{"id":4958,"date":"2023-12-27T08:44:00","date_gmt":"2023-12-27T07:44:00","guid":{"rendered":"https:\/\/blog.trioteca.com\/?p=4958"},"modified":"2025-08-11T11:47:30","modified_gmt":"2025-08-11T09:47:30","slug":"cambio-de-hipoteca-2024","status":"publish","type":"post","link":"https:\/\/trioteca.com\/blog\/cambio-de-hipoteca-2024\/","title":{"rendered":"Tu cambio de hipoteca ser\u00e1 gratis tambi\u00e9n en 2024"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"4958\" class=\"elementor elementor-4958\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1f47b547 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1f47b547\" 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-483d6748\" data-id=\"483d6748\" 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-2980efb2 elementor-widget elementor-widget-text-editor\" data-id=\"2980efb2\" 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;\">Este mi\u00e9rcoles 27 de diciembre de 2023 <\/span><b>el Consejo de Ministros ha aprobado la pr\u00f3rroga de algunas de las medidas del escudo social. <\/b><span style=\"font-weight: 400;\">Tras una negociaci\u00f3n entre los socios de gobierno, finalmente se ha llegado a un acuerdo respecto a qu\u00e9 medidas se mantendr\u00e1n durante 6 meses m\u00e1s y cu\u00e1les finalizar\u00e1n este 31 de diciembre.<\/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-1ee2889 elementor-widget elementor-widget-spacer\" data-id=\"1ee2889\" 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-04f9c08 elementor-widget elementor-widget-text-editor\" data-id=\"04f9c08\" 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>Cambiar una hipoteca variable seguir\u00e1 siendo gratis<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Las medidas aprobadas para paliar el impacto del aumento del <\/span><a href=\"https:\/\/blog.trioteca.com\/que-es-el-euribor-y-como-funciona-en-las-hipotecas\/\"><span style=\"font-weight: 400;\">Eur\u00edbor<\/span><\/a><span style=\"font-weight: 400;\"> en las familias con una <\/span><a href=\"https:\/\/blog.trioteca.com\/revision-de-hipoteca\/\"><span style=\"font-weight: 400;\">hipoteca variable <\/span><\/a><span style=\"font-weight: 400;\">se mantendr\u00e1n durante todo el a\u00f1o 2024. Por lo tanto, no tendr\u00e1s que pagar comisiones ni de amortizaci\u00f3n anticipada, ni de <\/span><a href=\"https:\/\/blog.trioteca.com\/cancelar-tu-hipoteca\/\"><span style=\"font-weight: 400;\">cancelaci\u00f3n<\/span><\/a><span style=\"font-weight: 400;\">, ni de <\/span><a href=\"https:\/\/blog.trioteca.com\/subrogacion-de-la-hipoteca-que-es-y-que-requisitos-tiene\/\"><span style=\"font-weight: 400;\">subrogaci\u00f3n<\/span><\/a><span style=\"font-weight: 400;\">, si <\/span><a href=\"https:\/\/blog.trioteca.com\/gastos-cambiar-hipoteca\/\"><span style=\"font-weight: 400;\">cambias tu <\/span><\/a><span style=\"font-weight: 400;\">hipoteca variable a fija. Todas las comisiones quedan canceladas cuando se trata de este cambio de hipoteca.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Se a\u00f1aden adem\u00e1s los cambios a <\/span><a href=\"https:\/\/blog.trioteca.com\/que-es-una-hipoteca-mixta-y-cuales-son-sus-requisitos\/\"><span style=\"font-weight: 400;\">tipo mixto<\/span><\/a><span style=\"font-weight: 400;\">. Y es que, esta norma s\u00f3lo se aplicaba a las hipotecas que pasaban de variable a fija pero, a partir del 1 de enero, tambi\u00e9n ser\u00e1n gratuitos los cambios de variable a mixta.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">El tipo mixto cerr\u00f3 noviembre con un tipo en su periodo <\/span><a href=\"https:\/\/blog.trioteca.com\/centro-de-estudios-trioteca-noviembre-2023-2\/\"><span style=\"font-weight: 400;\">fijo del 2,52%, convirti\u00e9ndose en la mejor alternativa frente al tipo fijo, que se ubicaba ya en el 3.05%.<\/span><\/a><\/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-637b74c elementor-widget elementor-widget-spacer\" data-id=\"637b74c\" 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-9226af8 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"9226af8\" 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=cambiohipoteca&#038;utm_id=cambiohipotecablog\" 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\">Cambia tu hipoteca gratis<\/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-dccc77a elementor-widget elementor-widget-spacer\" data-id=\"dccc77a\" 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-0e7e4d2 elementor-aspect-ratio-169 elementor-widget elementor-widget-video\" data-id=\"0e7e4d2\" data-element_type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/watch?v=wniihV_2CSA&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-721aece elementor-widget elementor-widget-spacer\" data-id=\"721aece\" 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-691fd40 elementor-widget elementor-widget-text-editor\" data-id=\"691fd40\" 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>IVA Reducido en Alimentos B\u00e1sicos.