{"id":1567,"date":"2016-04-15T10:51:00","date_gmt":"2016-04-15T10:51:00","guid":{"rendered":"https:\/\/amat-inmo-wp.localhost\/2017\/01\/23\/et-pagara-banc-la-teva-hipoteca-amb-euribor-negatiu\/"},"modified":"2023-04-26T07:49:13","modified_gmt":"2023-04-26T07:49:13","slug":"et-pagara-banc-la-teva-hipoteca-amb-euribor-negatiu","status":"publish","type":"post","link":"https:\/\/www.amatimmobiliaris.com\/w\/ca\/2016\/04\/et-pagara-banc-la-teva-hipoteca-amb-euribor-negatiu\/","title":{"rendered":"Et pagar\u00e0 el banc la teva hipoteca amb un Eur\u00edbor negatiu?"},"content":{"rendered":"<p><strong>Des que va comen\u00e7ar l&#8217;any, l&#8217;Eur\u00edbor, el referent de la majoria d&#8217;hipoteques a Espanya, no ha fer una altra cosa que marcar m\u00ednims hist\u00f2rics, fins i tot arribant al terreny negatiu. Per\u00f2, qu\u00e8 significa aix\u00f2 per tots aquells que tinguin una hipoteca de tipus variable o vagin a contractar-ne una?<\/strong><\/p>\n<p>Ara, la q\u00fcesti\u00f3 m\u00e9s recurrent entre les fam\u00edlies pendents de pagar una hipoteca \u00e9s: <strong>El banc em pagar\u00e0 a mi els interessos? Ens temem que no.<\/strong><\/p>\n<p>Una hipoteca de tipus variable est\u00e0 formada per dos factors: l&#8217;Eur\u00edbor i els diferencials aplicats pel banc. Per a que els interessos del banc siguin negatius, l&#8217;Eur\u00edbor hauria de caure per sota d&#8217;aquest diferencial que actualment s&#8217;est\u00e0 aplicant al 0,5%, com a terme mig. Per tant, sembla que \u00e9s prou complicat que el banc acabi pagant al client.<\/p>\n<p>En el cas que l&#8217;inter\u00e8s de la hipoteca sigui negatiu &#8211; si super\u00e9s aquest diferencial &#8211; el deute hauria de reduir-se i el banc hauria de descomptar els interessos de l&#8217;import del pr\u00e9stec que, en efecte, seria pagar els interessos. Tot i que, \u00f2bviament, el banc sost\u00e9 que &#8220;pagar per demanar prestat&#8221; \u00e9s absolutament contradictori. En aquest cas, l&#8217;inter\u00e8s aplicable seria 0%.<\/p>\n<p>I, <strong>Per qu\u00e8 est\u00e0 l&#8217;euribor en negatiu?<\/strong><\/p>\n<p>Les actuacions extraordin\u00e0ries aplicades pel Banc Central Europeu (BCE) ha portat a que l&#8217;Euribor sigui actualment negatiu, ja que s&#8217;aplica un &#8211; 0,3% en els diners als bancs amb exc\u00e9s de liquiditat i que tenen comptes en dip\u00f2sit al Banc Central. Aix\u00ed, els pr\u00e9stecs perden el seu significat inicial, el de prestar diners, ja que es converteix en un dip\u00f2sit retribu\u00eft.<\/p>\n<p>En qualsevol cas, els experts creuen que en aquelles hipoteques subjectes a diferencials molt redu\u00efts, una entitat financera s\u00ed pot no cobrar inter\u00e8s, el que significaria que la quota mensual que paga l&#8217;hipotecat aniria directament a amortitzar el pr\u00e9stec. Per\u00f2 tot dep\u00e8n de les condicions de la hipoteca i la seva interpretaci\u00f3.