{"id":554,"date":"2020-12-23T10:48:38","date_gmt":"2020-12-23T10:48:38","guid":{"rendered":"https:\/\/www.mdrubior.com\/blog\/?p=554"},"modified":"2021-01-06T13:16:27","modified_gmt":"2021-01-06T13:16:27","slug":"recupera-los-gastos-de-tu-hipoteca","status":"publish","type":"post","link":"https:\/\/www.mdrubior.com\/blog\/recupera-los-gastos-de-tu-hipoteca\/","title":{"rendered":"Recupera los gastos de tu hipoteca"},"content":{"rendered":"\n<p>Si la firmaste entre 2016 y 2020, podr\u00e1s recuperar los gastos de formalizaci\u00f3n de tu hipoteca : notar\u00eda, registro y gestor\u00eda.<br><br><strong>Las devoluciones tienen fecha de caducidad<\/strong>. Tras varios cambios de criterio, <strong>en 2019 el Tribunal Supremo fij\u00f3 el reparto de los gastos de manera que los consumidores solo pod\u00edan reclamar la mitad del coste de la formalizaci\u00f3n.<\/strong> Para algunos, la reciente sentencia del Tribunal de Justicia de la Uni\u00f3n Europea (TJUE) vino a ratificar lo resuelto por el Supremo y para otros ampli\u00f3 la posibilidad de reclamaci\u00f3n a la totalidad de los gastos de formalizaci\u00f3n de la hipoteca. En concreto, el plazo es de 10 a\u00f1os seg\u00fan la Audiencia Provincial de Barcelona.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">\u00bfPor qu\u00e9 los gastos son nulos?<\/h4>\n\n\n\n<p>El 23 de diciembre de 2015 el Tribunal Supremo hizo p\u00fablica una sentencia en la que se declaraba abusiva la imposici\u00f3n de la totalidad de los gastos de formalizaci\u00f3n de una hipoteca al cliente, ya que <strong>no exist\u00eda un reparto adecuado del pago de los gastos&nbsp;de notar\u00eda, de registro y de gestor\u00eda<\/strong>.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">\u00bfA cu\u00e1nto puede ascender la devoluci\u00f3n?<\/h4>\n\n\n\n<p>A modo de ejemplo, para un hipoteca de 150.000 euros contratada en 2016 en la que el banco cobr\u00f3 m\u00e1s<strong>&nbsp;gastos de constituci\u00f3n&nbsp;<\/strong>de los que deb\u00eda, la devoluci\u00f3n deber\u00eda ascender a 430 euros en gastos de notar\u00eda, 375 euros en gastos de registro y 200 en gastos de gestor\u00eda. En total,&nbsp;<strong>1.005 euros<\/strong>. Adem\u00e1s, si su comisi\u00f3n de apertura fuera declarada abusiva, podr\u00eda recuperar lo pagado por ella. En este ejemplo, para una <strong>comisi\u00f3n media del 0,5%, su coste ser\u00eda de 750 euros<\/strong>. No obstante, la comisi\u00f3n de apertura puede ser mayor, alcanzando un 2% o 3%. En tal caso, la devoluci\u00f3n ser\u00eda de hasta 4.500 euros para una hipoteca de 150.000 euros con una comisi\u00f3n de apertura del 3%. Para tener el montante final, a los gastos de registro y la comisi\u00f3n de apertura hay que sumarle el <strong>ahorro de las costas procesales, que corren a cargo de la entidad.<\/strong><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">\u00bfHasta cu\u00e1ndo?<\/h4>\n\n\n\n<p>La Audiencia Provincial de Barcelona ha dictaminado que la acci\u00f3n para reclamar&nbsp;estos&nbsp;gastos incurridos en la concesi\u00f3n de un pr\u00e9stamo hipotecario es prescriptible.  De esta manera, los gastos pagados hace <strong>10 a\u00f1os<\/strong> <strong>o m\u00e1s<\/strong> no se podr\u00e1n reclamar, sino se han reclamado ya, lo que repercutir\u00e1 en que&nbsp;miles&nbsp;de reclamaciones ser\u00e1n desestimadas. Adem\u00e1s debe c<strong>ontarse desde el d\u00eda en que se pag\u00f3 la \u00faltima de las facturas de los gastos<\/strong>.<\/p>\n\n\n\n<p>Esta&nbsp;postura no queda en entredicho por la STJUE de fecha 16\/07\/2020, dado <strong>garantiza el principio de efectividad<\/strong>, atendido que el plazo es largo, al pagar la \u00faltima factura el consumidor conoce el perjuicio sufrido y porque la prescripci\u00f3n es f\u00e1cilmente interrumpible con una mera reclamaci\u00f3n en la oficina bancaria o v\u00eda correo electr\u00f3nico.