El Auto del Tribunal Supremo del 16 de junio de 2021 consolida la posibilidad que las empresas y profesionales puedan solicitar la anulación de la “cláusulas suelo” de sus préstamos hipotecarios, dicha nulidad hasta ahora solo estaban suscritos los consumidores o particulares; pero no las empresas, ni profesionales, que se entendía con capacidad suficiente para comprender todo el contrato financiero y no se diera la condición de cláusula abusiva.
Las cláusulas suelos, no siempre son abusivas
Debemos recordar que la cláusula suelo, en sí misma no es objeto de anulación, si la entidad financiera lo ha explicado de forma clara y fehaciente y solo será considerada cláusula abusiva cuando no se ha dado estos supuestos y se ha escondido la misma dentro del un clausulado extenso.
La falta de información provoca la nulidad de las cláusulas suelos por abuso
El auto del Tribunal Supremo ha inadmitido el recurso de casación interpuesto por la entidad financiera Caja Laboral Popular contra la Sentencia nº 579/2018, de 25 de octubre, dictada por la Audiencia Provincial de Álava, que había dado la razón a los clientes “no consumidores” una zapatería, a quienes el banco impuso sin conocimiento suficiente una cláusula de limitación a la variación del tipo de interés en el préstamo suscrito para la financiación de su negocio, indicando el auto que “Caja Laboral debió informar a los clientes de que se incorporaba una cláusula que limitaba la bajada del tipo de interés. Tras analizar la prueba practicada, la Sala concluye que no se dio esta información a los actores”.
Una puerta abierta a profesionales y empresas para la nulidad de las cláusulas suelos abusivas
Este nuevo auto del Tribunal Supremo ha abierto la puerta a la posibilidad de anular las cláusulas suelo consideradas como abusivas (por falta de conocimiento o información fehaciente) insertadas en los contratos de préstamo hipotecario cuando el prestatario es una empresa o un profesional. Dicha nulidad por falta de información fehaciente, parecía que iba dirigida exclusivamente clientes bancarios que ostentasen la condición de consumidores, en base al principio del “control de abusividad en los contratos”.
Conocimiento financiero del cliente bancario, con independencia si es consumidor, profesional o empresa
Destacamos como primer argumento, refrendado en el auto del Tribunal Supremo del 16 de junio de 2021, en base a las Sentencias del 3 de junio de 2016 y del 18 de enero de 2017, basado en la doctrina del ”necesario respeto a la buena fe contractual y el justo equilibrio en las prestaciones, para evitar situaciones de abuso contractual, que permite considerar nulas -con independencia de la condición o no de consumidor del adherente- aquellas cláusulas que supongan un abuso de la posición contractual dominante del banco y generen un desequilibrio en la posición del adherente, sea o no consumidor, alterando la legítima expectativa que tenía dicho adherente sobre lo que contrataba pero que, precisamente por esa imposición, predisposición y falta de negociación e información clara al respecto, no pudo conocer realmente sus consecuencias y efectos”.
Hay que analizar el conocimiento del cliente bancario, de materia financiera, con independencia de si es un consumidor particular, una empresa o un profesional para determinar, en cada caso, el nivel de desventaja en que se encontraba respecto del banco que impuso la cláusula y por tanto considerar su abusividad o no.
Control de incorporación y gramatical, claves de abusividad en las cláusulas suelo
Como segundo argumento, se apunta la posible declaración de nulidad de una cláusula suelo suscrita por un profesional o empresa, tomando como base el denominado “control gramatical” o “control de incorporación” de la cláusula en el contrato, con arreglo a los arts. 5 y 7 de la Ley de Condiciones Generales de la Contratación. Así lo declaro las Sentencias del Tribunal Supremo nº 57/2019, de 25 de enero 2019 y la nº 168/2020, de 11 de marzo 2020. En dichas sentencias se consideraron las cláusulas suelo abusivas, en aquellos casos no superaban el control de incorporación “porque los adherentes no tuvieron la posibilidad real de conocer siquiera la propia existencia de la cláusula en el momento de prestar su consentimiento contractual”.
