{"id":129375,"date":"2022-08-19T17:53:52","date_gmt":"2022-08-19T15:53:52","guid":{"rendered":"https:\/\/rmarketingdigital.com\/negocios\/como-se-si-tengo-una-clausula-suelo\/"},"modified":"2021-04-12T14:52:42","modified_gmt":"2021-04-12T12:52:42","slug":"como-se-si-tengo-una-clausula-suelo","status":"publish","type":"post","link":"https:\/\/rmarketingdigital.com\/fr\/affaires\/como-se-si-tengo-una-clausula-suelo\/","title":{"rendered":"Comment savoir si j&#039;ai une clause plancher?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_86 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table des mati\u00e8res<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Basculer la table des mati\u00e8res\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Basculer<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/rmarketingdigital.com\/fr\/affaires\/como-se-si-tengo-una-clausula-suelo\/#%C2%BFComo-identificar-esta-clausula\" >Comment identifier cette clause?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/rmarketingdigital.com\/fr\/affaires\/como-se-si-tengo-una-clausula-suelo\/#Consulte-con-su-entidad-de-credito\" >V\u00e9rifiez aupr\u00e8s de votre \u00e9tablissement de cr\u00e9dit<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/rmarketingdigital.com\/fr\/affaires\/como-se-si-tengo-una-clausula-suelo\/#Revisar-recibos-bancarios\" >V\u00e9rifier les re\u00e7us bancaires<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/rmarketingdigital.com\/fr\/affaires\/como-se-si-tengo-una-clausula-suelo\/#%C2%BFPor-que-te-interesa-conocer-esta-informacion\" >Pourquoi souhaitez-vous conna\u00eetre ces informations?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/rmarketingdigital.com\/fr\/affaires\/como-se-si-tengo-una-clausula-suelo\/#%C2%BFQue-conlleva-una-clausula-suelo\" >Qu&#039;implique une clause plancher?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/rmarketingdigital.com\/fr\/affaires\/como-se-si-tengo-una-clausula-suelo\/#%C2%BFCuando-no-son-muy-transparentes\" >Quand ne sont-ils pas tr\u00e8s transparents?<\/a><\/li><\/ul><\/nav><\/div>\n<div>\n<p><picture class=\"alignnone wp-image-17330 size-full\"><source type=\"image\/webp\" data-lazy-srcset=\"https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/04\/people-3295555_1280.jpg.webp 1280w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/04\/people-3295555_1280-300x201.jpg.webp 300w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/04\/people-3295555_1280-1024x686.jpg.webp 1024w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/04\/people-3295555_1280-830x556.jpg.webp 830w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/04\/people-3295555_1280-400x268.jpg.webp 400w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/04\/people-3295555_1280-448x300.jpg.webp 448w\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns='http:\/\/www.w3.org\/2000\/svg'%20viewBox='0%200%201280%20857'%3E%3C\/svg%3E\" data-lazy-sizes=\"(max-width: 1280px) 100vw, 1280px\"><\/source><br \/>\n<img alt='personnes-3295555_1280-5308466' width='1280' height='857' srcset='\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/people-3295555_1280-5308466.jpg 1280w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/people-3295555_1280-5308466-300x201.jpg 300w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/people-3295555_1280-5308466-1024x686.jpg 1024w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/people-3295555_1280-5308466-768x514.jpg 768w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/people-3295555_1280-5308466-16x12.jpg 16w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/people-3295555_1280-5308466-900x604.jpg 900w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/people-3295555_1280-5308466-600x403.jpg 600w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/people-3295555_1280-5308466-400x269.jpg 400w' data-lazy-sizes='(max-width: 1280px) 100vw, 