{"id":11918,"date":"2024-02-20T19:38:20","date_gmt":"2024-02-20T18:38:20","guid":{"rendered":"https:\/\/www.rm-assessors.cat\/?p=11918"},"modified":"2024-02-17T11:59:30","modified_gmt":"2024-02-17T10:59:30","slug":"apliqui-l-interes-de-demora-a-les-operacions-comercials","status":"publish","type":"post","link":"https:\/\/www.rm-assessors.cat\/es\/apliqui-l-interes-de-demora-a-les-operacions-comercials\/","title":{"rendered":"Apliqui l’inter\u00e8s de demora a les operacions comercials"},"content":{"rendered":"
En cas d’impagament, la Llei de lluita contra la morositat permet al creditor reclamar interessos de demora. A falta de pacte, l’ inter\u00e8s de demora ser\u00e0 del 12,50% anual durant el primer semestre de 2024.<\/h5>\n
\n

La Llei 3\/2004, de 29 de desembre<\/a><\/em><\/span>, preveu la meritaci\u00f3 d’interessos de demora en els retards en els pagament de deutes. Destaquem:<\/p>\n

En quins casos es pot aplicar aquesta llei ?<\/h3>\n
    \n
  • Ens els pagaments entre empreses.<\/li>\n
  • En els pagaments entre empreses i administracions p\u00fabliques.<\/li>\n<\/ul>\n

    En quins casos NO es pot aplicar aquesta llei ?<\/h3>\n
      \n
    • En els pagaments de operacions en qu\u00e8 intervingui un consumidor<\/span><\/li>\n
    • En els interessos relacionats amb la legislaci\u00f3 en mat\u00e8ria de xecs, pagar\u00e9s i lletres de canvi.<\/span><\/li>\n
    • En els pagaments d’indemnitzacions per danys, inclosos els efectuats per entitats asseguradores<\/span><\/li>\n
    • En els pagaments de deutes sotmesos a procediments concursals.<\/span><\/li>\n<\/ul>\n

      En quin moment es meriten els interessos de demora ?<\/h3>\n

      Els interessos de demora es meriten autom\u00e0ticament pel mer incompliment del pagament en el termini pactat o legalment establert, aix\u00ed que no cal av\u00eds de venciment ni cap intimaci\u00f3 per part del creditor.<\/p>\n

      Quin es el tipus d’inter\u00e8s que haur\u00e0 de pagar el deutor en cas de demora ?<\/h3>\n

      El deutor que hagu\u00e9s incorregut en mora haur\u00e0 de pagar el tipus d’inter\u00e8s que s’hagu\u00e9s fixat en el contracte o, en el seu defecte, el fixat per cada semestre pel Banc Central Europeu m\u00e9s 8 punts. Per tant, en aquest primer semestre de 2024 es del 12,50%.<\/p>\n

      Requisits perqu\u00e8 el creditor pugui exigir els interessos de demora<\/h3>\n
        \n
      1. El creditor ha d’haver complert les seves obligacions contractuals i legals.<\/li>\n
      2. El creditor no ha d’haver rebut a temps la quantitat deguda excepte que el deutor pugui provar que no \u00e9s responsable del retard.<\/li>\n<\/ol>\n

        Pagament parcial del deute<\/h3>\n

        En cas que les parts haguessin pactat calendaris de pagament per a abonaments a terminis, quan algun dels terminis no s’aboni en la data acordada, els interessos i la compensaci\u00f3 previstos en aquesta Llei\u00a0 es calcularan \u00fanicament sobre la base de les quantitats ven\u00e7udes.<\/p>\n

        Tipus de l’inter\u00e8s de demora<\/h3>\n
          \n
        • Inter\u00e8s pactat:<\/strong> L’inter\u00e8s de demora que ha de pagar el deutor ser\u00e0 el que resulti del contracte i, a falta de pacte, el tipus legal que s’estableix en el par\u00e0graf seg\u00fcent.<\/span><\/li>\n
        • Inter\u00e8s a falta de pacte<\/strong>:\u00a0 El tipus legal d’inter\u00e8s de demora aplicable a falta de pacte que el deutor est\u00e0 obligat a pagar ser\u00e0 la suma del tipus d’inter\u00e8s aplicat pel Banc Central Europeu a la seva m\u00e9s recent operaci\u00f3 principal de finan\u00e7ament efectuat abans del primer dia del semestre natural de qu\u00e8 es tracti m\u00e9s <\/span>8 punts percentuals. Es publica semestralment en el BOE i es del 12,50% pel primer semestre de 2024.\u00a0<\/span><\/li>\n<\/ul>\n

          \"\"<\/p>\n

          Som advocats. Consulteu-nos sense comprom\u00eds trucant al 972 208 258, o per correu electr\u00f2nic adre\u00e7at a info@rm-assessors.cat.\u00a0<\/span><\/em><\/h3>\n

           <\/p>\n","protected":false},"excerpt":{"rendered":"

          En cas d’impagament, la Llei de lluita contra la morositat permet al creditor reclamar interessos de demora. A falta de pacte, l’ inter\u00e8s de demora ser\u00e0 del 12,50% anual durant el primer semestre de 2024. La Llei 3\/2004, de 29 de desembre, preveu la meritaci\u00f3 d’interessos de demora en els retards en els pagament de […]<\/p>\n","protected":false},"author":18,"featured_media":1348,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"_joinchat":[],"footnotes":""},"categories":[21,41,17],"tags":[2760,2761,2759],"class_list":["post-11918","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-butlleti-mensual","category-destacats","category-juridica","tag-interes-dels-deutes","tag-interessos-per-morositat","tag-reclamar-interessos-de-de-mora"],"acf":[],"yoast_head":"\nApliqui l'inter\u00e8s de demora a les operacions comercials | RM Assessors<\/title>\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.rm-assessors.cat\/es\/apliqui-l-interes-de-demora-a-les-operacions-comercials\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Apliqui l'inter\u00e8s de demora a les operacions comercials | RM Assessors\" \/>\n<meta property=\"og:description\" content=\"En cas d’impagament, la Llei de lluita contra la morositat permet al creditor reclamar interessos de demora. 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