{"id":2124,"date":"2025-08-05T07:59:00","date_gmt":"2025-08-05T05:59:00","guid":{"rendered":"https:\/\/blog.trioteca.com\/?p=2124"},"modified":"2025-08-07T14:03:10","modified_gmt":"2025-08-07T12:03:10","slug":"que-es-el-interes-moratorio-de-una-hipoteca","status":"publish","type":"post","link":"https:\/\/trioteca.com\/blog\/que-es-el-interes-moratorio-de-una-hipoteca\/","title":{"rendered":"\u00bfQu\u00e9 es el Inter\u00e9s moratorio de una hipoteca?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"2124\" class=\"elementor elementor-2124\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-750d713e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"750d713e\" 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-3c2aaeaa\" data-id=\"3c2aaeaa\" 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-76ec6769 elementor-widget elementor-widget-text-editor\" data-id=\"76ec6769\" 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><!-- wp:paragraph --><\/p>\n<p><span id=\"docs-internal-guid-234ed226-7fff-35ac-c99c-8692d7964744\"><span style=\"font-size: 12pt; background-color: transparent; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; vertical-align: baseline; white-space-collapse: preserve;\">\u00bfQu\u00e9 ocurre si no pago la hipoteca? Si tienes un descuido, <b>puedes encontrarte con que tu entidad te cobre intereses por el impago<\/b>. Es lo que se llama inter\u00e9s moratorio.<\/span><\/span><\/p>\n<p>\u00a0<\/p>\n<p><!-- \/wp:paragraph --><\/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-1474f57 elementor-widget elementor-widget-spacer\" data-id=\"1474f57\" 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-64b8e3a elementor-align-center elementor-widget elementor-widget-button\" data-id=\"64b8e3a\" 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=interesmoratorio&#038;utm_id=interesmoratorioblog\" 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-b09e48f elementor-widget elementor-widget-spacer\" data-id=\"b09e48f\" 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-2c975c7 elementor-widget elementor-widget-text-editor\" data-id=\"2c975c7\" 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><!-- wp:paragraph --><\/p>\n<h2><strong>Tipos de inter\u00e9s de la hipoteca<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">Dentro de la <a href=\"https:\/\/blog.trioteca.com\/escritura-de-hipoteca\/\">escritura de la hipoteca<\/a>, aparecer\u00e1n diferentes tipos de inter\u00e9s. Algunos de ellos son:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">El <strong>tipo de inter\u00e9s nominal o intereses remuneratorios<\/strong>, que son los que pagamos a cambio de que el banco nos preste el dinero.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Inter\u00e9s por <a href=\"https:\/\/blog.trioteca.com\/subrogacion-de-la-hipoteca-que-es-y-que-requisitos-tiene\/\">subrogaci\u00f3n<\/a><\/strong>, que se aplica si <a href=\"https:\/\/blog.trioteca.com\/gastos-cambiar-hipoteca\/\">cambias la hipoteca a otro banco.<\/a><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Inter\u00e9s por <a href=\"https:\/\/blog.trioteca.com\/que-es-la-novacion-de-la-hipoteca\/\">novaci\u00f3n<\/a><\/strong>, que se aplica si <a href=\"https:\/\/blog.trioteca.com\/cambiar-hipoteca-variable-a-fija\/\">renegocias la hipoteca<\/a> con el mismo banco.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Inter\u00e9s por amortizaci\u00f3n anticipada<\/strong>, que se aplica cuando <a href=\"https:\/\/blog.trioteca.com\/amortizacion-de-un-prestamo\/\">devuelves parte del dinero<\/a> antes de lo inicialmente aprobado y es una compensaci\u00f3n por el<a href=\"https:\/\/blog.trioteca.com\/que-es-mejor-reducir-cuota-o-plazo\/\"> beneficio que pierde el banco por los intereses que no podr\u00e1 cobrar.