{"id":2446,"date":"2026-03-13T12:37:44","date_gmt":"2026-03-13T11:37:44","guid":{"rendered":"https:\/\/v3.pellicerheredia.com\/?page_id=2446"},"modified":"2026-05-19T08:59:31","modified_gmt":"2026-05-19T06:59:31","slug":"irph-bank-claims","status":"publish","type":"page","link":"https:\/\/www.pellicerheredia.com\/en\/irph-bank-claims\/","title":{"rendered":"Experts lawyers in IRPH bank claims"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2446\" class=\"elementor elementor-2446\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-49a75d5 e-flex e-con-boxed e-con e-parent\" data-id=\"49a75d5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2905d60 e-flex e-con-boxed e-con e-parent\" data-id=\"2905d60\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e483702 elementor-widget elementor-widget-heading\" data-id=\"e483702\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Experts lawyers in IRPH bank claims<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b12d0f3 elementor-widget elementor-widget-heading\" data-id=\"b12d0f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">IRPH bank claims in Spain<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d7d4d5f elementor-widget elementor-widget-text-editor\" data-id=\"d7d4d5f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>In many cases, the IRPH clause was introduced into mortgage agreements <strong>without sufficient transparency<\/strong>, meaning that clients were not properly informed about how the index worked or the financial consequences it could have in the future.<\/p><p>At <strong>Pellicer &amp; Heredia<\/strong>, we provide legal assistance to clients affected by the IRPH clause, helping them challenge unfair mortgage terms and recover the money they may have overpaid.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cc4e36b elementor-widget elementor-widget-image\" data-id=\"cc4e36b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"795\" height=\"1080\" src=\"https:\/\/www.pellicerheredia.com\/wp-content\/uploads\/esp.png\" class=\"attachment-full size-full wp-image-722\" alt=\"\" srcset=\"https:\/\/www.pellicerheredia.com\/wp-content\/uploads\/esp.png 795w, https:\/\/www.pellicerheredia.com\/wp-content\/uploads\/esp-221x300.png 221w, https:\/\/www.pellicerheredia.com\/wp-content\/uploads\/esp-754x1024.png 754w, https:\/\/www.pellicerheredia.com\/wp-content\/uploads\/esp-768x1043.png 768w\" sizes=\"(max-width: 795px) 100vw, 795px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-85f3a98 e-flex e-con-boxed e-con e-parent\" data-id=\"85f3a98\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7fad6e4 elementor-widget elementor-widget-heading\" data-id=\"7fad6e4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Do you need legal assistance to claim the IRPH clause on your mortgage in Spain?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c4a603 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"3c4a603\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>At Pellicer &amp; Heredia, we provide expert legal advice for clients affected by the IRPH clause in their mortgage. Our team reviews your mortgage deed, analyses the interest applied by the bank, and evaluates whether the clause may be considered unfair<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-229bc0d elementor-button-align-start elementor-widget__width-initial elementor-widget elementor-widget-global elementor-global-4367 elementor-global-295 elementor-widget-form\" data-id=\"229bc0d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;step_next_label&quot;:&quot;Next&quot;,&quot;step_previous_label&quot;:&quot;Previous&quot;,&quot;button_width&quot;:&quot;100&quot;,&quot;step_type&quot;:&quot;number_text&quot;,&quot;step_icon_shape&quot;:&quot;circle&quot;}\" data-widget_type=\"form.default\">\n\t\t\t\t\t\t\t<form class=\"elementor-form\" method=\"post\" name=\"Global Form\" aria-label=\"Global Form\">\n\t\t\t<input type=\"hidden\" name=\"post_id\" value=\"2446\"\/>\n\t\t\t<input type=\"hidden\" name=\"form_id\" value=\"229bc0d\"\/>\n\t\t\t<input type=\"hidden\" name=\"referer_title\" value=\"\" \/>\n\n\t\t\t\n\t\t\t<div class=\"elementor-form-fields-wrapper elementor-labels-\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-name elementor-col-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-name\" class=\"elementor-field-label elementor-screen-only\">\n\t\t\t\t\t\t\t\tName\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[name]\" id=\"form-field-name\" class=\"elementor-field