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Des que va comen\u00e7ar l&#8217;any, l&#8217;Eur\u00edbor, el referent de la majoria d&#8217;hipoteques a Espanya, no ha fer una altra cosa que marcar m\u00ednims hist\u00f2rics, fins i tot arribant al terreny negatiu. Per\u00f2, qu\u00e8 significa aix\u00f2 per tots aquells que tinguin una hipoteca de tipus variable o vagin a contractar-ne una? Ara, la q\u00fcesti\u00f3 m\u00e9s recurrent [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"content-type":"","footnotes":""},"categories":[1156],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Et pagar\u00e0 el banc la teva hipoteca amb un Eur\u00edbor negatiu? | Amat Immobiliaris<\/title>\n<meta name=\"description\" content=\"L&#039;Eur\u00edbor marca m\u00ednims hist\u00f2rics, estant fins i tot en negatiu. Qu\u00e8 significa aix\u00f2 per a qui t\u00e9 una hipoteca de tipus variable?\" \/>\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.amatimmobiliaris.com\/w\/ca\/2016\/04\/et-pagara-banc-la-teva-hipoteca-amb-euribor-negatiu\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Et pagar\u00e0 el banc la teva hipoteca amb un Eur\u00edbor negatiu? | Amat Immobiliaris\" \/>\n<meta property=\"og:description\" content=\"L&#039;Eur\u00edbor marca m\u00ednims hist\u00f2rics, estant fins i tot en negatiu. Qu\u00e8 significa aix\u00f2 per a qui t\u00e9 una hipoteca de tipus variable?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.amatimmobiliaris.com\/w\/ca\/2016\/04\/et-pagara-banc-la-teva-hipoteca-amb-euribor-negatiu\/\" \/>\n<meta property=\"og:site_name\" content=\"Amat Immobiliaris\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/amatimmobiliaris\" \/>\n<meta property=\"article:published_time\" content=\"2016-04-15T10:51:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-04-26T07:49:13+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.amatimmobiliaris.com\/w\/wp-content\/uploads\/2022\/01\/2014-Saga-familiar-Amat-dw-1-1024x683.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"683\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Amat Immobiliaris\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@amat_cat\" \/>\n<meta name=\"twitter:site\" content=\"@amat_cat\" \/>\n<meta name=\"twitter:label1\" content=\"Escrit per\" \/>\n\t<meta name=\"twitter:data1\" content=\"Amat Immobiliaris\" \/>\n\t<meta name=\"twitter:label2\" content=\"Temps estimat de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minuts\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.amatimmobiliaris.com\/w\/ca\/2016\/04\/et-pagara-banc-la-teva-hipoteca-amb-euribor-negatiu\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.amatimmobiliaris.com\/w\/ca\/2016\/04\/et-pagara-banc-la-teva-hipoteca-amb-euribor-negatiu\/\"},\"author\":{\"name\":\"Amat Immobiliaris\",\"@id\":\"https:\/\/www.amatimmobiliaris.com\/w\/#\/schema\/person\/c880da71d1e156e7ea6774ffb445e034\"},\"headline\":\"Et pagar\u00e0 el banc la teva hipoteca amb un Eur\u00edbor negatiu?\",\"datePublished\":\"2016-04-15T10:51:00+00:00\",\"dateModified\":\"2023-04-26T07:49:13+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.amatimmobiliaris.com\/w\/ca\/2016\/04\/et-pagara-banc-la-teva-hipoteca-amb-euribor-negatiu\/\"},\"wordCount\":348,\"publisher\":{\"@id\":\"https:\/\/www.amatimmobiliaris.com\/w\/#organization\"},\"articleSection\":[\"Fiscalitat\"],\"inLanguage\":\"ca\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.amatimmobiliaris.com\/w\/ca\/2016\/04\/et-pagara-banc-la-teva-hipoteca-amb-euribor-negatiu\/\",\"url\":\"https:\/\/www.amatimmobiliaris.com\/w\/ca\/2016\/04\/et-pagara-banc-la-teva-hipoteca-amb-euribor-negatiu\/\",\"name\":\"Et