Cómo reclamar los gastos de la hipoteca.

 

 

 

Como saben, el banco está obligado a devolver a los consumidores y consumidoras parte de los gastos que tuvieron cuando constituyeron sus hipotecas.

Los tribunales han acordado que el banco debe devolver los siguientes gastos:

  1. El 50% de los gastos de notario
  2. El 50% de los gastos de gestoría
  3. El 100/ de los gastos de registro

La cantidad de la devolución no es muy alta porque el impuesto (AJDyTP ) que es el gasto mayor no están obligados aún a devolverlo. Muchas personas no reclaman la devolución de sus gastos porque les falta  información o porque el dinero que deben recuperar no es mucho y no les compensan los gastos de un pleito. Esto hace que las entidades bancarias se queden con mucho dinero de forma injusta.

En Abogadas SCA hemos ideado una forma sencilla para que todas las personas puedan recuperar sus gastos de hipoteca y que por falta de información no regalen su dinero a los bancos.

Pasos a seguir para recuperar su dinero:

  1. Localice sus facturas, deben estar junto a las escrituras de su préstamo hipotecario. Si tiene dudas sobre la cantidad que le devolverán puede enviar las facturas escaneadas a esta dirección y nosotras se lo aclaramos: info@abogadas.coop
  2. Presente una reclamación en la oficina de su entidad bancaria. Más abajo les dejamos un modelo de carta para que la presenten en su banco reclamando de forma amistosa la devolución de estos gastos. Deben imprimir dos copias, una para el banco y otra para usted en la que deberá constar el sello de presentación.
  3. Si trascurridos 15 días el banco no atiende su reclamación o deniega sus gastos puede escribirnos o llamarnos y le contamos la forma sencilla y económica que hemos ideado para que pueda recuperar estos gastos judicialmente.

Por falta de información no se quede sin su derecho a la devolución de los gastos de hipoteca.

Modelo Reclamación gastos hipotecas

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