1280px' src='https:\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/people-3295555_1280-5308466.jpg'>\n<\/picture><\/p>\n<p><noscript><picture class=\"alignnone wp-image-17330 size-full\"><source type=\"image\/webp\" srcset=\"https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/04\/people-3295555_1280.jpg.webp 1280w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/04\/people-3295555_1280-300x201.jpg.webp 300w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/04\/people-3295555_1280-1024x686.jpg.webp 1024w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/04\/people-3295555_1280-830x556.jpg.webp 830w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/04\/people-3295555_1280-400x268.jpg.webp 400w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/04\/people-3295555_1280-448x300.jpg.webp 448w\" sizes=\"(max-width: 1280px) 100vw, 1280px\"><\/source><br \/>\n<img alt='personnes-3295555_1280-5308466' src='https:\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/people-3295555_1280-5308466.jpg' width='1280' height='857' srcset='\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/people-3295555_1280-5308466.jpg 1280w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/people-3295555_1280-5308466-300x201.jpg 300w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/people-3295555_1280-5308466-1024x686.jpg 1024w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/people-3295555_1280-5308466-768x514.jpg 768w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/people-3295555_1280-5308466-16x12.jpg 16w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/people-3295555_1280-5308466-900x604.jpg 900w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/people-3295555_1280-5308466-600x403.jpg 600w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/people-3295555_1280-5308466-400x269.jpg 400w' sizes='(max-width: 1280px) 100vw, 1280px'>\n<\/picture>\n<\/noscript>La clause plancher est une condition qui inclut ou plut\u00f4t inclut une grande partie du syst\u00e8me bancaire espagnol dans les contrats de cr\u00e9dit hypoth\u00e9caire \u00e0 taux variable. Lorsqu&#039;ils sont li\u00e9s \u00e0 l&#039;indice de r\u00e9f\u00e9rence europ\u00e9en, \u00e0 l&#039;Euribor ou \u00e0 d&#039;autres indices de r\u00e9f\u00e9rence moins pertinents. Leur inclusion obligeait le client \u00e0 payer un<strong> <\/strong><strong>taux ou int\u00e9r\u00eat minimum<\/strong><strong>, ind\u00e9pendamment<\/strong> de l\u2019\u00e9volution du march\u00e9. En d&#039;autres termes, elle ne pouvait pas b\u00e9n\u00e9ficier de l&#039;excellente performance de ces actifs financiers. Comme ces derni\u00e8res ann\u00e9es, o\u00f9 pr\u00e9cis\u00e9ment l&#039;Euribor est en territoire n\u00e9gatif \u00e9tant donn\u00e9 qu&#039;il pr\u00e9sente un diff\u00e9rentiel de -0,161%.<\/p>\n<p>\u00c0 partir de cette dynamique, si vous aviez sign\u00e9 une hypoth\u00e8que pr\u00e9sentant ces caract\u00e9ristiques, vous paieriez plus d&#039;int\u00e9r\u00eats que ce que vous deviez. M\u00eame l\u00e9galement, m\u00eame avec <strong>implications abusives<\/strong> tel que reconnu par les organes judiciaires espagnols. Sans surprise, son principal effet est que vous paieriez une mensualit\u00e9 plus \u00e9lev\u00e9e que vous ne le devriez si l&#039;hypoth\u00e8que s&#039;adaptait vraiment aux conditions des march\u00e9s financiers. C&#039;est donc une clause tr\u00e8s pr\u00e9judiciable \u00e0 vos int\u00e9r\u00eats en tant qu&#039;utilisateur de la banque.<span id=\"more-17329\"><\/span><\/p>\n<p>Sur la base de ce sc\u00e9nario g\u00e9n\u00e9ral, l&#039;arr\u00eat de la Cour supr\u00eame de justice du 9 mai 2013 a d\u00e9clar\u00e9 la clause plancher nulle et contraint les entit\u00e9s bancaires \u00e0 <strong>retourner le surpay\u00e9<\/strong> \u00e0 partir de la date de la condamnation. En revanche, la d\u00e9cision europ\u00e9enne est venue d&#039;une r\u00e9troactivit\u00e9 totale qui a oblig\u00e9 les \u00e9tablissements de cr\u00e9dit \u00e0 restituer les montants pay\u00e9s en trop d\u00e8s le d\u00e9but lors de la souscription du pr\u00eat.