{"id":5310,"date":"2017-11-28T10:13:26","date_gmt":"2017-11-28T09:13:26","guid":{"rendered":"https:\/\/label-design.es\/sanjose\/xabier-bilbao-habla-del-irph-etb\/"},"modified":"2020-04-02T19:54:54","modified_gmt":"2020-04-02T17:54:54","slug":"xabier-bilbao-habla-del-irph-etb","status":"publish","type":"post","link":"https:\/\/sanjoseabogados.com\/eu\/xabier-bilbao-habla-del-irph-etb\/","title":{"rendered":"Xabier Bilbao habla del IRPH en ETB"},"content":{"rendered":"<p>Xabier Bilbao, socio de <strong>San Jos\u00e9 Abogados<\/strong>, ha hablado del IRPH en <em>ETB<\/em>, a ra\u00edz de la Sentencia del Tribunal Supremo de 22 de noviembre de 2017.<\/p>\n<p>Tal y como conocen nuestros clientes, no somos partidarios de reclamar la nulidad de la cl\u00e1usula relativa al IRPH, por falta de transparencia, porque entendemos que no es un caso similar al de las cl\u00e1usulas suelo, donde los clientes ven frustradas sus expectativas a que se calcule su cuota hipotecaria, mediante un inter\u00e9s variable, al entrar en juego la comentada cl\u00e1usula suelo.<\/p>\n<p>En el presente caso, si bien es cierto que las entidades no explicaron la manera de calcular el <strong>IRPH<\/strong> a sus clientes, tampoco lo hicieron respecto del Euribor, lo que provoca que la \u00fanica diferencia entre ambos \u00edndices de referencia, sea que uno se encuentra por encima del otro, lo que nos impide reclamar judicialmente la nulidad de la cl\u00e1usula que toma el IRPH como \u00edndice de referencia.<\/p>\n<p>No obstante, suponemos que la Sentencia del Tribunal Supremo acabar\u00e1 siendo analizada por el <em>Tribunal de Justicia de la Uni\u00f3n Europea<\/em>, y al igual que ocurri\u00f3 con la controversia sobre los efectos de la nulidad de la cl\u00e1usula suelo, es susceptible de ser modificada, si el Tribunal Europeo considera que vulnera el derecho comunitario.<\/p>\n<p>En <strong>San Jos\u00e9 Abogados<\/strong> apostamos por la prudencia, y consideramos que s\u00f3lo si el TJUE modifica el criterio del Tribunal Supremo, proceder\u00e1 interponer demandas solicitando la nulidad del IRPH, de ah\u00ed que hasta el momento no hayamos interpuesto ninguna, y nos hayamos limitado a solicitar la anulaci\u00f3n de la cl\u00e1usula suelo que, en muchas ocasiones, acompa\u00f1aba la cl\u00e1usula que impon\u00eda el IRPH, y que permite a nuestros clientes recuperar parte de las cantidades que abonaron indebidamente a las entidades bancarias.<\/p>\n<p>Puedes ver las declaraciones de Xabier Bilbao en el siguiente link:\u00a0<a href=\"https:\/\/youtu.be\/Hi0VHvbQimk\">https:\/\/youtu.be\/Hi0VHvbQimk<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Xabier Bilbao, socio de San Jos\u00e9 Abogados, ha hablado del IRPH en ETB, a ra\u00edz de la Sentencia del Tribunal Supremo de 22 de noviembre de 2017.\t<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1152,420,439],"tags":[480,481],"class_list":["post-5310","post","type-post","status-publish","format-standard","hentry","category-estamos-en-los-medios-eu","category-noticias-eu","category-clausulas-hipotecarias-eu","tag-abogado-irph-eu","tag-irph-eu"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - 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