{"id":121,"date":"2017-04-25T12:08:39","date_gmt":"2017-04-25T12:08:39","guid":{"rendered":"https:\/\/fincasolle.com\/wordpress\/?p=121"},"modified":"2023-05-19T14:35:23","modified_gmt":"2023-05-19T14:35:23","slug":"claves-para-negociar-una-hipoteca","status":"publish","type":"post","link":"https:\/\/fincasolle.com\/?p=121","title":{"rendered":"Claves para negociar una hipoteca"},"content":{"rendered":"<p align=\"justify\"><span style=\"font-size: medium;\">A pesar del repunte de los alquileres en Espa\u00f1a, a\u00fan la mayor\u00eda de los residentes tiende a tomar la decisi\u00f3n de comprar un inmueble por lo que es necesario saber c\u00f3mo llegar al mejor acuerdo sobre las condiciones de un pr\u00e9stamo con el banco. En 2015, de acuerdo a cifras del Instituto Nacional de Estad\u00edstica, 77% de los hogares eran viviendas en propiedad. El a\u00f1o pasado se increment\u00f3 en 14% el n\u00famero de espa\u00f1oles que contrataron una hipoteca.<\/span><\/p>\n<p align=\"justify\"><span style=\"font-size: medium;\">Seg\u00fan un reportaje de <\/span><span style=\"font-size: medium;\"><i>El Pa\u00eds<\/i><\/span><span style=\"font-size: medium;\"> es recomendable tocar la puerta al menos en tres entidades bancarias en b\u00fasqueda de las mejores condiciones para una hipoteca, ya que una vez que las comparas entre s\u00ed podr\u00e1s tomar la mejor decisi\u00f3n, seg\u00fan tus necesidades y posibilidades de pago.<\/span><\/p>\n<p align=\"justify\"><span style=\"font-size: medium;\">Los especialistas en negociaci\u00f3n financiera refieren que lo ideal es acudir en primer lugar a su banco de confianza y luego contratar la informaci\u00f3n que ofrezcan con otras entidades. Tambi\u00e9n es fundamental pensar en el plazo del pr\u00e9stamo y hacer una proyecci\u00f3n de en qu\u00e9 condiciones econ\u00f3micas nos encontraremos para cuando este culmine. <\/span><\/p>\n<p align=\"justify\"><span style=\"font-size: medium;\">Sugieren hacer uso de comparadores en Internet, aunque siempre tomando en cuenta que las cifras y montos que reflejen son una referencia. Una vez que se ponga en contacto con el banco siempre podr\u00e1n introducir nuevas condiciones especiales.<\/span><\/p>\n<p align=\"justify\"><span style=\"font-size: medium;\">Otros especialistas aconsejan buscar primero la hipoteca antes que la vivienda para evitar hacerse expectativas con posibilidades que no est\u00e1n al alcance. <\/span><\/p>\n<p align=\"justify\"><span style=\"font-size: medium;\">Un dato a considerar es que un cliente es m\u00e1s interesante para el banco mientras menor sea el peso de la hipoteca sobre sus ingresos. El Banco de Pagos Internacionales fij\u00f3 en 35% del salario neto del comprador la cuota m\u00e1xima de reembolso de la deuda, con un tipo de inter\u00e9s de entre 4,5% y el 5%.<\/span><\/p>\n<p align=\"justify\">Eventualmente el banco propone al cliente un asesor que le ayude en el proceso de negociaci\u00f3n. Si bien este puede resultar muy \u00fatil, hay que asegurarse de sea realmente un asesor independiente y cuide nuestros intereses.<\/p>\n<p align=\"justify\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-122\" src=\"https:\/\/fincasolle.com\/wp-content\/uploads\/2023\/05\/1_oller-3.png\" alt=\"\" width=\"598\" height=\"371\" \/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>A pesar del repunte de los alquileres en Espa\u00f1a, a\u00fan la mayor\u00eda de los residentes tiende a tomar la decisi\u00f3n de comprar un inmueble por lo que es necesario saber c\u00f3mo llegar al mejor acuerdo sobre las condiciones de un pr\u00e9stamo con el banco. En 2015, de acuerdo a cifras del Instituto Nacional de Estad\u00edstica, [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":2105,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[],"class_list":["post-121","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sin-categorizar"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Claves para negociar una hipoteca - Fincas Oll\u00e9<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fincasolle.com\/claves-para-negociar-una-hipoteca\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Claves para negociar una hipoteca - Fincas Oll\u00e9\" \/>\n<meta property=\"og:description\" content=\"A pesar del repunte de los alquileres en Espa\u00f1a, a\u00fan la mayor\u00eda de los residentes tiende a tomar la decisi\u00f3n de comprar un inmueble por lo que es necesario saber c\u00f3mo llegar al mejor acuerdo sobre las condiciones de un pr\u00e9stamo con el banco. 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