{"id":86066,"date":"2022-02-21T08:17:23","date_gmt":"2022-02-21T08:17:23","guid":{"rendered":"https:\/\/www.asufin.com\/?p=86066"},"modified":"2022-02-21T08:17:30","modified_gmt":"2022-02-21T08:17:30","slug":"irph-el-suprem-opta-per-la-interpretacio-mes-desfavorable-pero-la-batalla-continua","status":"publish","type":"post","link":"https:\/\/staging.asufin.com\/staging\/ca\/irph-el-suprem-opta-per-la-interpretacio-mes-desfavorable-pero-la-batalla-continua\/","title":{"rendered":"IRPH: El Suprem opta per la interpretaci\u00f3 m\u00e9s desfavorable, per\u00f2 la batalla continua"},"content":{"rendered":"\t\t
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L’Alt Tribunal passa per alt que aquest \u00edndex ha suposat un perjudici econ\u00f2mic sistem\u00e0tic per als hipotecats, provat en tantes i tantes sent\u00e8ncies<\/h4>\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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Davant el contingut de les tres sent\u00e8ncies, n\u00famero 42, 43 i 44\/2022, de 27 de gener, notificades avui pel Tribunal Suprem, relatives a IRPH, manifestem que \u201ccom ja ens t\u00e9 acostumats, l’Alt Tribunal opta per la interpretaci\u00f3 m\u00e9s desfavorable<\/strong> per al consumidor\u201d.

En paraules de Patricia Su\u00e1rez, presidenta d’ASUFIN: \u201cNo podem entendre que de la mera publicaci\u00f3 en el BOE d’aquest \u00edndex pugui inferir-se que un consumidor mitj\u00e0 estava en condicions de comprendre que anava a pagar sistem\u00e0ticament m\u00e9s per la seva hipoteca. Cap client de banca hauria acceptat tal contractaci\u00f3, si ho hagu\u00e9s sabut<\/strong>\u201d.

\u201cInsistim: si al consumidor mitj\u00e0 que se li hagu\u00e9s informat adequadament que contractava un \u00edndex el c\u00e0lcul del qual inclo\u00efa no sols la mitjana dels tipus d’inter\u00e8s, sin\u00f3 la resta de despeses, comissions… la TAE, en definitiva, ning\u00fa ho hauria acceptat, en entendre que sempre li anava a suposar un sobrecost en les quotes del seu pr\u00e9stec. El tot \u00e9s m\u00e9s que la part, sempre\u201d.<\/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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Segueix-nos en Twitter per ser el primer en veure tot el nostre contingut!
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\u201cM\u00e9s escandal\u00f3s encara ens sembla la consideraci\u00f3 que l’IRPH era el m\u00e9s adequat per a utilitzar-ho com a \u00edndex de refer\u00e8ncia en l’\u00e0mbit del finan\u00e7ament d’habitatges protegits, i que aix\u00f2 per tant demostra l’abs\u00e8ncia de mala fe en la incorporaci\u00f3 als pr\u00e9stecs convencionals\u201d.

L’Alt Tribunal tamb\u00e9 afirma que \u201cper a apreciar si hi ha desequilibri no n’hi ha prou amb comparar l’IRPH amb un altre \u00edndex de refer\u00e8ncia (b\u00e0sicament l’Euribor)\u201d, deixant passar per alt que el 80% de les hipoteques en aquest pa\u00eds estan referenciades a aquest \u00edndex. I que l’IRPH ha suposat un aut\u00e8ntic drama per a la resta de fam\u00edlies hipotecades, al voltant d’un mili\u00f3, suportant sobrecostos pr\u00f2xims als 200 euros en les seves quotes, mes a mes.

\u201cEstem davant un clar ab\u00fas que, afortunadament, molts jutges al nostre pa\u00eds entenen. Hem de confiar, de nou, en tots ells i, el m\u00e9s important, no desistir en la batalla per eliminar l’IRPH de tots els contractes\u201d, ressenya Su\u00e1rez.<\/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<\/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":"

L’Alt Tribunal passa per alt que aquest \u00edndex ha suposat un perjudici econ\u00f2mic sistem\u00e0tic per als hipotecats, provat en tantes i tantes sent\u00e8ncies Davant el contingut de les tres sent\u00e8ncies, n\u00famero 42, 43 i 44\/2022, de 27 de gener, notificades avui pel Tribunal Suprem, relatives a IRPH, manifestem que \u201ccom ja ens t\u00e9 acostumats, l’Alt […]<\/p>\n","protected":false},"author":279,"featured_media":84591,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[3278,3279,6872],"tags":[],"class_list":["post-86066","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-asufin-comunicats-cat","category-asufin-destacat-cat","category-irph-cat"],"acf":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2022\/01\/sentencias_IRPH_Supremo-scaled.jpeg?fit=2560%2C1707&ssl=1","jetpack_shortlink":"https:\/\/wp.me\/peayLa-moa","jetpack_likes_enabled":false,"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/posts\/86066","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\/279"}],"replies":[{"embeddable":true,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/comments?post=86066"}],"version-history":[{"count":7,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/posts\/86066\/revisions"}],"predecessor-version":[{"id":86073,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/posts\/86066\/revisions\/86073"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/media\/84591"}],"wp:attachment":[{"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/media?parent=86066"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/categories?post=86066"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/tags?post=86066"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}