{"id":3799,"date":"2015-10-16T21:10:53","date_gmt":"2015-10-16T21:10:53","guid":{"rendered":"https:\/\/www.volawyers.com\/las-hipotecas-en-espana\/"},"modified":"2023-10-13T19:27:50","modified_gmt":"2023-10-13T19:27:50","slug":"las-hipotecas-en-espana","status":"publish","type":"page","link":"https:\/\/www.volawyers.com\/es\/que-necesita-saber\/hipotecas\/las-hipotecas-en-espana\/","title":{"rendered":"Las hipotecas en Espa\u00f1a"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-custom-z-index\" style=\"--awb-background-position:left top;--awb-border-sizes-top:0px;--awb-border-sizes-bottom:0px;--awb-border-sizes-left:0px;--awb-border-sizes-right:0px;--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-z-index:189;--awb-padding-top:0px;--awb-padding-right:0px;--awb-padding-bottom:0px;--awb-padding-left:0px;--awb-padding-top-medium:72px;--awb-padding-bottom-medium:60px;--awb-padding-bottom-small:0px;--awb-background-color:var(--awb-color1);--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-stretch fusion-flex-content-wrap\" style=\"max-width:calc( 1300px + 0px );margin-left: calc(-0px \/ 2 );margin-right: calc(-0px \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column fusion-flex-align-self-flex-start fusion-column-no-min-height fusion-no-small-visibility fusion-no-medium-visibility\" style=\"--awb-bg-blend:overlay;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:0px;--awb-margin-bottom-large:0px;--awb-spacing-left-large:0px;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:0px;--awb-spacing-left-medium:0px;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:0px;--awb-spacing-left-small:0px;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:0px;margin-bottom:0px;width:100%;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"--awb-height:20px;--awb-amount:20px;--awb-sep-color:var(--awb-color5);border-color:var(--awb-color5);border-top-width:5px;\"><\/div><\/div><nav class=\"awb-menu awb-menu_row awb-menu_em-hover mobile-mode-collapse-to-button awb-menu_icons-left awb-menu_dc-no mobile-trigger-fullwidth-off awb-menu_mobile-toggle awb-menu_indent-left mobile-size-full-absolute loading mega-menu-loading awb-menu_desktop awb-menu_dropdown awb-menu_expand-right awb-menu_transition-fade dlc-menu-tips\" style=\"--awb-text-transform:uppercase;--awb-justify-content:space-between;--awb-items-padding-right:16px;--awb-items-padding-left:16px;--awb-active-color:var(--awb-color5);--awb-active-bg:var(--awb-color2);--awb-submenu-bg:var(--awb-color2);--awb-icons-hover-color:var(--awb-color5);--awb-main-justify-content:flex-start;--awb-mobile-justify:flex-start;--awb-mobile-caret-left:auto;--awb-mobile-caret-right:0;--awb-fusion-font-family-typography:inherit;--awb-fusion-font-style-typography:normal;--awb-fusion-font-weight-typography:400;--awb-fusion-font-family-submenu-typography:inherit;--awb-fusion-font-style-submenu-typography:normal;--awb-fusion-font-weight-submenu-typography:400;--awb-fusion-font-family-mobile-typography:inherit;--awb-fusion-font-style-mobile-typography:normal;--awb-fusion-font-weight-mobile-typography:400;\" aria-label=\"Legal Tips ES\" data-breakpoint=\"1024\" data-count=\"0\" data-transition-type=\"fade\" data-transition-time=\"300\" data-expand=\"right\"><button type=\"button\" class=\"awb-menu__m-toggle awb-menu__m-toggle_no-text\" aria-expanded=\"false\" aria-controls=\"menu-legal-tips-es\"><span class=\"awb-menu__m-toggle-inner\"><span class=\"collapsed-nav-text\"><span class=\"screen-reader-text\">Toggle Navigation<\/span><\/span><span class=\"awb-menu__m-collapse-icon awb-menu__m-collapse-icon_no-text\"><span class=\"awb-menu__m-collapse-icon-open awb-menu__m-collapse-icon-open_no-text fa-bars fas\"><\/span><span class=\"awb-menu__m-collapse-icon-close awb-menu__m-collapse-icon-close_no-text fa-times fas\"><\/span><\/span><\/span><\/button><ul