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European Court of Justice new ruling on mortgage claims. There are many good things to be said about Spain, from its weather to its fantastic food and welcoming people. Sadly, its banking system and its supervisors are still in need of an update. In the decade since the financial crisis, European courts have continuously corrected Spanish courts in their decisions about Spanish bank practices. Most of them have had to do with mortgage clauses that were later considered illegitimate. The most famous is the clausula suelo or floor clause, which established a minimum interest to be paid that was usually higher than the standard EURIBOR reference index.



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