{"id":359,"date":"2021-11-17T17:57:32","date_gmt":"2021-11-17T17:57:32","guid":{"rendered":"https:\/\/consejoespanolhi.org\/?page_id=359"},"modified":"2021-11-29T19:10:34","modified_gmt":"2021-11-29T19:10:34","slug":"buenas-practicas-hipoteca-inversa","status":"publish","type":"page","link":"https:\/\/consejoespanolhi.org\/buenas-practicas-hipoteca-inversa\/","title":{"rendered":"Est\u00e1ndares y buenas pr\u00e1cticas de hipoteca inversa"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"359\" class=\"elementor elementor-359\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4172f8b elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4172f8b\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-94e0cfd\" data-id=\"94e0cfd\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ff38e25 elementor-widget elementor-widget-heading\" data-id=\"ff38e25\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.19.0 - 07-02-2024 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h2 class=\"elementor-heading-title elementor-size-default\">Est\u00e1ndares de buenas pr\u00e1cticas de hipoteca inversa<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-85510d9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"85510d9\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-958de14\" data-id=\"958de14\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-952d810 elementor-widget elementor-widget-heading\" data-id=\"952d810\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">El Consejo Espa\u00f1ol de Hipoteca Inversa ha establecido unos est\u00e1ndares de calidad que afectan a los productos y a los procedimientos de contrataci\u00f3n que van m\u00e1s all\u00e1 de los establecidos por la Ley con el objetivo de dotar de la m\u00e1xima transparencia y seguridad al mercado de HIs en Espa\u00f1a. El cumplimiento de estos est\u00e1ndares permitir\u00e1 obtener el sello de calidad del Consejo Espa\u00f1ol de HI.<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d4cb83a elementor-widget elementor-widget-spacer\" data-id=\"d4cb83a\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.19.0 - 07-02-2024 *\/\n.elementor-column .elementor-spacer-inner{height:var(--spacer-size)}.e-con{--container-widget-width:100%}.e-con-inner>.elementor-widget-spacer,.e-con>.elementor-widget-spacer{width:var(--container-widget-width,var(--spacer-size));--align-self:var(--container-widget-align-self,initial);--flex-shrink:0}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container,.e-con>.elementor-widget-spacer>.elementor-widget-container{height:100%;width:100%}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer,.e-con>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer{height:100%}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer>.elementor-spacer-inner,.e-con>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer>.elementor-spacer-inner{height:var(--container-widget-height,var(--spacer-size))}.e-con-inner>.elementor-widget-spacer.elementor-widget-empty,.e-con>.elementor-widget-spacer.elementor-widget-empty{position:relative;min-height:22px;min-width:22px}.e-con-inner>.elementor-widget-spacer.elementor-widget-empty .elementor-widget-empty-icon,.e-con>.elementor-widget-spacer.elementor-widget-empty .elementor-widget-empty-icon{position:absolute;top:0;bottom:0;left:0;right:0;margin:auto;padding:0;width:22px;height:22px}<\/style>\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ed1a0d5 elementor-widget elementor-widget-heading\" data-id=\"ed1a0d5\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Est\u00e1ndares de calidad y