{"id":32,"date":"2016-03-03T16:49:58","date_gmt":"2016-03-03T16:49:58","guid":{"rendered":"http:\/\/mdfernandez.com\/newproject\/?page_id=32"},"modified":"2022-03-10T16:55:18","modified_gmt":"2022-03-10T15:55:18","slug":"dacion-en-pago","status":"publish","type":"page","link":"https:\/\/mdfernandez.com\/ca\/dacio-en-pagament\/","title":{"rendered":"Daci\u00f3 en pagament"},"content":{"rendered":"<p>[vc_row][vc_column][vc_column_text]<\/p>\n<p style=\"text-align: justify;\">Com a conseq\u00fc\u00e8ncia de la crisi econ\u00f2mica que des de fa uns anys afecta a la nostra societat, la xifra de fam\u00edlies que s\u2019han vist impossibilitades a l\u2019hora de fer front al pagament de les seves hipoteques ha crescut de manera exponencial. El mateix ha succe\u00eft amb el nombre de persones que es van veure involucrades en <strong>procediments d\u2019execuci\u00f3 hipotec\u00e0ria<\/strong>. Per\u00f2 la pitjor conseq\u00fc\u00e8ncia de totes va ser la gran quantitat de ciutadans que, tot i haver perdut les seves cases, van continuar mantenint els deutes que els havien portat al desnonament. Davant aquesta situaci\u00f3, el Govern va decidir prendre mesures a trav\u00e9s de la redacci\u00f3 d\u2019un Reial decret llei, el <strong>RD-L 6\/2012<\/strong>, de 9 de mar\u00e7, en qu\u00e8 es van recollir una s\u00e8rie de <strong>mesures urgents per a la protecci\u00f3 d\u2019aquells deutors hipotec\u00e0ries que no tinguessin recursos suficients<\/strong>.<\/p>\n<p style=\"text-align: justify;\">Va ser d\u2019aquesta manera com va sorgir la figura jur\u00eddica de la <strong>daci\u00f3 en pagament<\/strong>. Aquesta figura permet al deutor fer entrega del seu habitatge a l\u2019entitat banc\u00e0ria com a pagament del seu deute, quedant aix\u00ed alliberat de la mateixa.<\/p>\n<h2 style=\"text-align: justify;\">Advocats daci\u00f3 en pagament Matar\u00f3<\/h2>\n<p style=\"text-align: justify;\">No obstant aix\u00f2, no qualsevol persona pot acollir-se a aquesta mesura per tal de desfer-se del pr\u00e9stec hipotecari contret amb el seu banc. A la nostra assessoria jur\u00eddica, a trav\u00e9s dels nostres <strong>advocats especialistes en daci\u00f3 en pagament<\/strong>, li vam explicar quins requisits s\u2019han de complir per poder acollir-se a aquestes mesures:<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-111 size-full\" src=\"https:\/\/mdfernandez.com\/wp-content\/uploads\/2016\/03\/img5.png\" alt=\"dacion pago\" width=\"540\" height=\"200\" \/><\/p>\n<p style=\"text-align: justify;\">1.- La fam\u00edlia afectada nom\u00e9s podria estar en possessi\u00f3 d\u2019un \u00fanic habitatge, que ser\u00e0 sobre la qual malgrat el deute hipotecari.<\/p>\n<p style=\"text-align: justify;\">2.- Aix\u00ed mateix, aquesta fam\u00edlia no disposar\u00e0 dels ingressos, drets o b\u00e9ns necessaris per satisfer peri\u00f2dicament el pagament del seu deute.<\/p>\n<p style=\"text-align: justify;\">3.- I, finalment, la quota hipotec\u00e0ria que han de pagar no podr\u00e0 ser inferior al 60% dels ingressos que entrin en el nucli familiar.<\/p>\n<p>&nbsp;<\/p>\n<p style=\"text-align: justify;\">Nom\u00e9s complint tots i cada un d\u2019aquests requisits una persona podr\u00e0 estar en disposici\u00f3 de sol\u00b7licitar la daci\u00f3 en pagament del seu habitatge a la seva entitat banc\u00e0ria. No obstant aix\u00f2, no es tracta d\u2019un proc\u00e9s senzill. Per aix\u00f2, els nostres <strong>advocats de Matar\u00f3<\/strong> s\u2019han especialitzat en aquest tipus de casos: per poder proporcionar als nostres clients tota l\u2019ajuda que sigui necess\u00e0ria perqu\u00e8 vegin resolta la seva situaci\u00f3 en el menor temps possible.<\/p>\n<p style=\"text-align: justify;\">En un primer pas, la nostra <a href=\"\/asesoria-contable-mataro\/\">assessoria<\/a> a Matar\u00f3 s\u2019encarregaria de comunicar la situaci\u00f3 del nostre client a la seva situaci\u00f3 banc\u00e0ria. A partir d\u2019aquest moment, el banc hauria d\u2019oferir la possibilitat de dur a terme una <strong>reestructuraci\u00f3 del deute hipotecari<\/strong> contret amb l\u2019objectiu de proporcionar certes facilitats: l\u2019ampliaci\u00f3 del termini total d\u2019amortitzaci\u00f3, una rebaixa del tipus d\u2019inter\u00e8s o l\u2019establiment d\u2019un per\u00edode de car\u00e8ncia de dos a quatre anys.<\/p>\n<p style=\"text-align: justify;\">Si, tot i aix\u00ed, la incapacitat del client per pagar mensualment la quota hipotec\u00e0ria persisteix, els nostres professionals s\u2019encarregarien de donar el seg\u00fcent pas: sol\u00b7licitar a l\u2019entitat banc\u00e0ria la quitaci\u00f3 del deute o, dit d\u2019una altra manera, la rebaixa del total del deute.<\/p>\n<p style=\"text-align: justify;\">Nom\u00e9s despr\u00e9s de comprovar que ni tan sols d\u2019aquesta manera es va a poder fer front al pagament del deute nostres advocats podran sol\u00b7licitar <strong>la daci\u00f3 en pagament i cancel\u00b7lar per complet el deute contret a trav\u00e9s del lliurament de l\u2019habitatge<\/strong>.<\/p>\n<p style=\"text-align: justify;\">Evidentment, <strong>el lliurament de l\u2019habitatge no es dur\u00e0 a terme de forma immediata<\/strong>, sin\u00f3 que el client comptar\u00e0 amb fins a dos anys en els quals podr\u00e0 continuar habitant en ella satisfent una renda anual de nom\u00e9s el 3% del deute.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][vc_column_text] Com a conseq\u00fc\u00e8ncia de la crisi econ\u00f2mica que des de fa uns anys afecta a la nostra societat, la xifra de fam\u00edlies que s\u2019han vist impossibilitades [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-32","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Abogados dacion en pago Matar\u00f3<\/title>\n<meta name=\"description\" content=\"Abogado especialista en daci\u00f3n en pago de Matar\u00f3. 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