{"id":346313,"date":"2026-01-29T10:29:06","date_gmt":"2026-01-29T08:29:06","guid":{"rendered":"https:\/\/www.espigul.com\/?p=346313"},"modified":"2026-01-29T10:29:08","modified_gmt":"2026-01-29T08:29:08","slug":"obligatori-cancellament-hipoteca","status":"publish","type":"post","link":"https:\/\/www.espigul.com\/ca\/obligatori-cancellament-hipoteca\/","title":{"rendered":"\u00bf\u00c9s obligatori el cancel\u00b7lament d\u2019hipoteca un cop pagada?"},"content":{"rendered":"\n<p>Quan acabes de pagar la hipoteca, \u00e9s habitual pensar que el proc\u00e9s ja est\u00e0 complet. Per\u00f2, a nivell legal, el fet d\u2019haver liquidat el pr\u00e9stec no sempre implica que l\u2019habitatge quedi lliure de c\u00e0rregues al Registre de la Propietat. Aqu\u00ed \u00e9s on entra en joc el <strong>cancel\u00b7lament d\u2019hipoteca<\/strong>, un tr\u00e0mit que genera molts dubtes entre propietaris.<\/p>\n\n\n\n<p>En aquest article t\u2019expliquem <strong>si \u00e9s obligatori fer el cancel\u00b7lament d\u2019hipoteca<\/strong>, quan conv\u00e9 fer-lo, quines opcions existeixen \u2014inclosa la <strong>cancel\u00b7laci\u00f3 d\u2019hipoteca per caducitat<\/strong>\u2014 i <strong>quant costa el cancel\u00b7lament d\u2019hipoteca <\/strong>perqu\u00e8 puguis prendre la millor decisi\u00f3 segons la teva situaci\u00f3.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Qu\u00e8 \u00e9s el cancel\u00b7lament d\u2019hipoteca?<\/h2>\n\n\n\n<p>El cancel\u00b7lament d\u2019hipoteca \u00e9s el tr\u00e0mit mitjan\u00e7ant el qual s\u2019elimina la c\u00e0rrega hipotec\u00e0ria del Registre de la Propietat. Tot i que ja hagis pagat totes les quotes al banc, si no es fa aquest pas, la hipoteca continuar\u00e0 apareixent registralment com a vigent.<\/p>\n\n\n\n<p>\u00c9s important entendre que hi ha una difer\u00e8ncia clara entre:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Hipoteca pagada<\/strong>: el deute amb el banc est\u00e0 completament saldat.<\/li>\n\n\n\n<li><strong>Hipoteca cancel\u00b7lada registralment<\/strong>: la c\u00e0rrega desapareix del Registre.<\/li>\n<\/ul>\n\n\n\n<p>Sense aquest segon pas, l\u2019habitatge continua figurant com a hipotecat.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00c9s obligatori fer el cancel\u00b7lament d\u2019hipoteca?<\/h2>\n\n\n\n<p>A nivell legal, <strong>no \u00e9s obligatori fer el cancel\u00b7lament d\u2019hipoteca<\/strong> un cop pagada. \u00c9s a dir, no hi ha cap norma que t\u2019hi obligui immediatament. Ara b\u00e9, aix\u00f2 no vol dir que no sigui recomanable.<\/p>\n\n\n\n<p>No cancel\u00b7lar la hipoteca pot comportar problemes en situacions com:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Venda de l\u2019habitatge.<\/li>\n\n\n\n<li>Donaci\u00f3 o her\u00e8ncia.<\/li>\n\n\n\n<li>Sol\u00b7licitud d\u2019un nou finan\u00e7ament.<\/li>\n\n\n\n<li>Operacions notarials o registrals.<\/li>\n<\/ul>\n\n\n\n<p>En tots aquests casos, el fet que la hipoteca segueixi inscrita pot alentir o complicar el proc\u00e9s. Per aix\u00f2, tot i que no \u00e9s obligatori fer el cancel\u00b7lament d\u2019hipoteca, s\u00ed que \u00e9s altament recomanable.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Cancel\u00b7lament d\u2019hipoteca per caducitat: una alternativa a tenir en compte<\/h2>\n\n\n\n<p>Existeix una opci\u00f3 menys coneguda per\u00f2 molt interessant: el <strong>cancel\u00b7lament d\u2019hipoteca per caducitat<\/strong>.<\/p>\n\n\n\n<p>Segons la normativa hipotec\u00e0ria, <strong>una hipoteca es pot cancel\u00b7lar autom\u00e0ticament al Registre quan han passat 20 anys<\/strong> des de la data de venciment final del pr\u00e9stec, sempre que no s\u2019hagi renovat ni executat.<\/p>\n\n\n\n<p>Aquesta via pot ser \u00fatil s\u00ed:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Fa molts anys que vas acabar de pagar la hipoteca.<\/li>\n\n\n\n<li>No tens previst vendre l\u2019habitatge a curt termini.<\/li>\n\n\n\n<li>Vols evitar despeses notarials i registrals.<\/li>\n<\/ul>\n\n\n\n<p>Tot i aix\u00f2, cal revisar cada cas de manera individual, ja que no totes les hipoteques compleixen els requisits per aplicar aquesta opci\u00f3.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Quant costa el cancel\u00b7lament d\u2019hipoteca?