Hipotecodependientes
Amarus julio 3rd, 2009
En una entrada del blog de Marc Vidal ví este término de mucha “actualidad”, lo podemos definir como :
Dícese, en España, de aquellas personas encadenadas a su hipoteca de vivienda por 30 ó 40 años, cuya única esperanza en la vida es poder seguir pagandola mensualmente para lo cual destinan en promedio el 50% de sus ingresos. Generalmente jóvenes entre 25 a 40 años de edad que compraron sus viviendas a precios sobrevalorados, cuando esto de las inversiones inmobiliarias eran un regalo caido del cielo. Viviendas que actualmente han perdido ya por lo menos un 20% de su valor y que podrian seguir devaluandose mucho más.
Y resulta que en España las leyes hacen que la deuda hipotecaria no se vincula a la vivienda (como en otras partes del mundo) sino que se encadena al prestatario, con lo cual de no poder pagar [si está en paro por ejemplo], el Banco se queda con la vivienda y además el prestatario debe asumir como deuda la diferencia entre el valor actual y el valor hipotecado [porque como ahora la vivienda vale mucho menos de lo que le prestó el Banco para comprarla.. .. pues la pérdida de valor no la va a asumir la entidad bancaria]. Es decir uno se queda sin casa pero hipotecodependiente para toda la vida.
¿Es correcto?
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- Economía , Urbanismo e Inmobiliaria
- Comments(369)










No estoy tan seguro de eso Amaru. En primer lugar el banco en caso de que se trate de obra nueva, te suele dar el 80% del precio de tasación, por lo que ahí se resguarda en un 20%. Es cierto que a algunos clientes de poco riesgo habrán dado el 100%, y que en los tiempos que corrían subían los precios de tasación como la espuma para que el cliente pudiera disponer del 100% de lo necesario para la compra de la vivienda, pero eso era riesgo del banco. Por ejemplo el piso costaba 80, el banco lo tasa en 100, y de eso precio de tasación le daban el 80%.
En segundo lugar un préstamo hipotecario precisamente lo que hace es hipotecar el bien inmueble. Es decir que en caso de impago, el banco irá contra el prestatario que a su vez avaló con la casa. No estoy tan seguro que después de haberle embargado el piso además vayan contra la persona para recuperar el tanto porciento restante, que según la hipoteca ya estaba cubierto…
Hola Juan
Hmmm, no lo tengo claro. Según algunos blogs y la wikipedia (que no siempre es una fuente fiable) la deuda permanece despues de que pierdes el inmueble (la diferencia entre el valor conseguido por el banco y el valor prestado)..
“Ante una situación de impago de hipoteca, es importante no llegar a tener 3 cuotas impagadas, dada la obligatoriedad que tienen las entidades financieras en España de depositar una cierta cantidad en garantía del impago que se está produciendo. Este hecho hace que al llegar la cuarta cuota impagada, se inicie la demanda o procedimiento ejecutivo que encarece en gran parte la deuda motivada por los gastos de abogados, procuradores, tasadores, intereses de demora, motivo por el cual siempre es mejor proceder a una venta del bien hipotecado aún siendo a bajo precio e incluso sin llegar a cubrir el importe de la hipoteca, siempre con el consentimiento de la entidad hipotecante, que finalizar con la subasta en cuyo caso el precio conseguido siempre será menor, teniendo en cuenta que de cualquier forma, el resto de deuda no satisfecha con el producto de la finca, siempre lo tendremos como deuda pendiente”
¿Algún experto?
El problema que planteas es el caso de que el valor de mercado sea inferior al que valoró el banco por el bien en el momento de la hipoteca, pero en mi opinión insisto que el precio de tasación es por el que valora el banco el inmueble. Es decir que si el precio de mercado, posterior a la ejecución de la hipoteca, es inferior a ese precio de tasación será siempre riesgo del banco, el mismo banco lo tasó en la escritura. En cuanto a las cuotas impagadas, efectivamente suele estar recogido en esa escritura hipotecaria que el banco puede cobrar un tipo de interés superior al establecido (en las que yo he visto llegan al 16% de interés).
Os remito a la Ley Hipotecaria y al Código Civil.
El artículo 105 de la Ley Hipotecaria establece que “La hipoteca podrá constituirse en garantía de toda clase de obligaciones y no alterará la responsabilidad personal ilimitada del deudor que establece el artículo 1.911 del Código Civil.”
Por otro lado, el artículo al que remite del Código Civil nos indica que “Del cumplimiento de las obligaciones responde el deudor con todos sus bienes, presentes y futuros.”
Por tanto, una vez ejecutada la garantía real del préstamo, y en caso de que no fuera suficiente para atender la deuda con el Banco, el Deudor responderá personalmente, con sus bienes presentes y futuros (en otros países esto no es así).
A día de hoy, con las valoraciones de años anteriores (especialmente 2007-2008) y el precio actual de la vivienda, podríamos encontrarnos con muchos casos en los que el importe del préstamo hipotecario sea superior al valor de la garantía.
Saludos
En cuanto al tema de las tres cuotas impagadas (suponiendo que se trata de un préstamo con cuotas mensuales), es decir han pasado 90 días con el cliente sin atender sus compromisos de pago, la entidad financiera, por Normativa del Banco de España (Circulares 4/2004 y 6/2008), está obligada a realizar una provisión que dependerá del tipo de operación, importe, etc., por lo que estará incurriendo en cierto quebranto. Esto no significa que inmediatamente se inicie el procedimiento de ejecución, por los múltiples motivos, y se puede recurrir a renegociar la deuda, ofrecer alternativas de pago al cliente, incluir períodos de carencia, reforzar garantías, etc. ya que lo que interesa a la entidad financiera es cobrar la deuda y no tener que recurrir a la pura ejecución.
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