{"id":421,"date":"2016-01-18T09:54:14","date_gmt":"2016-01-18T08:54:14","guid":{"rendered":"http:\/\/blog.donpiso.com\/?p=421"},"modified":"2022-02-24T22:09:02","modified_gmt":"2022-02-24T21:09:02","slug":"como-sera-el-nuevo-euribor","status":"publish","type":"post","link":"https:\/\/blog.donpiso.com\/como-sera-el-nuevo-euribor\/","title":{"rendered":"\u00bfC\u00f3mo ser\u00e1 el nuevo Euribor?"},"content":{"rendered":"<p>Una de las grandes novedades que nos trae 2016 es el <strong>Euribor Plus<\/strong>, el nuevo \u00edndice de referencia hipotecario. Si bien es cierto que no existe una fecha oficial para su entrada en vigor, ya sabemos que entrar\u00e1 en periodo de prueba durante el segundo semestre de 2016, y que, en funci\u00f3n de los resultados, podr\u00eda entrar en vigor en 2017.<\/p>\n<p>Pero, \u00bfqu\u00e9 diferenciar\u00e1 a este nuevo \u00edndice de referencia respecto a su predecesor y actual modelo? <em>Inmodiario<\/em> recoge algunas de las claves como que, por ejemplo, ser\u00e1 necesaria una ley para que los contratos hipotecarios firmados contemplen este cambio en el tipo de referencia, y, sobre todo, que se calcular\u00e1 teniendo en cuenta solo las transacciones de pr\u00e9stamo efectivamente realizadas en el mercado.<\/p>\n<p>Pero m\u00e1s all\u00e1 de su implantaci\u00f3n, el objetivo que se persigue \u2018es buscar una mayor transparencia y una mayor representatividad en los tipos de referencia para las operaciones hipotecarias, ya que su fijaci\u00f3n depender\u00e1 del tipo real de pr\u00e9stamo y no de aquel al que las entidades estar\u00edan dispuestas a prestarse. Lo que, en teor\u00eda, ser\u00e1 un reflejo m\u00e1s fiel de la situaci\u00f3n real del mercado\u2019.<\/p>\n<p>La base ser\u00e1 la misma, pero el <strong>Euribor Plus<\/strong> marcar\u00e1 una nueva manera de c\u00e1lculo: tomar\u00e1 la tasa efectiva a la que los bancos realmente est\u00e1n prestando dinero, por lo que la manipulaci\u00f3n ser\u00e1 m\u00e1s complicada.<\/p>\n<p>Los expertos consideran que el <strong>Euribor Plus<\/strong> ser\u00e1 un \u00edndice \u2018m\u00e1s cercano a la realidad del mercado y menos manipulable\u2019. De esta manera, mientras el actual Euribor solo mide el inter\u00e9s medio que los 24 principales bancos europeos estar\u00edan dispuestos a prestarse dinero, el nuevo \u00edndice tendr\u00e1 en cuenta, adem\u00e1s de los pr\u00e9stamos que los bancos se hagan entre s\u00ed, los de grandes empresas, otras instituciones financieras y p\u00fablicas, pymes no financieras, aseguradoras, valores a corto plazo aportados por cualquier cliente mayorista y fondos de pensiones.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Una de las grandes novedades que nos trae 2016 es el Euribor Plus, el nuevo \u00edndice de referencia hipotecario. Si bien es cierto que no existe una fecha oficial para su entrada en vigor, ya sabemos que entrar\u00e1 en periodo de prueba durante el segundo semestre de 2016, y que, en funci\u00f3n de los resultados, [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":422,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[116,19,113,110,109],"tags":[45,83],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u00bfC\u00f3mo ser\u00e1 el nuevo Euribor?<\/title>\n<meta name=\"description\" content=\"Una de las grandes novedades que nos trae 2016 es el Euribor Plus, el nuevo \u00edndice de referencia hipotecario.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/blog.donpiso.com\/como-sera-el-nuevo-euribor\/\" \/>\n<meta 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