pagar\u00e0 el banc la teva hipoteca amb un Eur\u00edbor negatiu? | Amat Immobiliaris\",\"isPartOf\":{\"@id\":\"https:\/\/www.amatimmobiliaris.com\/w\/#website\"},\"datePublished\":\"2016-04-15T10:51:00+00:00\",\"dateModified\":\"2023-04-26T07:49:13+00:00\",\"description\":\"L'Eur\u00edbor marca m\u00ednims hist\u00f2rics, estant fins i tot en negatiu. Qu\u00e8 significa aix\u00f2 per a qui t\u00e9 una hipoteca de tipus variable?\",\"breadcrumb\":{\"@id\":\"https:\/\/www.amatimmobiliaris.com\/w\/ca\/2016\/04\/et-pagara-banc-la-teva-hipoteca-amb-euribor-negatiu\/#breadcrumb\"},\"inLanguage\":\"ca\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.amatimmobiliaris.com\/w\/ca\/2016\/04\/et-pagara-banc-la-teva-hipoteca-amb-euribor-negatiu\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.amatimmobiliaris.com\/w\/ca\/2016\/04\/et-pagara-banc-la-teva-hipoteca-amb-euribor-negatiu\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.amatimmobiliaris.com\/w\/ca\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Fiscalitat\",\"item\":\"https:\/\/www.amatimmobiliaris.com\/w\/ca\/categoria-ca\/fiscalitat-ca\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Et pagar\u00e0 el banc la teva hipoteca amb un Eur\u00edbor negatiu?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.amatimmobiliaris.com\/w\/#website\",\"url\":\"https:\/\/www.amatimmobiliaris.com\/w\/\",\"name\":\"Amat Immobiliaris\",\"description\":\"Empresa familiar del sector inmobiliario con oficinas en Barcelona, Sant Cugat del Vall\u00e9s y Sant Just Desvern. Te ayudamos a comprar, alquilar o vender tu casa o piso. Somos un equipo coherente con una cultura de empresa honesta, innovadora y eficaz. Tambi\u00e9n en www.amatluxury.com\",\"publisher\":{\"@id\":\"https:\/\/www.amatimmobiliaris.com\/w\/#organization\"},\"alternateName\":\"AmatImmo\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.amatimmobiliaris.com\/w\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"ca\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.amatimmobiliaris.com\/w\/#organization\",\"name\":\"Amat Immobiliaris\",\"url\":\"https:\/\/www.amatimmobiliaris.com\/w\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ca\",\"@id\":\"https:\/\/www.amatimmobiliaris.com\/w\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.amatimmobiliaris.com\/w\/wp-content\/uploads\/2022\/10\/amat-logo.jpg\",\"contentUrl\":\"https:\/\/www.amatimmobiliaris.com\/w\/wp-content\/uploads\/2022\/10\/amat-logo.jpg\",\"width\":900,\"height\":900,\"caption\":\"Amat Immobiliaris\"},\"image\":{\"@id\":\"https:\/\/www.amatimmobiliaris.com\/w\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/amatimmobiliaris\",\"https:\/\/x.com\/amat_cat\",\"https:\/\/www.instagram.com\/amat_immo\/\",\"https:\/\/www.linkedin.com\/company\/amat-finques\/\",\"https:\/\/www.youtube.com\/@amatimmobiliaris\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.amatimmobiliaris.com\/w\/#\/schema\/person\/c880da71d1e156e7ea6774ffb445e034\",\"name\":\"Amat Immobiliaris\",\"sameAs\":[\"http:\/\/amat-inmo-wp.localhost\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Et pagar\u00e0 el banc la teva hipoteca amb un Eur\u00edbor