{"id":8171,"date":"2025-06-16T11:33:00","date_gmt":"2025-06-16T09:33:00","guid":{"rendered":"https:\/\/blog.trioteca.com\/?p=8171"},"modified":"2025-06-16T15:16:34","modified_gmt":"2025-06-16T13:16:34","slug":"banco-central-europeo","status":"publish","type":"post","link":"https:\/\/trioteca.com\/blog\/banco-central-europeo\/","title":{"rendered":"Qu\u00e9 es el Banco Central Europeo y sus tipos de inter\u00e9s"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"8171\" class=\"elementor elementor-8171\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4f5067fa elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4f5067fa\" 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-18b54679\" data-id=\"18b54679\" 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-f57ff66 elementor-widget elementor-widget-text-editor\" data-id=\"f57ff66\" 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;\">El Banco Central Europeo, esa instituci\u00f3n que no sabes por qu\u00e9, siempre dicen que tiene una gran influencia en tu hipoteca. <strong>\u00bfQu\u00e9 es el Banco Central Europeo?\u00bfQu\u00e9 son sus tipos de inter\u00e9s?\u00bfDecide tambi\u00e9n el Eur\u00edbor?<\/strong> Pong\u00e1monos en contexto.<\/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-c8e3c41 elementor-widget elementor-widget-spacer\" data-id=\"c8e3c41\" 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-ffd27ca elementor-align-center elementor-widget elementor-widget-button\" data-id=\"ffd27ca\" 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=bce&#038;utm_id=bceblog\" 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-7933765 elementor-widget elementor-widget-spacer\" data-id=\"7933765\" 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-6e46d4b elementor-widget elementor-widget-text-editor\" data-id=\"6e46d4b\" 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><strong>\u00bfQu\u00e9 es el Banco Central Europeo?<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">El Banco Central Europeo (BCE) es el banco central de la zona Euro, es decir, de los pa\u00edses que tienen el Euro como moneda oficial. Parece una obviedad pero<strong> no debemos confundirlo con la Uni\u00f3n Europea,<\/strong> porque hay pa\u00edses que forman, o formaban, parte de ella pero no tienen el Euro como moneda oficial.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">De hecho, hay una instituci\u00f3n de la UE. La uni\u00f3n de los bancos centrales de los pa\u00edses miembros de la Uni\u00f3n Europea, junto con el BCE, forman el Sistema Europeo de Bancos Centrales.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">El Banco Central Europeo <strong>naci\u00f3 en 1988 como sucesor del Instituto Monetario Europeo<\/strong>, que se cre\u00f3 para gestionar la transici\u00f3n hacia el euro y la creaci\u00f3n del BCE.<\/span><\/p>\n<p>\u00a0<\/p>\n<h2><strong>Cu\u00e1les son las funciones del Banco Central Europeo<\/strong><\/h2>\n<h3><i><span style=\"font-weight: 400;\">Estabilidad de precios<\/span><\/i><\/h3>\n<p><span style=\"font-weight: 400;\">La funci\u00f3n principal del BCE es la de <strong>mantener la estabilidad de los precios en la eurozona<\/strong>, controlando la inflaci\u00f3n de forma que sea baja y segura. El punto de equilibrio de la inflaci\u00f3n es del 2% y la responsabilidad del BCE es mantenerla cercana a ese punto.<\/span><\/p>\n<p>\u00a0<\/p>\n<h3><i><span style=\"font-weight: 400;\">Seguridad bancaria<\/span><\/i><\/h3>\n<p><span style=\"font-weight: 400;\">Otra de las responsabilidades del BCE es la de <strong>supervisar a los bancos de la zona euro<\/strong> para garantizar la seguridad bancaria. <strong>Lo mismo para las estructuras financieras en general<\/strong>, supervisando el buen funcionamiento de cualquier medio electr\u00f3nico de pago.<\/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-ee75681 elementor-widget elementor-widget-spacer\" data-id=\"ee75681\" 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-b783478 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"b783478\" 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=bce&#038;utm_id=bceblog\" class=\"elementor-button-link elementor-button elementor-size-sm\" role=\"button\" id=\"agenda-llamadablog\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Agenda una llamada con un gestor<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aeb2afb elementor-widget elementor-widget-spacer\" data-id=\"aeb2afb\" 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-57bbbd7 elementor-widget elementor-widget-text-editor\" data-id=\"57bbbd7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><!