{"id":4978,"date":"2019-08-01T09:16:36","date_gmt":"2019-08-01T07:16:36","guid":{"rendered":"http:\/\/blog.donpiso.com\/?p=4978"},"modified":"2022-02-24T22:02:54","modified_gmt":"2022-02-24T21:02:54","slug":"euribor-cierra-mes-julio-marcando-nuevo-minimo","status":"publish","type":"post","link":"https:\/\/blog.donpiso.com\/euribor-cierra-mes-julio-marcando-nuevo-minimo\/","title":{"rendered":"El Eur\u00edbor cierra el mes de julio marcando un nuevo m\u00ednimo"},"content":{"rendered":"<p>El Eur\u00edbor, el \u00edndice que sirve de referencia en casi el 90% de las hipotecas a tipo variable, ha vuelto a marcar este mes de julio otro <strong>m\u00ednimo hist\u00f3rico<\/strong> y no se presagia, al menos a corto plazo, que vaya a producirse una remontada. As\u00ed, a cierre del mes de julio, el indicador se encuentra en el <strong>-0,280%<\/strong>, el nivel m\u00e1s bajo de su historia y sigue cayendo. De tal manera que beneficia a miles de hipotecados que ver\u00e1n como <strong>su cuota se reduce<\/strong> en el momento de revisar la hipoteca. Teniendo en cuenta a un ciudadano que tenga un pr\u00e9stamo de 150.000 euros a pagar en 30 a\u00f1os con un diferencial del 0,99%, deber\u00e1 abonar este mes una cuota de 463,11 euros, frente a los 469,42 euros que pagaba hace exactamente un a\u00f1o. La rebaja mensual se sit\u00faa en los 6,31 euros aproximadamente, o lo que ser\u00edan 75,72 euros anualmente.<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter size-full wp-image-4980\" src=\"http:\/\/blog.donpiso.com\/wp-content\/uploads\/2019\/08\/concepto-ahorro-ahorro-economia-contadora-o-calculadora-uso-bancario_1421-90.jpg\" alt=\"concepto-ahorro-ahorro-economia-contadora-o-calculadora-uso-bancario_1421-90\" width=\"626\" height=\"417\" srcset=\"https:\/\/blog.donpiso.com\/wp-content\/uploads\/2019\/08\/concepto-ahorro-ahorro-economia-contadora-o-calculadora-uso-bancario_1421-90.jpg 626w, https:\/\/blog.donpiso.com\/wp-content\/uploads\/2019\/08\/concepto-ahorro-ahorro-economia-contadora-o-calculadora-uso-bancario_1421-90-300x200.jpg 300w\" sizes=\"(max-width: 626px) 100vw, 626px\" \/><\/p>\n<p>Desde que el indicador tocara fondo hace 16 meses su comportamiento ha sido muy inestable. Resulta especialmente llamativo que tras cumplir los m\u00e1ximos hist\u00f3ricos del Eur\u00edbor hace 11 a\u00f1os, marcando un<strong> 5,39%<\/strong> en julio de 2008, se encuentre actualmente en m\u00ednimos hist\u00f3ricos situ\u00e1ndose en el <strong>-0,280%<\/strong>. Esta ca\u00edda en picado del Eur\u00edbor a tenido consecuencias directas en las pol\u00edticas comerciales de los bancos, que desde ya hace un par de a\u00f1os est\u00e1n apostando con fuerza por las hipotecas a tipo fijo, ya que estos les garantizan unos ingresos invariables.<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter size-full wp-image-4982\" src=\"http:\/\/blog.donpiso.com\/wp-content\/uploads\/2019\/08\/european-central-bank-office.jpg\" alt=\"european-central-bank-office\" width=\"800\" height=\"534\" srcset=\"https:\/\/blog.donpiso.com\/wp-content\/uploads\/2019\/08\/european-central-bank-office.jpg 800w, https:\/\/blog.donpiso.com\/wp-content\/uploads\/2019\/08\/european-central-bank-office-300x200.jpg 300w, https:\/\/blog.donpiso.com\/wp-content\/uploads\/2019\/08\/european-central-bank-office-768x513.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/p>\n<p>Esto queda reflejado, por ejemplo, en la \u00faltima estad\u00edstica del <strong>Instituto Nacional de Estad\u00edstica (INE)<\/strong> que constata que las hipotecas a tipo fijo representan ya el <strong>42,65%<\/strong> del total de los cr\u00e9ditos concedidos. De cara a los pr\u00f3ximos seis meses se prev\u00e9 que el Eur\u00edbor siga en esta zona de m\u00ednimos hist\u00f3ricos que ha alcanzado en el mes de julio, por eso, ya se esperan medidas por parte del Banco Central Europeo con el objetivo de mitigar el impacto de los tipos negativos en el sistema bancario.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>El Eur\u00edbor, el \u00edndice que sirve de referencia en casi el 90% de las hipotecas a tipo variable, ha vuelto a marcar este mes de julio otro m\u00ednimo hist\u00f3rico y no se presagia, al menos a corto plazo, que vaya a producirse una remontada. As\u00ed, a cierre del mes de julio, el indicador se encuentra [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":4979,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[19,113,109],"tags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>El Eur\u00edbor cierra el mes de julio marcando un nuevo m\u00ednimo | Donpiso Blog<\/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:\/\/blog.donpiso.com\/euribor-cierra-mes-julio-marcando-nuevo-minimo\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"El Eur\u00edbor cierra el mes de julio marcando un nuevo m\u00ednimo | Donpiso Blog\" \/>\n<meta property=\"og:description\" content=\"El Eur\u00edbor, el \u00edndice que sirve de referencia en casi el 90% de las hipotecas a tipo variable, ha vuelto a marcar este mes de julio otro m\u00ednimo hist\u00f3rico y no se presagia, al menos a corto plazo, que vaya a producirse una remontada. 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