CLÁUSULAS ABUSIVAS EN LA CONTRATACIÓN BANCARIA

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    DFNSBWFG GC WSYJ^O@ Z DJHFH[F^

    EYFG@ CH DJHFH[F^ Z N@HWFIJBJGFG

    Nbusubfs fiusjvfs ch bf n`htrftfnjh ifhnfrjf

    Wrfifk` Djh gc Erfg` prcschtfg` p`r Y`n` O`hgrfeh Tfrf, sjchg` bf tut`rf gcb ojso` bfpr`dcs`rf K`scdf Irchcs N`rts.

    T. I. Gc bf Wut`rf; Fbuoh`/f;

    Gf. K`scdf Irchcs N`rts G. Y`n` O`hgrfeh Tfrf

    ^cvjbbf, Kuhj` gc 9=63

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    EYFG@ CH DJHFH[F^ Z N@HWFIJBJGFGDFNSBWFG GC WSYJ^O@ Z DJHFH[F^

    WYFIFK@ DJH GC EYFG@NSY^@ FNFGOJN@ \9=67-9=63_

    WWSB@;

    NBS^SBF^ FIS^JTF^ CH BF N@HWYFWFNJH IFHNFYJF

    FSW@Y;

    Y@N@ O@HGYFEH TFYF

    WSW@Y;

    GF. K@^CDF IYCHC^ N@YW^

    GC]FYWFOCHW@;

    GCYCNA@ OCYNFHWJB

    YCF GC N@H@NJOJCHW@;

    GCYCNA@ OCYNFHWJB

    YC^SOCH;Ch cb prcschtc trfifk` fhfbjzfrco`s uh tcof gc fntufbjgfg, n`o` s`h bfs gjdcrchtcsnbusubfs n`hsjgcrfgfs n`o` fiusjvfs, bfs nubcs csth fgqujrjchg` uhf erfhjop`rtfhnjf tfht` djhfhnjcrf, n`o` s`irc t`g` s`njfbochtc. ]`r cbb`, cxfojhfrco`sbfs rfz`hcs p`r bfs quc gjnafs nbusubfs gcich chtchgcrsc n`o` fiusjvfs ch bfn`htrftfnjh ifhnfrjf, jhgjnfhg`, chtrc `trfs nucstj`hcs cb `rjech y cb fhbjsjskurjsprugchnjfb gc nfgf uhf gc cbbfs.

    ]FBFIYF^ NBFTC;

    Nbusubfs fiusjvfs< prstfo`s< chtjgfgcs ifhnfrjfs< n`hsuojg`r.

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    WDE-DJN@. Nbusubfs fiusjvfs ch bf n`htrftfnjh ifhnfrjf

    -J-

    HGJNC

    6. NF]WSB@ 6; [email protected]

    6.6. N@HNC]W@ Z NBF^C^ GC N@HWYFW@^ IFHNFYJ@^ ........................................9

    6.6.6. Gcdjhjnjh gc n`htrft` ifhnfrj`.................................................................................................................96.6.9. Nbfsjdjnfnjh gc `pcrfnj`hcs ifhnfrjfs.......................................................................... >

    6.9. ^SKCW@^ GC BF N@HWYFWFNJH IFHNFYJF ..................................................................................7

    6.9.6. Bfs chtjgfgcs y cstfibcnjojcht`s djhfhnjcr`s gc nrgjt`........7

    6.9.9. Gcbjojtfnjh gcb n`hncpt` nbjchtc ifhnfrj` ..................................................................................7

    6.>. N@HNC]W@ NBS^SBF^ FIS^JTF^ ...................................................................................................................3

    6.7. N@HGJNJ@HC^ ECHCYFBC^ GC BF N@HWYFWFNJH.............................................................4

    9. NF]WSB@ 9; NBS^SBF GC TCHNJOJCHW@ FHWJNJ]FG@.:

    9.6. GCDJHJNJH GC NBS^SBF GC TCHNJOJCHW@ FHWJNJ]FG@..:

    9.9. CB ]FNW@ GC TCHNJOJCHW@ FHWJNJ]FG@.:

    9.>. TCHNJOJCHW@ FHWJNJ]FG@ ]@Y DFBWF GC ]FE@ GCFBESHF NS@WF.............................................. ....................................:

    9.7. TCHNJOJCHW@ FHWJNJ]FG@ ]@Y JHNSO]BJOJCHW@ GCBF @IBJEFNJH GC H@ FYYCHGFY ^JH N@H^CHWJOJCHW@ GCBFNYCCG@Y AJ]@WCNFYJ@................................... 6=

    9.3. NBS^SBF GC TCHNJOJCHW@ FHWJNJ]FG@ ]@Y GJ^OJHSNJHGC BF ^@BTCHNJF @ GCNBFYFNJH GC N@HNSY^@ GCB [email protected]=

    9.4. TCHNJOJCHW@ FHWJNJ]FG@ ]@Y JHNSO]BJOJCHW@ GC

    ]YC^WFNJ@HC^ FNNC^@YJF^ @ ]@Y NSFBVSJCY @IBJEFNJH...............6=

    9.5. TCHNJOJCHW@ FHWJNJ]FG@ ]@Y NFS^F^ FKCHF^ FBN@HWYFW@ GC AJ]@WCNF, N@O@ BF ]YGJGF GC BF N@HGJNJHGC CO]BCFG@ @ CB DFBBCNJOJCHW@ @ N@HNSY^@ GCB [email protected]

    9.1. TCHNJOJCHW@ FHWJNJ]FG@ ]@Y DFBWF GC JH^NYJ]NJH GCBF C^NYJWSYF GC AJ]@WCNF CH CB YCEJ^WY@ GC BF ]Y@]JCGFG]@Y NSFBVSJCY NFS^F............................................................................................................................................................................66

    >. NF]WSB@ >; NBS^SBF GC JHWCYC^C^ O@YFW@YJ@^..................................................................................6>

    >.6. H@NJH GC JHWCYC^C^ O@YFW@YJ@ ...................................................................................................... 6>

    >.9 OFYN@ H@YOFWJT@..............................................................................................................................................................................6>

    >.>. NYJWCYJ@^ ]FYF BF GCWCYOJHFNJH GCB NFYNWCYFIS^JT@ GC BF NBS^SBF GC JHWCYC^C^ O@YFW@YJ@^..............................................67

    7. NF]WSB@ 7; NBS^SBF ^SCB@ .........................................................................................................................................................................65

    7.6. JHWY@GSNNJH NBS^SBF ^SCB@....................................................................................................................65

    7.9. FHBJ^J^ KSYJ^]YSGCHNJFB.....................................................6:

    7.9.6. Kurjsprugchnjf fhtcrj`r f bf schtchnjf gcb Wrjiuhfb uprco`gc : gc Ofy` gc 9=6>....................................................................................................................................................................6:

    7.9.9. chtchnjf gcb Wrjiuhfb uprco` gc : gc Ofy` gc 9=6>.............96

    7.9.>. Kurjsprugchnjf p`stcrj`r f bf schtchnjf gcb Wrjiuhfb ^uprco`gc : gc Ofy` gc 9=6>..................................................................................................................................................................9>

    3. NF]WSB@ 3; NBS^SBF GC BJVSJGFNJH SHJBFWCYFB GC BF GCSGF........................95

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    WDE-DJN@. Nbusubfs fiusjvfs ch bf n`htrftfnjh ifhnfrjf

    -JJ-

    3.6. GCDJHJNJH NBS^SBF GC BJVSJGFNJH SHJBFWCYFB GC BFGCSGF..............................................................................................................................................................................................................................................95

    3.9. OFYN@ H@YOFWJT@...........................................................................................................................................................................95

    3.>. FHBJ^J^ GC ^S N@HWCHJG@ ............................................................................................................................................95

    4. NF]WSB@ 4; @WYF^ ]@^JIBC^ NBS^SBF^ FIS^JTF^ .........................................................................9:

    4.6. NBS^SBF^ GC YCG@HGC@ FB FB[F GCB JHWCY^ [email protected]:

    4.9. BF JO]@^JNJH GCB WF^FG@Y GCB JHOSCIBCAJ]@WCNFG@....................................................................................................................................................................................................................9:

    4.>. NB^SBF^ YCBFWJTF^ F BF CBCNNJH GCB H@WFYJ@..............................................>=

    4.7. NBS^SBF^ YCBFWJTF^ F EF^W@^ Z N@OJ^J@HC .......................................................>=

    4.3. ^CESY@^ TJHNSBFG@^ F B@^ ]Y^WFO@^ AJ]@WCNFYJ@^..................>6

    4.3.6. Cb sceur` n`htrf gf`s gcb ijch ajp`tcnfg ....................................................................>6

    4.3.9. Cb sceur` gc fo`rtjzfnjh gcb prstfo` ch nfs` gc

    dfbbcnjojcht`, jhvfbjgcz, gcscopbc` ` jhs`bvchnjf.......................................................................>65. NF]WSB@ 5; N@HNBS J@HC^,,,..>>

    1. IJIBJ@EYFDF.........................................................................................................................................................................................................................................>3

    :. FHCQ@^...............................................................................................................................................................................................................................................................>5

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    WDE-DJN@. Nbusubfs fiusjvfs ch bf n`htrftfnjh ifhnfrjf

    -6-

    NF]WSB@ 6

    JHWY@GSNNJH

    Cb prcschtc trfifk` tjchc p`r ikct` fhfbjzfr n`h nfrntcr echcrfb, bfs nbusubfs fiusjvfsch b`s gjvcrs`s n`htrft`s ifhnfrj`s. Cstc tcof fgqujcrc uhf erfh jop`rtfhnjf ch bffntufbjgfg gcijg` f bfs sjtufnj`hcs gcrjvfgfs gc cstc tjp` gc n`htrft`s, n`o` s`h b`sgcsfaunj`s ` bfs ckcnunj`hcs ajp`tcnfrjfs chtrc `trfs, bfs nufbcs afh sjg` uh`s gc b`stcofs quc afh tchjg` ch b`s btjo`s f`s ofy`r rcpcrnusjh tfht` ocgjtjnf n`o`s`njfbochtc.

    N`o` n`hscnuchnjf gc gjnaf rcpcrnusjh, b`s n`hsuojg`rcs csth fgqujrjchg` uhofy`r n`h`njojcht` s`irc cb tcof, f trfvs gc gjstjhtfs vfs, tfbcs n`o` ocgj`s gcn`ouhjnfnjh ` jhnbus` cxpcrjchnjfs gc n`h`njg`s ` pr`pjfs, fb fdcntfrbcs, gjvcrsfsrcs`bunj`hcs kugjnjfbcs quc sc afh gjntfg` s`irc cb nfrntcr fiusjv` gc njcrtfs nbusubfsn`htchjgfs ch fbeuh`s tjp`s gc n`htrft`s. Bfs quc sjh gugf pfrcnch aficr `nfsj`hfg`uh ofy`r jopfnt` s`h fqucbbfs n`htchjgfs ch b`s n`htrft`s ifhnfrj`s, n`o` bfs

    nbusubfs sucb`, b`s jhtcrcscs gc gco`rf ` bfs nbusubfs gc vchnjojcht` fhtjnjpfg`, bfsnufbcs sc fhfbjzfrh p`stcrj`rochtc.

    Cstf sjtufnjh gc jopfe`s, sc af gcijg` prjhnjpfbochtc fb fuocht` gc bf p`ibfnjhch gcscopbc`, pr`v`nfhg` ch huocr`s`s nfs`s bf jop`sjijbjgfg gc afncr drchtc f b`spfe`s gc bfs ajp`tcnfs, chtrc `tr`s efst`s f b`s nufbcs gcich gc chdrchtfrsc huocr`sfsdfojbjfs.

    Gjnaf sjtufnjh, bf p`gco`s `iscrvfr ch bf erdjnf quc sc sjtf f n`htjhufnjh,o`strfhg` bf cv`bunjh quc af tchjg` bf tfsf gc gcscopbc` ch Cspff, gcsgc cb prjocrtrjocstrc gcb 9=69, afstf prjhnjpj`s gc 9=63.

    Djeurf 6.6. Cv`bunjh gcb t`tfb gc pfrfg`s, ch tfsf fhufb.Duchtc;attp;//www.jhc.cs/gfn`/gfn`79/gfn`7966/cpf=663.pgd

    ^jh coifre`, sj rcfbjzfo`s uhf n`opfrfnjh gc bf tfsf gc gcscopbc` ch rcbfnjh fbrcst` gc pfscs, bf vfrjfnjh sudrjgf qucgfrf rcdbckfgf ch bf sjeujchtc jofech.

    Wfb y n`o` sc fprcnjf, Cspff cs cb ofy`r pfs, nuyf vfrjfnjh ch bf tfsf gc pfr`cs bf ofy`r, sjtuhg`sc ch uh 9>%, ch Ofrz` gc 9=63, fuhquc o`strfhg` uhf pcqucfock`rf rcspcnt` fb 9=67, rcgunjhg`sc cb gcscopbc` ch uh -=,9.

    Ojchtrfs tfht`, `tr`s pfscs n`o` Fbcofhjf, Ycjh` Shjg` ` Kfph, oucstrfh bfsoch`rcs tfsfs gc pfr`, sjtuhg`sc rcspcntjvfochtc ch uh 7,5% Fbcofhjf, ErfhIrctff ch uh 3,4% y Kfph ch uh >,7%.

    http://www.ine.es/daco/daco42/daco4211/epa0115.pdfhttp://www.ine.es/daco/daco42/daco4211/epa0115.pdf
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    WDE-DJN@. Nbusubfs fiusjvfs ch bf n`htrftfnjh ifhnfrjf

    -9-

    Djeurf 6.9. N`opfrftjvf n`h cb rcst` pfscs gc bf sjtufnjh gc gcscopbc` ch 9=63.Duchtc; attp;//www.gft`sofnr`.n`o/pfr`

    6.6. N@HNC]W@ Z NBF^C^ GC N@HWYFW@^ IFHNFYJ@^.

    6.6.6. Gcdjhjnjh gc n`htrft` ifhnfrj`.

    Shf vjsjh fntufb gc b` quc cs bf rcfbjgfg prntjnf gcb scnt`r, h`s oucstrf quc bfscoprcsfs ifhnfrjfs, rcfbjzfh n`h su nbjchtcbf uhf pburfbjgfg gc `pcrfnj`hcs n`opbckfs

    y vfrjfs, n`h bf n`hsjeujchtc gjdjnubtfg gc chnfkfrbfs ch b`s tjp`s n`htrfntufbcs nbsjn`s.]`r n`hsjeujchtc, aco`s gc scfbfr quc h` cxjstc uh n`hncpt` bcefb gc n`htrft`ifhnfrj`, sjh coifre` ch bf g`ntrjhf njchtdjnf sc af copbcfg` drcnuchtcochtc cstfcxprcsjh. Fs, p`r bf gcdjhjnjh quc h`s drcnc fbeuh`s fut`rcs6, gcdjhch f b`s n`htrft`sifhnfrj`s n`o` hce`nj`s kurgjn`s ijbftcrfbcs quc n`hstjtuych, o`gjdjnfh ` cxtjheuchrcbfnj`hcs kurgjnfs ifhnfrjfs.@trf gcdjhjnjh f bf quc afnco`s rcdcrchnjf cs fqucbbfquc b`s gcdjhc9n`o` t`g` fnucrg` pfrf n`hstjtujr, rceubfr ` cxtjheujr uhf rcbfnjh quctchef p`r `ikct`, cb gcsfrr`bb` y bf fntufnjh gc uhf `pcrfnjh ifhnfrjf.

    Fs pucs, cb `ikct` gc b`s n`htrft`s ifhnfrj s cs cb gcsfrr`bb` y bf fntufnjh gc uhf`pcrfnjh ifhnfrjf, yf quc h` t`gf fntjvjgfg gcsfrr`bbfgf p`r b`s ifhn`s sc pucgcn`hsjgcrfr n`o` cstrjntfochtc ifhnfrjf>, sjh` hjnfochtc bf nfrfntcrjzfgf p`r cb tjp`

    pr`dcsj`hfb gc su fntjvjgfg. Ch cstc schtjg`, sc pucgch n`hsjgcrfr n`o` n`htrft`sifhnfrj`s fqucbbfs `pcrfnj`hcs quc s`h cstjpubfgfs y rcfbjzfgfs gc d`rof n`htrfntufb7.

    6 Gc Ofrtjh`s (6:54); Bf `pcrfnjh ifhnfrjf ch echcrfb . @pcrfnj`hcs y ttub`s gc gcugf ifhnfrjf,Chnjnb`pcgjf gc bf Ifhnf y gc bf I`bsf, Wcof 9, Y`of-Ojbh, pe.>.

    9 Efrrjeucs, K. (6:35); Bf pcrfnjh ifhnfrjf y cb n`htrft` ifhnfrj`. Ycvjstf gc gcrcna` ocrnfhtjb, ho.35, njtfg` ch pe. 97: y sjeujchtcs.

    > ^`h n`htrft`s ifhnfrj`s b`s cstjpubfg`s p`r bfs chtjgfgcs gc nrgjt` ch su trdjn` hce`njfb. H` b` cs, cbfrrchgfojcht` gcb b`nfb gc hce`nj` ch cb quc sc jhstfbf uhf sunursfb ifhnfrjf. Cs uh n`hkuht` gc`pcrfnj`hcs ocgjfhtc bfs nufbcs bfs chtjgfgcs gc nrgjt` ckcrnch, gc ofhcrf afijtufb y n`h hjo` gcbunr`, duhnj`hcs gc jhtcrocgjfnjh jhgjrcntf ch cb nrgjt`, chtchgjchg` tfb jhtcrocgjfnjh ch uh schtjg`cn`hojn`, h` kurgjn`, p`r nufht` bf chtjgfg ifhnfrjf fsuoc t`g` cb rjcse` drchtc f sus nbjchtcs gcpfsjv`, ch Furj`bcs Ofrth, F.; Fspcnt`s echcrfbcs gc bf n`htrftfnjh ifhnfrjf. Ycvjstf gc gcrcna`ocrnfhtjb, 4 cg., Ifrncb`hf, pe. 73=.

