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
Thanks for sharing. I read many of your blog posts, cool, your blog is very good.
Hi there, just became alert to your blog through Google, and found that it’s really informative.
I am going to watch out for brussels. I will be grateful if you continue this in future.
Lots of people will be benefited from your writing. Cheers!
Lista escape roomów
Very interesting points you have remarked, regards for putting up..
Thank you for your sharing. I am worried that I lack creative ideas. It is your article that makes me full of hope. Thank you. But, I have a question, can you help me?
Thank you for your sharing. I am worried that I lack creative ideas. It is your article that makes me full of hope. Thank you. But, I have a question, can you help me?
Thank you for your sharing. I am worried that I lack creative ideas. It is your article that makes me full of hope. Thank you. But, I have a question, can you help me?
There is certainly a great deal to find out about this issue. I really like all the points you made.
Bahis siteleri deneme bonusu ile bedava bahis yaparak risksiz kazanç elde edebilirsiniz!
The next time I read a blog, Hopefully it does not fail me just as much as this one. After all, I know it was my choice to read, however I genuinely believed you would have something useful to say. All I hear is a bunch of complaining about something you could fix if you were not too busy searching for attention.
Bu casino’nun sunduğu turnuvalar ve promosyonlar ile slot oyunlarında daha fazla kazanıyorum.
You have made some decent points there. I checked on the web to learn more about the issue and found most individuals will go along with your views on this site.
Deneme bonusu sayesinde ilk bahislerimde hiç para kaybetmeden kazanç sağladım!
Having read this I thought it was extremely enlightening. I appreciate you spending some time and energy to put this article together. I once again find myself personally spending a significant amount of time both reading and leaving comments. But so what, it was still worth it!
Bahis siteleri deneme bonusu ile bedava bahis yaparak risksiz kazanç elde edebilirsiniz!
Casino’daki slot oyunlarında kazanmak için harika fırsatlar var, kesinlikle tavsiye ederim.
En sevdiğim slot oyunu Immortal Romance, her spin kazanç dolu.
Düşük bahislerle oynadığım futbol maçlarında bile sürekli kazanç elde ediyorum!
An impressive share! I have just forwarded this onto a co-worker who was doing a little homework on this. And he actually ordered me lunch because I found it for him… lol. So allow me to reword this…. Thank YOU for the meal!! But yeah, thanx for spending some time to discuss this matter here on your internet site.
May I simply say what a relief to uncover somebody that actually knows what they’re discussing over the internet. You actually understand how to bring an issue to light and make it important. A lot more people ought to check this out and understand this side of the story. It’s surprising you are not more popular since you certainly have the gift.
Bahis siteleri deneme bonusu ile bedava bahis yaparak kazanmaya başlamak gerçekten çok kolay!
Bu casino’daki slot oyunlarında her bahis seviyesi için kazanç fırsatları var.
I absolutely love your website.. Great colors & theme. Did you create this website yourself? Please reply back as I’m trying to create my own site and would like to learn where you got this from or exactly what the theme is named. Thanks!
Hello there! This post could not be written any better! Looking through this post reminds me of my previous roommate! He continually kept talking about this. I’ll send this article to him. Fairly certain he’s going to have a good read. Thank you for sharing!
This website truly has all of the information I wanted about this subject and didn’t know who to ask.
Yeni oyunları denemek her zaman heyecan verici.
Futbol maçlarına bahis yaparken doğru stratejilerle sürekli kazanç elde ediyorum.
Futbol bahislerinde stratejik oynayarak her zaman kazançlı çıkıyorum!
Casino bonuslarıyla slotlarda oynamak daha kazançlı hale geliyor.
Futbol bahislerinde doğru tahminlerle her zaman kazançlı çıkıyorum!
Greetings! Very helpful advice in this particular article! It is the little changes which will make the most significant changes. Thanks for sharing!
Müşteri desteği çok ilgili ve yardımsever, her sorumu hızlıca çözdüler.
