{"id":2648,"date":"2019-02-27T10:00:25","date_gmt":"2019-02-27T09:00:25","guid":{"rendered":"https:\/\/www.alting.com\/tramits-per-cancellar-hipoteca\/"},"modified":"2026-01-23T14:03:24","modified_gmt":"2026-01-23T13:03:24","slug":"tramits-per-cancellar-hipoteca","status":"publish","type":"post","link":"https:\/\/www.alting.com\/ca\/tramits-per-cancellar-hipoteca\/","title":{"rendered":"Quins s\u00f3n els tr\u00e0mits per cancel\u00b7lar una hipoteca?"},"content":{"rendered":"<p>Barcelona, 27 de febrer del 2019.- Per tramitar la <strong>cancel\u00b7laci\u00f3 de la hipoteca<\/strong>, segons la llei hipotec\u00e0ria a Espanya, un cop saldat el deute amb el banc, <strong>amb el pagament de l&#8217;\u00faltima quota, aquesta no queda cancel\u00b7lada<\/strong>. El pr\u00e9stec segueix existint en el registre de la propietat durant els seg\u00fcents 20 anys, quan es cancel\u00b7laria autom\u00e0ticament, llevat que ho faci activament el propietari.<\/p>\n<p>Encara que cancel\u00b7lar la hipoteca no \u00e9s obligatori pot provocar petites mol\u00e8sties en el futur. Per exemple, si volgu\u00e9ssim vendre l&#8217;habitatge en el moment de l&#8217;escriptura hauria d&#8217;estar cancel\u00b7lada, en cas contrari no estaria lliure de c\u00e0rregues i aix\u00f2 podria suposar un important retard.<\/p>\n<h3>Quins passos s\u2019han de seguir per cancel\u00b7lar totalment una hipoteca?<\/h3>\n<ol>\n<li>Sol\u00b7licitar al banc el <strong>Certificat de deute zero<\/strong>: document gratu\u00eft que acredita que s&#8217;ha acabat de pagar la hipoteca.<\/li>\n<li>Lliurar el certificat de deute zero a la notaria per signar l&#8217;<strong>escriptura p\u00fablica de cancel\u00b7laci\u00f3 del pr\u00e9stec<\/strong>. Les despeses de gestoria o notari dependran de l&#8217;import inicial del pr\u00e9stec.<\/li>\n<li>Sol\u00b7licitar i emplenar el <strong>document d&#8217;Actes Jur\u00eddics Documentats<\/strong> (IAJD) en una delegaci\u00f3 d&#8217;Hisenda de la nostra comunitat aut\u00f2noma. Es tracta d&#8217;un pas obligatori que est\u00e0 exempt de pagament.<\/li>\n<li>Acudir al <strong>Registre de la Propietat<\/strong> per fer efectiva la cancel\u00b7laci\u00f3 amb la c\u00f2pia de l&#8217;impost, el certificat de deute zero i l&#8217;escriptura. Amb aquest \u00faltim pas inscriurem la cancel\u00b7laci\u00f3 de la hipoteca en el Registre i deixar\u00e0 d&#8217;existir cap c\u00e0rrega sobre la propietat registral. Els aranzels registrals dependran del valor de la hipoteca.<\/li>\n<\/ol>\n","protected":false},"excerpt":{"rendered":"<p>Barcelona, 27 de febrer del 2019.- Per tramitar la cancel\u00b7laci\u00f3 de la hipoteca, segons la llei hipotec\u00e0ria a Espanya, un [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":438,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[301],"tags":[372],"class_list":["post-2648","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualitat-ca","tag-habitatges-ca"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.3.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Alting | Actualidad<\/title>\n<meta name=\"description\" content=\"Tr\u00e0mits per cancel\u00b7lar la hipoteca, segons la llei hipotec\u00e0ria a Espanya. 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