{"id":1295,"date":"2020-11-02T11:28:43","date_gmt":"2020-11-02T10:28:43","guid":{"rendered":"https:\/\/fincasolle.com\/wordpress\/?p=1295"},"modified":"2023-05-22T12:44:29","modified_gmt":"2023-05-22T12:44:29","slug":"principals-formes-de-financar-un-immoble","status":"publish","type":"post","link":"https:\/\/fincasolle.com\/?p=1295","title":{"rendered":"Principals formes de finan\u00e7ar un immoble"},"content":{"rendered":"<p>Un dels majors dubtes que solen tenir les persones que es decideixen a comprar un habitatge \u00e9s com poden finan\u00e7ar la compra.<\/p>\n<p>Si comptes amb els diners suficients per poder <strong>pagar al comptat<\/strong> aix\u00f2 ja es pot considerar un finan\u00e7ament, sempre que tinguis en compte que comprar un habitatge no nom\u00e9s suposa els diners que et costar\u00e0 l&#8217;immoble sin\u00f3 una s\u00e8rie de despeses de compravenda. Els avantatges de pagar al comptat s\u00f3n, que evidentment no depens d&#8217;una entitat banc\u00e0ria durant els anys del pr\u00e9stec hipotecari i per tant, no pagar\u00e0s interessos ni comissions, per\u00f2 sempre cal pensar que emprar tots els diners en una inversi\u00f3, ens pot deixar sense liquiditat durant algun temps.<\/p>\n<p>El m\u00e9s habitual \u00e9s haver de demanar un <strong>pr\u00e9stec hipotecari<\/strong>, i \u00e9s aqu\u00ed on sorgeixen els dubtes, ja que l&#8217;elecci\u00f3 d&#8217;un tipus d&#8217;hipoteca o un altre dependr\u00e0 de diferents factors com el capital, l&#8217;inter\u00e8s, el termini, les vinculacions i les comissions.<\/p>\n<p>Una de les coses m\u00e9s importants a tenir en compte \u00e9s que les <strong>hipoteques<\/strong> poden ser amb <strong>finan\u00e7ament parcial o amb finan\u00e7ament al 100%.<\/strong> Les primeres s\u00f3n les m\u00e9s habituals, ja que els bancs solen presten nom\u00e9s un 80% del valor de taxaci\u00f3 de l&#8217;immoble. El finan\u00e7ament total sol concedir-la el banc si es compra un habitatge de la seva cartera d&#8217;immobles.<\/p>\n<p>Atenent al <strong>tipus d&#8217;inter\u00e8s<\/strong> les hipoteques es divideixen en:<\/p>\n<ul>\n<li><strong>Hipoteques fixes<\/strong>: amb un tipus d&#8217;inter\u00e8s fix i amb el qual sabr\u00e0s la quota que pagar\u00e0s tots els mesos mentre duri el pr\u00e9stec.<\/li>\n<li><strong>Hipoteques variables<\/strong>: que tenen per una banda un referencial del banc i per un altre un tipus de refer\u00e8ncia, habitualment l&#8217;Euribor, i que fan que aquesta hipoteca vari\u00ef la seva quota mensual, despr\u00e9s de les revisions pertinents que solen ser cada 6 mesos o a l&#8217;any.<\/li>\n<li><strong>Hipoteques mixtes:<\/strong> aqu\u00ed l&#8217;inter\u00e8s t\u00e9 una part fixa que es pacta amb el banc i una variable de l&#8217;Euribor, per tant, \u00e9s una barreja entre les dues hipoteques anteriors.<\/li>\n<\/ul>\n<p>A <strong>Finques Oll\u00e9<\/strong> estem especialitzats en la compravenda d&#8217;immobles i estarem encantats de poder assessorar-la millor finan\u00e7ament per a tu.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Un dels majors dubtes que solen tenir les persones que es decideixen a comprar un habitatge \u00e9s com poden finan\u00e7ar la compra. Si comptes amb els diners suficients per poder pagar al comptat aix\u00f2 ja es pot considerar un finan\u00e7ament, sempre que tinguis en compte que comprar un habitatge no nom\u00e9s suposa els diners que [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":1296,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[],"class_list":["post-1295","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>Principals formes de finan\u00e7ar un immoble - 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\/principals-formes-de-financar-un-immoble\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Principals formes de finan\u00e7ar un immoble - Fincas Oll\u00e9\" \/>\n<meta property=\"og:description\" content=\"Un dels majors dubtes que solen tenir les persones que es decideixen a comprar un habitatge \u00e9s com poden finan\u00e7ar la compra. Si comptes amb els diners suficients per poder pagar al comptat aix\u00f2 ja es pot considerar un finan\u00e7ament, sempre que tinguis en compte que comprar un habitatge no nom\u00e9s suposa els diners que [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/fincasolle.com\/principals-formes-de-financar-un-immoble\/\" \/>\n<meta property=\"og:site_name\" content=\"Fincas Oll\u00e9\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/es-la.facebook.com\/people\/Finques-OLL\/100063718039125\/\" \/>\n<meta property=\"article:published_time\" content=\"2020-11-02T10:28:43+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-05-22T12:44:29+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/fincasolle.com\/wp-content\/uploads\/2020\/10\/6.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1252\" \/>\n\t<meta property=\"og:image:height\" content=\"704\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Olle\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Olle\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/fincasolle.com\/principals-formes-de-financar-un-immoble\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/fincasolle.com\/principals-formes-de-financar-un-immoble\/\"},\"author\":{\"name\":\"Olle\",\"@id\":\"https:\/\/fincasolle.com\/#\/schema\/person\/8b1c1526a65026f7349335fb7419f7e6\"},\"headline\":\"Principals formes de finan\u00e7ar un immoble\",\"datePublished\":\"2020-11-02T10:28:43+00:00\",\"dateModified\":\"2023-05-22T12:44:29+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/fincasolle.com\/principals-formes-de-financar-un-immoble\/\"},\"wordCount\":389,\"publisher\":{\"@id\":\"https:\/\/fincasolle.com\/#organization\"},\"articleSection\":[\"Sin categorizar\"],\"inLanguage\":\"es\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/fincasolle.com\/principals-formes-de-financar-un-immoble\/\",\"url\":\"https:\/\/fincasolle.com\/principals-formes-de-financar-un-immoble\/\",\"name\":\"Principals formes de finan\u00e7ar un immoble - 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