{"id":186,"date":"2015-06-11T12:29:49","date_gmt":"2015-06-11T10:29:49","guid":{"rendered":"http:\/\/www.lozano-abogados.es\/?p=131"},"modified":"2015-06-11T12:29:49","modified_gmt":"2015-06-11T10:29:49","slug":"el-tribunal-supremo-limita-al-2-el-tipo-de-los-intereses-de-demora-en-los-creditos-al-consumo","status":"publish","type":"post","link":"https:\/\/lozano-abogados.es\/en\/el-tribunal-supremo-limita-al-2-el-tipo-de-los-intereses-de-demora-en-los-creditos-al-consumo\/","title":{"rendered":"&#8211; El Tribunal Supremo limita al 2% el tipo de los intereses de demora en los cr\u00e9ditos al consumo"},"content":{"rendered":"<p style=\"text-align: justify;\">El Tribunal Supremo ha fijado un l\u00edmite a los intereses de demora que pueden cobrar los bancos en los pr\u00e9stamos personales (los que no son hipotecas). <strong>El Alto Tribunal emite la sentencia en la que estima que deben considerarse abusivos aquellos que superen en un 2% el inter\u00e9s que se ven\u00eda cobrando de forma habitual al consumidor.<\/strong><\/p>\n<p style=\"text-align: justify;\">La sentencia del Pleno de la Sala Civil desestima los recursos interpuestos por una entidad bancaria,\u00a0y se apoya en la doctrina del Tribunal de Justicia de la Uni\u00f3n Europea, declarando que <span style=\"text-decoration: underline;\"><strong>en los pr\u00e9stamos personales, sin garant\u00eda hipotecaria, concertados por consumidores, es abusiva la condici\u00f3n general que establece un inter\u00e9s de demora que supere en m\u00e1s de dos puntos porcentuales el inter\u00e9s remuneratorio.<\/strong><\/span><\/p>\n<p style=\"text-align: justify;\">Seg\u00fan explica el tribunal, la consecuencia pr\u00e1ctica de esta sentencia es que los intereses de demora que superen ese 2% deben tenerse por no puestos. De esa forma, el consumidor pasar\u00eda a no pagar ning\u00fan inter\u00e9s de demora, tan s\u00f3lo el llamado inter\u00e9s remuneratorio, es decir, que ven\u00eda pagando de forma habitual antes de incumplir los pagos.<\/p>\n<p style=\"text-align: justify;\">En la misma sentencia declara que en los contratos bancarios concertados con consumidores se presume que las cl\u00e1usulas constituyen condiciones generales de la contrataci\u00f3n y que son susceptibles de que los tribunales controlen la posible \u00ababusividad\u00bb.<\/p>\n<p style=\"text-align: justify;\">La excepci\u00f3n ser\u00edan casos en que se pruebe cumplidamente la existencia de negociaci\u00f3n y las contrapartidas que en ella obtuvo el consumidor. S\u00f3lo en esos se puede cobrar m\u00e1s del 2%.<\/p>","protected":false},"excerpt":{"rendered":"<p>El Tribunal Supremo ha fijado un l\u00edmite a los intereses de demora que pueden cobrar los bancos en los pr\u00e9stamos<\/p>","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[23],"tags":[],"class_list":["post-186","post","type-post","status-publish","format-standard","hentry","category-noticias"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>- El Tribunal Supremo limita al 2% el tipo de los intereses de demora en los cr\u00e9ditos al consumo - Lozano Abogados<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/lozano-abogados.es\/en\/el-tribunal-supremo-limita-al-2-el-tipo-de-los-intereses-de-demora-en-los-creditos-al-consumo\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"- El Tribunal Supremo limita al 2% el tipo de los intereses de demora en los cr\u00e9ditos al consumo - Lozano Abogados\" \/>\n<meta property=\"og:description\" content=\"El Tribunal Supremo ha fijado un l\u00edmite a los intereses de demora que pueden cobrar los bancos en los pr\u00e9stamos\" \/>\n<meta property=\"og:url\" content=\"https:\/\/lozano-abogados.es\/en\/el-tribunal-supremo-limita-al-2-el-tipo-de-los-intereses-de-demora-en-los-creditos-al-consumo\/\" \/>\n<meta property=\"og:site_name\" content=\"Lozano Abogados\" \/>\n<meta property=\"article:published_time\" content=\"2015-06-11T10:29:49+00:00\" \/>\n<meta name=\"author\" content=\"jclozano\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"jclozano\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/lozano-abogados.es\\\/el-tribunal-supremo-limita-al-2-el-tipo-de-los-intereses-de-demora-en-los-creditos-al-consumo\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/lozano-abogados.es\\\/el-tribunal-supremo-limita-al-2-el-tipo-de-los-intereses-de-demora-en-los-creditos-al-consumo\\\/\"},\"author\":{\"name\":\"jclozano\",\"@id\":\"https:\\\/\\\/lozano-abogados.es\\\/#\\\/schema\\\/person\\\/f43dc3f937586d11ca9f8a570cdfff0f\"},\"headline\":\"&#8211; 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