{"id":1392,"date":"2024-05-27T11:12:00","date_gmt":"2024-05-27T10:12:00","guid":{"rendered":"https:\/\/blog.trioteca.com\/?p=1392"},"modified":"2024-12-02T18:21:17","modified_gmt":"2024-12-02T17:21:17","slug":"provision-de-fondos-de-una-hipoteca","status":"publish","type":"post","link":"https:\/\/trioteca.com\/blog\/provision-de-fondos-de-una-hipoteca\/","title":{"rendered":"Provisi\u00f3n de fondos de una hipoteca \u00bfQu\u00e9 es y c\u00f3mo funciona?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1392\" class=\"elementor elementor-1392\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2591415c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2591415c\" 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-4cedf66c\" data-id=\"4cedf66c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-48ec7d91 elementor-widget elementor-widget-text-editor\" data-id=\"48ec7d91\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.7.2 - 21-08-2022 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#818a91;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#818a91;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p><span style=\"font-weight: 400;\">En varias ocasiones hemos hablado de los <a href=\"https:\/\/blog.trioteca.com\/gastos-de-comprar-viviennda\/\">gastos de una hipoteca<\/a>; los impuestos, la escritura de compraventa, la tasaci\u00f3n, etc. Para asegurar que tengas el dinero necesario para cubrirlos, ser\u00e1 necesario hacer una previsi\u00f3n de fondos.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6c2b8c1 elementor-widget elementor-widget-spacer\" data-id=\"6c2b8c1\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.7.2 - 21-08-2022 *\/\n.elementor-column .elementor-spacer-inner{height:var(--spacer-size)}.e-container{--container-widget-width:100%}.e-container>.elementor-widget-spacer{width:var(--container-widget-width,var(--spacer-size));-ms-flex-item-align:stretch;align-self:stretch;-ms-flex-negative:0;flex-shrink:0}.e-container>.elementor-widget-spacer>.elementor-widget-container,.e-container>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer{height:100%}.e-container>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer>.elementor-spacer-inner{height:var(--container-widget-height,var(--spacer-size))}<\/style>\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d78fd57 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"d78fd57\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a href=\"https:\/\/trioteca.com\/agendar-cita?utm_source=blog&#038;utm_medium=boton_agendar&#038;utm_campaign=provisiondefondos&#038;utm_id=provisiondefondos\" class=\"elementor-button-link elementor-button elementor-size-sm\" role=\"button\" id=\"agenda-llamadablog\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Agenda una llamada con un gestor<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c8475e2 elementor-widget elementor-widget-spacer\" data-id=\"c8475e2\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-60cf3cf elementor-widget elementor-widget-text-editor\" data-id=\"60cf3cf\" 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<h2><b>Qu\u00e9 es la provisi\u00f3n de fondos<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Cuando vas a comprar un piso con una hipoteca, una vez <strong>preaprobada la hipoteca<\/strong>, el banco guardar\u00e1 el ahorro que aportas para los impuestos, la tasaci\u00f3n y la notar\u00eda. Esto es lo que conocemos como previsi\u00f3n de fondos de una hipoteca.<\/span><\/p>\n<h2><b>Los gastos que incluye la previsi\u00f3n de fondos de la hipoteca<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Los gastos que se contemplan en la previsi\u00f3n de fondos son los siguientes:<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1ad6973 elementor-widget elementor-widget-text-editor\" data-id=\"1ad6973\" 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<h3><b>Impuestos<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Al comprar una vivienda pagaremos algunos impuestos. Por un lado, <strong>dependiendo de si compramos una vivienda usada o una vivienda nueva<\/strong>, pagaremos el Impuesto sobre Transmisiones Patrimoniales, en el primer caso, y el IVA, en el segundo. El<a href=\"https:\/\/blog.trioteca.com\/que-es-itp\/\"> ITP<\/a> depender\u00e1 de la comunidad aut\u00f3noma. El IVA es siempre del 10%.