{"id":522,"date":"2022-04-14T15:05:20","date_gmt":"2022-04-14T15:05:20","guid":{"rendered":"http:\/\/lezamaasesores.com\/gabinete\/?page_id=522"},"modified":"2022-04-14T15:15:09","modified_gmt":"2022-04-14T15:15:09","slug":"hipoteca-multidivisa","status":"publish","type":"page","link":"http:\/\/lezamaasesores.com\/gabinete\/hipoteca-multidivisa\/","title":{"rendered":"Hipoteca Multidivisa"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"522\" class=\"elementor elementor-522\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-37bcb87 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"37bcb87\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"aux-parallax-section elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-012d031\" data-id=\"012d031\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8f0e33f elementor-widget elementor-widget-aux_breadcrumbs\" data-id=\"8f0e33f\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"aux_breadcrumbs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"aux-elementor-breadcrumbs\"><p class=\"aux-breadcrumbs\"><span class=\"aux-breadcrumb-sep breadcrumb-icon auxicon-chevron-right-1\"><\/span><span><a href=\"http:\/\/lezamaasesores.com\/gabinete\" title=\"Home\">Home<\/a><\/span><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-e51eb13 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e51eb13\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"aux-parallax-section elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-5bce122\" data-id=\"5bce122\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8e235b5 elementor-widget elementor-widget-image\" data-id=\"8e235b5\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.6.2 - 04-04-2022 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"81\" src=\"http:\/\/lezamaasesores.com\/gabinete\/wp-content\/uploads\/2022\/04\/White.svg\" class=\"attachment-large size-large\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f7d9df elementor-widget elementor-widget-text-editor\" data-id=\"5f7d9df\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.6.2 - 04-04-2022 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#818a91;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#818a91;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>Hipoteca Multidivisa\u00a0 &gt;<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"aux-parallax-section elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-e50ac54\" data-id=\"e50ac54\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8126815 elementor-widget elementor-widget-aux_modern_button\" data-id=\"8126815\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"aux_modern_button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t    <div class=\"aux-modern-button-wrapper aux-modern-button-align-center\" >\n                    <a class=\"aux-modern-button aux-black aux-modern-button-xl aux-modern-button-normal aux-modern-button-default aux-icon-\">\n                <div class=\"aux-overlay\"><\/div>\n                                    <div class=\"aux-icon \">\n                                            <\/div>\n                                <div class=\"aux-text\">\n<span class=\"aux-text-before\">SOLICITAR INFORMACI\u00d3N<\/span>                <\/div>\n            <\/a>\n            \n    <\/div>\n\n    \t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-fabf2aa elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fabf2aa\" data-element_type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"aux-parallax-section elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-d7498b4\" data-id=\"d7498b4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d2bb2bd elementor-widget elementor-widget-text-editor\" data-id=\"d2bb2bd\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><span style=\"color: #d76b41;\">\u00bfTienes una hipoteca multidivisa?<\/span><\/h2><p>El <strong>Tribunal Supremo<\/strong>\u00a0(TS) est\u00e1 de tu parte. La reci\u00e9n publicada sentencia del 15 de noviembre de 2017, estima que las cl\u00e1usulas cuestionadas\u00a0de estas hipotecas no superan el control de transparencia exigible a los bancos, declara as\u00ed la <strong>nulidad parcial\u00a0<\/strong> del pr\u00e9stamo y la eliminaci\u00f3n de las referencias en divisas. Es decir,\u00a0estas hipotecas\u00a0<strong>pasan a ser como un pr\u00e9stamo concedido en euros y amortizado en euros.\u00a0<\/strong><\/p><p>La clave de la sentencia vuelve a ser la \u201c<em><strong>falta de transparencia\u00a0<\/strong>ya que las cl\u00e1usulas multidivisa han generado para los prestatarios un grave desequilibrio, en contra de las exigencias de la buena fe, puesto que, ignorando los graves riesgos que entra\u00f1aba la contrataci\u00f3n del pr\u00e9stamo,<strong> no pudieron comparar la oferta del pr\u00e9stamo hipotecario multidivisa con las de otros pr\u00e9stamos<\/strong> y\u00a0han visto agravada su situaci\u00f3n econ\u00f3mica y jur\u00eddica<\/em>\u201c.