{"id":2914,"date":"2015-03-12T09:43:27","date_gmt":"2015-03-12T08:43:27","guid":{"rendered":"https:\/\/www.alting.com\/hipoteques-interes-fix-variable\/"},"modified":"2026-01-28T14:05:51","modified_gmt":"2026-01-28T13:05:51","slug":"hipoteques-interes-fix-variable","status":"publish","type":"post","link":"https:\/\/www.alting.com\/ca\/hipoteques-interes-fix-variable\/","title":{"rendered":"Hipoteques Inter\u00e8s fix o variable?"},"content":{"rendered":"<p>Barcelona, 12 de mar\u00e7 del 2015.- Les \u00faltimes dades parlen <strong>de l&#8217;activaci\u00f3 del sector immobiliari en la compra-venda d&#8217;immobles<\/strong>, encara que l&#8217;opci\u00f3 de lloguer tamb\u00e9 \u00e9s valorada positivament.<\/p>\n<p>Les pol\u00edtiques de BCE que mantenen un <strong>Eur\u00edbor baix, al voltant del 0,22%<\/strong>, i les atractives ofertes hipotec\u00e0ries, que estan apareixent per part d&#8217;entitats banc\u00e0ries com: Kutxabank (Eur\u00edbor 1%), ING Direct (Eur\u00edbor 1,49%) o la EVO Bank (Hipoteca Intel\u00b7ligent), fa molts tornar a plantejar-se la compra d&#8217;un habitatge.<\/p>\n<p>Arribats a aquest punt, se&#8217;ns plantegen diferents preguntes davant el record i l&#8217;aprenentatge que hem tingut amb la crisi, entre elles: <strong>Quin tipus d&#8217;inter\u00e8s em conv\u00e9 m\u00e9s?<\/strong><\/p>\n<p>De les <strong>hipoteques registrades<\/strong> el passat mes de desembre de 2014, un <strong>6,4% es van constituir a inter\u00e8s fix i el 93,6% restant va emprar un tipus d&#8217;inter\u00e8s variable<\/strong>, en la gran majoria dels casos, prenent com a refer\u00e8ncia l&#8217;Eur\u00edbor. Dades fetes p\u00fabliques per l&#8217;Institut Nacional d&#8217;Estad\u00edstica (INE).<\/p>\n<p>Cada comprador en el moment de triar una hipoteca, a m\u00e9s del tipus d&#8217;inter\u00e8s de <strong>considerar altres criteris<\/strong> que a llarg termini poden s&#8217;adaptin millor a la seva capacitat de renda.<\/p>\n<p><strong>El tipus d&#8217;inter\u00e8s:<\/strong> A llarg termini, les hipoteques a tipus fix poden resultar una mica m\u00e9s cares (actualment treballar\u00edem amb interessos a partir d&#8217;un 3,50%). Pel que, les quotes d&#8217;una hipoteca mitjana, segons l&#8217;INE, era de 104.950 euros a amortitzar en 21 anys, a un tipus fix del 3,90% serien, durant tot el termini de devoluci\u00f3, de 611 euros mensuals. En el cas d&#8217;una hipoteca a inter\u00e8s variable, amb l&#8217;Eur\u00edbor i el diferencial mitj\u00e0 actual, els pagaments serien de 562 euros al mes. Per\u00f2 si el tipus de refer\u00e8ncia s&#8217;encar\u00eds fins a l&#8217;1,5%, les mensualitats d&#8217;aquesta mateixa hipoteca passarien a ser de 592 euros. I si arrib\u00e9s al 2%, de 620 euros al mes.<\/p>\n<p><strong>Termini d&#8217;amortitzaci\u00f3:<\/strong> Les hipoteques a un tipus variable es paguen en l&#8217;actualitat fins als 30 anys, puntualment als 35 i 40 anys. Mentre a les hipoteques a tipus fix el m\u00e9s habitual \u00e9s que no superin els 20 anys.<\/p>\n<p><strong>Percentatge de capital finan\u00e7at:<\/strong> Una hipoteca a inter\u00e8s variable ofereix fins al 80% del valor de taxaci\u00f3. En el cas d&#8217;una hipoteca a tipus fix aquest baixi fins al 60%-70%.<\/p>\n<p><strong>Vinculaci\u00f3:<\/strong> No hi ha gran difer\u00e8ncia, domiciliar la n\u00f2mina i contractar una asseguran\u00e7a de vida i un altre de llar.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Barcelona, 12 de mar\u00e7 del 2015.- Les \u00faltimes dades parlen de l&#8217;activaci\u00f3 del sector immobiliari en la compra-venda d&#8217;immobles, encara [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1755,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[301],"tags":[376,372],"class_list":["post-2914","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualitat-ca","tag-economia-ca","tag-habitatges-ca"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.3.1 - 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