{"id":507,"date":"2016-03-04T08:41:38","date_gmt":"2016-03-04T07:41:38","guid":{"rendered":"http:\/\/blog.donpiso.com\/?p=507"},"modified":"2022-02-24T22:09:01","modified_gmt":"2022-02-24T21:09:01","slug":"euribor-a-cero-que-tipo-de-hipoteca-me-conviene","status":"publish","type":"post","link":"https:\/\/blog.donpiso.com\/euribor-a-cero-que-tipo-de-hipoteca-me-conviene\/","title":{"rendered":"Euribor a cero\u2026 \u00bfqu\u00e9 tipo de hipoteca me conviene?"},"content":{"rendered":"<p>Es un hecho: el Euribor a todos los plazos ya cotiza bajo cero y contin\u00faa su trayectoria descendente. Por eso hoy destacamos un art\u00edculo de <em>El Pa\u00eds<\/em> en el que intentan dar respuesta a una cuesti\u00f3n que hace unos a\u00f1os ser\u00eda ins\u00f3lita pero que hoy es ya una realidad a la que conviene ir dando respuesta: \u00bfc\u00f3mo nos afecta el Euribor en negativo tanto si tenemos hipoteca como si la vamos a pedir? As\u00ed las cosas todo parece indicar que los hipotecados a tipo variable, cuya f\u00f3rmula de c\u00e1lculo se estipule sumando un diferencial al Euribor, experimentar\u00e1n \u2018una sorpresa en las pr\u00f3ximas revisiones: el Euribor aplicable podr\u00eda tener un menos delante de su valor\u2019.<\/p>\n<p>El autor del art\u00edculo, Pau A. Montserrat se pregunta: \u00bfqu\u00e9 efecto tendr\u00eda en la nueva cuota? \u00bfCobrar por estar hipotecado, una reducci\u00f3n del pago mensual o no tendr\u00eda efecto? Si el valor absoluto del Euribor helado superara al diferencial, el tipo de inter\u00e9s aplicable ser\u00eda negativo, lo cual \u00bfimplicar\u00eda cobrar por haber pedido dinero a pr\u00e9stamo?<\/p>\n<p>Seg\u00fan apunta el autor, la banca ya ha dejado claro que \u00abes contradictorio\u00bb tener que \u00abpagar por pedir prestado\u00bb, y que, en todo caso, quien tiene que decidir son los tribunales. No obstante, la mayor parte de los hipotecados optar\u00edan a una reducci\u00f3n de su cuota, con intereses que por primera vez en su historia estar\u00edan por debajo del diferencial pactado.<\/p>\n<p>Dicho esto: \u00bfqu\u00e9 pasa con aquellos que est\u00e1n a punto de pedir una hipoteca? Seg\u00fan <em>El Pa\u00eds<\/em>, la curva de tipos que beneficia a muchos hipotecados puede perjudicar en cierta medida a los nuevos solicitantes. Este 2016 es un a\u00f1o de despegue inmobiliario, gradual pero ascendente. Los bancos quieren captar clientes solventes y compiten en condiciones hipotecarias, pero este hecho tan com\u00fan que puede verse atenuado si el escenario de tipos negativos ha llegado para quedarse: la competencia en rebaja de los diferenciales se ha estancado.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Es un hecho: el Euribor a todos los plazos ya cotiza bajo cero y contin\u00faa su trayectoria descendente. Por eso hoy destacamos un art\u00edculo de El Pa\u00eds en el que intentan dar respuesta a una cuesti\u00f3n que hace unos a\u00f1os ser\u00eda ins\u00f3lita pero que hoy es ya una realidad a la que conviene ir dando [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":265,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[116,19,113,110,109],"tags":[45],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Euribor a cero\u2026 \u00bfqu\u00e9 tipo de hipoteca me conviene?<\/title>\n<meta name=\"description\" content=\"Es un hecho: el Euribor a todos los plazos ya cotiza bajo cero y contin\u00faa su trayectoria descendente. 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