<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Los alimentos de primera necesidad, como huevos, leche o harina, mantendr\u00e1n el IVA reducido del 4 al 0% hasta junio. El aceite y la pasta se mantendr\u00e1n con un IVA reducido del 10 al 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-91bd448 elementor-widget elementor-widget-spacer\" data-id=\"91bd448\" 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-97be1e0 elementor-widget elementor-widget-text-editor\" data-id=\"97be1e0\" 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>Prohibici\u00f3n de los desahucios<\/b><\/h2><p><span style=\"font-weight: 400;\"><strong>Se proh\u00edben los desahucios durante todo 2024 para personas en situaci\u00f3n de vulnerabilidad.<\/strong> Esta medida fue acordada con EH Bildu y es la principal en materia de la vivienda dentro del paquete de medidas. Ya vigente desde la pandemia, esta medida se prorroga un a\u00f1o m\u00e1s.<\/span><\/p><p><span style=\"font-weight: 400;\"><strong>Para poder acogerse a esta prohibici\u00f3n, las personas arrendatarias deber\u00e1n demostrar su situaci\u00f3n de vulnerabilidad, siendo acreditada por los Servicios Sociales.<\/strong> Adem\u00e1s, sus ingresos familiares no pueden superar 3 veces el Indicador P\u00fablico de Renta de Efectos M\u00faltiples mensual, salvo en el caso de que tengan menores o personas con discapacidad al cargo, en cuyo caso se extiende la limitaci\u00f3n.<\/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-1eb2137 elementor-widget elementor-widget-spacer\" data-id=\"1eb2137\" 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-f046e22 elementor-widget elementor-widget-text-editor\" data-id=\"f046e22\" 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>Ingreso M\u00ednimo Vital<\/b><\/h2><p><span style=\"font-weight: 400;\">Pedro S\u00e1nchez ha anunciado tambi\u00e9n la posibilidad de que las Comunidades Aut\u00f3nomas gestionen el Ingreso M\u00ednimo Vital. Si as\u00ed lo solicitan, los gobiernos auton\u00f3micos estar\u00e1n al cargo de su tramitaci\u00f3n, reconocimiento y pago.<\/span><\/p><p><strong>Actualmente s\u00f3lo el Pa\u00eds Vasco y Navarra han solicitado la gesti\u00f3n del Ingreso M\u00ednimo Vital.<\/strong><\/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-73ddde2 elementor-widget elementor-widget-spacer\" data-id=\"73ddde2\" 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-34ccb3f elementor-widget elementor-widget-html\" data-id=\"34ccb3f\" 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-151f285 elementor-widget elementor-widget-spacer\" data-id=\"151f285\" 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-59655a0 elementor-widget elementor-widget-text-editor\" data-id=\"59655a0\" 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>Aumento del IVA de la energ\u00eda<\/b><\/h2><p><span style=\"font-weight: 400;\">La disminuci\u00f3n del IVA de la luz al 5% que se aprob\u00f3 en 2021 finalizar\u00e1 este 31 de diciembre, aumentando hasta el 10% durante todo 2024. en cuanto al gas, <strong>el IVA pasar\u00e1 del 5 al 10% en los primeros 6 meses del a\u00f1o<\/strong> y despu\u00e9s volver\u00e1 al 21% previo a estas medidas.<\/span><\/p><p><span style=\"font-weight: 400;\">En cuanto al impuesto especial a la electricidad pasar\u00e1 del 2,5% en el primer trimestre al 3,8% en el segundo trimestre. En el tercer trimestre volver\u00e1 al 5,11% original. El impuesto a la producci\u00f3n ser\u00e1 del 3,5% el primer trimestre, 5,25% el segundo y 7% el tercero.