L'Oficina del Consumidor de Tordera at\u00e9n els dubtes i consultes sobre les cl\u00e0usules s\u00f2l a les hipoteques - R\u00e0dio Tordera<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/radiotordera.cat\/radio\/52297\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"L'Oficina del Consumidor de Tordera at\u00e9n els dubtes i consultes sobre les cl\u00e0usules s\u00f2l a les hipoteques - R\u00e0dio Tordera\" \/>\n<meta property=\"og:description\" content=\"Totes aquelles persones que sospitin que poden estar afectades per la “Cl\u00e0usula s\u00f2l” a la seva hipoteca tenen a la seva disposici\u00f3 l\u2019Oficina Municipal d\u2019Informaci\u00f3 al Consumidor (OMIC) per atendre consultes i dubtes sobre aquesta q\u00fcesti\u00f3. 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{"id":52297,"date":"2017-02-07T13:52:23","date_gmt":"2017-02-07T12:52:23","guid":{"rendered":"http:\/\/radiotordera.cat\/radio\/?p=52297"},"modified":"2017-02-07T13:52:23","modified_gmt":"2017-02-07T12:52:23","slug":"loficina-del-consumidor-de-tordera-aten-els-dubtes-i-consultes-sobre-les-clausules-sol-a-les-hipoteques","status":"publish","type":"post","link":"https:\/\/radiotordera.cat\/radio\/52297\/","title":{"rendered":"L’Oficina del Consumidor de Tordera at\u00e9n els dubtes i consultes sobre les cl\u00e0usules s\u00f2l a les hipoteques"},"content":{"rendered":"

$\"03203\"$ <\/a>Totes aquelles persones que sospitin que poden estar afectades per la “Cl\u00e0usula s\u00f2l” a la seva hipoteca tenen a la seva disposici\u00f3 l\u2019Oficina Municipal d\u2019Informaci\u00f3 al Consumidor (OMIC) per atendre consultes i dubtes sobre aquesta q\u00fcesti\u00f3.<\/p>\n

Per aquest motiu, tots els qui creguin que podrien estar afectats per aquesta cl\u00e0usula i en vulguin m\u00e9s informaci\u00f3 poden demanar cita pr\u00e8via a l’OMIC, adre\u00e7ant-se o trucant al l’Oficina d’Atenci\u00f3 al Ciutad\u00e0 de l’Ajuntament (Pl. Esgl\u00e9sia 2, tel. 937643717. De dilluns a divendres de 9:00h a 14:00h i dimarts i dijous de 17:00h a 19:00h). L\u2019alcalde de Tordera, Joan Carles Garcia explica que la diputaci\u00f3 de Barcelona ha aprovat destinar m\u00e9s recursos econ\u00f2mics a les oficines dels consumidors per assessorar i informar als ciutadans afectats.<\/p>\n

clausules alcalde<\/a><\/p>\n

La cl\u00e0usula s\u00f2l \u00e9s un apartat del contracte que preveu algunes hipoteques i que fixa els interessos m\u00ednims que cal pagar durant tota la vida de la hipoteca. La cl\u00e0usula fixa un tipus d\u2019inter\u00e8s m\u00ednim en previsi\u00f3 d\u2019una caiguda de l\u2019Eur\u00edbor, l\u2019\u00edndex de refer\u00e8ncia per calcular els interessos de la hipoteca, fet que provoca que els clients no es puguin beneficiar d\u2019una quota de la hipoteca baixa.<\/p>\n

La just\u00edcia europea ha considerat recentment aquest tipus de cl\u00e0usules com a \u201cabusives\u201d i ha obert la porta a que els bancs tornin als seus clients l\u2019import de les quantitats indegudament cobrades per les entitats financeres en concepte de \u201ccl\u00e0usules s\u00f2l\u201d mitjan\u00e7ant el mecanisme que preveu el reial decret llei aprovat pel Consell de Ministres.<\/p>\n","protected":false},"excerpt":{"rendered":"