{"id":9027774,"date":"2019-07-31T09:00:22","date_gmt":"2019-07-31T08:00:22","guid":{"rendered":"http:\/\/gremicat.es\/?p=13296"},"modified":"2019-07-31T09:00:22","modified_gmt":"2019-07-31T08:00:22","slug":"pagar-despeses-constitucio-hipoteca","status":"publish","type":"post","link":"https:\/\/www.gremicat.es\/ca\/pagar-despeses-constitucio-hipoteca\/","title":{"rendered":"Qui ha de pagar les despeses de constituci\u00f3 de la hipoteca?"},"content":{"rendered":"

La Llei 5\/2019 reguladora dels contractes de cr\u00e8dit immobiliari s’aclareix definitivament qui ha de pagar les despeses de constituci\u00f3 d’una hipoteca<\/span><\/span><\/p>\n

\u00a0[texto_central]<\/p>\n

la nova Llei reguladora va entrar en vigor el 16 de juny de 2019<\/h2>\n

Amb l’aprovaci\u00f3 de la Llei 5\/2019 reguladora dels contractes de cr\u00e8dit immobiliari (coneguda com la nova \u0093Llei Hipotec\u00e0ria\u0094), que ha entrat en vigor el passat 16 de juny de 2019, s’aclareix definitivament qui ha de pagar les despeses de constituci\u00f3 d’una hipoteca, el banc o el client.<\/p>\n

Com ja li hem vingut informant, recentment s’ha publicat al BOE de 16 de mar\u00e7 de 2019 la Llei 5\/2019, de 15 de mar\u00e7, reguladora dels contractes de cr\u00e8dit immobiliari (coneguda com la nova “Llei Hipotec\u00e0ria”), entre altres mesures, aclareix definitivament qui ha de pagar les despeses de constituci\u00f3 d’una hipoteca, si el banc o el client.<\/p>\n

A qui correspon les despeses del pr\u00e9stec a partir del 16 de juny de 2019?<\/h4>\n

La Llei estableix les despeses que corresponen al banc i els que corresponen al client, que es comprovaran pel notari que autoritzi l’escriptura.<\/p>\n

En concret, les despeses es distribuiran de la seg\u00fcent manera:<\/p>\n

– Notari. El banc haur\u00e0 de pagar l’aranzel notarial de l’escriptura de pr\u00e9stec hipotecari (les c\u00f2pies, qui les sol\u00b7liciti).<\/p>\n

– Registre i gestoria. El banc tamb\u00e9 assumir\u00e0 les despeses d’inscripci\u00f3 de la hipoteca en el Registre, aix\u00ed com els de gestoria.<\/p>\n

– Impost. Respecte a l’Impost sobre Actes Jur\u00eddics Documentats (AJD), aquesta llei es remet a la normativa fiscal, que en l’actualitat estableix que ha de pagar-ho el banc.<\/p>\n

– Taxaci\u00f3. L’\u00fanic cost que anir\u00e0 a c\u00e0rrec del client \u00e9s la despesa de taxaci\u00f3 de l’immoble. Aix\u00ed mateix, es permet que el banc cobri una comissi\u00f3 d’obertura, per\u00f2 aquesta ha d’englobar totes les despeses d’estudi, tramitaci\u00f3 o concessi\u00f3 del pr\u00e9stec.<\/p>\n

Respecte a les hipoteques anteriors, el Tribunal Suprem va dictaminar (sent\u00e8ncia de 23-01-2019) que, en relaci\u00f3 amb les despeses de notari, el cost de la matriu de l’escriptura s’havia de pagar per meitats (les c\u00f2pies, qui les sol\u00b7licit\u00e9s), que el banc havia de pagar les despeses d’inscripci\u00f3 en el Registre, i que les despeses de gestoria es repartien al 50%. Per tant:<\/p>\n

– Si en el passat va signar una hipoteca i va assumir la totalitat d’aquestes despeses, reclami extrajudicialment la devoluci\u00f3 seguint els criteris exposats<\/p>\n

– Despr\u00e9s de l’esmentada sent\u00e8ncia, \u00e9s possible que els bancs acceptin aquesta devoluci\u00f3.<\/p>\n

Per a ampliar aquesta informaci\u00f3 consulti amb Assessoria jur\u00eddica<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

La Llei 5\/2019 reguladora dels contractes de cr\u00e8dit immobiliari s’aclareix definitivament qui ha de pagar les despeses de constituci\u00f3 d’una …<\/span><\/p>\n","protected":false},"author":1,"featured_media":9027775,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[867,1],"tags":[],"class_list":["post-9027774","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fiscal","category-sin-categoria"],"yoast_head":"\nQui ha de pagar les despeses de constituci\u00f3 de la hipoteca? - gremicat<\/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:\/\/www.gremicat.es\/ca\/pagar-despeses-constitucio-hipoteca\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Qui ha de pagar les despeses de constituci\u00f3 de la hipoteca? 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