{"id":6656,"date":"2021-10-14T10:51:01","date_gmt":"2021-10-14T10:51:01","guid":{"rendered":"https:\/\/www.top5credits.com\/es\/?p=6656"},"modified":"2023-01-19T20:41:22","modified_gmt":"2023-01-19T20:41:22","slug":"que-es-un-credito-refaccionario","status":"publish","type":"post","link":"https:\/\/www.top5credits.com\/es\/articulos\/que-es-un-credito-refaccionario\/","title":{"rendered":"\u00bfQu\u00e9 es un cr\u00e9dito refaccionario?"},"content":{"rendered":"\n<p>Un <strong>cr\u00e9dito refaccionario<\/strong> es una manera en la que un inversor puede<strong> financiar las obras de rehabilitazi\u00f3n<\/strong> o reforma de un inmueble.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Tabla de Contenidos<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"#toclink1\"><strong>Definici\u00f3n de cr\u00e9dito refaccionario<\/strong><\/a><\/li>\n\n\n\n<li><a style=\"font-size: 1rem\" href=\"#toclink3\"><strong>Diferencias con otros pr\u00e9stamos<\/strong><\/a><\/li>\n\n\n\n<li><a style=\"font-size: 1rem\" href=\"#toclink2\"><strong>C\u00f3mo acceder a cr\u00e9ditos refaccionarios<\/strong><\/a><\/li>\n\n\n\n<li><a style=\"font-size: 1rem\" href=\"#toclink4\"><strong>Preguntas y Respuestas<\/strong><\/a><\/li>\n<\/ul>\n\n\n\n<h2 id=\"toclink1\">Definici\u00f3n de cr\u00e9dito refaccionario<\/h2>\n\n\n\n<p>La palabra <strong>refaccionario<\/strong>, seg\u00fan el Diccionario de la Real Academia de la Lengua Espa\u00f1ola, como el <em>\u201cdinero invertido en fabricar o reparar una cosa\u201d<\/em>.<\/p>\n\n\n\n<p>Entonces, <strong>\u00bfQu\u00e9 es un cr\u00e9dito refaccionario?<\/strong> Podr\u00edamos pensar que simplemente se trata de un pr\u00e9stamo que se otorga para reformar una vivienda o fabricar algo. Pero no es tan sencillo.<\/p>\n\n\n\n<p>Los cr\u00e9ditos refaccionarios <strong>son m\u00e1s una herramienta de inversi\u00f3n<\/strong> que un cr\u00e9dito normal. Un inversor puede otorgar este tipo de pr\u00e9stamo a un promotor inmobiliario para que realice las obras pertinentes. Es un cr\u00e9dito regulado, al considerarse \u00ab<strong>pr\u00e9stamo privilegiado<\/strong>\u00ab, y ha de ser registrado en el<strong> Registro de la Vivienda<\/strong>.<\/p>\n\n\n\n<p>No s\u00f3lo eso; el acreedor <strong>ha de recibir pruebas y justificantes del uso del dinero<\/strong> exclusivamente para las obras requeridas. Toda la legislaci\u00f3n la podr\u00e1s encontrar en el <strong><a href=\"https:\/\/www.boe.es\/buscar\/act.php?id=BOE-A-1889-4763\">C\u00f3digo civil,\u00a0art\u00edculos 1.923 y 1.927<\/a>.<\/strong><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/cdn.top5credits.com\/es\/wp-content\/uploads\/sites\/8\/2021\/10\/credito-refraccionario-1024x683.jpg?cdn=1.1.1\" alt=\"definici\u00f3n de cr\u00e9dito refraccionario\" class=\"wp-image-6660\" srcset=\"https:\/\/cdn.top5credits.com\/es\/wp-content\/uploads\/sites\/8\/2021\/10\/credito-refraccionario-1024x683.jpg?cdn=1.1.1 1024w, https:\/\/cdn.top5credits.com\/es\/wp-content\/uploads\/sites\/8\/2021\/10\/credito-refraccionario-300x200.jpg?cdn=1.1.1 300w, https:\/\/cdn.top5credits.com\/es\/wp-content\/uploads\/sites\/8\/2021\/10\/credito-refraccionario-768x512.jpg?cdn=1.1.1 768w, https:\/\/cdn.top5credits.com\/es\/wp-content\/uploads\/sites\/8\/2021\/10\/credito-refraccionario.jpg?cdn=1.1.1 1254w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Un cr\u00e9dito refaccionario se trata de un pr\u00e9stamo que el acreedor refacionario concede con el objeto de realizar una obra o rehabilitaci\u00f3n de un inmueble.