.719-22.536c4.705-4.667 12.303-4.637 16.97.069l59.792 60.277 141.352-140.216c4.705-4.667 12.303-4.637 16.97.068l22.536 22.718c4.667 4.706 4.637 12.304-.068 16.971z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"> Titulitzacions d\u2019hipoteques.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-check-square\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 32H48C21.49 32 0 53.49 0 80v352c0 26.51 21.49 48 48 48h352c26.51 0 48-21.49 48-48V80c0-26.51-21.49-48-48-48zm0 400H48V80h352v352zm-35.864-241.724L191.547 361.48c-4.705 4.667-12.303 4.637-16.97-.068l-90.781-91.516c-4.667-4.705-4.637-12.303.069-16.971l22.719-22.536c4.705-4.667 12.303-4.637 16.97.069l59.792 60.277 141.352-140.216c4.705-4.667 12.303-4.637 16.97.068l22.536 22.718c4.667 4.706 4.637 12.304-.068 16.971z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Assessorament i reclamaci\u00f3 per mala praxi banc\u00e0ria.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-79c74b4 e-flex e-con-boxed e-con e-parent\" data-id=\"79c74b4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<h3 data-interaction-id=\"b7c239d\" class=\"e-b7c239d-c92ad32 e-heading-base\" data-e-type=\"widget\" data-id=\"b7c239d\">Dret immobiliari<\/h3>\n\t\t\t\t\t\n<hr class=\"e-92b9467-d145540 e-divider-base\" data-interaction-id=\"92b9467\"  data-e-type=\"widget\" data-id=\"92b9467\" \/>\n\t\t<div class=\"elementor-element elementor-element-3308f8d e-flex e-con-boxed e-con e-child\" data-id=\"3308f8d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-168321f e-flex e-con-boxed e-con e-child\" data-id=\"168321f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-866ec12 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"866ec12\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-check-square\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 32H48C21.49 32 0 53.49 0 80v352c0 26.51 21.49 48 48 48h352c26.51 0 48-21.49 48-48V80c0-26.51-21.49-48-48-48zm0 400H48V80h352v352zm-35.864-241.724L191.547 361.48c-4.705 4.667-12.303 4.637-16.97-.068l-90.781-91.516c-4.667-4.705-4.637-12.303.069-16.971l22.719-22.536c4.705-4.667 12.303-4.637 16.97.069l59.792 60.277 141.352-140.216c4.705-4.667 12.303-4.637 16.97.068l22.536 22.718c4.667 4.706 4.637 12.304-.068 16.971z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Contractes d\u2019arrendament d\u2019immobles.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-check-square\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 32H48C21.49 32 0 53.49 0 80v352c0 26.51 21.49 48 48 48h352c26.51 0 48-21.49 48-48V80c0-26.51-21.49-48-48-48zm0 400H48V80h352v352zm-35.864-241.724L191.547 361.48c-4.705 4.667-12.303 4.637-16.97-.068l-90.781-91.516c-4.667-4.705-4.637-12.303.069-16.971l22.719-22.536c4.705-4.667 12.303-4.637 16.97.069l59.792 60.277 141.352-140.216c4.705-4.667 12.303-4.637 16.97.068l22.536 22.718c4.667 4.706 4.637 12.304-.068 16.971z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"> Contractes d\u2019arres i compravenda d\u2019immobles.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-74bc7c6 e-flex e-con-boxed e-con e-child\" data-id=\"74bc7c6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b4ef5bd elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"b4ef5bd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-check-square\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 32H48C21.49 32 0 53.49 0 80v352c0 26.51 21.49 48 48 48h352c26.51 0 48-21.49 48-48V80c0-26.51-21.49-48-48-48zm0 400H48V80h352v352zm-35.864-241.724L191.547 361.48c-4.705 4.667-12.303 4.637-16.97-.068l-90.781-91.516c-4.667-4.705-4.637-12.303.069-16.971l22.719-22.536c4.705-4.667 12.303-4.637 16.97.069l59.792 60.277 141.352-140.216c4.705-4.667 12.303-4.637 16.97.068l22.536 22.718c4.667 4.706 4.637 12.304-.068 16.971z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"> Desnonaments.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-check-square\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 32H48C21.49 32 0 53.49 0 80v352c0 26.51 21.49 48 48 48h352c26.51 0 48-21.49 48-48V80c0-26.51-21.49-48-48-48zm0 400H48V80h352v352zm-35.864-241.724L191.547 361.48c-4.705 4.667-12.303 4.637-16.97-.068l-90.781-91.516c-4.667-4.705-4.637-12.303.069-16.971l22.719-22.536c4.705-4.667 12.303-4.637 16.97.069l59.792 60.277 141.352-140.216c4.705-4.667 12.303-4.637 16.97.068l22.536 22.718c4.667 4.706 4.637 12.304-.068 16.971z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"> Dret de retracte i adquisici\u00f3 preferent.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-241e948 e-flex e-con-boxed e-con e-parent\" data-id=\"241e948\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<h3 data-interaction-id=\"b683bf6\" class=\"e-b683bf6-a340742 e-heading-base\" data-e-type=\"widget\" data-id=\"b683bf6\">Preguntes freq\u00fcents<\/h3>\n\t\t\t\t<div class=\"elementor-element elementor-element-6c51482 elementor-widget elementor-widget-n-accordion\" data-id=\"6c51482\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1130\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-1130\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Crec que m\u2019han titulitzat la hipoteca, com ho puc saber? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1130\" class=\"elementor-element elementor-element-08c5639 e-con-full e-flex e-con e-child\" data-id=\"08c5639\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6e7df52 elementor-widget elementor-widget-text-editor\" data-id=\"6e7df52\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Des de fa temps, la titulitzaci\u00f3 \u00e9s la manera que estan utilitzant les entitats de cr\u00e8dit per vendre i cedir als anomenats \u201cfons voltor\u201d, formats per centenars de cr\u00e8dits hipotecaris, entre els quals podria trobar-se el seu.<\/p><p>Quan es titulitza, s\u2019est\u00e0 transmetent a un tercer la titularitat del dret de cr\u00e8dit i, per tant, el banc deixa de ser-ne el titular. En la majoria d\u2019ocasions, aquesta cessi\u00f3 ni tan sols s\u2019informa al client ni \u00e9s autoritzada. Despr\u00e9s de les cessions, el deutor hipotecari hauria de respondre nom\u00e9s davant d\u2019aquest nou titular i qui resulta no ser el banc qui reclama.  <\/p><p>El cam\u00ed per saber si la seva hipoteca est\u00e0 titulitzada \u00e9s dif\u00edcil. D\u2019una banda, la Comissi\u00f3 del Mercat de Valors va comunicar la necessitat que l\u2019interessat (i titular del cr\u00e8dit hipotecari) s\u2019adreci a la seva entitat banc\u00e0ria i sol\u00b7liciti aquesta informaci\u00f3, si b\u00e9 ens trobem que moltes entitats la neguen o en dificulten l\u2019obtenci\u00f3. D\u2019aqu\u00ed la necessitat d\u2019acudir a un professional del dret per obtenir-la.  <\/p><p>Considerem que, tot i que la seva hipoteca contingui una cl\u00e0usula per la qual hagi renunciat a ser informat respecte de futures cessions del seu dret de cr\u00e8dit, aquesta cl\u00e0usula \u00e9s del tot abusiva, aix\u00ed com les conseq\u00fc\u00e8ncies del negoci de la titulitzaci\u00f3, entre les quals hi hauria la manca de legitimaci\u00f3 dels bancs per reclamar el compliment del cr\u00e8dit.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1131\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1131\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> La meva hipoteca no t\u00e9 Eur\u00edbor sin\u00f3 IRPH, \u00e9s legal? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1131\" class=\"elementor-element elementor-element-87ffa7e e-con-full e-flex e-con e-child\" data-id=\"87ffa7e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8f4197c elementor-widget elementor-widget-text-editor\" data-id=\"8f4197c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>L\u2019IRPH s\u00f3n \u00edndexs de refer\u00e8ncia aplicats als cr\u00e8dits hipotecaris, de la mateixa manera que ho s\u00f3n l\u2019Eur\u00edbor o el MIBOR. A trav\u00e9s de l\u2019IRPH, les entitats banc\u00e0ries actualitzen els tipus d\u2019inter\u00e8s de les hipoteques a tipus variable, i aquests han de ser publicats mensualment pel Banc d\u2019Espanya. <\/p><p>La principal cr\u00edtica a aquests \u00edndexs \u00e9s que s\u2019ha advertit que no hi ha transpar\u00e8ncia en el seu c\u00e0lcul, i que podrien ser manipulats per les pr\u00f2pies entitats banc\u00e0ries. Aix\u00ed ens trobem que, mentre altres \u00edndexs de refer\u00e8ncia com l\u2019Eur\u00edbor estan a la baixa, de manera inusual l\u2019IRPH es troba per sobre. A efectes pr\u00e0ctics, aquests valors elevats de l\u2019IRPH en les hipoteques suposen que el client hipotecari pagui mensualment m\u00e9s per la seva hipoteca.  <\/p><p>Dins dels \u00edndexs de l\u2019IRPH s\u2019han de distingir tres subtipus; IRPH-Caixes i IRPH-Bancs, ja que tots dos resulten inaplicables perqu\u00e8 han estat anul\u00b7lats legalment. I l\u2019IRPH-Entitats, el qual a dia d\u2019avui continua vigent, ja que \u00e9s el que ve a substituir els altres dos anul\u00b7lats en cas que no s\u2019haguessin previst altres \u00edndexs que els substitu\u00efssin. Tot i aquesta substituci\u00f3 legal, entenem que en la majoria de sup\u00f2sits aquesta substituci\u00f3 \u00e9s nul\u00b7la, ja que, en tot cas, s\u2019hauria de considerar un cr\u00e8dit gratu\u00eft (sense interessos) o b\u00e9 aplicar un altre \u00edndex de refer\u00e8ncia com podria ser l\u2019Eur\u00edbor.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Reclamaci\u00f3 de cl\u00e0usules s\u00f2l Advocada a Reus, cl\u00e0usules s\u00f2l o abusives, aplicaci\u00f3 de l\u2019IRPH, etc. A Montse Dami\u00e1n estem especialitzats en la representaci\u00f3 com a advocats a Reus per a cl\u00e0usules s\u00f2l o abusives. Per desgr\u00e0cia, actualment a tots ens sonen aquests termes relacionats amb les cl\u00e0usules s\u00f2l o abusives, que probablement estan incloses en [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-1446","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/montsedamianabogada.com\/ca\/wp-json\/wp\/v2\/pages\/1446","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/montsedamianabogada.com\/ca\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/montsedamianabogada.com\/ca\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/montsedamianabogada.com\/ca\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/montsedamianabogada.com\/ca\/wp-json\/wp\/v2\/comments?post=1446"}],"version-history":[{"count":2,"href":"https:\/\/montsedamianabogada.com\/ca\/wp-json\/wp\/v2\/pages\/1446\/revisions"}],"predecessor-version":[{"id":1512,"href":"https:\/\/montsedamianabogada.com\/ca\/wp-json\/wp\/v2\/pages\/1446\/revisions\/1512"}],"wp:attachment":[{"href":"https:\/\/montsedamianabogada.com\/ca\/wp-json\/wp\/v2\/media?parent=1446"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}