Para analizar el control gramatical y si la posibilidad de conocimiento existió o no, deberemos tener en cuenta los siguientes elementos: Modo de inclusión de la cláusula en la escritura de préstamo, el tenor literal de la misma, su extensión, así como la entrega o no de información precontractual antes de la firma.
La jurisprudencia del tribunal supremo abre las puertas a empresas y profesionales
En resumen, la progresiva jurisprudencia de nuestro Tribunal Supremo está siendo tomada en cuenta por los Juzgados y Audiencias Provinciales de toda España y consolidando el hecho de que ser una empresa o un profesional, no tiene que implicar un conocimiento financiero o una información fehaciente clara que impida interpretar las cláusulas suelos como abusivas.
FUENTE: INMO NEWS (Álvaro Conde Alonso – Economista Liberal – CEO Digital)
IMAGEN: DE LA MORENA ABOGADOS
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# Harvard University: A Legacy of Excellence and Innovation
## A Brief History of Harvard University
Founded in 1636, **Harvard University** is the oldest and one of
the most prestigious higher education institutions in the United States.
Located in Cambridge, Massachusetts, Harvard has
built a global reputation for academic excellence, groundbreaking research, and influential alumni.
From its humble beginnings as a small college established to educate clergy, it has evolved into a world-leading university that shapes the
future across various disciplines.
## Harvard’s Impact on Education and Research
Harvard is synonymous with **innovation and intellectual leadership**.
The university boasts:
– **12 degree-granting schools**, including the renowned **Harvard Business School**, **Harvard Law
School**, and **Harvard Medical School**.
– **A faculty of world-class scholars**, many of whom are Nobel
laureates, Pulitzer Prize winners, and pioneers in their fields.
– **Cutting-edge research**, with Harvard leading initiatives in artificial intelligence,
public health, climate change, and more.
Harvard’s contribution to research is immense, with billions of dollars allocated to
scientific discoveries and technological advancements each year.
## Notable Alumni: The Leaders of Today and Tomorrow
Harvard has produced some of the **most influential figures** in history,
spanning politics, business, entertainment, and science.
Among them are:
– **Barack Obama & John F. Kennedy** – Former U.S.
Presidents
– **Mark Zuckerberg & Bill Gates** – Tech visionaries (though Gates did not
graduate)
– **Natalie Portman & Matt Damon** – Hollywood
icons
– **Malala Yousafzai** – Nobel Prize-winning activist
The university continues to cultivate future leaders who shape industries and drive
global progress.
## Harvard’s Stunning Campus and Iconic Library
Harvard’s campus is a blend of **historical charm and modern innovation**.
With over **200 buildings**, it features:
– The **Harvard Yard**, home to the iconic **John Harvard
Statue** (and the famous “three lies” legend).
– The **Widener Library**, one of the largest university libraries in the
world, housing **over 20 million volumes**.
– State-of-the-art research centers, museums, and performing arts venues.
## Harvard Traditions and Student Life
Harvard offers a **rich student experience**, blending academics with vibrant
traditions, including:
– **Housing system:** Students live in one of 12 residential houses, fostering a strong sense of community.
– **Annual Primal Scream:** A unique tradition where students de-stress by running through Harvard Yard before
finals!
– **The Harvard-Yale Game:** A historic football rivalry
that unites alumni and students.
With over **450 student organizations**, Harvard
students engage in a diverse range of extracurricular activities, from entrepreneurship to performing
arts.
## Harvard’s Global Influence
Beyond academics, Harvard drives change in **global policy, economics, and technology**.
The university’s research impacts healthcare, sustainability,
and artificial intelligence, with partnerships across industries worldwide.
**Harvard’s endowment**, the largest of any university, allows it to fund scholarships, research, and public
initiatives, ensuring a legacy of impact for generations.
## Conclusion
Harvard University is more than just a school—it’s a **symbol of excellence,
innovation, and leadership**. Its **centuries-old
traditions, groundbreaking discoveries, and
transformative education** make it one of the most influential institutions in the world.
Whether through its distinguished alumni, pioneering research, or vibrant student life, Harvard continues to shape
the future in profound ways.
Would you like to join the ranks of Harvard’s legendary scholars?
