{"id":2095,"date":"2017-07-17T07:00:55","date_gmt":"2017-07-17T06:00:55","guid":{"rendered":"http:\/\/lexspain.com\/en\/bolig-i-spania\/"},"modified":"2017-11-05T15:58:00","modified_gmt":"2017-11-05T15:58:00","slug":"mortgage-in-spain","status":"publish","type":"post","link":"https:\/\/lexspain.com\/mortgage-in-spain\/","title":{"rendered":"Mortgage in Spain Clausula Suelo"},"content":{"rendered":"<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='av_section_1' class='avia-section main_color avia-section-huge avia-no-shadow av-parallax-section av-section-color-overlay-active avia-bg-style-parallax   av-minimum-height av-minimum-height-custom container_wrap sidebar_right'  data-section-bg-repeat='no-repeat' ><div class='av-parallax' data-avia-parallax-ratio='0.3' ><div class='av-parallax-inner main_color  avia-full-stretch' style = 'background-repeat: no-repeat; background-image: url(https:\/\/lexspain.com\/wp-content\/uploads\/2017\/07\/Mortgage-in-Spain-Lex-Spain.jpg); background-attachment: scroll; background-position: top center; ' ><\/div><\/div><div class='av-section-color-overlay-wrap'><div class='av-section-color-overlay' style='opacity: 0.3; background-color: #000000; '><\/div><div class='container' style='height:430px'><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-2095'><div class='entry-content-wrapper clearfix'>\n<div style='padding-bottom:10px;color:#ffffff;font-size:45px;' class='av-special-heading av-special-heading-h1 custom-color-heading blockquote modern-quote  av-inherit-size '><h1 class='av-special-heading-tag '  itemprop=\"headline\"  >Mortgage in Spain Clausula Suelo<\/h1><div class ='av-subheading av-subheading_below av_custom_color ' style='font-size:30px;'><p>Claim repayment of everything you have paid too much.<\/p>\n<\/div><div class='special-heading-border'><div class='special-heading-inner-border' style='border-color:#ffffff'><\/div><\/div><\/div>\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><\/div><div id='after_section_1' class='main_color av_default_container_wrap container_wrap sidebar_right'   ><div class='container' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-2095'><div class='entry-content-wrapper clearfix'><div class=\"flex_column av_one_full  flex_column_div av-zero-column-padding first  \" style='border-radius:0px; '><section class=\"av_textblock_section \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock  '   itemprop=\"text\" ><h2>If you bought property in Spain with a mortgage in a Spanish bank,<\/h2>\n<p>you probably have a Cl\u00e1usula suelo or Ground Clause in your mortgage and\u00a0 you might have been <strong>paying more than you should<\/strong>.<\/p>\n<p>Cl\u00e1usula suelo or Ground Clause is a minimum interest rate that financial institutions applied to many mortgages in order to insulate themselves from possible declines in the Euribor that was included in the <strong>mortgages contracted in Spain.<\/strong><\/p>\n<p>In Spain, the mortgages are linked to Euribor plus a percentage but due to the fact that the Euribor has been very low in the last years, the banks included a Ground Clause fixing a minimum rate independent of the Euribor. Therefore, if your Euribor plus percent was a 1,5% and you had a Ground Clause of 3% you have been <strong>paying for several years more than you should.<\/strong><\/p>\n<p>May 9, 2013 the Spanish <strong>Supreme Court<\/strong> has ordered that those sums paid on top of what you should must be <strong>returned to the client,<\/strong> but many Spanish banks are not returning this money unless you claim<\/p>\n<p><strong>If you have a mortgage in Spain and you want to check if you have the right to claim against the bank, we can help you.<\/strong><\/p>\n<p><em>We can do it all over Spain.<\/em><\/p>\n<\/div><\/section><\/div><\/p>\n<div class=\"flex_column av_one_full  flex_column_div av-zero-column-padding first  \" style='border-radius:0px; '><div class='avia-image-container  av-styling-  noHover  av-overlay-on-hover   avia-align-center '  itemprop=\"ImageObject\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\"  ><div class='avia-image-container-inner'><a href='https:\/\/www.youtube.com\/watch?v=gR853H-IyM4' class='avia_image'  ><div class='av-image-caption-overlay'><div class='av-caption-image-overlay-bg' style='opacity:0.4; background-color:#000000; '><\/div><div class='av-image-caption-overlay-position'><div class='av-image-caption-overlay-center' style='color:#ffffff; '><p>Mortgage in Spain. Explanation about &#8220;clausula suelo&#8221; and mortgage constitution expenses.