{"id":18832,"date":"2024-07-26T09:25:33","date_gmt":"2024-07-26T12:25:33","guid":{"rendered":"https:\/\/victoriaaldia.com\/?p=18832"},"modified":"2024-07-26T09:25:33","modified_gmt":"2024-07-26T12:25:33","slug":"fallo-a-favor-de-deudores-hipotecarios-uva-podria-marcar-jurisprudencia","status":"publish","type":"post","link":"https:\/\/victoriaaldia.com\/?p=18832","title":{"rendered":"Fallo a favor de deudores hipotecarios UVA podr\u00eda marcar jurisprudencia"},"content":{"rendered":"

Acceso a la vivienda<\/h2>\n

La Justicia de Misiones elimin\u00f3 la cl\u00e1usula de ajuste UVA como indicador de actualizaci\u00f3n de un cr\u00e9dito hipotecario, retrotraer la deuda al inicio del contrato y orden\u00f3 aplicar el coeficiente Casa Propia como \u00edndice de actualizaci\u00f3n.<\/p>\n

En un fallo sin precedentes, la justicia de Misiones se manifest\u00f3 a favor de una familia hipotecada por deuda actualizable por \u00edndice UVA y marcar\u00eda jurisprudencia contra esta pol\u00edtica de acceso a la vivienda.<\/p>\n

La C\u00e1mara Federal de Posadas ratific\u00f3 el fallo del Juez federal de la misma ciudad, Jos\u00e9 Luis Casals, en la demanda de revisi\u00f3n contractual contra el Banco de La Naci\u00f3n Argentina y decidi\u00f3 eliminar la cl\u00e1usula de ajuste UVA como indicador de actualizaci\u00f3n de un cr\u00e9dito hipotecario, retrotraer la deuda al inicio del contrato y orden\u00f3 aplicar el coeficiente Casa Propia como \u00edndice de actualizaci\u00f3n.<\/p>\n

El fallo se\u00f1ala como fundamentos de su posici\u00f3n los siguientes:<\/b><\/p>\n

– El resguardo del Art. 14 bis de la Carta Magna, Y de los pactos internacionales que protegen la vivienda como derecho humano.<\/p>\n

– La tutela establecida en el Art. 42 de la constituci\u00f3n nacional y la ley de defensa del consumidor.<\/p>\n

– Aplica la Teor\u00eda del Esfuerzo Compartido establecida por la Corte Suprema de Justicia y la Ley 27541.<\/p>\n

– Establece que existe un desequilibrio contractual entre la parte m\u00e1s d\u00e9bil (tomadores de cr\u00e9dito) y los bancos, de manera objetiva, sin considerar la relaci\u00f3n cuota-ingreso.<\/p>\n

– Establece que los efectos nocivos de la inflaci\u00f3n deben distribuirse equitativamente entre las partes.<\/p>\n

En base a todo ello, establece la nulidad del sistema UVA de manera retroactiva a la \u00e9poca de celebraci\u00f3n del contrato y lo reemplaza por la f\u00f3rmula Casa Propia.<\/p>\n

Casa Propia es la misma f\u00f3rmula que se aplica en los cr\u00e9ditos Procrear que otorga el Banco Hipotecario. Incorpora el Coeficiente de Variaci\u00f3n Salarial en un 90%. Toma el promedio de los \u00faltimos doce meses y no la variaci\u00f3n de un \u00fanico mes, con lo cual evita subas desmedidas. Fuente: El Once<\/p>\n

\"\"<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Acceso a la vivienda La Justicia de Misiones elimin\u00f3 la cl\u00e1usula de ajuste UVA como indicador de actualizaci\u00f3n de un cr\u00e9dito hipotecario, retrotraer la deuda al inicio del contrato y orden\u00f3 aplicar el coeficiente Casa Propia como \u00edndice de actualizaci\u00f3n….<\/p>\n","protected":false},"author":3,"featured_media":18833,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[19,4,3],"tags":[],"class_list":["post-18832","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economia","category-nacionales","category-noticias"],"yoast_head":"\nFallo a favor de deudores hipotecarios UVA podr\u00eda marcar jurisprudencia - Victoria Al D\u00eda<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"http:\/\/victoriaaldia.com\/?p=18832\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Fallo a favor de deudores hipotecarios UVA podr\u00eda marcar jurisprudencia - 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