{"id":7613,"date":"2022-12-23T08:02:28","date_gmt":"2022-12-23T07:02:28","guid":{"rendered":"https:\/\/www.bbsabogados.com\/que-es-la-responsabilitat-hipotecaria\/"},"modified":"2023-04-17T20:34:38","modified_gmt":"2023-04-17T18:34:38","slug":"que-es-la-responsabilitat-hipotecaria","status":"publish","type":"post","link":"https:\/\/www.bbsabogados.com\/ca\/que-es-la-responsabilitat-hipotecaria\/","title":{"rendered":"Qu\u00e8 \u00e9s la Responsabilitat Hipotec\u00e0ria?"},"content":{"rendered":"\n<h3 class=\"wp-block-heading\">La Responsabilitat Hipotec\u00e0ria \u00e9s un element de gran import\u00e0ncia a les hipoteques, que sol ser desconegut pels clients.<\/h3>\n\n<p>La <strong>Responsabilitat Hipotec\u00e0ria<\/strong> \u00e9s una de les grans desconegudes en relaci\u00f3 amb els pr\u00e9stecs hipotecaris, tot i ser un element de vital import\u00e0ncia. Per aix\u00f2, en aquest article us expliquem qu\u00e8 \u00e9s la responsabilitat hipotec\u00e0ria, i quins efectes t\u00e9 per al deutor hipotecari.<\/p>\n\n<p><\/p>\n\n<h4 class=\"wp-block-heading\"><strong>Com \u00e9s configura la Responsabilitat Hipotec\u00e0ria?<\/strong><\/h4>\n\n<p>La Responsabilitat Hipotec\u00e0ria \u00e9s configura amb la suma dels conceptes garantits a trav\u00e9s de la hipoteca:<\/p>\n\n<ul class=\"wp-block-list\"><li>El capital o import del pr\u00e9stec concedit.<\/li><li>El muntant total de la suma dels interessos, tant ordinaris com de demora, calculats sobre el capital concedit.<\/li><li><strong>Costas judicials y gastos de ejecuci\u00f3n<\/strong>.<\/li><\/ul>\n\n<p>Normalment, la responsabilitat hipotec\u00e0ria es calcula afegint, a l&#8217;import del pr\u00e9stec hipotecari, un percentatge que escull cada banc, que sol oscil\u00b7lar entre el 30%-50% del principal del pr\u00e9stec.<\/p>\n\n<h4 class=\"wp-block-heading\">La Responsabilitat Hipotec\u00e0ria \u00e9s el m\u00e0xim que pagar\u00e0 el deutor? Limita la responsabilitat?<\/h4>\n\n<p>La resposta \u00e9s no.<\/p>\n\n<p>La responsabilitat hipotec\u00e0ria no t\u00e9 nedar a veure amb la responsabilitat real del deutor ni amb la del fiador, que \u00e9s la mateixa que la del deutor.<\/p>\n\n<p>D&#8217;acord amb l&#8217;<a href=\"https:\/\/www.boe.es\/buscar\/act.php?id=BOE-A-1889-4763&amp;p=20220906&amp;tn=1#art1911\">art. 1911 del Codi Civil<\/a>, la responsabilitat del deutor hipotecari \u00e9s universal i il\u00b7limitada. Per tant, respon del deute amb tots els b\u00e9ns, presents i futurs, independentment de l&#8217;import del deute, sense l\u00edmit.<\/p>\n\n<p>Per tant, la responsabilitat hipotec\u00e0ria no limita les responsabilitats del deutor.<\/p>\n\n<h4 class=\"wp-block-heading\"><strong>Aleshores, Qu\u00e8 \u00e9s la Responsabilitat Hipotec\u00e0ria?<\/strong><\/h4>\n\n<p>La <strong>Responsabilitat Hipotec\u00e0ria<\/strong> <strong>\u00e9s limport de deute m\u00e0xim del que respon limmoble<\/strong>, en cas duna execuci\u00f3 hipotec\u00e0ria.<\/p>\n\n<p>Tamb\u00e9 limita la responsabilitat d&#8217;un possible tercer que no va ser present en el moment en qu\u00e8 es va constituir la hipoteca.<\/p>\n\n<p>Per exemple, si hi ha un impagament d&#8217;una hipoteca, el deutor hauria de pagar el capital pendent, m\u00e9s els interessos, m\u00e9s despeses de demora i altres despeses. Per\u00f2 si l&#8217;habitatge hipotecat el compra un tercer, aquest podria pagar el m\u00e0xim de responsabilitat hipotec\u00e0ria i alliberar-lo. Tamb\u00e9 podria permetre una possible execuci\u00f3, responent fins al m\u00e0xim de la responsabilitat hipotec\u00e0ria. A m\u00e9s, si tot i aix\u00ed no se salda el deute, de la difer\u00e8ncia s&#8217;haur\u00e0 de fer c\u00e0rrec el deutor, mai aquest tercer.