{"id":931,"date":"2017-03-26T10:43:57","date_gmt":"2017-03-26T10:43:57","guid":{"rendered":"http:\/\/www.redpiso.es\/news\/?p=931"},"modified":"2017-03-16T10:45:01","modified_gmt":"2017-03-16T10:45:01","slug":"la-compensacion-riesgo-interes","status":"publish","type":"post","link":"https:\/\/www.redpiso.es\/news\/la-compensacion-riesgo-interes\/","title":{"rendered":"La compensaci\u00f3n por riesgo de inter\u00e9s"},"content":{"rendered":"<p>Las <strong><em>hipotecas a tipo fijo<\/em><\/strong>, es decir, las hipotecas que no var\u00edan en funci\u00f3n del Euribor, han cobrado gran importancia en los \u00faltimos meses, pues al contrario de lo que ocurr\u00eda en los \u00faltimos a\u00f1os, han comenzado a crecer. En cambio, cuentan con un importante freno: la <strong><em>compensaci\u00f3n por riesgo de inter\u00e9s<\/em><\/strong>.<\/p>\n<p>La compensaci\u00f3n por riesgo de inter\u00e9s se aplica cuando la hipoteca a tipo fijo se cancela antes del periodo de tiempo establecido (puede ser por amortizaci\u00f3n o por subrogaci\u00f3n) y en funci\u00f3n de si constituye una p\u00e9rdida o una ganancia para el banco emisor de la hipoteca. Esta compensaci\u00f3n se aplica si, en el momento de la cancelaci\u00f3n, los intereses est\u00e1n m\u00e1s bajos que los que se aplican en la hipoteca. Esto supone una p\u00e9rdida para el banco y habr\u00eda que compensarle. La <strong><em>cantidad a compensar<\/em><\/strong> debe estar fijada en el <strong><em>contrato de hipoteca<\/em><\/strong> y es el banco el encargado de demostrar que se ha producido una p\u00e9rdida de capital por la cancelaci\u00f3n de esa hipoteca. La cantidad fijada en la hipoteca (normalmente oscila entre el 2% y el 3%, pero var\u00eda en funci\u00f3n de cada banco) se aplicar\u00e1 sobre la cantidad amortizada.<\/p>\n<p>Es bueno calcular qu\u00e9 cantidad habr\u00eda que pagar antes de decidir si se cancela o no la hipoteca, ya que en ocasiones habr\u00eda que pagar mucho dinero debido a la <strong><em>compensaci\u00f3n por riesgo de inter\u00e9s<\/em><\/strong>. Actualmente, la competencia entre los bancos hace que \u00e9stos decidan rebajar e, incluso, cancelar esta compensaci\u00f3n. Es sencillo calcular el importe que habr\u00eda que pagar al hacer una amortizaci\u00f3n, por lo que es muy recomendable conocerlo para evitar sustos.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Las hipotecas a tipo fijo, es decir, las hipotecas que no var\u00edan en funci\u00f3n del Euribor, han cobrado gran importancia en los \u00faltimos meses, pues al contrario de lo que ocurr\u00eda en los \u00faltimos a\u00f1os, han comenzado a crecer. En cambio, cuentan con un importante freno: la compensaci\u00f3n por riesgo de inter\u00e9s. La compensaci\u00f3n por riesgo de inter\u00e9s se aplica [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":891,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-931","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-general"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>La compensaci\u00f3n por riesgo de inter\u00e9s - REDPISO NEWS<\/title>\n<meta name=\"description\" content=\"Descubre lo que es la compensaci\u00f3n por riesgo de inter\u00e9s, para qu\u00e9 sirve y c\u00f3mo calcularla.\" \/>\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.redpiso.es\/news\/la-compensacion-riesgo-interes\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"La compensaci\u00f3n por riesgo de inter\u00e9s - 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