<\/h2>\n\n\n\n<p>Una de les preguntes m\u00e9s habituals \u00e9s<strong> quant costa el cancel\u00b7lament d\u2019hipoteca<\/strong>. El cost pot variar segons diversos factors, per\u00f2 normalment inclou:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Escriptura de cancel\u00b7laci\u00f3 notarial<\/strong><\/li>\n\n\n\n<li><strong>Inscripci\u00f3 al Registre de la Propietat<\/strong><\/li>\n\n\n\n<li><strong>Gestoria <\/strong>(opcional)<\/li>\n<\/ul>\n\n\n\n<p>De manera orientativa, el preu acostuma a situar-se entre 300 \u20ac i 600 \u20ac, depenent del notari, el registre i si contractes una gestoria per fer el tr\u00e0mit. \u00c9s important tenir clar que el banc no pot cobrar cap comissi\u00f3 per cancel\u00b7lar la hipoteca si ja est\u00e0 totalment pagada. Les \u00faniques despeses s\u00f3n administratives.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Quan conv\u00e9 cancel\u00b7lar la hipoteca?<\/h2>\n\n\n\n<p>Tot i que no \u00e9s obligatori fer el cancel\u00b7lament d\u2019hipoteca, hi ha moments clau en qu\u00e8 \u00e9s molt recomanable fer-ho:<\/p>\n\n\n\n<p><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Abans de <strong>posar el pis en venda<\/strong>.<\/li>\n\n\n\n<li>Si vols deixar l\u2019<strong>habitatge lliure de c\u00e0rregues<\/strong> per als teus hereus.<\/li>\n\n\n\n<li>Abans de demanar una <strong>nova hipoteca<\/strong>.<\/li>\n\n\n\n<li>Per <strong>evitar problemes legals o retards <\/strong>futurs.<\/li>\n<\/ul>\n\n\n\n<p>Anticipar-te et permet guanyar tranquil\u00b7litat i agilitzar qualsevol operaci\u00f3 immobili\u00e0ria.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Cancel\u00b7lar la hipoteca amb l\u2019assessorament adequat<\/h2>\n\n\n\n<p>Cada situaci\u00f3 \u00e9s diferent i no sempre la millor opci\u00f3 \u00e9s la mateixa. Valorar si et conv\u00e9 fer el cancel\u00b7lament d\u2019hipoteca, optar per la cancel\u00b7laci\u00f3 d\u2019hipoteca per caducitat o esperar, dep\u00e8n de factors com el teu objectiu, el termini i l\u2019estat registral de l\u2019immoble.<\/p>\n\n\n\n<p>A Esp\u00edgul t\u2019ajudem a analitzar el teu cas de manera clara i pr\u00e0ctica, perqu\u00e8 prenguis decisions amb tota la informaci\u00f3 sobre la taula i sense sorpreses.<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Quan acabes de pagar la hipoteca, \u00e9s habitual pensar que el proc\u00e9s ja est\u00e0 complet. Per\u00f2, a nivell legal, el fet d\u2019haver liquidat el pr\u00e9stec no sempre implica que l\u2019habitatge quedi lliure de c\u00e0rregues al Registre de la Propietat. Aqu\u00ed \u00e9s on entra en joc el cancel\u00b7lament d\u2019hipoteca, un tr\u00e0mit que genera molts dubtes entre&#8230;<\/p>\n","protected":false},"author":6,"featured_media":346315,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_uag_custom_page_level_css":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-346313","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized-ca"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u00bf\u00c9s obligatori el cancel\u00b7lament d\u2019hipoteca un cop pagada?<\/title>\n<meta name=\"description\" content=\"\u00c9s obligatori el cancel\u00b7lament d\u2019hipoteca un cop pagada? 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Per\u00f2, a nivell legal, el fet d\u2019haver liquidat el pr\u00e9stec no sempre implica que l\u2019habitatge quedi lliure de c\u00e0rregues al Registre de la Propietat. Aqu\u00ed \u00e9s on entra en joc el cancel\u00b7lament d\u2019hipoteca, un tr\u00e0mit que genera molts dubtes entre...","_links":{"self":[{"href":"https:\/\/www.espigul.com\/ca\/wp-json\/wp\/v2\/posts\/346313","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.espigul.com\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.espigul.com\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.espigul.com\/ca\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/www.espigul.com\/ca\/wp-json\/wp\/v2\/comments?post=346313"}],"version-history":[{"count":4,"href":"https:\/\/www.espigul.com\/ca\/wp-json\/wp\/v2\/posts\/346313\/revisions"}],"predecessor-version":[{"id":346322,"href":"https:\/\/www.espigul.com\/ca\/wp-json\/wp\/v2\/posts\/346313\/revisions\/346322"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.espigul.com\/ca\/wp-json\/wp\/v2\/media\/346315"}],"wp:attachment":[{"href":"https:\/\/www.espigul.com\/ca\/wp-json\/wp\/v2\/media?parent=346313"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.espigul.com\/ca\/wp-json\/wp\/v2\/categories?post=346313"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.espigul.com\/ca\/wp-json\/wp\/v2\/tags?post=346313"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}