elementor-size-lg  elementor-field-textual\" placeholder=\"Name\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-email elementor-field-group elementor-column elementor-field-group-email elementor-col-60 elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-email\" class=\"elementor-field-label elementor-screen-only\">\n\t\t\t\t\t\t\t\tEmail\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"email\" name=\"form_fields[email]\" id=\"form-field-email\" class=\"elementor-field elementor-size-lg  elementor-field-textual\" placeholder=\"Email\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-tel elementor-field-group elementor-column elementor-field-group-phone elementor-col-40 elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-phone\" class=\"elementor-field-label elementor-screen-only\">\n\t\t\t\t\t\t\t\tPhone\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t<span class=\"ccfef-editor-intl-input\" data-id=\"form-field-phone\" data-field-id=\"403e859\" data-default-country=\"es\" data-include-countries=\"\" data-exclude-countries=\"\" data-dial-code-visibility=\"show\" data-strict-mode=\"no\" style=\"display: none;\"><\/span>\t\t<input size=\"1\" type=\"tel\" name=\"form_fields[phone]\" id=\"form-field-phone\" class=\"elementor-field elementor-size-lg  elementor-field-textual\" placeholder=\"Phone\" required=\"required\" pattern=\"[0-9()#&amp;+*-=.]+\" title=\"Only numbers and phone characters (#, -, *, etc) are accepted.\">\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-html elementor-field-group elementor-column elementor-field-group-field_1dfde64 elementor-col-100\">\n\t\t\t\t\tIn which country do you currently reside?\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-country elementor-col-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-country\" class=\"elementor-field-label elementor-screen-only\">\n\t\t\t\t\t\t\t\tCountry\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[country]\" id=\"form-field-country\" class=\"elementor-field elementor-size-lg  elementor-field-textual\" placeholder=\"Country\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-acceptance elementor-field-group elementor-column elementor-field-group-privacy elementor-col-100 elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-privacy\" class=\"elementor-field-label elementor-screen-only\">\n\t\t\t\t\t\t\t\tPrivacy\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-subgroup\">\n\t\t\t<span class=\"elementor-field-option\">\n\t\t\t\t<input type=\"checkbox\" name=\"form_fields[privacy]\" id=\"form-field-privacy\" class=\"elementor-field elementor-size-lg  elementor-acceptance-field\" required=\"required\">\n\t\t\t\t<label for=\"form-field-privacy\">I confirm that I have read and accept the <a href=\"https:\/\/www.pellicerheredia.com\/en\/privacy-policy\/\" style=\"color: #A70D53;\"><u>Privacy Policy.<\/u><\/a><\/label>\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-hidden elementor-field-group elementor-column elementor-field-group-fuente elementor-col-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"hidden\" name=\"form_fields[fuente]\" id=\"form-field-fuente\" class=\"elementor-field elementor-size-lg  elementor-field-textual\" value=\"WEB\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-hidden elementor-field-group elementor-column elementor-field-group-interes elementor-col-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"hidden\" name=\"form_fields[interes]\" id=\"form-field-interes\" class=\"elementor-field elementor-size-lg  elementor-field-textual\" value=\"Experts lawyers in IRPH bank claims\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-group elementor-column elementor-field-type-submit elementor-col-100 e-form__buttons\">\n\t\t\t\t\t<button class=\"elementor-button elementor-size-md\" type=\"submit\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Send<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/form>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4efdacf e-flex e-con-boxed e-con e-parent\" data-id=\"4efdacf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-507302b elementor-position-inline-start elementor-view-stacked elementor-shape-circle elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"507302b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path fill=\"currentColor\" d=\"M11 18h2v-2h-2zm1-16A10 10 0 0 0 2 12a10 10 0 0 0 10 10a10 10 0 0 0 10-10A10 10 0 0 0 12 2m0 18c-4.41 0-8-3.59-8-8s3.59-8 8-8s8 3.59 8 8s-3.59 8-8 8m0-14a4 4 0 0 0-4 4h2a2 2 0 0 1 2-2a2 2 0 0 1 2 2c0 2-3 1.75-3 5h2c0-2.25 3-2.5 3-5a4 4 0 0 0-4-4\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tWhat is the IRPH and why can it be unfair?