{"id":3610,"date":"2026-03-13T12:37:44","date_gmt":"2026-03-13T11:37:44","guid":{"rendered":"https:\/\/v3.pellicerheredia.com\/gespecialiseerde-advocaten-in-irph-bankclaims\/"},"modified":"2026-03-26T11:14:23","modified_gmt":"2026-03-26T10:14:23","slug":"bankclaims-van-irph","status":"publish","type":"page","link":"https:\/\/v3.pellicerheredia.com\/nl\/bankclaims-van-irph\/","title":{"rendered":"Gespecialiseerde advocaten in IRPH-bankclaims"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"3610\" class=\"elementor elementor-3610 elementor-2446\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-49a75d5 e-flex e-con-boxed e-con e-parent\" data-id=\"49a75d5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2905d60 e-flex e-con-boxed e-con e-parent\" data-id=\"2905d60\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e483702 elementor-widget elementor-widget-heading\" data-id=\"e483702\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Gespecialiseerde advocaten in IRPH-bankclaims<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b12d0f3 elementor-widget elementor-widget-heading\" data-id=\"b12d0f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">IRPH-bankclaims in Spanje<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d7d4d5f elementor-widget elementor-widget-text-editor\" data-id=\"d7d4d5f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>In veel gevallen werd de IRPH-clausule in hypotheekovereenkomsten opgenomen <strong>zonder voldoende transparantie<\/strong>, wat betekent dat klanten niet naar behoren werden ge\u00efnformeerd over de werking van de index of de financi\u00eble gevolgen die dit in de toekomst zou kunnen hebben.<\/p><p>Bij <strong>Pellicer &amp; Heredia<\/strong> bieden wij juridische bijstand aan cli\u00ebnten die getroffen zijn door de IRPH-clausule. Wij helpen hen bij het aanvechten van onredelijke hypotheekvoorwaarden en het terugvorderen van het geld dat zij mogelijk te veel hebben betaald.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cc4e36b elementor-widget elementor-widget-image\" data-id=\"cc4e36b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"795\" height=\"1080\" src=\"https:\/\/v3.pellicerheredia.com\/wp-content\/uploads\/esp.png\" class=\"attachment-full size-full wp-image-716\" alt=\"\" srcset=\"https:\/\/v3.pellicerheredia.com\/wp-content\/uploads\/esp.png 795w, https:\/\/v3.pellicerheredia.com\/wp-content\/uploads\/esp-221x300.png 221w, https:\/\/v3.pellicerheredia.com\/wp-content\/uploads\/esp-754x1024.png 754w, https:\/\/v3.pellicerheredia.com\/wp-content\/uploads\/esp-768x1043.png 768w\" sizes=\"(max-width: 795px) 100vw, 795px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-85f3a98 e-flex e-con-boxed e-con e-parent\" data-id=\"85f3a98\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7fad6e4 elementor-widget elementor-widget-heading\" data-id=\"7fad6e4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Heeft u juridische bijstand nodig om de IRPH-clausule in uw hypotheek in Spanje aan te vechten?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c4a603 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"3c4a603\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Bij Pellicer &amp; Heredia bieden wij deskundig juridisch advies aan cli\u00ebnten die getroffen zijn door de IRPH-clausule in hun hypotheek. Ons team beoordeelt uw hypotheekakte, analyseert de door de bank toegepaste rente en evalueert of de clausule als onredelijk kan worden beschouwd. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-229bc0d elementor-button-align-start elementor-widget__width-initial elementor-widget elementor-widget-global elementor-global-295 elementor-widget-form\" data-id=\"229bc0d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;step_next_label&quot;:&quot;Siguiente&quot;,&quot;step_previous_label&quot;:&quot;Anterior&quot;,&quot;button_width&quot;:&quot;100&quot;,&quot;step_type&quot;:&quot;number_text&quot;,&quot;step_icon_shape&quot;:&quot;circle&quot;}\" data-widget_type=\"form.default\">\n\t\t\t\t\t\t\t<form class=\"elementor-form\" method=\"post\" name=\"Nuevo formulario\" aria-label=\"Nuevo formulario\">\n\t\t\t<input type=\"hidden\" name=\"post_id\" value=\"3610\"\/>\n\t\t\t<input type=\"hidden\" name=\"form_id\" value=\"229bc0d\"\/>\n\t\t\t<input type=\"hidden\" name=\"referer_title\" value=\"\" \/>\n\n\t\t\t\n\t\t\t<div class=\"elementor-form-fields-wrapper elementor-labels-\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-name elementor-col-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-name\" class=\"elementor-field-label