{"id":7540,"date":"2024-10-03T12:42:31","date_gmt":"2024-10-03T10:42:31","guid":{"rendered":"https:\/\/blog.trioteca.com\/?p=7540"},"modified":"2024-10-03T12:42:32","modified_gmt":"2024-10-03T10:42:32","slug":"cual-es-la-hipoteca-mas-barata","status":"publish","type":"post","link":"https:\/\/trioteca.com\/blog\/cual-es-la-hipoteca-mas-barata\/","title":{"rendered":"\u00bfCu\u00e1l es la hipoteca m\u00e1s barata?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"7540\" class=\"elementor elementor-7540\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6ab15458 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6ab15458\" 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-2b738c4e\" data-id=\"2b738c4e\" 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-4e8b5876 elementor-widget elementor-widget-text-editor\" data-id=\"4e8b5876\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.7.2 - 21-08-2022 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#818a91;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#818a91;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<!-- wp:paragraph -->\n<p><span style=\"font-weight: 400;\">Nos lo ha chivado Google; sois muchos y muchas quienes busc\u00e1is cada mes \u201c\u00bfcu\u00e1l es la hipoteca m\u00e1s barata? y hoy venimos a resolveros vuestra duda \ud83d\ude09<\/span><\/p>\n<!-- \/wp:paragraph -->\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a1d6e72 elementor-widget elementor-widget-text-editor\" data-id=\"a1d6e72\" 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><b>Qu\u00e9 tener en cuenta para elegir una hipoteca<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Si nos centramos en cu\u00e1l es la hipoteca m\u00e1s barata podemos cometer el error de fijarnos solo en el tipo de inter\u00e9s. Pero eso no lo es todo. Hay m\u00e1s variables que tienes que tener en cuenta a la hora de valorar una oferta de hipoteca y compararla con otras:<\/span><\/p>\n<p>\u00a0<\/p>\n<h3><em>Las bonificaciones<\/em><\/h3>\n<p><span style=\"font-weight: 400;\">Cuando contratas una hipoteca es habitual que el banco te ofrezca <a href=\"https:\/\/blog.trioteca.com\/que-es-una-hipoteca-bonificada\/\">bonificaciones<\/a> si contratas con ellos alg\u00fan producto aparte. <a href=\"https:\/\/blog.trioteca.com\/seguros-obligatorios\/\">Por ejemplo, el seguro de vida o de hogar.<\/a> <strong>Cuando hablamos de bonificar nos referimos a que el tipo de inter\u00e9s ser\u00e1 m\u00e1s bajo mientras mantengas contratado ese producto adicional.<\/strong> Como siempre, pongamos un ejemplo;<\/span><\/p>\n<p><i><span style=\"font-weight: 400;\">Maxi recibe dos ofertas para su hipoteca con Trioteca:<\/span><\/i><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><i><span style=\"font-weight: 400;\"><strong>En una, el tipo de inter\u00e9s es del 3%,<\/strong> pero si contrata un seguro del hogar por el que pagar\u00e1 25\u20ac al mes, le bonificar\u00e1n el tipo un 0,2%, una alarma que le costar\u00e1 10\u20ac al mes, un 0,1% y un <a href=\"https:\/\/blog.trioteca.com\/seguro-de-vida-con-una-hipoteca-%EF%BF%BCrealmente-merecen-la-pena\/\">seguro de vida<\/a> por otros 25\u20ac al mes, le bonificar\u00e1 otro 0,2%. Por lo tanto, si contrata todas las bonificaciones, acabar\u00e1 pagando un inter\u00e9s del 2,5% y 60\u20ac m\u00e1s en la cuota de su hipoteca.<\/span><\/i><\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><i><span style=\"font-weight: 400;\"><strong>En otra, el tipo de inter\u00e9s es del 2,7%<\/strong>, pero si domicilia la n\u00f3mina, lo cual no tiene ning\u00fan coste, le bonifican un 0,1%, por lo que pasa a pagar un inter\u00e9s del 2,6% y ning\u00fan gasto extra al mes.<\/span><\/i><\/li>\n<\/ul>\n<p><i><span style=\"font-weight: 400;\"><strong>Salvo que el nominal de la hipoteca de Maxi sea muy alto<\/strong>, seguramente la segunda oferta, a\u00fan teniendo un tipo de inter\u00e9s m\u00e1s alto, le suponga un mayor ahorro.