{"id":25438,"date":"2020-02-28T15:11:38","date_gmt":"2020-02-28T13:11:38","guid":{"rendered":"https:\/\/webvella.pretaportercasas.com\/\/?p=25438"},"modified":"2020-02-28T15:17:16","modified_gmt":"2020-02-28T13:17:16","slug":"els-canvis-de-lultima-llei-hipotecaria-que-has-de-coneixer","status":"publish","type":"post","link":"https:\/\/preweb.pretaportercasas.com\/ca\/els-canvis-de-lultima-llei-hipotecaria-que-has-de-coneixer\/","title":{"rendered":"Els canvis de l\u2019\u00faltima Llei Hipotec\u00e0ria que has de con\u00e8ixer"},"content":{"rendered":"

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Si necessites finan\u00e7ament per fer realitat la casa els teus somnis<\/strong>, aquest article t\u2019interessa. La nostra \u00e0rea de formalitzaci\u00f3 hipotec\u00e0ria<\/a> resumeix, prop d\u2019un any despr\u00e9s de l\u2019aprovaci\u00f3 de la Llei Hipotec\u00e0ria 5\/2019 del 15 mar\u00e7 del 2019, els principals canvis que ha implicat la nova legislaci\u00f3. Con\u00e8ixer cada pas per finan\u00e7ar la teva futura casa \u00e9s fonamental per encarar el proc\u00e9s amb il\u00b7lusi\u00f3 i seguretat. Ens acompanyes en el recorregut?<\/p>\n

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A grans trets, la Llei Hipotec\u00e0ria s\u2019articula en 4 grans punts:<\/p>\n

    \n
  1. Allargament dels timings<\/em><\/strong> de contractaci\u00f3<\/li>\n
  2. Novetats documentals<\/strong>: FEIN, acta notarial pr\u00e8via, etc.<\/li>\n
  3. Certificacions professionals<\/strong> a nivell europeu.<\/li>\n
  4. Regulaci\u00f3<\/strong> de comissions i cl\u00e0usules.<\/li>\n<\/ol>\n

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    Timings de contractaci\u00f3<\/strong><\/h2>\n

    Conv\u00e9 tenir en compte que la Llei hipotecaria actual alenteix els terminis de contractaci\u00f3 respecte a la llei anterior degut als requisits de compliment dels passos que veurem a continuaci\u00f3. No obstant, quan coneixes els terminis i processos, tot \u00e9s molt m\u00e9s \u00e0gil i m\u00e9s senzill del que pot semblar en un primer cop d\u2019ull.<\/p>\n

    Plantejament de l’operaci\u00f3<\/strong><\/h3>\n

    Si busques finan\u00e7ament, en el moment de fer una visita a la sucursal banc\u00e0ria haur\u00e0s de plantejar els n\u00fameros de l\u2019operaci\u00f3 de finan\u00e7ament. \u00c9s a dir: capital de fons propis aportat, necessitat de finan\u00e7ament, prefer\u00e8ncies pel que fa al termini, tipus d\u2019inter\u00e8s, etc. La bona noticia \u00e9s que el departament de Formalitzaci\u00f3 Hipotec\u00e0ria de PMP pot realitzar aquesta gesti\u00f3 per estalviar-te visites a diferents sucursals. Tamb\u00e9 pot dirigir l\u2019operaci\u00f3 a les entitats on hi trobi un millor encaix i estalviar-te la documentaci\u00f3 laboral i econ\u00f2mica (digitalitzada) per via telem\u00e0tica.<\/p>\n

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    Scoring del client per part de l’entitat<\/strong><\/h4>\n

    Un cop aportada tota la informaci\u00f3, l\u2019oficina banc\u00e0ria fa un scoring del client. \u00c9s a dir, determina el teu perfil econ\u00f2mic tenint en compte factors com: possible endeutament, situaci\u00f3 laboral, antiguitat, etc.<\/p>\n

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    Projecte, taxaci\u00f3 i llic\u00e8ncia d’obres<\/strong><\/h4>\n

