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Cálculo de perjuicio por diferencia de cuotas e intereses legales.

Últimamente estamos observando en ejecución de Sentencias por cláusulas abusivas que, en el fallo de las mismas, se incluyen los intereses legales que pudieran corresponder por el exceso de  cuotas abonadas.

En la mayoría de los casos, los letrados los solicitan, de forma genérica, en sus demandas.

En este tipo de cálculos de pérdida patrimonial, bien sea por cláusula multidivisa, cláusula suelo, IRPH, o cualquier otra cláusula que haya sido declarada abusiva,  se debe hacer una comparativa entre el desarrollo del préstamo real y una simulación del préstamo, en euros y sin esas cláusulas.

A continuación se deben calcular, por una parte, la diferencia entre las cuotas abonadas y, por otra, la diferencia entre capitales pendientes.

En primer lugar, queremos destacar que, aunque sea poco frecuente, no siempre la diferencia de cuotas abonadas genera un resultado negativo para el cliente. 

Es decir, puede haber casos en los que existiendo una pérdida patrimonial global ( compensación por diferencia de cuotas + diferencia de capitales pendientes), el cliente haya abonado, realmente, menos cantidad en concepto de cuotas de las que habría pagado si hubiese formalizado un préstamo tradicional en euros. Esto puede suceder en préstamos multidivisa contratados entre los años 2000 y 2006. 

            En esos años había una gran diferencia entre el Libor del Franco Suizo o del Yen Japonés y el Mibor (o Euribor) y, por lo tanto, durante muchos meses el cliente abonaba cuotas inferiores al las que habría pagado en un préstamo en euros. Es precisamente por ello por lo que se comercializaban ese tipo de productos. Por el ahorro que, en principio, podían suponer unos menores tipos de interés.

            Debido a la evolución de los tipo de cambio EUR/JPY y EUR/CHF, en esos mismos préstamos, puede darse el caso de que, a pesar de haber sido el cliente  beneficiado por unas cuotas menores, el capital pendiente actualmente sea superior al que debería si hubiese contratado un préstamo tradicional. Habría que analizar si el perjuicio por diferencia de capitales pendientes es superior al beneficio por diferencia de cuotas, para calcular si realmente ha habido una pérdida patrimonial.

            Adjuntamos un pequeño tutorial  para mayor aclaración.

            Os recordamos que seguimos trabajando, ahora desde casa debido a la crisis del coronavirus y queremos insistir en la importancia de solicitar un estudio de perjuicio antes de decidirse a interponer una demanda.

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