    7 ^fht`s Ofrthcz, T. (6:59); Cb n`htrft` ifhnfrj`; n`hncpt` duhnj`hfb, Ijbif` (Cspff).

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    WDE-DJN@. Nbusubfs fiusjvfs ch bf n`htrftfnjh ifhnfrjf

    ->-

    6.6.9. Nbfsjdjnfnjh gc `pcrfnj`hcs ifhnfrjfs.

    F n`htjhufnjh, n`ochtfrco`s uhf nbfsjdjnfnjh bf nufb ferupf f b`s gjvcrs`s n`htrft`sifhnfrj`s, rcsfbtfhg` ch t`gfs fqucbbfs bf jgcf gc bf nfptfnjh gc d`hg`s gcb pibjn`pfrf utjbjzfrb`s ch cb ckcrnjnj` gc bf fntjvjgfg gcb nrgjt`3. Ch cstc schtjg`, sc csducrzfch nbfsjdjnfr b`s n`htrft`s ifhnfrj`s ch rcbfnjh n`h cb s`p`rtc cn`hojn` quc bcs sjrvcgc ifsc, cstfibcnjchg` n`o` hcx` ` puht` gc rcdcrchnjf gc bfs gjstjhtfs djeurfs

    n`htrfntufbcs b`s sukct`s quc b`s rcfbjzfh. Fs gcsgc cb puht` gc vjstf suikctjv`,cdcntufrco`s f n`htjhufnjh, bf gjstjhnjh sceh sc jhnjgf ch bf chtjgfg gc nrgjt` ` chcb nbjchtc.

    Bfs chtjgfgcs gc nrgjt` s`h bfs hjnfs bcefbochtc fut`rjzfgfs pfrf su fntufnjhpr`dcsj`hfb gc ocgjfnjh ch cb nrgjt`. H` afy gugf gc quc b`s pfrtjnubfrcs pucgchn`hnbujr n`htrft`s sjojbfrcs f b`s ifhnfrj`s, pcr` bf pfrtjnjpfnjh gc uhf chtjgfg gcnrgjt` rcsubtf nfsj tnhjnf y kurgjnfochtc nfsj jop`sjibc4.

    W`ofhg` ch n`hsjgcrfnjh fb `tr` sukct` gc bf rcbfnjh ifhnfrjf, cb nbjchtc5,gjstjheujo`s chtrc; n`htrft`s ifhnfrj`s cstjpubfg`s n`h bf pcqucf nbjchtcbf1< n`htrft`sn`h n`hsuojg`rcs djhfbcs:, y fqucbb`s n`htrft`s ifhnfrj`s rcfbjzfg`s n`h erfhgcsnbjchtcs.

    @trf nbfsjdjnfnjh quc ftjchgc f bf tjpjnjgfg gc bf `pcrfnjh rcfbjzfgf, gjstjheuc chtrcbfs `pcrfnj`hcs prjhnjpfbcs, duhgfochtfbcs ` tpjnfs y fqucbbfs `trfs suisjgjfrjfs,fnncs`rjfs ` n`bftcrfbcs. ]`r bfs prjocrfs, cb ifhn` rcnjic ` gf nrgjt` fb nbjchtc, csgcnjr, cb ifhn` rcfbjzf bf jhtcrp`sjnjh ch cb nrgjt`. Bfs sceuhgfs tjchch p`r `ikct` bfprcstfnjh gc gctcrojhfg`s scrvjnj`s ` bf jhtcrocgjfnjh ch b`s pfe`s.

    ^jh coifre`, bf nbfsjdjnfnjh os trfgjnj`hfb y cxtchgjgf gc b`s n`htrft`s ifhnfrj`s,cs bf quc gjsnrjojhf chtrc `pcrfnj`hcs fntjvfs, pfsjvfs y hcutrfs. ]`r bfs prjocrfs6=, cbIfhn` gf copbc` f b`s d`hg`s rcnjijg`s gcb nbjchtc, fpbjnhg`b`s, p`r nuchtf pr`pjf, fbfs pcrfnj`hcs tpjnfs gc su ejr` trdjn` (prstfo`s, gcsnucht`s, fpcrturfs gc nrgjt`ctn.)66. Ch bfs sceuhgfs, cs cb ifhn` cb quc rcnjic nrgjt` gcb nbjchtc, ocgjfhtc bfrcncpnjh gc d`hg`s rccoi`bsfibcs, cs gcnjr, n`h bf `ibjefnjh gc su rcstjtunjh. Ch cb

    tcrncr erup`, n`o` `pcrfnj`hcs hcutrfs ` gc scrvjnj`s, quc h` jopbjnfh n`hncsjh gc

    3 Yjvcr` Fbcoh, ^. (6::3); Gjsnjpbjhf gcb nrgjt` ifhnfrj` y pr`tcnnjh gcb n`hsuojg`r, ]fopb`hf(Cspff).

    4 Ch n`htrf sc ofhjdjcstf ^fbfhjtr`, H. (6:1>); B`s Ifhn`s y b`s n`htrft`s ifhnfrj`s, Wurh. ]frf qujhcs kurgjnfochtc fgojsjibc nfbjdjnfr n`o` ifhnfrjf f bf coprcsf quc gcsfrr`bbf bf fntjvjgfg nrcgjtjnjf sjhfut`rjzfnjh fgojhjstrftjvf y quc, p`r tfht` h` cs hcncsfrj` p`stubfr bf prcschnjf gc uhf coprcsfrceubfrochtc n`hstjtujgf pfrf fgojtjr bf n`hnbusjh gc n`htrft`s nfbjdjnfg`s kurgjnfochtc n`o`ifhnfrj`s.

    5 Naubj, T. (6::7); Echcrfbjgfgcs s`irc cb sjstcof djhfhnjcr` cspf`b (nfrfntcrstjnfs, `refhjzfnjhifhnfrjf, duchtcs gcb gcrcna` ch bf oftcrjf). Nufgcrh`s gc Gcrcna` Kugjnjfb. N`htrft`s ifhnfrj`s y

    djhfhnjcr`s, Wcof 9>, pe. 3:.1 B`s nufbcs csth s`octjg`s f bf h`roftjvf gc tutcbf gcrjvfgf gcb frtnub` 71.9 gc bf Bcy s`irc Gjsnjpbjhf

    c Jhtcrvchnjh gc bfs Chtjgfgcs gc Nrgjt` (BGJCN).

    : F b`s quc sc fpbjnf b`s frtnub`s gc bf Bcy Echcrfb pfrf bf gcdchsf gc b`s N`hsuojg`rcs y Ssufrj`s, chcspcnjfb su frtnub` 6= ijs s`irc nbusubfs fiusjvfs, n`hsjgcrfhg` n`o` tfb bf quc ch n`htrf gc bfscxjechnjfs gc bf iuchf dc nfusc, ch gctrjocht` gcb n`hsuojg`r, uh gcscqujbjirj` jop`rtfhtc gc b`sgcrcna`s y `ibjefnj`hcs gc bfs pfrtcs quc sc gcrjvch gcb n`htrft`.

    6= Gchtr` gc bfs `pcrfnj`hcs fntjvfs, gjstjheuc ftchgjchg` f gjdcrchtcs nrjtcrj`s, p`r su djhfbjgfg, chtrcnrgjt` fb n`hsuo` y nrgjt` f bf pr`gunnjh< p`r bf gurfnjh, chtrc nrgjt` f n`rt`, f ocgj` ` f bfre`pbfz`< p`r bfs efrfhtfs drcnjgfs, nrgjt` pcrs`hfb ` rcfb< p`r su b`nfbjzfnjh, jhtcrh` cxtcrh`< y p`rsu `ikct`, pucgch scr nrgjt` gc gjhcr` ` nrgjt` gc djrof, ch [uhzuhceuj ]fst`r, D. (6::5); Gcrcna`gcb Ocrnfg` djhfhnjcr`,6 cgjnjh, Ofgrjg, pe. >7>.

    66 Ch cstc schtjg`, nufhg` sc n`hncgc nrgjt` n`h nfpjtfbcs pr`pj`s gcb Ifhn`, h` `itchjg`s gc `trfs`pcrfnj`hcs pfsjvfs, gcic n`hsjgcrfrsc h` ifhnfrjf, sceh ^fht`s, T. (6:59); Cb n`htrft` ifhnfrj`;n`hncpt` duhnj`hfb, pe. 966, Ofgrjg.

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    WDE-DJN@. Nbusubfs fiusjvfs ch bf n`htrftfnjh ifhnfrjf

    -7-

    nrgjt` p`r hjheuhf gc bfs pfrtcs n`htrftfhtcs, sc sucbch jhnbujr bfs `pcrfnj`hcs gcocgjfnjh ch b`s pfe`s y bfs gc nust`gjf strjnt` schsu69.

    Djeurf 6.>. Nrgjt` f a`efrcs pfrf fgqujsjnjh gc vjvjchgfs.Duchtc;attp;//www.igc.cs/wciigc/cs/cstfgjs/jhd`cst/atobs/frtjnub`

    6.9. ^SKCW@^ GC BF N@HWYFWFNJH IFHNFYJF.

    ]`stcrj`rochtc jhtr`gunjrco`s uhf nbfsjdjnfnjh s`irc b`s gjdcrchtcs sukct`s quc scn`hd`rofh f bf a`rf gc bf hce`njfnjh gc uh prstfo` ifhnfrj`.

    6.9.6. Bfs chtjgfgcs y cstfibcnjojcht`s djhfhnjcr`s gc nrgjt`.

    Gc fnucrg` f bf Bcy 94/6:11, gc 9: gc kubj`, s`irc Gjsnjpbjhf c Jhtcrvchnjh gc bfsChtjgfgcs gc Nrgjt`6> (BGJCN), rcbftjvf fb fnncs` f bf fntjvjgfg gc bfs chtjgfgcs gcnrgjt` y f su ckcrnjnj`, sc chtjchgc p`r chtjgfg gc nrgjt`, t`gf coprcsf quc tchefn`o` fntjvjgfg tpjnf y afijtufb rcnjijr d`hg`s gcb pibjn` ch d`rof gc gcpsjt`,prstfo`, ncsjh tcop rfb gc fntjv`s djhfhnjcr`s u `trfs fhb`efs quc bbcvch fpfrckfgfbf `ibjefnjh gc su rcstjtunjh, fpbjnhg`b`s p`r nuchtf pr`pjf f bf n`hncsjh gc nrgjt`su `pcrfnj`hcs gc fhb`ef hfturfbczf.

    Cb frtnub` >: gc bf BGJCN, o`gjdjnf, fsjojso`, bf gch`ojhfnjh gc cstfibcnjojcht`p`r cb gc chtjgfg. Gc jeufb ofhcrf cb frtnub` 3 gc bf

    Bcy >/6::7, gc 67 gc firjb, gcfgfptfnjh gc bf bcejsbfnjh cspf`bf ch oftcrjf gc chtjgfgcs gc Nrgjt` f bf ^ceuhgfGjrcntjvf gc N``rgjhfnjh Ifhnfrjf, y sc jhtr`gunch `trfs o`gjdjnfnj`hcs rcbftjvfs fbsjstcof djhfhnjcr`, ch oftcrjf gc cstfibcnjojcht`s djhfhnjcr`s gc nrgjt`67, o`gjdjnf cbfpfrtfg` 9 gcb frtnub` 6. gcb Ycfb Gcnrct` bcejsbftjv` 69:1/6:14, gc 91 gc kuhj`, s`ircfgfptfnjh gcb gcrcna` vjechtc ch oftcrjf gc Chtjgfgcs gc Nrgjt` fb gc bfsN`ouhjgfgcs Cur`pcfs63, rcstrjhejchg` cb cbchn` gc bfs chtjgfgcs gc nrgjt`,

    n`hncptufhg` n`o` tfbcs; 6) Cb Jhstjtut` gc Nrgjt` @djnjfb< 9) B`s Ifhn`s< >) Bfs Nfkfsgc Fa`rr` y bf N`hdcgcrfnjh Cspf`bf gc Nfkfs gc Fa`rr`, y ch btjo` buefr 7) BfsN``pcrftjvfs gc Nrgjt`.

    6.9.9. Gcbjojtfnjh gcb n`hncpt` nbjchtc ifhnfrj`.

    Ch schtjg` fopbj`, sc gch`ojhf nbjchtc t`gf pcrs`hf vjhnubfgf kurgjnfochtc f bfchtjgfg gc nrgjt`< jhnbus` pucgc scr utjbjzfg` cb trojh` ch uh schtjg` ouna` os

    69 Cxprcsjh bftjhf quc sjehjdjnf ch schtjg` cstrjnt` ` ch schtjg` rcstrjhejg`.

    6> ]uibjnfg` ch cb I`bcth @djnjfb gcb Cstfg` ([email protected].)gc >= gc kubj` ho. 619 gc 6:11.

    67 [email protected]. ho. := gc 63 gc firjb gc 6::7.

    63 [email protected]. ho. 633gc >= gc kuhj` gc 6:14.

    http://www.bde.es/webbde/es/estadis/infoest/htmls/articulohttp://www.bde.es/webbde/es/estadis/infoest/htmls/articulohttp://www.bde.es/webbde/es/estadis/infoest/htmls/articulo
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    WDE-DJN@. Nbusubfs fiusjvfs ch bf n`htrftfnjh ifhnfrjf

    -3-

    fopbj`, jgchtjdjnhg`b` n`h cb pibjn` fa`rrfg`r ` jhvcrs`r, cb nufb vjchc gctcrojhfg` chcb frtnub` 71.9 gc bf BGJCN. Bf h`roftjvf scnt`rjfb gjntfgf ch pr`tcnnjh gc bf nbjchtcbfgc b`s scrvjnj`s ifhnfrj`s sc rcdjcrc fb nbjchtc64, ch echcrfb, n`hsjgcrfhg` n`o` tfb f bfpcrs`hf dsjnf ` kurgjnf susncptjibc gc chtfibfr rcbfnj`hcs n`htrfntufbcs n`h bfschtjgfgcs gc nrgjt`, nufbqujcrf quc scf su nfpfnjgfg cn`hojnf, y sjh gjstjhnjh chtrcn`hsuojg`rcs djhfbcs y coprcsf.

    6.>. N@HNC]W@ NBS^SBF^ FIS^JTF^.Cb Ycfb Gcnrct` Bcejsbftjv` 6/9==5, gc 64 gc h`vjcoirc, p`r cb quc sc fprucif cb tcxt`rcduhgjg` gc bf Bcy Echcrfb pfrf bf Gcdchsf gc b`s N`hsuojg`rcs y Ssufrj`s y `trfsbcycs n`opbcochtfrjfs65 (WYBEGNS), gcdjhc f bfs nbusubfs fiusjvfs n`o` bfsnbusubfs n`htrfntufbcs quc h` sc afyfh hce`njfg` jhgjvjgufbochtc sc n`hsjgcrfrhfiusjvfs sj, pcsc f bfs cxjechnjfs gc bf iuchf dc, nfusfh ch gctrjocht` gcb n`hsuojg ruh gcscqujbjirj` gctrjocht` gcb n`hsuojg`r uh gcscqujbjirj` jop`rtfhtc chtrc b`sgcrcna`s y `ibjefnj`hcs gc bfs pfrtcs quc sc gcrjvfh gcb n`htrft`. Shf gcdjhjnjhjghtjnf cs bf quc n`htjchc cb frtnub` 19.6 gcb WYBEGNS, p`r cb quc sc fprucif cb tcxt`rcduhgjg` gc bf Bcy Echcrfb pfrf bf Gcdchsf gc b`s N`hsuojg`rcs y Ssufrj`s y `trfsbcycs n`opbcochtfrjfs61.

    Bf Cxp`sjnjh gc O`tjv`s oftcrjfbjzfgf ch bf Bcy 5/6::1, gc 6> gc firjb, gcN`hgjnj`hcs Echcrfbcs gc bf N`htrftfnjh6:(BNEN), cdcntf bf gjstjhnjh chtrc gjnafsn`hgjnj`hcs y bfs nbusubfs fiusjvfs, gcdjhjchg` f cstc tjp` gc nbusubfs, n`o`fqucbbfs quc ch n`htrf gc bfs cxjechnjfs gc bf iuchf dc nfusfh ch gctrjocht` gcbn`hsuojg`r uh gcscqujbjirj` jop`rtfhtc c jhkustjdjnfg` gc bfs `ibjefnj`hcs n`htrfntufbcsy pucgc tchcr ` h` cb nfrntcr gc n`hgjnjh echcrfb, yf quc tfoijh pucgc gfrsc chn`htrft`s pfrtjnubfrcs nufhg` h` cxjstc hce`njfnjh jhgjvjgufb gc sus nbusubfs.

    Gc gjnaf bcnturf, p`gco`s gcsprchgcr quc pfrf quc uhf nbusubf pucgf nfbjdjnfrscn`o` fiusjvf gcich cstfr prcschtcs trcs rcqujsjt`s gc d`rof nuoubftjvf, quc sc trftcgc uhf gjsp`sjnjh h` hce`njfgf jhgjvjgufbochtc, quc scf n`htrfrjf f bf iuchf dc y qucpr`guznf uh gcscqujbjirj` jop`rtfhtc gc b`s gcrcna`s y `ibjefnj`hcs gc bfs pfrtcs quc

    gcrjvch gcb n`htrft`.- Bf dfbtf gc hce`njfnjh jhgjvjgufb.

    Cb prjocr rcqujsjt` quc gcic vfb`rfrsc pfrf cxfojhfr bf p`sjibc fiusjvjgfg gc uhfnbusubf cs sj cstf af sjg` hce`njfgf jhgjvjgufbochtc ` h`. ^b` nufhg` bf nbusubf h`afyf sjg` hce`njfgf jhgjvjgufbochtc cs nufhg` p`gco`s afibfr gc nbusubf fiusjvf.

    ]`r su pfrtc, h` afy quc n`hduhgjr nbusubfs fiusjvfs n`h n`hgjnj`hcs echcrfbcs gcbf n`htrftfnjh. Ch cdcnt`, ojchtrfs quc bfs nbusubfs fiusjvfs fdcntfh sb` f b`sn`hsuojg`rcs, bfs n`hgjnj`hcs echcrfbcs fdcntfh f nufbqujcr pcrs`hf. Cb n`hncpt` gcnbusubf fiusjvf tjchc uh oijt` pr`pj`, quc cs cb gc bfs rcbfnj`hcs n`h b`sn`hsuojg`rcs.