<\/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-42ef703 elementor-widget elementor-widget-spacer\" data-id=\"42ef703\" 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-ee767f2 elementor-widget elementor-widget-text-editor\" data-id=\"ee767f2\" 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>Impuesto a los beneficios extraordinarios de las energ\u00e9ticas<\/b><\/h2><p><span style=\"font-weight: 400;\">Este Impuesto, nacido en 2022, fue uno de los grandes temas de debate entre PSOE y Sumar durante los acuerdos para formar un gobierno de coalici\u00f3n. Finalmente, PSOE y PNV han acordado una modificaci\u00f3n del mismo que <strong>permitir\u00e1 a las empresas energ\u00e9ticas desgravarse las inversiones estrat\u00e9gicas en vinculadas con proyectos industriales y una descarbonizaci\u00f3n del sistema productivo.<\/strong><\/span><\/p><p><span style=\"font-weight: 400;\">Yolanda D\u00edaz ha expresado su descontento con este acuerdo que, seg\u00fan defiende, supone un \u201cregalo fiscal\u201d a las empresas energ\u00e9ticas que defiende que est\u00e1n obteniendo \u201cmayores beneficios en Espa\u00f1a que en el resto de Europa\u201d. Adem\u00e1s, considera inapropiado premiar al sector por cumplir los m\u00ednimos establecidos por la Uni\u00f3n Europea.<\/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-cb714b8 elementor-widget elementor-widget-spacer\" data-id=\"cb714b8\" 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-0d35506 elementor-widget elementor-widget-text-editor\" data-id=\"0d35506\" 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>Se mantiene el impuesto a la banca<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">El impuesto a la banca se mantiene pero se integrar\u00e1 en el sistema tributario, al igual que el impuesto a las energ\u00e9ticas. En Pa\u00eds Vasco y Navarra, en acuerdo con el PNV, ser\u00e1n impuestos \u201cconcertados o convenidos, seg\u00fan la modificaci\u00f3n del Concierto o Convenio en rigor\u201d.<\/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-c832719 elementor-widget elementor-widget-spacer\" data-id=\"c832719\" 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-487d504 elementor-widget elementor-widget-text-editor\" data-id=\"487d504\" 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>Transporte p\u00fablico con descuentos<\/b><\/h2><p><span style=\"font-weight: 400;\">Se ha aprobado, en conjunto con Sumar, la pr\u00f3rroga de la gratuidad del servicio para quienes utilizan con regularidad Cercan\u00edas, Media Distancia y los servicios p\u00fablicos estatales. Ahora, el Gobierno tiene la tarea de definir espec\u00edficamente qui\u00e9nes ser\u00e1n considerados \u00abusuarios frecuentes\u00bb.<\/span><\/p><p><span style=\"font-weight: 400;\">En cuanto al transporte que dependa de las instituciones regionales y locales,<strong> el Gobierno mantendr\u00e1 la subvenci\u00f3n del 30% del precio siempre y cuando los gobiernos auton\u00f3micos aporten un descuento del 20%.<\/strong> En esos casos, la subvenci\u00f3n ser\u00eda del 50%.<\/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-72945cc elementor-widget elementor-widget-spacer\" data-id=\"72945cc\" 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-76ec7d8 elementor-widget elementor-widget-text-editor\" data-id=\"76ec7d8\" 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>\u00bfEstamos realmente en el camino correcto?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">El presidente S\u00e1nchez afirma que el pa\u00eds est\u00e1 en \u00abla senda correcta\u00bb y se muestra positivo frente al cumplimiento de las nuevas reglas fiscales de la Uni\u00f3n Europea, que obligan a dejar el d\u00e9ficit por debajo del 3% del PIB.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">En 2022 el d\u00e9ficit del Gobierno de Espa\u00f1a fue del 4,7% y este 2023 se prev\u00e9 que se sit\u00fae alrededor del 3,9%.<\/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-8675bb0 elementor-widget elementor-widget-spacer\" data-id=\"8675bb0\" 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-91e9227 elementor-aspect-ratio-169 elementor-widget elementor-widget-video\" data-id=\"91e9227\" data-element_type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/watch?v=IhWddCowXto&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\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\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;4958&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;10&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;2.4&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;2.4\\\/5 - (10 votos)&quot;,&quot;size&quot;:&quot;24&quot;,&quot;width&quot;:&quot;67.1&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: 67.1px;\">\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            2.4\/5 - (10 votos)    <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Cada d\u00eda oyes hablar de a cu\u00e1nto est\u00e1 el Eur\u00edbor hoy y de la revisi\u00f3n de las hipotecas. Pero \u00bfalguna vez te han explicado qu\u00e9 es el Eur\u00edbor?