{"id":498,"date":"2022-08-02T16:26:00","date_gmt":"2022-08-02T15:26:00","guid":{"rendered":"http:\/\/info.vivendex.com\/retail?p=498"},"modified":"2023-02-28T17:01:43","modified_gmt":"2023-02-28T16:01:43","slug":"ca-es-retail-com-solicitar-hipoteca-local-comercial","status":"publish","type":"post","link":"https:\/\/info.vivendex.com\/retail\/ca\/ca-es-retail-com-solicitar-hipoteca-local-comercial\/","title":{"rendered":"Com sol\u00b7licitar la hipoteca per a un local comercial"},"content":{"rendered":"<p>Si est\u00e0s interessat a adquirir un local comercial, pot haver-te sorgit algun dubte sobre com sol\u00b7licitar la seva hipoteca. En aquest article, et mostrarem les seves difer\u00e8ncies en comparaci\u00f3 a les hipoteques per a habitatges i resoldrem tots els dubtes que puguin sorgir-te sobre aquest tema.<!--more--><\/p>\n<p>Les hipoteques no s\u00f3n un tr\u00e0mit \u00fanicament reservat als habitatges. Pel que, com segurament b\u00e9 sabies, els locals comercials tampoc queden exempts d&#8217;elles. S\u00f3n molts inversors els que actualment demanden pr\u00e9stecs per a finan\u00e7ar l&#8217;adquisici\u00f3 d&#8217;un local comercial i, en cas que puguis trobar-te en una situaci\u00f3 similar, intentarem resoldre algunes dels dubtes m\u00e9s comuns en el moment d&#8217;embarcar-te en aquesta mena de tr\u00e0mit.<\/p>\n<p>* A\u00a0Vivendex\u00a0posem a la teva disposici\u00f3 <a href=\"https:\/\/info.vivendex.com\/es-es-simulador-hipoteca\/\" rel=\"noopener\">una\u00a0calculadora de la hipoteca<\/a> t&#8217;ajudar\u00e0\u00a0a calcular la quota mensual a la qual haur\u00e0s d&#8217;enfrontar-te.<\/p>\n<h6><a href=\"https:\/\/info.vivendex.com\/es-es-simulador-hipoteca\/\">Calculadora de la hipoteca<\/a><\/h6>\n<h2><strong>Difer\u00e8ncies entre la hipoteca d&#8217;un local i d&#8217;un habitatge<\/strong><\/h2>\n<p>En el moment de comprar un local comercial, \u00e9s important tenir clares les condicions del contracte per a obtenir els acords m\u00e9s beneficiosos. Per a aix\u00f2, cal tenir en compte que presenten caracter\u00edstiques diferents a les dels pr\u00e9stecs hipotecaris per a habitatges:<\/p>\n<ul>\n<li><strong>El termini d&#8217;amortitzaci\u00f3 de la hipoteca d&#8217;un local comercial \u00e9s m\u00e9s curt:<\/strong> De mitjana, les hipoteques per a habitatges solen pagar-se entre els 25 i 30 anys. En cas dels locals comercials, haurien d&#8217;amortitzar-se <strong>en un termini de 15 o 20 anys.<\/strong> Tenint en compte que, l&#8217;import a pagar sol ser tamb\u00e9 major, les entitats banc\u00e0ries perceben aquest tipus de pr\u00e9stecs com un risc.<br \/>\n<span style=\"font-weight: normal;\"><br \/>\nAix\u00ed mateix, les entitats banc\u00e0ries estableixen requisits m\u00e9s exigents per a <strong>evitar risc d&#8217;impagament<\/strong> per part del titular.<\/span><\/li>\n<li><strong>Menor finan\u00e7ament per part dels bancs:<\/strong> Entre aquests requisits m\u00e9s exigents, el finan\u00e7ament de les hipoteques per a locals <strong>es redueix fins al 60%<\/strong>, en un cas favorable. Una baixada considerable en comparaci\u00f3 al 80% de finan\u00e7ament en cas de les hipoteques per a habitatges.