Si bien todavía no se ha publicado el texto íntegro de la Sentencia del Tribunal Supremo sobre el IRPH, el órgano judicial ha adelantado el sentido del fallo: Las hipotecas con IRPH no son ni abusivas ni opacas.
Así lo ha declarado el pleno de la Sala de lo Civil del Tribunal Supremo al estimar el recurso de casación formulado por la entidad bancaria Kutxabank contra la Sentencia dictada por la Audiencia Provincial de Álava en grado de apelación.
La nulidad de la cláusula del préstamo hipotecario fue solicitada por los prestatarios-consumidores en virtud de demanda de la que conoció el Juzgado de lo Mercantil nº 1 de Vitoria-Gasteiz que les dio la razón al considerar nula la clausula que establecía como índice de referencia de aquel el IRPH.
El IRPH es un índice de referencia que depende casi exclusivamente del interés que los propios bancos aplican en los préstamos hipotecarios que conceden por lo que puede resultar fácilmente manipulable por la propia Banca.
Las entidades bancarias lo han venido ofreciendo asegurando que era un índice de referencia mucho más estable y seguro que otros como el Euribor; lo que no explicaban es que el IRPH siempre ha estado muy por encima del índice europeo, de tal modo que el interés devengado por este sistema era mucho más alto que el devengado en los préstamos hipotecarios con referencia al Euribor, y los consumidores que lo tenían incluido en sus préstamos apenas se han beneficiado de bajadas del tipo de interés.
Pues bien, la Sentencia dictada por el Juzgado de lo Mercantil nº 1 de Vitoria-Gasteiz fue recurrida por la entidad bancaria ante la Audiencia Provincial de Álava, alegando, entres otras cuestiones, que el establecimiento de este índice como referencia, al igual que el resto de cláusulas, fue negociado de manera individual con los clientes.
A pesar de los argumentos esgrimidos por el Banco, la Audiencia Provincial confirmó la Sentencia dictada en primera instancia, al considerar que no había podido demostrarse que hubiera existido una negociación individual con los consumidores en la que se les hubiera ofrecido diferentes opciones o sistemas a la hora de elegir la referencia del tipo de interés, por lo que esa cláusula que ligaba el interés del préstamo hipotecario al IRPH era nula por falta de transparencia.
Kutxabank decidió recurrir en casación ante el Tribunal Supremo que, en última instancia y según el comunicado emitido, ha fallado a favor del banco argumentando que la mera vinculación o referencia de un préstamo hipotecario a un tipo oficial como es el Índice de Referencia de Préstamos Hipotecarios (IRPH) “no implica falta de transparencia ni abusividad”, por lo que, en consecuencia, la clausula relativa al tipo de interés no es nula.
Cuando se haga pública la Sentencia íntegra dictada por el Tribunal Supremo, se ampliara el presente post.
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