{"id":291,"date":"2024-10-08T11:21:56","date_gmt":"2024-10-08T09:21:56","guid":{"rendered":"http:\/\/wilcoxlife2.desarrollowebda.com\/?p=291"},"modified":"2025-06-25T12:52:53","modified_gmt":"2025-06-25T10:52:53","slug":"el-mercado-hipotecario-se-reactiva-tras-el-paron-de-2023-segun-el-banco-de-espana","status":"publish","type":"post","link":"https:\/\/wilcoxlife.com\/en\/2024\/10\/08\/el-mercado-hipotecario-se-reactiva-tras-el-paron-de-2023-segun-el-banco-de-espana\/","title":{"rendered":"The mortgage market reactivates after the 2023 halt, according to the Bank of Spain."},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"291\" class=\"elementor elementor-291\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3603fa28 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3603fa28\" data-element_type=\"section\" data-e-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-57615d69\" data-id=\"57615d69\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-54dc571a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"54dc571a\" data-element_type=\"section\" data-e-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-inner-column elementor-element elementor-element-1e5a7905\" data-id=\"1e5a7905\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-19b6dfd9 elementor-invisible elementor-widget elementor-widget-image\" data-id=\"19b6dfd9\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" 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 fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"418\" src=\"https:\/\/wilcoxlife.com\/wp-content\/uploads\/2024\/10\/2147694586-1024x535.jpg\" class=\"attachment-large size-large wp-image-293\" alt=\"Inversi\u00f3n inmobiliaria con wilcox residencial\" srcset=\"https:\/\/wilcoxlife.com\/wp-content\/uploads\/2024\/10\/2147694586-1024x535.jpg 1024w, https:\/\/wilcoxlife.com\/wp-content\/uploads\/2024\/10\/2147694586-300x157.jpg 300w, https:\/\/wilcoxlife.com\/wp-content\/uploads\/2024\/10\/2147694586-768x401.jpg 768w, https:\/\/wilcoxlife.com\/wp-content\/uploads\/2024\/10\/2147694586.jpg 1200w\" 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\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-755dc359 elementor-invisible elementor-widget elementor-widget-post-info\" data-id=\"755dc359\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-495ecd7 elementor-inline-item\" itemprop=\"datePublished\">\n\t\t\t\t\t\t<a href=\"https:\/\/wilcoxlife.com\/en\/2024\/10\/08\/\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-calendar-alt\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M148 288h-40c-6.6 0-12-5.4-12-12v-40c0-6.6 5.4-12 12-12h40c6.6 0 12 5.4 12 12v40c0 6.6-5.4 12-12 12zm108-12v-40c0-6.6-5.4-12-12-12h-40c-6.6 0-12 5.4-12 12v40c0 6.6 5.4 12 12 12h40c6.6 0 12-5.4 12-12zm96 0v-40c0-6.6-5.4-12-12-12h-40c-6.6 0-12 5.4-12 12v40c0 6.6 5.4 12 12 12h40c6.6 0 12-5.4 12-12zm-96 96v-40c0-6.6-5.4-12-12-12h-40c-6.6 0-12 5.4-12 12v40c0 6.6 5.4 12 12 12h40c6.6 0 12-5.4 12-12zm-96 0v-40c0-6.6-5.4-12-12-12h-40c-6.6 0-12 5.4-12 12v40c0 6.6 5.4 12 12 12h40c6.6 0 12-5.4 12-12zm192 0v-40c0-6.6-5.4-12-12-12h-40c-6.6 0-12 5.4-12 12v40c0 6.6 5.4 12 12 12h40c6.6 0 12-5.4 12-12zm96-260v352c0 26.5-21.5 48-48 48H48c-26.5 0-48-21.5-48-48V112c0-26.5 21.5-48 48-48h48V12c0-6.6 5.4-12 12-12h40c6.6 0 12 5.4 12 12v52h128V12c0-6.6 5.4-12 12-12h40c6.6 0 12 5.4 12 12v52h48c26.5 0 48 21.5 48 48zm-48 346V160H48v298c0 3.3 2.7 6 6 6h340c3.3 0 6-2.7 6-6z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-date\">\n\t\t\t\t\t\t\t\t\t\t<time>October 8, 2024<\/time>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-513e7354 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"513e7354\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"single-post__sub\"><div class=\"news-full__standfirst\"><div class=\"field field--name-field-standfirst field--type-string field--label-hidden field__item\"><span style=\"color: #c3521f;\"><strong>Entre enero y agosto, los bancos concedieron cr\u00e9ditos para adquirir vivienda por un volumen total de 41.658 millones de euros, con un alza del 12,4% interanual.<\/strong><\/span><\/div><\/div><div dir=\"auto\">\u00a0<\/div><div dir=\"auto\"><p data-mrf-recirculation=\"[Article] Inline paragraph\">El mercado hipotecario se ha reactivado durante 2024 despu\u00e9s del par\u00f3n que registr\u00f3 el a\u00f1o pasado en un contexto de subida de los tipos de inter\u00e9s, seg\u00fan los datos que recoge Banco de Espa\u00f1a.<\/p><p>En concreto, entre enero y agosto,\u00a0<span style=\"color: #c3521f;\"><strong>los bancos concedieron cr\u00e9ditos para adquirir vivienda por un volumen total de 41.658 millones de euros, lo que supone un incremento del 12,4%\u00a0<\/strong><\/span>frente a los 37.067 millones concedidos en el mismo periodo de 2023.