elementor-screen-only\">\n\t\t\t\t\t\t\t\tNombre\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[name]\" id=\"form-field-name\" class=\"elementor-field elementor-size-lg  elementor-field-textual\" placeholder=\"Nombre\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-email elementor-field-group elementor-column elementor-field-group-email elementor-col-60 elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-email\" class=\"elementor-field-label elementor-screen-only\">\n\t\t\t\t\t\t\t\tCorreo electr\u00f3nico\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"email\" name=\"form_fields[email]\" id=\"form-field-email\" class=\"elementor-field elementor-size-lg  elementor-field-textual\" placeholder=\"Correo electr\u00f3nico\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-tel elementor-field-group elementor-column elementor-field-group-phone elementor-col-40 elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-phone\" class=\"elementor-field-label elementor-screen-only\">\n\t\t\t\t\t\t\t\tTel\u00e9fono\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t<input size=\"1\" type=\"tel\" name=\"form_fields[phone]\" id=\"form-field-phone\" class=\"elementor-field elementor-size-lg  elementor-field-textual\" placeholder=\"Tel\u00e9fono\" required=\"required\" pattern=\"[0-9()#&amp;+*-=.]+\" title=\"Alleen nummers en telefoontekens (#, -, *, enz.) worden geaccepteerd.\">\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-html elementor-field-group elementor-column elementor-field-group-field_1dfde64 elementor-col-40\">\n\t\t\t\t\t\u00bfEn qu\u00e9 pa\u00eds reside actualmente?\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-html elementor-field-group elementor-column elementor-field-group-field_7a7d31e elementor-col-40\">\n\t\t\t\t\t\u00bfEn qu\u00e9 pa\u00eds reside actualmente?\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-country elementor-col-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-country\" class=\"elementor-field-label elementor-screen-only\">\n\t\t\t\t\t\t\t\tPa\u00eds\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[country]\" id=\"form-field-country\" class=\"elementor-field elementor-size-lg  elementor-field-textual\" placeholder=\"Pa\u00eds\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-acceptance elementor-field-group elementor-column elementor-field-group-privacy elementor-col-100 elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-privacy\" class=\"elementor-field-label elementor-screen-only\">\n\t\t\t\t\t\t\t\tPrivacidad\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-subgroup\">\n\t\t\t<span class=\"elementor-field-option\">\n\t\t\t\t<input type=\"checkbox\" name=\"form_fields[privacy]\" id=\"form-field-privacy\" class=\"elementor-field elementor-size-lg  elementor-acceptance-field\" required=\"required\">\n\t\t\t\t<label for=\"form-field-privacy\">Confirmo que he le\u00eddo y acepto la <a href=\"\/politica-de-privacidad\" style=\"color: #A70D53;\"><u>Pol\u00edtica de privacidad<\/u><\/a>.<\/label>\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-hidden elementor-field-group elementor-column elementor-field-group-fuente elementor-col-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"hidden\" name=\"form_fields[fuente]\" id=\"form-field-fuente\" class=\"elementor-field elementor-size-lg  elementor-field-textual\" value=\"WEB\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-hidden elementor-field-group elementor-column elementor-field-group-interes elementor-col-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"hidden\" name=\"form_fields[interes]\" id=\"form-field-interes\" class=\"elementor-field elementor-size-lg  elementor-field-textual\" value=\"Gespecialiseerde advocaten in IRPH-bankclaims\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-group elementor-column elementor-field-type-submit elementor-col-100 e-form__buttons\">\n\t\t\t\t\t<button class=\"elementor-button elementor-size-md\" type=\"submit\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Enviar<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/form>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4efdacf e-flex e-con-boxed e-con e-parent\" data-id=\"4efdacf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-507302b elementor-position-inline-start elementor-view-stacked elementor-shape-circle elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"507302b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path fill=\"currentColor\" d=\"M11 18h2v-2h-2zm1-16A10 10 0 0 0 2 12a10 10 0 0 0 10 10a10 10 0 0 0 10-10A10 10 0 0 0 12 2m0 18c-4.41 0-8-3.59-8-8s3.59-8 8-8s8 3.59 8 8s-3.59 8-8 8m0-14a4 4 0 0 0-4 4h2a2 2 0 0 1 2-2a2 2 0 0 1 2 2c0 2-3 1.75-3 5h2c0-2.25 3-2.5 3-5a4 4 0 0 0-4-4\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tWat is de IRPH en waarom kan deze onredelijk zijn?