¿QUÉ SON LOS INTERESES DE DEMORA Y CUÁNDO SON ABUSIVOS?

La grave recesión económica atravesada en nuestro país en los últimos años puso de relieve conceptos jurídicos que en época de bonanza pasaban totalmente desapercibidos.
Entre otros, podemos destacar los intereses de demora o intereses moratorios. Es posible que no tengas muy claro qué son y cuándo se aplican, pero si en alguna ocasión te has retrasado en el pago de la cuota de tu préstamo, personal o hipotecario, con total seguridad has hecho frente al pago de los mismos.
Según reiterada jurisprudencia del Tribunal Supremo, los intereses de demora se califican como la sanción que se impone al deudor a fin de indemnizar al acreedor por los perjuicios causados por el retraso del primero en el cumplimiento ordinario de sus obligaciones. Es decir, el interés de demora actúa como indemnización destinada a reparar los daños y perjuicios que le genera al acreedor el incumplimiento contractual del deudor.
Los intereses moratorios se generan por el impago de cualquier tipo de deuda, pero en el presente artículo nos centraremos en los derivados de contratos de préstamos hipotecarios.
En este sentido, la imposición de intereses de demora del 20 o 25 por ciento nominal anual en caso de impago o retraso del consumidor prestatario resultaba una práctica totalmente extendida en el mercado hipotecario.
La ausencia de una ley que limitara los tipos máximos de los intereses de demora, provocó, en primer lugar, como se ha dicho, el abuso por parte de los bancos que, haciendo valer su posición dominante, establecían intereses de demora muy elevados y, en segundo lugar, la disparidad de criterios de los distintos juzgados a la hora de discernir cuando los intereses moratorios establecidos en un préstamo eran o no abusivos.
La Ley 1/2013, de 14 de mayo, de medidas para reforzar la protección a los deudores hipotecarios, reestructuración de deuda y alquiler social, trató de solventar sin éxito esta problemática. Dicha ley reformó el artículo 114 de la Ley Hipotecaria y estableció que los intereses de demora de préstamos o créditos para la adquisición de vivienda habitual, garantizados con hipotecas constituidas sobre la misma vivienda, no podían ser superiores a tres veces el interés legal del dinero.
El Tribunal Supremo en su Sentencia 364/2016, de 3 de junio, cambió radicalmente el escenario dibujado por la Ley mencionada en el párrafo anterior. El alto tribunal hizo extensivo a los préstamos hipotecarios el criterio establecido en su Sentencia 265/2015, de 22 de abril, para los préstamos personales, es decir, estableció que son abusivos los intereses de demora que supongan un incremento de más de dos puntos porcentuales respecto del interés remuneratorio pactado.
Sin embargo, fue con la publicación de la Ley 5/2019, de 15 de marzo, reguladora de los contratos de crédito inmobiliario, cuando quedó resuelta la cuestión de la limitación de los intereses moratorios. El artículo 25 de esta ley dispone “En el caso de préstamo o crédito concluido por una persona física que esté garantizado mediante hipoteca sobre bienes inmuebles para uso residencial, el interés de demora será el interés remuneratorio más tres puntos porcentuales a lo largo del período en el que aquel resulte exigible”. El legislador ha optado por una solución intermedia, ha reducido el límite máximo establecido en la Ley 1/2013, pero ha aumentado de dos a tres puntos el diferencial a añadir al interés remuneratorio con respecto a lo manifestado por el Tribunal Supremo en su Sentencia de 2016.
Por último, respecto a los efectos de la declaración de nulidad del interés de demora establecido en contratos de préstamo suscritos con anterioridad a la entrada en vigor de la Ley de Contratos de Crédito Inmobiliario, el Tribunal Supremo ha establecido que una vez declarada la nulidad del interés moratorio, se suprimirá la indemnización desproporcionada por el retraso en el pago de las cuotas del préstamo (el recargo sobre el tipo del interés remuneratorio), pero no el interés remuneratorio, que seguirá cumpliendo la función de retribuir la disposición del dinero por parte del prestatario hasta su devolución.