    De forma paral\u00b7lela a aquesta tramitaci\u00f3 banc\u00e0ria, des de PMP podrem avan\u00e7ar en altres processos necessaris: creaci\u00f3 dels projecte b\u00e0sic i executiu, sol\u00b7licitud de la llic\u00e8ncia d\u2019obres, etc. A m\u00e9s, pel que fa a Formalitzaci\u00f3 Hipotec\u00e0ria, encarreguem la taxaci\u00f3 a una societat oficial homologada pel Banc d\u2019Espanya i l\u2019informe de taxaci\u00f3 resultant s\u2019aportar\u00e0 a l\u2019entitat banc\u00e0ria, aix\u00ed com la llic\u00e8ncia d\u2019obres un cop emesa per l\u2019Ajuntament corresponent. Aquests seran els \u00faltims documents necessaris per tal de presentar l\u2019operaci\u00f3 al departament de riscos de l\u2019entitat banc\u00e0ria i esperar la seva aprovaci\u00f3.<\/p>\n

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    Preus definitius<\/strong><\/h4>\n

    En el moment en que l\u2019entitat banc\u00e0ria rep la documentaci\u00f3 \u00e9s quan Riscos emet el seu dictamen i quan els preus de l\u2019operaci\u00f3 es fixen com a definitius. Qualsevol canvi de tarifes del Banc amb car\u00e0cter previ a aquesta sanci\u00f3 de Riscos, afectar\u00e0 el tipus d\u2019inter\u00e8s i\/o comissions i far\u00e0 variar la quota del pr\u00e9stec. Per tant, els preus que obtens a les visites inicials a la sucursal no tenen per qu\u00e8 coincidir amb els que es tancaran, ja que en el per\u00edode de temps entre un moment i altre les entitats poden modificar les tarifes.<\/p>\n

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    Emissi\u00f3 de la FEIN<\/strong><\/h4>\n

    Amb la sanci\u00f3 de Riscos, el departament de Formalitzaci\u00f3 de l\u2019entitat banc\u00e0ria ha d\u2019emetre una s\u00e8rie de documentaci\u00f3 (regulada en la llei hipotec\u00e0ria de l\u2019any 2019) que inclou:<\/p>\n

      \n
    • la FEIN (Fitxa Europea d\u2019Informaci\u00f3 Normalitzada)<\/li>\n
    • la FIAE (Fitxa d\u2019Advert\u00e8ncies Estandarditzades)<\/li>\n
    • l\u2019esborrany de l\u2019escriptura de pr\u00e9stec<\/li>\n
    • una simulaci\u00f3 de la variabilitat de quotes<\/li>\n
    • una s\u00e8rie de documents referents a l\u2019assessorament rebut per part de l\u2019entitat.<\/li>\n<\/ul>\n

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      \u00bfQu\u00e8 es la FEIN? <\/strong>\u00c9s el nou document que recull totes les particularitats del pr\u00e9stec a contractar. Ha de coincidir amb l\u2019esborrany de l\u2019escriptura i amb la informaci\u00f3 que llegir\u00e0 el Notari tant en l\u2019acta pr\u00e8via com el dia de la firma del pr\u00e9stec.<\/p>\n

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      Termini legal per la firma<\/strong><\/h4>\n

      Un cop hagis signat la FEIN i la resta de documentaci\u00f3 annexa, tens un termini de 14 dies per repassar la documentaci\u00f3 abans de firmar l\u2019escriptura de pr\u00e9stec. En cap cas podr\u00e0 signar el pr\u00e9stec abans dels 14 dies. Dins d\u2019aquests 14 dies haur\u00e0s d\u2019anar a la Notaria per rebre assessorament i firmar una acta pr\u00e8via, en que el Notari repassar\u00e0 les condicions del pr\u00e9stec a contractar. Aquesta acta pr\u00e8via s\u2019ha de fer sempre amb un m\u00ednim de 24 hores d\u2019antelaci\u00f3 a la firma de l\u2019escriptura.<\/p>\n

      Aix\u00ed doncs, per la firma d\u2019un pr\u00e9stec hipotecari s\u2019ha de visitar la Notaria dues vegades. La firma del pr\u00e9stec mai podr\u00e0 ser abans de 14 dies, i la de l\u2019acta s\u2019ha de fer com a m\u00ednim 24 hores abans del pr\u00e9stec.<\/p>\n

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      Resum dels terminis<\/strong><\/h4>\n

      L\u2019afectaci\u00f3 de la Llei hipotec\u00e0ria del 2019 als terminis del projecte \u00e9s la seg\u00fcent:<\/p>\n

