{"id":5571,"date":"2025-04-22T09:37:10","date_gmt":"2025-04-22T07:37:10","guid":{"rendered":"https:\/\/notariaviaaugusta4.com\/?page_id=5571"},"modified":"2025-05-25T11:46:22","modified_gmt":"2025-05-25T09:46:22","slug":"prestem-i-operacions-hipotecaries","status":"publish","type":"page","link":"https:\/\/notariaviaaugusta4.com\/ca\/prestamos-y-operaciones-hipotecarias\/","title":{"rendered":"Pr\u00e9stecs i Operacions Hipotec\u00e0ries"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"5571\" class=\"elementor elementor-5571\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3df6954 e-flex e-con-boxed e-con e-parent\" data-id=\"3df6954\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-67344cf elementor-widget elementor-widget-heading\" data-id=\"67344cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Pr\u00e9stamos y operaciones hipotecarias<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-23eac7a elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"23eac7a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d878dbb e-flex e-con-boxed e-con e-parent\" data-id=\"d878dbb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-caf3ff8 e-con-full e-flex e-con e-child\" data-id=\"caf3ff8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9c483c2 elementor-widget elementor-widget-heading\" data-id=\"9c483c2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00bfEn qu\u00e9 consiste la intervenci\u00f3n notarial en los pr\u00e9stamos y dem\u00e1s operaciones hipotecarias?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-92b101a elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"92b101a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-598c829 e-con-full e-flex e-con e-child\" data-id=\"598c829\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7c5af34 elementor-widget elementor-widget-text-editor\" data-id=\"7c5af34\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>En los pr\u00e9stamos y dem\u00e1s operaciones hipotecarias <strong>el Notario garantiza la transparencia y realiza un control de legalidad de los acuerdos alcanzados con las <\/strong><strong>entidades financieras<\/strong>. En ellas el Notario presta un <strong>asesoramiento imparcial y personalizado<\/strong>, asegur\u00e1ndose de que el prestatario comprende y acepta el contenido de la documentaci\u00f3n remitida y proporcionada por la entidad (normalmente un banco).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8cb839e e-flex e-con-boxed e-con e-parent\" data-id=\"8cb839e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5d13e5d e-con-full e-flex e-con e-child\" data-id=\"5d13e5d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e1f6b65 elementor-widget elementor-widget-heading\" data-id=\"e1f6b65\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00bfEn qu\u00e9 casos necesitar\u00e9 acudir a la Notar\u00eda?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ffcf43 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"7ffcf43\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e01349f e-con-full e-flex e-con e-child\" data-id=\"e01349f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-05566cb elementor-widget elementor-widget-text-editor\" data-id=\"05566cb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Necesitar\u00e1 acudir siempre que se vaya a formalizar un pr\u00e9stamo hipotecario, una novaci\u00f3n de hipoteca, una subrogaci\u00f3n de acreedor, pr\u00e9stamos personales o afianzamientos, por citar las operaciones m\u00e1s habituales. La intervenci\u00f3n notarial es obligatoria en operaciones hipotecarias con consumidores, tras la Ley 5\/2019, de 15 de marzo, reguladora de los contratos de cr\u00e9dito inmobiliario.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-439bb1a e-flex e-con-boxed e-con e-parent\" data-id=\"439bb1a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-127baf8 e-con-full e-flex e-con e-child\" data-id=\"127baf8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-acd655f elementor-widget elementor-widget-heading\" data-id=\"acd655f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00bfQu\u00e9 funciones cumple el Notario?