{"id":63761,"date":"2021-05-06T07:00:21","date_gmt":"2021-05-06T07:00:21","guid":{"rendered":"https:\/\/www.asufin.com\/?p=63761"},"modified":"2021-05-25T10:46:28","modified_gmt":"2021-05-25T10:46:28","slug":"todo-lo-que-necesitas-saber-para-solicitar-tu-primera-hipoteca","status":"publish","type":"post","link":"https:\/\/staging.asufin.com\/staging\/todo-lo-que-necesitas-saber-para-solicitar-tu-primera-hipoteca\/","title":{"rendered":"HIPOTECA: Todo lo que necesitas saber para solicitar tu primera hipoteca"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"63761\" class=\"elementor elementor-63761\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-eaf0c5a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"eaf0c5a\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1580a1a\" data-id=\"1580a1a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a9f344a elementor-widget elementor-widget-text-editor\" data-id=\"a9f344a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h4>Desde ASUFIN apostamos por la educaci\u00f3n financiera, por ello te ense\u00f1amos 5 consejos para firmar tu primera hipoteca de forma segura<\/h4>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4f59640 elementor-widget elementor-widget-text-editor\" data-id=\"4f59640\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u00bfEstas pensando en comprar tu primera vivienda y necesitas solicitar una hipoteca? Desde ASUFIN queremos ayudarte, por ello te facilitamo<strong>s 5 consejos para tomar una las decisi\u00f3n financiera segura.<\/strong>\u00a0<\/p><ul><li><span style=\"text-decoration: underline;\">Capacidad de endeudamiento:<\/span> En primer lugar debes analizar tu solvencia, ya que el banco no va a prestarte el dinero si no tiene una seguridad razonable de que vas a poder devolv\u00e9rselo. Es probable que te soliciten el justificante de tu nivel de ingresos, el tipo de contrato, la antig\u00fcedad en la empresa incluso si ya estas pagando otro pr\u00e9stamo. En general, las entidades estiman que <strong>la tasa de endeudamiento no debe superar el 30-35% de los ingresos<\/strong> de una persona.<\/li><li><span style=\"text-decoration: underline;\">Ahorros disponibles:<\/span> Las entidades suelen valorar positivamente que se disponga de ahorros ya que las entidades <strong>no suelen conceder m\u00e1s del 80% del valor de tasaci\u00f3n<\/strong> de la vivienda. Adem\u00e1s, hay gastos relacionados con la operaci\u00f3n que deber\u00e1s afrontar.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d09012d elementor-widget elementor-widget-text-editor\" data-id=\"d09012d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h5><a href=\"https:\/\/asufin.com\/agenda-asufin-seminarios\/\" target=\"_blank\" rel=\"noopener\">\u00a1No te pierdas los seminarios gratuitos de ASUFIN!<\/a><\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bcd4707 elementor-widget elementor-widget-text-editor\" data-id=\"bcd4707\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li><span style=\"text-decoration: underline;\">Tipo de inter\u00e9s:<\/span> Para esta cuesti\u00f3n no hay una respuesta correcta, <strong>se puede elegir tanto el fijo como el variable.<\/strong> Sin embargo, antes de tomar la decisi\u00f3n debes valorar tu situaci\u00f3n personal, tus ingresos actuales y tus perspectivas econ\u00f3micas, tu tolerancia al riesgo, etc. Siempre teniendo en cuenta el factor tiempo, pues las hipotecas son pr\u00e9stamos a muchos a\u00f1os.\u00a0<\/li><li><span style=\"text-decoration: underline;\">Bonificaciones:<\/span> Es habitual que las entidades te presenten una <strong>oferta que incluya bonificaciones en el tipo de inter\u00e9s<\/strong> seg\u00fan el grado de vinculaci\u00f3n que asumas con ellas, pero a veces esto no es lo mejor. Por ello te recomendamos que conozcas tu cuota sin la bonificaci\u00f3n para poder comparar y tomar una decisi\u00f3n m\u00e1s adecuada para tu situaci\u00f3n.\u00a0<\/li><li><span style=\"text-decoration: underline;\">TAE:<\/span> Este es el\u00a0<strong>elemento fundamental para que compares<\/strong> el precio de tu hipoteca, en la que se deben incluir los intereses, comisiones y gastos del pr\u00e9stamo.