<\/p><p>El\u00a0<strong>Supremo <\/strong>considera que, \u201c<em>aunque el consumidor medio pudiera prever cierto incremento de las cuotas por la inflaci\u00f3n de la moneda, hay otros riesgos asociados a estas hipotecas de los que no\u00a0eran conscientes<\/em>\u201c.<\/p><div class=\"aa-shortcode-list-header-icon\"><div class=\"list-icon rocket-lazyload lazyloaded\" data-ll-status=\"loaded\">\u00a0<\/div><div class=\"list-body\"><h2><span style=\"color: #d76b41;\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-296\" src=\"http:\/\/lezamaasesores.com\/gabinete\/wp-content\/uploads\/2022\/04\/pregunta-300x300.png\" alt=\"\" width=\"47\" height=\"47\" srcset=\"http:\/\/lezamaasesores.com\/gabinete\/wp-content\/uploads\/2022\/04\/pregunta-300x300.png 300w, http:\/\/lezamaasesores.com\/gabinete\/wp-content\/uploads\/2022\/04\/pregunta-150x150.png 150w, http:\/\/lezamaasesores.com\/gabinete\/wp-content\/uploads\/2022\/04\/pregunta.png 512w\" sizes=\"auto, (max-width: 47px) 100vw, 47px\" \/> \u00a0 \u00bfQu\u00e9 son las Hipotecas Multidivisa?<\/span><\/h2><p>Son un producto financiero complejo, ya que\u00a0<strong>no emplea el Euro como divisa<\/strong>\u00a0y\u00a0<strong>depende de la fluctuaci\u00f3n de la moneda extranjera<\/strong>\u00a0elegida, mayoritariamente Yen o Franco suizo.\u00a0Adem\u00e1s,\u00a0<strong>generalmente no est\u00e1 referenciada al Euribor<\/strong>\u00a0(que es el \u00edndice m\u00e1s com\u00fan entre las entidades bancarias que operan en nuestro pa\u00eds), sino al Libor (tasa de inter\u00e9s intercambiable del mercado de Londres).<\/p><p>Entre 2006 y 2008, los bancos ofrecieron la hipoteca Multidivisa como un producto muy beneficioso ya que elud\u00edan el Euribor -en ese periodo en m\u00e1ximos hist\u00f3ricos- y se operaba con divisas que en aquel momento ten\u00edan un tipo de \u00a0inter\u00e9s muy bajo. Todo parec\u00edan ventajas, pero lo cierto es que los clientes contrajeron una serie de riesgos, sin ser informados correctamente<strong>: su hipoteca depend\u00eda de la fluctuaci\u00f3n de la moneda en cuesti\u00f3n<\/strong>. As\u00ed, en estos a\u00f1os, han visto como su cuota mensual sufr\u00eda variaciones y, lo que es peor, el capital pendiente de amortizar se ha ido incrementando.<\/p><\/div><\/div><div class=\"aa-shortcode-list-header-icon\"><div class=\"list-icon rocket-lazyload lazyloaded\" data-ll-status=\"loaded\">\u00a0<\/div><div class=\"list-body\"><h2><span style=\"color: #d76b41;\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-464\" src=\"http:\/\/lezamaasesores.com\/gabinete\/wp-content\/uploads\/2022\/04\/bank-300x300.png\" alt=\"\" width=\"47\" height=\"47\" srcset=\"http:\/\/lezamaasesores.com\/gabinete\/wp-content\/uploads\/2022\/04\/bank-300x300.png 300w, http:\/\/lezamaasesores.com\/gabinete\/wp-content\/uploads\/2022\/04\/bank-150x150.png 150w, http:\/\/lezamaasesores.com\/gabinete\/wp-content\/uploads\/2022\/04\/bank.png 512w\" sizes=\"auto, (max-width: 47px) 100vw, 47px\" \/> \u00a0 \u00bfTu banco te inform\u00f3 de los riesgos? En caso negativo tienes derecho a reclamar las cantidades pagadas de m\u00e1s.<\/span><\/h2><p>La hipoteca Multidivisa es un producto que el banco deb\u00eda haber ofrecido a un\u00a0<strong>perfil de consumidor cualificado<\/strong> y, de no serlo, haber informado de los riesgos con total transparencia. Por tanto, son\u00a0<strong>consumidores afectados todos aquellos que no contaban con la cualificaci\u00f3n adecuada y no fueron suficientemente informados de los riesgos que implicaba<\/strong>\u00a0su contrataci\u00f3n.<\/p><\/div><\/div><div class=\"aa-shortcode-list-header-icon\"><div class=\"list-icon rocket-lazyload lazyloaded\" data-ll-status=\"loaded\">\u00a0<\/div><div class=\"list-body\"><h2><span style=\"color: #d76b41;\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-297\" src=\"http:\/\/lezamaasesores.com\/gabinete\/wp-content\/uploads\/2022\/04\/lawyer-300x300.png\" alt=\"\" width=\"47\" height=\"47\" srcset=\"http:\/\/lezamaasesores.com\/gabinete\/wp-content\/uploads\/2022\/04\/lawyer-300x300.png 300w, http:\/\/lezamaasesores.com\/gabinete\/wp-content\/uploads\/2022\/04\/lawyer-150x150.png 150w, http:\/\/lezamaasesores.com\/gabinete\/wp-content\/uploads\/2022\/04\/lawyer.png 512w\" sizes=\"auto, (max-width: 47px) 100vw, 47px\" \/> \u00a0 \u00bfQu\u00e9 acciones judiciales puedo llevar a cabo?<\/span><\/h2><ul><li><strong>Contactar con la entidad bancaria<\/strong>, exponer la situaci\u00f3n y solicitar: que la hipoteca se convierta de nuevo en euros; que el pr\u00e9stamo se referencie al Euribor y por supuesto,\u00a0<strong>la devoluci\u00f3n de los importes abonados de m\u00e1s<\/strong>, durante el tiempo en que la hipoteca Multidivisa se calcul\u00f3 en otra moneda.