Una hipoteca puede usarse no solo para comprar una casa, sino también para cubrir deudas como impuestos. Si no pagas estos costos, el banco puede tomar tu casa para recuperar el dinero que debes.
Es como cuando pides prestado dinero a un amigo para pagar tus cuentas y le prometes que si no puedes devolverle, él podrá quedarse con tu consola de videojuegos como garantía.
Juan compró una casa y también tomó un préstamo para arreglarla. Si no paga los impuestos y las tarifas de mantenimiento, el banco puede reclamar su casa para cubrir esas deudas, porque la hipoteca lo permite.
42 Pa.C.S. 1990 - Amendment § 8144. Mortgages to secure certain advances. In addition to any other indebtedness, a mortgage may secure unpaid balances of advances made, with respect to the mortgaged premises, for the payment of taxes, assessments, maintenance charges, insurance premiums or costs incurred for the protection of the mortgaged premises or the lien of the mortgage, expenses incurred by the mortgagee by reason of default by the mortgagor under the mortgage or advances made under a construction loan to enable completion of the improvements for which the construction loan was originally made, if such mortgage states that it shall secure such unpaid balances. A mortgage complying with this section is a lien on the premises described therein from the time the mortgage is left for record or the time of delivery to the mortgagee of a purchase money mortgage which is recorded within ten days after its date for the full amount of the unpaid balances of such advances that are made under the mortgage, plus interest thereon, regardless of the time when the advances are made. (Oct. 12, 1990, P.L.525, No.126, eff. 60 days) 1990 Amendment. Act 126 added section 8144. Section 2 of Act 126 provided that nothing contained in Act 126 shall be construed to affect the priority of advances made under any mortgage recorded before the effective date of Act 126. 42 Pa.C.S. 2004 - Amendment Saved from Suspension.Pennsylvania Rule of Civil Procedure for District Justices No. 482(7), as amended June 30, 1982, provided that section 8151 shall not be deemed suspended or affected. Rules 401 through 482 relate to execution of judgments for the payment of money rendered by district justices. Act 207 of 2004 changed justices of the peace to magisterial district judges. Rule 483 can now be
Puede cubrir impuestos, tarifas de mantenimiento, seguros y costos por no pagar a tiempo. Es útil para proteger la propiedad y la hipoteca misma.
Si no pagas tus impuestos, el banco puede tomar tu casa para recuperar el dinero que debes, ya que está asegurado por la hipoteca.
Si tienes una hipoteca anterior a esta ley, los cambios no afectarán el orden de prioridad de los préstamos previos.
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