{"id":2479,"date":"2023-10-23T02:42:00","date_gmt":"2023-10-23T01:42:00","guid":{"rendered":"https:\/\/blog.trioteca.com\/?p=2479"},"modified":"2025-12-11T13:15:48","modified_gmt":"2025-12-11T12:15:48","slug":"la-moratoria-hipotecaria","status":"publish","type":"post","link":"https:\/\/trioteca.com\/blog\/la-moratoria-hipotecaria\/","title":{"rendered":"Qu\u00e9 es una moratoria hipotecaria"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"2479\" class=\"elementor elementor-2479\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-24d14314 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"24d14314\" 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-1ab928d8\" data-id=\"1ab928d8\" 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-1be8dc1d elementor-widget elementor-widget-text-editor\" data-id=\"1be8dc1d\" 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;\">La moratoria hipotecaria consiste en un aplazamiento del pago de las cuotas y fue una medida aprobada para ayudar a las personas en situaci\u00f3n de vulnerabilidad durante la pandemia. <\/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-0d9eef2 elementor-widget elementor-widget-spacer\" data-id=\"0d9eef2\" 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-565f378 elementor-widget elementor-widget-text-editor\" data-id=\"565f378\" 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>Que es una moratoria hipotecaria.<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Una moratoria hipotecaria es como <\/span><b>una congelaci\u00f3n de tu hipoteca<\/b><span style=\"font-weight: 400;\">. Se aplaza el pago de las cuotas durante un periodo de tiempo en el que no se puede reclamar al hipotecado ni las cuotas, ni los intereses ni ning\u00fan otro concepto aplicable a la hipoteca.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">La moratoria hipotecaria se aprob\u00f3 en el Real Decreto 11\/2020 y<\/span><b> lo pueden solicitar las personas que, cumpliendo unos requisitos, se considere que est\u00e1n en riesgo de vulnerabilidad econ\u00f3mica<\/b><span style=\"font-weight: 400;\">. Esta moratoria se pod\u00eda solicitar hasta el 30 de marzo de 2021.<\/span><\/p>\n<p>\u00a0<\/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-05087dc elementor-widget elementor-widget-spacer\" data-id=\"05087dc\" 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-dd83731 elementor-widget elementor-widget-text-editor\" data-id=\"dd83731\" 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>Cu\u00e1ndo se puede pedir una moratoria hipotecaria.<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Hay unos requisitos que deben cumplir las personas que quieren solicitar una moratoria hipotecaria y son los siguientes:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Haber sufrido un despido<\/b><span style=\"font-weight: 400;\">, ERTE o reducci\u00f3n de jornada o ser un empresario que haya sufrido una p\u00e9rdida sustancial de ingresos en su negocio.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Que los ingresos de la unidad familiar no superen el l\u00edmite de 3 veces el IPREM.<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/li>\n<\/ol>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Este l\u00edmite aumenta en 0,1 veces por cada persona mayor de 65 a\u00f1os o menor a cargo (0,15 si es una familia monoparental en el caso de los menores).\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tambi\u00e9n aumentar\u00e1 en 4 veces el IPREM si hay un miembro de la unidad familiar con una discapacidad intelectual del 33% o superior, en situaci\u00f3n de dependencia o con una enfermedad que le incapacite para desarrollar una actividad laboral.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Aumentar\u00e1 5 veces el IPREM si el titular sufre una par\u00e1lisis cerebral, enfermedad mental o discapacidad intelectual igual o superior al 33% o discapacidad sensorial o f\u00edsica igual o superior al 65%. Tambi\u00e9n en los casos en los que el\/la titular o su cuidador\/a sufra una enfermedad grave que le incapacite para el desarrollo de una actividad laboral.<\/span><\/li>\n<\/ul>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Que la cuota de hipoteca y otros suministros b\u00e1sicos<\/b><span style=\"font-weight: 400;\">, como el agua y la luz, represente m\u00e1s del 35% de los ingresos de la unidad familiar.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Que, por el impacto de la crisis de la COVID-19<\/b><span style=\"font-weight: 400;\">, su carga hipotecaria se haya visto multiplicada por al menos 1,3 o se haya producido una ca\u00edda de ventas de, al menos, el 40% en su negocio.<\/span><\/li>\n<\/ol>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-708a79c elementor-widget elementor-widget-spacer\" data-id=\"708a79c\" 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-980f660 elementor-widget elementor-widget-html\" data-id=\"980f660\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<a href=\"https:\/\/kavehome.com\/es\/es\/?utm_affaid=TRIOTECA&amp;utm_affbid=b98d781e\" target=\"_top\"><img loading=\"lazy\" src=\"https:\/\/i0.wp.com\/affiliates.kavehome.com\/accounts\/default1\/8wu4x3hbky\/b98d781e.jpg?resize=800%2C206&#038;ssl=1\" alt=\"\" title=\"\" width=\"800\" height=\"206\" data-recalc-dims=\"1\" \/><\/a><img loading=\"lazy\" style=\"border:0\" src=\"https:\/\/affiliates.kavehome.com\/scripts\/8wu4x3hiky?utm_affaid=TRIOTECA&amp;utm_affbid=b98d781e\" width=\"1\" height=\"1\" alt=\"\" \/>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f2d8a6a elementor-widget elementor-widget-spacer\" data-id=\"f2d8a6a\" 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-7fef221 elementor-widget elementor-widget-text-editor\" data-id=\"7fef221\" 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><i>\u00bfSobre qu\u00e9 hipotecas se puede aplicar la moratoria hipotecaria?