Search results for "Mortgage"
showing 10 items of 18 documents
Another "French paradox": explaining why interest rates to microenterprises dit not increase with the change in French usury legislation
2015
Conventional wisdom indicates that the growth of credit may not materialize if credit rates remain capped by usury laws, as had long been the case in France. France therefore abolished usury ceilings on loans to microenterprise in an effort to increase financing for microentrepreneurs. This should have led to an increase in interest rates and increase in microcredit. However, we do not find any increase in interest rates and this is therefore a paradox. The paper provides a brief literature review and the salient features of the legislative changes in France. It follows this up with a presentation of interest rate movements. The discussion of possible explanations of the paradox includes cl…
El delito de impago de pensiones (art. 227 cp) tras la última jurisprudencia del tribunal supremo español (ssts núms. 346/2020 de 25 de junio; 348/20…
2021
Estudio del art. 207 CP en clave jurisprudencial
Análisis jurisprudencial de la legitimación pasiva de las entidades financieras en las reclamaciones realizadas por consumidores derivadas de una com…
2021
Consumers, who acquired real estate through a deed of sale with a mortgage subrogation, have made numerous claims against the financial entities. They request the nullity of the clause that imposes upon them all the expenses cause by the notarial deed. Financial entities have alleged that they do not have the capacity to be sued. Courts decisions have been diverse.
Consideraciones sobre la cláusula irph a la luz de sus antecedentes y de la doctrina consolidada del tribunal de justicia de la union europea
2021
By issuing its judgment of March 3, 2020, the Court of Justice of the European Union (CJEU) has terminated the last episode in the evolution of the IRPH index to which almost a tenth of mortgages have been referring. in Spain, compared to the rest that the Euribor takes as a reference, declaring in essence that consumers will be able to go to court to declare the abusiveness of the clause that the aforementioned index contains in the deeds of constitution of the mortgage. To understand the scope of the current situation, it is convenient to consider even briefly what the IRPH consists of and the consequences that its application has entailed for the affected consumer borrowers, taking into …
La nueva oportunidad de la hipoteca inversa
2021
The reverse mortgage is a credit or loan guaranteed by a mortgage that falls on the applicant?s habitual residence, granted at once, or through periodic benefits, to a person who must be over a certain age or prove a degree of disability or dependency, and is not due until the time of death. In view of the doubts that the future of the public pension is raising and the concentration of savings in Spanish property, the reverse mortgage is once again being put on the table as a viable alternative to complement a public pension with little revaluation, in view of the increase in life expectancy and expenses after retirement.
Noticias del caos
2007
Algunas reflexiones acerca de la stjue de 9 de julio de 2020 sobre los pactos novatorios en materia de cláusulas suelo
2021
The Sentence of the Court of Justice of the European Union of July 9, 2020 comes to answer the five questions that, in its preliminary question, the Court of First Instance and Instruction No. 3 of Teruel asks about the validity of the new agreements in the context of the floor clauses, establishing jurisprudential doctrine on this matter about which our Supreme Court had previously ruled in its Judgments of October 16, 2017, in the sense of considering the agreed floor clause null as a consequence of the novation agreement and, subsequently, those of April 11, 2018 and September 13, 2018 in the opposite direction, declaring that the novation agreement was valid. It is a long-awaited and in…
Odwrócony kredyt hipoteczny jako źródło uposażenia emerytalnego (Reverse mortgage as a source of pension equipment)
2016
Creditori chirografari e creditori privilegiati: appunti sulla graduazione dei creditori nella distribuzione del ricavato
2016
L'articolo esamina le cause di prelazione e i privilegi processuali, che regolano l’ordine di distribuzione delle somme ricavate dalle vendite forzate.
Il mutuo fondiario e la violazione del limite di importo massimo finanziabile: “scotismo” e onnipotenza delle etichette
2023
Il commento analizza una sentenza della Sezioni Unite e affronta il tema delle conseguenze civilistiche dell’erogazione di un mutuo fondiario in misura superiore rispetto al limite di importo massimo finanziabile, stabilito dalla Banca d’Italia in forza dell’art. 38, comma 2, T.U.B. La pronuncia si presenta di grande interesse perché correttamente esclude che il superamento di tale limite possa comportare la nullità del contratto di finanziamento, pervenendo a conclusioni in larga parte condivisibili tanto sui presupposti quanto sulle caratteristiche della nullità per violazione di norme imperative. Non altrettanto fondata si rivela, invece, l’ulteriore conclusione contraria al riconoscimen…