{"id":5078,"date":"2019-08-19T08:48:09","date_gmt":"2019-08-19T06:48:09","guid":{"rendered":"http:\/\/blog.donpiso.com\/?p=5078"},"modified":"2022-02-24T22:02:53","modified_gmt":"2022-02-24T21:02:53","slug":"aumenta-esfuerzo-salarial-pagar-las-hipotecas","status":"publish","type":"post","link":"https:\/\/blog.donpiso.com\/aumenta-esfuerzo-salarial-pagar-las-hipotecas\/","title":{"rendered":"Aumenta el esfuerzo salarial para pagar las hipotecas"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Los datos facilitados por el Colegio de Registradores de la Propiedad y Mercantiles de Espa\u00f1a muestran que la cuota hipotecaria mensual media del primer trimestre de ese a\u00f1o se situ\u00f3 en los 587,51 euros y sit\u00faa el esfuerzo salarial medio en el 30,61%. Los datos recopilados durante el primer trimestre de hace un a\u00f1o situaban el porcentaje de cuota hipotecaria con respecto al coste salarial en el 29,68% y en 2017, en el 28,66% y en 2016, del 27,49%, siendo este \u00faltimo el m\u00ednimo en su serie hist\u00f3rica.\u00a0<\/span><\/p>\n<p><img decoding=\"async\" src=\"https:\/\/image.freepik.com\/free-photo\/young-family-couple-signing-home-loan-contract-purchase-agreement-with-property-real-estate-agent_34755-357.jpg\" alt=\"Young family couple signing home loan contract purchase agreement with property real estate agent Premium Photo\" \/><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">De esta forma, se encadenan hasta ocho trimestres de importantes mejoras en la accesibilidad, donde la cuota hipotecaria mensual se ha ido incrementando de forma m\u00e1s intensa en cada trimestre. Son muchos los profesionales del sector que opinan que esta tendencia se mantendr\u00e1 a lo largo de 2019 y que tendr\u00e1 consecuencias relativas en torno al acceso al propio mercado. Por coste salarial nos referimos al salario base, junto con los complementos salariales, los pagos por horas extraordinarias y los pagos atrasados, recogidos en t\u00e9rminos brutos antes de practicar retenciones o pagos a la Seguridad Social por cuenta del trabajador.\u00a0<\/span><\/p>\n<p><img decoding=\"async\" src=\"https:\/\/image.freepik.com\/free-photo\/business-woman-accounting-financial-investment-calculator-cost-economic-business-market_45041-175.jpg\" alt=\"Business woman  accounting financial investment on calculator cost economic business and market Premium Photo\" \/><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Pese a que los niveles de deterioro no son extremadamente elevados, si est\u00e1n manteniendo una continuaci\u00f3n que no favorece al acceso a la vivienda. Tras varios a\u00f1os de mejoras en los indicadores de la accesibilidad, en los dos \u00faltimos a\u00f1os se han podido presenciar deterioros en los mismos. As\u00ed, la cuota hipotecaria mensual en 2018 fue de 568,40 euros, frente a los 543,94 euros de 2017 o los 522,64 euros de 2016, que marcaron el m\u00ednimo de la serie hist\u00f3rica. Algunas de las razones de este deterioro est\u00e1n siendo el incremento en los tipos de inter\u00e9s (0,16%) y la reducci\u00f3n de los plazos de contrataci\u00f3n (-1,73%). Mientras que la reducci\u00f3n del endeudamiento hipotecario (-2,20%) y un ligero ascenso en los salarios (0,25%), son factores que han favorecido la accesibilidad a la vivienda en propiedad.<\/span><\/p>\n<p><img decoding=\"async\" src=\"https:\/\/image.freepik.com\/free-photo\/buying-new-house-concept-realtor-giving-keys-couple-closeup_1163-4741.jpg\" alt=\"Buying new house concept, realtor giving keys to couple, closeup Free Photo\" \/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Los datos facilitados por el Colegio de Registradores de la Propiedad y Mercantiles de Espa\u00f1a muestran que la cuota hipotecaria mensual media del primer trimestre de ese a\u00f1o se situ\u00f3 en los 587,51 euros y sit\u00faa el esfuerzo salarial medio en el 30,61%. Los datos recopilados durante el primer trimestre de hace un a\u00f1o situaban [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":5079,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[19,113,109],"tags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Aumenta el esfuerzo salarial para pagar las hipotecas | Donpiso Blog<\/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:\/\/blog.donpiso.com\/aumenta-esfuerzo-salarial-pagar-las-hipotecas\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Aumenta el esfuerzo salarial para pagar las hipotecas | Donpiso Blog\" \/>\n<meta property=\"og:description\" content=\"Los datos facilitados por el Colegio de Registradores de la Propiedad y Mercantiles de Espa\u00f1a muestran que la cuota hipotecaria mensual media del primer trimestre de ese a\u00f1o se situ\u00f3 en los 587,51 euros y sit\u00faa el esfuerzo salarial medio en el 30,61%. 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