negatiu? | Amat Immobiliaris","description":"L'Eur\u00edbor marca m\u00ednims hist\u00f2rics, estant fins i tot en negatiu. Qu\u00e8 significa aix\u00f2 per a qui t\u00e9 una hipoteca de tipus variable?","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.amatimmobiliaris.com\/w\/ca\/2016\/04\/et-pagara-banc-la-teva-hipoteca-amb-euribor-negatiu\/","og_locale":"ca_ES","og_type":"article","og_title":"Et pagar\u00e0 el banc la teva hipoteca amb un Eur\u00edbor negatiu? | Amat Immobiliaris","og_description":"L'Eur\u00edbor marca m\u00ednims hist\u00f2rics, estant fins i tot en negatiu. Qu\u00e8 significa aix\u00f2 per a qui t\u00e9 una hipoteca de tipus variable?","og_url":"https:\/\/www.amatimmobiliaris.com\/w\/ca\/2016\/04\/et-pagara-banc-la-teva-hipoteca-amb-euribor-negatiu\/","og_site_name":"Amat Immobiliaris","article_publisher":"https:\/\/www.facebook.com\/amatimmobiliaris","article_published_time":"2016-04-15T10:51:00+00:00","article_modified_time":"2023-04-26T07:49:13+00:00","og_image":[{"width":1024,"height":683,"url":"https:\/\/www.amatimmobiliaris.com\/w\/wp-content\/uploads\/2022\/01\/2014-Saga-familiar-Amat-dw-1-1024x683.jpg","type":"image\/jpeg"}],"author":"Amat Immobiliaris","twitter_card":"summary_large_image","twitter_creator":"@amat_cat","twitter_site":"@amat_cat","twitter_misc":{"Escrit per":"Amat Immobiliaris","Temps estimat de lectura":"2 minuts"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.amatimmobiliaris.com\/w\/ca\/2016\/04\/et-pagara-banc-la-teva-hipoteca-amb-euribor-negatiu\/#article","isPartOf":{"@id":"https:\/\/www.amatimmobiliaris.com\/w\/ca\/2016\/04\/et-pagara-banc-la-teva-hipoteca-amb-euribor-negatiu\/"},"author":{"name":"Amat Immobiliaris","@id":"https:\/\/www.amatimmobiliaris.com\/w\/#\/schema\/person\/c880da71d1e156e7ea6774ffb445e034"},"headline":"Et pagar\u00e0 el banc la teva hipoteca amb un Eur\u00edbor negatiu?","datePublished":"2016-04-15T10:51:00+00:00","dateModified":"2023-04-26T07:49:13+00:00","mainEntityOfPage":{"@id":"https:\/\/www.amatimmobiliaris.com\/w\/ca\/2016\/04\/et-pagara-banc-la-teva-hipoteca-amb-euribor-negatiu\/"},"wordCount":348,"publisher":{"@id":"https:\/\/www.amatimmobiliaris.com\/w\/#organization"},"articleSection":["Fiscalitat"],"inLanguage":"ca"},{"@type":"WebPage","@id":"https:\/\/www.amatimmobiliaris.com\/w\/ca\/2016\/04\/et-pagara-banc-la-teva-hipoteca-amb-euribor-negatiu\/","url":"https:\/\/www.amatimmobiliaris.com\/w\/ca\/2016\/04\/et-pagara-banc-la-teva-hipoteca-amb-euribor-negatiu\/","name":"Et pagar\u00e0 el banc la teva hipoteca amb un Eur\u00edbor negatiu? | Amat Immobiliaris","isPartOf":{"@id":"https:\/\/www.amatimmobiliaris.com\/w\/#website"},"datePublished":"2016-04-15T10:51:00+00:00","dateModified":"2023-04-26T07:49:13+00:00","description":"L'Eur\u00edbor marca m\u00ednims hist\u00f2rics, estant fins i tot en negatiu. Qu\u00e8 significa aix\u00f2 per a qui t\u00e9 una hipoteca de tipus variable?","breadcrumb":{"@id":"https:\/\/www.amatimmobiliaris.com\/w\/ca\/2016\/04\/et-pagara-banc-la-teva-hipoteca-amb-euribor-negatiu\/#breadcrumb"},"inLanguage":"ca","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.amatimmobiliaris.com\/w\/ca\/2016\/04\/et-pagara-banc-la-teva-hipoteca-amb-euribor-negatiu\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.amatimmobiliaris.com\/w\/ca\/2016\/04\/et-pagara-banc-la-teva-hipoteca-amb-euribor-negatiu\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.amatimmobiliaris.com\/w\/ca\/"},{"@type":"ListItem","position":2,"name":"Fiscalitat","item":"https:\/\/www.amatimmobiliaris.com\/w\/ca\/categoria-ca\/fiscalitat-ca\/"},{"@type":"ListItem","position":3,"name":"Et pagar\u00e0 el banc la teva hipoteca amb un Eur\u00edbor negatiu?"