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Excess mortgage interest wrongly charged · CJEU 21/12/2016 · Art. 6.1 Directive 93/13/EEC

Mortgage loan data

Average outstanding capital (€)

€

Average balance during the clause period

Years the clause was active

years

Floor rate applied by the bank

%

The minimum rate set in the contract

Rate applicable without the clause

%

Euribor + actual spread for the period

Scope of the claim

Full retroactivity

ECJT 21/12/2016: from contract start

From 9/5/2013 only

STS 9/5/2013: overridden by ECJT ruling

Include Art. 1108 CC interest (legal rate 3.25%, 2026)

Legal notice: Indicative calculation based on simple interest on average capital. Does not include the actual amortisation schedule or compound interest. For a court claim, prepare the full schedule. The ECJT (C-154/15, 21/12/2016) declared full retroactivity regardless of STS 9/5/2013.

Legal basis: Art. 6.1 Directive 93/13/EEC on unfair terms. The nullity action is imprescriptible; the restitution claim expires 5 years from nullity declaration (STS 5/10/2021, 1st Chamber). Legal rate 2026: 3.25% (LPGE 2025 extended, same as 2025).

Related resources

Floor clauseMortgage clause setting a minimum interest rate, preventing the borrower from benefiting from Euribor drops. Declared abusive due to lack of material transparency (STS 9/5/2013).STS 241/2013 Mortgage foreclosureSpecial procedure to enforce a mortgage upon debtor default. Allows the creditor to request auction of the mortgaged property. The debtor may object on specific grounds (payment, non-maturity, abusive clauses). Act 1/2013 introduced protections against evictions.Arts. 681-698 LEC

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