id=\"menu-legal-tips-es\" class=\"fusion-menu awb-menu__main-ul awb-menu__main-ul_row\"><li  id=\"menu-item-5596\"  class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-5596 awb-menu__li awb-menu__main-li awb-menu__main-li_regular\"  data-item-id=\"5596\"><span class=\"awb-menu__main-background-default awb-menu__main-background-default_fade\"><\/span><span class=\"awb-menu__main-background-active awb-menu__main-background-active_fade\"><\/span><a  href=\"https:\/\/www.volawyers.com\/es\/que-necesita-saber\/compra-inmuebles\/documento-reserva-compra-propiedades\/\" class=\"awb-menu__main-a awb-menu__main-a_regular\"><span class=\"menu-text\">Compra<\/span><\/a><\/li><li  id=\"menu-item-5129\"  class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-5129 awb-menu__li awb-menu__main-li awb-menu__main-li_regular\"  data-item-id=\"5129\"><span class=\"awb-menu__main-background-default awb-menu__main-background-default_fade\"><\/span><span class=\"awb-menu__main-background-active awb-menu__main-background-active_fade\"><\/span><a  href=\"https:\/\/www.volawyers.com\/es\/que-necesita-saber\/la-venta-de-propiedades-en-espana\/\" class=\"awb-menu__main-a awb-menu__main-a_regular\"><span class=\"menu-text\">Venta<\/span><\/a><\/li><li  id=\"menu-item-5132\"  class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-5132 awb-menu__li awb-menu__main-li awb-menu__main-li_regular\"  data-item-id=\"5132\"><span class=\"awb-menu__main-background-default awb-menu__main-background-default_fade\"><\/span><span class=\"awb-menu__main-background-active awb-menu__main-background-active_fade\"><\/span><a  href=\"https:\/\/www.volawyers.com\/es\/que-necesita-saber\/impuestos-anuales-para-los-extranjeros-propietarios-de-viviendas\/\" class=\"awb-menu__main-a awb-menu__main-a_regular\"><span class=\"menu-text\">Impuestos<\/span><\/a><\/li><li  id=\"menu-item-5133\"  class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-5133 awb-menu__li awb-menu__main-li awb-menu__main-li_regular\"  data-item-id=\"5133\"><span class=\"awb-menu__main-background-default awb-menu__main-background-default_fade\"><\/span><span class=\"awb-menu__main-background-active awb-menu__main-background-active_fade\"><\/span><a  href=\"https:\/\/www.volawyers.com\/es\/que-necesita-saber\/gastos-mantenimiento-propiedad\/\" class=\"awb-menu__main-a awb-menu__main-a_regular\"><span class=\"menu-text\">Otros gastos<\/span><\/a><\/li><li  id=\"menu-item-5134\"  class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-5134 awb-menu__li awb-menu__main-li awb-menu__main-li_regular\"  data-item-id=\"5134\"><span class=\"awb-menu__main-background-default awb-menu__main-background-default_fade\"><\/span><span class=\"awb-menu__main-background-active awb-menu__main-background-active_fade\"><\/span><a  href=\"https:\/\/www.volawyers.com\/es\/que-necesita-saber\/testamentos\/\" class=\"awb-menu__main-a awb-menu__main-a_regular\"><span class=\"menu-text\">Testamentos<\/span><\/a><\/li><li  id=\"menu-item-5135\"  class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-5135 awb-menu__li awb-menu__main-li awb-menu__main-li_regular\"  data-item-id=\"5135\"><span class=\"awb-menu__main-background-default awb-menu__main-background-default_fade\"><\/span><span class=\"awb-menu__main-background-active awb-menu__main-background-active_fade\"><\/span><a  href=\"https:\/\/www.volawyers.com\/es\/que-necesita-saber\/herencias\/\" class=\"awb-menu__main-a awb-menu__main-a_regular\"><span class=\"menu-text\">Herencias<\/span><\/a><\/li><li  id=\"menu-item-5618\"  class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-5618 awb-menu__li awb-menu__main-li awb-menu__main-li_regular\"  data-item-id=\"5618\"><span class=\"awb-menu__main-background-default awb-menu__main-background-default_fade\"><\/span><span class=\"awb-menu__main-background-active awb-menu__main-background-active_fade\"><\/span><a  