{"id":9778,"date":"2025-12-30T13:16:15","date_gmt":"2025-12-30T12:16:15","guid":{"rendered":"https:\/\/blog.trioteca.com\/?p=9778"},"modified":"2025-12-30T13:18:42","modified_gmt":"2025-12-30T12:18:42","slug":"tipo-de-interes-hipotecas-hoy","status":"publish","type":"post","link":"https:\/\/trioteca.com\/blog\/tipo-de-interes-hipotecas-hoy\/","title":{"rendered":"\u00bfQu\u00e9 tipo de inter\u00e9s tienen las hipotecas hoy?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"9778\" class=\"elementor elementor-9778\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1d6c48d7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1d6c48d7\" 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-7f1e5f71\" data-id=\"7f1e5f71\" 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-10901c0c elementor-widget elementor-widget-text-editor\" data-id=\"10901c0c\" 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 tipo de inter\u00e9s de las hipotecas hoy es mucho mejor que el de hace un a\u00f1o, aunque <strong>las entidades est\u00e1n encareciendo sus ofertas desde hace unos meses<\/strong>, tras un a\u00f1o en el que han superado sus objetivos. Entonces \u00bfqu\u00e9 tipo de inter\u00e9s tienen las hipotecas hoy? Veamos la evoluci\u00f3n.<\/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-b97b848 elementor-widget elementor-widget-spacer\" data-id=\"b97b848\" 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-bd51f3c elementor-align-center elementor-widget elementor-widget-button\" data-id=\"bd51f3c\" 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=tipohoy&#038;utm_id=tipohoyblog\" 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-0e95c13 elementor-widget elementor-widget-spacer\" data-id=\"0e95c13\" 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-a2c7b84 elementor-widget elementor-widget-spacer\" data-id=\"a2c7b84\" 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-918bf19 elementor-widget elementor-widget-text-editor\" data-id=\"918bf19\" 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>\u00bfQu\u00e9 es el Tipo de inter\u00e9s?<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">El Tipo de Inter\u00e9s Nominal (TIN) es el inter\u00e9s que te aplicar\u00e1 el banco por prestarte dinero. <strong>No s\u00f3lo las hipotecas tienen tipo de inter\u00e9s, sino tambi\u00e9n los <a href=\"https:\/\/blog.trioteca.com\/conoces-ya-la-diferencia-entre-prestamo-y-credito\/\">cr\u00e9ditos personales<\/a> y en general las operaciones que suponen un pr\u00e9stamo de capital.<\/strong><\/span><\/p>\n<p>\u00a0<\/p>\n<h3><em>\u00bfC\u00f3mo se calcula?<\/em><\/h3>\n<p><span style=\"font-weight: 400;\">Para calcular el tipo de inter\u00e9s de tu hipoteca, <strong>el banco estudiar\u00e1 tu perfil y la vivienda que compras<\/strong> y, en funci\u00f3n de lo segura que resulte la operaci\u00f3n, te ofrecer\u00e1 un mejor o peor tipo de inter\u00e9s.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Para asegurarte de tener un buen tipo de inter\u00e9s hoy en d\u00eda, lo importante es:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Que no vayas a m\u00e1s del 80% de financiaci\u00f3n<\/strong>, aportando un 20% de entrada y el ahorro para los <a href=\"https:\/\/blog.trioteca.com\/gastos-de-comprar-viviennda\/\">gastos de compra.<\/a><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Que no superes el <a href=\"https:\/\/blog.trioteca.com\/ratio-de-endeudamiento\/\">ratio de endeudamiento<\/a><\/strong> del 35% y, si est\u00e1s por debajo mejor.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Y, por supuesto, cuanta m\u00e1s <strong>estabilidad laboral<\/strong> tengas, mejor.<\/span><\/li>\n<\/ul>\n<p><br \/><br \/><\/p>\n<h3><em>\u00bfC\u00f3mo se aplica?<\/em><\/h3>\n<p><span style=\"font-weight: 400;\"><strong>Un error habitual al calcular los intereses de la hipoteca es aplicarlo sobre la totalidad del capital una vez.