{"id":288,"date":"2024-07-30T18:34:57","date_gmt":"2024-07-30T18:34:57","guid":{"rendered":"https:\/\/earnest-orange-lynx.178-211-133-57.cpanel.site\/index.php\/2024\/07\/30\/post006\/"},"modified":"2026-03-02T13:15:03","modified_gmt":"2026-03-02T13:15:03","slug":"post006","status":"publish","type":"post","link":"https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/index.php\/2024\/07\/30\/post006\/","title":{"rendered":"TIN vs TAE en una hipoteca: c\u00f3mo comparar ofertas de verdad"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"288\" class=\"elementor elementor-288\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5e7a66f e-con-full e-flex e-con e-parent\" data-id=\"5e7a66f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-92224ad e-con-full e-flex e-con e-child\" data-id=\"92224ad\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-43b7cd1 elementor-widget elementor-widget-the7-heading\" data-id=\"43b7cd1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"the7-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"the7-heading-title elementor-size-default\">TIN VS. TAE en tu hipoteca<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4f02413 elementor-widget elementor-widget-text-editor\" data-id=\"4f02413\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Si est\u00e1s mirando hipotecas, es normal que te suenen estas frases:<\/p><ul><li>\u201cTIN desde el 2,60%\u201d.<\/li><li>\u201cTAE 3,10% (con bonificaci\u00f3n)\u201d.<\/li><li>\u201cHasta -1,00% si cumples condiciones\u201d.<\/li><\/ul><p>Y entonces llega la duda clave: \u00bfqu\u00e9 n\u00famero tengo que mirar para comparar bien?<\/p><p>En FIKA siempre lo decimos igual: <strong>primero entendemos qu\u00e9 significa cada cifra y despu\u00e9s comparamos con criterio. <span style=\"text-decoration: underline;\">Vamos paso a paso.<\/span><\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-db5571a e-con-full e-flex e-con e-child\" data-id=\"db5571a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cba5a2b elementor-widget elementor-widget-the7-heading\" data-id=\"cba5a2b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"the7-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"the7-heading-title elementor-size-default\">List of lorem ipsum dolor<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-38651a5 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"38651a5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"56\" height=\"56\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M232.49,80.49l-128,128a12,12,0,0,1-17,0l-56-56a12,12,0,1,1,17-17L96,183,215.51,63.51a12,12,0,0,1,17,17Z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Vestibulum et ultrices posuere cubilia<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"56\" height=\"56\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M232.49,80.49l-128,128a12,12,0,0,1-17,0l-56-56a12,12,0,1,1,17-17L96,183,215.51,63.51a12,12,0,0,1,17,17Z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Ipsum acinia tempor orci dolor amet glavrida<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"56\" height=\"56\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M232.49,80.49l-128,128a12,12,0,0,1-17,0l-56-56a12,12,0,1,1,17-17L96,183,215.51,63.51a12,12,0,0,1,17,17Z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">100% dolor lacinia tempor orci dolor amet<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"56\" height=\"56\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M232.49,80.49l-128,128a12,12,0,0,1-17,0l-56-56a12,12,0,1,1,17-17L96,183,215.51,63.51a12,12,0,0,1,17,17Z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">+250 dolor laciniarci glavrida amet glavrida ipsum<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"56\" height=\"56\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M232.49,80.49l-128,128a12,12,0,0,1-17,0l-56-56a12,12,0,1,1,17-17L96,183,215.51,63.51a12,12,0,0,1,17,17Z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Lorem for ultrices posuere cubilia<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d833b5 content-align-left the7-hover-visibility-disabled preserve-img-ratio-cover transform-overlay-yes exceeding-frame-yes elementor-widget elementor-widget-the7-image-widget\" data-id=\"5d833b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;hover_visibility&quot;:&quot;disabled&quot;}\" data-widget_type=\"the7-image-widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"the7-image-container\"><div class=\"the7-image-wrapper the7-elementor-widget the7-transform-container\"><div class=\"post-thumbnail-rollover layzr-bg img-css-resize-wrapper\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1800\" height=\"900\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D&#039;http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg&#039;%20viewBox%3D&#039;0%200%201800%20900&#039;%2F%3E\" class=\"attachment-full size-full preload-me aspect lazy lazy-load\" alt=\"\" sizes=\"(max-width: 1800px) 100vw, 1800px\" style=\"--ratio: 1800 \/ 900;\" data-src=\"https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-2x1-normal-z64565.jpg\" loading=\"eager\" data-srcset=\"https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-2x1-normal-z64565.jpg 1800w, https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-2x1-normal-z64565-300x150.jpg 300w, https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-2x1-normal-z64565-1024x512.jpg 1024w, https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-2x1-normal-z64565-768x384.jpg 