Consideraciones sobre la cláusula irph a la luz de sus antecedentes y de la doctrina consolidada del tribunal de justicia de la union europea
By issuing its judgment of March 3, 2020, the Court of Justice of the European Union (CJEU) has terminated the last episode in the evolution of the IRPH index to which almost a tenth of mortgages have been referring. in Spain, compared to the rest that the Euribor takes as a reference, declaring i...
Saved in:
| Main Author: | |
|---|---|
| Format: | Article |
| Language: | Spanish |
| Published: |
2021
|
| Subjects: | |
| Online Access: | https://dialnet.unirioja.es/servlet/oaiart?codigo=7730067 |
| Source: | Revista Boliviana de Derecho, ISSN 2070-8157, Nº. 31, 2021, pags. 504-549 |
| Tags: |
Add Tag
No Tags: Be the first to tag this record
|
| id |
dialnet-ar-18-ART0001453516
|
|---|---|
| record_format |
dialnet
|
| spelling |
dialnet-ar-18-ART00014535162021-05-07Consideraciones sobre la cláusula irph a la luz de sus antecedentes y de la doctrina consolidada del tribunal de justicia de la union europeaCastillo Martínez, Carolina del CarmenHipotecaíndice IRPHcláusula abusivainterés variableconsumidorMortgageIRPH indexabusive clausevariable interestconsumeBy issuing its judgment of March 3, 2020, the Court of Justice of the European Union (CJEU) has terminated the last episode in the evolution of the IRPH index to which almost a tenth of mortgages have been referring. in Spain, compared to the rest that the Euribor takes as a reference, declaring in essence that consumers will be able to go to court to declare the abusiveness of the clause that the aforementioned index contains in the deeds of constitution of the mortgage. To understand the scope of the current situation, it is convenient to consider even briefly what the IRPH consists of and the consequences that its application has entailed for the affected consumer borrowers, taking into account the factual background that led to the issuance of the aforementioned resolution, the precedent that In this regard, they included the conclusions of the Advocate General, the content of the STJUE itself and, lately and until there is any pronouncement by our Supreme Court, the most recent resolutions issued by our Courts and Provincial Courts. All these references integrate the content of this work.Mediante el dictado de su sentencia de 3 de marzo de 2020, el Tribunal de Justicia de la Unión Europea (TJUE) ha dado por finalizado el último episodio en la evolución del índice IRPH al que se ha venido referenciando casi una décima parte de las hipotecas en España, frente al resto que toma como referencia el Euribor, declarando en esencia que los consumidores podrán acudir a los tribunales a los efectos de que se declare la abusividad de la cláusula que en las escrituras de constitución de hipoteca contiene el referido índice. Para comprender el alcance de la situación actual conviene considerar siquiera someramente en qué consiste el IRPH y las consecuencias que su aplicación ha supuesto para los prestatarios consumidores afectados, atendiendo para ello a los antecedentes fácticos que motivaron el dictado de la señalada resolución, al precedente que a su respecto supusieron las conclusiones del Abogado General, al contenido de la propia STJUE y, últimamente y hasta que se produzca algún pronunciamiento por parte de nuestro Tribunal Supremo, a las más recientes resoluciones emanadas de nuestros Juzgados y Audiencias Provinciales. Todas estas referencias integran el contenido del presente trabajo.2021text (article)application/pdfhttps://dialnet.unirioja.es/servlet/oaiart?codigo=7730067(Revista) ISSN 2070-8157Revista Boliviana de Derecho, ISSN 2070-8157, Nº. 31, 2021, pags. 504-549spaLICENCIA DE USO: Los documentos a texto completo incluidos en Dialnet son de acceso libre y propiedad de sus autores y/o editores. Por tanto, cualquier acto de reproducción, distribución, comunicación pública y/o transformación total o parcial requiere el consentimiento expreso y escrito de aquéllos. Cualquier enlace al texto completo de estos documentos deberá hacerse a través de la URL oficial de éstos en Dialnet. Más información: https://dialnet.unirioja.es/info/derechosOAI | INTELLECTUAL PROPERTY RIGHTS STATEMENT: Full text documents hosted by Dialnet are protected by copyright and/or related rights. This digital object is accessible without charge, but its use is subject to the licensing conditions set by its authors or editors. Unless expressly stated otherwise in the licensing conditions, you are free to linking, browsing, printing and making a copy for your own personal purposes. All other acts of reproduction and communication to the public are subject to the licensing conditions expressed by editors and authors and require consent from them. Any link to this document should be made using its official URL in Dialnet. More info: https://dialnet.unirioja.es/info/derechosOAI
|
| institution |
Dialnet
|
| collection |
Dialnet AR
|
| source |
Revista Boliviana de Derecho, ISSN 2070-8157, Nº. 31, 2021, pags. 504-549
|
| language |
Spanish
|
| topic |
Hipoteca
índice IRPH cláusula abusiva interés variable consumidor Mortgage IRPH index abusive clause variable interest consume |
| spellingShingle |
Hipoteca
índice IRPH cláusula abusiva interés variable consumidor Mortgage IRPH index abusive clause variable interest consume Castillo Martínez, Carolina del Carmen Consideraciones sobre la cláusula irph a la luz de sus antecedentes y de la doctrina consolidada del tribunal de justicia de la union europea |
| description |
By issuing its judgment of March 3, 2020, the Court of Justice of the European Union (CJEU)
has terminated the last episode in the evolution of the IRPH index to which almost a tenth of mortgages have
been referring. in Spain, compared to the rest that the Euribor takes as a reference, declaring in essence that
consumers will be able to go to court to declare the abusiveness of the clause that the aforementioned index
contains in the deeds of constitution of the mortgage. To understand the scope of the current situation, it is
convenient to consider even briefly what the IRPH consists of and the consequences that its application has
entailed for the affected consumer borrowers, taking into account the factual background that led to the issuance
of the aforementioned resolution, the precedent that In this regard, they included the conclusions of the Advocate
General, the content of the STJUE itself and, lately and until there is any pronouncement by our Supreme Court,
the most recent resolutions issued by our Courts and Provincial Courts. All these references integrate the content
of this work.
|
| format |
Article
|
| author |
Castillo Martínez, Carolina del Carmen
|
| author_facet |
Castillo Martínez, Carolina del Carmen
|
| author_sort |
Castillo Martínez, Carolina del Carmen
|
| title |
Consideraciones sobre la cláusula irph a la luz de sus antecedentes y de la doctrina consolidada del tribunal de justicia de la union europea
|
| title_short |
Consideraciones sobre la cláusula irph a la luz de sus antecedentes y de la doctrina consolidada del tribunal de justicia de la union europea
|
| title_full |
Consideraciones sobre la cláusula irph a la luz de sus antecedentes y de la doctrina consolidada del tribunal de justicia de la union europea
|
| title_fullStr |
Consideraciones sobre la cláusula irph a la luz de sus antecedentes y de la doctrina consolidada del tribunal de justicia de la union europea
|
| title_full_unstemmed |
Consideraciones sobre la cláusula irph a la luz de sus antecedentes y de la doctrina consolidada del tribunal de justicia de la union europea
|
| title_sort |
consideraciones sobre la cláusula irph a la luz de sus antecedentes y de la doctrina consolidada del tribunal de justicia de la union europea
|
| publishDate |
2021
|
| url |
https://dialnet.unirioja.es/servlet/oaiart?codigo=7730067
|
| _version_ |
1709753891080372224
|