<\/span><\/i><\/p>\n<p><i><span style=\"font-weight: 400;\">\u00a0<\/span><\/i><\/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-9ebe6a3 elementor-aspect-ratio-169 elementor-widget elementor-widget-video\" data-id=\"9ebe6a3\" data-element_type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/watch?v=cWLBHIJBOSI&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-ec90901 elementor-widget elementor-widget-spacer\" data-id=\"ec90901\" 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-7a33755 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"7a33755\" 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=hipotecamasbarata&#038;utm_id=hipotecamasbaratablog\" 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\">Quiero hablar con un Experto Hipotecario<\/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-d473be3 elementor-widget elementor-widget-spacer\" data-id=\"d473be3\" 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-cd28623 elementor-widget elementor-widget-text-editor\" data-id=\"cd28623\" 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<h3><em>El plazo de amortizaci\u00f3n<\/em><\/h3>\n<p><span style=\"font-weight: 400;\">El tiempo que tardes en devolver el dinero que el banco te preste <strong>determina en gran medida lo que pagar\u00e1s en intereses.<\/strong> Y es que <strong>no es lo mismo pagar un tipo de inter\u00e9s del 2,5% durante 20 a\u00f1os que durante 30 a\u00f1os.<\/strong> Son 10 a\u00f1os m\u00e1s pagando ese 2,5%.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pero si inicialmente no puedes permitirte la hipoteca a 20 a\u00f1os, <strong>siempre puedes contratarla a 30 e ir amortizando capital y pidiendo una reducci\u00f3n del plazo de amortizaci\u00f3n.<\/strong> De esta forma, <a href=\"https:\/\/blog.trioteca.com\/que-es-mejor-reducir-cuota-o-plazo\/\">ahorrar\u00e1s en intereses<\/a>, especialmente si amortizas los primeros a\u00f1os de hipoteca ya que en Espa\u00f1a utilizamos el sistema de amortizaci\u00f3n franc\u00e9s.<\/span><\/p>\n<h2>\u00a0<\/h2>\n<h3><em>Las comisiones<\/em><\/h3>\n<p><span style=\"font-weight: 400;\">Otro punto importante para determinar cu\u00e1l es la hipoteca m\u00e1s barata que mucha gente deja de lado son las comisiones. <strong>Este punto es especialmente importante si vas a querer <a href=\"https:\/\/blog.trioteca.com\/amortizacion-de-un-prestamo\/\">amortizar capital<\/a><\/strong>, porque la comisi\u00f3n por amortizaci\u00f3n es muy habitual.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><strong>Si m\u00e1s adelante tienes pensado renegociar la hipoteca<\/strong> porque, por ejemplo, has contratado una mixta y quieres pasarla a fija antes de entrar en el tramo variable, <strong>tambi\u00e9n tienes que tener en cuenta las comisiones<\/strong> por cancelaci\u00f3n o amortizaci\u00f3n anticipada y\/o subrogaci\u00f3n.<\/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-82cce4b elementor-widget elementor-widget-spacer\" data-id=\"82cce4b\" 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-9d1d97b elementor-widget elementor-widget-text-editor\" data-id=\"9d1d97b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<!-- wp:paragraph -->\n<h3><em>La TAE, clave para saber cu\u00e1l es la hipoteca m\u00e1s barata<\/em><\/h3>\n<p><span style=\"font-weight: 400;\">Cuando recibimos una oferta hipotecaria, habr\u00e1 dos datos que nos llamar\u00e1n la atenci\u00f3n:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>El Tipo de Inter\u00e9s Nominal (TIN):<\/strong> Que es el porcentaje de inter\u00e9s, que se aplica sobre el capital que nos presta el banco, y que pagaremos en concepto de intereses.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>La Tasa Anual Equivalente (TAE):<\/strong> Esta cifra, en forma tambi\u00e9n de porcentaje, calcula el coste de la hipoteca pero teniendo en cuenta, no s\u00f3lo el TIN, sino tambi\u00e9n la frecuencia de las cuotas, las comisiones y los gastos del consumidor, como las bonificaciones. No incluye otros gastos, como los de notar\u00eda.<\/span><\/li>\n<\/ul>\n<p>\u00a0<\/p>\n<p><span style=\"font-weight: 400;\"><a href=\"https:\/\/blog.trioteca.com\/tin-y-tae\/\">Conocer el TIN es importante pero, sin duda, la TAE nos ofrece m\u00e1s informaci\u00f3n<\/a> y debe ser m\u00e1s definitiva para tomar una decisi\u00f3n. As\u00ed que, para decidir cu\u00e1l es la hipoteca m\u00e1s barata entre dos ofertas, sin duda f\u00edjate en la TAE.<\/span><\/p>\n<!-- \/wp:paragraph -->\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fecd06d elementor-widget elementor-widget-spacer\" data-id=\"fecd06d\" 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-21598ff elementor-aspect-ratio-169 elementor-widget elementor-widget-video\" data-id=\"21598ff\" data-element_type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/watch?v=RHckGHUAKig&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<div class=\"elementor-element elementor-element-a6d1a48 elementor-widget elementor-widget-spacer\" data-id=\"a6d1a48\" 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-7e0b145 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"7e0b145\" 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\/descubrir-hipoteca?utm_source=blog&#038;utm_medium=boton_agendar&#038;utm_campaign=hipotecamasbarata&#038;utm_id=hipotecamasbaratablog\" 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\">Mejorar mi 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-acd82b9 elementor-widget elementor-widget-spacer\" data-id=\"acd82b9\" 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-e83bbcd elementor-widget elementor-widget-text-editor\" data-id=\"e83bbcd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<!