In November 2025, the Supreme Court once again ruled on the IRPH, one of the most controversial mortgage indices of recent years. It did so through two plenary judgments (STS 1590/2025 and STS 1591/2025, both dated November 11), which are the first to apply the doctrine
The declaration of usury in personal loans has become increasingly relevant in recent years due to the high interest rates agreed upon in some contracts. In Spain, the Usury Repression Law establishes that a loan is considered usurious when the interest rate is "significantly higher" than the average interest rate.
MASC after Organic Law 1/2025: what they are, when they are mandatory and how they affect you From April 3, 2025, if you want to file a civil or commercial claim in Spain, in most cases you must first prove a real attempt at out-of-court negotiation: what the
Floor clauses in mortgages have been the subject of numerous lawsuits in recent years due to their abusive nature. These clauses establish a minimum limit on the interest you must pay, regardless of how the reference index (such as the Euribor) fluctuates, which can result in a
Administrative sanctions are measures imposed by the Public Administration in response to alleged violations, such as traffic fines, urban planning sanctions or tax non-compliance. Although many people believe that it is not possible to appeal them, the truth is that there are legal procedures to defend your rights. Common types of administrative sanctions 1. Fines of
Road safety offences are more common than we think and range from drink driving to speeding. Facing a charge for these types of offences can have serious consequences, including financial penalties, loss of points on your driving licence,
