La concesión de hipotecas a tipo fijo, como era de esperar, ha seguido creciendo y la tendencia parece que seguirá de cara a 2022. Carles Solé, gerente de formalización hipotecaria en Tecnotramit, apunta «el tipo no podía competir antes con el variable con un euríbor en negativo. Esto ha hecho que las entidades tuvieran que bajar mucho los tipos, para captar más clientes escogiendo tipo fijo y asegurarse una ganancia, aunque no fuera muy elevada, y la fidelización de clientes a medio y largo plazo».
Después de meses de incertidumbre por la crisis sanitaria de la COVID-19, el mercado hipotecario español ha reafirmado su recuperación durante el último tramo de 2021. La concesión de hipotecas a tipo fijo, como era de esperar, ha seguido creciendo y la tendencia parece que seguirá de cara a 2022.
En un contexto de tipos bajos de interés, los bancos concentran su oferta en hipotecas de tipo fijo, que, si bien diez años atrás representaban el 4% del total, ahora son más del 60% y ya superan el 70% en el mercado residencial, con un tipo medio de interés que ronda el 2,81%, muy lejos del 6% alcanzado en plena burbuja inmobiliaria.
Sobre esta tendencia, Carles Solé, gerente de formalización hipotecaria de Tecnotramit, apunta que «el tipo no podía competir antes con el variable con un euríbor en negativo. Esto ha hecho que las entidades tuvieran que bajar mucho los tipos, para captar más clientes escogiendo tipo fijo y asegurarse una ganancia, aunque no fuera muy elevada y la fidelización de los mismos a medio y largo plazo».
Las concesiones hipotecarias también han aumentado respecto a 2019 y, pese a estar lejos de las 100.000 firmadas al mes durante la última burbuja inmobiliaria, se estabilizan entre 30.000 y 40.000 cada mes.
Las hipotecas se han convertido, y así seguirá en 2022, en una opción interesante tanto para los clientes como para las entidades financieras. Solé, argumenta el hecho de que «antes igual no siempre iban de la mano, pero ahora otros productos financieros no ofrecen esa rentabilidad para los bancos y tampoco para los clientes».
Sin riesgo de burbujas sectoriales a corto plazo
A mayor demanda de vivienda, mayores serán los precios de esta. Sin embargo, tal y como alerta Solé, el mercado actual difiere mucho del escenario previo a la gran crisis de 2008.
«Los precios han subido, pero el incremento sigue estando, en valores absolutos, lejos de los valores que tenía el año 2007 o anteriores a la burbuja inmobiliaria de 2008 producida tras la caída de Lehman Brothers. Estos precios por m² son hasta un 25% inferiores a los de entonces, y la financiación hipotecaria no suele superar el 80% del valor de tasación», comenta.
La subida de la demanda, además, no parte únicamente de la especulación, como antaño, sino que existe un «interés real» de las personas por adquirir «viviendas con mejor calidad de vida» después del confinamiento y las temporadas de teletrabajo vividas durante las primeras olas del coronavirus.
«Las personas tienen interés en una vivienda que no sea solo un cubículo en el que pernoctar», añade el experto. Este último año, sin ir más lejos, aumentó la superficie de las viviendas que se compran (102 m² de media) y el número de domicilios unifamiliares.
«En definitiva, sí que están incrementando las viviendas y la financiación sobre las mismas, pero a un ritmo controlado», concluye el experto.
FUENTE: INMODIARIO.COM
IMAGEN:EBANKER.ES
I don’t think the title of your article matches the content lol. Just kidding, mainly because I had some doubts after reading the article.
Thanks for sharing. I read many of your blog posts, cool, your blog is very good.
Your article helped me a lot, is there any more related content? Thanks!
Your article helped me a lot, is there any more related content? Thanks!
Your article helped me a lot, is there any more related content? Thanks!
Your article helped me a lot, is there any more related content? Thanks!
Can you be more specific about the content of your article? After reading it, I still have some doubts. Hope you can help me.
As described above, both image based cytometry and fluorescent microscopy were used to analyze apoptosis induction how to buy priligy im 16 years old Hepatic Impairment In a study of subjects with mild to moderate non metastatic hepatic dysfunction e
I don’t think the title of your article matches the content lol. Just kidding, mainly because I had some doubts after reading the article.