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFComo-identificar-esta-clausula\"><\/span><span id=\"Como_identificar_esta_clausula\">Comment identifier cette clause?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>L&#039;une de vos missions en tant qu&#039;utilisateur de banque que vous \u00eates est d&#039;identifier si l&#039;hypoth\u00e8que que vous venez de contracter porte le <strong>Clause de plancher<\/strong>. Fondamentalement au cas o\u00f9 vous pourriez influencer ou r\u00e9parer cet incident car il vous fera payer plus d&#039;euros que pr\u00e9vu initialement. En m\u00eame temps, faites appel aux services professionnels d&#039;un cabinet d&#039;avocats. Eh bien, il existe de nombreux signes qui peuvent vous permettre de comprendre si vous \u00eates r\u00e9ellement confront\u00e9 \u00e0 un pr\u00eat hypoth\u00e9caire pr\u00e9sentant ces caract\u00e9ristiques.<\/p>\n<p>L&#039;un des plus courants se mat\u00e9rialise par le re\u00e7u de votre banque. Parce que vous pouvez regarder le concept <strong>&quot;type d&#039;int\u00e9r\u00eat&quot;<\/strong> qui s&#039;appliquent \u00e0 vous \u00e0 partir de cette entit\u00e9. Car en effet, s&#039;il d\u00e9passe la valeur de l&#039;Euribor plus le diff\u00e9rentiel, ce sera le signe d\u00e9finitif que vous faites face \u00e0 une hypoth\u00e8que qui a vraiment une clause plancher.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Consulte-con-su-entidad-de-credito\"><\/span><span id=\"Consultalo_con_tu_entidad_de_credito\">V\u00e9rifiez aupr\u00e8s de votre \u00e9tablissement de cr\u00e9dit<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><picture class=\"alignnone wp-image-17332 size-full\"><source type=\"image\/webp\" data-lazy-srcset=\"https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/04\/write-593333_1280.jpg.webp 1280w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/04\/write-593333_1280-300x177.jpg.webp 300w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/04\/write-593333_1280-1024x605.jpg.webp 1024w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/04\/write-593333_1280-830x490.jpg.webp 830w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/04\/write-593333_1280-400x236.jpg.webp 400w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/04\/write-593333_1280-500x295.jpg.webp 500w\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns='http:\/\/www.w3.org\/2000\/svg'%20viewBox='0%200%201280%20756'%3E%3C\/svg%3E\" data-lazy-sizes=\"(max-width: 1280px) 100vw, 1280px\"><\/source><br \/>\n<img alt='write-593333_1280-8455657' width='1280' height='756' srcset='\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/write-593333_1280-8455657.jpg 1280w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/write-593333_1280-8455657-300x177.jpg 300w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/write-593333_1280-8455657-1024x605.jpg 1024w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/write-593333_1280-8455657-768x454.jpg 768w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/write-593333_1280-8455657-16x9.jpg 16w' data-lazy-sizes='(max-width: 1280px) 100vw, 1280px' src='https:\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/write-593333_1280-8455657.jpg'>\n<\/picture><\/p>\n<p><noscript><picture class=\"alignnone wp-image-17332 size-full\"><source type=\"image\/webp\" srcset=\"https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/04\/write-593333_1280.jpg.webp 1280w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/04\/write-593333_1280-300x177.jpg.webp 300w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/04\/write-593333_1280-1024x605.jpg.webp 1024w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/04\/write-593333_1280-830x490.jpg.webp 830w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/04\/write-593333_1280-400x236.jpg.webp 400w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/04\/write-593333_1280-500x295.jpg.webp 