{"id":2579,"date":"2016-07-14T10:54:56","date_gmt":"2016-07-14T08:54:56","guid":{"rendered":"http:\/\/www.argia.eus\/blogak\/mikel-garcia\/?p=2579"},"modified":"2016-07-14T10:54:56","modified_gmt":"2016-07-14T08:54:56","slug":"herritarrez-ez-bankuez-errukitu-da-europa","status":"publish","type":"post","link":"https:\/\/blogak.argia.eus\/mikel-garcia\/2016\/07\/14\/herritarrez-ez-bankuez-errukitu-da-europa\/","title":{"rendered":"Herritarrez ez, bankuez errukitu da Europa"},"content":{"rendered":"

Klausula abusiboen bidez milaka herritarrei bankuek lapurturiko dirua bere osotasunean itzuli ala ez erabaki behar zuen Europar Batasuneko Justizia Auzitegiko abokatuak. Justizia egin baino, ordea, nahiago izan du bankuen aldeko erabaki politikoa eta praktikoa hartu (praktikoa batzuentzat, uler bedi): \u201cSalbuespen gisa\u201d, adierazi du<\/a>, \u201ckontsumitzaileen babesa\u201d baino garrantzitsuagoa jo du bezeroei dagokien dirutza hori itzultzeak bankuei sortuko liekeen zuloa eta \u201condorio makroekonomikoak\u201d saihestea.\"zoru<\/a><\/p>\n

Hipoteka-maileguetako zoru-klausulak dira auzitan daudenak, interes tipoak igo ahala mailegua igo arren, interes tipoak jaitsi direnean mailegua neurri berean jaistea eragozten \u2013eta beraz herritarrei hipotekagatik dagokiena baino interes gehiago ordainarazten\u2013 duten klausulak. Bi aukeren artean egin behar zuen abokatuak: bankuek ilegalki kobraturiko dirua bezeroei osotasunean itzultzea, ala Espainiako Auzitegi Gorenarekin bat egin eta 2013tik aurrerakoa baino ez itzultzea, \u201cherrialdearen egonkortasun ekonomikoa\u201d jokoan zegoela argudiatuta. Bigarren aukeraren alde egin du abokatuak eta behin-betiko erabakia Europako auzitegiak udazkenean hartuko duen arren, abokatuaren txostenarekin bat etortzea espero da.<\/p>\n

Behin baino gehiagotan frogatu da<\/a> iruzurra direla zoru-klausulak, hipoteka-kontratuetan gardentasunik gabe sartu dituztelako bankuek, ezkutuan, herritarrari zer sinatzen ari zen jakinarazi gabe; krisi latzean, klausula hauek itota (izan) dituzte herritar asko eta asko eta zoru-klausularik egon ez balitz etxe kaleratzeen %10 saihestuko ziratekeela kalkulatzen du<\/a> Hipotekak Kaltetutakoen Plataformak; logikak agintzen du, klausula hauek praktika ilegala izan direla frogatuta dagoenean, herritarrari ostu dioten diru guztia itzuli beharko lioketela bankuek \u2013asko dira formula posibleak, adibidez bezeroari ordaintzeko gelditzen zaion hipoteka-mailegua txikitzea\u2013. Baina alferrik da, oparoaldian zein krisi garaian, argi geratu da: preferenteak saltzen eta neurriz kanpoko komisioak kobratzen dituzten bankuak, etxe hutsak metatzen dituzten bitartean jendea etxetik kaleratzen duten horiek berak, beti ateratzen dira garaile. Inpunitate horren atzaparretatik ihes egiteko, banku etikoa beste alternatibarik ez dago.<\/p>\n","protected":false},"excerpt":{"rendered":"

Klausula abusiboen bidez milaka herritarrei bankuek lapurturiko dirua bere osotasunean itzuli ala ez erabaki behar zuen Europar Batasuneko Justizia Auzitegiko abokatuak. Justizia egin baino, ordea, nahiago izan du bankuen aldeko erabaki politikoa eta praktikoa hartu (praktikoa batzuentzat, uler bedi): \u201cSalbuespen gisa\u201d, adierazi du, \u201ckontsumitzaileen babesa\u201d baino garrantzitsuagoa jo du bezeroei dagokien dirutza hori itzultzeak bankuei […]<\/p>\n","protected":false},"author":21,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[177,389,391,596,637,1000],"class_list":["post-2579","post","type-post","status-publish","format-standard","hentry","category-ekonomia","tag-banku","tag-europa","tag-europar-batasuna","tag-iruzur","tag-klausula-abusibo","tag-zoru-klausula"],"yoast_head":"\nHerritarrez ez, bankuez errukitu da Europa - Jendartean<\/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:\/\/blogak.argia.eus\/mikel-garcia\/2016\/07\/14\/herritarrez-ez-bankuez-errukitu-da-europa\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Herritarrez ez, bankuez errukitu da Europa - Jendartean\" \/>\n<meta property=\"og:description\" content=\"Klausula abusiboen bidez milaka herritarrei bankuek lapurturiko dirua bere osotasunean itzuli ala ez erabaki behar zuen Europar Batasuneko Justizia Auzitegiko abokatuak. 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