{"id":532996,"date":"2026-11-05T12:12:23","date_gmt":"2026-11-05T11:12:23","guid":{"rendered":"https:\/\/www.espigul.com\/?p=532996"},"modified":"2026-11-05T12:15:45","modified_gmt":"2026-11-05T11:15:45","slug":"certificat-de-deute-pendent","status":"publish","type":"post","link":"https:\/\/www.espigul.com\/ca\/certificat-de-deute-pendent\/","title":{"rendered":"Qu\u00e8 \u00e9s el certificat de deute pendent i com el pots demanar?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Quan decideixes vendre un habitatge que encara t\u00e9 una hipoteca vigent, \u00e9s important saber quin import et queda per pagar al banc. Aquesta informaci\u00f3 et permetr\u00e0 calcular quants diners podr\u00e0s obtenir de la venda i preparar correctament <a href=\"https:\/\/www.espigul.com\/ca\/que-documentacion-se-necesita-para-vender-una-casa\/\">tota la documentaci\u00f3 necess\u00e0ria<\/a> per formalitzar l&#8217;operaci\u00f3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Un dels documents que necessitar\u00e0s \u00e9s el certificat de deute pendent de la hipoteca, un document que acredita quina quantitat deus a l&#8217;entitat financera en una data determinada. Per\u00f2, com el pots sol\u00b7licitar? Quina informaci\u00f3 inclou? I qu\u00e8 passa amb la hipoteca quan vens el teu habitatge?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A continuaci\u00f3, t&#8217;expliquem tot el que has de saber sobre aquest document i com pot influir en el proc\u00e9s de compravenda.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Qu\u00e8 \u00e9s el certificat de deute pendent?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">El certificat de deute pendent \u00e9s un document que emet l&#8217;entitat banc\u00e0ria per acreditar l&#8217;import que encara has de pagar d&#8217;un pr\u00e9stec. En el cas d&#8217;un habitatge hipotecat, permet con\u00e8ixer el capital que queda pendent d&#8217;amortitzar en el moment de la seva emissi\u00f3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aquest document tamb\u00e9 es coneix com a certificat de saldo pendent o certificat de deute hipotecari i \u00e9s especialment important quan vols <a href=\"https:\/\/www.espigul.com\/ca\/vendre-un-pis-amb-hipoteca\/\">vendre un habitatge que encara est\u00e0 hipotecat<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A m\u00e9s de l&#8217;import principal que queda per retornar, el certificat pot incloure altres conceptes, com ara:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>El capital pendent d&#8217;amortitzar del pr\u00e9stec hipotecari.<\/li>\n\n\n\n<li>Els interessos meritats que encara no s&#8217;han abonat.<\/li>\n\n\n\n<li>Els possibles interessos de demora, si tens quotes impagades.<\/li>\n\n\n\n<li>Les comissions o compensacions per cancel\u00b7laci\u00f3 anticipada, quan corresponguin.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">D&#8217;aquesta manera, pots con\u00e8ixer l&#8217;import que haur\u00e0s de satisfer per liquidar el pr\u00e9stec i deixar l&#8217;habitatge lliure de c\u00e0rregues hipotec\u00e0ries.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c9s important que tinguis en compte que aquest document no \u00e9s el mateix que el certificat de deute zero. Mentre que el primer acredita que encara tens una quantitat pendent de pagar, el segon confirma que ja has liquidat completament el pr\u00e9stec hipotecari.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Per a qu\u00e8 serveix el certificat de deute pendent de la hipoteca?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La seva funci\u00f3 principal \u00e9s acreditar la situaci\u00f3 econ\u00f2mica del teu pr\u00e9stec hipotecari en un moment concret. Tot i que pots necessitar-lo per a diferents gestions banc\u00e0ries, un dels casos m\u00e9s habituals \u00e9s la venda d&#8217;un habitatge hipotecat.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si vols vendre el teu pis i encara est\u00e0s pagant la hipoteca, necessites saber quina quantitat haur\u00e0s de destinar a liquidar el deute amb el banc. Aix\u00f2 et permetr\u00e0 calcular els diners que et quedaran despr\u00e9s de completar la compravenda.