<\/figcaption><\/figure>\n<\/div>\n\n\n<h2 id=\"toclink5\">Diferencias con otros pr\u00e9stamos<\/h2>\n\n\n\n<p>La principal diferencia entre \u00e9ste y otros pr\u00e9stamos es su estatus de <strong>pr\u00e9stamo privilegiado<\/strong>.<\/p>\n\n\n\n<p>Para empezar, los pr\u00e9stamos privilegiados no se otorgan a particulares, si no que son <strong>herramientas de inversi\u00f3n<\/strong>. Este tipo de cr\u00e9ditos, en primer lugar, tienen que ser <strong>devueltos de manera prioritaria<\/strong>. Tambi\u00e9n son otorgados mediante<strong> concurso de acreedores,<\/strong> no mediante libre elecci\u00f3n.<\/p>\n\n\n\n\n\n<p>Por otro lado, estos pr\u00e9stamos no son otorgados a particulares. Se tratan, como decimos, de obras, ya sean p\u00fablicas o privadas, efectuadas por promotoras. Por ello, has de diferenciarlos de los<strong> pr\u00e9stamos para reformas<\/strong>.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"498\" src=\"https:\/\/cdn.top5credits.com\/es\/wp-content\/uploads\/sites\/8\/2021\/10\/prestamo-obra-1024x498.jpg?cdn=1.1.1\" alt=\"obras cr\u00e9dito refraccionario\" class=\"wp-image-6661\" srcset=\"https:\/\/cdn.top5credits.com\/es\/wp-content\/uploads\/sites\/8\/2021\/10\/prestamo-obra-1024x498.jpg?cdn=1.1.1 1024w, https:\/\/cdn.top5credits.com\/es\/wp-content\/uploads\/sites\/8\/2021\/10\/prestamo-obra-300x146.jpg?cdn=1.1.1 300w, https:\/\/cdn.top5credits.com\/es\/wp-content\/uploads\/sites\/8\/2021\/10\/prestamo-obra-768x374.jpg?cdn=1.1.1 768w, https:\/\/cdn.top5credits.com\/es\/wp-content\/uploads\/sites\/8\/2021\/10\/prestamo-obra.jpg?cdn=1.1.1 1468w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Los pr\u00e9stamos reraccionarios son concedidos en su mayor parte por entidades que esperan enriquecerse con las mejoras de la obra.<\/figcaption><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"toclink3\">C\u00f3mo acceder a cr\u00e9ditos refaccionarios<\/h2>\n\n\n\n<p>Como indicamos en el punto anterior, lamentablemente, <strong>un cr\u00e9dto refaccionario no est\u00e1 disponible para reformas individuales<\/strong>. No obstante, puedes hablar con tu inmobiliaria para que tome uno si consideras que tu vivienda necesita una reforma. No obstante, no es com\u00fan que suceda.<\/p>\n\n\n\n<p>Otra opci\u00f3n, si es tu propia vivienda, es recurrir a un<a href=\"https:\/\/www.top5credits.com\/es\/prestamo-reforma\/\"> <\/a><strong><a href=\"https:\/\/www.top5credits.com\/es\/prestamo-reforma\/\">pr\u00e9stamo por reforma<\/a>. <\/strong><\/p>\n\n\n\n<p>Este tipo de cr\u00e9ditos se caracterizan por entregar sumas de dinero bastante generosas a un inter\u00e9s razonable. Esto puede hacerse debido a que la posesi\u00f3n de una vivienda indica una cierta <strong>solvencia econ\u00f3mica<\/strong>.<\/p>\n\n\n\n<p>De hecho, si estamos en <a href=\"https:\/\/www.top5credits.com\/es\/glosario\/asnef\/\">ASNEF<\/a>, incluso podr\u00edamos optar a un <a href=\"https:\/\/www.top5credits.com\/es\/glosario\/prestamos-con-garantia\/\"><strong>pr\u00e9stamo de garant\u00eda hipotecaria<\/strong><\/a>, en la cual nuestra vivienda ser\u00e1 el aval.<\/p>\n\n\n\n<p>Por supuesto, como con cualquier cr\u00e9dito,<strong> este tipo de pr\u00e9stamo deber\u00e1 tomarse con cautela <\/strong>y s\u00f3lo si sabemos que podremos devolverlo.