}]},{"@type":"WebSite","@id":"https:\/\/www.amatimmobiliaris.com\/w\/#website","url":"https:\/\/www.amatimmobiliaris.com\/w\/","name":"Amat Immobiliaris","description":"Empresa familiar del sector inmobiliario con oficinas en Barcelona, Sant Cugat del Vall\u00e9s y Sant Just Desvern. Te ayudamos a comprar, alquilar o vender tu casa o piso. Somos un equipo coherente con una cultura de empresa honesta, innovadora y eficaz. Tambi\u00e9n en www.amatluxury.com","publisher":{"@id":"https:\/\/www.amatimmobiliaris.com\/w\/#organization"},"alternateName":"AmatImmo","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.amatimmobiliaris.com\/w\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"ca"},{"@type":"Organization","@id":"https:\/\/www.amatimmobiliaris.com\/w\/#organization","name":"Amat Immobiliaris","url":"https:\/\/www.amatimmobiliaris.com\/w\/","logo":{"@type":"ImageObject","inLanguage":"ca","@id":"https:\/\/www.amatimmobiliaris.com\/w\/#\/schema\/logo\/image\/","url":"https:\/\/www.amatimmobiliaris.com\/w\/wp-content\/uploads\/2022\/10\/amat-logo.jpg","contentUrl":"https:\/\/www.amatimmobiliaris.com\/w\/wp-content\/uploads\/2022\/10\/amat-logo.jpg","width":900,"height":900,"caption":"Amat Immobiliaris"},"image":{"@id":"https:\/\/www.amatimmobiliaris.com\/w\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/amatimmobiliaris","https:\/\/x.com\/amat_cat","https:\/\/www.instagram.com\/amat_immo\/","https:\/\/www.linkedin.com\/company\/amat-finques\/","https:\/\/www.youtube.com\/@amatimmobiliaris"]},{"@type":"Person","@id":"https:\/\/www.amatimmobiliaris.com\/w\/#\/schema\/person\/c880da71d1e156e7ea6774ffb445e034","name":"Amat Immobiliaris","sameAs":["http:\/\/amat-inmo-wp.localhost"]}]}},"_links":{"self":[{"href":"https:\/\/www.amatimmobiliaris.com\/w\/ca\/wp-json\/wp\/v2\/posts\/1567"}],"collection":[{"href":"https:\/\/www.amatimmobiliaris.com\/w\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.amatimmobiliaris.com\/w\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.amatimmobiliaris.com\/w\/ca\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.amatimmobiliaris.com\/w\/ca\/wp-json\/wp\/v2\/comments?post=1567"}],"version-history":[{"count":1,"href":"https:\/\/www.amatimmobiliaris.com\/w\/ca\/wp-json\/wp\/v2\/posts\/1567\/revisions"}],"predecessor-version":[{"id":17660,"href":"https:\/\/www.amatimmobiliaris.com\/w\/ca\/wp-json\/wp\/v2\/posts\/1567\/revisions\/17660"}],"wp:attachment":[{"href":"https:\/\/www.amatimmobiliaris.com\/w\/ca\/wp-json\/wp\/v2\/media?parent=1567"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.amatimmobiliaris.com\/w\/ca\/wp-json\/wp\/v2\/categories?post=1567"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.amatimmobiliaris.com\/w\/ca\/wp-json\/wp\/v2\/tags?post=1567"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}