{"id":68062,"date":"2021-08-26T15:34:22","date_gmt":"2021-08-26T14:34:22","guid":{"rendered":"https:\/\/inmocosta.com\/com-demanar-una-hipoteca-si-no-vivim-a-espanya\/"},"modified":"2021-08-26T15:41:46","modified_gmt":"2021-08-26T14:41:46","slug":"com-demanar-una-hipoteca-si-no-vivim-a-espanya","status":"publish","type":"post","link":"https:\/\/inmocosta.com\/en\/com-demanar-una-hipoteca-si-no-vivim-a-espanya\/","title":{"rendered":"Com demanar una hipoteca si no vivim a Espanya?"},"content":{"rendered":"\n
\"\"<\/a><\/figure>\n\n\n\n

Cada vegada hi ha m\u00e9s persones interessades a adquirir un habitatge a Espanya. No obstant aix\u00f2, moltes d’elles no tenen la resid\u00e8ncia al nostre pa\u00eds, ja sigui perqu\u00e8 s\u00f3n estrangers o perqu\u00e8 s\u00f3n ciutadans espanyols que s’han anat a viure fora.<\/p>\n\n\n\n

Tot i comptar amb la nacionalitat espanyola, a l’estar vivint en un altre estat i, per tant, tributant en aquest, no podran demanar un pr\u00e9stec hipotecari tradicional; hauran de sol\u00b7licitar una hipoteca per a no residents.<\/p>\n\n\n\n

A continuaci\u00f3, analitzarem en qu\u00e8 consisteixen aquest tipus de pr\u00e9stecs i quins requisits es necessiten per accedir-hi.<\/p>\n\n\n\n

Qu\u00e8 es considera ciutad\u00e0 no resident<\/strong>?<\/span><\/p>\n\n\n\n

Es considera ciutad\u00e0 no resident aquella persona que no ha estat al pa\u00eds m\u00e9s de 183 dies al llarg d’un any natural i que no t\u00e9 a Espanya la seva resid\u00e8ncia fiscal. Aix\u00ed, totes les persones que siguin no residents hauran de demanar aquest tipus d’hipoteques; la resta podran optar a una hipoteca tradicional.<\/p>\n\n\n\n

Cal tenir en compte que els estrangers que tributin a Espanya podran adquirir una hipoteca normal. Per tant, les hipoteques per a no residents no depenen de la nacionalitat de la persona que les sol\u00b7licita, sin\u00f3 d’on pagui els seus impostos.<\/p>\n\n\n\n

Quines condicions tenen les hipoteques per a no residents?<\/span><\/strong><\/p>\n\n\n\n

Les hipoteques per a no residents compten amb condicions for\u00e7a m\u00e9s exigents. I \u00e9s que en cas d’impagament, \u00e9s pr\u00e0cticament impossible embargar b\u00e9ns de l’estranger, de manera que l’\u00fanica garantia que tindr\u00e0 el banc \u00e9s l’immoble a Espanya sobre el qual ha concedit la hipoteca.<\/p>\n\n\n\n

Per\u00edode d’amortitzaci\u00f3 menor. El temps m\u00e0xim per amortitzar aquest tipus d’hipoteques \u00e9s de 30 anys, encara que l’habitual s\u00f3n 20.
Menys percentatge de finan\u00e7ament. Els diners prestat per l’entitat banc\u00e0ria ser\u00e0 d’entre el 50% i el 80% de la valor de la taxaci\u00f3 de l’immoble o de l’preu de la compravenda. En el cas que la hipoteca estigui destinada a comprar una segona resid\u00e8ncia, l’import rares vegades pot superar el 60%.
Tipus d’inter\u00e8s m\u00e9s elevats. Els tipus que s’apliquen solen ser m\u00e9s alts; gaireb\u00e9 sempre estan per sobre de l’1,75% a tipus fix i de l’1,10% a tipus variable.
A m\u00e9s, en les hipoteques per a no residents \u00e9s m\u00e9s complex contractar productes vinculants, com domiciliar la n\u00f2mina o contractar algun tipus d’asseguran\u00e7a, per millorar les condicions.
No totes les entitats la concedeixen. At\u00e8s que, com apunt\u00e0vem, el risc per als bancs \u00e9s m\u00e9s gran, molts d’ells no donen aquest tipus d’hipoteques.<\/p>\n\n\n\n