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Per exemple, imagina que has acordat vendre el teu habitatge per 250.000 euros i encara tens 85.000 euros de capital pendent de la hipoteca. En aquest cas, haur\u00e0s de destinar una part del preu de venda a liquidar aquest import amb l&#8217;entitat banc\u00e0ria.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">El certificat permetr\u00e0 con\u00e8ixer la quantitat que s&#8217;haur\u00e0 d&#8217;abonar al banc per cancel\u00b7lar el pr\u00e9stec, tenint en compte les condicions i els imports aplicables en la data de liquidaci\u00f3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tamb\u00e9 pot ser necessari en altres situacions, com ara quan vols estudiar una novaci\u00f3 o subrogaci\u00f3 hipotec\u00e0ria, negociar les condicions del pr\u00e9stec o calcular l&#8217;import que necessites per fer una amortitzaci\u00f3 anticipada.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Com demanar el certificat de deute pendent de la hipoteca?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Sol\u00b7licitar el certificat de deute pendent \u00e9s un tr\u00e0mit que has de fer directament amb l&#8217;entitat banc\u00e0ria amb la qual tens contractada la hipoteca.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Actualment, la majoria de bancs ofereixen diferents canals per demanar aquest document, de manera que no sempre \u00e9s necessari despla\u00e7ar-te presencialment a una oficina.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pots fer-ho de les maneres seg\u00fcents:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>A trav\u00e9s de la banca electr\u00f2nica o l&#8217;aplicaci\u00f3 del banc. Algunes entitats permeten sol\u00b7licitar certificats bancaris directament des de la seva plataforma digital. Nom\u00e9s has d&#8217;accedir al teu compte, localitzar l&#8217;apartat de documents o certificats i tramitar la petici\u00f3.<\/li>\n\n\n\n<li>A trav\u00e9s d&#8217;una oficina banc\u00e0ria. Si prefereixes fer la gesti\u00f3 presencialment, pots demanar cita amb la teva entitat i sol\u00b7licitar el certificat al personal de l&#8217;oficina.<\/li>\n\n\n\n<li>Per tel\u00e8fon o a trav\u00e9s del servei d&#8217;atenci\u00f3 al client. Tamb\u00e9 pots contactar amb el teu banc per consultar si permet tramitar la petici\u00f3 per aquesta via i quins passos has de seguir.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Quan facis la sol\u00b7licitud, \u00e9s recomanable que indiquis que necessites el certificat per vendre un habitatge hipotecat. D&#8217;aquesta manera, l&#8217;entitat podr\u00e0 preparar el document amb la informaci\u00f3 necess\u00e0ria per a la cancel\u00b7laci\u00f3 del pr\u00e9stec durant la compravenda.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Abans de demanar-lo, comprova tamb\u00e9 si el banc estableix alguna condici\u00f3 sobre la data d&#8217;emissi\u00f3 o el per\u00edode de validesa del certificat. Com que el deute pot variar amb el pagament de noves quotes i els interessos, \u00e9s important que la informaci\u00f3 estigui actualitzada quan arribis a la notaria.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Quant costa demanar un certificat de deute pendent?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">El cost del certificat de deute pendent pot variar segons l&#8217;entitat banc\u00e0ria i les condicions del servei.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Abans de tramitar la sol\u00b7licitud, consulta amb el teu banc si l&#8217;emissi\u00f3 t\u00e9 algun cost i si pots obtenir-lo gratu\u00eftament a trav\u00e9s de la banca digital. Tamb\u00e9 \u00e9s important que diferenci\u00efs aquest document del certificat de deute zero, que acredita que has acabat de pagar la hipoteca.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En aquest \u00faltim cas, l&#8217;entitat banc\u00e0ria t&#8217;ha de facilitar gratu\u00eftament el certificat de deute zero quan l&#8217;has sol\u00b7licitat per acreditar que el pr\u00e9stec est\u00e0 completament liquidat.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Qu\u00e8 passa amb la hipoteca pendent quan vens un habitatge?