{"id":93129,"date":"2022-03-25T14:15:25","date_gmt":"2022-03-25T14:15:25","guid":{"rendered":"https:\/\/www.asufin.com\/?p=93129"},"modified":"2022-04-13T10:10:44","modified_gmt":"2022-04-13T10:10:44","slug":"les-targetes-revolving-ja-son-el-primer-focus-de-plets-bancaris-per-sobre-de-multidivisa-o-sol","status":"publish","type":"post","link":"https:\/\/staging.asufin.com\/staging\/ca\/les-targetes-revolving-ja-son-el-primer-focus-de-plets-bancaris-per-sobre-de-multidivisa-o-sol\/","title":{"rendered":"Les targetes\u00a0revolving\u00a0ja s\u00f3n el primer focus de plets bancaris per sobre de multidivisa o s\u00f2l"},"content":{"rendered":"\t\t
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Targetes revolving, minicr\u00e8dits i pr\u00e8stecs a cop de \u2018clic\u2019 guanyen protagonisme en els tribunals per les seves condicions i tipus d’inter\u00e8s desmesurats, en un context de deterioraci\u00f3 econ\u00f2mica de les fam\u00edlies<\/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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Un any m\u00e9s,\u00a0ASUFIN\u00a0analitza les noves sent\u00e8ncies fallades a tancament de l’exercici per a oferir una foto completa de la\u00a0litigiosidad\u00a0banc\u00e0ria al nostre pa\u00eds. L’Estudi Jurisprudencial de 2021 llan\u00e7a de nou<\/a> una forta pujada dels plets per targetes\u00a0revolving, de fins al 108%, que passen de 60 a 125<\/strong>, i per primera vegada cobren protagonisme les sent\u00e8ncies per\u00a0minicr\u00e9ditos, els pr\u00e9stecs a cop de clic, en un context de creixent perill de sobreendeutament.

En termes generals, la\u00a0litigiosidad\u00a0va tornar a descendir, per\u00f2 de forma menys acusat del que ho va fer el primer any de pand\u00e8mia. En concret, s’han comptabilitzat 543 sent\u00e8ncies enfront de les 609 sent\u00e8ncies de l’a\u2002o 2020. Aquest descens, del 10,8% respecte a l’exercici anterior, \u00e9s aproximadament la meitat del qual es va produir entre l’a\u2002o 2019 i 2020, que va ser del 22,9%. S’ha mantingut invariable, aix\u00f2 s\u00ed, la taxa d’\u00e8xit a favor del consumidor, que torna a situar-se en el 90%.<\/strong>

Per primera vegada, un producte, el de targetes, desbanca al que major\u00a0litigiosidad\u00a0havia acumulat des de la crisi financera, la hipoteca multidivisa<\/strong>: de 326 descendeix a 114. Tamb\u00e9 continuen retrocedint les fallades per cl\u00e0usula sol, que passen de 42 a 29 i els d’altres productes estructurats, com\u00a0swaps, de 16 a 6.<\/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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Visita el nostre nou espai d’esdeveniments i apuntan’t al webinar Criptos a la Renda 2021<\/a><\/strong><\/h5>

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Per entitats que protagonitzen aquests litigis, les tres m\u00e9s importants d’Espanya, Banc Santander (153 sent\u00e8ncies i un 28,2%), Bankinter (87 sent\u00e8ncies i un 16,0%) i CaixaBank (73 sent\u00e8ncies i un 13,4%) tornen a sumar m\u00e9s de la meitat del total, el 57,6%<\/strong>.<\/p>

No obstant aix\u00f2, de totes elles destaca l’avan\u00e7 de<\/strong>\u00a0WiZink<\/a>, que ja se situa com a quarta entitat per nombre de litigis, enfront de la sisena posici\u00f3 ocupada en 2020: passa del 4,3% de les sent\u00e8ncies al 9,4%, un 120%, en nom\u00e9s un any. La ra\u00f3 consisteix en l’alta litigiositat que mant\u00e9 per les targetes revolving.<\/strong><\/p>

Per Comunitats Aut\u00f2nomes, Madrid \u00e9s la que acapara m\u00e9s sent\u00e8ncies amb un 43,6%, seguida ja a molta dist\u00e0ncia per Catalunya, amb un 12,1% i Castella i Lle\u00f3 amb un 8,2%. En aquesta acumulaci\u00f3 de Madrid, juga un paper fonamental ser la regi\u00f3 que acapara un major nombre de sent\u00e8ncies per la categoria l\u00edder, targetes. En concret 95 sent\u00e8ncies, un 76% del total d’aquesta tipologia es concentren en la comunitat madrilenya.<\/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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Accedeix aqu\u00ed a la teva \u00e0rea privada i fes-te amb el nostre II Estudi Jurisprudencial 2021
<\/a><\/strong><\/h5>\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":"

Targetes revolving, minicr\u00e8dits i pr\u00e8stecs a cop de \u2018clic\u2019 guanyen protagonisme en els tribunals per les seves condicions i tipus d’inter\u00e8s desmesurats, en un context de deterioraci\u00f3 econ\u00f2mica de les fam\u00edlies Un any m\u00e9s, ASUFIN analitza les noves sent\u00e8ncies fallades a tancament de l’exercici per a oferir una foto completa de la litigiosidad banc\u00e0ria al nostre pa\u00eds. L’Estudi Jurisprudencial […]<\/p>\n","protected":false},"author":279,"featured_media":91680,"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":[3278,3279,6902,7301],"tags":[],"class_list":["post-93129","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-asufin-comunicats-cat","category-asufin-destacat-cat","category-targetes-revolving-cat","category-tribunals-cat"],"acf":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2022\/03\/tarjetas-revolving-estudio-jurisprudencial-2021.jpeg?fit=1500%2C1004&ssl=1","jetpack_shortlink":"https:\/\/wp.me\/peayLa-oe5","jetpack_likes_enabled":false,"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/posts\/93129","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=93129"}],"version-history":[{"count":9,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/posts\/93129\/revisions"}],"predecessor-version":[{"id":95946,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/posts\/93129\/revisions\/95946"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/media\/91680"}],"wp:attachment":[{"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/media?parent=93129"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/categories?post=93129"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/tags?post=93129"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}