{"id":9809,"date":"2026-03-19T11:35:23","date_gmt":"2026-03-19T10:35:23","guid":{"rendered":"https:\/\/blog.trioteca.com\/?p=9809"},"modified":"2026-03-24T18:16:53","modified_gmt":"2026-03-24T17:16:53","slug":"centro-de-estudios-trioteca-enero-2026","status":"publish","type":"post","link":"https:\/\/trioteca.com\/blog\/centro-de-estudios-trioteca-enero-2026\/","title":{"rendered":"Centro de Estudios TRIOTECA &#8211; Enero 2026"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"9809\" class=\"elementor elementor-9809\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a34201f e-container--column e-container\" data-id=\"a34201f\" data-element_type=\"container\">\t\t\t\t<div class=\"elementor-element elementor-element-0eacc8d elementor-widget elementor-widget-spacer\" data-id=\"0eacc8d\" 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-466c889 elementor-widget elementor-widget-text-editor\" data-id=\"466c889\" 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<ul>\n<li aria-level=\"1\">\n<div title=\"Page 3\">\n<div>\n<div>\n<div>\n<p><span style=\"font-weight: 400;\">En enero,&nbsp;<strong>el 93,87% de las hipotecas que se firman en TRIOTECA son a tipo fijo y<\/strong>&nbsp;el 6,13% a tipo mixto.<\/span><\/p><\/div><\/div><\/div><\/div><\/li><li aria-level=\"1\"><p><span style=\"background-color: transparent;\">La media del <\/span><a href=\"https:\/\/blog.trioteca.com\/que-es-el-euribor-y-como-funciona-en-las-hipotecas\/\" style=\"font-size: 16px;\">Eur\u00edbor<\/a><span style=\"background-color: transparent;\">&nbsp;se sit\u00faa en enero en una media del 2,247%.<\/span><\/p><\/li><li aria-level=\"1\"><p><span style=\"background-color: transparent;\">El inter\u00e9s a tipo fijo medio firmado de TRIOTECA se sit\u00faa en enero en el 2,25%. Las hipotecas mixtas cierran el mes de enero con una media del 1,68% en el periodo fijo, y del eur\u00edbor +0,76% en el periodo variable.<\/span><\/p><\/li><li aria-level=\"1\"><p><span style=\"background-color: transparent;\">Mejorar las condiciones de la hipoteca con TRIOTECA en enero se traduce en un <\/span><strong style=\"background-color: transparent;\">ahorro medio mensual de 134\u20ac para quienes han optado por el tipo fijo y 319\u20ac para quienes eligieron el tipo mixto.<\/strong><\/p><\/li><li aria-level=\"1\"><p><span style=\"background-color: transparent;\">El valor nominal medio de hipoteca que se solicita en enero es de <\/span><b style=\"background-color: transparent;\">208.000\u20ac.<\/b><\/p><\/li><li aria-level=\"1\"><p><span style=\"background-color: transparent;\">El valor medio de la vivienda financiada en enero es de&nbsp; <\/span><b style=\"background-color: transparent;\">328.000\u20ac.<\/b><\/p><\/li>\n<\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cceb997 elementor-widget elementor-widget-spacer\" data-id=\"cceb997\" 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-e00e640 elementor-widget elementor-widget-image\" data-id=\"e00e640\" 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=\"105\" height=\"105\" src=\"https:\/\/trioteca.com\/blog\/wp-content\/uploads\/2023\/06\/gonzalo-bernardos-hipotecas-trioteca.svg\" class=\"attachment-thumbnail size-thumbnail\" 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-036133c elementor-widget elementor-widget-text-editor\" data-id=\"036133c\" 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 style=\"color: #6b7280;\">Claves del mercado hipotecario<\/p>\n<p><!-- \/wp:heading --><!-- wp:heading {\"level\":4} --><\/p>\n<h2><strong>\u00bfMe conviene amortizar anticipadamente mi hipoteca?<\/strong><\/h2>\n<h3><strong>Por Gonzalo Bernardos<\/strong><\/h3>\n<div title=\"Page 6\">\n<div title=\"Page 4\">\n<div title=\"Page 4\">\n<p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;\"><b id=\"docs-internal-guid-4efa7281-7fff-294b-5dd3-45b48befc902\" style=\"font-weight: normal;\">\u00a0<\/b><\/p>\n<p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-indent: 35.4pt; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;\"><span style=\"font-size: 11pt; font-family: Onest,sans-serif; color: #000000; background-color: transparent; font-weight: 300; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">En 2025, el plazo medio inicial de las nuevas hipotecas destinadas a la adquisici\u00f3n de vivienda fue de 25,4 a\u00f1os. Una duraci\u00f3n mucho m\u00e1s elevada que la observada hace tres d\u00e9cadas (16 a\u00f1os), aunque significativamente inferior a la m\u00e1xima hist\u00f3rica registrada en 2008 (28,1 a\u00f1os). No <\/span><span style=\"font-size: 11pt; font-family: Onest, sans-serif; color: #000000; background-color: transparent; font-weight: 300; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\"><i>obstante<\/i><\/span><span style=\"font-size: 11pt; font-family: Onest,sans-serif; color: #000000; background-color: transparent; font-weight: 300; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">, en promedio, su vida efectiva ser\u00e1 sustancialmente m\u00e1s corta de la prevista.