\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tThe IRPH is a mortgage reference index calculated using the average interest rates applied by financial institutions. Because banks themselves influence the data used to calculate the index, it has often been criticized for lacking transparency.\nCompared with the Euribor, which has experienced significant decreases over the years, the IRPH has remained consistently higher. As a result, many mortgage holders have paid higher monthly installments for years, generating substantial financial benefit for the banks.\nThis situation has led to numerous legal disputes, with courts increasingly examining whether the IRPH clause was properly explained to consumers before signing the mortgage agreement.\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6914358 elementor-position-inline-start elementor-view-stacked elementor-shape-circle elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"6914358\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path fill=\"currentColor\" d=\"M9 19v-2h12v2zm0-6v-2h12v2zm0-6V5h12v2zM5 20q-.825 0-1.412-.587T3 18t.588-1.412T5 16t1.413.588T7 18t-.587 1.413T5 20m0-6q-.825 0-1.412-.587T3 12t.588-1.412T5 10t1.413.588T7 12t-.587 1.413T5 14M3.588 7.413Q3 6.825 3 6t.588-1.412T5 4t1.413.588T7 6t-.587 1.413T5 8t-1.412-.587\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tHow many types of IRPH exist?\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tThere are 3 types of IRPH which you can find in your deeds:\n\u2022\tIRPH Entities\n\u2022\tIRPH Banks\n\u2022\tIRPH Savings banks\nFrom the 1 November 2013, the IRPH banks and savings banks disappeared due to their misuse, meaning that currently only the IRPH entities remains in force. The three are equally detrimental, and often where the reference IRPH banks or savings banks was in place, they were directly replaced by entities, without prior information to the customer.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-df23dff e-flex e-con-boxed e-con e-parent\" data-id=\"df23dff\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-949c96e elementor-widget elementor-widget-heading\" data-id=\"949c96e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Can you claim and recover your money?<\/h3>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b1c2a7f e-grid e-con-full e-con e-child\" data-id=\"b1c2a7f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-a814a17 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"a814a17\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInDown&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-fb00653 e-con-full e-flex e-con e-child\" data-id=\"fb00653\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-93c7405 elementor-view-stacked elementor-shape-circle elementor-widget elementor-widget-icon\" data-id=\"93c7405\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path fill=\"currentColor\" d=\"M10 16q2.5 0 4.25-1.75T16 10t-1.75-4.25T10 4T5.75 5.75T4 10t1.75 4.25T10 16m-1.05-2.45l5.65-5.675l-1.425-1.425L8.95 10.7L6.825 8.6L5.4 10zM10 18q-3.35 0-5.675-2.325T2 10t2.325-5.675T10 2t5.675 2.325T18 10q0 1.4-.437 2.638T16.325 14.9L22 20.6L20.6 22l-5.7-5.675q-1.025.8-2.262 1.238T10 18m0-8\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-360aa5c elementor-widget elementor-widget-heading\" data-id=\"360aa5c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Reviewing the mortgage deed and financial documentation<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5ded1e4 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"5ded1e4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInDown&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-cd26949 e-con-full e-flex e-con e-child\" data-id=\"cd26949\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-492dea6 elementor-view-stacked elementor-shape-circle elementor-widget elementor-widget-icon\" data-id=\"492dea6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path fill=\"currentColor\" d=\"M8 18h1.5v-2h2v-1.5h-2v-2H8v2H6V16h2zm5-.75h5v-1.5h-5zm0-2.5h5v-1.5h-5zM6.25 9.2h5V7.7h-5zM3 21V3h18v18zm2-2h14V5H5zm0 0V5zm9.1-8.05l1.4-1.4l1.4 1.4l1.05-1.05l-1.4-1.45l1.4-1.4L16.9 6l-1.4 1.4L14.1 6l-1.05 1.05l1.4 1.4l-1.4 