{"id":628,"date":"2018-07-04T06:53:42","date_gmt":"2018-07-04T06:53:42","guid":{"rendered":"http:\/\/jghabogados.com\/NUEVA\/en\/?page_id=628"},"modified":"2018-11-22T13:26:36","modified_gmt":"2018-11-22T13:26:36","slug":"mortages-individuals","status":"publish","type":"page","link":"https:\/\/www.jghabogados.com\/en\/legal-services-to-individuals\/mortages-individuals\/","title":{"rendered":"Mortages"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"628\" class=\"elementor elementor-628 elementor-bc-flex-widget\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d0f8aeb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d0f8aeb\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-5233ddc\" data-id=\"5233ddc\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3104d06 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"3104d06\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;bounceInLeft&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-xl\">MORTAGES<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aa70833 elementor-widget-divider--view-line elementor-invisible elementor-widget elementor-widget-divider\" data-id=\"aa70833\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;bounceInLeft&quot;}\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b57939a elementor-widget elementor-widget-text-editor\" data-id=\"b57939a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>JGH &amp; ABOGADOS<\/strong> advices in relation to claims to banking entities, helping its clients to recover the unduly paid for the application of floor clauses and multi-currency mortgage clauses.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c8b17b6 elementor-widget elementor-widget-heading\" data-id=\"3c8b17b6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-large\">Floor Clause<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1d99561c elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"1d99561c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-9530278\" data-id=\"9530278\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a3346b0 elementor-widget elementor-widget-image\" data-id=\"a3346b0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"900\" height=\"477\" src=\"https:\/\/www.jghabogados.com\/en\/wp-content\/uploads\/2018\/08\/hipotecas-e1533291373283.jpeg\" class=\"attachment-full size-full wp-image-1566\" alt=\"\" srcset=\"https:\/\/www.jghabogados.com\/en\/wp-content\/uploads\/2018\/08\/hipotecas-e1533291373283.jpeg 900w, https:\/\/www.jghabogados.com\/en\/wp-content\/uploads\/2018\/08\/hipotecas-e1533291373283-300x159.jpeg 300w, https:\/\/www.jghabogados.com\/en\/wp-content\/uploads\/2018\/08\/hipotecas-e1533291373283-768x407.jpeg 768w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2d4e3995 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2d4e3995\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6ea372fe\" data-id=\"6ea372fe\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-21a6838e elementor-widget elementor-widget-text-editor\" data-id=\"21a6838e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The Floor Clause is a clause included in a lot of mortgage contracts that establishes a minimum interest to pay in the instalments of the mortgage, regardless of the interest established by the market. According to the European Court of Justice, the banking entities must return the amounts unduly paid for this clause, from the execution date of the mortgage.<\/p><p>\u00a0<\/p><p>If you signed your mortgage between 2001 and 2012 and, furthermore, the monthly fee hasn\u2019t reduced in the last years as the Euribor, it is probable that you have a floor clause.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f42a5ce elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f42a5ce\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-cf3202f\" data-id=\"cf3202f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-02709fb elementor-widget elementor-widget-heading\" data-id=\"02709fb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-large\">Multicurrency Mortgage<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-df65f29 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"df65f29\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3febeab elementor-widget elementor-widget-text-editor\" data-id=\"3febeab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>This is a mortgage that has as reference a foreign currency, normally Yens or Swiss francs.<\/p><p>\u00a0<\/p><p>The commercialization of the multicurrency mortgages was carried out by financial entities highlighting the advantages that involved reducing the interest rate, but they hided the risk to bet against the devaluation of the euro.<\/p><p>\u00a0<\/p><p>If you subscribed a Multicurrency Mortgage, you can claim the unduly paid amounts.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7021ddc9 elementor-section-content-top elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7021ddc9\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-7b24859f\" data-id=\"7b24859f\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7cb35eb1 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"7cb35eb1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\"> Back to SERVICES TO INDIVIDUALS<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-6abca255\" data-id=\"6abca255\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3db2acec elementor-align-center elementor-widget elementor-widget-button\" data-id=\"3db2acec\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"\/en\/form-information\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Request information without commitment<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-11cd9601\" data-id=\"11cd9601\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>MORTAGES JGH &amp; ABOGADOS advices in relation to claims to banking entities, helping its clients to recover the unduly paid for the application of floor clauses and multi-currency mortgage clauses. Floor Clause The Floor Clause is a clause included in a lot of mortgage contracts that establishes a minimum interest to pay in the instalments [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":333,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-628","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Mortages - JGH &amp; ABOGADOS<\/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:\/\/www.jghabogados.com\/en\/legal-services-to-individuals\/mortages-individuals\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Mortages - JGH &amp; ABOGADOS\" \/>\n<meta property=\"og:description\" content=\"MORTAGES JGH &amp; ABOGADOS advices in relation to claims to banking entities, helping its clients to recover the unduly paid for the application of floor clauses and multi-currency mortgage clauses. 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