{"id":6577237,"date":"2025-09-25T14:34:26","date_gmt":"2025-09-25T16:34:26","guid":{"rendered":"https:\/\/www.lacasa-dashaus.com\/irph-mortgage-nullity-ruling\/"},"modified":"2025-09-25T14:34:26","modified_gmt":"2025-09-25T16:34:26","slug":"irph-mortgage-nullity-ruling","status":"publish","type":"post","link":"https:\/\/www.lacasa-dashaus.com\/en\/irph-mortgage-nullity-ruling\/","title":{"rendered":"IRPH mortgage nullity ruling"},"content":{"rendered":"<h1 data-start=\"412\" data-end=\"471\">\ud83d\udccc IRPH Mortgage Nullity Ruling: Could It Benefit Me?<\/h1>\n<p data-start=\"473\" data-end=\"739\">In recent days, the <a href=\"https:\/\/curia.europa.eu\/juris\/document\/document.jsf?text=&amp;docid=293401&amp;pageIndex=0&amp;doclang=ES\">Court of Justice of the European Union (CJEU)<\/a> has once again ruled on mortgages with <strong data-start=\"594\" data-end=\"602\">IRPH<\/strong>.<br data-start=\"603\" data-end=\"606\" \/>This decision opens the door for many clients in Spain to claim back overpayments if their bank did not act with transparency, IRPH Mortgage Nullity Ruling.<\/p>\n<p data-start=\"473\" data-end=\"739\"><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter wp-image-6571546\" src=\"https:\/\/www.lacasa-dashaus.com\/wp-content\/uploads\/2025\/09\/lawsuit-justice-concept-lawyer-working-with-partner-law-683x1024.jpg\" alt=\"IRPH Mortgage Nullity Ruling\" width=\"436\" height=\"654\" srcset=\"https:\/\/www.lacasa-dashaus.com\/wp-content\/uploads\/2025\/09\/lawsuit-justice-concept-lawyer-working-with-partner-law-683x1024.jpg 683w, https:\/\/www.lacasa-dashaus.com\/wp-content\/uploads\/2025\/09\/lawsuit-justice-concept-lawyer-working-with-partner-law-200x300.jpg 200w, https:\/\/www.lacasa-dashaus.com\/wp-content\/uploads\/2025\/09\/lawsuit-justice-concept-lawyer-working-with-partner-law-768x1152.jpg 768w, https:\/\/www.lacasa-dashaus.com\/wp-content\/uploads\/2025\/09\/lawsuit-justice-concept-lawyer-working-with-partner-law-1024x1536.jpg 1024w, https:\/\/www.lacasa-dashaus.com\/wp-content\/uploads\/2025\/09\/lawsuit-justice-concept-lawyer-working-with-partner-law-1365x2048.jpg 1365w, https:\/\/www.lacasa-dashaus.com\/wp-content\/uploads\/2025\/09\/lawsuit-justice-concept-lawyer-working-with-partner-law-100x150.jpg 100w, https:\/\/www.lacasa-dashaus.com\/wp-content\/uploads\/2025\/09\/lawsuit-justice-concept-lawyer-working-with-partner-law-scaled.jpg 1707w\" sizes=\"(max-width: 436px) 100vw, 436px\" \/><\/p>\n<hr data-start=\"741\" data-end=\"744\" \/>\n<h2 data-start=\"746\" data-end=\"768\">\ud83d\udd0e What is IRPH?<\/h2>\n<p data-start=\"769\" data-end=\"1079\">The <strong data-start=\"772\" data-end=\"829\">IRPH (Mortgage Loan Reference Index)<\/strong> was used as an alternative to Euribor in thousands of mortgage contracts.<br data-start=\"907\" data-end=\"910\" \/>The problem is that, in many cases, <strong data-start=\"947\" data-end=\"990\">clients were not clearly informed<\/strong> about how it worked or its risks compared to Euribor, which usually turned out cheaper.<\/p>\n<hr data-start=\"1081\" data-end=\"1084\" \/>\n<h2 data-start=\"1086\" data-end=\"1118\">\u2696\ufe0f The New European Ruling<\/h2>\n<p data-start=\"1119\" data-end=\"1262\">The CJEU does not ban IRPH but reminds that <strong data-start=\"1165\" data-end=\"1220\">Spanish judges must review transparency<\/strong> in each mortgage.