<\/p>\n","protected":false},"author":8,"featured_media":4969,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[45],"tags":[39,59],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.14 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Tu cambio de hipoteca ser\u00e1 gratis tambi\u00e9n en 2024<\/title>\n<meta name=\"description\" content=\"El Gobierno extender\u00e1 las medidas de apoyo a los hipotecados vulnerables y la eliminaci\u00f3n de comisiones para ahorrar intereses hasta el a\u00f1o 2024.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/trioteca.com\/blog\/cambio-de-hipoteca-2024\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Tu cambio de hipoteca ser\u00e1 gratis tambi\u00e9n en 2024\" \/>\n<meta property=\"og:description\" content=\"El Gobierno extender\u00e1 las medidas de apoyo a los hipotecados vulnerables y la eliminaci\u00f3n de comisiones para ahorrar intereses hasta el a\u00f1o 2024.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/trioteca.com\/blog\/cambio-de-hipoteca-2024\/\" \/>\n<meta property=\"og:site_name\" content=\"Trioteca Blog\" \/>\n<meta property=\"article:published_time\" content=\"2023-12-27T07:44:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-08-11T09:47:30+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2023\/12\/Blog_Portada-Hip_gratis_2024.png?fit=4000%2C2250&ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"4000\" \/>\n\t<meta property=\"og:image:height\" content=\"2250\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Gonzalo Scapuzzi\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Gonzalo Scapuzzi\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/trioteca.com\/blog\/cambio-de-hipoteca-2024\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/trioteca.com\/blog\/cambio-de-hipoteca-2024\/\"},\"author\":{\"name\":\"Gonzalo Scapuzzi\",\"@id\":\"https:\/\/52.31.220.204\/#\/schema\/person\/c5af22e1b960b0262ca486d386f1bb97\"},\"headline\":\"Tu cambio de hipoteca ser\u00e1 gratis tambi\u00e9n en 2024\",\"datePublished\":\"2023-12-27T07:44:00+00:00\",\"dateModified\":\"2025-08-11T09:47:30+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/trioteca.com\/blog\/cambio-de-hipoteca-2024\/\"},\"wordCount\":903,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/52.31.220.204\/#organization\"},\"keywords\":[\"datos\",\"Hipotecas\"],\"articleSection\":[\"Todo sobre hipotecas\"],\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/trioteca.com\/blog\/cambio-de-hipoteca-2024\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/trioteca.com\/blog\/cambio-de-hipoteca-2024\/\",\"url\":\"https:\/\/trioteca.com\/blog\/cambio-de-hipoteca-2024\/\",\"name\":\"Tu cambio de hipoteca ser\u00e1 gratis tambi\u00e9n en 2024\",\"isPartOf\":{\"@id\":\"https:\/\/52.31.220.204\/#website\"},\"datePublished\":\"2023-12-27T07:44:00+00:00\",\"dateModified\":\"2025-08-11T09:47:30+00:00\",\"description\":\"El Gobierno extender\u00e1 las medidas de apoyo a los hipotecados vulnerables y la eliminaci\u00f3n de comisiones para ahorrar intereses hasta el a\u00f1o 2024.\",\"breadcrumb\":{\"@id\":\"https:\/\/trioteca.com\/blog\/cambio-de-hipoteca-2024\/#breadcrumb\"},\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/trioteca.com\/blog\/cambio-de-hipoteca-2024\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/trioteca.com\/blog\/cambio-de-hipoteca-2024\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/52.31.220.204\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Tu cambio de hipoteca ser\u00e1 gratis tambi\u00e9n en 2024\"}]},{\"@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\/c5af22e1b960b0262ca486d386f1bb97\",\"name\":\"Gonzalo Scapuzzi\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\/\/52.31.220.204\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/43d675dc84b6c5f9774b1fe06a385cf4?