{"id":12367,"date":"2022-12-07T01:36:10","date_gmt":"2022-12-06T23:36:10","guid":{"rendered":"https:\/\/www.elcol-legi.org\/w\/?p=12367"},"modified":"2022-12-07T02:40:39","modified_gmt":"2022-12-07T00:40:39","slug":"banca-prohibicio","status":"publish","type":"post","link":"https:\/\/www.elcol-legi.org\/w\/banca-prohibicio\/","title":{"rendered":"La banca no podr\u00e0 vincular els canvis en la hipoteca amb la contractaci\u00f3 d’una asseguran\u00e7a"},"content":{"rendered":"

[vc_row][vc_column width=”3\/4″][stm_spacing lg_spacing=”6″ md_spacing=”6″ sm_spacing=”6″ xs_spacing=”6″][vc_column_text]Els Col\u00b7legis de Mediadors estan satisfets amb aquesta mesura que consideren \u201cun pas m\u00e9s per a acabar amb una mesura que portem anys denunciant\u201d<\/em>[\/vc_column_text][vc_single_image source=”featured_image” img_size=”850×350″][vc_column_text css=”.vc_custom_1670373531005{margin-bottom: 20px !important;}”]Els Col\u00b7legis de Mediadors han acollit “amb satisfacci\u00f3” la prohibici\u00f3 expressa de vincular la contractaci\u00f3 d’assegurances al canvi de condicions en hipoteques recollida en el Pla de Rescat Hipotecari, recentment aprovat pel Consell de Ministres.<\/p>\n

Per al Consejo General<\/em>, “\u00e9s un pas m\u00e9s per a acabar amb una pr\u00e0ctica il\u00b7legal que portem anys denunciant. La const\u00e0ncia i fermesa dels mediadors a assenyalar aquesta situaci\u00f3 s’ha tradu\u00eft, en els \u00faltims 18 mesos, en accions clares per part del Banc d’Espanya, el supervisor d\u2019assegurances europeu -EIOPA-, tribunals de Just\u00edcia, Defensor del Poble i, ara, el Ministeri d’Economia. Des dels Col\u00b7legis s’espera que totes les entitats banc\u00e0ries s’adhereixin al Pla”.<\/p>\n

El Pla de Rescat Hipotecari que el Govern ha posat en marxa pret\u00e9n alleujar la c\u00e0rrega financera dels qui han signat una hipoteca a tipus variable en els \u00faltims anys.\u00a0 Segons es recull en el text del Ministeri d’Economia, els bancs hauran d’informar els clients de les conseq\u00fc\u00e8ncies jur\u00eddiques i econ\u00f2miques de les diferents alternatives de novaci\u00f3 que els ofereixen, aix\u00ed com de les condicions de la pr\u00f2rroga de l’asseguran\u00e7a de protecci\u00f3 de pagaments si n’hi hagu\u00e9s.<\/p>\n

En cap cas la modificaci\u00f3 de condicions comportar\u00e0 el cobrament de despeses o comissions, excepte la prima del contracte d’asseguran\u00e7a, ni podr\u00e0 comercialitzar-se al costat d’un producte vinculat o combinat, com les assegurances, segons recull la norma aprovada pel Consell de Ministres.<\/p>\n

Des de fa dos anys els Col\u00b7legis de Mediadors han redoblat les seves reunions amb reguladors, administracions i grups parlamentaris per a aconseguir que es respecti la llibertat dels clients i la compet\u00e8ncia, enfront de l’aprofitament de la banca de la seva posici\u00f3 dominant en el moment de sol\u00b7licitar un cr\u00e8dit al consum o una hipoteca.<\/p>\n

La situaci\u00f3 actual, segons assenyala el Consejo General<\/em>, fa que els bancs incompleixin impunement tres lleis: Distribuci\u00f3 d’assegurances, Defensa de la Compet\u00e8ncia i la llei General de Consumidors i Usuaris, fent creure al client que est\u00e0 obligat a contractar l’asseguran\u00e7a amb la banca.<\/p>\n

[\/vc_column_text][vc_row_inner][vc_column_inner width=”1\/6″][vc_tweetmeme][\/vc_column_inner][vc_column_inner width=”1\/6″][vc_facebook][\/vc_column_inner][vc_column_inner width=”1\/6″][\/vc_column_inner][vc_column_inner width=”1\/6″][\/vc_column_inner][vc_column_inner width=”1\/6″][\/vc_column_inner][vc_column_inner width=”1\/6″][\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column width=”1\/4″][stm_spacing lg_spacing=”50″ md_spacing=”50″ sm_spacing=”50″ xs_spacing=”50″][vc_column_text]<\/p>\n

