{"id":10414,"date":"2018-08-12T14:23:46","date_gmt":"2018-08-12T14:23:46","guid":{"rendered":"https:\/\/martinezcaballeroabogados.com\/les-clausules-abusives-dels-prestecs-per-internet\/"},"modified":"2026-03-06T10:51:57","modified_gmt":"2026-03-06T10:51:57","slug":"les-clausules-abusives-dels-prestecs-per-internet","status":"publish","type":"post","link":"https:\/\/martinezcaballeroabogados.com\/ca\/les-clausules-abusives-dels-prestecs-per-internet\/","title":{"rendered":"Les cl\u00e0usules abusives dels pr\u00e9stecs per Internet"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"10414\" class=\"elementor elementor-10414 elementor-153\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d05ed34 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d05ed34\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6877af21 sc_inner_width_none sc_layouts_column_icons_position_left\" data-id=\"6877af21\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-72a7b6e8 sc_fly_static elementor-widget elementor-widget-text-editor\" data-id=\"72a7b6e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h4><strong>Cl\u00e0usules abusives dels pr\u00e9stecs per Internet<\/strong><\/h4><p data-start=\"923\" data-end=\"1336\">En els darrers anys s&#8217;ha popularitzat enormement la contractaci\u00f3 de pr\u00e9stecs r\u00e0pids per Internet. S\u00f3n productes que s&#8217;anuncien amb missatges com \u201cdiners immediats\u201d, \u201cfins a 300 euros en minuts\u201d o \u201csense paperassa ni avals\u201d. Aquest tipus de pr\u00e9stecs, coneguts comunament com <strong data-start=\"1199\" data-end=\"1243\">a microcr\u00e8dits o pr\u00e9stecs r\u00e0pids en l\u00ednia<\/strong> , s&#8217;han convertit en una alternativa per a moltes persones que necessiten liquiditat immediata.  <\/p><p data-start=\"1338\" data-end=\"1560\">No obstant aix\u00f2, la facilitat i rapidesa amb qu\u00e8 es concedeixen aquests pr\u00e9stecs sol anar acompanyada de condicions econ\u00f2miques molt elevades i, en molts casos, de cl\u00e0usules que es poden considerar abusives per als consumidors.<\/p><p data-start=\"1562\" data-end=\"1924\">En diverses ocasions, organismes de protecci\u00f3 al consumidor han advertit sobre les pr\u00e0ctiques de determinades empreses que operen al sector dels pr\u00e9stecs r\u00e0pids per Internet. Entre elles hi ha interessos extremadament elevats, penalitzacions desproporcionades per retards en el pagament o condicions contractuals poc clares per al consumidor. <\/p><p data-start=\"1926\" data-end=\"2325\">En alguns casos s&#8217;han detectat pr\u00e9stecs amb <strong data-start=\"1974\" data-end=\"2040\">tipus d&#8217;inter\u00e8s que arriben a xifres extraordin\u00e0riament altes<\/strong> , fins i tot amb TAE que poden superar diversos milers per cent. Les empreses que ofereixen aquests productes solen justificar aquestes condicions al\u00b7legant l&#8217;elevat risc de les operacions, ja que es concedeixen en q\u00fcesti\u00f3 d&#8217;hores, sense avals i amb pocs requisits per al sol\u00b7licitant. <\/p><p data-start=\"2327\" data-end=\"2602\">Aix\u00f2 no obstant, el fet que el pr\u00e9stec es concedeixi r\u00e0pidament o sense garanties no significa que qualsevol condici\u00f3 contractual sigui v\u00e0lida. La legislaci\u00f3 espanyola protegeix els consumidors davant de cl\u00e0usules abusives i davant de contractes que es puguin considerar usuraris. <\/p><p data-start=\"2604\" data-end=\"2884\">En aquest sentit, la normativa de protecci\u00f3 de consumidors estableix que seran abusives aquelles cl\u00e0usules que generin un <strong data-start=\"2727\" data-end=\"2831\">desequilibri important entre els drets i les obligacions de les parts en perjudici del consumidor<\/strong> . Aquestes situacions es regulen principalment al <\/p><p data-start=\"2886\" data-end=\"2924\"><span class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"><span class=\"whitespace-normal\">Text ref\u00f3s de la Llei general per a la defensa dels consumidors i usuaris<\/span><\/span> .