En el programa Material Sensible de Canal 4, medio de comunicación autonómico privado, he participado en una tertulia-debate sobre los préstamos hipotecarios y los créditos personales. Un programa en catalán que toca bastantes de los temas relevantes en materia hipotecaria, entre ellos:
La responsabilidad personal universal del titular hipotecario, que además de con el inmueble hipotecado, responde con todo su patrimonio presente y futuro.
El alto riesgo que asume una persona que avala un préstamo hipotecario, respondiendo con todo su patrimonio sin adquirir ningún derecho sobre el inmueble.
Las hipotecas 100% más gastos y su relativo mayor riesgo respecto a otro tipo de hipotecas en las que aportamos ahorros.
Las opciones que tiene un cliente que no puede pagar la hipoteca: asociaciones de consumidores como ASUFIN o ADICAE, el turno de oficio de abogados, entidades públicas como ayuntamientos o la Direcció General de Consum en las Illes Balears.
La conflictividad judicial en materia hipotecaria, con temas tan de actualidad como las demandas por cláusula suelo, las hipotecas multidivisa o los préstamos hipotecarios con IRPH (este día 22 de noviembre está previsto que el Tribunal Supremo se manifieste sobre la abusividad de este cuestionado tipo de referencia hipotecario).
Por otro lado, si la semana que viene estáis por Mallorca, os invito al siguiente foro hipotecario organizado por ADICAE en el que participo el 23 de noviembre en Can Campaner. Programa:
https://futurfinances.com/wp-content/uploads/2012/03/Logo_Futur_Finances_200.png00Pau A. Monserrathttps://futurfinances.com/wp-content/uploads/2012/03/Logo_Futur_Finances_200.pngPau A. Monserrat2017-11-18 09:16:002021-04-29 19:01:26Hipotecas y créditos: Material Sensible
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