¿Que es una hipoteca en Costa Rica?
Una hipoteca es una forma de financiación inmobiliaria consistente en otorgar un préstamo condicionado al derecho real de propiedad sobre el bien hipotecado. El prestamista puede percibir el pago periodicamente como capital e intereses hasta cancelar el total del préstamo.
Cuando el deudor no paga a tiempo el acreedor puede irse en contra de esa propiedad hipotecada, por medio de un remate judicial, un remate de hipoteca es un procedimiento judicial donde se venden los bienes inmuebles hipotecados con fines de satisfacer las deudas impagadas por parte del deudor. Este proceso puede finalizarse mediante subasta pública. Sin embargo, si nadie quiere comprarlo, el inmueble puede vulver al propietario original.
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