— Blog —

Cálculo de perjuicio por diferencia de cuotas e intereses legales.

abril 10, 2020

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.

305 comentarios sobre “Cálculo de perjuicio por diferencia de cuotas e intereses legales.”

  167. Thanks for your publication. I would love to remark that the very first thing you will need to do is find out if you really need credit improvement. To do that you will have to get your hands on a duplicate of your credit rating. That should not be difficult, considering that the government makes it necessary that you are allowed to obtain one free copy of your real credit report annually. You just have to consult the right men and women. You can either check out the website with the Federal Trade Commission and also contact one of the leading credit agencies instantly.

  214. I think that a foreclosed can have a major effect on the debtor’s life. House foreclosures can have a Six to 10 years negative effects on a borrower’s credit report. Any borrower that has applied for a mortgage or any kind of loans for that matter, knows that the worse credit rating can be, the more tough it is for any decent loan. In addition, it may possibly affect the borrower’s capacity to find a decent place to lease or hire, if that results in being the alternative homes solution. Good blog post.

  221. Needed to write you this very small word to help thank you very much yet again with your unique tricks you have shown on this website. This is so wonderfully open-handed with you to supply without restraint what exactly some people would have supplied for an electronic book to make some profit on their own, specifically since you might well have tried it in the event you wanted. Those tips likewise worked to provide a easy way to be certain that most people have a similar dream just as mine to find out a little more in regard to this condition. I’m certain there are lots of more enjoyable moments ahead for folks who discover your blog.

  225. Thanks for your whole work on this website. My niece takes pleasure in working on research and it is simple to grasp why. We all notice all relating to the powerful ways you render worthwhile tricks via your website and therefore welcome response from website visitors on this topic while our own simple princess is without question understanding so much. Take pleasure in the rest of the year. Your performing a wonderful job.

  236. It’s a shame you don’t have a donate button! I’d definitely donate to this superb blog!
    I guess for now i’ll settle for book-marking and adding your RSS feed to my Google
    account. I look forward to brand new updates and will talk
    about this website with my Facebook group. Chat soon!

  237. My spouse and i have been really lucky that Louis managed to finish off his research through your precious recommendations he made through your web pages. It is now and again perplexing to just find yourself handing out solutions which people today may have been selling. Therefore we know we need the writer to give thanks to for that. The specific illustrations you have made, the simple web site navigation, the relationships you will help to instill – it’s got most powerful, and it’s really leading our son in addition to the family reason why the subject is fun, which is really pressing. Thank you for the whole lot!

  242. My husband and i ended up being contented Chris could complete his basic research by way of the ideas he came across from your own blog. It’s not at all simplistic just to always be giving away guidelines many others could have been making money from. And we consider we’ve got the blog owner to appreciate because of that. All the explanations you’ve made, the easy blog menu, the friendships you aid to create – it’s all astounding, and it’s aiding our son and our family consider that that concept is awesome, and that’s exceptionally fundamental. Many thanks for all!

  246. It is the best time to make a few plans for the future and it’s time to be happy.
    I have read this post and if I may I desire to counsel
    you some interesting issues or tips. Perhaps you can write subsequent articles relating to this article.

    I wish to read more things approximately it!

  261. I’ve been browsing online more than 2 hours today, yet I
    never found any interesting article like yours.
    It’s pretty worth enough for me. In my view, if all site owners and
    bloggers made good content as you did, the net will be
    much more useful than ever before.

  266. Howdy! This article couldn’t be written much better! Looking through this
    article reminds me of my previous roommate!
    He always kept preaching about this. I am going to forward this post to him.
    Pretty sure he’ll have a good read. Thanks for sharing!

Deja un comentario

Tu dirección de correo electrónico no será publicada. Los campos obligatorios están marcados con *