{"id":128144,"date":"2022-10-16T10:44:41","date_gmt":"2022-10-16T08:44:41","guid":{"rendered":"https:\/\/rmarketingdigital.com\/negocios\/hipoteca-fija-o-variable\/"},"modified":"2021-04-11T07:48:06","modified_gmt":"2021-04-11T05:48:06","slug":"hipoteca-fija-o-variable","status":"publish","type":"post","link":"https:\/\/rmarketingdigital.com\/en\/business\/hipoteca-fija-o-variable\/","title":{"rendered":"Fixed or variable mortgage?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_86 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/rmarketingdigital.com\/en\/business\/hipoteca-fija-o-variable\/#Principales-diferencias-entre-hipoteca-fija-o-variable\" >Main differences between fixed or variable mortgage<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/rmarketingdigital.com\/en\/business\/hipoteca-fija-o-variable\/#Una-hipoteca-fija-o-variable-segun-el-momento\" >A fixed or variable mortgage depending on the moment<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/rmarketingdigital.com\/en\/business\/hipoteca-fija-o-variable\/#Segun-politicas-monetarias-sobre-tipos-de-interes\" >According to monetary policies on interest rates<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/rmarketingdigital.com\/en\/business\/hipoteca-fija-o-variable\/#Segun-el-capital-disponible-para-el-comprador\" >According to the capital available to the buyer<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/rmarketingdigital.com\/en\/business\/hipoteca-fija-o-variable\/#Predisposicion-emocional-al-riesgo\" >Emotional predisposition to risk<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<div>\n<p><picture class=\"alignnone size-full wp-image-22709\"><source type=\"image\/webp\" data-lazy-srcset=\"https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2020\/10\/hipoteca-media.jpg.webp 1200w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2020\/10\/hipoteca-media-300x217.jpg.webp 300w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2020\/10\/hipoteca-media-1024x741.jpg.webp 1024w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2020\/10\/hipoteca-media-768x556.jpg.webp 768w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2020\/10\/hipoteca-media-400x289.jpg.webp 400w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2020\/10\/hipoteca-media-415x300.jpg.webp 415w\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns='http:\/\/www.w3.org\/2000\/svg'%20viewBox='0%200%201200%20868'%3E%3C\/svg%3E\" data-lazy-sizes=\"(max-width: 1200px) 100vw, 1200px\"><\/source><br \/>\n<img alt='average-mortgage-7959909' width='1200' height='868' srcset='\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/hipoteca-media-7959909.jpg 1200w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/hipoteca-media-7959909-300x217.jpg 300w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/hipoteca-media-7959909-1024x741.jpg 1024w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/hipoteca-media-7959909-768x556.jpg 768w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/hipoteca-media-7959909-16x12.jpg 16w' data-lazy-sizes='(max-width: 1200px) 100vw, 1200px' src='https:\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/hipoteca-media-7959909.jpg'>\n<\/picture><\/p>\n<p><noscript><picture class=\"alignnone size-full wp-image-22709\"><source type=\"image\/webp\" srcset=\"https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2020\/10\/hipoteca-media.jpg.webp 1200w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2020\/10\/hipoteca-media-300x217.jpg.webp 300w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2020\/10\/hipoteca-media-1024x741.jpg.webp 1024w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2020\/10\/hipoteca-media-768x556.jpg.webp 768w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2020\/10\/hipoteca-media-400x289.jpg.webp 400w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2020\/10\/hipoteca-media-415x300.jpg.webp 415w\" sizes=\"(max-width: 1200px) 100vw, 1200px\"><\/source><br \/>\n<img alt='average-mortgage-7959909' src='https:\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/hipoteca-media-7959909.jpg' width='1200' height='868' srcset='\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/hipoteca-media-7959909.jpg 1200w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/hipoteca-media-7959909-300x217.jpg 300w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/hipoteca-media-7959909-1024x741.jpg 1024w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/hipoteca-media-7959909-768x556.jpg 768w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/hipoteca-media-7959909-16x12.jpg 16w' sizes='(max-width: 1200px) 100vw, 1200px'>\n<\/picture>\n<\/noscript><\/p>\n<p>Choosing between a fixed or variable mortgage can be difficult if we are not sure where we are. It is the problem of many people when signing a mortgage, deciding between one and the other. Actually, <strong>Both options have their good and bad quirks.