{"id":9331,"date":"2023-10-01T09:53:18","date_gmt":"2023-10-01T08:53:18","guid":{"rendered":"https:\/\/gomezmaestre.com\/web\/?p=9331"},"modified":"2023-10-01T09:53:27","modified_gmt":"2023-10-01T08:53:27","slug":"9331-2","status":"publish","type":"post","link":"https:\/\/gomezmaestre.com\/web\/9331-2\/","title":{"rendered":""},"content":{"rendered":"<p>29.09.2023<\/p><h2 class=\"wp-block-heading\"><strong>CONSUM. PR\u00c9STEC HIPOTECARI<\/strong><\/h2><ul class=\"wp-block-list\"><li><\/li><\/ul><h2 class=\"wp-block-heading\">Es considera consumidor qui ho sol\u00b7licita per a una futura activitat professional?<\/h2><figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/repository.clientlink.es\/repository\/common\/images\/shutterstock1081531322.jpg?328\" alt=\"Consum. Pr\u00e9stec hipotecari\"\/><\/figure><p>El&nbsp;<strong>concepte de consumidor<\/strong>&nbsp;en un contracte de pr\u00e9stec no dep\u00e8n de la personalitat del contractant, sin\u00f3 de si els diners obtinguts s&#8217;apliquen o no a activitats professionals o empresarials.<\/p><p>Aix\u00ed ho ha dit el Tribunal Suprem en una recent sent\u00e8ncia resolent un litigi iniciat per un&nbsp;<strong>client contra la seva entitat banc\u00e0ria<\/strong>&nbsp;quan aquest es va negar a declarar nul el contracte de pr\u00e9stec i a la devoluci\u00f3 de les quantitats pagades a causa de l&#8217;eliminaci\u00f3 de la&nbsp;<strong>cl\u00e0usula terra<\/strong>&nbsp;i l&#8217;aplicaci\u00f3 de la normativa de protecci\u00f3 al consumidor.<\/p><p><strong>El banc<\/strong>&nbsp;va argumentar que el client destinava els pr\u00e9stecs al desenvolupament d&#8217;una&nbsp;<strong>activitat professional<\/strong>, per la qual cosa no tenia la consideraci\u00f3 de consumidor quan va signar els contractes de&nbsp;<strong>novaci\u00f3<\/strong>&nbsp;dels pr\u00e9stecs.<\/p><p><strong>El client<\/strong>, per\u00f2, ent\u00e9n que la normativa de protecci\u00f3 al consumidor li \u00e9s d&#8217;aplicaci\u00f3, ja que ho era&nbsp;<strong>quan va signar el contracte<\/strong>&nbsp;de pr\u00e9stec, encara que posteriorment va donar als diners la destinaci\u00f3 esmentada. Cal tenir en compte les circumst\u00e0ncies del moment de la signatura del contracte.<\/p><p>Tot i que el&nbsp;<strong>tribunal<\/strong>&nbsp;territorial que va con\u00e8ixer el litigi va donar la ra\u00f3 a favor de l&#8217;entitat banc\u00e0ria, el&nbsp;<strong>Tribunal Suprem<\/strong>&nbsp;ha estimat el recurs del client. Recordeu que el concepte de consumidor ha d&#8217;estar vinculat a&nbsp;<strong>l&#8217;objecte de l&#8217;operaci\u00f3<\/strong>, independentment de la personalitat del contractant.<\/p><p>Per tant, nom\u00e9s si els contractes s\u00f3n&nbsp;<strong>independents de qualsevol activitat professional<\/strong>&nbsp;o econ\u00f2mica mereixen la protecci\u00f3 de la legislaci\u00f3 per als consumidors. La&nbsp;<strong>naturalesa futura<\/strong>&nbsp;de l&#8217;activitat no afecta de cap manera la seva qualificaci\u00f3 com a professional.<\/p><p>Aix\u00ed, la no aplicaci\u00f3 de la protecci\u00f3 del consumidor als contractes de pr\u00e9stec no deriva de l&#8217;<strong>alta com a aut\u00f2nom<\/strong>&nbsp;en l&#8217;activitat agr\u00edcola quan es van signar els contractes de novaci\u00f3, sin\u00f3 de l&#8217;aplicaci\u00f3 projectada pels diners obtinguts mitjan\u00e7ant els pr\u00e9stecs.<\/p>","protected":false},"excerpt":{"rendered":"<p>Es considera consumidor qui ho sol\u00b7licita per a una futura activitat professional?<\/p>\n","protected":false},"author":1,"featured_media":9173,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"footnotes":""},"categories":[1,168],"tags":[],"class_list":["post-9331","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-processal"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/gomezmaestre.com\/web\/wp-json\/wp\/v2\/posts\/9331"}],"collection":[{"href":"https:\/\/gomezmaestre.com\/web\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/gomezmaestre.com\/web\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/gomezmaestre.com\/web\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/gomezmaestre.com\/web\/wp-json\/wp\/v2\/comments?post=9331"}],"version-history":[{"count":1,"href":"https:\/\/gomezmaestre.com\/web\/wp-json\/wp\/v2\/posts\/9331\/revisions"}],"predecessor-version":[{"id":9332,"href":"https:\/\/gomezmaestre.com\/web\/wp-json\/wp\/v2\/posts\/9331\/revisions\/9332"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/gomezmaestre.com\/web\/wp-json\/wp\/v2\/media\/9173"}],"wp:attachment":[{"href":"https:\/\/gomezmaestre.com\/web\/wp-json\/wp\/v2\/media?parent=9331"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/gomezmaestre.com\/web\/wp-json\/wp\/v2\/categories?post=9331"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/gomezmaestre.com\/web\/wp-json\/wp\/v2\/tags?post=9331"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}