The journey starts with a dream—and an application!
https://www.harvard.edu/
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В современных азартных заведениях привлечение новых клиентов часто осуществляется через специальные акции.
Одним из наиболее привлекательных предложений являются бездепозитные вращения, позволяющие игрокам испытать удовольствие
от игр без начальных вложений.
Эти бонусы открывают возможности для
знакомства с ассортиментом и увеличивают шансы
на выигрыш без риска собственных финансов.
Чтобы воспользоваться подобными акциями, важно обратить внимание на несколько ключевых
моментов. Сначала необходимо создать учетную запись на платформе, следуя простым шагам на
сайте. Обычно потребуется указать электронный адрес,
придумать крепкий пароль и заполнить некоторые персональные данные.
Как правило, проверки документации не требуется, что значительно упрощает процесс.
Кроме того, стоит исследовать условия,
прикрепленные к предложениям.
Множество онлайн-заведений добавляют свои требования к ставкам и временным
ограничениям на использование бездепозитных бонусов.
Обратив внимание на эти детали, игрок сможет избежать недоразумений
и насладиться игровым процессом.
Не забывайте изучать программу лояльности,
так как она предоставляет дополнительные привилегии как новым, так и
постоянным участникам. Чем активнее вы играете, тем
больше привилегий получите
в будущем. Поэтому важно не только сосредоточиться на получения бесплатных вращений, но
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Условия получения бонусных вращений
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вращениям, должен учесть определенные требования.
Прежде всего, необходимо зарегистрироваться на
платформе, предоставляющей данный промо-раздел.
Подтверждение учетной записи также играет важную роль: обычно это подразумевает проверку электронной почты или номера телефона.
Обратите внимание и на сроки использования
подарочных вращений. Они могут быть доступны ограниченное время,
например, в течение 7 или 30 дней с момента активации бонуса.
Пропуск этого термин сделает бонус недействительным.
Не лишним будет изучить и правила ставок.
В большинстве случаев выигрыши
от таких вращений должны быть
отыграны с наложением множителя, который может составлять от 20
до 50 раз. Данные параметры могут значительно понижать шансы на успешное получение средств с бонуса.
Также некоторые игры могут быть исключены из списка, что стоит
учитывать при выборе.
Важно помнить, что каждая платформа имеет уникальные условия
для предоставления акций. Ознакомьтесь с актуальными предложениями, чтобы
не упустить возможность воспользоваться всеми доступными бонусами.
Сроки и ограничения
При активации бонусов в виде бесплатных
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Промедление с использованием награды может привести
к её аннулированию. Желательно ознакомиться с
условиями на сайте, так как конкретные даты могут варьироваться.
Минимальная сумма депозита также может быть обусловлена акцией.
Чаще всего, для активации специальных предложений требуется внести минимальную сумму, которая прописана в правилах.
Это поможет избежать лишних затрат и даст возможность планировать свои финансовые вложения.
Обратите внимание и на возможность многократного использования акций.
Некоторые заведения могут
накладывать ограничения на количество раз, когда можно воспользоваться подобными предложениями.
Если доступны несколько бонусов, лучше ознакомиться с условиями акций,
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Stem Cell Therapy in the USA in 2024: Balancing Costs and Life-Changing Benefits
Stem cell therapy has emerged as a revolutionary medical procedure, offering hope to patients across the United States
and beyond. This innovative treatment involves injecting stem
cells—immature, self-renewing cells—into targeted areas of the body to promote healing and regeneration. In recent years, its popularity has surged, not only as
a treatment for serious illnesses but also as a preventative and regenerative option. However, as
a cutting-edge technology, stem cell therapy comes with a significant price tag, making it
essential for patients to weigh its costs against its transformative potential.
At our clinic, we believe in empowering patients with clear, actionable information. This article explores the factors driving stem cell therapy
costs in the USA, highlights its remarkable benefits, and offers practical guidance for choosing the right
clinic—without breaking the bank.
Why Stem Cell Therapy Is a Game-Changer
Stem cell therapy has demonstrated impressive success in treating a range of conditions,
from blood-related cancers to autoimmune diseases.