<\/span><\/p>\n<p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-indent: 35.4pt; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;\"><span style=\"font-size: 11pt; font-family: Onest,sans-serif; color: #000000; background-color: transparent; font-weight: 300; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">\u00a0<\/span><\/p>\n<p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-indent: 35.4pt; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;\"><span style=\"font-size: 11pt; font-family: Onest,sans-serif; color: #000000; background-color: transparent; font-weight: 300; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Una medida acertada, pero insuficiente, debido al escaso importe presupuestado. Desde mi perspectiva, el n\u00famero m\u00ednimo de los potenciales beneficiados ascend\u00eda a 2 millones de hogares, pues podr\u00edan optar a dichos pr\u00e9stamos los j\u00f3venes hasta 35 a\u00f1os y las familias con hijos menores de 18 a\u00f1os, sea cual fuera la edad de los progenitores. Por tanto, la probabilidad de que alguno de ellos accediera a una hipoteca de tales caracter\u00edsticas ser\u00eda tan solo de alrededor de un 2,5%. Hab\u00eda nacido la loter\u00eda inmobiliaria.<\/span><\/p>\n<p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;\"><b style=\"font-weight: normal;\">\u00a0<\/b><\/p>\n<p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-indent: 35.4pt; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;\"><span style=\"font-size: 11pt; font-family: Onest,sans-serif; color: #000000; background-color: transparent; font-weight: 300; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">No obstante, la medida ha logrado mucho menos \u00e9xito del esperado, pues en septiembre de 2025 el ICO solo hab\u00eda otorgado dicho aval a 7.188 adquirentes de vivienda. El problema no es el escaso inter\u00e9s de los potenciales beneficiados (la inexistencia de demanda), sino el de los bancos que conceden las hipotecas.\u00a0<\/span><\/p>\n<p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;\"><b style=\"font-weight: normal;\">\u00a0<\/b><\/p>\n<p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-indent: 35.4pt; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;\"><span style=\"font-size: 11pt; font-family: Onest,sans-serif; color: #000000; background-color: transparent; font-weight: 300; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">En el actual ejercicio, las entidades financieras han tenido un alud de interesados en la concesi\u00f3n de pr\u00e9stamos. Una coyuntura que las ha llevado a seleccionarlos en base a tres criterios: nivel de solvencia, rentabilidad proporcionada en el pr\u00f3ximo futuro y facilidad de tramitaci\u00f3n del cr\u00e9dito.<\/span><\/p>\n<p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;\"><b style=\"font-weight: normal;\">\u00a0<\/b><\/p>\n<p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-indent: 35.4pt; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;\"><span style=\"font-size: 11pt; font-family: Onest,sans-serif; color: #000000; background-color: transparent; font-weight: 300; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">En los tres criterios, los interesados en obtener una hipoteca con aval del ICO no salen bien en la foto. En primer lugar, porque sus solicitantes suelen ser j\u00f3venes, sus salarios son reducidos y su antig\u00fcedad en la actual empresa es escasa. En segundo, debido a que no poseen ahorros. No obstante, cuando los tengan en el futuro, la banca cree que una sustancial parte de ellos priorizar\u00e1 la reducci\u00f3n del importe de su hipoteca a la contrataci\u00f3n de fondos de inversi\u00f3n o planes de pensiones.<\/span><\/p>\n<p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;\"><b style=\"font-weight: normal;\">\u00a0<\/b><\/p>\n<p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-indent: 35.4pt; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;\"><span style=\"font-size: 11pt; font-family: Onest,sans-serif; color: #000000; background-color: transparent; font-weight: 300; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">En tercero, porque la concesi\u00f3n del anterior pr\u00e9stamo presenta una mayor complejidad que la de una hipoteca convencional, pues el ICO exige una serie de tr\u00e1mites burocr\u00e1ticos adicionales. Por dicho motivo, su tramitaci\u00f3n es m\u00e1s lenta y costosa. Con la finalidad de que las oficinas prioricen la atenci\u00f3n a sus mejores clientes y aumenten en mayor medida sus beneficios, algunos bancos impiden a sus tiendas el otorgamiento de dichas hipotecas y dirigen a los interesados a un departamento especial con escasa dotaci\u00f3n de personal.