{"id":393,"date":"2023-05-20T17:33:57","date_gmt":"2023-05-20T17:33:57","guid":{"rendered":"https:\/\/bikoabokatuak.com\/banku-zuzenbidea\/"},"modified":"2023-07-12T10:48:58","modified_gmt":"2023-07-12T10:48:58","slug":"derecho-bancario","status":"publish","type":"page","link":"https:\/\/bikoabokatuak.com\/es\/derecho-bancario\/","title":{"rendered":"Derecho Bancario"},"content":{"rendered":"<p>[et_pb_section fb_built=\u00bb1&#8243; module_class=\u00bbsectionFamilia\u00bb _builder_version=\u00bb4.21.0&#8243; _module_preset=\u00bbdefault\u00bb background_image=\u00bbhttps:\/\/bikoabokatuak.com\/bitartekoak\/osagarriak\/mediak\/2023\/06\/groovepaper.png\u00bb background_size=\u00bbinitial\u00bb background_position=\u00bbtop_left\u00bb background_repeat=\u00bbrepeat\u00bb custom_padding=\u00bb0px||0px|||\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_row module_class=\u00bbrowBat\u00bb _builder_version=\u00bb4.21.0&#8243; _module_preset=\u00bbdefault\u00bb use_background_color_gradient=\u00bbon\u00bb background_color_gradient_direction=\u00bb90deg\u00bb background_color_gradient_stops=\u00bb#2e3333 50%|#ffffff 50%\u00bb background_image=\u00bbhttps:\/\/bikoabokatuak.com\/bitartekoak\/osagarriak\/mediak\/2023\/06\/groovepaper.png\u00bb background_size=\u00bbcontain\u00bb background_position=\u00bbtop_left\u00bb background_repeat=\u00bbrepeat\u00bb width=\u00bb100%\u00bb max_width=\u00bb100%\u00bb custom_padding=\u00bb0px||0px|||\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_column type=\u00bb4_4&#8243; _builder_version=\u00bb4.21.0&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_code _builder_version=\u00bb4.21.0&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb]<\/p>\n<div class=\"familia_A\"><!-- [et_pb_line_break_holder] -->\t<\/p>\n<div class=\"familiaHeader\"><!-- [et_pb_line_break_holder] -->\t\t<\/p>\n<div class=\"familiaHeader_a\"><\/div>\n<p><!-- [et_pb_line_break_holder] -->\t\t<\/p>\n<div class=\"familiaHeader_b\"><!-- [et_pb_line_break_holder] -->\t\t\t<\/p>\n<h1>Derecho <!\u2013- [et_pb_br_holder] -\u2013>Bancario<\/h1>\n<p><!-- [et_pb_line_break_holder] -->\t\t<\/div>\n<p><!-- [et_pb_line_break_holder] -->\t<\/div>\n<p><!-- [et_pb_line_break_holder] -->\t<\/p>\n<div class=\"familiaHeaderMenu\"><!-- [et_pb_line_break_holder] -->\t\t<\/p>\n<div class=\"familiaLink flUrdina fmenu\"><a href=\"https:\/\/bikoabokatuak.com\/es\/derecho-de-familia\/\">Derecho de Familia<\/a><\/div>\n<p><!-- [et_pb_line_break_holder] -->\t\t<\/p>\n<div class=\"bankuLink flUrdina fmenu\"><a href=\"https:\/\/bikoabokatuak.com\/es\/derecho-bancario\/\">Derecho Bancario<\/a><\/div>\n<p>\t\t<!-- [et_pb_line_break_holder] -->\t<\/div>\n<p><!-- [et_pb_line_break_holder] --><\/div>\n<p><!-- [et_pb_line_break_holder] -->[\/et_pb_code][\/et_pb_column][\/et_pb_row][et_pb_row module_class=\u00bbrowBi\u00bb _builder_version=\u00bb4.21.0&#8243; _module_preset=\u00bbdefault\u00bb width=\u00bb100%\u00bb max_width=\u00bb100%\u00bb custom_padding=\u00bb0px||0px|||\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_column type=\u00bb4_4&#8243; _builder_version=\u00bb4.21.0&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_code _builder_version=\u00bb4.21.0&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb]<\/p>\n<div class=\"familia_B\"><!-- [et_pb_line_break_holder] -->\t<\/p>\n<div class=\"familiaEdukia\"><!-- [et_pb_line_break_holder] -->\t\t<\/p>\n<div class=\"familiaArgazkia\"><!-- [et_pb_line_break_holder] -->\t\t\t<img decoding=\"async\" src=\"\/bitartekoak\/irudiak\/Banku-03.jpg\"><!-- [et_pb_line_break_holder] -->\t\t\t<img decoding=\"async\" src=\"\/bitartekoak\/irudiak\/Banku-04.jpg\"><!-- [et_pb_line_break_holder] -->\t\t<\/div>\n<p><!-- [et_pb_line_break_holder] -->\t\t<\/p>\n<div class=\"familiaTestua\"><!-- [et_pb_line_break_holder] -->\t\t\t<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\t\t\t<\/p>\n<div class=\"familiaArloak_n\"><!