{"id":513,"count":49,"description":" \nEstimados lectores,La cláusula suelo o de interés mínimo, se ha incluido por muchos bancos en España en sus préstamos hipotecarios. Por esta cláusula se fija un interés mínimo, y de esta forma, si el préstamo está referenciado por ejemplo al Euribor, aunque el Euribor baje, el interés a pagar por el consumidor prestatario, no disminuirá más allá del suelo fijado.Como hemos mencionado en otros artículos, aunque no siempre este tipo de cláusula suelo es ilegal, cada caso debe ser considerado y estudiado de forma individual. Según la legislación aplicable a los consumidores, este tipo de limitación a los derechos de consumidores y usuarios, deben ser informadas y aceptadas expresamente por ellos.Por lo tanto, si usted tiene un préstamo hipotecario, debe usted revisar su escritura y ver si se acordó algún tipo de cláusula suelo o interés mínimo, si no sabe como buscarla, nuestro despacho puede revisar su escritura de préstamo hipotecario por usted, sin compromiso alguno.Si en su préstamo hipotecario, hay una limitación de este tipo, usted debe saber que:1.- La limitación en la bajada del tipo de interés y la existencia de un interés mínimo, debe haber sido informada y negociada por usted como consumidor antes de la firma de la escritura ante el notario. Así, esta limitación debió de informársele en la oferta vinculante, que usted debió firmar antes de ir a la notaría.2.-Un factor determinante para que una cláusula suelo pueda ser considerada como abusiva, es el hecho de que exista también una cláusula techo, es decir, también un interés máximo. En este caso se deberá estudiar si el interés mínimo acordado ( cláusula suelo) y el máximo ( cláusula techo) son proporcionados o no, y si hay o no reciprocidad en las obligaciones de las partes.La falta de reciprocidad y\/o de de proporcionalidad, o la inexistencia de la oferta vinculante, se han tenido en cuenta en numerosas sentencias judiciales que se han dictado a favor de los consumidores, por ejemplo, la sentencia de la Audiencia Provincia de Alicante, en el número 368\/2012, de 13 de septiembre, o la número 58\/2012 del 10 de febrero.Por lo tanto, si usted tiene una hipoteca y desea asegurarse que sus derechos como consumidor están protegidos y confirmar si firmó una cláusula suelo o no, y si ésta es abusiva, desde White Baos Abogados podemos ayudarle. Si lo desea envíenos una copia de su escritura de préstamo hipotecario a nuestro correo info@white-baos.com, sin ningún compromiso, y le informaremos.Si usted o alguien que usted conoce se encontrara en esta situación, consúltenos y le asesoraremos convenientemente. La información proporcionada  no pretende ser asesoramiento legal, sino que simplemente transmite la información relacionada con cuestiones legales.White & BaosTel: 966 426 185 E-mail: info@white-baos.comWhite & Baos 2013  Todos los derechos reservados\n \n","link":"https:\/\/www.white-baos.com\/fr\/servicios\/judiciaire-droit-civil-consommateurs-et-usagers-judiciaire-immobilier-defauts-de-construction-resolution-de-contrats-expulsions-copropriete-etc\/legalite-ou-illegalite-des-clauses-sols-dans-les-hypotheques-interet-minimum-demande-contre-les-banques-interets-debites-indument-demande\/","name":"L\u00e9galit\u00e9 ou ill\u00e9galit\u00e9 des clauses sols dans les hypoth\u00e8ques (int\u00e9r\u00eat minimum). Demande contre les banques. Int\u00e9r\u00eats d\u00e9bit\u00e9s ind\u00fbment demande","slug":"legalite-ou-illegalite-des-clauses-sols-dans-les-hypotheques-interet-minimum-demande-contre-les-banques-interets-debites-indument-demande","taxonomy":"category","parent":488,"meta":[],"yoast_head":"\nClauses