{"id":128882,"date":"2022-09-15T05:48:25","date_gmt":"2022-09-15T03:48:25","guid":{"rendered":"https:\/\/rmarketingdigital.com\/negocios\/hipotecas-de-tasa-fija-o-variable\/"},"modified":"2021-04-12T02:15:47","modified_gmt":"2021-04-12T00:15:47","slug":"hipotecas-de-tasa-fija-o-variable","status":"publish","type":"post","link":"https:\/\/rmarketingdigital.com\/fr\/affaires\/hipotecas-de-tasa-fija-o-variable\/","title":{"rendered":"Hypoth\u00e8ques \u00e0 taux fixe ou variable?"},"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\">Table des mati\u00e8res<\/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=\"Basculer la table des mati\u00e8res\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Basculer<\/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\/fr\/affaires\/hipotecas-de-tasa-fija-o-variable\/#Hipotecas-%C2%BFlas-mas-contratadas\" >Cr\u00e9dits immobiliers : les plus contract\u00e9s ?<\/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\/fr\/affaires\/hipotecas-de-tasa-fija-o-variable\/#%C2%BFCon-que-tipo-pagas-menos\" >Avec quel type payez-vous moins?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/rmarketingdigital.com\/fr\/affaires\/hipotecas-de-tasa-fija-o-variable\/#Valoracion-a-tipo-fijo\" >\u00c9valuation \u00e0 taux fixe<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/rmarketingdigital.com\/fr\/affaires\/hipotecas-de-tasa-fija-o-variable\/#Siempre-con-la-misma-tarifa-mensual\" >Toujours avec le m\u00eame tarif mensuel<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/rmarketingdigital.com\/fr\/affaires\/hipotecas-de-tasa-fija-o-variable\/#Escenario-en-tipos-de-interes\" >Sc\u00e9nario de taux d&#039;int\u00e9r\u00eat<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/rmarketingdigital.com\/fr\/affaires\/hipotecas-de-tasa-fija-o-variable\/#Condiciones-de-estancia\" >Conditions de s\u00e9jour<\/a><\/li><\/ul><\/nav><\/div>\n<div>\n<p><picture class=\"aligncenter size-full wp-image-17144\"><source type=\"image\/webp\" data-lazy-srcset=\"https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/03\/signature-2003808_1280.jpg.webp 1280w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/03\/signature-2003808_1280-300x200.jpg.webp 300w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/03\/signature-2003808_1280-1024x682.jpg.webp 1024w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/03\/signature-2003808_1280-830x553.jpg.webp 830w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/03\/signature-2003808_1280-400x267.jpg.webp 400w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/03\/signature-2003808_1280-450x300.jpg.webp 450w\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns='http:\/\/www.w3.org\/2000\/svg'%20viewBox='0%200%201280%20853'%3E%3C\/svg%3E\" data-lazy-sizes=\"(max-width: 1280px) 100vw, 1280px\"><\/source><br \/>\n<img alt='signature-2003808_1280-6363266' width='1280' height='853' srcset='\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/signature-2003808_1280-6363266.jpg 1280w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/signature-2003808_1280-6363266-300x200.jpg 300w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/signature-2003808_1280-6363266-1024x682.jpg 1024w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/signature-2003808_1280-6363266-768x512.jpg 768w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/signature-2003808_1280-6363266-16x12.jpg 16w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/signature-2003808_1280-6363266-900x600.jpg 900w' data-lazy-sizes='(max-width: 1280px) 100vw, 1280px' src='https:\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/signature-2003808_1280-6363266.jpg'>\n<\/picture><\/p>\n<p><noscript><picture class=\"aligncenter size-full wp-image-17144\"><source type=\"image\/webp\" srcset=\"https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/03\/signature-2003808_1280.jpg.webp 1280w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/03\/signature-2003808_1280-300x200.jpg.webp 300w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/03\/signature-2003808_1280-1024x682.jpg.webp 