{"id":38960,"date":"2020-04-02T12:35:29","date_gmt":"2020-04-02T10:35:29","guid":{"rendered":"https:\/\/www.finquesmarba.com\/?p=38960"},"modified":"2020-04-02T12:35:37","modified_gmt":"2020-04-02T10:35:37","slug":"hipoteques-compravendes-estat-alarma","status":"publish","type":"post","link":"https:\/\/www.finquesmarba.com\/ca\/hipoteques-compravendes-estat-alarma\/","title":{"rendered":"Tr\u00e0mits notarials, hipoteques i compravendes durant l’estat d’alarma"},"content":{"rendered":"

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Et trobaves enmig d’un proc\u00e9s de compravenda<\/strong> o a punt de signar una hipoteca<\/strong> quan es va decretar l’estat d’alarma? Si \u00e9s el cas, pot ser que t’estiguis preguntant si els notaris i els registradors de la propietat encara treballen<\/strong>, o qu\u00e8 ocorrer\u00e0 amb els tr\u00e0mits que tens pendents. A continuaci\u00f3 et resolem els teus dubtes i et recomanem qu\u00e8 has de fer.<\/p>\n\n

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Els notaris i registradors de la propietat segueixen treballant?<\/h2>\n

S\u00ed, tant els notaris com els registradors han estat treballant des que es va decretar l’estat d’alarma<\/strong> i les seves funcions han estat incloses dins la llista d'”activitats essencials” que el Govern va publicar el diumenge 29 de mar\u00e7 despr\u00e9s de limitar les activitats permeses a causa del coronavirus.<\/p>\n

Seguint les indicacions de la Instrucci\u00f3 dictada el 15 de mar\u00e7 de 2020 per la Direcci\u00f3 General de Seguretat Jur\u00eddica i Fe P\u00fablica, en coordinaci\u00f3 amb el Consell General del Notariat, sobre les mesures a adoptar per garantir l’adequada prestaci\u00f3 de servei p\u00fablic notarial, els notaris han adaptat la seva activitat i el servei de notaries est\u00e0 assegurat durant el per\u00edode que duri l’estat d’alarma.<\/p>\n

Per la seva banda, el Col\u00b7legi de Registradors assegura que els Registres de la Propietat, Mercantils i B\u00e9ns Mobles romandran oberts per tractar-se d’un servei p\u00fablic d’inter\u00e8s general. Per a aix\u00f2, els registres s’han adaptat per evitar despla\u00e7aments i mantenir el servei sense interrupcions.<\/p>\n

Com s’han adaptat al coronavirus?<\/h2>\n

Els notaris<\/strong>, per la seva banda, demanen que no s’acudeixi a les notaries sense cita pr\u00e8via<\/strong>, ja que no estan obertes al p\u00fablic, i nom\u00e9s atenen personalment q\u00fcestions d’urg\u00e8ncia<\/strong>. A m\u00e9s, les cites presencials s’estan espaiant perqu\u00e8 no hi hagi aglomeracions a les notaries i, aix\u00ed, poder mantenir la dist\u00e0ncia de seguretat sanit\u00e0ria recomanada en tot moment.<\/p>\n

A l’hora de realitzar una gesti\u00f3 d’urg\u00e8ncia, el notari ser\u00e0 qui indiqui en cada cas com ha de realitzar-se. El m\u00e9s freq\u00fcent \u00e9s que es demani a les persones amb cita que acudeixin soles, tret, per exemple, que necessitin ajuda.<\/p>\n

Durant l’estat d’alarma els notaris no estan autoritzats a despla\u00e7ar-se fora de les seves notaries<\/strong>. Nom\u00e9s podrien fer-ho en casos molt excepcionals i si la junta de govern del col\u00b7legi notarial de qu\u00e8 depenguin aix\u00ed ho autoritza.<\/p>\n

