{"id":7065,"date":"2017-01-11T19:05:10","date_gmt":"2017-01-11T19:05:10","guid":{"rendered":"https:\/\/www.white-baos.com\/clause-sol-le-tjue-oblige-les-banques-a-rembourser-ce-qui-a-ete-indument-paye-depuis-le-debut-des-contrats\/"},"modified":"2020-09-10T07:25:35","modified_gmt":"2020-09-10T07:25:35","slug":"clause-sol-le-tjue-oblige-les-banques-a-rembourser-ce-qui-a-ete-indument-paye-depuis-le-debut-des-contrats","status":"publish","type":"post","link":"https:\/\/www.white-baos.com\/fr\/clause-sol-le-tjue-oblige-les-banques-a-rembourser-ce-qui-a-ete-indument-paye-depuis-le-debut-des-contrats\/","title":{"rendered":"Clause Sol : Le TJUE oblige les banques \u00e0 rembourser ce qui a \u00e9t\u00e9 ind\u00fbment pay\u00e9 depuis le d\u00e9but des contrats."},"content":{"rendered":"<p style=\"text-align: justify;\">Le jugement du Tribunal de Justice de l&rsquo;Union Europ&eacute;enne du 21 d&eacute;cembre 2016 (EDJ 2016\/226005), on calcule que cela supposera un surco&ucirc;t aux banques espagnoles d&rsquo;entre 3.000&euro; et 5.000&euro;, tout cela d&eacute;pendant du nombre de consommateurs affect&eacute;s qui r&eacute;clament finalement leurs droits, et la nullit&eacute; de leur clause sol ou de la limitation &agrave; la variation des int&eacute;r&ecirc;ts.<\/p>\n<p style=\"text-align: justify;\">Comme les lecteurs le savent, les clauses sol sont celles qui furent ins&eacute;r&eacute;es par de nombreuses banques espagnoles dans leurs pr&ecirc;ts hypoth&eacute;caires et par lesquelles, malgr&eacute; qu&rsquo;un int&eacute;r&ecirc;t variable ait &eacute;t&eacute; apparemment n&eacute;goci&eacute;, par exemple l&rsquo;Euribor + 1%, ensuite il &eacute;tait &eacute;tabli qu&rsquo;en aucun cas l&rsquo;int&eacute;r&ecirc;t final &agrave; payer serait inf&eacute;rieur par exemple de 3,5%, le sol &eacute;tant de 3,5%.<\/p>\n<p style=\"text-align: justify;\">Cette limitation &agrave; la variabilit&eacute; de l&rsquo;int&eacute;r&ecirc;t de l&rsquo;hypoth&egrave;que suppose actuellement quand les taux d&rsquo;int&eacute;r&ecirc;t sont tr&egrave;s bas, un pr&eacute;judice tr&egrave;s important pour les consommateurs, qui n&rsquo;ont normalement pas &eacute;t&eacute; suffisamment inform&eacute;s par les banques, des cons&eacute;quences que ce genre de clauses pourrait supposer &agrave; la longue.<\/p>\n<p style=\"text-align: justify;\">La Cour Supr&ecirc;me espagnol (CS) a d&eacute;clar&eacute; la nullit&eacute; de ces clauses lorsque l&rsquo;information donn&eacute;e aux consommateurs n&rsquo;aurait pas &eacute;t&eacute; suffisante. Mais elle a signal&eacute; que le remboursement de ce qui a &eacute;t&eacute; ind&ucirc;ment per&ccedil;u, c&rsquo;est-&agrave;-dire que les effets de la nullit&eacute; pourraient uniquement &ecirc;tre r&eacute;clam&eacute;s depuis le 9 mai 2013, quand la Cour Supr&ecirc;me a rendu son jugement.<\/p>\n<p style=\"text-align: justify;\">Maintenant, le TJUE a signal&eacute; que cette limitation temporaire, aux effets de la d&eacute;claration de nullit&eacute; des clauses sol, est contraire au droit de l&rsquo;Union Europ&eacute;enne et plus contrairement &agrave; l&rsquo;article 6 de la directive 93\/13. Par cons&eacute;quent, une clause sol d&eacute;clar&eacute;e comme nulle doit &ecirc;tre consid&eacute;r&eacute;e comme si elle n&rsquo;avait jamais exist&eacute;, et par cons&eacute;quent on pourra r&eacute;clamer le remboursement des int&eacute;r&ecirc;ts ind&ucirc;ment pay&eacute;s, etc., depuis le d&eacute;but du contrat, et pas seulement depuis la date signal&eacute;e par le haut tribunal espagnol.