{"id":40640,"date":"2024-04-14T11:50:25","date_gmt":"2024-04-14T11:50:25","guid":{"rendered":"https:\/\/earnest-orange-lynx.178-211-133-57.cpanel.site\/index.php\/2024\/04\/14\/post005-2\/"},"modified":"2026-03-03T10:13:50","modified_gmt":"2026-03-03T10:13:50","slug":"blog-cuanto-capital-me-concede-el-banco-hipoteca","status":"publish","type":"post","link":"https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/index.php\/2024\/04\/14\/blog-cuanto-capital-me-concede-el-banco-hipoteca\/","title":{"rendered":"\u00bfCu\u00e1nto capital me concede el banco? Ingresos, endeudamiento y criterios reales (2026)"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"40640\" class=\"elementor elementor-40640\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-edd7e5d e-con-full e-flex e-con e-parent\" data-id=\"edd7e5d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-e7ee08d e-con-full e-flex e-con e-child\" data-id=\"e7ee08d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-68e2d4c elementor-widget elementor-widget-the7-heading\" data-id=\"68e2d4c\" 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\">\u00bfCuanto dinero me va a dar el banco de hipoteca?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a1c8b45 elementor-widget elementor-widget-text-editor\" data-id=\"a1c8b45\" 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>Hay una pregunta que aparece siempre, incluso antes de elegir piso: <strong>\u00bfcu\u00e1nto me concede el banco?<\/strong><\/p><p>Y es normal. Porque la respuesta no es un n\u00famero exacto que salga de una calculadora. Es el resultado de c\u00f3mo encaja tu perfil (ingresos, deudas, ahorros) con los criterios de cada entidad.<\/p><p><strong>En FIKA lo explicamos as\u00ed: <\/strong>el banco no \u201cte concede lo que pides\u201d, te concede lo que puede justificar que podr\u00e1s devolver con seguridad.<\/p><p>Vamos a poner orden, con ejemplos y sin tecnicismos.<\/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-eb476bc e-con-full e-flex e-con e-child\" data-id=\"eb476bc\" 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-52b52a5 elementor-widget elementor-widget-text-editor\" data-id=\"52b52a5\" 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>las entidades no suelen conceder m\u00e1s del 80% del valor de tasaci\u00f3n<\/strong> de la vivienda<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-50fd05d elementor-align-left elementor-widget elementor-widget-the7_icon_widget\" data-id=\"50fd05d\" 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\t\t<div class=\"elementor-element elementor-element-ac1648c content-align-left the7-hover-visibility-disabled transform-overlay-yes exceeding-frame-yes elementor-widget elementor-widget-the7-image-widget\" data-id=\"ac1648c\" 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=\"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\/2025\/01\/landsc-3x2-m433.jpg\" loading=\"eager\" data-srcset=\"https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2025\/01\/landsc-3x2-m433.jpg 1800w, https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2025\/01\/landsc-3x2-m433-300x200.jpg 300w, https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2025\/01\/landsc-3x2-m433-1024x683.jpg 1024w, https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2025\/01\/landsc-3x2-m433-768x512.jpg 768w, https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2025\/01\/landsc-3x2-m433-1536x1024.jpg 1536w, https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2025\/01\/landsc-3x2-m433-1000x667.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-0d272b4 e-con-full e-flex e-con e-child\" data-id=\"0d272b4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fa4244a elementor-widget elementor-widget-the7-heading\" data-id=\"fa4244a\" 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\">Los 2 l\u00edmites que realmente mandan (y por eso a veces \u201cno salen los n\u00fameros\u201d)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0fb781f elementor-widget elementor-widget-text-editor\" data-id=\"0fb781f\" 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>Cuando un banco calcula tu hipoteca, normalmente aplica dos l\u00edmites principales:<\/p><ul><li>L\u00edmite por financiaci\u00f3n de la vivienda: cu\u00e1nto te presta sobre el valor del inmueble.<\/li><li>L\u00edmite por endeudamiento: cu\u00e1nto puedes pagar al mes seg\u00fan tus ingresos y deudas.<\/li><\/ul><p>Tu hipoteca m\u00e1xima suele ser <strong>el menor resultado<\/strong> entre esos dos l\u00edmites. Y ah\u00ed es donde mucha gente se lleva la sorpresa.