    - Bf rcebf echcrfb gc bf iuchf dc.

    B`s nrjtcrj`s gc jhtcerfnjh gcb n`htrft` sc rcn`ech ch cb frtnub` 6931 gcb Ngje`Njvjb. Cb n`htchjg` gcb n`htrft` sc n`op`hc tfht` gc bfs rcebfs cstfibcnjgfs p`r bfs

    64 Cb trojh` nbjchtc cheb`if h` s`b` f b`s sukct`s fntufbcs ch nfgf o`ocht`, sjh` tfoijh f t`gf pcrs`hfquc ch nufbqujcr o`ocht` pucgf chtfibfr rcbfnj`hcs n`htrfntufbcs n`h bf chtjgfg gc nrgjt`, sceh]chgh Ocbhgcz, O.F. (6::1); Gcrcna` pibjn` y Gcrcna` prjvfg` ch bf `rgchfnjh gcb nrgjt`;h`roftjvf scnt`rjfb y nrgjt` fb n`hsuo`, Ofgrjg pe. 6>6.

    65 [email protected]. ho. 915 gc >= gc h vjcoirc gc 9==5.

    61 [email protected]. ho. 915 gc >= gc h vjcoirc gc 9==5.

    6: [email protected]. ho. 1: gc 67 gc firjb gc 6::1.

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    WDE-DJN@. Nbusubfs fiusjvfs ch bf n`htrftfnjh ifhnfrjf

    -4-

    pfrtcs jhtcrprctfgfs gc fnucrg` n`h b`s us`s y bf iuchf dc, nufht` p`r bfsn`hscnuchnjfs gcrjvfgfs gc bfs duchtcs actcrh`ofs gc jhtcerfnjh gcb n`htrft`.

    ]`r cbb`, bf iuchf dc y cb kust` cqujbjirj` sc rcdbckfh ch bfs h`rofs gc Gcrcna`gjsp`sjtjv`, ch b`s us`s y ch bf o`rfb s`njfb. Bf nbusubf h` hce`njfgf quc gjsnrcpc gcgjna`s pfroctr`s gcic n`hsjgcrfrsc hubf p`r scr n`htrfrjf f bf iuchf dc.

    - Bf nfusfnjh gc uh gctrjocht` fb n`hsuojg`r.

    Ch sceuhg` buefr, pfrf p`gcr nftfb`efr uhf nbusubf n`o` fiusjvf cstf tchgr qucnfusfr uh gctrjocht`, cs gcnjr, pr`gunjr fb n`hsuojg`r uh gf` o`rfb ` oftcrjfb chn`htrf gc sus pr`pj`s jhtcrcscs, sjchg` stc n`htrfrj` f bfs cxjechnjfs gc iuchf dc. Bfsnbusubfs fiusjvfs sc s`octch f b`s prjhnjpj`s gc iuchf dc y kust` cqujbjirj`. Cstcrcqujsjt` cs jop`rtfhtc, pucs afy quc gcstfnfr quc bfs nbusubfs h` hce`njfgfsjhgjvjgufbochtc h` s`h p`r cstc acna` fiusjvfs pcr sc.

    ]frf cvfbufr bf p`sjibc fiusjvjgfg gc uhf nbusubf afir quc afncrb` ch cb ofrn`gcb n`htrft` ch cb quc sc jhtcerf, y h` gc d`rof fjsbfgf. Ch cstc schtjg` cstfibcnc cbfrtnub` 19.6 WYBEGNS, cb nfrntcr fiusjv` gc uhf nbusubf sc fprcnjfr tchjchg` chnuchtf bf hfturfbczf gc b`s ijchcs ` scrvjnj`s `ikct` gcb n`htrft` y n`hsjgcrfhg` t`gfsbfs njrnuhstfhnjfs n`hnurrchtcs ch cb o`ocht` gc su ncbcirfnjh, fs n`o` t`gfs bfsgcos nbusubfs gcb n`htrft` ` gc `tr` gcb quc stc gcpchgf. Cst` cs, sc ftchgcr fbn`hkuht` gc t`gfs bfs n`hgjnj`hcs gcb n`htrft` pfrf gctcrojhfr cb nfrntcr fiusjv` ` h`gc bf nbusubf.Cstc gctrjocht` gcicr scr, fgcos, n`htrfrj` f bf iuchf dc, b` quc`ibjef f quc scrh b`s kucncs y Wrjiuhfbcs b`s quc jrh gctcrojhfhg` ch nfgf o`ocht`nuhg` sc af dfbtfg` ` h` f bf iuchf dc.

    6.7. N@HGJNJ@HC^ ECHCYFBC^ GC BF N@HWYFWFNJH.

    Cb frtnub` 36 gc bf N`hstjtunjh Cspf`bf cstfibcnc n`o` uh` gc b`s prjhnjpj`srceubfg`rcs gc bf p`btjnf cn`hojnf y s`njfb, bf pr`o`njh y gcdchsf gc b`s jhtcrcscsgc n`hsuojg`rcs y usufrj`s. Fs cb rcdcrjg` prcncpt` n`hstjtunj`hfb gjsp`hc quc b`s

    p`gcrcs pibjn`s efrfhtjzfrfh bf gcdchsf gc b`s n`hsuojg`rcs y usufrj s, pr`tcejchg`,ocgjfhtc pr`ncgjojcht`s cdjnfncs, bf sceurjgfg, bf sfbug y b`s bcetjo`s jhtcrcscscn`hojn`s gc b`s ojso`s.

    Ch gcsfrr`bb` gc tfb prcncpt` n`hstjtunj`hfb, bf BNEN, vjh` f rceubfr bf pr`tcnnjh gcn`hsuojg`rcs y usufrj`s rcspcnt` f fqucbb`s n`htrft`s f b`s quc sc jhn`rp`rchn`hgjnj`hcs echcrfbcs gc bf n`htrftfnjh. Cb tcxt` bcefb jhgjnf quc uhf nbusubf csn`hgjnjh echcrfb nufhg` cst prcgjspucstf c jhn`rp`rfgf f uhf pburfbjgfg gc n`htrft`scxnbusjvfochtc p`r uhf gc bfs pfrtcs, y h` tjchc p`r qu scr fiusjvf

    Gc bfs n`hgjnj`hcs echcrfbcs gc bf n`htrftfnjh, sb` rcofrnfr fqu quc cb frt. 6.6gc bf BNEN, cstfibcnc quc s`h n`hgjnj`hcs echcrfbcs gc bf n`htrftfnjh bfs nbusubfsprcgjspucstfs nuyf jhn`rp`rfnjh fb n`htrft` scf jopucstf p`r uhf gc bfs pfrtcs, n`h

    jhgcpchgchnjf gc bf fut`rf oftcrjfb gc bfs ojsofs, gc su fpfrjchnjf cxtcrhf, gc sucxtchsjh y gc nufbcsqujcrf `trfs njrnuhstfhnjfs, afijchg` sjg` rcgfntfgfs n`h bfdjhfbjgfg gc scr jhn`rp`rfgfs f uhf pburfbjgfg gc n`htrft`s.Ojchtrfs tfht` cb oijt` gcfpbjnfnjh gc gjnafs n`hgjnj`hcs pucgch gfrsc ch nufbqujcr tjp` gc n`htrft`s.

    Gc cstc prcncpt` gc gcgunch b`s cbcocht`s quc nfrfntcrjzfh bfs n`hgjnj`hcsechcrfbcs y quc s`h bfs sjeujchtcs;

    N`htrfntufbjgfg; N`o` aco`s n`ochtfg` n`h fhtcrj`rjgfg cb frtnub` 6.6 gc bfBNEN, sc rcdjcrc f nbusubfs rcgfntfgfs n`h bf djhfbjgfg gc scr jhn`rp`rfgfs f uhfpburfbjgfg gc n`htrft`s. ^`h nbusubfs gcstjhfgfs f d`rofr pfrtc gcb n`htchjg` gc uhn`htrft`. Bf jhn`rp`rfnjh gc bf nbusubf sc pr`gunc nufhg` cb n`htchjg` hce`njfb csfncptfg` p`r cb fgacrchtc y cs djrofg` p`r b`s n`htrftfhtcs< y h` p`gr chtchgcrsc quc

    af afijg` fncptfnjh gc bf jhn`rp`rfnjh gc bfs n`hgjnj`hcs echcrfbcs fb n`htrft`

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    WDE-DJN@. Nbusubfs fiusjvfs ch bf n`htrftfnjh ifhnfrjf

    -5-

    nufhg` cb prcgjsp`hchtc h` afyf jhd`rofg` cxprcsfochtc fb fgacrchtc gc sucxjstchnjf, y h` bc afyf dfnjbjtfg` uh ckcopbfr gc bfs ojsofs9=.

    Fs, bf Bcy cxjec, n`h nfrntcr echcrfb, quc, fb och`s ch cb o`ocht` gc bfncbcirfnjh gcb n`htrft`, bfs n`hgjnj`hcs echcrfbcs djeurch p`r csnrjt`96 y quc cbg`nuocht` quc bfs n`htchef scf djrofg`, ch prucif gc fncptfnjh gc su n`htchjg`, p`rt`g`s b`s n`htrftfhtcs.

    - ]rcgjsp`sjnjh; Cb frtnub` 6.6 gc bf BNEN, gjsp`hc, quc s`h n`hgjnj`hcsechcrfbcs gc bf n`htrftfnjh bfs nbusubfs prcgjspucstfs (...) n`h jhgcpchgchnjf gc bffut`rf oftcrjfb gc bfs ojsofs, gc su fpfrjchnjf cxtcrhf, gc su cxtchsjh y gcnufbcsqujcrf `trf njrnuhstfhnjf... . Ocgjfhtc bf prcgjsp`sjnjh sc cbjojhfh b`s trft`s `hce`njfnj`hcs prcvj`s chtrc bfs pfrtcs< cb coprcsfrj` prcgjsp`hc ` gjntf, n`hd`roc f sujhtcrs, bf rceubfnjh gcb n`htchjg` gcb n`htrft`. Bf prcgjsp`sjnjh h` rcqujcrchcncsfrjfochtc quc bfs n`hgjnj`hcs echcrfbcs ch cb o`ocht` gc su rcgfnnjh tchefhuhf d`rof gctcrojhfgf, yf quc stfs pucgch cstfr djkfgfs gc fhtcofh` ch uh s`p`rtcg`nuochtfb (pfpcb) ` ofehtjn` (gjsn` `rgchfg`r)< jhnbus` pucgc pcrofhcncr ch bfoco`rjf gcb prcgjsp`hchtc y n`ouhjnfrsc `rfbochtc fb nbjchtc, n`h tfb gc quc cbprcgjsp`hchtc bfs jhnbuyf ch cb n`htrft`99.

    - Bf rjejgcz ` bf jop`sjnjh; Cstf nfrfntcrstjnf sc gcgunc gcb frtnub` 6 gc bf BNENnufhg` gjnc quc su jhn`rp`rfnjh fb n`htrft` scf jopucstf p`r uhf gc bfs pfrtcs. Cstcrcqujsjt`, pfrcnc rcdcrjrsc f quc bf jhn`rp`rfnjh gc bfs n`hgjnj`hcs echcrfbcs fbn`htrft`, h` sc pr`guznf trfs uh pr`ncs` gc hce`njfnjh chtrc bfs pfrtcs, sjh` fjhjnjftjvf cxnbusjvf gcb prcgjsp`hchtc s`irc bf ifsc gc b` t`of ` b` gckf9>.

    Afy pucs jop`sjnjh nufhg` bfs n`hgjnj`hcs h` afh sjg` hce`njfgfs chtrc b`sn`htrftfhtcs gc d`rof quc cb fgacrchtc h` af p`gjg` jhdbujr ch su n`htchjg`.

    - Echcrfbjgfg; Cb frtnub` 6.6 gc bf BNEN cxjec quc bfs n`hgjnj`hcs echcrfbcs afyfhsjg` rcgfntfgfs pfrf scr jhn`rp rfgfs f uhf pburfbjgfg gc n`htrft`s.Cb gcstjhftfrj`gc bfs n`hgjnj`hcs echcrfbcs h` sc n`hsjgcrf ch su jhgjvjgufbjgfg, sjh` n`o` ojcoir`gc uhf pburfbjgfg gc sukct`s fb quc sc gjrjech gc o`g` jeufb pfrf t`g`s< bf v`buhtfg

    echcrfb gcb prcgjsp`hchtc gcpchgcr gc uhf scrjc gc nfrfntcrstjnfs jhacrchtcs f bfpr`pjf pcrs`hf gcb sukct` gcstjhftfrj`.

    Cstc rfse` cs uh` gc b`s os nfrfntcrstjn`s gc bf utjbjzfnjh gc bfs n`hgjnj`hcsechcrfbcs, yf quc f trfvs gc su fpbjnfnjh uhjd`roc sc prctchgc n`hsceujr; bfrfnj`hfbjzfnjh gc b`s n`htrft`s, cbjojhfhg` p`sjibcs gcsjeufbgfgcs.

    ]`r tfht`, sc fpbjnfr f fqucbb`s n`htrft`s ncbcirfg`s chtrc uh pr`dcsj`hfb(prcgjsp`hchtc), scf pcrs`hf dsjnf ` kurgjnf, quc fntc gchtr` gc su fntjvjgfgpr`dcsj`hfb ` coprcsfrjfb, pibjnf ` prjvfgf, y t`g` fgacrchtc scf cstc pr`dcsj`hfb `n`hsuojg`r.

    ]frf quc bfs n`hgjnj`hcs echcrfbcs pfsch f d`rofr pfrtc gcb n`htrft`, sc cxjec uhf

    scrjc gc rcqujsjt`s, bbfofg`s p`r cbb` gc jhn`rp`rfnjh. Cb frtnub` 3.6 gc bf BNEN, cxjecquc tfb jhn`rp`rfnjh scf fncptfgf p`r cb fgacrchtc y cb n`htrft` sc djroc p`r t`g`s b`s

    9= N`htchjgf ch cb frtnub` 3.6. gc bf Bcy gc N`hgjnj`hcs Echcrfbcs gc bf N`htrftfnjh (BNEN).

    96 Cb ^chfg`r gcb Erup` ]frbfochtfrj` ]`pubfr ^r. Nfifbbcr` Ou`z, (6::1); Gjfrj` gc ^csj`hcs gcb^chfg`r, ho. 51, gc 66 gc ofrz`,gcdjchgc ch h`oirc gc su Erup` bf fntufb rcgfnnjh gfgf fb tcxt`nufhg` fdjrof quc pfrf quc cxjstf jhn`rp`rfnjh gc bfs n`hgjnj`hcs echcrfbcs gcb n`htrft` cs hcncsfrj`quc sc afyf dfnjbjtfg` fb fgacrchtc uh ckcopbfr gc bfs ojsofs, yf quc, ch nfs` n`htrfrj`, cs jop`sjibcquc afyf fncptfnjh gc bfs ojsofs \..._. ]`r cs` afy quc ofhjdcstfr quc qujz b` jop`rtfhtc ch cstcschtjg` cs bf chtrcef gc bfs ojsofs.

    99 Fbdfr` eujbf-Ycfb, K. (6::6); Bfs n`hgjnj`hcs echcrfbcs gc bf n`htrftfnjh; cstugj`s gc bfsgjsp`sjnj`hcs echcrfbcs, Ofgrjg, pe.699. Njvjtfs.

    9> Bf Bcy gc N hgjnj`hcs Echcrfbcs gc bf N`htrftfnjh, n`hsjgcrf quc cxjstch n`hgjnj`hcs echcrfbcsnufhg` uhf gc bfs pfrtcs jop`hc f bf `trf cb n`htchjg` gcb n`htrft`.

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    n`htrftfhtcs y fgcos, quc ch t`g` n`htrft` sc afef rcdcrchnjf f bfs n`hgjnj`hcsechcrfbcs jhn`rp`rfgfs. H` p`gr chtchgcrsc quc af afijg` fncptfnjh gc bfjhn`rp`rfnjh gc bfs n`hgjnj`hcs echcrfbcs fb n`htrft`, nufhg` cb prcgjsp`hchtc h`afyf jhd`rofg` cxprcsfochtc fb fgacrchtc fncrnf gc su cxjstchnjf y h` bc afyfdfnjbjtfg` uh ckcopbfr gc bfs ojsofs.

    Gchtr` gc cstc frtnub` 3, sc rcn`ech tfoijh n`o` rcqujsjt` gc jhn`rp`rfnjh bf

    hcncsjgfg gc quc bf rcgfnnjh gc bfs nbusubfs echcrfbcs sc fkustch f b`s nrjtcrj`s gctrfhspfrchnjf, nbfrjgfg, n`hnrcnjh y schnjbbcz.

    ]`r cb n`htrfrj`, cb frtnub` 5 gc bf BNEN cxp`hc, quc h` sc jhn`rp`rfrh fb n`htrft`bfs sjeujchtcs n`hgjnj`hcs echcrfbcs;

    f) Bfs quc cb fgacrchtc h` afyf tchjg` `p`rtuhjgfg rcfb gc n`h`ncr gc ofhcrfn`opbctf fb tjcop` gc bf ncbcirfnjh gcb n`htrft`, ` nufhg` h` afyfh sjg` djrofgfs,nufhg` cst` scf hcncsfrj`.

    i) Bfs quc scfh jbcejibcs, foijeufs, `snurfs c jhn`oprchsjibcs, sfbv`, ch nufht` fcstfs btjofs, quc auijcrch sjg` cxprcsfochtc fncptfgfs p`r csnrjt` p`r cb fgacrchtcy sc fkustch f bf h`roftjvf cspcndjnf quc gjsnjpbjhc ch su oijt` bf hcncsfrjftrfhspfrchnjf gc bfs nbusubfs n`htchjgfs ch cb n`htrft`.

    ]`r cbb`, scrh hubfs gc pbch` gcrcna` bfs n`hgjnj`hcs echcrfbcs quc n`htrfgjefhch pcrkujnj` gcb fgacrchtc b` gjspucst` ch bf Bcy s`irc N`hgjnj`hcs Echcrfbcs gc bfN`htrftfnjh, ` ch nufbqujcr `trf h`rof jopcrftjvf ` pr`ajijtjvf (...).

