Ante los tribunales h\u00fangaros, los contratos de pr\u00e9stamo con intereses vinculados al tipo de cambio suelen declararse parcialmente nulos. Sin embargo, en muchas sentencias del Tribunal Supremo de Hungr\u00eda, la informaci\u00f3n sobre los riesgos solo se aborda desde un punto de vista formal.<\/p>\n
Durante a\u00f1os hemos defendido \u2014en muchos casos con \u00e9xito\u2014 que este enfoque es inadecuado. Asimismo, solemos destacar que, con arreglo a la Directiva 93\/13\/CEE, la valoraci\u00f3n jur\u00eddica de casos comparables debe ser coherente en todos los Estados miembros de la Uni\u00f3n Europea. Por lo tanto, el factor decisivo deber\u00eda ser un an\u00e1lisis de la pr\u00e1ctica jur\u00eddica de todos los Estados miembros.<\/p>\n
Recientemente, el Tribunal Supremo de Eslovenia fall\u00f3 a favor del prestatario en relaci\u00f3n con un contrato de pr\u00e9stamo vinculado al tipo de cambio y declar\u00f3 nulo dicho contrato en su totalidad. Cabe destacar que el tribunal esloveno sigui\u00f3 exactamente la l\u00ednea argumental que NZP NAGY LEGAL lleva a\u00f1os defendiendo.<\/p>\n
La sentencia eslovena suscit\u00f3 un gran inter\u00e9s, incluso en la prensa h\u00fangara. Aunque a\u00fan no disponemos del texto completo de los fundamentos de la resoluci\u00f3n, podemos resumir el comunicado de prensa emitido por el Tribunal Supremo de Eslovenia.<\/p>\n
Seg\u00fan la sentencia, los contratos de pr\u00e9stamo con intereses vinculados al tipo de cambio no deben clasificarse como contratos convencionales, sino como operaciones financieras de riesgo. Requieren informaci\u00f3n detallada que resulte comprensible para el consumidor. El tribunal consider\u00f3 que, en el caso que nos ocupa, no se hab\u00edan cumplido los requisitos establecidos por el TJUE en la sentencia C-186\/16:
\n\u00b7 The contractual terms must be explained clearly and intelligibly; the consumer must be informed of the factors influencing the interest mechanism, and possible exchange-rate fluctuations must also be addressed.
\n\u00b7 CHF-based loans are not conventional loans; they are closely linked to the foreign exchange market, and the consumer must also be informed of this.
\n\u00b7 The bank\u2019s duty to provide information also includes explaining that a negative development of the euro increases both the debt and the interest burden.
\n\u00b7 Where the loan contains special features that differ from the normal case, the bank is also subject to a duty to provide information in that respect.
\n\u00b7 The bank must recommend options to the consumer that reduce exchange-rate risk.
\n\u00b7 Especially where consumers have no income in CHF, they cannot be treated as speculative investors; consumers generally choose an exchange-rate-based loan agreement only because of the lower interest rates.
\n\u00b7 Furthermore, the bank bears a particularly heavy burden where it was aware of the fall of the euro and the consumer\u2019s financial overburdening.<\/p>\n
El Tribunal Supremo de Eslovenia tambi\u00e9n destac\u00f3 que en el caso se hab\u00edan tenido en cuenta sentencias alemanas y espa\u00f1olas.
\nSi este tema te interesa, no dudes en ponerte en contacto con nosotros.<\/p>","protected":false},"excerpt":{"rendered":"
Before Hungarian courts, loan agreements with exchange-rate-linked interest are regularly declared partially invalid. In many judgments of the Hungarian Supreme Court, however, risk disclosure is addressed only in a formal sense. For years, we have argued \u2014 in many cases successfully \u2014 that this approach is inappropriate. We also regularly emphasise that, under Directive 93\/13\/EEC, […]<\/p>\n","protected":false},"author":29,"featured_media":55783,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[139],"tags":[],"class_list":["post-56009","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news-en"],"acf":[],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\t