En el cas dels registradors de la propietat, realitzen atenci\u00f3 personal de manera exclusiva per tel\u00e8fon o correu electr\u00f2nic<\/strong>. Per a aix\u00f2, recomana la presentaci\u00f3 de documentaci\u00f3 de forma telem\u00e0tica per motius de seguretat col\u00b7lectiva, tot i que tamb\u00e9 permeten la seva presentaci\u00f3 per missatgeria i, en cas de necessitat, f\u00edsicament.<\/p>\n

A m\u00e9s, si has de fer \u00fas d’algun dels seus serveis, has de tenir en compte que durant l’estat d’alarma queden suspesos els terminis de prescripci\u00f3 i caducitat<\/strong> tant dels registres de la propietat, mercantils i de b\u00e9ns immobles, com dels documents davant notari.<\/p>\n

Quins tr\u00e0mits de notaria es poden realitzar?<\/h2>\n

Si tens algun tr\u00e0mit pendent, es recomana que localitzis el notari m\u00e9s proper al teu habitatge i li truquis o li escriguis un correu explicant la teva situaci\u00f3. Ser\u00e0 el notari qui consideri la urg\u00e8ncia de la gesti\u00f3<\/strong> i et donar\u00e0 cita i instruccions si realment no pot esperar.<\/p>\n

Per exemple, les operacions banc\u00e0ries s\u00ed que s\u00f3n considerades urgents (p\u00f2lisses de pr\u00e9stec o cr\u00e8dit, pr\u00e9stecs o cr\u00e8dits hipotecaris, etc.), aix\u00ed com pot ser considerat urgent el cas d’unes arres donades que estiguin a punt de v\u00e8ncer. Com no s’han susp\u00e8s els terminis civils, una situaci\u00f3 aix\u00ed seria considerada urgent per atorgar una escriptura.<\/p>\n

Els registradors de la propietat<\/strong>, per la seva banda, nom\u00e9s atenen de forma presencial q\u00fcestions que considerin de greu urg\u00e8ncia<\/strong> i que ja s’hagin gestionat pr\u00e8viament per vies telem\u00e0tiques.<\/p>\n

Aix\u00ed doncs, s\u00f3n notaris i registradors els que valoren la condici\u00f3 d’urg\u00e8ncia d’un registre o signatura<\/strong>, sigui un testament o la signatura d’una transacci\u00f3 immobili\u00e0ria.<\/p>\n

Et pot interessar: Tr\u00e0mits en comprar un habitatge: documentaci\u00f3 imprescindible<\/a><\/em><\/p><\/blockquote>\n

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\"Documentaci\u00f3n<\/h2>\n

Com afecta el coronavirus a la signatura de compravendes i hipoteques?<\/h2>\n

Els notaris i els registradors de la propietat tenen un paper central en el sector immobiliari<\/strong>, per aix\u00f2, la seva situaci\u00f3 actual pot tenir incid\u00e8ncia en com es gestionen les diferents operacions immobili\u00e0ries que s’estiguessin realitzant abans de l’inici de l’estat d’alarma. Com afecta cada cas?<\/p>\n

Signatura d’escriptures<\/h3>\n

Si la signatura ja estava programada, el millor \u00e9s contactar amb la notaria<\/strong> que an\u00e9s a fer-se c\u00e0rrec i s’ajornar\u00e0 o es mantindr\u00e0 (adoptant les mesures de seguretat necess\u00e0ries) segons la seva urg\u00e8ncia.<\/p>\n

En el cas que la signatura estigui subjecta a un termini (quan les parts s’han subscrit a un contracte privat de compravenda amb arres, per exemple), els signants poden acordar un ajornament<\/strong> de la data l\u00edmit per a escripturar mitjan\u00e7ant la redacci\u00f3 d’un annex al contracte privat de compravenda signat per les dues parts.<\/p>\n

Sol\u00b7licitud d’hipoteques<\/h3>\n

Ja que els bancs segueixen prestant serveis, la sol\u00b7licitud d’hipoteques continua operativa<\/strong>. Els bancs continuen analitzant sol\u00b7licituds, tot i que el proc\u00e9s pot ser m\u00e9s lent en haver-hi menys disponibilitat a les sucursals.<\/p>\n

