{"id":88,"date":"2011-03-23T09:30:00","date_gmt":"2011-03-23T09:30:00","guid":{"rendered":"http:\/\/www.vivirenalcorcon.com\/nueva-web\/blog\/2011\/03\/23\/las-cuentas-faciles\/"},"modified":"2015-10-19T10:15:36","modified_gmt":"2015-10-19T10:15:36","slug":"las-cuentas-faciles","status":"publish","type":"post","link":"https:\/\/www.nuevomilenio-inmo.com\/blog\/las-cuentas-faciles\/","title":{"rendered":"Las cuentas f\u00e1ciles"},"content":{"rendered":"<p>En los \u00faltimos tres meses hemos visto al euribor repuntar casi medio punto, asimismo su tendencia alcista permanece y puede verse acelerada con la previsible subida de tipos del BCE en abril. Por otro lado, las entidades financieras han cambiado su estrategia de precios para el mercado hipotecario, doblando de promedio los diferenciales que aplican al euribor.<\/p>\n<p>De tal forma que lo que en diciembre era Euribor+0,70, en la pr\u00e1ctica un 2,10%, ahora en abril ser\u00e1 E+1,5, es decir, ahora un 3,5%.<\/p>\n<p>Ahora veamos como afecta esto&nbsp;a una pareja&nbsp;que quiere comprar un piso de&nbsp;2 dormitorios en Parque Oeste, donde el precio medio actual de los mismos es de 260.000 \u20ac y su valor de tasaci\u00f3n probable no ser\u00e1 superior a esa cifra. <\/p>\n<p>El banco en diciembre les prestaba el 80% del valor de tasaci\u00f3n siempre que la cuota mensual de hipoteca no excediera del 35% de sus ingresos, calculados al E+diferencial (de diciembre). Eso supone que, con un pr\u00e9stamo a 35 a\u00f1os (porque son jovencitos), ten\u00edan que acreditar ingresos mensuales estables de unos 2.000 \u20ac y aportar al menos unos ahorros (contando el 10% de gastos de escrituraci\u00f3n) de 75.000 \u20ac (bonita cifra para tener ahorrada!!!).<\/p>\n<p>En cambio, ahora en abril tendr\u00e1n que acreditar unos 2.400 \u20ac al mes para conseguir los mismos 200.000 \u20ac o bien, si sus ingresos no eran superiores a 2.000 \u20ac, el banco les bajar\u00e1 el pr\u00e9stamo a 167.000\u20ac (lo que supone una reducci\u00f3n de su capacidad de financiaci\u00f3n de aprox. el 15%), o como \u00faltimo recurso tendr\u00e1n que aportar aprox 100.000 \u20ac de fondos propios para comprar la misma vivienda. (\u00bf\u00bfconoc\u00e9is muchos compradores con 100.000 \u20ac ahorrados??).<\/p>\n<p>CONCLUSI\u00d3N:<br \/>La evoluci\u00f3n de los precios de la oferta entonces deber\u00eda ser&#8230;<\/p>\n<p>blanco y en botella&#8230;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>En los \u00faltimos tres meses hemos visto al euribor repuntar casi medio punto, asimismo su tendencia alcista permanece y puede [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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