{"id":38963,"date":"2020-04-15T11:24:11","date_gmt":"2020-04-15T09:24:11","guid":{"rendered":"https:\/\/www.finquesmarba.com\/?p=38963"},"modified":"2020-07-09T18:16:26","modified_gmt":"2020-07-09T16:16:26","slug":"coronavirus-arrendador-arrendatari","status":"publish","type":"post","link":"https:\/\/www.finquesmarba.com\/ca\/coronavirus-arrendador-arrendatari\/","title":{"rendered":"Com pot afectar-te el coronavirus si ets arrendador o arrendatari"},"content":{"rendered":"

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L’estat d’alarma decretat per fer front a la situaci\u00f3 sanit\u00e0ria i social provocada per la COVID-19 ha trasbalsat les nostres rutines i la nostra quotidianitat. Elements que ens aporten estabilitat com el treball estan patint molts canvis<\/strong>: s’ha implementat el teletreball,\u00a0molts<\/span>\u00a0aut\u00f2noms han baixat la seva facturaci\u00f3, s’estan realitzant\u00a0ERTOs<\/span>\u00a0per evitar els acomiadaments i el tancament de negocis. Un altre element que ens aporta estabilitat \u00e9s l’habitatge<\/strong>. Potser et trobes en alguna situaci\u00f3 que afecti la teva forma de fer front a les despeses que genera la teva llar o les teves propietats. Per aquest motiu, a continuaci\u00f3 analitzem diferents escenaris en els quals pots trobar-te a causa del coronavirus<\/strong> i t’expliquem quines opcions tens a cada un.<\/p>\n\n

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Fer front al coronavirus si ets arrendador<\/h2>\n

Si ets arrendador pot ser que et trobis amb contractes de lloguer a punt de finalitzar<\/strong> o amb qu\u00e8 els teus inquilins no poden pagar-te la renda mensual<\/strong> a causa dels canvis en la seva situaci\u00f3 econ\u00f2mica. Davant d’aquest escenari hi ha diversos aspectes que has de tenir en compte, ja que el Govern ha posat en marxa una s\u00e8rie de mesures per, si cal, ajudar tant a arrendataris com a arrendadors durant l’estat d’alarma a fer front a les seves possibles despeses<\/strong>.<\/p>\n

Si es tracta entre particulars, el millor \u00e9s negociar entre vosaltres possibles solucions<\/strong> als problemes a l’hora de pagar la renda d’un pis o d’una casa llogats. Una d’elles pot ser la condonaci\u00f3 total o parcial del lloguer<\/strong> durant la durada de l’estat d’alarma, per\u00f2 aix\u00f2 no \u00e9s sempre possible, ja que l’arrendador d’una propietat tamb\u00e9 ha de fer front a despeses.<\/p>\n

Ajornaments del lloguer<\/h3>\n

Si el teu arrendatari acredita que es troba en un estat de vulnerabilitat, pot sol\u00b7licitar-te l’ajornament temporal i extraordinari en el pagament de la renda<\/strong> durant la durada de l’estat d’alarma. Ho ha de fer en menys d’un mes despr\u00e9s de l’entrada en vigor de Reial Decret Llei 11\/2020, de 31 de mar\u00e7 i tu tens set dies laborables per contestar amb les condicions.<\/strong><\/p>\n

Aix\u00f2 nom\u00e9s es pot fer si el propietari \u00e9s un particular<\/strong>, per\u00f2 no si es tracta d’un gran propietari (com un fons d’inversi\u00f3). Si no arribeu a un acord d’ajornament, el llogater pot sol\u00b7licitar un microcr\u00e8dit per pagar-te fins a 6 mensualitats<\/strong>, de manera que tu seguir\u00e0s rebent la renda.<\/p>\n

Pr\u00f2rrogues de contractes<\/h3>\n

Si el contracte de lloguer de la teva propietat acaba durant l’estat d’alarma o fins dos mesos despr\u00e9s, l’arrendatari pot sol\u00b7licitar-te una pr\u00f2rroga extraordin\u00e0ria de fins a sis mesos<\/strong>. Si no has arribat a cap altre acord amb els teus inquilins, has d’acceptar la sol\u00b7licitud i, durant aquest per\u00edode, no podr\u00e0s apujar el preu de la renda<\/strong>.<\/p>\n

Desnonaments<\/h3>\n

Tamb\u00e9 has de saber que, si no et paguen la renda durant aquest per\u00edode, s’ha decretat la suspensi\u00f3, durant un m\u00e0xim de sis mesos despr\u00e9s de la finalitzaci\u00f3 de l’estat d’alarma, dels desnonaments<\/strong> per a inquilins en situaci\u00f3 acreditada de vulnerabilitat. Si es don\u00e9s el cas que tu tamb\u00e9, com a propietari, et trobessis en una situaci\u00f3 sobrevinguda de vulnerabilitat social o econ\u00f2mica, es ponderarien les dues situacions abans de la concessi\u00f3 de la suspensi\u00f3.<\/p>\n

Com afecta el coronavirus a les hipoteques<\/h2>\n

Si es d\u00f3na el cas que siguis tu qui no pugui fer front a la hipoteca del teu habitatge habitual o d’una altra propietat que tinguis en lloguer, has de saber que tamb\u00e9 s’ha decretat la morat\u00f2ria del deute hipotecari<\/strong> sempre que s’acrediti la situaci\u00f3 de vulnerabilitat.<\/p>\n

Morat\u00f2ria hipotec\u00e0ria pel coronavirus<\/h3>\n

Pots sol\u00b7licitar una morat\u00f2ria en cas de vulnerabilitat si compleixes les seg\u00fcents condicions:<\/p>\n