<\/a><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Inter\u00e9s por cancelaci\u00f3n anticipada<\/strong>, que se aplica si cancelas la hipoteca antes de la fecha pactada.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Intereses de demora o inter\u00e9s moratorio<\/strong>, que se aplica cuando se producen impagos.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Para que el banco pueda aplicar cualquiera de estos intereses, estos deben estar reflejados en la escritura de la hipoteca y respetar los l\u00edmites establecidos por la legislaci\u00f3n vigente.<\/span><\/p>\n<p>\u00a0<\/p>\n<h2><strong>\u00bfQu\u00e9 es el inter\u00e9s moratorio?<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">El inter\u00e9s moratorio o inter\u00e9s de demora en una hipoteca <strong>son los intereses que te cobrar\u00e1 el banco si te retrasas en el pago de tu cuota.<\/strong><\/span><\/p>\n<p><span style=\"font-weight: 400;\">Esta penalizaci\u00f3n se aplica desde el primer d\u00eda que te retrasas en el pago como <strong>indemnizaci\u00f3n para la entidad financiera<\/strong>, ya que est\u00e1s incumpliendo el acuerdo que firmaste.<\/span><\/p>\n<p><!-- \/wp:paragraph --><\/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-154073a elementor-widget elementor-widget-spacer\" data-id=\"154073a\" 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-e665ae8 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"e665ae8\" 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=interesmoratorio&#038;utm_id=interesmoratorioblog\" 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-eaebb6d elementor-widget elementor-widget-spacer\" data-id=\"eaebb6d\" 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-2012d87 elementor-widget elementor-widget-text-editor\" data-id=\"2012d87\" 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><!-- wp:paragraph --><\/p>\n<h2><strong>\u00bfCu\u00e1nto pagar\u00e9 de inter\u00e9s moratorio?<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">A diferencia de lo que ocurre con el tipo de inter\u00e9s que pagas por el dinero prestado, <strong>los intereses de demora en una hipoteca se aplican sobre la cuota, no sobre el total de la deuda.<\/strong> Es decir, si por ejemplo tu cuota es de 500\u20ac al mes y te retrasas en el pago de una cuota, el inter\u00e9s moratorio se aplicar\u00e1 a esos 500\u20ac.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">En cuanto al porcentaje de inter\u00e9s de demora,<strong> depender\u00e1 de lo que ponga en la escritura de la hipoteca<\/strong> y siempre y cuando respete los l\u00edmites que marca la <a href=\"https:\/\/blog.trioteca.com\/las-5-cosas-que-debes-saber-sobre-la-nueva-ley-hipotecaria\/\">Ley 5\/2019, reguladora de los contratos de cr\u00e9dito inmobiliario (conocida coloquialmente como Ley Hipotecaria).<\/a><\/span><\/p>\n<h2>\u00a0<\/h2>\n<h3><em>\u00bfCu\u00e1l es el m\u00e1ximo de inter\u00e9s de demora de hipoteca?<\/em><\/h3>\n<p><span style=\"font-weight: 400;\">Seg\u00fan la Ley Hipotecaria, el inter\u00e9s moratorio <strong>no puede ser superior al resultado de sumar tres puntos al tipo de inter\u00e9s que pagas por la hipoteca.<\/strong><\/span><\/p>\n<p>\u00a0<\/p>\n<h2><strong>Las consecuencias de no pagar la hipoteca<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">Siempre podemos tener contratiempos que nos impidan pagar la hipoteca, pero <strong>sostener esto en el tiempo puede traer consecuencias graves.<\/strong> Por eso es esencial estar al d\u00eda de pagos.<\/span><\/p>\n<p>\u00a0<\/p>\n<h3><em>Pagar\u00e1s m\u00e1s<\/em><\/h3>\n<p><span style=\"font-weight: 400;\">Con el ejemplo que pon\u00edamos antes de una hipoteca al 2,5%, si en la escritura se contempla un inter\u00e9s de demora del 3%, acabar\u00edas pagando un 5.5% de inter\u00e9s.