Its most notable achievements include high success rates in managing aplastic anemia, immunodeficiencies, and cancers
like leukemia, where hematopoietic stem cell transplants replace damaged cells after intensive treatment.
Beyond these, researchers are exploring its potential for conditions such as type 1 diabetes, Parkinson’s disease,
amyotrophic lateral sclerosis (ALS), heart failure, and osteoarthritis.
The promise of stem cell therapy lies in its ability to
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patients a chance at improved quality of life. However,
with innovation comes cost, and understanding the
financial aspects is key to making informed decisions.
What Drives the Cost of Stem Cell Therapy?
In the USA, the cost of stem cell therapy varies widely,
ranging from $5,000 to $500,000 depending on the treatment specifics.
The most common price range for a single session falls between $10,000 and $20,000.
Several factors influence these costs:
Type and Source of Stem Cells: Options like umbilical cord cells or mesenchymal stem cells differ in price and application.
Condition Being Treated: More complex conditions, such as spinal injuries or advanced cancers, require higher doses or
multiple sessions.
Location of the Facility: Clinics in major U.S. cities often charge more due to overhead and demand.
For example:
Knee or hip injuries: $5,000–$10,000
Spinal conditions: $10,000–$20,000
Anti-aging treatments: $5,000–$15,000
Beyond the procedure itself, patients should anticipate additional expenses
such as diagnostic tests, follow-up visits, and supportive therapies.
For international patients traveling to the USA,
travel and accommodation costs further increase the total
investment.
The Process: What to Expect
At our clinic, we prioritize transparency and personalized care.
The stem cell therapy process typically involves:
Initial Assessment: A thorough physical examination and symptom review to confirm eligibility and establish
a diagnosis.
Diagnostic Testing: For complex cases, advanced imaging like CT scans or MRIs may be required to
tailor the treatment plan.
Cost Estimation: After assessing the patient’s condition and determining the stem cell type and dosage, we provide a
detailed cost breakdown.
The severity and duration of the condition play a significant role
in pricing. For instance, early-stage osteoarthritis might require
fewer stem cells and sessions compared to advanced joint degeneration, resulting in a lower overall cost.
Hidden Costs to Consider
While the quoted price for stem cell therapy is a starting
point, hidden costs can add up. Diagnostic tests,
often performed at external facilities, are rarely included in initial estimates.
Travel and lodging expenses also apply, particularly for patients seeking treatment abroad or across state lines.
Our clinic advises patients to factor these into their budget for a realistic financial plan.
Insurance and Stem Cell Therapy
In the USA, insurance coverage for stem cell therapy remains limited.
Most private insurers do not cover these treatments, deeming them experimental.
However, Medicare offers partial coverage for FDA-approved procedures like
hematopoietic and autologous stem cell transplants, primarily for blood-related cancers.
Patients should consult their insurance provider to explore available options.
Affordable Alternatives: Stem Cell Therapy Abroad
For those deterred by high costs in the USA, international
clinics offer a compelling alternative. Countries like
Serbia, Thailand, and the Philippines provide high-quality stem cell therapy at significantly lower prices—often without sacrificing technology or expertise.
At the IM Clinic in Belgrade, Serbia, for example,
patients can access both therapeutic and anti-aging stem cell treatments at a fraction of U.S.
prices. Beyond affordability, Serbia’s rich culture and tranquil landscapes create
an ideal setting for recovery, blending medical care with a restorative experience.
Choosing the Right Clinic
Selecting a clinic for stem cell therapy requires careful consideration. To ensure quality and affordability,
we recommend:
Researching Credentials: Verify the clinic’s certifications, experience, and success
rates.
Comparing Costs: Request detailed quotes from multiple providers to assess value.
Checking Stem Cell Sources: Confirm the types (e.g., mesenchymal, umbilical cord) and their appropriateness for your condition.
Accounting for Hidden Costs: Include diagnostics, travel, and follow-up care in your budget.
At the IM Clinic, we pride ourselves on offering cutting-edge treatments with
clear pricing and a patient-centered approach, making advanced care accessible to all.
The Future of Stem Cell Therapy
Stem cell therapy stands at the forefront of medical innovation, offering life-changing possibilities for patients with chronic and degenerative conditions.