<\/span><\/p>\n<p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;\"><b style=\"font-weight: normal;\">\u00a0<\/b><\/p>\n<p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-indent: 35.4pt; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;\"><span style=\"font-size: 11pt; font-family: Onest,sans-serif; color: #000000; background-color: transparent; font-weight: 300; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">En resumen, para las entidades financieras, las hipotecas por el 100% del precio de la vivienda con aval del ICO tienen una gran ventaja y diversos inconvenientes. Por un lado, no generan la realizaci\u00f3n de ninguna provisi\u00f3n de importe superior al habitual, al formar parte el avalista del sector p\u00fablico.<\/span><\/p>\n<p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;\"><b style=\"font-weight: normal;\">\u00a0<\/b><\/p>\n<p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-indent: 35.4pt; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;\"><span style=\"font-size: 11pt; font-family: Onest,sans-serif; color: #000000; background-color: transparent; font-weight: 300; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Por el otro, la operaci\u00f3n presenta un riesgo superior al est\u00e1ndar, ofrece a medio plazo una rentabilidad inferior que la mayor parte de las hipotecas otorgadas y supone un coste adicional para la entidad. Por eso, una sustancial parte de las peticiones son denegadas y, en las aprobadas, el tipo de inter\u00e9s es significativamente superior al promedio del mercado. Un factor que desincentiva su contrataci\u00f3n, al que hay a\u00f1adir la tard\u00eda respuesta del banco a los solicitantes del pr\u00e9stamo.<\/span><\/p>\n<p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;\"><b style=\"font-weight: normal;\">\u00a0<\/b><\/p>\n<p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-indent: 35.4pt; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;\"><span style=\"font-size: 11pt; font-family: Onest,sans-serif; color: #000000; background-color: transparent; font-weight: 300; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Una coyuntura que probablemente desconozca por completo la Ministra de Vivienda y el Presidente del Gobierno. En primer lugar, porque nadie les habr\u00e1 informado del n\u00famero de hipotecas concedidas. En segundo, debido a que ellos no se han interesado por el grado de \u00e9xito o fracaso de la medida.\u00a0<\/span><\/p>\n<p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;\">\u00a0<\/p>\n<p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-indent: 35.4pt; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;\"><span style=\"font-size: 11pt; font-family: Onest,sans-serif; color: #000000; background-color: transparent; font-weight: 300; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Para dichos pol\u00edticos, como para casi todos los dem\u00e1s, lo verdaderamente importante no es el n\u00famero de pr\u00e9stamos concedidos por el 100% del precio de la vivienda, sino el impacto sobre los votantes del anuncio y la posterior publicidad de la medida. Tal y como dec\u00eda, una y otra vez, un presidente catal\u00e1n a sus consejeros, \u201clos ciudadanos debe creer que hacemos muchas cosas\u201d. Por si no han captado la profundidad de la frase, les recordar\u00e9 que creer y saber no son sin\u00f3nimos.\u00a0<\/span><\/p>\n<div><span style=\"font-size: 12pt; font-family: Onest,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n<\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ca2321a elementor-widget elementor-widget-spacer\" data-id=\"ca2321a\" 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-2dc96ce elementor-widget elementor-widget-text-editor\" data-id=\"2dc96ce\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><strong>Datos sobre la vivienda<\/strong><\/h2>\n<h3><b><i>Valor medio de la vivienda sobre la que se solicita una hipoteca<\/i><\/b><\/h3>\n<div class=\"page\" title=\"Page 7\">\n<div class=\"section\">\n<div class=\"layoutArea\">\n<div class=\"column\">\n<p><span style=\"font-weight: 400;\">El precio medio de la vivienda registra un aumento en enero.