\u00daltimes not\u00edcies<\/h2>\n

[\/vc_column_text][stm_news loop=”size:4|order_by:date|order:DESC|post_type:post|categories:8″ posts_per_row=”2″][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

[vc_row][vc_column width=”3\/4″][stm_spacing lg_spacing=”6″ md_spacing=”6″ sm_spacing=”6″ xs_spacing=”6″][vc_column_text]Els Col\u00b7legis de Mediadors estan satisfets amb aquesta mesura que consideren \u201cun pas m\u00e9s per a acabar amb una mesura que portem anys denunciant\u201d[\/vc_column_text][vc_single_image source=”featured_image” img_size=”850×350″][vc_column_text css=”.vc_custom_1670373531005{margin-bottom: 20px !important;}”]Els Col\u00b7legis de Mediadors han acollit “amb satisfacci\u00f3” la prohibici\u00f3 expressa de vincular la contractaci\u00f3 d’assegurances al canvi de condicions en hipoteques<\/p>\n","protected":false},"author":562,"featured_media":12368,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[267,160,1339,1341],"class_list":["post-12367","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticies","tag-banca","tag-mediarionews","tag-mn161","tag-prohibicion"],"yoast_head":"\nLa banca no podr\u00e0 vincular els canvis en la hipoteca amb la contractaci\u00f3 d'una asseguran\u00e7a - Col-legi de Mediadors d'Assegurances de Barcelona<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.elcol-legi.org\/w\/banca-prohibicio\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"La banca no podr\u00e0 vincular els canvis en la hipoteca amb la contractaci\u00f3 d'una asseguran\u00e7a - Col-legi de Mediadors d'Assegurances de Barcelona\" \/>\n<meta property=\"og:description\" content=\"[vc_row][vc_column width=”3\/4″][stm_spacing lg_spacing=”6″ md_spacing=”6″ sm_spacing=”6″ xs_spacing=”6″][vc_column_text]Els Col\u00b7legis de Mediadors estan satisfets amb aquesta mesura que consideren \u201cun pas m\u00e9s per a acabar amb una mesura que portem anys denunciant\u201d[\/vc_column_text][vc_single_image source=”featured_image” img_size=”850×350″][vc_column_text css=”.vc_custom_1670373531005{margin-bottom: 20px !important;}”]Els Col\u00b7legis de Mediadors han acollit “amb satisfacci\u00f3” la prohibici\u00f3 expressa de vincular la contractaci\u00f3 d’assegurances al canvi de condicions en hipoteques\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.elcol-legi.org\/w\/banca-prohibicio\/\" \/>\n<meta property=\"og:site_name\" content=\"Col-legi de Mediadors d'Assegurances de Barcelona\" \/>\n<meta property=\"article:published_time\" content=\"2022-12-06T23:36:10+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-12-07T00:40:39+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.elcol-legi.org\/w\/wp-content\/uploads\/2022\/12\/F03_Banca.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"810\" \/>\n\t<meta property=\"og:image:height\" content=\"456\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Marc Alcaraz\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrit per\" \/>\n\t<meta name=\"twitter:data1\" content=\"Marc Alcaraz\" \/>\n\t<meta name=\"twitter:label2\" content=\"Temps estimat de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minuts\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/banca-prohibicio\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/banca-prohibicio\\\/\"},\"author\":{\"name\":\"Marc Alcaraz\",\"@id\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/#\\\/schema\\\/person\\\/4283d40fbd72a940d5fff484fe5ec410\"},\"headline\":\"La banca no podr\u00e0 vincular els canvis en la hipoteca amb la contractaci\u00f3 d’una asseguran\u00e7a\",\"datePublished\":\"2022-12-06T23:36:10+00:00\",\"dateModified\":\"2022-12-07T00:40:39+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/banca-prohibicio\\\/\"},\"wordCount\":545,\"image\":{\"@id\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/banca-prohibicio\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/wp-content\\\/uploads\\\/2022\\\/12\\\/F03_Banca.jpg\",\"keywords\":[\"banca\",\"MediarioNews\",\"MN161\",\"prohibicion\"],\"articleSection\":[\"Not\u00edcies\"],\"inLanguage\":\"ca\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/banca-prohibicio\\\/\",\"url\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/banca-prohibicio\\\/\",\"name\":\"La banca no podr\u00e0 vincular els canvis en la hipoteca amb la contractaci\u00f3 d'una asseguran\u00e7a - 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