<strong> Esto a la larga es mucho dinero as\u00ed que el problema se hace m\u00e1s grande.<\/strong><\/span><\/p>\n<p>\u00a0<\/p>\n<h3><em>Quedar\u00e1 reflejado en tu historial\u00a0<\/em><\/h3>\n<p><span style=\"font-weight: 400;\">Cuando renegociar la hipoteca que tienes con otro banco, o solicitas una nueva, la entidad te pedir\u00e1 varios documentos. Entre ellos tus extractos bancarios recientes. Esto significa que el banco podr\u00eda ver que se ha producido un impago. Y, <strong>tener cualquier impago o descubierto en tu cuenta es s\u00edntoma de riesgo para la entidad, lo que har\u00e1 que autom\u00e1ticamente te deniega la concesi\u00f3n de la hipoteca.\u00a0<\/strong><\/span><\/p>\n<h3>\u00a0<\/h3>\n<h3><em>Otras consecuencias legales<\/em><\/h3>\n<p><span style=\"font-weight: 400;\">Si el impago de la hipoteca se alarga, <strong>adem\u00e1s de pagar intereses de demora te puedes enfrentar a un proceso de embargo.<\/strong> Este es complejo y siempre ir\u00e1 enfocado a tratar de facilitarte el pago si est\u00e1s atravesando una situaci\u00f3n complicada como, por ejemplo, con medidas como una renegociaci\u00f3n de la hipoteca o una pr\u00f3rroga. Pero, si el impago se alarga demasiado, podr\u00edas enfrentarte a una ejecuci\u00f3n hipotecaria, lo que <strong>implicar\u00eda perder la vivienda que sirve como garant\u00eda del pr\u00e9stamo.<\/strong><\/span><\/p>\n<p>Si no puedes hacer frente a la hipoteca, el mejor paso siempre es hablarlo con la entidad m\u00e1s que dejar de pagarla hasta que se pongan en contacto contigo.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><\/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-04437f3 elementor-widget elementor-widget-spacer\" data-id=\"04437f3\" 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-eb60d89 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"eb60d89\" 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\/calculadora?utm_source=blog&#038;utm_medium=boton_agendar&#038;utm_campaign=interesmoratorio&#038;utm_id=interesmoratorioblog\" 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\">Calcular 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-04fd674 elementor-widget elementor-widget-spacer\" data-id=\"04fd674\" 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-f07f36a elementor-widget elementor-widget-text-editor\" data-id=\"f07f36a\" 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><!-- wp:paragraph --><\/p>\n<h2><strong>El seguro de impago de la hipoteca<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">Algunas entidades bancarias te bonificar\u00e1n la cuota si contratas un seguro de impago. Esto es precisamente porque <strong>la entidad obtiene mayor seguridad si contratas este tipo de producto.<\/strong><\/span><\/p>\n<p><span style=\"font-weight: 400;\">El seguro de impago cubrir\u00e1 parte o la totalidad del pago de la hipoteca en algunas situaciones, como por ejemplo si te quedas en paro o sufres un accidente que te incapacite. Suele tener un l\u00edmite de a\u00f1os que cubre.<\/span><\/p>\n<p>Hay <a href=\"https:\/\/blog.trioteca.com\/seguro-de-vida-con-una-hipoteca-%EF%BF%BCrealmente-merecen-la-pena\/\">seguros de vida<\/a> que tambi\u00e9n contemplan esta cobertura, pero como siempre depender\u00e1 de las condiciones de contrataci\u00f3n.<\/p>\n<p><!-- \/wp:paragraph --><\/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;2124&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;1&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 - (1 voto)&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 - (1 voto)    <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u00bfQu\u00e9 ocurre si no pago la hipoteca? Si tienes un descuido, puedes encontrarte con que tu entidad te cobre intereses por el impago. Es lo que se llama inter\u00e9s moratorio.