📌 30-Second Summary

Spanish mortgages historically contained abusive clauses declared illegal by courts. The most common:

Floor clause (cláusula suelo): Minimum interest rate that prevents your rate from dropping Mortgage expenses clause: Makes you pay bank's expenses Early repayment penalties: Excessive fees for paying off early

Good news: These clauses are now illegal or strictly limited. If you have an old mortgage, you can claim refunds for past overcharges.

Bottom line: Check your mortgage deed. If signed before 2019, you likely have abusive clauses worth thousands in potential refunds.