Parameters for controlling transparency and unfairness in IRPH clauses: jurisprudential dialogue

Authors

  • María Teresa Núñez Sanz Personal investigador. Departamento de Derecho Privado Facultad de Ciencias Jurídicas y Políticas (URJC)

DOI:

https://doi.org/10.36151/rcdi.2026.817.16

Keywords:

IRPH, mortgage loan, average consumer, transparency control, assessment of unfairness, significant imbalance

Abstract

This study analyses the evolution of the jurisprudential dialogue between the Court of Justice of the European Union and the Supreme Court regarding the transparency and unfairness of IRPH clauses in mortgage loans. The analysis focuses in particular on the judgments of the Plenary Session of the First Chamber of the Supreme Court of 11 November 2025 (SSTS 1590/2025 and 1591/2025), which establish a structured methodology for transparency control and a technical comparative method for assessing unfairness.

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Published

2026-10-28

Issue

No. 817 (2026): Septiembre-Octubre

Section

ESTUDIOS JURISPRUDENCIALES: DERECHO BANCARIO (2022-2030)

License

Copyright (c) 2026 Critical Review of Real Estate Law

Creative Commons License

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

How to Cite

Parameters for controlling transparency and unfairness in IRPH clauses: jurisprudential dialogue. (2026). Critical Review of Real Estate Law, 817, 3109-3134. https://doi.org/10.36151/rcdi.2026.817.16