Si tu entidad bancaria te ha cobrado intereses de demora excesivamente altos, no dudes en ponerte en contacto con nuestro despacho.
91 comentarios
I will right away snatch your rss feed as I can not to find your e-mail subscription link or e-newsletter service.
Do you’ve any? Kindly let me understand so that I may just subscribe.
Thanks.
bookmarked!!, I really like your website!
Here is my web page – mega888 test
Actually when someone doesn’t know after that its up to
other people that they will assist, so here it happens.
Ahaa, its nice discussion concerning this post at this place
at this blog, I have read all that, so now me also commenting at this place.
my blog – 918kaya game download
I could not refrain from commenting. Very well written!
Good article. I will be experiencing many of these issues as well..
We are a group of volunteers and starting a new scheme in our community.
Your site offered us with valuable information to work on.
You’ve done a formidable job and our whole community will be grateful to you.
For hottest information you have to pay a quick visit web and on web I
found this site as a most excellent website for most up-to-date updates.
Also visit my webpage – mega888 ios (breakdown247.online)
Pretty nice post. I just stumbled upon your blog and wished to
say that I have truly enjoyed surfing around your blog posts.
After all I will be subscribing to your rss feed and I hope you write again very soon!
Hello, the whole thing is going fine here and ofcourse every
one is sharing facts, that’s really excellent, keep up writing.
I’m not that much of a internet reader to be honest but your blogs really nice, keep it up!
I’ll go ahead and bookmark your website to come back down the road.
Cheers
Here is my site – xe88apk
Nadie llevo mucho período usando Internet, quizá sea porque no sabía
lo competente.
Pero tengo que reconocer que páginas web como mi me hace sentir muy bien. Esta nombre es
%nombre_simple_masculino.dat% Y soy un pequeño pueblo de %provincias_espana.dat%, comparto muchos gustos y distracciones con el
resto de la gentío de este blog. Lo único que puedo decir está en hora buena por la opinión y
el diseño que le habéis dado a esta página. Llevo bastante tiempo buscando averiguamiento
parecida y no he dado con ella.
Así que seré un usuario habitual de la web.
Muchas gracias lucro todo y espero poder colaborar en las siguientes lineas.
Thank you for sharing your info. I really appreciate
your efforts and I am waiting for your further write ups thank you once again.
Howdy I am so happy I found your web site, I really found
you by error, while I was browsing on Aol for something else, Nonetheless I am here now and would
just like to say cheers for a marvelous post and
a all round enjoyable blog (I also love the theme/design), I don’t have time
to go through it all at the moment but I have book-marked it and also included your
RSS feeds, so when I have time I will be back to read more,
Please do keep up the superb b.
An intriguing discussion is definitely worth comment.
I think that you should write more on this issue, it
may not be a taboo subject but usually folks don’t discuss such issues.
To the next! Cheers!!
Hi, I would like to subscribe for this webpage to get hottest updates, thus
where can i do it please assist.
Look at my web-site … kiosk mega888 vip
I feel that is among the most significant info for me.
And i’m happy reading your article. But wanna observation on few normal things,
The web site taste is great, the articles is truly
excellent : D. Good activity, cheers
Take a look at my website: mega888 online, https://www.pso2na.wiki/Delight_In_Mega_Mega888_Slot_Online_Video_Games_And_Much_More_Through_This_Cellular_Casino,
Ahaa, its nice conversation about this post at this place at this blog, I
have read all that, so at this time me also commenting at
this place.
Undeniably believe that which you stated. Your favorite justification appeared to be on the web the easiest
thing to be aware of. I say to you, I certainly get irked while people think about worries that they plainly
don’t know about. You managed to hit the nail upon the top as well as defined out the whole thing
without having side effect , people can take a signal. Will likely be back to get more.