\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tDe IRPH is een referentie-index voor hypotheken die wordt berekend op basis van de gemiddelde rentetarieven die door financi\u00eble instellingen worden toegepast. Omdat banken zelf invloed hebben op de gegevens die worden gebruikt om de index te berekenen, is er vaak kritiek geweest op het gebrek aan transparantie.\nVergeleken met de Euribor, die in de loop der jaren aanzienlijk is gedaald, is de IRPH constant hoger gebleven. Als gevolg hiervan hebben veel hypotheekhouders jarenlang hogere maandlasten betaald, wat aanzienlijk financieel voordeel voor de banken heeft opgeleverd.\nDeze situatie heeft geleid tot talrijke juridische geschillen, waarbij rechtbanken steeds vaker onderzoeken of de IRPH-clausule naar behoren aan consumenten is uitgelegd voordat de hypotheekovereenkomst werd ondertekend.  \n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6914358 elementor-position-inline-start elementor-view-stacked elementor-shape-circle elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"6914358\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path fill=\"currentColor\" d=\"M9 19v-2h12v2zm0-6v-2h12v2zm0-6V5h12v2zM5 20q-.825 0-1.412-.587T3 18t.588-1.412T5 16t1.413.588T7 18t-.587 1.413T5 20m0-6q-.825 0-1.412-.587T3 12t.588-1.412T5 10t1.413.588T7 12t-.587 1.413T5 14M3.588 7.413Q3 6.825 3 6t.588-1.412T5 4t1.413.588T7 6t-.587 1.413T5 8t-1.412-.587\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tHoeveel soorten IRPH bestaan er?\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tEr zijn 3 soorten IRPH die u in uw akten kunt terugvinden:\n\u2022 IRPH Entiteiten\n\u2022 IRPH Banken\n\u2022 IRPH Spaarbanken\nVanaf 1 november 2013 zijn de IRPH banken en spaarbanken verdwenen vanwege misbruik, wat betekent dat momenteel alleen de IRPH entiteiten van kracht blijft. De drie zijn even nadelig, en vaak waar de referentie IRPH banken of spaarbanken van toepassing was, werden deze direct vervangen door entiteiten, zonder voorafgaande informatie aan de klant. \t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-df23dff e-flex e-con-boxed e-con e-parent\" data-id=\"df23dff\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-949c96e elementor-widget elementor-widget-heading\" data-id=\"949c96e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Kunt u een claim indienen en uw geld terugkrijgen?<\/h3>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b1c2a7f e-grid e-con-full e-con e-child\" data-id=\"b1c2a7f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-a814a17 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"a814a17\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInDown&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-fb00653 e-con-full e-flex e-con e-child\" data-id=\"fb00653\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-93c7405 elementor-view-stacked elementor-shape-circle elementor-widget elementor-widget-icon\" data-id=\"93c7405\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path fill=\"currentColor\" d=\"M10 16q2.5 0 4.25-1.75T16 10t-1.75-4.25T10 4T5.75 5.75T4 10t1.75 4.25T10 16m-1.05-2.45l5.65-5.675l-1.425-1.425L8.95 10.7L6.825 8.6L5.4 10zM10 18q-3.35 0-5.675-2.325T2 10t2.325-5.675T10 2t5.675 2.325T18 10q0 1.4-.437 2.638T16.325 14.9L22 20.6L20.6 22l-5.7-5.675q-1.025.8-2.262 1.238T10 18m0-8\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-360aa5c elementor-widget elementor-widget-heading\" data-id=\"360aa5c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Beoordeling van de hypotheekakte en financi\u00eble documentatie<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5ded1e4 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"5ded1e4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInDown&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-cd26949 e-con-full e-flex e-con e-child\" data-id=\"cd26949\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-492dea6 elementor-view-stacked elementor-shape-circle elementor-widget elementor-widget-icon\" data-id=\"492dea6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path fill=\"currentColor\" d=\"M8 18h1.5v-2h2v-1.5h-2v-2H8v2H6V16h2zm5-.75h5v-1.5h-5zm0-2.5h5v-1.5h-5zM6.25 9.2h5V7.7h-5zM3 21V3h18v18zm2-2h14V5H5zm0 0V5zm9.1-8.05l1.4-1.4l1.4 1.4l1.05-1.05l-1.4-1.45l1.4-1.4L16.9 6l-1.4 