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"690\" src=\"https:\/\/cdn.top5credits.com\/es\/wp-content\/uploads\/sites\/8\/2021\/10\/prestamo-reforma-1024x690.jpg?cdn=1.1.1\" alt=\"pr\u00e9stamo obras\" class=\"wp-image-6662\" srcset=\"https:\/\/cdn.top5credits.com\/es\/wp-content\/uploads\/sites\/8\/2021\/10\/prestamo-reforma-1024x690.jpg?cdn=1.1.1 1024w, https:\/\/cdn.top5credits.com\/es\/wp-content\/uploads\/sites\/8\/2021\/10\/prestamo-reforma-300x202.jpg?cdn=1.1.1 300w, https:\/\/cdn.top5credits.com\/es\/wp-content\/uploads\/sites\/8\/2021\/10\/prestamo-reforma-768x518.jpg?cdn=1.1.1 768w, https:\/\/cdn.top5credits.com\/es\/wp-content\/uploads\/sites\/8\/2021\/10\/prestamo-reforma.jpg?cdn=1.1.1 1248w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Como particular, la mejor manera de realizar una reforma es pedir un pr\u00e9stamo de reformas.<\/figcaption><\/figure>\n<\/div>\n\n\n<h2 id=\"toclink4\">Preguntas y Respuestas<\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1604323242315\"><strong class=\"schema-faq-question\">\u00bfQu\u00e9 es un cr\u00e9dito refaccionario?<\/strong> <p class=\"schema-faq-answer\">Un cr\u00e9dito refaccionario es un cr\u00e9dito cuyo cometido es la rehabilitazi\u00f3n o reforma de un inmueble, ya sea para la obra de nueva vivienda o local o reforma del mismo. <\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1604323246138\"><strong class=\"schema-faq-question\">\u00bfQu\u00e9 bienes se pueden financiar con un cr\u00e9dito refaccionario?<\/strong> <p class=\"schema-faq-answer\">Se pueden financiar bienes inmuebles, as\u00ed como <\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1604323247833\"><strong class=\"schema-faq-question\">\u00bfQui\u00e9n ofrece el cr\u00e9dito refaccionario?<\/strong> <p class=\"schema-faq-answer\">Los cr\u00e9ditos refaccionarios son otorgados por entidades que invierten en el bien a reformar o rehabilitar, sin tener que ser financieras o bancos.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1604323248636\"><strong class=\"schema-faq-question\">\u00bfC\u00f3mo se registra un cr\u00e9dito refaccionario?<\/strong> <p class=\"schema-faq-answer\">El acreedor refaccionario es quien tendr\u00e1 que efectuar el registro del mismo en el Registro de la Propiedad, tras un juicio pericial.<\/p> <\/div> <\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Un cr\u00e9dito refaccionario es una manera en la que un inversor puede financiar las obras de rehabilitazi\u00f3n o reforma de un inmueble. Tabla de Contenidos<\/p>\n<p class=\"more-link\">Seguir leyendo <span class=\"screen-reader-text\">\u00bfQu\u00e9 es un cr\u00e9dito refaccionario?<\/span><\/p>\n","protected":false},"author":13,"featured_media":6659,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"page-artikkeli.php","format":"standard","meta":{"footnotes":""},"categories":[18],"tags":[],"class_list":["post-6656","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articulos","entry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u00bfQu\u00e9 es un cr\u00e9dito refaccionario? - Top5Credits.com<\/title>\n<meta name=\"description\" content=\"Un cr\u00e9dito refaccionario es un pr\u00e9stamo cuyo objetivo es rehabilitar o reformar una vivienda nueva o antigua, revaloriz\u00e1dola.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.top5credits.com\/es\/articulos\/que-es-un-credito-refaccionario\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u00bfQu\u00e9 es un cr\u00e9dito refaccionario? 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