Carga de la prueba y cumplimento de la obligación de evaluar la solvencia en la concesión de préstamos hipotecarios y al consumo

  1. Lourdes V. Melero Bosch 1
  1. 1 Universidad de La Laguna

    Universidad de La Laguna

    San Cristobal de La Laguna, España


La Ley mercantil

ISSN: 2341-4537

Year of publication: 2021

Issue: 82

Type: Article

More publications in: La Ley mercantil


The Spanish legal system disposes the obligation to assess the future borrower’s ability to pay as a pre-contractual obligation of credit institutions. There is no express provision, however, of the contractual consequences that a possible breach of that obligation could cause. This work aims to advance the effectiveness of possible contractual sanctions for these breaches, as well as to clarify the rules that should govern in matters of burden of proof and the effectiveness that the insertion in the credit agreement of the so-called «compliance clauses» could have.