{"id":855,"date":"2017-08-16T00:00:00","date_gmt":"2017-08-16T00:00:00","guid":{"rendered":"https:\/\/despatxmoragues.com\/fiador-solidari-prestecs-hipotecaris\/"},"modified":"2021-05-28T11:48:21","modified_gmt":"2021-05-28T11:48:21","slug":"fiador-solidari-prestecs-hipotecaris","status":"publish","type":"post","link":"https:\/\/despatxmoragues.com\/ca\/fiador-solidari-prestecs-hipotecaris\/","title":{"rendered":"El fiador solidari en els pr\u00e9stecs hipotecaris"},"content":{"rendered":"<h4>Quan es demana un pr\u00e9stec hipotecari al banc, aquest analitzar\u00e0 la seva solv\u00e8ncia i si considera que no \u00e9s suficient per garantir el retorn del pr\u00e9stec concedit, exigir\u00e0 la pres\u00e8ncia d&#8217;un fiador solidari, contra el qual i en el sup\u00f2sit d&#8217;impagament del pr\u00e9stec, el banc podr\u00e1 dirigir-se com si fos el deutor principal.<\/h4>\n<p>A la pr\u00e0ctica, doncs, el fiador solidari es situa en un pla d&#8217;igualtat juntament amb el deutor i juntament amb el prestatari a l&#8217;hora de respondre enfront al banc, ja que aquest es podr\u00e0 dirigir a la vegada tant contra el deutor principal com contra el fiador solidari.<\/p>\n<p>Ara b\u00e9, hem d&#8217;advertir que en defecte de pacte, la fian\u00e7a no ser\u00e1 solid\u00e0ria, sin\u00f3 mancomunada, que sempre \u00e9s m\u00e9s benefici\u00f3s pel fiador, ja que aquest tindr\u00e0 els beneficis d&#8217;exclussi\u00f3, divissi\u00f3 i ordre, que suposa que el banc abans d&#8217;anar contra el fiador ha d&#8217;anar contra el patrimoni del deutor principal i si hi hagu\u00e9s dos fiadors solidaris implicar\u00eda la divisi\u00f3 de la fian\u00e7a.<\/p>\n<p>Per aquest motiu, els bancs sempre pacten expressament que la fian\u00e7a sigui solid\u00e0ria, ja que llavors el fiador perd els seus beneficis d&#8217;exclussi\u00f3, divisi\u00f3 i ordre. No obstant, s&#8217;han publicat recents sent\u00e8ncies que considen que aquest pacte es pot considerar abusiu si el banc no ha explicat al fiador quines s\u00f3n les conseq\u00fc\u00e8ncies de constituir-se de forma solid\u00e0ria respecte la responsabilitat en el deute.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Quan es demana un pr\u00e9stec hipotecari al banc, aquest analitzar\u00e0 la seva solv\u00e8ncia i si considera que no \u00e9s suficient per garantir el retorn del pr\u00e9stec concedit, exigir\u00e0 la pres\u00e8ncia d&#8217;un fiador solidari, contra el qual i en el sup\u00f2sit d&#8217;impagament del pr\u00e9stec, el banc podr\u00e1 dirigir-se com si fos el deutor principal. A la [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":3394,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[2],"tags":[122,164,158],"class_list":["post-855","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-temes-dinteres-juridic","tag-banc","tag-fiador-solidari","tag-prestec-hipotecari"],"_links":{"self":[{"href":"https:\/\/despatxmoragues.com\/ca\/wp-json\/wp\/v2\/posts\/855","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/despatxmoragues.com\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/despatxmoragues.com\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/despatxmoragues.com\/ca\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/despatxmoragues.com\/ca\/wp-json\/wp\/v2\/comments?post=855"}],"version-history":[{"count":2,"href":"https:\/\/despatxmoragues.com\/ca\/wp-json\/wp\/v2\/posts\/855\/revisions"}],"predecessor-version":[{"id":3396,"href":"https:\/\/despatxmoragues.com\/ca\/wp-json\/wp\/v2\/posts\/855\/revisions\/3396"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/despatxmoragues.com\/ca\/wp-json\/wp\/v2\/media\/3394"}],"wp:attachment":[{"href":"https:\/\/despatxmoragues.com\/ca\/wp-json\/wp\/v2\/media?parent=855"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/despatxmoragues.com\/ca\/wp-json\/wp\/v2\/categories?post=855"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/despatxmoragues.com\/ca\/wp-json\/wp\/v2\/tags?post=855"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}