Certificado de Libertad de Gravamen: Qué es, para qué sirve y cómo tramitar

El Gravamen es considerado entre los impuestos más comunes que debe cotizar al hacerse propietario de un inmueble. Este impuesto es un canon que se aplica en caso de haber adquirido una vivienda o propiedad a través de un crédito hipotecario y que deberá cancelarse una vez finalizados los pagos de la hipoteca.

En el universo tributario,  Gravamen es definido como el monto o relación proporcional que se aplica a una base liquidable que genera como resultado la cuota a cancelar sobre un canon que podra ser de utilidad fija o variable.

El Certificado de Libertad de Gravamen o Certificación de Antecedentes Registrales, es un documento que se libra para acreditar que una propiedad carece de deudas y está exenta de cualquier problema de carácter legal. Se destina para propósitos heterogéneos, como certificar ante una autoridad o institución en específico, las condiciones jurídicas de un inmueble determinado.

En este post, se describirá toda la información que necesita conocer acerca del Certificado de Libertad de Gravamen.

ESTO ENCONTRARÁS AQUÍ

En Qué Consiste el Certificado de Libertad de Gravamen

El certificado de libertad de gravamen es un documento que se otorga para demostrar que la propiedad adquirida no tiene deuda alguna y está libre de todo compromiso legal en relacionado con la Hacienda pública o alguna institución financiera. Para el trámite de un crédito hipotecario es un requisito fundamental e indispensable.

Un gravamen consiste entonces en un compromiso, canon o impuesto que se aplica a un inmueble o un bien y al uso que se hace de estos.

Para qué es util el Certificado de Libertad de Gravamen

El Certificado de Libertad de Gravamen se destina para propósitos diversos como la acreditación ante una autoridad o institución la situación jurídica en la que se encuentre dicha  propiedad. Es decir, este documento menciona si el inmueble no tiene inscrita fianza alguna, hipoteca, embargo o algún otro impuesto.

Los bancos o entidades financieras, al momento de gestionar un crédito hipotecario, solicitan al aspirante el Certificado de Libertad de Gravamen, para verificar si el inmueble está libre de gravamen o, si por el contrario, esta gravado.

Es un documento que no se puede obviar. De allí que las instituciones bancarias conozcan muy bien la importancia de este certificado, por lo tanto, sirve para respaldar y  documentar ante las autoridades tanto públicas como privadas, así como ante una institución, el estatus jurídico de una propiedad. Refrenda que esta no posee hipoteca, fianza, embargo u otro gravamen.

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Esta carta es expedida por el Registro Público de la Propiedad y de Comercio. Se encarga de informar y relatar los tributos o deudas pendientes por pagar que tenga una propiedad, o si está libre de ellas.

Como se apunto anteriormente, esta credencial es expedida en los registros públicos de la propiedad, municipales, estatales o federales, de manera presencial. También se puede tramitar desde Internet visitando el portal web del Registro Público de la Propiedad y de Comercio.

Cómo tramitar el Certificado de Libertad de Gravamen

La Asociación Mexicana de Profesionales Inmobiliarios (AMPI) establece que, el certificado de libertad de gravamen es un titulo que se emite para confirmar que la propiedad adquirida no tiene deuda alguna pendiente y está libre de problemas legales con el Ministerio de Hacienda o alguna organización financiera.

Este documento se puede tramitar en la Dirección del Registro Público de la propiedad de la ciudad donde tenga su domicilio. Para certificar su compra y su legalidad, es imprescindible contar con él.

El Gravamen es el impuesto más frecuente que se debe pagar al convertirse en propietario de un inmueble. Este impuesto es un tributo que se aplica cuando se ha adquirido una vivienda mediante un crédito hipotecario, y deberá cancelarse al cumplir con todos los pagos de la hipoteca.

La institución financiera encargada del préstamo, establece una tasa o porcentaje de utilidad. Esta puede ser variable o fija dependiendo de las condiciones del crédito hipotecario. Por lo tanto, este porcentaje dependerá de la entidad financiera que conceda el crédito y para tramitarlo deberá seguir los siguientes consejos:

  1. Incluir el porcentaje de gravamen en el contrato de compraventa de inmueble.
  2. Establecer y precisar el método de adquisición de la vivienda.
  3. Presentar los recaudos exigidos
  4. El contrato de compraventa de inmueble finaliza al ser recibido el documento.

Requisitos para el Certificado de Libertad de Gravamen

  1. Completar y firmar adecuadamente la forma de solicitud.
  2. Establecer el Antecedente Registral, la residencia y el Profesional Registral Autorizado.
  3. Pagar la suma pertinente al antecedente de la inscripción ante el Registro Público de la Propiedad y de Comercio. La cadena de captura se consigue en la página de la Secretaría de Administración y Finanzas.

Este documento tiene una vigencia de carácter variable que puede oscilar aproximadamente entre uno a tres meses o un número determinado de años.

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Documentos requeridos

Los recaudos que se deben presentar para conseguir el certificado de libertad de gravamen una vez confirmado el acuerdo de compraventa del inmueble son los siguientes:   

  • Solicitud de certificación de libertad
  • Documento de pago
  • Nombre del titular de la propiedad y datos de la misma.
  • N° de Folio y antecedentes de registro (solo en caso de ser una propiedad antigua).
  • Cumplir y documentar la cancelación de derechos.
  • La persona autorizada a realizar el trámite deberá presentar alguna credencial de identidad oficial vigente con fotografía (INE, pasaporte, cédula profesional o licencia de manejo).