Thanks
Here is my blog :: mega888 download
Keep on writing, great job!
my blog post … pussy888 d
Hi my friend! I wish to say that this post is awesome, great written and include almost all
vital infos. I’d like to look extra posts like this .
my homepage: Mega888 (mizukami-parts.com)
Embargo llevo mucho periodo usando Internet, probablemente sea porque no sabía lo adecuado.
Pero tengo que reconocer que páginas web como esta me hace
sentir muy bien. Esta nombre es %nombre_simple_masculino.dat% Y soy un pequeño pueblo de %provincias_espana.dat%, comparto montones de gustos y aficiones con el resto de la gentío
de este blog. Lo único que puedo decir es en hora buena por la pensamiento y el diseño que le habéis
dado a mi página. Llevo bastante tiempo buscando escrutinio parecida y no
he dado con ella.
A fin de que seré un usuario habitual de la web.
Muchas gracias por todo y espero poder colaborar más adelante.
I visited multiple web pages but the audio feature
for audio songs existing at this web site is really superb.
Great goods from you, man. I’ve have in mind your stuff
previous to and you are simply too great. I really like what you’ve received here, really like what you’re
saying and the best way wherein you say it. You make it enjoyable and you continue to care for
to stay it wise. I can’t wait to learn much more from you.
That is actually a terrific web site.
Embargo llevo mucho periodo usando Internet, quizá sea porque
no sabía lo adecuado.
Pero tengo que reconocer que páginas web como esta me hace sentir muy bien. Mi nombre es %nombre_simple_masculino.dat% Y soy un pequeño pueblo
de %provincias_espana.dat%, comparto montones de gustos y aficiones con el resto
de la gentío de este blog. Lo único que puedo decir está en hora buena por la pensamiento y el diseño que le habéis dado a esta página.
Llevo altamente tiempo buscando escrutinio parecida y no he dado con ella.
Así que seré un usuario frecuente de la web.
Muchas gracias lucro todo y espero poder colaborar en mi
aporte.
I know this web site presents quality dependent posts and other data, is
there any other website which provides these kinds of data in quality?
Here is my blog post: 918kiss ios
Awesome blog you have here but I was wanting to
know if you knew of any forums that cover the same topics discussed in this article?
I’d really like to be a part of community where
I can get comments from other experienced people that share the same interest.
If you have any suggestions, please let me know.
Kudos!
wonderful submit, very informative. I’m wondering why the
opposite specialists of this sector don’t realize this. You must continue your writing.
I’m sure, you have a huge readers’ base already!
my web blog :: xe88 apk
My brother recommended I might like this web site. He was entirely right.
This post actually made my day. You can not imagine just how much time I had spent for this info!
Thanks!
Asking questions are really pleasant thing if you are not understanding anything completely, but this paragraph offers fastidious understanding yet.
Also visit my blog post … mega888apk (kebe.top)
I loved as much as you will receive carried out right here.
The sketch is tasteful, your authored material stylish.
nonetheless, you command get bought an shakiness over that you wish be delivering the following.
unwell unquestionably come further formerly again since exactly the same nearly very often inside case you shield this increase.
Feel free to visit my web blog; Home Mega888 Download
It’s a shame you don’t have a donate button! I’d definitely donate to
this superb blog! I suppose for now i’ll settle for bookmarking and adding your RSS feed to my Google account.
I look forward to new updates and will talk about this website with my
Facebook group. Chat soon!
Stop by my page – mega888 download
I think that what you said was actually very logical.
But, consider this, what if you were to write a killer title?
I ain’t suggesting your information isn’t good., but suppose you added
something to possibly grab a person’s attention? I mean JURISLEG ABOGADOS &
ASESORES is a little boring. You ought to glance at Yahoo’s front page
and see how they create post titles to get people to open the links.
You might add a video or a pic or two to get readers excited about what you’ve written. In my opinion, it
would bring your posts a little bit more interesting.