<\/p>\n","protected":false},"author":6,"featured_media":8800,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[45],"tags":[59],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.14 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Inter\u00e9s Moratorio de una Hipoteca. \u00bfQu\u00e9 es? (2023)<\/title>\n<meta name=\"description\" content=\"\u00bfQu\u00e9 ocurre si no pago la hipoteca? tu entidad puede cobrarte intereses por el impago. Es lo que se llama inter\u00e9s moratorio.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/52.31.220.204\/que-es-el-interes-moratorio-de-una-hipoteca\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Inter\u00e9s Moratorio de una Hipoteca. \u00bfQu\u00e9 es? (2023)\" \/>\n<meta property=\"og:description\" content=\"\u00bfQu\u00e9 ocurre si no pago la hipoteca? tu entidad puede cobrarte intereses por el impago. Es lo que se llama inter\u00e9s moratorio.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/52.31.220.204\/que-es-el-interes-moratorio-de-una-hipoteca\/\" \/>\n<meta property=\"og:site_name\" content=\"Trioteca Blog\" \/>\n<meta property=\"article:published_time\" content=\"2025-08-05T05:59:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-08-07T12:03:10+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i0.wp.com\/52.31.220.204\/wp-content\/uploads\/2023\/01\/interes-moratorio-demora-hipoteca.jpg?fit=2561%2C1441&ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"2561\" \/>\n\t<meta property=\"og:image:height\" content=\"1441\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"lunamay\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"lunamay\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/52.31.220.204\/que-es-el-interes-moratorio-de-una-hipoteca\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/52.31.220.204\/que-es-el-interes-moratorio-de-una-hipoteca\/\"},\"author\":{\"name\":\"lunamay\",\"@id\":\"https:\/\/52.31.220.204\/#\/schema\/person\/acc6c1624b6893092ffd514fab4f91e1\"},\"headline\":\"\u00bfQu\u00e9 es el Inter\u00e9s moratorio de una hipoteca?\",\"datePublished\":\"2025-08-05T05:59:00+00:00\",\"dateModified\":\"2025-08-07T12:03:10+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/52.31.220.204\/que-es-el-interes-moratorio-de-una-hipoteca\/\"},\"wordCount\":841,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/52.31.220.204\/#organization\"},\"keywords\":[\"Hipotecas\"],\"articleSection\":[\"Todo sobre hipotecas\"],\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/52.31.220.204\/que-es-el-interes-moratorio-de-una-hipoteca\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/52.31.220.204\/que-es-el-interes-moratorio-de-una-hipoteca\/\",\"url\":\"https:\/\/52.31.220.204\/que-es-el-interes-moratorio-de-una-hipoteca\/\",\"name\":\"Inter\u00e9s Moratorio de una Hipoteca. \u00bfQu\u00e9 es? (2023)\",\"isPartOf\":{\"@id\":\"https:\/\/52.31.220.204\/#website\"},\"datePublished\":\"2025-08-05T05:59:00+00:00\",\"dateModified\":\"2025-08-07T12:03:10+00:00\",\"description\":\"\u00bfQu\u00e9 ocurre si no pago la hipoteca? tu entidad puede cobrarte intereses por el impago. Es lo que se llama inter\u00e9s moratorio.\",\"breadcrumb\":{\"@id\":\"https:\/\/52.31.220.204\/que-es-el-interes-moratorio-de-una-hipoteca\/#breadcrumb\"},\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/52.31.220.204\/que-es-el-interes-moratorio-de-una-hipoteca\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/52.31.220.204\/que-es-el-interes-moratorio-de-una-hipoteca\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/52.31.220.204\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"\u00bfQu\u00e9 es el Inter\u00e9s moratorio de una hipoteca?