-- wp:paragraph -->\n<h2><b>\u00bfCu\u00e1l es la hipoteca m\u00e1s barata en 2024?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">El mercado hipotecario es cambiante y lo que puede ser interesante un a\u00f1o, al siguiente puede dejar de serlo. Lo bueno es que, desde que se aprob\u00f3 la <a href=\"https:\/\/blog.trioteca.com\/las-5-cosas-que-debes-saber-sobre-la-nueva-ley-hipotecaria\/\">Ley Hipotecaria<\/a>, <strong>si el d\u00eda de ma\u00f1ana tus condiciones de hipoteca ya no son las mejores que hay en el mercado, <a href=\"https:\/\/blog.trioteca.com\/cambiar-hipoteca-variable-a-fija\/\">puedes renegociarlas<\/a> siempre que quieras<\/strong> y tu entidad no se puede negar.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Para ver la volatilidad del mercado <strong>solo tenemos que tirar de hist\u00f3rico:<\/strong><\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Desde que el Instituto Nacional de Estad\u00edsticas tiene registros de los tipos de hipotecas constituidas (2003) hasta el a\u00f1o 2015<\/strong>, m\u00e1s del 90% de hipotecas eran a tipo fijo (muchos meses eran incluso m\u00e1s del 95% del total). Y es que el Eur\u00edbor estaba bajo, algunos meses incluso por debajo del 0%, y las hipotecas m\u00e1s baratas eran, sin duda, las de tipo variable.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>En 2016 esta tendencia cambia<\/strong> y, aunque las hipotecas variables siguen representando la opci\u00f3n mayoritaria, ya bajan al 76,3% y encadenar\u00edan descensos hasta 2021.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>En 2021, aunque el <a href=\"https:\/\/blog.trioteca.com\/que-es-el-euribor-y-como-funciona-en-las-hipotecas\/\">Eur\u00edbor<\/a><\/strong> sigue en negativo, vivimos un boom con tipos de inter\u00e9s a tipo fijo de alrededor del 1%. Lo nunca antes visto que llev\u00f3 a las hipotecas variables a ser solo un 36,9% del total.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>En 2022, el Eur\u00edbor pasa a estar en positivo<\/strong> por primera vez desde marzo de 2015. Con esa perspectiva y unos tipos fijos muy cercanos al 1%, las hipotecas variables representaban ya solo el 29% del total.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>En 2023 hay un nuevo tipo de hipoteca que se convierte en la estrella del mercado; la <a href=\"https:\/\/blog.trioteca.com\/que-es-una-hipoteca-mixta-y-cuales-son-sus-requisitos\/\">hipoteca mixta<\/a>.<\/strong> Ya en marzo, seg\u00fan los datos del Centro de Estudios Trioteca, las hipotecas mixtas representar\u00edan el 46,3% del total de operaciones. Y es que la hipoteca mixta <strong>era la \u00fanica opci\u00f3n real para muchos perfiles de conseguir un buen tipo de inter\u00e9s fijo.<\/strong><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>En 2024, con las primeras <a href=\"https:\/\/blog.trioteca.com\/cuando-bajaran-los-tipos-de-interes\/\">bajadas de los tipos oficiales del Banco Central Europeo<\/a>, el mercado se vuelca hacia el tipo fijo.<\/strong> En agosto ya el 68,29% de hipotecas se firmaron a tipo fijo, con un TIN medio del 2,55%. Las mixtas s\u00ed cerraron el mes con un tipo medio en el tramo fijo por debajo del 2%, pero el n\u00famero de bonificaciones era mayor.\u00a0<\/span><\/li>\n<\/ul>\n<!-- \/wp:paragraph -->\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b3ae874 elementor-widget elementor-widget-spacer\" data-id=\"b3ae874\" 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-176877e elementor-widget elementor-widget-image\" data-id=\"176877e\" data-element_type=\"widget\" data-widget_type=\"image.