        \n
      • Es produeix una dilataci\u00f3 del proc\u00e9s de contractaci\u00f3.<\/strong> Abans el client visitava la sucursal, s\u2019enviava la documentaci\u00f3 a Riscos, obtenien l\u2019oferta vinculant i al dia seg\u00fcent podien firmar. En tres setmanes \/ un mes es podia tramitar un pr\u00e9stec hipotecari.<\/li>\n
      • Ara, en canvi, cal un m\u00ednim de mes i mig, que a la pr\u00e0ctica es converteix en m\u00ednim dos mesos <\/strong>si no hi ha entrebancs i sense comptar el temps que cal per obtenir llic\u00e8ncia d\u2019obres.<\/li>\n
      • La validaci\u00f3 de taxacions i l\u2019emissi\u00f3 de la documentaci\u00f3 per part de gestories externes dels Bancs, han fet que s\u2019allargui el proc\u00e9s de contractaci\u00f3 degut a uns processos de moment molt lents per part de tercers.<\/li>\n<\/ul>\n

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        Si requereixes el nostre servei d\u2019assessorament en la formalitzaci\u00f3, a PMP et prepararem l\u2019estudi financer des del moment en que firmes el contracte. D\u2019aquesta manera, treballarem el projecte b\u00e0sic i l\u2019executiu de forma paral\u00b7lela al finan\u00e7ament de l\u2019obra, i podr\u00e0s contractar el pr\u00e9stec hipotecari en el mateix moment de l\u2019obtenci\u00f3 de la llic\u00e8ncia d\u2019obres.<\/strong><\/h3>\n

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        Novetats documentals<\/strong><\/h2>\n

        Repassem el glossari de documentaci\u00f3 necess\u00e0ria.<\/p>\n

        FEIN<\/strong><\/h3>\n

        \u00c9s el document que substitueix l\u2019oferta vinculant \/ FIPER. Ara compta amb un format homogeni i regulat a nivell europeu. Consta la informaci\u00f3 personalitzada del pr\u00e9stec hipotecari. Mentre que la FEIN s\u00ed \u00e9s vinculant, la FIPER no ho era.<\/p>\n

        FIAE<\/strong><\/h3>\n

        Aquest document \u00e9s un complement al FEIN i desglossa les informacions i dades comunes als pr\u00e9stecs hipotecaris d\u2019aquella entitat. No \u00e9s informaci\u00f3 personalitzada, sin\u00f3 comuna.<\/p>\n

        Acta pr\u00e8via<\/strong><\/h3>\n

        Com ja hem avan\u00e7at, abans de la firma del pr\u00e9stec has de rebre l\u2019assessorament notarial i firmar una acta on hi constaran totes les condicions particulars i generals del pr\u00e9stec hipotecari. Tamb\u00e9 realitzar\u00e0s un test de coneixement del producte a contractar, que s\u2019incorporar\u00e0 a l\u2019acta i que \u00e9s d\u2019obligada aprovaci\u00f3.<\/p>\n

        El test notarial<\/strong><\/h3>\n

        \u00c9s una de les novetats de la Llei del 2019. Son una s\u00e8rie de preguntes que haur\u00e0s de respondre de forma correcta per tal d\u2019accedir a la contractaci\u00f3 del pr\u00e9stec. Les preguntes poden incloure aquestes q\u00fcestions, entre d\u2019altres:<\/p>\n

          \n
        • Has rebut tota la documentaci\u00f3, has estat pr\u00e8viament informat per l\u2019entitat i han donat resposta a totes les seves preguntes?<\/li>\n
        • Coneixes el capital, la durada, i l\u2019import i periodicitat de les quotes?<\/li>\n
        • Hi ha bonificacions?<\/li>\n
        • Coneixes i comprens que els tipus poden variar al llarg del temps i aix\u00f2 pot suposar un increment de la quota?<\/li>\n
        • Respons a aquest deute amb tots els teus b\u00e9ns o nom\u00e9s amb l\u2019hipotecat?<\/li>\n<\/ul>\n

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          Certificacions professionals<\/strong><\/h2>\n

          La nova llei obliga a una formaci\u00f3 m\u00ednima per qualsevol treballador d\u2019una entitat banc\u00e0ria, assessoria, intermediadora, o qualsevol altra entitat que informi i\/o assessori sobre pr\u00e9stecs hipotecaris. Aix\u00ed, segons les funcions a desenvolupar existeixen diferents certificacions. L\u2019EFPA (European Financial Planning Association) recull les seg\u00fcents certificacions:<\/p>\n