768w, https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-2x1-normal-z64565-1536x768.jpg 1536w, https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-2x1-normal-z64565-1000x500.jpg 1000w\" \/><\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b7b8f5a e-con-full e-flex e-con e-child\" data-id=\"b7b8f5a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5deccb6 elementor-widget elementor-widget-the7-heading\" data-id=\"5deccb6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"the7-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"the7-heading-title elementor-size-default\">Qu\u00e9 es el TIN en una hipoteca\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1b5b39e elementor-widget elementor-widget-text-editor\" data-id=\"1b5b39e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>El TIN (Tipo de Inter\u00e9s Nominal) es, por decirlo simple, el \u201cprecio base\u201d del dinero que te presta el banco. Es el inter\u00e9s que se aplica al capital pendiente, sin incluir comisiones ni otros gastos asociados.<\/p><p>El problema es que dos hipotecas con el mismo TIN pueden tener costes muy distintos si una tiene comisi\u00f3n de apertura, seguros m\u00e1s caros o vinculaciones obligatorias.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-78ef407 e-con-full e-flex e-con e-child\" data-id=\"78ef407\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c316154 elementor-widget elementor-widget-text-editor\" data-id=\"c316154\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>La CNMV tambi\u00e9n destaca que la TAE permite establecer comparaciones entre productos con diferentes plazos y condiciones contractuales.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fa5e3a8 elementor-align-left elementor-widget elementor-widget-the7_icon_widget\" data-id=\"fa5e3a8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"the7_icon_widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"the7-icon-wrapper the7-elementor-widget\"><div class=\"elementor-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"56\" height=\"56\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M140,180a12,12,0,1,1-12-12A12,12,0,0,1,140,180ZM128,72c-22.06,0-40,16.15-40,36v4a8,8,0,0,0,16,0v-4c0-11,10.77-20,24-20s24,9,24,20-10.77,20-24,20a8,8,0,0,0-8,8v8a8,8,0,0,0,16,0v-.72c18.24-3.35,32-17.9,32-35.28C168,88.15,150.06,72,128,72Zm104,56A104,104,0,1,1,128,24,104.11,104.11,0,0,1,232,128Zm-16,0a88,88,0,1,0-88,88A88.1,88.1,0,0,0,216,128Z\"><\/path><\/svg><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-99264d4 e-con-full e-flex e-con e-child\" data-id=\"99264d4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-91dc55e elementor-widget elementor-widget-the7-heading\" data-id=\"91dc55e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"the7-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"the7-heading-title elementor-size-default\">Qu\u00e9 es la TAE y por qu\u00e9 existe<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-671a44d elementor-widget elementor-widget-text-editor\" data-id=\"671a44d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>La TAE (Tasa Anual Equivalente) es un tipo de inter\u00e9s te\u00f3rico anual pensado para que puedas comparar productos con condiciones diferentes. El Banco de Espa\u00f1a la define como un tipo que indica el coste o rendimiento efectivo de un producto financiero, y explica que se calcula con una f\u00f3rmula normalizada que tiene en cuenta el tipo nominal, la frecuencia de pagos, comisiones y algunos gastos de la operaci\u00f3n.<\/p><p>La CNMV tambi\u00e9n destaca que la TAE permite establecer comparaciones entre productos con diferentes plazos y condiciones contractuales.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5badb95 content-align-left the7-hover-visibility-disabled preserve-img-ratio-cover transform-overlay-yes exceeding-frame-yes elementor-widget elementor-widget-the7-image-widget\" data-id=\"5badb95\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;hover_visibility&quot;:&quot;disabled&quot;}\" data-widget_type=\"the7-image-widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"the7-image-container\"><div class=\"the7-image-wrapper the7-elementor-widget the7-transform-container\"><div class=\"post-thumbnail-rollover layzr-bg img-css-resize-wrapper\"><img decoding=\"async\" width=\"1800\" height=\"1350\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D&#039;http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg&#039;%20viewBox%3D&#039;0%200%201800%201350&#039;%2F%3E\" class=\"attachment-full size-full preload-me aspect lazy lazy-load\" alt=\"\" sizes=\"(max-width: 1800px) 100vw, 1800px\" style=\"--ratio: 1800 \/ 1350;\" data-src=\"https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-4x3-normal-z2264.jpg\" loading=\"eager\" data-srcset=\"https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-4x3-normal-z2264.jpg 1800w, https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-4x3-normal-z2264-300x225.jpg 300w, https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-4x3-normal-z2264-1024x768.jpg 1024w, https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-4x3-normal-z2264-768x576.jpg 768w, https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-4x3-normal-z2264-1536x1152.jpg 1536w, https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-4x3-normal-z2264-1000x750.jpg 1000w\" \/><\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d06f2dd e-con-full e-flex e-con e-child\" data-id=\"d06f2dd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ba707c6 elementor-widget elementor-widget-the7-heading\" data-id=\"ba707c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"the7-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"the7-heading-title elementor-size-default\">Entonces, \u00bfqu\u00e9 es m\u00e1s importante: TIN o TAE?