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eb66aea elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"eb66aea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dbd2893 e-con-full e-flex e-con e-child\" data-id=\"dbd2893\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-90ca1ba elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"90ca1ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-user-check\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224 256c70.7 0 128-57.3 128-128S294.7 0 224 0 96 57.3 96 128s57.3 128 128 128zm89.6 32h-16.7c-22.2 10.2-46.9 16-72.9 16s-50.6-5.8-72.9-16h-16.7C60.2 288 0 348.2 0 422.4V464c0 26.5 21.5 48 48 48h352c26.5 0 48-21.5 48-48v-41.6c0-74.2-60.2-134.4-134.4-134.4zm323-128.4l-27.8-28.1c-4.6-4.7-12.1-4.7-16.8-.1l-104.8 104-45.5-45.8c-4.6-4.7-12.1-4.7-16.8-.1l-28.1 27.9c-4.7 4.6-4.7 12.1-.1 16.8l81.7 82.3c4.6 4.7 12.1 4.7 16.8.1l141.3-140.2c4.6-4.7 4.7-12.2.1-16.8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Verifica la identidad y capacidad legal <\/strong>de todas las partes.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-user-check\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224 256c70.7 0 128-57.3 128-128S294.7 0 224 0 96 57.3 96 128s57.3 128 128 128zm89.6 32h-16.7c-22.2 10.2-46.9 16-72.9 16s-50.6-5.8-72.9-16h-16.7C60.2 288 0 348.2 0 422.4V464c0 26.5 21.5 48 48 48h352c26.5 0 48-21.5 48-48v-41.6c0-74.2-60.2-134.4-134.4-134.4zm323-128.4l-27.8-28.1c-4.6-4.7-12.1-4.7-16.8-.1l-104.8 104-45.5-45.8c-4.6-4.7-12.1-4.7-16.8-.1l-28.1 27.9c-4.7 4.6-4.7 12.1-.1 16.8l81.7 82.3c4.6 4.7 12.1 4.7 16.8.1l141.3-140.2c4.6-4.7 4.7-12.2.1-16.8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Comprueba que la oferta remitida por la entidad financiera cumple la normativa vigente<\/strong>, incluyendo las obligaciones de transparencia bancaria.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-user-check\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224 256c70.7 0 128-57.3 128-128S294.7 0 224 0 96 57.3 96 128s57.3 128 128 128zm89.6 32h-16.7c-22.2 10.2-46.9 16-72.9 16s-50.6-5.8-72.9-16h-16.7C60.2 288 0 348.2 0 422.4V464c0 26.5 21.5 48 48 48h352c26.5 0 48-21.5 48-48v-41.6c0-74.2-60.2-134.4-134.4-134.4zm323-128.4l-27.8-28.1c-4.6-4.7-12.1-4.7-16.8-.1l-104.8 104-45.5-45.8c-4.6-4.7-12.1-4.7-16.8-.1l-28.1 27.9c-4.7 4.6-4.7 12.1-.1 16.8l81.7 82.3c4.6 4.7 12.1 4.7 16.8.1l141.3-140.2c4.6-4.7 4.7-12.2.1-16.8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Asesora gratuitamente y de forma imparcial a los prestatarios, especialmente en materia de pr\u00e9stamos hipotecarios.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-user-check\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224 256c70.7 0 128-57.3 128-128S294.7 0 224 0 96 57.3 96 128s57.3 128 128 128zm89.6 32h-16.7c-22.2 10.2-46.9 16-72.9 16s-50.6-5.8-72.9-16h-16.7C60.2 288 0 348.2 0 422.4V464c0 26.5 21.5 48 48 48h352c26.5 0 48-21.5 48-48v-41.6c0-74.2-60.2-134.4-134.4-134.4zm323-128.4l-27.8-28.1c-4.6-4.7-12.1-4.7-16.8-.1l-104.8 104-45.5-45.8c-4.6-4.7-12.1-4.7-16.8-.1l-28.1 27.9c-4.7 4.6-4.7 12.1-.1 16.8l81.7 82.3c4.6 4.7 12.1 4.7 16.8.1l141.3-140.2c4.6-4.7 4.7-12.2.1-16.8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Comprueba que la escritura se ajusta, coincide y es id\u00e9ntica a la oferta vinculante que previamente ha hecho la entidad financiera, y que aparece en la Ficha Europea de Informaci\u00f3n Normalizada (FEIN).<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-user-check\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224 256c70.7 0 128-57.3 128-128S294.7 0 224 0 96 57.3 96 128s57.3 128 128 128zm89.6 32h-16.7c-22.2 10.2-46.9 16-72.9 16s-50.6-5.8-72.9-16h-16.7C60.2 288 0 348.2 0 422.4V464c0 26.5 21.5 48 48 48h352c26.5 0 48-21.5 48-48v-41.6c0-74.2-60.2-134.4-134.4-134.4zm323-128.4l-27.8-28.1c-4.6-4.7-12.1-4.7-16.8-.1l-104.8 104-45.5-45.8c-4.6-4.7-12.1-4.7-16.8-.1l-28.1 27.9c-4.7 4.6-4.7 12.1-.1 16.8l81.7 82.3c4.6 4.7 12.1 4.7 16.8.1l141.3-140.2c4.6-4.7 4.7-12.2.1-16.8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Da fe del acto, otorgando fuerza ejecutiva<\/strong> al contrato de pr\u00e9stamo.