La Ley Orgánica para la Regulación de los Créditos para Vivienda y Vehículos y su incidencia en el Derecho General de Prenda

Abstract

The general law of pledge is establish in our civil code; it is also in all legislation from western world. It has been gotten Roman law influence. It is referenced about unlimited inherited responsibility that the debtor has in front of his creditor when he has an obligation to word him. For this reason the debtor knows, he is down universal principle known who commit oneself, obligate his/her properties” if the debtor had taken on a commitment. The debtor would have known his/her patrimony is entirely obligated.

In base to know in the 2367 art ibidem, the creditor can recover the debtor he doesn’t have any restriction to get the debtor’s payment with all properties of the debtor, present, future properties, but there is an exception exempt property. Remember the patrimony should execute like it was nevertheless, actually this regulation for the validity of the mortgage law. It was changed earlier art ibidem in the sense that neither it will apply “the rest cases expected in the law”. It is the mortgage credits, like whose got to the acquisition of vehicles that were in the last reform for this reason universal principle had been weaken considerably.