Análisis del cumplimiento de los deberes de transparencia en los contratos de crédito inmobiliario
Análisis del cumplimiento de los deberes de transparencia en los contratos de crédito inmobiliario
Authors
Martos Calabrus, María Angustias
Authors
Date
2022
Datos de publicación:
Revista Chilena de Derecho y Ciencia Política, Vol.13, Nº 1, 29-61, 2022
Keywords
Contratación bancaria - Cláusulas abusivas - Transparencia material - Información precontractual - Control de transparencia
Collections
Abstract
La consideración de la cláusula suelo o de vencimiento anticipado, por la doctrina jurisprudencial, en los contratos de créditos inmobiliarios con con-sumidores para bienes inmuebles de uso residencial, como abusivas por falta de transparencia, causa que, mediante la Ley 5/2019 reguladora de los Contratos de Crédito Inmobiliario, con la finalidad de recuperar la confianza de los prestatarios y dar seguridad jurídica, se incorpore el deber de cumplimiento de la transparencia material en la generación de estos contratos. Para ello se refuerzan los deberes de información precontractual y se le otorga el control del cumplimiento de la transparencia al notario. Este estudio analiza el cumplimiento de estos deberes y su constatación en el acta notarial de cumplimiento de la información precontractual, en cuanto pueda constituir presunción iuris tantum de cumplimiento de la transparencia.
Jurisprudence indicates that the floor clause or early maturity clau-se in real estate credit contracts with consumers for residential real estate may be considered as abusive due to lack of transparency; consequently, Law 5/2019 regulating Real Estate Credit Contracts imposes the obligation of complian-ce with material transparency in the generation of these contracts, with the object of recovering the trust of borrowers and providing legal certainty. To this end, duties of pre-contractual information are reinforced and the notary is empowered to control compliance with transparency. This study analyzes the fulfillment of these duties and their verification in the notarial act of complian-ce with pre-contractual information, insofar as it may constitute a rebuttable presumption of compliance with transparency.
Jurisprudence indicates that the floor clause or early maturity clau-se in real estate credit contracts with consumers for residential real estate may be considered as abusive due to lack of transparency; consequently, Law 5/2019 regulating Real Estate Credit Contracts imposes the obligation of complian-ce with material transparency in the generation of these contracts, with the object of recovering the trust of borrowers and providing legal certainty. To this end, duties of pre-contractual information are reinforced and the notary is empowered to control compliance with transparency. This study analyzes the fulfillment of these duties and their verification in the notarial act of complian-ce with pre-contractual information, insofar as it may constitute a rebuttable presumption of compliance with transparency.