22
Mar

La nulidad de créditos por usura

Escrito el 22 marzo 2016 por Antonio Rivela Rodríguez en Analisis Financiero

Recientemente, el Tribunal Supremo ha estimado un recurso de casación mediante el cual anulaba un préstamo concedido a un cliente de una entidad por considerarlo usurario. En esta entrada del blog se explicarán los fundamentos financieros detrás de esta anulación de un préstamo por usura por parte del Tribunal Supremo.

Concretamente, el Tribunal Supremo anulaba un préstamo personal revolving concedido a un cliente. Este tipo de préstamo funciona de forma similar a una línea de crédito, ya que no se cancela después de repagar el préstamo sino que el cliente dispone de un crédito máximo que puede adeudar y abonar en función de sus necesidades. Dicho cliente acabó pagando un 24,6% de interés y el Tribunal Supremo, atendiendo a la Ley de Represión de la Usura (Art. 1), consideró que se estaba cobrando un interés notablemente superior al normal del dinero y manifiestamente desproporcionado con las circunstancias del caso.

No obstante, existen otros casos en los que el cliente debe pagar tipos de interés similares o muy superiores. Como consecuencia de la proliferación de las nuevas tecnologías, las dificultades para acceder a préstamos bancarios durante la crisis y los apuros económicos de muchas familias españolas, han surgido infinidad de empresas de préstamos instantáneos que ofrecen pequeñas cantidades de dinero de forma inmediata sin un estudio riguroso de la situación económico-financiera del solicitante. A cambio, se cobran tasas superiores al 2.000% sin que el cliente sea plenamente consciente de ello, ya que se tratan de cantidades relativamente pequeñas y los plazos suelen ser cortos.

Para comparar tasas de interés e identificar correctamente lo que se tendrá que pagar, habría que calcular la Tasa Anual Equivalente (TAE) y así determinar si dicha tasa puede ser abusiva. En muchas ocasiones, además, se contratan préstamos por un periodo inferior a un año y es habitual encontrarse con una tasa mensual, lo cual dificulta el análisis y la comparación con otros préstamos.

Por ello, recurrimos a la TAE para comprar distintos préstamos y ver claramente lo que pagaríamos si mantuviésemos el préstamo durante un año:

FIGURA 1

 

 

 

Como se puede observar en el cuadro anterior, la fórmula para calcular la TAE es relativamente sencilla. A continuación se recogerán una serie de ejemplos reales de su aplicación:

  • Una de estas empresas prestatarias cobra 23,62€ por prestarnos 100€ durante 10 días: TAE = (1+23,62%)^36,5 – 1 = 229.641%.
  • Una de estas empresas prestatarias cobra 81,83€ por prestarnos 250€ durante 30 días: TAE = (1+32,73%)^12,2 – 1 = 3.035%.

Como podemos observar en estos ejemplos, la TAE es significativamente más alta de lo que puede parecer a primera vista. No obstante, en España no existe un límite claro por encima del cual una tasa se considera usuraria. Por tanto, la decisión final de considerar o no un préstamo como usurario está completamente sujeta a la opinión de un juez, atendiendo a factores como las circunstancias en las que se dio el préstamo, el nivel de riesgo o los niveles de morosidad que afronta la entidad.

No obstante, la Ley de crédito al consumo (Art. 20) establece que en los préstamos al descubierto (cuando el saldo de la cuenta corriente es negativo) la tasa no puede superar 2,5 veces la tasa legal del dinero. Esta medida puede tomarse como referencia de lo que podría considerarse usurario. De hecho, se tuvo en consideración en sentencias a este respecto en la Audiencia Provincial de Álava y de Tarragona.

FIGURA 2

 

 

 

 

 

 

Como se puede observar en la gráfica anterior, en los últimos años el límite orientativo de lo que se podría considerar usura se ha situado entre el 10% y el 14%.

En conclusión, para el cumplimiento de la Ley de Represión de la Usura se ha de tener en consideración la Tasa Anual Equivalente de cualquier tipo de préstamo. En consecuencia, deberemos partir de la tasa (mensual, semestral, etc.) que nos de el banco o la entidad prestataria y convertirla. Por otro lado, no existe una tasa límite sobre la cual se pueda considerar usura, por lo que la decisión final recae sobre el juez.

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