IRPH declared null in Álava

irph

 

The Álava Provincial Court has confirmed the nullity of IRPH as a benchmark for a mortgage, in sentence 10 March 2016.


El cliente había suscrito en septiembre de 2006 a mortgage amounting to 250.000 euros with Caja de Ahorros de Vitoria and Alava (Kutxabank today S.A.). Durante los primeros doce meses, a fixed interest was applied 4,25% and thereafter would apply the IRPH entity, más un margen de 0,50%. El tipo de referencia sustitutivo se establece en el IRPH Boxes.

In writing a type of remembers late interest at 17,5%.

The borrower to the bank requesting demand nullity of the clause sets the reference interest rate in the IRPH, así como de su sustitutivo por falta de transparencia y carácter abusivo. Se solicita igualmente la nullity of default interest by abusive.

The Commercial Court No. 1 Vitoria-Gasteiz, estimated demand filed by the customer, and he declared the nullity of the clause which referenced your mortgage loan IRPH entities and ordered the return of the amounts collected by way of remunerative interest, with costs to Kutxabank S.A. The default interest is also overridden by abusive.

The financial institution, filed recurso de apelación ante la Audiencia Provincial.

Sobre el carácter no negociado

La Sala nos recuerda los requirements to consider a clause as a general condition of recruitment:

  1. Contractuality: do not apply for legal imposition.
  2. Predisposition: The clause is prerredactada and is not the result of consensus between the parties.
  3. Imposition: by the employer.
  4. Generality: incorporated into a plurality of contracts.

The burden of proof that the clause is not intended for a plurality of contracts rests with the employer and in this case, the bank, no presentó evidencia alguna sobre la existencia de una negociación individual con el actor. Siguiendo la doctrina de la STS de 9 May 2013, the Chamber considers that it is a general condition of recruitment, because there was no individual negotiation.

Sobre el control de abusividad

For the Board, the clause establishing the IRPH as reference entities, defines the principal object of the contract and therefore, can not be subject to price control, but its transparency itself should be controlled (which includes both inclusion control and control of comprehensibility).

On Handling IRPH

The Court considers that IRPH is an official index, subject to the regulations of the Bank of Spain, y que las entidades financieras no pueden influir en su determinación. No considera acreditada la manipulación.

On transparency control

La Sala considera que el actor tuvo la oportunidad de conocer la cláusula que establecía el IRPH como índice de referencia y por tanto, it is considered "approved" control of incorporation.

Therefore, now analyze the control transparency: The client must understand the economic burden and the legal burden clause (STS 9 May 2013).

No explanation has some Kutxabank customer on how to calculate the IRPH, ni su comportamiento en los últimos años. La demandada omitió todo tipo de explicación sobre el IRPH.

Nor customer offered other alternatives interest rate to chose.

In summary, la cláusula que establece el tipo de referencia en el IRPH no pasa el control de transparencia pues se incorporó al contrato sin que la entidad bancaria se asegurase de que el cliente comprendía su contenido, without explaining the calculation method, or behavior, or differences with other indices, or offer alternatives.

The Chamber declares no interest shall be applied by disproportionate, to exceed approximately three times the legal interest of the year 2006 en que se celebró el contrato y en más del doble del interés ordinario.

In application of the doctrine of the ECJ (inter STJUE 21 January 2015), and Article 7 Directive 1993/13 / EEC, the contract must survive eliminating unfair terms, without possibility of integration by the judge.

Se desestima el recurso de Kutxabank y the nullity of IRPH is confirmed and applied default interest.

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