{"id":390,"date":"2018-02-19T13:35:30","date_gmt":"2018-02-19T12:35:30","guid":{"rendered":"https:\/\/fincasolle.com\/wordpress\/?p=390"},"modified":"2023-05-19T14:35:52","modified_gmt":"2023-05-19T14:35:52","slug":"que-es-una-carga-hipotecaria","status":"publish","type":"post","link":"https:\/\/fincasolle.com\/?p=390","title":{"rendered":"\u00bfQu\u00e9 es una carga hipotecaria?"},"content":{"rendered":"<p>Has elegido una vivienda y has decidido comprar, \u00bfahora qu\u00e9? En <strong>Finques Oll\u00e9<\/strong> queremos explicarte lo que debes hacer.<\/p>\n<p>Una vez elegida una vivienda lo siguiente que deber\u00edas hacer es acercarte al Registro de Propiedad y solicitar la nota que hace constar que dicha propiedad no posee ning\u00fan tipo de carga inscrita en ella.<\/p>\n<p>Las cargas son arreglos mediante los cuales el propietario adquiere algunas deudas u obligaciones a trav\u00e9s de su vivienda, estas pueden pasar de un propietario a otro en caso de una venta, por lo que acudir al registro y conocer de antemano si existe alguna, puede ahorrarnos muchos dolores de cabeza.\u00a0<strong>Varios tipos de cargas pueden pesar sobre una vivienda<\/strong>, pero en este art\u00edculo explicaremos un poco la que es quiz\u00e1s la m\u00e1s frecuente: la carga hipotecaria.<\/p>\n<p><strong>Una carga hipotecaria es una deuda que se adquiere con una entidad financiera<\/strong>\u00a0en la que se usa un bien inmueble como garant\u00eda y compromiso de pago. El per\u00edodo por el que se contrata una hipoteca puede durar hasta unos cuarenta a\u00f1os y puede hacerse a un inter\u00e9s fijo o variable.<\/p>\n<p>Si descubres que la vivienda que est\u00e1s por comprar cuenta con una hipoteca, tienes dos opciones:<\/p>\n<p><strong>Solicitar al vendedor que realice el pago\u00a0<\/strong>de la deuda antes de la compra, de forma que la adquieras totalmente libre de cargas.<\/p>\n<p><strong>Subrogarte a la hipoteca<\/strong>. Para ello requieres el consentimiento de la entidad financiera y podr\u00edas inclusive involucrar a una segunda entidad si esta presenta una oferta vinculante con mejores condiciones que las que la hipoteca concedi\u00f3 originalmente. En este paso se debe notificar a la entidad inicial y esperar a que acepte.<\/p>\n<p>C\u00f3mo ves estos tr\u00e1mites pueden ser tediosos o incluso acabar produciendo alg\u00fan disgusto si hay una informaci\u00f3n err\u00f3nea o tard\u00eda. En <strong>Finques Oll\u00e9<\/strong> somos expertos en este tipo de transacciones. \u00a1Cons\u00faltanos!<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Has elegido una vivienda y has decidido comprar, \u00bfahora qu\u00e9? En Finques Oll\u00e9 queremos explicarte lo que debes hacer. Una vez elegida una vivienda lo siguiente que deber\u00edas hacer es acercarte al Registro de Propiedad y solicitar la nota que hace constar que dicha propiedad no posee ning\u00fan tipo de carga inscrita en ella. Las [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":391,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[],"class_list":["post-390","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sin-categorizar"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u00bfQu\u00e9 es una carga hipotecaria? - Fincas Oll\u00e9<\/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:\/\/fincasolle.com\/que-es-una-carga-hipotecaria\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u00bfQu\u00e9 es una carga hipotecaria? - Fincas Oll\u00e9\" \/>\n<meta property=\"og:description\" content=\"Has elegido una vivienda y has decidido comprar, \u00bfahora qu\u00e9? 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