{"id":877,"date":"2021-12-10T00:00:00","date_gmt":"2021-12-10T00:00:00","guid":{"rendered":"https:\/\/despatxmoragues.com\/irph\/"},"modified":"2023-06-16T15:36:33","modified_gmt":"2023-06-16T15:36:33","slug":"irph","status":"publish","type":"post","link":"https:\/\/despatxmoragues.com\/ca\/irph\/","title":{"rendered":"IRPH en els pr\u00e9stecs hipotecaris"},"content":{"rendered":"

IRPH, \u00e9s l’\u00edndex de refer\u00e8ncia dels pr\u00e9stecs hipotecaris que utilitzaven les caixes, entitats i els bancs i que solia ser m\u00e9s elevat que l’EURIBOR.<\/h4>\n

L’inconvenient de l’IRPH es que amb la desaparici\u00f3 de l’IRPH dels bancs i de les caixes, s’aplica la cl\u00e0usula de tancament de les escriptures que indicava que quan succe\u00eds aquesta circumst\u00e0ncia, els pr\u00e9stecs hipotecaris passarien al tipus fixe que s’aplicava al novembre de l’any 2013 que es situava aproximadament al 4%.<\/p>\n

Els Jutjats i Audi\u00e8ncies Provincials han interpretat que aquesta cl\u00e0usula \u00e9s nul\u00b7la i que han d’aplicar l’IRPH d’1’7% de les entitats bancaries, tot i que encara estem pendents de que es pronunci\u00ed Europa.<\/p>\n

Per a m\u00e9s informaci\u00f3 sobre l’IRPH us deixem el seg\u00fcent enlla\u00e7: IRPH<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"

IRPH, \u00e9s l’\u00edndex de refer\u00e8ncia dels pr\u00e9stecs hipotecaris que utilitzaven les caixes, entitats i els bancs i que solia ser m\u00e9s elevat que l’EURIBOR. L’inconvenient de l’IRPH es que amb la desaparici\u00f3 de l’IRPH dels bancs i de les caixes, s’aplica la cl\u00e0usula de tancament de les escriptures que indicava que quan succe\u00eds aquesta circumst\u00e0ncia, […]<\/p>\n","protected":false},"author":2,"featured_media":3444,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[301],"tags":[],"class_list":["post-877","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-hipoteques-irph"],"_links":{"self":[{"href":"https:\/\/despatxmoragues.com\/ca\/wp-json\/wp\/v2\/posts\/877","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/despatxmoragues.com\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/despatxmoragues.com\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/despatxmoragues.com\/ca\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/despatxmoragues.com\/ca\/wp-json\/wp\/v2\/comments?post=877"}],"version-history":[{"count":6,"href":"https:\/\/despatxmoragues.com\/ca\/wp-json\/wp\/v2\/posts\/877\/revisions"}],"predecessor-version":[{"id":3700,"href":"https:\/\/despatxmoragues.com\/ca\/wp-json\/wp\/v2\/posts\/877\/revisions\/3700"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/despatxmoragues.com\/ca\/wp-json\/wp\/v2\/media\/3444"}],"wp:attachment":[{"href":"https:\/\/despatxmoragues.com\/ca\/wp-json\/wp\/v2\/media?parent=877"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/despatxmoragues.com\/ca\/wp-json\/wp\/v2\/categories?post=877"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/despatxmoragues.com\/ca\/wp-json\/wp\/v2\/tags?post=877"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}