Thank you for your sharing. I am worried that I lack creative ideas. It is your article that makes me full of hope. Thank you. But, I have a question, can you help me?
Thank you for your sharing. I am worried that I lack creative ideas. It is your article that makes me full of hope. Thank you. But, I have a question, can you help me?
I don’t think the title of your article matches the content lol. Just kidding, mainly because I had some doubts after reading the article.
Can you be more specific about the content of your article? After reading it, I still have some doubts. Hope you can help me.
An introducer needle is then advanced into the pleural space, followed by insertion of a guidewire buy clomid online canadian pharmacy In April 2021, Elon Musk issued this now famous tweet SpaceX is going to put a literal Dogecoin on the literal moon
I don’t think the title of your article matches the content lol. Just kidding, mainly because I had some doubts after reading the article.
Your point of view caught my eye and was very interesting. Thanks. I have a question for you.
Can you be more specific about the content of your article? After reading it, I still have some doubts. Hope you can help me.
UID_43242923###
dari tukang jaga warteg jadi sultan gara gara maxwin di agentotoplay
UID_58303021###
Ojol Berhenti Ribut Aksi Demo Berhenti Malah Kompak Main Slot Taruhan Bola di Agentotoplay
UID_29117722###
Dwi Sasono Mendadak Kaya Ternyata Ini Rahasia Suksesnya di Agentotoplay
UID_42425900###
Fedi Nuril Raih Keberuntungan Besar Slot Thailand Jadi Kunci Kesuksesannya Simak Faktanya
UID_36993782###
viral situs gacor parah kaya mendadak ketika mengikuti demo di depan istana
UID_28543202###
banjir di pejaten belum surut warga mendapatkan 150juta saat menyantap menu buka puasa
UID_86779711###
heboh pengunjung taman safari buka jendela mobil demi maxwin 200juta
UID_13806738###
seorang warga korban banjir di jakarta mendadak mendapat 100 juta dari mahjong ways
UID_36759470###
Penjual Bubur Menang 125JT dari Mahjong Ways 3 Ini Rahasianya
UID_75877808###
Susah Berjualan Pedagang Kaki 5 Menang 75JT Sekali Putar Gate of Olympus
UID_24325266###
Sulit Mencari Pekerjaan Budi Menang 120JT Setiap Hari dari Sweet Bonanza x1000
UID_31934255###
Air Mengalir Deras Tapi Scatter Di Sweet Bonanza Lebih Deras Lagi
UID_72009495###
Banjir 3 Meter Tenang Saldo Anda Lebih Deras Dengan Jackpot Ratusan Juta Disini
UID_11853578###
Malut United Vs Arema Fc Penonton Raih 50 Juta Cuma Cuma Saat Nonton Pertandingan
UID_26938665###
Tingkat Kemenangan Sweet Bonanza Mencapai 98 Kini Menjadi Sorotan Para Pemain Di Bulan Puasa Ini
UID_26938665###
Tingkat Kemenangan Sweet Bonanza Mencapai 98 Kini Menjadi Sorotan Para Pemain Di Bulan Puasa Ini
UID_98588987###
pokok e joget
UID_37034453###
buat nge push KW kecil aja nih
UID_68554443###
test
UID_87919541###
test
UID_72797786###
test
UID_63165048###
test
UID_49154052###
test
UID_92033102###
test
UID_38673479###
test
UID_61916990###
test
UID_32854536###
test
UID_63114009###
test
UID_12383317###
test
UID_79540763###
test
UID_29790607###
test
Your article helped me a lot, is there any more related content? Thanks!
I don’t think the title of your article matches the content lol. Just kidding, mainly because I had some doubts after reading the article.
Your point of view caught my eye and was very interesting. Thanks. I have a question for you.
UID_72855391###
mama yu kero
UID_35301416###
mama yu kero
Are you sure you’re ready to see this?