1024w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/03\/signature-2003808_1280-830x553.jpg.webp 830w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/03\/signature-2003808_1280-400x267.jpg.webp 400w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/03\/signature-2003808_1280-450x300.jpg.webp 450w\" sizes=\"(max-width: 1280px) 100vw, 1280px\"><\/source><br \/>\n<img alt='signature-2003808_1280-6363266' src='https:\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/signature-2003808_1280-6363266.jpg' width='1280' height='853' srcset='\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/signature-2003808_1280-6363266.jpg 1280w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/signature-2003808_1280-6363266-300x200.jpg 300w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/signature-2003808_1280-6363266-1024x682.jpg 1024w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/signature-2003808_1280-6363266-768x512.jpg 768w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/signature-2003808_1280-6363266-16x12.jpg 16w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/signature-2003808_1280-6363266-900x600.jpg 900w' sizes='(max-width: 1280px) 100vw, 1280px'>\n<\/picture>\n<\/noscript>Une des incertitudes lors de la signature d&#039;un pr\u00eat immobilier est de savoir s&#039;il faut opter pour la dur\u00e9e fixe ou, au contraire, pour la variable. C&#039;est une d\u00e9cision en laquelle vous pouvez avoir confiance <strong>payer plus ou moins d&#039;argent<\/strong> pendant une p\u00e9riode de temps excessivement longue en raison de la dur\u00e9e de vie utile de cet instrument financier. Cette d\u00e9cision doit \u00eatre prise en fonction d&#039;une s\u00e9rie de variables, m\u00eame si l&#039;un des facteurs les plus d\u00e9terminants sera celui qui a trait \u00e0 l&#039;\u00e9volution des taux d&#039;int\u00e9r\u00eat sur les march\u00e9s financiers. Au point que ces donn\u00e9es vous donneront plus d&#039;un indice pour s\u00e9lectionner tel ou tel mod\u00e8le de financement.<\/p>\n<p>Quoi qu&#039;il en soit, le prix de l&#039;argent sera essentiel pour que vous puissiez lier votre pr\u00eat hypoth\u00e9caire \u00e0 l&#039;un ou l&#039;autre type d&#039;int\u00e9r\u00eat. Actuellement, la d\u00e9cision de la Banque centrale europ\u00e9enne (BCE) de <strong>baisser le prix de l&#039;argent<\/strong> Il a rendu l&#039;achat de pr\u00eats hypoth\u00e9caires \u00e0 dur\u00e9e variable beaucoup plus rentable que jamais. Car en fonction de cette strat\u00e9gie mon\u00e9taire, les \u00e9conomies que vous r\u00e9aliserez sur les mensualit\u00e9s seront plus importantes. \u00c0 cet \u00e9gard, il ne faut pas oublier que les taux d&#039;int\u00e9r\u00eat dans la zone euro sont \u00e0 des niveaux minimaux. Un facteur qui vous aide \u00e0 choisir cette option hypoth\u00e9caire.<span id=\"more-17143\"><\/span><\/p>\n<p>Le prix de l&#039;argent dans les pays de la zone euro <strong>est au 0%<\/strong>. En pratique, cela signifie que l&#039;argent ne vaut rien et donc il est toujours bien plus satisfaisant pour vos int\u00e9r\u00eats de souscrire \u00e0 un pr\u00eat immobilier \u00e0 taux variable qu&#039;\u00e0 un fixe. Malgr\u00e9 tout, il s&#039;agit d&#039;un sc\u00e9nario qui ne durera pas \u00e9ternellement et \u00e0 tout moment, il peut se retourner et vous attraper dans une \u00e9tape modifi\u00e9e. Avec quoi, il peut g\u00e9n\u00e9rer une s\u00e9rie de risques \u00e0 moyen et long terme auxquels vous devez faire attention lors de la formalisation de cet instrument financier. Parce qu&#039;il y a beaucoup d&#039;argent en jeu dans ces types de m\u00e9tiers de grande valeur.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Hipotecas-%C2%BFlas-mas-contratadas\"><\/span><span id=\"Hipotecas_las_mas_contratadas\">Cr\u00e9dits immobiliers : les plus contract\u00e9s ?