{"id":86082,"date":"2022-02-21T09:03:24","date_gmt":"2022-02-21T09:03:24","guid":{"rendered":"https:\/\/www.asufin.com\/?p=86082"},"modified":"2022-04-13T10:11:56","modified_gmt":"2022-04-13T10:11:56","slug":"consells-perque-puguis-cancellar-la-teva-hipoteca","status":"publish","type":"post","link":"https:\/\/staging.asufin.com\/staging\/ca\/consells-perque-puguis-cancellar-la-teva-hipoteca\/","title":{"rendered":"Consells perqu\u00e8 puguis cancel\u00b7lar la teva hipoteca"},"content":{"rendered":"\t\t
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Saps qu\u00e8 has de fer per a cancel\u00b7lar la teva hipoteca? Quines despeses comporta? Has d’anar al registre?<\/h4>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Hi ha diversos motius pels quals pots voler cancel\u00b7lar la teva hipoteca<\/strong>. Ja sigui perqu\u00e8 has pagat l’\u00faltima quota, has aconseguit els diners necessaris per a amortitzar la teva hipoteca o perqu\u00e8 vendr\u00e0s el teu habitatge<\/a> i necessites deixar-la lliure de c\u00e0rregues, has de tenir en compte aquests consells<\/strong> a l’hora de cancel\u00b7lar el teu pr\u00e9stec hipotecari.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Inscriu-te al nostre congr\u00e9s gratu\u00eft del 8M sobre la dona en el m\u00f3n financer per a descobrir el paper de les dones en l’entorn financer<\/a><\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Qu\u00e8 necessites per a cancel\u00b7lar la teva hipoteca?<\/strong><\/p>

Per a poder cancel\u00b7lar la teva hipoteca, necessites el certificat de deute zero. El teu banc te l’ha d’entrar de forma totalment gratu\u00efta<\/a>. Aquest certificat acredita que no queda cap import per pagar. Aix\u00ed i tot, necessites fer una cancel\u00b7laci\u00f3 cadastral perqu\u00e8 figuri com cancel\u00b7lada en el registre de la propietat. Insistim que el certificat de deute zero \u00e9s gratu\u00eft perqu\u00e8 alguns bancs intentaran cobrar-te per aix\u00f2.<\/p>

Si no vols fer aquesta cancel\u00b7laci\u00f3 cadastral, has de saber que el propi Registre de la Propietat eliminar\u00e0 la c\u00e0rrega de l’habitatge de manera autom\u00e0tica als 20 anys del pagament de l’\u00faltima quota.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Per a accelerar aquest tr\u00e0mit, i que no hagis d’esperar 20 anys, has de presentar el certificat de deute zero en una notaria i signar l’escriptura p\u00fablica de cancel\u00b7laci\u00f3 del pr\u00e9stec. El banc no et pot cobrar ni per la signatura ni pel despla\u00e7ament a la notaria.<\/strong><\/p>

Una vegada fet aix\u00f2, has de sol\u00b7licitar i emplenar el document d’Actes Jur\u00eddics Documentats (AJD). Ho pots sol\u00b7licitar en la delegaci\u00f3 d’Hisenda de la teva CCAA. \u00c9s important que recordis que aquest document \u00e9s gratu\u00eft.<\/strong><\/p>

Aquests documents els haur\u00e0s de presentar en el Registre de la Propietat<\/strong> perqu\u00e8, una vegada inscrita la cancel\u00b7laci\u00f3, desaparegui la c\u00e0rrega de l’habitatge<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Descarrega gratis en la teva \u00e0rea privada un model de reclamaci\u00f3 per a reclamar les despeses hipotec\u00e0ries
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Encara que hagis cancel\u00b7lat la teva hipoteca, pots reclamar les despeses<\/strong><\/p><\/div>

Encara que la hipoteca estigui cancel\u00b7lada, s\u00ed que pots reclamar el que has pagat de m\u00e9s per les despeses de la hipoteca<\/a>. Podr\u00e0s recuperar la totalitat de les despeses de registre, gestoria i taxaci\u00f3 i el 50% de les despeses notarials. Entra en la teva \u00e0rea privada de soci o escriu-nos a gastos-hipoteca@asufin.com<\/a> i t’ajudarem a recuperar els teus diners.<\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"ASUFIN\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

Saps qu\u00e8 has de fer per a cancel\u00b7lar la teva hipoteca? Quines despeses comporta? Has d’anar al registre? Hi ha diversos motius pels quals pots voler cancel\u00b7lar la teva hipoteca. Ja sigui perqu\u00e8 has pagat l’\u00faltima quota, has aconseguit els diners necessaris per a amortitzar la teva hipoteca o perqu\u00e8 vendr\u00e0s el teu habitatge i […]<\/p>\n","protected":false},"author":279,"featured_media":85317,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[6886,6888,7587],"tags":[],"class_list":["post-86082","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-gastos-hipoteca-cat","category-hipoteca-cat","category-sin-categoria-ca"],"acf":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2022\/02\/cancelar-tu-hipoteca-scaled.jpg?fit=2560%2C1707&ssl=1","jetpack_shortlink":"https:\/\/wp.me\/peayLa-moq","jetpack_likes_enabled":false,"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/posts\/86082","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/users\/279"}],"replies":[{"embeddable":true,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/comments?post=86082"}],"version-history":[{"count":12,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/posts\/86082\/revisions"}],"predecessor-version":[{"id":95952,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/posts\/86082\/revisions\/95952"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/media\/85317"}],"wp:attachment":[{"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/media?parent=86082"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/categories?post=86082"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/tags?post=86082"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}