-- wp:paragraph --><\/p>\n<h2><strong>Reuniones del Banco Central Europeo<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">el Consejo de Gobierno de la instituci\u00f3n, actualmente presidida por Christine Lagarde, <strong>se re\u00fane dos veces al mes.<\/strong> Habr\u00e1s visto en prensa que todos los ojos est\u00e1n pendientes de estas reuniones, especialmente en los \u00faltimos a\u00f1os, y es que se toman decisiones con una gran influencia en la econom\u00eda de la eurozona.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Una de las reuniones se da <strong>cada seis semanas, y en ella se valora la evoluci\u00f3n econ\u00f3mica y monetaria y se toman decisiones de pol\u00edtica monetaria.<\/strong> En estas reuniones es en las que se toman decisiones sobre los tipos de inter\u00e9s, que te explicaremos m\u00e1s adelante.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">En el resto de reuniones el centro son asuntos m\u00e1s relacionados con funciones y competencias del Banco Central Europeo y del Eurosistema.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Esta distinci\u00f3n se hace para garantizar la separaci\u00f3n entre la pol\u00edtica monetaria y el resto de funciones de la instituci\u00f3n.<\/span><\/p>\n<p>\u00a0<\/p>\n<h2><strong>Los tipos de inter\u00e9s del Banco Central Europeo<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">L<strong>a <a href=\"https:\/\/blog.trioteca.com\/cuando-bajaran-los-tipos-de-interes\/\">herramienta monetaria m\u00e1s importante<\/a><\/strong> para mantener la\u00a0<\/span><a href=\"https:\/\/blog.trioteca.com\/que-es-la-inflacion\/\" target=\"_blank\" rel=\"noopener\">estabilidad de precio<\/a>s<span style=\"font-weight: 400;\">\u00a0en la eurozona son los tipos oficiales.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Hay tres tipos de inter\u00e9s del BCE:<\/span><\/p>\n<h3><span style=\"font-weight: 400;\"><em>El Tipo Principal de Refinanciaci\u00f3n<\/em> <\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Es el tipo de inter\u00e9s a una semana al que el Banco Central Europeo presta dinero a las entidades bancarias. <strong>Hist\u00f3ricamente ha sido el tipo de referencia para las hipotecas<\/strong> pero actualmente hay un exceso de liquidez en el sistema bancario que ha llevado a sustituir este tipo por la Facilidad de Dep\u00f3sito como referencia para la financiaci\u00f3n. <strong>Si este tipo sube, el precio del dinero sube y por tanto perdemos poder adquisitivo, lo que disuade de comprar y hace que la inflaci\u00f3n descienda.<\/strong><\/span><\/p>\n<p>\u00a0<\/p>\n<h3><em><span style=\"font-weight: 400;\">El Tipo de Facilidad de Marginalidad de Cr\u00e9dito<\/span><\/em><\/h3>\n<p><span style=\"font-weight: 400;\">Es el tipo de inter\u00e9s por el dinero prestado que los bancos pagan a un d\u00eda al BCE.<\/span><\/p>\n<p>\u00a0<\/p>\n<h3><em><span style=\"font-weight: 400;\">El Tipo de Facilidad de Dep\u00f3sito<\/span><\/em><\/h3>\n<p><span style=\"font-weight: 400;\">Es el inter\u00e9s a un d\u00eda que los bancos reciben el BCE por depositar en \u00e9l capital. Como podr\u00e1s imaginar, <strong>esto impacta en lo que los bancos ofrecen en sus cuentas de ahorro.<\/strong> Cuando este tipo sube, los bancos mejoran las condiciones de sus cuentas de ahorro, lo que <strong>incentiva a ahorrar en vez de a comprar, nuevamente haciendo bajar los precios.<\/strong> Tambi\u00e9n es actualmente el tipo de referencia para las hipotecas, pero es una situaci\u00f3n excepcional debido a ese exceso de liquidez que mencion\u00e1bamos antes.<\/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-4b2044f elementor-widget elementor-widget-spacer\" data-id=\"4b2044f\" 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-7e6627b elementor-aspect-ratio-169 elementor-widget elementor-widget-video\" data-id=\"7e6627b\" data-element_type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/watch?v=itP1-Mzl7R8&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-3b94d94 elementor-widget elementor-widget-spacer\" data-id=\"3b94d94\" 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-cdbfac6 elementor-widget elementor-widget-text-editor\" data-id=\"cdbfac6\" 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><span style=\"font-weight: 400;\">Actualmente, a junio de 2025, y tras varios cambios en los Tipos de Inter\u00e9s, se encuentran de la siguiente forma:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u2013 Tasa de dep\u00f3sito: 2%<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u2013 Tipo principal de refinanciaci\u00f3n: 2,15%<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u2013 