{"id":343,"date":"2019-07-18T10:40:22","date_gmt":"2019-07-18T10:40:22","guid":{"rendered":"https:\/\/annazaragoza.com\/uncategorized-ca\/cuestiones-prejudiciales-del-irph-ante-el-tribunal-de-justicia-europeo\/"},"modified":"2026-09-27T10:25:45","modified_gmt":"2026-09-27T10:25:45","slug":"questions-prejudicials-irph-davant-el-tribunal-justicia-unio-europea","status":"publish","type":"post","link":"https:\/\/annazaragoza.com\/ca\/questions-prejudicials-irph-davant-el-tribunal-justicia-unio-europea\/","title":{"rendered":"Q\u00fcestions prejudicials del IRPH davant el tribunal de just\u00edcia europeu"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>\u00cdndex de refer\u00e8ncia de pr\u00e9stecs hipotecaris (IRPH)<\/strong>&nbsp;\u00e9s un \u00edndex que es fixa per circular del Banc d\u2019Espanya amb car\u00e0cter peri\u00f2dic&nbsp; i que determina l\u2019import &nbsp;de determinats pr\u00e9stecs amb tipus d\u2019inter\u00e8s variable.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En general, el &nbsp;<strong>IRPH&nbsp;<\/strong>sempre \u00e9s superior al &nbsp;<strong>Eur\u00edbor&nbsp;<\/strong>, per la qual cosa molts clients, &nbsp;desconeixedors &nbsp;de la naturalesa de l\u2019\u00edndex esmentat, s\u2019han vist&nbsp; perjudicats per l\u2019inter\u00e8s excessiu dels mateixos. Aquest \u00edndex no recull un tipus &nbsp;d\u2019inter\u00e8s pr\u00f2piament dit , sin\u00f3 que el que fa es fixar una TAE amb interessos i comissions afegits, si be la banca va continuar fent servir el mateix com un \u00edndex amb un tipus d\u2019inter\u00e8s oficial.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les Cl\u00e0usules d\u2019hipoteca referenciades en&nbsp;<strong>IRPH<\/strong>&nbsp;resten incorporades a un alt nombre de contractes d\u2019hipoteques, que ha generat, avui per avui, &nbsp;un gran nombre de procediments judicials sol\u00b7licitant el car\u00e0cter abusiu &nbsp;de l\u2019\u00edndex de refer\u00e8ncia , existint als jutjats espanyols un gran nombre resolucions contradict\u00f2ries entre els diferents partits judicials.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Per aconseguir una postura clara jurisprudencial, es va presentar q\u00fcesti\u00f3 prejudicial davant el Tribunal de Just\u00edcia de la Uni\u00f3 Europea per part del Jutjat&nbsp; Primera Inst\u00e0ncia N\u00famero 38 de Barcelona i la secci\u00f3 cinquena de l\u2019Audi\u00e8ncia Provincial de Palma Mallorca.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Aquestes q\u00fcestions plantejades el 25 de febrer de 2019, planejaven el seg\u00fcent:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Es planteja la q\u00fcesti\u00f3 relativa a la informaci\u00f3 que s\u2019havia d\u2019oferir sobre com es configura el tipus de refer\u00e8ncia i informaci\u00f3 relativa a com pot evolucionar el mencionat tipus de inter\u00e8s en comparaci\u00f3 a altres tipus de inter\u00e8s com el EURIBOR, el qual dev\u00e9 un tipus de inter\u00e8s menys perjudicial pel consumidor com s\u2019ha demostrat.<\/li><li>Altre q\u00fcesti\u00f3 es la relativa a si s\u2019ha d\u2019informar o s\u2019havia d\u2019informar al client que el IRPH caixes es calculava a partir de les dades facilitades per les caixes cada mes, els mencionats&nbsp; imports es quantificaven, amb&nbsp; una mesura&nbsp; que aportaven les pr\u00f2pies caixes amb independ\u00e8ncia del volum de negoci de les mateixes.<\/li><li>Altra q\u00fcesti\u00f3 es la relativa al fet de que el \u00edndex es fixi per una circular d\u2019una entitat publica com es el Banc d\u2019Espanya , es un element suficient per considerar que la mateixa supera el control de transpar\u00e8ncia exigible a totes les cl\u00e0usules contractuals, com hem vist anteriorment aquest \u00edndex el fixen els bancs amb car\u00e0cter mensual, es a dir conv\u00e9 analitzar si es abusiu que la banca , beneficiaria del increments del tipus d\u2019inter\u00e8s sigui ella mateixa qui el fixi.<\/li><li>Tamb\u00e9 es planteja una q\u00fcesti\u00f3 relativa a si la introducci\u00f3 de comissions en la configuraci\u00f3 del IRPH hauria de comportar l\u2019aplicaci\u00f3 d\u2019un diferencial negatiu en el sentit recollit per la circular 5\/94 del Banc d\u2019Espanya.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Es conclou preguntant, quina de les dues conseq\u00fc\u00e8ncies en cas de considerar que el terme&nbsp;<strong>es nul per abusiu,<\/strong>&nbsp;seria la aplicable:<\/p>\n\n\n\n<ol class=\"wp-block-list\"><li>La integraci\u00f3 del contractat, aplicant un \u00edndex substitutori habitual, el EURIBOR, al tractar-se d\u2019un contracte essencialment vinculat a un inter\u00e8s productiu a favor de l\u2019entitat professional.