<\/li><li>Si el banco ofreciera alg\u00fan tipo de acuerdo, es muy importante\u00a0<strong>no firmar ning\u00fan documento en un primer momento<\/strong>. Debe consultar a un abogado experto en la materia para valorar si la oferta del banco se ajusta a derecho y satisface \u00edntegramente nuestros intereses.<\/li><li>En caso de que el acuerdo que propone el banco no nos sea del todo beneficioso, o que no hayamos obtenido respuesta por parte de la entidad bancaria tras nuestra reclamaci\u00f3n, hay que ponerse en manos de un abogado,<strong>\u00a0presentar una demanda<\/strong>\u00a0y que sea el Juzgado el que por medio de una sentencia obligue a la entidad a actuar conforme a derecho.<\/li><\/ul><\/div><\/div><div class=\"aa-shortcode-list-header-icon\"><div class=\"list-icon rocket-lazyload lazyloaded\" data-ll-status=\"loaded\">\u00a0<\/div><div class=\"list-body\"><h2><span style=\"color: #d76b41;\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-413\" src=\"http:\/\/lezamaasesores.com\/gabinete\/wp-content\/uploads\/2022\/04\/group-300x300.png\" alt=\"\" width=\"47\" height=\"47\" srcset=\"http:\/\/lezamaasesores.com\/gabinete\/wp-content\/uploads\/2022\/04\/group-300x300.png 300w, http:\/\/lezamaasesores.com\/gabinete\/wp-content\/uploads\/2022\/04\/group-150x150.png 150w, http:\/\/lezamaasesores.com\/gabinete\/wp-content\/uploads\/2022\/04\/group.png 512w\" sizes=\"auto, (max-width: 47px) 100vw, 47px\" \/> \u00a0 \u00bfPor qu\u00e9 Juan Serrano Abogados?<\/span><\/h2><p><strong>Somos expertos en derecho bancario financiero y en derechos del consumidor.\u00a0<\/strong><\/p><p>Nuestros abogados recopilan la documentaci\u00f3n necesaria, valora el caso y cierra la contrataci\u00f3n. As\u00ed comienza el proceso de reclamaci\u00f3n que, de no tener \u00e9xito al intentar un acuerdo con la entidad bancaria, pasa por una demanda individual con el objetivo de defender los intereses de nuestro cliente: <strong>recuperar su dinero<\/strong>\u00a0<\/p><\/div><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"aux-parallax-section elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-4dc7a7d\" data-id=\"4dc7a7d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-2ea8fea elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2ea8fea\" data-element_type=\"section\" 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data-post-types=\"[&quot;post&quot;,&quot;page&quot;]\" \/>\n                    <input type=\"hidden\" name='post_type' value=\"post,page\">\n                                                                                            <div class=\"aux-submit-icon-container auxicon-search-4\">\n                                <input type=\"submit\" class=\"aux-iconic-search-submit\" value=\"Search\" >\n                            <\/div>\n                                                            <\/div>\n            <\/form>\n        <\/div>\n                                        <div class=\"aux-search-ajax-container\">\n                        <div class=\"aux-search-ajax-output\"><\/div>\n                        <div class=\"aux-loading-spinner aux-spinner-hide\">\n                            <div class=\"aux-loading-loop\">\n                            <svg class=\"aux-circle\" width=\"100%\" height=\"100%\" viewBox=\"0 0 42 42\">\n                                <circle class=\"aux-stroke-bg\" r=\"20\" cx=\"21\" cy=\"21\" fill=\"none\"><\/circle>\n                                <circle class=\"aux-progress\" r=\"20\" cx=\"21\" cy=\"21\" fill=\"none\" transform=\"rotate(-90 21 21)\"><\/circle>\n                            <\/svg>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                            <\/div>\n        <\/div>\n    <\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-1f69a89 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1f69a89\" data-element_type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"aux-parallax-section elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-3f489d5\" data-id=\"3f489d5\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d12babb elementor-widget elementor-widget-text-editor\" data-id=\"d12babb\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>183.831<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6a5576a elementor-widget elementor-widget-text-editor\" data-id=\"6a5576a\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>sentencias ganadas<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"aux-parallax-section elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-726757b\" data-id=\"726757b\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4deed32 