BANKING LAW
Specialists in Banking Law
We will solve any doubt
The Firm has professionals who are fluent in English
and can draft relevant documents in that language.
Lledó García Aranda Lawyers is a specialist in this area and will personalize the attention provided and understand each particularity of each issue in order to solve it.
MORTGAGE COSTS
The Firm will find a solution either by negotiating with the Financial Institution in question or, if this is not possible, through legal proceedings.
Concept
They are the set of charges of which a bank requests payment when the mortgage loan is formalised.
At present, after the last Ruling of the Supreme Court declaring the nullity of the Mortgage Costs clause, the following issues are grounds for a claim:
- Costs of valuation of the dwelling.
- Expenses commission of opening.
- Notary fees corresponding to the Mortgage Loan Deed.
- Management fees, if they have been imposed by the Financial Institution in question.
- Property Register invoice for the registration of the mortgage.
- Tax on Documented Legal Costs.
Floor Clause
The Floor Clause obliges those applying for a loan to pay a minimum interest rate regardless of market interest.
This clause is imposed on many customers by the Bank without informing them transparently when signing the Mortgage Loan.
Lledó García Aranda Lawyers will advise you and help you to claim all that has been unduly charged in the event that this clause has been imposed.
The chances of success are very encouraging.
Foreclosure:
In the event of a foreclosure, the bank may require you to pay the unpaid monthly instalments.
Lledó García Aranda Abogados will advise you on the best solution for your situation.