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-71b64a6 elementor-widget elementor-widget-image\" data-id=\"71b64a6\" 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=\"800\" height=\"496\" src=\"https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2026\/03\/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\/2026\/03\/1.png?w=2728&amp;ssl=1 2728w, https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2026\/03\/1.png?resize=860%2C533&amp;ssl=1 860w, https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2026\/03\/1.png?resize=1024%2C635&amp;ssl=1 1024w, https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2026\/03\/1.png?resize=768%2C476&amp;ssl=1 768w, https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2026\/03\/1.png?resize=1536%2C953&amp;ssl=1 1536w, https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2026\/03\/1.png?resize=2048%2C1270&amp;ssl=1 2048w, https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2026\/03\/1.png?w=1600&amp;ssl=1 1600w, https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2026\/03\/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-a6963d7 elementor-widget elementor-widget-spacer\" data-id=\"a6963d7\" 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-db7b090 elementor-widget elementor-widget-text-editor\" data-id=\"db7b090\" 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<h3><b><i>Tipo de vivienda<\/i><\/b><\/h3>\n<div class=\"page\" title=\"Page 8\">\n<div class=\"section\">\n<div class=\"layoutArea\">\n<div class=\"column\">\n<p><span style=\"font-weight: 400;\"><strong>El 97,01% de las viviendas adquiridas en enero son de segunda mano<\/strong>, mientras que el 2,99% han sido viviendas de obra nueva. <\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e5485e8 elementor-widget elementor-widget-image\" data-id=\"e5485e8\" 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=\"800\" height=\"496\" src=\"https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2026\/03\/2.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\/2026\/03\/2.png?w=2728&amp;ssl=1 2728w, https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2026\/03\/2.png?resize=860%2C533&amp;ssl=1 860w, https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2026\/03\/2.png?resize=1024%2C635&amp;ssl=1 1024w, https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2026\/03\/2.png?resize=768%2C476&amp;ssl=1 768w, https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2026\/03\/2.png?resize=1536%2C953&amp;ssl=1 1536w, https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2026\/03\/2.png?resize=2048%2C1270&amp;ssl=1 2048w, https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2026\/03\/2.png?w=1600&amp;ssl=1 1600w, https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2026\/03\/2.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-6623884 elementor-widget elementor-widget-spacer\" data-id=\"6623884\" 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-6746da4 elementor-widget elementor-widget-text-editor\" data-id=\"6746da4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><strong>Datos sobre hipotecas solicitadas<\/strong><\/h2>\n<h3><b>Valor nominal medio de la hipoteca solicitada<\/b><\/h3>\n<div class=\"page\" title=\"Page 9\">\n<div class=\"section\">\n<div class=\"layoutArea\">\n<div class=\"column\">\n<p><span style=\"font-weight: 400;\">El <a href=\"https:\/\/blog.trioteca.com\/hipoteca-media-en-espana\/\">valor nominal medio<\/a> solicitado en las hipotecas contratadas aumenta respecto al registrado en diciembre.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e589e62 elementor-widget elementor-widget-spacer\" data-id=\"e589e62\" 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-75e34ee elementor-widget elementor-widget-image\" data-id=\"75e34ee\" 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=\"800\" height=\"496\" src=\"https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2026\/03\/3.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\/2026\/03\/3.png?w=2728&amp;ssl=1 2728w, https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2026\/03\/3.png?resize=860%2C533&amp;ssl=1 860w, https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2026\/03\/3.png?resize=1024%2C635&amp;ssl=1 1024w, https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2026\/03\/3.png?resize=768%2C476&amp;ssl=1 768w, https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2026\/03\/3.png?resize=1536%2C953&amp;ssl=1 1536w, https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2026\/03\/3.png?resize=2048%2C1270&amp;ssl=1 2048w, https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2026\/03\/3.png?w=1600&amp;ssl=1 1600w, https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2026\/03\/3.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-7b140f8 elementor-widget elementor-widget-spacer\" data-id=\"7b140f8\" 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-2de1358 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"2de1358\" 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\" 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 gestor 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-bda1ae2 elementor-widget elementor-widget-spacer\" data-id=\"bda1ae2\" 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-9e269c1 elementor-widget elementor-widget-text-editor\" data-id=\"9e269c1\" 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<h3><b>Tipo de inter\u00e9s formalizado<\/b><\/h3>\n<div class=\"page\" title=\"Page 