{"id":73191,"date":"2019-06-18T09:05:14","date_gmt":"2019-06-18T06:05:14","guid":{"rendered":"https:\/\/alegria-realestate.com\/?p=73191"},"modified":"2025-08-14T19:48:23","modified_gmt":"2025-08-14T16:48:23","slug":"mortgage-in-spain-new-law","status":"publish","type":"post","link":"https:\/\/alegria-realestate.com\/pl\/articles\/news\/mortgage-in-spain-new-law","title":{"rendered":"Kredyt hipoteczny w Hiszpanii: kluczowe przepisy nowego prawa"},"content":{"rendered":"<p>Kredyt hipoteczny w Hiszpanii to bardzo popularny spos\u00f3b na zakup domu, dzi\u0119ki lojalno\u015bci bank\u00f3w i niskim oprocentowaniu. Kredyty hipoteczne w Hiszpanii dla Rosjan i innych obcokrajowc\u00f3w udzielane s\u0105 na takich samych warunkach jak dla obywateli hiszpa\u0144skich. 17 czerwca 2019 r. w Hiszpanii wesz\u0142o w \u017cycie nowe prawo hipoteczne o nazwie Ley de Cr\u00e9dito Inmobiliario 5\/2019. Jej przyj\u0119cie przeci\u0105ga\u0142o si\u0119 ponad trzy lata: prace nad ustaw\u0105 w Ministerstwie Gospodarki Hiszpanii rozpocz\u0119\u0142y si\u0119 w 2017 roku pod naciskiem Brukseli. Czym jest to prawo i jak wp\u0142ynie na udzielanie kredyt\u00f3w hipotecznych w Hiszpanii? Rozwi\u0105\u017cmy to. Zgodnie z wymogami Brukseli do wiosny 2016 r. wszystkie pa\u0144stwa cz\u0142onkowskie UE musia\u0142y wypracowa\u0107 ustawodawstwo, kt\u00f3re zawiera wsp\u00f3lne dla ca\u0142ej Unii Europejskiej zasady w zakresie kredyt\u00f3w hipotecznych, jednak ze wzgl\u0119du na niestabiln\u0105 sytuacj\u0119 polityczn\u0105 termin\u00f3w nie mo\u017cna by\u0142o dotrzyma\u0107. spotka\u0142. Ostateczny tekst nowej hiszpa\u0144skiej ustawy hipotecznej zawiera nie tylko te punkty, kt\u00f3re zgodnie z dyrektyw\u0105 brukselsk\u0105 nale\u017ca\u0142o w niej znale\u017a\u0107, ale tak\u017ce szereg innowacji wprowadzonych przez rz\u0105d hiszpa\u0144ski z w\u0142asnej inicjatywy i maj\u0105cych na celu zwi\u0119kszenie bezpiecze\u0144stwa i przejrzysto\u015b\u0107 transakcji hipotecznych zar\u00f3wno dla bank\u00f3w, jak i ich klient\u00f3w. Poni\u017cej dokonamy przegl\u0105du kluczowych zmian, kt\u00f3re wesz\u0142y w \u017cycie wraz z nowym prawem.<\/p>\n<ul>\n<li> Klient zobowi\u0105zany jest zwr\u00f3ci\u0107 si\u0119 do notariusza co najmniej 10 dni przed zawarciem umowy o kredyt hipoteczny w celu wyja\u015bnienia wszelkich w\u0105tpliwo\u015bci. Bank z kolei musi dostarczy\u0107 klientowi umow\u0119 z dok\u0142adnie okre\u015blonymi warunkami co najmniej 10 dni przed podpisaniem. Us\u0142uga jest bezp\u0142atna dla klienta. Po spotkaniu z notariuszem klient potwierdza, \u017ce wszystkie warunki umowy s\u0105 dla niego jasne i akceptuje je podpisuj\u0105c specjalny dokument.<\/li>\n<li> Ograniczenie prowizji za wcze\u015bniejsz\u0105 cz\u0119\u015bciow\u0105 lub ca\u0142kowit\u0105 sp\u0142at\u0119 kredytu hipotecznego. Ograniczenia ustalane s\u0105 w zale\u017cno\u015bci od rodzaju hipoteki (oprocentowanie sta\u0142e lub zr\u00f3\u017cnicowane), a tak\u017ce w zale\u017cno\u015bci od okresu sp\u0142aty (w pierwszej po\u0142owie okresu hipotecznego lub w drugiej). W przypadku kredyt\u00f3w hipotecznych o zmiennym oprocentowaniu op\u0142ata mo\u017ce wynie\u015b\u0107 maksymalnie 0,25%, je\u015bli sp\u0142ata nast\u0105pi w ci\u0105gu pierwszych trzech lat umowy o kredyt hipoteczny i 0,15% w okresie od trzeciego do pi\u0105tego roku. W przypadku kredyt\u00f3w hipotecznych o sta\u0142ym oprocentowaniu limit wynosi 2% przez pierwsze 10 lat umowy i 1,5% po tym okresie.<\/li>\n<li> Okres braku p\u0142atno\u015bci zostaje wyd\u0142u\u017cony, po czym bank mo\u017ce wszcz\u0105\u0107 procedur\u0119 embarga. \u015arodek ten ma na celu ochron\u0119 posiadaczy kredyt\u00f3w hipotecznych do\u015bwiadczaj\u0105cych przej\u015bciowych trudno\u015bci finansowych. Zgodnie z nowym prawem bank mo\u017ce uruchomi\u0107 tzw. klauzul\u0119 przedterminowej sp\u0142aty z powodu braku sp\u0142aty, je\u015bli kredyt hipoteczny ma ponad 12 miesi\u0119cy lub gdy kwota zad\u0142u\u017cenia wynosi co najmniej 3% ca\u0142o\u015bci kredytu.