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><picture class=\"aligncenter size-full wp-image-17147\"><source type=\"image\/webp\" data-lazy-srcset=\"https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/03\/house-1407562_1280.jpg.webp 1280w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/03\/house-1407562_1280-300x200.jpg.webp 300w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/03\/house-1407562_1280-1024x682.jpg.webp 1024w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/03\/house-1407562_1280-830x553.jpg.webp 830w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/03\/house-1407562_1280-400x267.jpg.webp 400w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/03\/house-1407562_1280-450x300.jpg.webp 450w\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns='http:\/\/www.w3.org\/2000\/svg'%20viewBox='0%200%201280%20853'%3E%3C\/svg%3E\" data-lazy-sizes=\"(max-width: 1280px) 100vw, 1280px\"><\/source><br \/>\n<img alt='maison-1407562_1280-2706735' width='1280' height='853' srcset='\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/house-1407562_1280-2706735.jpg 1280w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/house-1407562_1280-2706735-300x200.jpg 300w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/house-1407562_1280-2706735-1024x682.jpg 1024w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/house-1407562_1280-2706735-768x512.jpg 768w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/house-1407562_1280-2706735-16x12.jpg 16w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/house-1407562_1280-2706735-900x600.jpg 900w' data-lazy-sizes='(max-width: 1280px) 100vw, 1280px' src='https:\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/house-1407562_1280-2706735.jpg'>\n<\/picture><\/p>\n<p><noscript><picture class=\"aligncenter size-full wp-image-17147\"><source type=\"image\/webp\" srcset=\"https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/03\/house-1407562_1280.jpg.webp 1280w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/03\/house-1407562_1280-300x200.jpg.webp 300w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/03\/house-1407562_1280-1024x682.jpg.webp 1024w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/03\/house-1407562_1280-830x553.jpg.webp 830w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/03\/house-1407562_1280-400x267.jpg.webp 400w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/03\/house-1407562_1280-450x300.jpg.webp 450w\" sizes=\"(max-width: 1280px) 100vw, 1280px\"><\/source><br \/>\n<img alt='maison-1407562_1280-2706735' src='https:\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/house-1407562_1280-2706735.jpg' width='1280' height='853' srcset='\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/house-1407562_1280-2706735.jpg 1280w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/house-1407562_1280-2706735-300x200.jpg 300w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/house-1407562_1280-2706735-1024x682.jpg 1024w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/house-1407562_1280-2706735-768x512.jpg 768w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/house-1407562_1280-2706735-16x12.jpg 16w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/house-1407562_1280-2706735-900x600.jpg 900w' sizes='(max-width: 1280px) 100vw, 1280px'>\n<\/picture>\n<\/noscript>Selon les derni\u00e8res donn\u00e9es fournies par l&#039;Institut national de la statistique (INE), il est clair que les variables sont majoritaires parmi les utilisateurs espagnols. Lors de la v\u00e9rification dans son rapport que dans les hypoth\u00e8ques constitu\u00e9es sur les logements, le taux d&#039;int\u00e9r\u00eat moyen est de 2.73% (13.5% de moins qu&#039;en d\u00e9cembre 2016) et la dur\u00e9e moyenne de 23 ans. Alors que 62,5% de pr\u00eats immobiliers sont \u00e0 taux variable et <strong>37.5% \u00e0 taux fixe<\/strong>. Une autre information pertinente de cette \u00e9tude est que les pr\u00eats hypoth\u00e9caires \u00e0 taux fixe ont connu une augmentation de taux annuelle de 4,9%.