{"id":1549,"date":"2025-05-28T11:19:00","date_gmt":"2025-05-28T09:19:00","guid":{"rendered":"https:\/\/blog.trioteca.com\/?p=1549"},"modified":"2025-06-03T18:20:13","modified_gmt":"2025-06-03T16:20:13","slug":"cual-es-la-comision-de-apertura-de-una-hipoteca","status":"publish","type":"post","link":"https:\/\/trioteca.com\/blog\/cual-es-la-comision-de-apertura-de-una-hipoteca\/","title":{"rendered":"\u00bfCu\u00e1l es la comisi\u00f3n de apertura de una hipoteca?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1549\" class=\"elementor elementor-1549\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-72493840 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"72493840\" 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-53184d8b\" data-id=\"53184d8b\" 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-6ee4b34 elementor-widget elementor-widget-text-editor\" data-id=\"6ee4b34\" 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<!-- wp:paragraph -->\n<p><span style=\"font-weight: 400;\">Algunas entidades cobran unos honorarios por gestionar la hipoteca; la conocida como \u201ccomisi\u00f3n de apertura\u201d. \u00bfEs legal la comisi\u00f3n de apertura? Ve\u00e1moslo.<\/span><\/p>\n<!-- \/wp:paragraph -->\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b301dd6 elementor-widget elementor-widget-spacer\" data-id=\"b301dd6\" 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-96cb73a elementor-align-center elementor-widget elementor-widget-button\" data-id=\"96cb73a\" 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_agendar&#038;utm_campaign=comisionapertura&#038;utm_id=comisionaperturablog\" 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-78ff272 elementor-widget elementor-widget-spacer\" data-id=\"78ff272\" 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-e443f11 elementor-widget elementor-widget-text-editor\" data-id=\"e443f11\" 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<!-- wp:paragraph -->\n<h2><strong>Qu\u00e9 es la comisi\u00f3n de apertura<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">La comisi\u00f3n de apertura es una comisi\u00f3n que algunos bancos cobran cuando formalizan un pr\u00e9stamo hipotecario. <strong>Este cobro inicial busca cubrir los gastos de<\/strong>:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">El estudio del perfil y el an\u00e1lisis de riesgos<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">La tramitaci\u00f3n de la documentaci\u00f3n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tareas de apertura del expediente hipotecario<\/span><\/li>\n<\/ul>\n<p>\u00a0<\/p>\n<p><span style=\"font-weight: 400;\">En resumen, viene a cubrir el trabajo hecho por el banco para gestionar la hipoteca.<\/span><\/p>\n<p>\u00a0<\/p>\n<h2><strong>\u00bfCu\u00e1nto cuesta la comisi\u00f3n de apertura de una hipoteca?<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">Esto depender\u00e1 de lo que acuerde la entidad y la persona que firma la hipoteca pero <strong>no suele costar m\u00e1s de un 2%, si la hay.<\/strong><\/span><\/p>\n<p><span style=\"font-weight: 400;\">El porcentaje y la cantidad que pagar\u00edas vendr\u00e1 especificado en la <a href=\"https:\/\/blog.trioteca.com\/que-es-con-exactitud-la-fein-de-una-hipoteca\/\">FEIN.<\/a><\/span><\/p>\n<!-- \/wp:paragraph -->\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ba74929 elementor-widget elementor-widget-spacer\" data-id=\"ba74929\" 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-7a77539 elementor-aspect-ratio-169 elementor-widget elementor-widget-video\" data-id=\"7a77539\" data-element_type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/watch?v=89fmAIxbvmc&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-4179d8e elementor-widget elementor-widget-spacer\" data-id=\"4179d8e\" 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-69a8583 elementor-widget elementor-widget-text-editor\" data-id=\"69a8583\" 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<!-- wp:paragraph -->\n<h2><strong>\u00bfCu\u00e1ndo se paga la comisi\u00f3n por apertura y qui\u00e9n la paga?<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">La comisi\u00f3n de apertura, de haberla, se pagar\u00eda al inicio de la hipoteca, una vez ya se ha formalizado. O, te lo descontar\u00e1n del capital prestado. Por ejemplo, si pides una hipoteca con un <a href=\"https:\/\/blog.trioteca.com\/hipoteca-de-100-000e-que-necesito\/\">nominal de 100.000\u20ac<\/a> y la comisi\u00f3n por apertura es de un 1% pagar\u00edas 1.000\u20ac de comisi\u00f3n de apertura.<strong> Si la entidad lo descuenta del capital, te dar\u00edan 149.000\u20ac.<\/strong><\/span><\/p>\n<p>\u00a0<\/p>\n<h2><strong>La pregunta del mill\u00f3n \u00bfes legal la comisi\u00f3n de apertura?<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">En 2019 se aprob\u00f3 la coloquialmente conocida como <a href=\"https:\/\/blog.trioteca.com\/las-5-cosas-que-debes-saber-sobre-la-nueva-ley-hipotecaria\/\">\u201cley hipotecaria\u201d<\/a>. Esta, entre otras medidas, contempla que los gastos derivados de la <a href=\"https:\/\/blog.trioteca.com\/escritura-de-hipoteca\/\">escritura de la hipoteca<\/a> los pagar\u00e1 el banco. Estos son, concretamente:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>La <a href=\"https:\/\/blog.trioteca.com\/que-gastos-notariales-supone-la-firma-de-una-hipoteca\/\">notar\u00eda<\/a><\/strong><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">La gestor\u00eda<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">y el Registro en el <a href=\"https:\/\/blog.trioteca.com\/registro-de-la-propiedad\/\">Registro de la Propiedad<\/a><\/span><\/li>\n<\/ul>\n<p>\u00a0<\/p>\n<!