{"id":11151,"date":"2021-08-03T18:44:19","date_gmt":"2021-08-03T16:44:19","guid":{"rendered":"https:\/\/www.white-baos.com\/?p=11151"},"modified":"2021-08-03T18:44:24","modified_gmt":"2021-08-03T16:44:24","slug":"nullite-de-lirph-clause-appliquant-le-dernier-taux-revise","status":"publish","type":"post","link":"https:\/\/www.white-baos.com\/fr\/nullite-de-lirph-clause-appliquant-le-dernier-taux-revise\/","title":{"rendered":"Clause IRPH du pr\u00eat hypoth\u00e9caire d\u00e9clar\u00e9e nulle r\u00e9f\u00e9renc\u00e9e sur un taux fixe et non pas sur l\u2019IRPH de l\u2019ensemble des entit\u00e9s."},"content":{"rendered":"\n

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Nous allons aborder dans cet article la nullit\u00e9 de l\u2019IRPH dans les pr\u00eats\u00a0contraires \u00e0 la loi 14\/2013. M\u00eame si la plupart des tribunaux n\u2019accorde pas pour l\u2019instant la nullit\u00e9 de l\u2019IRPH, il y a une clause IRPH qui elle est d\u00e9clar\u00e9e nulle par la justice.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Approche juridique<\/u><\/strong><\/h2>\n\n\n\n

La loi 14\/2013 des entrepreneurs a supprim\u00e9 certains indices de r\u00e9f\u00e9rence d\u2019int\u00e9r\u00eats. Ainsi, elle a supprim\u00e9 l\u2019IRPH des banques et l\u2019IRPH des caisses d\u2019\u00e9pargne, accordant qu\u2019il soit remplac\u00e9 par le d\u00e9nomm\u00e9 IRPH de l\u2019ensemble des entit\u00e9s :<\/p>\n\n\n\n

Le taux moyen des pr\u00eats hypoth\u00e9caires d\u2019une dur\u00e9e sup\u00e9rieure \u00e0 trois ann\u00e9es, visant \u00e0 l\u2019acquisition d\u2019un logement dont le prix est librement fix\u00e9, accord\u00e9s par l\u2019ensemble des entit\u00e9s de cr\u00e9dit en Espagne.<\/em>\u00a0<\/p>\n\n\n\n

<\/p>\n\n\n\n

Nullit\u00e9 de la clause IRPH dans certains cas<\/u><\/strong><\/h2>\n\n\n\n

Certains pr\u00eats hypoth\u00e9caires avaient une clause d\u2019int\u00e9r\u00eats r\u00e9f\u00e9renc\u00e9s \u00e0 ces IRPH des banques ou des caisses d\u2019\u00e9pargne d\u00e9j\u00e0 disparues. Enfin, ils indiquaient que si ce taux disparaissait, le pr\u00eat serait r\u00e9gi \u00e0 partir de ce moment par le dernier taux calcul\u00e9.<\/p>\n\n\n\n

Mais ces pr\u00eats sont contraires \u00e0 la loi de 2013 ci-dessus mentionn\u00e9e. Car, puisque l\u2019IRPH de banques et caisses d\u2019\u00e9pargne a disparu, ils auraient d\u00fb \u00eatre r\u00e9f\u00e9renc\u00e9s sur l\u2019IRPH de l\u2019ensemble des entit\u00e9s, ou le cas \u00e9ch\u00e9ant, sur l\u2019Euribor s\u2019il en \u00e9tait ainsi convenu dans le pr\u00eat. <\/p>\n\n\n\n

Mais la banque estime fixer une clause pour appliquer le dernier taux qui aurait pu \u00eatre calcul\u00e9.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Exemple typique de clause de IRPH nulle.<\/u><\/strong><\/h2>\n\n\n\n

Les pr\u00eats qui indiquent ce qui suit en sont l\u2019exemple typique :<\/p>\n\n\n\n

Premi\u00e8rement, le taux serait calcul\u00e9 selon l\u2019IRPH des banques.<\/p>\n\n\n\n

Deuxi\u00e8mement, si l\u2019IRPH des banques disparaissait (ce qui est arriv\u00e9 en 2013), c\u2019est l\u2019IRPH des caisses d\u2019\u00e9pargne qui serait appliqu\u00e9. Il a \u00e9galement disparu.<\/p>\n\n\n\n