<\/li><\/ul><p>Toda esta informaci\u00f3n es esencial a la hora de contratar una hipoteca, el banco tiene la obligaci\u00f3n de facilitarte este tipo de datos de forma previa a la firma del contrato para que as\u00ed <strong>tu decisi\u00f3n sea consciente, informada y responsable.\u00a0<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-370aade elementor-widget elementor-widget-text-editor\" data-id=\"370aade\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h5><a href=\"https:\/\/asufin.com\/asufin-te-informa-que-informacion-esta-obligado-tu-banco-a-darte\/\" target=\"_blank\" rel=\"noopener\">ASUFIN te informa: \u00bfQu\u00e9 informaci\u00f3n est\u00e1 obligado tu banco a darte?<\/a><\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-db322e0 elementor-grid-2 elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-posts--thumbnail-top elementor-widget elementor-widget-posts\" data-id=\"db322e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;classic_columns&quot;:&quot;2&quot;,&quot;classic_columns_tablet&quot;:&quot;2&quot;,&quot;classic_columns_mobile&quot;:&quot;1&quot;,&quot;classic_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:35,&quot;sizes&quot;:[]},&quot;classic_row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;classic_row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.classic\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-classic elementor-grid\" role=\"list\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-115047 post type-post status-publish format-standard has-post-thumbnail hentry category-asufin-comunicados category-tarjetas-revolving\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/staging.asufin.com\/staging\/el-supremo-cambia-el-criterio-a-favor-de-la-banca-y-aboca-a-reclamar-las-revolving-por-transparencia\/\" tabindex=\"-1\">\n\t\t\t<div class=\"elementor-post__thumbnail\"><img fetchpriority=\"high\" decoding=\"async\" data-attachment-id=\"115053\" data-permalink=\"https:\/\/staging.asufin.com\/staging\/el-supremo-cambia-el-criterio-a-favor-de-la-banca-y-aboca-a-reclamar-las-revolving-por-transparencia\/revolving-supremo-analisis\/\" data-orig-file=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2023\/03\/revolving-supremo-analisis.jpeg?fit=1000%2C665&amp;ssl=1\" data-orig-size=\"1000,665\" 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=\"revolving-supremo-analisis\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2023\/03\/revolving-supremo-analisis.jpeg?fit=800%2C532&amp;ssl=1\" width=\"300\" height=\"200\" src=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2023\/03\/revolving-supremo-analisis.jpeg?fit=300%2C200&amp;ssl=1\" class=\"attachment-medium size-medium wp-image-115053\" alt=\"\" title=\"\" srcset=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2023\/03\/revolving-supremo-analisis.jpeg?w=1000&amp;ssl=1 1000w, https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2023\/03\/revolving-supremo-analisis.jpeg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2023\/03\/revolving-supremo-analisis.jpeg?resize=768%2C511&amp;ssl=1 768w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/staging.asufin.com\/staging\/el-supremo-cambia-el-criterio-a-favor-de-la-banca-y-aboca-a-reclamar-las-revolving-por-transparencia\/\">\n\t\t\t\tEl Supremo cambia el criterio a favor de la banca y aboca a reclamar las revolving por transparencia\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\t\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>Nuestro an\u00e1lisis revela que el Supremo ha enmendado su criterio, as\u00ed como el de varias audiencias provinciales, a favor de la banca El an\u00e1lisis de<\/p>\n\t\t<\/div>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/staging.asufin.com\/staging\/el-supremo-cambia-el-criterio-a-favor-de-la-banca-y-aboca-a-reclamar-las-revolving-por-transparencia\/\" aria-label=\"M\u00e1s informaci\u00f3n sobre El Supremo cambia el criterio a favor de la banca y aboca a reclamar las revolving por transparencia\" tabindex=\"-1\">\n\t\t\tLeer M\u00e1s &gt;&gt;\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-115055 post type-post status-publish format-standard has-post-thumbnail hentry category-asufin-comunicados category-tarjetas-revolving\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/staging.asufin.com\/staging\/tarjetas-revolving-la-mayoria-de-las-tae-no-integran-todas-las-comisiones-ni-seguros-ni-el-peligroso-interes-compuesto\/\" tabindex=\"-1\">\n\t\t\t<div class=\"elementor-post__thumbnail\"><img decoding=\"async\" data-attachment-id=\"115060\" data-permalink=\"https:\/\/staging.asufin.com\/staging\/tarjetas-revolving-la-mayoria-de-las-tae-no-integran-todas-las-comisiones-ni-seguros-ni-el-peligroso-interes-compuesto\/bodegon-balanza-justicia-1-1\/\" data-orig-file=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2023\/03\/bodegon-balanza-justicia-1-1.jpeg?fit=1000%2C667&amp;ssl=1\" data-orig-size=\"1000,667\" 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=\"bodegon-balanza-justicia-1-1\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2023\/03\/bodegon-balanza-justicia-1-1.jpeg?fit=800%2C534&amp;ssl=1\" width=\"300\" height=\"200\" src=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2023\/03\/bodegon-balanza-justicia-1-1.jpeg?fit=300%2C200&amp;ssl=1\" class=\"attachment-medium size-medium wp-image-115060\" alt=\"\" title=\"\" srcset=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2023\/03\/bodegon-balanza-justicia-1-1.jpeg?w=1000&amp;ssl=1 1000w, https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2023\/03\/bodegon-balanza-justicia-1-1.jpeg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2023\/03\/bodegon-balanza-justicia-1-1.jpeg?resize=768%2C512&amp;ssl=1 768w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/staging.asufin.com\/staging\/tarjetas-revolving-la-mayoria-de-las-tae-no-integran-todas-las-comisiones-ni-seguros-ni-el-peligroso-interes-compuesto\/\">\n\t\t\t\tTarjetas revolving: \u00abLa mayor\u00eda de las TAE no integran todas las comisiones, ni seguros, ni el peligroso inter\u00e9s compuesto\u00bb\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\t\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>A juicio de ASUFIN el mecanismo de amortizaci\u00f3n de las tarjetas revolving ya es usurario en s\u00ed mismo al desencadenar el pago de intereses sobre<\/p>\n\t\t<\/div>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/staging.asufin.com\/staging\/tarjetas-revolving-la-mayoria-de-las-tae-no-integran-todas-las-comisiones-ni-seguros-ni-el-peligroso-interes-compuesto\/\" aria-label=\"M\u00e1s informaci\u00f3n sobre Tarjetas revolving: \u00abLa mayor\u00eda de las TAE no integran todas las comisiones, ni seguros, ni el peligroso inter\u00e9s compuesto\u00bb\" tabindex=\"-1\">\n\t\t\tLeer M\u00e1s &gt;&gt;\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Desde ASUFIN apostamos por la educaci\u00f3n financiera, por ello te ense\u00f1amos 5 consejos para firmar tu primera hipoteca de forma segura.<\/p>\n","protected":false},"author":279,"featured_media":49270,"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":[103],"tags":[],"class_list":["post-63761","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-asufin-comunicados"],"acf":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/03\/Captura-de-pantalla-2020-03-18-a-las-12.13.19.png?fit=2144%2C1430&ssl=1","jetpack_shortlink":"https:\/\/wp.me\/peayLa-gAp","jetpack_likes_enabled":false,"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/posts\/63761","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=63761"}],"version-history":[{"count":37,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/posts\/63761\/revisions"}],"predecessor-version":[{"id":64554,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/posts\/63761\/revisions\/64554"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/media\/49270"}],"wp:attachment":[{"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/media?parent=63761"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/categories?post=63761"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/tags?post=63761"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}