If you suspect that your mortgage has a floor clause that does not allow you to benefit from the interest rate drops that have been occurring in recent times and that represents a relief for the consumer, do not let ignorance and lack of information stop you. lead to losing the extra money invested as a result of its inclusion, nor to continuing to lose economic amounts in the future, since remaining passive in this situation will have these consequences.
What is the floor clause?
It is a clause introduced by the financial institution in the mortgage loan by which a minimum fixed interest rate applicable to said loan is established. This means that despite the Euribor drops, the fee you pay will not decrease, as a result of a minimum fixed interest rate that they have introduced.
I think I have a floor clause, what can I do?
Contact our team of professionals, they will give you sufficient security and confidence in the processing of this procedure, where after a first free consultation in our office, we will do a study of your mortgage and floor clause, we will provide you with information on what your rights are, the procedure to follow from the extrajudicial claim to the banking entity in question, until the presentation of the individual claim in the corresponding procedure where we will assert your rights, in order to declare the nullity of the clause, its non-application and restitution of the amount that has been paid in excess as a consequence of the floor clause.
Do not wait any longer to consult with us, as there are many cases in which we have worked, obtaining a satisfactory result, with the nullity of the abusive clause and the return of the amounts charged for the application of the clause.
