La Garanzia richiesta con l’ ipoteca

Categorie: Mutui

Per stipulare un mutuo ci vengono richieste delle precise garanzie da parte della banca o della finanziaria alla quale ci siamo rivolti: tra queste, una molto importante A? lai??i??ipoteca. Lai??i??ipoteca si compone di alcuni elementi peculiari, che sono: il cosiddetto ai???titoloai???, ovvero il contratto di finanziamento; lai??i??iscrizione, il bene immobile che si possiede; la somma che necessita delle garanzie.

Iscrivendo un’ipoteca su di un bene si garantisce il soggetto che presta i soldi richiesti contro il rischio dai??i??insolvibilitAi?? del cliente
. In pratica, il mutuante acquisisce dei diritti sullai??i??immobile, nel caso in cui le rate non fossero piA? ripagate regolarmente. Su di un apposito registro pubblico viene iscritto, questo il termine tecnico, lai??i??oggetto dellai??i??ipoteca, che nel caso di un mutuo A? unai??i??abitazione ovviamente, che resta, perA?, nel pieno diritto di godimento del legittimo proprietario.



Tutte le ipoteche sono indivisibili, il che vuol dire che sono applicate allai??i??intero bene, completo di tutte le pertinenze, non importa se per un valore maggiore o minore del prestito richiesto.

In questo modo, il soggetto creditore potrAi?? rivalersi in diversi modi sul soggetto debitore, qualora questai??i??ultimo fosse inadempiente. Potrebbe espropriare lai??i??immobile oppure pretendere il ripianamento del debito qualora lai??i??immobile venisse venduto.

Lai??i??ipoteca deve sempre essere iscritta prima che ci sia lai??i??erogazione della somma richiesta, che nel frattempo A? soggetta ad essere considerata in deposito cauzionale.

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