La Audiencia de Sevilla avala ahora las polémicas ‘cláusulas suelo’ en las hipotecas

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La Audiencia de Sevilla avala ahora las polémicas ‘cláusulas suelo’ en las hipotecas

SENTENCIA | Revoca el fallo del Juzgado Mercantil que las anuló
La Audiencia Provincial de Sevilla considera que las cláusulas que imponen un tipo de interés mínimo (suelo) y máximo (techo) en las hipotecas son plenamente legales. La sentencia de la sección quinta de la Audiencia, fechada el pasado 7 de octubre, revoca el fallo del Juzgado Mercantil n.º 2 de Sevilla que anuló dichas cláusulas.

El caso proviene de una acción colectiva emprendida por Ausbanc contra BBVA, Cajamar y Novacaixa Galicia. En primera instancia, el juez prohibió a estas entidades utilizar dichas cláusulas a futuro por ser “abusivas”. Según el fallo de la Audiencia Provincial de Sevilla, al que ha tenido acceso ELMUNDO.es, el fijar un tipo de interés mínimo a un préstamo hipotecario es plenamente legal.

La sentencia incide en que el consumidor es o puede ser conocedor de que su préstamo hipotecario incluye ese tipo de limitaciones a la bajada de los tipos de interés. En nuestro país, según datos del Banco de España, el 29% de las hipotecas tiene algún tipo de cláusula que limita la rebaja de la cuota que paga el cliente.

La “claridad y transparencia” están garantizadas por una Orden Ministerial de mayo de 1994. En ella se señala que la entidad entrega primero un folleto informativo al cliente sobre las condiciones de la hipoteca. Tras la tasación del inmueble, se ha de hacer una oferta vinculante que incluye las condiciones financieras. El cliente puede aceptar o rechazar dichas condiciones. Si las acepta, en el momento de elevar el préstamo a escritura pública, el notario está “obligado a informar a las partes y a advertir sobre las circunstancias del interés variable y especialmente si las limitaciones a la variación del tipo de interés no son semejantes al alza y a la baja”.

“Esta minuciosa regulación legal del recorrido preparatorio del contrato garantiza la transparencia, la información, la libre formación de la voluntad del prestatario y si tras ello expresa su voluntad de aceptar y obligarse, ha de concluirse que lo hace libremente, con total conocimiento del contenido del pacto de limitación de la variabilidad de intereses”, apunta la sentencia. “Por ello, debe descartarse que los pactos de limitación de la variabilidad de intereses que nos ocupan hayan sido impuestos a los solicitantes del préstamo”.

En cuanto al que haya falta de reciprocidad entre el suelo y el techo de una hipoteca, el tribunal apunta que uno no es contraprestación de otro. “La introducción de límites a la variabilidad de los tipos que reduzca el riesgo de la contingencia de las subidas y bajadas, no es un pacto que se corresponda con ninguna otra contraprestación de la entidad prestamista, cuya única obligación en el contrato de préstamo, insistimos, es la de entregar al prestatario el dinero”.

“Aceptado un determinado precio por el prestatario, la mayor o menor onerosidad de la operación financiera no supone un desequilibrio de los derechos y obligaciones de las partes“, continúa la sentencia.
“En el caso de los préstamos, sólo si el precio convenido es producto de un aprovechamiento de un estado de necesidad del prestatario habría que acudir a las normas que protegen al prestatario frente a préstamos usurarios”, prosigue el fallo.

La sentencia pone el ejemplo de una cláusula de Caixa Galicia, con suelo del 2,75% y techo del 10%. Y recuerda que en julio de 2008 el Euribor llegó al 5,393%, al que se añadía el diferencial del 1,5% que pagaba el cliente. De ese modo, “el interés que pagaba el prestatario en ese momento estaba prácticamente a la misma distancia del techo que del suelo. Es decir, los tipos fluctúan, los préstamos son de larga duración, el comportamiento de los mercados financieros a largo plazo muy difícil de predecir”, agrega.

El tribunal de Sevilla señala, además, que Ausbanc “carece de legitimación activa para el ejercicio de acciones colectivas para la defensa de los intereses generales de consumidores y usuarios” al haber quedado excluida del registro estatal de asociaciones de consumidores.

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