Sols dans les Hypoth\u00e8ques (Int\u00e9r\u00eat Minimum<\/title>\n<meta name=\"description\" content=\"L\u00e9galit\u00e9 ou ill\u00e9galit\u00e9 des clauses sols dans les hypoth\u00e8ques (int\u00e9r\u00eat minimum). Demande contre les banques. Int\u00e9r\u00eats d\u00e9bit\u00e9s ind\u00fbment demande\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.white-baos.com\/fr\/servicios\/judiciaire-droit-civil-consommateurs-et-usagers-judiciaire-immobilier-defauts-de-construction-resolution-de-contrats-expulsions-copropriete-etc\/legalite-ou-illegalite-des-clauses-sols-dans-les-hypotheques-interet-minimum-demande-contre-les-banques-interets-debites-indument-demande\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Clauses Sols dans les Hypoth\u00e8ques (Int\u00e9r\u00eat Minimum\" \/>\n<meta property=\"og:description\" content=\"L\u00e9galit\u00e9 ou ill\u00e9galit\u00e9 des clauses sols dans les hypoth\u00e8ques (int\u00e9r\u00eat minimum). Demande contre les banques. Int\u00e9r\u00eats d\u00e9bit\u00e9s ind\u00fbment demande\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.white-baos.com\/fr\/servicios\/judiciaire-droit-civil-consommateurs-et-usagers-judiciaire-immobilier-defauts-de-construction-resolution-de-contrats-expulsions-copropriete-etc\/legalite-ou-illegalite-des-clauses-sols-dans-les-hypotheques-interet-minimum-demande-contre-les-banques-interets-debites-indument-demande\/\" \/>\n<meta property=\"og:site_name\" content=\"White & Baos, Abogados & Solicitors\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"CollectionPage\",\"@id\":\"https:\/\/www.white-baos.com\/fr\/servicios\/judiciaire-droit-civil-consommateurs-et-usagers-judiciaire-immobilier-defauts-de-construction-resolution-de-contrats-expulsions-copropriete-etc\/legalite-ou-illegalite-des-clauses-sols-dans-les-hypotheques-interet-minimum-demande-contre-les-banques-interets-debites-indument-demande\/\",\"url\":\"https:\/\/www.white-baos.com\/fr\/servicios\/judiciaire-droit-civil-consommateurs-et-usagers-judiciaire-immobilier-defauts-de-construction-resolution-de-contrats-expulsions-copropriete-etc\/legalite-ou-illegalite-des-clauses-sols-dans-les-hypotheques-interet-minimum-demande-contre-les-banques-interets-debites-indument-demande\/\",\"name\":\"Clauses Sols dans les Hypoth\u00e8ques (Int\u00e9r\u00eat Minimum\",\"isPartOf\":{\"@id\":\"https:\/\/www.white-baos.com\/fr\/#website\"},\"description\":\"L\u00e9galit\u00e9 ou ill\u00e9galit\u00e9 des clauses sols dans les hypoth\u00e8ques (int\u00e9r\u00eat minimum). Demande contre les banques. Int\u00e9r\u00eats d\u00e9bit\u00e9s ind\u00fbment demande\",\"breadcrumb\":{\"@id\":\"https:\/\/www.white-baos.com\/fr\/servicios\/judiciaire-droit-civil-consommateurs-et-usagers-judiciaire-immobilier-defauts-de-construction-resolution-de-contrats-expulsions-copropriete-etc\/legalite-ou-illegalite-des-clauses-sols-dans-les-hypotheques-interet-minimum-demande-contre-les-banques-interets-debites-indument-demande\/#breadcrumb\"},\"inLanguage\":\"fr-FR\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.white-baos.com\/fr\/servicios\/judiciaire-droit-civil-consommateurs-et-usagers-judiciaire-immobilier-defauts-de-construction-resolution-de-contrats-expulsions-copropriete-etc\/legalite-ou-illegalite-des-clauses-sols-dans-les-hypotheques-interet-minimum-demande-contre-les-banques-interets-debites-indument-demande\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Portada\",\"item\":\"https:\/\/www.white-baos.com\/fr\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"JUDICIAIRE : droit civil, consommateurs et usagers, judiciaire immobilier : d\u00e9fauts de construction, r\u00e9solution de contrats, expulsions, copropri\u00e9t\u00e9, etc.