{"id":1719,"date":"2024-09-24T12:43:06","date_gmt":"2024-09-24T10:43:06","guid":{"rendered":"https:\/\/afirmajuridico.com\/?p=1719"},"modified":"2024-09-24T12:43:07","modified_gmt":"2024-09-24T10:43:07","slug":"avalista-en-un-prestamo-bancario-derecho-de-informacion-cirbe","status":"publish","type":"post","link":"https:\/\/afirmajuridico.com\/cat\/avalista-en-un-prestamo-bancario-derecho-de-informacion-cirbe\/","title":{"rendered":"Avalador en un pr\u00e9stec bancari. Dret d'informaci\u00f3. CIRBE"},"content":{"rendered":"<p>L'avalador d'un pr\u00e9stec pot sol\u00b7licitar informaci\u00f3 al banc sobre el deute pendent?<\/p>\n\n\n\n<p>L'avalador en un contracte de pr\u00e9stec s'obliga a pagar el deute del prestatari de forma solid\u00e0ria, cosa que vol dir que el Banc es pot dirigir indistintament al prestatari o a l'avalador per al cobrament del deute.<\/p>\n\n\n\n<p>La regla general, \u00e9s que l&#039;avalador s\u00ed que pot sol\u00b7licitar informaci\u00f3 sobre el deute pendent.  I dic &#039;general&#039; perqu\u00e8 es podria donar el cas (m\u00e9s te\u00f2ric que pr\u00e0ctic) que a la cl\u00e0usula d&#039;aval es limiti l&#039;abast de la informaci\u00f3 que pot sol\u00b7licitar l&#039;avalista a determinats i, tot i aix\u00ed, la cl\u00e0usula nom\u00e9s seria v\u00e0lida si fos clara i transparent. &nbsp;<\/p>\n\n\n\n<p>En tot cas s\u00ed que tindr\u00e0 dret a con\u00e8ixer l&#039;estat del pr\u00e9stec, el deute, amb tot el seu detall en el cas que el pr\u00e9stec no estigui al corrent de pagament, perqu\u00e8 en aquest cas \u00e9s quan l&#039;avalador es pot veure afectat per la reclamaci\u00f3.<\/p>\n\n\n\n<p>En cas que el banc es negu\u00e9s a facilitar la informaci\u00f3 es podria interposar la reclamaci\u00f3 davant del servei d&#039;atenci\u00f3 al client de l&#039;entitat i, si escau, davant del Servei de Reclamacions del Banc d&#039;Espanya, o interposar directament la demanda judicial.<\/p>\n\n\n\n<p>Sense perjudici de l'anterior, l'avalista pot sol\u00b7licitar informaci\u00f3 dels avals que hagi prestat a la Central d'Informaci\u00f3 de Riscos del Banc d'Espanya (CIRBE), a la qual totes les entitats financeres informen sobre els riscos dels clients (i l'avalador sempre ho \u00e9s) per import superior als mil euros.<\/p>","protected":false},"excerpt":{"rendered":"<p>\u00bfPuede el avalista de un pr\u00e9stamo solicitar informaci\u00f3n al banco sobre la deuda pendiente?. El avalista en un contrato de [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":1720,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[11,9,14],"tags":[],"class_list":["post-1719","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-contratacion-mercantil","category-derecho-bancario-financiero-y-de-seguros","category-derechos-de-los-consumidores-y-usuarios"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Avalista en un pr\u00e9stamo bancario. 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