{"id":833,"date":"2021-09-23T09:32:20","date_gmt":"2021-09-23T09:32:20","guid":{"rendered":"https:\/\/mamsolicitors.com\/?page_id=833"},"modified":"2022-05-24T15:04:49","modified_gmt":"2022-05-24T15:04:49","slug":"verdiepingsclausule","status":"publish","type":"page","link":"https:\/\/mamsolicitors.com\/nl\/verdiepingsclausule\/","title":{"rendered":"Verdiepingsclausule"},"content":{"rendered":"[vc_row type=&#8221;in_container&#8221; full_screen_row_position=&#8221;middle&#8221; column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; scene_position=&#8221;center&#8221; top_padding=&#8221;3%&#8221; text_color=&#8221;dark&#8221; text_align=&#8221;left&#8221; row_border_radius=&#8221;none&#8221; row_border_radius_applies=&#8221;bg&#8221; overlay_strength=&#8221;0.3&#8243; gradient_direction=&#8221;left_to_right&#8221; shape_divider_position=&#8221;bottom&#8221; bg_image_animation=&#8221;none&#8221; shape_type=&#8221;&#8221;][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; left_margin=&#8221;6%&#8221; right_margin=&#8221;6%&#8221; column_element_spacing=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text css=&#8221;.vc_custom_1646043361337{padding-right: 10% !important;}&#8221;]\n<h2 style=\"text-align: center;\">Terugbetaling van te veel betaalde rente voor de toepassing van de &#8220;bodemrentevoet&#8221; voor hypotheken.<\/h2>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row type=&#8221;in_container&#8221; full_screen_row_position=&#8221;middle&#8221; column_margin=&#8221;30px&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; scene_position=&#8221;center&#8221; bottom_padding=&#8221;3%&#8221; text_color=&#8221;dark&#8221; text_align=&#8221;left&#8221; row_border_radius=&#8221;none&#8221; row_border_radius_applies=&#8221;bg&#8221; overlay_strength=&#8221;0.3&#8243; gradient_direction=&#8221;left_to_right&#8221; shape_divider_position=&#8221;bottom&#8221; bg_image_animation=&#8221;none&#8221; shape_type=&#8221;&#8221;][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_spacing=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/2&#8243; tablet_width_inherit=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text css=&#8221;.vc_custom_1646910349564{padding-right: 10% !important;}&#8221;]Recente vonnissen van het Europese en het Spaanse Hooggerechtshof hebben het mogelijk gemaakt banken te dwingen de<strong> &#8220;bodemclausule&#8221;<\/strong> in hypotheken te schrappen, en de oorspronkelijke rentevoet toe te passen die in de hypotheekakte is overeengekomen.<\/p>\n<p>Dit houdt niet alleen in dat de &#8220;bodemrente&#8221; (die de rentevoet beperkte) wordt geannuleerd en de oorspronkelijke overeengekomen rentevoet wordt toegepast (met de overeenkomstige verlaging van de maandelijkse betalingen), maar ook dat alle bedragen die als gevolg van de toepassing van de bodemclausule te veel zijn <strong>betaald, kunnen worden teruggevorderd<\/strong>. In sommige gevallen gaat het om een aanzienlijk bedrag.<\/p>\n<p>Omdat deze kwestie miljoenen mensen aangaat, heeft de Spaanse regering een decreet goedgekeurd waarbij banken worden aangemoedigd procedures in te stellen om deze kwesties in der minne te schikken.[\/vc_column_text][\/vc_column][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_spacing=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/2&#8243; tablet_width_inherit=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text css=&#8221;.vc_custom_1652968190778{padding-right: 10% !important;}&#8221;]Dit betekent dat sommige banken de annulering van de bodemclausule en de <strong>volledige terugbetaling<\/strong> van alle te veel in rekening gebrachte rente aanvaarden binnen een maximumtermijn van <strong>drie maanden<\/strong> vanaf de indiening van de desbetreffende aanvraag door de cli\u00ebnt.<\/p>\n<p>Indien u ge\u00efnteresseerd bent in het bestuderen van de mogelijkheid om dit verzoek in te dienen en, indien de bank zich verzet, de overeenkomstige gerechtelijke procedure in te leiden, en u hulp nodig heeft in een van beide of in beide zaken, <a href=\"https:\/\/mamsolicitors.com\/nl\/contact\/\">laat het ons dan weten<\/a>.[\/vc_column_text][nectar_btn size=&#8221;small&#8221; button_style=&#8221;regular&#8221; button_color_2=&#8221;Accent-Color&#8221; icon_family=&#8221;none&#8221; text=&#8221;Ga naar Gezondheidszorg&#8221; url=&#8221;https:\/\/mamsolicitors.com\/nl\/gezondheidszorg\/&#8221;][\/vc_column][\/vc_row][vc_row type=&#8221;full_width_content&#8221; full_screen_row_position=&#8221;middle&#8221; column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; bg_image=&#8221;1657&#8243; bg_position=&#8221;center center&#8221; background_image_loading=&#8221;default&#8221; bg_repeat=&#8221;no-repeat&#8221; scene_position=&#8221;center&#8221; top_padding=&#8221;12%&#8221; bottom_padding=&#8221;12%&#8221; text_color=&#8221;dark&#8221; text_align=&#8221;left&#8221; row_border_radius=&#8221;none&#8221; row_border_radius_applies=&#8221;bg&#8221; overlay_strength=&#8221;0.3&#8243; gradient_direction=&#8221;left_to_right&#8221; shape_divider_position=&#8221;bottom&#8221; bg_image_animation=&#8221;none&#8221; parallax_bg=&#8221;true&#8221; parallax_bg_speed=&#8221;medium&#8221; shape_type=&#8221;&#8221;][vc_column column_padding=&#8221;no-extra-padding&#8221; 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