{"id":1696,"date":"2009-11-05T15:07:45","date_gmt":"2009-11-05T14:07:45","guid":{"rendered":"https:\/\/advocatsferrer.com\/contractacio-bancaria\/"},"modified":"2009-11-05T15:07:45","modified_gmt":"2009-11-05T14:07:45","slug":"contractacio-bancaria","status":"publish","type":"post","link":"https:\/\/advocatsferrer.com\/ca\/contractacio-bancaria\/","title":{"rendered":"Contractaci\u00f3 banc\u00e0ria"},"content":{"rendered":"<p>Un swap, tamb\u00e9 denominat permuta financera, \u00e9s un contracte pel qual dues parts es comprometen a intercanviar una s\u00e8rie de quantitats de diners en dates futures. Normalment els intercanvis de diners futurs estan referits a un tipus d'inter\u00e8s.<\/p>\n<p>Aquestes permutes s'estan convertint en una pr\u00e0ctica habitual de les entitats financeres, qui asseguren a un deutor, normalment hipotecari, un tipus d'inter\u00e8s m\u00e0xim, suportant l'entitat la difer\u00e8ncia per al cas de la pujada del tipus d'inter\u00e8s per sobre del tipus m\u00e0xim pactat. No obstant aix\u00f2, la realitat amb la qual s'est\u00e0 trobant el deutor en l'actualitat \u00e9s una baixada dels tipus d'inter\u00e8s i una quota mensual m\u00e9s que pagar.<\/p>\n<p>Ja existeixen Sent\u00e8ncies dictades per diferents Audi\u00e8ncies Provincials que han declarat la nul\u00b7litat d'aquest tipus de contractes, considerant-los com productes financers complexos i d'alt risc, oferts a clientela no qualificada, establint que el consentiment es va prestar per error essencial en el producte, a causa de la falta d'informaci\u00f3 facilitada per l'entitat banc\u00e0ria i a les cl\u00e0usules fosques del contracte.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Un swap, tamb\u00e9 denominat permuta financera, \u00e9s un contracte pel qual dues parts es comprometen a intercanviar una s\u00e8rie de quantitats de diners en dates futures. Normalment els intercanvis de diners futurs estan referits a un tipus d'inter\u00e8s. Aquestes permutes s'estan convertint en una pr\u00e0ctica habitual de les entitats financeres, qui asseguren a un deutor, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":239,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[],"tags":[],"class_list":["post-1696","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/advocatsferrer.com\/ca\/wp-json\/wp\/v2\/posts\/1696","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/advocatsferrer.com\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/advocatsferrer.com\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/advocatsferrer.com\/ca\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/advocatsferrer.com\/ca\/wp-json\/wp\/v2\/comments?post=1696"}],"version-history":[{"count":0,"href":"https:\/\/advocatsferrer.com\/ca\/wp-json\/wp\/v2\/posts\/1696\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/advocatsferrer.com\/ca\/wp-json\/wp\/v2\/media\/239"}],"wp:attachment":[{"href":"https:\/\/advocatsferrer.com\/ca\/wp-json\/wp\/v2\/media?parent=1696"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/advocatsferrer.com\/ca\/wp-json\/wp\/v2\/categories?post=1696"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/advocatsferrer.com\/ca\/wp-json\/wp\/v2\/tags?post=1696"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}