<\/p>\n<p>El reporte mensual del INE adem\u00e1s destaca que el tipo de inter\u00e9s medio al inicio es del 2,54% para las hipotecas sobre viviendas a tipo variable (con un descenso del 18,6%) y del 3,13% para el tipo fijo (un 3,5% m\u00e1s bas). Concernant le nombre total de cr\u00e9dits immobiliers avec changement de conditions enregistr\u00e9s dans les registres immobiliers, il est de 5.519, 24.4% de moins qu&#039;il y a un an. Concernant le logement, le nombre d&#039;hypoth\u00e8ques qui <strong>modifier ses conditions<\/strong> descend 17.6%.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFCon-que-tipo-pagas-menos\"><\/span><span id=\"Con_que_tipo_se_paga_menos\">Avec quel type payez-vous moins?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>L&#039;une des questions qui se posent est avec quel taux d&#039;int\u00e9r\u00eat en r\u00e9sum\u00e9 ils paieront moins d&#039;argent pour la formalisation de leur pr\u00eat hypoth\u00e9caire. Eh bien, tout d\u00e9pendra du sc\u00e9nario dans lequel les taux d&#039;int\u00e9r\u00eat se produisent \u00e0 un moment donn\u00e9. Pour cela, vous \u00eates en mesure d&#039;\u00e9conomiser quelques euros gr\u00e2ce aux mensualit\u00e9s. Dans le courant, le plus avantageux est de pencher vers le taux variable. Entre autres raisons, parce que vous pouvez trouver dans l&#039;offre hypoth\u00e9caire actuelle <strong>s&#039;\u00e9tend<\/strong> m\u00eame en dessous de 1%.<\/p>\n<p>Cela a beaucoup \u00e0 voir avec l&#039;\u00e9volution de <strong>R\u00e9f\u00e9rence europ\u00e9enne<\/strong>, l&#039;Euribor, auquel sont li\u00e9s plus de 90% de cr\u00e9dits immobiliers \u00e0 taux variable dans notre pays, selon les donn\u00e9es fournies par l&#039;Institut national de la statistique. Cela est d\u00fb au fait que cette source de r\u00e9f\u00e9rence est \u00e0 des niveaux historiquement bas. Plus pr\u00e9cis\u00e9ment, apr\u00e8s de nombreuses ann\u00e9es, il est en territoire n\u00e9gatif, notamment \u00e0 -0,161. Et cela contribue \u00e0 rendre votre d\u00e9caissement pour ce produit moins qu&#039;avant et en tout cas plus rentable que si vous optiez pour le taux fixe de votre cr\u00e9dit immobilier.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Valoracion-a-tipo-fijo\"><\/span><span id=\"Valoracion_de_los_tipos_fijos\">\u00c9valuation \u00e0 taux fixe<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Quoi qu&#039;il en soit, les utilisateurs ont d\u00e9cel\u00e9 un changement ces derniers mois. En faveur des pr\u00eats hypoth\u00e9caires \u00e0 taux fixe plut\u00f4t qu&#039;\u00e0 taux variable. Cette variation dans l&#039;aptitude des clients est principalement due \u00e0 un changement de sc\u00e9nario dans le <strong>politiques mon\u00e9taires<\/strong>. Dans l&#039;Union europ\u00e9enne, les taux d&#039;int\u00e9r\u00eat devraient commencer \u00e0 augmenter plus tard cette ann\u00e9e, bien que progressivement. Quelque chose qui a d\u00e9j\u00e0 commenc\u00e9 \u00e0 se d\u00e9velopper aux \u00c9tats-Unis, o\u00f9 l&#039;int\u00e9r\u00eat mon\u00e9taire a atteint des niveaux de 1 501 TP1T et 1 751 TP1T. Compte tenu de ce nouveau sc\u00e9nario, les pr\u00eats hypoth\u00e9caires \u00e0 taux fixe b\u00e9n\u00e9ficient \u00e0 nouveau de la pr\u00e9f\u00e9rence des demandeurs.<\/p>\n<p>Appliquer cette strat\u00e9gie peut \u00eatre tr\u00e8s profitable pour vos int\u00e9r\u00eats \u00e0 moyen et long terme. La raison en est que vous devrez faire un <strong>plus grand effort \u00e9conomique<\/strong>, mais au fil des ans, il s&#039;\u00e9quilibrera en raison d&#039;un diff\u00e9rentiel plus faible par rapport aux hypoth\u00e8ques \u00e0 dur\u00e9e variable. A ce titre, le taux d&#039;int\u00e9r\u00eat moyen au d\u00e9but de l&#039;op\u00e9ration est de 2 54% pour les cr\u00e9dits immobiliers \u00e0 taux variable et de 3 10% pour les cr\u00e9dits immobiliers \u00e0 taux fixe.