{"id":2626,"date":"2023-10-04T22:08:25","date_gmt":"2023-10-04T22:08:25","guid":{"rendered":"https:\/\/invertiscapital.com\/condiciones-hipoteca\/"},"modified":"2023-10-24T15:22:47","modified_gmt":"2023-10-24T15:22:47","slug":"condicions-dhipoteca","status":"publish","type":"post","link":"https:\/\/invertiscapital.com\/ca\/condicions-dhipoteca\/","title":{"rendered":"Prohibeixen vincular el canvi de condicions d&#8217;hipoteca a la contractaci\u00f3 d&#8217;una asseguran\u00e7a."},"content":{"rendered":"<p class=\"wp-block-paragraph\">Una bona not\u00edcia per als Col\u00b7legis de Mediadors, ja que el Govern aprova el Pla de Rescat Hipotecari. Entre les mesures que recull trobem una menci\u00f3 directa a la vinculaci\u00f3 del canvi de condicions d&#8217;hipoteca a la contractaci\u00f3 d&#8217;assegurances.<\/p><p class=\"wp-block-paragraph\">El Consell General declara que \u00e9s \u201cun pas m\u00e9s per acabar amb una pr\u00e0ctica il\u00b7legal que fa anys que denunciem. La const\u00e0ncia i fermesa dels mediadors a assenyalar aquesta situaci\u00f3 s&#8217;ha tradu\u00eft, en els darrers 18 mesos, en accions clares per part del Banc d&#8217;Espanya, el supervisor d&#8217;assegurances europees -EIOPA-, tribunals de Just\u00edcia, Defensor del Poble i, ara , el Ministeri d&#8217;Economia. Des dels Col\u00b7legis s&#8217;espera que totes les entitats banc\u00e0ries s&#8217;adhereixin al Pla\u201d<\/p><p class=\"wp-block-paragraph\">Aquest pla engegat pret\u00e9n alleujar la c\u00e0rrega financera dels que han signat una hipoteca de tipus variable els \u00faltims anys.<\/p><p class=\"wp-block-paragraph\"><figure class=\"wp-block-image\"><figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-3077\" src=\"https:\/\/invertiscapital.com\/wp-content\/uploads\/2022\/12\/closeup-of-handshake-of-business-man-and-woman-in-meeting.jpg\" alt=\"\" width=\"1500\" height=\"500\" \/><\/figure><\/figure><\/p><p class=\"wp-block-paragraph\">Actualment, la situaci\u00f3 segons el Consell General de Mediadors fa que els bancs incompleixin tres lleis: Distribuci\u00f3 d&#8217;Assegurances, Defensa de la Compet\u00e8ncia i la Llei General de Consumidors i Usuaris. Tot aix\u00f2 per fer creure lusuari que est\u00e0 obligat a contractar lasseguran\u00e7a amb el banc.<\/p><p class=\"wp-block-paragraph\">Per tant, es recull al text del Ministeri d&#8217;Economia que els bancs hauran d&#8217;informar el client de les conseq\u00fc\u00e8ncies jur\u00eddiques i econ\u00f2miques de les diferents alternatives que se&#8217;ls ofereixen, igual que les condicions de pr\u00f2rroga. Aix\u00ed, no podr\u00e0 comportar cap cobrament en cas que la modificaci\u00f3 de condicions, excepte la prima de contracte d&#8217;asseguran\u00e7a.<\/p><p class=\"wp-block-paragraph\">Fa dos anys que els Col\u00b7legis de Mediadors han redoblat les reunions amb reguladors, administracions i grups parlamentaris per aconseguir que es respecti la llibertat dels clients i la compet\u00e8ncia.<\/p><p class=\"wp-block-paragraph\">Font: mediadors.info<\/p>","protected":false},"excerpt":{"rendered":"<p>Una bona not\u00edcia per als Col\u00b7legis de Mediadors, ja que el Govern aprova el Pla de Rescat Hipotecari. Entre les mesures que recull trobem una menci\u00f3 directa a la vinculaci\u00f3 del canvi de condicions d&#8217;hipoteca a la contractaci\u00f3 d&#8217;assegurances. El Consell General declara que \u00e9s \u201cun pas m\u00e9s per acabar amb una pr\u00e0ctica il\u00b7legal que [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":2559,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","footnotes":""},"categories":[125],"tags":[],"class_list":["post-2626","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assegurances-i-proteccio","has-post-title","has-post-date","has-post-category","has-post-tag","has-post-comment","has-post-author",""],"acf":[],"builder_content":"","_links":{"self":[{"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/posts\/2626","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/comments?post=2626"}],"version-history":[{"count":4,"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/posts\/2626\/revisions"}],"predecessor-version":[{"id":3163,"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/posts\/2626\/revisions\/3163"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/media\/2559"}],"wp:attachment":[{"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/media?parent=2626"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/categories?post=2626"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/tags?post=2626"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}