{"id":5643,"date":"2019-11-29T10:40:32","date_gmt":"2019-11-29T10:40:32","guid":{"rendered":"http:\/\/inrevi.enrique-sancho.com\/?p=5643"},"modified":"2019-11-29T10:40:32","modified_gmt":"2019-11-29T10:40:32","slug":"que-es-la-hipoteca-subrogada","status":"publish","type":"post","link":"https:\/\/www.gruporetiro.com\/inversor\/2019\/11\/29\/que-es-la-hipoteca-subrogada\/","title":{"rendered":"\u00bfQu\u00e9 es la hipoteca Subrogada?"},"content":{"rendered":"<p>La subrogaci\u00f3n es uno de los tipos de hipoteca m\u00e1s usados hoy en d\u00eda.<span id=\"more-7738\"><\/span><\/p>\n<h2>Habr\u00eda dos tipos:<\/h2>\n<ul>\n<li><strong>Subrogaci\u00f3n personal o subjetiva:<\/strong> Cambiaremos alguno de los titulares o avalistas. Este tipo es el que se podr\u00eda dar en el caso de <strong>la venta de la nuda propiedad<\/strong> con m\u00e1s facilidad. Si hablamos de este tipo de subrogaciones tendremos que hablar de dos grandes grupos:<\/li>\n<\/ul>\n<ol>\n<li>Las subrogaciones de deudor: Son aquellas en las que se sustituye el deudor; cuando un particular vende un inmueble hipotecado y se pacta, de com\u00fan acuerdo con el acreedor (entidad bancaria), que parte del pago se realiza asumiendo la deuda del vendedor. Se trata de una mec\u00e1nica muy habitual y antigua en la que por la entidad en la que nos subroguemos no pagaremos impuesto de actos jur\u00eddicos documentados.<\/li>\n<li>Por otra parte est\u00e1n las subrogaciones de acreedor. Esta es mucho m\u00e1s reciente y nace con el fin de estimular la competencia entre entidades bancarias, favorecer la conversi\u00f3n de las hipotecas fijas en variables y aprovechar el previsible descenso de los tipos de inter\u00e9s. El Gobierno dict\u00f3 una Ley, en la que se permit\u00eda a trav\u00e9s de un procedimiento muy marcado, cambiar de Banco nuestra hipoteca, cambiar de acreedor. Para ello no tenemos que cancelar la hipoteca en el Registro de la Propiedad y nos ahorramos el Impuesto de Actos Jur\u00eddicos Documentados.<\/li>\n<\/ol>\n<ul>\n<li><strong>Subrogaci\u00f3n real u objetiva<\/strong>: Cambiaremos el bien hipotecario<\/li>\n<\/ul>\n<h2>\u00bfCu\u00e1nto cuesta?<\/h2>\n<ul>\n<li>Gastos de comisi\u00f3n de subrogaci\u00f3n<\/li>\n<li>Gastos de notar\u00eda<\/li>\n<li>Gastos de gestor\u00eda<\/li>\n<li>Gastos de inscripci\u00f3n en el registro de la propiedad<\/li>\n<li>Tambi\u00e9n es habitual que el banco exija una nueva tasaci\u00f3n del inmueble y el gasto correr\u00e1 a cargo del deudor<\/li>\n<\/ul>\n<p>Antes de realizar una subrogaci\u00f3n debemos estudiar y hacer una comparativa de los gastos que conlleva y del ahorro que supone.<\/p>\n<h2>\u00bfQu\u00e9 condiciones mejoran al subrogar la hipoteca?<\/h2>\n<ul>\n<li>Inter\u00e9s hipotecario:\u00a0Mediante una subrogaci\u00f3n de hipoteca podremos rebajar o\u00a0cambiar el tipo de inter\u00e9s del pr\u00e9stamo hipotecario,\u00a0<a href=\"https:\/\/www.helpmycash.com\/hipotecas\/cambiar-hipoteca-variable-a-fija\/\">como por ejemplo pasar de una hipoteca variable a otra a tipo fijo<\/a>.<\/li>\n<li>Cl\u00e1usulas \u201cabusivas\u201d:\u00a0Si nuestra hipoteca tiene alguna condici\u00f3n abusiva,\u00a0como las cl\u00e1usulas suelo,podemos utilizar el traslado para eliminarlas. Adem\u00e1s, aunque efectuemos la subrogaci\u00f3n de hipoteca, mantendremos el derecho de reclamar la devoluci\u00f3n del suelo a la entidad anterior. Con esta operaci\u00f3n tambi\u00e9n nos podemos deshacer de otras cl\u00e1usulas o apartados que est\u00e9n encareciendo abusivamente nuestra hipoteca, como el \u00edndice IRPH.<\/li>\n<li>El plazo de reembolso:Tambi\u00e9n podemos aprovechar el traslado para acortar o ampliar el per\u00edodo de devoluci\u00f3n de nuestro pr\u00e9stamo hipotecario.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>La subrogaci\u00f3n es uno de los tipos de hipoteca m\u00e1s usados hoy en d\u00eda. Habr\u00eda dos tipos: Subrogaci\u00f3n personal o subjetiva: Cambiaremos alguno de los titulares o avalistas. Este tipo es el que se podr\u00eda dar en el caso de la venta de la nuda propiedad con m\u00e1s facilidad. Si hablamos de este tipo de [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":5621,"comment_status":"closed","ping_status":"open","sticky":false,"template":"elementor_theme","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[94,93],"tags":[],"class_list":["post-5643","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economia","category-vivienda"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u00bfQu\u00e9 es la hipoteca Subrogada? - Inversi\u00f3n Renta Vitalicia<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.gruporetiro.com\/inversor\/2019\/11\/29\/que-es-la-hipoteca-subrogada\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u00bfQu\u00e9 es la hipoteca Subrogada? - Inversi\u00f3n Renta Vitalicia\" \/>\n<meta property=\"og:description\" content=\"La subrogaci\u00f3n es uno de los tipos de hipoteca m\u00e1s usados hoy en d\u00eda. 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