Código del Mercado Bancario

Código del Mercado Bancario

          
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About the Book

"Si lo desea, puede subrogarse la hipoteca, carece de suelo, pero debe aportar al menos un avalista. Tiene la posibilidad de hacer amortizaciones parciales sin ninguna comisión y podemos incluir sin penalización un periodo de carencia." Son conceptos que a menudo utilizan los empleados del banco cuando un cliente solicita financiación para comprar una vivienda. De manera similar se expresan al aportar datos sobre la concesión de créditos o la apertura de depósitos. Aunque su intención es que los usuarios estén bien informados de qué firman para que decidan con libertad al contratar un producto u otro, muchas veces estos términos no se comprenden y los ciudadanos, pasado un tiempo, reciben desagradables sorpresasEl libro incorpora las siguientes normativas: Ley 2/1962, de 14 de abril, sobre bases de ordenación del crédito y de la Banca. Ley 10/2014, de 26 de junio, de ordenación, supervisión y solvencia de entidades de crédito. Real Decreto 84/2015, de 13 de febrero, por el que se desarrolla la Ley 10/2014, de 26 de junio, de ordenación, supervisión y solvencia de entidades de crédito. Ley 13/1994, de 1 de junio, de Autonomía del Banco de España. Ley 5/2005, de 22 de abril, de supervisión de los conglomerados financieros y por la que se modifican otras leyes del sector financiero. Real Decreto 2119/1993, de 3 diciembre, sobre el procedimiento sancionador aplicable a los sujetos que actúan en los mercados financieros. Real Decreto 692/1996, de 26 de abril, sobre el régimen jurídico de los establecimientos financieros de crédito. Ley 22/2007, de 11 de julio, sobre comercialización a distancia de servicios financieros destinados a los consumidores. Ley 2/2009, de 31 de marzo, por la que se regula la contratación con los consumidores de préstamos o créditos hipotecarios y de servicios de intermediación para la celebración de contratos de préstamo o crédito. Ley de 23 de julio de 1908 sobre nulidad de los contratos de préstamos usurarios. Real Decreto 1530/1989, de 15 de diciembre, por el que se habilita al Ministro de Economía y Hacienda a desarrollar la normativa en materia de coeficiente de recursos propios y se aplica el régimen de coeficiente de caja a las Sociedades de Arrendamientos Financieros. Orden EHA/1718/2010, de 11 de junio, de regulación y control de la publicidad de los servicios y productos bancarios. Orden ECO/734/2004, de 11 de marzo, sobre los departamentos y servicios de atención al cliente y el defensor del cliente de las entidades financieras. Circular 5/2012, de 27 de junio, del Banco de España, a entidades de crédito y proveedores de servicios de pago, sobre transparencia de los servicios bancarios y responsabilidad en la concesión de préstamos. Circular 6/2010, de 28 de septiembre, del Banco de España, a entidades de crédito y entidades de pago, sobre publicidad de los servicios y productos bancarios. Ley 2/1981, de 25 de marzo, de regulación del mercado hipotecario. Ley 2/1994, de 30 de marzo, sobre subrogación y modificación de préstamos hipotecarios. Real Decreto-ley 27/2012, de 15 de noviembre, de medidas urgentes para reforzar la protección a los deudores hipotecarios. Real Decreto 716/2009, de 24 de abril, por el que se desarrollan determinados aspectos de la Ley 2/1981, de 25 de marzo, de regulación del mercado hipotecario y otras normas del sistema hipotecario y financiero. Circular 7/2010, de 30 de noviembre, del Banco de España, a entidades de crédito, sobre desarrollo de determinados aspectos del mercado hipotecario.


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Product Details
  • ISBN-13: 9781796368123
  • Publisher: Independently Published
  • Publisher Imprint: Independently Published
  • Height: 229 mm
  • No of Pages: 750
  • Spine Width: 42 mm
  • Width: 152 mm
  • ISBN-10: 1796368121
  • Publisher Date: 07 Feb 2019
  • Binding: Paperback
  • Language: Spanish
  • Returnable: N
  • Weight: 1078 gr


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