<strong><br \/>\n<\/strong><\/li>\n<li><span style=\"font-weight: bold;\">Despeses d&#8217;hipoteca:<\/span> Si sol\u00b7licitar\u00e0s un cr\u00e8dit hipotecari per a un local comercial, haur\u00e0s de tenir en compte que haur\u00e0s d&#8217;assumir els costos, aix\u00ed com alguns impostos marcats per la legislaci\u00f3 a Espanya. En funci\u00f3 de determinades caracter\u00edstiques que pugui presentar el local, com per exemple, la seva localitzaci\u00f3, el tipus de transmissi\u00f3 o l&#8217;\u00fas que se li vagi a donar, haur\u00e0s d&#8217;abonar uns grav\u00e0mens o altres. En cas de voler comprar un local, haur\u00e0s de posar especial <a href=\"https:\/\/info.vivendex.com\/retail\/es-retail-impuestos-en-la-compra-de-un-local-iva-o-itp\/\" rel=\"noopener\">atenci\u00f3 a l&#8217;IVA\/<\/a><span style=\"font-size: 15px;\"><a style=\"background-color: transparent;\" href=\"https:\/\/info.vivendex.com\/retail\/es-retail-impuestos-en-la-compra-de-un-local-iva-o-itp\/\" rel=\"noopener\">ITP.<\/a>\n<\/span>Tot i que <a href=\"https:\/\/www.boe.es\/buscar\/doc.php?id=BOE-A-2019-3814\" rel=\"noopener\">la Llei Hipotec\u00e0ria de 2019<\/a> indiqu\u00e8s que el banc es faria c\u00e0rrec de la major part de les despeses de l&#8217;hipot\u00e8ca, era un punt que es reservava a les hipoteques destinades a habitatges.<\/li>\n<\/ul>\n<ul>\n<li><strong>Interessos hipotecaris m\u00e9s alts:<\/strong> Un altre factor diferencial entre les hipoteques per a locals i per a habitatge d&#8217;\u00fas dom\u00e8stic \u00e9s que, les primeres, presenten un tipus d&#8217;inter\u00e8s m\u00e9s elevat que el que podrien presentar les hipoteques convencionals.<\/li>\n<\/ul>\n<p><strong style=\"color: #006a8e; font-size: 1.384em; font-style: inherit; font-variant-ligatures: inherit; font-variant-caps: inherit; background-color: transparent;\">Requisits per a sol\u00b7licitar la hipoteca d&#8217;un local comercial<\/strong><\/p>\n<p style=\"font-weight: normal;\">Ara que coneixem les principals difer\u00e8ncies entre els dos tipus d&#8217;hipoteques, podem aprofundir en els requisits que es requereixen per a accedir a aquest cr\u00e8dit. Com els terminis d&#8217;amortitzaci\u00f3 s\u00f3n m\u00e9s curts, ser\u00e0 fonamental que el titular disposi dels estalvis suficients, aix\u00ed com <span style=\"font-weight: bold;\">un bon perfil econ\u00f2mic<\/span> que li permeti assumir la despesa.<\/p>\n<p>A conseq\u00fc\u00e8ncia d&#8217;aquest termini d&#8217;amortitzaci\u00f3, l&#8217;edat del sol\u00b7licitant tamb\u00e9 ser\u00e0 un element clau. En el cas de voler sol\u00b7licitar la hipoteca d&#8217;un local comercial, l&#8217;edat hauria d&#8217;estar compresa <span style=\"font-weight: bold;\">entre els 18 i 75 anys.<\/span><\/p>\n<h2><strong>Documentaci\u00f3 necess\u00e0ria per sol\u00b7licitar la hipoteca d&#8217;un local comercial<\/strong><\/h2>\n<p>Sabent les difer\u00e8ncies entre els dos tipus d&#8217;hipoteques i els requisits per a sol\u00b7licitar aquest tipus de pr\u00e9stecs, \u00e9s el moment de con\u00e8ixer <span style=\"font-weight: bold;\">la documentaci\u00f3<\/span> que se&#8217;t requerir\u00e0 en el moment de sol\u00b7licitar el pr\u00e9stec:<\/p>\n<p>NIF\/NIE.<br \/>\nRebuts d&#8217;altres pr\u00e9stecs.