1.4L14.1 6l-1.05 1.05l1.4 1.4l-1.4 1.45z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-caf9e3d elementor-widget elementor-widget-heading\" data-id=\"caf9e3d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Berekening van het bedrag aan te veel betaalde rente<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1950272 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"1950272\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInDown&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-0d9b203 e-con-full e-flex e-con e-child\" data-id=\"0d9b203\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-858d79f elementor-view-stacked elementor-shape-circle elementor-widget elementor-widget-icon\" data-id=\"858d79f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path fill=\"currentColor\" d=\"M11 19h2v-4.175l1.6 1.6L16 15l-4-4l-4 4l1.425 1.4L11 14.825zm-7 3V2h10l6 6v14zm9-13V4H6v16h12V9zM6 4v5zv16z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-563bd1c elementor-widget elementor-widget-heading\" data-id=\"563bd1c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Indienen van een claim tegen de bank <\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4a64996 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"4a64996\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInDown&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-b5fb86a e-con-full e-flex e-con e-child\" data-id=\"b5fb86a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bb8801d elementor-view-stacked elementor-shape-circle elementor-widget elementor-widget-icon\" data-id=\"bb8801d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path fill=\"currentColor\" d=\"M12.3 8.93L9.88 6.5h5.62V10H17V5H9.88l2.42-2.43l-1.06-1.07L7 5.75L11.24 10zM12 14a3 3 0 1 0 3 3a3 3 0 0 0-3-3m-9-3v12h18V11m-2 8a2 2 0 0 0-2 2H7a2 2 0 0 0-2-2v-4a2 2 0 0 0 2-2h10a2 2 0 0 0 2 2Z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-166f30a elementor-widget elementor-widget-heading\" data-id=\"166f30a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Vorderen van terugbetaling van de teveel betaalde rente<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e767907 e-flex e-con-boxed e-con e-parent\" data-id=\"e767907\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-69225d6 elementor-widget elementor-widget-heading\" data-id=\"69225d6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Wat kunt u bereiken met een IRPH-claim?<\/h3>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2fc4e0d e-grid e-con-full e-con e-child\" data-id=\"2fc4e0d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-6cb0dd7 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"6cb0dd7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInDown&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-a7e8c60 e-con-full e-flex e-con e-child\" data-id=\"a7e8c60\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fe24a90 elementor-view-stacked elementor-shape-circle elementor-widget elementor-widget-icon\" data-id=\"fe24a90\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path fill=\"currentColor\" d=\"M5 3H3v18h18v-2H5z\"><\/path><path fill=\"currentColor\" d=\"M13 12.586L8.707 8.293L7.293 9.707L13 15.414l3-3l4.293 4.293l1.414-1.414L16 9.586z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5417b74 elementor-widget elementor-widget-heading\" data-id=\"5417b74\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Verlaging van uw hypotheeklasten<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-98b7144 elementor-widget elementor-widget-text-editor\" data-id=\"98b7144\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Zodra de IRPH-clausule nietig wordt verklaard, kan de op uw hypotheek toegepaste rente opnieuw worden berekend op basis van Euribor of een andere geschikte referentie-index, wat resulteert in <strong>lagere maandelijkse hypotheeklasten<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1a414df e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"1a414df\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInDown&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-d532c4a e-con-full e-flex e-con e-child\" data-id=\"d532c4a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ba68fa5 elementor-view-stacked elementor-shape-circle elementor-widget elementor-widget-icon\" data-id=\"ba68fa5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path fill=\"currentColor\" d=\"M12.3 8.93L9.88 6.5h5.62V10H17V5H9.88l2.42-2.43l-1.06-1.07L7 5.75L11.24 10zM12 14a3 3 0 1 0 3 3a3 3 0 0 0-3-3m-9-3v12h18V11m-2 8a2 2 0 0 0-2 2H7a2 2 0 0 0-2-2v-4a2 2 0 0 0 2-2h10a2 2 0 0 0 2 2Z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b1e9102 elementor-widget elementor-widget-heading\" data-id=\"b1e9102\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Terugbetaling van te veel betaalde rente<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c2358e elementor-widget elementor-widget-text-editor\" data-id=\"2c2358e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>U kunt ook een <strong>terugbetaling ontvangen voor de te veel betaalde rente sinds de ondertekening van de hypotheek<\/strong>, wat in veel gevallen om een aanzienlijk financieel bedrag gaat.