10\">\n<div class=\"section\">\n<div class=\"layoutArea\">\n<div class=\"column\">\n<p><span style=\"font-weight: 400;\">El tipo medio de las hipotecas mixtas en su periodo fijo es del 1,68%. Las fijas cierran en un TIN medio del 2,25%. <\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-35db573 elementor-widget elementor-widget-spacer\" data-id=\"35db573\" 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-f87cdec elementor-widget elementor-widget-image\" data-id=\"f87cdec\" 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=\"800\" height=\"512\" src=\"https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2026\/03\/Captura-de-pantalla-2026-03-24-a-las-18.09.50.png?fit=800%2C512&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2026\/03\/Captura-de-pantalla-2026-03-24-a-las-18.09.50.png?w=853&amp;ssl=1 853w, https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2026\/03\/Captura-de-pantalla-2026-03-24-a-las-18.09.50.png?resize=768%2C492&amp;ssl=1 768w\" 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-a828279 elementor-widget elementor-widget-spacer\" data-id=\"a828279\" 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-24f2a2a elementor-widget elementor-widget-text-editor\" data-id=\"24f2a2a\" 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<h3><b>El inter\u00e9s que m\u00e1s se ha formalizado<\/b><\/h3>\n<div class=\"page\" title=\"Page 11\">\n<div class=\"section\">\n<div class=\"layoutArea\">\n<div class=\"column\">\n<p><span style=\"font-weight: 400;\">La mayor\u00eda de las hipotecas solicitadas en enero son a tipo fijo y las variables desaparecen.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0ec9d00 elementor-widget elementor-widget-spacer\" data-id=\"0ec9d00\" 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-8ff25fd elementor-widget elementor-widget-image\" data-id=\"8ff25fd\" 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=\"800\" height=\"496\" src=\"https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2026\/03\/5.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\/2026\/03\/5.png?w=2728&amp;ssl=1 2728w, https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2026\/03\/5.png?resize=860%2C533&amp;ssl=1 860w, https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2026\/03\/5.png?resize=1024%2C635&amp;ssl=1 1024w, https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2026\/03\/5.png?resize=768%2C476&amp;ssl=1 768w, https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2026\/03\/5.png?resize=1536%2C953&amp;ssl=1 1536w, https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2026\/03\/5.png?resize=2048%2C1270&amp;ssl=1 2048w, https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2026\/03\/5.png?w=1600&amp;ssl=1 1600w, https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2026\/03\/5.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-d1a2db7 elementor-widget elementor-widget-spacer\" data-id=\"d1a2db7\" 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-66fa888 elementor-widget elementor-widget-text-editor\" data-id=\"66fa888\" 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<h3><b>Evoluci\u00f3n anual del tipo de inter\u00e9s<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">En las siguientes gr\u00e1ficas se puede visualizar el tipo de inter\u00e9s medio en Espa\u00f1a, tanto a tipo fijo como variable, seg\u00fan los datos del Instituto Nacional de Estad\u00edstica (INE), y el de los usuarios que han formalizado una hipoteca con TRIOTECA. Es evidente que trabajar mano a mano con un experto hipotecario es la alternativa real para conseguir un tipo de inter\u00e9s competitivo.<\/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-f763ff3 elementor-widget elementor-widget-spacer\" data-id=\"f763ff3\" 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-6b8127b elementor-widget elementor-widget-image\" data-id=\"6b8127b\" 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=\"800\" height=\"496\" src=\"https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2026\/03\/6.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\/2026\/03\/6.png?w=2728&amp;ssl=1 2728w, https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2026\/03\/6.png?resize=860%2C533&amp;ssl=1 860w, https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2026\/03\/6.png?resize=1024%2C635&amp;ssl=1 1024w, https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2026\/03\/6.png?resize=768%2C476&amp;ssl=1 768w, https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2026\/03\/6.png?resize=1536%2C953&amp;ssl=1 1536w, https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2026\/03\/6.png?resize=2048%2C1270&amp;ssl=1 2048w, https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2026\/03\/6.png?w=1600&amp;ssl=1 1600w, https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2026\/03\/6.