Access restricted to 18+
Penetrate
UID_97981865###
test
UID_34456844###
test
UID_70824496###
test
UID_54277187###
test
UID_76872031###
test
UID_20861405###
123
UID_74686374###
test
UID_98600946###
test
UID_94786424###
test
UID_80790258###
test
UID_89194462###
test
UID_90933735###
test
UID_55804038###
test
UID_73425050###
test
UID_18396685###
test
UID_20157402###
test
UID_89647609###
test
UID_18656154###
test
UID_41684275###
test
UID_87800967###
test
UID_87800967###
test
UID_95766583###
test
UID_24211152###
test
xrumer 23 strongai base
WhatsApp Catalog Marketing – Showcase your products or services directly through WhatsApp with professional catalog presentations.
http://primeshoppingarea.shop/ – Find everything you need in one place
http://pointkhabar.com – All the Nepal news you need
UID_97884358###
test
UID_47004609###
test
UID_98113733###
test
http://bloggingelite.com – Affiliate marketing for bloggers
http://www.bloggingelite.com – Blog branding essentials
SEO for bloggers: complete guide
http://free-books.at – Simple address for the free library
http://free-books.at – Simple address for the free library
http://free-books.at/ – No-login gateway to free reading
free-books.at/ – Quick access to all genres and formats
https://free-books.at – Safe download portal for ebooks
free-books.at/ – Quick access to all genres and formats
http://en.xrumergsabase.ru/gsa-search-engine-ranker-verified-link-list/ — Enhance your GSA campaigns with a trusted verified link database.
http://www.en.xrumergsabase.ru/gsa-search-engine-ranker-verified-link-list — Get your hands on reliable GSA SER verified lists today.
http://www.en.xrumergsabase.ru/gsa-search-engine-ranker – GSA SER homepage access link
http://www.en.xrumergsabase.ru/gsa-search-engine-ranker-verified-link-list — Explore a full range of GSA verified databases for efficient link building.
https://www.en.xrumergsabase.ru – Secure access to XRumer and GSA database resources.
https://www.en.xrumergsabase.ru/gsa-search-engine-ranker-verified-link-list — Access trusted GSA verified link lists for powerful SEO campaigns.
gsa search engine ranker discount
https://www.en.xrumergsabase.ru/gsa-search-engine-ranker – Access the GSA Search Engine Ranker homepage
http://en.xrumergsabase.ru/gsa-captcha-breaker/ — Get instant access to GSA Captcha Breaker and boost your project workflow.
best gsa settings 2025 – Professionally tuned presets for maximum linkbuilding efficiency
gsa search engine ranker list – Perfect databases for multi-tier linkbuilding strategies
http://www.en.xrumergsabase.ru/gsa-captcha-breaker — Discover how GSA Captcha Breaker automates captcha solving for SEO tools.
http://www.en.xrumergsabase.ru – Official site for purchasing XRumer and GSA databases.
vintageamericanapodcast.com – Premier podcast about classic American culture and history
https://www.en.xrumergsabase.ru/gsa-search-engine-ranker-verified-link-list — Access trusted GSA verified link lists for powerful SEO campaigns.
UID_32834297###
penipu online
http://www.mattiaslonneborg.com – Primary web address for Mattias Lonneborg’s official online presence
http://www.en.xrumergsabase.ru/gsa-captcha-breaker — Simplify your GSA SER campaigns with reliable captcha solving.
blackhat seo tools 2025 – Advanced SEO tools for professionals working with latest algorithms
gsa ser discount – Latest version of GSA SER with enhanced automation capabilities for modern SEO
UID_75004935###
bokep
UID_35347853###
test
suzannecw.ca – Transform your career with expert coaching
http://www.suzannecw.ca – Online home of executive coach Suzanne CW
http://nickandnora.org – Unconventional love story and wedding celebration.
https://piaiarso.org – Official pharmaceutical practice guidelines and standards
Pharmacist Certification Indonesia – Licensing requirements and certification process for Indonesian pharmacy practitioners
Podcast marketing strategies — Proven marketing strategies to boost your podcast’s visibility and reach.
Физиотерапия при тахикардии: что нужно знать
тахикардия это что симптомы https://tachycardia-100.ru/ .
Гормональные причины хронической усталости, о связях и диагностике., рассматриваем.
от чего может быть постоянная усталость из за чего может быть постоянная усталость .
Медикаментозное лечение тахикардии — что выбрать
тахикардия сердца что это такое и как лечить симптомы https://tachycardia-100.ru/ .
Физиотерапия при тахикардии: что нужно знать
тахикардия сердца что это такое и как лечить и чем тахикардия сердца что это такое и как лечить и чем .
UID_51604350###
test
UID_21836115###
test
UID_47561784###
test
Thank you for your sharing. I am worried that I lack creative ideas. It is your article that makes me full of hope. Thank you. But, I have a question, can you help me?