Les hipoteques s\u00f3n tr\u00e0mits que han de ser presos amb la serietat que requereix, despr\u00e9s de tot quan sol\u00b7licites una estar\u00e0s col\u00b7locant com a garantia un b\u00e9 molt important per a tu. Per aix\u00f2 abans de fer la sol\u00b7licitud d’una hipoteca \u00e9s necessari que comprenguis a cabalidad tot respecte a aquest procediment, comen\u00e7ant pels documents claus en una hipoteca que el banc et sol\u00b7licitar\u00e0.<\/p>\n
Per a concretar la sol\u00b7licitud d’una hipoteca necessites presentar 10 documents claus que amb obligatorietat haur\u00e0s de portar al banc, aquests s\u00f3n:<\/p>\n
1. NIF o n\u00famero d’identificaci\u00f3 fiscal de qui sol\u00b7licita la hipoteca. 2. Contracte d’arres, aquest no \u00e9s m\u00e9s que el contracte que signar\u00e0s amb el venedor de l’immoble per a garantir la reserva d’aquest. 3. Centre d’Informaci\u00f3 de Riscos del Banc d’Espanya o CIRBE, tamb\u00e9 ser\u00e0 requerit, en aquesta base de dades es troba la informaci\u00f3 de dades sobre els pr\u00e9stecs, avals, cr\u00e8dits, que les entitats financeres assumeixen amb cada client.<\/p>\n
2. Declaraci\u00f3 de la renda de l’\u00faltim any, aix\u00f2 serveix com a refer\u00e8ncia del teu estat financer.<\/p>\n
3. Escriptures de qualsevol altre immoble que puguis tenir.<\/p>\n
4. Nota simple del registre de societat, per a facilitar la contrastaci\u00f3 de les dades per part del banc.<\/p>\n
5. Rebut de les dues \u00faltimes n\u00f2mines, perqu\u00e8 el banc pugui con\u00e8ixer detalladament els teus \u00faltims ingressos.<\/p>\n
6. Contracte d’arrendament en cas que vives en lloguer i els \u00faltims rebuts de pagament de l’arrendament.<\/p>\n
7. Informe de vida laboral actualitzat, en aquest es detalla la teva carrera tant des del punt de vista professional com financer.<\/p>\n
8. Extractes bancaris recents, que permetran donar m\u00e9s detalls del teu estat financer en l’actualitat.<\/p>\n
Tenint en compte aquests 10 documents pots organitzar-te amb anticipaci\u00f3 per a tenir m\u00e9s possibilitats d’obtenir els resultats que desitges en tramitar una hipoteca.<\/p>\n","protected":false},"excerpt":{"rendered":"
Les hipoteques s\u00f3n tr\u00e0mits que han de ser presos amb la serietat que requereix, despr\u00e9s de tot quan sol\u00b7licites una estar\u00e0s col\u00b7locant com a garantia un b\u00e9 molt important per a tu. Per aix\u00f2 abans de fer la sol\u00b7licitud d’una hipoteca \u00e9s necessari que comprenguis a cabalidad tot respecte a aquest procediment, comen\u00e7ant pels documents […]<\/p>\n","protected":false},"author":1,"featured_media":470,"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-474","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sense-categoria"],"yoast_head":"\n