<br data-start=\"1238\" data-end=\"1241\" \/>This means that:<\/p>\n<ul data-start=\"1263\" data-end=\"1451\">\n<li data-start=\"1263\" data-end=\"1314\">\n<p data-start=\"1265\" data-end=\"1314\">The bank had to provide payment simulations.<\/p>\n<\/li>\n<li data-start=\"1315\" data-end=\"1384\">\n<p data-start=\"1317\" data-end=\"1384\">The deed had to clearly explain how IRPH is calculated.<\/p>\n<\/li>\n<li data-start=\"1385\" data-end=\"1451\">\n<p data-start=\"1387\" data-end=\"1451\">The client had to understand the differences compared to Euribor.<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"1453\" data-end=\"1533\">\ud83d\udc49 If these conditions were not met, the clause can be declared <strong data-start=\"1524\" data-end=\"1532\">null<\/strong>.<\/p>\n<hr data-start=\"1535\" data-end=\"1538\" \/>\n<h2 data-start=\"1540\" data-end=\"1584\">\ud83d\udcb0 What Happens If My IRPH Clause Is Null?<\/h2>\n<ul data-start=\"1585\" data-end=\"1778\">\n<li data-start=\"1585\" data-end=\"1625\">\n<p data-start=\"1587\" data-end=\"1625\">The clause is removed from the contract.<\/p>\n<\/li>\n<li data-start=\"1626\" data-end=\"1707\">\n<p data-start=\"1628\" data-end=\"1707\">The mortgage is recalculated with another index (normally Euribor + spread).<\/p>\n<\/li>\n<li data-start=\"1708\" data-end=\"1778\">\n<p data-start=\"1710\" data-end=\"1778\">The bank refunds the client all overpaid amounts, with interest.<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"1780\" data-end=\"1874\">This can mean a <strong data-start=\"1806\" data-end=\"1831\">significant refund<\/strong> for those who have been paying with IRPH for years.<\/p>\n<hr data-start=\"1876\" data-end=\"1879\" \/>\n<h2 data-start=\"1881\" data-end=\"1922\">\u2705 Could This Ruling Benefit Me?<\/h2>\n<p data-start=\"1923\" data-end=\"1947\">It may concern you if:<\/p>\n<ul data-start=\"1948\" data-end=\"2091\">\n<li data-start=\"1948\" data-end=\"1989\">\n<p data-start=\"1950\" data-end=\"1989\">You have a mortgage tied to IRPH.<\/p>\n<\/li>\n<li data-start=\"1990\" data-end=\"2044\">\n<p data-start=\"1992\" data-end=\"2044\">You did not receive clear explanations or simulations.<\/p>\n<\/li>\n<li data-start=\"2045\" data-end=\"2091\">\n<p data-start=\"2047\" data-end=\"2091\">You were unaware of the risks compared to Euribor.<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"2093\" data-end=\"2140\">In such cases, there is legal ground to claim.<\/p>\n<hr data-start=\"2142\" data-end=\"2145\" \/>\n<h2 data-start=\"2147\" data-end=\"2188\">\ud83d\udcdd Other Abuses That Can Be Claimed<\/h2>\n<p data-start=\"2189\" data-end=\"2260\">In addition to IRPH, Spanish courts have annulled clauses such as:<\/p>\n<ul data-start=\"2261\" data-end=\"2379\">\n<li data-start=\"2261\" data-end=\"2288\">\n<p data-start=\"2263\" data-end=\"2288\">Mortgage setup expenses.<\/p>\n<\/li>\n<li data-start=\"2289\" data-end=\"2323\">\n<p data-start=\"2291\" data-end=\"2323\">Excessive default interest.<\/p>\n<\/li>\n<li data-start=\"2324\" data-end=\"2345\">\n<p data-start=\"2326\" data-end=\"2345\">Rounding up.<\/p>\n<\/li>\n<li data-start=\"2346\" data-end=\"2379\">\n<p data-start=\"2348\" data-end=\"2379\">Unfair calculation formulas.