500w\" sizes=\"(max-width: 1280px) 100vw, 1280px\"><\/source><br \/>\n<img alt='write-593333_1280-8455657' src='https:\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/write-593333_1280-8455657.jpg' width='1280' height='756' srcset='\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/write-593333_1280-8455657.jpg 1280w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/write-593333_1280-8455657-300x177.jpg 300w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/write-593333_1280-8455657-1024x605.jpg 1024w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/write-593333_1280-8455657-768x454.jpg 768w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/write-593333_1280-8455657-16x9.jpg 16w' sizes='(max-width: 1280px) 100vw, 1280px'>\n<\/picture>\n<\/noscript>Bien s\u00fbr, une autre alternative est <strong>demander directement \u00e0 la banque<\/strong> o\u00f9 vous avez souscrit \u00e0 ce produit bancaire. Pas en vain, ils ont l&#039;obligation de confirmer si vous avez une clause plancher et de vous expliquer, si vous en avez une, quelles sont les conditions de ce type de cr\u00e9dits.<\/p>\n<p>En revanche, un autre sc\u00e9nario tr\u00e8s courant peut se pr\u00e9senter chez les utilisateurs de cette classe de produits pour le financement d&#039;un logement. Ce n&#039;est rien d&#039;autre que vous n&#039;aviez pas ou vous ne trouverez pas le contrat de pr\u00eat hypoth\u00e9caire. Eh bien, dans cette circonstance pr\u00e9cise, vous n&#039;aurez pas d&#039;autre solution que de le poursuivre en justice. <strong>par le notaire<\/strong> o\u00f9 vous avez effectu\u00e9 cette proc\u00e9dure. En d&#039;autres termes, le contrat que vous avez sign\u00e9. Dans ce document, vous d\u00e9couvrirez si l&#039;hypoth\u00e8que que vous avez sign\u00e9e a vraiment int\u00e9gr\u00e9 cette condition abusive, qui est la clause plancher. Sans aucun doute de votre part et cela vous am\u00e8nera \u00e0 prendre une d\u00e9cision \u00e0 ce sujet. Sans nuances en rapport avec la pr\u00e9sence de ce terme qui g\u00e9n\u00e8re tant de controverses parmi les utilisateurs espagnols.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Revisar-recibos-bancarios\"><\/span><span id=\"Revisar_los_recibos_bancarios\">V\u00e9rifier les re\u00e7us bancaires<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><picture class=\"alignnone wp-image-17333 size-full\"><source type=\"image\/webp\" data-lazy-srcset=\"https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/04\/paper-3147856_1280.jpg.webp 1280w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/04\/paper-3147856_1280-300x200.jpg.webp 300w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/04\/paper-3147856_1280-1024x682.jpg.webp 1024w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/04\/paper-3147856_1280-830x553.jpg.webp 830w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/04\/paper-3147856_1280-400x267.jpg.webp 400w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/04\/paper-3147856_1280-450x300.jpg.webp 450w\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns='http:\/\/www.w3.org\/2000\/svg'%20viewBox='0%200%201280%20853'%3E%3C\/svg%3E\" data-lazy-sizes=\"(max-width: 1280px) 100vw, 1280px\"><\/source><br \/>\n<img alt='papier-3147856_1280-6049808' width='1280' height='853' srcset='\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/paper-3147856_1280-6049808.jpg 1280w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/paper-3147856_1280-6049808-300x200.jpg 300w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/paper-3147856_1280-6049808-1024x682.jpg 1024w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/paper-3147856_1280-6049808-768x512.jpg 768w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/paper-3147856_1280-6049808-16x12.jpg 16w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/paper-3147856_1280-6049808-900x600.jpg 900w' data-lazy-sizes='(max-width: 1280px) 100vw, 