<\/p>\n\n<p>En definitiva, la Responsabilitat Hipotec\u00e0ria \u00e9s un instrument de protecci\u00f3 i informaci\u00f3 a tercers i del creditor. Si no exist\u00eds, el creditor no podria exigir els interessos ordinaris (llevat d&#8217;un m\u00e0xim de dos anys fixats per llei), els interessos de demora, o les costes, sin\u00f3 tan sols el capital.<\/p>\n\n<h4 class=\"wp-block-heading\"><strong>En qu\u00e8 afecta l&#8217;import fixat de Responsabilitat Hipotec\u00e0ria al deutor?<\/strong><\/h4>\n\n<p>L&#8217;import de la<strong> Responsabilitat Hipotec\u00e0ria afecta directament l&#8217;inter\u00e8s del deutor<\/strong>, principalment en dos moments:<\/p>\n\n<p>En primer lloc, en constituir-se la hipoteca, ja que el <strong>seu import es fa servir com a base per calcular les despeses d&#8217;hipoteca<\/strong>. \u00c9s a dir, els aranzels notarials, registrals, aix\u00ed com l&#8217;impost sobre actes jur\u00eddics documentats. Conseg\u00fcentment, t\u00e9 efecte directe en el cost de l&#8217;operaci\u00f3.<\/p>\n\n<p>En segon lloc, <strong>\u00e9s important a l&#8217;hora d&#8217;executar-se la hipoteca (subhasta)<\/strong>. En aquest sentit, tenint en compte els elevats interessos de demora inclosos a la majoria d&#8217;hipoteques, sumat que \u00e9s el mateix banc qui determina unilateralment el saldo a causa del procediment d&#8217;execuci\u00f3, la fixaci\u00f3 d&#8217;una elevada responsabilitat hipotec\u00e0ria facilita que el banc acabi cobrant aquests elevats imports si el preu de venda de l&#8217;immoble a la subhasta ho permet.<\/p>\n\n<p>Evidentment, aix\u00f2 suposa un greu perjudici per al deutor, <strong>ja que es redueix el sobrant lliure de l&#8217;execuci\u00f3<\/strong> que podria rebre ell o els creditors de c\u00e0rregues posteriors.<\/p>\n\n<h4 class=\"wp-block-heading\"><strong>BBS Advocats, despatx de Barcelona especialitzat en execucions hipotec\u00e0ries.<\/strong><\/h4>\n\n<p>Tal com hem vist, la responsabilitat hipotec\u00e0ria \u00e9s una <strong>cl\u00e0usula inclosa en tots els pr\u00e9stecs hipotecaris<\/strong> de vital import\u00e0ncia. Tot i aix\u00f2, sol escapar de l&#8217;atenci\u00f3 de la majoria dels clients, pensant que \u00e9s un mer aspecte formal.<\/p>\n\n<p><\/p>\n\n<p>Des de <strong>BBS Advocats,<\/strong> despatx especialitzat en Dret Bancari , us podem ajudar en tot all\u00f2 relacionat amb la vostra hipoteca. A m\u00e9s, com a especialistes en execucions hipotec\u00e0ries, podem aconsellar-vos perqu\u00e8 el banc no inici\u00ef un procediment d&#8217;execuci\u00f3, o assessorar-vos durant el propi procediment per obtenir el resultat m\u00e9s benefici\u00f3s per a vost\u00e8. No dubti en contactar amb nosaltres escrivint-nos a <a href=\"mailto:bbsabogados@bbsabogados.com\">bbsabogados@bbsabogados.com<\/a> o trucant al 937605377.<\/p>\n\n<p><\/p>\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>La Responsabilitat Hipotec\u00e0ria \u00e9s un element de gran import\u00e0ncia a les hipoteques, que sol ser desconegut pels clients. La Responsabilitat Hipotec\u00e0ria \u00e9s una de les grans desconegudes en relaci\u00f3 amb els pr\u00e9stecs hipotecaris, tot i ser un element de vital import\u00e0ncia. Per aix\u00f2, en aquest article us expliquem qu\u00e8 \u00e9s la responsabilitat hipotec\u00e0ria, i quins [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":7721,"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":[288],"tags":[],"class_list":["post-7613","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-hipoteques-oposicions-i-negociacions"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Qu\u00e8 \u00e9s la Responsabilitat Hipotec\u00e0ria? - BBS Abogados<\/title>\n<meta name=\"description\" content=\"Qu\u00e8 \u00e9s la Responsabilitat Hipotec\u00e0ria? la 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