{"id":626,"date":"2021-03-03T13:19:09","date_gmt":"2021-03-03T13:19:09","guid":{"rendered":"http:\/\/52.31.220.204\/?p=626"},"modified":"2022-10-05T15:25:20","modified_gmt":"2022-10-05T14:25:20","slug":"3-conceptos-clave-sobre-la-hipoteca","status":"publish","type":"post","link":"https:\/\/trioteca.com\/blog\/3-conceptos-clave-sobre-la-hipoteca\/","title":{"rendered":"3 Conceptos clave sobre la hipoteca"},"content":{"rendered":"\n<p><strong>Al hablar de una hipoteca aparecen muchos conceptos nuevos que nos son desconocidos y que nos pueden sonar extra\u00f1os. A continuaci\u00f3n, hemos recogido y definido un listado de 3 conceptos clave que debemos conocer.<\/strong><\/p>\n\n\n\n<p><strong>a) Garant\u00eda hipotecaria:<\/strong> El inmueble es una garant\u00eda para el banco en caso del impago de la deuda. El largo plazo para la devoluci\u00f3n de la hipoteca (hasta 30 a\u00f1os como m\u00e1ximo en Espa\u00f1a) y un precio (tipo de inter\u00e9s) m\u00e1s bajo que otro tipo de pr\u00e9stamos se debe a la existencia de la Garant\u00eda Hipotecaria.<\/p>\n\n\n\n<p><strong>b) Responsabilidad del contrato: <\/strong>La garant\u00eda hipotecaria no limita nuestra responsabilidad como deudores al valor de la vivienda. Es decir, si el precio de la vivienda cae o es inferior al importe de la deuda que tenemos, tendremos que hacer frente a la diferencia (deuda de la hipoteca pendiente \u2013 valor de tasaci\u00f3n actual de la casa) con nuestros bienes\u2026 a menos que:<\/p>\n\n\n\n<ul><li>Se pacte expresamente en la escritura del pr\u00e9stamo la limitaci\u00f3n de la garant\u00eda hipotecaria al valor de la vivienda<\/li><li>Cuando el banco acepte, mediante pacto expreso, la denominada daci\u00f3n en pago, es decir, que el cliente quede liberado de su deuda con la entrega de la garant\u00eda (la vivienda). \u00a1Ojo! Esto no es habitual en Espa\u00f1a<\/li><\/ul>\n\n\n\n<p><strong>c) Gastos e Impuestos:<\/strong> No debemos olvidar que, m\u00e1s all\u00e1 del coste del dinero (tipo de inter\u00e9s), existen otros costes ineludibles a los que deberemos hacer frente\u2026 se calcula que estos costes rondan el 13% del valor de la vivienda.<\/p>\n\n\n\n<p><strong>Costes o Gastos:<\/strong><\/p>\n\n\n\n<ul><li>Tasaci\u00f3n: Coste que se paga a la tasadora para que calcule el valor de la vivienda.<\/li><li>Registro: Una primera vez para solicitar la informaci\u00f3n sobre la vivienda que vamos a comprar y una segunda vez para registrar que el inmueble es de nuestra propiedad.<\/li><li>Notario: Dar\u00e1 fe p\u00fablica de las escrituras de compra-venta y del pr\u00e9stamo hipotecario, el que certifica la operaci\u00f3n.<\/li><li>Gestor\u00eda: Es quien, en \u00faltima instancia, se encargar\u00e1 de los tr\u00e1mites administrativos: registro, pago de impuestos, etc.<\/li><li>Gastos bancarios: Esta partida incluye la comisi\u00f3n de apertura del pr\u00e9stamo.<\/li><\/ul>\n\n\n\n<p><strong>Impuestos o Tributos:<\/strong><\/p>\n\n\n\n<ul><li>Impuesto del Valor A\u00f1adido (IVA): S\u00f3lo en el caso de vivienda de primera mano. Normalmente el 10% del valor escriturado. Algunas viviendas de protecci\u00f3n oficial tienen un r\u00e9gimen especial del 4%.<\/li><li>Impuesto de Transmisiones Patrimoniales: S\u00f3lo en el caso de inmuebles de segunda mano. Se abona el 6% del valor escriturado.<\/li><li>Impuesto de Actos Jur\u00eddicos Documentados: Se abona entre el 0,50% y el 1,50% del valor de la garant\u00eda hipotecaria (seg\u00fan la comunidad aut\u00f3noma), que viene a ser entre un 1,5% y un 2% del importe del capital de responsabilidad hipotecaria.<\/li><\/ul>\n\n\n\n<p>Entender estos conceptos nos permitir\u00e1 estar m\u00e1s tranquilos cuando hablemos sobre la hipoteca. Cualquier duda que tengas o concepto que no entiendas, no dudes en pregunt\u00e1rselo a tu gestor.<\/p>\n\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;626&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;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;4\\\/5 - (1 voto)&quot;,&quot;size&quot;:&quot;24&quot;,&quot;width&quot;:&quot;113.5&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: 113.5px;\">\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            4\/5 - (1 voto)    <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Al hablar de una hipoteca aparecen muchos conceptos nuevos que nos son desconocidos y que nos pueden sonar extra\u00f1os. A continuaci\u00f3n, hemos recogido y definido un listado de 3 conceptos clave que debemos conocer.