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0ce0eec elementor-widget elementor-widget-text-editor\" data-id=\"0ce0eec\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Para comparar ofertas, normalmente la TAE es el punto de partida m\u00e1s \u00fatil, porque intenta recoger el coste \u201creal\u201d anual de la financiaci\u00f3n. De hecho, el Banco de Espa\u00f1a se\u00f1ala que, antes de contratar un pr\u00e9stamo, conviene fijarse en la TAE para poder comparar distintas ofertas.<\/p><p>Pero ojo: la TAE no lo incluye absolutamente todo. Por eso, en FIKA la usamos como base, y luego revisamos el \u201cdetalle fino\u201d que puede cambiar mucho el coste final.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a1c64a2 e-con-full e-flex e-con e-child\" data-id=\"a1c64a2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e603e49 elementor-widget elementor-widget-text-editor\" data-id=\"e603e49\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Por eso es importante comparar hipotecas \u201ca igualdad de condiciones\u201d y, si hay variables (bonificaciones, seguros, tipo variable), simular escenarios.<strong> Y eso es lo que hacemos en FIKA.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-49e07c1 elementor-align-left elementor-widget elementor-widget-the7_icon_widget\" data-id=\"49e07c1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"the7_icon_widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"the7-icon-wrapper the7-elementor-widget\"><div class=\"elementor-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"56\" height=\"56\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M128,24A104,104,0,1,0,232,128,104.11,104.11,0,0,0,128,24Zm0,192a88,88,0,1,1,88-88A88.1,88.1,0,0,1,128,216Zm16-40a8,8,0,0,1-8,8,16,16,0,0,1-16-16V128a8,8,0,0,1,0-16,16,16,0,0,1,16,16v40A8,8,0,0,1,144,176ZM112,84a12,12,0,1,1,12,12A12,12,0,0,1,112,84Z\"><\/path><\/svg><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-31d9fd3 e-con-full e-flex e-con e-child\" data-id=\"31d9fd3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b4590d9 elementor-widget elementor-widget-the7-heading\" data-id=\"b4590d9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"the7-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"the7-heading-title elementor-size-default\">Qu\u00e9 suele incluir la TAE y qu\u00e9 se queda fuera<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3963c37 elementor-widget elementor-widget-text-editor\" data-id=\"3963c37\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h3>Suele incluir (seg\u00fan producto y condiciones):<\/h3><ul><li>Intereses (a partir del TIN).<\/li><li>Comisiones bancarias (por ejemplo, apertura, si aplica).<\/li><li>Frecuencia de pago (mensual, trimestral, etc.).<\/li><li>Algunos gastos asociados al pr\u00e9stamo, especialmente si son obligatorios o peri\u00f3dicos.<\/li><\/ul><h3>Puede quedarse fuera o no reflejarse de forma completa:<\/h3><ul><li>Impuestos y gastos de compraventa (ITP\/IVA+AJD, notar\u00eda, registro).<\/li><li>Gastos que no sean exigidos por el banco o que dependan de tu uso (por ejemplo, costes por uso de tarjeta).<\/li><li>El coste \u201creal\u201d futuro de una hipoteca variable si el \u00edndice cambia.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0cf76d0 content-align-left the7-hover-visibility-disabled preserve-img-ratio-cover transform-overlay-yes exceeding-frame-yes elementor-widget elementor-widget-the7-image-widget\" data-id=\"0cf76d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;hover_visibility&quot;:&quot;disabled&quot;}\" data-widget_type=\"the7-image-widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"the7-image-container\"><div class=\"the7-image-wrapper the7-elementor-widget the7-transform-container\"><div class=\"post-thumbnail-rollover layzr-bg img-css-resize-wrapper\"><img decoding=\"async\" width=\"1800\" height=\"900\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D&#039;http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg&#039;%20viewBox%3D&#039;0%200%201800%20900&#039;%2F%3E\" class=\"attachment-full size-full preload-me aspect lazy lazy-load\" alt=\"\" sizes=\"(max-width: 1800px) 100vw, 1800px\" style=\"--ratio: 1800 \/ 900;\" data-src=\"https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-2x1-normal-z44667.jpg\" loading=\"eager\" data-srcset=\"https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-2x1-normal-z44667.jpg 1800w, https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-2x1-normal-z44667-300x150.jpg 300w, https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-2x1-normal-z44667-1024x512.jpg 1024w, https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-2x1-normal-z44667-768x384.jpg 768w, https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-2x1-normal-z44667-1536x768.jpg 1536w, https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-2x1-normal-z44667-1000x500.jpg 1000w\" \/><\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fbbb219 e-con-full e-flex e-con e-child\" data-id=\"fbbb219\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a456e2a elementor-widget elementor-widget-the7-heading\" data-id=\"a456e2a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"the7-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"the7-heading-title elementor-size-default\">Un matiz importante: \u201cTAE variable\u201d en hipotecas a tipo variable<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f153895 elementor-widget elementor-widget-text-editor\" data-id=\"f153895\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>En hipotecas variables es habitual ver \u201cTAE variable\u201d.