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">\u00bfC\u00f3mo reclamar los gastos hipotecarios?<\/h4>\n\n\n\n<p>\u00a1<strong>Recupera los gastos de formalizaci\u00f3n de tu hipoteca<\/strong>! Tras la sentencia del Tribunal Supremo, los consumidores tienen derecho a recuperar los gastos hipotecarios abusivos. En <strong>Rubio Abogados<\/strong> evaluamos tu caso sin compromiso. \u00a1Inf\u00f3rmate YA! Ll\u00e1manos <a href=\"tel:676 400 517\">676 400 517<\/a> &#8211; <a href=\"tel:963 660 361\">963 660 361<\/a><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Si la firmaste entre 2016 y 2020, podr\u00e1s recuperar los gastos de formalizaci\u00f3n de tu hipoteca : notar\u00eda, registro, impuesto de actos jur\u00eddicos documentados, etc.<\/p>\n","protected":false},"author":1,"featured_media":557,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_joinchat":[],"footnotes":""},"categories":[1],"tags":[40,24],"class_list":["post-554","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sin-categoria","tag-gastos-abusivos","tag-hipoteca"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Recupera los gastos de tu hipoteca - Rubio Abogados<\/title>\n<meta name=\"description\" content=\"Si la firmaste entre 2016 y 2020, podr\u00e1s recuperar los gastos de formalizaci\u00f3n de tu hipoteca : notar\u00eda, registro y gestor\u00eda. Las devoluciones tienen fecha de caducidad\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.mdrubior.com\/blog\/recupera-los-gastos-de-tu-hipoteca\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Recupera los gastos de tu hipoteca - Rubio Abogados\" \/>\n<meta property=\"og:description\" content=\"Si la firmaste entre 2016 y 2020, podr\u00e1s recuperar los gastos de formalizaci\u00f3n de tu hipoteca : notar\u00eda, registro y gestor\u00eda. Las devoluciones tienen fecha de caducidad\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.mdrubior.com\/blog\/recupera-los-gastos-de-tu-hipoteca\/\" \/>\n<meta property=\"og:site_name\" content=\"Rubio Abogados\" \/>\n<meta property=\"article:published_time\" content=\"2020-12-23T10:48:38+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-01-06T13:16:27+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.mdrubior.com\/blog\/wp-content\/uploads\/2020\/12\/hipotecas.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"830\" \/>\n\t<meta property=\"og:image:height\" content=\"300\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.mdrubior.com\\\/blog\\\/recupera-los-gastos-de-tu-hipoteca\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.mdrubior.com\\\/blog\\\/recupera-los-gastos-de-tu-hipoteca\\\/\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\\\/\\\/www.mdrubior.com\\\/blog\\\/#\\\/schema\\\/person\\\/f5433c409a2ac00b9ed29af5b439c95d\"},\"headline\":\"Recupera los gastos de tu hipoteca\",\"datePublished\":\"2020-12-23T10:48:38+00:00\",\"dateModified\":\"2021-01-06T13:16:27+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.mdrubior.com\\\/blog\\\/recupera-los-gastos-de-tu-hipoteca\\\/\"},\"wordCount\":547,\"image\":{\"@id\":\"https:\\\/\\\/www.mdrubior.com\\\/blog\\\/recupera-los-gastos-de-tu-hipoteca\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.mdrubior.com\\\/blog\\\/wp-content\\\/uploads\\\/2020\\\/12\\\/hipotecas.jpg\",\"keywords\":[\"gastos abusivos\",\"hipoteca\"],\"inLanguage\":\"es\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.mdrubior.com\\\/blog\\\/recupera-los-gastos-de-tu-hipoteca\\\/\",\"url\":\"https:\\\/\\\/www.mdrubior.com\\\/blog\\\/recupera-los-gastos-de-tu-hipoteca\\\/\",\"name\":\"Recupera los gastos de tu hipoteca - Rubio