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Siempre-con-la-misma-tarifa-mensual\"><\/span><span id=\"Siempre_con_la_misma_cuota_mensual\">Toujours avec le m\u00eame tarif mensuel<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><picture class=\"aligncenter size-full wp-image-17146\"><source type=\"image\/webp\" data-lazy-srcset=\"https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/03\/money-256314_1280.jpg.webp 1280w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/03\/money-256314_1280-300x200.jpg.webp 300w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/03\/money-256314_1280-1024x682.jpg.webp 1024w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/03\/money-256314_1280-830x553.jpg.webp 830w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/03\/money-256314_1280-400x267.jpg.webp 400w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/03\/money-256314_1280-450x300.jpg.webp 450w\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns='http:\/\/www.w3.org\/2000\/svg'%20viewBox='0%200%201280%20853'%3E%3C\/svg%3E\" data-lazy-sizes=\"(max-width: 1280px) 100vw, 1280px\"><\/source><br \/>\n<img alt='argent-256314_1280-7519778' width='1280' height='853' srcset='\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/money-256314_1280-7519778.jpg 1280w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/money-256314_1280-7519778-300x200.jpg 300w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/money-256314_1280-7519778-1024x682.jpg 1024w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/money-256314_1280-7519778-768x512.jpg 768w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/money-256314_1280-7519778-16x12.jpg 16w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/money-256314_1280-7519778-900x600.jpg 900w' data-lazy-sizes='(max-width: 1280px) 100vw, 1280px' src='https:\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/money-256314_1280-7519778.jpg'>\n<\/picture><\/p>\n<p><noscript><picture class=\"aligncenter size-full wp-image-17146\"><source type=\"image\/webp\" srcset=\"https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/03\/money-256314_1280.jpg.webp 1280w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/03\/money-256314_1280-300x200.jpg.webp 300w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/03\/money-256314_1280-1024x682.jpg.webp 1024w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/03\/money-256314_1280-830x553.jpg.webp 830w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/03\/money-256314_1280-400x267.jpg.webp 400w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/03\/money-256314_1280-450x300.jpg.webp 450w\" sizes=\"(max-width: 1280px) 100vw, 1280px\"><\/source><br \/>\n<img alt='argent-256314_1280-7519778' src='https:\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/money-256314_1280-7519778.jpg' width='1280' height='853' srcset='\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/money-256314_1280-7519778.jpg 1280w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/money-256314_1280-7519778-300x200.jpg 300w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/money-256314_1280-7519778-1024x682.jpg 1024w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/money-256314_1280-7519778-768x512.jpg 768w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/money-256314_1280-7519778-16x12.jpg 16w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/money-256314_1280-7519778-900x600.jpg 900w' sizes='(max-width: 1280px) 100vw, 1280px'>\n<\/picture>\n<\/noscript>Mais vous aurez aussi l&#039;avantage de toujours <strong>vous paierez les m\u00eames frais mensuels<\/strong>. Quoi qu&#039;il arrive sur les march\u00e9s financiers. Pour que de cette dynamique vous soyez dans de bien meilleures dispositions pour planifier votre budget personnel ou familial. Parce que vous n&#039;aurez aucune sorte de surprises pendant la dur\u00e9e du contrat. Contrairement aux variables qui d\u00e9pendent des fluctuations des march\u00e9s financiers. \u00c0 cet \u00e9gard, si votre intention est d&#039;avoir une plus grande tranquillit\u00e9 d&#039;esprit \u00e0 partir de maintenant, il est pr\u00e9f\u00e9rable de formaliser l&#039;un des pr\u00eats hypoth\u00e9caires \u00e0 taux variable. M\u00eame si au d\u00e9but vous payez plus d&#039;argent, apr\u00e8s plusieurs ann\u00e9es, le montant de cet instrument financier sera r\u00e9duit.