{"id":26711,"date":"2016-12-05T07:30:50","date_gmt":"2016-12-05T06:30:50","guid":{"rendered":"https:\/\/asufin.com\/?p=26711"},"modified":"2022-04-25T07:55:55","modified_gmt":"2022-04-25T07:55:55","slug":"formulario-demanda-gastos-hipoteca","status":"publish","type":"post","link":"https:\/\/staging.asufin.com\/staging\/formulario-demanda-gastos-hipoteca\/","title":{"rendered":"Gastos Hipoteca: Los gastos hipotecarios se pueden recuperar"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"26711\" class=\"elementor elementor-26711\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-41b1cb8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"41b1cb8\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d382db3\" data-id=\"d382db3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c09a0aa elementor-widget elementor-widget-text-editor\" data-id=\"c09a0aa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h4>M\u00e1s de ocho millones de consumidores pueden reclamar los gastos de su hipoteca y recuperar su dinero<\/h4>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-22e5626 elementor-widget elementor-widget-text-editor\" data-id=\"22e5626\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Durante muchos a\u00f1os los clientes hemos asumido los<strong>\u00a0<\/strong><a href=\"https:\/\/staging.asufin.com\/staging\/reclama\/gastos-hipoteca\/\" target=\"_blank\" rel=\"noopener\">gastos de formalizaci\u00f3n\u00a0y\u00a0cancelaci\u00f3n<\/a>\u00a0de la hipoteca. En estos momentos y gracias a las recientes sentencias del Supremo, que responden a las directrices marcadas por el TJUE, se pueden reclamar todos los gastos incurridos en la formalizaci\u00f3n de las hipotecas previas a la LCCI de 2019, a excepci\u00f3n del impuesto (IAJD)<\/p><p>La sentencia del Tribunal Supremo\u00a0<b>35\/2021, del 27 de enero<\/b>, que obliga a la entidad a devolver el 100% de la tasaci\u00f3n, culmina la reclamaci\u00f3n por gastos. Completa a la anterior,\u00a0<b>457\/2020, de 24 de julio,<\/b>\u00a0que estableci\u00f3 la devoluci\u00f3n del 50% de los gastos notariales y el 100% de los de registro. Esta sentencia tambi\u00e9n determin\u00f3 que pod\u00eda devolverse la comisi\u00f3n por apertura. Posteriormente, la sentencia\u00a0<b>555\/2020 de 26 de octubre<\/b>, estableci\u00f3 la devoluci\u00f3n del 100% de los gastos de gestor\u00eda.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b4e120a elementor-widget elementor-widget-text-editor\" data-id=\"b4e120a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h5><a href=\"mailto:gastos-hipoteca@asufin.com\">Escr\u00edbenos a gastos-hipoteca@asufin.com y te ayudaremos<\/a><\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6aed2e9 elementor-widget elementor-widget-text-editor\" data-id=\"6aed2e9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); font-size: 1rem;\">Se calcula que m\u00e1s de\u00a0<\/span><strong style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-size: 1rem;\">8 millones de consumidores\u00a0<\/strong><span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); font-size: 1rem;\">habr\u00edan podido pagar estos gastos indebidamente y que ahora podr\u00edan recuperar gracias a estas sentencias.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a32f699 elementor-widget elementor-widget-text-editor\" data-id=\"a32f699\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h5><a href=\"https:\/\/panel.asufin.com\/archivos\/pdf\/210208_RECLAMACION_EXTRAJUDICIAL_GASTOS_HIPOTECARIOS_CAS.pdf\" target=\"_blank\" rel=\"noopener\">En nuestro panel de socio puedes descargarte\u00a0un modelo de hoja de reclamaci\u00f3n para gastos hipotecarios<\/a><\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d9c7569 elementor-widget elementor-widget-text-editor\" data-id=\"d9c7569\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>\u00bfQu\u00e9 puedes reclamar?<\/strong><\/p><ul><li>La <b>TOTALIDAD<\/b> de los gastos satisfechos en concepto de <b>arancel registral, gastos de gestor\u00eda y los gastos de tasaci\u00f3n,<\/b> mientras que respecto del arancel notarial reclamaremos el 50%.<\/li><li>En caso de tener <b>comisi\u00f3n de apertura<\/b>, tambi\u00e9n se puede reclamar.<br \/>Adem\u00e1s, cuando haya de restituirse una cantidad de dinero, deber\u00e1 abonarse el inter\u00e9s legal desde el momento en que se recibi\u00f3 el pago indebido.