Abogados\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.mdrubior.com\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.mdrubior.com\\\/blog\\\/recupera-los-gastos-de-tu-hipoteca\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.mdrubior.com\\\/blog\\\/recupera-los-gastos-de-tu-hipoteca\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.mdrubior.com\\\/blog\\\/wp-content\\\/uploads\\\/2020\\\/12\\\/hipotecas.jpg\",\"datePublished\":\"2020-12-23T10:48:38+00:00\",\"dateModified\":\"2021-01-06T13:16:27+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/www.mdrubior.com\\\/blog\\\/#\\\/schema\\\/person\\\/f5433c409a2ac00b9ed29af5b439c95d\"},\"description\":\"Si la firmaste entre 2016 y 2020, podr\u00e1s recuperar los gastos de formalizaci\u00f3n de tu hipoteca : notar\u00eda, registro y gestor\u00eda. Las devoluciones tienen fecha de caducidad\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.mdrubior.com\\\/blog\\\/recupera-los-gastos-de-tu-hipoteca\\\/#breadcrumb\"},\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.mdrubior.com\\\/blog\\\/recupera-los-gastos-de-tu-hipoteca\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\\\/\\\/www.mdrubior.com\\\/blog\\\/recupera-los-gastos-de-tu-hipoteca\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.mdrubior.com\\\/blog\\\/wp-content\\\/uploads\\\/2020\\\/12\\\/hipotecas.jpg\",\"contentUrl\":\"https:\\\/\\\/www.mdrubior.com\\\/blog\\\/wp-content\\\/uploads\\\/2020\\\/12\\\/hipotecas.jpg\",\"width\":830,\"height\":300},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.mdrubior.com\\\/blog\\\/recupera-los-gastos-de-tu-hipoteca\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Portada\",\"item\":\"https:\\\/\\\/www.mdrubior.com\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Recupera los gastos de tu hipoteca\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.mdrubior.com\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/www.mdrubior.com\\\/blog\\\/\",\"name\":\"Rubio Abogados\",\"description\":\"Tu despacho jur\u00eddico en Valencia\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.mdrubior.com\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"es\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.mdrubior.com\\\/blog\\\/#\\\/schema\\\/person\\\/f5433c409a2ac00b9ed29af5b439c95d\",\"name\":\"admin\",\"url\":\"https:\\\/\\\/www.mdrubior.com\\\/blog\\\/author\\\/admin\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Recupera los gastos de tu hipoteca - Rubio Abogados","description":"Si la firmaste entre 2016 y 2020, podr\u00e1s recuperar los gastos de formalizaci\u00f3n de tu hipoteca : notar\u00eda, registro y gestor\u00eda. Las devoluciones tienen fecha de caducidad","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.mdrubior.com\/blog\/recupera-los-gastos-de-tu-hipoteca\/","og_locale":"es_ES","og_type":"article","og_title":"Recupera los gastos de tu hipoteca - Rubio Abogados","og_description":"Si la firmaste entre 2016 y 2020, podr\u00e1s recuperar los gastos de formalizaci\u00f3n de tu hipoteca : notar\u00eda, registro y gestor\u00eda. Las devoluciones tienen fecha de caducidad","og_url":"https:\/\/www.mdrubior.com\/blog\/recupera-los-gastos-de-tu-hipoteca\/","og_site_name":"Rubio Abogados","article_published_time":"2020-12-23T10:48:38+00:00","article_modified_time":"2021-01-06T13:16:27+00:00","og_image":[{"width":830,"height":300,"url":"https:\/\/www.mdrubior.com\/blog\/wp-content\/uploads\/2020\/12\/hipotecas.jpg","type":"image\/jpeg"}],"author":"admin","twitter_card":"summary_large_image","twitter_misc":{"Escrito por":"admin","Tiempo de lectura":"3 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.mdrubior.com\/blog\/recupera-los-gastos-de-tu-hipoteca\/#article","isPartOf":{"@id":"https:\/\/www.mdrubior.com\/blog\/recupera-los-gastos-de-tu-hipoteca\/"},"author":{"name":"admin","@id":"https:\/\/www.mdrubior.com\/blog\/#\/schema\/person\/f5433c409a2ac00b9ed29af5b439c95d"},"headline":"Recupera los gastos de tu