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Por otro lado, todo lo que se firma ante notario implica el pago del Impuesto de <strong>Actos Jur\u00eddicos Documentados<\/strong>, que tambi\u00e9n depender\u00e1 de la Comunidad Aut\u00f3noma. Suele oscilar entre el 0,5% y el 1,5%.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-75550c1 elementor-widget elementor-widget-spacer\" data-id=\"75550c1\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d624aa0 elementor-widget elementor-widget-spacer\" data-id=\"d624aa0\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-710f549 elementor-widget elementor-widget-text-editor\" data-id=\"710f549\" 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<h3><b>La tasaci\u00f3n de la vivienda<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Al solicitar una hipoteca, tendremos que tasar el inmueble. Este gasto suele costar entre<a href=\"https:\/\/blog.trioteca.com\/tasaciones-hipotecarias\/\"> 250 y 500\u20ac.<\/a><\/span><\/p>\n<h3><b>Los gastos de notar\u00eda y gestor\u00eda<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Como comprador, tienes que pagar los gastos de la <a href=\"https:\/\/blog.trioteca.com\/escritura-de-una-vivienda\/\">escritura de compraventa.<\/a> Por lo tanto, <strong>en la provisi\u00f3n de fondos se incluyen los gastos de notar\u00eda y gesti\u00f3n de la misma<\/strong>, como de su inscripci\u00f3n en el Registro de la Propiedad.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Los gastos de la escritura de la hipoteca son responsabilidad del banco con el que la firmas.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e00ff6 elementor-widget elementor-widget-spacer\" data-id=\"7e00ff6\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-808a6f5 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"808a6f5\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a href=\"https:\/\/www.trioteca.com\/simular-hipoteca?utm_source=blog&#038;utm_medium=boton_nueva&#038;utm_campaign=provisiondefondos&#038;utm_id=provisiondefondos\" class=\"elementor-button-link elementor-button elementor-size-sm\" role=\"button\" id=\"simula-blog\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Simular hipoteca<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d4c2c75 elementor-widget elementor-widget-spacer\" data-id=\"d4c2c75\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-44e60cc elementor-aspect-ratio-169 elementor-widget elementor-widget-video\" data-id=\"44e60cc\" data-element_type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/watch?v=6MLhit7aNzg&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;,&quot;aspect_ratio&quot;:&quot;169&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.7.2 - 21-08-2022 *\/\n.elementor-widget-video .elementor-widget-container{overflow:hidden;-webkit-transform:translateZ(0);transform:translateZ(0)}.elementor-widget-video .elementor-open-inline .elementor-custom-embed-image-overlay{position:absolute;top:0;left:0;width:100%;height:100%;background-size:cover;background-position:50%}.elementor-widget-video .elementor-custom-embed-image-overlay{cursor:pointer;text-align:center}.elementor-widget-video .elementor-custom-embed-image-overlay:hover .elementor-custom-embed-play i{opacity:1}.elementor-widget-video .elementor-custom-embed-image-overlay img{display:block;width:100%}.elementor-widget-video .e-hosted-video .elementor-video{-o-object-fit:cover;object-fit:cover}.e-container>.elementor-widget-video{width:var(--container-widget-width,100%)}<\/style>\t\t<div class=\"elementor-wrapper elementor-fit-aspect-ratio elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-29f6070 elementor-widget elementor-widget-spacer\" data-id=\"29f6070\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5174e01 elementor-widget elementor-widget-text-editor\" data-id=\"5174e01\" 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<h2><b>\u00bfQui\u00e9n se encarga de contabilizar la provisi\u00f3n de fondos?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Al comprar tu vivienda con una hipoteca, <strong>ser\u00e1 el banco quien se ocupar\u00e1 de hacer una previsi\u00f3n de los gastos.<\/strong> Normalmente, los bancos suelen hacer los c\u00e1lculos al alza para que no te encuentres con imprevistos.