1280px' src='https:\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/paper-3147856_1280-6049808.jpg'>\n<\/picture><\/p>\n<p><noscript><picture class=\"alignnone wp-image-17333 size-full\"><source type=\"image\/webp\" srcset=\"https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/04\/paper-3147856_1280.jpg.webp 1280w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/04\/paper-3147856_1280-300x200.jpg.webp 300w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/04\/paper-3147856_1280-1024x682.jpg.webp 1024w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/04\/paper-3147856_1280-830x553.jpg.webp 830w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/04\/paper-3147856_1280-400x267.jpg.webp 400w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/04\/paper-3147856_1280-450x300.jpg.webp 450w\" sizes=\"(max-width: 1280px) 100vw, 1280px\"><\/source><br \/>\n<img alt='papier-3147856_1280-6049808' src='https:\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/paper-3147856_1280-6049808.jpg' width='1280' height='853' srcset='\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/paper-3147856_1280-6049808.jpg 1280w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/paper-3147856_1280-6049808-300x200.jpg 300w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/paper-3147856_1280-6049808-1024x682.jpg 1024w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/paper-3147856_1280-6049808-768x512.jpg 768w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/paper-3147856_1280-6049808-16x12.jpg 16w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/paper-3147856_1280-6049808-900x600.jpg 900w' sizes='(max-width: 1280px) 100vw, 1280px'>\n<\/picture>\n<\/noscript>En utilisant les exemples ci-dessus, vous ne pouvez pas conclure que vous \u00eates confront\u00e9 \u00e0 une clause plancher sur votre pr\u00eat immobilier. Ne vous inqui\u00e9tez pas trop de ces petites informations sur votre pr\u00eat hypoth\u00e9caire. Vous aurez d&#039;autres petits trucs qui montreront \u00e0 partir de ces moments qu&#039;ils sont des probl\u00e8mes excessifs dans leur formalisation. L&#039;une des strat\u00e9gies que vous pouvez utiliser est bas\u00e9e sur quelque chose d&#039;aussi simple que cela <strong>v\u00e9rifier le re\u00e7u bancaire<\/strong> du dernier paiement du pr\u00eat.<\/p>\n<p>Eh bien, dans le cadre de cette op\u00e9ration simple, vous devriez v\u00e9rifier d\u00e9sormais si le taux d&#039;int\u00e9r\u00eat qui appara\u00eet comme pay\u00e9 n&#039;est pas \u00e9gal \u00e0 la somme de l&#039;Euribor plus le <strong>diff\u00e9rentiel convenu<\/strong>. Car \u00e0 travers cette proc\u00e9dure vous verrez si l&#039;hypoth\u00e8que souscrite a une clause plancher, et ce qui est plus important quel est l&#039;int\u00e9r\u00eat qui sera constitu\u00e9 comme plafond. Et qu&#039;il ne vous permettra pas de profiter de la baisse de l&#039;indice de r\u00e9f\u00e9rence europ\u00e9en auquel la plupart des hypoth\u00e8ques constitu\u00e9es ces derni\u00e8res ann\u00e9es sont li\u00e9es. Sans avoir \u00e0 passer par d&#039;autres canaux d&#039;information plus complexes pouvant n\u00e9cessiter une meilleure connaissance des contrats de cette classe de produits bancaires.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFPor-que-te-interesa-conocer-esta-informacion\"><\/span><span id=\"Por_que_te_interesa_conocer_este_dato\">Pourquoi souhaitez-vous conna\u00eetre ces informations?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Il est vraiment tr\u00e8s important que vous collectiez ces informations car vous pouvez engager un autre litige proc\u00e9dural contre l&#039;institution financi\u00e8re en charge de vendre ce type de cr\u00e9dits si sp\u00e9ciaux par rapport \u00e0 son objet. Parce qu&#039;en fait, vous devez en savoir d\u00e9sormais plus que le <strong>Cour de justice de l&#039;Union europ\u00e9enne<\/strong> (CJUE) a soutenu la r\u00e9troactivit\u00e9 totale des clauses de plancher. Ceci est tr\u00e8s important pour tout type de r\u00e9clamation que vous souhaitez faire \u00e0 partir de ces moments pr\u00e9cis.