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-user-check\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224 256c70.7 0 128-57.3 128-128S294.7 0 224 0 96 57.3 96 128s57.3 128 128 128zm89.6 32h-16.7c-22.2 10.2-46.9 16-72.9 16s-50.6-5.8-72.9-16h-16.7C60.2 288 0 348.2 0 422.4V464c0 26.5 21.5 48 48 48h352c26.5 0 48-21.5 48-48v-41.6c0-74.2-60.2-134.4-134.4-134.4zm323-128.4l-27.8-28.1c-4.6-4.7-12.1-4.7-16.8-.1l-104.8 104-45.5-45.8c-4.6-4.7-12.1-4.7-16.8-.1l-28.1 27.9c-4.7 4.6-4.7 12.1-.1 16.8l81.7 82.3c4.6 4.7 12.1 4.7 16.8.1l141.3-140.2c4.6-4.7 4.7-12.2.1-16.8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">La escritura p\u00fablica permite la inscripci\u00f3n de la hipoteca en el Registro de la Propiedad.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1143d37 e-flex e-con-boxed e-con e-parent\" data-id=\"1143d37\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5ef2be0 e-con-full e-flex e-con e-child\" data-id=\"5ef2be0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-197687d elementor-widget elementor-widget-heading\" data-id=\"197687d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Ejemplos de uso m\u00e1s habituales:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-84dd329 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"84dd329\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4b0fced e-con-full e-flex e-con e-child\" data-id=\"4b0fced\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1429082 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"1429082\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-edit\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M402.3 344.9l32-32c5-5 13.7-1.5 13.7 5.7V464c0 26.5-21.5 48-48 48H48c-26.5 0-48-21.5-48-48V112c0-26.5 21.5-48 48-48h273.5c7.1 0 10.7 8.6 5.7 13.7l-32 32c-1.5 1.5-3.5 2.3-5.7 2.3H48v352h352V350.5c0-2.1.8-4.1 2.3-5.6zm156.6-201.8L296.3 405.7l-90.4 10c-26.2 2.9-48.5-19.2-45.6-45.6l10-90.4L432.9 17.1c22.9-22.9 59.9-22.9 82.7 0l43.2 43.2c22.9 22.9 22.9 60 .1 82.8zM460.1 174L402 115.9 216.2 301.8l-7.3 65.3 65.3-7.3L460.1 174zm64.8-79.7l-43.2-43.2c-4.1-4.1-10.8-4.1-14.8 0L436 82l58.1 58.1 30.9-30.9c4-4.2 4-10.8-.1-14.9z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Firma de un pr\u00e9stamo hipotecario para financiar la compra de la vivienda habitual. <\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-edit\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M402.3 344.9l32-32c5-5 13.7-1.5 13.7 5.7V464c0 26.5-21.5 48-48 48H48c-26.5 0-48-21.5-48-48V112c0-26.5 21.5-48 48-48h273.5c7.1 0 10.7 8.6 5.7 13.7l-32 32c-1.5 1.5-3.5 2.3-5.7 2.3H48v352h352V350.5c0-2.1.8-4.1 2.3-5.6zm156.6-201.8L296.3 405.7l-90.4 10c-26.2 2.9-48.5-19.2-45.6-45.6l10-90.4L432.9 17.1c22.9-22.9 59.9-22.9 82.7 0l43.2 43.2c22.9 22.9 22.9 60 .1 82.8zM460.1 174L402 115.9 216.2 301.8l-7.3 65.3 65.3-7.3L460.1 174zm64.8-79.7l-43.2-43.2c-4.1-4.1-10.8-4.1-14.8 0L436 82l58.1 58.1 30.9-30.9c4-4.2 4-10.8-.1-14.9z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Novaci\u00f3n hipotecaria para modificar las condiciones de una hipoteca, como puede ser pasar de un tipo de inter\u00e9s variable a uno fijo.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-edit\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M402.3 344.9l32-32c5-5 13.7-1.5 13.7 5.7V464c0 26.5-21.5 48-48 48H48c-26.5 0-48-21.5-48-48V112c0-26.5 21.5-48 48-48h273.5c7.1 0 10.7 8.6 5.7 13.7l-32 32c-1.5 1.5-3.5 2.3-5.7 2.3H48v352h352V350.5c0-2.1.8-4.1 2.3-5.6zm156.6-201.8L296.3 405.7l-90.4 10c-26.2 2.9-48.5-19.2-45.6-45.6l10-90.4L432.9 17.1c22.9-22.9 59.9-22.9 82.7 0l43.2 43.2c22.9 22.9 22.9 60 .1 82.8zM460.1 174L402 115.9 216.2 301.8l-7.3 65.3 65.3-7.3L460.1 174zm64.8-79.7l-43.2-43.2c-4.1-4.1-10.8-4.1-14.8 0L436 82l58.1 58.1 30.9-30.9c4-4.2 4-10.8-.1-14.9z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Subrogaci\u00f3n de una hipoteca para cambiar de entidad bancaria que mejora las condiciones que ten\u00eda.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b7a1040 e-flex e-con-boxed e-con e-parent\" data-id=\"b7a1040\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6d43473 e-con-full e-flex e-con e-child\" data-id=\"6d43473\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-09227ff elementor-widget elementor-widget-heading\" data-id=\"09227ff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Preguntas frecuentes sobre pr\u00e9stamos y operaciones hipotecarias<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-343e670 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"343e670\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-931cccf e-con-full e-flex e-con e-child\" data-id=\"931cccf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dd634a2 elementor-widget elementor-widget-n-accordion\" data-id=\"dd634a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2320\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2320\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> \u00bfEs obligatorio acudir al Notario para firmar una hipoteca? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-caret-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2320\" class=\"elementor-element elementor-element-ee4fbf3 e-con-full e-flex e-con e-child\" data-id=\"ee4fbf3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ee63ebb elementor-widget elementor-widget-text-editor\" data-id=\"ee63ebb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>S\u00ed, la ley espa\u00f1ola exige la intervenci\u00f3n de un Notario para garantizar la transparencia del proceso y para lograr la inscripci\u00f3n de la hipoteca en el Registro de la Propiedad, al ser de los pocos supuestos en los que la inscripci\u00f3n registral es constitutiva de la hipoteca (es decir, hasta que no se inscribe, \u201cno existe\u201d).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2321\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2321\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> \u00bfPuedo elegir al Notario para firmar mi compraventa y pr\u00e9stamo hipotecario? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-caret-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2321\" class=\"elementor-element elementor-element-c2804f1 e-con-full e-flex e-con e-child\" data-id=\"c2804f1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7178c24 elementor-widget elementor-widget-text-editor\" data-id=\"7178c24\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>S\u00ed, el prestatario tiene derecho a elegir libremente al Notario, para lo cual suelen influir aspectos como la confianza, el conocimiento personal de la Notar\u00eda, recomendaciones o la cercan\u00eda. El Banco puede sugerir un Notario con el que trabaje habitualmente pero nunca podr\u00e1 ser impuesto al consumidor, que tendr\u00e1 siempre la \u00faltima palabra.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2322\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2322\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> \u00bfCu\u00e1ntas veces deber\u00e9 acudir a la Notar\u00eda? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-caret-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2322\" class=\"elementor-element elementor-element-212f072 e-con-full e-flex e-con e-child\" data-id=\"212f072\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-429b5bc elementor-widget elementor-widget-text-editor\" data-id=\"429b5bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Generalmente, el proceso se completa con dos visitas a la Notar\u00eda. La primera para el otorgamiento del acta previa de transparencia, y la segunda, con la que culmina el proceso, para la firma, en su caso, de la compraventa y el pr\u00e9stamo hipotecario.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2323\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2323\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> \u00bfQu\u00e9 tipo de asesoramiento proporciona el Notario el d\u00eda que se firma el acta previa de transparencia? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-caret-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2323\" class=\"elementor-element elementor-element-6d5535e e-con-full e-flex e-con e-child\" data-id=\"6d5535e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2df4822 elementor-widget elementor-widget-text-editor\" data-id=\"2df4822\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>En este primer encuentro, el Notario se centrar\u00e1 en informar de manera individualizada sobre todas las cl\u00e1usulas recogidas en la FEIN y en la FiAE, y responder\u00e1 a todas las dudas que se planteen. Ahora bien, el Notario no es el encargado de suplir los deberes de transparencia que corresponden al prestamista (normalmente el Banco). El Notario es un funcionario imparcial con una alt\u00edsima competencia jur\u00eddica, pero no tiene por qu\u00e9 tener conocimientos financieros especializados. Ahora bien, el Notario s\u00ed que comprobar\u00e1 y preguntar\u00e1 al consumidor si ha recibido las explicaciones financieras adecuadas por parte del Banco, que es quien prepara el producto financiero en cuesti\u00f3n.