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-7fb6e6d elementor-widget elementor-widget-spacer\" data-id=\"7fb6e6d\" 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-33aaab9 elementor-widget elementor-widget-text-editor\" data-id=\"33aaab9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><b>Evoluci\u00f3n del Eur\u00edbor<\/b><\/h2>\n<div class=\"page\" title=\"Page 13\">\n<div class=\"section\">\n<div class=\"layoutArea\">\n<div class=\"column\">\n<p>La media mensual del Eur\u00edbor en el mes de enero se encuentra en 2,246%.<span style=\"font-weight: 400;\"><br \/><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b5beeba elementor-widget elementor-widget-spacer\" data-id=\"b5beeba\" 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-ccc3760 elementor-widget elementor-widget-image\" data-id=\"ccc3760\" 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=\"800\" height=\"496\" src=\"https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2026\/03\/7.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\/2026\/03\/7.png?w=2728&amp;ssl=1 2728w, https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2026\/03\/7.png?resize=860%2C533&amp;ssl=1 860w, https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2026\/03\/7.png?resize=1024%2C635&amp;ssl=1 1024w, https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2026\/03\/7.png?resize=768%2C476&amp;ssl=1 768w, https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2026\/03\/7.png?resize=1536%2C953&amp;ssl=1 1536w, https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2026\/03\/7.png?resize=2048%2C1270&amp;ssl=1 2048w, https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2026\/03\/7.png?w=1600&amp;ssl=1 1600w, https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2026\/03\/7.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-07b19d0 elementor-widget elementor-widget-spacer\" data-id=\"07b19d0\" 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-79b470d elementor-widget elementor-widget-text-editor\" data-id=\"79b470d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><b>Mejora de condiciones<\/b><\/h2>\n<div class=\"page\" title=\"Page 14\">\n<div class=\"section\">\n<div class=\"layoutArea\">\n<div class=\"column\">\n<p><span style=\"font-weight: 400;\">\u00a0Aquellas personas que han cambiado su hipoteca variable a fija en enero ahorran 134\u20ac al mes.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-201da27 elementor-widget elementor-widget-image\" data-id=\"201da27\" 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=\"734\" height=\"434\" src=\"https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2026\/03\/Captura-de-pantalla-2026-03-24-a-las-18.10.17.png?fit=734%2C434&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-06f633a elementor-widget elementor-widget-image\" data-id=\"06f633a\" 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=\"714\" height=\"429\" src=\"https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2026\/03\/Captura-de-pantalla-2026-03-24-a-las-18.10.24.png?fit=714%2C429&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-d866e4f elementor-widget elementor-widget-spacer\" data-id=\"d866e4f\" 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-05d17a8 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"05d17a8\" 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\/mejorar-hipoteca\/provincia\" 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 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-a19dfc2 elementor-widget elementor-widget-spacer\" data-id=\"a19dfc2\" 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-53b3578 elementor-widget elementor-widget-text-editor\" data-id=\"53b3578\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><b>Perfil del solicitante de hipotecas<\/b><\/h2>\n<div class=\"page\" title=\"Page 15\">\n<div class=\"section\">\n<div class=\"layoutArea\">\n<div class=\"column\">\n<p>Este es el perfil de los contratantes de hipoteca en enero de 2026.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-912b038 elementor-widget elementor-widget-spacer\" data-id=\"912b038\" 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-77a317e elementor-widget elementor-widget-image\" data-id=\"77a317e\" 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=\"800\" height=\"496\" src=\"https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2026\/03\/10.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\/2026\/03\/10.png?w=2728&amp;ssl=1 2728w, https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2026\/03\/10.png?resize=860%2C533&amp;ssl=1 860w, https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2026\/03\/10.png?resize=1024%2C635&amp;ssl=1 1024w, https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2026\/03\/10.png?resize=768%2C476&amp;ssl=1 768w, https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2026\/03\/10.png?resize=1536%2C953&amp;ssl=1 1536w, https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2026\/03\/10.png?resize=2048%2C1270&amp;ssl=1 2048w, https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2026\/03\/10.png?w=1600&amp;ssl=1 1600w, https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2026\/03\/10.