{"id":3877,"date":"2022-02-19T08:05:18","date_gmt":"2022-02-19T08:05:18","guid":{"rendered":"https:\/\/www.advocatscolomer.cat\/hipotecas-multidivisa\/"},"modified":"2022-05-10T16:16:39","modified_gmt":"2022-05-10T16:16:39","slug":"hipoteques-multidivisa","status":"publish","type":"page","link":"https:\/\/www.advocatscolomer.cat\/ca\/hipoteques-multidivisa\/","title":{"rendered":"HIPOTEQUES MULTIDIVISA"},"content":{"rendered":"

[vc_row content_width=\u00bbgrid\u00bb triangle_shape=\u00bbno\u00bb css=\u00bb.vc_custom_1447677425868{padding-top: 70px !important;}\u00bb][vc_column offset=\u00bbvc_col-lg-9 vc_col-md-12″]\n

\n\tSecci\u00f3 > Dret bancari<\/h2>[vc_column_text]<\/p>\n

Hipoteques <\/span>Multidivisa<\/strong><\/h1>\n

[\/vc_column_text][vc_empty_space height=\u00bb20px\u00bb][vc_column_text]\u00c9s tracta d\u00b4un producte financer complex.<\/p>\n

En aquest tipus d’hipoteques no es fa servir l’euro com a divisa. Normalment la moneda triada \u00e9s el Ien o el Franc su\u00eds, a m\u00e9s solen estar referenciada al Libor i no a l’Euribor com \u00e9s la majoria de les hipoteques.<\/p>\n

El Tribunal Suprem considera que les cl\u00e0usules controvertides de les esmentades hipoteques no superen el control de transpar\u00e8ncia que es exigible a les entitats financeres i declara la nul\u00b7litat parcial del pr\u00e9stec o cr\u00e8dit i l’eliminaci\u00f3 de les refer\u00e8ncies en divises, la qual cosa comporta que la hipoteca passi a ser un pr\u00e9stec concedit en euros, aix\u00ed mateix, s’obliga a reintegrar l’import de les quantitats pagades en exc\u00e9s.<\/p>\n

Ens encarreguem de redactar la reclamaci\u00f3 extrajudicial i presentar-la a l’Entitat Financera i de no obtenir resposta o resposta insatisfact\u00f2ria, en aquest cas presentem una demanda davant dels Jutjats de Girona, Barcelona, \u200b\u200bRipoll, Olot, Figueres o Sta. Coloma de Farners sol\u00b7licitant, seguint la jurisprud\u00e8ncia de l’Audi\u00e8ncia Provincial de Girona, la nul\u00b7litat parcial del contracte de pr\u00e9stec hipotecari subscrit entre les parts pel que fa a la indexaci\u00f3 a divises. Aix\u00ed mateix, sol\u00b7licitem que es condemni a l’entitat financera a liquidar el pr\u00e9stec des de la seva subscripci\u00f3 referenciat a l’Euribor m\u00e9s el corresponent diferencial i reintegrar els demandants en l’import de les quantitats pagades en exc\u00e9s, aix\u00ed com totes les comissions i despeses cobrades pel canvi de divisa, aix\u00ed com interessos corresponents.[\/vc_column_text][vc_empty_space height=\u00bb20px\u00bb]\n

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\n\tValorem les estrat\u00e8gies legals intel\u00b7ligents i rentables. Assessorem als nostre clients abans de prendre decisions o invertir en recursos.<\/span>\n\t<\/h3>\n<\/blockquote>
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\n\tDret Bancari<\/h2>[vc_empty_space height=\u00bb20px\u00bb]
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Cl\u00e0usules terra<\/p>\n<\/div>[vc_empty_space height=\u00bb6px\u00bb]

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Despesses hipotecaries<\/p>\n<\/div>[vc_empty_space height=\u00bb6px\u00bb]

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Cl\u00e0usules de comissi\u00f3 d\u00b4obertura<\/p>\n<\/div>[vc_empty_space height=\u00bb6px\u00bb]

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Execucions hipotecaries<\/p>\n<\/div>[vc_empty_space height=\u00bb6px\u00bb]

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Hipoteques multidivisa<\/p>\n<\/div>[vc_empty_space height=\u00bb6px\u00bb]

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Targetes revolving<\/p>\n<\/div>[vc_empty_space height=\u00bb40px\u00bb][\/vc_column_inner][vc_column_inner width=\u00bb1\/2″]\n

\n\tDret Civil<\/h2>[vc_empty_space height=\u00bb20px\u00bb]
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Assessorament i redacci\u00f3 de contractes<\/p>\n<\/div>[vc_empty_space height=\u00bb6px\u00bb]

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Reclamacions de quantitat<\/p>\n<\/div>[vc_empty_space height=\u00bb6px\u00bb]

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Accidents de tr\u00e0nsit<\/p>\n<\/div>[vc_empty_space height=\u00bb6px\u00bb]

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Her\u00e8ncies<\/p>\n<\/div>[vc_empty_space height=\u00bb6px\u00bb]

