Acquistare una nuova casa senza chiedere il mutuo in banca?

casaAcquistare una nuova casa senza chiedere il mutuo in banca? Si può, grazie a quella che viene definita vendita con riserva di proprietà, altrimenti conosciuta come patto di riservato dominio.
Questo particolare tipo ti contratto, disciplinato dall’articolo 1523 del Codice Civile, consente all’acquirente di prendere subito possesso dell’immobile, che sulla carta rimane al venditore fino a quando l’inquilino non avrà ultimato il pagamento dell’intera somma pattuita inizialmente, che viene rateizzata nel tempo.
Se alla scadenza dei pagamenti l’acquirente non ha provveduto a saldare per intero la cifra stabilita, il venditore può rientrare in possesso dell’abitazione tramite la semplice richiesta di ‘risoluzione del contratto’, indipendentemente dalla somma versata dall’acquirente fino a quel momento.
Ad ogni modo, se l’acquirente non onora il contratto il venditore è tenuto a restituire i soldi incassati trattenendo l’equivalente dell’affitto non percepito (articolo 1526 del Codice Civile) ed eventualmente anche un indennizzo per i danni subiti.
Se l’acquirente ha mancato di versare una sola rata il venditore non può chiedere la risoluzione del contratto, a meno che questa rata non superi 1/8 del prezzo di vendita pattuito tra le due parti.

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71.452 comments to “Acquistare una nuova casa senza chiedere il mutuo in banca?”
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