Cláusula Suelo – Qué es y como Anularla

¿Qué es la Cláusula Suelo?

La famosa y polémica Cláusula Suelo en un préstamo hipotecario consiste en establecer un tipo mínimo de interés fijando así un porcentaje mínimo, independientemente del interés derivado de la suma del Euribor (valor de referencia para la mayoría de las hipotecas) y el diferencial.

Esto significa que si en nuestra hipoteca aparece este tipo de cláusula, si el tipo mínimo de interés baja, como está ocurriendo actualmente, no nos podremos beneficiar de esa bajada.

Pongamos como ejemplo que el interés de su hipoteca es de Euribor más un 1% y en su hipoteca aparece una cláusula suelo con un mínimo establecido en el 4%. Actualmente el Euribor ha caído al 0,50% por lo que el interés real de su hipoteca debería de ser del 0,50% más un 1% quedando en un 1,50% sin embargo, al tener fijado ese mínimo establecido en un 4%, el interés de su hipoteca continuaría siendo del 4% en lugar del 1,50%.

clausula-suelo-evolucion-euriborSegún datos del Banco de España, entre el 30% y el 40% de las hipotecas a tipo de interés variable -principalmente el Euribor-incluyen cláusulas suelo de este tipo por lo que están impidiendo que los deudores se puedan aprovechar de la bajada del Euribor.

¿Es ilegal esta Cláusula?

No, incluso después de la decisión tomada por el Alto Tribunal este tipo de clausulas continúan sin ser ilegales sin embargo si que pueden ser anuladas en los casos en los que el banco no informó de manera clara y expresa a su cliente de que en su contrato hipotecario existía este tipo de clausula.

Supuestos para poder solicitar judicialmente la anulación de las clausulas suelos

1.- Si no consta el suelo en el folleto publicitario de la oferta o si está enmascarado. Este supuesto bastaría por sí mismo para plantear la reclamación. “Normalmente, el folleto publicitario decía una cosa y el contrato decía otra, pues solían ocultar ahí el suelo”, apunta el experto.
2.- Inexistencia de oferta vinculante. Es el caso más común que justifica una reclamación por cláusula suelo y también bastaría por sí mismo. El banco tiene la obligación de comunicar al cliente la oferta vinculante tres días antes de la firma. Si no lo ha hecho, o si lo ha hecho fuera de plazo (uno o dos días antes) se puede reclamar.
3.- Gancho publicitario. También se puede reclamar por el gancho publicitario. Por ejemplo, en folletos se anunciaban hipotecas a Euribor más un diferencial, que luego se negociaba a la baja si el cliente contrataba algún otro producto (seguro, plan de pensiones). Pero a efectos prácticos, se puede reclamar si al cliente no le explicaron que esta rebaja no sería operativa en caso de que existiese un suelo.
4.- Si no hubo simulación de las cuotas a pagar. Todos los clientes deben tener un cuadro con cuotas, capital pendiente e intereses abonados.
5.- Si no se le ofrecieron otros productos de la entidad, sin esa cláusula.
6.- Si no se le advirtió que ese producto podía no ser adecuado para el perfil del cliente.
7.- Determinadas subrogaciones: Cuando la falta de información es manifiesta en determinados supuestos de subrogaciones a otras hipotecas. Por ejemplo, esta situación es típica en los casos en los que el promotor del piso tiene un crédito con el banco que ha financiado la construcción y obliga al cliente a subrogarse a sus condiciones.
8.- Determinadas novaciones. Una novación es un cambio en las condiciones de la hipoteca, por lo general para extender el plazo o ampliar el capital.

Vídeo Informativo sobre Préstamos hipotecarios con Cláusula Suelo


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