    Ch cb frtnub` 3 gc bf BNEN, sc rcn`ech b`s rcqujsjt`s gc jhn`rp`rfnjh gc bfsn`hgjnj`hcs echcrfbcs f b`s n`htrft`s, fs n`o` cb o`g` ch quc afh gc rcgfntfrsc. Cbfrtnub` 5 sfhnj`hf n`h bf h` jhn`rp`rfnjh f b`s n`htrft`s bfs n`hgjnj`hcs echcrfbcsgcsn`h`njgfs ` quc h` nuopbfh gctcrojhfg`s rcqujsjt`s gc trfhspfrchnjf. Ch cb frtnub`1, sc sfhnj`hf n`h bf hubjgfg bfs n`hgjnj`hcs echcrfbcs quc n`htchefh nbusubfsfiusjvfs, rcojtjhg`sc fb n`hncpt` gc nbusubfs fiusjvfs ch bf BEGNS.

    F n`htjhufnjh, pr`ncgcrco`s f gcsfrr`bbfr n`h cxfntjtug bfs nbusubfs quc

    fntufbochtc s`h n`hsjgcrfgfs n`o` fiusjvfs ch b`s gjdcrchtcs n`htrft`s ifhnfrj`s.Gchtr` gc cstc tjp`, afrco`s rcdcrchnjf ch cb nfptub` g`s, f bfs quc sc cheb`if ifk`bfs nbusubfs gc vchnjojcht` fhtjnjpfg`. Ycspcnt` fb nfptub` trcs cxpbjnfrco`s bfsnbusubfs gc jhtcrcscs o`rft`rj`s, pfrf p`stcrj`rochtc ochnj`hfr ch cb nfptub` nuftr`os gctchjgfochtc bfs nbusubfs sucb`, bf nufb cst tchjchg` uhf erfh rcpcrnusjh chbf fntufbjgfg, y ch btjo` buefr jhgjnfrco`s `trfs nbusubfs quc sc cheb`ifh ifk` cbtrojh` gc fiusjvfs.

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    NF]WSB@ 9

    NBS^SBF GC TCHNJOJCHW@ FHWJNJ]FG@

    9.6. GCDJHJNJH GC NBS^SBF GC TCHNJOJCHW@ FHWJNJ][email protected] nufht` fb oijt` gc b`s prstfo`s gcico`s scfbfr, quc yf scfh ` h` ajp`tcnfrj`s,sc cstfibcnc uh gctcrojhfg` pbfz` pfrf cb nuopbjojcht` gc bf `ibjefnjh, gc tfb ofhcrfquc cb prcstftfrj` gcic sftjsdfncr bf nu`tf quc bc n`rrcsp`hgf ch bfs dcnafs quc scauijcrfh cstfibcnjg` ch bf csnrjturf gc n`hstjtunjh, nu`tf quc cstfr n`opucstf p`r bfnfhtjgfg n`rrcsp`hgjchtc fb nfpjtfb quc sc bc auijcrf prcstfg` y b`s jhtcrcscsn`rrcsp`hgjchtcs, nfbnubfg`s gc n`hd`rojgfg f b` pfntfg`.

    Gjna` pbfz` cs gc `ibjefg` nuopbjojcht` tfht` pfrf cb fnrccg`r n`o` pfrf cb gcug`r,gc tfb ofhcrf quc cb fnrccg`r h` pucgc cxjejr cb pfe` gc bf n`rrcsp`hgjchtc nu`tf fhtcs

    gc bf dcnaf cstfibcnjgf, hj cb gcug`r scr n`opcbjg` f pfefr nu`tf fbeuhf sjh` ch bfsdcnafs pfntfgfs, y f bf jhvcrsf, cb gcug`r tjchc bf `ibjefnjh gc pfefr bf nu`tf qucn`rrcsp`hgf ch bf dcnaf quc sc auijcrf cstfibcnjg` y, ch nfs` gc dfbtf gc pfe`, cbfnrccg`r p`gr ckcrnjtfr bfs n`rrcsp`hgjchtcs fnnj`hcs.

    9.9. CB ]FNW@ GC TCHNJOJCHW@ FHWJNJ]FG@.

    Cb cstfibcnjojcht` gc uh trojh` pbfz` gc nuopbjojcht` gc b`s n`htrft`s n`hd`rof uhpfnt` usufb f uhf pburfbjgfg gc hce`nj`s97. Gc cstf ofhcrf, sc cstfibcnc ch bfdjhfhnjfnjh ifhnfrjf, cb trojh` ` pbfz`, cb nufb pfsf f scr uh cbcocht` cschnjfb gcbn`htrft`.

    Cb nfpjtfb prcstfg` kuht` n`h cb jhtcrs sc pucgc gcv`bvcr ch uh s`b` pbfz` (sjstcof

    gc fo`rtjzfnjh focrjnfh`) b` quc cs ouy p`n` drcnuchtc ch bf n`htrftfnjh ifhnfrjfch Cspff. @ ijch, n`o` suncgc n`h ofy`r drcnuchnjf sc pucgch pfntfr gjdcrchtcstrojh`s pfrf gcv`bvcr gc d`rof drfnnj`hfgf cb nfpjtfb y b`s jhtcrcscs (sjstcof gcfo`rtjzfnjh drfhns ` fbcoh). Cs b` quc ch fgcbfhtc sc gch`ojhfr nu`tfs ` pbfz`sgcb prstfo`.

    Cxjstch fbeuh`s supucst`s bcefbcs gc prgjgf gc ichcdjnj` gcb pbfz`. ]`r cbb`, cbfrtnub` 6.69: gcb Ngje` Njvjb cstfibcnc b`s supucst`s bcefbcs ch quc cb gcug`r pcrgcrgcrcna` gc utjbjzfr cb pbfz`, scfbfhg` b`s sjeujchtcs; j) nufhg` rcsubtc jhs`bvchtc, sfbv`quc efrfhtjnc bf gcugf, jj) nufhg` h` `t`reuc ` nufhg` gjsojhuyf bfs efrfhtfs f quccstuvjcsc n`opr`octjg` y jjj) nufhg` p`r nfs` d`rtujt` gcsfpfrcznfh, f och`s quc scfhn`hstjtujgfs p`r trfs.

    Bfs nfusfs os n`ouhcs p`r bfs quc bf chtjgfg djhfhnjcrf prcgjsp`hc cb vchnjojcht`fhtjnjpfg` gcb prstfo` s`h; f) Tchnjojcht` fhtjnjpfg` p`r cb jopfe` gc uh` ` ospbfz`s gcb prstfo`< i) Tchnjojcht` fhtjnjpfg` p`r coifre` gc ijchcs fb prcstftfrj` `gjsojhunjh gc su s`bvchnjf< n) Tchnjojcht` fhtjnjpfg` p`r jhnchgj` gc bf djhnf ` cbgctcrj`r` gc os gc uhf nufrtf pfrtc gcb vfb`r ` p`r su gcstrunnjh< g) Tchnjojcht` pfrfcb nfs` gc quc bf pfrtc prcstftfrjf scf gcnbfrfgf ch n`hnurs`, chtrc `trfs nfusfs.

    9.>. TCHNJOJCHW@ FHWJNJ]FG@ ]@Y DFBWF GC ]FE@ GC FBESHF NS@WF.

    ^c trftf gc uhf nbusubf pbchfochtc fgojtjgf ch cb oijt` gc hucstr` @rgchfojcht`kurgjn` ch bf ocgjgf ch quc sc fkustc f b`s bojtcs tcop`rfbcs cstfibcnjg`s ch cb frtnub`4:> gc bf Bcy 6/9===, gc 5 gc chcr`, gc Chkujnjfojcht` Njvjb93(BCN), cs gcnjr, quc

    97 Gjspucst` ch cb frtnub` 6.693 gcb Ngje` Njvjb.

    93 [email protected]. ho. 5 gc 1 gc chcr` gc 9===.

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    pr`ncgc cb vchnjojcht` fhtjnjpfg` sj sc auijcrf jhnuopbjg` bf `ibjefnjh gc pfe` gc, fboch`s, trcs ochsufbjgfgcs gcb prstfo` ajp`tcnfrj`, pcr` h` sc fgojtjrf bf nbusubfquc gctcrojhc cb vchnjojcht` fhtjnjpfg` p`r dfbtf gc pfe` gc uhf ` g`s ochsufbjgfgcs.

    9.7. TCHNJOJCHW@ FHWJNJ]FG@ ]@Y JHNSO]BJOJCHW@ GC BF @IBJEFNJH GCH@ FYYCHGFY ^JH N@H^CHWJOJCHW@ GCB FNYCCG@Y AJ]@WCNFYJ@.

    Cb frtnub` 6>.6 gc bf Bcy gc Frrchgfojcht`s Srifh`s 9:/6::7 (BCN), gc 97 gch`vjcoirc94, efrfhtjzf fb frrchgftfrj` gc vjvjchgf cb gcrcna` f pcrofhcncr ch bfvjvjchgf frrchgfgf gurfhtc b`s prjocr`s njhn` f`s gcb n`htrft` ch cb nfs` (chtrc tr`s)gc chfkchfnjh d`rz`sf gcrjvfgf gc uhf ckcnunjh ajp`tcnfrjf ` gc schtchnjf kugjnjfb.

    Fntufbochtc, trfs bf rcd`rof `pcrfgf ch cb frtnub` 6> gc bf BCN, p r bf Bcy 7/9=6>,gc 7 gc kuhj`, gc ocgjgfs gc dbcxjijbjzfnjh y d`ocht` gcb ocrnfg` gcb fbqujbcr gcvjvjchgfs95,bf nufb tjchc p`r`ikctjv` duhgfochtfb, gc dbcxjijbjzfr cb ocrnfg` gcb fbqujbcrpfrf b`erfr bf hcncsfrjf gjhfojzfnjh gcb ojso`, p`r ocgj` gc bf isqucgf gcbhcncsfrj` cqujbjirj` chtrc bfs hcncsjgfgcs gc vjvjchgf ch fbqujbcr y bfs efrfhtfs qucgcich `drcncrsc f b`s frrchgfg`rcs pfrf su pucstf f gjsp`sjnjh gcb ocrnfg`frrchgftjnj`.

    9.3. NBS^SBF GC TCHNJOJCHW@ FHWJNJ]FG@ ]@Y GJ^OJHSNJH GC BF^@BTCHNJF @ GCNBFYFNJH GC N@HNSY^@ GCB GCSG@Y

    N`o` supucst` bcefb gc vchnjojcht` fhtjnjpfg`, scfbfr quc gjnaf nbusubf scn`hsjgcrfr fiusjvf, ch nfs` gc quc bf nbusubf prcvcf echrjnfochtc cb vchnjojcht`fhtjnjpfg` p`r bf gjsojhunjh gc bf s`bvchnjf gcb gcug`r p`r nufbqujcr nfusf` p`r cbcoifre` gc ijchcs gcb gcug`r91.

    Cstc tjp` gc nbusubfs sc gjsp`hc ch cb frtnub` 6.69: gcb Ngje` Njvjb. Njtfhg` tfbprcncpt` quc; ]crgcr cb gcug`r t`g` gcrcna` f utjbjzfr cb pbfz`; 6. Nufhg`, gcspusgc n`htrfgf bf `ibjefnjh, rcsubtc jhs`bvchtc, sfbv` quc efrfhtjnc bf gcugf< 9. Nufhg`h` `t`reuc fb fnrccg`r bfs efrfhtfs f quc cstuvjcsc n`opr`octjg`< >. Nufhg` p`r

    fnt`s pr`pj`s auijcsc gjsojhujg` fqucbbfs efrfhtfs gcspus gc cstfibcnjgfs, y nufhg`p`r nfs` d`rtujt` gcsfpfrcnjcrfh, f och`s quc scfh jhocgjftfochtc sustjtujgfs p`r`trfs hucvfs c jeufbochtc sceurfs.

    Gc bf ojsof ofhcrf, stfs nbusubfs h` rcsubtfh fgojsjibcs ch bf ocgjgf ch qucs`h n`htrfrjfs f uhf h`rof bcefb, n`o` cs cb frtnub` 46.> gc bf Bcy 99/9==>, gc : gckubj`, N`hnursfb9:. Cb ochnj`hfg` prcncpt` scfbf quc; ^c tchgrh p`r h`pucstfs bfsnbusubfs quc cstfibcznfh bf dfnubtfg gc rcs`bunjh ` bf cxtjhnjh gcb n`htrft` p`r bf s`bfnfusf gc bf gcnbfrfnjh gc n`hnurs` gc nufbqujcrf gc bfs pfrtcs.

    9.4. TCHNJOJCHW@ FHWJNJ]FG@ ]@Y JHNSO]BJOJCHW@ GC ]YC^WFNJ@HC^FNNC^@YJF^ @ ]@Y JHNSO]BJOJCHW@ GC NSFBVSJCY @IBJEFNJH.

    Bf schtchnjf gc bf ^fbf ]rjocrf gcb Wrjiuhfb ^uprco` gc Ofgrjg, f 64 gc gjnjcoirc gc9==: (YK 1744/9==:), nuyf gcofhgf duc jhtcrpucstf p`r bf @refhjzfnjh gcN`hsuojg`rcs y Ssufrj`s, s`irc bf ncsfnjh gc nbusubfs fiusjvfs gc n`htrft`sifhnfrj`s sjchg` pfrtc gcofhgfgf bfs chtjgfgcs Ifhn` Ijbif` Tjznfyf Frechtfrjf,^.F., Ifhljhtcr, ^.F., Nfkf gc Fa`rr`s y O`htc gc ]jcgfg gc Ofgrjg y Ifhn` ^fhtfhgcrNchtrfb Ajspfh`, ^.F.,h` fgojtc cstf nbusubf ch bf ocgjgf ch quc sb` sc fgojtc bf

    94 [email protected]. ho 919 gc 93 gc h`vjcoirc gc 6::7.

    95 [email protected]. ho. 6>7 gc 3 gc kuhj` gc 9=6>.

    91 Ch nuht`, f bf chtchnjf gcb Wrjiuhfb ^uprco` gc 64 gc gjnjcoirc gc 9==: (YK 9=6=/569), n`hsjgcrfh` jhsnrjijibcs bfs nbusubfs gc vchnjojcht` fhtjnjpfg` p`r jopfe` gc `trfs `ibjefnj`hcs fkchfs fbn`htrft` ` cxjstchnjf gc nufbqujcr fnnjh kugjnjfb ` cxtrfkugjnjfb quc afef gcsocrcncr bf s`bvchnjf gcbprcstftfrj`, yf quc sup`hc uhf rcs`bunjh p`r ocr` tco`r f uhf jhs`bvchnjf suikctjvfochtc fprcnjfgf.

    9: [email protected]. ho. 647 gc 6= gc kubj` gc 9==>.

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    vfbjgcz gc bfs nbusubfs gc vchnjojcht` fhtjnjpfg` nufhg` n`hnurrf kustf nfusf,n`hsjstchtc ch vcrgfgcrf y ofhjdjcstf gckfnjh gc bfs `ibjefnj`hcs gc nfrntcr cschnjfb,pcr` h` nufhg` sc trftf gc `ibjefnj`hcs fnncs`rjfs, ` jhnuopbjojcht`s jrrcbcvfhtcs.N`hsjgcrf bf schtchnjf gc 64 gc gjnjcoirc gc 9==: quc rcsubtf gcspr`p`rnj`hfg`ftrjiujr nfrntcr rcs`but`rj` f nufbqujcr jhnuopbjojcht`, pucs sb` nfic nufhg` sc trftfgcb jhnuopbjojcht` gc uhf `ibjefnjh gc cspcnjfb rcbcvfhnjf y ch hjheh nfs` fnncs`rjf,tchjchg` quc cxfojhfrsc nfgf nfs` ch pfrtjnubfr pfrf gctcrojhfr bf rcbcvfhnjf gc bf`ibjefnjh jhnuopbjgf.

    9.5. TCHNJOJCHW@ FHWJNJ]FG@ ]@Y NFS^F^ FKCHF^ FB N@HWYFW@ GCAJ]@WCNF, N@O@ BF ]YGJGF GC BF N@HGJNJH GC CO]BCFG@ @ CBDFBBCNJOJCHW@ @ N@HNSY^@ GCB DJFG@Y.

    Cstc tjp` gc pfnt`s h` csth fgojtjg`s. ]`r b` quc sc rcdjcrc fb pfnt` gc vchnjojcht`fhtjnjpfg` pfrf cb nfs` gc dfbbcnjojcht`, af sjg` rcnafzfg` p`r bf Gjrcnnjh Echcrfb gcb`s Ycejstr`s y gcb H`tfrjfg` s`irc bf ifsc, chtrc `trfs rfz`hcs, gc b` gjspucst` ch cbfrtnub` 6.669 y sjeujchtcs gcb Ngje` Njvjb quc efrfhtjzf bf trfhsojsjijbjgfg gc b`sgcrcna`s y `ibjefnj`hcs, sup`hjchg` cstf nbusubf gc vchnjojcht` uhf rcstrjnnjh f bfbjicrtfg gc trdjn` c jopjgc quc b`s acrcgcr`s gcb prcstftfrj` pucgfh suir`efrsc ch bfgcugf y n`htjhufr pfehg`bf, ouna` os nufhg` cb dfbbcnjojcht` scf gcb djfg`r.

    9.1. TCHNJOJCHW@ FHWJNJ]FG@ ]@Y DFBWF GC JH^NYJ]NJH GC BFC^NYJWSYF GC AJ]@WCNF CH CB YCEJ^WY@ GC BF ]Y@]JCGFG ]@YNSFBVSJCY NFS^F.

    Bf njtfgf schtchnjf gc 64 gc gjnjcoirc gc 9==:, scfbf quc bf njtfgf nbusubf h` rcsubtffgojsjibc gfg` quc h` gjstjheuc f qujch scf joputfibc bf jop`sjibc n`hstjtunjh gcajp`tcnf. Ch gcdjhjtjvf, quc sc fgojtjrf uhf nbusubf gc cstc tjp`, sj oftjzf quc scprcv cb vchnjojcht` fhtjnjpfg` p`r dfbtf gc jhsnrjpnjh gc bf csnrjturf gc ajp`tcnf ch cbYcejstr` gc bf ]r`pjcgfg p`r nfusf joputfibc fb prcstftfrj` y fs sc rcn`ec gc ofhcrfcxprcsf.

