{"id":6947,"date":"2022-05-20T09:16:48","date_gmt":"2022-05-20T07:16:48","guid":{"rendered":"https:\/\/www.bbsabogados.com\/lhabitatge-habitual-a-la-2a-oportunitat\/"},"modified":"2022-05-20T09:16:49","modified_gmt":"2022-05-20T07:16:49","slug":"lhabitatge-habitual-a-la-2a-oportunitat","status":"publish","type":"post","link":"https:\/\/www.bbsabogados.com\/ca\/lhabitatge-habitual-a-la-2a-oportunitat\/","title":{"rendered":"L’habitatge habitual a la 2a Oportunitat."},"content":{"rendered":"\n

L’habitatge habitual a la Ley de 2\u00aa oportunidad<\/a> \u00e9s una de les q\u00fcestions que la gent es pregunta m\u00e9s. Perdr\u00e9 casa meva? \u00c9s una q\u00fcesti\u00f3 controvertida i t\u00e9 diverses solucions a la via judicial. \n<\/strong><\/p>\n\n

En principi, la Llei Concursal no permet mantenir l’habitatge habitual, at\u00e8s que per poder sol\u00b7licitar l’exempci\u00f3 total dels deutes, cal oferir l’habitatge per al pagament als creditors.<\/p>\n\n

D’aquesta manera, com a norma general, en l’execuci\u00f3 del Concurs Consecutiu, es procedir\u00e0 a la venda de l’immoble per pagar als creditors. O b\u00e9 es procedir\u00e0 a la daci\u00f3 en pagament, per saldar el deute, si aquest fos hipotecari. La finalitat del concurs \u00e9s liquidar els b\u00e9ns i pagar els creditors. El que reste per pagar \u00e9s el que es pot exonerar, si es donen els requisits.<\/p>\n\n

Hi ha una s\u00e8rie d’excepcions. Requisits per poder mantenir la vivenda habitual:<\/p>\n\n

Encara que no \u00e9s la norma general, hi ha certs casos en qu\u00e8 l’habitatge es podr\u00e0 mantenir en el patrimoni del concursat.<\/strong><\/p>\n\n

El primer requisit \u00e9s que l’habitatge estigui afectat amb un pr\u00e9stec HIPOTECARI<\/u><\/strong>. En aquest cas, es podria arribar a mantenir l’habitatge en el patrimoni del concursat, sempre que s’estigui al corrent de les quotes del pr\u00e9stec, que amb la venda no es pogu\u00e9s saldar tampoc el deute existent.<\/span><\/p>\n\n

Si compleix aquests 3 requisits es pot sol\u00b7licitar l’exclusi\u00f3 de l’habitatge: estar empadronat, tenir hipoteca al dia, que el valor de la hipoteca sigui igual o m\u00e9s gran al preu de venda de l’immoble.<\/p>\n\n

O b\u00e9 que hi hagi possibilitats de posar-se al dia de pagament, o que el deutor disposi dajuda daltres persones per posar-se al dia dels pagaments de la hipoteca.<\/p>\n\n

Ha de quedar clar que es tracta d’una possibilitat, ja que fins i tot si es donen els sup\u00f2sits abans esmentats, quedaria a costa del que decid\u00eds el jutge. S’haur\u00e0 de valorar cas per cas, per\u00f2 no \u00e9s una q\u00fcesti\u00f3 absoluta, com es pot pensar en un inici.<\/p>\n\n

Per\u00f2 la \u201cjurisprud\u00e8ncia menor\u201d ha arribat a la convicci\u00f3 que, en determinades circumst\u00e0ncies, es pot excloure l’habitatge de la liquidaci\u00f3.<\/p>\n\n

Caldr\u00e0 valorar les circumst\u00e0ncies concretes de cada cas particular.<\/p>\n\n

No dubti a contactar con nosotros<\/a><\/strong> a trav\u00e9s del nostre formulari web, escrivint-nos a bbsabogados@bbsabogados.com o trucant al 93.760.53.77.<\/p>\n","protected":false},"excerpt":{"rendered":"

L’habitatge habitual a la Ley de 2\u00aa oportunidad \u00e9s una de les q\u00fcestions que la gent es pregunta m\u00e9s. Perdr\u00e9 casa meva? \u00c9s una q\u00fcesti\u00f3 controvertida i t\u00e9 diverses solucions a la via judicial. En principi, la Llei Concursal no permet mantenir l’habitatge habitual, at\u00e8s que per poder sol\u00b7licitar l’exempci\u00f3 total dels deutes, cal oferir […]<\/p>\n","protected":false},"author":7,"featured_media":2329,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[285],"tags":[],"class_list":["post-6947","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-dret-concursal-i-llei-segona-oportunitat"],"acf":[],"yoast_head":"\nL'habitatge habitual a la 2a Oportunitat.<\/title>\n<meta name=\"description\" content=\"L'habitatge habitual a la Llei de 2a oportunitat \u00e9s una de les q\u00fcestions que la gent m\u00e9s es pregunta. 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