hipoteca","datePublished":"2020-12-23T10:48:38+00:00","dateModified":"2021-01-06T13:16:27+00:00","mainEntityOfPage":{"@id":"https:\/\/www.mdrubior.com\/blog\/recupera-los-gastos-de-tu-hipoteca\/"},"wordCount":547,"image":{"@id":"https:\/\/www.mdrubior.com\/blog\/recupera-los-gastos-de-tu-hipoteca\/#primaryimage"},"thumbnailUrl":"https:\/\/www.mdrubior.com\/blog\/wp-content\/uploads\/2020\/12\/hipotecas.jpg","keywords":["gastos abusivos","hipoteca"],"inLanguage":"es"},{"@type":"WebPage","@id":"https:\/\/www.mdrubior.com\/blog\/recupera-los-gastos-de-tu-hipoteca\/","url":"https:\/\/www.mdrubior.com\/blog\/recupera-los-gastos-de-tu-hipoteca\/","name":"Recupera los gastos de tu hipoteca - Rubio Abogados","isPartOf":{"@id":"https:\/\/www.mdrubior.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.mdrubior.com\/blog\/recupera-los-gastos-de-tu-hipoteca\/#primaryimage"},"image":{"@id":"https:\/\/www.mdrubior.com\/blog\/recupera-los-gastos-de-tu-hipoteca\/#primaryimage"},"thumbnailUrl":"https:\/\/www.mdrubior.com\/blog\/wp-content\/uploads\/2020\/12\/hipotecas.jpg","datePublished":"2020-12-23T10:48:38+00:00","dateModified":"2021-01-06T13:16:27+00:00","author":{"@id":"https:\/\/www.mdrubior.com\/blog\/#\/schema\/person\/f5433c409a2ac00b9ed29af5b439c95d"},"description":"Si la firmaste entre 2016 y 2020, podr\u00e1s recuperar los gastos de formalizaci\u00f3n de tu hipoteca : notar\u00eda, registro y gestor\u00eda. Las devoluciones tienen fecha de caducidad","breadcrumb":{"@id":"https:\/\/www.mdrubior.com\/blog\/recupera-los-gastos-de-tu-hipoteca\/#breadcrumb"},"inLanguage":"es","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.mdrubior.com\/blog\/recupera-los-gastos-de-tu-hipoteca\/"]}]},{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/www.mdrubior.com\/blog\/recupera-los-gastos-de-tu-hipoteca\/#primaryimage","url":"https:\/\/www.mdrubior.com\/blog\/wp-content\/uploads\/2020\/12\/hipotecas.jpg","contentUrl":"https:\/\/www.mdrubior.com\/blog\/wp-content\/uploads\/2020\/12\/hipotecas.jpg","width":830,"height":300},{"@type":"BreadcrumbList","@id":"https:\/\/www.mdrubior.com\/blog\/recupera-los-gastos-de-tu-hipoteca\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Portada","item":"https:\/\/www.mdrubior.com\/blog\/"},{"@type":"ListItem","position":2,"name":"Recupera los gastos de tu hipoteca"}]},{"@type":"WebSite","@id":"https:\/\/www.mdrubior.com\/blog\/#website","url":"https:\/\/www.mdrubior.com\/blog\/","name":"Rubio Abogados","description":"Tu despacho jur\u00eddico en Valencia","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.mdrubior.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"es"},{"@type":"Person","@id":"https:\/\/www.mdrubior.com\/blog\/#\/schema\/person\/f5433c409a2ac00b9ed29af5b439c95d","name":"admin","url":"https:\/\/www.mdrubior.com\/blog\/author\/admin\/"}]}},"_links":{"self":[{"href":"https:\/\/www.mdrubior.com\/blog\/wp-json\/wp\/v2\/posts\/554","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.mdrubior.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.mdrubior.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.mdrubior.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.mdrubior.com\/blog\/wp-json\/wp\/v2\/comments?post=554"}],"version-history":[{"count":3,"href":"https:\/\/www.mdrubior.com\/blog\/wp-json\/wp\/v2\/posts\/554\/revisions"}],"predecessor-version":[{"id":562,"href":"https:\/\/www.mdrubior.com\/blog\/wp-json\/wp\/v2\/posts\/554\/revisions\/562"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.mdrubior.com\/blog\/wp-json\/wp\/v2\/media\/557"}],"wp:attachment":[{"href":"https:\/\/www.mdrubior.com\/blog\/wp-json\/wp\/v2\/media?parent=554"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mdrubior.com\/blog\/wp-json\/wp\/v2\/categories?post=554"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mdrubior.com\/blog\/wp-json\/wp\/v2\/tags?post=554"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}