{"id":2888,"date":"2018-01-26T09:00:28","date_gmt":"2018-01-26T09:00:28","guid":{"rendered":"https:\/\/www.santcugatconsulting.com\/?p=2888\/"},"modified":"2018-01-18T13:30:39","modified_gmt":"2018-01-18T13:30:39","slug":"despeses-hipotecaries-reclamar","status":"publish","type":"post","link":"https:\/\/santcugatconsulting.com\/ca\/despeses-hipotecaries-reclamar\/","title":{"rendered":"Despeses hipotec\u00e0ries: Qu\u00e8 son i c\u00f3m reclamar"},"content":{"rendered":"<p>A aquesta entrada breu us expliquem qu\u00e8 s\u00f3n les despeses hipotec\u00e0ries, quines poden reclamar-se i com fer-ho.\u00a0<!--more--><\/p>\n<h3>Qu\u00e8 s\u00f3n les despeses hipotec\u00e0ries i quines puc reclamar?<\/h3>\n<p>A partir de la Sent\u00e8ncia del <a href=\"http:\/\/www.poderjudicial.es\/search\/documento\/TS\/7580921\/Clausulas%20abusivas\/20160122\"> Tribunal Suprem 705\/2015 <\/a> de 23 de desembre, <strong> es considera NUL\u00b7LA\u00a0\u00a0<strong>la cl\u00e0usula que obliga els que van signar un pr\u00e9stec hipotecari, a pagar totes les despeses relatives a la constituci\u00f3 i inscripci\u00f3 de la hipoteca.\u00a0<\/strong><\/strong><\/p>\n<p>Es considera que <strong> l&#8217;interessat a la constituci\u00f3 notarial i inscripci\u00f3 de la hipoteca <strong> \u00e9s la pr\u00f2pia entitat banc\u00e0ria PRESTADOR, i per tant no al que se li concedeix el pr\u00e9stec: el consumidor prestatari .<\/strong><\/strong><\/p>\n<p>\u00c9s per aix\u00f2 pel que a partir d&#8217;aquest moment s&#8217;han dictat m\u00faltiples sent\u00e8ncies reconeixent l&#8217;obligatorietat de les entitats banc\u00e0ries d&#8217;assumir les despeses seg\u00fcents:<\/p>\n<ul>\n<li>Honoraris Notari per la formalitzaci\u00f3 del pr\u00e9stec hipotecari<\/li>\n<li>Honoraris Registre Propietat de la inscripci\u00f3 de la c\u00e0rrega hipotec\u00e0ria<\/li>\n<li>Pagament de l&#8217;Impost d&#8217;AJD<\/li>\n<\/ul>\n<p>Despeses de gestoria per la tramitaci\u00f3 registral i liquidaci\u00f3 o presentaci\u00f3 de l&#8217;impost<\/p>\n<h3><\/h3>\n<h3>Quines despeses hipotec\u00e0ries no s\u00f3n reclamables?<\/h3>\n<p>No podran reclamar-se <strong> les despeses referents a l&#8217;escriptura de compravenda i inscripci\u00f3 i impostos corresponent a la mateixa.\u00a0<\/strong><\/p>\n<h3><\/h3>\n<h3>Quins passos he de fer per reclamar les despeses hipotec\u00e0ries?<\/h3>\n<p>En cas d&#8217;haver satisfet les despeses esmentades sobre el pr\u00e9stec hipotecari i a fi d&#8217;examinar la possibilitat d&#8217;\u00e8xit de la reclamaci\u00f3, cal revisar la documentaci\u00f3 seg\u00fcent:<\/p>\n<ul>\n<li>Escriptura del pr\u00e9stec hipotecari<\/li>\n<li>Factures de Not\u00e0ria, registre, gestoria<\/li>\n<li>L&#8217;impost AJD. (Model 390)<\/li>\n<\/ul>\n<p>Et recomanem que et deixis assessorar per un expert respecte a la viabilitat del teu reclamaci\u00f3. A <a href=\"https:\/\/santcugatconsulting.com\/servicios\/asesoria-juridica-procesal\/\"> Sant Cugat Consulting <\/a> estem a la teva disposici\u00f3 per ajudar-te amb el procediment, per recuperar les despeses que vas pagar a l&#8217;hora de signar la hipoteca.<\/p>\n<span class='highlight'> Aquesta not\u00edcia cont\u00e9 informaci\u00f3 de car\u00e0cter general, sense que constitueixi opini\u00f3 professional ni assessoria jur\u00eddica i fiscal. Per a qualsevol consulta <a href=\"https:\/\/santcugatconsulting.com\/contacto\/\"> contacti amb nosaltres <\/a>. <\/span>\n","protected":false},"excerpt":{"rendered":"<p>A aquesta entrada breu us expliquem qu\u00e8 s\u00f3n les despeses hipotec\u00e0ries, quines poden reclamar-se i com fer-ho.\u00a0<\/p>\n","protected":false},"author":7,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[97,102,2],"tags":[315,313,309,308,314],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Despeses hipotec\u00e0ries: Qu\u00e8 son i c\u00f3m reclamar | Sant Cugat Consulting<\/title>\n<meta name=\"description\" content=\"Una breu entrada per aclarir quines despeses hipotec\u00e0ries poden reclamar-se, quins no poden reclamar-se i com procedir a la reclamaci\u00f3.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/santcugatconsulting.com\/ca\/despeses-hipotecaries-reclamar\/\" \/>\n<meta name=\"twitter:label1\" content=\"Escrit per\" \/>\n\t<meta name=\"twitter:data1\" content=\"Talenom Sant Cugat\" \/>\n\t<meta name=\"twitter:label2\" content=\"Temps estimat de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minuts\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/santcugatconsulting.com\/ca\/despeses-hipotecaries-reclamar\/\",\"url\":\"https:\/\/santcugatconsulting.com\/ca\/despeses-hipotecaries-reclamar\/\",\"name\":\"Despeses hipotec\u00e0ries: Qu\u00e8 son i c\u00f3m reclamar | Sant Cugat Consulting\",\"isPartOf\":{\"@id\":\"https:\/\/santcugatconsulting.com\/ca\/#website\"},\"datePublished\":\"2018-01-26T09:00:28+00:00\",\"dateModified\":\"2018-01-18T13:30:39+00:00\",\"author\":{\"@id\":\"https:\/\/santcugatconsulting.com\/ca\/#\/schema\/person\/b81c8de0bbc77b1f011eb24291185c9d\"},\"description\":\"Una breu entrada per aclarir quines despeses hipotec\u00e0ries poden reclamar-se, quins no poden reclamar-se i com procedir a la reclamaci\u00f3.\",\"inLanguage\":\"ca\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/santcugatconsulting.com\/ca\/despeses-hipotecaries-reclamar\/\"]}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/santcugatconsulting.com\/ca\/#website\",\"url\":\"https:\/\/santcugatconsulting.com\/ca\/\",\"name\":\"Sant Cugat Consulting\",\"description\":\"Asesoramiento jur\u00eddico, laboral, fiscal y contable para aut\u00f3nomos, pymes y grandes empresas. 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