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Una de les q\u00fcestions que m\u00e9s dubtes genera \u00e9s si pots vendre un habitatge que encara t\u00e9 una hipoteca pendent de pagament. La resposta \u00e9s que s\u00ed. Pots vendre un habitatge hipotecat sense haver liquidat pr\u00e8viament tot el pr\u00e9stec, sempre que es resolgui la c\u00e0rrega hipotec\u00e0ria durant el proc\u00e9s de compravenda o que s&#8217;acordi una subrogaci\u00f3 amb el comprador i l&#8217;entitat financera.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En una compravenda habitual, el procediment funciona de la manera seg\u00fcent:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. Sol\u00b7licites el certificat de deute pendent.<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Abans de formalitzar la venda, demanes al banc el certificat perqu\u00e8 indiqui l&#8217;import que queda pendent de la hipoteca.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Es prepara el pagament del deute.<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">El dia de la signatura davant de notari, una part del preu de compravenda es destina a liquidar el pr\u00e9stec hipotecari. Habitualment, aquest import es lliura directament a l&#8217;entitat banc\u00e0ria mitjan\u00e7ant un xec bancari o una altra forma de pagament acordada.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. Es liquida la hipoteca amb el banc.<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Una vegada abonada la quantitat pendent, el pr\u00e9stec queda econ\u00f2micament liquidat. Aix\u00f2 no significa, per\u00f2, que la c\u00e0rrega hagi desaparegut autom\u00e0ticament del <a href=\"https:\/\/www.espigul.com\/ca\/que-es-una-nota-simple-registre-propietat\/\">Registre de la Propietat.<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. Es tramita la cancel\u00b7laci\u00f3 registral.<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Perqu\u00e8 l&#8217;habitatge quedi lliure de c\u00e0rregues, cal formalitzar l&#8217;<a href=\"https:\/\/www.espigul.com\/ca\/cancellar-hipoteca\/\">escriptura de cancel\u00b7laci\u00f3 de la hipoteca<\/a> davant de notari i inscriure-la al Registre de la Propietat. Aquest tr\u00e0mit permet eliminar la c\u00e0rrega hipotec\u00e0ria que encara consta inscrita sobre l&#8217;immoble.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c9s important que diferenci\u00efs entre la cancel\u00b7laci\u00f3 econ\u00f2mica i la cancel\u00b7laci\u00f3 registral, ja que s\u00f3n dos tr\u00e0mits diferents. Haver pagat tot el pr\u00e9stec no implica que la hipoteca hagi desaparegut del registre.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Per aix\u00f2, abans de posar el teu habitatge a la venda, \u00e9s recomanable que tinguis controlada la situaci\u00f3 del pr\u00e9stec i coneguis els tr\u00e0mits que haur\u00e0s de fer per completar l&#8217;operaci\u00f3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si est\u00e0s pensant a vendre el teu habitatge i encara tens una hipoteca pendent, a Esp\u00edgul <a href=\"https:\/\/www.espigul.com\/es\/vender\/\">t&#8217;acompanyem durant tot el proc\u00e9s de compravend<\/a><a href=\"https:\/\/www.espigul.com\/ca\/vendre-2\/\">a<\/a>. El nostre equip t&#8217;assessora en cada etapa, t&#8217;ajuda a preparar la documentaci\u00f3 necess\u00e0ria i resol els dubtes que puguin sorgir perqu\u00e8 puguis vendre el teu habitatge amb la tranquil\u00b7litat de tenir-ho tot sota control.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Quan decideixes vendre un habitatge que encara t\u00e9 una hipoteca vigent, \u00e9s important saber quin import et queda per pagar al banc. Aquesta informaci\u00f3 et permetr\u00e0 calcular quants diners podr\u00e0s obtenir de la venda i preparar correctament tota la documentaci\u00f3 necess\u00e0ria per formalitzar l&#8217;operaci\u00f3. Un dels documents que necessitar\u00e0s \u00e9s el certificat de deute pendent&#8230;<\/p>\n","protected":false},"author":6,"featured_media":532998,"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-532996","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 v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Certificat de deute pendent de la hipoteca Esp\u00edgul<\/title>\n<meta name=\"description\" content=\"T&#039;expliquem qu\u00e8 \u00e9s el certificat de deute pendent, com demanar-lo al banc i per a qu\u00e8 serveix quan vens un habitatge hipotecat.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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