\",\"item\":\"https:\/\/www.white-baos.com\/fr\/servicios\/judiciaire-droit-civil-consommateurs-et-usagers-judiciaire-immobilier-defauts-de-construction-resolution-de-contrats-expulsions-copropriete-etc\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"L\u00e9galit\u00e9 ou ill\u00e9galit\u00e9 des clauses sols dans les hypoth\u00e8ques (int\u00e9r\u00eat minimum). Demande contre les banques. Int\u00e9r\u00eats d\u00e9bit\u00e9s ind\u00fbment demande\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.white-baos.com\/fr\/#website\",\"url\":\"https:\/\/www.white-baos.com\/fr\/\",\"name\":\"White & Baos, Abogados & Solicitors\",\"description\":\"Anglo Spanish law firm established by both Spanish and UK lawyers based in Denia Alicante Spain\",\"publisher\":{\"@id\":\"https:\/\/www.white-baos.com\/fr\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.white-baos.com\/fr\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.white-baos.com\/fr\/#organization\",\"name\":\"White & Baos, Abogados & Solicitors\",\"url\":\"https:\/\/www.white-baos.com\/fr\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/www.white-baos.com\/fr\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.white-baos.com\/wp-content\/uploads\/2022\/09\/logo-wb-legalboutique-rojo.svg\",\"contentUrl\":\"https:\/\/www.white-baos.com\/wp-content\/uploads\/2022\/09\/logo-wb-legalboutique-rojo.svg\",\"width\":100,\"height\":100,\"caption\":\"White & Baos, Abogados & Solicitors\"},\"image\":{\"@id\":\"https:\/\/www.white-baos.com\/fr\/#\/schema\/logo\/image\/\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Clauses Sols dans les Hypoth\u00e8ques (Int\u00e9r\u00eat Minimum","description":"L\u00e9galit\u00e9 ou ill\u00e9galit\u00e9 des clauses sols dans les hypoth\u00e8ques (int\u00e9r\u00eat minimum). Demande contre les banques. Int\u00e9r\u00eats d\u00e9bit\u00e9s ind\u00fbment demande","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.white-baos.com\/fr\/servicios\/judiciaire-droit-civil-consommateurs-et-usagers-judiciaire-immobilier-defauts-de-construction-resolution-de-contrats-expulsions-copropriete-etc\/legalite-ou-illegalite-des-clauses-sols-dans-les-hypotheques-interet-minimum-demande-contre-les-banques-interets-debites-indument-demande\/","og_locale":"fr_FR","og_type":"article","og_title":"Clauses Sols dans les Hypoth\u00e8ques (Int\u00e9r\u00eat Minimum","og_description":"L\u00e9galit\u00e9 ou ill\u00e9galit\u00e9 des clauses sols dans les hypoth\u00e8ques (int\u00e9r\u00eat minimum). Demande contre les banques. Int\u00e9r\u00eats d\u00e9bit\u00e9s ind\u00fbment demande","og_url":"https:\/\/www.white-baos.com\/fr\/servicios\/judiciaire-droit-civil-consommateurs-et-usagers-judiciaire-immobilier-defauts-de-construction-resolution-de-contrats-expulsions-copropriete-etc\/legalite-ou-illegalite-des-clauses-sols-dans-les-hypotheques-interet-minimum-demande-contre-les-banques-interets-debites-indument-demande\/","og_site_name":"White & Baos, Abogados & Solicitors","twitter_card":"summary_large_image","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"CollectionPage","@id":"https:\/\/www.white-baos.com\/fr\/servicios\/judiciaire-droit-civil-consommateurs-et-usagers-judiciaire-immobilier-defauts-de-construction-resolution-de-contrats-expulsions-copropriete-etc\/legalite-ou-illegalite-des-clauses-sols-dans-les-hypotheques-interet-minimum-demande-contre-les-banques-interets-debites-indument-demande\/","url":"https:\/\/www.white-baos.com\/fr\/servicios\/judiciaire-droit-civil-consommateurs-et-usagers-judiciaire-immobilier-defauts-de-construction-resolution-de-contrats-expulsions-copropriete-etc\/legalite-ou-illegalite-des-clauses-sols-dans-les-hypotheques-interet-minimum-demande-contre-les-banques-interets-debites-indument-demande\/","name":"Clauses