{"id":806,"date":"2017-07-17T07:00:55","date_gmt":"2017-07-17T06:00:55","guid":{"rendered":"http:\/\/lexspain.com\/?p=806"},"modified":"2017-09-02T07:05:05","modified_gmt":"2017-09-02T06:05:05","slug":"minsterente-i-spania","status":"publish","type":"post","link":"https:\/\/lexspain.com\/minsterente-i-spania\/","title":{"rendered":"Minsterente &#8211; Cl\u00e1usula 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\/Minsterente-Lexspain.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-806'><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\"  >Minsterente i Spania Cl\u00e1usula suelo<\/h1><div class ='av-subheading av-subheading_below av_custom_color ' style='font-size:30px;'><p>Kreve tilbakebetalt alt du har betalt for mye.<\/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-806'><div class='entry-content-wrapper clearfix'>\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\" ><h2>Hvis du har kj\u00f8pt et hus i Spania med et boligl\u00e5n i en spansk bank<\/h2>\n<p>har du sannsynligvis en Cl\u00e1usula suelo eller Ground Clause i avtalen om boligl\u00e5n. I s\u00e5 fall er det er stor sannsynlighet for at du har betalt mer enn du er forpliktet til.<\/p>\n<p>Cl\u00e1usula suelo (Ground Clause) er en minimum rentesats som finansinstitusjoner bruker til mange boligl\u00e5n for \u00e5 sikre seg mot mulige fall i Euribor som er inkludert i <strong>boligl\u00e5nskontrakter i Spania<\/strong>.<\/p>\n<p>I Spania blir boligl\u00e5n knyttet til Euribor plus en avtalt prosent, men som f\u00f8lge av at Euribor har v\u00e6rt sv\u00e6rt lav de siste \u00e5rene, har bankene tatt med i l\u00e5neavtalene en Ground Clause for \u00e5 sikre en minimums avkastning uavhengig av Euribor. Derfor, hvis din avtale er Euribor plus 1,5%, og du har betalt 3%, <strong>har du betalt mer enn du skulle.<\/strong><\/p>\n<p>Den\u00a09. mai 2013 har spansk <strong>H\u00f8yesterett besluttet<\/strong> at de bel\u00f8p som er betalt for mye av l\u00e5ntakere m\u00e5 returneres til kunden, men mange spanske banker betaler ikke tilbake med mindre du krever.<\/p>\n<p><strong>Hvis du har et boligl\u00e5n i Spania og du \u00f8nsker \u00e5 sjekke om du har rett til \u00e5 reise krav mot banken, kan vi i samarbeid med v\u00e5re spanske advokater hjelpe deg.<\/strong><\/p>\n<p>Vi hjelper deg med \u00e5 kreve tilbake det som bankene ulovlig har belastet deg.<\/p>\n<\/div><\/section><\/div><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=h-U1bSWi9Ts' 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>Forklaring av begrepet &laquo;Clausula Suelo&raquo; og etableringskostnader.<\/p>\n<p>Se video<\/p>\n<\/div><\/div><\/div><img class='avia_image ' src='https:\/\/lexspain.com\/wp-content\/uploads\/2017\/04\/Minsterente-Hva-betyr-clausula-suelo-lex-spain.jpg' alt='' title='Minsterente-Hva-betyr-clausula-suelo-lex-spain'  itemprop=\"thumbnailUrl\"  \/><\/a><\/div><\/div><\/div><\/p>\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\"  >Kreve tilbakebetalt alt du har betalt for mye<\/h3><div class ='av-subheading av-subheading_below  ' style='font-size:20px;'><p>Etableringskostnader og renter<\/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\" ><p>N\u00e5r du tar opp et boligl\u00e5n i spansk bank er rentene beregnet ut fra Euribor plus avtalt prosent, feks Euribor plus 0,75%.<\/p>\n<p>Renten som betales avhenger s\u00e5ledes av verdien av Euribor.<\/p>\n<p>Men de fleste banker inng\u00e5tt avtale med sine kunder om en \u00abclausula suelo\u00bb: en minsterente som skal betales uavhengig av Euribors verdi.<\/p>\n<p>Domstolene har sl\u00e5tt fast at kundene ikke skal betale alle disse utgiftene. Igjen nekter flere banker \u00e5 refundere alle disse utgiftene.<\/p>\n<h3>Boligl\u00e5n og utgifter:<\/h3>\n<p><em>N\u00e5r du tar opp et boligl\u00e5n har de fleste bankene p\u00e5lagt sine kunder \u00e5 betale en rekke utgifter som er:<\/em><\/p>\n<ul>\n<li>Notarius utgifter<\/li>\n<li>Tinglysingsgebyr (Registro de la Propiedad)<\/li>\n<li>Skatt p\u00e5 Patrimonial, ved salg (Impuesto de Transmisiones Patrimoniales)<\/li>\n<li>Forvaltningutgifter<\/li>\n<li>Skatt av boligverdi<\/li>\n<\/ul>\n<p>Domstolene har sl\u00e5tt fast at kundene ikke skal betale alle disse utgiftene. Igjen nekter flere banker \u00e5 refundere alle disse utgiftene.<\/p>\n<h3>Dokumentasjon vi trenger:<\/h3>\n<p>Pantedokument<br \/>\nRegninger p\u00e5 utgiftene, dvs:<\/p>\n<ul>\n<li>Notarius<\/li>\n<li>Tinglysingsgebyr (Registro de la Propiedad)<\/li>\n<li>Skatt p\u00e5 Patrimonial (Impuesto de Transmisiones Patrimoniales)<\/li>\n<li>Forvaltningsutgifter<\/li>\n<li>Skatt av boligverdien<\/li>\n<\/ul>\n<\/div><\/section><\/p><\/div><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\"  > Hvilke banker kan kreves?<\/h3><div class='special-heading-border'><div class='special-heading-inner-border' ><\/div><\/div><\/div><\/div><\/p>\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 MARCH<\/p>\n<\/div><\/section><\/div>\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>\n<div class=\"flex_column av_three_fourth  flex_column_div av-zero-column-padding first  \" style='border-radius:0px; '><div 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