<\/p><p>En t\u00e9rminos absolutos, los datos de concesi\u00f3n entre enero y agosto fueron un 6,8% inferiores a los de 2022, cuando se registraron 44.721 millones de euros. Si no se tiene en cuenta este a\u00f1o, el volumen concedido est\u00e1 en m\u00e1ximos desde 2010.<\/p><p>Solamente con respecto a los datos de agosto, los bancos concedieron 3.667 millones de euros, un 44,9% menos que en julio, como es tradicional al ser el mes m\u00e1s vacacional del verano, aunque en t\u00e9rminos interanuales el volumen aument\u00f3 un 1%.<\/p><p data-mrf-recirculation=\"[Article] Inline paragraph\">Si embargo, las nuevas concesiones de hipotecas no compensaron en agosto las amortizaciones, por lo que el \u2018stock\u2019 hipotecario vivo se situ\u00f3 en agosto en 495.170 millones de euros, dos millones por debajo de julio. En todo caso,\u00a0<span style=\"color: #c3521f;\"><strong>el cr\u00e9dito vivo en lo que va de a\u00f1o ha subido en 184 millones de euros<\/strong><\/span>, de acuerdo con los datos del supervisor financiero.<\/p><p>Con respecto a los tipos de inter\u00e9s, los tipos TEDR que publica Banco de Espa\u00f1a (que no incluyen gastos conexos como primas por seguros o comisiones que compenses costes directos) se situaron en el\u00a0<strong><span style=\"color: #c3521f;\">3,38% para las concesiones hipotecarias de agosto, con una subida testimonial<\/span>\u00a0<\/strong>respecto a julio (cuatro puntos b\u00e1sicos) y una ca\u00edda de medio punto frente al a\u00f1o pasado. A pesar de dicho descenso de 55 puntos b\u00e1sicos, los tipos siguen por encima de la media de la \u00faltima d\u00e9cada.<\/p><p>De esta forma,\u00a0<span style=\"color: #c3521f;\"><strong>el tipo medio ponderado del saldo vivo hipotecario fue del 3,60%<\/strong><\/span>, dos puntos b\u00e1sicos por debajo de julio. En comparaci\u00f3n con agosto de 2023 el tipo subi\u00f3 en 16 puntos b\u00e1sicos.<\/p><p data-mrf-recirculation=\"[Article] Inline paragraph\">El mercado reacciona a las bajadas de tipos<\/p><\/div><\/div>\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-e1c98ad elementor-widget elementor-widget-heading\" data-id=\"e1c98ad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Mejoran las condiciones de las hipotecas\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9c31f31 elementor-widget elementor-widget-text-editor\" data-id=\"9c31f31\" data-element_type=\"widget\" data-e-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\t\t<div dir=\"auto\"><p data-mrf-recirculation=\"[Article] Inline paragraph\">El BCE ha bajado dos veces los tipos de inter\u00e9s en los \u00faltimos d\u00edas: primero lo hizo en junio y luego en septiembre. En ambos casos los recortes han sido de 25 puntos b\u00e1sicos y las previsiones apuntan a que no ser\u00e1n los \u00faltimos del a\u00f1o: el mercado ya descuenta que habr\u00e1 otro en la reuni\u00f3n de octubre.<\/p><p data-mrf-recirculation=\"[Article] Inline paragraph\">Esta flexibilizaci\u00f3n monetaria est\u00e1 provocando una\u00a0<span style=\"color: #c3512f;\"><a style=\"color: #c3512f;\" href=\"https:\/\/www.idealista.com\/news\/finanzas\/hipotecas\/2024\/09\/26\/820018-las-mejores-hipotecas-tras-la-ultima-bajada-de-tipos-del-bce\" data-mrf-link=\"https:\/\/www.idealista.com\/news\/finanzas\/hipotecas\/2024\/09\/26\/820018-las-mejores-hipotecas-tras-la-ultima-bajada-de-tipos-del-bce\">mejora de las ofertas hipotecarias por parte de la banca.<\/a>\u00a0<\/span>Actualmente ya hay nueve entidades financieras que comercializan hiptecas fijas para la compra de vivienda a un\u00a0tipo de inter\u00e9s de entre el 2,6% y el 2,99%, con las m\u00e1ximas bonificaciones. Tambi\u00e9n hay\u00a0opciones mixtas con intereses inferiores al 2% y han vuelto las hipotecas variables con diferenciales por debajo del 0,50%. Unas condiciones que podr\u00edan mejorar en los pr\u00f3ximos meses, a medida que baje el precio del dinero en la eurozona.<\/p><\/div><p data-mrf-recirculation=\"[Article] Inline paragraph\">Fuente; Idealista<\/p>\t\t\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<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Entre enero y agosto, los bancos concedieron cr\u00e9ditos para adquirir vivienda por un volumen total de 41.658 millones de euros, con un alza del 12,4% interanual.\u00a0 El mercado hipotecario se ha reactivado durante 2024 despu\u00e9s del par\u00f3n que registr\u00f3 el a\u00f1o pasado en un contexto de subida de los tipos de inter\u00e9s, seg\u00fan los datos [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":293,"comment_status":"open","ping_status":"open","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-291","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sin-categoria"],"aioseo_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - 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