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Clausula suelo: Mortgage floor rate clause ( minimum interest clause). It is legal?. How to claim against Spanish bank for interests charged back.

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    Get your mortgage costs back ( notary, land registry, etc) even if you mortgage has been paid off.

    Question: Dear Mr Baos, I have been reading with interest your articles about the legal action that everyone has in order to be able to claim back for all the costs paid at the time of signing for the mortgage with the bank, i.e.: the costs of the notary, land registry etc, for all the […]

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    Claim back expenses paid on your mortgage: Notary and Land Registry fees, taxes, etc.

    Question: Dear lawyer, I have heard that it is possible to claim back expenses paid for taking out a spanish mortgage, is this true ?, What can be claimed? How much would it cost? Dear reader, thank you for your enquiry. Yes, it is possible to claim back expenses paid by you when you signed […]

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    Clause Floor: The European Court of Justice obliges Spanish banks to pay from the beginning of the mortgage.

    The judgment of the European Court of Justice ( ECJ) of 21 December 2016 (EDJ 2016/226005), could cost the Spanish banks about   € 3,000 to € 5,000 millions, depending on the number of affected consumers who finally claim for their rights, and for the nullity of their mortgage floor – suelo or limitation to the […]

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