Queens New York Derecho a rescindir cuando se trate de garantía mobiliaria sobre la vivienda principal del consumidor - Rescisión - Right to rescind when security interest in consumer's principal dwelling is involved - Rescission

State:
Multi-State
County:
Queens
Control #:
US-02140BG
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Word
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Description

In a credit transaction in which a security interest is or will be retained or acquired in a consumer's principal dwelling, each consumer whose ownership is or will be subject to the security interest has the right to rescind the transaction. Lenders are required to deliver two copies of the notice of the right to rescind and one copy of the disclosure statement to each consumer entitled to rescind. The notice must be on a separate document that identifies the rescission period on the transaction and must clearly and conspicuously:


" disclose the retention or acquisition of a security interest in the consumer's principal dwelling;

" the consumer's right to rescind the transaction; and

" how the consumer may exercise the right to rescind with a form for that purpose.

Para su conveniencia, debajo del texto en español le brindamos la versión completa de este formulario en inglés. For your convenience, the complete English version of this form is attached below the Spanish version.

How to fill out Queens New York Derecho A Rescindir Cuando Se Trate De Garantía Mobiliaria Sobre La Vivienda Principal Del Consumidor - Rescisión?

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FAQ

A)La garantia mobiliaria se cancela: -Por resolucion judicial, arbitral o administrativa. -Transcurso del plazo de vigencia de la garantia mobiliaria, en cuyo caso no sera necesaria la intervencion del acreedor. -A solicitud expresa del acreedor.

Es un mecanismo que permite a personas naturales y juridicas garantizar el pago de sus obligaciones a traves de bienes muebles, permitiendo a su vez a las entidades financieras y acreedores del sector real ampliar e incrementar el acceso al credito para los empresarios.

Tiempo de duracion De acuerdo con el articulo 73 quarter, de la ley Federal de Proteccion al consumidor y reglamento, si acabas de adquirir una casa nueva, tendras la garantia de que el inmueble estara protegido por un ano a partir de que te sea entregado.

Otorgada la garantia sobre un bien mueble, el deudor tendra la facultad de usarlo, transformarlo, venderlo, permutarlo y alquilarlo, siempre y cuando, la garantia mobiliaria es sin tenencia del acreedor garantizado, y el deudor realice estas actividades en el giro ordinario de sus negocios.

Garantias Mobiliarias es un Servicio Empresarial que busca incrementar el acceso al credito de las empresas, en especial pymes, operara a traves de un sistema de archivo, de acceso publico a la informacion de caracter nacional, teniendo por objeto dar publicidad a traves de Internet, en los terminos de la ley 1676 de

Se presenta a la ventanilla con el operador, entrega su contrasena (la copia del formulario de solicitud de cancelacion) y solicita la entrega de su razon de inscripcion de cancelacion, firma una copia de la razon como constancia de haberla recibido, para el archivo fisico del RGM.

El Registro de Garantias Mobiliarias, tiene como objeto la inscripcion de la constitucion, modificacion, prorroga, extincion y ejecucion de garantias mobiliarias y, consecuentemente, la publicidad de las mismas.

La Ley No. 45-20 sobre Garantias Mobiliarias (Ley 45-20) fue promulga- da el 18 de febrero del ano 2020 con la finalidad de establecer una nor- mativa juridica que fomente el uso de garantias mobiliarias, sobre todo como una herramienta de acceso al credito para las pequenas y media- nas empresas.

G) En el Peru, la ejecucion de garantias mobiliarias es a traves de un proceso judicial, como regla general, pudiendo ser tambien privada y en algunos casos administrativa, segun se trate de la garantia y de su regulacion especial.

En el caso de las garantias, cuando la Administracion considere que se ha cumplido la obligacion garantizada, procedera a solicitar a la Caja la cancelacion de la garantia, haciendole entrega de la Orden de cancelacion de la garantia debidamente cumplimentada y firmada.

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Queens New York Derecho a rescindir cuando se trate de garantía mobiliaria sobre la vivienda principal del consumidor - Rescisión