{"id":1879,"date":"2021-12-23T08:10:22","date_gmt":"2021-12-23T07:10:22","guid":{"rendered":"https:\/\/advocatsferrer.com\/comissio-apertura-que-es-i-per-que-es-abusiva\/"},"modified":"2021-12-23T08:05:20","modified_gmt":"2021-12-23T07:05:20","slug":"comissio-apertura-que-es-i-per-que-es-abusiva","status":"publish","type":"post","link":"https:\/\/advocatsferrer.com\/ca\/comissio-apertura-que-es-i-per-que-es-abusiva\/","title":{"rendered":"Comissi\u00f3 apertura, qu\u00e8 \u00e9s, i per qu\u00e8 \u00e9s abusiva?"},"content":{"rendered":"<p>Quan vas demanar el <strong>pr\u00e9stec<\/strong> \u00e9s possible que et cobr\u00e9ssin aquesta <strong>comissi\u00f3 d\u2019apertura<\/strong>. \u00a0Pot ser una quantitat fixe o un tant per cent del capital demanat del pr\u00e9stec (%).<\/p>\n<p>El trobes al pacte QUART.- i l\u2019import pot variar molt entre 600, 900... fins a 3.000 euros!<\/p>\n<p>La comissi\u00f3 d'apertura, segons expliquen els nostres advocats, es pot reclamar perqu\u00e8 el <strong>Tribunal Europeu<\/strong> considera que realment no obeeix a cap servei o despesa concreta diferenciada de la pr\u00f2pia activitat de prestar diners.<\/p>\n<p>Dit de manera plana, \u00e9s un invent del Banc per cobrar m\u00e9s. La prova \u00e9s que hi ha pr\u00e9stecs sense comissi\u00f3 d\u2019apertura.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Reclamaci\u00f3 d\u2019aquesta cl\u00e0usula abusiva<\/strong><\/p>\n<p>Es pot reclamar la comissi\u00f3 d\u2019apertura juntament amb les despeses, o no. A la prov\u00edncia de Girona els seus tribunals segueixen el criteri del Tribunal Europeu, m\u00e9s lliure de pressions que el criteri del Tribunal Suprem espanyol, enxampat en varies ocasions intentant protegir els Bancs com ha pogut succeir en casos com l\u2019 IAJD o la cl\u00e0usula sol.<\/p>\n<p>L\u2019Audi\u00e8ncia de Girona considera que sovint la comissi\u00f3 d\u2019apertura no correspon a cap servei prestat ni a despeses justificades.<\/p>\n<p>El Tribunal, igual que el Jutjat 3 de Girona, declararen nul\u00b7la la comissi\u00f3 d\u2019apertura i obliguen al Banc a la devoluci\u00f3 del seu import m\u00e9s els interessos des de que es va pagar la comissi\u00f3, cosa que fa pujar encara mes la suma recuperada.<\/p>\n<p>&nbsp;<\/p>\n<p>Et mostrem aqu\u00ed alguna mostra de sent\u00e8ncies on es condemna el Banc de Sabadell a pagar la comissi\u00f3 d\u2019apertura:<\/p>\n<p><a href=\"https:\/\/advocatsferrer.com\/wp-content\/uploads\/2021\/12\/Sentencia-gastos-despeses-comisio-apertura-Juzgado-de-Primera-Instancia-no-3-de-Girona.pdf\" target=\"_blank\" rel=\"noopener\">SENT\u00c8NCIA GIRONA CONDEMNA A BANC SABADELL A TORNAR DESPESES D'HIPOTECA I 900\u20ac DE COMISSI\u00d3 APERTURA<\/a><\/p>\n<p><a href=\"https:\/\/advocatsferrer.com\/wp-content\/uploads\/2021\/12\/Sentencia-gastos-despeses-Juzgado-de-Primera-Instancia-Tarragona.pdf\" target=\"_blank\" rel=\"noopener\">SENT\u00c8NCIA QUE CONDEMNA A PAGAR LES DESPESES D'HIPOTECA DICTADES PEL JUTJAT N\u00daM. 8 DE TARRAGONA<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Quan vas demanar el pr\u00e9stec \u00e9s possible que et cobr\u00e9ssin aquesta comissi\u00f3 d\u2019apertura. \u00a0Pot ser una quantitat fixe o un tant per cent del capital demanat del pr\u00e9stec (%). El trobes al pacte QUART.- i l\u2019import pot variar molt entre 600, 900... fins a 3.000 euros! La comissi\u00f3 d'apertura, segons expliquen els nostres advocats, es [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":900,"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-1879","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/advocatsferrer.com\/ca\/wp-json\/wp\/v2\/posts\/1879","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=1879"}],"version-history":[{"count":0,"href":"https:\/\/advocatsferrer.com\/ca\/wp-json\/wp\/v2\/posts\/1879\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/advocatsferrer.com\/ca\/wp-json\/wp\/v2\/media\/900"}],"wp:attachment":[{"href":"https:\/\/advocatsferrer.com\/ca\/wp-json\/wp\/v2\/media?parent=1879"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/advocatsferrer.com\/ca\/wp-json\/wp\/v2\/categories?post=1879"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/advocatsferrer.com\/ca\/wp-json\/wp\/v2\/tags?post=1879"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}