While costs in the USA remain a hurdle, affordable options abroad and strategic planning can make this transformative treatment attainable.
If you’re ready to explore how stem cell therapy can enhance your health,
contact the IM Clinic in Belgrade, Serbia. Our expert team is here to guide you through every step—from consultation to
recovery—delivering world-class care in a supportive
environment. Take the first step toward a healthier future today.
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Раздел «Акции» или «Бонусы» регулярно обновляется, предлагая эксклюзивные предложения при регистрации.
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Email-рассылки от букмекерских организаций предоставляют персональные предложения, доступные только подписчикам.
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Бонусы букмекеров без депозита – подводные камни
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Основные шаги для получения игровых подарков без депозита:
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Преимущества и риски бонусных предложений
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Бонусные награды, предлагаемые букмекерскими конторами без необходимости вносить депозит, могут стать весомым
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Этот динамичный вид спорта привлекает поклонников
не только необычными правилами, но и напряжёнными матчами, где каждое движение может стать
решающим. С увеличением популярности данного вида спорта, букмекеры предлагают
разнообразные предложения, направленные на привлечение новых клиентов и удержание
старых. Одно из самых интересных решений – получение дополнительного кредита при внесении средств
на игровой счет.
Используя подобные акции, игроки могут значительно увеличить свои
шансы на успешное участие в ставках.
Например, при первом депозите возможно получение определенной суммы, которая дает возможность ощутимо расширить горизонты для выбора событий и ставок.
Это создает теплую атмосферу, в которой новички могут
почувствовать себя более уверенно, а опытные игроки – воспользоваться новыми стратегиями,
не рискуя большим количеством собственных средств.
Фрибет за пополнение: Выгодные ставки на
лакросс
Современные букмекеры предлагают интересные бонусы для новых участников, что позволяет значительно увеличить стартовый капитал.
Методы поощрения различаются, но наиболее популярным остается предложение,
связанное с финансовыми вложениями.
Учитывая популярность команды
в лакроссе, важно правильно выбрать
момент для размещения пари.
Перед тем как сделать выбор, ознакомьтесь
с ключевыми моментами:
– Изучение команд: Узнайте о текущей форме, травмах и предыдущих встречах.
Это поможет сделать более
обоснованные прогнозы.
– Сравнение коэффициентов: Разные платформы могут
предлагать различные значения на одни и те же события.
Найдите наиболее подходящий вариант.
– Типы событий: Рассмотрите как матчевые, так и личные показатели игроков.
Некоторые игроки могут показывать исключительную эффективность в
определенных условиях.
Для максимальной выгоды от предложений, обратите внимание на
требования по отыгрыванию.
Зачастую нужно выполнить определенное количество
ставок перед тем, как можно будет вывести средства.
Это в свою очередь может привести
к дополнительным анализам матчей и их прогнозам.
Обратите особое внимание на маржу букмекеров.
Низкая маржа обеспечит более выгодные условия для ставок, что улучшит
ваши шансы на успех. Сравните предложения различных
контор и выберите ту, которая покажет самое лучшее
соотношение риска и доходности.
– Изучите информацию о командных статистиках.
– Сравните коэффициенты на разных платформах.
– Оцените актуальные новости о
травмах и изменениях в составе.
– Проверьте наличие акций и специальных
предложений.
Для повышения шансов на
успех, задействуйте аналитические инструменты и платформы,
которые предоставляют детальные данные о матчах.
Это поможет создать более точно
обоснованные прогнозы и успешно использовать предлагаемые возможности для увеличения бюджета.
Как получить выплату за игру в лакросс?
Для того, чтобы получить денежное вознаграждение за участие
в матчах по лакроссу, вам следует заключить сделку
с букмекерской конторой. Многие компании предлагают специальные бонусы
новым клиентам, которые делают ставки на игры этого вида
спорта.
Чтобы воспользоваться таким предложением,
вам необходимо зарегистрироваться на сайте букмекера,
пополнить свой игровой счёт на определённую сумму и сделать
ставку на исход матча по лакроссу.
После того, как ваша ставка сыграет,
компания начислит вам дополнительные средства в качестве поощрения.