elementor-widget elementor-widget-text-editor\" data-id=\"4deed32\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>290.615<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fdda022 elementor-widget elementor-widget-text-editor\" data-id=\"fdda022\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>personas representadas<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-1f0c7ad elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1f0c7ad\" data-element_type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"aux-parallax-section elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-ceb86c7\" data-id=\"ceb86c7\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-22e1a48 elementor-widget elementor-widget-text-editor\" data-id=\"22e1a48\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>99%<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9aba2c6 elementor-widget elementor-widget-text-editor\" data-id=\"9aba2c6\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>de \u00e9xito en 1\u00aa instancia<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"aux-parallax-section elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-bbd70b6\" data-id=\"bbd70b6\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-56fb1b0 elementor-widget elementor-widget-text-editor\" data-id=\"56fb1b0\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>99%<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6c133d4 elementor-widget elementor-widget-text-editor\" data-id=\"6c133d4\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>de \u00e9xito en apelaciones<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-957b475 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"957b475\" data-element_type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"aux-parallax-section elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-8795b85\" data-id=\"8795b85\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5bac287 elementor-widget elementor-widget-text-editor\" data-id=\"5bac287\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Dinero recuperado<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ff43440 elementor-widget elementor-widget-text-editor\" data-id=\"ff43440\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>122.922,9 \u20ac<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b336c9 elementor-widget elementor-widget-text-editor\" data-id=\"6b336c9\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"last-update\">\u00daltima actualizaci\u00f3n: 14\/04\/2022<\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-6f0b27e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6f0b27e\" data-element_type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"aux-parallax-section elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-b6a3c02\" data-id=\"b6a3c02\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-586c627 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"586c627\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"auxicon auxicon-location\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bee17a8 elementor-widget elementor-widget-text-editor\" data-id=\"bee17a8\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Despacho Juan Serrano<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-a5b6f7b ekit-sticky--top elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a5b6f7b\" data-element_type=\"section\" data-settings=\"{&quot;ekit_sticky&quot;:&quot;top&quot;,&quot;ekit_sticky_offset&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:17,&quot;sizes&quot;:[]},&quot;ekit_sticky_on&quot;:&quot;desktop_tablet_mobile&quot;,&quot;ekit_sticky_effect_offset&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:0,&quot;sizes&quot;:[]},&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"aux-parallax-section elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-2dd4a13\" data-id=\"2dd4a13\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-63e8f05 elementor-widget elementor-widget-text-editor\" data-id=\"63e8f05\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Contacta con nosotros<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c9c084 elementor-widget elementor-widget-aux_contact_form\" data-id=\"5c9c084\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"aux_contact_form.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<section class=\"widget-container aux-widget-contact-form aux-parent-au516b5ea2\" style=\"\" >            <div class=\"aux-col-wrapper aux-no-gutter\">\n            <!