{"id":940,"date":"2016-07-19T09:00:15","date_gmt":"2016-07-19T07:00:15","guid":{"rendered":"http:\/\/blog.donpiso.com\/?p=940"},"modified":"2022-02-24T21:44:32","modified_gmt":"2022-02-24T20:44:32","slug":"mas-la-mitad-las-hipotecas-se-firman-tipo-fijo","status":"publish","type":"post","link":"https:\/\/blog.donpiso.com\/mas-la-mitad-las-hipotecas-se-firman-tipo-fijo\/","title":{"rendered":"M\u00e1s de la mitad de las hipotecas que se firman son a tipo fijo"},"content":{"rendered":"

\u00bfSab\u00edas que el porcentaje de los pr\u00e9stamos variables en el total de las nuevas contrataciones se ha reducido a m\u00e1s de la mitad? Son datos de la Asociaci\u00f3n Hipotecaria Espa\u00f1ola (AHE). Lejos quedan los d\u00edas en que representaban hasta el 93% de las hipotecas durante el boom inmobiliario. Hoy la cifra se ha reduce a un 42,7%, ocupando su espacio los productos que garantizan una cuota de amortizaci\u00f3n constante durante varios a\u00f1os o, incluso durante toda la vida del pr\u00e9stamo.<\/p>\n

Los cr\u00e9ditos con precios invariables de principio a fin del contrato son un tercio de las transacciones, cuando en pleno \u00e9xtasis inmobiliario su recurso era residual, de apenas el 0,6 o 0,7%. De hecho, hace escasamente un a\u00f1o copaban el 8,8%, lo que significa que este tipo de contrataci\u00f3n se ha triplicado en dicho per\u00edodo. En este sentido, las entidades se aseguran unos ingresos estables en un momento en que el Euribor est\u00e1 por el -0,178% y se espera pr\u00f3ximo al 0% durante, al menos, un par de ejercicios.<\/p>\n

El escenario actual provoca que el plazo de contrataci\u00f3n medio, que cay\u00f3 hasta los 21,2 a\u00f1os en 2013, alcanzara el pasado mes de marzo los 23,1 a\u00f1os, recuperando el tiempo medio de contrataci\u00f3n que era normal en 2012. Los importes medios son a\u00fan muy inferiores a los de entonces, pero se financia casi el 64% del valor de tasaci\u00f3n, porcentaje no visto desde los a\u00f1os de ‘boom’ tras caer al 55% en 2009.<\/p>\n","protected":false},"excerpt":{"rendered":"

\u00bfSab\u00edas que el porcentaje de los pr\u00e9stamos variables en el total de las nuevas contrataciones se ha reducido a m\u00e1s de la mitad? Son datos de la Asociaci\u00f3n Hipotecaria Espa\u00f1ola (AHE). Lejos quedan los d\u00edas en que representaban hasta el 93% de las hipotecas durante el boom inmobiliario. Hoy la cifra se ha reduce a […]<\/p>\n","protected":false},"author":2,"featured_media":236,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[17,107],"tags":[],"acf":[],"yoast_head":"\nM\u00e1s de la mitad de las hipotecas que se firman son a tipo fijo<\/title>\n<meta name=\"description\" content=\"\u00bfSab\u00edas que el porcentaje de los pr\u00e9stamos variables en el total de las nuevas contrataciones se ha reducido a m\u00e1s de la mitad?\" \/>\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\/mas-la-mitad-las-hipotecas-se-firman-tipo-fijo\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"M\u00e1s de la mitad de las hipotecas que se firman son a tipo fijo\" \/>\n<meta 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