{"id":5388,"date":"2024-08-19T11:03:57","date_gmt":"2024-08-19T11:03:57","guid":{"rendered":"https:\/\/rfblegal.co.uk\/?post_type=insight&p=5388"},"modified":"2025-11-14T14:41:16","modified_gmt":"2025-11-14T14:41:16","slug":"prestamo-puente-impagos-que-ocurre-si-no-se-puede-devolver-un-prestamo-puente-a-tiempo","status":"publish","type":"insight","link":"https:\/\/rfblegal.co.uk\/es\/perspectivas\/prestamo-puente-impagos-que-ocurre-si-no-se-puede-devolver-un-prestamo-puente-a-tiempo\/","title":{"rendered":"Impagos de pr\u00e9stamos puente: \u00bfQu\u00e9 ocurre si no puede devolver un pr\u00e9stamo puente a tiempo?"},"content":{"rendered":"

Bridging finanzas<\/a> is often used by property developers and investors in various situations, for example, where investors are buying<\/a> a new property while waiting for the sale of another<\/a> property or waiting for a refinance on another property. Before obtaining bridging finance it is worthwhile considering your exit strategies and understanding<\/a> el consequences<\/a> in the event that you default on the loan. <\/p>\n\n\n\n

Failing to repay a bridging loan<\/a> on time can have serious consequences. Bridging loans are designed for short-term borrowing, with most bridging lenders requiring the loan to be fully repaid within the agreed timeframe.<\/p>\n\n\n\n

It\u2019s crucial to carefully review the terms of your bridging loan, as they will<\/a> likely outline the consequences of breaching the agreement<\/a>. Failure to repay the loan by the end of the term will almost certainly constitute a breach<\/a> of your lending terms.<\/p>\n\n\n\n

Inter\u00e9s de demora<\/strong><\/h2>\n\n\n\n

If you default on your loan\u2014such as by failing to repay it by the end of the term\u2014the lender may impose a higher rate of interest. The terms concerning default interest<\/a> are usually specified in the original loan agreement, which you would have signed before taking out the loan.<\/p>\n\n\n\n

For further information on whether a lender\u2019s default interest rate may constitute an unenforceable penalty<\/a>, you can read our article here: \u201cTipo de inter\u00e9s de demora del prestamista puente: El Tribunal Superior considera que el inter\u00e9s de demora del 4% es un recargo no exigible\u201d<\/a>.<\/p>\n\n\n\n

Tasas adicionales<\/strong><\/h2>\n\n\n\n

In the event of a default on your bridging loan, the lender may seek to impose adicional<\/a> fees. The lender’s right<\/a> to do so will depend on the terms of the original loan agreement. Some lenders may add a late payment charge, typically a relatively modest amount, while others may impose \u2018account review fees,\u2019 which could be significantly higher.<\/p>\n\n\n\n

Reclamaci\u00f3n del pr\u00e9stamo \/ Procedimiento de posesi\u00f3n<\/strong><\/h2>\n\n\n\n

Si no devuelves el pr\u00e9stamo al final del plazo, el prestamista puede, en funci\u00f3n de las condiciones del pr\u00e9stamo, exigir el reembolso inmediato del importe total.<\/p>\n\n\n\n

Si no puede devolver el pr\u00e9stamo cuando se le exige el reembolso inmediato, el prestamista puede intentar recuperar la propiedad sobre la que est\u00e1 garantizado el pr\u00e9stamo.<\/p>\n\n\n\n

If the loan remains unpaid, bridging lenders are likely to have several legal options at their disposal. These may include issuing a claim to obtain a County Court Judgement, serving<\/a> statutory<\/a> demands, and \/ or presenting a winding-up or bankruptcy<\/a> petition.<\/p>\n\n\n\n

Si el pr\u00e9stamo puente fue suscrito por una empresa, el prestamista puede nombrar liquidadores para liquidar la empresa prestataria y realizar sus activos, incluidos los bienes, para reembolsar el pr\u00e9stamo.<\/p>\n\n\n\n

Historial crediticio \/ puntuaci\u00f3n de cr\u00e9dito<\/strong><\/h2>\n\n\n\n

Borrowers should bear in mind that defaulting<\/a> on your bridging loan may well have an adverse impact on your credit history \/ credit score. <\/p>\n\n\n\n

Prorrogar el pr\u00e9stamo<\/strong><\/h2>\n\n\n\n

Dependiendo de las circunstancias, el prestamista puede estar dispuesto a ampliar el plazo del pr\u00e9stamo, aunque es posible que tenga que pagar tasas de renovaci\u00f3n, que pueden ser considerables con algunos prestamistas. Tenga en cuenta que algunos prestamistas puente pueden estar dispuestos a ampliar el plazo del pr\u00e9stamo sobre la base de que usted comience a realizar pagos mensuales de intereses en lugar de permitirle seguir acumulando los intereses de su pr\u00e9stamo.<\/p>\n\n\n\n

Maintaining communication with your lender is crucial. If you can demonstrate to the lender that you have an exit strategy\u2014or multiple strategies\u2014such as selling a property or refinanciaci\u00f3n<\/a>, which will allow you to repay the loan within a reasonable timeframe, the lender may agree to extend the term.<\/p>\n\n\n\n

Si puede tomar medidas para agilizar cualquier salida, como acelerar cualquier venta o refinanciaci\u00f3n, es probable que mejoren sus perspectivas de llegar a una resoluci\u00f3n amistosa de cualquier situaci\u00f3n de impago.<\/p>\n\n\n\n

Bridging Loan Default Solicitors: Cont\u00e1ctenos<\/h2>\n\n\n\n

David Burns<\/a>, Senior<\/a> Litigios<\/a> Partner at Ronald Fletcher Baker LLP, has extensive experience in handling<\/a> issues related to defaults on bridging loans. For inquiries on this topic, please contact<\/a> David Burns via<\/a> email at D.Burns@rfblegal.co.uk<\/a> o por tel\u00e9fono en 07762318409<\/a>.<\/p>","protected":false},"author":5,"featured_media":5389,"parent":0,"menu_order":0,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[63,20],"tags":[81],"class_list":["post-5388","insight","type-insight","status-publish","format-standard","has-post-thumbnail","hentry","category-commercial-property","category-property-litigation","tag-litigation-team-dj"],"acf":[],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t