<\/p><p>Suele calcularse bajo el supuesto de que el tipo de inter\u00e9s y los gastos se mantienen como en el momento del c\u00e1lculo, aunque luego tu cuota pueda cambiar cuando se revise el \u00edndice (por ejemplo, el Eur\u00edbor, el m\u00e1s utilizado en Espa\u00f1a en hipotecas).<\/p><p><strong>Por eso sirve para comparar hoy, pero no es una promesa de lo que pagar\u00e1s dentro de 5 o 10 a\u00f1os.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dc7828b e-con-full e-grid e-con e-child\" data-id=\"dc7828b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-ca1cf7d e-con-full e-flex e-con e-child\" data-id=\"ca1cf7d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b7a28b4 content-align-left the7-hover-visibility-disabled transform-overlay-yes exceeding-frame-yes elementor-widget elementor-widget-the7-image-widget\" data-id=\"b7a28b4\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;hover_visibility&quot;:&quot;disabled&quot;}\" data-widget_type=\"the7-image-widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"the7-image-container\"><div class=\"the7-image-wrapper the7-elementor-widget the7-transform-container\"><a class=\"post-thumbnail-rollover layzr-bg img-css-resize-wrapper\" href=\"https:\/\/earnest-orange-lynx.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-3x2-x4454.jpg\" data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-title=\"landsc-3x2-x4454\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6Mzc5MDYsInVybCI6Imh0dHBzOlwvXC9oYXJkd29ya2luZy15ZWxsb3ctdGlnZXIuMTc4LTIxMS0xMzMtNTcuY3BhbmVsLnNpdGVcL3dwLWNvbnRlbnRcL3VwbG9hZHNcLzIwMjRcLzA2XC9sYW5kc2MtM3gyLXg0NDU0LmpwZyJ9\"><img decoding=\"async\" width=\"1800\" height=\"1200\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D&#039;http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg&#039;%20viewBox%3D&#039;0%200%201800%201200&#039;%2F%3E\" class=\"attachment-full size-full preload-me aspect lazy lazy-load\" alt=\"\" sizes=\"(max-width: 1800px) 100vw, 1800px\" style=\"--ratio: 1800 \/ 1200;\" data-src=\"https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-3x2-x4454.jpg\" loading=\"eager\" data-srcset=\"https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-3x2-x4454.jpg 1800w, https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-3x2-x4454-300x200.jpg 300w, https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-3x2-x4454-1024x683.jpg 1024w, https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-3x2-x4454-768x512.jpg 768w, https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-3x2-x4454-1536x1024.jpg 1536w, https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-3x2-x4454-1000x667.jpg 1000w\" \/><\/a><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b9ec82 elementor-widget__width-initial elementor-widget elementor-widget-the7-heading\" data-id=\"6b9ec82\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"the7-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"the7-heading-title elementor-size-default\">Phasellus velit venenatis finibus<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-39a9fbc e-con-full e-flex e-con e-child\" data-id=\"39a9fbc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b56985c content-align-left the7-hover-visibility-disabled transform-overlay-yes exceeding-frame-yes elementor-widget elementor-widget-the7-image-widget\" data-id=\"b56985c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;hover_visibility&quot;:&quot;disabled&quot;}\" data-widget_type=\"the7-image-widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"the7-image-container\"><div class=\"the7-image-wrapper the7-elementor-widget the7-transform-container\"><a class=\"post-thumbnail-rollover layzr-bg img-css-resize-wrapper\" href=\"https:\/\/earnest-orange-lynx.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-3x2-x3689.jpg\" data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-title=\"landsc-3x2-x3689\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6Mzc5MDUsInVybCI6Imh0dHBzOlwvXC9oYXJkd29ya2luZy15ZWxsb3ctdGlnZXIuMTc4LTIxMS0xMzMtNTcuY3BhbmVsLnNpdGVcL3dwLWNvbnRlbnRcL3VwbG9hZHNcLzIwMjRcLzA2XC9sYW5kc2MtM3gyLXgzNjg5LmpwZyJ9\"><img decoding=\"async\" width=\"1800\" height=\"1200\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D&#039;http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg&#039;%20viewBox%3D&#039;0%200%201800%201200&#039;%2F%3E\" class=\"attachment-full size-full preload-me aspect lazy lazy-load\" alt=\"\" sizes=\"(max-width: 1800px) 100vw, 1800px\" style=\"--ratio: 1800 \/ 1200;\" data-src=\"https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-3x2-x3689.jpg\" loading=\"eager\" data-srcset=\"https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-3x2-x3689.jpg 1800w, https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-3x2-x3689-300x200.jpg 300w, https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-3x2-x3689-1024x683.jpg 1024w, https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-3x2-x3689-768x512.jpg 768w, https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-3x2-x3689-1536x1024.jpg 1536w, https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-3x2-x3689-1000x667.jpg 