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2324\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2324\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> \u00bfPuedo modificar alguna de las condiciones de mi hipoteca ya firmada, como cambiar el tipo de inter\u00e9s o ampliar el plazo? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-caret-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2324\" class=\"elementor-element elementor-element-61c2327 e-con-full e-flex e-con e-child\" data-id=\"61c2327\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5cb6ec5 elementor-widget elementor-widget-text-editor\" data-id=\"5cb6ec5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>S\u00ed, mediante una novaci\u00f3n hipotecaria, que tambi\u00e9n debe formalizarse ante Notario. Ahora bien, has de verificar si este cambio conlleva alg\u00fan coste en forma de comisi\u00f3n que cobre el Banco, para lo que deber\u00e1s acudir a la escritura que firmaste en su d\u00eda, y que recoger\u00e1, entre otras cuestiones, todas las comisiones aplicables.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"\\u00bfEs obligatorio acudir al Notario para firmar una hipoteca?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"S\\u00ed, la ley espa\\u00f1ola exige la intervenci\\u00f3n de un Notario para garantizar la transparencia del proceso y para lograr la inscripci\\u00f3n de la hipoteca en el Registro de la Propiedad, al ser de los pocos supuestos en los que la inscripci\\u00f3n registral es constitutiva de la hipoteca (es decir, hasta que no se inscribe, \\u201cno existe\\u201d).\"}},{\"@type\":\"Question\",\"name\":\"\\u00bfPuedo elegir al Notario para firmar mi compraventa y pr\\u00e9stamo hipotecario?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"S\\u00ed, el prestatario tiene derecho a elegir libremente al Notario, para lo cual suelen influir aspectos como la confianza, el conocimiento personal de la Notar\\u00eda, recomendaciones o la cercan\\u00eda. El Banco puede sugerir un Notario con el que trabaje habitualmente pero nunca podr\\u00e1 ser impuesto al consumidor, que tendr\\u00e1 siempre la \\u00faltima palabra.\"}},{\"@type\":\"Question\",\"name\":\"\\u00bfCu\\u00e1ntas veces deber\\u00e9 acudir a la Notar\\u00eda?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Generalmente, el proceso se completa con dos visitas a la Notar\\u00eda. La primera para el otorgamiento del acta previa de transparencia, y la segunda, con la que culmina el proceso, para la firma, en su caso, de la compraventa y el pr\\u00e9stamo hipotecario.\"}},{\"@type\":\"Question\",\"name\":\"\\u00bfQu\\u00e9 tipo de asesoramiento proporciona el Notario el d\\u00eda que se firma el acta previa de transparencia?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"En este primer encuentro, el Notario se centrar\\u00e1 en informar de manera individualizada sobre todas las cl\\u00e1usulas recogidas en la FEIN y en la FiAE, y responder\\u00e1 a todas las dudas que se planteen. Ahora bien, el Notario no es el encargado de suplir los deberes de transparencia que corresponden al prestamista (normalmente el Banco). El Notario es un funcionario imparcial con una alt\\u00edsima competencia jur\\u00eddica, pero no tiene por qu\\u00e9 tener conocimientos financieros especializados. Ahora bien, el Notario s\\u00ed que comprobar\\u00e1 y preguntar\\u00e1 al consumidor si ha recibido las explicaciones financieras adecuadas por parte del Banco, que es quien prepara el producto financiero en cuesti\\u00f3n.\"}},{\"@type\":\"Question\",\"name\":\"\\u00bfPuedo modificar alguna de las condiciones de mi hipoteca ya firmada, como cambiar el tipo de inter\\u00e9s o ampliar el plazo?