Enfin, si les deux indices pr\u00e9c\u00e9dents arrivaient \u00e0 dispara\u00eetre, on appliquerait le dernier taux calcul\u00e9.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Raison de la nullit\u00e9 de ce type de clause IRPH<\/u><\/strong><\/h2>\n\n\n\n

Ce type de clauses IRPH est en train d\u2019\u00eatre d\u00e9clar\u00e9 nul, et les raisons sont les suivantes :<\/p>\n\n\n\n

1.- Il s\u2019agit de contrats o\u00f9, au lieu de remplacer l\u2019IRPH des caisses d\u2019\u00e9pargne et des banques, par celui indiqu\u00e9 dans la loi, on le remplace par un autre taux. Par cons\u00e9quent, il n\u2019est pas conforme \u00e0 la loi.<\/p>\n\n\n\n

2.-De plus, comme les IRPH ont disparu, on applique le dernier taux de la derni\u00e8re r\u00e9vision avant la disparition en 2013. Cela signifie qu\u2019il devient un pr\u00eat \u00e0 taux fixe, ce qui va \u00e0 l\u2019encontre de la volont\u00e9 et de la nature du contrat, car initialement il s\u2019agissait d\u2019un pr\u00eat \u00e0 taux variable.<\/p>\n\n\n\n

<\/p>\n\n\n\n

\u00a0Jurisprudence ( Nullit\u00e9 de l\u2019IRPH<\/u><\/strong>)<\/h2>\n\n\n\n

Le Tribunal provincial d\u2019Alicante\/Alacant\u00a0Section 8, indique dans son arr\u00eat\u00a0918\/2020 <\/strong>qu\u2019en plus des arguments signal\u00e9s, la propre clause\u00a0n\u2019est pas transparente, puisqu\u2019en cas de disparition des indices IRPH, le pr\u00eat devient fixe sans que le consommateur soit suffisamment inform\u00e9 des cons\u00e9quences.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Cons\u00e9quence l\u00e9gale de la nullit\u00e9 de ce type de clause IRPH.<\/u><\/strong><\/h2>\n\n\n\n

Voici la cons\u00e9quence l\u00e9gale de la nullit\u00e9 de ce type de clauses IRPH :<\/p>\n\n\n\n

-. Appliquer l\u2019IRPH de l\u2019ensemble des entit\u00e9s, selon la Loi 14\/2013, et non pas le dernier type de taux calcul\u00e9.<\/p>\n\n\n\n

.- Recalculer le tableau d\u2019amortissement et restituer le trop pay\u00e9.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Si vous souhaitez des renseignements \u00e0 propos de r\u00e9clamations bancaires<\/a>, contactez-nous.<\/a><\/p>\n\n\n\n

<\/p>\n\n\n\n

Facebook.<\/a><\/p>\n\n\n\n

<\/p>\n\n\n\n

L\u2019information fournie dans cet article ne pr\u00e9tend pas \u00eatre un conseil l\u00e9gal ; il transmet simplement des renseignements d\u2019ordre g\u00e9n\u00e9ral sur des questions juridiques.<\/p>\n\n\n\n

Carlos Baos (Avocat)<\/p>\n\n\n\n

White & Baos.<\/p>\n\n\n\n

T\u00e9l : +34 966 426 185<\/p>\n\n\n\n

E-mail : info@white-baos.com<\/p>\n\n\n\n

White & Baos 2021 – Tous les droits r\u00e9serv\u00e9s.<\/p>\n","protected":false},"excerpt":{"rendered":"

Nullit\u00e9 de l\u2019IRPH. Clause appliquant le dernier taux r\u00e9vis\u00e9. […]<\/p>\n

Lire la suite…<\/a><\/p>\n","protected":false},"author":2,"featured_media":11145,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[517,488,513],"tags":[1028,1259,1258],"class_list":["post-11151","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-droit-bancaire-espagnol-recours-contre-des-etablissements-bancaires-pour-la-vente-de-participations-preferentielles-et-de-produits-financiers-complexes","category-judiciaire-droit-civil-consommateurs-et-usagers-judiciaire-immobilier-defauts-de-construction-resolution-de-contrats-expulsions-copropriete-etc","category-legalite-ou-illegalite-des-clauses-sols-dans-les-hypotheques-interet-minimum-demande-contre-les-banques-interets-debites-indument-demande","tag-droit-bancaire","tag-nullite-irph","tag-reclamation-banque"],"yoast_head":"\nNullit\u00e9 de l\u2019IRPH. 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