<\/p>\n","protected":false},"author":1,"featured_media":321,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[45],"tags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.14 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>3 Conceptos clave sobre la hipoteca - Trioteca Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/blog.trioteca.com\/3-conceptos-clave-sobre-la-hipoteca\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"3 Conceptos clave sobre la hipoteca - Trioteca Blog\" \/>\n<meta property=\"og:description\" content=\"Al hablar de una hipoteca aparecen muchos conceptos nuevos que nos son desconocidos y que nos pueden sonar extra\u00f1os. A continuaci\u00f3n, hemos recogido y definido un listado de 3 conceptos clave que debemos conocer.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/blog.trioteca.com\/3-conceptos-clave-sobre-la-hipoteca\/\" \/>\n<meta property=\"og:site_name\" content=\"Trioteca Blog\" \/>\n<meta property=\"article:published_time\" content=\"2021-03-03T13:19:09+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-10-05T14:25:20+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i0.wp.com\/blog.trioteca.com\/wp-content\/uploads\/2022\/07\/B6_ConceptosClave.jpeg?fit=1200%2C600&ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"600\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Trioteca\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Trioteca\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/blog.trioteca.com\/3-conceptos-clave-sobre-la-hipoteca\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/blog.trioteca.com\/3-conceptos-clave-sobre-la-hipoteca\/\"},\"author\":{\"name\":\"Trioteca\",\"@id\":\"https:\/\/52.31.220.204\/#\/schema\/person\/c3621f65fb0b2766c57ac88f9160aa97\"},\"headline\":\"3 Conceptos clave sobre la hipoteca\",\"datePublished\":\"2021-03-03T13:19:09+00:00\",\"dateModified\":\"2022-10-05T14:25:20+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/blog.trioteca.com\/3-conceptos-clave-sobre-la-hipoteca\/\"},\"wordCount\":501,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/52.31.220.204\/#organization\"},\"articleSection\":[\"Todo sobre hipotecas\"],\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/blog.trioteca.com\/3-conceptos-clave-sobre-la-hipoteca\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/blog.trioteca.com\/3-conceptos-clave-sobre-la-hipoteca\/\",\"url\":\"https:\/\/blog.trioteca.com\/3-conceptos-clave-sobre-la-hipoteca\/\",\"name\":\"3 Conceptos clave sobre la hipoteca - Trioteca Blog\",\"isPartOf\":{\"@id\":\"https:\/\/52.31.220.204\/#website\"},\"datePublished\":\"2021-03-03T13:19:09+00:00\",\"dateModified\":\"2022-10-05T14:25:20+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/blog.trioteca.com\/3-conceptos-clave-sobre-la-hipoteca\/#breadcrumb\"},\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/blog.trioteca.com\/3-conceptos-clave-sobre-la-hipoteca\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/blog.trioteca.com\/3-conceptos-clave-sobre-la-hipoteca\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/52.31.220.204\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"3 Conceptos clave sobre la 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\/c3621f65fb0b2766c57ac88f9160aa97\",\"name\":\"Trioteca\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\/\/52.31.220.204\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/b58996c504c5638798eb6b511e6f49af?