Facilidad marginal de cr\u00e9dito: 2,4%<\/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-2ed34c4 elementor-widget elementor-widget-spacer\" data-id=\"2ed34c4\" 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-2f8ac22 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"2f8ac22\" 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=bce&#038;utm_id=bceblog\" 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\">Simulador de cambio de 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-f80ecb5 elementor-widget elementor-widget-spacer\" data-id=\"f80ecb5\" 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-a078fb6 elementor-widget elementor-widget-text-editor\" data-id=\"a078fb6\" 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><strong>\u00bfEl Banco Central Europeo decide tambi\u00e9n a cu\u00e1nto est\u00e1 el Eur\u00edbor?<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">No, el <a href=\"https:\/\/blog.trioteca.com\/que-es-el-euribor-y-como-funciona-en-las-hipotecas\/\">Eur\u00edbor<\/a> no est\u00e1 marcado por el BCE, aunque <strong>s\u00ed est\u00e1 muy influenciado por sus pol\u00edticas.\u00a0<\/strong><\/span><\/p>\n<p><span style=\"font-weight: 400;\">El Eur\u00edbor <strong>es el Tipo Europeo de Oferta Interbancaria (Euro Interbank Offered Rate)<\/strong>. El organismo encargado de calcular y publicar el Eur\u00edbor es el European Money Markets Institute (EMMI).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Los bancos europeos se prestan dinero entre s\u00ed y <strong>el Eur\u00edbor es el tipo de inter\u00e9s medio de estas operaciones.<\/strong> Como podr\u00e1s imaginar, y como ocurre con las hipotecas, si el BCE cobra m\u00e1s intereses a los bancos por prestarles capital, estos a su vez cobrar\u00e1n m\u00e1s intereses a las otras entidades por tambi\u00e9n prestarles capital, lo que har\u00e1 que el Euribor aumente.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><strong>Hay 5 tipos de Eur\u00edbor;<\/strong> el diario, el Eur\u00edbor a 1 mes, a 3 meses, a 6 meses y a 12 meses. Al que suelen estar sujetas las hipotecas variables suele ser el Eur\u00edbor a 12 meses o, en algunos casos, a 6 meses. <strong>El Eur\u00edbor a 12 meses que el banco aplicar\u00e1 al revisar tu hipoteca se publica tambi\u00e9n en el Bolet\u00edn Oficial del Estado.<\/strong><\/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-3a7dcc0 elementor-widget elementor-widget-spacer\" data-id=\"3a7dcc0\" 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-81ab8af elementor-widget elementor-widget-html\" data-id=\"81ab8af\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div 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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;8171&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;332&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;5&quot;,&quot;best&quot;:&quot;5&quot;,&quot;gap&quot;:&quot;5&quot;,&quot;greet&quot;:&quot;Que te ha parecido este art\\u00edculo?&quot;,&quot;legend&quot;:&quot;5\\\/5 - (332 votos)&quot;,&quot;size&quot;:&quot;24&quot;,&quot;width&quot;:&quot;142.5&quot;,&quot;_legend&quot;:&quot;{score}\\\/{best} - ({count} {votes})&quot;,&quot;font_factor&quot;:&quot;1.25&quot;}\">\n    \n<div class=\"kksr-stars\">\n    \n<div class=\"kksr-stars-inactive\">\n            <div class=\"kksr-star\" data-star=\"1\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"2\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"3\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"4\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"5\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n    <\/div>\n    \n<div class=\"kksr-stars-active\" style=\"width: 142.5px;\">\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n    <\/div>\n<\/div>\n    \n\n<div class=\"kksr-legend\" style=\"font-size: 19.2px;\">\n            5\/5 - (332 votos)    <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>El Banco Central Europeo, esa instituci\u00f3n que no sabes por qu\u00e9, siempre dicen que tiene una gran influencia en tu hipoteca.<\/p>\n","protected":false},"author":9,"featured_media":8172,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[45],"tags":[63,59],"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 el Banco Central Europeo y sus tipos de inter\u00e9s \ud83c\uddea\ud83c\uddfa<\/title>\n<meta name=\"description\" content=\"El Banco Central Europeo, esa instituci\u00f3n que no sabes por qu\u00e9, siempre dicen que tiene una gran influencia en tu hipoteca.\" \/>\n<meta name=\"robots\" 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