La figura de l’avalista est\u00e0 permesa per la llei tant com per a sol\u00b7licitar una hipoteca com per als contractes de lloguer. De fet, a causa de l’augment de l’impagament en els lloguers ocasionat per la pand\u00e8mia del Covid-19 molts propietaris v\u00e9nen sol\u00b7licitant un avalista per a signar el contracte d’arrendament.<\/p>\n
L’avalista \u00e9s una persona f\u00edsica o jur\u00eddica que serveix de fiador, \u00e9s a dir, garanteix el pagament de les obligacions econ\u00f2miques contretes per l’avalat, en el cas d’un contracte de lloguer es compromet a garantir el pagament de les quotes de l’arrendament.<\/p>\n
En els \u00faltims anys s’ha generat una bombolla de lloguer que ha impulsat el preu de les fiances, per la qual cosa hi ha una tend\u00e8ncia a exigir dos o tres mesos de fian\u00e7a, aix\u00ed com un aval com a garantia extra, l’obligaci\u00f3 de la qual es mant\u00e9 mentre existeixi deute de lloguer amb l’arrendador. L’avalista en signar el contracte de lloguer assumeix les seg\u00fcents responsabilitats:<\/p>\n
Fer-se c\u00e0rrec del deute en cas que l’inquil\u00ed avalat no pugui liquidar-la.
\nCobrir els costos pendents que l’arrendatari no compleixi i estiguin establerts en el contracte de lloguer
\nRespondre com a deutor principal, \u00e9s a dir, que ha d’assumir el pagament del deute amb els seus b\u00e9ns actuals i futurs.
\nEn el cas d’una hipoteca l’aval es compromet a cobrir totes les despeses que l’avalat no pugui cobrir. La figura de l’aval al moment d’adquirir un habitatge \u00e9s bastant com\u00fa, especialment quan no es disposa dels fons necessaris per a comprar-la. Moltes persones acudeixen als seus pares, familiars pr\u00f2xims o amics perqu\u00e8 signin la hipoteca com a avalistes<\/p>\n
L’avalista es compromet a cobrir totes les despeses derivades de la hipoteca que l’avalat no pugui cobrir, aquestes despeses hauran d’estar estipulats en el contracte signat entre les parts. A m\u00e9s cal considerar que la responsabilitat es transfereix als descendents de l’avalista.<\/p>\n
Tanmateix, \u00e9s possible limitar la responsabilitat d’impagament, per a aix\u00f2 han d’estipular-se en el contracte les quantitats, interessos i comissions m\u00ednimes que ha de cobrir l’avalista i, que una vegada pagades queda exempt l’avalista de qualsevol responsabilitat.<\/p>\n","protected":false},"excerpt":{"rendered":"
La figura de l’avalista est\u00e0 permesa per la llei tant com per a sol\u00b7licitar una hipoteca com per als contractes de lloguer. De fet, a causa de l’augment de l’impagament en els lloguers ocasionat per la pand\u00e8mia del Covid-19 molts propietaris v\u00e9nen sol\u00b7licitant un avalista per a signar el contracte d’arrendament. L’avalista \u00e9s una persona […]<\/p>\n","protected":false},"author":1,"featured_media":392,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[11],"tags":[],"class_list":["post-396","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sense-categoria"],"yoast_head":"\n