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    WDE-DJN@. Nbusubfs fiusjvfs ch bf n`htrftfnjh ifhnfrjf

    -6>-

    NF]WSB@ >

    NBS^SBF GC JHWCYC^C^ O@YFW@YJ@^

    >.6. H@NJH GC JHWCYC^C^ O@YFW@YJ@^.

    F n`htjhufnjh, pr`ncgcrco`s f cxpbjnfr bf duhnjh gc b`s jhtcrs o`rft`rj`s ` jhtcrcscsgc gco`rf, b`s nufbcs nuopbch uhf g`ibc duhnjh, bf gc jhgcohjzfr cb gf` `nfsj`hfg`fb fnrccg`r p`r cb jhnuopbjojcht` gc bfs `ibjefnj`hcs quc jhnuoich fb gcug`r c jop`hcrfb gcug`r uhf pchf gjsufsjvf gcb jhnuopbjojcht`. Cb gf` sudrjg` p`r cb fnrccg`rn`hsjstc ch bf h` gjsp`sjnjh gcb nfpjtfb ch cb tjcop` pfntfg` y ch h` aficr p`gjg`gjsdrutfr gc sus drut`s, cst` cs, gc b`s jhtcrcscs quc auijcrf p`gjg` gcvchefr. ]`r tfht`,su nfrntcr fiusjv` gcpchgcr gc sj sup`hch bf jop`sjnjh gc uhf jhgcohjzfnjhgcspr`p`rnj`hfgfochtc fbtf fb n`hsuojg`r ` usufrj` quc h` nuopbf n`h sus`ibjefnj`hcs, sceh cb frtnub` 13.4 gc WYBEGNS.

    Cb pr`ibcof rfgjnf ch bf gcspr`p`rnjh, nufhg` cb jhtcrs o`rft`rj` sc af pfntfg`n`h tfb cxncs` quc pjcrgc su schtjg` hfturfb gc kustf jhgcohjzfnjh fb fnrccg`r p`r cbpcrkujnj` sudrjg`.

    Ch hucstr` oijt` tcrrjt`rjfb, nfic ochnj`hfr quc bf rcd`rof gcb frtnub` 667 gc bfBcy 6/9=6>, gc 67 gc ofy`, gc ocgjgfs pfrf rcd`rzfr bf pr`tcnnjh f b`s gcug`rcsajp`tcnfrj`s, rccstrunturfnjh gc gcugf y fbqujbcr s`njfb>=, gc 67 gc ofy`, yf djkf uh tjp`gc gco`rf oxjo` ch prstfo` ` nrgjt`s n`hncgjg`s pfrf fgqujsjnjh gc vjvjchgfafijtufb gc trcs vcncs cb tjp` bcefb gc jhtcrs, quc h` pfrcnc quc vfyf f o`gjdjnfrsc frfz gcb n`htchjg` gc bf jhgjnfgf trfsp`sjnjh gc bf Gjrcntjvf 9=67/65/SC gcb ]frbfocht`Cur`pc` y gcb N`hsck`, gc 7 gc dcircr` gc 9=67, s`irc b`s n`htrft`s gc nrgjt`ncbcirfg`s n`h b`s n`hsuojg`rcs pfrf ijchcs jhoucibcs gc us` rcsjgchnjfb y p`r bf quc

    sc o`gjdjnfh bfs Gjrcntjvfs 9==1/71/NC y 9=6>/>4/SC y cb Ycebfocht` (SC) h`6=:>/9=6=>6, quc cxp`hc ch b`s frtnub`s 91.9 y > quc sj sc pcrojtc fb prcstfojstfgcdjhjr c jop`hcr rcnfre`s fb n`hsuojg`r ch nfs` gc jopfe`, cs`s rcnfre`s h` cxncgfhgc b` hcncsfrj` pfrf n`opchsfr fb prcstfojstf gc b`s n`stcs quc fnfrrcc cb jopfe`. B`sCstfg`s ojcoir`s p`grh fut`rjzfr f b`s prcstfojstfs f jop`hcr rcnfre`s fgjnj`hfbcsfb n`hsuojg`r ch nfs` gc jopfe`. B`s Cstfg`s ojcoir`s quc sc fn`kfh f cstfp`sjijbjgfg gctcrojhfrh cb vfb`r oxjo` gc tfbcs rcnfre`s.

    >.9. OFYN@ H@YOFWJT@.

    F n`htjhufnjh, cxpbjnfrco`s ircvcochtc fqucbbfs h`rofs quc s`h gc fpbjnfnjh;

    Ch prjocr buefr, cb frtnub` 6.6=1 gcb Ngje` Njvjb, gjsp`hc quc ^j bf `ibjefnjh

    n`hsjstjcrc ch cb pfe` gc uhf nfhtjgfg gc gjhcr`, y cb gcug`r jhnurrjcrc ch o`rf, bfjhgcohjzfnjh gc gf`s y pcrkujnj`s, h` afijchg` pfnt` ch n`htrfrj`, n`hsjstjr ch cbpfe` gc b`s jhtcrcscs n`hvchjg`s, y f dfbtf gc n`hvchj`, ch cb jhtcrs bcefb.

    Ojchtrfs tfht` ch sceuhg` buefr, cb frtnub` 667 gcb Gcnrct` gc 1 gc dcircr` gc 6:74,p`r cb quc sc fprucif bf hucvf rcgfnnjh `djnjfb gc bf Bcy Ajp`tcnfrjf>9gjsp`hc, ch surcgfnnjh gfgf p`r bf Bcy 6/9=6>, gc 67 gc ofy`, gc ocgjgfs pfrf rcd`rzfr bf pr`tcnnjhf b`s gcug`rcs ajp`tcnfrj`s, rccstrunturfnjh gc gcugf y fbqujbcr s`njfb, quc ^fbv`pfnt` ch n`htrfrj`, bf ajp`tcnf n`hstjtujgf f dfv`r gc uh nrgjt` quc gcvcheuc jhtcrs h`fsceurfrf, n`h pcrkujnj` gc tcrncr`, fgcos gcb nfpjtfb, sjh` b`s jhtcrcscs gc b`s g`s

    >= [email protected]. ho. 664 gc 63 gc ofy` gc 9=6>.

    >6 ]uibjnfg` ch G@SCB ho. 4= gc 91 gc dcircr` gc 9=67.

    >9 [email protected]. ho. 31 gc 95 gc dcircr` gc 6:74.

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    btjo`s f`s trfhsnurrjg`s y bf pfrtc vchnjgf gc bf fhufbjgfg n`rrjchtc. Ch hjheh nfs`p`gr pfntfrsc quc bf ajp`tcnf fsceurc jhtcrcscs p`r pbfz` supcrj`r f njhn` f`s. B`sjhtcrcscs gc gco`rf gc prstfo`s ` nrgjt`s pfrf bf fgqujsjnjh gc vjvjchgf afijtufb,efrfhtjzfg`s n`h ajp`tcnfs n`hstjtujgfs s`irc bf ojsof vjvjchgf, h` p`grh scrsupcrj`rcs f trcs vcncs cb jhtcrs bcefb gcb gjhcr` y s`b` p`grh gcvchefrsc s`irc cbprjhnjpfb pchgjchtc gc pfe`.

    Ch tcrncr buefr, sc fpbjnf f bf nbusubf gc jhtcrcscs o`rft`rj`s bf Gjsp`sjnjhWrfhsjt`rjf ^ceuhgf gc bf Bcy 6/9=6>, gc 67 gc ofy`, gjsp`hc quc Bf bjojtfnjh gcb`s jhtcrcscs gc gco`rf gc ajp`tcnfs n`hstjtujgfs s`irc vjvjchgf afijtufb (...) scr gcfpbjnfnjh f bfs ajp`tcnfs n`hstjtujgfs n`h p`stcrj`rjgfg f bf chtrfgf ch vje`r gc cstfBcy. Fsjojso`, gjnaf bjojtfnjh scr gc fpbjnfnjh f b`s jhtcrcscs gc gco`rf prcvjst`sch b`s prstfo`s n`h efrfhtf gc ajp`tcnf s`irc vjvjchgf afijtufb, n`hstjtujg`s fhtcsgc bf chtrfgf ch vje`r gc bf Bcy, quc sc gcvcheuch n`h p`stcrj`rjgfg f bf ojsof, fsn`o` f b`s quc afijhg`sc gcvchefg` ch gjnaf dcnaf h` auijcrfh sjg` sftjsdcna`s.

    ^ceujgfochtc, afrco`s rcdcrchnjf f uhf schtchnjf rcnjchtc, bf nufb af fgqujrjg` uhferfh n`htr`vcrsjf p`r cb tjp` gc jhtcrcscs gc gco`rf jhnbujgf ch cb n`htrft` ajp`tcnfrj`.

    Cstf schtchnjf cs bf rcdcrjgf f bf ^fbf ]rjocrf gcb Wrjiuhfb ^uprco` n`h scgc chOfgrjg, n`h dcnaf 99 gc firjb gc 9=63(YK 659>/9=63), ch bf nufb cb Ifhn` ^fhtfhgcr^.F., afif gcofhgfg` f uh nbjchtc p`r cb jopfe` gc uh prstfo` pcrs`hfb gc fbrcgcg`rgc 6>.===, y n`h vchnjojcht` cb 94 gc h`vjcoirc gc 9=69. Cb pcrkujnj` nfusfg` fbgcug`r ch cstc nfs`, cs bf jop`sjnjh gcb tjp` gc jhtcrs gc gco`rf djkfg` p`r bf chtjgfgifhnfrjf, sjtuhg`sc ch uh 96,1=% fhufb h`ojhfb. ]`r cstf nfusf, cb gcofhgfg` afifgckfg` gc fi`hfr bfs nu`tfs gcb prstfo`, gfhg` cb Ifhn` ^fhtfhgcr p`r vchnjg`fhtjnjpfgfochtc cb prstfo` ch ofy` gc 9=6=.

    Cb gcug`r n`htcst f bf gcofhgf ofhjdcstfhg` quc b`s jhtcrcscs o`rft`rj`s crfhcxncsjv`s, yf quc s`ircpfsfgf y n`h gjdcrchnjf cb bojtc gc g`s vcncs y ocgj` cb jhtcrsbcefb gcb gjhcr`.

    ]`r cbb`, bf rcs`bunjh gc gjnaf schtchnjf cstjo y n`hgch fb gcofhgfg` f fi`hfrbf nfhtjgfg bfs nu`tfs jopfefgfs p`r cb prstfo`, os b`s jhtcrcscs bcefbochtccstfibcnjg`, sjh coifre`, bc fis`bvj gcb pfe` ch n`hncpt` gc jhtcrs gc gco`rf djkfg`ch uh 96,1=% fhufb, yf quc gcnbfr hubf bf nbusubf quc cstfibcnf cb jhtcrs gc gco`rfy bf n`hsjgcr p`r h` pucstf.

    Shf prucif nbfrf gc cstf fiusjvjgfg ckcrnjgf p`r bf chtjgfg ifhnfrjf, cs cb jhtcrsgc gco`rf djkfg` ch bf pbjzf gc prstfo` pcrs`hfb, cb nufb n`hsjstf ch bf fgjnjh gchfgf och`s, quc gc gjcz puht`s p`rnchtufbcs fb jhtcrs rcouhcrft`rj`, afstf bbcefr ffbnfhzfr cb 96,1%.

    >.>. NYJWCYJ@^ ]FYF BF GCWCYOJHFNJH GCB NFYNWCY FIS^JT@ GC BFNBS^SBF GC JHWCYC^C^ O@YFW@YJ@^.

    Ch cstc fpfrtfg`, fhfbjzfrco`s sj cb prstfo` (` nrgjt`) n`h efrfhtf ajp`tcnfrjf tjchcn`o` `ikct` prjhnjpfb, bf fgqujsjnjh gc bf vjvjchgf afijtufb gcb n`hsuojg`r `, ch sunfs`, bf rcd`rof ` rcafijbjtfnjh gc bf ojsof, yf quc h` cs b` ojso` bf fgqujsjnjh gcbf vjvjchgf afijtufb quc bf fgqujsjnjh gc uhf sceuhgf rcsjgchnjf.

    ]`r cbb`, nfic scfbfr cb frtnub` 75 gc bf N`hstjtunjh Cspf`bf gc 6:51>>, nufhg`cb ojso` scfbf quc W`g`s b`scspf`bcs tjchch gcrcna` f gjsdrutfr gc uhf vjvjchgfgjehf y fgcnufgf.

    W`g`s cst`s ofhgft`s n`hstjtunj`hfbcs jopbjnfh bf cspcnjfb pr`tcnnjh gc b`sn`hsuojg`rcs y usufrj`s fdcntfg`s p`r nbusubfs quc bcs echcrch gcscqujbjirj`sjop`rtfhtcs y ch nuyf hce`njfnjh h` afyf p`gjg` jhdbujr f trfvs gc uhf hce`njfnjh

    jhgjvjgufbjzfgf, ` quc scfh n`htrfrjfs fb kust` cqujbjirj` y f bf iuchf dc, nufhg` bfs>> [email protected]. ho. >66 gc 9: gc gjnjcoirc gc 6:51.

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    ojsofs sc rcdjcrc f bf vjvjchgf afijtufb gcb jhgjnfg` n`hsuojg`r, n`o` ijch gc cspcnjfbpr`tcnnjh.

    @tr` fspcnt` tfoijh jop`rtfhtc, cs bf nfpfnjgfg gc jhdbujr p`r pfrtc gcb n`hsuojg`rch bf rcgfnnjh gc bf nbusubf n`htrfntufb y fb rcspcnt` gjsp`hc cb frtnub` > gc bfGjrcntjvf :>/6>/NCC>7quc, 6. Bfs nbusubfs n`htrfntufbcs quc h` sc afyfh hce`njfg`jhgjvjgufbochtc sc n`hsjgcrfrfh fiusjvfs sj, pcsc f bfs cxjechnjfs gc bf iuchf dc,

    nfusfh ch gctrjocht` gcb n`hsuojg`r uh gcscqujbjirj` jop`rtfhtc chtrc b`s gcrcna`s y`ibjefnj`hcs gc bfs pfrtcs quc sc gcrjvfh gcb n`htrft`. 9. ^c n`hsjgcrfrf quc uhfnbusubf h` sc af hce`njfg` jhgjvjgufbochtc nufhg` afyf sjg` rcgfntfgf prcvjfochtcy cb n`hsuojg`r h` afyf p`gjg` jhdbujr s`irc su n`htchjg`, ch pfrtjnubfr ch cb nfs` gcb`s n`htrft`s gc fgacsjh.

    Cb prjocr cbcocht` f tchcr ch n`hsjgcrfnjh p`r cb Wrjiuhfb pfrf p`gcr erfgufr sj bfnbusubf gc jhtcrcscs o`rft`rj`s cs ` h` fiusjvf cs vfb`rfr sj ch bf rcgfnnjh gc bfojsof tuv` ` h` nfpfnjgfg cb n`hsuojg`r gc jhdbujr ch bf rcgfnnjh gc bfs nbusubfsn`htrfntufbcs.

    Ch cstc schtjg`, tfoijh gcic ochnj`hfrsc quc bf Gjrcntjvf 9=67/65/SC, prcv chsus frtnub`s 6> y 67 bf jhd`rofnjh echcrfb quc B`s Cstfg`s ojcoir`s efrfhtjzfrh

    quc b`s prcstfojstfs `, ch su nfs`, b`s jhtcrocgjfrj`s gc nrgjt` vjhnubfg`s ` susrcprcschtfhtcs gcsjehfg`s dfnjbjtch ch t`g` o`ocht`, ch s`p`rtc gc pfpcb ` nufbqujcr`tr` s`p`rtc gurfgcr` ` ch d`roft` cbcntrhjn`, jhd`rofnjh echcrfb nbfrf y n`oprchsjibcs`irc b`s n`htrft`s gc nrgjt`.

    Cstf jhd`rofnjh echcrfb gcicr cspcnjdjnfr, n`o` ohjo` chtrc `tr`s fspcnt`s, bfjgchtjgfg y gjrcnnjh ec`erdjnf gc qujch cojtc bf jhd`rofnjh< b`s djhcs pfrf b`s qucpucgc copbcfrsc cb nrgjt`< bf gurfnjh p`sjibc gc b`s n`htrft`s gc nrgjt`< bfs d`rofsgc tjp` gcug`r gjsp`hjibc, jhgjnfhg` sj cstc cs djk` ` vfrjfibc ` uhf n`oijhfnjh gcfoi`s, n`h uhf ircvc gcsnrjpnjh gc bfs nfrfntcrstjnfs gc b`s tjp`s djk`s y vfrjfibcs,ctn.

    F bf a`rf gc gctcrojhfr sj gjnaf nbusubf cs fiusjvf, sc gcic tchcr ch nuchtf b`s

    sjeujchtcs fspcnt`s;

    6) W`gfs bfs njrnuhstfhnjfs quc n`hnurrfh prcvjf y gurfhtc bf ncbcirfnjh gcb n`htrft`ch cb quc sc jhscrtf bf nbusubf fiusjvf.

    9) Iuchf dc y gcscqujbjirj` jop`rtfhtc ch gctrjocht` gcb n`hsuojg`r chtrc b`sgcrcna`s y bfs `ibjefnj`hcs gc bfs pfrtcs quc sc gcrjvfh gcb n`htrft`.

    >7 ]uibjnfg` ch G@SCB ho. :3, gc 96 gc firjb gc 6::>, pejhfs 9: f >7.