-- @TODO - The output for element here -->\n\n            <div role=\"form\" class=\"wpcf7\" id=\"wpcf7-f153-o1\" lang=\"es-ES\" dir=\"ltr\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/gabinete\/wp-json\/wp\/v2\/pages\/522#wpcf7-f153-o1\" method=\"post\" class=\"wpcf7-form init\" novalidate=\"novalidate\" data-status=\"init\">\n<div style=\"display: none;\">\n<input type=\"hidden\" name=\"_wpcf7\" value=\"153\" \/>\n<input type=\"hidden\" name=\"_wpcf7_version\" value=\"5.5.6\" \/>\n<input type=\"hidden\" name=\"_wpcf7_locale\" value=\"es_ES\" \/>\n<input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f153-o1\" \/>\n<input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/>\n<input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<\/div>\n<p><label><br \/>\n    <span class=\"wpcf7-form-control-wrap text-572\"><input type=\"text\" name=\"text-572\" value=\"\" size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Nombre\" \/><\/span> <\/label><\/p>\n<p><label><br \/>\n    <span class=\"wpcf7-form-control-wrap text-573\"><input type=\"text\" name=\"text-573\" value=\"\" size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Apellidos\" \/><\/span> <\/label><\/p>\n<p><label><br \/>\n    <span class=\"wpcf7-form-control-wrap email-32\"><input type=\"email\" name=\"email-32\" value=\"\" size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-email wpcf7-validates-as-required wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Correo\" \/><\/span> <\/label><\/p>\n<p><label><br \/>\n    <span class=\"wpcf7-form-control-wrap text-695\"><input type=\"text\" name=\"text-695\" value=\"\" size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Tel\u00e9fono\" \/><\/span> <\/label><\/p>\n<p><label><br \/>\n    <span class=\"wpcf7-form-control-wrap textarea-407\"><textarea name=\"textarea-407\" cols=\"40\" rows=\"10\" class=\"wpcf7-form-control wpcf7-textarea wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Mensaje\"><\/textarea><\/span> <\/label><\/p>\n<p><label><br \/>\n    <span class=\"wpcf7-form-control-wrap acceptance-939\"><span class=\"wpcf7-form-control wpcf7-acceptance\"><span class=\"wpcf7-list-item\"><label><input type=\"checkbox\" name=\"acceptance-939\" value=\"1\" aria-invalid=\"false\" \/><span class=\"wpcf7-list-item-label\">Acepto las condiciones de uso y la <a href=\"\/politica-privacidad\">Pol\u00edtica de Privacidad<\/a>.<\/span><\/label><\/span><\/span><\/span> <\/label><\/p>\n<p><label><br \/>\n    <span class=\"wpcf7-form-control-wrap acceptance-392\"><span class=\"wpcf7-form-control wpcf7-acceptance optional\"><span class=\"wpcf7-list-item\"><label><input type=\"checkbox\" name=\"acceptance-392\" value=\"1\" aria-invalid=\"false\" \/><span class=\"wpcf7-list-item-label\">Deseo recibir comunicaciones comerciales de Juan Serrano Abogados en funci\u00f3n de mi comportamiento y mis preferencias personales, en los t\u00e9rminos previstos en la <a href=\"\/politica-privacidad\">Pol\u00edtica de Privacidad<\/a>.<\/span><\/label><\/span><\/span><\/span> <\/label><\/p>\n<p><label>Este sitio est\u00e1 protegido con tecnolog\u00eda de Google reCAPTCHA V3 y como tal, se apoya en la Pol\u00edtica de Privacidad y T\u00e9rminos de Uso de Google. Es preciso aceptar las cookies para enviar el formulario.<\/label><\/p>\n<p><input type=\"submit\" value=\"Enviar\" class=\"wpcf7-form-control has-spinner wpcf7-submit\" \/><\/p>\n<div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div><\/form><\/div>\n\n            <\/div><!-- aux-col-wrapper -->\n    <\/section><!-- widget-container -->\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Home Hipoteca Multidivisa\u00a0 &gt; SOLICITAR INFORMACI\u00d3N \u00bfTienes una hipoteca multidivisa? El Tribunal Supremo\u00a0(TS) est\u00e1 de tu parte. La reci\u00e9n publicada sentencia del 15 de noviembre de 2017, estima que las cl\u00e1usulas cuestionadas\u00a0de estas hipotecas no superan el control de transparencia exigible a los bancos, declara as\u00ed la nulidad parcial\u00a0 del pr\u00e9stamo y la eliminaci\u00f3n de [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-522","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"http:\/\/lezamaasesores.com\/gabinete\/wp-json\/wp\/v2\/pages\/522","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/lezamaasesores.com\/gabinete\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"http:\/\/lezamaasesores.com\/gabinete\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"http:\/\/lezamaasesores.com\/gabinete\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/lezamaasesores.com\/gabinete\/wp-json\/wp\/v2\/comments?post=522"}],"version-history":[{"count":13,"href":"http:\/\/lezamaasesores.com\/gabinete\/wp-json\/wp\/v2\/pages\/522\/revisions"}],"predecessor-version":[{"id":536,"href":"http:\/\/lezamaasesores.com\/gabinete\/wp-json\/wp\/v2\/pages\/522\/revisions\/536"}],"wp:attachment":[{"href":"http:\/\/lezamaasesores.com\/gabinete\/wp-json\/wp\/v2\/media?parent=522"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}