Yüksek bahislerle oynadığım futbol maçlarında büyük kazançlar elde etmek harika bir duygu!
Casino’nun sunduğu canlı bahis seçenekleri ile her futbol maçı daha da kazançlı hale geliyor!
En sevdiğim slot oyunu The Dog House Megaways, her spin büyük bir kazanç şansı sunuyor.
Favori slot oyunum Legacy of Dead, her spin büyük kazançlar sağlıyor!
Bu bahis sitesinin sunduğu deneme bonusu ile bedava bahis yaparak hemen kazandım!
En sevdiğim slot oyunu Fire in the Hole, her spin heyecan verici ve kazanç dolu.
Bahis siteleri deneme bonusu ile bedava bahis yaparak büyük ödüller kazanmak mümkün!
This website was… how do I say it? Relevant!! Finally I’ve found something that helped me. Cheers.
An outstanding share! I’ve just forwarded this onto a friend who had been doing a little homework on this. And he actually ordered me breakfast simply because I discovered it for him… lol. So allow me to reword this…. Thanks for the meal!! But yeah, thanx for spending some time to discuss this matter here on your blog.
Crash oyunları, özellikle Aviator, deneme bonusu ile hiç yatırım yapmadan oynanabilecek en heyecan verici oyunlar!
En sevdiğim slot oyunu Buffalo Blitz, her spin büyük kazanç fırsatı sunuyor.
Bu sitenin sunduğu deneme bonusu ile risksiz bahis yaparak büyük ödüller kazandım!
Düşük bahislerle bile Sweet Bonanza’da güzel kazançlar elde ettim, harika bir oyun!
Bu casino’daki slot oyunları ile her zaman büyük jackpot kazançlarına ulaşıyorum.
Bahis siteleri deneme bonusu ile crash oyunlarında oynamak, özellikle Aviator, büyük kazanç fırsatları sunuyor!
You made some decent points there. I checked on the net to learn more about the issue and found most people will go along with your views on this web site.
I was excited to find this web site. I wanted to thank you for ones time just for this fantastic read!! I definitely loved every part of it and I have you book-marked to look at new information in your blog.
Bu casino’da bahis stratejimi doğru ayarlayarak her zaman kazançlı çıkıyorum.
Way cool! Some very valid points! I appreciate you penning this write-up and also the rest of the website is extremely good.
Bahis siteleri deneme bonusu ile riske girmeden oyunları keşfetmek mümkün.
En sevdiğim slot oyunu Sweet Bonanza, her spin büyük bir kazanç fırsatı sunuyor.
Bu casino’da oynadığım slot oyunları ile her gün büyük kazançlar elde ediyorum!
Casino’nun sunduğu turnuvalar ile ekstra kazançlar kazanmak çok keyifli!
Bu casino’da oynadığım slot oyunları her zaman büyük kazançlar sunuyor.
Bahis sitelerinde deneme bonusu ile bedava bahis yaparak şansınızı deneyin!
Aviator gibi crash oyunlarını deneme bonusu ile oynamak, büyük kazançlar sağlamak için harika bir yol!
Deneme bonusu ile bahis yaparken hiç yatırım yapmadan büyük kazançlar elde ettim!
Can I simply just say what a comfort to uncover an individual who actually knows what they’re talking about on the internet. You certainly realize how to bring an issue to light and make it important. A lot more people must read this and understand this side of the story. I can’t believe you are not more popular because you most certainly possess the gift.
I quite like reading through a post that can make people think. Also, many thanks for allowing for me to comment.
Hi, I do think this is an excellent site. I stumbledupon it 😉 I’m going to revisit yet again since I book-marked it. Money and freedom is the greatest way to change, may you be rich and continue to help other people.
Hi, I do believe this is a great website. I stumbledupon it 😉 I’m going to return yet again since i have book marked it. Money and freedom is the greatest way to change, may you be rich and continue to guide other people.
This site was… how do you say it? Relevant!! Finally I have found something which helped me. Thank you!