1.45z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-caf9e3d elementor-widget elementor-widget-heading\" data-id=\"caf9e3d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Calculating the amount of interest overpaid<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1950272 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"1950272\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInDown&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-0d9b203 e-con-full e-flex e-con e-child\" data-id=\"0d9b203\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-858d79f elementor-view-stacked elementor-shape-circle elementor-widget elementor-widget-icon\" data-id=\"858d79f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path fill=\"currentColor\" d=\"M11 19h2v-4.175l1.6 1.6L16 15l-4-4l-4 4l1.425 1.4L11 14.825zm-7 3V2h10l6 6v14zm9-13V4H6v16h12V9zM6 4v5zv16z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-563bd1c elementor-widget elementor-widget-heading\" data-id=\"563bd1c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Filing a claim against the bank <\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4a64996 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"4a64996\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInDown&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-b5fb86a e-con-full e-flex e-con e-child\" data-id=\"b5fb86a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bb8801d elementor-view-stacked elementor-shape-circle elementor-widget elementor-widget-icon\" data-id=\"bb8801d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path fill=\"currentColor\" d=\"M12.3 8.93L9.88 6.5h5.62V10H17V5H9.88l2.42-2.43l-1.06-1.07L7 5.75L11.24 10zM12 14a3 3 0 1 0 3 3a3 3 0 0 0-3-3m-9-3v12h18V11m-2 8a2 2 0 0 0-2 2H7a2 2 0 0 0-2-2v-4a2 2 0 0 0 2-2h10a2 2 0 0 0 2 2Z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-166f30a elementor-widget elementor-widget-heading\" data-id=\"166f30a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Claiming reimbursement of the excess interest paid<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e767907 e-flex e-con-boxed e-con e-parent\" data-id=\"e767907\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-69225d6 elementor-widget elementor-widget-heading\" data-id=\"69225d6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What can you obtain from an IRPH claim?<\/h3>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2fc4e0d e-grid e-con-full e-con e-child\" data-id=\"2fc4e0d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-6cb0dd7 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"6cb0dd7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInDown&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-a7e8c60 e-con-full e-flex e-con e-child\" data-id=\"a7e8c60\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fe24a90 elementor-view-stacked elementor-shape-circle elementor-widget elementor-widget-icon\" data-id=\"fe24a90\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path fill=\"currentColor\" d=\"M5 3H3v18h18v-2H5z\"><\/path><path fill=\"currentColor\" d=\"M13 12.586L8.707 8.293L7.293 9.707L13 15.414l3-3l4.293 4.293l1.414-1.414L16 9.586z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5417b74 elementor-widget elementor-widget-heading\" data-id=\"5417b74\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Reduction of your mortgage payments<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-98b7144 elementor-widget elementor-widget-text-editor\" data-id=\"98b7144\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Once the IRPH clause is annulled, the interest applied to your mortgage may be recalculated using Euribor or another appropriate reference index, resulting in <strong>lower monthly mortgage payments<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1a414df e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"1a414df\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInDown&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-d532c4a e-con-full e-flex e-con e-child\" data-id=\"d532c4a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ba68fa5 elementor-view-stacked elementor-shape-circle elementor-widget elementor-widget-icon\" data-id=\"ba68fa5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path fill=\"currentColor\" d=\"M12.3 8.93L9.88 6.5h5.62V10H17V5H9.88l2.42-2.43l-1.06-1.07L7 5.75L11.24 10zM12 14a3 3 0 1 0 3 3a3 3 0 0 0-3-3m-9-3v12h18V11m-2 8a2 2 0 0 0-2 2H7a2 2 0 0 0-2-2v-4a2 2 0 0 0 2-2h10a2 2 0 0 0 2 2Z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b1e9102 elementor-widget elementor-widget-heading\" data-id=\"b1e9102\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Refund of overpaid interest<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c2358e elementor-widget elementor-widget-text-editor\" data-id=\"2c2358e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>You may also receive a <strong>refund for the interest overpaid since the mortgage was signed<\/strong>, which in many cases represents a significant financial amount.