{"id":21625,"date":"2016-03-19T19:02:10","date_gmt":"2016-03-19T18:02:10","guid":{"rendered":"http:\/\/asufin.com\/?p=21625"},"modified":"2022-03-08T22:34:38","modified_gmt":"2022-03-08T22:34:38","slug":"tipos-negativos-algunas-entidades-ya-lo-aplican-desde-hace-meses","status":"publish","type":"post","link":"https:\/\/staging.asufin.com\/staging\/tipos-negativos-algunas-entidades-ya-lo-aplican-desde-hace-meses\/","title":{"rendered":"Tipos negativos: algunas entidades ya lo aplican desde hace meses"},"content":{"rendered":"<ul>\n<li>\n<h4>El Banco de Espa\u00f1a ha ordenado a los bancos no aplicar los tipos negativos (v\u00edd. <a href=\"http:\/\/www.elconfidencial.com\/vivienda\/2016-03-18\/el-bde-ordena-a-los-bancos-no-devolver-dinero-de-las-hipotecas-con-tipos-negativos_1170194\/\" target=\"_blank\" rel=\"noopener\">El Confidencial<\/a>), sin embargo, algunas entidades llevan aplic\u00e1ndolo meses.<\/h4>\n<\/li>\n<li>\n<h4>Los tenedores de hipoteca multidivisa han experimentado los tipos de inter\u00e9s negativos desde 2015.<\/h4>\n<\/li>\n<li>\n<h4>ASUFIN se suma a la petici\u00f3n de <a href=\"https:\/\/www.facua.org\/es\/noticia.php?Id=10155\" target=\"_blank\" rel=\"noopener\">FACUA<\/a> al Gobierno y a las CCAA a devolver el dinero en los pr\u00e9stamos con inter\u00e9s negativo.<\/h4>\n<\/li>\n<\/ul>\n<p>El Banco de Espa\u00f1a nunca dejar\u00e1 de sorprendernos. En su af\u00e1n por sostener la estabilidad financiera del pa\u00eds, es capaz de emitir un informe al Senado para que no se quiten los suelos de las hipotecas (<a href=\"https:\/\/staging.asufin.com\/staging\/informe-bde-senado\/\">mayo 2010<\/a>), cambiar de criterio para que los afectados por permutas financieras no tengan defensa posible (<a href=\"https:\/\/staging.asufin.com\/staging\/el-defensor-del-pueblo-vuelve-a-dar-la-razon-a-los-afectados-por-los-swaps\/\">abril 2010<\/a>) o permitir que las Cajas emitan preferentes para cumplir con los criterios impuestos por la UE a costa de los ahorros de miles de jubilados espa\u00f1oles. Todo sea por las entidades a las que, sin embargo, flaco favor les hace.\u00a0 Todos sabemos que que siempre que el Banco de Espa\u00f1a ha aparecido en defensa del sistema financiero, el efecto ha resultado ser todo lo contrario.<\/p>\n<blockquote class=\"modern-quote full\"><p>El Banco de Espa\u00f1a, en su intento por defender el sistema financiero, lo perjudica gravemente.<\/p><\/blockquote>\n<p>El \u00faltimo movimiento lo ha dado esta semana. Despu\u00e9s de defender por activa y pasiva &#8216;la fuerza de los contratos&#8217;, la &#8216;seguridad jur\u00eddica&#8217;, ahora parece que lo firmado est\u00e1 muy bien, siempre y cuando no perjudique a las entidades. Por ello lanza un comunicado (por carta) a los bancos para ordenarles que no devuelvan dinero en caso de que los tipos sean negativos.<\/p>\n<blockquote class=\"modern-quote full\"><p>Bankinter es la \u00fanica entidad que est\u00e1 aplicando tipos negativos sin suelo del 0%<\/p><\/blockquote>\n<p>Desde ASUFIN hemos estudiado la situaci\u00f3n actual en las hipotecas multidivisa que est\u00e1n en tipos negativos desde el 2015. Pr\u00e1cticamente todas las entidades est\u00e1n aplicando un suelo del 0%, sin embargo, una entidad destaca por encima de todas: Bankinter. Es de todos conocidos que la que les escribe ha sido durante a\u00f1os &#8216;<a href=\"http:\/\/www.elconfidencial.com\/empresas\/2014-11-19\/wonder-woman-vence-a-bankinter-el-azote-de-jaime-botin-recupera-todo-su-dinero_482528\/#\" target=\"_blank\" rel=\"noopener\">el azote<\/a>&#8216; contra esta entidad por sus malas pr\u00e1cticas bancarias. Sin embargo, hoy tengo que reconocer que Bankinter lo est\u00e1 haciendo bien, est\u00e1 aplicando los tipos negativos (tanto en Euros, como en Francos Suizos o en Yenes) sin aplicar ning\u00fan tipo de suelo tal y como se puede observar en las im\u00e1genes adjuntas.<\/p>\n<p><strong>ASUFIN se suma por todo ello a la petici\u00f3n de <a href=\"https:\/\/www.facua.org\/es\/noticia.php?Id=10155\" target=\"_blank\" rel=\"noopener\">FACUA<\/a> al Gobierno y a las CCAA a devolver el dinero en los pr\u00e9stamos con inter\u00e9s negativo.