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Hinojosa Abogados

Claim of
Mortgage Expenses

What are the mortgage expenses that can be claimed?

The contracts of real estate credit, the mortgages, carry a series of expenses that must be paid in the form and percentage that marks the legislation between the contracting party and the entity that gives the loan (banks). Until now, the banks had signed mortgages with abusive clauses for the person applying for the mortgage and which oblige consumers to pay expenses which, by law, correspond to the bank. It is precisely these mortgage expenses that we can claim to the entity in which we contracted the mortgage, for not conforming to the law and being an abusive practice.

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The contracts of real estate credit, mortgages, have a series of expenses that must be paid in the form and percentage established by the legislation between the contracting party and the entity that gives the loan (banks). Until now, the banks had signed mortgages with abusive clauses for the person applying for the mortgage and which oblige consumers to pay expenses that, by law, correspond to the bank. It is precisely these mortgage expenses that we can claim from the entity in which we contracted the mortgage, for not being in accordance with the law and being an abusive practice.

We solve your doubts

You can recover the full amount of the mortgage costs, i.e. The notary’s bill:

  • The notary’s bill (you get back 50%).
  • The property registrar’s bill (you get it back in full).
  • The bill for the valuation of the property (you get it back in full).
  • The bill of the agency that processed the registration (you get it back in full).
  • Anyone who has or has had a mortgage can make a claim.
  • As long as less than 4 years have passed since the last monthly payment.
  • It does not matter whether the mortgage has already been paid off or not.

If a clause is null and void, there is no statute of limitations to request its nullity. There are deadlines for claiming the amounts, although the Supreme Court has yet to clarify when this period begins to run.

Bring us your mortgage and we will tell you if you can claim and how much you could recover.

C/Marqués del Duero 76 30 d. 29670

C/Jose Cruz Conde, 11, Planta 3ª, 14008

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