<\/strong> Es decir, si por ejemplo hablamos de una hipoteca con un nominal de 200.000\u20ac, al 2,5%TIN, un error habitual es calcular 200.000\u20ac x 0,025. Y es que <strong>los intereses de la hipoteca no se calculan as\u00ed.<\/strong><\/span><\/p>\n<p><span style=\"font-weight: 400;\"><strong>El tipo de inter\u00e9s de la hipoteca se aplicar\u00e1 cada a\u00f1o sobre el capital pendiente.<\/strong> Es decir, con el ejemplo anterior, el primer a\u00f1o el c\u00e1lculo s\u00ed ser\u00eda de 200.000\u20ac x 0,025, pero esos ser\u00edan los intereses del primer a\u00f1o. Pero, si el a\u00f1o pendiente hemos amortizado 20.000\u20ac y queda un capital de 180.000\u20ac, pagar\u00edamos 180.000\u20ac x0,025.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Por eso, <strong>cuando amortizamos capital anticipadamente, <a href=\"https:\/\/blog.trioteca.com\/que-es-mejor-reducir-cuota-o-plazo\/\">es mejor reducir el plazo y no la cuota,<\/a> porque pagaremos menos intereses al aplicarse durante menos a\u00f1os este c\u00e1lculo.<\/strong><\/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-0c35691 elementor-widget elementor-widget-spacer\" data-id=\"0c35691\" 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-9e71d84 elementor-aspect-ratio-169 elementor-widget elementor-widget-video\" data-id=\"9e71d84\" data-element_type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/watch?v=cmdH4p00HQg&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-c340a73 elementor-widget elementor-widget-spacer\" data-id=\"c340a73\" 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-17a8773 elementor-widget elementor-widget-text-editor\" data-id=\"17a8773\" 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>Tipo de inter\u00e9s vs TAE<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">Al solicitar cualquier tipo de financiaci\u00f3n, sea una hipoteca, sea un cr\u00e9dito personal, <strong>la entidad te dar\u00e1 dos cifras; <a href=\"https:\/\/blog.trioteca.com\/tin-y-tae\/\">el TIN (Tipo de Inter\u00e9s Nominal) y la TAE (Tasa Anual Equivalente)<\/a>.<\/strong> Son dos datos que nos dan informaci\u00f3n diferentes:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">El TIN: Es el tipo de inter\u00e9s que se aplicar\u00e1 al capital financiado, como hemos visto antes.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">La TAE: Esta tasa hace una estimaci\u00f3n del coste total del pr\u00e9stamo, teniendo en cuenta no solo los intereses, sino tambi\u00e9n los gastos de gesti\u00f3n o los productos bonificados.\u00a0<\/span><\/li>\n<\/ul>\n<p>\u00a0<\/p>\n<p>Al comparar ofertas de hipoteca, no te centres solo en el TIN, ni solo en la TAE. Hay que tener en cuenta ambas cosas, ya que el TIN es, en las hipotecas fijas, un valor exacto, pero una estimaci\u00f3n en las mixtas y variables. Y la TAE, tambi\u00e9n es una estimaci\u00f3n. As\u00ed que son valores importantes pero que revisar en conjunto.<\/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-f457b17 elementor-widget elementor-widget-spacer\" data-id=\"f457b17\" 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-e10d9f6 elementor-aspect-ratio-169 elementor-widget elementor-widget-video\" data-id=\"e10d9f6\" data-element_type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/youtu.be\\\/RHckGHUAKig?si=cwEH3MzmY71s7LWO&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-93e9853 elementor-widget elementor-widget-spacer\" data-id=\"93e9853\" 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-24b13e2 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"24b13e2\" 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\/solicitar-hipoteca?utm_source=blog&#038;utm_medium=boton_agendar&#038;utm_campaign=tipohoy&#038;utm_id=tipohoyblog\" class=\"elementor-button-link elementor-button elementor-size-sm\" role=\"button\" id=\"simula-blog\">\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 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-d9e99a1 elementor-widget elementor-widget-spacer\" data-id=\"d9e99a1\" 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-945a26f elementor-widget elementor-widget-text-editor\" data-id=\"945a26f\" 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>Y ahora, al grano \u00bfQu\u00e9 tipo de inter\u00e9s tienen las hipotecas hoy?