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Incapacitacions<\/p>\n<\/div>[vc_empty_space height=\u00bb6px\u00bb]

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Separacions i divorcis<\/p>\n<\/div>[vc_empty_space height=\u00bb6px\u00bb]

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Nul\u00b7litats matrimonials<\/p>\n<\/div>[vc_empty_space height=\u00bb40px\u00bb][\/vc_column_inner][\/vc_row_inner][vc_row_inner css=\u00bb.vc_custom_1447678838422{padding-top: 40px !important;padding-bottom: 10px !important;}\u00bb][vc_column_inner width=\u00bb1\/2″]\n

\n\tDret Mercantil i Fiscal<\/h2>[vc_empty_space height=\u00bb20px\u00bb]
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Cl\u00e0usules terra<\/p>\n<\/div>[vc_empty_space height=\u00bb6px\u00bb]

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Targetes revolving<\/p>\n<\/div>[vc_empty_space height=\u00bb40px\u00bb][\/vc_column_inner][vc_column_inner width=\u00bb1\/2″]\n

\n\tDret Concursal<\/h2>[vc_empty_space height=\u00bb20px\u00bb]
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Concursos d\u2019acreedors de persones f\u00edsiques no empresari (llei de la segona oportunitat)<\/p>\n<\/div>[vc_empty_space height=\u00bb6px\u00bb]

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Assessorament en reestructuracions de deute.<\/p>\n<\/div>[vc_empty_space height=\u00bb40px\u00bb][\/vc_column_inner][\/vc_row_inner][vc_empty_space height=\u00bb6px\u00bb][vc_row_inner][vc_column_inner][vc_text_separator title=\u00bbComenceu avui mateix amb la soluci\u00f3\u00bb]\n\n\t

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\n\t\t\t\t\t\t\t\t<\/i>\t\t\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\n\t\t\t\t\t
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Necessiteu ajuda i assessorament professional?<\/h3>\n

Contacteu amb nosaltres o vingueu a informar-vos sense cap comprom\u00eds.<\/p>\n<\/div>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\t\t

\n\n\t\t\t\t\t\t Sol\u00b7licitud de consulta<\/span> <\/span> <\/span> <\/span> <\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t<\/div>\n\n\t\t\n\t<\/div>\n\n[\/vc_column_inner][vc_column_inner][vc_empty_space][\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column width=\u00bb1\/2″ offset=\u00bbvc_col-lg-offset-0 vc_col-lg-3 vc_col-md-offset-3 vc_col-md-6 vc_col-sm-offset-3″ css=\u00bb.vc_custom_1448019881202{padding-right: 0px !important;padding-left: 0px !important;}\u00bb]
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\n\t\t\t\t\t\t[vc_widget_sidebar sidebar_id=\u00bbpage-sidebar\u00bb]\t\t<\/div>\n\t<\/div>\n<\/div><\/div>[vc_empty_space height=\u00bb70px\u00bb][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"

[vc_row content_width=\u00bbgrid\u00bb triangle_shape=\u00bbno\u00bb css=\u00bb.vc_custom_1447677425868{padding-top: 70px !important;}\u00bb][vc_column offset=\u00bbvc_col-lg-9 vc_col-md-12″][vc_column_text] Hipoteques Multidivisa [\/vc_column_text][vc_empty_space height=\u00bb20px\u00bb][vc_column_text]\u00c9s tracta d\u00b4un producte financer complex. En aquest tipus d’hipoteques no es fa servir l’euro com a divisa. Normalment la moneda triada \u00e9s el Ien o el Franc su\u00eds, a m\u00e9s solen estar referenciada al Libor i no a l’Euribor com \u00e9s la majoria de les hipoteques. El Tribunal Suprem considera que les cl\u00e0usules controvertides de les esmentades hipoteques no superen el control de transpar\u00e8ncia que es exigible a les entitats financeres i declara la nul\u00b7litat parcial del pr\u00e9stec o cr\u00e8dit i l’eliminaci\u00f3 de les refer\u00e8ncies en divises, la…<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"full-width.php","meta":{"inline_featured_image":false,"footnotes":""},"class_list":["post-3877","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.advocatscolomer.cat\/ca\/wp-json\/wp\/v2\/pages\/3877","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.advocatscolomer.cat\/ca\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.advocatscolomer.cat\/ca\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.advocatscolomer.cat\/ca\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.advocatscolomer.cat\/ca\/wp-json\/wp\/v2\/comments?post=3877"}],"version-history":[{"count":7,"href":"https:\/\/www.advocatscolomer.cat\/ca\/wp-json\/wp\/v2\/pages\/3877\/revisions"}],"predecessor-version":[{"id":3885,"href":"https:\/\/www.advocatscolomer.cat\/ca\/wp-json\/wp\/v2\/pages\/3877\/revisions\/3885"}],"wp:attachment":[{"href":"https:\/\/www.advocatscolomer.cat\/ca\/wp-json\/wp\/v2\/media?parent=3877"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}