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/52.31.220.204\/#website\",\"url\":\"https:\/\/52.31.220.204\/\",\"name\":\"Trioteca Blog\",\"description\":\"Blog de TRIOTECA\",\"publisher\":{\"@id\":\"https:\/\/52.31.220.204\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/52.31.220.204\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"es\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/52.31.220.204\/#organization\",\"name\":\"Trioteca Blog\",\"url\":\"https:\/\/52.31.220.204\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\/\/52.31.220.204\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/i0.wp.com\/blog.trioteca.com\/wp-content\/uploads\/2022\/07\/TRIOTECA_LOGO_HOR.png?fit=1534%2C278&ssl=1\",\"contentUrl\":\"https:\/\/i0.wp.com\/blog.trioteca.com\/wp-content\/uploads\/2022\/07\/TRIOTECA_LOGO_HOR.png?fit=1534%2C278&ssl=1\",\"width\":1534,\"height\":278,\"caption\":\"Trioteca Blog\"},\"image\":{\"@id\":\"https:\/\/52.31.220.204\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/52.31.220.204\/#\/schema\/person\/acc6c1624b6893092ffd514fab4f91e1\",\"name\":\"lunamay\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\/\/52.31.220.204\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/cddd13d55a571dfdd574c2178da54c3e?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/cddd13d55a571dfdd574c2178da54c3e?s=96&d=mm&r=g\",\"caption\":\"lunamay\"},\"url\":\"https:\/\/trioteca.com\/blog\/author\/lunamay\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Inter\u00e9s Moratorio de una Hipoteca. \u00bfQu\u00e9 es? (2023)","description":"\u00bfQu\u00e9 ocurre si no pago la hipoteca? tu entidad puede cobrarte intereses por el impago. Es lo que se llama inter\u00e9s moratorio.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/52.31.220.204\/que-es-el-interes-moratorio-de-una-hipoteca\/","og_locale":"es_ES","og_type":"article","og_title":"Inter\u00e9s Moratorio de una Hipoteca. \u00bfQu\u00e9 es? (2023)","og_description":"\u00bfQu\u00e9 ocurre si no pago la hipoteca? tu entidad puede cobrarte intereses por el impago. Es lo que se llama inter\u00e9s moratorio.","og_url":"https:\/\/52.31.220.204\/que-es-el-interes-moratorio-de-una-hipoteca\/","og_site_name":"Trioteca Blog","article_published_time":"2025-08-05T05:59:00+00:00","article_modified_time":"2025-08-07T12:03:10+00:00","og_image":[{"width":2561,"height":1441,"url":"https:\/\/i0.wp.com\/52.31.220.204\/wp-content\/uploads\/2023\/01\/interes-moratorio-demora-hipoteca.jpg?fit=2561%2C1441&ssl=1","type":"image\/jpeg"}],"author":"lunamay","twitter_card":"summary_large_image","twitter_misc":{"Escrito por":"lunamay","Tiempo de lectura":"4 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/52.31.220.204\/que-es-el-interes-moratorio-de-una-hipoteca\/#article","isPartOf":{"@id":"https:\/\/52.31.220.204\/que-es-el-interes-moratorio-de-una-hipoteca\/"},"author":{"name":"lunamay","@id":"https:\/\/52.31.220.204\/#\/schema\/person\/acc6c1624b6893092ffd514fab4f91e1"},"headline":"\u00bfQu\u00e9 es el Inter\u00e9s moratorio de una hipoteca?","datePublished":"2025-08-05T05:59:00+00:00","dateModified":"2025-08-07T12:03:10+00:00","mainEntityOfPage":{"@id":"https:\/\/52.31.220.204\/que-es-el-interes-moratorio-de-una-hipoteca\/"},"wordCount":841,"commentCount":0,"publisher":{"@id":"https:\/\/52.31.220.204\/#organization"},"keywords":["Hipotecas"],"articleSection":["Todo sobre