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Una vez firmada la compraventa y pagados los gastos, la entidad financiera har\u00e1 la liquidaci\u00f3n de fondos y te la enviar\u00e1 para que la apruebes. <strong>Si sobra dinero, lo que es muy habitual, se te ingresar\u00e1 en tu cuenta corriente.<\/strong><\/span><\/p>\n<p><span style=\"font-weight: 400;\">La liquidaci\u00f3n de la provisi\u00f3n de fondos puede tardar unos meses as\u00ed que no te preocupes si pasa un tiempo y a\u00fan no tienes noticias.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b61fb07 elementor-widget elementor-widget-text-editor\" data-id=\"b61fb07\" 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<h2><b>\u00bfDe qu\u00e9 depende la provisi\u00f3n de fondos?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Esta previsi\u00f3n de los gastos se calcula teniendo en cuenta el precio de compraventa de la vivienda. Los gastos por comprar un piso suelen rondar <strong>entre el 10 y el 12% dependiendo de la Comunidad Aut\u00f3noma.\u00a0<\/strong><\/span><\/p>\n<p>Esta diferencia se debe en gran parte al ITP ya que<strong> las diferencias entre unas comunidades aut\u00f3nomas y otras son muy grandes<\/strong>. Por ejemplo, mientras el ITP en Barcelona es del 10%, en el Pa\u00eds Vasco es del 4%.<\/p>\n<p><span style=\"font-weight: 400;\"><strong>No tenemos que confundir la provisi\u00f3n de fondos de la hipoteca con la entrada.<\/strong> La primera se refiere a los gastos de la compraventa. En cambio, la entrada es la parte de capital que aportamos a la compraventa, que se descuenta del precio para calcular el porcentaje de endeudamiento. Lo ideal para conseguir las mejores ofertas de hipoteca del mercado es comprar con una financiaci\u00f3n del 80% del precio.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-25ac5b1 elementor-widget elementor-widget-spacer\" data-id=\"25ac5b1\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-af4e1f4 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"af4e1f4\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a href=\"https:\/\/www.trioteca.com\/descubrir-hipoteca?utm_source=blog&#038;utm_medium=boton_mejora&#038;utm_campaign=comprarmitaddelavivienda&#038;utm_id=comprarmitaddelavivienda\" class=\"elementor-button-link elementor-button elementor-size-sm\" role=\"button\" id=\"mejora-blog\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Mejora tu hipoteca<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e345bf7 elementor-widget elementor-widget-spacer\" data-id=\"e345bf7\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e08799e elementor-widget elementor-widget-text-editor\" data-id=\"e08799e\" 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<p><span style=\"font-weight: 400;\">\u00bfTienes dudas a la hora de calcular los gastos de la compraventa? <strong>No te preocupes porque en Trioteca te ayudamos a calcularlos<\/strong> para que te asegures de que la vivienda que reserves entra dentro de tu presupuesto.<\/span><\/p>\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\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t\n\n<div class=\"kk-star-ratings kksr-auto kksr-align-right kksr-valign-bottom\"\n    data-payload=\"{&quot;align&quot;:&quot;right&quot;,&quot;id&quot;:&quot;1392&quot;,&quot;slug&quot;:&quot;default&quot;,&quot;valign&quot;:&quot;bottom&quot;,&quot;ignore&quot;:&quot;&quot;,&quot;reference&quot;:&quot;auto&quot;,&quot;class&quot;:&quot;&quot;,&quot;count&quot;:&quot;129&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;4.3&quot;,&quot;best&quot;:&quot;5&quot;,&quot;gap&quot;:&quot;5&quot;,&quot;greet&quot;:&quot;Que te ha parecido este art\\u00edculo?&quot;,&quot;legend&quot;:&quot;4.3\\\/5 - (129 votos)&quot;,&quot;size&quot;:&quot;24&quot;,&quot;width&quot;:&quot;122.2&quot;,&quot;_legend&quot;:&quot;{score}\\\/{best} - ({count} {votes})&quot;,&quot;font_factor&quot;:&quot;1.25&quot;}\">\n    \n<div class=\"kksr-stars\">\n    \n<div class=\"kksr-stars-inactive\">\n            <div class=\"kksr-star\" data-star=\"1\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"2\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"3\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"4\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"5\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n    <\/div>\n    \n<div class=\"kksr-stars-active\" style=\"width: 122.2px;\">\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n 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