href=\"https:\/\/www.volawyers.com\/es\/que-necesita-saber\/hipotecas\/las-hipotecas-en-espana\/\" class=\"awb-menu__main-a awb-menu__main-a_regular\"><span class=\"menu-text\">Hipotecas<\/span><\/a><\/li><li  id=\"menu-item-5141\"  class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-5141 awb-menu__li awb-menu__main-li awb-menu__main-li_regular\"  data-item-id=\"5141\"><span class=\"awb-menu__main-background-default awb-menu__main-background-default_fade\"><\/span><span class=\"awb-menu__main-background-active awb-menu__main-background-active_fade\"><\/span><a  href=\"https:\/\/www.volawyers.com\/es\/que-necesita-saber\/el-alquiler-de-propiedades-en-espana\/\" class=\"awb-menu__main-a awb-menu__main-a_regular\"><span class=\"menu-text\">Alquileres<\/span><\/a><\/li><li  id=\"menu-item-5120\"  class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-5120 awb-menu__li awb-menu__main-li awb-menu__main-li_regular\"  data-item-id=\"5120\"><span class=\"awb-menu__main-background-default awb-menu__main-background-default_fade\"><\/span><span class=\"awb-menu__main-background-active awb-menu__main-background-active_fade\"><\/span><a  href=\"https:\/\/www.volawyers.com\/es\/que-necesita-saber\/atencion-sanitaria\/\" class=\"awb-menu__main-a awb-menu__main-a_regular\"><span class=\"menu-text\">Sanidad<\/span><\/a><\/li><\/ul><\/nav><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_1 1_1 fusion-flex-column green-border rounded-border\" style=\"--awb-padding-top:60px;--awb-padding-right:60px;--awb-padding-bottom:20px;--awb-padding-left:60px;--awb-padding-bottom-medium:16px;--awb-padding-top-small:20px;--awb-padding-bottom-small:20px;--awb-bg-color:var(--awb-color1);--awb-bg-color-hover:var(--awb-color1);--awb-bg-size:cover;--awb-border-color:var(--awb-color3);--awb-border-style:solid;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:0px;--awb-margin-bottom-large:20px;--awb-spacing-left-large:0px;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:0px;--awb-spacing-left-medium:0px;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:0px;--awb-spacing-left-small:0px;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-one\"><h1 class=\"fusion-title-heading title-heading-center\" style=\"margin:0;\">Las hipotecas en Espa\u00f1a<\/h1><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-bottom:50px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1352px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-1 fusion-text-no-margin\" style=\"--awb-text-transform:none;--awb-margin-bottom:40px;\"><p>Si quiere comprar una propiedad en Espa\u00f1a pero no dispone de los fondos necesarios o prefiere no comprometer sus reservas monetarias, la soluci\u00f3n puede ser obtener financiaci\u00f3n de una entidad de cr\u00e9dito.<\/p>\n<p>Antes de elegir qu\u00e9 tipo de hipoteca necesita y en qu\u00e9 entidad solicitarla, debe saber que en Espa\u00f1a existen hipotecas con inter\u00e9s fijo o variable, hipotecas con carencia con las que, durante un tiempo, s\u00f3lo se abonan intereses pero no se amortiza capital, hipotecas flexibles y r\u00edgidas, etc. En funci\u00f3n de su capacidad de endeudamiento y sus necesidades, le convendr\u00e1 recurrir a unas u otras.<\/p>\n<p>La mayor\u00eda de las hipotecas que se firman en Espa\u00f1a son de inter\u00e9s variable, con el EURIBOR como \u00edndice de referencia, que indica el tipo de inter\u00e9s promedio al que las entidades financieras europeas se prestan dinero entre s\u00ed. Al Euribor se le a\u00f1ade un diferencial que suele oscilar entre el 1% y el 4%. La revisi\u00f3n de las cuotas del pr\u00e9stamo se efect\u00faa normalmente con car\u00e1cter anual y su importe subir\u00e1 o bajar\u00e1 dependiendo de la evoluci\u00f3n del Euribor. Las hipotecas con inter\u00e9s fijo suelen tener un inter\u00e9s superior al variable. Su principal ventaja es que no fluct\u00faan con el mercado.