<\/p><p>Zelfs als uw hypotheek al volledig is afgelost, kunt u nog steeds het recht hebben om een claim in te dienen voor de te veel betaalde rente.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5fb3e8e e-flex e-con-boxed e-con e-parent\" data-id=\"5fb3e8e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8d6bc76 elementor-position-inline-start elementor-view-stacked elementor-shape-circle elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"8d6bc76\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path fill=\"currentColor\" d=\"M11 18h2v-2h-2zm1-16A10 10 0 0 0 2 12a10 10 0 0 0 10 10a10 10 0 0 0 10-10A10 10 0 0 0 12 2m0 18c-4.41 0-8-3.59-8-8s3.59-8 8-8s8 3.59 8 8s-3.59 8-8 8m0-14a4 4 0 0 0-4 4h2a2 2 0 0 1 2-2a2 2 0 0 1 2 2c0 2-3 1.75-3 5h2c0-2.25 3-2.5 3-5a4 4 0 0 0-4-4\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tWat levert het indienen van een claim mij op?\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tAllereerst wordt de maandelijkse betaling voor uw hypotheek verlaagd door de annulering van de IRPH. De rentevoet van uw hypotheek zal lager zijn, aangezien u vanaf dat moment gekoppeld bent aan de Euribor, die ver onder de IRPH ligt.\nDaarnaast krijgt u een terugbetaling van het geld dat u al die tijd te veel heeft betaald (vanaf de datum waarop de hypotheekakte werd ondertekend tot de dag van de rentewijziging).\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1b6aa40 elementor-position-inline-start elementor-view-stacked elementor-shape-circle elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"1b6aa40\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path fill=\"currentColor\" d=\"M12 3c-1.27 0-2.4.8-2.82 2H3v2h1.95L2 14c-.47 2 1 3 3.5 3s4.06-1 3.5-3L6.05 7h3.12c.33.85.98 1.5 1.83 1.83V20H2v2h20v-2h-9V8.82c.85-.32 1.5-.97 1.82-1.82h3.13L15 14c-.47 2 1 3 3.5 3s4.06-1 3.5-3l-2.95-7H21V5h-6.17C14.4 3.8 13.27 3 12 3m0 2a1 1 0 0 1 1 1a1 1 0 0 1-1 1a1 1 0 0 1-1-1a1 1 0 0 1 1-1m-6.5 5.25L7 14H4zm13 0L20 14h-3z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tGunstige uitspraak over IRPH\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tEr zijn steeds meer uitspraken in het voordeel van de cli\u00ebnt en tegen de onredelijke IRPH-voorwaarde, waarbij de nietigverklaring van de clausule en de daaropvolgende terugbetaling van de te veel in rekening gebrachte rente wordt opgelegd voor de gehele periode dat de clausule van kracht was.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Gespecialiseerde advocaten in IRPH-bankclaims IRPH-bankclaims in Spanje In veel gevallen werd de IRPH-clausule in hypotheekovereenkomsten opgenomen zonder voldoende transparantie, wat betekent dat klanten niet naar behoren werden ge\u00efnformeerd over de werking van de index of de financi\u00eble gevolgen die dit in de toekomst zou kunnen hebben. Bij Pellicer &amp; Heredia bieden wij juridische bijstand aan [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3609,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-3610","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/v3.pellicerheredia.com\/nl\/wp-json\/wp\/v2\/pages\/3610","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/v3.pellicerheredia.com\/nl\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/v3.pellicerheredia.com\/nl\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/v3.pellicerheredia.com\/nl\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/v3.pellicerheredia.com\/nl\/wp-json\/wp\/v2\/comments?post=3610"}],"version-history":[{"count":1,"href":"https:\/\/v3.pellicerheredia.com\/nl\/wp-json\/wp\/v2\/pages\/3610\/revisions"}],"predecessor-version":[{"id":3614,"href":"https:\/\/v3.pellicerheredia.com\/nl\/wp-json\/wp\/v2\/pages\/3610\/revisions\/3614"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/v3.pellicerheredia.com\/nl\/wp-json\/wp\/v2\/media\/3609"}],"wp:attachment":[{"href":"https:\/\/v3.pellicerheredia.com\/nl\/wp-json\/wp\/v2\/media?parent=3610"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}