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"S\\u00ed, mediante una novaci\\u00f3n hipotecaria, que tambi\\u00e9n debe formalizarse ante Notario. Ahora bien, has de verificar si este cambio conlleva alg\\u00fan coste en forma de comisi\\u00f3n que cobre el Banco, para lo que deber\\u00e1s acudir a la escritura que firmaste en su d\\u00eda, y que recoger\\u00e1, entre otras cuestiones, todas las comisiones aplicables.\"}}]}<\/script>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c362b90 e-flex e-con-boxed e-con e-parent\" data-id=\"c362b90\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-e98ea4f e-con-full e-flex e-con e-child\" data-id=\"e98ea4f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d5b09df elementor-widget elementor-widget-heading\" data-id=\"d5b09df\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Solicite informaci\u00f3n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-63e238b elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"63e238b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f51af9 elementor-widget elementor-widget-text-editor\" data-id=\"7f51af9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Ll\u00e1menos, vis\u00edtenos o rellene el formulario de contacto.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1c1ab80 elementor-align-start elementor-mobile-align-start elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"1c1ab80\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"tel:934674860\" target=\"_blank\" rel=\"nofollow\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-phone-alt\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M497.39 361.8l-112-48a24 24 0 0 0-28 6.9l-49.6 60.6A370.66 370.66 0 0 1 130.6 204.11l60.6-49.6a23.94 23.94 0 0 0 6.9-28l-48-112A24.16 24.16 0 0 0 122.6.61l-104 24A24 24 0 0 0 0 48c0 256.5 207.9 464 464 464a24 24 0 0 0 23.4-18.6l24-104a24.29 24.29 0 0 0-14.01-27.6z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">934 674 860<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.google.es\/maps\/place\/Notar%C3%ADa+Barcelona+V%C3%ADa+Augusta+4:+Mario+Romeo+Garc%C3%ADa+y+Francisco+Javier+Monedero+Alcover\/@41.3963208,2.1530138,17z\/data=!3m1!4b1!4m6!3m5!1s0x12a4a2974d13d857:0xc28e7548bf80779e!8m2!3d41.3963168!4d2.1555887!16s%2Fg%2F11cmbgk8mc?entry=ttu&#038;g_ep=EgoyMDI1MDIxNy4wIKXMDSoJLDEwMjExNDU1SAFQAw%3D%3D\" target=\"_blank\" rel=\"noopener\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-map-marked\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288 0c-69.59 0-126 56.41-126 126 0 56.26 82.35 158.8 113.9 196.02 6.39 7.54 17.82 7.54 24.2 0C331.65 284.8 414 182.26 414 126 414 56.41 357.59 0 288 0zM20.12 215.95A32.006 32.006 0 0 0 0 245.66v250.32c0 11.32 11.43 19.06 21.94 14.86L160 448V214.92c-8.84-15.98-16.07-31.54-21.25-46.42L20.12 215.95zM288 359.67c-14.07 0-27.38-6.18-36.51-16.96-19.66-23.2-40.57-49.62-59.49-76.72v182l192 64V266c-18.92 27.09-39.82 53.52-59.49 76.72-9.13 10.77-22.44 16.95-36.51 16.95zm266.06-198.51L416 224v288l139.88-55.95A31.996 31.996 0 0 0 576 426.34V176.02c0-11.32-11.43-19.06-21.94-14.86z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">V\u00eda Augusta 4, Planta 2\u00aa 08006 Barcelona<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-87ae4dc elementor-align-start elementor-mobile-align-start elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"87ae4dc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#\" target=\"_blank\" rel=\"nofollow\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-clock\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256,8C119,8,8,119,8,256S119,504,256,504,504,393,504,256,393,8,256,8Zm92.49,313h0l-20,25a16,16,0,0,1-22.49,2.5h0l-67-49.72a40,40,0,0,1-15-31.23V112a16,16,0,0,1,16-16h32a16,16,0,0,1,16,16V256l58,42.5A16,16,0,0,1,348.49,321Z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Horario<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7223b7d elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"7223b7d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Lunes, Martes, Mi\u00e9rcoles y Jueves de 9:00h a 14:00h y de 15:00h a 18:00h.<br \/>Viernes de 9:00h a 14:30h.<br \/>S\u00e1bados y Domingos: Cerrado.