Sols dans les Hypoth\u00e8ques (Int\u00e9r\u00eat Minimum","isPartOf":{"@id":"https:\/\/www.white-baos.com\/fr\/#website"},"description":"L\u00e9galit\u00e9 ou ill\u00e9galit\u00e9 des clauses sols dans les hypoth\u00e8ques (int\u00e9r\u00eat minimum). Demande contre les banques. Int\u00e9r\u00eats d\u00e9bit\u00e9s ind\u00fbment demande","breadcrumb":{"@id":"https:\/\/www.white-baos.com\/fr\/servicios\/judiciaire-droit-civil-consommateurs-et-usagers-judiciaire-immobilier-defauts-de-construction-resolution-de-contrats-expulsions-copropriete-etc\/legalite-ou-illegalite-des-clauses-sols-dans-les-hypotheques-interet-minimum-demande-contre-les-banques-interets-debites-indument-demande\/#breadcrumb"},"inLanguage":"fr-FR"},{"@type":"BreadcrumbList","@id":"https:\/\/www.white-baos.com\/fr\/servicios\/judiciaire-droit-civil-consommateurs-et-usagers-judiciaire-immobilier-defauts-de-construction-resolution-de-contrats-expulsions-copropriete-etc\/legalite-ou-illegalite-des-clauses-sols-dans-les-hypotheques-interet-minimum-demande-contre-les-banques-interets-debites-indument-demande\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Portada","item":"https:\/\/www.white-baos.com\/fr\/"},{"@type":"ListItem","position":2,"name":"JUDICIAIRE : droit civil, consommateurs et usagers, judiciaire immobilier : d\u00e9fauts de construction, r\u00e9solution de contrats, expulsions, copropri\u00e9t\u00e9, etc.","item":"https:\/\/www.white-baos.com\/fr\/servicios\/judiciaire-droit-civil-consommateurs-et-usagers-judiciaire-immobilier-defauts-de-construction-resolution-de-contrats-expulsions-copropriete-etc\/"},{"@type":"ListItem","position":3,"name":"L\u00e9galit\u00e9 ou ill\u00e9galit\u00e9 des clauses sols dans les hypoth\u00e8ques (int\u00e9r\u00eat minimum). Demande contre les banques. Int\u00e9r\u00eats d\u00e9bit\u00e9s ind\u00fbment demande"}]},{"@type":"WebSite","@id":"https:\/\/www.white-baos.com\/fr\/#website","url":"https:\/\/www.white-baos.com\/fr\/","name":"White & Baos, Abogados & Solicitors","description":"Anglo Spanish law firm established by both Spanish and UK lawyers based in Denia Alicante Spain","publisher":{"@id":"https:\/\/www.white-baos.com\/fr\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.white-baos.com\/fr\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Organization","@id":"https:\/\/www.white-baos.com\/fr\/#organization","name":"White & Baos, Abogados & Solicitors","url":"https:\/\/www.white-baos.com\/fr\/","logo":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.white-baos.com\/fr\/#\/schema\/logo\/image\/","url":"https:\/\/www.white-baos.com\/wp-content\/uploads\/2022\/09\/logo-wb-legalboutique-rojo.svg","contentUrl":"https:\/\/www.white-baos.com\/wp-content\/uploads\/2022\/09\/logo-wb-legalboutique-rojo.svg","width":100,"height":100,"caption":"White & Baos, Abogados & Solicitors"},"image":{"@id":"https:\/\/www.white-baos.com\/fr\/#\/schema\/logo\/image\/"}}]}},"_links":{"self":[{"href":"https:\/\/www.white-baos.com\/fr\/wp-json\/wp\/v2\/categories\/513","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.white-baos.com\/fr\/wp-json\/wp\/v2\/categories"}],"about":[{"href":"https:\/\/www.white-baos.com\/fr\/wp-json\/wp\/v2\/taxonomies\/category"}],"up":[{"embeddable":true,"href":"https:\/\/www.white-baos.com\/fr\/wp-json\/wp\/v2\/categories\/488"}],"wp:post_type":[{"href":"https:\/\/www.white-baos.com\/fr\/wp-json\/wp\/v2\/posts?categories=513"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}