1000w\" \/><\/a><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-204a935 elementor-widget__width-initial elementor-widget elementor-widget-the7-heading\" data-id=\"204a935\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"the7-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"the7-heading-title elementor-size-default\">Phasellus velit venenatis finibus velit<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-73dbb9c e-con-full e-flex e-con e-child\" data-id=\"73dbb9c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-146dea8 content-align-left the7-hover-visibility-disabled transform-overlay-yes exceeding-frame-yes elementor-widget elementor-widget-the7-image-widget\" data-id=\"146dea8\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;hover_visibility&quot;:&quot;disabled&quot;}\" data-widget_type=\"the7-image-widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"the7-image-container\"><div class=\"the7-image-wrapper the7-elementor-widget the7-transform-container\"><a class=\"post-thumbnail-rollover layzr-bg img-css-resize-wrapper\" href=\"https:\/\/earnest-orange-lynx.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-3x2-x35647.jpg\" data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-title=\"landsc-3x2-x35647\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6Mzc5MDQsInVybCI6Imh0dHBzOlwvXC9oYXJkd29ya2luZy15ZWxsb3ctdGlnZXIuMTc4LTIxMS0xMzMtNTcuY3BhbmVsLnNpdGVcL3dwLWNvbnRlbnRcL3VwbG9hZHNcLzIwMjRcLzA2XC9sYW5kc2MtM3gyLXgzNTY0Ny5qcGcifQ%3D%3D\"><img decoding=\"async\" width=\"1800\" height=\"1200\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D&#039;http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg&#039;%20viewBox%3D&#039;0%200%201800%201200&#039;%2F%3E\" class=\"attachment-full size-full preload-me aspect lazy lazy-load\" alt=\"\" sizes=\"(max-width: 1800px) 100vw, 1800px\" style=\"--ratio: 1800 \/ 1200;\" data-src=\"https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-3x2-x35647.jpg\" loading=\"eager\" data-srcset=\"https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-3x2-x35647.jpg 1800w, https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-3x2-x35647-300x200.jpg 300w, https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-3x2-x35647-1024x683.jpg 1024w, https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-3x2-x35647-768x512.jpg 768w, https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-3x2-x35647-1536x1024.jpg 1536w, https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-3x2-x35647-1000x667.jpg 1000w\" \/><\/a><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-037a76c elementor-widget__width-initial elementor-widget elementor-widget-the7-heading\" data-id=\"037a76c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"the7-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"the7-heading-title elementor-size-default\">Morbi nec accumsan sem dolor<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fecc55d e-con-full e-flex e-con e-child\" data-id=\"fecc55d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ac207ca content-align-left the7-hover-visibility-disabled transform-overlay-yes exceeding-frame-yes elementor-widget elementor-widget-the7-image-widget\" data-id=\"ac207ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;hover_visibility&quot;:&quot;disabled&quot;}\" data-widget_type=\"the7-image-widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"the7-image-container\"><div class=\"the7-image-wrapper the7-elementor-widget the7-transform-container\"><a class=\"post-thumbnail-rollover layzr-bg img-css-resize-wrapper\" href=\"https:\/\/earnest-orange-lynx.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-3x2-x3562.jpg\" data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-title=\"landsc-3x2-x3562\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6Mzc5MDMsInVybCI6Imh0dHBzOlwvXC9oYXJkd29ya2luZy15ZWxsb3ctdGlnZXIuMTc4LTIxMS0xMzMtNTcuY3BhbmVsLnNpdGVcL3dwLWNvbnRlbnRcL3VwbG9hZHNcLzIwMjRcLzA2XC9sYW5kc2MtM3gyLXgzNTYyLmpwZyJ9\"><img decoding=\"async\" width=\"1800\" height=\"1200\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D&#039;http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg&#039;%20viewBox%3D&#039;0%200%201800%201200&#039;%2F%3E\" class=\"attachment-full size-full preload-me aspect lazy lazy-load\" alt=\"\" sizes=\"(max-width: 1800px) 100vw, 1800px\" style=\"--ratio: 1800 \/ 1200;\" data-src=\"https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-3x2-x3562.jpg\" loading=\"eager\" data-srcset=\"https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-3x2-x3562.jpg 1800w, https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-3x2-x3562-300x200.jpg 300w, https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-3x2-x3562-1024x683.jpg 1024w, https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-3x2-x3562-768x512.jpg 768w, https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-3x2-x3562-1536x1024.jpg 1536w, https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-3x2-x3562-1000x667.jpg 1000w\" \/><\/a><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9dc0679 elementor-widget__width-initial elementor-widget elementor-widget-the7-heading\" data-id=\"9dc0679\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"the7-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"the7-heading-title elementor-size-default\">Pellentesque et quam vel<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8a81b37 e-con-full e-flex e-con e-child\" data-id=\"8a81b37\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-584fa49 content-align-left the7-hover-visibility-disabled transform-overlay-yes exceeding-frame-yes elementor-widget elementor-widget-the7-image-widget\" data-id=\"584fa49\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;hover_visibility&quot;:&quot;disabled&quot;}\" data-widget_type=\"the7-image-widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"the7-image-container\"><div class=\"the7-image-wrapper the7-elementor-widget the7-transform-container\"><a class=\"post-thumbnail-rollover layzr-bg img-css-resize-wrapper\" href=\"https:\/\/earnest-orange-lynx.