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Si us plau utilitzeu sempre aquest identificador per citar o enllaçar aquest document: https://hdl.handle.net/2445/203203
La capacidad crediticia de las comunidades de propietarios en actuaciones de conservación, rehabilitación y mejora energética. Incidencia del RD-Ley 19/2021, de 5 de octubre, y de la Ley de impulso a la rehabilitación 10/2022, de 14 de junio, en el régimen jurídico de la propiedad horizontal.
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[eng] The lack of legal personality of the board of owners in multi-unit buildings to contract external financing and become the debtor of loans for energy improvement (and other maintenance and rehabilitation works) of the building or estate is a barrier that Royal Decree Law 19/2021, 5 October (which was validated following the emergency procedure by Law 10/2022, 14 June) has sought to alleviate by giving the board "full credit capacity" through the amendment of art. 9.5 of the Consolidated Text of the Land Law. On the other hand, the regulation has relaxed the quorum for the adoption of community agreements on energy efficiency and improvement works in buildings. However, more often than not, the common assets will not suffice to cover the loan. Therefore, the owners of private elements will have to take part in the debt recovery proceedings (whether fast-track or not) and in the enforcement of the debt against their privately owned units. The intervention of the individual owners will continue to be necessary in order to register a security interest over the building, since, by contrast to what happens in other legal systems, in the Spanish model the building is nothing more than the private elements that compose it, together with other common elements that cannot be subject to separate encumbrances.
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GONZÁLEZ CARRASCO, Carmen. La capacidad crediticia de las comunidades de propietarios en actuaciones de conservación, rehabilitación y mejora energética. Incidencia del RD-Ley 19/2021, de 5 de octubre, y de la Ley de impulso a la rehabilitación 10/2022, de 14 de junio, en el régimen jurídico de la propiedad horizontal.. [consulta: 2 de desembre de 2025]. [Disponible a: https://hdl.handle.net/2445/203203]