<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">Vamos a ver tanto la evoluci\u00f3n como qu\u00e9 tipo de inter\u00e9s tienen las hipotecas hoy, de los tres tipos de hipoteca; mixtas, fijas y variables.<\/span><\/p>\n<h3>\u00a0<\/h3>\n<h3><em>Hipotecas Fijas<\/em><\/h3>\n<p><span style=\"font-weight: 400;\">Las hipotecas fijas perdieron protagonismo los \u00faltimos a\u00f1os, siendo sustituidas por las mixtas, pero <strong>lo han recuperado por completo este 2025.\u00a0<\/strong><\/span><\/p>\n<p><span style=\"font-weight: 400;\"><strong>El tipo de inter\u00e9s de las hipotecas fijas estaba, seg\u00fan datos del INE, a un 2,83% en septiembre de este a\u00f1o.<\/strong> Sin embargo, esta media se aleja mucho del tipo de inter\u00e9s de una hipoteca fija hoy en d\u00eda si la contratamos a trav\u00e9s del canal digital. Y es que nuestro TIN medio firmado en noviembre de 2025 ha sido del 2,23%.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">En cuanto a las <a href=\"https:\/\/blog.trioteca.com\/que-es-una-hipoteca-bonificada\/\">bonificaciones<\/a>, el 97% iban con n\u00f3mina, el 49% con <a href=\"https:\/\/blog.trioteca.com\/seguro-de-hogar\/\">seguro de hogar<\/a> y el 47% con <a href=\"https:\/\/blog.trioteca.com\/seguro-de-vida-con-una-hipoteca-%EF%BF%BCrealmente-merecen-la-pena\/\">seguro de vida.<\/a><\/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-7a354ff elementor-widget elementor-widget-spacer\" data-id=\"7a354ff\" 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-dde7581 elementor-widget elementor-widget-image\" data-id=\"dde7581\" 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=\"800\" height=\"496\" src=\"https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2025\/11\/5-1.png?fit=800%2C496&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2025\/11\/5-1.png?w=2728&amp;ssl=1 2728w, https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2025\/11\/5-1.png?resize=860%2C533&amp;ssl=1 860w, https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2025\/11\/5-1.png?resize=1024%2C635&amp;ssl=1 1024w, https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2025\/11\/5-1.png?resize=768%2C476&amp;ssl=1 768w, https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2025\/11\/5-1.png?resize=1536%2C953&amp;ssl=1 1536w, https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2025\/11\/5-1.png?resize=2048%2C1270&amp;ssl=1 2048w, https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2025\/11\/5-1.png?w=1600&amp;ssl=1 1600w, https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2025\/11\/5-1.png?w=2400&amp;ssl=1 2400w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\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-b446614 elementor-widget elementor-widget-spacer\" data-id=\"b446614\" 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-5712b20 elementor-widget elementor-widget-text-editor\" data-id=\"5712b20\" 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>Hipotecas Mixtas<\/em><\/h3>\n<p><span style=\"font-weight: 400;\">Las <a href=\"https:\/\/blog.trioteca.com\/que-es-una-hipoteca-mixta-y-cuales-son-sus-requisitos\/\">hipotecas mixtas<\/a> <strong>han vivido unos a\u00f1os de oro<\/strong>, y es que no son una opci\u00f3n a descartar. Ofrecen unos a\u00f1os de tipo fijo mucho m\u00e1s asequible que el de las hipotecas fijas y, cuando pasan al tramo variable, si el Eur\u00edbor est\u00e1 alto, podremos cambiarlas. Adem\u00e1s, en su mayor\u00eda, y a diferencia de las hipotecas fijas, no tienen comisiones por amortizaci\u00f3n anticipada, lo que facilita ese cambio o reducir el plazo y pagar menos intereses.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Y \u00bfqu\u00e9 tipo de inter\u00e9s tienen estas hipotecas hoy en d\u00eda? En Trioteca, en noviembre de 2025, una media de un 1,77% en el tramo fijo y EUR+0,61% en el variable.