buenas pr\u00e1cticas<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fb85178 elementor-widget elementor-widget-spacer\" data-id=\"fb85178\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-72a2f2c elementor-position-left elementor-vertical-align-middle elementor-view-default elementor-mobile-position-top elementor-widget elementor-widget-icon-box\" data-id=\"72a2f2c\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<link rel=\"stylesheet\" href=\"https:\/\/consejoespanolhi.org\/wp-content\/plugins\/elementor\/assets\/css\/widget-icon-box.min.css\">\t\t<div class=\"elementor-icon-box-wrapper\">\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon elementor-animation-\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 61.07 61.07\"><defs><style>.cls-1{fill:#73afaf;}<\/style><\/defs><title>CEHI-1<\/title><g id=\"Layer_2\" data-name=\"Layer 2\"><g id=\"Layer_2-2\" data-name=\"Layer 2\"><path class=\"cls-1\" d=\"M30.53,61.07A30.54,30.54,0,1,1,61.07,30.53,30.57,30.57,0,0,1,30.53,61.07ZM30.53,2A28.54,28.54,0,1,0,59.07,30.53,28.56,28.56,0,0,0,30.53,2Z\"><\/path><path class=\"cls-1\" d=\"M34.42,18.84V44H28.59V23.53h-5V18.84Z\"><\/path><\/g><\/g><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\t\t\t\t<h4 class=\"elementor-icon-box-title\">\n\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tLos productos de hipoteca inversa ser\u00e1n productos que permitir\u00e1n que los clientes vivan y disfruten de sus casas de por vida.\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-500269b elementor-position-left elementor-vertical-align-middle elementor-view-default elementor-mobile-position-top elementor-widget elementor-widget-icon-box\" data-id=\"500269b\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon elementor-animation-\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 61.07 61.07\"><defs><style>.cls-1{fill:#73afaf;}<\/style><\/defs><title>CEHI-2<\/title><g id=\"Layer_2\" data-name=\"Layer 2\"><g id=\"Layer_2-2\" data-name=\"Layer 2\"><path class=\"cls-1\" d=\"M30.53,61.07A30.54,30.54,0,1,1,61.07,30.53,30.57,30.57,0,0,1,30.53,61.07ZM30.53,2A28.54,28.54,0,1,0,59.07,30.53,28.56,28.56,0,0,0,30.53,2Z\"><\/path><path class=\"cls-1\" d=\"M40,39.29V44h-19V40.26l9.72-9.18a10.45,10.45,0,0,0,2.09-2.53,4.63,4.63,0,0,0,.54-2.11,2.76,2.76,0,0,0-1-2.32,4.75,4.75,0,0,0-3-.81,6.9,6.9,0,0,0-3,.63A5.7,5.7,0,0,0,24,25.83l-4.25-2.74a9.89,9.89,0,0,1,4.07-3.43,13.57,13.57,0,0,1,5.94-1.25,12.22,12.22,0,0,1,4.91.92A7.58,7.58,0,0,1,38,21.92a6.72,6.72,0,0,1,1.17,3.95,8.75,8.75,0,0,1-.87,3.85,14.68,14.68,0,0,1-3.34,4.1l-5.8,5.47Z\"><\/path><\/g><\/g><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\t\t\t\t<h4 class=\"elementor-icon-box-title\">\n\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tEl contratante de un producto de hipoteca inversa podr\u00e1 mantener la propiedad de su vivienda de por vida.\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e2d5a38 elementor-position-left elementor-vertical-align-middle elementor-view-default elementor-mobile-position-top elementor-widget elementor-widget-icon-box\" data-id=\"e2d5a38\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon elementor-animation-\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 61.07 61.07\"><defs><style>.cls-1{fill:#73afaf;}<\/style><\/defs><title>CEHI-3<\/title><g id=\"Layer_2\" data-name=\"Layer 2\"><g id=\"Layer_2-2\" data-name=\"Layer 2\"><path class=\"cls-1\" d=\"M30.53,61.07A30.54,30.54,0,1,1,61.07,30.53,30.57,30.57,0,0,1,30.53,61.07ZM30.53,2A28.54,28.54,0,1,0,59.07,30.53,28.56,28.56,0,0,0,30.53,2Z\"><\/path><path