I simply couldn’t leave your website prior to suggesting that I actually enjoyed the
standard info an individual provide to your
visitors? Is gonna be again often in order to check up
on new posts
Hola! I’ve been following your site for some time
now and finally got the bravery to go ahead and
give you a shout out from Atascocita Tx! Just wanted to tell you keep up the great job!
Hello, its fastidious post regarding media print, we
all be aware of media is a enormous source of
facts.
I’ve been browsing online more than 3 hours as
of late, yet I never found any fascinating article like yours.
It is beautiful worth enough for me. Personally, if
all web owners and bloggers made good content material
as you probably did, the internet will likely be a lot more helpful than ever before.
Hello! Do you know if they make any plugins to
assist with SEO? I’m trying to get my blog to rank for some
targeted keywords but I’m not seeing very good gains.
If you know of any please share. Kudos!
Also visit my web page pussy888 apk
Everything is very open with a clear explanation of
the challenges. It was definitely informative.
Your website is very useful. Thanks for sharing!
Here is my webpage … pussy888 slot (knightsofbasus.org)
Hi to every single one, it’s in fact a nice for me to pay a visit this web site, it contains important
Information.
Currently it sounds like Movable Type is the
preferred blogging platform available right
now. (from what I’ve read) Is that what you’re using on your blog?
Attractive section of content. I just stumbled upon your site and
in accession capital to assert that I acquire in fact enjoyed account
your blog posts. Any way I will be subscribing to your augment and even I achievement you access consistently fast.
I was recommended this blog by my cousin. I’m not sure whether this post is written by him as no one else know such detailed
about my trouble. You’re wonderful! Thanks!
Fastidious respond in return of this question with real arguments and describing all regarding that.
Hi I am so thrilled I found your weblog, I really found you by accident, while I was looking on Askjeeve for something else, Anyhow I am here now and would just
like to say cheers for a remarkable post and a all
round interesting blog (I also love the theme/design), I
don’t have time to go through it all at the moment but I have saved it and
also added your RSS feeds, so when I have time I will be back to read
more, Please do keep up the great jo.
Here is my web site; xe88 slot (wiki.odcpkintranet.org)
I was suggested this blog by my cousin. I am not sure whether this post is written by him as nobody else know such detailed about my trouble.
You’re amazing! Thanks!
my blog … angpao xe88
Howdy! Would you mind if I share your blog with my zynga group?
There’s a lot of people that I think would really appreciate your content.
Please let me know. Many thanks
I am sure this post has touched all the internet people, its really really good post on building up new blog.
Here is my web blog download kiss918 (nightingaleffxiv.org)
WOW just what I was searching for. Came here by searching for game mega888
my webpage :: Apl mega888
Hey there! I know this is somewhat off topic but I was wondering which blog platform are you using for this website?
I’m getting tired of WordPress because I’ve had issues with hackers and I’m looking at alternatives for another platform.
I would be awesome if you could point me in the direction of a good
platform.
wonderful issues altogether, you simply gained a brand new reader.
What could you recommend in regards to your submit that you simply made
a few days in the past? Any sure?
Thanks on your marvelous posting! I genuinely enjoyed reading it, you are
a great author.I will always bookmark your blog and will often come back in the
future. I want to encourage you to definitely continue your great posts, have a nice evening!
Here is my website :: mega888apk (https://tintuc123.com/)
Do you mind if I quote a few of your posts as long as I provide credit and
sources back to your site? My blog site is in the very same niche as
yours and my visitors would truly benefit from some of the information you present here.
Please let me know if this okay with you. Cheers!
Also visit my site :: http://www.goldenanapa.ru
Greetings! I’ve been reading your website for a while now and finally got the bravery to go ahead and give
you a shout out from Kingwood Tx! Just wanted to say
keep up the great job!
