El Congreso acuerda elevar a 12 los meses de impago exigidos para activar un desahucio

El Congreso ha acordado elevar los meses de impago que se requieren para que una entidad financiera pueda ejecutar un contrato de hipoteca (paso previo a un posible desahucio): si el impago se produce en la primera mitad del préstamo, serán 12 meses, y si es en la segunda mitad del crédito se exigirán 15 meses de deuda.

Así lo han decidido los grupos que debaten la nueva ley hipotecaria, que actualmente se encuentra tramitando en la Cámara Baja en fase de ponencia. El acuerdo se ha adoptado con el respaldo de la mayoría de grupos, y únicamente Unidos Podemos ha optado por mantener ‘viva’ su propuesta, de establecer este límite en el 10% del capital concedido.

El proyecto de ley que remitió el entonces ministro de Economía Luis de Guindos en noviembre de 2017 diferenciaba el vencimiento anticipado de un contrato en función de si el impago de las cuotas se producía en la primera o en la segunda mitad de la duración de un préstamo.

Si las cuotas vencidas y no satisfechas se producían en la primera se fijaba que, para ejecutar un contrato, debían suponer el 2% del capital concedido o el equivalente a 9 meses de impago. El acuerdo del Congreso fija estos límites en el 3% y 12 meses de impago.

Si esta situación tenía lugar en la segunda mitad de la duración del préstamo, las cuotas vencidas y no satisfechas debían equivaler a 12 meses. La nueva ley establecerá que el impago tendrá que suponer el 7% o 15 meses.

Se rebajan los intereses de demora

Por otro lado, los grupos han acordado rebajar los intereses de demora planteados en la ley hipotecaria, ya que si en el proyecto se fijaban en el triple del interés legal del dinero, ahora se quedan en el interés remuneratorio más tres puntos.

Otros de los acuerdos, según han informado fuentes socialistas, pasan por establecer el carácter permanente del código de buenas prácticas ya vigente y la eliminación expresa de las cláusulas suelo en una hipoteca.

No se han cerrado cambios referidos a un posible código sancionador, como proponía Unidos Podemos, ni a las titulizaciones. En estos cambios de titularidad, el grupo confederal reclamaba que se llevaran al Registro, asumiendo este gasto, para que los consumidores pudieran conocer quién había asumido su hipoteca y por qué coste.

Durante la ponencia de este martes, los grupos han avanzado hasta prácticamente completar todo el articulado de la ley, si bien esperan celebrar una nueva reunión de ponencia, prevista para el 23 de noviembre.

Si fuera la última reunión, los grupos votarían las enmiendas que quedaran ‘vivas’ en comisión el 4 de diciembre y votarían la remisión al Senado del texto acordado en el primer Pleno de ese mes. Para la Cámara Alta, el Gobierno ha solicitado la tramitación de la norma por vía de urgencia, lo que acorta a la mitad los plazos establecidos.

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