{"id":1982,"date":"2015-06-04T16:57:05","date_gmt":"2015-06-04T16:57:05","guid":{"rendered":"https:\/\/gregorydamy.niceavocats.fr\/?p=1982"},"modified":"2023-08-17T06:55:38","modified_gmt":"2023-08-17T06:55:38","slug":"los-bancos-estan-condenados","status":"publish","type":"post","link":"https:\/\/gregorydamy.niceavocats.fr\/es\/los-bancos-estan-condenados\/","title":{"rendered":"Ilegalidad del c\u00e1lculo del tipo de inter\u00e9s sobre la base del a\u00f1o lombardo"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;section&#8221; _builder_version=&#8221;4.19.5&#8243; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||0px||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;1_3,1_3,1_3&#8243; _builder_version=&#8221;4.19.5&#8243; _module_preset=&#8221;default&#8221; background_enable_mask_style=&#8221;on&#8221; background_mask_style=&#8221;wave&#8221; background_mask_color=&#8221;rgba(0,0,0,0.08)&#8221; custom_padding=&#8221;||6px|||&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.19.5&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.19.5&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.19.5&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_circle_counter title=&#8221;Tiempo estimado de lectura (en minutos)&#8221; number=&#8221;4&#8243; percent_sign=&#8221;off&#8221; _builder_version=&#8221;4.19.5&#8243; _module_preset=&#8221;default&#8221; title_font=&#8221;Amiri||||||||&#8221; max_width=&#8221;137px&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_circle_counter][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.19.5&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.19.5&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_divider _builder_version=&#8221;4.19.5&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][et_pb_image src=&#8221;https:\/\/gregorydamy.niceavocats.fr\/wp-content\/uploads\/2008\/06\/laptops-593296_1280-2.jpg&#8221; title_text=&#8221;laptops-593296_1280-2&#8243; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row admin_label=&#8221;row&#8221; _builder_version=&#8221;4.16&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text admin_label=&#8221;Text&#8221; _builder_version=&#8221;4.21.0&#8243; text_font=&#8221;Amiri||||||||&#8221; header_2_font=&#8221;Amiri||||||||&#8221; header_3_font=&#8221;Amiri||||||||&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p><span class=\"\"><span>En los t\u00e9rminos de una sentencia dictada el 19 de junio de 2013, la primera sala civil de la\u00a0<\/span><a href=\"https:\/\/www.courdecassation.fr\/\"><span>Corte de Casaci\u00f3n<\/span><\/a><span>\u00a0(recurso n\u00fam. 12-16.651) resolvi\u00f3 que &#8220;la tasa de inter\u00e9s convencional mencionada por escrito en la escritura de pr\u00e9stamo otorgada a un consumidor o un no profesional debe, al igual que el tipo efectivo global, so pena de ver sustituido el inter\u00e9s legal, calcularse sobre la base del\u00a0\u00a0<\/span><\/span><span class=\"\"><span>a\u00f1o natural\u00a0<\/span><\/span><span class=\"\"><span>\u00a0\u201d.<\/span><\/span><\/p>\n<p><span>Seg\u00fan esta decisi\u00f3n, cuando el inter\u00e9s se calcule sobre 360 \u200b\u200bd\u00edas en lugar de sobre el a\u00f1o natural, deber\u00e1 declararse la nulidad de la cl\u00e1usula de inter\u00e9s y sustituirse el inter\u00e9s a la tasa contractual por el inter\u00e9s a la tasa legal.\u00a0.\u00a0.<\/span><\/p>\n<p><span class=\"VIpgJd-yAWNEb-VIpgJd-fmcmS-sn54Q\"><span>Se trata de muchos pr\u00e9stamos, varios bancos calculan sus intereses durante 360 \u200b\u200bd\u00edas de forma sistem\u00e1tica.<\/span><\/span><\/p>\n<p><span>Without embargo, whenever this is expedient to the tribunals, can a problem arise, as is the prescription, whenever the delay is due more than five years.<\/span><br \/><span>Adem\u00e1s, with veces is planted the problem of if the mera presence en el contrato de pr\u00e9stamo de una disposici\u00f3n that indicates that los intereses is calculated sober 360 d\u00edas es suficiente para invalidar la cl\u00e1usula de intereses.<\/span><\/p>\n<h2><span>El juice:-<\/span><\/h2>\n<p><span>The sentence issued on April 2, 2015 by sala 16 of the Corte de Apelaciones de Versalles (RG N\u00b0 13\/08484) is particularly interesting since it was found to be very favorable to the provider in ambos casos.<\/span><br \/><span>In this case, the Bank had made a borrower take out a home loan with the following clause:<\/span><br \/><span>&#8220;interest accrued between two maturities will be calculated on the basis of 360 days, each month being counted for 30 days carried over to 360 days anually.\u00a0In case of anticipated amortization, the interested parties devengados desde el \u00faltimo vencimiento will be calculated on the base of the exact number of d\u00edas del plazo transcurrido, deferred a 360 d\u00edas por a\u00f1o.Precisamos que la tasa efectiva global de los pr\u00e9stamos se indica sur la base del monto exacto de los intereses diferidos los 365 d\u00edas del a\u00f1o\u201d.<\/span><\/p>\n<p><span>Posteriormente, el Banco demand\u00f3 al prestatario por el reembolso de este pr\u00e9stamo.<\/span><br \/><span>Este \u00faltimo hab\u00eda planteado la nulidad de la cl\u00e1usula de inter\u00e9s por la presencia de esta cl\u00e1usula.