-- [et_pb_line_break_holder] -->\t\t\t\t<\/p>\n<div class=\"familiaArloa\"><!-- [et_pb_line_break_holder] -->\t\t\t\t\t<\/p>\n<h2 href=\"\">Cl\u00e1usulas Hipotecarias<\/h2>\n<p><!-- [et_pb_line_break_holder] -->\t\t\t\t\t<pee>Las cl\u00e1usulas abusivas hipotecarias son disposiciones injustas o desequilibradas en los contratos de pr\u00e9stamos hipotecarios que perjudican al consumidor. Pueden incluir intereses abusivos, cl\u00e1usulas de vencimiento anticipado o falta de transparencia en la informaci\u00f3n. Estas cl\u00e1usulas est\u00e1n prohibidas por la ley en muchos pa\u00edses para proteger a los prestatarios de pr\u00e1cticas injustas por parte de las entidades financieras.<\/pee><!-- [et_pb_line_break_holder] -->\t\t\t\t<\/div>\n<p><!-- [et_pb_line_break_holder] -->\t\t\t\t<\/p>\n<div class=\"familiaArloa\"><!-- [et_pb_line_break_holder] -->\t\t\t\t\t<\/p>\n<h2 href=\"\">Gastos Hipotecarios<\/h2>\n<p><!-- [et_pb_line_break_holder] -->\t\t\t\t\t<pee>Los gastos hipotecarios son los costos asociados con la obtenci\u00f3n de un pr\u00e9stamo hipotecario para comprar una vivienda. Incluyen tasas, seguros, comisiones y honorarios legales. Estos gastos pueden variar seg\u00fan el pa\u00eds y el tipo de pr\u00e9stamo, y es importante tenerlos en cuenta al planificar la compra de una propiedad.<\/pee><!-- [et_pb_line_break_holder] -->\t\t\t\t<\/div>\n<p><!-- [et_pb_line_break_holder] -->\t\t\t\t<\/p>\n<div class=\"familiaArloa\"><!-- [et_pb_line_break_holder] -->\t\t\t\t\t<\/p>\n<h2 href=\"\">Intereses de Demora<\/h2>\n<p><!-- [et_pb_line_break_holder] -->\t\t\t\t\t<pee>Las cl\u00e1usulas de inter\u00e9s de demora son estipulaciones en contratos de pr\u00e9stamos que imponen un inter\u00e9s adicional en caso de demora en el pago. Pueden resultar en cargos financieros significativos para el prestatario. Existen regulaciones para limitar estos intereses abusivos y proteger a los consumidores de posibles abusos por parte de las entidades financieras.<\/pee><!-- [et_pb_line_break_holder] -->\t\t\t\t<\/div>\n<p><!-- [et_pb_line_break_holder] -->\t\t\t\t<\/p>\n<div class=\"familiaArloa\"><!-- [et_pb_line_break_holder] -->\t\t\t\t\t<\/p>\n<h2 href=\"\">Nulidad de Hipotecas<\/h2>\n<p><!-- [et_pb_line_break_holder] -->\t\t\t\t\t<pee>La nulidad de hipotecas por tasaciones bancarias incorrectas ocurre cuando se demuestra que el valor de tasaci\u00f3n de una propiedad ha sido inflado artificialmente por el banco. Esto puede llevar a cabo una sobrevaloraci\u00f3n del inmueble ya pr\u00e9stamos hipotecarios m\u00e1s altos. En algunos casos, los tribunales pueden declarar la nulidad de la hipoteca y ordenar la devoluci\u00f3n de los intereses y comisiones cobrados en exceso.<\/pee><!-- [et_pb_line_break_holder] -->\t\t\t\t<\/div>\n<p><!-- [et_pb_line_break_holder] -->\t\t\t\t<\/p>\n<div class=\"familiaArloa\"><!-- [et_pb_line_break_holder] -->\t\t\t\t\t<\/p>\n<h2 href=\"\">Cl\u00e1usulas Suelo<\/h2>\n<p><!-- [et_pb_line_break_holder] -->\t\t\t\t\t<pee>Las cl\u00e1usulas hipotecarias son disposiciones en contratos que garantizan un l\u00edmite m\u00ednimo para el tipo de inter\u00e9s variable aplicado a la hipoteca. Esto impide que los intereses pagados por el prestatario disminuyan en caso de que los tipos de inter\u00e9s bajen. Estas cl\u00e1usulas han sido consideradas abusivas en algunos pa\u00edses y los tribunales han ordenado su eliminaci\u00f3n y la devoluci\u00f3n de los intereses cobrados en exceso.<\/pee><!-- [et_pb_line_break_holder] -->\t\t\t\t<\/div>\n<p><!-- [et_pb_line_break_holder] -->\t\t\t<\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\t\t<\/div>\n<p><!-- [et_pb_line_break_holder] -->\t<\/div>\n<p><!-- [et_pb_line_break_holder] -->\t<\/p>\n<div class=\"familiaMenu\"><!