We recently learned that the 12-month Euribor, which is the index used to calculate the mortgage payment, has been quoted at -0.002%. It is the first time in history that the Euribor is negative.
This will be very beneficial for citizens with a mortgage, who will see their installment revised downwards, and may even result in the interest being 0%, that is, the bank will not charge interest to the client, who will only pay in the share the capital.
If your quota does not go down, CALL US, It's possible that it has a FLOOR CLAUSE. We review your mortgage for free, we see if it has a floor clause and what amount you have overpaid, an amount that we can demand that the Bank return to you.
The floor clause is one of the financial instruments with which the Banks have been profiting unfairly and to the detriment of the consumer, the average citizen, by incorporating the so-called floor clauses included in an abusive manner into mortgage loans.
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.
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 free first 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.