class=\"cls-1\" d=\"M38,31.57a6.8,6.8,0,0,1,1.76,4.77,7.48,7.48,0,0,1-1.15,4,8,8,0,0,1-3.51,3,13.36,13.36,0,0,1-5.78,1.12,20.09,20.09,0,0,1-5.23-.7,13.62,13.62,0,0,1-4.38-2l2.27-4.47A11.09,11.09,0,0,0,25.26,39a13,13,0,0,0,3.87.59,6.19,6.19,0,0,0,3.46-.84,2.74,2.74,0,0,0,1.26-2.4c0-2.06-1.58-3.09-4.72-3.09H26.47V29.39l5.18-5.86H20.92V18.85H38.56v3.78l-5.69,6.48A8.52,8.52,0,0,1,38,31.57Z\"><\/path><\/g><\/g><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\t\t\t\t<h4 class=\"elementor-icon-box-title\">\n\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tLos herederos podr\u00e1n decidir libremente si desean mantener la propiedad de la vivienda, haciendo frente al pago de lo adeudado en un pago \u00fanico o constituyendo una nueva hipoteca por el importe adeudado.\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e62b9ea elementor-position-left elementor-vertical-align-middle elementor-view-default elementor-mobile-position-top elementor-widget elementor-widget-icon-box\" data-id=\"e62b9ea\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon elementor-animation-\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 61.07 61.07\"><defs><style>.cls-1{fill:#73afaf;}<\/style><\/defs><title>CEHI-4<\/title><g id=\"Layer_2\" data-name=\"Layer 2\"><g id=\"Layer_2-2\" data-name=\"Layer 2\"><path class=\"cls-1\" d=\"M30.53,61.07A30.54,30.54,0,1,1,61.07,30.53,30.57,30.57,0,0,1,30.53,61.07ZM30.53,2A28.54,28.54,0,1,0,59.07,30.53,28.56,28.56,0,0,0,30.53,2Z\"><\/path><path class=\"cls-1\" d=\"M42.43,38.75h-4.1V44H32.64V38.75H19.07V34.83L31,18.84h6.12L26.05,34h6.77V29.29h5.51V34h4.1Z\"><\/path><\/g><\/g><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\t\t\t\t<h4 class=\"elementor-icon-box-title\">\n\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tLa entidad prestataria no podr\u00e1 exigir la devoluci\u00f3n de lo prestado hasta despu\u00e9s del fallecimiento del prestatario, es decir, la deuda ser\u00e1 exigible solo a sus herederos (que antes habr\u00e1n heredado la casa).\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-921c732 elementor-position-left elementor-vertical-align-middle elementor-view-default elementor-mobile-position-top elementor-widget elementor-widget-icon-box\" data-id=\"921c732\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon elementor-animation-\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 61.07 61.07\"><defs><style>.cls-1{fill:#73afaf;}<\/style><\/defs><title>CEHI-5<\/title><g id=\"Layer_2\" data-name=\"Layer 2\"><g id=\"Layer_2-2\" data-name=\"Layer 2\"><path class=\"cls-1\" d=\"M30.53,61.07A30.54,30.54,0,1,1,61.07,30.53,30.57,30.57,0,0,1,30.53,61.07ZM30.53,2A28.54,28.54,0,1,0,59.07,30.53,28.56,28.56,0,0,0,30.53,2Z\"><\/path><path class=\"cls-1\" d=\"M37.55,30.44a7,7,0,0,1,2.54,5.69,7.88,7.88,0,0,1-1.15,4.19,8,8,0,0,1-3.51,3,13.28,13.28,0,0,1-5.81,1.14,20.11,20.11,0,0,1-5.24-.7,13.62,13.62,0,0,1-4.38-2l2.31-4.47A11.1,11.1,0,0,0,25.62,39a12.84,12.84,0,0,0,3.85.59,6.08,6.08,0,0,0,3.46-.86,2.77,2.77,0,0,0,1.26-2.42,2.7,2.7,0,0,0-1.31-2.44A9,9,0,0,0,28.32,33H21.88l1.29-14.19H38.54v4.69H28l-.39,4.78h2.05Q35,28.31,37.55,30.44Z\"><\/path><\/g><\/g><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\t\t\t\t<h4 class=\"elementor-icon-box-title\">\n\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tAl vencimiento de la operaci\u00f3n, si la deuda generada supera el valor de inmueble, el acreedor solo podr\u00e1 ir contra la masa hereditaria pero NUNCA contra el patrimonio preexistente de los herederos.