hipotecas"],"inLanguage":"es","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/52.31.220.204\/que-es-el-interes-moratorio-de-una-hipoteca\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/52.31.220.204\/que-es-el-interes-moratorio-de-una-hipoteca\/","url":"https:\/\/52.31.220.204\/que-es-el-interes-moratorio-de-una-hipoteca\/","name":"Inter\u00e9s Moratorio de una Hipoteca. \u00bfQu\u00e9 es? (2023)","isPartOf":{"@id":"https:\/\/52.31.220.204\/#website"},"datePublished":"2025-08-05T05:59:00+00:00","dateModified":"2025-08-07T12:03:10+00:00","description":"\u00bfQu\u00e9 ocurre si no pago la hipoteca? tu entidad puede cobrarte intereses por el impago. Es lo que se llama inter\u00e9s moratorio.","breadcrumb":{"@id":"https:\/\/52.31.220.204\/que-es-el-interes-moratorio-de-una-hipoteca\/#breadcrumb"},"inLanguage":"es","potentialAction":[{"@type":"ReadAction","target":["https:\/\/52.31.220.204\/que-es-el-interes-moratorio-de-una-hipoteca\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/52.31.220.204\/que-es-el-interes-moratorio-de-una-hipoteca\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/52.31.220.204\/"},{"@type":"ListItem","position":2,"name":"\u00bfQu\u00e9 es el Inter\u00e9s moratorio de una hipoteca?"}]},{"@type":"WebSite","@id":"https:\/\/52.31.220.204\/#website","url":"https:\/\/52.31.220.204\/","name":"Trioteca Blog","description":"Blog de TRIOTECA","publisher":{"@id":"https:\/\/52.31.220.204\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/52.31.220.204\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"es"},{"@type":"Organization","@id":"https:\/\/52.31.220.204\/#organization","name":"Trioteca Blog","url":"https:\/\/52.31.220.204\/","logo":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/52.31.220.204\/#\/schema\/logo\/image\/","url":"https:\/\/i0.wp.com\/blog.trioteca.com\/wp-content\/uploads\/2022\/07\/TRIOTECA_LOGO_HOR.png?fit=1534%2C278&ssl=1","contentUrl":"https:\/\/i0.wp.com\/blog.trioteca.com\/wp-content\/uploads\/2022\/07\/TRIOTECA_LOGO_HOR.png?fit=1534%2C278&ssl=1","width":1534,"height":278,"caption":"Trioteca Blog"},"image":{"@id":"https:\/\/52.31.220.204\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/52.31.220.204\/#\/schema\/person\/acc6c1624b6893092ffd514fab4f91e1","name":"lunamay","image":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/52.31.220.204\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/cddd13d55a571dfdd574c2178da54c3e?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/cddd13d55a571dfdd574c2178da54c3e?s=96&d=mm&r=g","caption":"lunamay"},"url":"https:\/\/trioteca.com\/blog\/author\/lunamay\/"}]}},"jetpack_featured_media_url":"https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2023\/01\/interes-moratorio-demora-hipoteca.jpg?fit=2561%2C1441&ssl=1","_links":{"self":[{"href":"https:\/\/trioteca.com\/blog\/wp-json\/wp\/v2\/posts\/2124"}],"collection":[{"href":"https:\/\/trioteca.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/trioteca.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/trioteca.com\/blog\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/trioteca.com\/blog\/wp-json\/wp\/v2\/comments?post=2124"}],"version-history":[{"count":11,"href":"https:\/\/trioteca.com\/blog\/wp-json\/wp\/v2\/posts\/2124\/revisions"}],"predecessor-version":[{"id":8835,"href":"https:\/\/trioteca.com\/blog\/wp-json\/wp\/v2\/posts\/2124\/revisions\/8835"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/trioteca.com\/blog\/wp-json\/wp\/v2\/media\/8800"}],"wp:attachment":[{"href":"https:\/\/trioteca.com\/blog\/wp-json\/wp\/v2\/media?parent=2124"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/trioteca.com\/blog\/wp-json\/wp\/v2\/categories?post=2124"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/trioteca.com\/blog\/wp-json\/wp\/v2\/tags?post=2124"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}