<\/p>\n<\/li>\n<\/ul>\n<hr data-start=\"2381\" data-end=\"2384\" \/>\n<div id=\"attachment_568458\" style=\"width: 988px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" aria-describedby=\"caption-attachment-568458\" class=\"size-full wp-image-568458\" src=\"https:\/\/www.lacasa-dashaus.com\/wp-content\/uploads\/2021\/03\/casitascozy-1.webp\" alt=\"real estate Lloret de Mar\" width=\"978\" height=\"164\" srcset=\"https:\/\/www.lacasa-dashaus.com\/wp-content\/uploads\/2021\/03\/casitascozy-1.webp 978w, https:\/\/www.lacasa-dashaus.com\/wp-content\/uploads\/2021\/03\/casitascozy-1-300x50.webp 300w, https:\/\/www.lacasa-dashaus.com\/wp-content\/uploads\/2021\/03\/casitascozy-1-768x129.webp 768w, https:\/\/www.lacasa-dashaus.com\/wp-content\/uploads\/2021\/03\/casitascozy-1-150x25.webp 150w\" sizes=\"(max-width: 978px) 100vw, 978px\" \/><p id=\"caption-attachment-568458\" class=\"wp-caption-text\"><a href=\"https:\/\/www.lacasa-dashaus.com\/en\/\">Real Estate Lloret de Mar<\/a><\/p><\/div>\n<h2 data-start=\"2386\" data-end=\"2425\"><\/h2>\n<h2 data-start=\"2386\" data-end=\"2425\">\ud83e\udd1d At La Casa Das Haus We Advise You<\/h2>\n<p data-start=\"2426\" data-end=\"2653\">If you have a mortgage with IRPH and want to know if you can benefit from this new ruling, <strong data-start=\"2522\" data-end=\"2562\">get in touch with our team<\/strong>.<br data-start=\"2563\" data-end=\"2566\" \/>We will analyze your case and guide you through the steps to claim what is rightfully yours.<\/p>\n<p data-start=\"2655\" data-end=\"2735\">\ud83d\udc49 <strong data-start=\"2658\" data-end=\"2706\">Free consultation on your IRPH mortgage <a href=\"https:\/\/www.lacasa-dashaus.com\/en\/contact\/\">HERE<\/a> <\/strong><\/p>\n<p><span style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" data-mce-type=\"bookmark\" class=\"mce_SELRES_start\">\ufeff<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ud83d\udccc IRPH Mortgage Nullity Ruling: Could It Benefit Me? In recent days, the Court of Justice of the European Union (CJEU) has once again ruled on mortgages with IRPH.This decision opens the door for many clients in Spain to claim back overpayments if their bank did not act with transparency, IRPH Mortgage Nullity Ruling. \ud83d\udd0e&#8230;<\/p>\n","protected":false},"author":3,"featured_media":6571546,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1153],"tags":[],"class_list":["post-6577237","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticias-en"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.6 (Yoast SEO v26.6) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>IRPH mortgage nullity ruling - Real Estate Lloret de Mar - La Casa Das Haus<\/title>\n<meta name=\"description\" content=\"Find out whether your IRPH mortgage can be annulled under the new European ruling and how to reclaim what you\u2019ve overpaid.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lacasa-dashaus.com\/en\/irph-mortgage-nullity-ruling\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"IRPH mortgage nullity ruling La Casa Das Haus Inmobiliaria\" \/>\n<meta property=\"og:description\" content=\"Inmobiliaria de lloret de mar, costa brava. 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