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">En cuanto a las bonificaciones, el 85% iban con n\u00f3mina, seguro de hogar y vida.<\/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-89f032c elementor-widget elementor-widget-spacer\" data-id=\"89f032c\" 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-704ba99 elementor-widget elementor-widget-image\" data-id=\"704ba99\" 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=\"626\" height=\"312\" src=\"https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2025\/11\/Screenshot-2025-11-27-at-12.29.39.png?fit=626%2C312&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"\" 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-5b50fc3 elementor-widget elementor-widget-spacer\" data-id=\"5b50fc3\" 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-36fe193 elementor-widget elementor-widget-text-editor\" data-id=\"36fe193\" 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>Hipotecas Variables<\/em><\/h3>\n<p><span style=\"font-weight: 400;\">Realmente <strong>no tiene mucho sentido hablar del tipo de inter\u00e9s que tienen las hipotecas hoy a tipo variable, porque se han convertido en un porcentaje \u00ednfimo de las nuevas hipotecas que se formalizan.<\/strong> En Trioteca en noviembre no se firm\u00f3 ninguna hipoteca a tipo variable.<\/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-ce00c6d elementor-widget elementor-widget-spacer\" data-id=\"ce00c6d\" 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-f1e5013 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"f1e5013\" 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=tipohoy&#038;utm_id=tipohoyblog\" class=\"elementor-button-link elementor-button elementor-size-sm\" role=\"button\" id=\"mejora-blog\">\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\">Mejora tu 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-57e539a elementor-widget elementor-widget-spacer\" data-id=\"57e539a\" 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-e2e7cbb elementor-widget elementor-widget-text-editor\" data-id=\"e2e7cbb\" 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>Importante; el tipo de inter\u00e9s no es para siempre<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">El tipo de inter\u00e9s de hipoteca hoy puede rondar un 2%. Pero, <strong>no tienes que preocuparte sobre si, quiz\u00e1s, en unos a\u00f1os, podr\u00eda estar por debajo y t\u00fa hubieses contratado una hipoteca m\u00e1s \u201ccara\u201d.<\/strong> Y es que, si eso pasa, <a href=\"https:\/\/blog.trioteca.com\/cambiar-hipoteca-variable-a-fija\/\">podr\u00e1s renegociar tu hipoteca<\/a>. Es un derecho que contempla la <a href=\"https:\/\/blog.trioteca.com\/las-5-cosas-que-debes-saber-sobre-la-nueva-ley-hipotecaria\/\">\u201cley hipotecaria\u201d<\/a>, la ley de contratos de cr\u00e9dito inmobiliario.<\/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\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;9778&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;3&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;4.3&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;4.3\\\/5 - (3 votos)&quot;,&quot;size&quot;:&quot;24&quot;,&quot;width&quot;:&quot;122.2&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: 122.2px;\">\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            4.3\/5 - (3 votos)    <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>El tipo de inter\u00e9s de las hipotecas hoy es mucho mejor que el de hace un a\u00f1o, aunque las entidades est\u00e1n encareciendo sus ofertas<\/p>\n","protected":false},"author":9,"featured_media":9779,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[12],"tags":[8],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.14 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u00bfQu\u00e9 tipo de inter\u00e9s tienen las hipotecas hoy? 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