<\/i><\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Cuando esta medida estaba vigente se pod\u00eda solicitar sobre inmuebles que eran:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Viviendas habituales.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Inmuebles afectados por una actividad econ\u00f3mica.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Segundas viviendas en alquiler del que el propietario haya dejado de recibir la renta por la crisis de la COVID-19.<\/span><\/li>\n<\/ul>\n<h3><b><i>C\u00f3mo solicitar una\u00a0 moratoria hipotecaria.<\/i><\/b><\/h3>\n<p><span style=\"font-weight: 400;\">El 30 de marzo de 2021 finaliz\u00f3 esta medida por lo que, a d\u00eda de hoy, no es posible solicitar una moratoria hipotecaria.\u00a0<\/span><\/p>\n<h3><b><i>Cu\u00e1ndo termina la moratoria hipotecaria.<\/i><\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Las moratorias hipotecarias concedidas desde el 30 de septiembre de 2020, sumadas a cualquier otra suspensi\u00f3n legal, no pod\u00edan durar m\u00e1s de nueve meses.<\/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-7e8c546 elementor-widget elementor-widget-spacer\" data-id=\"7e8c546\" 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-c69505e elementor-widget elementor-widget-text-editor\" data-id=\"c69505e\" 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>Las alternativas a la moratoria hipotecaria.<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Si bien la moratoria hipotecaria ya no es una opci\u00f3n porque es una medida que finaliz\u00f3 en 2021, <\/span><b>s\u00ed podemos pedir un periodo de carencia o hacer un cambio de hipoteca<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h3><b><i>Carencia de hipoteca<\/i><\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Si, por alguna raz\u00f3n, no puedes hacer frente a la cuota de tu hipoteca puedes negociar con tu banco un <\/span><b>aplazamiento del pago del capital, de los intereses o de ambas cosas.<\/b><span style=\"font-weight: 400;\"> Es lo que llamamos una carencia de hipoteca. El periodo de carencia tambi\u00e9n es algo habitual en hipotecas como las <\/span><a href=\"https:\/\/blog.trioteca.com\/todo-lo-que-debes-saber-acerca-de-la-hipoteca-puente\/\"><span style=\"font-weight: 400;\">hipotecas puente<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h3><b><i>Cambio de hipoteca<\/i><\/b><\/h3>\n<p><span style=\"font-weight: 400;\">En una situaci\u00f3n en la que no podemos hacer frente a nuestra hipoteca, tenemos que valorar varias opciones.<\/span><b> Muchas familias se han encontrado con esta problem\u00e1tica por tener uan hipoteca variable<\/b><span style=\"font-weight: 400;\">. En ese caso la soluci\u00f3n, m\u00e1s que una moratoria hipotecaria o un periodo de carencia, es el cambio a tipo fijo.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Con un<\/span><a href=\"https:\/\/blog.trioteca.com\/cambiar-hipoteca-variable-a-fija\/\"><span style=\"font-weight: 400;\"> cambio de hipoteca<\/span><\/a><span style=\"font-weight: 400;\">, adem\u00e1s de pasar a un tipo fijo o mixto, que nos permita tener la tranquilidad de saber que nuestra cuota ser\u00e1 la misma durante mucho tiempo, podremos renegociar otras condiciones. <\/span><b>Por ejemplo, podremos ampliar el plazo de amortizaci\u00f3n o estudiar ofertas con mejores bonificaciones.\u00a0<\/b><\/p>\n<p>\u00a0<\/p>\n<p><span style=\"font-weight: 400;\">Nuestros expertos hipotecarios te acompa\u00f1ar\u00e1n en todo el proceso de cambio de hipoteca. Adem\u00e1s, como no queremos convertirnos en un gasto m\u00e1s cuando tu objetivo es ahorrar, nuestro <\/span><b>servicio es 100% gratuito.\u00a0<\/b><\/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-7c86e72 elementor-widget elementor-widget-spacer\" data-id=\"7c86e72\" 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-3d3d809 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"3d3d809\" 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=moratoria&#038;utm_id=moratoriablog\" class=\"elementor-button-link elementor-button elementor-size-sm\" role=\"button\">\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\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;2479&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;0&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;0&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;0\\\/5 - (0 votos)&quot;,&quot;size&quot;:&quot;24&quot;,&quot;width&quot;:&quot;0&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: 0px;\">\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            <span class=\"kksr-muted\">Que te ha parecido este art\u00edculo?<\/span>\n    <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u00bfSabes que es una moratoria hipotecaria? A continuaci\u00f3n te explicaremos todo lo que necesitas saber sobre ella.\ud83d\udce2<\/p>\n","protected":false},"author":1,"featured_media":4471,"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>Qu\u00e9 es una moratoria hipotecaria<\/title>\n<meta name=\"description\" content=\"\u00bfSabes que es una moratoria hipotecaria? 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