{"id":715,"date":"2015-02-10T13:10:24","date_gmt":"2015-02-10T13:10:24","guid":{"rendered":"http:\/\/www.cafur.es\/blog\/?p=715"},"modified":"2015-02-10T13:10:24","modified_gmt":"2015-02-10T13:10:24","slug":"hipoteques-a-tipus-fix","status":"publish","type":"post","link":"https:\/\/skills-crush.com\/cafur\/hipoteques-a-tipus-fix\/","title":{"rendered":"Hipoteques a tipus fix: algunes preguntes"},"content":{"rendered":"<p>Nom\u00e9s un 7%. \u00c9s el percentatge d&#8217;hipoteques que\u00a0es firmen\u00a0a tipus fix i es podria qualificar d&#8217;anecd\u00f2tic davant l&#8217;aclaparador 92,6% restant que es subscriuen a inter\u00e8s variable. Aix\u00f2 diuen les dades proporcionades per l&#8217;Institut Nacional d&#8217;Estad\u00edstica (INE) sobre els pr\u00e9stecs hipotecaris registrats a Espanya.<\/p>\n<p>Amb tot, en les \u00faltimes setmanes, les hipoteques a termini fix han cobrat inter\u00e8s. Dos bancs han presentat ofertes basades en aquest tipus de pr\u00e9stecs pels quals la quantia dels pagaments ser\u00e0 una constant durant tota la seva vida (fins l&#8217; amortitzaci\u00f3 final).<\/p>\n<p>A\u00a0la llarga, les hipoteques a tipus fix solen resultar una mica m\u00e9s cares.<\/p>\n<p>Aquesta \u00e9s una de les principals caracter\u00edstiques d&#8217;aquest tipus de pr\u00e9stecs per\u00f2, quines s\u00f3n les altres? Des del comparador d&#8217;hipoteques de Bankimia responen algunes preguntes:<\/p>\n<h2>Hipoteques a tipus fix . Preguntes.<\/h2>\n<p><a href=\"http:\/\/www.cafur.es\/blog\/wp-content\/uploads\/2014\/10\/Hand-Exchange-Euro-And-House-by-tungphoto-ID-10057390.jpg\"><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter size-full wp-image-90\" src=\"http:\/\/www.cafur.es\/blog\/wp-content\/uploads\/2014\/10\/Hand-Exchange-Euro-And-House-by-tungphoto-ID-10057390.jpg\" alt=\"hipoteques a tipus fix\" width=\"400\" height=\"281\" \/><\/a><\/p>\n<p><strong>Quins requisits s&#8217;han de complir?<\/strong><\/p>\n<p>Normalment, els requisits que acostumen a exigir els bancs als futurs titulars d&#8217;una hipoteca a tipus fix s\u00f3n semblants a\u00a0una d&#8217; inter\u00e8s variable.<\/p>\n<p><strong>Quins productes vinculats s&#8217;han de contractar?<\/strong><\/p>\n<p>Els productes vinculats a contractar tampoc solen variar molt dels que es requereixen en un pr\u00e9stec hipotecari variable. Incl\u00fas poden ser menys.<\/p>\n<p><strong>Quins terminis d&#8217;amortitzaci\u00f3 tenen?<\/strong><\/p>\n<p>Normalment,\u00a0els terminis d&#8217;amortitzaci\u00f3 d&#8217;una hipoteca a tipus fix solen ser m\u00e9s curts que els de les que tenen un inter\u00e8s variable.<\/p>\n<p><strong>En aquestes hipoteques hi ha comissions?<\/strong><\/p>\n<p>Les entitats financeres poden afegir comissions a aquest tipus d&#8217;hipoteques.<\/p>\n<p>&nbsp;<\/p>\n<p>Font: traducci\u00f3 i resum lliure de <a title=\"hipoteques a tipus fix\" href=\"http:\/\/www.fotocasa.es\/blog\/hipotecas\/cinco-preguntas-sobre-las-hipotecas-tipo-fijo\" target=\"_blank\">l&#8217; article a Fotocasa<\/a><\/p>\n<p>Autor: <a href=\"http:\/\/www.bankimia.com\/\" target=\"_blank\">Bankimia<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Nom\u00e9s un 7%. \u00c9s el percentatge d&#8217;hipoteques que\u00a0es firmen\u00a0a tipus fix i es podria qualificar d&#8217;anecd\u00f2tic davant l&#8217;aclaparador 92,6% restant que es subscriuen a inter\u00e8s variable. Aix\u00f2 diuen les dades proporcionades per l&#8217;Institut Nacional d&#8217;Estad\u00edstica (INE) sobre els pr\u00e9stecs hipotecaris registrats a Espanya. Amb tot, en les \u00faltimes setmanes, les hipoteques a termini fix han [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":716,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11],"tags":[22],"class_list":["post-715","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticies","tag-hipoteca"],"_links":{"self":[{"href":"https:\/\/skills-crush.com\/cafur\/wp-json\/wp\/v2\/posts\/715","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/skills-crush.com\/cafur\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/skills-crush.com\/cafur\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/skills-crush.com\/cafur\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/skills-crush.com\/cafur\/wp-json\/wp\/v2\/comments?post=715"}],"version-history":[{"count":0,"href":"https:\/\/skills-crush.com\/cafur\/wp-json\/wp\/v2\/posts\/715\/revisions"}],"wp:attachment":[{"href":"https:\/\/skills-crush.com\/cafur\/wp-json\/wp\/v2\/media?parent=715"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/skills-crush.com\/cafur\/wp-json\/wp\/v2\/categories?post=715"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/skills-crush.com\/cafur\/wp-json\/wp\/v2\/tags?post=715"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}