\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3478b68 elementor-position-left elementor-vertical-align-middle elementor-view-default elementor-mobile-position-top elementor-widget elementor-widget-icon-box\" data-id=\"3478b68\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon elementor-animation-\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 61.07 61.07\"><defs><style>.cls-1{fill:#73afaf;}<\/style><\/defs><title>CEHI-6<\/title><g id=\"Layer_2\" data-name=\"Layer 2\"><g id=\"Layer_2-2\" data-name=\"Layer 2\"><path class=\"cls-1\" d=\"M30.53,61.07A30.54,30.54,0,1,1,61.07,30.53,30.57,30.57,0,0,1,30.53,61.07ZM30.53,2A28.54,28.54,0,1,0,59.07,30.53,28.56,28.56,0,0,0,30.53,2Z\"><\/path><path class=\"cls-1\" d=\"M36.82,29.21A7.69,7.69,0,0,1,40,32a7.4,7.4,0,0,1,1.15,4.12,7.85,7.85,0,0,1-1.26,4.43,8.21,8.21,0,0,1-3.44,2.93,11.25,11.25,0,0,1-4.84,1,10.7,10.7,0,0,1-8.28-3.24q-3-3.24-3-9.25a15.52,15.52,0,0,1,1.62-7.35A11,11,0,0,1,26.43,20a13.72,13.72,0,0,1,6.71-1.59,16.28,16.28,0,0,1,3.87.45,10.49,10.49,0,0,1,3.16,1.28L38,24.42a8.24,8.24,0,0,0-4.71-1.25A6.86,6.86,0,0,0,28.21,25a7.8,7.8,0,0,0-2,5.43,8.42,8.42,0,0,1,6.22-2.23A9.83,9.83,0,0,1,36.82,29.21Zm-2.54,9.9a3.41,3.41,0,0,0,1.17-2.73,3.49,3.49,0,0,0-1.17-2.76,4.57,4.57,0,0,0-3.11-1A4.61,4.61,0,0,0,28,33.66a3.65,3.65,0,0,0,0,5.42,4.76,4.76,0,0,0,3.24,1A4.47,4.47,0,0,0,34.28,39.11Z\"><\/path><\/g><\/g><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\t\t\t\t<h4 class=\"elementor-icon-box-title\">\n\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tEn la hipoteca inversa debe ser la cancelaci\u00f3n anticipada voluntaria por la parte acreditada. La parte acreedora informar\u00e1 clara y previamente del coste de la cancelaci\u00f3n anticipada.\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a4b89b elementor-position-left elementor-vertical-align-middle elementor-view-default elementor-mobile-position-top elementor-widget elementor-widget-icon-box\" data-id=\"7a4b89b\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon elementor-animation-\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 61.07 61.07\"><defs><style>.cls-1{fill:#73afaf;}<\/style><\/defs><title>CEHI-7<\/title><g id=\"Layer_2\" data-name=\"Layer 2\"><g id=\"Layer_2-2\" data-name=\"Layer 2\"><path class=\"cls-1\" d=\"M30.53,61.07A30.54,30.54,0,1,1,61.07,30.53,30.57,30.57,0,0,1,30.53,61.07ZM30.53,2A28.54,28.54,0,1,0,59.07,30.53,28.56,28.56,0,0,0,30.53,2Z\"><\/path><path class=\"cls-1\" d=\"M40.33,18.84v3.79L31,44H24.63l9-20.44H25.31v4.1H20.13V18.84Z\"><\/path><\/g><\/g><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\t\t\t\t<h4 class=\"elementor-icon-box-title\">\n\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tLos proveedores de Hipoteca Inversa pueden ofrecer una gama de condiciones diferentes, incluyendo el pago de intereses, intereses acumulados hasta vencimiento, a tipo fijo de por vida o por un plazo, o tipos variables.  En caso de ofrecer un producto con un tipo de inter\u00e9s variable, los clientes preferiblemente deber\u00e1n disfrutar de un techo de tipo, y en caso de que no lo disfruten, deber\u00e1n ser informados del impacto de no tenerlo, facilit\u00e1ndoles cuadros de evoluci\u00f3n de la deuda en tres escenarios de tipos.