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-3x2-x3556.jpg\" data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-title=\"landsc-3x2-x3556\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6Mzc5MDIsInVybCI6Imh0dHBzOlwvXC9oYXJkd29ya2luZy15ZWxsb3ctdGlnZXIuMTc4LTIxMS0xMzMtNTcuY3BhbmVsLnNpdGVcL3dwLWNvbnRlbnRcL3VwbG9hZHNcLzIwMjRcLzA2XC9sYW5kc2MtM3gyLXgzNTU2LmpwZyJ9\"><img decoding=\"async\" width=\"1800\" height=\"1200\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D&#039;http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg&#039;%20viewBox%3D&#039;0%200%201800%201200&#039;%2F%3E\" class=\"attachment-full size-full preload-me aspect lazy lazy-load\" alt=\"\" sizes=\"(max-width: 1800px) 100vw, 1800px\" style=\"--ratio: 1800 \/ 1200;\" data-src=\"https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-3x2-x3556.jpg\" loading=\"eager\" data-srcset=\"https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-3x2-x3556.jpg 1800w, https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-3x2-x3556-300x200.jpg 300w, https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-3x2-x3556-1024x683.jpg 1024w, https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-3x2-x3556-768x512.jpg 768w, https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-3x2-x3556-1536x1024.jpg 1536w, https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-3x2-x3556-1000x667.jpg 1000w\" \/><\/a><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5db7271 elementor-widget__width-initial elementor-widget elementor-widget-the7-heading\" data-id=\"5db7271\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"the7-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"the7-heading-title elementor-size-default\">Pellentesque et quam nisi sagittis vel ante<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-80759d0 e-con-full e-flex e-con e-child\" data-id=\"80759d0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-072017b content-align-left the7-hover-visibility-disabled transform-overlay-yes exceeding-frame-yes elementor-widget elementor-widget-the7-image-widget\" data-id=\"072017b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;hover_visibility&quot;:&quot;disabled&quot;}\" data-widget_type=\"the7-image-widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"the7-image-container\"><div class=\"the7-image-wrapper the7-elementor-widget the7-transform-container\"><a class=\"post-thumbnail-rollover layzr-bg img-css-resize-wrapper\" href=\"https:\/\/earnest-orange-lynx.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-3x2-x47889.jpg\" data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-title=\"landsc-3x2-x47889\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6Mzc5MDEsInVybCI6Imh0dHBzOlwvXC9oYXJkd29ya2luZy15ZWxsb3ctdGlnZXIuMTc4LTIxMS0xMzMtNTcuY3BhbmVsLnNpdGVcL3dwLWNvbnRlbnRcL3VwbG9hZHNcLzIwMjRcLzA2XC9sYW5kc2MtM3gyLXg0Nzg4OS5qcGcifQ%3D%3D\"><img decoding=\"async\" width=\"1800\" height=\"1200\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D&#039;http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg&#039;%20viewBox%3D&#039;0%200%201800%201200&#039;%2F%3E\" class=\"attachment-full size-full preload-me aspect lazy lazy-load\" alt=\"\" sizes=\"(max-width: 1800px) 100vw, 1800px\" style=\"--ratio: 1800 \/ 1200;\" data-src=\"https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-3x2-x47889.jpg\" loading=\"eager\" data-srcset=\"https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-3x2-x47889.jpg 1800w, https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-3x2-x47889-300x200.jpg 300w, https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-3x2-x47889-1024x683.jpg 1024w, https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-3x2-x47889-768x512.jpg 768w, https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-3x2-x47889-1536x1024.jpg 1536w, https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2024\/06\/landsc-3x2-x47889-1000x667.jpg 1000w\" \/><\/a><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4857919 elementor-widget__width-initial elementor-widget elementor-widget-the7-heading\" data-id=\"4857919\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"the7-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"the7-heading-title elementor-size-default\">Pellentesque sagittis vel ante<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d950d11 e-con-full e-flex e-con e-child\" data-id=\"d950d11\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b6d63f3 elementor-widget elementor-widget-text-editor\" data-id=\"b6d63f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2><span lang=\"EN-US\">Ejemplo pr\u00e1ctico: dos ofertas con TIN parecido, pero coste distinto<\/span><\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8be90fc elementor-align-left elementor-widget