Widerruf von Darlehen: Pflichtangaben müssen im Kreditvertrag aufgeführt werden
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Widerruf von Darlehen: Pflichtangaben müssen im Kreditvertrag aufgeführt werden

Immobiliendarlehen, die nach dem 10. Juni 2010 geschlossen wurden, können auch heute noch vielfach widerrufen werden. Grund dafür ist, dass Banken und Sparkassen nach wie vor auch fehlerhafte Widerrufsbelehrungen verwendet haben, sodass die Widerrufsfrist nie in Lauf gesetzt wurde und der Widerruf noch Jahre später möglich ist.
 
Schon im November 2016 hatte der Bundesgerichtshof entschieden, dass eine von einer Sparkasse verwendete Widerrufsbelehrung fehlerhaft ist (Az.: XI ZR 434/15). Sie hatte den Beginn der Widerrufsfrist u.a. davon abhängig gemacht, dass der Verbraucher alle Pflichtangaben nach § 492 Abs. 2 BGB erhalten hat. Beispielhaft zählte sie u.a. die Nennung der für die Sparkasse zuständige Aufsichtsbehörde als Pflichtangabe auf. Dies sei bei einem Immobiliendarlehen zwar keine einschlägige Pflichtangabe. Wer diese Angabe aber zu einer Bedingung für den Beginn der Widerrufsfrist mache, müsse die Aufsichtsbehörde auch nennen. Und das hatte die Sparkasse nicht getan. Dadurch war der Widerruf auch Jahre nach Abschluss des Darlehensvertrags noch möglich gewesen.
 
Inzwischen liegt die Urteilsbegründung des BGH vor. Darin konkretisierten die Karlsruher Richter den Fehler der Sparkasse. Diese hatte die Nennung der Aufsichtsbehörde zur Bedingung gemacht. Allerdings hatte sie die Aufsichtsbehörde nur in einem vorvertraglichen Informationsblatt, dem sog. Europäischen Standardisierten Merkblatt (ESM), auch genannt. Dieses Informationsblatt gehöre aber nicht zum eigentlichen Darlehensvertrag. Die Aufsichtsbehörde hätte zwingend in dem Vertrag über das Immobiliendarlehen aufgeführt werden müssen, so der BGH.
 

Rechtliche Einschätzung der Kanzlei Kreutzer, München: Dieser oder vergleichbare Fehler dürften einer ganzen Reihe von Sparkassen und wahrscheinlich auch anderen Kreditinstituten unterlaufen sein. Das hat zur Folge, dass in diesen Fällen immer noch der Widerrufsjoker gezogen werden kann. Angesichts der Zinsenzwicklung in den vergangenen Jahren kann sich der Widerruf auch bei diesen jüngeren Immobiliendarlehen immer noch lohnen. Verbraucherdarlehen, die nach dem 10. Juni 2010 geschlossen wurden, sind nicht vom Ende des sog. „ewigen Widerrufsrechts“ betroffen. Voraussetzung für einen erfolgreichen Widerruf ist eine fehlerhafte Widerrufsbelehrung. Nach dem Urteil des BGH dürften die Chancen der Verbraucher erneut gestiegen sein, ihren Widerruf durchsetzen zu können.

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