{"id":3784,"date":"2013-08-17T01:21:15","date_gmt":"2013-08-17T01:21:15","guid":{"rendered":"https:\/\/www.volawyers.com\/que-ocurre-si-no-puedo-afrontar-las-cuotas-mensuales-de-la-hipoteca\/"},"modified":"2023-10-13T19:25:20","modified_gmt":"2023-10-13T19:25:20","slug":"que-ocurre-si-no-puedo-afrontar-las-cuotas-mensuales-de-la-hipoteca","status":"publish","type":"page","link":"https:\/\/www.volawyers.com\/es\/que-necesita-saber\/hipotecas\/que-ocurre-si-no-puedo-afrontar-las-cuotas-mensuales-de-la-hipoteca\/","title":{"rendered":"\u00bfQu\u00e9 ocurre si no puedo afrontar las cuotas mensuales de la hipoteca?"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-custom-z-index\" style=\"--awb-background-position:left 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style=\"--awb-padding-top:60px;--awb-padding-right:60px;--awb-padding-bottom:20px;--awb-padding-left:60px;--awb-padding-bottom-medium:16px;--awb-padding-top-small:20px;--awb-padding-bottom-small:20px;--awb-bg-color:var(--awb-color1);--awb-bg-color-hover:var(--awb-color1);--awb-bg-size:cover;--awb-border-color:var(--awb-color3);--awb-border-style:solid;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:0px;--awb-margin-bottom-large:20px;--awb-spacing-left-large:0px;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:0px;--awb-spacing-left-medium:0px;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:0px;--awb-spacing-left-small:0px;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-one\"><h1 class=\"fusion-title-heading title-heading-center\" style=\"margin:0;\">\u00bfQu\u00e9 ocurre si no puedo afrontar las cuotas mensuales de la hipoteca?<\/h1><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-bottom:50px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1352px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-1 fusion-text-no-margin\" style=\"--awb-text-transform:none;--awb-margin-bottom:40px;\"><p>Es crucial que, tan pronto como sea consciente de este problema, se ponga en contacto con su abogado para intentar renegociar con el banco los t\u00e9rminos y condiciones del pr\u00e9stamo o incluso para considerar la entrega de la propiedad como pago de la deuda (daci\u00f3n en pago).<\/p>\n<p>Es importante resaltar que los pr\u00e9stamos en Espa\u00f1a son personales y como tales no terminan con el embargo de la vivienda por parte del banco en caso de impago. Esto s\u00f3lo ocurrir\u00eda si el banco asignara a \u00e9sta un valor igual al importe de la deuda o si, tras la ejecuci\u00f3n hipotecaria, el valor alcanzado en subasta cubriera la deuda y todos los gastos legales del proceso. En caso contrario, el banco se quedar\u00e1 con la vivienda y usted seguir\u00e1 debi\u00e9ndole dinero.<\/p>\n<p>Adem\u00e1s, en caso de deudores no residentes en Espa\u00f1a, los bancos est\u00e1n autorizados a reclamar las cantidades impagadas en su pa\u00eds de residencia, para lo cual podr\u00e1n solicitar judicialmente el embargo de los bienes que posean all\u00ed. As\u00ed pues, dar la espalda al problema no es la soluci\u00f3n, sino s\u00f3lo la forma de agravarlo considerablemente.<\/p>\n<p>Cuando el banco ejecuta el pr\u00e9stamo, la deuda empieza a crecer r\u00e1pidamente al sumarse al capital pendiente los intereses ordinarios, los intereses de demora (mucho m\u00e1s altos) y los gastos del procedimiento judicial. Obviamente cuanto m\u00e1s dure el procedimiento, m\u00e1s se incrementar\u00e1 la deuda.<br \/>\nAdjudicarse la vivienda tampoco resulta del agrado de los bancos, ya que la propiedad genera una serie de gastos de mantenimiento y representa un activo no l\u00edquido al que deben dar salida bien interna o externamente con el coste que esto supone. Por ello, existe la posibilidad de que en esas situaciones de impago por problemas econ\u00f3micos sobrevenidos acepten la posibilidad de negociaci\u00f3n de un nuevo plazo de amortizaci\u00f3n o de un periodo de carencia durante algunos meses que posibilite la reducci\u00f3n del importe de las cuotas para hacerlas m\u00e1s sostenibles.<\/p>\n<p>Llegado el caso, podemos negociar en su nombre con el banco, ya sea para encontrar soluciones que le faciliten el pago de la hipoteca, ya sea para ofrecer la vivienda como pago de la deuda, y firmar las correspondientes escrituras de novaci\u00f3n hipotecaria o daci\u00f3n en pago.<\/p>\n<p style=\"text-align: justify;\"><span style=\"color: #333333;\"><strong>\u00bfTiene a\u00fan dudas con relaci\u00f3n a este tema? Visite la secci\u00f3n <a href=\"https:\/\/www.volawyers.com\/es\/preguntas-frequentes\/hipotecas-y-financiacion\/\">Preguntas frecuentes sobre las hipotecas.<\/a><\/strong><\/span><\/p>\n<\/div><div class=\"fusion-builder-row fusion-builder-row-inner fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-0 fusion_builder_column_inner_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-2\" style=\"--awb-text-transform:none;\"><p style=\"text-align: left;\"><a title=\"El coste de una hipoteca en Espa\u00f1a\" href=\"https:\/\/www.volawyers.com\/es\/que-necesita-saber\/hipotecas\/el-coste-de-una-hipoteca-en-espana\/\">Anterior: El coste de una hipoteca en Espa\u00f1a<\/a><\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-1 fusion_builder_column_inner_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><\/div><\/div><\/div><div class=\"fusion-builder-row fusion-builder-row-inner fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-2 fusion_builder_column_inner_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-3\" style=\"--awb-text-transform:none;\"><p style=\"text-align: left;\">P\u00e1gina 4\/4<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-3 fusion_builder_column_inner_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-4\" style=\"--awb-text-transform:none;\"><p style=\"text-align: right;\">Ir a la p\u00e1gina: <a href=\"https:\/\/www.volawyers.com\/es\/que-necesita-saber\/hipotecas\/las-hipotecas-en-espana\/\">1<\/a> <a href=\"https:\/\/www.volawyers.com\/es\/que-necesita-saber\/hipotecas\/documentacion-necesaria-para-solicitar-una-hipoteca-en-espana\/\">2<\/a>\u00a0<a href=\"https:\/\/www.volawyers.com\/es\/que-necesita-saber\/hipotecas\/el-coste-de-una-hipoteca-en-espana\/\">3<\/a>\u00a04<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":3,"featured_media":0,"parent":3745,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"","meta":{"footnotes":""},"class_list":["post-3784","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.volawyers.com\/es\/wp-json\/wp\/v2\/pages\/3784","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.volawyers.com\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.volawyers.com\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.volawyers.com\/es\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.volawyers.com\/es\/wp-json\/wp\/v2\/comments?post=3784"}],"version-history":[{"count":5,"href":"https:\/\/www.volawyers.com\/es\/wp-json\/wp\/v2\/pages\/3784\/revisions"}],"predecessor-version":[{"id":5622,"href":"https:\/\/www.volawyers.com\/es\/wp-json\/wp\/v2\/pages\/3784\/revisions\/5622"}],"up":[{"embeddable":true,"href":"https:\/\/www.volawyers.com\/es\/wp-json\/wp\/v2\/pages\/3745"}],"wp:attachment":[{"href":"https:\/\/www.volawyers.com\/es\/wp-json\/wp\/v2\/media?parent=3784"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}