Com es contracten les hipoteques per a no residents?<\/span><\/strong><\/p>\n\n\n\n

Encara que algunes entitats financeres accepten rebre la documentaci\u00f3 per correu electr\u00f2nic o postal, la majoria exigeixen la presentaci\u00f3 dels documents originals en persona, aix\u00ed com la signatura davant notari.<\/p>\n\n\n\n

No obstant aix\u00f2, gaireb\u00e9 tots els bancs tenen un apartat espec\u00edfic a la seva p\u00e0gina web a trav\u00e9s de el qual les persones no residents poden sol\u00b7licitar tota la informaci\u00f3 que necessiten i resoldre els dubtes que els puguin sorgir a l’respecte.<\/p>\n\n\n\n

Documentaci\u00f3 necess\u00e0ria per demanar una hipoteca per a no residents<\/span><\/strong><\/p>\n\n\n\n

Els documents que es necessiten per sol\u00b7licitar hipoteques per a no residents han d’estar tradu\u00efts a l’espanyol i s\u00f3n:<\/p>\n\n\n\n

Fotoc\u00f2pia de l’DNI, NIE o passaport
contracte laboral
Tres \u00faltimes n\u00f2mines al pa\u00eds de resid\u00e8ncia
Moviments bancaris dels \u00faltims 6 mesos
Sis \u00faltims rebuts de deutes pendents, com pr\u00e9stecs o hipoteques
Certificat de resid\u00e8ncia fiscal
Declaraci\u00f3 de la renda
Certificat de no resident
Informe de risc creditici
A m\u00e9s de presentar aquesta documentaci\u00f3, la majoria de les entitats obligaran a les persones que vulguin accedir a una hipoteca per a no residents disposar d’un compte bancari amb seu a Espanya.<\/p>\n\n\n\n

Per finalitzar, cal destacar que la nova llei hipotec\u00e0ria 2019 permet a l’hipotecat convertir el pr\u00e9stec a la moneda estrangera de pa\u00eds en el qual tingui la seva resid\u00e8ncia principal o la majoria dels seus b\u00e9ns, de manera que algunes persones que reben els seus ingressos en determinada divisa, tindr\u00e0 m\u00e9s complicat obtenir finan\u00e7ament que abans de l’entrada de la LCCI de juny de 2019<\/p>\n\n\n\n

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

Font Habitaclia 23 de agosto, 2021<\/p>\n","protected":false},"excerpt":{"rendered":"

Cada vegada hi ha m\u00e9s persones interessades a adquirir un habitatge a Espanya. No obstant aix\u00f2, moltes d’elles no tenen la resid\u00e8ncia al nostre pa\u00eds, ja sigui perqu\u00e8 s\u00f3n estrangers o perqu\u00e8 s\u00f3n ciutadans espanyols que s’han anat a viure fora. Tot i comptar amb la nacionalitat espanyola, a l’estar vivint en un altre estat i, per tant, tributant en aquest, no podran demanar …<\/p>\n","protected":false},"author":1,"featured_media":68056,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[263,421,315,264],"tags":[2997],"class_list":["post-68062","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-api","category-compra-vivendes-en","category-real-state-en","category-sales","tag-hipoteca-no-residents-en"],"yoast_head":"\nCom demanar una hipoteca si no vivim a Espanya? - 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\/com-demanar-una-hipoteca-si-no-vivim-a-espanya\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Com demanar una hipoteca si no vivim a Espanya? - Inmocosta API l'Estartit\" \/>\n<meta property=\"og:description\" content=\"Cada vegada hi ha m\u00e9s persones interessades a adquirir un habitatge a Espanya. 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