<\/li><li>Deixar d\u2019aplicar el tipus d\u2019inter\u00e8s amb l\u2019\u00fanic deure de tornar el capital prestat en els terminis estipulats per part del prestatari o deutor.<\/li><\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Encara no tenim ni resoluci\u00f3 del&nbsp;<strong>TJUE<\/strong>&nbsp;ni pronunciament de l\u2019Advocat General de la Uni\u00f3 Europea , les conclusions del qual estan previstes pel proper 10 de setembre. Aquestes conclusions permetran avaluar, la evoluci\u00f3 judicial &nbsp;que podr\u00e0 tenir la impugnaci\u00f3 per nul\u00b7litat de les mencionades cl\u00e0usules contractuals, de moment a falta encara de un pronunciament clar en aquesta mat\u00e8ria es recomana esperar al pronunciament definitiu del jutge del&nbsp;<strong>TJUE<\/strong>&nbsp;, si be a tots aquells amb una relaci\u00f3 hipotecaria ja finalitzada, els hi aconsellem que envi\u00efn burofax per evitar que prescrigui l\u2019acci\u00f3 de nul\u00b7litat del mencionat terme contractual , doncs la mateixa seguint els criteris del dret civil prescriu als 4 anys.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c9s interessant destacar, en relaci\u00f3 amb les esmentades prejudicials sobre &nbsp;<strong>IRPH<\/strong>, la recent Llei 5\/2019, de 15 de mar\u00e7, que regula els contractes de cr\u00e8dit immobiliaris, que va entrar en vigor el 16 de juny, estableix en el seu article 21 , que el tipus de inter\u00e8s s\u2019hauran de calcular a cost de mercat i no podran ser susceptibles d\u2019influencia directa per part del propi prestamista de manera directa o indirecta.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Anna Zaragoza Formiga<\/strong><br>S\u00f2cia fundadora AZF ADVOCATS<br><a href=\"https:\/\/www.linkedin.com\/in\/anna-zaragoza-formiga-394837108\/\" target=\"_blank\" rel=\"noreferrer noopener\">Linkedin<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00cdndex de refer\u00e8ncia de pr\u00e9stecs hipotecaris (IRPH)&nbsp;\u00e9s un \u00edndex que es fixa per circular del Banc d\u2019Espanya amb car\u00e0cter peri\u00f2dic&nbsp; i que determina l\u2019import &nbsp;de determinats pr\u00e9stecs amb tipus d\u2019inter\u00e8s variable. En general, el &nbsp;IRPH&nbsp;sempre \u00e9s superior al &nbsp;Eur\u00edbor&nbsp;, per la qual cosa molts clients, &nbsp;desconeixedors &nbsp;de la naturalesa de l\u2019\u00edndex esmentat, s\u2019han vist&nbsp; perjudicats <a href=\"https:\/\/annazaragoza.com\/ca\/questions-prejudicials-irph-davant-el-tribunal-justicia-unio-europea\/\" class=\"more-link\">&#8230;<span class=\"screen-reader-text\">  Q\u00fcestions prejudicials del IRPH davant el tribunal de just\u00edcia europeu<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":158,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[16],"tags":[],"class_list":["post-343","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-litigacion-civil-mercantil-ca"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Q\u00fcestions prejudicials del IRPH davant el tribunal de just\u00edcia europeu - Anna Zaragoza<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/annazaragoza.com\/ca\/questions-prejudicials-irph-davant-el-tribunal-justicia-unio-europea\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Q\u00fcestions prejudicials del IRPH davant el tribunal de just\u00edcia europeu - Anna Zaragoza\" \/>\n<meta property=\"og:description\" content=\"\u00cdndex de refer\u00e8ncia de pr\u00e9stecs hipotecaris (IRPH)&nbsp;\u00e9s un \u00edndex que es fixa per circular del Banc d\u2019Espanya amb car\u00e0cter peri\u00f2dic&nbsp; i que determina l\u2019import &nbsp;de determinats pr\u00e9stecs amb tipus d\u2019inter\u00e8s variable. En general, el &nbsp;IRPH&nbsp;sempre \u00e9s superior al &nbsp;Eur\u00edbor&nbsp;, per la qual cosa molts clients, &nbsp;desconeixedors &nbsp;de la naturalesa de l\u2019\u00edndex esmentat, s\u2019han vist&nbsp; perjudicats ... 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En general, el &nbsp;IRPH&nbsp;sempre \u00e9s superior al &nbsp;Eur\u00edbor&nbsp;, per la qual cosa molts clients, &nbsp;desconeixedors &nbsp;de la naturalesa de l\u2019\u00edndex esmentat, s\u2019han vist&nbsp; perjudicats ... 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