<\/p>\n<p>Para que la entidad de cr\u00e9dito apruebe su hipoteca debe acreditar documentalmente que es capaz de hacer frente a los pagos mensuales. En general, el banco espera que sus gastos financieros globales no excedan de un cierto porcentaje de sus ingresos netos. El importe del pr\u00e9stamo depender\u00e1 en \u00faltimo extremo de la tasaci\u00f3n de la propiedad que realice el propio banco. Aunque durante algunos momentos del boom inmobiliario los bancos llegaron a prestar el 100% del valor de tasaci\u00f3n, esas pr\u00e1cticas han pasado a la historia y actualmente los bancos no suelen prestar m\u00e1s de un 80% a residentes y rara vez m\u00e1s de un 70% a ciudadanos no residentes en Espa\u00f1a. El plazo de amortizaci\u00f3n depender\u00e1 casi exclusivamente de la edad de los solicitantes, si bien algunas entidades tienen pol\u00edticas de m\u00e1ximos al respecto. Normalmente oscila entre los 10 y los 25 a\u00f1os para ciudadanos no residentes.<\/p>\n<p>En Vicente &amp; Otaolaurruchi podemos negociar en su nombre ante las distintas entidades de cr\u00e9dito la concesi\u00f3n de un pr\u00e9stamo hipotecario con las mejores condiciones que se oferten en el mercado.<\/p>\n<\/div><div class=\"fusion-builder-row fusion-builder-row-inner fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-0 fusion_builder_column_inner_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-1 fusion_builder_column_inner_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-2\" style=\"--awb-text-transform:none;\"><p style=\"text-align: right;\"><a title=\"Documentaci\u00f3n necesaria para solicitar una hipoteca\" href=\"https:\/\/www.volawyers.com\/es\/que-necesita-saber\/hipotecas\/documentacion-necesaria-para-solicitar-una-hipoteca-en-espana\/\">Siguiente: Documentaci\u00f3n necesaria para solicitar una hipoteca<\/a><\/p>\n<\/div><\/div><\/div><\/div><div class=\"fusion-builder-row fusion-builder-row-inner fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-2 fusion_builder_column_inner_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-3\" style=\"--awb-text-transform:none;\"><p style=\"text-align: left;\">P\u00e1gina 1\/4<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-3 fusion_builder_column_inner_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-4\" style=\"--awb-text-transform:none;\"><p style=\"text-align: right;\">Ir a la p\u00e1gina: 1 <a href=\"https:\/\/www.volawyers.com\/es\/que-necesita-saber\/hipotecas\/documentacion-necesaria-para-solicitar-una-hipoteca-en-espana\/\">2<\/a>\u00a0<a href=\"https:\/\/www.volawyers.com\/es\/que-necesita-saber\/hipotecas\/el-coste-de-una-hipoteca-en-espana\/\">3<\/a>\u00a0<a href=\"https:\/\/www.volawyers.com\/es\/que-necesita-saber\/hipotecas\/que-ocurre-si-no-puedo-afrontar-las-cuotas-mensuales-de-la-hipoteca\/\">4<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":3745,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-3799","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.volawyers.com\/es\/wp-json\/wp\/v2\/pages\/3799","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.volawyers.com\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.volawyers.com\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.volawyers.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.volawyers.com\/es\/wp-json\/wp\/v2\/comments?post=3799"}],"version-history":[{"count":5,"href":"https:\/\/www.volawyers.com\/es\/wp-json\/wp\/v2\/pages\/3799\/revisions"}],"predecessor-version":[{"id":5625,"href":"https:\/\/www.volawyers.com\/es\/wp-json\/wp\/v2\/pages\/3799\/revisions\/5625"}],"up":[{"embeddable":true,"href":"https:\/\/www.volawyers.com\/es\/wp-json\/wp\/v2\/pages\/3745"}],"wp:attachment":[{"href":"https:\/\/www.volawyers.com\/es\/wp-json\/wp\/v2\/media?parent=3799"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}