<\/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-abc264a e-grid e-con-full e-con e-child\" data-id=\"abc264a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0090e49 content-align-left the7-hover-visibility-disabled transform-overlay-yes exceeding-frame-yes elementor-widget elementor-widget-the7-image-widget\" data-id=\"0090e49\" 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=\"1350\" height=\"1800\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D&#039;http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg&#039;%20viewBox%3D&#039;0%200%201350%201800&#039;%2F%3E\" class=\"attachment-full size-full preload-me aspect lazy lazy-load\" alt=\"\" sizes=\"(max-width: 1350px) 100vw, 1350px\" style=\"--ratio: 1350 \/ 1800;\" data-src=\"https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2025\/01\/port-4x3-m007.jpg\" loading=\"eager\" data-srcset=\"https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2025\/01\/port-4x3-m007.jpg 1350w, https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2025\/01\/port-4x3-m007-225x300.jpg 225w, https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2025\/01\/port-4x3-m007-768x1024.jpg 768w, https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2025\/01\/port-4x3-m007-1152x1536.jpg 1152w, https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2025\/01\/port-4x3-m007-1000x1333.jpg 1000w\" \/><\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e61deaf content-align-left the7-hover-visibility-disabled transform-overlay-yes exceeding-frame-yes elementor-widget elementor-widget-the7-image-widget\" data-id=\"e61deaf\" 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=\"1350\" height=\"1800\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D&#039;http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg&#039;%20viewBox%3D&#039;0%200%201350%201800&#039;%2F%3E\" class=\"attachment-full size-full preload-me aspect lazy lazy-load\" alt=\"\" sizes=\"(max-width: 1350px) 100vw, 1350px\" style=\"--ratio: 1350 \/ 1800;\" data-src=\"https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2025\/01\/port-4x3-m615.jpg\" loading=\"eager\" data-srcset=\"https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2025\/01\/port-4x3-m615.jpg 1350w, https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2025\/01\/port-4x3-m615-225x300.jpg 225w, https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2025\/01\/port-4x3-m615-768x1024.jpg 768w, https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2025\/01\/port-4x3-m615-1152x1536.jpg 1152w, https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2025\/01\/port-4x3-m615-1000x1333.jpg 1000w\" \/><\/div><\/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-42f2af4 e-con-full e-flex e-con e-child\" data-id=\"42f2af4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8c605d9 elementor-widget elementor-widget-the7-heading\" data-id=\"8c605d9\" 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\">1) L\u00edmite por financiaci\u00f3n: cu\u00e1nto te prestan sobre la vivienda<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9cf694a elementor-widget elementor-widget-text-editor\" data-id=\"9cf694a\" 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>Aunque cada entidad tiene su pol\u00edtica, el Banco de Espa\u00f1a recuerda que <strong>las entidades no suelen conceder m\u00e1s del 80% del valor de tasaci\u00f3n<\/strong> de la vivienda. Esto significa que, en la pr\u00e1ctica, necesitas ahorros para completar la compra y asumir los gastos.<\/p><p>\u00a0<\/p><p><strong>Ojo con un matiz muy t\u00edpico: <\/strong>la tasaci\u00f3n y el precio de compra no siempre coinciden. Si la tasaci\u00f3n sale m\u00e1s baja, el l\u00edmite de financiaci\u00f3n se reduce, aunque tu sueldo sea bueno.<\/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-a39d528 e-con-full e-flex e-con e-child\" data-id=\"a39d528\" 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-b577d97 elementor-widget elementor-widget-text-editor\" data-id=\"b577d97\" 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>Ejemplo (financiaci\u00f3n): <\/strong>Compras un piso por 250.000 \u20ac. La tasaci\u00f3n sale en 240.000 \u20ac. Si el banco financia el 80% de la tasaci\u00f3n, el m\u00e1ximo por este criterio ser\u00eda 192.000 \u20ac (0,80 x 240.000 \u20ac). El resto (precio no financiado + gastos) tendr\u00edas que cubrirlo con ahorros.