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/43d675dc84b6c5f9774b1fe06a385cf4?s=96&d=mm&r=g\",\"caption\":\"Gonzalo Scapuzzi\"},\"url\":\"https:\/\/trioteca.com\/blog\/author\/gscapuzzi\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Tu cambio de hipoteca ser\u00e1 gratis tambi\u00e9n en 2024","description":"El Gobierno extender\u00e1 las medidas de apoyo a los hipotecados vulnerables y la eliminaci\u00f3n de comisiones para ahorrar intereses hasta el a\u00f1o 2024.","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:\/\/trioteca.com\/blog\/cambio-de-hipoteca-2024\/","og_locale":"es_ES","og_type":"article","og_title":"Tu cambio de hipoteca ser\u00e1 gratis tambi\u00e9n en 2024","og_description":"El Gobierno extender\u00e1 las medidas de apoyo a los hipotecados vulnerables y la eliminaci\u00f3n de comisiones para ahorrar intereses hasta el a\u00f1o 2024.","og_url":"https:\/\/trioteca.com\/blog\/cambio-de-hipoteca-2024\/","og_site_name":"Trioteca Blog","article_published_time":"2023-12-27T07:44:00+00:00","article_modified_time":"2025-08-11T09:47:30+00:00","og_image":[{"width":4000,"height":2250,"url":"https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2023\/12\/Blog_Portada-Hip_gratis_2024.png?fit=4000%2C2250&ssl=1","type":"image\/png"}],"author":"Gonzalo Scapuzzi","twitter_card":"summary_large_image","twitter_misc":{"Escrito por":"Gonzalo Scapuzzi","Tiempo de lectura":"5 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/trioteca.com\/blog\/cambio-de-hipoteca-2024\/#article","isPartOf":{"@id":"https:\/\/trioteca.com\/blog\/cambio-de-hipoteca-2024\/"},"author":{"name":"Gonzalo Scapuzzi","@id":"https:\/\/52.31.220.204\/#\/schema\/person\/c5af22e1b960b0262ca486d386f1bb97"},"headline":"Tu cambio de hipoteca ser\u00e1 gratis tambi\u00e9n en 2024","datePublished":"2023-12-27T07:44:00+00:00","dateModified":"2025-08-11T09:47:30+00:00","mainEntityOfPage":{"@id":"https:\/\/trioteca.com\/blog\/cambio-de-hipoteca-2024\/"},"wordCount":903,"commentCount":0,"publisher":{"@id":"https:\/\/52.31.220.204\/#organization"},"keywords":["datos","Hipotecas"],"articleSection":["Todo sobre hipotecas"],"inLanguage":"es","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/trioteca.com\/blog\/cambio-de-hipoteca-2024\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/trioteca.com\/blog\/cambio-de-hipoteca-2024\/","url":"https:\/\/trioteca.com\/blog\/cambio-de-hipoteca-2024\/","name":"Tu cambio de hipoteca ser\u00e1 gratis tambi\u00e9n en 2024","isPartOf":{"@id":"https:\/\/52.31.220.204\/#website"},"datePublished":"2023-12-27T07:44:00+00:00","dateModified":"2025-08-11T09:47:30+00:00","description":"El Gobierno extender\u00e1 las medidas de apoyo a los hipotecados vulnerables y la eliminaci\u00f3n de comisiones para ahorrar intereses hasta el a\u00f1o 2024.","breadcrumb":{"@id":"https:\/\/trioteca.com\/blog\/cambio-de-hipoteca-2024\/#breadcrumb"},"inLanguage":"es","potentialAction":[{"@type":"ReadAction","target":["https:\/\/trioteca.com\/blog\/cambio-de-hipoteca-2024\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/trioteca.com\/blog\/cambio-de-hipoteca-2024\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/52.31.220.204\/"},{"@type":"ListItem","position":2,"name":"Tu cambio de hipoteca ser\u00e1 gratis tambi\u00e9n en 2024"}]},{"@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\/c5af22e1b960b0262ca486d386f1bb97","name":"Gonzalo Scapuzzi","image":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/52.31.220.204\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/43d675dc84b6c5f9774b1fe06a385cf4?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/43d675dc84b6c5f9774b1fe06a385cf4?s=96&d=mm&r=g","caption":"Gonzalo Scapuzzi"},"url":"https:\/\/trioteca.com\/blog\/author\/gscapuzzi\/"}]}},"jetpack_featured_media_url":"https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2023\/12\/Blog_Portada-Hip_gratis_2024.png?fit=4000%2C2250&ssl=1","_links":{"self":[{"href":"https:\/\/trioteca.com\/blog\/wp-json\/wp\/v2\/posts\/4958"}],"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\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/trioteca.com\/blog\/wp-json\/wp\/v2\/comments?post=4958"}],"version-history":[{"count":25,"href":"https:\/\/trioteca.com\/blog\/wp-json\/wp\/v2\/posts\/4958\/revisions"}],"predecessor-version":[{"id":8962,"href":"https:\/\/trioteca.com\/blog\/wp-json\/wp\/v2\/posts\/4958\/revisions\/8962"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/trioteca.com\/blog\/wp-json\/wp\/v2\/media\/4969"}],"wp:attachment":[{"href":"https:\/\/trioteca.com\/blog\/wp-json\/wp\/v2\/media?parent=4958"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/trioteca.com\/blog\/wp-json\/wp\/v2\/categories?post=4958"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/trioteca.com\/blog\/wp-json\/wp\/v2\/tags?post=4958"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}