{"id":556,"date":"2018-06-25T18:40:13","date_gmt":"2018-06-25T17:40:13","guid":{"rendered":"https:\/\/fincasolle.com\/wordpress\/?p=556"},"modified":"2023-05-19T14:36:13","modified_gmt":"2023-05-19T14:36:13","slug":"com-reclamar-les-despeses-de-constitucio-de-la-hipoteca","status":"publish","type":"post","link":"https:\/\/fincasolle.com\/?p=556","title":{"rendered":"Com reclamar les despeses de constituci\u00f3 de la hipoteca"},"content":{"rendered":"<p>Segons el Tribunal Suprem a trav\u00e9s de la sent\u00e8ncia 705\/2015, les despeses associades a la constituci\u00f3 i formalitzaci\u00f3 dels pr\u00e9stecs hipotecaris han de ser abonats per les entitats banc\u00e0ries, com a subjectes de la transacci\u00f3. Per tant, els clients que al seu moment van signar una hipoteca i van abonar aquestes despeses <strong>poden reclamar<\/strong> les quantitats a la seva entitat.<\/p>\n<p><strong>Quines despeses et pot retornar l&#8217;entitat?<\/strong><br \/>\nEn la compra d\u2019un habitatge a trav\u00e9s de finan\u00e7ament hipotecari, el banc exigia al client el pagament previ d&#8217;una s\u00e8rie de tr\u00e0mits com notaria, gestoria, Registre de la propietat, i\u00a0Impostos\u00a0d&#8217;Actes Jur\u00eddics Documentats. No obstant aix\u00f2, aquests costos han d\u2019estar coberts pel banc i no pel client, per tant, els consumidors poden reclamar la devoluci\u00f3 d&#8217;aquestes quantitats.<\/p>\n<p><strong>Com recuperar aquest import?<\/strong><br \/>\nEn primer lloc, et recomanem parlar pr\u00e8viament amb l&#8217;entitat, ja que no est\u00e0 de m\u00e9s dialogar amb el teu banc abans d&#8217;iniciar un proc\u00e9s complex, com pot ser emprendre una acci\u00f3 legal.<\/p>\n<p>Aix\u00f2 s\u00ed, no has de signar cap document amb l&#8217;entitat si et proposa un tracte, que t&#8217;impedeixi reclamar judicialment en un futur el que vas pagar de m\u00e9s en concepte de despeses de formalitzaci\u00f3 de la hipoteca. Si el teu banc no accedeix a retornar-te aquestes quantitats, has de buscar assessorament legal i interposar una demanda, b\u00e9 a t\u00edtol individual o sumar-te a les demandes col\u00b7lectives que estan gestionant organitzacions com l&#8217;OCU.<\/p>\n<p><strong>Qui t\u00e9 dret a reclamar la devoluci\u00f3?<\/strong><br \/>\nPoden reclamar aquestes despeses totes aquelles persones que tenen o van tenir una hipoteca i van afrontar les despeses de formalitzaci\u00f3 del pr\u00e9stec hipotecari. Les persones que ja hagin cancel\u00b7lat la hipoteca tamb\u00e9 poden reclamar els seus diners.<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Segons el Tribunal Suprem a trav\u00e9s de la sent\u00e8ncia 705\/2015, les despeses associades a la constituci\u00f3 i formalitzaci\u00f3 dels pr\u00e9stecs hipotecaris han de ser abonats per les entitats banc\u00e0ries, com a subjectes de la transacci\u00f3. Per tant, els clients que al seu moment van signar una hipoteca i van abonar aquestes despeses poden reclamar les [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":557,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[],"class_list":["post-556","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>Com reclamar les despeses de constituci\u00f3 de la hipoteca - 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\/com-reclamar-les-despeses-de-constitucio-de-la-hipoteca\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Com reclamar les despeses de constituci\u00f3 de la hipoteca - Fincas Oll\u00e9\" \/>\n<meta property=\"og:description\" content=\"Segons el Tribunal Suprem a trav\u00e9s de la sent\u00e8ncia 705\/2015, les despeses associades a la constituci\u00f3 i formalitzaci\u00f3 dels pr\u00e9stecs hipotecaris han de ser abonats per les entitats banc\u00e0ries, com a subjectes de la transacci\u00f3. Per tant, els clients que al seu moment van signar una hipoteca i van abonar aquestes despeses poden reclamar les [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/fincasolle.com\/com-reclamar-les-despeses-de-constitucio-de-la-hipoteca\/\" \/>\n<meta property=\"og:site_name\" content=\"Fincas Oll\u00e9\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/es-la.facebook.com\/people\/Finques-OLL\/100063718039125\/\" \/>\n<meta property=\"article:published_time\" content=\"2018-06-25T17:40:13+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-05-19T14:36:13+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/fincasolle.com\/wp-content\/uploads\/2018\/06\/finquesolle.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"384\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Olle\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Olle\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minuto\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/fincasolle.com\/com-reclamar-les-despeses-de-constitucio-de-la-hipoteca\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/fincasolle.com\/com-reclamar-les-despeses-de-constitucio-de-la-hipoteca\/\"},\"author\":{\"name\":\"Olle\",\"@id\":\"https:\/\/fincasolle.com\/#\/schema\/person\/8b1c1526a65026f7349335fb7419f7e6\"},\"headline\":\"Com reclamar les despeses de constituci\u00f3 de la hipoteca\",\"datePublished\":\"2018-06-25T17:40:13+00:00\",\"dateModified\":\"2023-05-19T14:36:13+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/fincasolle.com\/com-reclamar-les-despeses-de-constitucio-de-la-hipoteca\/\"},\"wordCount\":314,\"publisher\":{\"@id\":\"https:\/\/fincasolle.com\/#organization\"},\"articleSection\":[\"Sin categorizar\"],\"inLanguage\":\"es\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/fincasolle.com\/com-reclamar-les-despeses-de-constitucio-de-la-hipoteca\/\",\"url\":\"https:\/\/fincasolle.com\/com-reclamar-les-despeses-de-constitucio-de-la-hipoteca\/\",\"name\":\"Com reclamar les despeses de constituci\u00f3 de la hipoteca - 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