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f164a20 elementor-button-align-start elementor-widget elementor-widget-global elementor-global-6354 elementor-widget-form\" data-id=\"f164a20\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;step_next_label&quot;:&quot;Next&quot;,&quot;step_previous_label&quot;:&quot;Previous&quot;,&quot;button_width&quot;:&quot;100&quot;,&quot;step_type&quot;:&quot;number_text&quot;,&quot;step_icon_shape&quot;:&quot;circle&quot;}\" data-widget_type=\"form.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<form class=\"elementor-form\" method=\"post\" name=\"New Form\" aria-label=\"New Form\">\n\t\t\t<input type=\"hidden\" name=\"post_id\" value=\"5571\"\/>\n\t\t\t<input type=\"hidden\" name=\"form_id\" value=\"f164a20\"\/>\n\t\t\t<input type=\"hidden\" name=\"referer_title\" value=\"\" \/>\n\n\t\t\t\n\t\t\t<div class=\"elementor-form-fields-wrapper elementor-labels-\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-nombrecompleto elementor-col-100 elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[nombrecompleto]\" id=\"form-field-nombrecompleto\" class=\"elementor-field elementor-size-sm  elementor-field-textual\" placeholder=\"Su nombre y apellido\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-tel elementor-field-group elementor-column elementor-field-group-field_55d42a8 elementor-col-100 elementor-field-required\">\n\t\t\t\t\t\t\t<input size=\"1\" type=\"tel\" name=\"form_fields[field_55d42a8]\" id=\"form-field-field_55d42a8\" class=\"elementor-field elementor-size-sm  elementor-field-textual\" placeholder=\"Su tel\u00e9fono\" required=\"required\" pattern=\"[0-9()#&amp;+*-=.]+\" title=\"Only numbers and phone characters (#, -, *, etc) are accepted.\">\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-email elementor-field-group elementor-column elementor-field-group-email elementor-col-100 elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"email\" name=\"form_fields[email]\" id=\"form-field-email\" class=\"elementor-field elementor-size-sm  elementor-field-textual\" placeholder=\"Su correo electr\u00f3nico\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-textarea elementor-field-group elementor-column elementor-field-group-message elementor-col-100 elementor-field-required\">\n\t\t\t\t\t<textarea class=\"elementor-field-textual elementor-field  elementor-size-sm\" name=\"form_fields[message]\" id=\"form-field-message\" rows=\"4\" placeholder=\"Su mensaje\" required=\"required\"><\/textarea>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-acceptance 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data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b90aa04 elementor-widget elementor-widget-text-editor\" data-id=\"b90aa04\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><img decoding=\"async\" class=\"alignnone wp-image-5354\" src=\"https:\/\/notariaviaaugusta4.com\/wp-content\/uploads\/2025\/03\/Diseno-sin-titulo-4-300x109.jpg\" alt=\"Pr\u00e9stamos y operaciones hipotecarias\" width=\"171\" height=\"62\" srcset=\"https:\/\/notariaviaaugusta4.com\/wp-content\/uploads\/2025\/03\/Diseno-sin-titulo-4-300x109.jpg 300w, https:\/\/notariaviaaugusta4.com\/wp-content\/uploads\/2025\/03\/Diseno-sin-titulo-4-1024x373.jpg 1024w, https:\/\/notariaviaaugusta4.com\/wp-content\/uploads\/2025\/03\/Diseno-sin-titulo-4-768x280.jpg 768w, https:\/\/notariaviaaugusta4.com\/wp-content\/uploads\/2025\/03\/Diseno-sin-titulo-4-1536x560.jpg 1536w, https:\/\/notariaviaaugusta4.com\/wp-content\/uploads\/2025\/03\/Diseno-sin-titulo-4-18x7.jpg 18w, https:\/\/notariaviaaugusta4.com\/wp-content\/uploads\/2025\/03\/Diseno-sin-titulo-4.jpg 1920w\" sizes=\"(max-width: 171px) 100vw, 171px\" \/><\/p><p>\u00a0<\/p><h2 data-start=\"358\" data-end=\"420\">Operaciones hipotecarias con garant\u00eda legal y transparencia<\/h2><p data-start=\"422\" data-end=\"746\">Las <strong data-start=\"426\" data-end=\"454\">operaciones hipotecarias<\/strong> son actos de gran trascendencia econ\u00f3mica y personal. En <strong data-start=\"512\" data-end=\"537\">Notar\u00eda V\u00eda Augusta 4<\/strong>, en Barcelona, le ofrecemos el asesoramiento y respaldo legal necesario para formalizar con total seguridad pr\u00e9stamos hipotecarios, cancelaciones, subrogaciones y otras operaciones relacionadas con hipotecas.<\/p><p data-start=\"748\" data-end=\"922\">Actuar con rigor y transparencia en este tipo de operaciones es fundamental para evitar riesgos y asegurar que todas las partes comprenden y aceptan las condiciones pactadas.