<\/p>\n<p>VIDEO<\/p>\n<\/div><\/div><\/div><img class='avia_image ' src='https:\/\/lexspain.com\/wp-content\/uploads\/2017\/04\/Mortgage-in-Spain-Clausula-Suelo-Lex-Spain.jpg' alt='Mortgage in Spain - Clausula Suelo. Lex Spain' title='Mortgage in Spain - Clausula Suelo. Lex Spain'  itemprop=\"thumbnailUrl\"  \/><\/a><\/div><\/div><\/div>\n<div class=\"flex_column av_one_full  flex_column_div av-zero-column-padding first  \" style='border-radius:0px; '><p><div style='padding-bottom:10px;font-size:30px;' class='av-special-heading av-special-heading-h3  blockquote modern-quote   av-inherit-size '><h3 class='av-special-heading-tag '  itemprop=\"headline\"  >Recover everything you\u2019ve overpaid<\/h3><div class ='av-subheading av-subheading_below  ' style='font-size:20px;'><p>Mortgage constitution expenses and delay interests<\/p>\n<\/div><div class='special-heading-border'><div class='special-heading-inner-border' ><\/div><\/div><\/div><br \/>\n<div style=' margin-top:10px; margin-bottom:40px;'  class='hr hr-custom hr-left hr-icon-no  '><span class='hr-inner   inner-border-av-border-fat' style=' width:50px; border-color:#d6ac6d;' ><span class='hr-inner-style'><\/span><\/span><\/div><br \/>\n<section class=\"av_textblock_section \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock  '   itemprop=\"text\" ><h3 class=\"iconbox_content_title \">GROUND CLAUSE (CL\u00c1USULA SUELO):<\/h3>\n<p>When signing a mortgage, the interests to be paid are calculated, normally, summing a quantity to Euribor: i.e Euribor + 0,75.<\/p>\n<p>The interest paid depends on the value of Euribor.<\/p>\n<p>However, most banks signed with their clients a \u201cclausula suelo\u201d: <strong>a minimum rate interest that should be paid independently of the Euribor value.<\/strong><\/p>\n<p>Courts have ruled that this clause is abusive, that\u2019s why banks should be obliged to return the overcharged money.<\/p>\n<p>Despite court sentences, some banks are refusing to return the overcharged money.<\/p>\n<h3>Mortgage constitution fees:<\/h3>\n<p><em>When signing a mortgage, most banks have obliged their clients to asume a range of expenses which are:<\/em><\/p>\n<ul>\n<li>Notary fees<\/li>\n<li>Land registry fees (registro de la propiedad)<\/li>\n<li>Tax of patrimonial transmissions (Impuesto de Transmisiones Patrimoniales)<\/li>\n<li>Administrative agency<\/li>\n<li>Appraiser<\/li>\n<\/ul>\n<p>Courts are starting to rule, saying it\u2019s not fair for the clients to asume all of these expenses.<br \/>\nBanks, once again, are denying to refund all this quantities.<\/p>\n<h3 class=\"iconbox_content_title \">Documentation we need:<\/h3>\n<p>Mortgage deed.<br \/>\nExpenses bills:<\/p>\n<ul>\n<li>Notary<\/li>\n<li>Land registry fees (registro de la propiedad)<\/li>\n<li>Tax of patrimonial transmissions (Impuesto de Transmisiones Patrimoniales)<\/li>\n<li>Administrative agency<\/li>\n<li>Appraiser (house value)<\/li>\n<\/ul>\n<\/div><\/section><\/p><\/div>\n<div class=\"flex_column av_one_full  flex_column_div av-zero-column-padding first  \" style='border-radius:0px; '><div style='padding-bottom:10px;font-size:30px;' class='av-special-heading av-special-heading-h3  blockquote modern-quote  av-inherit-size '><h3 class='av-special-heading-tag '  itemprop=\"headline\"  > Which banks apply for the reclaim?<\/h3><div class='special-heading-border'><div class='special-heading-inner-border' ><\/div><\/div><\/div><\/div>\n<div class=\"flex_column av_one_full  flex_column_div av-zero-column-padding first  \" style='border-radius:0px; '><section class=\"av_textblock_section \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock  '   itemprop=\"text\" ><p><strong> BBVA<\/strong> CAIXABANK <strong>BANKIA<\/strong> SABADELL <strong>BANCO POPULAR<\/strong> LIBERBANK <strong>UNICAJA<\/strong> BMN <strong>KUTXABANK<\/strong> CAJA RURAL <strong>ABANCA<\/strong> CAJAMAR <strong>CAJA RURAL DE GRANADA<\/strong> CAJA RURAL DE NAVARRA <strong>IBERCAJA<\/strong> CAJA LABORAL <strong>POLLEN\u00c7A<\/strong> BANCA 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