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-daf5a5b elementor-widget elementor-widget-text-editor\" data-id=\"daf5a5b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h5><a href=\"https:\/\/panel.asufin.com\/archivos\/pdf\/2021_FICHA_PRODUCTO_GASTOS_HIPOTECA.pdf\" target=\"_blank\" rel=\"noopener\">Descarga aqu\u00ed la ficha de producto de gastos hipotecarios<\/a><\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9670e3f elementor-widget elementor-widget-text-editor\" data-id=\"9670e3f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"elementor-icon-list-text\">Para poder reclamar los gastos de tu hipoteca necesitamos esta documentaci\u00f3n. Puedes envi\u00e1rnosla a\u00a0<a href=\"mailto:gastos-hipoteca@asufin.com\">gastos-hipoteca@asufin.com<\/a>.<\/span><\/p><ul><li><span class=\"elementor-icon-list-text\"><b>Escritura hipotecaria<\/b><\/span><\/li><li><span class=\"elementor-icon-list-text\"><b>Factura gestor\u00eda<\/b><\/span><\/li><li><span class=\"elementor-icon-list-text\"><b>Factura notario <\/b><\/span><\/li><li><span class=\"elementor-icon-list-text\"><b>F<\/b><\/span><span class=\"elementor-icon-list-text\"><b>actura registro <\/b><\/span><\/li><li><span class=\"elementor-icon-list-text\"><b>F<\/b><\/span><span class=\"elementor-icon-list-text\"><b>actura tasaci\u00f3n <\/b>(si la hubiera)<\/span><\/li><li><span class=\"elementor-icon-list-text\"><b>Reclamaci\u00f3n extrajudicial y respuesta del banco <\/b>(si la hubiera)<\/span><\/li><li><span class=\"elementor-icon-list-text\"><b>Hoja de encargo y autorizaci\u00f3n <\/b>(si tu caso es viable nuestro equipo te la enviar\u00e1)<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4abaed1 elementor-grid-2 elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-posts--thumbnail-top elementor-widget elementor-widget-posts\" data-id=\"4abaed1\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;classic_columns&quot;:&quot;2&quot;,&quot;classic_columns_tablet&quot;:&quot;2&quot;,&quot;classic_columns_mobile&quot;:&quot;1&quot;,&quot;classic_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:35,&quot;sizes&quot;:[]},&quot;classic_row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;classic_row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.classic\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-classic elementor-grid\" role=\"list\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-115047 post type-post status-publish format-standard has-post-thumbnail hentry category-asufin-comunicados category-tarjetas-revolving\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/staging.asufin.com\/staging\/el-supremo-cambia-el-criterio-a-favor-de-la-banca-y-aboca-a-reclamar-las-revolving-por-transparencia\/\" tabindex=\"-1\">\n\t\t\t<div class=\"elementor-post__thumbnail\"><img fetchpriority=\"high\" decoding=\"async\" data-attachment-id=\"115053\" data-permalink=\"https:\/\/staging.asufin.com\/staging\/el-supremo-cambia-el-criterio-a-favor-de-la-banca-y-aboca-a-reclamar-las-revolving-por-transparencia\/revolving-supremo-analisis\/\" data-orig-file=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2023\/03\/revolving-supremo-analisis.jpeg?fit=1000%2C665&amp;ssl=1\" data-orig-size=\"1000,665\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"revolving-supremo-analisis\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2023\/03\/revolving-supremo-analisis.jpeg?fit=800%2C532&amp;ssl=1\" width=\"300\" height=\"200\" src=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2023\/03\/revolving-supremo-analisis.jpeg?fit=300%2C200&amp;ssl=1\" class=\"attachment-medium size-medium wp-image-115053\" alt=\"\" title=\"\" srcset=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2023\/03\/revolving-supremo-analisis.jpeg?w=1000&amp;ssl=1 1000w, https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2023\/03\/revolving-supremo-analisis.jpeg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2023\/03\/revolving-supremo-analisis.jpeg?resize=768%2C511&amp;ssl=1 768w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/staging.asufin.com\/staging\/el-supremo-cambia-el-criterio-a-favor-de-la-banca-y-aboca-a-reclamar-las-revolving-por-transparencia\/\">\n\t\t\t\tEl Supremo cambia el criterio a favor de la banca y aboca a reclamar las revolving por transparencia\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>Nuestro an\u00e1lisis revela que el Supremo ha enmendado su criterio, as\u00ed como el de varias audiencias provinciales, a favor de la banca El an\u00e1lisis de<\/p>\n\t\t<\/div>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/staging.asufin.com\/staging\/el-supremo-cambia-el-criterio-a-favor-de-la-banca-y-aboca-a-reclamar-las-revolving-por-transparencia\/\" aria-label=\"M\u00e1s