ON September 10, the much awaited conclusions of the Advocate General Mr. Szpunar regarding Case C125-18 that had been presented to the Court of Justice of the European Union CJEU, in respect of a mortgage finalised in Spain using the IRPH interest rate to calculate the amount to be charged were published. As we […]
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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MANY people have or have had their mortgage loan in Spain linked to an interest rate different to Euribor (which is the most common rate). Until 2013 however, there were many loans known as IRPH DE BANCOS, or IRPH DE CAJAS DE AHORROS, which in reality were the average rate of mortgage loans for more […]
A NEW Law 5/2019 of March 15 actually came into force on June 16 and as it is more commonly known, the Mortgage Law is a regulator of real estate credit contracts. This new law has introduced important new elements which will apply when you approach a bank for a mortgage loan. Amongst these changes, […]