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    NF]WSB@ 7

    NBS^SBF ^SCB@

    7.6. H@NJH GC NBS^SBF ^SCB@.

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    quc h` sc n`h`nc n`h sceurjgfg bf vfrjfnjh quc sudrjr gjna` tjp` gc jhtcrs.]rucif gc cbb`, cs quc b`s prstfo`s n`h efrfhtf ajp`tcnfrjf n`h uhf gurfnjh

    supcrj`r f gjcz f`s sucbch pfntfrsc f jhtcrs vfrjfibc, pr`gunjchg`, quc gc d`rofpcrjgjnf sc pr`guznf uhf rcvjsjh, h`rofbochtc nfgf scocstrc ` f djhfbcs gc f`,s`irc cb tjp` gc jhtcrs fpbjnfibc fb hucv` pcr`g`, cb nufb, cs afijtufbochtc n`o`rcsubtfg` gc suofr uh ofrech djkfg` ch cb o`ocht` gc bf djrof gcb prstfo` quc scn`h`nc n`o` gjdcrchnjfb f uh tjp` gc rcdcrchnjf `djnjfb, n`o` p`r ckcopb` cb Curji`r, cbnufb sjehjdjnf Cur`pcfh Jhtcrifhl @ddcrcg Yftc,b` quc trfgunjg` fb cspf`b scrf tjp`cur`pc` gc dcrtf jhtcrifhnfrjf, sjchg` cb os afijtufb ch Cspff.

    ]frf fn`tfr bf vfrjfnjh quc sudrc cstc tjp` gc rcdcrchnjf, sc cstfibcnc g`s bojtcs,uh` fb fbzf y `tr` f bf ifkf, b` quc sc n`h`nc n`o` tcna` ` sucb` gcb tjp` gc jhtcrs.

    Cs gcnjr, fb cstfibcncr uhf nbusubf sucb`, gjna` bojtc b` quc sjehjdjnf cs quc p`r ouna`quc ifkc cb tjp` gc rcdcrchnjf pfntfg`, sjcoprc sc vf f pfefr cb tjp` gc jhtcrs ohjo`djkfg` n`o` sucb`. Z kust` `nurrc b` n`htrfrj` fb djkfrsc uhf nbusubf tcna`, p`r ouna`quc suijcrf cb tjp` gc rcdcrchnjf, huhnf sc pfefrf uh tjp` cdcntjv` supcrj`r fb pfntfg`n`o` oxjo`.

    Ch bf sjeujchtc jofech p`gco`s `iscrvfr bf cv`bunjh quc af tchjg` cb Curji`r, cbnufb gcsgc prjhnjpj`s gc 9==1, afstf Firjb gc 9=63, sc rcdbckf bf n`hstfhtc nfgf gurfhtct`g` cstc tjcop`, bbcefhg` f fbnfhzfr su ohjo` ajstrjn` sjtuhg`sc ch uh =,61% ch cbocs gc Firjb.

    Djeurf 7.6. Cv`bunjh gcb Curji`r.Duchtc;attps;//www.acbpoynfsa.n`o/ajp`tcnfs/curji`r-fntufb/

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    F n`htjhufnjh fprcnjfo`s n`h os gctfbbc bf vfrjfnjh quc af sudrjg` cb Curji`r, fsn`o` su vfb`r ch nfgf ocs, gcsgc Ofy` gc 9=67, afstf cb ocs gc Firjb gc 9=63,sudrjchg` bf ofy`r vfrjfnjh ch cstc btjo` ocs, gjsojhuychg` uh -=,=>9.

    Djeurf 7.9. Tfrjfnjh Ochsufb gcb Curji`r.

    Duchtc;attp;//www.gft`sofnr`.n`o/ajp`tcnfs/curji`r

    Wfoijh gcico`s gc jhgjnfr, quc cxjstch gjstjht`s tjp`s gc rcdcrchnjf gc bfs ajp`tcnfsgcstfnfhg`, cb Curji`r>3quc cs cb os usfg` ch Cspff, cb nufb sc fn`ej sustjtuychg`fb Oji`r (hgjnc os usfg` fhtcrj`rochtc) f rfz gcb trfspfs` gc n`opctchnjfs gcbIfhn` gc Cspff fb Ifhn` Nchtrfb Cur`pc` n`h bf chtrfgf gcb cur` ch hucstr` pfs.

    >3 - Curji`r; n`o` aco`s cxpbjnfg` fhtcrj`rochtc cs cb fnrhjo` gc Cur` Jhtcrifhl @ddcrcg Yftc, cs gcnjr,tjp` cur`pc` gc `dcrtf jhtcrifhnfrjf. Cs uh hgjnc gc rcdcrchnjf puibjnfg` gjfrjfochtc quc jhgjnf tjp`gc jhtcrs pr`ocgj` fb quc bfs chtjgfgcs djhfhnjcrfs sc `drcnch f prcstfr gjhcr` ch cb ocrnfg`jhtcrifhnfrj` (cs gcnjr, f `tr`s ifhn`s). ^c nfbnubf usfhg` b`s gft`s gc b`s 94 prjhnjpfbcs ifhn`s quc`pcrfh ch Cur`pf, y su vfb`r ochsufb cs ouy utjbjzfg` n`o` rcdcrchnjf pfrf b`s prstfo`s ifhnfrj`s

    - Oji`r; sus jhjnjfbcs n`rrcsp`hgch f Ofgrjg Jhtcrifhl @ddcrcg Yftc, cs cb tjp` gc jhtcrs quc sc fpbjnfch cb ocrnfg` gc nfpjtfbcs gc Ofgrjg. Du sustjtujg` p`r cb Curji`r, cb nufb h` bbce` f fpbjnfrsc afstf cb6 gc chcr` gcb f` 9===.

    . - NCNF; su pr`ocgj` ochsufb febutjhf cb prcnj` gc b s prstfo`s ajp`tcnfrj`s y cb gc b`s prstfo`spcrs`hfbcs `drcnjg`s p`r bfs nfkfs gc fa`rr`, cb nufb cs utjbjzfg`, p`r fbeuhfs Nfkfs gc Fa`rr` pfrf

    rcdcrchnjfr bfs ajp`tcnfs gc sus nbjchtcs.- JY]A gc ifhn`s; rcprcschtf bf ocgjf gc b`s prstfo`s f trcs f`s n`hncgjg`s p`r cstfs chtjgfgcs.Cs cb hgjnc gc rcdcrchnjf puibjnfg` p`r cb Ifhn` gc Cspff sc nfbnubf pfrtjr gc b`s tjp`s gc jhtcrsocgj`s gc b`s prstfo`s ajp`tcnfrj`s f uh pbfz` supcrj`r f trcs f`s quc b`s ifhn`s afh jhjnjfg` `rch`vfg` gurfhtc cb ocs. Cb JY]A gc b`s ifhn`s sucbc scr ifstfhtc os fbt` quc cb Curji`r.

    - JY]A gc nfkfs gc fa`rr`; stc hgjnc sc n`hstruyc jeufb quc cb fhtcrj`r, pcr` n`h bfs `dcrtfsajp`tcnfrjfs gc bfs nfkfs gc fa`rr`s. Cs cb tjp` gc jhtcrs ocgj` gc bfs ajp`tcnfs n`hncgjgfs p`r bfsNfkfs gc Fa`rr` n`h uh ohjo` gc trcs f`s gc vjgf gurfhtc uh pcr`g` gc tjcop`, echcrfbochtc uhocs .Cb Ifhn` gc Cspff b` nfbnubf f trfvs gc bf jhd`rofnjh rcojtjgf p`r bfs Nfkfs gc Fa`rr` y sccxprcsf f su vcz ch bf Wfsf Fhufb Cqujvfbchtc (WFC). ^ucbc scr supcrj`r fb gc b`s ifhn`s y p`r b` tfht`fb Curji`r.

    - Cb tjp` ocgj` JY]A gcb N`hkuht` gc Chtjgfgcs; nrcgjtjnjfs cs uhf ocgjf gcb JY]A gc b`s ifhn`s y cbgc bfs nfkfs gc fa`rr`.

    - Cb gc Gcugf ]ibjnf, quc cs bf rchtfijbjgfg scocstrfb gc b`s i`h`s gcb Wcs`r`.

    http://www.datosmacro.com/hipotecas/euriborhttp://www.datosmacro.com/hipotecas/euriborhttp://www.datosmacro.com/hipotecas/euribor
  • 7/24/2019 CLUSULAS ABUSIVAS EN LA CONTRATACIN BANCARIA

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    WDE-DJN@. Nbusubfs fiusjvfs ch bf n`htrftfnjh ifhnfrjf

    -6:-

    Wfoijh h`s chn`htrfo`s n`h cb JY]A gcb n`hkuht` gc chtjgfgcs nrcgjtjnjfs, JY]ANCNF jhgjnfg`r gc bfs nfkfs gc fa`rr`, cb hgjnc gc gcugf pibjnf, ctn.

    Djeurf 7.>. Nbfsjdjnfnjh gc b`s tjp`s gc rcdcrchnjf gc bfs ajp`tcnfs.Duchtc;attp;//www.gft`sofnr`.n`o/ajp`tcnfs

    7.9. FHBJ^J^ KSYJ^]YSGCHNJFB.

    Bf g`ntrjhf quc cofhf gc bfs gjdcrchtcs rcs`bunj`hcs kurjsprugchnjfbcs, quc gctcrojhfn`h cxfntjtug bfs nbusubfs sucb`, sc gcsfrr`bbfrh f n`htjhufnjh, sceh bf schtchnjfgcb Wrjiuhfb ^uprco` gc : gc Ofy` gc 9=6>(YK9=6>/>=11), fs n`o` f trfvs gcbfhbjsjs gc bf Kurjsprugchnjf N`ouhjtfrjf ch oftcrjf gc pr`tcnnjh gcb n`hsuojg`r y chfpbjnfnjh gc bf Gjrcntjvf :>/6> NCC.

    7.9.6. Kurjsprugchnjf fhtcrj`r f bf schtchnjf gcb Wrjiuhfb ^uprco` gc : gc ofy`gc 9=6>.

    Gchtr` gc cstc fpfrtfg`, afrco`s rcdcrchnjf f gjvcrsfs schtchnjfs fhtcrj`rcs f bf gcb :gc ofy` gc 9=6>, cstfibcnjhg`sc ch bf ofy`rf gc cbbfs bf n`hgjnjh gc fiusjvjgfg chbfs nbusubfs ajp`tcnfrjfs jopucstfs p`r bfs chtjgfgcs ifhnfrjfs;

    ^chtchnjf gcb Kuzefg` gc b` Ocrnfhtjb gc Obfef, f 9= gc gjnjcoirc gcb 9=66 (YK67>/9=66), n`htrf bf chtjgfg Ifhn` Ijbif` Tjznfyf Frechtfrjf ^.F. (IITF).

    Bf pfrtc fnt`rf, duhgfochtf sus prctchsj`hcs fbcefhg` quc sc trftf gc uhfn`hgjnjh echcrfb gc bf n`htrftfnjh quc gcic scr gcnbfrfgf hubf p`r fiusjvf gfg` qucsc trftf gc uhf nbfusubf jopucstf y h` hce`njfgf n`h b`s fnt`rcs, n`htrfrjf f b`s us`sgc bf iuchf dc y quc `nfsj`hf uh gcscqujbjirj` chtrc bfs prcstfnj`hcs gc bfs pfrtcs ch

    pcrkujnj` gcb n`hsuojg`r, b`s fnt`rcs, pucst` quc cb bjojtc ojhjh` gc tjp` gc jhtcrsfpbjnfibcs sc djkfif ch uh 9,93 os cb gjdcrchnjfb pfntfg`, ojchtrfs quc cb bojtc oxjo`sc cstfibcnc fb 63%.

    Fs, ftchgjchg` f bf cv`bunjh gcb Curji`r sc fprcnjf quc cb oxjo` fbnfhzfg` afsjg` gcb 3,3%, fprcnjhg`sc bf erfh gjdcrchnjf chtrc csc oxjo` y cb djkfg` ch cbn`htrft`.

    ]`r b` tfht`, cb kucz cstjo bf sjeujchtc schtchnjf;

    ... n`hgchfhg` f bf gcofhgfgf f cbjojhfr gjnaf nbusubf gcb rcdcrjg` n`htrft` y f bfrcjhtcerfnjh gc bf nfhtjgfg (...) pfefgf ch cxncs` ch fpbjnfnjh gc bf rcdcrjgf nbusubf,fs n`o` f bfs nfhtjgfgcs quc n`h p`stcrj`rjgfg f bf gcofhgf sc afyfh fi`hfg` ch

    fpbjnfnjh gc bf nbusubf hubf, t`gfs cbbfs jhnrcochtfgfs ch cb jhtcrs bcefb gcsgc quccdcntjvfochtc sc n`irfr`h jhgcijgfochtc afstf bf prcschtc rcs`bunjh. W`g` cbb` n`hcxprcsf jop`sjnjh f bf gcofhgfgf gc bfs n`stfs nfusfgfs ch cstf jhstfhnjf.

    http://www.datosmacro.com/hipotecashttp://www.datosmacro.com/hipotecas
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    WDE-DJN@. Nbusubfs fiusjvfs ch bf n`htrftfnjh ifhnfrjf

    -9=-

    Bf prjocrf schtchnjf f bf quc fbugjrco`s, cs bf gjntfojhfgf p`r cb Kuzefg` gc b`Ocrnfhtjb h6 gc Ngjz, n`h dcnaf f 96 gc gjnjcoirc gc 9=66 (YK 636/9=66), n`htrfShjnfkf. Gjnaf schtchnjf scfbf quc cb tjp` gc jhtcrs djkfg` scrjf Curji`r, sjh quc,ducrfh nufbcs ducrfh bfs dbuntufnj`hcs gcb Curji`r, gjna` tjp` h` p`gf gcsnchgcr p`rgcifk` gcb >,3%. ]`r cbb`, quc bf nbusubf cs fiusjvf p`rquc h` vf fn`opffgf gc uhfbjojtfnjh pfrf pr`tcecr fb n`hsuojg`r drchtc f bfs dbuntufnj`hcs fb fbzf gcb Curji`r,nfusfhg` uh gcscqujbjirj` ch pcrkujnj` gcb gcug`r, n`htrfrj` f bf iuchf dc. ]rucif gccstc gf`, cs quc chtrc cb fe`st` gc 9=6= y cb 9= gc fe`st` gc 9=66 cb tjp` quc auijcrfn`rrcsp`hgjg` pfefr, auijcrf sjg` gcb 9,916%, pucst` quc cb vfb`r gcb Curji`r, pfrfgjna` pcrj`g`, crf gcb 6,916%.

    ]`r b` tfht`, cb kucz cstjof b` sjeujchtc;

    ... gci` gcnbfrfr y gcnbfr` bf hubjgfg gc bf nbusubf quc cstfibcnc, n`o` bojtcohjo` gcb tjp` gc jhtcrs vfrjfibc pfntfg`, cb >,3% ("nbusubf sucb`"), n`htchjgf ch cbn`htrft` gc prstfo` susnrjt` p`r bfs pfrtcs (...), y gci` n`hgchfr y n`hgch` f bfgcofhgfgf f cbjojhfr gjnaf nbusubf gcb ochnj`hfg` n`htrft`. H` af buefr f n`hgchfrf bf gcofhgfgf fb pfe` gc nfhtjgfg fbeuhf. W`g` cbb` sjh cxprcsf n`hgchf ch n`stfsgc hjheuhf gc bfs pfrtcs.

    ^chtchnjf gc bf Fugjchnjf ]r`vjhnjfb scnnjh h3 gc [frfe`zf, f 1 gc ofy` gc 9=69(YK 6644/9=69), n`htrf Nfkf Cspff gc jhvcrsj`hcs ^fbfofhnf y ^`rjf.

    Ycspcnt` f cstf schtchnjf, gcico`s gc jhgjnfr quc bf gcofhgfhtc, fbcef quc cb tjp`gc jhtcrs ojhjh` quc fntufrf n`o` bojtc jhdcrj`r gc bf djkfnjh gc jhtcrs vfrjfibc csfiusjv`, ch nufht` bfs pfrtcs h` n`hsjhtjcr`h su jhtr`gunnjh ch cb n`htrft` y ch nufht`quc r`opc bf rcnjpr`njgfg gc b`s gcrcna`s y `ibjefnj`hcs chtrc cbbfs.

    Ojchtrfs tfht`, bf gcofhgfgf fbce bf cxjstchnjf gc jhd`rofnjh sudjnjchtc qucpcrojtj quc cb n`hschtjojcht` s`irc tfb nbusubf ducrf cojtjg , y quc h` cxjstj dfbtf gcrcnjpr`njgfg, pucs bf nbusubf gc bojtc ohjo` bbcvf fpfrckfgf `trf gc bojtc oxjo`.

    Cb kucz cstfibcnj b` sjeujchtc;

    Vuc cstjofhg` bf gcofhgf jhtcrpucstf gci` gcnbfrfr bf hubjgfg gc bf nbusubf gctjp` gc jhtcrs ohjo` fpbjnfibc (...) prstfo` ajp`tcnfrj` `t`refg` y fopbjfg`,n`hgchfr f bf gcofhgfgf f bf gcv`bunjh gc bfs nfhtjgfgcs pcrnjijgfs ch cxncs` gcsgcdcircr` gc 9=6= afstf bf dcnaf gc jhfpbjnfnjh gc bf nbusubf....

    @trf schtchnjf quc fgqujcrc erfh jop`rtfhnjf, y quc pr`ncgcrco`s f n`ochtfrsceujgfochtc cs bf cstfibcnjgf p`r cb Wrjiuhfb gc Kustjnjf gc bf Shjh Cur`pcf (WKSC),n`h dcnaf 67 gc ofrz` gc 9=6> (YK 593/9=6>), quc rcs`bvf cb bbfofg` nfs` Fzjz.

    Cstc nfs`, tuv` uhf erfh rcbcvfhnjf p`r b`s cstfibcnjojcht`s quc jopus` cb WKSC,rcdcrchtc f bfs nbusubfs fiusjvfs jopucstfs p`r huocr`sfs chtjgfgcs ifhnfrjfs, bfsnufbcs pr`gunfh uh pcrkujnj` f b`s gcrcna`s gc b`s n`hsuojg`rcs ch bf ofy`rf gc b`snfs`s.