Размер денежной выплаты зависит от условий акции и
суммы вашей ставки. Некоторые букмекеры также
предлагают повышенные коэффициенты на исходы матчей по лакроссу, что позволяет увеличить выигрыш.
На какие лакросс-события ставить с фрибетом?
При использовании бонуса для ставок на лакросс стоит обращать внимание на ключевые соревнования.
Высокие коэффициенты чаще
всего встречаются в матчах Национальной лиги
лакросса (NLL), особенно во время плей-офф.
Эти игры собирают лучшие команды,
и их исход может быть более непредсказуемым.
Чемпионаты NCAA также представляют интерес.
Студенческий лакросс отличается динамикой и азартом, на исход которых
букмекеры могут предложить привлекательные условия.
Обратите внимание на дерби между сильнейшими университетами, где результат порой
зависит от мелочей.
Не стоит игнорировать международные турниры, такие как Чемпионат мира по лакроссу.
Здесь участвуют лучшие сборные
из разных стран, и наблюдать за матчами можно с
большим интересом. Некоторые матчи могут предлагать интересные линии для ставок с возможностью значительного выигрыша.
Также рассмотрите возможность делать ставки на предстоящие контрольные
игры. Команды часто экспериментируют с составом, что открывает пространство для
неожиданных исходов. Это
может добавить элемент риска, но и шанс на выигрыш при грамотном
подходе.
Отслеживайте информацию о травмах и изменениях в составах.
Оперативная аналитика поможет определить, в каких матчах коэффициенты могут меняться в зависимости
от обстоятельств. Судя по статистике, такие нюансы зачастую роняют или поднимают шансы команд.
Проводите анализ предыдущих встреч.
Исторические данные о противостояниях
обогащают понимание игровой динамики и вносят ясность в прогнозирование на предстоящие события.
Сопоставление характеристик команд,
таких как стиль игры и результаты на родном поле, дает возможность составить более
точное предположение.
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Бытовая техника NEFF: инновации, стиль и немецкое качество
Немецкий бренд NEFF, основанный в
1877 году, уже почти полтора века остается синонимом качества,
инноваций и изысканного дизайна в мире бытовой техники.
Специализируясь на встраиваемых решениях премиум-класса,
NEFF предлагает широкий ассортимент
приборов, которые превращают рутинные домашние дела в удовольствие, а кухню — в пространство для
творчества. В этой статье мы
расскажем, чем выделяется техника NEFF, какие
категории приборов она включает и почему бренд завоевал доверие миллионов пользователей по всему миру.
История и философия бренда
NEFF был основан Карлом Андреасом Неффом в городе Бреттен,
Германия. Начав с производства угольных печей,
компания быстро перешла к созданию
передовых решений для дома.
Сегодня NEFF входит в состав концерна BSH Hausgeräte GmbH,
но сохраняет свою уникальную идентичность, ориентированную на кулинарное творчество и функциональность.
Философия бренда строится вокруг
идеи вдохновлять пользователей.
NEFF не просто создает технику — он предлагает инструменты
для реализации идей, будь то приготовление сложного ужина или уход за домом.
Слоган бренда — «Готовьте с удовольствием» — отражает стремление сделать процесс работы с техникой интуитивно понятным и увлекательным.
Ассортимент бытовой техники NEFF
NEFF специализируется на встраиваемой технике, которая гармонично интегрируется в любой интерьер.
Ассортимент бренда включает несколько ключевых категорий, каждая из которых отличается
инновационными технологиями и продуманным
дизайном.
1. Духовые шкафы
Духовые шкафы NEFF — это сердце ассортимента бренда.
Они оснащены уникальными функциями, такими как:
CircoTherm®: система равномерного распределения горячего
воздуха, позволяющая готовить несколько
блюд одновременно без смешивания запахов.
Slide&Hide®: полностью убирающаяся дверца, которая экономит пространство и упрощает доступ
к блюдам.
VarioSteam®: функция добавления пара
для сохранения сочности и текстуры блюд.
Модели 2023–2025 годов предлагают интеллектуальное управление через приложение Home
Connect, которое позволяет контролировать процесс приготовления удаленно и получать рекомендации по рецептам.