<\/p><p data-start=\"2926\" data-end=\"3154\">A m\u00e9s, quan els interessos aplicats en un pr\u00e9stec s\u00f3n excessivament elevats, el contracte es pot arribar a considerar <strong data-start=\"3048\" data-end=\"3060\">usurari<\/strong> , cosa que permetria sol\u00b7licitar-ne la nul\u00b7litat. Aquest tipus de situacions s&#8217;analitzen conforme a la <\/p><h4 data-start=\"3156\" data-end=\"3194\"><span class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"><span class=\"whitespace-normal\">Llei de Repressi\u00f3 de la Usura<\/span><\/span> .<\/h4><p data-start=\"3196\" data-end=\"3435\">En els darrers anys, els tribunals espanyols han analitzat nombrosos casos relacionats amb pr\u00e9stecs r\u00e0pids i microcr\u00e8dits, valorant si els interessos aplicats eren desproporcionats respecte al mercat. En diverses resolucions, el <\/p><h4 data-start=\"3437\" data-end=\"3476\"><span class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"><span class=\"whitespace-normal\">Tribunal Suprem<\/span><\/span><\/h4><p data-start=\"3478\" data-end=\"3631\">ha confirmat que determinats interessos es poden considerar usuraris quan resulten notablement superiors als habituals en operacions similars.<\/p><p data-start=\"3633\" data-end=\"3815\">Quan un pr\u00e9stec \u00e9s declarat usurari, el contracte pot ser anul\u00b7lat i el consumidor \u00fanicament estaria obligat a tornar el capital rebut, sense haver de pagar els interessos.<\/p><p data-start=\"3817\" data-end=\"4063\">Per tot aix\u00f2, abans de contractar un pr\u00e9stec r\u00e0pid per Internet, \u00e9s important llegir detingudament les condicions del contracte, comprovar el tipus d&#8217;inter\u00e8s aplicat i valorar si les penalitzacions o comissions poden resultar desproporcionades.<\/p><p data-start=\"4065\" data-end=\"4308\">En cas de dubte o si es considera que un pr\u00e9stec cont\u00e9 cl\u00e0usules abusives o interessos excessius, \u00e9s recomanable analitzar el contracte amb un professional per valorar si hi ha la possibilitat de reclamar o sol\u00b7licitar la nul\u00b7litat del contracte.<\/p><p><strong>Diana Caballero Aguirre<\/strong><br> S\u00f2cia Fundadora de Mart\u00ednez Caballero Advocats<\/p>\t\t\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<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Molta ha estat la problem\u00e0tica respecte a les ja conegudes per tots nosaltres com a \u201cCl\u00e0usules s\u00f2l\u201d de les quals es van beneficiar milers de bancs a costa dels ciutadans que humilment i amb gran il\u00b7lusi\u00f3 acudien a un banc per poder aconseguir un pr\u00e9stec<\/p>\n","protected":false},"author":1,"featured_media":7424,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_joinchat":[],"footnotes":""},"categories":[523,462],"tags":[464,521],"class_list":["post-10414","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-casos-ca","category-noticies-i-actualitat","tag-articles-ca","tag-noticies"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Cl\u00e0usules abusives en els pr\u00e9stecs en l\u00ednia: quan s\u00f3n il\u00b7legals- Martinez Caballero Advocats<\/title>\n<meta name=\"description\" content=\"Descobreix quan els pr\u00e9stecs r\u00e0pids per Internet poden contenir cl\u00e0usules 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