<\/p>\n<p>De ce sc\u00e9nario, vous devez \u00e9galement savoir qu&#039;\u00e0 taux fixe le <strong>les commissions sont plus exigeantes<\/strong>. Car, en effet, ils appliquent un int\u00e9r\u00eat qui oscille entre 1% et 1,5% et, d&#039;autre part, ils int\u00e8grent g\u00e9n\u00e9ralement dans certains cas une commission de risque sur le taux d&#039;int\u00e9r\u00eat. C&#039;est un risque que vous devez prendre pour opter pour cette alternative au financement. En \u00e9change de ne pas avoir de variations dans les d\u00e9penses hypoth\u00e9caires. Ils sont les lumi\u00e8res et les ombres des deux mod\u00e8les de financement pour l&#039;achat d&#039;une maison.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Escenario-en-tipos-de-interes\"><\/span><span id=\"Escenario_en_los_tipos_de_interes\">Sc\u00e9nario de taux d&#039;int\u00e9r\u00eat<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Quoi qu&#039;il en soit, si votre intention est de signer un pr\u00eat hypoth\u00e9caire aujourd&#039;hui, peut-\u00eatre que la meilleure d\u00e9cision est le taux variable car c&#039;est l&#039;option la plus rentable. D\u00fb au fait que <strong>ses diff\u00e9rentiels sont plus abordables<\/strong> pour vos int\u00e9r\u00eats personnels. Mais si vous regardez plut\u00f4t \u00e0 moyen et long terme car vous n&#039;aurez pas de nouvelles pendant toute la dur\u00e9e de vie du cr\u00e9dit immobilier. Il ne vous donnera pas la m\u00eame chose, ce qui se passe sur les march\u00e9s financiers, m\u00eame si un sc\u00e9nario de hausse des taux d&#039;int\u00e9r\u00eat est atteint. En d&#039;autres termes, au d\u00e9but, vous paierez plus d&#039;argent, mais plus tard, vos comptes personnels s&#039;\u00e9quilibreront ou s&#039;am\u00e9lioreront.<\/p>\n<p>Actuellement, les hypoth\u00e8ques \u00e0 taux fixe ont un taux d&#039;int\u00e9r\u00eat <strong>sup\u00e9rieur d&#039;un ou deux points de pourcentage<\/strong> Concernant le taux variable. Il s&#039;agit donc d&#039;une d\u00e9cision tr\u00e8s personnelle qui peut changer \u00e0 tout moment et en fonction des politiques mon\u00e9taires de la banque de r\u00e9gulation europ\u00e9enne. D&#039;autre part, il existe \u00e9galement l&#039;alternative des pr\u00eats hypoth\u00e9caires mixtes, qui est un m\u00e9lange tr\u00e8s particulier des deux mod\u00e8les. Avec les avantages et les inconv\u00e9nients de ces formats de financement.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Condiciones-de-estancia\"><\/span><span id=\"Plazos_de_permanencia\">Conditions de s\u00e9jour<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><picture class=\"aligncenter size-full wp-image-17145\"><source type=\"image\/webp\" data-lazy-srcset=\"https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/03\/writing-1149962_1280.jpg.webp 1280w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/03\/writing-1149962_1280-300x200.jpg.webp 300w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/03\/writing-1149962_1280-1024x683.jpg.webp 1024w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/03\/writing-1149962_1280-830x554.jpg.webp 830w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/03\/writing-1149962_1280-400x267.jpg.webp 400w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/03\/writing-1149962_1280-450x300.jpg.webp 450w\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns='http:\/\/www.w3.org\/2000\/svg'%20viewBox='0%200%201280%20854'%3E%3C\/svg%3E\" data-lazy-sizes=\"(max-width: 1280px) 100vw, 1280px\"><\/source><br \/>\n<img alt='\u00e9criture-1149962_1280-1953770' width='1280' height='854' srcset='\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/writing-1149962_1280-1953770.jpg 1280w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/writing-1149962_1280-1953770-300x200.jpg 300w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/writing-1149962_1280-1953770-1024x683.jpg 1024w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/writing-1149962_1280-1953770-768x512.jpg 768w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/writing-1149962_1280-1953770-16x12.jpg 