<\/li>\n<li> Zakaz wszelkich zastrze\u017ce\u0144, takich jak rewelacyjny \u201ecl\u00e1usula suelo\u201d. Ta klauzula w umowie kredytu hipotecznego o zmiennym oprocentowaniu ustala\u0142a jego minimaln\u0105 warto\u015b\u0107, a klient by\u0142 zobowi\u0105zany do sp\u0142aty kredytu hipotecznego wed\u0142ug okre\u015blonej stopy nawet po znacznym spadku warto\u015bci indeksu Euribor, a wraz z nim zwi\u0105zanych z nim st\u00f3p procentowych . Wszystkie obecnie istniej\u0105ce zastrze\u017cenia, kt\u00f3re s\u0105 sprzeczne z warunkami przejrzysto\u015bci, zostan\u0105 usuni\u0119te.<\/li>\n<li> Obni\u017cenie koszt\u00f3w i uproszczenie procesu zamiany kredytu hipotecznego o oprocentowaniu zmiennym na kredyt hipoteczny o oprocentowaniu sta\u0142ym. Dodatkowo uproszczona zostanie procedura przewalutowania kredytu udzielonego w walucie obcej na euro.<\/li>\n<li> Nowe prawo ogranicza wysoko\u015b\u0107 op\u0142aty za niesp\u0142at\u0119 (kara), kt\u00f3ra b\u0119dzie teraz naliczana wed\u0142ug schematu: oprocentowanie p\u0142acone przez klienta plus 3% w okresie, w kt\u00f3rym d\u0142ug pozostaje niesp\u0142acony. Ponadto odsetki mog\u0105 by\u0107 naliczane tylko od zaleg\u0142ej kwoty.<\/li>\n<li> Banki nie mog\u0105 zobowi\u0105zywa\u0107 klient\u00f3w do zakupu innych produkt\u00f3w finansowych, takich jak ubezpieczenie domu czy na \u017cycie, jako warunek przyznania kredytu hipotecznego.<\/li>\n<li> Jasny i przejrzysty podzia\u0142 koszt\u00f3w obs\u0142ugi kredytu hipotecznego: klient p\u0142aci tylko za wycen\u0119 nieruchomo\u015bci i dostarczenie mu kopii (lub kilku egzemplarzy) umowy.<\/li>\n<li> Banki s\u0105 zobowi\u0105zane do dok\u0142adnego zbadania wyp\u0142acalno\u015bci klienta, a tak\u017ce udzielenia mu szczeg\u00f3\u0142owych informacji o szczeg\u00f3\u0142ach transakcji, okre\u015blonych w jasnej i zrozumia\u0142ej formie, a tak\u017ce rozwiania wszelkich jego w\u0105tpliwo\u015bci w trakcie trwania umowy o kredyt hipoteczny . W szczeg\u00f3lno\u015bci bank musi zbada\u0107 histori\u0119 kredytow\u0105 potencjalnego kredytobiorcy, zwracaj\u0105c si\u0119 o informacje do Centrum Informacji o Ryzyku Banku Hiszpanii.<\/li>\n<\/ul>\n<p> Nowe prawo hipoteczne ma zastosowanie do wszystkich nowych kredyt\u00f3w hipotecznych udzielanych od momentu wej\u015bcia w \u017cycie osobom fizycznym i przeznaczonych na zakup nieruchomo\u015bci mieszkalnych (gotowych lub w budowie) oraz budynk\u00f3w mieszkalnych. Zdaniem ekspert\u00f3w, prawo rzeczywi\u015bcie zwi\u0119kszy przejrzysto\u015b\u0107 i bezpiecze\u0144stwo w zakresie udzielania kredyt\u00f3w hipotecznych, mo\u017ce jednak doprowadzi\u0107 do wzrostu ceny kredyt\u00f3w hipotecznych i zaostrzenia wymog\u00f3w bank\u00f3w w zakresie ich udzielania. Aby kupi\u0107 mieszkanie w hipotece na korzystnych warunkach, mo\u017cesz skontaktowa\u0107 si\u0119 z firm\u0105 <a href=\"https:\/\/alegria-realestate.com\/ru\/contacts\">&quot;Alegria&quot;<\/a> . Nasi eksperci odpowiedz\u0105 na wszystkie Twoje pytania i pomog\u0105 szybko i \u0142atwo uzyska\u0107 kredyt hipoteczny. Z nasz\u0105 ofert\u0105 nieruchomo\u015bci na Costa Blanca, w tym nowych budynk\u00f3w, znajdziesz <a href=\"https:\/\/alegria-realestate.com\/ru\/sale\">tutaj<\/a> .<\/p>","protected":false},"excerpt":{"rendered":"<p>Kredyt hipoteczny w Hiszpanii to bardzo popularny spos\u00f3b na\u2026<\/p>\n","protected":false},"author":2,"featured_media":73192,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[957,15],"tags":[],"class_list":["post-73191","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mortgage-in-spain","category-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>(RU) \u0418\u043f\u043e\u0442\u0435\u043a\u0430 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438: \u043d\u043e\u0432\u044b\u0439 \u0437\u0430\u043a\u043e\u043d, 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