{"id":10567,"date":"2021-03-09T18:19:14","date_gmt":"2021-03-09T17:19:14","guid":{"rendered":"https:\/\/www.white-baos.com\/?p=10567"},"modified":"2021-03-09T18:19:20","modified_gmt":"2021-03-09T17:19:20","slug":"mortgage-loan-nullity-less-money-received-than-declared","status":"publish","type":"post","link":"https:\/\/www.white-baos.com\/en\/mortgage-loan-nullity-less-money-received-than-declared\/","title":{"rendered":"Mortgage loan nullity. When the money paid is lower than the capital declared."},"content":{"rendered":"\n<p>There are many reasons why a mortgage loan nullity could be declared by a judge. Some loans are against the Usury Law of 1908. These usurious loans usually have:<\/p>\n\n\n\n<ul><li>A much higher interest rate than the normal market ones.<\/li><li>Invariably foresees an abusive delay in interest<\/li><li>It is also possible that could be nullified because the amount of principal declared is actually more than the amount originally paid over<\/li><\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-the-supreme-court-ruling-302-2020\"><strong><u>The Supreme Court ruling 302\/2020<\/u><\/strong><\/h2>\n\n\n\n<p>In the court decision indicated above, the Supreme Court declared that a mortgage loan contract be declared void in accordance with article 1 of the Usury Law, which states that it will be nullified if;<\/p>\n\n\n\n<p>&nbsp;<em>&#8220;The contract in which it is stated that a greater amount has been received than the one actually delivered, whatever its entity and circumstances.&#8221;<\/em><\/p>\n\n\n\n<p>Thus, in this court decision, and other previous ones, the Supreme Court speaks of a &#8220;counterfeit or untrue loan&#8221;. It is the one by which, in a fraudulent way, a hidden profit is obtained, by the lender. Declaring that a greater amount has been lent than that actually delivered.<\/p>\n\n\n\n<p>There will not be in a voided mortgage loan, when;<\/p>\n\n\n\n<ul><li>Interest is charged in advance.<\/li><li>It includes amounts to be discounted for services done.<\/li><li>Nor if an amount is withheld to pay debts, or expenses.<\/li><\/ul>\n\n\n\n<p>This then means that the loan has been properly executed.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-forged-or-untrue-loan\"><strong><u>Forged or untrue loan<\/u><\/strong><\/h2>\n\n\n\n<p>In this case, it was pointed out that an amount had been paid to the client, partly by cheque and partly in cash and included a part that was for brokerage expenses, provisions for expenses, interest, etc.<\/p>\n\n\n\n<p>But in reality, what was being hidden, is that it was being declared as an amount received, greater than that which was actually paid.<\/p>\n\n\n\n<p>The Supreme Court reaches this conclusion, due to consideration of various circumstances;<\/p>\n\n\n\n<ul><li>The information concerning the amount of advance payment of interest, was not advised to the client, (the borrower)<\/li><li>It was not explained, what the intermediation service was being charged for<\/li><li>There was a failure to specify what expenses were to be paid from the amount withheld<\/li><li>The amount withheld was disproportion to the principal of the loan<\/li><\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-consequences-mortgage-loan-nullity\"><strong><u>Consequences<\/u>: mortgage loan nullity<\/strong><\/h2>\n\n\n\n<p>In the event that a bigger amount is declared as being received than the actual amount paid then a mortgage loan nullity could be declared. This means;<\/p>\n\n\n\n<ul><li>Borrowers or clients must return the amount actually received.<\/li><li>Voiding of the mortgage on the property. The property would be free of charges.<\/li><li>The lender must repay any amounts received from the borrower<\/li><li>In the event that a foreclosure procedure has been initiated it must be cancelled.<\/li><\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-conclusion\"><strong><u>Conclusion<\/u><\/strong><\/h2>\n\n\n\n<p>If you have been the victim of a false loan, (if it was declared that you had been paid more money, than that actually received), you should know that you can legally claim the mortgage loan nullity.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>If you have questions about an abusive contract, check our <a href=\"https:\/\/www.white-baos.com\/en\/servicios\/litigation-civil-jurisdiction-consumers-real-estate-litigations-claims-against-the-builder-tenancy-disputes-community-of-owners-etc\/\">courts services<\/a> and <a href=\"https:\/\/www.white-baos.com\/en\/contact\/\" target=\"_blank\" rel=\"noreferrer noopener\">contact us.<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www.facebook.com\/WhiteBaosAbogadosLawyers\" target=\"_blank\" rel=\"noreferrer noopener\">Keep being informed in our facebook.<\/a><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><em>The information provided in this article is not intended to be legal advice, it merely conveys information related to legal issues.<\/em><\/p>\n\n\n\n<p>Carlos Baos (Lawyer)<\/p>\n\n\n\n<p>White &amp; Baos<\/p>\n\n\n\n<p>Tel: +34 966 426 185<\/p>\n\n\n\n<p>E-mail: info@white-baos.com<\/p>\n\n\n\n<p>White &amp; Baos 2021- All Rights Reserved.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Mortgage loan nullity. Less money received than declared. [&#8230;]<\/p>\n<p><a class=\"btn btn-primary understrap-read-more-link\" href=\"https:\/\/www.white-baos.com\/en\/mortgage-loan-nullity-less-money-received-than-declared\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":2,"featured_media":10563,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[443],"tags":[1026,1025],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Mortgage loan nullity. Less money received than declared.<\/title>\n<meta name=\"description\" content=\"Banking law. Spanish Lawyer. Mortgage loan nullity. 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