2. Варочные панели
Варочные панели NEFF представлены газовыми, электрическими и индукционными моделями.
Индукционные панели с технологией FlexInduction позволяют гибко использовать зоны нагрева, адаптируя их под посуду любого размера.
Управление осуществляется через интуитивно понятную кнопку
TwistPad® Fire, которая заменяет традиционные переключатели и обеспечивает точную настройку.
3. Посудомоечные машины
Посудомоечные машины
NEFF сочетают экономичность и высокую эффективность.
Технология DoorOpen Assist позволяет открывать дверцу
легким нажатием, что особенно удобно для кухонь без ручек.
Функция Time Light проецирует время до конца цикла на пол, а модели с загрузкой до 14 комплектов посуды идеально подходят для
больших семей.
4. Холодильники и морозильники
Холодильники NEFF отличаются продуманной эргономикой и функциями сохранения свежести
продуктов. Зона FreshSafe поддерживает оптимальную температуру
и влажность, а технологии суперохлаждения и
суперзаморозки обеспечивают длительное хранение без
потери качества.
5. Вытяжки
Вытяжки NEFF — это сочетание мощности и эстетики.
Модели шириной до 90 см подходят для больших варочных панелей, а варианты с выдвижным экраном
идеально вписываются в компактные кухни.
Технология CleanAir эффективно устраняет запахи,
обеспечивая комфорт в помещении.
6. Микроволновые печи и пароварки
Микроволновые печи NEFF объемом 20–25 литров
оснащены грилем и автоматическими программами, что
делает их универсальными помощниками.
Пароварки поддерживают приготовление
в стиле Sous-Vide, сохраняя вкус и пользу
продуктов.
7. Стиральные машины
Стиральные машины NEFF выделяются уникальной функцией Time Light, которая проецирует информацию о
стирке на пол. Инверторные двигатели гарантируют тихую работу и долговечность,
а программы для деликатных тканей обеспечивают бережный уход.
8. Кофемашины и аксессуары
Встраиваемые кофемашины NEFF позволяют
наслаждаться профессиональным кофе дома.
Они поддерживают приготовление эспрессо,
капучино и других напитков с настройкой
крепости и объема. Аксессуары, такие как фильтры для воды и средства для ухода, продлевают срок службы техники.
Инновации и технологии
NEFF постоянно внедряет новые решения, чтобы упростить жизнь
пользователей:
Home Connect: приложение для удаленного управления техникой,
синхронизации рецептов и диагностики состояния приборов.
Pyrolytic Cleaning: система пиролитической самоочистки для духовых шкафов, которая превращает загрязнения в пепел.
EfficientSilentDrive: тихие и энергоэффективные моторы в вытяжках
и посудомоечных машинах.
Эти технологии не только повышают удобство, но и способствуют экономии ресурсов,
что делает технику NEFF экологически ответственной.
Дизайн и интеграция
Встраиваемая техника NEFF разработана так, чтобы стать
частью кухонного гарнитура. Использование нержавеющей стали, стекла и стеклокерамики придает
приборам элегантный вид, который подходит для стилей от минимализма до хай-тека.
Устройства гармонично сочетаются друг с
другом, позволяя создавать комплекты из варочной панели, духового шкафа, вытяжки и других приборов.
Преимущества техники NEFF
Немецкое качество: производство на заводе в Бреттене гарантирует надежность и долговечность.
Инновации: NEFF задает стандарты в отрасли, внедряя функции, которые позже становятся трендами.
Удобство: интуитивное управление и продуманная эргономика делают технику доступной для всех.
Эстетика: стильный дизайн
превращает приборы в украшение
кухни.
Гарантия и сервис: официальные дилеры предлагают гарантию
до 12 месяцев и доступ к оригинальным комплектующим до 10
лет.
Почему выбирают NEFF?
NEFF выбирают те, кто ценит комфорт, функциональность
и возможность экспериментировать.
Бренд идеально подходит для кулинаров, которые хотят
раскрыть свой потенциал, и для
тех, кто ищет надежные решения
для дома. Отзывы пользователей подчеркивают долговечность техники и ее способность упрощать повседневные
задачи.
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