<\/span><br \/><span>El Banco hab\u00eda argumentado que esta solicitud de nulidad de la cl\u00e1usula de intereses estaba extempor\u00e1nea porque el pr\u00e9stamo ten\u00eda m\u00e1s de cinco a\u00f1os.<\/span><\/p>\n<h1><span>El Tribunal de Apelaci\u00f3n de Versalles especifica: &#8211;<\/span><\/h1>\n<p><span>El Tribunal de Apelaci\u00f3n de Versailles specified, in su sentencia, that &#8220;el pr\u00e9stamo inmobiliario litigioso constituye un pr\u00e9stamo desprovisto de car\u00e1cter profesional y concedido por un profesional a dos compradores consumidores indivisos, el plazo de prescription de la acci\u00f3n de nullidad del inter\u00e9s estipulado no corre from the celebration of the contract or the day of the acceptance of the offer seg\u00fan el matasellos aut\u00e9ntico, sino desde la fecha en que el provider\u00a0tuvo\u00a0conocimiento de la irregularidad.\u00a0la fecha del contrato, el provider no professional debe haber podido comprobar por s\u00ed mismo, al leer el acta, el error.<\/span><\/p>\n<p><span>No obstante, the contractual clause that appeared in el punto 2 de las condiciones generales de la offer de pr\u00e9stamo, seg\u00fan la cual &#8220;Todas las cantidades adeudadas en virtud de un pr\u00e9stamo, en particular cualquier comisi\u00f3n o contribuci\u00f3n&#8230; los intereses devengados entre dos vencimientos se calcular\u00e1n on the base of 360 d\u00edas, cont\u00e1ndose cada mes por 30 d\u00edas arrastrados on the base of 360 d\u00edas en el a\u00f1o.\u00a0los 360 d\u00edas del a\u00f1o\u201d.<\/span><br \/><span>Observe that the tasa efectiva global de los pr\u00e9stamos se indica sobre la base de l&#8217;importe exacto de los interested registrados los 365 d\u00edas del a\u00f1o, no parece accesible debido a la ambiguudad de sus t\u00e9rminos, relacionados tanto con la tasa nominal como con la tasa laboral global .\u00a0trabajo, has a secular consumer;\u00a0This is ultimately not in conditions of understanding, of its reading, the impact of the costs of endeudamiento of this specific stipulation, that opera a distinction that may parecer obscure between the tasa nominal and the tasa de inter\u00e9s efectiva global.<\/span><\/p>\n<p><span>Por tanto, el Tribunal considera que la demanda no ha prescrito, ya que la cl\u00e1usula impugnada no es accesible, por la ambig\u00fcedad de sus t\u00e9rminos, a un consumidor lego.<\/span><br \/><span>Tambi\u00e9n recuerda que &#8220;en virtud del art\u00edculo L 313-1 del C\u00f3digo Monetario y Financiero, la tasa legal se fija para un a\u00f1o natural, y que el art\u00edculo R 313-1 del C\u00f3digo del Consumidor especifica que &#8220;un a\u00f1o natural tiene 365 d\u00edas o para a\u00f1os bisiestos, 366 d\u00edas\u201d.<\/span><br \/><span>El Tribunal precis\u00f3 que &#8220;cuando un tipo de inter\u00e9s no se calcula sobre un a\u00f1o natural si se calcula expresamente sobre 360 \u200b\u200bd\u00edas, como ocurre en el presente caso, resulta de la simple aplicaci\u00f3n de los textos vigentes, que el tipo de inter\u00e9s nominal anual contractual no est\u00e9 v\u00e1lidamente estipulado en el contrato de pr\u00e9stamo hipotecario.\u201d<\/span><br \/><span class=\"\"><span>Declara, por tanto, la nulidad de la cl\u00e1usula de inter\u00e9s.<\/span><\/span><br \/><span class=\"\"><span><span class=\"VIpgJd-yAWNEb-VIpgJd-fmcmS-sn54Q\">A la vista de esta decisi\u00f3n, parece, por un lado, que la mera menci\u00f3n del c\u00f3mputo de intereses sobre 360 \u200b\u200bd\u00edas es suficiente para implicar la nulidad de la cl\u00e1usula de inter\u00e9s y, por otro lado, que esta nulidad puede ser invocada, por un no profesional, m\u00e1s de cinco a\u00f1os despu\u00e9s de haber tomado el pr\u00e9stamo en presencia de una cl\u00e1usula ambigua como la que figura en el contrato de pr\u00e9stamo en disputa.<\/span><\/span><\/span><\/p>\n<p><span>Sin embargo, resulta que una cl\u00e1usula id\u00e9ntica aparece en much\u00edsimos\u00a0\u00a0<\/span><span>contratos de pr\u00e9stamo\u00a0<\/span><span>\u00a0&#8230;<\/span><\/p>\n<p><a href=\"https:\/\/gregorydamy.niceavocats.fr\/\"><span>Bufete de abogados DAMY<\/span><\/a><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.19.5&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.19.5&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_divider _builder_version=&#8221;4.19.5&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>En los t\u00e9rminos de una sentencia dictada el 19 de junio de 2013, la primera sala civil de la\u00a0Corte de Casaci\u00f3n\u00a0(recurso n\u00fam. 12-16.651) resolvi\u00f3 que &#8220;la tasa de inter\u00e9s convencional mencionada por escrito en la escritura de pr\u00e9stamo otorgada a un consumidor o un no profesional debe, al igual que el tipo efectivo global, so [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[334],"tags":[],"class_list":["post-1982","post","type-post","status-publish","format-standard","hentry","category-derecho-bancario"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Ilegalidad del c\u00e1lculo del tipo de inter\u00e9s sobre la base del a\u00f1o lombardo - Soci\u00e9t\u00e9 d&#039;avocats Damy<\/title>\n<meta name=\"description\" content=\"Los bancos est\u00e1n condenados Seg\u00fan sentencia dictada el 19 de junio de 2013, la Primera Sala Civil de la Corte de Casaci\u00f3n\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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