{"id":51343,"date":"2019-07-22T11:09:02","date_gmt":"2019-07-22T10:09:02","guid":{"rendered":"http:\/\/inmocosta.com\/nova-llei-hipotecaria\/"},"modified":"2019-07-22T11:21:48","modified_gmt":"2019-07-22T10:21:48","slug":"nova-llei-hipotecaria","status":"publish","type":"post","link":"https:\/\/inmocosta.com\/en\/nova-llei-hipotecaria\/","title":{"rendered":"Nova LLei hipotecaria"},"content":{"rendered":"\n

<\/p>\n\n\n\n

Aquestes s\u00f3n les tres preguntes m\u00e9s freq\u00fcents que responen els notaris en mat\u00e8ria d’hipoteques<\/h2>\n\n\n\n
\"\"<\/figure><\/div>\n\n\n\n

<\/h2>\n\n\n\n

A Espanya es signen centenars d’hipoteques al dia. La compra d’un habitatge \u00e9s una de les decisions en la vida de la majoria de les persones i la signatura d’un pr\u00e9stec, un proc\u00e9s que suscita molts dubtes entre els consumidors.<\/p>\n\n\n\n

Sobretot en els \u00faltims mesos, davant la arriba de la nova llei hipotec\u00e0ria i tots els canvis que porta amb si. El passat 17 de juny va entrar en vigor aquesta legislaci\u00f3, que inclou entre altres moltes coses l’obligaci\u00f3 del banc d’enviar amb antelaci\u00f3 la documentaci\u00f3 perqu\u00e8 client el revisi juntament amb un notari abans de la signatura. Tamb\u00e9 destaca la limitaci\u00f3 de les comissions per amortitzaci\u00f3 anticipada, la possibilitat de convertir una hipoteca variable en una fixa de manera m\u00e9s senzilla i barata, aix\u00ed com la prohibici\u00f3 d’incloure cl\u00e0usules abusives com les terra.<\/p>\n\n\n\n

En aquest escenari, el Consell General del Notariat ha resumit les tres q\u00fcestions m\u00e9s freq\u00fcents que pregunten els consumidors als notaris en mat\u00e8ria d’hipoteques. Es plantegen, per exemple, si despr\u00e9s de la nova llei poden elegir el que vulguin, si han de revisar la documentaci\u00f3 a soles amb ell o qu\u00e8 \u00e9s una oferta vinculant. I aix\u00f2 \u00e9s el que respon a cadascuna d’aquests dubtes:<\/p>\n\n\n\n

  1. \u00bfM’he de reunir a soles amb el notari abans de signar l’escriptura de pr\u00e9stec?<\/strong>
    La resposta \u00e9s rotundament si. Segons els notaris, “la nova normativa ve a refor\u00e7ar la protecci\u00f3 al consumidor i la seguretat jur\u00eddica de la fase precontractual dels pr\u00e9stecs hipotecaris, atribuint als notaris una important funci\u00f3. Els notaris han de assegurar-se que les entitats financeres han lliurat als ciutadans tota la informaci\u00f3 que estableix la llei i proporcionar-los un assessorament imparcial i gratu\u00eft. Tot aix\u00f2, com a m\u00ednim, en els 10 dies anteriors a l’autoritzaci\u00f3 i signatura de les escriptures dels pr\u00e9stecs hipotecaris “.<\/li>
  2. Ara els clients tenen dret a triar el notari, com ho he de fer?<\/strong>
    La nova llei deixa molt clar que t\u00e9 dret a triar notari la persona que contracta el pr\u00e9stec. Pot elegir el notari que prefereixi, apropant-se a la seva not\u00e0ria o per internet. Si es decanta per aquesta segona opci\u00f3, explica el CGN, nom\u00e9s cal entrar a la web del notariat i punxar en l’apartat \u00bfVa a contractar un pr\u00e9stec hipotecari? Trieu notari “. All\u00e0 se li indiquen els passos a seguir, que s\u00f3n molt senzills.<\/li><\/ol>\n\n\n\n

    Tots els notaris estan preparats, professional i t\u00e8cnicament, per atendre els ciutadans sota el paraigua d’aquesta nova llei. L’objectiu \u00e9s que tot sigui m\u00e9s transparent i segur i que el consumidor rebi del notari assessorament imparcial i gratu\u00eft.<\/p>\n\n\n\n

    3.- El banc m’ha comunicat que properament em far\u00e0 arribar una oferta vinculant. Qu\u00e8 \u00e9s exactament?<\/strong>
    \u00c9s un document en el qual l’entitat financera reflecteix les condicions i caracter\u00edstiques del pr\u00e9stec hipotecari que es compromet a complir amb el seu client. S’emet una vegada que el client hagi mostrat la seva voluntat de contractar un pr\u00e9stec hipotecari, disposi de la taxaci\u00f3 de l’immoble i s’hagin efectuat les oportunes comprovacions sobre la situaci\u00f3 registral de la finca i la capacitat financera del prestatari.<\/p>\n\n\n\n

    El banc ha de presentar-la per escrit, tenint un termini de vig\u00e8ncia no inferior a 14 dies naturals des de la data de lliurament, i ha d’anar signada. “Aqu\u00ed ja no parlem d’unes condicions gen\u00e8riques, sin\u00f3 que s\u00f3n unes condicions \u00faniques i exclusives per al client, depenent normalment de la seva capacitat financera i de l’immoble que va a hipotecar”, detallen els notaris.<\/p>\n","protected":false},"excerpt":{"rendered":"

    Aquestes s\u00f3n les tres preguntes m\u00e9s freq\u00fcents que responen els notaris en mat\u00e8ria d’hipoteques A Espanya es signen centenars d’hipoteques al dia. La compra d’un habitatge \u00e9s una de les decisions en la vida de la majoria de les persones i la signatura d’un pr\u00e9stec, un proc\u00e9s que suscita molts dubtes entre els consumidors. Sobretot en els \u00faltims mesos, davant la arriba de la …<\/p>\n","protected":false},"author":1,"featured_media":51338,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[263,421,300,304,315,264,309,299],"tags":[2632,2700,2701,2702],"class_list":["post-51343","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-api","category-compra-vivendes-en","category-decoration","category-opportunity-en","category-real-state-en","category-sales","category-surroundings","category-taxation","tag-idealista-en","tag-inmcosta-api-en","tag-notaria-en","tag-nova-llei-hipotecaria-en"],"yoast_head":"\nNova LLei hipotecaria - Inmocosta API l'Estartit<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/inmocosta.com\/en\/nova-llei-hipotecaria\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Nova LLei hipotecaria - Inmocosta API l'Estartit\" \/>\n<meta property=\"og:description\" content=\"Aquestes s\u00f3n les tres preguntes m\u00e9s freq\u00fcents que responen els notaris en mat\u00e8ria d’hipoteques A Espanya es signen centenars d’hipoteques al dia. 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