The new Law on Real Estate Credit Contracts will come into force on 16th June, in order to transpose the Directive 2014\/17\/EU of 4 February 2014 on credit agreements for consumers relating to residential immovable property.<\/p>\n
The law aims to enhance legal certainty and strengthen the protection of natural persons (even if they act as entrepreneurs) who are borrowers or guarantors of loans that are secured by mortgage or other security right on real estate for residential use (including garages and storage rooms with domestic function). It also applies to non-mortgage loans for the purpose of acquiring or retaining land or real estate built or to be built, provided that the borrower or guarantor is a consumer.<\/p>\n
Among new aspects of the law, a detailed pre-contractual phase is regulated, with mandatory notarial intervention. The borrower must appear before the notary, chosen by him, at the latest on the day before the granting of the loan public in order to obtain personal, free advice on different aspects of the loan contract and the obligations arising therefrom. The notary is required to draw up a deed, in which he documents the compliance with the time limits, the questions raised by the borrower and the advice given. Under no circumstances may this notarial deed be waived, as it will be an essential requirement for granting the loan deed.<\/p>\n
The new norm tries to avoid that unfair terms are introduced in the loan contracts establishing imperative norms on different issues; in particular we must emphasize the express prohibition of the \u201cfloor clauses\u201d and the regulation by law of the interest for late payment, without need of agreement, which will be the interest arising form remuneration plus three percentage points.<\/p>\n
Another remarkable change is the mandatory distribution of the expenses derived from the loans, so that the lender must pay the notary, the registry and the agency, and the borrower the appraisal. As for the tax on capital transfers and documented legal acts, it stipulates that payment will be made in accordance with the applicable tax regulations, which are now attributed to the financial institution.<\/p>\n
Finally, it should be noted that the law ends up resolving the controversial issue of early maturity, increasing the unpaid periods and amounts so that the mortgage creditor can initiate a foreclosure proceeding for the early maturity of the loan. Loans may only be declared past due when 3% of the principal loan or the equivalent of 12 instalments has failed to be paid during the first half of the total agreed term, or 7% or 15 instalments if the defaults occur during the second half of the loan term. We must hope that with the entry into force of the new Law on Real Estate Credit Contracts there will be an important change in our mortgage market, as it improves the position of debtors, with more protection and transparency, and ultimately contributes to greater legal certainty in this important area of contracting.<\/p>\n","protected":false},"excerpt":{"rendered":"
The new Law regulating Real Estate Credit Contracts aims to restore the confidence of borrowers, enhance legal certainty, transparency and understanding of contracts and its terms, as well as the fair balance between the parties. <\/p>\n","protected":false},"author":14,"featured_media":1700,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"
El pr\u00f3ximo 16 de junio entra en vigor la nueva Ley de Contratos de Cr\u00e9dito Inmobiliario que tiene por objeto la trasposici\u00f3n de la Directiva 2014\/17\/UE, de 4 de febrero de 2014, sobre los contratos de cr\u00e9dito celebrados con los consumidores para bienes inmuebles de uso residencial.<\/p>
La ley tiene como objetivo potenciar la seguridad jur\u00eddica y reforzar la protecci\u00f3n de las personas f\u00edsicas (aunque act\u00faen como empresarios) que sean prestatarios, fiadores o garantes, de pr\u00e9stamos que est\u00e9n garantizados mediante hipoteca u otro derecho real de garant\u00eda sobre bienes inmuebles de uso residencial (incluy\u00e9ndose garajes y trasteros con funci\u00f3n dom\u00e9stica). Se aplica tambi\u00e9n a pr\u00e9stamos no hipotecarios cuya finalidad sea adquirir o conservar terrenos o inmuebles construidos o por construir, siempre que el prestatario, el fiador o garante sea un consumidor.<\/p>