elementor-widget-the7_icon_widget\" data-id=\"8be90fc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"the7_icon_widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"the7-icon-wrapper the7-elementor-widget\"><div class=\"elementor-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"56\" height=\"56\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M128,24A104,104,0,1,0,232,128,104.11,104.11,0,0,0,128,24Zm0,192a88,88,0,1,1,88-88A88.1,88.1,0,0,1,128,216Zm-8-80V80a8,8,0,0,1,16,0v56a8,8,0,0,1-16,0Zm20,36a12,12,0,1,1-12-12A12,12,0,0,1,140,172Z\"><\/path><\/svg><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2818d26 e-flex e-con-boxed e-con e-parent\" data-id=\"2818d26\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-38138ff elementor-widget elementor-widget-text-editor\" data-id=\"38138ff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<table><tbody><tr><td width=\"189\"><p><strong>Concepto<\/strong><\/p><\/td><td width=\"208\"><p><strong>Oferta A<\/strong><\/p><\/td><td width=\"208\"><p><strong>Oferta B<\/strong><\/p><\/td><\/tr><tr><td width=\"189\"><p>TIN<\/p><\/td><td width=\"208\"><p>2,60%<\/p><\/td><td width=\"208\"><p>2,75%<\/p><\/td><\/tr><tr><td width=\"189\"><p>Comisi\u00f3n de apertura<\/p><\/td><td width=\"208\"><p>0,50% (1.000 \u20ac)<\/p><\/td><td width=\"208\"><p>0%<\/p><\/td><\/tr><tr><td width=\"189\"><p>Vinculaci\u00f3n para bonificar<\/p><\/td><td width=\"208\"><p>N\u00f3mina + seguros<\/p><\/td><td width=\"208\"><p>N\u00f3mina (sin obligaci\u00f3n de seguro)<\/p><\/td><\/tr><tr><td width=\"189\"><p>Coste anual estimado de seguros<\/p><\/td><td width=\"208\"><p>600 \u20ac\/a\u00f1o<\/p><\/td><td width=\"208\"><p>250 \u20ac\/a\u00f1o<\/p><\/td><\/tr><tr><td width=\"189\"><p>TAE publicada (ejemplo)<\/p><\/td><td width=\"208\"><p>3,10% TAE (bonificada)<\/p><\/td><td width=\"208\"><p>2,98% TAE<\/p><\/td><\/tr><\/tbody><\/table>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fe4cac1 e-flex e-con-boxed e-con e-parent\" data-id=\"fe4cac1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4e1d2b9 elementor-widget elementor-widget-text-editor\" data-id=\"4e1d2b9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>\u00bfQu\u00e9 nos ense\u00f1a esto? Que un TIN m\u00e1s bajo no garantiza una hipoteca m\u00e1s barata si el \u201cpack\u201d de comisiones y vinculaciones es m\u00e1s caro.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0dd85ae e-con-full e-flex e-con e-child\" data-id=\"0dd85ae\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b566cb0 elementor-widget elementor-widget-the7-heading\" data-id=\"b566cb0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"the7-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"the7-heading-title elementor-size-default\">C\u00f3mo comparar hipotecas sin equivocarte: checklist FIKA<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cbbe766 elementor-widget elementor-widget-text-editor\" data-id=\"cbbe766\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Cuando comparamos ofertas, seguimos este orden:<\/strong><\/p><ol><li style=\"list-style-type: none;\"><ol><li>Asegura que comparas el mismo importe y plazo (si cambias el plazo, la TAE cambia).<\/li><li>Pide la TAE \u201cbonificada\u201d y la TAE \u201csin bonificar\u201d (y qu\u00e9 condiciones exige cada una).<\/li><li>Revisa qu\u00e9 productos son realmente obligatorios y cu\u00e1les son opcionales.<\/li><li>Suma el coste real de los seguros (vida, hogar) durante los primeros a\u00f1os y en el largo plazo.<\/li><li>Mira comisiones: apertura, amortizaci\u00f3n anticipada, subrogaci\u00f3n\/novaci\u00f3n, etc.<\/li><li>Comprueba si hay obligaci\u00f3n de mantener productos vinculados un tiempo m\u00ednimo.<\/li><li>Si es variable o mixta, simula subidas y bajadas del \u00edndice para ver tu cuota en escenarios.<\/li><li>Valora flexibilidad: amortizar, vender, cambiar de banco\u2026 (esto afecta a tu estrategia).<\/li><\/ol><\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3c4d1b1 e-con-full e-flex e-con e-child\" data-id=\"3c4d1b1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ba945b5 elementor-widget elementor-widget-the7-heading\" data-id=\"ba945b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"the7-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"the7-heading-title elementor-size-default\">Errores t\u00edpicos al comparar hipotecas<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e4717f elementor-widget elementor-widget-text-editor\" data-id=\"7e4717f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li>Comparar TAEs con plazos distintos: no es una comparaci\u00f3n justa.<\/li><li>Quedarse solo con la \u201cTAE bonificada\u201d sin calcular el coste real de cumplir las condiciones.<\/li><li>No preguntar qu\u00e9 pasa si un a\u00f1o no cumples la bonificaci\u00f3n (por ejemplo, ingresos, recibos, tarjeta).<\/li><li>En variable\/mixta, asumir que la TAE de hoy ser\u00e1 tu coste futuro.