    Fbeuh`s fspcnt`s quc gcico`s gc gcstfnfr gc gjnaf schtchnjf, p`r bf rcpcrnusjhy o`gjdjnfnj`hcs quc supus` s`h b`s sjeujchtcs;

    - ]crojtc fb kucz hfnj`hfb suspchgcr uhf ckcnunjh ajp`tcnfrjf y cxfojhfr bfsnbusubfs gcb n`htrft` djrofg` chtrc cb n`hsuojg`r y bf chtjgfg djhfhnjcrf pfrfgctcrojhfr sj s`h fiusjvfs.

    - Gc jeufb ofhcrf, scfbfr bf cxjstchnjf gc gjnafs nbusubfs fiusjvfs, pucgcscr fprcnjfgfgc `djnj` p`r pfrtc gcb Kucz, b` quc n`hbbcvf f uh cdcnt` trfsnchgchtfb fb h`rcqucrjr cb Kucz bf fbcefnjh p`r pfrtc gcb gcug`r ajp`tcnfrj` gc bf cxjstchnjf gc uhfnbusubf fiusjvf sjh` quc gjrcntfochtc bf p`gr fprcnjfr stc gjrcntfochtc.

    - Bf n`hscnuchnjf pfrf cb pr`ncgjojcht` gc ckcnunjh ajp`tcnfrjf cs nbfrf, bfsuspchsjh gc bf ckcnunjh afstf quc h` sc afyf rcsucbt` s`irc bf cxjstchnjf gc bfsnbusubfs fiusjvfs.

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    WDE-DJN@. Nbusubfs fiusjvfs ch bf n`htrftfnjh ifhnfrjf

    -96-

    ]`r cbb`, bf ^chtchnjf gcb Wrjiuhfb gc Kustjnjf gc bf Shjh Cur`pcf cs uh jop`rtfhtcfvfhnc pfrf bf gcdchsf gc b`s gcrcna`s gc b`s n`hsuojg`rcs, t`ref dfnubtfgcs tfht` fgjna` n`hsuojg`r n`o` fb Kucz pfrf suspchgcr bf ckcnunjh ajp`tcnfrjf afstf quc h`qucgc vfb`rfgf y rcsucbtf bf cxjstchnjf gc nbusubfs fiusjvfs.

    7.9.9. ^chtchnjf gcb Wrjiuhfb ^uprco` gc : gc Ofy` gc 9=6>.

    B`s prstfo`s n`hncgjg`s p`r ifhn`s y chtjgfgcs djhfhnjcrfs f n`hsuojg`rcs,

    efrfhtjzfg`s p`r ajp`tcnf, s`h prstfo`s rctrjiujg`s ch b`s quc cb prcstftfrj`, fgcosgc `ibjefrsc f gcv`bvcr fb prcstfojstf cb nfpjtfb prcstfg`, sc `ibjef f pfefr jhtcrcscsdjk`s ` vfrjfibcs , cb tjp` gc jhtcrs f pfefr p`r cb prcstftfrj` `snjbf f b` bfre` gcb tjcop`y sc djkf, isjnfochtc, ocgjfhtc bf fgjnjh gc g`s suofhg`s; f) cb tjp` ` hgjnc gcrcdcrchnjf, quc cs uh tjp` gc jhtcrs `djnjfb ` h`, quc dbuntf ch cb tjcop` (cb osdrcnuchtc cb CSYJI@Y f uh f`)< y i) cb gjdcrchnjfb ` p`rnchtfkc djk` quc sc fgjnj`hf fbtjp` gc rcdcrchnjf.

    Bf ^chtchnjf H 976/9=6> gcb pbch` gc bf ^fbf ]rjocrf gcb Wrjiuhfb ^uprco`, gcdcnaf : gc ofy` gc 9=6> (YK 9=6>/>=11), tjchc su `rjech ch bf fnnjh n`bcntjvf gcncsfnjh gc n`hgjnj`hcs echcrfbcs gc bf n`htrftfnjh ckcrnjtfgf p`r FS^IFHN, ch bfquc sc s`bjnjt bf gcnbfrfnjh gc hubjgfg gc bjojtfnjh gc bf vfrjfnjh fb fbzf ` f bf ifkf

    gcb tjp` gc jhtcrs fpbjnfibc f b`s n`htrft`s gc prstfo` ajp`tcnfrj` ch b`s quc scjhn`rp`rfh. ]`r cbb`, bf rcs`bunjh gc gjnaf ^chtchnjf, gjntfojh p`r uhfhjojgfg, sjhhjheh v`t` gjsnrcpfhtc gc hjheh ofejstrfg`, af fn`rgfg` n`hgchfr f bfs chtjgfgcsgcofhgfgfs (IITF, Nfjxf Efbjnjf y Nfkfofr), y gcnbfrfr bf hubjgfg gc bf nbusubfsucb`.

    Ch nufht` fb n`htr`b gc cstc tjp` gc nbusubfs, bf ^chtchnjf gc : gc Ofy` gc 9=6>cstfibcnc bfs sjeujchtcs prcnjsj`hcs;

    f) Bfs nbusubfs sucb` cxfojhfgfs n`hstjtuych nbusubfs quc gcsnrjich y gcdjhch cb`ikct` prjhnjpfb gcb n`htrft`. Z p`r cbb` p`rquc d`rofh pfrtc jhcsnjhgjibc gcb prcnj` qucgcic pfefr cb prcstftfrj`.

    i) N`o` rcebf h` pucgc n`htr`bfrsc su cqujbjirj` n`hd`roc f bf Gjrcntjvf :>/6>, yfquc cb n`hsjgcrfhg` gcnjo`h`vch` gc bf Gjrcntjvf :>/6> jhgjnf quc \_ bf fprcnjfnjhgcb nfrntcr fiusjv` h` gcic rcdcrjrsc hj f bfs nbusubfs quc gcsnrjifh cb `ikct` prjhnjpfbgcb n`htrft` hj f bf rcbfnjh nfbjgfg/prcnj` gc bf ocrnfhnf ` gc bf prcstfnjh.

    Gc jeufb ofhcrf, cb sjstcof bfs s`octc f uh g`ibc n`htr`b gc trfhspfrchnjf quc fn`htjhufnjh cxp`hgrco`s, cb nufb cstfrf d`rofg` p`r bfs sjeujchtcs ctfpfs;

    Cb prjocr n`htr`b gc trfhspfrchnjf f cdcnt`s gc jhn`rp`rfnjh gc bf nbusubf fbn`htrft`. ^crjf gctcrojhfr sj sc fkustfh f b`s rcqujsjt`s gc b`s frtnub`s 3 f 5 gc bf Bcygc N`hgjnj`hcs Echcrfbcs gc bf N`htrftfnjh, b`s nufbcs cxp`hgrco`s sceujgfochtc;

    Frtnub` 3. Ycqujsjt`s gc jhn`rp`rfnjh;6. Bfs n`hgjnj`hcs echcrfbcs pfsfrh fd`rofr pfrtc gcb n`htrft` nufhg` sc fncptc p`r cb fgacrchtc su jhn`rp`rfnjh fb ojso`y scf djrofg` p`r t`g`s b`s n`htrftfhtcs. W`g` n`htrft` gcicr afncr rcdcrchnjf f bfsn`hgjnj`hcs echcrfbcs jhn`rp`rfgfs. H` p`gr chtchgcrsc quc af afijg` fncptfnjh gcbf jhn`rp`rfnjh gc bfs n`hgjnj`hcs echcrfbcs fb n`htrft` nufhg` cb prcgjsp`hchtc h`afyf jhd`rofg` cxprcsfochtc fb fgacrchtc fncrnf gc su cxjstchnjf y h` bc afyfdfnjbjtfg` uh ckcopbfr gc bfs ojsofs< 9. B`s fgacrchtcs p`grh cxjejr quc cb H`tfrj`fut`rjzfhtc h` trfhsnrjif bfs n`hgjnj`hcs echcrfbcs gc bf n`htrftfnjh ch bfs csnrjturfsquc `t`reuc y quc sc gckc n`hstfhnjf gc cbbfs ch bf oftrjz (...)< >. Nufhg` cb n`htrft` h`gcif d`rofbjzfrsc p`r csnrjt` y cb prcgjsp`hchtc chtrceuc uh rcseufrg` kustjdjnftjv` gcbf n`htrfprcstfnjh rcnjijgf, ifstfr n`h quc cb prcgjsp`hchtc fhuhnjc bfs n`hgjnj`hcsechcrfbcs ch uh buefr vjsjibc gchtr` gcb buefr ch cb quc sc ncbcirf cb hce`nj`, quc bfsjhscrtc ch bf g`nuochtfnjh gcb n`htrft` quc fn`opff su ncbcirfnjh< ` quc, gc

    nufbqujcr `trf d`rof, efrfhtjnc fb fgacrchtc uhf p`sjijbjgfg cdcntjvf gc n`h`ncr sucxjstchnjf y n`htchjg` ch cb o`ocht` gc bf ncbcirfnjh< 3. Bf rcgfnnjh gc bfs nbusubfsechcrfbcs gcicr fkustfrsc f b`s nrjtcrj`s gc trfhspfrchnjf, nbfrjgfg, n`hnrcnjh yschnjbbcz.

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    WDE-DJN@. Nbusubfs fiusjvfs ch bf n`htrftfnjh ifhnfrjf

    -99-

    Ycsfbtfr quc cb fpfrtfg` 7 af sjg` gcr`efg` p`r bf Bcy >/9=67, gc 95 gc ofrz`, p`rbf quc sc o`gjdjnf BENGS>4.

    Frtnub` 5. H` jhn`rp`rfnjh; H` qucgfrh jhn`rp`rfgfs fb n`htrft` bfs sjeujchtcsn`hgjnj`hcs echcrfbcs; f) Bfs quc cb fgacrchtc h` afyf tchjg` `p`rtuhjgfg rcfb gcn`h`ncr gc ofhcrf n`opbctf fb tjcop` gc bf ncbcirfnjh gcb n`htrft` ` nufhg` h` afyfhsjg` djrofgfs, nufhg` scf hcncsfrj`, ch b`s trojh`s rcsubtfhtcs gcb Frtnub` 3< i) bfs

    quc scfh jbcejibcs, foijeufs, `snurfs c jhn`oprchsjibcs, sfbv`, ch nufht` f cstfsbtjofs, quc auijcrch sjg` cxprcsfochtc fncptfgfs p`r csnrjt` p`r cb fgacrchtc y scfkustch f bf h`roftjvf cspcndjnf quc gjsnjpbjhc ch su oijt` bf hcncsfrjf trfhspfrchnjfgc bfs nbusubfs n`htchjgfs ch cb n`htrft`.

    Ch nuht`, fb sceuhg` n`htr`b gc trfspfrchnjf, ch n`htrft`s susnrjt`s n`hn`hsuojg`rcs, jhnbuyc cb n`htr`b gc n`oprchsjijbjgfg rcfb gc su jop`rtfhnjf ch cbgcsfrr`bb` rfz`hfibc gcb n`htrft`. ^c trftfrf gc gctcrojhfr sj cb n`htchjg` gc bfnbusubf, bf d`rof gc rcgfnnjh c jhnbus` su uijnfnjh pcrojtch fb n`hsuojg`r n`h`ncrbf nfref cn`hojnf gcb n`htrft`.

    Cb Wrjiuhfb ^uprco` ch bf ^chtchnjf gc : Ofy` gc 9=6>, trfs gctcrojhfr quc bfsnbusubfs sucb` supcrfifh cb n`htr`b gc jhn`rp`rfnjh gc b`s frtnub`s 3 y 5 gc bf Bcy gc

    N`hgjnj`hcs Echcrfbcs gc bf N`htrftfnjh, fdjrof quc bfs ojsofs h` supcrfh cbsceuhg` n`htr`b gc trfspfrchnjf gcijg` f b`s sjeujchtcs o`tjv`s;

    f) Ch prjocr buefr, rcsfbtfr bf dfbtf jhd`rofnjh sudjnjchtcochtc nbfrf gc quc sc trftfgc uh cbcocht` gcdjhjt`rj` gcb `ikct` prjhnjpfb gcb n`htrft`.

    i) Ch sceuhg` buefr, gcico`s gc n`ochtfr quc sc gcsvf bf ftchnjh gcb n`hsuojg`ry sc `istfnubjzf cb fhbjsjs gcb jopfnt` gc bf nbusubf sucb` ch cb n`htrft`.

    n) Wfop`n` cxjstch sjoubfnj`hcs gc csnchfrj`s gjvcrs`s rcbfnj`hfg`s n`h cbn`op`rtfojcht` rfz`hfibcochtc prcvjsjibc gcb tjp` gc jhtcrs ch cb o`ocht` gcn`htrftfr.

    g) Ch btjo` buefr, gcico`s gc scfbfr quc h` afy jhd`rofnjh prcvjf nbfrf y

    n`oprchsjibc s`irc cb n`stc n`opfrftjv` n`h `trfs o`gfbjgfgcs gc prstfo` gc bfpr`pjf chtjgfg, ` ch su nfs` uhf fgvcrtchnjf gc quc fb n`hnrct` pcrdjb gc nbjchtc h` scbc `dcrtfh bfs ojsofs.

    Shf vcz n`ochtfgfs bfs fhtcrj`rcs n`hsjgcrfnj`hcs, cstf schtchnjf fprcnjf bf bjnjtuggc bfs nbusubfs sucb` ftchgjchg` bfs sjeujchtcs n`hncptufbjzfnj`hcs;

    Bfs nbusubfs sucb` s`h bnjtfs sjcoprc quc su trfhspfrchnjf pcrojtf fb n`hsuojg`rjgchtjdjnfr bf nbusubf n`o` gcdjhjg`rf gcb `ikct` prjhnjpfb gcb n`htrft` y n`h`ncr cb rcfbrcpfrt` gc rjcse`s gc bf vfrjfijbjgfg gc b`s tjp`s.

    H` cs prcnjs` quc cxjstf cqujbjirj` cn`hojn` ` cqujgjstfhnjf chtrc cb tjp` jhjnjfbdjkfg` y b`s t`pcs scfbfg`s n`o` sucb` y tcna`.

    Os fh, s`h bnjtfs jhnbus` bfs nbusubfs sucb` quc h` n`cxjstch n`h nbusubfs tcna`.

    Ch gcdjhjtjvf, n`rrcsp`hgc f bf jhjnjftjvf coprcsfrjfb djkfr cb jhtcrs fb quc prcstf cbgjhcr` y gjscfr bf `dcrtf n`ocrnjfb gchtr` gc b`s bojtcs djkfg`s p`r cb bcejsbfg`r, pcr`tfoijh bc n`rrcsp`hgc n`ouhjnfr gc d`rof nbfrf, n`oprchsjibc y gcstfnfgf bf `dcrtf.

    Djhfbochtc gcico`s gc gcstfnfr, quc gjna` Fut` fnbfrf quc cb acna` gc quccvchtufbochtc bf nbusubf afyf rcsubtfg` ichcdjnj`sf pfrf cb n`hsuojg`r gurfhtc uhpcrj`g` gc tjcop` h` bf n`hvjcrtc ch trfhspfrchtc hj afnc gcscspcrfr cb gcscqujbjirj`ch n`htrf gc b`s jhtcrcscs gcb n`hsuojg`r, yf quc, n`o` aco`s jhgjnfg` bf nbusubftjchc p`r djhfbjgfg cxnbusjvf pr`tcecr b`s jhtcrcscs gc bf prcstfojstf drchtc f bfs ifkfgfsgcb hgjnc gc rcdcrchnjf.

    >4 [email protected]. ho. 54 gcb 91 gc ofrz` gc 9=67.

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    WDE-DJN@. Nbusubfs fiusjvfs ch bf n`htrftfnjh ifhnfrjf

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    Ch cstf jofech, p`gco`s fprcnjfr fqucbbfs njugfgcs ch bf quc b`s fut`s cojtjg`sp`r bfs Fugjchnjfs pr`vjhnjfbcs f nfusf gc bfs nbusubfs sucb`, n`hncgch ` h`rctr`fntjvjgfg.

    Djeurf 7.7. Fugjchnjfs pr`vjhnjfbcs f dfv`r y ch n`htrf gc bf rctr`fntjvjgfg.Duchtc;attp;//www.cbouhg`.cs/cn`h`ojf/9=67/69/64/371cf5c=941c>c=15c1i734c.atob

    7.9.>. Kurjsprugchnjf p`stcrj`r f bf schtchnjf gcb Wrjiuhfb ^uprco` gc : gc Ofy`gc 9=6>.

    Gcspus gc cstfibcncr bf ^chtchnjf gcb Wrjiuhfb ^uprco` gc : gc Ofy` gc 9=6>, n`o`fiusjvfs bfs nbusubfs sucb` gc IITF, HNE Ifhn` y Nfkfs Yurfbcs gcijg` f su dfbtfgc trfhspfrchnjf. Jeufbochtc, b`s n`hsuojg`rcs gcich scr jhd`rofg`s "gc d`rof nbfrfy gcstfnfgf", sjh quc bfs nbusubfs pucgfh pfsfr jhfgvcrtjgfs fb n`hsuojg`r chtrc `trfspr`pjfs gc uh n`htrft` tfh n`opbck`.

    ]`r cbb`, s`h huocr`sfs bfs schtchnjfs quc fhubfh cstc tjp` gc nbusubfs, ckcopb`gc cbb` s`h bfs quc cxp`hco`s sceujgfochtc;

    ^chtchnjf H :/9=67 gcb Kuzefg` gc b` Ocrnfhtjb hocr` 6 gc ^cvjbbf, f 64 gc chcr`gc 9=67 (YK 4/9=67), n`htrf Nfjxfifhl ^.F., af gcnbfrfg` bf hubjgfg gc uhf nbusubfsucb` y af fn`rgfg` quc bf chtjgfg ifhnfrjf prcstfojstf gcvucbvf f uh nbjchtc bfsnfhtjgfgcs jhgcijgfochtc n`irfgfs ch vjrtug gc bf nbusubf quc fa`rf sc fhubf.