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/b58996c504c5638798eb6b511e6f49af?s=96&d=mm&r=g\",\"caption\":\"Trioteca\"},\"sameAs\":[\"http:\/\/127.0.0.1\"],\"url\":\"https:\/\/trioteca.com\/blog\/author\/user\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"3 Conceptos clave sobre la hipoteca - Trioteca Blog","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:\/\/blog.trioteca.com\/3-conceptos-clave-sobre-la-hipoteca\/","og_locale":"es_ES","og_type":"article","og_title":"3 Conceptos clave sobre la hipoteca - Trioteca Blog","og_description":"Al hablar de una hipoteca aparecen muchos conceptos nuevos que nos son desconocidos y que nos pueden sonar extra\u00f1os. A continuaci\u00f3n, hemos recogido y definido un listado de 3 conceptos clave que debemos conocer.","og_url":"https:\/\/blog.trioteca.com\/3-conceptos-clave-sobre-la-hipoteca\/","og_site_name":"Trioteca Blog","article_published_time":"2021-03-03T13:19:09+00:00","article_modified_time":"2022-10-05T14:25:20+00:00","og_image":[{"width":1200,"height":600,"url":"https:\/\/i0.wp.com\/blog.trioteca.com\/wp-content\/uploads\/2022\/07\/B6_ConceptosClave.jpeg?fit=1200%2C600&ssl=1","type":"image\/jpeg"}],"author":"Trioteca","twitter_card":"summary_large_image","twitter_misc":{"Escrito por":"Trioteca","Tiempo de lectura":"3 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/blog.trioteca.com\/3-conceptos-clave-sobre-la-hipoteca\/#article","isPartOf":{"@id":"https:\/\/blog.trioteca.com\/3-conceptos-clave-sobre-la-hipoteca\/"},"author":{"name":"Trioteca","@id":"https:\/\/52.31.220.204\/#\/schema\/person\/c3621f65fb0b2766c57ac88f9160aa97"},"headline":"3 Conceptos clave sobre la hipoteca","datePublished":"2021-03-03T13:19:09+00:00","dateModified":"2022-10-05T14:25:20+00:00","mainEntityOfPage":{"@id":"https:\/\/blog.trioteca.com\/3-conceptos-clave-sobre-la-hipoteca\/"},"wordCount":501,"commentCount":0,"publisher":{"@id":"https:\/\/52.31.220.204\/#organization"},"articleSection":["Todo sobre hipotecas"],"inLanguage":"es","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/blog.trioteca.com\/3-conceptos-clave-sobre-la-hipoteca\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/blog.trioteca.com\/3-conceptos-clave-sobre-la-hipoteca\/","url":"https:\/\/blog.trioteca.com\/3-conceptos-clave-sobre-la-hipoteca\/","name":"3 Conceptos clave sobre la hipoteca - Trioteca Blog","isPartOf":{"@id":"https:\/\/52.31.220.204\/#website"},"datePublished":"2021-03-03T13:19:09+00:00","dateModified":"2022-10-05T14:25:20+00:00","breadcrumb":{"@id":"https:\/\/blog.trioteca.com\/3-conceptos-clave-sobre-la-hipoteca\/#breadcrumb"},"inLanguage":"es","potentialAction":[{"@type":"ReadAction","target":["https:\/\/blog.trioteca.com\/3-conceptos-clave-sobre-la-hipoteca\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/blog.trioteca.com\/3-conceptos-clave-sobre-la-hipoteca\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/52.31.220.204\/"},{"@type":"ListItem","position":2,"name":"3 Conceptos clave sobre la 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\/c3621f65fb0b2766c57ac88f9160aa97","name":"Trioteca","image":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/52.31.220.204\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/b58996c504c5638798eb6b511e6f49af?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/b58996c504c5638798eb6b511e6f49af?s=96&d=mm&r=g","caption":"Trioteca"},"sameAs":["http:\/\/127.0.0.1"],"url":"https:\/\/trioteca.com\/blog\/author\/user\/"}]}},"jetpack_featured_media_url":"https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2022\/07\/B6_ConceptosClave.jpeg?fit=1200%2C600&ssl=1","_links":{"self":[{"href":"https:\/\/trioteca.com\/blog\/wp-json\/wp\/v2\/posts\/626"}],"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\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/trioteca.com\/blog\/wp-json\/wp\/v2\/comments?post=626"}],"version-history":[{"count":2,"href":"https:\/\/trioteca.com\/blog\/wp-json\/wp\/v2\/posts\/626\/revisions"}],"predecessor-version":[{"id":1420,"href":"https:\/\/trioteca.com\/blog\/wp-json\/wp\/v2\/posts\/626\/revisions\/1420"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/trioteca.com\/blog\/wp-json\/wp\/v2\/media\/321"}],"wp:attachment":[{"href":"https:\/\/trioteca.com\/blog\/wp-json\/wp\/v2\/media?parent=626"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/trioteca.com\/blog\/wp-json\/wp\/v2\/categories?post=626"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/trioteca.com\/blog\/wp-json\/wp\/v2\/tags?post=626"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}