{"id":64370,"date":"2021-05-19T07:51:40","date_gmt":"2021-05-19T07:51:40","guid":{"rendered":"https:\/\/www.asufin.com\/?p=64370"},"modified":"2021-05-19T08:00:21","modified_gmt":"2021-05-19T08:00:21","slug":"hipoteca-tot-el-que-necessites-saber-per-a-sollicitar-la-teva-primera-hipoteca","status":"publish","type":"post","link":"https:\/\/staging.asufin.com\/staging\/ca\/hipoteca-tot-el-que-necessites-saber-per-a-sollicitar-la-teva-primera-hipoteca\/","title":{"rendered":"HIPOTECA: Tot el que necessites saber per a sol\u00b7licitar la teva primera hipoteca"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"64370\" class=\"elementor elementor-64370\">\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\">\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\">\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-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>Des d&#8217;ASUFIN apostem per l&#8217;educaci\u00f3 financera, per aix\u00f2 t&#8217;ensenyem 5 consells per a signar la teva primera hipoteca de manera 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-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>Est\u00e0s pensant en comprar el teu primer habitatge i necessites sol\u00b7licitar una hipoteca? Des d&#8217;ASUFIN volem ajudar-te, per aix\u00f2 et facilitem <strong>5 consells per a prendre una les decisi\u00f3 financera segura.<\/strong><\/p><ul><li><span style=\"text-decoration: underline;\">Capacitat d&#8217;endeutament<\/span>: En primer lloc has d&#8217;analitzar la teva solv\u00e8ncia, ja que el banc no et prestar\u00e0 els diners si no t\u00e9 una seguretat raonable que podr\u00e0s retornar-li-ho. \u00c9s probable que et sol\u00b7licitin el justificant del teu nivell d&#8217;ingressos, el tipus de contracte, l&#8217;antiguitat en l&#8217;empresa fins i tot si ja aquestes pagant un altre pr\u00e9stec. En general, les entitats estimen que <strong>la taxa d&#8217;endeutament no ha de superar el 30-35% dels ingressos<\/strong> d&#8217;una persona.<\/li><li><span style=\"text-decoration: underline;\">Estalvis disponibles:<\/span> Les entitats solen valorar positivament que es disposi d&#8217;estalvis ja que les entitats <strong>no solen concedir m\u00e9s del 80% del valor de taxaci\u00f3<\/strong> de l&#8217;habitatge. A m\u00e9s, hi ha despeses relacionades amb l&#8217;operaci\u00f3 que haur\u00e0s d&#8217;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-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\">No et perdis els seminaris gratu\u00efts d&#8217;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-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;\">Tipus d&#8217;inter\u00e8s<\/span>: Per a aquesta q\u00fcesti\u00f3 no hi ha una resposta correcta, <strong>es pot triar tant el fix com el variable<\/strong>. No obstant aix\u00f2, abans de prendre la decisi\u00f3 has de valorar la teva situaci\u00f3 personal, els teus ingressos actuals i les teves perspectives econ\u00f2miques, la teva toler\u00e0ncia al risc, etc. Sempre tenint en compte el factor temps, perqu\u00e8 les hipoteques s\u00f3n pr\u00e9stecs a molts anys.<\/li><li><span style=\"text-decoration: underline;\">Bonificacions<\/span>: \u00c9s habitual que les entitats et presentin una <strong>oferta que inclogui bonificacions en el tipus d&#8217;inter\u00e8s<\/strong> segons el grau de vinculaci\u00f3 que assumeixis amb elles, per\u00f2 a vegades aix\u00f2 no \u00e9s el millor. Per aix\u00f2 et recomanem que coneguis la teva quota sense la bonificaci\u00f3 per a poder comparar i prendre una decisi\u00f3 m\u00e9s adequada per a la teva situaci\u00f3.<\/li><li><span style=\"text-decoration: underline;\">TAE<\/span>: Aquest \u00e9s l&#8217;<strong>element fonamental perqu\u00e8 comparis<\/strong> el preu de la teva hipoteca, en la qual s&#8217;han d&#8217;incloure els interessos, comissions i despeses del pr\u00e9stec.<\/li><\/ul><p>Tota aquesta informaci\u00f3 \u00e9s essencial a l&#8217;hora de contractar una hipoteca, el banc t\u00e9 l&#8217;obligaci\u00f3 de facilitar-te aquest tipus de dades de manera pr\u00e8via a la signatura del contracte perqu\u00e8 aix\u00ed <strong>la teva decisi\u00f3 sigui conscient, informada i responsable.<\/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-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 T&#8217;INFORMA: Quina informaci\u00f3 est\u00e0 obligat el teu banc a donar-te?<\/a><\/h5>\t\t\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>Des d&#8217;ASUFIN apostem per l&#8217;educaci\u00f3 financera, per aix\u00f2 t&#8217;ensenyem 5 consells per a signar la teva primera hipoteca de manera segura Est\u00e0s pensant en comprar el teu primer habitatge i necessites sol\u00b7licitar una hipoteca? Des d&#8217;ASUFIN volem ajudar-te, per aix\u00f2 et facilitem 5 consells per a prendre una les decisi\u00f3 financera segura. Capacitat d&#8217;endeutament: En [&hellip;]<\/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":[3278],"tags":[],"class_list":["post-64370","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-asufin-comunicats-cat"],"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-gKe","jetpack_likes_enabled":false,"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/posts\/64370","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=64370"}],"version-history":[{"count":7,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/posts\/64370\/revisions"}],"predecessor-version":[{"id":64385,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/posts\/64370\/revisions\/64385"}],"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=64370"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/categories?post=64370"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/tags?post=64370"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}