The SUPERIOR COURT OF JUSTICE OF THE EUROPEAN UNION considers that the amounds paid in concept of Mortgage expenses for a clause declared abusive must be returned to the consumer. Going to the national regulations, it must be determined to whom the payment of each clause corresponds. In those cases in which there is no regulation that obliges the client to pay these expenses, the bank must pay these amounts.
The mortgage expenses are the amounts derived from the payment of the notary, management, taxes and appraisal at the time of formalizing the mortgage.
What expenses can I claim? And who is responsible for paying each bill?
• Invoice from the NOTARY corresponding to the Mortgage Loan Deed must be paid in half between the bank and the mortgaged.
• Appraisal expenses of the house must be paid by the bank.
• Invoice from the PROPERTY REGISTRY for the registration of the Mortgage must be paid by the Bank.
• MANAGEMENT expenses, must be paid by the bank if the bank has hired it.
Another basic question that comes to mind is who can claim the mortgage, can I claim if it is already canceled or paid?
All those who have or have had a mortgage loan can claim. Whether it is active, or if you have sold your house or if you have made novations on the initial loan and in those cases in which it has already been paid in full and a period of more than 4 years has not passed.
DAMATOABOGADOS has expert lawyers in banking law, specialized in claims of this type. Get in touch with DAMATOABOGADOS without obligation, we will study your case and in 48 hours we will give you a well-founded answer about the viability of your claim and a personalized budget.