<\/p>\n<p>Sans surprise, l&#039;un des effets de cette action des utilisateurs signifie que d\u00e9sormais les banques doivent restituer les int\u00e9r\u00eats excessifs pay\u00e9s par les clients dont l&#039;hypoth\u00e8que avait cette clause. En pratique, cela signifie que si vous vous trouvez dans cette situation, ils devront vous rembourser de grosses sommes d&#039;argent. En raison des diff\u00e9rences dans les mensualit\u00e9s que vous devez payer par rapport \u00e0 celles appliqu\u00e9es \u00e0 partir des mod\u00e8les avec une clause plancher. Avec lequel il supposera que vous repartiez tr\u00e8s bien profit\u00e9 de cette nouvelle op\u00e9ration comptable.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFQue-conlleva-una-clausula-suelo\"><\/span><span id=\"Que_te_implica_una_clausula_suelo\">Qu&#039;implique une clause plancher?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><picture class=\"alignnone wp-image-17331 size-full\"><source type=\"image\/webp\" data-lazy-srcset=\"https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/04\/key-2323278_1280.jpg.webp 1280w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/04\/key-2323278_1280-300x200.jpg.webp 300w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/04\/key-2323278_1280-1024x682.jpg.webp 1024w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/04\/key-2323278_1280-830x553.jpg.webp 830w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/04\/key-2323278_1280-400x267.jpg.webp 400w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/04\/key-2323278_1280-450x300.jpg.webp 450w\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns='http:\/\/www.w3.org\/2000\/svg'%20viewBox='0%200%201280%20853'%3E%3C\/svg%3E\" data-lazy-sizes=\"(max-width: 1280px) 100vw, 1280px\"><\/source><br \/>\n<img alt='cl\u00e9-2323278_1280-1494652' width='1280' height='853' srcset='\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/key-2323278_1280-1494652.jpg 1280w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/key-2323278_1280-1494652-300x200.jpg 300w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/key-2323278_1280-1494652-1024x682.jpg 1024w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/key-2323278_1280-1494652-768x512.jpg 768w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/key-2323278_1280-1494652-16x12.jpg 16w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/key-2323278_1280-1494652-900x600.jpg 900w' data-lazy-sizes='(max-width: 1280px) 100vw, 1280px' src='https:\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/key-2323278_1280-1494652.jpg'>\n<\/picture><\/p>\n<p><noscript><picture class=\"alignnone wp-image-17331 size-full\"><source type=\"image\/webp\" srcset=\"https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/04\/key-2323278_1280.jpg.webp 1280w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/04\/key-2323278_1280-300x200.jpg.webp 300w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/04\/key-2323278_1280-1024x682.jpg.webp 1024w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/04\/key-2323278_1280-830x553.jpg.webp 830w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/04\/key-2323278_1280-400x267.jpg.webp 400w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/04\/key-2323278_1280-450x300.jpg.webp 450w\" sizes=\"(max-width: 1280px) 100vw, 1280px\"><\/source><br \/>\n<img alt='cl\u00e9-2323278_1280-1494652' src='https:\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/key-2323278_1280-1494652.jpg' width='1280' height='853' srcset='\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/key-2323278_1280-1494652.jpg 1280w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/key-2323278_1280-1494652-300x200.jpg 300w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/key-2323278_1280-1494652-1024x682.jpg 1024w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/key-2323278_1280-1494652-768x512.jpg 