<\/strong>, but everything will depend on the context in which the person is. The context that can end up influencing this decision the most may be monetary policy, available capital and an emotional predisposition to risk or not.<\/p>\n<p>There are many websites that talk about the advantages and disadvantages of obtaining a fixed or variable mortgage. It can be a bit confusing for people who like letters or pictures more than numbers. That is why the claim of this post is that, without neglecting what is the most profitable or successful, bring it a little closer to the general public and make it well understood what those interests hide through graphics and examples. From this dynamic, help to establish according to your profile which mortgage you prefer.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Principales-diferencias-entre-hipoteca-fija-o-variable\"><\/span><span id=\"Diferencias_principales_entre_hipoteca_fija_o_variable\">Main differences between fixed or variable mortgage<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><picture class=\"alignnone size-full wp-image-22710\"><source type=\"image\/webp\" data-lazy-srcset=\"https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2020\/10\/hipoteca-fija.jpg.webp 1200w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2020\/10\/hipoteca-fija-300x200.jpg.webp 300w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2020\/10\/hipoteca-fija-1024x683.jpg.webp 1024w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2020\/10\/hipoteca-fija-768x512.jpg.webp 768w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2020\/10\/hipoteca-fija-400x267.jpg.webp 400w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2020\/10\/hipoteca-fija-450x300.jpg.webp 450w\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns='http:\/\/www.w3.org\/2000\/svg'%20viewBox='0%200%201200%20800'%3E%3C\/svg%3E\" data-lazy-sizes=\"(max-width: 1200px) 100vw, 1200px\"><\/source><br \/>\n<img alt='fixed-mortgage-8607692' width='1200' height='800' srcset='\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/hipoteca-fija-8607692.jpg 1200w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/hipoteca-fija-8607692-300x200.jpg 300w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/hipoteca-fija-8607692-1024x683.jpg 1024w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/hipoteca-fija-8607692-768x512.jpg 768w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/hipoteca-fija-8607692-16x12.jpg 16w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/hipoteca-fija-8607692-900x600.jpg 900w' data-lazy-sizes='(max-width: 1200px) 100vw, 1200px' src='https:\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/hipoteca-fija-8607692.jpg'>\n<\/picture><\/p>\n<p><noscript><picture class=\"alignnone size-full wp-image-22710\"><source type=\"image\/webp\" srcset=\"https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2020\/10\/hipoteca-fija.jpg.webp 1200w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2020\/10\/hipoteca-fija-300x200.jpg.webp 300w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2020\/10\/hipoteca-fija-1024x683.jpg.webp 1024w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2020\/10\/hipoteca-fija-768x512.jpg.webp 768w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2020\/10\/hipoteca-fija-400x267.jpg.webp 400w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2020\/10\/hipoteca-fija-450x300.jpg.webp 450w\" sizes=\"(max-width: 1200px) 100vw, 1200px\"><\/source><br \/>\n<img alt='fixed-mortgage-8607692' src='https:\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/hipoteca-fija-8607692.jpg' width='1200' height='800' srcset='\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/hipoteca-fija-8607692.jpg 1200w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/hipoteca-fija-8607692-300x200.jpg 300w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/hipoteca-fija-8607692-1024x683.jpg 1024w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/hipoteca-fija-8607692-768x512.jpg 768w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/hipoteca-fija-8607692-16x12.jpg 16w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/hipoteca-fija-8607692-900x600.jpg 900w' sizes='(max-width: 1200px) 100vw, 1200px'>\n<\/picture>\n<\/noscript><\/p>\n<p>Assuming that we all know what a mortgage is, we are going to see the main differences between one mortgage and another.