{"id":16031,"date":"2022-11-22T17:32:12","date_gmt":"2022-11-22T16:32:12","guid":{"rendered":"https:\/\/52.31.48.128\/blog\/?p=16031"},"modified":"2025-02-19T11:37:17","modified_gmt":"2025-02-19T10:37:17","slug":"provision-fondos-hipoteca","status":"publish","type":"post","link":"https:\/\/www.aedashomes.com\/blog\/provision-fondos-hipoteca\/","title":{"rendered":"Provisi\u00f3n de fondos de una hipoteca"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">\u00bfQu\u00e9 es una provisi\u00f3n de fondos?<\/h2>\n\n\n\n<p>Saber qu\u00e9 es la provisi\u00f3n de fondos de una hipoteca es un paso previo crucial para conocer de<strong> cu\u00e1nta liquidez deberemos disponer <\/strong>a la hora de afrontar los gastos<strong> <\/strong>derivados del proceso para adquirir un inmueble. Qu\u00e9date hasta el final para saber c\u00f3mo <strong>calcular la provisi\u00f3n de fondos para una hipoteca.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Gastos que incluye la provisi\u00f3n de fondos en una hipoteca<\/h2>\n\n\n\n<p>La compraventa de un inmueble es un proceso laborioso que implica reuniones con la entidad bancaria, papeleo y una sucesi\u00f3n de gastos que conviene tener en cuenta. Para que el banco proceda con los tr\u00e1mites una vez concedida la hipoteca <strong>es necesario dejar cierta cantidad de dinero en cuenta. <\/strong><\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter\"><img loading=\"lazy\" decoding=\"async\" width=\"737\" height=\"421\" src=\"https:\/\/www.aedashomes.com\/blog\/wp-content\/uploads\/2022\/11\/provision-de-fondos-hipoteca.png\" alt=\"\" class=\"wp-image-16033\" srcset=\"https:\/\/www.aedashomes.com\/blog\/wp-content\/uploads\/2022\/11\/provision-de-fondos-hipoteca.png 737w, https:\/\/www.aedashomes.com\/blog\/wp-content\/uploads\/2022\/11\/provision-de-fondos-hipoteca-300x171.png 300w\" sizes=\"auto, (max-width: 737px) 100vw, 737px\" \/><\/figure><\/div>\n\n\n\n<p><strong>Los gastos son:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Tasaci\u00f3n del inmueble.<\/li><li>Notario y gestor\u00eda.<\/li><li>IVA. <\/li><li>Comisi\u00f3n de apertura de la hipoteca.<\/li><li>Impuesto de actividades jur\u00eddicas documentadas (IAJD)<\/li><li>Si la vivienda es de segunda mano, impuesto de transmisiones patrimoniales (ITP).<\/li><li>Inscripci\u00f3n en el Registro de la Propiedad.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Cifras para calcular la provisi\u00f3n de fondos de una hipoteca<\/h2>\n\n\n\n<p>Para obtener un pr\u00e9stamo hipotecario hay que <strong>disponer de media de casi una tercera parte del precio del inmueble. <\/strong>Esto es debido a que el conjunto de gastos de gesti\u00f3n es cubierto aproximadamente con un 10 % al que se le suma el 20 % que ya no financian los bancos. Es decir, de media <strong>como m\u00e1ximo obtendr\u00e1s una hipoteca del 80 % del precio del inmueble<\/strong>. <\/p>\n\n\n\n<p>No obstante, el precio final depender\u00e1 de los agentes implicados: <strong>entidad bancaria, empresa de tasaci\u00f3n, Comunidad Aut\u00f3noma donde se realice, etc<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Dato importante: reforma de 2019 de la Ley Hipotecaria<\/h2>\n\n\n\n<p>En 2019 se modific\u00f3 la Ley Hipotecaria cambiando la distribuci\u00f3n de gastos que afectan a la provisi\u00f3n de fondos en una hipoteca entre el banco y el propietario. <strong>Con la entrada en vigor de la reforma queda como sigue:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Entidad bancaria:<\/strong> notar\u00eda, inscripci\u00f3n en el Registro de la Propiedad, gestor\u00eda, IAJD.<\/li><li><strong>Propietario:<\/strong> tasaci\u00f3n, nota simple.<\/li><\/ul>\n\n\n\n<p>Ahora que ya conoces qu\u00e9 variables pueden ser determinantes a la hora de calcular la provisi\u00f3n de fondos de una hipoteca, <strong>solo te quedar\u00e1 ajustar con el banco,<\/strong> que siempre calcula al alza, la propuesta de liquidaci\u00f3n que ofrece la entidad bancaria si sobra dinero una vez concluido el proceso.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00bfQu\u00e9 es una provisi\u00f3n de fondos? Saber qu\u00e9 es la provisi\u00f3n de fondos de una hipoteca es un paso previo crucial para conocer de cu\u00e1nta liquidez deberemos disponer a la hora de afrontar los gastos derivados del proceso para adquirir un inmueble. Qu\u00e9date hasta el final para saber c\u00f3mo calcular la provisi\u00f3n de fondos para&#8230;<\/p>\n","protected":false},"author":15,"featured_media":16032,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[170],"tags":[441],"class_list":["post-16031","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-inmobiliario-y-finanzas","tag-economia-domestica"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u25b7 Provisi\u00f3n de fondos de una hipoteca - AEDAS Homes Blog<\/title>\n<meta name=\"description\" content=\"\u00bfC\u00f3mo calcular la provisi\u00f3n de fondos para una hipoteca? \u2705 Descubre los gastos que conlleva la adquisici\u00f3n de un pr\u00e9stamo hipotecario.\u2b50\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.aedashomes.com\/blog\/provision-fondos-hipoteca\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u25b7 Provisi\u00f3n de fondos de una hipoteca - AEDAS Homes Blog\" \/>\n<meta property=\"og:description\" content=\"\u00bfC\u00f3mo calcular la provisi\u00f3n de fondos para una hipoteca? 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