768w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/key-2323278_1280-1494652-16x12.jpg 16w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/key-2323278_1280-1494652-900x600.jpg 900w' sizes='(max-width: 1280px) 100vw, 1280px'>\n<\/picture>\n<\/noscript>Dans tous les cas, il vous sera tout \u00e0 fait n\u00e9cessaire de v\u00e9rifier que vous, en tant qu&#039;utilisateur, supposez que vous avez une clause plancher dans le pr\u00eat hypoth\u00e9caire. Parce que les diff\u00e9rences entre qui le paie et ce que vous devez payer sont plus que substantielles, comme vous pourrez d\u00e9sormais le v\u00e9rifier. Sans surprise, nous parlons d&#039;une clause tr\u00e8s sp\u00e9ciale que la banque peut inclure dans l&#039;hypoth\u00e8que lors de sa signature. L\u00e0 o\u00f9 le plus remarquable est qu&#039;il d\u00e9finit le <strong>taux d&#039;int\u00e9r\u00eat minimum<\/strong> que vous devrez payer m\u00eame lorsque l&#039;Euribor, la r\u00e9f\u00e9rence pour la plupart des pr\u00eats hypoth\u00e9caires espagnols, est ci-dessous.<\/p>\n<p>Pour que vous puissiez v\u00e9rifier \u00e0 quel point une condition tr\u00e8s abusive est de la part des institutions financi\u00e8res, rien de mieux que par un simple exemple. M\u00eame quand l&#039;Euribor <strong>est tomb\u00e9 \u00e0 0,75%<\/strong>Si la clause est 2%, le tarif mensuel est calcul\u00e9 en payant ce tarif. En d&#039;autres termes, vous ne pourrez en aucun cas b\u00e9n\u00e9ficier de la baisse de cet indice. Comment il s&#039;est d\u00e9velopp\u00e9 sur les march\u00e9s financiers au cours des cinq derni\u00e8res ann\u00e9es. L\u00e0 o\u00f9 l&#039;indice de r\u00e9f\u00e9rence europ\u00e9en a m\u00eame atteint un terrain n\u00e9gatif et des creux historiques. Sans que vous puissiez profiter de ce sc\u00e9nario si favorable \u00e0 vos int\u00e9r\u00eats en tant qu&#039;utilisateur de banque.<\/p>\n<p>Quoi qu&#039;il en soit, une grande partie des banques a d\u00e9cid\u00e9 de baisser le prix des hypoth\u00e8ques pour rem\u00e9dier \u00e0 cette incidence. Cela s&#039;est rapidement traduit par des spreads de plus en plus comp\u00e9titifs et certains d&#039;entre eux \u00e9taient m\u00eame \u00e0 <strong>niveaux tr\u00e8s proches de 2%.<\/strong> En m\u00eame temps, \u00e9liminer une bonne partie des commissions et des d\u00e9penses dans son administration ou son entretien. Au point que vous pensiez vous-m\u00eame avoir sign\u00e9 un pr\u00eat hypoth\u00e9caire pour l&#039;achat de votre maison tr\u00e8s avantageuse. Alors qu&#039;en fait, vous payiez des mensualit\u00e9s plus exigeantes que ce que vous deviez r\u00e9ellement.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFCuando-no-son-muy-transparentes\"><\/span><span id=\"Cuando_son_poco_transparentes\">Quand ne sont-ils pas tr\u00e8s transparents?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Un autre aspect qu&#039;il faut expliquer est de savoir si ces conditions tr\u00e8s particuli\u00e8res font partie d&#039;un suppos\u00e9 manque de transparence. \u00c0 cet \u00e9gard, il ne faut pas oublier que les clauses plancher sont l\u00e9gales lorsque leur totale transparence est prouv\u00e9e. En d&#039;autres termes, les hypoth\u00e8ques sont r\u00e9dig\u00e9es de mani\u00e8re simple et fondamentalement compr\u00e9hensible pour tous les utilisateurs. Et deuxi\u00e8mement, que la banque elle-m\u00eame vous a inform\u00e9 avant de signer, \u00e0 la fois de cette clause et des cons\u00e9quences qu&#039;elle pourrait \u00e9voluer dans votre \u00e9conomie nationale. Au-del\u00e0 d&#039;autres consid\u00e9rations techniques et m\u00eame comptables.<\/p>\n<p>Ces types de conditions s&#039;appliquent aux pr\u00eats hypoth\u00e9caires \u00e0 taux variable, presque toujours li\u00e9s \u00e0 l&#039;Euribor, qui repr\u00e9sentent plus de 92% de contrats \u00e9tablis en Espagne, selon les derni\u00e8res donn\u00e9es de la Banque d&#039;Espagne. M\u00eame s&#039;il faut savoir que toutes ces hypoth\u00e8ques n&#039;ont pas \u00e9t\u00e9 commercialis\u00e9es dans des conditions de peu de transparence.