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Spanish Bank & Property Claims

Rapido’s team of highly professional and knowledgeable staff, are made up of claims managers, lawyers and admin personnel who are 100% focused on helping anybody with a Spanish mortgage recover all over paid fees.

We take a huge amount of pride in the service we offer, and aim to ensure that our service is 100% transparent and fair for all our customers. We are NOT a sales company, you will never receive an unsolicited call from us.

Before we submit any claim, we will analyse the claim completely FREE of charge, and ensure you are fully aware of the procedure and the specifics of what and how much you are claiming.

Floor clause (Clausula Suelo) Mortgage Over Payments

Verdicts: European Court of Justice (2016), Spanish Supreme Court (2013) and Royal Decree (2017)
Documents: Escritura de Prestimo Hipotecario (Mortgage Deed), Recent copy of mortgage statement

Average Claim
Average Claim Amount
What we charge

If you own a property in Spain and have a mortgage then there is a very high chance you have been overpaying each and every month since about 2009.

The Floor Clause, is a clause in your mortgage contract which allows the bank to charge a minimum interest rate regardless of how low your index (usually Euribor) has dropped. At present the Euribor is -0.131 % so if you have a differential of 1% then currently you should be paying less than 1% in interest. However in many cases the bank has actually been charging a far higher interest rate.

Free Assessment
To find out if you have a claim, our legal team will check your case free of charge. To check if you have a claim we will need to see a copy of your mortgage deed. For more information on what the deed looks like please click on the PDF document.

Cost Claims – Payments made relating to the set-up of the mortgage

Verdicts: Spanish Supreme Court (2015) 
Documents: Escritura de Prestimo Hipotecario (Mortgage Deed), Invoices for notary, gestoria, property registration, AJD tax  (modelo 600)

The Spanish Supreme Court rules in December 2015 that some of the costs relating specifically to the set up of the mortgage should have been paid by the bank.

So if you have an existing mortgage or you have sold or paid off your mortgage within the last 4 years then you can make a claim.

What can you claim? The courts rulings were on  the expenses for notary, property registration, gestoria and the AJD Tax (however not all judges agree with the return of all AJD Taxes)

Off Plan Deposits – Development not built

Verdicts: Law 57/68, Spanish Supreme Court (2015) 
Documents: Reservation Contract or a Private Purchase Contract

If you placed a deposit on an off plan property in Spain within the past 15 years, and that property was not completed then you can claim back the deposit from the bank which offered the bank guarantee on the property.

What can you claim? Your full deposit

Plusvalia – Capital Gains Tax

Verdicts: Spanish Supreme Court
Documents: Escritura de Compraventa (Property deed Deed), 

If you have sold a property in Spain within the last 4 years, for less than you purchased. Then you are most likely to have paid the ‘plusvalia’ tax to the local town hall. Depending on your situation you can likely claim back the tax you paid.

What can you claim? Full Plusvalia Tax Refund

Document Terms

English: Floor Clause
Spanish: Clausula Suelo

English: Spanish Mortgage Deed
Spanish: Escritura de Préstamo Hipotecario

English: Initial Mortgage Offer
Spanish: Offerta Vinculante

English: Breakdown of all mortgage payments
Spanish: Cuadro Amortización

English: Take over a mortgage with the same terms
Spanish: Subrogación de Préstamo Hipotecario

English: Amended Mortgage Contract
Spanish: Novación de Préstamo Hipotecario

If you have a Subrogación, then you will also have a Novación mortgage contract.

Legal Terms

Spanish: Demanda
Explanation: This is the case file that is sent to the court to start the legal process

Spanish: Procedimiento Extrajudicial
Explanation: The extra judicial claim process

Spanish: Procedimiento Judicial
Explanation: The judicial claim process

Spanish: Acuerdo Extrajudicial
Explanation: An extra judicial agreement

Just Some of The Banks

There are over 40 Spanish banks who have used the abusive ‘floor clauses’. Cost claims can be made against bank. The Plusvalia claims are made against the specific town hall. Off plan claims can effect any Spanish bank.

Free Assessment - Find Out if You Have a Claim

We are not a sales company, we do not make unsolicited calls. Any contact you receive will be from a highly trained mortgage expert with legal experience who will be able to answer any and all of your questions

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