Plusvalia-Municipal-Actualidad

The Spanish municipal added value tax discussion

3 April, 2018

Due to the economic crisis, there have been numerous transfers of real estate that have generated losses in recent years. However, the City Councils have continued to require the payment of the tax on the increase of the value of the land (in Spanish the…

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Un juez consulta al TJUE sobre la transparencia del Índice Hipotecario.

A judge consults the CJEU on the transparency of the Mortgage IRPH Index.

5 February, 2018

In my last post, I commented the Judgment of the Spanish Supreme Court of December 14, 2017 regarding the IRPH reference index for mortgage loans. In this resolution, the Supreme Court understood that the said index did not have to be submitted to transparency control….

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¿Qué es el índice IRPH?

Abusive clauses in bank contracts are being delimited: now the IRPH index.

27 December, 2017

On 14th December, 2017, the Supreme Court issued un expected Judgment regarding the reference index of mortgage loans (called IRPH); with the exception of two of the Magistrates, the Judgement considers the position defended by Kutxabank, arguing that the mortgage loans with variable interest referenced…

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Datos_Clientes_Entidades_Bancarias

Free transfer of client data between banks

13 November, 2017

January 13, 2018 is the deadline for transposition of the Directive (EU) 2015/2366 of November 25, 2015 on payment services in the domestic market, into the legislation of the Member States; this new Directive repeals the previous regulation. The purpose of this directive is to…

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Accionistas del Banco Popular: ¿y ahora qué?

Shareholders of Banco Popular: what to do now?

30 October, 2017

Last July we had an unusual and surprising episode (different, in essence, from those with which we are used to): the fall of the Banco Popular and its subsequent sale to Banco Santander. Last July we had an unusual and surprising episode (different, in essence,…

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Revision-Clausulas-Suelo-Noticias-D

Responsabilidad del Estado por no examinar de oficio el carácter abusivo de una cláusula contractual por parte de la Autoridad Judicial.

16 March, 2017

Estos últimos días estamos recibiendo numerosas noticias respecto de las cláusulas abusivas aplicadas por las entidades bancarias en los contratos de préstamos hipotecarios: cláusula suelo, interés IRPH, gastos de la constitución de la propia hipoteca, condiciones del vencimiento anticipado, responsabilidad universal (versus dación en pago),…

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¿Cómo recuperar las inversiones realizadas en Bankia?

3 March, 2016

Al hilo de la noticia que publicábamos el día 1 de febrero de 2016 acerca de la Sentencia del  Tribunal Supremo por la que se anula la compra de acciones de la salida a Bolsa de Bankia por entender que hubo engaño, y tal como…

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