<\/p>\n<ul>\n<li><strong>Fixed mortgage:<\/strong> Its main advantage is that we will <strong>know what quota is going to reach us each month<\/strong> until maturity. A fixed mortgage maintains a fixed interest rate for the years it will be in effect. So, if you are at 3% (as an example), we know that each year we are going to pay 3% of the outstanding face value (\u201cwhat remains to be paid\u201d). In other words, if at 4 years we have 90,000 euros outstanding, that fifth year we would pay 2,700 euros of interest (the 3% of the 90,000 euros that are pending). As it is a fixed rate mortgage, the bank will generally apply a higher interest than a variable rate mortgage.<\/li>\n<li><strong>Variable mortgage:<\/strong> Its main advantage is that at the time of signing it, the interest that will be charged on the mortgage will be less than that of a fixed mortgage. However, a variable mortgage as the name suggests<strong> does not maintain a fixed interest<\/strong>Instead, it is related to a benchmark index, in the case of Spain the Euribor. That means that if the Euribor does not move, or goes down, our mortgage will stay or go down. If, on the other hand, it rises, the % of interest that will be applied to us will increase when the interest on the mortgage loan is renewed. As an example, we have spent the last year paying 0&#039;80% of interest on our loan and we have 90,000 euros left. If it is maintained, next year we will pay 720 euros (0.8% on the 90,000 euros). If a 0.20% falls, we would stay with 0.6% (0&#039;80-0&#039;20 = 0&#039;60) and we would pay 540 euros of interest next year (0.6% on the 90,000 euros). But, and this is what discourages people, if an 1% suddenly went up, next year we would pay 1,620 euros (and it could continue to go up year after year).<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Una-hipoteca-fija-o-variable-segun-el-momento\"><\/span><span id=\"Una_hipoteca_fija_o_variable_segun_el_momento\">A fixed or variable mortgage depending on the moment<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><picture class=\"alignnone size-full wp-image-22707\"><source type=\"image\/webp\" data-lazy-srcset=\"https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2020\/10\/hipoteca-fija-o-variable.png.webp 1200w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2020\/10\/hipoteca-fija-o-variable-300x162.png.webp 300w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2020\/10\/hipoteca-fija-o-variable-1024x553.png.webp 1024w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2020\/10\/hipoteca-fija-o-variable-768x415.png.webp 768w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2020\/10\/hipoteca-fija-o-variable-400x216.png.webp 400w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2020\/10\/hipoteca-fija-o-variable-500x270.png.webp 500w\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns='http:\/\/www.w3.org\/2000\/svg'%20viewBox='0%200%201200%20648'%3E%3C\/svg%3E\" data-lazy-sizes=\"(max-width: 1200px) 100vw, 1200px\"><\/source><br \/>\n<img alt='fixed-or-variable-mortgage-9697650' width='1200' height='648' srcset='\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/hipoteca-fija-o-variable-9697650.png 1200w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/hipoteca-fija-o-variable-9697650-300x162.png 300w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/hipoteca-fija-o-variable-9697650-1024x553.png 1024w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/hipoteca-fija-o-variable-9697650-768x415.png 768w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/hipoteca-fija-o-variable-9697650-16x9.png 16w' data-lazy-sizes='(max-width: 1200px) 100vw, 1200px' src='https:\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/hipoteca-fija-o-variable-9697650.png'>\n<\/picture><\/p>\n<p><noscript><picture class=\"alignnone size-full wp-image-22707\"><source type=\"image\/webp\" srcset=\"https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2020\/10\/hipoteca-fija-o-variable.png.webp 1200w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2020\/10\/hipoteca-fija-o-variable-300x162.png.webp 300w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2020\/10\/hipoteca-fija-o-variable-1024x553.png.webp 1024w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2020\/10\/hipoteca-fija-o-variable-768x415.png.webp 768w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2020\/10\/hipoteca-fija-o-variable-400x216.png.webp 400w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2020\/10\/hipoteca-fija-o-variable-500x270.png.webp 500w\" sizes=\"(max-width: 1200px) 100vw, 1200px\"><\/source><br \/>\n<img alt='fixed-or-variable-mortgage-9697650' src='https:\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/hipoteca-fija-o-variable-9697650.png' width='1200' height='648' srcset='\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/hipoteca-fija-o-variable-9697650.png 1200w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/hipoteca-fija-o-variable-9697650-300x162.png 