            \n
          • EFP (European Financial Planner)<\/li>\n
          • EFA (European Financial Advisor)<\/li>\n
          • EIP (European Investment Practitioner)<\/li>\n
          • EIA (European Investment Assistant)<\/li>\n
          • LCCI (Llei de Contractes de Cr\u00e8dit Immobiliari)<\/li>\n<\/ul>\n

            Aquestes certificacions s\u2019assignen segons les funcions a desenvolupar pel candidat. La certificaci\u00f3 de la LCCI \u00e9s el nivell m\u00ednim que un assessor extern a una entitat banc\u00e0ria ha d\u2019obtenir per tal de poder operar.[\/vc_column_text][\/vc_column][\/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″ shape_divider_position=”bottom”][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][vc_column_text]<\/p>\n

            Regulaci\u00f3 de comissions i cl\u00e0usules<\/strong><\/h2>\n

            La llei continua el cam\u00ed inicial a les anteriors reformes, regulant i limitant encara m\u00e9s les condicions banc\u00e0ries pel que respecta a amortitzacions anticipades, impagament, despeses, etc. Aquesta regulaci\u00f3 \u00e9s for\u00e7a \u00e0mplia i li dedicarem espai en un post referent al funcionament del pr\u00e9stec auto-promotor.[\/vc_column_text][\/vc_column][\/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″ shape_divider_position=”bottom”][vc_column width=”1\/6″ column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][\/vc_column][vc_column width=”2\/3″][vc_column_text]Esperem que aquesta informaci\u00f3 hagi estat d\u2019utilitat per con\u00e8ixer els diferents passos implicats en el finan\u00e7ament hipotecari. S\u00f3n uns tr\u00e0mits que, amb l\u2019ajuda del nostre equip, seran m\u00e9s \u00e0gils i eficients. Si encara tens dubtes, a l\u2019\u00e0rea d\u2019assessorament hipotecari estarem encantats d\u2019ajudar-te.[\/vc_column_text][\/vc_column][vc_column width=”1\/6″][\/vc_column][\/vc_row][vc_row content_aligment=”center” type=”in_container” full_screen_row_position=”middle” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″ shape_divider_position=”bottom”][vc_column width=”1\/3″ column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid” css=”.vc_custom_1582893450742{background-color: #ffffff !important;}”][\/vc_column][vc_column width=”1\/3″][edgtf_button size=”” type=”” target=”_self” icon_pack=”” font_weight=”” text=”Contacta’ns” link=”Esperem que aquesta informaci\u00f3 hagi estat d\u2019utilitat per con\u00e8ixer els diferents passos implicats en el finan\u00e7ament hipotecari. S\u00f3n uns tr\u00e0mits que, amb l\u2019ajuda del nostre equip, seran m\u00e9s \u00e0gils i eficients. Si encara tens dubtes, a l\u2019\u00e0rea d\u2019assessorament hipotecari estarem encantats d\u2019ajudar-te.”][\/vc_column][vc_column width=”1\/3″][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"

            [vc_row type=”in_container” full_screen_row_position=”middle” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″ shape_divider_position=”bottom”][vc_column width=”1\/6″ column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][\/vc_column][vc_column width=”2\/3″][vc_column_text] Si necessites finan\u00e7ament per fer realitat la casa els teus somnis, aquest article t\u2019interessa. La nostra \u00e0rea de formalitzaci\u00f3 hipotec\u00e0ria resumeix, prop d\u2019un any despr\u00e9s de l\u2019aprovaci\u00f3 de la Llei Hipotec\u00e0ria 5\/2019 del 15 mar\u00e7 […]<\/p>\n","protected":false},"author":7,"featured_media":25446,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"categories":[416],"tags":[802],"class_list":["post-25438","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticies","tag-ley-hipotecaria-ca"],"yoast_head":"\nEls canvis de l\u2019\u00faltima Llei Hipotec\u00e0ria que has de con\u00e8ixer<\/title>\n<meta name=\"description\" content=\"Si necessites finan\u00e7ament per fer realitat la casa els teus somnis, aquest article t\u2019interessa. 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