Quiénes pueden tramitar el Certificado de Libertad de Gravamen

La credencial de Libertad de Gravamen puede ser solicitada por el interesado en adquirirlo como por un representante legal, padre o tutor.  El procedimiento para su tramite será el mismo en ambos casos.

Gravámenes más comunes en México

Tributos Federales

Entre los tributos nacionales básicos, que son una obligación para la mayoría de los contribuyentes mexicanos así como para los residentes extranjeros que realicen una actividad económica dentro del territorio nacional y por supuesto, dependiendo de las actividades que los anteriores practiquen, los impuestos son:

  1. Impuesto Sobre la Renta (ISR)
  2. Impuesto al Valor Agregado (IVA)
  3. Impuesto Especial a la Producción y Servicios (IEPS)
  4. Impuesto a los automóviles nuevos
  5. Impuesto a los Depósitos de dinero en Efectivo (IDE)
  6. Impuesto Empresarial a Tasa Única (IETU)

Tributos estatales

Son los impuestos que se aplican dentro del perímetro de cada estado y solo se circunscriben a estos. Cada estado tienes sus normas tributarias o Leyes de Hacienda específicas y impuestos que cobran en cada uno de ellos. En la mayoría de los Estados de México, los impuestos que se pagan son similares a los del estado de Querétaro:   

  • Impuesto a la adquisición de vehículos de motor o remolques que no sean nuevos.
  • Impuesto a la posesión y uso de vehículos de motor.
  • Impuesto a la prestación de servicios de posada.
  • Impuesto al fomento de la educación pública en el estado para caminos y servicios sociales.
  • Impuesto a las recreaciones y espectáculos públicos.
  • Impuesto a la obtención de ingresos derivados de la organización de loterías, rifas, sorteos, concursos  y carreras.
  • Impuesto a las nóminas.

Tributos municipales

Son los impuestos que se circunscriben a los municipios.  Son tributos en favor de los gobiernos locales, y que cuyo cumplimiento no genera necesariamente una contraprestación directa del Ayuntamiento Municipal  al contribuyente. Algunos de los tributos municipales que se cotizan son:   

  • Impuesto Predial Impuesto a la Obtención de Inmuebles y Transferencia de Dominio
  • Impuesto al Fomento Deportivo y Educacional
  • Impuesto al Fomento Turístico, Desarrollo Integral de la Familia y Promoción de la Cultura
  • Impuesto a la Asistencia a Juegos Permitidos y Espectáculos Públicos
  • Impuesto al Mantenimiento y la Conservación de las Vías Públicas
  • Impuesto al Alumbrado Público
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Costo del Certificado de Libertad de Gravamen

El Certificado de Libertad de Gravamen tiene un costo que varía de acuerdo al lugar donde se gestione. En la Ciudad de México, según su tabulador gubernamental de trámites,  el valor de esta credencial es de 592 pesos si se trata de la modalidad ordinaria, es decir, para entrega en el período normal de tiempo. Ahora si requiere acelerar el proceso de trámite, existe la opción urgente por un costo de mil 185 pesos.

Es necesario señalar que hay estados en México en los cuales el costo es menor y oscila entre los 300 hasta los 480 pesos. De allí la importancia de consultar estos datos según su ubicación geográfica antes de iniciar el trámite. El periodo de entrega generalmente se establece entre 5 a 8 días hábiles, sin embargo, hay  ocasiones en la que su despacho puede durar hasta más de un mes después de la expedición.

Ventajas de tener el Certificado de Libertad de Gravamen

Obtener el Certificado de Libertad de Gravamen tiene múltiples beneficios entre los que podemos enumerar los siguientes:

  1. El contrato de compraventa se puede elaborar, colocando su nombre en el documento de propiedad.
  2. El Certificado de Libertad de Gravamen será necesario cuando desee hipotecar la vivienda.
  3. Es un documento que avala y acredita la liberación de deudas e inconvenientes legales del bien.
  4. Este certificado garantizar el derecho del propietario sobre sus inmuebles, sin ningún tipo de problema o inconvenientes legales que le impida disfrutar plenamente de los mismos.

                                                                     ¡CERTIFIQUE SU PROPIEDAD!

 

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  55. Oddly enough, though, I know of a (very minor) religious group that has “to learn you must suffer” in their liturgy. So there is a certain overlap, some of the time. (Personally, I enjoy most learning. If I’d had to suffer notably to learn my professional skills, I’d have tried a different profession. Note that I am *not* in medicine, as an example with lots of needless suffering. I’m also not in any system prone to hazing newbies.) I have two close relations who joined the military because they had no better prospects, and who had friends who joined or tried to join for similar reasons. I’ve had enough incidental exposure to the military to know that this is not all that uncommon. The book doesn’t present it that way, but again, the book stacks the deck. Nothing about it is plausible on a social level. Even an army where “everyone fights” would plainly not work. You’d be getting critical support personnel shot to bits in every fight.
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