<\/strong><\/p>\n<div class=\"tiled-gallery type-rectangular tiled-gallery-unresized\" data-original-width=\"800\" data-carousel-extra='{&quot;blog_id&quot;:1,&quot;permalink&quot;:&quot;https:\\\/\\\/staging.asufin.com\\\/staging\\\/tipos-negativos-algunas-entidades-ya-lo-aplican-desde-hace-meses\\\/&quot;,&quot;likes_blog_id&quot;:209385604}' itemscope itemtype=\"http:\/\/schema.org\/ImageGallery\" > <div class=\"gallery-row\" style=\"width: 800px; height: 197px;\" data-original-width=\"800\" data-original-height=\"197\" > <div class=\"gallery-group images-1\" style=\"width: 386px; height: 197px;\" data-original-width=\"386\" data-original-height=\"197\" > <div class=\"tiled-gallery-item tiled-gallery-item-large\" itemprop=\"associatedMedia\" itemscope itemtype=\"http:\/\/schema.org\/ImageObject\"> <a href=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2016\/03\/bk_libor_negativo_feb_2015_chf.jpg?ssl=1\" border=\"0\" itemprop=\"url\"> <meta itemprop=\"width\" content=\"382\"> <meta itemprop=\"height\" content=\"193\"> <img loading=\"lazy\" decoding=\"async\" class=\"\" data-attachment-id=\"21628\" data-orig-file=\"https:\/\/staging.asufin.com\/staging\/wp-content\/uploads\/2016\/03\/bk_libor_negativo_feb_2015_chf.jpg\" data-orig-size=\"750,379\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"bk_libor_negativo_feb_2015_chf\" data-image-description=\"\" data-medium-file=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2016\/03\/bk_libor_negativo_feb_2015_chf.jpg?fit=300%2C152&#038;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2016\/03\/bk_libor_negativo_feb_2015_chf.jpg?fit=750%2C379&#038;ssl=1\" src=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2016\/03\/bk_libor_negativo_feb_2015_chf.jpg?w=382&#038;h=193&#038;ssl=1\" srcset=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2016\/03\/bk_libor_negativo_feb_2015_chf.jpg?w=750&amp;ssl=1 750w, https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2016\/03\/bk_libor_negativo_feb_2015_chf.jpg?resize=300%2C152&amp;ssl=1 300w, https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2016\/03\/bk_libor_negativo_feb_2015_chf.jpg?resize=600%2C303&amp;ssl=1 600w\" width=\"382\" height=\"193\" loading=\"lazy\" data-original-width=\"382\" data-original-height=\"193\" itemprop=\"http:\/\/schema.org\/image\" title=\"bk_libor_negativo_feb_2015_chf\" alt=\"Bankinter - Libor CHF - feb 2015\" style=\"width: 382px; height: 193px;\" \/> <\/a> <div class=\"tiled-gallery-caption\" itemprop=\"caption description\"> Bankinter &#8211; Libor CHF &#8211; feb 2015 <\/div> <\/div> <\/div> <!-- close group --> <div class=\"gallery-group images-1\" style=\"width: 414px; height: 197px;\" data-original-width=\"414\" data-original-height=\"197\" > <div class=\"tiled-gallery-item tiled-gallery-item-large\" itemprop=\"associatedMedia\" itemscope itemtype=\"http:\/\/schema.org\/ImageObject\"> <a href=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2016\/03\/bk_libor_negativo_feb_2016_jpy.jpg?ssl=1\" border=\"0\" itemprop=\"url\"> <meta itemprop=\"width\" content=\"410\"> <meta itemprop=\"height\" content=\"193\"> <img loading=\"lazy\" decoding=\"async\" class=\"\" data-attachment-id=\"21629\" data-orig-file=\"https:\/\/staging.asufin.com\/staging\/wp-content\/uploads\/2016\/03\/bk_libor_negativo_feb_2016_jpy.jpg\" data-orig-size=\"1200,564\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"bk_libor_negativo_feb_2016_jpy\" data-image-description=\"\" data-medium-file=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2016\/03\/bk_libor_negativo_feb_2016_jpy.jpg?fit=300%2C141&#038;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2016\/03\/bk_libor_negativo_feb_2016_jpy.jpg?fit=800%2C376&#038;ssl=1\" src=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2016\/03\/bk_libor_negativo_feb_2016_jpy.jpg?w=410&#038;h=193&#038;ssl=1\" srcset=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2016\/03\/bk_libor_negativo_feb_2016_jpy.jpg?w=1200&amp;ssl=1 1200w, https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2016\/03\/bk_libor_negativo_feb_2016_jpy.jpg?resize=300%2C141&amp;ssl=1 300w, https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2016\/03\/bk_libor_negativo_feb_2016_jpy.jpg?resize=768%2C361&amp;ssl=1 768w, https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2016\/03\/bk_libor_negativo_feb_2016_jpy.jpg?resize=1024%2C481&amp;ssl=1 1024w, https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2016\/03\/bk_libor_negativo_feb_2016_jpy.jpg?resize=600%2C282&amp;ssl=1 600w\" width=\"410\" height=\"193\" loading=\"lazy\" data-original-width=\"410\" data-original-height=\"193\" itemprop=\"http:\/\/schema.org\/image\" title=\"bk_libor_negativo_feb_2016_jpy\" alt=\"Bankinter - Libor JPY - feb 2016\" style=\"width: 410px; height: 193px;\" \/> <\/a> <div class=\"tiled-gallery-caption\" itemprop=\"caption description\"> Bankinter &#8211; Libor JPY &#8211; feb 2016 <\/div> <\/div> <\/div> <!