{"id":7660,"date":"2021-03-05T13:27:24","date_gmt":"2021-03-05T13:27:24","guid":{"rendered":"https:\/\/www.redpiso.es\/news\/?p=7660"},"modified":"2021-03-05T13:27:24","modified_gmt":"2021-03-05T13:27:24","slug":"que-es-la-clausula-suelo","status":"publish","type":"post","link":"https:\/\/www.redpiso.es\/news\/que-es-la-clausula-suelo\/","title":{"rendered":"\u00bfQu\u00e9 es la cl\u00e1usula suelo?"},"content":{"rendered":"<p>La cl\u00e1usula suelo, estipulada\u00a0 previamente en un contrato hipotecario, <strong>sirve para establecer que el inter\u00e9s variable nunca pueda ser inferior a un determinado porcentaje.<\/strong> Es decir, limita que aunque el tipo de inter\u00e9s sea inferior, el consumidor no pueda beneficiarse de esa reducci\u00f3n en sus cuotas. Por otro lado, el suelo es el tipo de inter\u00e9s m\u00ednimo que se va pagar por el pr\u00e9stamo hipotecario. Es decir, con independencia de que se haya pactado un tipo de inter\u00e9s variable para la hipoteca, es un tipo de inter\u00e9s con un m\u00ednimo fijo.<\/p>\n<p>En Espa\u00f1a, las cl\u00e1usulas suelo son ilegales y\u00a0<strong>se consideran de car\u00e1cter abusivo y nulas desde el a\u00f1o 2013<\/strong>, cuando no han sido ofrecidas con la suficiente transparencia por la entidad bancaria. Por ese motivo, los consumidores tienen el derecho a reclamar los gastos de las cl\u00e1usulas suelo.<\/p>\n<h3><strong>\u00bfQui\u00e9n tiene derecho a reclamarla?<\/strong><\/h3>\n<p>Todos los consumidores, aunque tengan en curso un procedimiento judicial sobre la\u00a0cl\u00e1usula suelo, tienen\u00a0derecho a reclamar este proceso, sin\u00a0que por ello se puedan ver afectados tanto ellos como sus derechos\u00a0en el procedimiento judicial.<\/p>\n<h3><strong>\u00bfDe cu\u00e1nto suele ser?<\/strong><\/h3>\n<p>Este dato va depender de cada entidad bancaria, de la promoci\u00f3n concreta de cada entidad y en algunos casos de tipo de pr\u00e9stamo del cliente. Lo m\u00e1s habitual es que est\u00e9n entre el 2,5 y 5%.<\/p>\n<h3><strong>\u00bfC\u00f3mo identificar cl\u00e1usula suelo en una escritura?<\/strong><\/h3>\n<p>Si dicho inter\u00e9s est\u00e1 redondeado, caso de un 4 % o 3,5 % muy probablemente estemos ante una\u00a0cl\u00e1usula suelo. Puedes comprobarlo si al sumar el diferencial y tipo de inter\u00e9s, el resultado arroja una cantidad menor a lo que realmente pagamos. Si es as\u00ed, es que existe\u00a0cl\u00e1usula suelo.<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La cl\u00e1usula suelo, estipulada\u00a0 previamente en un contrato hipotecario, sirve para establecer que el inter\u00e9s variable nunca pueda ser inferior a un determinado porcentaje. Es decir, limita que aunque el tipo de inter\u00e9s sea inferior, el consumidor no pueda beneficiarse de esa reducci\u00f3n en sus cuotas. Por otro lado, el suelo es el tipo de inter\u00e9s m\u00ednimo que se va [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":7665,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[1447,1444,1446,13,1445,10],"class_list":["post-7660","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-general","tag-abusivo","tag-clausula-suelo","tag-entidad-bancaria","tag-inmobiliaria","tag-reclamarlo","tag-redpiso"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u00bfQu\u00e9 es la cl\u00e1usula suelo?<\/title>\n<meta name=\"description\" content=\"Te explicamos qu\u00e9 es la cl\u00e1usula suelo, c\u00f3mo saber si tu hipoteca la tiene y qu\u00e9 hacer para reclamarla\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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