16w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/writing-1149962_1280-1953770-900x600.jpg 900w' data-lazy-sizes='(max-width: 1280px) 100vw, 1280px' src='https:\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/writing-1149962_1280-1953770.jpg'>\n<\/picture><\/p>\n<p><noscript><picture class=\"aligncenter size-full wp-image-17145\"><source type=\"image\/webp\" srcset=\"https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/03\/writing-1149962_1280.jpg.webp 1280w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/03\/writing-1149962_1280-300x200.jpg.webp 300w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/03\/writing-1149962_1280-1024x683.jpg.webp 1024w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/03\/writing-1149962_1280-830x554.jpg.webp 830w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/03\/writing-1149962_1280-400x267.jpg.webp 400w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/03\/writing-1149962_1280-450x300.jpg.webp 450w\" sizes=\"(max-width: 1280px) 100vw, 1280px\"><\/source><br \/>\n<img alt='\u00e9criture-1149962_1280-1953770' src='https:\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/writing-1149962_1280-1953770.jpg' width='1280' height='854' srcset='\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/writing-1149962_1280-1953770.jpg 1280w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/writing-1149962_1280-1953770-300x200.jpg 300w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/writing-1149962_1280-1953770-1024x683.jpg 1024w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/writing-1149962_1280-1953770-768x512.jpg 768w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/writing-1149962_1280-1953770-16x12.jpg 16w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/writing-1149962_1280-1953770-900x600.jpg 900w' sizes='(max-width: 1280px) 100vw, 1280px'>\n<\/picture>\n<\/noscript>D\u00e9sormais, il ne vous reste plus qu&#039;\u00e0 prendre la calculatrice et v\u00e9rifier quelle est la meilleure recette pour verser moins d&#039;euros dans vos mensualit\u00e9s pendant la dur\u00e9e de ces instruments financiers. A cet \u00e9gard, la dur\u00e9e maximale de remboursement a \u00e9t\u00e9 ramen\u00e9e \u00e0 <strong>35 ou 30 ans<\/strong>. Pr\u00e8s de 50 ans avant la crise \u00e9conomique. Sans surprise, c&#039;est un autre des facteurs auxquels vous devez faire attention pour comprendre s&#039;il vous convient de contracter un pr\u00eat immobilier \u00e0 taux fixe ou, au contraire, \u00e0 taux variable.<\/p>\n<p>D&#039;autre part, un autre \u00e9l\u00e9ment d&#039;analyse est les commissions, qui dans le sc\u00e9nario actuel sont minimis\u00e9es. Il est de plus en plus courant qu&#039;ils soient exon\u00e9r\u00e9s de ces frais du fait d&#039;un sc\u00e9nario de taux d&#039;int\u00e9r\u00eat tr\u00e8s bas. Dans tous les cas, ils repr\u00e9sentent jusqu&#039;\u00e0 2% du montant r\u00e9clam\u00e9 \u00e0 l&#039;op\u00e9ration. Et qu&#039;en somme ils peuvent d\u00e9sormais augmenter le co\u00fbt final de sa formalisation. D&#039;autre part, il existe \u00e9galement l&#039;alternative des pr\u00eats hypoth\u00e9caires mixtes, qui est un m\u00e9lange tr\u00e8s particulier des deux mod\u00e8les. Avec les avantages et les inconv\u00e9nients de ces formats de financement.<\/p>\n<p>\n\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Una de las incertidumbres a la hora de firmar una hipoteca es si decantarse por el plazo fijo o por el contrario por el variable. Es una decisi\u00f3n en la&#8230;<\/p>","protected":false},"author":1,"featured_media":128883,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1386],"tags":[],"class_list":["post-128882","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>Hipotecas de tasa fija o variable? - R Marketing Digital<\/title>\n<meta name=\"description\" content=\"Una de las incertidumbres a la hora de firmar una hipoteca es si decantarse por el plazo fijo o por el contrario por el variable. 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