\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-395618e elementor-position-left elementor-vertical-align-middle elementor-view-default elementor-mobile-position-top elementor-widget elementor-widget-icon-box\" data-id=\"395618e\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon elementor-animation-\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 61.07 61.07\"><defs><style>.cls-1{fill:#73afaf;}<\/style><\/defs><title>CEHI-8<\/title><g id=\"Layer_2\" data-name=\"Layer 2\"><g id=\"Layer_2-2\" data-name=\"Layer 2\"><path class=\"cls-1\" d=\"M30.53,61.07A30.54,30.54,0,1,1,61.07,30.53,30.57,30.57,0,0,1,30.53,61.07ZM30.53,2A28.54,28.54,0,1,0,59.07,30.53,28.56,28.56,0,0,0,30.53,2Z\"><\/path><path class=\"cls-1\" d=\"M40,33.25a6.2,6.2,0,0,1,1,3.49,6.51,6.51,0,0,1-1.33,4.08,8.4,8.4,0,0,1-3.74,2.7,15,15,0,0,1-5.58,1,14.85,14.85,0,0,1-5.56-1,8.25,8.25,0,0,1-3.71-2.7,6.56,6.56,0,0,1-1.32-4.08,6.2,6.2,0,0,1,1-3.49,7.18,7.18,0,0,1,2.83-2.45,6.09,6.09,0,0,1-2.16-2.18,6,6,0,0,1-.76-3,6.12,6.12,0,0,1,1.23-3.81,7.77,7.77,0,0,1,3.42-2.51,13.57,13.57,0,0,1,5-.88,13.81,13.81,0,0,1,5.09.88,7.83,7.83,0,0,1,3.44,2.51,6.11,6.11,0,0,1,1.22,3.81,6,6,0,0,1-.75,3,6.13,6.13,0,0,1-2.2,2.18A7.07,7.07,0,0,1,40,33.25Zm-6.19,6a3.18,3.18,0,0,0,1.28-2.64,3.13,3.13,0,0,0-1.28-2.63,5.59,5.59,0,0,0-3.47-1,5.45,5.45,0,0,0-3.42,1,3.41,3.41,0,0,0,0,5.29,5.45,5.45,0,0,0,3.42,1A5.53,5.53,0,0,0,33.79,39.2Zm-6.3-15.66a2.82,2.82,0,0,0-1.06,2.33,2.73,2.73,0,0,0,1,2.26,4.44,4.44,0,0,0,2.85.83,4.56,4.56,0,0,0,2.88-.83,2.68,2.68,0,0,0,1.08-2.26,2.8,2.8,0,0,0-1.08-2.33,4.57,4.57,0,0,0-2.88-.84A4.44,4.44,0,0,0,27.49,23.54Z\"><\/path><\/g><\/g><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\t\t\t\t<h4 class=\"elementor-icon-box-title\">\n\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tLos proveedores deber\u00e1n facilitar informaci\u00f3n relativa a la evoluci\u00f3n de la deuda de forma clara y previa a la contrataci\u00f3n del producto, as\u00ed como su comparaci\u00f3n con el valor estimado de la vivienda en diferentes escenarios de revalorizaci\u00f3n inmobiliaria y el resultado del patrimonio neto de los clientes en diferentes momentos en el tiempo.\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-986519b elementor-position-left elementor-vertical-align-middle elementor-view-default elementor-mobile-position-top elementor-widget elementor-widget-icon-box\" data-id=\"986519b\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon elementor-animation-\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 61.07 61.07\"><defs><style>.cls-1{fill:#73afaf;}<\/style><\/defs><title>CEHI-9<\/title><g id=\"Layer_2\" data-name=\"Layer 2\"><g id=\"Layer_2-2\" data-name=\"Layer 2\"><path class=\"cls-1\" d=\"M30.53,61.07A30.54,30.54,0,1,1,61.07,30.53,30.57,30.57,0,0,1,30.53,61.07ZM30.53,2A28.54,28.54,0,1,0,59.07,30.53,28.56,28.56,0,0,0,30.53,2Z\"><\/path><path class=\"cls-1\" d=\"M37.43,21.63q3,3.23,3,9.28a15.63,15.63,0,0,1-1.61,7.34,10.81,10.81,0,0,1-4.51,4.64,13.87,13.87,0,0,1-6.74,1.59A16.17,16.17,0,0,1,23.71,44a10.41,10.41,0,0,1-3.13-1.28l2.16-4.29a8.09,8.09,0,0,0,4.72,1.26,6.82,6.82,0,0,0,5.07-1.89,7.88,7.88,0,0,0,2-5.45,8.47,8.47,0,0,1-6.26,2.27,9.83,9.83,0,0,1-4.4-1,7.69,7.69,0,0,1-3.13-2.76,7.38,7.38,0,0,1-1.15-4.12,7.87,7.87,0,0,1,1.26-4.43,8.15,8.15,0,0,1,3.44-2.93,11.11,11.11,0,0,1,4.84-1A10.76,10.76,0,0,1,37.43,21.63Zm-4.74,7.6a3.68,3.68,0,0,0,0-5.42,4.69,4.69,0,0,0-3.22-1,4.5,4.5,0,0,0-3,1,3.41,3.41,0,0,0-1.17,2.73,3.49,3.49,0,0,0,1.17,2.76,4.57,4.57,0,0,0,3.11,1A4.51,4.51,0,0,0,32.69,29.23Z\"><\/path><\/g><\/g><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\t\t\t\t<h4 class=\"elementor-icon-box-title\">\n\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tLos proveedores deben asegurarse de que toda la informaci\u00f3n del proveedor a los clientes y el proceso de contrataci\u00f3n se facilite por profesionales competentes y especializados en el producto.