<\/p>\n<p style=\"text-align: justify;\">En outre, le TJUE signale que la limitation temporaire fix&eacute;e par la CS supposait une protection insuffisante et incompl&egrave;te pour les consommateurs, et par cons&eacute;quent elle n&rsquo;&eacute;tait ni ad&eacute;quate ni ajust&eacute;e au droit europ&eacute;en, en signalant de plus que cela supposait une interpr&eacute;tation du droit de l&rsquo;Union Europ&eacute;enne, puisque cela limite les effets de la nullit&eacute; de la clause abusive, ce que seulement le TJUE est autoris&eacute; &agrave; faire, et non aux tribunaux nationaux.<\/p>\n<p style=\"text-align: justify;\">Par cons&eacute;quent, on doit comprendre, comme nous l&rsquo;avons d&eacute;fendu la plupart des juristes espagnols, qu&rsquo;<strong>une clause contractuelle d&eacute;clar&eacute;e abusive est consid&eacute;r&eacute;e comme n&rsquo;ayant jamais exist&eacute;.<\/strong> Les lecteurs doivent se rappeler que le jugement du TJUE lie les tribunaux et cours espagnols.<\/p>\n<p style=\"text-align: justify;\"><strong>Ainsi, les personnes affect&eacute;es par une clause sol auront le droit au remboursement des int&eacute;r&ecirc;ts ind&ucirc;ment pay&eacute;s, ainsi qu&rsquo;au recalcul des tableaux d&rsquo;amortissement et du capital restant &agrave; verser de leurs hypoth&egrave;ques, <span style=\"text-decoration: underline;\">depuis le d&eacute;but de leurs pr&ecirc;ts hypoth&eacute;caires.<\/span><\/strong><\/p>\n<p style=\"text-align: justify;\">&nbsp;<\/p>\n<p style=\"text-align: justify;\"><strong><span style=\"text-decoration: underline;\">Si vous avez des doutes concernant la clause sol, contactez-nous, nous sommes experts en la mati&egrave;re, et nous vous aiderons.<\/span><\/strong><\/p>\n<p style=\"text-align: justify;\">&nbsp;<\/p>\n<p style=\"text-align: justify;\"><em>L&rsquo;information fournie dans cet article ne pr&eacute;tend pas &ecirc;tre un conseil l&eacute;gal, elle transmet simplement l&rsquo;information li&eacute;e aux sujets l&eacute;gaux.<\/em><\/p>\n<p style=\"text-align: justify;\">&nbsp;<\/p>\n<p style=\"text-align: justify;\">Carlos Baos (Avocat)<\/p>\n<p style=\"text-align: justify;\">White &amp; Baos Avocats<\/p>\n<p style=\"text-align: justify;\">T&eacute;l. : 0034 96 642 61 85<\/p>\n<p style=\"text-align: justify;\">e-mail : <a href=\"mailto:info@white-baos.com\">info@white-baos.com<\/a><\/p>\n<p style=\"text-align: justify;\">White &amp; Baos 2016 &ndash; Tous droits r&eacute;serv&eacute;s<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Le jugement du Tribunal de Justice de l&rsquo;Union Europ&eacute;enne du 21 d&eacute;cembre 2016 (EDJ 2016\/226005), on calcule que cela supposera un surco&ucirc;t aux banques espagnoles d&rsquo;entre 3.000&euro; et 5.000&euro;, tout cela d&eacute;pendant du nombre de consommateurs affect&eacute;s qui r&eacute;clament finalement leurs droits, et la nullit&eacute; de leur clause sol ou de la limitation &agrave; la [&#8230;]<\/p>\n<p><a class=\"btn btn-primary understrap-read-more-link\" href=\"https:\/\/www.white-baos.com\/fr\/clause-sol-le-tjue-oblige-les-banques-a-rembourser-ce-qui-a-ete-indument-paye-depuis-le-debut-des-contrats\/\">Lire la suite&#8230;<\/a><\/p>\n","protected":false},"author":2,"featured_media":802,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_crdt_document":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[488,513],"tags":[],"class_list":["post-7065","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","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"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Clause Sol et limitation int\u00e9r\u00eats. 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