Signatura d’hipoteques<\/h3>\n

Tot i que la sol\u00b7licitud d’hipoteques funciona normalment, el proc\u00e9s de validaci\u00f3 i signatura de les mateixes s\u00ed que patir\u00e0 contratemps<\/strong>. Quan es va decretar l’estat d’alarma, molts taxadors<\/strong> van deixar de visitar immobles, per\u00f2 altres tants van seguir fent la seva tasca. Amb el cessament de l’activitat no essencial, aquesta activitat ha quedat en uns llimbs legals<\/strong>. La normativa aprovada pel Govern fa refer\u00e8ncia als treballadors per compte d’altri, per\u00f2 no s’aplica als aut\u00f2noms i \u00e9s l’Associaci\u00f3 Espanyola d’An\u00e0lisi de Valor (AEV<\/span>) qui ha de concretar com els afecta aquesta nova situaci\u00f3 durant els dies vinents.<\/p>\n

Com els bancs no poden emetre ofertes definitives ni enviar documentaci\u00f3 als notaris sense els informes de taxaci\u00f3, la signatura d’hipoteques durant aquestes setmanes ser\u00e0 complicada<\/strong>. A m\u00e9s, en el cas que es dispos\u00e9s d’informe de taxaci\u00f3 i que el banc envi\u00e9s tots els documents, l’\u00faltima paraula sobre la urg\u00e8ncia del tr\u00e0mit la segueix tenint el notari.<\/p>\n

\u00a0<\/p>\n

Si creus que tens un tr\u00e0mit notarial que no pot esperar o est\u00e0s en ple proc\u00e9s de compravenda o de signatura d’una hipoteca, contacta amb el notari o registrador m\u00e9s proper al teu domicili i consulta-li. Ell o ella t’assessoraran sobre qu\u00e8 pots fer o t’oferiran possibles solucions. Molt aviat, realitzar aquests tr\u00e0mits tornar\u00e0 a ser m\u00e9s \u00e0gil i senzill<\/strong>, per\u00f2, mentrestant, cal que junts ens ajudem, siguem pacients i vetllem per la salut de tots.<\/p>\n

