{"id":1021,"date":"2023-10-03T15:40:28","date_gmt":"2023-10-03T13:40:28","guid":{"rendered":"https:\/\/grupaimmobles.com\/ahipoteques\/programas-de-amortizacion-acelerada-de-su-hipoteca\/"},"modified":"2026-06-01T16:23:11","modified_gmt":"2026-06-01T14:23:11","slug":"programas-de-amortizacion-acelerada-de-su-hipoteca","status":"publish","type":"post","link":"https:\/\/ahipoteques.com\/es\/programas-de-amortizacion-acelerada-de-su-hipoteca\/","title":{"rendered":"Programas de amortizaci\u00f3n acelerada de su hipoteca"},"content":{"rendered":"<p>Empieza el oto\u00f1o, y este verano, muchos de ustedes han hecho escapadas de proximidad por precauci\u00f3n y con un objetivo concreto, el de generar ahorro. \u00bfY con qu\u00e9 finalidad? La de amortizar su hipoteca.<\/p>\n<h3><strong>\u00bfPero qu\u00e9 es mejor? \u00bfAhorrar, amortizar o invertir?<\/strong><\/h3>\n<p><strong><\/strong><\/p>\n<p>Hoy, en <strong>aHipoteques<\/strong> les queremos explicar qu\u00e9 factores deben tener en cuenta para tomar una buena decisi\u00f3n.<\/p>\n<p>Antes que nada, es necesario focalizarnos en el tipo de inter\u00e9s de la hipoteca contratada. El tipo medio actual ronda el 3,75%, por lo tanto, es un buen momento para plantearnos amortizar una parte del capital pendiente. En cambio, ante una situaci\u00f3n de tipo de inter\u00e9s bajo, ahorrar es mejor para generar rentabilidades extras. Ahora bien, todo depende del perfil de riesgo del inversor.<\/p>\n<h3>Amortizar la hipoteca anticipadamente tiene dos beneficios:<\/h3>\n<ul>\n<li>\n<p><strong>Si se reduce el capital, acabaremos pagando menos intereses en el momento en que se recalcule la cuota.<\/strong><\/p>\n<\/li>\n<li>\n<p><strong>El efecto psicol\u00f3gico de tener una deuda inferior.<\/strong><\/p>\n<\/li>\n<\/ul>\n<p><strong><\/strong><\/p>\n<p>\u00bfSu hipoteca le permite hacer pagos anticipados del saldo principal? \u00bfQuiere hacer un pago extra con el excedente de ahorro que ha generado? <strong>aHipoteques<\/strong> actualizar\u00e1 el saldo de su pr\u00e9stamo hipotecario y le proporcionar\u00e1 el escenario con una nueva tabla de amortizaci\u00f3n y con el plazo debidamente actualizado.<\/p>\n<p>\u00bfTiene previsto ingresar alg\u00fan bonus por la consecuci\u00f3n de objetivos de cara a este mes de septiembre? \u00bfO sencillamente se plantea modificar sus cuotas de mensuales a quincenales? Considere hacer pagos adicionales siempre que tenga la oportunidad, ahora es un buen momento.<\/p>\n<p><strong>aHipoteques<\/strong> le ayuda con los c\u00e1lculos, de esta manera reducir\u00e1 el saldo principal y acelerar\u00e1 el pago de su hipoteca. <strong><a href=\"https:\/\/ahipoteques.cat\/contacte\/\" target=\"_blank\" rel=\"noopener\">Contacte ahora con nosotros<\/a><\/strong> sin compromiso y obtendr\u00e1 un estudio en menos de 48h.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Empieza el oto\u00f1o, y este verano, muchos de ustedes han hecho escapadas de proximidad por precauci\u00f3n y con un objetivo [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1022,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[44],"tags":[],"class_list":["post-1021","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-hipoteca"],"_links":{"self":[{"href":"https:\/\/ahipoteques.com\/es\/wp-json\/wp\/v2\/posts\/1021","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ahipoteques.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ahipoteques.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ahipoteques.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ahipoteques.com\/es\/wp-json\/wp\/v2\/comments?post=1021"}],"version-history":[{"count":1,"href":"https:\/\/ahipoteques.com\/es\/wp-json\/wp\/v2\/posts\/1021\/revisions"}],"predecessor-version":[{"id":1125,"href":"https:\/\/ahipoteques.com\/es\/wp-json\/wp\/v2\/posts\/1021\/revisions\/1125"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ahipoteques.com\/es\/wp-json\/wp\/v2\/media\/1022"}],"wp:attachment":[{"href":"https:\/\/ahipoteques.com\/es\/wp-json\/wp\/v2\/media?parent=1021"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ahipoteques.com\/es\/wp-json\/wp\/v2\/categories?post=1021"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ahipoteques.com\/es\/wp-json\/wp\/v2\/tags?post=1021"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}