Consolidamento Ipoteche per Tutelare i Fallimenti

Categorie: Mutui

Il consolidamento delle ipoteche ha a che vedere con la necessitAi??, per un istituto di credito, di tutelarsi rispetto allai??i??eventuale fallimento dei propri clienti. In realtAi??, le banche hanno diverse e numerose strategie per accertarsi di rientrare dei capitali prestati ai propri clienti, ma hanno molta difficoltAi?? a tutelarsi adeguatamente nel caso in cui si trovino impelagate nel fallimento di un utente. Purtroppo, le procedure fallimentari sono piuttosto complicate, lunghe e possono includere la revocatoria fallimentare, attraverso la quale il curatore fallimentare chiede immobili e pagamenti anche giAi?? avvenuti. Si capisce perchAi?? le banche temono il verificarsi di questa circostanza e cercano di ovviare a tale situazione in diversi modi. Il consolidamento di unai??i??ipoteca A? rappresentato dal tempo (di solito 11 giorni) che inizia dal momento in cui avviene la trascrizione da parte del notaio. In pratica la banca, per evitare che si possa verificare il rischio di una revocatoria fallimentare, non erogherAi?? lai??i??importo se non una volta in cui lai??i??ipoteca sia consolidata. Ecco, quindi, che il venditore non potrAi?? ricevere alcun importo prima che sia trascorso questo lasso di tempo


Infatti, come abbiamo avuto modo di vedere, il fallimento avrebbe la meglio anche su di unai??i??ipoteca trascritta da poco, mentre il testo unico bancario specifica che nessuna ipoteca puA? essere piA? oggetto di revoca, una volta trascorsi dieci giorni dallai??i??iscrizione della stessa (art.39).

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