{"id":1522,"date":"2021-10-18T10:00:00","date_gmt":"2021-10-18T09:00:00","guid":{"rendered":"https:\/\/fincasolle.com\/wordpress\/?p=1522"},"modified":"2023-05-22T12:44:02","modified_gmt":"2023-05-22T12:44:02","slug":"en-que-consiste-una-subrogacion-hipotecaria","status":"publish","type":"post","link":"https:\/\/fincasolle.com\/?p=1522","title":{"rendered":"\u00bfEn qu\u00e9 consiste una subrogaci\u00f3n hipotecaria?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Cuando nos decidimos a comprar un inmueble y no contamos con financiaci\u00f3n suficiente, es muy habitual solicitar un pr\u00e9stamo hipotecario para convertirnos en propietarios, sin embargo, las condiciones que podemos pactar en ese momento no necesariamente tienen que ser para siempre.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La subrogaci\u00f3n hipotecaria es un concepto que sirve precisamente para poder mejorar las condiciones de un pr\u00e9stamo.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En <strong>Finques Oll\u00e9 <\/strong>te explicamos en qu\u00e9 consiste una subrogaci\u00f3n hipotecaria.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La subrogaci\u00f3n hipotecaria supone una modificaci\u00f3n en el contrato del pr\u00e9stamo hipotecario de alguna de las partes implicadas, y se pueden dar los siguientes supuestos:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Un cambio de titular de la hipoteca, que es lo que suele ocurrir si compramos una vivienda hipotecada.<\/li><li>Una mejora de las condiciones financieras, si nos decidimos a cambiar de entidad bancaria, como por ejemplo: reducir el tipo de inter\u00e9s y las comisiones, ajustar los plazos de amortizaci\u00f3n o eliminar algunos de los productos vinculados, incluyendo cl\u00e1usulas abusivas.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">En principio, sale mucho m\u00e1s rentable realizar la subrogaci\u00f3n hipotecaria durante los primeros a\u00f1os del pr\u00e9stamo, ya que se est\u00e1n pagando m\u00e1s intereses que amortizaci\u00f3n de capital o en el caso de comprar un inmueble que a\u00fan est\u00e9 hipotecado.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00bfPor qu\u00e9 no cancelar el pr\u00e9stamo?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cuando se realiza una subrogaci\u00f3n, se sigue manteniendo el pr\u00e9stamo que se firm\u00f3 en su momento en t\u00e9rminos de antig\u00fcedad y de condiciones, con la diferencia de cambiar de entidad, sin embargo, con la cancelaci\u00f3n se realizar\u00eda un nuevo pr\u00e9stamo en el que se pueden renegociar todas las condiciones pero tambi\u00e9n supone m\u00e1s costes para el cliente.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Por eso, resulta m\u00e1s recomendable realizar una subrogaci\u00f3n que una cancelaci\u00f3n, sobre todo, en los primeros a\u00f1os del pr\u00e9stamo.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">No obstante, y antes de decidirnos a realizar una subrogaci\u00f3n hipotecaria en otra entidad bancaria, lo mejor es informarnos de todas las condiciones y los gastos que conlleva esa subrogaci\u00f3n para comprobar que tomamos la decisi\u00f3n correcta.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Cuando nos decidimos a comprar un inmueble y no contamos con financiaci\u00f3n suficiente, es muy habitual solicitar un pr\u00e9stamo hipotecario para convertirnos en propietarios, sin embargo, las condiciones que podemos pactar en ese momento no necesariamente tienen que ser para siempre. La subrogaci\u00f3n hipotecaria es un concepto que sirve precisamente para poder mejorar las condiciones [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":1523,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[],"class_list":["post-1522","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>\u00bfEn qu\u00e9 consiste una subrogaci\u00f3n hipotecaria? - 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\/en-que-consiste-una-subrogacion-hipotecaria\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u00bfEn qu\u00e9 consiste una subrogaci\u00f3n hipotecaria? - Fincas Oll\u00e9\" \/>\n<meta property=\"og:description\" content=\"Cuando nos decidimos a comprar un inmueble y no contamos con financiaci\u00f3n suficiente, es muy habitual solicitar un pr\u00e9stamo hipotecario para convertirnos en propietarios, sin embargo, las condiciones que podemos pactar en ese momento no necesariamente tienen que ser para siempre. La subrogaci\u00f3n hipotecaria es un concepto que sirve precisamente para poder mejorar las condiciones [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/fincasolle.com\/en-que-consiste-una-subrogacion-hipotecaria\/\" \/>\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=\"2021-10-18T09:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-05-22T12:44:02+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/fincasolle.com\/wp-content\/uploads\/2021\/10\/5.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1254\" \/>\n\t<meta property=\"og:image:height\" content=\"836\" \/>\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\/en-que-consiste-una-subrogacion-hipotecaria\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/fincasolle.com\/en-que-consiste-una-subrogacion-hipotecaria\/\"},\"author\":{\"name\":\"Olle\",\"@id\":\"https:\/\/fincasolle.com\/#\/schema\/person\/8b1c1526a65026f7349335fb7419f7e6\"},\"headline\":\"\u00bfEn qu\u00e9 consiste una subrogaci\u00f3n hipotecaria?\",\"datePublished\":\"2021-10-18T09:00:00+00:00\",\"dateModified\":\"2023-05-22T12:44:02+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/fincasolle.com\/en-que-consiste-una-subrogacion-hipotecaria\/\"},\"wordCount\":354,\"publisher\":{\"@id\":\"https:\/\/fincasolle.com\/#organization\"},\"articleSection\":[\"Sin categorizar\"],\"inLanguage\":\"es\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/fincasolle.com\/en-que-consiste-una-subrogacion-hipotecaria\/\",\"url\":\"https:\/\/fincasolle.com\/en-que-consiste-una-subrogacion-hipotecaria\/\",\"name\":\"\u00bfEn qu\u00e9 consiste una subrogaci\u00f3n hipotecaria? 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