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9f4d744 e-flex e-con-boxed e-con e-parent\" data-id=\"9f4d744\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-51be5ba e-con-full e-flex e-con e-child\" data-id=\"51be5ba\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-63cf6f2 elementor-widget elementor-widget-text-editor\" data-id=\"63cf6f2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2><span lang=\"EN-US\">Preguntas frecuentes sobre TIN y TAE<\/span><\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-360de74 elementor-align-left elementor-widget elementor-widget-the7_icon_widget\" data-id=\"360de74\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"the7_icon_widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"the7-icon-wrapper the7-elementor-widget\"><div class=\"elementor-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"56\" height=\"56\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M128,24A104,104,0,1,0,232,128,104.11,104.11,0,0,0,128,24Zm0,192a88,88,0,1,1,88-88A88.1,88.1,0,0,1,128,216Zm-8-80V80a8,8,0,0,1,16,0v56a8,8,0,0,1-16,0Zm20,36a12,12,0,1,1-12-12A12,12,0,0,1,140,172Z\"><\/path><\/svg><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f1fa5d2 elementor-widget elementor-widget-n-accordion\" data-id=\"f1fa5d2\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2530\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-2530\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> \u00bfEs mejor una hipoteca con TAE m\u00e1s baja? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2530\" class=\"elementor-element elementor-element-ca8c01b e-con-full e-flex e-con e-child\" data-id=\"ca8c01b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2530\" class=\"elementor-element elementor-element-fc00ac2 e-flex e-con-boxed e-con e-child\" data-id=\"fc00ac2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d225a66 elementor-widget elementor-widget-text-editor\" data-id=\"d225a66\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>En general, una TAE m\u00e1s baja suele indicar menor coste anual efectivo para un mismo importe y plazo, pero siempre hay que revisar qu\u00e9 incluye (comisiones, vinculaciones) y si est\u00e1s comparando condiciones equivalentes.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2531\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2531\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> \u00bfPor qu\u00e9 la TAE suele ser m\u00e1s alta que el TIN? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2531\" class=\"elementor-element elementor-element-7ca83f6 e-con-full e-flex e-con e-child\" data-id=\"7ca83f6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2531\" class=\"elementor-element elementor-element-68e4c14 e-flex e-con-boxed e-con e-child\" data-id=\"68e4c14\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-81c8f5f elementor-widget elementor-widget-text-editor\" data-id=\"81c8f5f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Porque la TAE incorpora comisiones y algunos gastos y refleja el efecto de la frecuencia de pago. Por eso, normalmente, es una cifra m\u00e1s completa que el TIN.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2532\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2532\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> \u00bfEn hipoteca variable debo mirar la TAE? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2532\" class=\"elementor-element elementor-element-d4efafa e-con-full e-flex e-con e-child\" data-id=\"d4efafa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ae299e8 e-con-full e-flex e-con e-child\" data-id=\"ae299e8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-113b5ba elementor-widget elementor-widget-the7-heading\" data-id=\"113b5ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"the7-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"the7-heading-title elementor-size-default\">comparar bien es ahorrar dinero y ganar tranquilidad<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-52ea746 elementor-widget elementor-widget-text-editor\" data-id=\"52ea746\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Una hipoteca no se decide por una cifra bonita. Se decide entendiendo el conjunto: inter\u00e9s, comisiones, vinculaciones y flexibilidad.<\/p><p>En FIKA no te decimos lo que quieres o\u00edr. Te decimos lo que puedes hacer con datos y criterio, y te ayudamos a comparar ofertas con calma para elegir la que encaja con tu vida.<\/p><p><strong>\u00bfQuieres que revisemos tus ofertas y te hagamos una comparativa clara (bonificada vs sin bonificar, fija vs variable vs mixta)?<\/strong><\/p><p><strong> Escr\u00edbenos y lo miramos contigo.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Nulla at tempus mi, non euismod mi. Morbi gravida condime! Aenean quis mattis odio. Praesent condimentum metus a nisi vehicula, nec lobortis ut turpis et turpis luctus porttitor.<\/p>\n","protected":false},"author":1,"featured_media":38409,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[30],"tags":[32],"class_list":["post-288","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tips-tricks","tag-standard-post"],"_links":{"self":[{"href":"https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/index.php\/wp-json\/wp\/v2\/posts\/288","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/index.php\/wp-json\/wp\/v2\/comments?post=288"}],"version-history":[{"count":10,"href":"https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/index.php\/wp-json\/wp\/v2\/posts\/288\/revisions"}],"predecessor-version":[{"id":41115,"href":"https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/index.php\/wp-json\/wp\/v2\/posts\/288\/revisions\/41115"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/index.php\/wp-json\/wp\/v2\/media\/38409"}],"wp:attachment":[{"href":"https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/index.php\/wp-json\/wp\/v2\/media?parent=288"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/index.php\/wp-json\/wp\/v2\/categories?post=288"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/index.php\/wp-json\/wp\/v2\/tags?post=288"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}