Entre los aspectos m\u00e1s novedosos de la ley se establece una regulaci\u00f3n detallada de la fase precontractual, con una obligatoria intervenci\u00f3n notarial. El prestatario deber\u00e1 comparecer ante el notario, por \u00e9l elegido, como m\u00e1s tarde el d\u00eda anterior al del otorgamiento de la escritura p\u00fablica de concesi\u00f3n del pr\u00e9stamo para obtener presencialmente asesoramiento gratuito sobre diferentes aspectos del contrato de pr\u00e9stamo y de las obligaciones derivadas del mismo. El notario deber\u00e1 redactar un acta, en la que dejar\u00e1 constancia del cumplimiento de los plazos, las cuestiones planteadas por el prestatario y el asesoramiento prestado. En ning\u00fan caso se podr\u00e1 renunciar a esta acta notarial, que ser\u00e1 requisito imprescindible para otorgar la escritura de pr\u00e9stamo.<\/p>
La nueva norma trata de evitar que se introduzcan cl\u00e1usulas abusivas en los contratos de pr\u00e9stamo estableciendo normas imperativas sobre numerosas cuestiones, en particular debemos destacar la prohibici\u00f3n expresa de las cl\u00e1usulas suelo y el establecimiento del inter\u00e9s de demora por ley, sin necesidad de pacto, en el inter\u00e9s remuneratorio m\u00e1s tres puntos porcentuales.<\/p>
Otra novedad destacable es la distribuci\u00f3n de forma imperativa de los gastos derivados de los pr\u00e9stamos, de forma que el prestamista debe pagar la notar\u00eda, el registro y la gestor\u00eda, y el prestatario la tasaci\u00f3n. En cuanto al impuesto de transmisiones Patrimoniales y Actos Jur\u00eddicos Documentados dispone que su pago se realizar\u00e1 conforme a la normativa tributaria aplicable, que recordemos ahora se atribuye a la entidad financiera.<\/p>
Finalmente conviene destacar que la ley acaba resolviendo el controvertido tema del vencimiento anticipado, aumentando los plazos y cantidades impagadas para que el acreedor hipotecario pueda iniciar la ejecuci\u00f3n por la deuda vencida anticipadamente. Los pr\u00e9stamos solo se podr\u00e1n declarar vencidos cuando se haya dejado de pagar un 3% del principal prestado o el equivalente a 12 cuotas durante la primera mitad del plazo total pactado, o un 7% o 15 cuotas si los impagos se producen durante la segunda mitad de duraci\u00f3n del pr\u00e9stamo.<\/p>
Debemos de esperar que, con la entrada en vigor de la nueva Ley de Contratos de Cr\u00e9dito Inmobiliario, se produzca un importante cambio en nuestro mercado hipotecario, pues mejora la posici\u00f3n de los deudores, con m\u00e1s protecci\u00f3n y transparencia, y en definitiva se contribuye a una mayor seguridad jur\u00eddica en este importante \u00e1mbito de contrataci\u00f3n.<\/p>","_et_gb_content_width":"","_mo_disable_npp":""},"categories":[75],"tags":[],"_links":{"self":[{"href":"https:\/\/grupogispert.com\/blog\/en\/wp-json\/wp\/v2\/posts\/1692"}],"collection":[{"href":"https:\/\/grupogispert.com\/blog\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/grupogispert.com\/blog\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/grupogispert.com\/blog\/en\/wp-json\/wp\/v2\/users\/14"}],"replies":[{"embeddable":true,"href":"https:\/\/grupogispert.com\/blog\/en\/wp-json\/wp\/v2\/comments?post=1692"}],"version-history":[{"count":2,"href":"https:\/\/grupogispert.com\/blog\/en\/wp-json\/wp\/v2\/posts\/1692\/revisions"}],"predecessor-version":[{"id":1810,"href":"https:\/\/grupogispert.com\/blog\/en\/wp-json\/wp\/v2\/posts\/1692\/revisions\/1810"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/grupogispert.com\/blog\/en\/wp-json\/wp\/v2\/media\/1700"}],"wp:attachment":[{"href":"https:\/\/grupogispert.com\/blog\/en\/wp-json\/wp\/v2\/media?parent=1692"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/grupogispert.com\/blog\/en\/wp-json\/wp\/v2\/categories?post=1692"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/grupogispert.com\/blog\/en\/wp-json\/wp\/v2\/tags?post=1692"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}