informaci\u00f3n sobre El Supremo cambia el criterio a favor de la banca y aboca a reclamar las revolving por transparencia\" tabindex=\"-1\">\n\t\t\tLeer M\u00e1s &gt;&gt;\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-115055 post type-post status-publish format-standard has-post-thumbnail hentry category-asufin-comunicados category-tarjetas-revolving\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/staging.asufin.com\/staging\/tarjetas-revolving-la-mayoria-de-las-tae-no-integran-todas-las-comisiones-ni-seguros-ni-el-peligroso-interes-compuesto\/\" tabindex=\"-1\">\n\t\t\t<div class=\"elementor-post__thumbnail\"><img decoding=\"async\" data-attachment-id=\"115060\" data-permalink=\"https:\/\/staging.asufin.com\/staging\/tarjetas-revolving-la-mayoria-de-las-tae-no-integran-todas-las-comisiones-ni-seguros-ni-el-peligroso-interes-compuesto\/bodegon-balanza-justicia-1-1\/\" data-orig-file=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2023\/03\/bodegon-balanza-justicia-1-1.jpeg?fit=1000%2C667&amp;ssl=1\" data-orig-size=\"1000,667\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"bodegon-balanza-justicia-1-1\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2023\/03\/bodegon-balanza-justicia-1-1.jpeg?fit=800%2C534&amp;ssl=1\" width=\"300\" height=\"200\" src=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2023\/03\/bodegon-balanza-justicia-1-1.jpeg?fit=300%2C200&amp;ssl=1\" class=\"attachment-medium size-medium wp-image-115060\" alt=\"\" title=\"\" srcset=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2023\/03\/bodegon-balanza-justicia-1-1.jpeg?w=1000&amp;ssl=1 1000w, https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2023\/03\/bodegon-balanza-justicia-1-1.jpeg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2023\/03\/bodegon-balanza-justicia-1-1.jpeg?resize=768%2C512&amp;ssl=1 768w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/staging.asufin.com\/staging\/tarjetas-revolving-la-mayoria-de-las-tae-no-integran-todas-las-comisiones-ni-seguros-ni-el-peligroso-interes-compuesto\/\">\n\t\t\t\tTarjetas revolving: \u00abLa mayor\u00eda de las TAE no integran todas las comisiones, ni seguros, ni el peligroso inter\u00e9s compuesto\u00bb\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>A juicio de ASUFIN el mecanismo de amortizaci\u00f3n de las tarjetas revolving ya es usurario en s\u00ed mismo al desencadenar el pago de intereses sobre<\/p>\n\t\t<\/div>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/staging.asufin.com\/staging\/tarjetas-revolving-la-mayoria-de-las-tae-no-integran-todas-las-comisiones-ni-seguros-ni-el-peligroso-interes-compuesto\/\" aria-label=\"M\u00e1s informaci\u00f3n sobre Tarjetas revolving: \u00abLa mayor\u00eda de las TAE no integran todas las comisiones, ni seguros, ni el peligroso inter\u00e9s compuesto\u00bb\" tabindex=\"-1\">\n\t\t\tLeer M\u00e1s &gt;&gt;\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>\u00bfQu\u00e9 puedo recuperar? La TOTALIDAD de los gastos satisfechos en concepto de arancel registral, gastos de gestor\u00eda y los gastos de tasaci\u00f3n, mientras que respecto del arancel notarial reclamaremos el 50%.<\/p>\n","protected":false},"author":2,"featured_media":63449,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":true,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[46,2750],"tags":[],"class_list":["post-26711","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-formularios","category-gastos-hipoteca"],"acf":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2021\/04\/primer-plano-aumento-monedas-apiladas-modelo-casa-escritorio-madera_23-2147863959.jpg?fit=626%2C417&ssl=1","jetpack_shortlink":"https:\/\/wp.me\/peayLa-6WP","jetpack_likes_enabled":false,"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/posts\/26711","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/comments?post=26711"}],"version-history":[{"count":30,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/posts\/26711\/revisions"}],"predecessor-version":[{"id":97142,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/posts\/26711\/revisions\/97142"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/media\/63449"}],"wp:attachment":[{"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/media?parent=26711"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/categories?post=26711"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/tags?post=26711"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}