<\/p><h3 data-start=\"924\" data-end=\"986\">\u00bfQu\u00e9 operaciones hipotecarias puede formalizar en notar\u00eda?<\/h3><ul data-start=\"988\" data-end=\"1329\"><li data-start=\"988\" data-end=\"1044\"><p data-start=\"990\" data-end=\"1044\"><strong data-start=\"990\" data-end=\"1019\">Constituci\u00f3n de hipotecas<\/strong> sobre bienes inmuebles<\/p><\/li><li data-start=\"1045\" data-end=\"1108\"><p data-start=\"1047\" data-end=\"1108\"><strong data-start=\"1047\" data-end=\"1075\">Cancelaci\u00f3n de hipotecas<\/strong> una vez finalizado el pr\u00e9stamo<\/p><\/li><li data-start=\"1109\" data-end=\"1180\"><p data-start=\"1111\" data-end=\"1180\"><strong data-start=\"1111\" data-end=\"1150\">Ampliaci\u00f3n, modificaci\u00f3n o novaci\u00f3n<\/strong> de condiciones hipotecarias<\/p><\/li><li data-start=\"1181\" data-end=\"1223\"><p data-start=\"1183\" data-end=\"1223\"><strong data-start=\"1183\" data-end=\"1200\">Subrogaciones<\/strong> de acreedor o deudor<\/p><\/li><li data-start=\"1224\" data-end=\"1266\"><p data-start=\"1226\" data-end=\"1266\"><strong data-start=\"1226\" data-end=\"1264\">Pr\u00e9stamos con garant\u00eda hipotecaria<\/strong><\/p><\/li><li data-start=\"1267\" data-end=\"1329\"><p data-start=\"1269\" data-end=\"1329\"><strong data-start=\"1269\" data-end=\"1329\">Hipotecas entre particulares o con entidades financieras<\/strong><\/p><\/li><\/ul><p data-start=\"1331\" data-end=\"1471\">Nuestro equipo revisar\u00e1 toda la documentaci\u00f3n, le explicar\u00e1 cada cl\u00e1usula de forma clara y velar\u00e1 por la seguridad jur\u00eddica de la operaci\u00f3n.<\/p><h3 data-start=\"1473\" data-end=\"1526\">\u00bfPor qu\u00e9 confiar en nuestra notar\u00eda en Barcelona?<\/h3><ul data-start=\"1528\" data-end=\"1771\"><li data-start=\"1528\" data-end=\"1568\"><p data-start=\"1530\" data-end=\"1568\">Asesoramiento comprensible y cercano<\/p><\/li><li data-start=\"1569\" data-end=\"1638\"><p data-start=\"1571\" data-end=\"1638\">Experiencia en operaciones hipotecarias con bancos y particulares<\/p><\/li><li data-start=\"1639\" data-end=\"1703\"><p data-start=\"1641\" data-end=\"1703\">Revisi\u00f3n de cl\u00e1usulas hipotecarias y condiciones financieras<\/p><\/li><li data-start=\"1704\" data-end=\"1771\"><p data-start=\"1706\" data-end=\"1771\">Tramitaci\u00f3n \u00e1gil y coordinaci\u00f3n con el Registro de la Propiedad<\/p><\/li><li data-start=\"1704\" data-end=\"1771\">\u00a0<\/li><\/ul><p data-start=\"919\" data-end=\"1026\">Para m\u00e1s informaci\u00f3n\u00a0 consulte nuestra p\u00e1gina web <a href=\"https:\/\/notariaviaaugusta4.com\/\">https:\/\/notariaviaaugusta4.com\/<\/a><\/p><p data-start=\"919\" data-end=\"1026\">\u00a0<\/p>\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\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Pr\u00e9stamos y operaciones hipotecarias \u00bfEn qu\u00e9 consiste la intervenci\u00f3n notarial en los pr\u00e9stamos y dem\u00e1s operaciones hipotecarias? En los pr\u00e9stamos y dem\u00e1s operaciones hipotecarias el Notario garantiza la transparencia y realiza un control de legalidad de los acuerdos alcanzados con las entidades financieras. En ellas el Notario presta un asesoramiento imparcial y personalizado, asegur\u00e1ndose de [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-5571","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/notariaviaaugusta4.com\/ca\/wp-json\/wp\/v2\/pages\/5571","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/notariaviaaugusta4.com\/ca\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/notariaviaaugusta4.com\/ca\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/notariaviaaugusta4.com\/ca\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/notariaviaaugusta4.com\/ca\/wp-json\/wp\/v2\/comments?post=5571"}],"version-history":[{"count":4,"href":"https:\/\/notariaviaaugusta4.com\/ca\/wp-json\/wp\/v2\/pages\/5571\/revisions"}],"predecessor-version":[{"id":6692,"href":"https:\/\/notariaviaaugusta4.com\/ca\/wp-json\/wp\/v2\/pages\/5571\/revisions\/6692"}],"wp:attachment":[{"href":"https:\/\/notariaviaaugusta4.com\/ca\/wp-json\/wp\/v2\/media?parent=5571"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}