<\/p>\n<p>Sans surprise, c&#039;est l&#039;un des facteurs qui sont pris en compte lors du d\u00e9p\u00f4t de r\u00e9clamations devant les tribunaux. Pour cette raison, il est diff\u00e9rent qu&#039;ils aient une clause plancher que qu&#039;ils aient \u00e9t\u00e9 d\u00e9velopp\u00e9s avec <strong>peu de transparence<\/strong> par les entit\u00e9s bancaires. Ce sont des choses totalement diff\u00e9rentes que vous devez valoriser \u00e0 partir de maintenant et qui peuvent vous conduire \u00e0 diff\u00e9rentes strat\u00e9gies dans la r\u00e9clamation.<\/p>\n<p>\n\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>La cl\u00e1usula suelo es una condici\u00f3n que incluye o m\u00e1s bien incluye buena parte del sistema bancario espa\u00f1ol en los contratos de pr\u00e9stamos hipotecarios a tipo variable. Cuando estuvieran vinculados&#8230;<\/p>","protected":false},"author":1,"featured_media":129376,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1386],"tags":[],"class_list":["post-129375","post","type-post","status-publish","format-standard","has-post-thumbnail","category-negocios"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.0 (Yoast SEO v28.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>\u00bfC\u00f3mo s\u00e9 si tengo una cl\u00e1usula suelo? - R Marketing Digital<\/title>\n<meta name=\"description\" content=\"La cl\u00e1usula suelo es una condici\u00f3n que incluye o m\u00e1s bien incluye buena parte del sistema bancario espa\u00f1ol en los contratos de pr\u00e9stamos hipotecarios a\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/rmarketingdigital.com\/fr\/affaires\/como-se-si-tengo-una-clausula-suelo\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u00bfC\u00f3mo s\u00e9 si tengo una cl\u00e1usula suelo?\" \/>\n<meta property=\"og:description\" content=\"La cl\u00e1usula suelo es una condici\u00f3n que incluye o m\u00e1s bien incluye buena parte del sistema bancario espa\u00f1ol en los contratos de pr\u00e9stamos hipotecarios a\" \/>\n<meta property=\"og:url\" content=\"https:\/\/rmarketingdigital.com\/fr\/affaires\/como-se-si-tengo-una-clausula-suelo\/\" \/>\n<meta property=\"og:site_name\" content=\"R Marketing Digital\" \/>\n<meta property=\"article:published_time\" content=\"2022-08-19T15:53:52+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/people-3295555_1280-2802848.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"857\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"R Marketing Digital\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/rmarketingdigital.com\\\/negocios\\\/como-se-si-tengo-una-clausula-suelo\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/rmarketingdigital.com\\\/negocios\\\/como-se-si-tengo-una-clausula-suelo\\\/\"},\"author\":{\"name\":\"R Marketing Digital\",\"@id\":\"https:\\\/\\\/rmarketingdigital.com\\\/#\\\/schema\\\/person\\\/7c0d9782b2977b840b3740f00c69a73e\"},\"headline\":\"\u00bfC\u00f3mo s\u00e9 si tengo una cl\u00e1usula suelo?\",\"datePublished\":\"2022-08-19T15:53:52+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/rmarketingdigital.com\\\/negocios\\\/como-se-si-tengo-una-clausula-suelo\\\/\"},\"wordCount\":1629,\"image\":{\"@id\":\"https:\\\/\\\/rmarketingdigital.com\\\/negocios\\\/como-se-si-tengo-una-clausula-suelo\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/rmarketingdigital.com\\\/wp-content\\\/uploads\\\/2021\\\/04\\\/people-3295555_1280-2802848.jpg\",\"articleSection\":[\"Negocios\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/rmarketingdigital.com\\\/negocios\\\/como-se-si-tengo-una-clausula-suelo\\\/\",\"url\":\"https:\\\/\\\/rmarketingdigital.com\\\/negocios\\\/como-se-si-tengo-una-clausula-suelo\\\/\",\"name\":\"\u00bfC\u00f3mo s\u00e9 si tengo una cl\u00e1usula suelo? 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