El IRPH (Índice de Referencia de Precios Hipotecados) es un índice legal, sobre el que se referencian las hipotecas. Es un medidor oficial que lo elabora cada mes el banco de España y que se aplica una vez publicado en el BOE.

¿Cómo se calcula? Se calcula a partir de una media de los préstamos a tres años que conceden las cajas de ahorro y las diferentes entidades financieras. A pesar de que su origen se remonta a 1994, fue entre 2005 y 2009 cuando su uso se expandió, coincidiendo con el periodo de subida del Euribor y el auge del sector inmobiliario.

El Tribunal de Justicia de la Unión Europea ha dictaminado que serán los jueces españoles quienes tendrán que examinar caso por caso si el IRPH de tu hipoteca es una cláusula abusiva en la aplicación de los contratos hipotecarios. Las entidades bancarias incluyeron esta cláusula sin explicarle a los consumidores cómo era la metodología para calcularla y en qué consiste la referencia del IRPH.

Si eres afectado o afectada por esta cláusula de IRPH podrás reclamar al banco para recuperar el dinero que te han robado y que has pagado de más durante estos años.

Como se recalcularán las cuotas que ya se han abonado dependerá del interés que podría ser el 0% o un tipo igual al diferencial o con el Euribor (en sustitución del IRPH).

La justicia española va a tener que comprobar si la información que usaron los bancos con sus clientes era transparente, en caso contrario tendrán que anular la cláusula del IRPH por abusiva y en su caso sustituirlo por el índice más favorable como el Euribor y por tanto tendremos derecho a que se nos devuelva el dinero que el banco ha cobrado de manera abusiva y el dinero que hemos cobrado de más.

Desde abogadas S.C.A animamos a todas las personas afectadas que se asesoren y reclamen sin compromiso, os dejamos de manera gratuita en nuestra web la reclamación previa al banco para que te la puedas descargar.

¡Por falta de información no permitas que los bancos te roben!

Rocío Mendoza.

Abogadas S.C.A.


Aquí puedes descargar: https://abogadas.coop/modelo-para-reclamar-el-indice-irph-al-banco/

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