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#IRPH

How Can Citizens Advice Bureau Spain Benefit You?

As an expatriate living in Spain; do you find that the Spanish bureaucratic system can be disconcerting? Have you discovered that the simplest of transactions are difficult to conclude? Find yourself searching for answers to problems only to discover that there is nowhere where you could find a solution? I am assuming that the answer is yes and that is why should be a member of our web site if you arent already.

European Court Of Justice Declares The Irph Null And Void If There Has Been A Lack Of Transparency

The CJEU in a recent judgment, has established that the IRPH can be declared null and void if the bank does not prove that it has explained to the client how the interest rate works and had not presented different scenarios on the evolution of t

Irph Mortgage Holders Waiting For Ruling From The European Court Of Justice

Update September 11. The Advocate General has pronounced for the consumer. We now wait for the decision of the ECJ. The IRPH Spanish banks mortgage rate interest is a Euribor alternative, used for pricing floating mortgage interest. Considering

The Supreme Court To Declare On Irph Mortgages

There is much optimism that they will follow the ruling of the Clausula Suelo and rule the IRPH as abusive. Many judges in different areas of Spain have already declared the IPRH mortgages as abusive due to lack of transparency. Others have not
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