Feel free to surf to my page; download game mega888
Paragraph writing is also a fun, if you be familiar with then you can write otherwise it
is complex to write.
Here is my web-site … xe888 apk
Nice read, I just passed this onto a colleague who was doing some research on that.
And he just bought me lunch because I found it for him smile Therefore let
me rephrase that: Thanks for lunch!
Take a look at my site sertified.org
I know this if off tߋpіc but I’m ⅼooking into
ѕtarting my oown blog and was wondering what all is required to geet
set up? I’m asѕuming having a blog lіke yours woud cost a pretty penny?
I’m nnot very weƄ savvy so I’mnot100% certain. Any suggestions or advice wouⅼd
bе greatly appreciated. Kudos
I just like the valuable info you supply on your articles.
I will bookmark your weblog and check again here regularly.
I’m fairly sure I will be informed many new stuff right right here!
Best of luck for the following!
Valuable info. Lucky me I discovered your website unintentionally, and I am surprised why this coincidence didn’t took place in advance!
I bookmarked it.
Hey I know this is off topic but I was wondering if you knew of any widgets I
could add to my blog that automatically tweet my newest twitter updates.
I’ve been looking for a plug-in like this for quite
some time and was hoping maybe you would have some experience
with something like this. Please let me know if you run into anything.
I truly enjoy reading your blog and I look forward to your new updates.
Heya i’m for the first time here. I found this board and I find
It really useful & it helped me out much. I hope to give something back
and aid others like you helped me.
my web page: xe88 apk
Appreciate the recommendation. Let me try it out.
Also visit my webpage … 918kaya pc download
Does your site have a contact page? I’m having problems locating
it but, I’d like to send you an e-mail. I’ve got some ideas for
your blog you might be interested in hearing.
Either way, great website and I look forward to
seeing it improve over time.
Take a look at my blog :: http://www.haksizlik.com
Hey I know this is off topic but I was wondering if you knew of any widgets I could add to my blog that automatically
tweet my newest twitter updates. I’ve been looking for a
plug-in like this for quite some time and was hoping maybe you would have some experience with something like this.
Please let me know if you run into anything. I truly enjoy reading your blog and
I look forward to your new updates.
my website; Jerrell
No llevo mucho período usando Internet, quizá
sea porque no sabía lo competente.
Pero tengo que reconocer que páginas web como esta me hace sentir muy bien. Mi nombre es %nombre_simple_masculino.dat% Y soy un pequeño pueblo
de %provincias_espana.dat%, comparto muchos gustos y distracciones
con el resto de la multitud de este blog. Lo único que puedo decir está en hora generosa por
la opinión y el diseño que le habéis dado a esta página.
Llevo bastante tiempo buscando información parecida y no he dado
con ella.
Así que seré un usuario usual de la web.
Muchas gracias por todo y espero poder colaborar en mi aporte.
Hi to all, how is the whole thing, I think every one is getting more from this web page,
and your views are good for new people.
Here is my blog post – xe888 game
Excellent blog here! Also your site so much up fast!
What web host are you the usage of? Can I am getting your associate link for your host?
I desire my site loaded up as quickly as yours lol
my blog – https://coenergyloan.com/index.php?action=profile;u=207922
you are actually a good webmaster. The web site loading velocity is incredible.
It seems that you are doing any distinctive
trick. In addition, The contents are masterpiece. you’ve
performed a fantastic process in this subject!
It’s appropriate time to make some plans for the future and it is time to be
happy. I’ve read this post and if I could I desire to suggest you some interesting
things or suggestions. Perhaps you could write next articles
referring to this article. I desire to read even more things about it!
Feel free to surf to my blog: xe88 online
Nadie llevo mucho período usando Internet, quizá sea porque
no sabía lo adecuado.
Pero tengo que reconocer que páginas web como mi me hace notar muy bien. Mi nombre es %nombre_simple_masculino.dat% Y
soy un pequeño pueblo de %provincias_espana.dat%, comparto
muchos gustos y distracciones con el resto de la gentío de este blog.
