Cuando se vende una casa a través de un juicio, la hipoteca generalmente sigue siendo válida. Esto significa que el nuevo dueño aún debe pagar lo que se debe en la hipoteca anterior.
Es como si tuvieras un libro prestado de una biblioteca. Aunque lo prestes a un amigo, tú sigues siendo responsable de devolverlo. La hipoteca sigue siendo tuya, incluso si la casa cambia de dueño.
Imagina que Juan tiene una hipoteca en su casa. Si un tribunal decide vender la casa de Juan porque no pagó sus deudas, la hipoteca de Juan no desaparece. El nuevo dueño, Ana, deberá pagar la hipoteca si quiere mantener la casa.
42 Pa.C.S. 8152 - Judicial Sale As Affecting Lien Of Mortgage (a) General rule.--Except as otherwise provided in this section, a judicial or other sale of real estate shall not affect the lien of a mortgage thereon, if the lien of the mortgage is or shall be prior to all other liens upon the same property except: (1) Other mortgages, ground rents and purchase money due the Commonwealth. (2) Taxes, municipal claims and assessments, not at the date of the mortgage duly entered as a lien in the office of the clerk of the court of common pleas. (3) Taxes, municipal claims and assessments whose lien though afterwards accruing has by law priority given it. (b) Property of a decedent, etc.--A judicial sale of the property shall divest the lien of a mortgage to the extent authorized by the court pursuant to the following provisions of Title 20 (relating to decedents, estates and fiduciaries): Section 3353 (relating to order of court). Section 3357 (relating to title of purchaser). (c) Sale on prior lien.--A judicial or other sale of real estate in proceedings under a prior judgment or a prior ground rent, or in foreclosure of a prior mortgage, shall discharge a mortgage later in lien. (d) Unseated lands.--Subsection (a) shall not apply to mortgages upon unseated lands or sales of unseated lands for taxes. Cross References.Section 8152 is referred to in sections 3315, 4315, 5315 of Title 68 (Real and Personal Property). 42 Pa.C.S. 1995 - Amendment 1982 Amendment.Act 326 amended subsecs. (a), (c) and (d), retroactive to June 27, 1978. 42 Pa.C.S. 8302 - Survival Action All causes of action or proceedings, real or personal, shall survive the death of the plaintiff or of the defendant, or the death of one or more joint plaintiffs or defendants. Cross References.Section 8302 is
Tu hipoteca generalmente seguirá siendo válida, lo que significa que el nuevo dueño tendrá que hacerse cargo de ella.
No, la hipoteca no se elimina automáticamente a menos que el tribunal lo autorice específicamente.
Si hay otros gravámenes que tienen prioridad, podrían afectar la hipoteca, pero en general, la hipoteca sigue vigente.
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