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-b834ce4 elementor-widget elementor-widget-image\" data-id=\"b834ce4\" 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=\"767\" height=\"315\" src=\"https:\/\/i0.wp.com\/trioteca.com\/blog\/wp-content\/uploads\/2026\/03\/Captura-de-pantalla-2026-03-24-a-las-18.12.10.png?fit=767%2C315&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-fc7cac6 elementor-widget elementor-widget-spacer\" data-id=\"fc7cac6\" 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-ba40df7 elementor-widget elementor-widget-text-editor\" data-id=\"ba40df7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><b>Nuestros expertos opinan<\/b><\/h2>\n<div><b>&nbsp;<\/b><\/div>\n<div class=\"page\" title=\"Page 16\">\n<div class=\"section\">\n<div class=\"layoutArea\">\n<div class=\"column\">\n<p><i><span style=\"font-weight: 300;\">\u201cHablar hoy de burbuja inmobiliaria es no mirar los datos, o no querer mirarlos. En 2006 se firmaban m\u00e1s de 5.300 hipotecas al d\u00eda; hoy estamos en torno a 2.000. No hay exceso de cr\u00e9dito ni morosidad descontrolada: lo que hay es un problema estructural de oferta.\u201d<\/span><\/i><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><em>Ricard Garriga Director General en TRIOTECA<\/em><\/p>\n<p><\/p>\n<p><i><span style=\"font-weight: 300;\">\u201cLa vivienda se ha encarecido con fuerza, pero al mismo tiempo la financiaci\u00f3n se ha abaratado como no ve\u00edamos desde hace a\u00f1os. Eso ha sostenido el mercado y explica por qu\u00e9 seguimos viendo actividad, sin los desequilibrios financieros que provocaron la crisis de 2008\u201d.<\/span><\/i><\/p>\n<p><em>Ricard Garriga Director General en TRIOTECA<\/em><\/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-3963cb5 elementor-widget elementor-widget-spacer\" data-id=\"3963cb5\" 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-75991d4 elementor-widget elementor-widget-text-editor\" data-id=\"75991d4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><b>\u00bfNecesitas m\u00e1s informaci\u00f3n?<\/b><\/h2>\n<div><b>\u00a0<\/b><\/div>\n<p><span style=\"font-weight: 400;\">El Centro de Estudios de TRIOTECA es el departamento de investigaci\u00f3n de la compa\u00f1\u00eda que analiza el sector hipotecario en Espa\u00f1a. Este centro elabora de forma peri\u00f3dica informes de sector a partir de los datos extra\u00eddos de TRIOTECA, la plataforma hipotech de referencia en Espa\u00f1a que acompa\u00f1a al usuario en todo el proceso hipotecario.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Para ampliar la informaci\u00f3n ponte en contacto con nuestro equipo de expertos.<\/span><\/p>\n<p>Atenci\u00f3n al cliente: hola@trioteca.com<br \/>Prensa y medios de comunicaci\u00f3n: press@trioteca.com<br \/>Sitio web:\u00a0trioteca.com<br \/>Tel\u00e9fono: 910 054 391<\/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-f3fbb4f elementor-widget elementor-widget-spacer\" data-id=\"f3fbb4f\" 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-8ed5355 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"8ed5355\" 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-prod.s3.eu-west-3.amazonaws.com\/CET2601\/CET_enero_2026.pdf\" 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\">Descargar informe completo<\/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<\/div>\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;9809&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;42&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;4.6&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;4.6\\\/5 - (42 votos)&quot;,&quot;size&quot;:&quot;24&quot;,&quot;width&quot;:&quot;130.9&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: 130.9px;\">\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            4.6\/5 - (42 votos)    <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>El Centro de Estudios de TRIOTECA ha publicado su nuevo informe. Descubre c\u00f3mo han sido las hipotecas en enero de 2026 \ud83d\ude80<\/p>\n","protected":false},"author":9,"featured_media":9918,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[46,43],"tags":[39,40],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.14 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Centro de Estudios TRIOTECA - Enero 2026 - Trioteca Blog<\/title>\n<meta name=\"description\" content=\"El Centro de Estudios de TRIOTECA ha publicado su nuevo informe. 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