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-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t\t\t<img width=\"377\" height=\"186\" src=\"https:\/\/trioteca.com\/blog\/wp-content\/uploads\/2024\/09\/CET_Agosto_2024_images_CET_Agosto_Mejora_de_Condiciones.svg\" class=\"attachment-large size-large\" alt=\"cambiar-hipoteca-variable-a-fija\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ca6cdfd elementor-widget elementor-widget-spacer\" data-id=\"ca6cdfd\" 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-713803e elementor-widget elementor-widget-image\" data-id=\"713803e\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img width=\"403\" height=\"312\" src=\"https:\/\/trioteca.com\/blog\/wp-content\/uploads\/2024\/09\/CET_Agosto_2024_images_CET_Agosto_Tipo_interes_solicitado_julio_Tipo_interes_formalizado_julio.svg\" class=\"attachment-large size-large\" alt=\"tipo-de-interes-hipotecas-agosto-2024\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c87183f elementor-widget elementor-widget-spacer\" data-id=\"c87183f\" 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-f0f8b89 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"f0f8b89\" 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\/simular-hipoteca?utm_source=blog&#038;utm_medium=boton_agendar&#038;utm_campaign=hipotecamasbarata&#038;utm_id=hipotecamasbaratablog\" 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\">Simular mi 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-f71384e elementor-widget elementor-widget-spacer\" data-id=\"f71384e\" 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-e28d0cd elementor-widget elementor-widget-text-editor\" data-id=\"e28d0cd\" 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<p><span style=\"font-weight: 400;\">En resumen, <a href=\"https:\/\/blog.trioteca.com\/tipo-de-hipoteca-mejor-2024\/\">\u00bfcu\u00e1l es la hipoteca m\u00e1s barata en 2024?<\/a> Sin duda, las hipotecas fijas. Y <strong>en Trioteca te conseguimos ofertas desde un 2,35% gratis<\/strong>. Nuestros honorarios, que vienen especificados en la <a href=\"https:\/\/blog.trioteca.com\/que-es-con-exactitud-la-fein-de-una-hipoteca\/\">FEIN<\/a>, los paga el banco. Y, como todos los bancos nos pagan lo mismo, no tenemos preferencia por ninguno.\u00a0<\/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-14f2929 elementor-widget elementor-widget-spacer\" data-id=\"14f2929\" 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-dd1d022 elementor-widget elementor-widget-image\" data-id=\"dd1d022\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/trioteca.com\/agendar-cita?utm_source=blog&#038;utm_medium=boton_agendar&#038;utm_campaign=hipotecamasbarata&#038;utm_id=hipotecamasbaratablog\">\n\t\t\t\t\t\t\t<img width=\"800\" height=\"200\" src=\"https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2024\/10\/30-sept.jpg?fit=800%2C200&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2024\/10\/30-sept.jpg?w=1584&amp;ssl=1 1584w, https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2024\/10\/30-sept.jpg?resize=860%2C215&amp;ssl=1 860w, https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2024\/10\/30-sept.jpg?resize=1024%2C256&amp;ssl=1 1024w, https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2024\/10\/30-sept.jpg?resize=768%2C192&amp;ssl=1 768w, https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2024\/10\/30-sept.jpg?resize=1536%2C384&amp;ssl=1 1536w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-37b1791 elementor-widget elementor-widget-spacer\" data-id=\"37b1791\" 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-7b270bc elementor-widget elementor-widget-spacer\" data-id=\"7b270bc\" 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\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;7540&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;94&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;4.9&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;4.9\\\/5 - (94 votos)&quot;,&quot;size&quot;:&quot;24&quot;,&quot;width&quot;:&quot;139.6&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: 139.6px;\">\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            4.9\/5 - (94 votos)    <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Nos lo ha chivado Google; sois muchos y muchas quienes busc\u00e1is cada mes \u201c\u00bfcu\u00e1l es la hipoteca m\u00e1s barata? Os resolvemos la duda \ud83d\ude09<\/p>\n","protected":false},"author":9,"featured_media":7546,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[45],"tags":[59,42,8],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.14 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u00bfCu\u00e1l es la hipoteca m\u00e1s barata? (2024)<\/title>\n<meta name=\"description\" content=\"Nos lo ha chivado Google; sois muchos y muchas quienes busc\u00e1is cada mes \u201c\u00bfcu\u00e1l es la hipoteca m\u00e1s barata? 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