Et pot interessar: H\u00e0bits saludables per a passar temps a casa<\/a><\/em><\/p><\/blockquote>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row][et_pb_column type=”4_4″ custom_padding__hover=”|||” custom_padding=”|||”][et_pb_divider _builder_version=”3.26.5″ box_shadow_horizontal_tablet=”0px” box_shadow_vertical_tablet=”0px” box_shadow_blur_tablet=”40px” box_shadow_spread_tablet=”0px” z_index_tablet=”500″ \/][et_pb_text _builder_version=”3.26.5″ text_text_shadow_horizontal_length=”text_text_shadow_style,%91object Object%93″ text_text_shadow_horizontal_length_tablet=”0px” text_text_shadow_vertical_length=”text_text_shadow_style,%91object Object%93″ text_text_shadow_vertical_length_tablet=”0px” text_text_shadow_blur_strength=”text_text_shadow_style,%91object Object%93″ text_text_shadow_blur_strength_tablet=”1px” link_text_shadow_horizontal_length=”link_text_shadow_style,%91object Object%93″ link_text_shadow_horizontal_length_tablet=”0px” link_text_shadow_vertical_length=”link_text_shadow_style,%91object Object%93″ link_text_shadow_vertical_length_tablet=”0px” link_text_shadow_blur_strength=”link_text_shadow_style,%91object Object%93″ link_text_shadow_blur_strength_tablet=”1px” ul_text_shadow_horizontal_length=”ul_text_shadow_style,%91object Object%93″ ul_text_shadow_horizontal_length_tablet=”0px” ul_text_shadow_vertical_length=”ul_text_shadow_style,%91object Object%93″ ul_text_shadow_vertical_length_tablet=”0px” ul_text_shadow_blur_strength=”ul_text_shadow_style,%91object Object%93″ ul_text_shadow_blur_strength_tablet=”1px” ol_text_shadow_horizontal_length=”ol_text_shadow_style,%91object Object%93″ ol_text_shadow_horizontal_length_tablet=”0px” ol_text_shadow_vertical_length=”ol_text_shadow_style,%91object Object%93″ ol_text_shadow_vertical_length_tablet=”0px” ol_text_shadow_blur_strength=”ol_text_shadow_style,%91object Object%93″ ol_text_shadow_blur_strength_tablet=”1px” quote_text_shadow_horizontal_length=”quote_text_shadow_style,%91object Object%93″ quote_text_shadow_horizontal_length_tablet=”0px” quote_text_shadow_vertical_length=”quote_text_shadow_style,%91object Object%93″ quote_text_shadow_vertical_length_tablet=”0px” quote_text_shadow_blur_strength=”quote_text_shadow_style,%91object Object%93″ quote_text_shadow_blur_strength_tablet=”1px” header_text_shadow_horizontal_length=”header_text_shadow_style,%91object Object%93″ header_text_shadow_horizontal_length_tablet=”0px” header_text_shadow_vertical_length=”header_text_shadow_style,%91object Object%93″ header_text_shadow_vertical_length_tablet=”0px” header_text_shadow_blur_strength=”header_text_shadow_style,%91object Object%93″ header_text_shadow_blur_strength_tablet=”1px” header_2_text_shadow_horizontal_length=”header_2_text_shadow_style,%91object Object%93″ header_2_text_shadow_horizontal_length_tablet=”0px” header_2_text_shadow_vertical_length=”header_2_text_shadow_style,%91object Object%93″ header_2_text_shadow_vertical_length_tablet=”0px” header_2_text_shadow_blur_strength=”header_2_text_shadow_style,%91object Object%93″ header_2_text_shadow_blur_strength_tablet=”1px” header_3_text_shadow_horizontal_length=”header_3_text_shadow_style,%91object Object%93″ header_3_text_shadow_horizontal_length_tablet=”0px” header_3_text_shadow_vertical_length=”header_3_text_shadow_style,%91object Object%93″ header_3_text_shadow_vertical_length_tablet=”0px” header_3_text_shadow_blur_strength=”header_3_text_shadow_style,%91object Object%93″ header_3_text_shadow_blur_strength_tablet=”1px” header_4_text_shadow_horizontal_length=”header_4_text_shadow_style,%91object Object%93″ header_4_text_shadow_horizontal_length_tablet=”0px” header_4_text_shadow_vertical_length=”header_4_text_shadow_style,%91object Object%93″ header_4_text_shadow_vertical_length_tablet=”0px” header_4_text_shadow_blur_strength=”header_4_text_shadow_style,%91object Object%93″ header_4_text_shadow_blur_strength_tablet=”1px” header_5_text_shadow_horizontal_length=”header_5_text_shadow_style,%91object Object%93″ header_5_text_shadow_horizontal_length_tablet=”0px” header_5_text_shadow_vertical_length=”header_5_text_shadow_style,%91object Object%93″ header_5_text_shadow_vertical_length_tablet=”0px” header_5_text_shadow_blur_strength=”header_5_text_shadow_style,%91object Object%93″ header_5_text_shadow_blur_strength_tablet=”1px” header_6_text_shadow_horizontal_length=”header_6_text_shadow_style,%91object Object%93″ header_6_text_shadow_horizontal_length_tablet=”0px” header_6_text_shadow_vertical_length=”header_6_text_shadow_style,%91object Object%93″ header_6_text_shadow_vertical_length_tablet=”0px” header_6_text_shadow_blur_strength=”header_6_text_shadow_style,%91object Object%93″ header_6_text_shadow_blur_strength_tablet=”1px” box_shadow_horizontal_tablet=”0px” box_shadow_vertical_tablet=”0px” box_shadow_blur_tablet=”40px” box_shadow_spread_tablet=”0px” z_index_tablet=”500″]<\/p>\n

Tens algun dubte sobre compravendes o hipoteques?<\/h2>\n

Marb\u00e0<\/span>\u00a0posa al teu servei una experi\u00e8ncia de m\u00e9s de\u00a080<\/span>\u00a0anys en el sector immobiliari. Contacta amb nosaltres i t’ajudarem.<\/p>\n\n

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