    Ckcrnjtf bf fnt`rf uhf (...) n`h efrfhtf ajp`tcnfrjf f tjp` gc jhtcrs vfrjfibc p`r bf

    quc sc cstfibcnc uh bojtc ohjo` ` "sucb` " gcb 7.3=% f bf vfrjfijbjgfg gcb tjp` f pfefrp`r b`s prcstftfrj`s. Af gc gcnjrsc quc kuht` f bf nbusubf sucb` afy tfoijh uh tjp`oxjo` ` "tcna`" gc uh 63%. Chtjchgc bf fnt`rf quc gjnaf hubjgfg gcrjvf; f) tfht` p`rprcschtfr uh nfrntcr nbfrfochtc fiusjv`, p`r scr n`htrfrjf f bf iuchf dc y nfusfr chpcrkujnj` gc b`s n`hsuojg`rcs uh gcscqujbjirj` jop`rtfhtc ch b`s gcrcna`s y ibjefnj hcsgc bfs pfrtcs gcrjvfg`s gcb n`htrft`, n`o` p`r su dfbtf gc trfhspfrchnjf.

    Drchtc f cbb`, bf chtjgfg fbce quc sc trftf gc uhf n`hgjnjh echcrfb gc bf n`htrftfnjhy sc pus` f quc bf ojsof scf "fiusjvf"y "h` trfhspfrchtc",rcnafzfhg` gc cstc o`g`bf gcv`bunjh gc bfs nfhtjgfgcs rcnbfofgfs p`r cb fdcntfg`.

    Cb kucz chtjchgc quc bf g`nuochtfnjh fp`rtfgf p`r bf djhfhnjcrf "...h` prucif qucbf nbusubf afyf sjg` hce`njfgf y h` jopucstf, pucs cs prntjnf afijtufb quc cb ifhn`

    pfsc f bf djrof gjna` g`nuocht` n`o` rcqujsjt` hcncsfrj` pfrf bf n`hncsjh gcbprstfo`...".

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    WDE-DJN@. Nbusubfs fiusjvfs ch bf n`htrftfnjh ifhnfrjf

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    Gc jeufb ofhcrf, cb kucz suirfyf quc bf gcofhgfgf "...tchf ch su ofh` aficrfp`rtfg` prucif fnrcgjtftjvf gc quc bf nbusubf n`htr`vcrtjgf duc hce`njfgf, pcr` h` b`af acna`, p`r b` quc gcic cstjofrsc quc cstfo`s fhtc uhf n`hgjnjh echcrfb gc bfn`htrftfnjh..."

    Bf Fugjchnjf ]r`vjhnjfb gc Kfh af gjntfg` uhf ^chtchnjf gc dcnaf 95 gc ofrz` gc9=67 (YK 9::/9=67), n`htrf Nfkf Echcrfb gc Erfhfgf (Ifhn` Ofrc H`struo ^.F.), bf

    nufb gcnbfrf n`hd`roc f gcrcna` quc uhf vcz gcnbfrfgf bf hubjgfg gc bf nbusubf sucb`,n`htchjgf ch uh n`htrft` gc prstfo` ajp`tcnfrj`, pr`ncgc bf n`hgchf f bf chtjgfgdjhfhnjcrf gcofhgfgf f bf gcv`bunjh fb prcstftfrj` gc bfs nfhtjgfgcs fi`hfgfs gc osn`o` n`hscnuchnjf gc bf fpbjnfnjh gc bf ojsof, fs n`o` f bf gcv`bunjh gc t`gfs bfsgcos nfhtjgfgcs quc fqub afyf pfefg` gc os p`r bf fpbjnfnjh gc bfs rcdcrjgfsnbusubfs sucb`, os sus jhtcrcscs bcefbcs. ]`r cbb`;

    ...b` quc sc bc cxjec fb Ifhn` cs quc fnrcgjtc quc bf nbusubf sucb` tcna` jhnbujgf chcb prstfo` ajp`tcnfrj` susnrjt` p`r bf gcofhgfhtc duc n`h`njgf y fncptfgf bjirc yv`buhtfrjfochtc p`r stf fb susnrjijr cb prstfo`, cs gcnjr, quc af nuopbjg` cb gcicr gcjhd`rofnjh y trfhspfrchnjf, pfrf b` nufb af fp`rtfg` prucif g`nuochtfb (csnrjturf yncrtjdjnfg` gc n`hncsjh gcb prstfo`) y tcstjdjnfb (copbcfgf gcb ifhn`) quc af sjg`vfb`rfgf n`o` jhsudjnjchtc p`r cb Ofejstrfg` gc jhstfhnjf, y quc cstf ^fbf n`opfrtc, sjhquc pucgf fncptfrsc cb fbceft` echrjn` gcb fpcbfhtc gc quc sc bc cst cxjejchg` uhfprucif gjfibjnf, gfgf bf ofy`r dfnjbjgfg pr`ift`rjf gc bf chtjgfg (965.5 BCN)...

    ]`r `tr` bfg`, Cb Kuzefg` gc b` Ocrnfhtjb H > gc @vjcg`, n`h scgc ch Ejkh, f 69 gch`vjcoirc gc 9=67 (YK 66=/9=67), af fhubfg` bf nbusubf sucb` gc uh prstfo`ajp`tcnfrj` n`htrftfg` ch fe`st` gc 9==3 `ibjefhg` f bf chtjgfg Ifhn` ]`pubfrCspf`b, ^.F., f bf gcv`bunjh gc bfs nfhtjgfgcs jhgcijgfochtc n`irfgfs n`h nfrntcrrctr`fntjv` os b`s jhtcrcscs.

    Cb gcofhgfhtc, jhtcrpus` uhf gcofhgf ch bf quc sc pcgf bf hubjgfg gc cstfnbusubf sucb`, djkfgf ch uh > p`r njcht`. Cb prstfo` n`htrftfg` sc rcef p`r cb Curji`ros uh gjdcrchnjfb gc 6,93 puht`s.

    c n`hgchc f bf chtjgfg gcofhgfgf f cbjojhfr gjnaf n`hgjnjh echcrfb gc bfn`htrftfnjh gcb n`htrft` gc prstfo` ajp`tcnfrj` d`rofbjzfg` chtrc b`s fnt`rcs y bfchtjgfg gcofhgfgf...

    ^c n`hgchc f bf chtjgfg gcofhgfgf f rcjhtcerfr f b`s fnt`rcs bf nfhtjgfg (...),n`irfgf gc os f bf dcnaf gc prcschtfnjh gc bf gcofhgf p`r fpbjnfnjh gc bf nbusubfsucb`, n`h b`s jhtcrcscs bcefbcs gcsgc bf dcnaf gc n`ir`

    Ch gjnaf schtchnjf sc scfbf quc cstf nbusubf h` duc hce`njfgf jhgjvjgufbochtcp`r cb gcofhgfhtc, n`o` tfop`n` bc duc chtrcefgf bf prcncptjvf `dcrtf vjhnubfhtc n`hbfs n`hgjnj`hcs djhfhnjcrfs.

    @trf ^chtchnjf f bf quc afrco`s rcdcrchnjf, cs bf cstfibcnjgf p`r cb Kuzefg` gc

    ]rjocrf Jhstfhnjf h 7 gc @urchsc, n`h dcnaf 9= gc ofy` gc 9=67 (YK >>7/9=63), n`htrfIfhn` ]fst`r ^.F., bf nufb cstfibcnc;

    ... bfs pfrtcs fnucrgfh quc, f cdcnt`s `ibjefnj`hfbcs, cb tjp` rcsubtfhtc gc bf rcvjsjhgc jhtcrs fpbjnfibc, scf cstc cb `rgjhfrj` ` cb sustjtutjv`, h` p`gr scr jhdcrj`r fb >'53%h`ojhfb hj supcrj`r fb 69'3=% h`ojhfb fhufb, tchjhg`bf p`r h` pucstf.

    ^c n`hgchf f bf chtjgfg djhfhnjcrf gcofhgfgf f pfsfr p`r cstf gcnbfrfnjhpr`ncgjchg` f cbjojhfrbf gcb n`htrft` susnrjt` chtrc cb fnt`r y bf gcofhgfgf.

    ^c n`hgchf f bf chtjgfg gcofhgfgf f rcnfbnubfr y rcafncr, cxnbuychg` bf nbusubfsucb`, b`s nufgr`s gc fo`rtjzfnjh gcb prstfo` ajp`tcnfrj` f jhtcrs vfrjfibc susnrjt`chtrc bfs pfrtcs.

    N`h n`hgchf ch n`stfs f bf pfrtc gcofhgfgf.

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    Shf ^chtchnjf rcnjchtc cs bf quc af tchjg` buefr ch cb Kuzefg` gc b` Ocrnfhtjb gc^ce`vjf, n`h dcnaf 99 gc Chcr` gc 9=63 (YK 4:/9=63), rcnurs` hocr` 59/9=63, n`htrfIfhljf, ^.F., ch bf quc sc cstjof b` sjeujchtc;

    Gcnbfr` bf hubjgfg gc bf sjeujchtc n`hgjnjh echcrfb gc bf n`htrftfnjh jhnbujgf chbfs sjeujchtcs `pcrfnj`hcs djhfhnjcrfs;

    Ch bf nbusubf Wcrncrf Ijs "Wjp` gc Jhtcrs vfrjfibc", fpfrtfg` 7 gc bf Csnrjturf sc

    scfbf b` sjeujchtc; "H` `istfhtc, ch t`g` nfs`, sc pfntf uh tjp` gc jhtcrs ohjo`fpbjnfibc fb prstfo` ch b`s "pcr`g`s gc jhtcrs" sjeujchtcs fb jhjnjfb gcb >,93=%h`ojhfb fhufb, gc d`rof quc, sj gcb pr`ncgjojcht` gc rcvjsjh gcsnrjt` ch b`s fpfrtfg`sfhtcrj`rcs pfrf uh "pcr`g` gc jhtcrs gctcrojhfg`" rcsubtfr uh tjp` gc jhtcrs h`ojhfbjhdcrj`r fb ohjo` pfntfg` fhtcrj`rochtc, sc fpbjnfr ch su buefr cstc tjp` ohjo`gurfhtc gjna` pcr`g` gc jhtcrs" (...)

    N`hgch` f bf chtjgfg djhfhnjcrf gcofhgfgf f cbjojhfr gjnaf n`hgjnjh echcrfb gc bfn`htrftfnjh gc bfs ochnj`hfgfs csnrjturfs gc n`htrft` gc prstfo` ajp`tcnfrj`.

    N`hgch` f bf chtjgfg f bf gcv`bunjh gc bfs nfhtjgfgcs quc sc auijcrfh n`irfg` chvjrtug gc bfs n`hgjnj`hcs gcnbfrfgfs hubfs, f gctcrojhfr ch ckcnunjh gc schtchnjf.

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    -94-

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    WDE-DJN@. Nbusubfs fiusjvfs ch bf n`htrftfnjh ifhnfrjf

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    NF]WSB@ 3

    NBS^SBF GC BJVSJGFNJH SHJBFWCYFB GC BF GCSGF

    3.6. GCDJHJNJH NBS^SBF GC BJVSJGFNJH SHJBFWCYFB GC BF GCSGF.

    Ocgjfhtc cb pfnt` ` nbusubf gc bjqujgcz uhjbftcrfb gc bf gcugf, bf chtjgfg djhfhnjcrf scftrjiuyc bf dfnubtfg gc gctcrojhfr bf nufhtf gc bf gcugf p`r bf nufb sc jhjnjf cbpr`ncgjojcht` ckcnutjv`. Gjna` trojtc cs pr`ncsfb, pugjhg b` rcfbjzfr uh h`tfrj`.

    ]frf cb p`stcrj`r fhbjsjs quc pr`ncgcrco`s f rcfbjzfr, gcico`s gc rcsfbtfrn`hkuhtfochtc b`s frtnub`s 35> gc bf BCN y 961 gcb Gcnrct` 9 kuhj` 6:77, p`r cb quc scfprucif n`h nfrntcr gcdjhjtjv` cb Ycebfocht` gc bf `refhjzfnjh y rejoch gcbH`tfrjfg >5, yf quc s`h b`s quc n`htjchch b`s rcqujsjt`s pfrf quc p`gfo`s n`hsjgcrfrquc bfs `pcrfnj`hcs quc pcrojtc bf nbusubf gc bjqujgfnjh uhjbftcrfb gc bf gcugf, sc afgcsfrr`bbfg` gc ofhcrf fgcnufgf.

    3.9. OFYN@ H@YOFWJT@.

    ^ceh cb frtnub` 359.9 gc BCN, gjsp`hc quc Wfoijh p`gr gcspfnafrsc ckcnunjhp`r cb jop`rtc gcb sfbg` rcsubtfhtc gc `pcrfnj hcs gcrjvfgfs gc n`htrft`s d`rofbjzfg`sch csnrjturf pibjnf ` ch pbjzf jhtcrvchjgf p`r n`rrcg`r gc n`ocrnj` n`bcejfg`, sjcoprcquc sc afyf pfntfg` ch cb ttub` quc bf nfhtjgfg cxjejibc ch nfs` gc ckcnunjh scr gcbf rcsubtfhtc gc bf bjqujgfnjh cdcntufgf p`r cb fnrccg`r ch bf d`rof n`hvchjgf p`r bfspfrtcs ch cb pr`pj` ttub` ckcnutjv`.. Cs gcnjr, n`hsjstc ch bjqujgfr bf gcugf p`r pfrtc gcbifhn` ch nfs` gc rcnbfofnjh kugjnjfb gc bf ojsof, sjh quc cb nbjchtc pucgf `p`hcrsc fgjna`s nbnub`s.

    Gc jeufb ofhcrf, gcico`s gc afncr rcdcrchnjf fb frtnub` 961 gcb Ycebfocht`

    H`tfrjfb quc prcv quc Nufhg` pfrf gcspfnafr ckcnunjh p`r cb jop`rtc gcb sfbg`rcsubtfhtc gc bfs `pcrfnj`hcs gcrjvfgfs gc n`htrft`s d`rofbjzfg`s ch csnrjturf pibjnf` ch pbjzf jhtcrvchjgf, n`hd`roc fb frtnub` 359.9 gc bf Bcy gc Chkujnjfojcht` Njvjb, scfhcncsfrj` fn`opffr f bf gcofhgf ckcnutjvf, fgcos gcb ttub` ckcnutjv` cb g`nuocht`dcafnjchtc quc fnrcgjtc aficrsc prfntjnfg` bf bjqujgfnjh ch bf d`rof pfntfgf p`r bfspfrtcs ch gjna` ttub`, tfb n`o` sc cstfibcnc cb frtnub` 35>.6.9. gc bf Bcy gcChkujnjfojcht` Njvjb, cb h`tfrj` b` afr n`hstfr ocgjfhtc g`nuocht` dcafnjchtc ch cb qucsc cxprcsc bf bjqujgfnjh, quc sc rcejr p`r bfs h`rofs echcrfbcs y cspcnjfbochtc, p`rbfs sjeujchtcs Cb h`tfrj` gcicr gc n`opr`ifr, quc ch cb tjtub` ckcnutjv` bfs pfrtcs fn`rgfr`hcopbcfr cb pr`ncgjojcht` cstfibcnjg` ch cb frtnub` 359.9 gc bf Bcy gc Chkujnjfojcht`Njvjb pfrf djkfr bf nufhtf bjqujgf gc bf gcugf.

    7 N`h b`s g`nuocht`s n`htfibcs prcschtfg`s cb h`tfrj` n`opr`ifrf sj bf bjqujgfnjhsc af prfntjnfg`, f su kujnj`, ch bf d`rof pfntfgf p`r bfs pfrtcs ch cb tjtub` ckcnutjv`.

    3.>. FHBJ^J^ GC ^S N@HWCHJG@.

    >5 [email protected]. ho. 61: gc =5 gc kubj` gc 6:77.

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    ^ceujgfochtc, cxpbjnfrco`s os gctchjgfochtc b` n`ochtfg` ch cb prjocr fpfrtfg`,cb nufb afnf rcdcrchnjf f b`s rcqujsjt`s hcncsfrj`s pfrf n`hsjgcrfr f gjnaf nbusubfn`o` bjqujgfnjh uhjbftcrfb gc bf gcugf;

    G`nuocht` ` g`nuocht`s cxprcsjv`s gcb sfbg` rcsubtfhtc gc bf bjqujgfnjh cdcntufgfp`r cb fnrccg`r.

    Ycspcnt` f cstc g`nuocht`, jhgjnfr quc cs cbfi`rfg` p`r cb fnrccg`r, cb nufb af gcfkustfrsc f b` pfntfg` y rcqujcrc bf oxjof nbfrjgfg, p`rquc cb kujnj` gcb dcgftfrj` af gcvcrsfr s`irc cb fkustc gc bf bjqujgfnjh f b` pfntfg`. ^jh coifre`, pucgc pr`gunjrsc uhcrr`r ch bf bjqujgfnjh, b` quc pucgc gfr buefr f bfs nfusfs gc jbjqujgcz p`r h` aficrsccdcntufg` fqubbf n`h frrceb` fb pfnt` gc bjqujgcz.

    ]`r tfht`, n`hd`roc gjsp`hc cb frtnub` 961 gcb Ycejstr` H`tfrjfb, cb fnrccg`r gcicrgc prfntjnfr rcqucrjojcht` fb h`tfrj` gc rcfbjzfnjh gc bf jhtcrvchnjh gc bf bjqujgfnjhuhjbftcrfb, prcvjfochtc rcfbjzfgf p`r bf chtjgfg gc nrgjt`, quc p`gr cdcntufr f trfvsgc nfrtf gjrjejgf fb h`tfrj`, qujch bcejtjofr bf djrof gcb rcojtchtc. Fsjojso , bf chtjgfgfnrccg`rf chtrcefr ` rcojtjr fb h`tfrj` cb ttub` n`h cdcnt`s ckcnutjv`s gc bf csnrjturfpibjnf, ` ch su nfs`, tcstjo`hj` h`tfrjfb gc gjna`s g`nuocht`s.

    Cxtrfnt` gc bfs pfrtjgfs gc nfre` y fi`h` y bfs n`rrcsp`hgjchtcs f bf fpbjnfnjh gcb`s jhtcrcscs quc gctcrojhfh cb sfbg` n`hnrct` p`r cb quc sc pjgc cb gcspfna` gcckcnunjh>1.

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  • 7/24/2019 CLUSULAS ABUSIVAS EN LA CONTRATACIN BANCARIA

    35/44

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