<\/p><p>Even if your mortgage has already been fully paid, you may still have the right to file a claim for the overpaid interest.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5fb3e8e e-flex e-con-boxed e-con e-parent\" data-id=\"5fb3e8e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8d6bc76 elementor-position-inline-start elementor-view-stacked elementor-shape-circle elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"8d6bc76\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path fill=\"currentColor\" d=\"M11 18h2v-2h-2zm1-16A10 10 0 0 0 2 12a10 10 0 0 0 10 10a10 10 0 0 0 10-10A10 10 0 0 0 12 2m0 18c-4.41 0-8-3.59-8-8s3.59-8 8-8s8 3.59 8 8s-3.59 8-8 8m0-14a4 4 0 0 0-4 4h2a2 2 0 0 1 2-2a2 2 0 0 1 2 2c0 2-3 1.75-3 5h2c0-2.25 3-2.5 3-5a4 4 0 0 0-4-4\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tWhat will I get if I make a claim?\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tFirst of all, the monthly payment for your mortgage is reduced due to the cancellation of the IRPH, so the interest rate associated with your mortgage will be lower, as from then onwards, you will be associated with the Euribor, which is well below the Mortgage Loan Reference Index.\nAnd on the other hand, you will get a refund on the money which you have been overpaying all this time (from the date the mortgage deed was signed until the day of the interest rate change).\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1b6aa40 elementor-position-inline-start elementor-view-stacked elementor-shape-circle elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"1b6aa40\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path fill=\"currentColor\" d=\"M12 3c-1.27 0-2.4.8-2.82 2H3v2h1.95L2 14c-.47 2 1 3 3.5 3s4.06-1 3.5-3L6.05 7h3.12c.33.85.98 1.5 1.83 1.83V20H2v2h20v-2h-9V8.82c.85-.32 1.5-.97 1.82-1.82h3.13L15 14c-.47 2 1 3 3.5 3s4.06-1 3.5-3l-2.95-7H21V5h-6.17C14.4 3.8 13.27 3 12 3m0 2a1 1 0 0 1 1 1a1 1 0 0 1-1 1a1 1 0 0 1-1-1a1 1 0 0 1 1-1m-6.5 5.25L7 14H4zm13 0L20 14h-3z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tFavourable ruling over IRPH\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tThere are more and more rulings favourable to the client, against the unfair term of the IRPH, imposing the annulment of the clause and the subsequent refund of interests charged too much, during the entire time the clause was in force.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Experts lawyers in IRPH bank claims IRPH bank claims in Spain In many cases, the IRPH clause was introduced into mortgage agreements without sufficient transparency, meaning that clients were not properly informed about how the index worked or the financial consequences it could have in the future. At Pellicer &amp; Heredia, we provide legal assistance [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2777,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_angie_page":false,"footnotes":""},"class_list":["post-2446","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.pellicerheredia.com\/en\/wp-json\/wp\/v2\/pages\/2446","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.pellicerheredia.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.pellicerheredia.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.pellicerheredia.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.pellicerheredia.com\/en\/wp-json\/wp\/v2\/comments?post=2446"}],"version-history":[{"count":10,"href":"https:\/\/www.pellicerheredia.com\/en\/wp-json\/wp\/v2\/pages\/2446\/revisions"}],"predecessor-version":[{"id":2784,"href":"https:\/\/www.pellicerheredia.com\/en\/wp-json\/wp\/v2\/pages\/2446\/revisions\/2784"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.pellicerheredia.com\/en\/wp-json\/wp\/v2\/media\/2777"}],"wp:attachment":[{"href":"https:\/\/www.pellicerheredia.com\/en\/wp-json\/wp\/v2\/media?parent=2446"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}