\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b6a9219 elementor-position-left elementor-vertical-align-middle elementor-view-default elementor-mobile-position-top elementor-widget elementor-widget-icon-box\" data-id=\"b6a9219\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon elementor-animation-\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 61.07 61.07\"><defs><style>.f828bfe2-2efe-4a46-8e92-d922e320128e{fill:none;stroke:#73afaf;stroke-miterlimit:10;stroke-width:2px;}.a758703c-fbbb-4ac2-a4ba-a0ffa6930d0b{fill:#73afaf;}<\/style><\/defs><title>CEHI-10<\/title><g id=\"adfe9ae0-7183-4694-87d6-b87fa2348ac8\" data-name=\"Layer 2\"><g id=\"a59bbfb9-6fb1-4255-981e-64c635bc6b0c\" data-name=\"Layer 2\"><circle class=\"f828bfe2-2efe-4a46-8e92-d922e320128e\" cx=\"30.53\" cy=\"30.53\" r=\"29.53\"><\/circle><path class=\"a758703c-fbbb-4ac2-a4ba-a0ffa6930d0b\" d=\"M22,18.85v25.2H16.19V23.53h-5V18.85Z\"><\/path><path class=\"a758703c-fbbb-4ac2-a4ba-a0ffa6930d0b\" d=\"M32,42.93a10.38,10.38,0,0,1-3.83-4.48,16.19,16.19,0,0,1-1.39-7,16.2,16.2,0,0,1,1.39-7A10.38,10.38,0,0,1,32,20a10.82,10.82,0,0,1,11.16,0A10.47,10.47,0,0,1,47,24.44a16.35,16.35,0,0,1,1.38,7,16.34,16.34,0,0,1-1.38,7,10.47,10.47,0,0,1-3.84,4.48,10.82,10.82,0,0,1-11.16,0Zm9.2-5.37c.88-1.31,1.31-3.35,1.31-6.11s-.43-4.8-1.31-6.12a4.26,4.26,0,0,0-7.2,0c-.88,1.32-1.31,3.36-1.31,6.12s.43,4.8,1.31,6.11a4.25,4.25,0,0,0,7.2,0Z\"><\/path><\/g><\/g><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\t\t\t\t<h4 class=\"elementor-icon-box-title\">\n\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tLos proveedores suministrar\u00e1n a los clientes un servicio de asesoramiento independiente que garantice la idoneidad del producto ofertado a cada usuario que se acreditar\u00e1 documentalmente.\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7cf94be elementor-widget elementor-widget-image\" data-id=\"7cf94be\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.19.0 - 07-02-2024 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/consejoespanolhi.org\/wp-content\/uploads\/2021\/11\/SELLO2-150x150.jpeg\" class=\"attachment-thumbnail size-thumbnail wp-image-429\" alt=\"\" srcset=\"https:\/\/consejoespanolhi.org\/wp-content\/uploads\/2021\/11\/SELLO2-150x150.jpeg 150w, https:\/\/consejoespanolhi.org\/wp-content\/uploads\/2021\/11\/SELLO2-300x300.jpeg 300w, https:\/\/consejoespanolhi.org\/wp-content\/uploads\/2021\/11\/SELLO2-1024x1024.jpeg 1024w, https:\/\/consejoespanolhi.org\/wp-content\/uploads\/2021\/11\/SELLO2-768x768.jpeg 768w, https:\/\/consejoespanolhi.org\/wp-content\/uploads\/2021\/11\/SELLO2.jpeg 1080w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Est\u00e1ndares de buenas pr\u00e1cticas de hipoteca inversa El Consejo Espa\u00f1ol de Hipoteca Inversa ha establecido unos est\u00e1ndares de calidad que afectan a los productos y a los procedimientos de contrataci\u00f3n que van m\u00e1s all\u00e1 de los establecidos por la Ley con el objetivo de dotar de la m\u00e1xima transparencia y seguridad al mercado de HIs [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"footnotes":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Buenas pr\u00e1cticas hipoteca inversa - Consejo Espa\u00f1ol de Hipoteca Inversa<\/title>\n<meta name=\"description\" content=\"El Consejo Espa\u00f1ol de Hipoteca Inversa ha establecido una serie de est\u00e1ndares que van m\u00e1s all\u00e1 de los establecidos por la Ley.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/consejoespanolhi.org\/buenas-practicas-hipoteca-inversa\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Buenas 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