{"id":8026,"date":"2020-05-16T20:05:17","date_gmt":"2020-05-16T19:05:17","guid":{"rendered":"https:\/\/gomezmaestre.com\/web\/?p=8026"},"modified":"2020-05-16T20:05:48","modified_gmt":"2020-05-16T19:05:48","slug":"en-que-consisteix-la-moratoria-hipotecaria-pel-covid19-recursos-per-demanar-la","status":"publish","type":"post","link":"https:\/\/gomezmaestre.com\/web\/en-que-consisteix-la-moratoria-hipotecaria-pel-covid19-recursos-per-demanar-la\/","title":{"rendered":"En qu\u00e8 consisteix la morat\u00f2ria hipotec\u00e0ria pel COVID19? Recursos per demanar-la"},"content":{"rendered":"<p>Un cop declarat l&#8217;estat d&#8217;alarma i adoptades les mesures relacionades amb la situaci\u00f3 d&#8217;emerg\u00e8ncia sanit\u00e0ria derivada de l&#8217;COVID-19, s&#8217;han adoptat un segon conjunt de mesures tendents a afrontar les seves conseq\u00fc\u00e8ncies econ\u00f2miques.<\/p><p>Aquestes mesures econ\u00f2miques s&#8217;han recollit en el Reial decret llei 8\/2020, de mesures urgents extraordin\u00e0ries per fer front a l&#8217;impacte econ\u00f2mic i social de l&#8217;COVID-19 i tenen un abast divers per\u00f2 en tot cas derivat de la disrupci\u00f3 econ\u00f2mica provocada per les mesures sanit\u00e0ries que han hagut de adoptar-se.<\/p><figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"625\" src=\"https:\/\/gomezmaestre.com\/web\/wp-content\/uploads\/slider-bg1-1-1024x625.jpg\" alt=\"\" class=\"wp-image-6911\" srcset=\"https:\/\/gomezmaestre.com\/web\/wp-content\/uploads\/slider-bg1-1.jpg 1024w, https:\/\/gomezmaestre.com\/web\/wp-content\/uploads\/slider-bg1-1-300x183.jpg 300w, https:\/\/gomezmaestre.com\/web\/wp-content\/uploads\/slider-bg1-1-768x469.jpg 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure><p><strong>L&#8217;efecte de la morat\u00f2ria hipotec\u00e0ria \u00e9s la suspensi\u00f3 del deute hipotecari durant el termini estipulat en la mateixa. Durant aquest per\u00edode no es pot aplicar la cl\u00e0usula de venciment anticipat que consti en el contracte, ni s&#8217;aplicaran tampoc interessos moratoris. De fet, durant aquest per\u00edode, el banc no pot exigir el pagament de la quota hipotec\u00e0ria, ni de cap dels conceptes que la integren (capital i interessos).<\/strong><\/p><p>En definitiva, es tracta d&#8217;una mesura oportuna, necess\u00e0ria per donar cobertura a les fam\u00edlies que es puguin veure afectades per la in\u00e8dita situaci\u00f3 creada per l&#8217;emerg\u00e8ncia sanit\u00e0ria en la qual tots estem vivint i que, amb responsabilitat, ha estat ben acollida pels bancs que han ent\u00e8s que, tamb\u00e9 en aquest cas, havien d&#8217;obrar amb la m\u00e0xima flexibilitat respecte de les persones m\u00e9s afectades per aquesta conjuntura tan dif\u00edcil.<\/p><p>RECURSOS PER DEMANAR LA MORAT\u00d2RIA<\/p><blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\"><p><strong>Simulador:<\/strong><\/p><\/blockquote><p><a href=\"https:\/\/www.bankia.es\/es\/particulares\/coronavirus\/ayudas\/puedo-pedir-moratoria-prestamo-hipoteca\">https:\/\/www.bankia.es\/es\/particulares\/coronavirus\/ayudas\/puedo-pedir-moratoria-prestamo-hipoteca<\/a><\/p><blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\"><p><strong>Formulari per crear una carta orientativa per demanar la Morat\u00f2ria al seu Banc:<\/strong><\/p><\/blockquote><p> <a href=\"https:\/\/gomezmaestre.com\/web\/formulari-carta-moratoria-hipoteca\/\">https:\/\/gomezmaestre.com\/web\/formulari-carta-moratoria-hipoteca\/<\/a><\/p><p><\/p>","protected":false},"excerpt":{"rendered":"<p>Un cop declarat l&#8217;estat d&#8217;alarma i adoptades les mesures relacionades amb la situaci\u00f3 d&#8217;emerg\u00e8ncia sanit\u00e0ria derivada de l&#8217;COVID-19, s&#8217;han adoptat un segon conjunt de mesures tendents a afrontar les seves [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":7461,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-8026","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/gomezmaestre.com\/web\/wp-json\/wp\/v2\/posts\/8026"}],"collection":[{"href":"https:\/\/gomezmaestre.com\/web\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/gomezmaestre.com\/web\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/gomezmaestre.com\/web\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/gomezmaestre.com\/web\/wp-json\/wp\/v2\/comments?post=8026"}],"version-history":[{"count":0,"href":"https:\/\/gomezmaestre.com\/web\/wp-json\/wp\/v2\/posts\/8026\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/gomezmaestre.com\/web\/wp-json\/wp\/v2\/media\/7461"}],"wp:attachment":[{"href":"https:\/\/gomezmaestre.com\/web\/wp-json\/wp\/v2\/media?parent=8026"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/gomezmaestre.com\/web\/wp-json\/wp\/v2\/categories?post=8026"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/gomezmaestre.com\/web\/wp-json\/wp\/v2\/tags?post=8026"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}