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The soil clause is a clause that many banks included in mortgages that sets a minimum interest that the consumer must pay each month, regardless of the interest rate established by the market.

The Judgment of the Court of Justice of the European Union ruled in favor of consumers, establishing that banks will have to return the amounts paid in excess since the mortgage was signed by the application of this clause.

Does my mortgage have a floor clause?

In order to know if your mortgage is affected by the floor clause, we need the Mortgage loan deed or the receipt from the bank of the monthly collection of the mortgage.

In general terms we can say that if the monthly amount you pay each month has not decreased or decreased at the same rate as the Euribor decreased, you probably have a floor clause.

Since the Bank has no obligation to directly return the money to its affected clients, you will have to go to an attorney and file your claim. Basically, what the Bank is asked to do is: remove this clause from your mortgage, return the money you have overpaid, and recalculate the outstanding amounts payable on your mortgage after the removal of this clause.

At FGA we will be happy to attend to your case, offering you personal support throughout the entire process until your money is recovered.

We are a firm with extensive experience in bank product claims and with a professional team specialized in defending consumer rights.

At Juanola Abogados we will be happy to attend to your case, offering you personal support throughout the entire process until your money is recovered.

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One of our floor clause specialist lawyers will answer you in less than 24 hours.