{"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":"

Los promotores inmobiliarios y los inversores suelen recurrir a la financiaci\u00f3n puente en diversas situaciones, por ejemplo, cuando compran una nueva propiedad mientras esperan la venta de otra o la refinanciaci\u00f3n de otra. Antes de obtener financiaci\u00f3n puente, conviene considerar las estrategias de salida y conocer las consecuencias en caso de impago del pr\u00e9stamo. <\/p>\n\n\n\n

No devolver un pr\u00e9stamo puente a tiempo puede tener graves consecuencias. Los pr\u00e9stamos puente est\u00e1n dise\u00f1ados para pr\u00e9stamos a corto plazo, y la mayor\u00eda de los prestamistas exigen que el pr\u00e9stamo se devuelva en su totalidad en el plazo acordado.<\/p>\n\n\n\n

Es fundamental revisar detenidamente las condiciones del pr\u00e9stamo puente, ya que en ellas se especifican las consecuencias del incumplimiento del acuerdo. No devolver el pr\u00e9stamo al final del plazo constituir\u00e1 casi con toda seguridad un incumplimiento de las condiciones del pr\u00e9stamo.<\/p>\n\n\n\n

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

Si incumple el pago de su pr\u00e9stamo -por ejemplo, si no lo devuelve al final del plazo-, el prestamista puede imponerle un tipo de inter\u00e9s m\u00e1s alto. Las condiciones relativas a los intereses de demora suelen especificarse en el contrato de pr\u00e9stamo original, que habr\u00e1s firmado antes de suscribir el pr\u00e9stamo.<\/p>\n\n\n\n

Para m\u00e1s informaci\u00f3n sobre si el tipo de inter\u00e9s de demora de un prestamista puede constituir una penalizaci\u00f3n inaplicable, puede leer nuestro art\u00edculo aqu\u00ed: \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

En caso de impago del pr\u00e9stamo puente, el prestamista puede tratar de imponer comisiones adicionales. El derecho del prestamista a hacerlo depender\u00e1 de las condiciones del contrato de pr\u00e9stamo original. Algunos prestamistas pueden a\u00f1adir una comisi\u00f3n por demora en el pago, que suele ser una cantidad relativamente modesta, mientras que otros pueden imponer \u2018comisiones de revisi\u00f3n de cuenta\u2019, que podr\u00edan ser considerablemente m\u00e1s elevadas.<\/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

Si el pr\u00e9stamo sigue impagado, es probable que los prestamistas puente dispongan de varias opciones legales. Estas pueden incluir la emisi\u00f3n de una demanda para obtener una sentencia del Tribunal del Condado, la notificaci\u00f3n de demandas legales, y \/ o la presentaci\u00f3n de una solicitud de liquidaci\u00f3n o quiebra.<\/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

Los prestatarios deben tener en cuenta que el impago de su pr\u00e9stamo puente puede repercutir negativamente en su historial crediticio\/calificaci\u00f3n crediticia. <\/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

Mantener la comunicaci\u00f3n con el prestamista es crucial. Si puedes demostrar al prestamista que tienes una estrategia de salida -o varias-, como vender una propiedad o refinanciar, que te permitir\u00e1 devolver el pr\u00e9stamo en un plazo razonable, es posible que el prestamista acceda a ampliar el plazo.<\/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>, David Burns, Socio Principal de Litigios en Ronald Fletcher Baker LLP, cuenta con una amplia experiencia en la gesti\u00f3n de asuntos relacionados con impagos de pr\u00e9stamos puente. Para consultas sobre este tema, p\u00f3ngase en contacto con David Burns a trav\u00e9s del correo electr\u00f3nico 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":[],"yoast_head":"\nBridging Loan Defaults - What Happens if You Can\u2019t Repay on Time<\/title>\n<meta name=\"description\" content=\"Learn the consequences of failing to repay a bridging loan on time, including default interest, additional fees, and potential legal actions.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/rfblegal.co.uk\/es\/perspectivas\/prestamo-puente-impagos-que-ocurre-si-no-se-puede-devolver-un-prestamo-puente-a-tiempo\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bridging Loan Defaults - 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