{"id":238,"date":"2017-09-18T23:52:03","date_gmt":"2017-09-18T23:52:03","guid":{"rendered":"https:\/\/fincasolle.com\/wordpress\/?p=238"},"modified":"2023-05-19T14:35:36","modified_gmt":"2023-05-19T14:35:36","slug":"lo-que-debes-saber-si-vas-a-solicitar-una-hipoteca","status":"publish","type":"post","link":"https:\/\/fincasolle.com\/?p=238","title":{"rendered":"Lo que debes saber si vas a solicitar una hipoteca"},"content":{"rendered":"<p><span style=\"font-size: medium;\">Ahora que el mercado inmobiliario ha repuntado y que la compra de viviendas tiende a incrementarse, muchas personas se preguntan qu\u00e9 tipo de inter\u00e9s resulta m\u00e1s conveniente al momento de pedir una hipoteca. Aqu\u00ed aportamos algunos datos que pueden ayudarte con tu decisi\u00f3n.<\/span><\/p>\n<p><span style=\"font-size: medium;\"><b>Tipo de inter\u00e9s fijo<\/b><\/span><\/p>\n<p><span style=\"font-size: medium;\">Entre los argumentos de quienes se inclinan por este tipo de inter\u00e9s se encuentran:<\/span><\/p>\n<p><a name=\"_GoBack\"><\/a> <span style=\"font-size: medium;\">1.- La media del Eur\u00edbor, desde su creaci\u00f3n, ha sido de 2,51%, por lo que, aunque ahora se encuentre por debajo de 1% (aproximadamente en 0,159%), <\/span><span style=\"font-size: medium;\"><b>su tendencia parece ser de subir a largo plazo<\/b><\/span><span style=\"font-size: medium;\">.<\/span><\/p>\n<p><span style=\"font-size: medium;\">2.- Quienes recomiendan optar por este tipo de inter\u00e9s advierten que <\/span><span style=\"font-size: medium;\"><b>no debe negociarse por encima de 3%<\/b><\/span><span style=\"font-size: medium;\">, incluso puede conseguirse por debajo de 2% pagadero en 15 a\u00f1os.<\/span><\/p>\n<p><span style=\"font-size: medium;\">3.- La principal ventaja de este tipo de inter\u00e9s es la tranquilidad de saber que <\/span><span style=\"font-size: medium;\"><b>se pagar\u00e1 lo mismo desde el principio hasta el final<\/b><\/span><span style=\"font-size: medium;\"> y en el camino no habr\u00e1 sorpresas desagradables.<\/span><\/p>\n<p><span style=\"font-size: medium;\"><b>Tipo de inter\u00e9s variable<\/b><\/span><\/p>\n<p><span style=\"font-size: medium;\">1.- Es la m\u00e1s atractiva en estos momentos tras caer el Eur\u00edbor en niveles negativos.<\/span><\/p>\n<p><span style=\"font-size: medium;\">2.- Resulta la m\u00e1s recomendable si se pide una hipoteca a corto plazo.<\/span><\/p>\n<p><span style=\"font-size: medium;\">3.- Puede negociarse una \u201ccl\u00e1usula techo\u201d que te proteja contra alzas imprevistas.<\/span><\/p>\n<p><span style=\"font-size: medium;\">4.- Con este tipo de inter\u00e9s hay que tener en cuenta que mientras m\u00e1s bajo sea el diferencial, mayores ser\u00e1n las condiciones que imponga la entidad bancaria.<\/span><\/p>\n<p><span style=\"font-size: medium;\"><b>Tipo mixto<\/b><\/span><\/p>\n<p><span style=\"font-size: medium;\">Este es el tipo de hipoteca que <\/span><span style=\"font-size: medium;\"><b>combina dos tipos de intereses: variable y fijo<\/b><\/span><span style=\"font-size: medium;\">. Estas ofrecen un tipo de inter\u00e9s fijo durante los primeros diez a\u00f1os calculado entre 1,3 y 2,25%. Pasado ese tiempo se comienza a pagar con tipo de inter\u00e9s variable. Hay que precisar que con este tipo de hipoteca el comprador <\/span><span style=\"font-size: medium;\"><b>no se beneficia durante los primeros a\u00f1os de los niveles negativos del Eur\u00edbor<\/b><\/span><span style=\"font-size: medium;\">, tal y como ocurre en la actualidad.<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-239\" src=\"https:\/\/fincasolle.com\/wp-content\/uploads\/2023\/05\/1-4.png\" alt=\"\" width=\"674\" height=\"725\" \/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ahora que el mercado inmobiliario ha repuntado y que la compra de viviendas tiende a incrementarse, muchas personas se preguntan qu\u00e9 tipo de inter\u00e9s resulta m\u00e1s conveniente al momento de pedir una hipoteca. Aqu\u00ed aportamos algunos datos que pueden ayudarte con tu decisi\u00f3n. Tipo de inter\u00e9s fijo Entre los argumentos de quienes se inclinan por [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":239,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[],"class_list":["post-238","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>Lo que debes saber si vas a solicitar 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\/lo-que-debes-saber-si-vas-a-solicitar-una-hipoteca\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Lo que debes saber si vas a solicitar una hipoteca - Fincas Oll\u00e9\" \/>\n<meta property=\"og:description\" content=\"Ahora que el mercado inmobiliario ha repuntado y que la compra de viviendas tiende a incrementarse, muchas personas se preguntan qu\u00e9 tipo de inter\u00e9s resulta m\u00e1s conveniente al momento de pedir una hipoteca. Aqu\u00ed aportamos algunos datos que pueden ayudarte con tu decisi\u00f3n. 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