-- close group --> <\/div> <!-- close row --> <div class=\"gallery-row\" style=\"width: 800px; height: 304px;\" data-original-width=\"800\" data-original-height=\"304\" > <div class=\"gallery-group images-1\" style=\"width: 800px; height: 304px;\" data-original-width=\"800\" data-original-height=\"304\" > <div class=\"tiled-gallery-item tiled-gallery-item-large\" itemprop=\"associatedMedia\" itemscope itemtype=\"http:\/\/schema.org\/ImageObject\"> <a href=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2016\/03\/bk_euribor_negativo_abr_2015_eur.jpg?ssl=1\" border=\"0\" itemprop=\"url\"> <meta itemprop=\"width\" content=\"796\"> <meta itemprop=\"height\" content=\"300\"> <img loading=\"lazy\" decoding=\"async\" class=\"\" data-attachment-id=\"21627\" data-orig-file=\"https:\/\/staging.asufin.com\/staging\/wp-content\/uploads\/2016\/03\/bk_euribor_negativo_abr_2015_eur.jpg\" data-orig-size=\"713,269\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"bk_euribor_negativo_abr_2015_eur\" data-image-description=\"\" data-medium-file=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2016\/03\/bk_euribor_negativo_abr_2015_eur.jpg?fit=300%2C113&#038;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2016\/03\/bk_euribor_negativo_abr_2015_eur.jpg?fit=713%2C269&#038;ssl=1\" src=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2016\/03\/bk_euribor_negativo_abr_2015_eur.jpg?w=796&#038;h=300&#038;ssl=1\" srcset=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2016\/03\/bk_euribor_negativo_abr_2015_eur.jpg?w=713&amp;ssl=1 713w, https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2016\/03\/bk_euribor_negativo_abr_2015_eur.jpg?resize=300%2C113&amp;ssl=1 300w, https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2016\/03\/bk_euribor_negativo_abr_2015_eur.jpg?resize=600%2C226&amp;ssl=1 600w\" width=\"796\" height=\"300\" loading=\"lazy\" data-original-width=\"796\" data-original-height=\"300\" itemprop=\"http:\/\/schema.org\/image\" title=\"bk_euribor_negativo_abr_2015_eur\" alt=\"Bankinter - Euribor - abr 2015\" style=\"width: 796px; height: 300px;\" \/> <\/a> <div class=\"tiled-gallery-caption\" itemprop=\"caption description\"> Bankinter &#8211; Euribor &#8211; abr 2015 <\/div> <\/div> <\/div> <!-- close group --> <\/div> <!-- close row --> <\/div>\n","protected":false},"excerpt":{"rendered":"<p>El Banco de Espa\u00f1a ha ordenado a los bancos no aplicar los tipos negativos (v\u00edd. El Confidencial), sin embargo, algunas entidades llevan aplic\u00e1ndolo meses. Los tenedores de hipoteca multidivisa han experimentado los tipos de inter\u00e9s negativos desde 2015. ASUFIN se suma a la petici\u00f3n de FACUA al Gobierno y a las CCAA a devolver el [&hellip;]<\/p>\n","protected":false},"author":279,"featured_media":21628,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[80,76,1137],"tags":[104,2457,2384],"class_list":["post-21625","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banco-de-espana","category-hipoteca","category-hipoteca-multidivisa","tag-banco-de-espana","tag-euribor-negativo","tag-libor-negativo"],"acf":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2016\/03\/bk_libor_negativo_feb_2015_chf.jpg?fit=750%2C379&ssl=1","jetpack_shortlink":"https:\/\/wp.me\/peayLa-5CN","jetpack_likes_enabled":false,"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/posts\/21625","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/users\/279"}],"replies":[{"embeddable":true,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/comments?post=21625"}],"version-history":[{"count":1,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/posts\/21625\/revisions"}],"predecessor-version":[{"id":89286,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/posts\/21625\/revisions\/89286"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/media\/21628"}],"wp:attachment":[{"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/media?parent=21625"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/categories?post=21625"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/tags?post=21625"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}