-- [et_pb_line_break_holder] -->\t\t<\/p>\n<div class=\"oinordetzaLink flUrdina fmenu\"><a href=\"https:\/\/bikoabokatuak.com\/es\/derecho-de-sucesiones\/\">Derecho de Sucesiones<\/a><\/div>\n<p><!-- [et_pb_line_break_holder] -->\t\t<\/p>\n<div class=\"bikoLink flGrisa fmenu\"><a href=\"https:\/\/bikoabokatuak.com\/es\/biko-abogados\/\">Biko Abogados<\/a><\/div>\n<p>\t<!-- [et_pb_line_break_holder] -->\t\t<\/p>\n<div class=\"kontaktuaLink flGrisa fmenu\"><a href=\"https:\/\/bikoabokatuak.com\/es\/contacto\/\">Contacto<\/a><\/div>\n<p>\t<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\t\t<\/p>\n<div class=\"fBilbo\"><!-- [et_pb_line_break_holder] -->\t\t\t<\/p>\n<h3>Bilbo<\/h3>\n<p><!-- [et_pb_line_break_holder] -->\t\t\t<\/p>\n<address>Barroeta Aldamar,<!\u2013- [et_pb_br_holder] -\u2013>4-3\u00ba dpto. 31.<!\u2013- [et_pb_br_holder] -\u2013>48001 Bilbo (Bizkaia)<\/address>\n<p><!-- [et_pb_line_break_holder] -->\t\t\t<a href=\"tel:+34637174150\">637 174 150<\/a><!-- [et_pb_line_break_holder] -->\t\t<\/div>\n<p><!-- [et_pb_line_break_holder] -->\t\t<\/p>\n<div class=\"fGasteiz\"><!-- [et_pb_line_break_holder] -->\t\t\t<\/p>\n<h3>Vitoria-Gasteiz<\/h3>\n<p><!-- [et_pb_line_break_holder] -->\t\t\t<\/p>\n<address>Pasaje las Antillas,<!\u2013- [et_pb_br_holder] -\u2013>2-1\u00ba (Oficina 2)<!\u2013- [et_pb_br_holder] -\u2013>01012 Vitoria-Gasteiz (Araba)<\/address>\n<p>\t<!-- 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0-.45-1.92A4.57 4.57 0 0 0 23 19.72a1.94 1.94 0 0 0-2.11.32 4.29 4.29 0 0 0-1.49 3.39 4.84 4.84 0 0 0 .14 1.08 8.8 8.8 0 0 0 1 2.38 17.51 17.51 0 0 0 5.76 6 14.47 14.47 0 0 0 2.92 1.39 6.4 6.4 0 0 0 3.4.53 4.09 4.09 0 0 0 3.08-2.29 2 2 0 0 0 .14-1.17c-.1-.81-1.19-1.29-1.84-1.68zm-6.33-19.38a17 17 0 0 0-14.88 25.23l-2.47 9.21 9.26-2.48a17 17 0 1 0 8.09-32zm0 30.81a13.8 13.8 0 0 1-7-2l-.67-.3-5.17 1.39L16.25 35l-.36-.58a13.78 13.78 0 1 1 11.78 6.68z\"\/><\/svg><\/a><!-- [et_pb_line_break_holder] -->\t\t<\/div>\n<p>\t<!-- [et_pb_line_break_holder] -->\t<\/div>\n<p><!-- [et_pb_line_break_holder] --><\/div>\n<p><!-- [et_pb_line_break_holder] -->[\/et_pb_code][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00bb1&#8243; admin_label=\u00bbEgin Kontsulta\u00bb _builder_version=\u00bb4.21.0&#8243; _module_preset=\u00bbdefault\u00bb background_image=\u00bbhttps:\/\/bikoabokatuak.com\/bitartekoak\/osagarriak\/mediak\/2023\/06\/groovepaper.png\u00bb 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global_colors_info=\u00bb{}\u00bb][et_pb_code _builder_version=\u00bb4.21.0&#8243; _module_preset=\u00bbdefault\u00bb background_enable_color=\u00bboff\u00bb hover_enabled=\u00bb0&#8243; global_colors_info=\u00bb{}\u00bb sticky_enabled=\u00bb0&#8243;]<\/p>\n<div class=\"aholkularitza_n\"><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\t<\/p>\n<div class=\"aholkularitza\">\n<h3>Asesoramiento y <!\u2013- [et_pb_br_holder] -\u2013>consultas<\/h3>\n<\/div>\n<p><!-- [et_pb_line_break_holder] -->\t<\/p>\n<div class=\"button\"><a href=\"https:\/\/bikoabokatuak.com\/es\/contacto\/\" rel=\"noopener\">Realizar Consulta<\/a><\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><\/div>\n<p>[\/et_pb_code][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00bb1&#8243; _builder_version=\u00bb4.21.0&#8243; _module_preset=\u00bbdefault\u00bb background_color=\u00bb#F9F9F9&#8243; global_colors_info=\u00bb{}\u00bb][et_pb_row _builder_version=\u00bb4.21.0&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_column type=\u00bb4_4&#8243; _builder_version=\u00bb4.21.0&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_code _builder_version=\u00bb4.21.0&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][\/et_pb_code][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-393","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Derecho Bancario - Biko Abokatuak<\/title>\n<meta name=\"description\" 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