<br \/>\nLes tres darreres n\u00f2mines.<br \/>\nEscriptures o notes simples dels immobles en propietat i <a href=\"https:\/\/info.vivendex.com\/retail\/es-retail-factores-intervienen-valoracion-local\/\" rel=\"noopener\">el seu valor de mercat actual.<\/a><br \/>\nExtractes bancaris dels darrers mesos.<br \/>\n<a href=\"\/ca\/renda-2021-a-catalunya-deduccions-per-habitatge-habitual\" rel=\"noopener\">Declaraci\u00f3 de la Renda<\/a> de l&#8217;\u00faltim any.<br \/>\n<a href=\"https:\/\/info.vivendex.com\/retail\/es-retail-clausula-de-renuncia-en-los-contratos-de-arrendamiento-es-validad\/\" rel=\"noopener\">Contracte d&#8217;arrendament<\/a> en cas <a href=\"\/ca\/com-calcular-la-rendibilitat-dun-lloguer-amb-hipoteca\" rel=\"noopener\">de lloguer d&#8217;un habitatge.<\/a><\/p>\n<p>No obstant aix\u00f2, si ets aut\u00f2nom, haur\u00e0s d&#8217;afegir els seg\u00fcents a la llista:<\/p>\n<p>Pagaments trimestrals de l&#8217;IVA.<br \/>\nDeclaraci\u00f3 de l&#8217;IRPF anual.<br \/>\n\u00daltims rebuts de la Seguretat Social.<br \/>\nDeclaraci\u00f3 anual de l&#8217;IVA.<\/p>\n<p>* Tant si et trobes en un proc\u00e9s de compra d&#8217;un local comercial i t&#8217;agradaria calcular el pressupost que hauries de marcar-te, com si ja has seleccionat un local i vols saber quant et queda per abonar de manera mensual, a Vivendex Business &amp; Retail, et recomanem el nostre <a href=\"https:\/\/info.vivendex.com\/es-es-simulador-hipoteca\/\" rel=\"noopener\">Calculador d&#8217;hipoteca.<\/a> Una manera efica\u00e7 de con\u00e8ixer el preu de la hipoteca.<\/p>\n<h6><a href=\"https:\/\/info.vivendex.com\/es-es-simulador-hipoteca\/\">Calculadora de la hipoteca<\/a><\/h6>\n<p>&nbsp;<\/p>\n<p>No obstant aix\u00f2, sabem que el mercat immobiliari a Barcelona \u00e9s complex i est\u00e0 ple de factors que repercuteixen en una major o menor rendibilitat. Per a totes aquestes gestions, l&#8217;ideal \u00e9s comptar amb l&#8217;ajuda d&#8217;un dels nostres professionals a la zona. Et guiar\u00e0 i assessorar\u00e0 durant tot <a id=\"__hsNewLink\" href=\"https:\/\/landing.vivendex.com\/guia-de-venta-local-comercial\" rel=\"noopener\">el proc\u00e9s de compra o venda del teu local.\u00a0<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Si est\u00e0s interessat a adquirir un local comercial, pot haver-te sorgit algun dubte sobre com sol\u00b7licitar la seva hipoteca. En aquest article, et mostrarem les seves difer\u00e8ncies en comparaci\u00f3 a les hipoteques per a habitatges i resoldrem tots els dubtes que puguin sorgir-te sobre aquest tema.<\/p>\n","protected":false},"author":3,"featured_media":82,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[31,38],"tags":[40,42,49],"class_list":["post-498","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-retail","category-retail-ca","tag-comprar-local-comercial-ca","tag-impostos-de-locals","tag-invertir-en-locals"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Com sol\u00b7licitar la hipoteca per a un local comercial<\/title>\n<meta name=\"description\" content=\"Si est\u00e0s interessat a adquirir un local comercial, pot haver-te sorgit algun dubte sobre 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