300w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/hipoteca-fija-o-variable-9697650-1024x553.png 1024w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/hipoteca-fija-o-variable-9697650-768x415.png 768w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/hipoteca-fija-o-variable-9697650-16x9.png 16w' sizes='(max-width: 1200px) 100vw, 1200px'>\n<\/picture>\n<\/noscript><\/p>\n<p>This graph corresponds to the average interest rate at which mortgages have been subscribed in recent years. Fixed mortgages in blue and variable mortgages in yellow. The data is provided by the INE, and a very good website from which to extract this data at a stroke thanks to its graphics is <a rel=\"nofollow\" href=\"https:\/\/www.epdata.es\/datos\/hipotecas-nacional-cantidad-importe-ejecuciones-hipotecarias\/146\/espana\/106\">epdata.es<\/a> which I recommend for the large amount of information it provides.<\/p>\n<p>The fall in the Euribor has accompanied the fall in interest on mortgages, as we can see in the graph. The fact that interest rates reached levels below the 0%, has pushed many people to prioritize the security of the fixed mortgage over the variable one. In fact, <strong>In 2020, more mortgages were signed at a fixed rate than at a variable rate<\/strong>. It even made it easier for many people to change their mortgage from variable to fixed. The main reason, to protect yourself from possible interest rate hikes. Increases that have not arrived either, as a mechanism to improve consumption and make credit flow is to keep rates low.<\/p>\n<picture class=\"post-relacionado-image\"><source type=\"image\/webp\" data-lazy-srcset=\"https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2020\/10\/bce-euribor.jpg.webp\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns='http:\/\/www.w3.org\/2000\/svg'%20viewBox='0%200%20100%200'%3E%3C\/svg%3E\"><\/source><br \/>\n<img alt='ecb-euribor-5201882' width=\"100\" src='https:\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/bce-euribor-5201882.jpg'>\n<\/picture>\n<noscript><picture class=\"post-relacionado-image\"><source type=\"image\/webp\" srcset=\"https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2020\/10\/bce-euribor.jpg.webp\"><\/source><br \/>\n<img alt='ecb-euribor-5201882' src='https:\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/bce-euribor-5201882.jpg' width=\"100\">\n<\/picture>\n<\/noscript><\/p>\n<div>\n<p>Related post:<\/p>\n<p>Why is the Euribor negative?<\/p>\n<\/div>\n<h3><span class=\"ez-toc-section\" id=\"Segun-politicas-monetarias-sobre-tipos-de-interes\"><\/span><span id=\"Segun_las_politicas_monetarias_en_los_tipos_de_interes\">According to monetary policies on interest rates<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>It is true that the pandemic has turned many economic forecasts upside down, but if we focus on the past and the main mechanisms to improve the economy through the ECB, interest rates should not have strong rises, at least in the short and medium term . This means that it would be more interesting to pay a variable interest mortgage, especially if it is for a few years. However, the longer it is, the more justified it would be to adopt a fixed rate to protect against possible increases in interest rates.<\/p>\n<p>Something that we must establish is our position and the risk that we can take (financially and emotionally), since<strong> a variation of the 1% carries hundreds of euros in all the years of a mortgage.<\/strong> At the same time, it should be remembered that at the beginning is when most of the principal is paid. As the years go by and it is amortized, that interest decreases in proportion to the capital contributed in each letter.<\/p>\n<p><picture class=\"alignnone size-full wp-image-22711\"><source type=\"image\/webp\" data-lazy-srcset=\"https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2020\/10\/hipoteca-variable.jpg.webp 1200w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2020\/10\/hipoteca-variable-300x225.jpg.webp 300w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2020\/10\/hipoteca-variable-1024x769.jpg.webp 1024w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2020\/10\/hipoteca-variable-768x577.jpg.webp 768w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2020\/10\/hipoteca-variable-400x300.jpg.webp 400w\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns='http:\/\/www.w3.org\/2000\/svg'%20viewBox='0%200%201200%20901'%3E%3C\/svg%3E\" data-lazy-sizes=\"(max-width: 1200px) 100vw, 1200px\"><\/source><br \/>\n<img alt='variable-mortgage-4832933' width='1200' height='901' srcset='\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/hipoteca-variable-4832933.jpg 1200w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/hipoteca-variable-4832933-300x225.jpg 