{"id":63460,"date":"2020-12-30T10:58:21","date_gmt":"2020-12-30T09:58:21","guid":{"rendered":"https:\/\/inmocosta.com\/em-puc-permetre-comprar-una-casa\/"},"modified":"2020-12-30T12:05:51","modified_gmt":"2020-12-30T11:05:51","slug":"em-puc-permetre-comprar-una-casa","status":"publish","type":"post","link":"https:\/\/inmocosta.com\/fr\/em-puc-permetre-comprar-una-casa\/","title":{"rendered":"Em puc permetre comprar una casa?"},"content":{"rendered":"

Em puc permetre comprar una casa?<\/h3>\n

No tothom pot permetre’s comprar una casa. De fet, un informe recentment publicat per Global Advisor de Ipsos revela que gaireb\u00e9 7 de cada 10 espanyols veuen poc probable que puguin permetre’s comprar un habitatge a la seva ciutat. No obstant aix\u00f2, en moltes zones d’Espanya resulta m\u00e9s barat pagar una hipoteca mes a mes que abonar el que costa un lloguer.<\/p>\n

Per aquest motiu moltes persones es plantegin comprar una casa en propietat. Si tens previst fer-ho o t’ho est\u00e0s pensant, seria bo que tinguis en compte una s\u00e8rie de q\u00fcestions, imprescindibles per a determinar la viabilitat de la compra.<\/p>\n

Tenir uns ingressos estables<\/strong><\/p>\n

I elevats, clar. Si no tens treball o actualment est\u00e0s sense ingressos, plantejar-se la compra d’un habitatge \u00e9s senzillament inviable. Per a poder contractar un pr\u00e9stec hipotecari el banc et demanar\u00e0 proves que tens uns ingressos estables, regulars i relativament elevats. Tamb\u00e9 \u00e9s important no tenir altres cr\u00e8dits pendents, per a no caure en el que es denomina \u2018sobreendeudamiento\u2019.<\/p>\n

Segons recomanacions del propi Banc d’Espanya, el m\u00e9s recomanable \u00e9s no destinar m\u00e9s del 35% dels ingressos mensuals nets al pagament dels deutes. D’aquesta manera, si cobres 1.500 euros, els teus deutes hipotecaris i d’altres pr\u00e9stecs no haurien de sumar m\u00e9s de 525 euros.<\/p>\n

\"\"<\/a><\/figure>\n

Comptar amb estalvis<\/strong><\/p>\n

Si comprar una casa \u00e9s complicat en els temps que corren, tenir estalvis, encara m\u00e9s. La majoria de bancs no financen el 100% del preu de l’habitatge, de manera que si sol\u00b7licites una hipoteca, el m\u00e9s probable \u00e9s que l’entitat financera tan sols decideixi cobrir-te un 80% (com a m\u00e0xim) del valor de la taxaci\u00f3 o de compravenda de l’immoble. Per aquest motiu sigui tan important tenir estalvis.<\/p>\n

Una altra q\u00fcesti\u00f3 que has de tenir en compte i que no sempre es contempla \u00e9s la de les despeses de constituci\u00f3 de la hipoteca i els de compravenda. Encara que ara mateix alguns els cobreix el banc, \u00e9s important que s\u00e0pigues que el mer tr\u00e0mit de la compra suposa unes despeses d’entre el 10 i el 15% del valor de l’immoble.<\/p>\n

Hipoteca a tipus fix o variable?<\/strong><\/p>\n

L’Eur\u00edbor \u00e9s l’\u00edndex pel qual es regeixen la majoria d’hipoteques al nostre pa\u00eds. Actualment, i a pesar que porta tres mesos pujant, ha tocat m\u00ednims i les hipoteques s’han tornat a abaratir. No obstant aix\u00f2, una pujada de l’\u00edndex provocaria un encariment de les quotes mensuals. En aquest sentit, haur\u00e0s de calcular si podries pagar les mensualitats en el cas que l’Eur\u00edbor a 12 mesos registr\u00e9s uns valors d’entre el 2% i el 3% (\u00e9s la seva mitjana hist\u00f2rica).<\/p>\n

Una manera d’evitar que els vaivens de l’Eur\u00edbor repercuteixin en la nostra hipoteca \u00e9s la de contractar una hipoteca a tipus fix. L’inter\u00e8s d’aquests pr\u00e9stecs es mant\u00e9 sempre constant, per la qual cosa les seves quotes mai canvien. A m\u00e9s, els bancs ofereixen actualment uns tipus d’al voltant del 2%, aix\u00ed que pot ser un bon moment per a contractar un d’aquests productes. Aix\u00f2 s\u00ed, has de tenir present que, en aquest cas, les quotes seran una mica m\u00e9s altes, ja que l’inter\u00e8s de les hipoteques fixes \u00e9s, de moment, una mica m\u00e9s alt que el de les variables.<\/p>\n\n\n

Font : Habitaclia 23\/09\/2020<\/p>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

Em puc permetre comprar una casa? No tothom pot permetre’s comprar una casa. De fet, un informe recentment publicat per Global Advisor de Ipsos revela que gaireb\u00e9 7 de cada 10 espanyols veuen poc probable que puguin permetre’s comprar un habitatge a la seva ciutat. No obstant aix\u00f2, en moltes zones d’Espanya resulta m\u00e9s barat pagar una hipoteca mes a mes que abonar el que costa un lloguer. …<\/p>\n","protected":false},"author":1,"featured_media":63454,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[424,318,311,319],"tags":[2932,2933,2826],"class_list":["post-63460","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-compra-vivendes-fr","category-immobiliere","category-taxation-fr","category-ventes","tag-compra-venda-habitatges-fr","tag-habitaclia-2-fr","tag-habitaclia-news-fr"],"yoast_head":"\nEm puc permetre comprar una casa? - Inmocosta API l'Estartit<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/inmocosta.com\/fr\/em-puc-permetre-comprar-una-casa\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Em puc permetre comprar una casa? - Inmocosta API l'Estartit\" \/>\n<meta property=\"og:description\" content=\"Em puc permetre comprar una casa? No tothom pot permetre’s comprar una casa. De fet, un informe recentment publicat per Global Advisor de Ipsos revela que gaireb\u00e9 7 de cada 10 espanyols veuen poc probable que puguin permetre’s comprar un habitatge a la seva ciutat. 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