-- \/wp:paragraph -->\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4593f37 elementor-widget elementor-widget-spacer\" data-id=\"4593f37\" 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-835c3a5 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"835c3a5\" 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=comisionapertura&#038;utm_id=comisionaperturablog\" 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-b6ee461 elementor-widget elementor-widget-spacer\" data-id=\"b6ee461\" 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-7b6d8be elementor-widget elementor-widget-text-editor\" data-id=\"7b6d8be\" 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<!-- wp:paragraph -->\n<p><span style=\"font-weight: 400;\">Sin embargo, <strong>la comisi\u00f3n de apertura ha desaparecido casi por completo<\/strong> y son pocas las entidades que la incluyen. Por lo general, si contratas una hipoteca, no pagar\u00e1s una comisi\u00f3n por apertura.<\/span><\/p>\n<p>\u00a0<\/p>\n<h2><strong>\u00bfSe puede reclamar la comisi\u00f3n por apertura?<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">S\u00f3lo se podr\u00e1 r<a href=\"https:\/\/blog.trioteca.com\/que-gastos-se-pueden-reclamar-de-la-hipoteca-2022\/\">eclamar la comisi\u00f3n de apertura<\/a> en los casos en los que esta sea abusiva. Por ejemplo, <strong>si la aplicaci\u00f3n de un porcentaje implica un gran desequilibrio para el consumidor<\/strong>, o si no est\u00e1 reflejada con transparencia en la FEIN y la escritura.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pero, <strong>en normas generales, la comisi\u00f3n de apertura respeta tanto la legislaci\u00f3n espa\u00f1ola, como la legislaci\u00f3n europea.<\/strong><\/span><\/p>\n<p><span style=\"font-weight: 400;\">En las reclamaciones de comisi\u00f3n de apertura el juez valorar\u00e1:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Si la cl\u00e1usula es clara y comprensible<\/strong>, de forma que el consumidor medio entienda lo que supone.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Si respeta los principios<\/strong> de buena fe y equilibrio entre las partes.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Si<\/strong> efectivamente l<strong>os servicios<\/strong> que se est\u00e1n cobrando al consumidor<strong> les fueron ofrecidos<\/strong> y la entidad tuvo unos gastos reales.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A veces la comparar\u00e1 con el coste medio de las comisiones de apertura del mercado, aunque este punto por si solo, si se han respetado todos los anteriores, no se considerar\u00eda definitivo.<\/span><\/li>\n<\/ul>\n<p>\u00a0<\/p>\n<h2><strong>\u00bfC\u00f3mo evitar la comisi\u00f3n por apertura?<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">Como todo lo relativo a las condiciones de tu hipoteca,<strong> el cambio est\u00e1 en la negociaci\u00f3n<\/strong>. Si s\u00f3lo pides informaci\u00f3n en tu banco de toda la vida y te cierras a comparar lo que te ofrecen con lo que te pueden ofrecer otras entidades, puede que acabes pagando comisiones o bonificaciones que en otra entidad no hubieses tenido.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Por eso, es importante comparar. Y m\u00e1s importante hacerlo de la mano de un experto hipotecario con la capacidad de negociar con los bancos para mejorar lo que inicialmente te ofrecen. <strong>En Trioteca, tendr\u00e1s este servicio gratis<\/strong>, porque lo pagar\u00e1 el banco con el que firmes y bajo ning\u00fan concepto podr\u00e1 repercutirlo en tu cuota.<\/span><\/p>\n<!-- \/wp:paragraph -->\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-34bb47f elementor-widget elementor-widget-spacer\" data-id=\"34bb47f\" 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-28a3132 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"28a3132\" 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\/solicitar-hipoteca?utm_source=blog&#038;utm_medium=boton_agendar&#038;utm_campaign=comisionapertura&#038;utm_id=comisionaperturablog\" 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\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;1549&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;2&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;5&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;5\\\/5 - (2 votos)&quot;,&quot;size&quot;:&quot;24&quot;,&quot;width&quot;:&quot;142.5&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: 142.5px;\">\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            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\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            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\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    <\/div>\n<\/div>\n    \n\n<div class=\"kksr-legend\" style=\"font-size: 19.2px;\">\n            5\/5 - (2 votos)    <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u00bfEs legal la comisi\u00f3n de apertura? Esta comisi\u00f3n que, aunque pocas, algunas entidades contemplan ha generado siempre mucha controversia.<\/p>\n","protected":false},"author":6,"featured_media":8613,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[46],"tags":[63,59,42],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.14 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u00bfQu\u00e9 es la comisi\u00f3n de apertura de una Hipoteca?<\/title>\n<meta name=\"description\" content=\"\u00bfEs legal la comisi\u00f3n de apertura? 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