[:en]The Court of Justice of the European Union (CJEU) has presented its conclusions regarding the IRPH controversy. Thus, it has stipulated that the Index may be abusive due to lack of transparency, which is very good news for all those affected. This opens the door to the judicial cancellation of this type of mortgage.
The Advocate General of the CJEU, Maciej Szpunar, considers that the formula used to calculate the IRPH is too “complex”, a fact that makes it difficult for the consumer to make a decision on it “with full knowledge of the cause”.
Although such affirmation no is bindingIt is important to mention that the judges' decisions usually closely follow the assessments of the CJEU.
Return on interest paid
As explained by 'Diary 16', A person affected by the IRPH should have it returned all the interest that has been paid over the years if the measure were to be implemented. How does that translate into money?
In this sense, the media gives the following example: "For a mortgage of €180,000 signed in 2000 for 30 years with a spread of 0.5 %, the affected party could recover around €140,000." It is also indicated that if the index were replaced by the Euribor, the figure would be €37,000.[:ca]The Court of Justice of the European Union (CJEU) has presented six conclusions regarding the controversy of the 'IRPH. Així doncs, has stipulated that The index can be abused for lack of transparency, which was very good news for all those affected. In this way, it is on the basis that this type of mortgage is judicially annulled.
The general advocate of the CJEU, Maciej Szpunar, considers that the formula used to calculate the IRPH masscomplex”, which makes it difficult for the consumer to make a decision regarding “amb ple coneixement de la cause”.
Yes, it is true that such affirmation no is bindingIt is important to note that the decisions of the judges usually adjust closely to the assessments of the CJEU.
Return of interest paid
Such as exposure 'Diary 16', a person affected by the IRPH will have to wait to return All interest paid over the years if the measure is effective. Això com es tradueix en diners?
In this sense, the statement presents the following example: “For a mortgage of €180,000 signed in 2000 at 30 years with a spread of 0.5 %, the affected party could recover the amount of €140,000.” It is also indicated that in case the index is replaced by the Euribor, the figure would be €37,000.[:]