Sergio Díaz López. Abogado Asociado.
Tras la confirmación por parte del Tribunal de Justicia de la Unión Europea (TJUE) sobre la doctrina que la Sala Primera del Tribunal Supremo había adoptado respecto de la abusividad de los intereses de demora en préstamos suscritos con consumidores, la Sala de lo civil del Supremo ha dictado una reciente Sentencia que respalda por primera vez el criterio seguido por el indicado tribunal europeo.
Dicha doctrina, debemos recordar, entiende abusivo un interés moratorio que supere dos puntos el remuneratorio en este tipo de contratos. Consecuentemente, cualquier tipo de interés moratorio que superara estos dos puntos se consideraría abusivo y se suprimiría el recargo aplicado por aplicación de dicho interés.
El recurso de casación recientemente resuelto se pronuncia sobre un préstamo hipotecario en el que el interés remuneratorio era del 4,75% y el de demora del 25%. La sentencia declara la abusividad del interés de demora en aplicación de la decisión adoptada por el TJUE, que declara conforme el criterio seguido por el Tribunal Supremo al Derecho de la Unión Europea. La sentencia recurrida en casación había aplicado un interés del triple legal del dinero, declarándose en esta Sentencia de casación que dicha solución no es acorde a la doctrina antes señalada. Igualmente señala la citada Sentencia que el interés que ha de aplicarse en estos casos ha de ser al menos el remuneratorio, pues no cabe tampoco la supresión total de interés en caso de demora en las obligaciones del préstamo suscrito.
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