{"id":8102,"date":"2023-04-04T18:23:48","date_gmt":"2023-04-04T16:23:48","guid":{"rendered":"https:\/\/www.bbsabogados.com\/nullitat-de-la-fianca-dun-credit-ico\/"},"modified":"2026-03-06T06:18:04","modified_gmt":"2026-03-06T05:18:04","slug":"nullitat-de-la-fianca-dun-credit-ico","status":"publish","type":"post","link":"https:\/\/www.bbsabogados.com\/ca\/nullitat-de-la-fianca-dun-credit-ico\/","title":{"rendered":"Nul\u00b7litat de la Fian\u00e7a d’un Cr\u00e8dit ICO"},"content":{"rendered":"\n

La responsabilitat del fiador \u00e9s solid\u00e0ria i no es limita al 20%, malgrat l’aval del 80% de l’Estat.<\/strong><\/h3>\n\n

Quan es va declarar del primer Estat d’alarma, el Govern va aprovar una l\u00ednia L\u00ednia d’Avals de l’Estat<\/a> de fins a 100.000 milions d’euros, pensats per a aut\u00f2noms i empreses directament afectats per la crisi econ\u00f2mica derivada del Covid-19,<\/strong> perqu\u00e8 es poguessin recuperar de la pand\u00e8mia i mantenir l’activitat de l’empresa. En conseq\u00fc\u00e8ncia, l’Institut <Cr\u00e8dit Oficial (ICO) es va comprometre a avalar fins al 80% dels pr\u00e9stecs<\/strong> que complissin els requisits exigits. Tot i aix\u00f2, moltes entitats financeres van exigir addicionalment que els socis i\/o administradors de les empreses sol\u00b7licitants fossin tamb\u00e9 fiadors solidaris<\/strong>. En aquest article, examinarem la Nul\u00b7litat de la Fian\u00e7a d’un Cr\u00e8dit ICO.<\/strong><\/p>\n\n

Qu\u00e8 <\/strong> s\u00f3n els Cr\u00e8dits ICO?<\/h4>\n\n

Els cr\u00e8dits ICO<\/strong> s\u00f3n pr\u00e9stecs concedits per les entitats financeres amb l’aval de l’Estat, concretament de l’Institut del Cr\u00e8dit Oficial (ICO), que respon en cas que el deutor no pugui satisfer el deute.<\/p>\n\n

Quin \u00e9s el problema dels Cr\u00e8dits ICO?<\/strong><\/h4>\n\n

El problema \u00e9s determinat per la mala praxi<\/strong> de les entitats financeres.<\/p>\n\n

Tot i l’aval del 80% de l’ICO, les entitats financeres van exigir els socis i\/o administradors de les empreses prestat\u00e0ries que tamb\u00e9 fossin fiadors solidaris<\/strong>. Aix\u00ed mateix, els bancs no van informar els empresaris sol\u00b7licitants que l’aval de l’ICO nom\u00e9s actuava de manera subsidi\u00e0ria<\/strong>. \u00c9s a dir, quan s’hagin executat tots els b\u00e9ns de l’empresa i el fiador.<\/p>\n\n

Per tant, \u00e9s evident que l’aval de l’Estat es tracta d’una mesura que beneficia<\/strong> exclusivament els bancs -que tenen garantit recuperar almenys aquest 80% del deute-, i no les empreses.<\/p>\n\n

La responsabilitat del fiador es limita al 20%?<\/strong><\/h4>\n\n

No. Encara que l’Estat avali el 80% del deute, aix\u00f2 no vol dir que els fiadors responguin nom\u00e9s del 20%, malgrat que les entitats financeres van transmetre el contrari.<\/p>\n\n

La realitat \u00e9s que la responsabilitat del fiador \u00e9s del 100% i, a m\u00e9s a m\u00e9s, solid\u00e0ria.<\/strong> En canvi, l’aval de l’Estat \u00e9s subsidiari i \u00e9s limitat al 80%. En altres paraules, nom\u00e9s en cas que a l’empresa i als fiadors no els quedin b\u00e9ns amb qu\u00e8 fer front el deute, respondr\u00e0 l’Estat.<\/p>\n\n

Com \u00e9s de veure, i tal com ja hem subratllat, els Cr\u00e8dits ICO estan dissenyats per afavorir les entitats financeres, i no els fiadors.<\/p>\n\n

\u00c9s nul\u00b7la la fian\u00e7a dels Cr\u00e8dits ICO?<\/strong><\/h4>\n\n

La manca d’informaci\u00f3 precontractual i contractual per part de les entitats financeres, unida a la campanya de comunicaci\u00f3 del Govern, va comportar que molts empresaris que van sol\u00b7licitar aquests cr\u00e8dits no fossin coneixedors que garantien el 100% del pr\u00e9stec, i que l’aval de l’Estat era nom\u00e9s subsidiari.<\/p>\n\n

Aquest error en el consentiment sofert<\/strong> pels sol\u00b7licitants de Cr\u00e8dits ICO, abocaria la nul\u00b7litat de la fian\u00e7a del cr\u00e8dit ICO o de l’aval personal.<\/strong><\/p>\n\n

A m\u00e9s, cal posar \u00e8mfasi en la mala praxi per part dels bancs, ja que en molts casos les entitats van endossar els cr\u00e8dits ICO a empreses que ja tenien concedits amb anterioritat pr\u00e9stecs sense aval, recomanant cancel\u00b7lar aquests pr\u00e9stecs per subscriure els cr\u00e8dits ICO amb fiances solid\u00e0ries.<\/p>\n\n

Advocats Cr\u00e8dits ICO Covid-19.<\/h4>\n\n

A BBS Advocats som experts en Dret Bancari i Financer, avalant-nos una experi\u00e8ncia de m\u00e9s de 25 anys. No dubteu a contactar amb nosaltres per a qualsevol consulta relacionada amb pr\u00e9stecs ICO per Covid-19 d’empreses i aut\u00f2noms. Podeu emplenar el formulari web, trucar-nos al 93 760 53 77 o escriure’ns a bbsabogafos@bbsabogados.com<\/p>\n\n

<\/p>\n\n

\u00a0<\/p>\n\n

<\/p>\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

La responsabilitat del fiador \u00e9s solid\u00e0ria i no es limita al 20%, malgrat l’aval del 80% de l’Estat. Quan es va declarar del primer Estat d’alarma, el Govern va aprovar una l\u00ednia L\u00ednia d’Avals de l’Estat de fins a 100.000 milions d’euros, pensats per a aut\u00f2noms i empreses directament afectats per la crisi econ\u00f2mica derivada […]<\/p>\n","protected":false},"author":3,"featured_media":7726,"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":[269,341],"tags":[],"class_list":["post-8102","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticies-juridiques-novetats-legals-rellevants","category-noticies-juridiques"],"acf":[],"yoast_head":"\nNul\u00b7litat de la Fian\u00e7a d'un Cr\u00e8dit ICO<\/title>\n<meta name=\"description\" content=\"Nul\u00b7litat de la fian\u00e7a d'un Cr\u00e8dit ICO Covid 19. 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