{"id":6698,"date":"2025-09-10T00:00:00","date_gmt":"2025-09-10T00:00:00","guid":{"rendered":"https:\/\/www.contem.es\/negocie-la-fianza\/"},"modified":"2025-09-10T00:00:00","modified_gmt":"2025-09-10T00:00:00","slug":"negocie-la-fianza","status":"publish","type":"post","link":"https:\/\/www.contem.es\/es\/negocie-la-fianza\/","title":{"rendered":"Negocie la fianza"},"content":{"rendered":"<p>Si el banco condiciona la financiaci\u00f3n de su SL al hecho de que los socios la avalen, intente al menos negociar las condiciones de ese afianzamiento:\u00a0<\/p>\n<ul>\n<li>No renuncie a los beneficios de divisi\u00f3n y excusi\u00f3n. Con esa renuncia, el banco puede reclamar a cualquiera de los fiadores el total de lo debido (renuncia al principio de divisi\u00f3n) y sin necesidad de acreditar que ha perseguido previamente \u2013y sin \u00e9xito\u2013 el patrimonio de la SL (renuncia al beneficio de excusi\u00f3n).<\/li>\n<li>Si no renuncian a estos derechos, el banco s\u00f3lo podr\u00e1 reclamar a cada cofiador la parte proporcional que le corresponda, y deber\u00e1 acreditar tambi\u00e9n que ha \u201cperseguido\u201d los bienes de la SL y que \u00e9sta no tiene patrimonio suficiente para pagar la deuda.<\/li>\n<\/ul>\n<p>Pueden, incluso, negociar que en lugar de que todos los cofiadores respondan a partes iguales, respondan en porcentajes distintos entre ellos. Por ejemplo, uno afianza el 25% de la deuda y el otro el 75% restante, o incluso que la fianza global s\u00f3lo alcance una parte de la totalidad de la deuda.<\/p>\n<p>\u00a0<\/p>\n<p> Negocie las condiciones de la fianza para que sea lo menos gravosa posible para los fiadores. Nuestros profesionales pueden asesorarle en esta materia.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Si el banco condiciona la financiaci&oacute;n de su SL al hecho de que los socios la avalen, intente al menos negociar las condiciones de ese afianzamiento:&nbsp; No renuncie a los beneficios de divisi&oacute;n y excusi&oacute;n. Con esa renuncia, el banco puede reclamar a cualquiera de los fiadores el total de lo debido (renuncia al principio [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":6699,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[93],"tags":[],"class_list":["post-6698","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mercantil"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Negocie la fianza | Contem 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.contem.es\/es\/negocie-la-fianza\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Negocie la fianza | Contem Assessors\" \/>\n<meta property=\"og:description\" content=\"Si el banco condiciona la financiaci&oacute;n de su SL al hecho de que los socios la avalen, intente al menos negociar las condiciones de ese afianzamiento:&nbsp; No renuncie a los beneficios de divisi&oacute;n y excusi&oacute;n. 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