Claiming loan formalization expenses is becoming an increasingly widespread practice among Spaniards who have or have had a mortgage. This is due to the generalized attribution with which the banking entities charged their borrowing clients, all the expenses that could be generated from the contracting of a loan. They established conditions drafted unilaterally by them and imposed on their clients. Contracts with this type of wording are called general contracting conditions. When the clauses that contain said conditions violate the provisions of the regulations that regulate them, they are liable to be classified as “abusive”. With this name, the judicial bodies are qualifying the clause that contains the attribution of the mortgage formalization expenses and that is usually a fifth of the deed. Through it, the borrower is made responsible for the expenses of notary, registration, management, appraisal, and the tax of documented legal acts, among others. Likewise, they usually establi