Lo único que puedo decir es en hora generosa por la pensamiento y el diseño que le habéis
dado a mi página. Llevo mucho tiempo buscando escrutinio parecida y no he dado
con ella.
A fin de que seré un usuario frecuente de
la web.
Muchas gracias lucro todo y espero poder colaborar en mi
aporte.
Understanding the point spread and dollars line will allow you
to do that.
Thanks , I’ve recently been searching for info about this subject for ages and yours is the best I’ve found out till now.
However, what in regards to the conclusion? Are you positive concerning the supply?
my homepage: download game mega888 (duaxeoto.net)
We stumbled over here different page and thought I might check things out.
I like what I see so now i am following you. Look forward to checking out your web page again.
Review my web-site – mega888
Thanks for every other great article. The place else may just anyone get that type of information in such an ideal manner of writing?
I have a presentation next week, and I am on the search for such information.
Thank you for the auspicious writeup. It in fact was a amusement account it.
Look advanced to more added agreeable from you!
However, how could we communicate?
Thanks a lot for sharing this with all people you actually recognise
what you’re talking about! Bookmarked. Kindly additionally talk over with my
website =). We can have a hyperlink alternate arrangement among us
This web site certainly has all of the information and facts
I needed concerning this subject and didn’t know who to
ask.
Review my web blog – promote skin health
Hey there! Quick question that’s completely off topic. Do you
know how to make your site mobile friendly?
My website looks weird when viewing from my apple iphone.
I’m trying to find a template or plugin that might be able to fix this problem.
If you have any suggestions, please share. Many thanks!
Also visit my site … Xe88
Hello friends, how is all, and what you desire to say
concerning this article, in my view its really amazing designed for me.
I was curious if you ever considered changing the page layout of your website?
Its very well written; I love what youve got to say.
But maybe you could a little more in the way of content so
people could connect with it better. Youve got an awful lot of text for
only having one or 2 images. Maybe you could space it out better?
I do agree with all the concepts you’ve introduced
on your post. They’re very convincing and can definitely work.
Nonetheless, the posts are too quick for novices. May just
you please prolong them a little from subsequent
time? Thank you for the post.
Here is my web-site :: http://www.eqt8.cn
What a information of un-ambiguity and preserveness of precious know-how concerning unexpected emotions.
Here is my website; scr918kiss (Cathern)
Unquestionably believe that which you stated. Your favorite reason seemed to be
on the web the easiest thing to be aware of.
I say to you, I certainly get irked while people think about worries that they plainly don’t know
about. You managed to hit the nail upon the top and also defined out
the whole thing without having side effect , people could take a signal.
Will likely be back to get more. Thanks
Here is my page :: mega688
Thanks for any other informative web site. Where else could I
am getting that kind of information written in such a perfect approach?
I’ve a mission that I am simply now running on, and I’ve been at the glance
out for such info.
My website https://anatomieunesco.org/groups/locating-and-replacing-your-iphone-sim-card-1850854133/
generic sildenafil 20 mg tablet https://eunicesildenafilcitrate.com/ sildenafil prescription nz
Simply wanna comment on few general things, The website design is perfect, the subject matter
is real great :D.
My web blog; car-nicobar.indiaolx.com
tadalafil https://elitadalafill.com/ tadalafil max dose
alprostadil use after heart surgery https://alprostadildrugs.com/ alprostadil for sale online
vardenafil tablets 20 mg https://vegavardenafil.com/ vardenafil prices
Great delivery. Outstanding arguments. Keep up the
great spirit. 0mniartist asmr
Its like you read my mind! You seem to know so much about this, like
you wrote the book in it or something. I think that
you can do with some pics to drive the message home a little bit, but instead
of that, this is fantastic blog. An excellent read.
I will certainly be back.
my blog post: http://www.groovyfreeads.com/
Los comentarios están cerrados.