300w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/hipoteca-variable-4832933-1024x769.jpg 1024w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/hipoteca-variable-4832933-768x577.jpg 768w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/hipoteca-variable-4832933-16x12.jpg 16w' data-lazy-sizes='(max-width: 1200px) 100vw, 1200px' src='https:\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/hipoteca-variable-4832933.jpg'>\n<\/picture><\/p>\n<p><noscript><picture class=\"alignnone size-full wp-image-22711\"><source type=\"image\/webp\" srcset=\"https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2020\/10\/hipoteca-variable.jpg.webp 1200w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2020\/10\/hipoteca-variable-300x225.jpg.webp 300w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2020\/10\/hipoteca-variable-1024x769.jpg.webp 1024w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2020\/10\/hipoteca-variable-768x577.jpg.webp 768w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2020\/10\/hipoteca-variable-400x300.jpg.webp 400w\" sizes=\"(max-width: 1200px) 100vw, 1200px\"><\/source><br \/>\n<img alt='variable-mortgage-4832933' src='https:\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/hipoteca-variable-4832933.jpg' width='1200' height='901' srcset='\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/hipoteca-variable-4832933.jpg 1200w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/hipoteca-variable-4832933-300x225.jpg 300w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/hipoteca-variable-4832933-1024x769.jpg 1024w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/hipoteca-variable-4832933-768x577.jpg 768w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/hipoteca-variable-4832933-16x12.jpg 16w' sizes='(max-width: 1200px) 100vw, 1200px'>\n<\/picture>\n<\/noscript><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Segun-el-capital-disponible-para-el-comprador\"><\/span><span id=\"Segun_el_capital_del_que_dispone_el_comprador\">According to the capital available to the buyer<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>We imagine that we have a buyer who has more capital than he contributes. In the event of further increases, the capital could always take a step forward. Meanwhile, and in the event that interest continues to fall, or increase, but only slightly, you could choose not to use that capital. Your preferences could even be investment preferences, which would be more interesting as long as it provided you with a higher return on invested capital than the interest you pay on your mortgage.<\/p>\n<p><strong>The provision of liquidity can provide insurance against rises<\/strong> at the same time. If you have money that is not used and the interest rate of a variable mortgage goes up a lot, it would not be a bad idea to amortize part of the principal.<\/p>\n<p>Another scenario would be that of a person who wants to be in control of their expenses, and that is less than the security of knowing in advance what they are going to pay. In this dynamic, a fixed mortgage would be the ideal option.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Predisposicion-emocional-al-riesgo\"><\/span><span id=\"Predisposicion_emocional_al_riesgo\">Emotional predisposition to risk<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If we are people <strong>risk aversion, a fixed rate mortgage would be the best option<\/strong>. Fundamentally if we see news on television that interest rates are going to rise, and they are going to affect mortgages referenced to the Euribor. On the other hand, if such news does not make us nervous, and we consider that future cuts in the Euribor may take place and thus benefit us in our mortgages, the variable would be a better option. At the same time of being a percentage lower than the average at the time of signing.<\/p>\n<p>\n\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Elegir entre una hipoteca fija o variable puede ser complicado si no estamos seguros de d\u00f3nde estamos. Es el problema de muchas personas al momento de firmar una hipoteca, decidiendo&#8230;<\/p>","protected":false},"author":1,"featured_media":128145,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1386],"tags":[],"class_list":["post-128144","post","type-post","status-publish","format-standard","has-post-thumbnail","category-negocios"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.0 (Yoast SEO v28.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>\u00bfHipoteca fija o variable? - R Marketing Digital<\/title>\n<meta name=\"description\" content=\"Elegir entre una hipoteca fija o variable puede ser complicado si no estamos seguros de d\u00f3nde estamos. 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