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-874e5d2 elementor-align-left elementor-widget elementor-widget-the7_icon_widget\" data-id=\"874e5d2\" 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\t\t<div class=\"elementor-element elementor-element-21e666b content-align-left the7-hover-visibility-disabled transform-overlay-yes exceeding-frame-yes elementor-widget elementor-widget-the7-image-widget\" data-id=\"21e666b\" 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=\"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\/2025\/01\/landsc-3x2-m509.jpg\" loading=\"eager\" data-srcset=\"https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2025\/01\/landsc-3x2-m509.jpg 1800w, https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2025\/01\/landsc-3x2-m509-300x200.jpg 300w, https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2025\/01\/landsc-3x2-m509-1024x683.jpg 1024w, https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2025\/01\/landsc-3x2-m509-768x512.jpg 768w, https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2025\/01\/landsc-3x2-m509-1536x1024.jpg 1536w, https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/wp-content\/uploads\/2025\/01\/landsc-3x2-m509-1000x667.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-8f02b68 e-con-full e-flex e-con e-child\" data-id=\"8f02b68\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3d10f05 elementor-widget elementor-widget-the7-heading\" data-id=\"3d10f05\" 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\">2) L\u00edmite por endeudamiento: lo que puedes pagar al mes (sin ahogarte)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d74c249 elementor-widget elementor-widget-text-editor\" data-id=\"d74c249\" 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>Aqu\u00ed entra la famosa \u201cregla del esfuerzo\u201d. El Banco de Espa\u00f1a indica que, en general, <strong>las entidades estiman que la tasa de endeudamiento no debe superar el 30-35% de los ingresos<\/strong>. Y ojo: ese porcentaje incluye la hipoteca y cualquier otra deuda (coche, pr\u00e9stamos, tarjetas&#8230;).<\/p><p>Adem\u00e1s, las entidades pueden consultar tu informe de riesgos (CIRBE) para comprobar tus deudas. La CIRBE es una base de datos del Banco de Espa\u00f1a que recoge informaci\u00f3n de pr\u00e9stamos, cr\u00e9ditos, avales y garant\u00edas; <strong>no es un registro de morosos<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-16f9fde e-con-full e-flex e-con e-child\" data-id=\"16f9fde\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-39ab63a elementor-widget elementor-widget-the7-heading\" data-id=\"39ab63a\" 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 calcular tu \u201ccuota m\u00e1xima\u201d en 30 segundos<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-44b671c elementor-widget elementor-widget-text-editor\" data-id=\"44b671c\" 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>F\u00f3rmula orientativa (muy \u00fatil para una primera estimaci\u00f3n):<\/p><ul><li>Cuota m\u00e1xima total de deudas \u2248 Ingresos netos mensuales x 0,30 a 0,35<\/li><li>Cuota m\u00e1xima de hipoteca \u2248 (Cuota m\u00e1xima total) &#8211; (cuotas de otros pr\u00e9stamos)<\/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<div class=\"elementor-element elementor-element-5cf3eea e-con-full e-flex e-con e-child\" data-id=\"5cf3eea\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-387a9b7 e-con-full e-flex e-con e-child\" data-id=\"387a9b7\" 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-49a3215 elementor-widget elementor-widget-text-editor\" data-id=\"49a3215\" 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=\"130\"><p><strong>Ingresos netos\/mes<\/strong><\/p><\/td><td width=\"130\"><p><strong>35% (m\u00e1x. deudas)<\/strong><\/p><\/td><td width=\"130\"><p><strong>Cuota coche (ej.)<\/strong><\/p><\/td><td width=\"130\"><p><strong>Otras deudas (ej.)<\/strong><\/p><\/td><td width=\"130\"><p><strong>M\u00e1x. hipoteca aprox.<\/strong><\/p><\/td><\/tr><tr><td width=\"130\"><p>2.000 \u20ac<\/p><\/td><td width=\"130\"><p>700 \u20ac<\/p><\/td><td width=\"130\"><p>250 \u20ac<\/p><\/td><td width=\"130\"><p>0 \u20ac<\/p><\/td><td width=\"130\"><p>450 \u20ac<\/p><\/td><\/tr><tr><td width=\"130\"><p>2.500 \u20ac<\/p><\/td><td width=\"130\"><p>875 \u20ac<\/p><\/td><td width=\"130\"><p>250 \u20ac<\/p><\/td><td width=\"130\"><p>50 \u20ac<\/p><\/td><td width=\"130\"><p>575 \u20ac<\/p><\/td><\/tr><tr><td width=\"130\"><p>3.000 \u20ac<\/p><\/td><td width=\"130\"><p>1.050 \u20ac<\/p><\/td><td width=\"130\"><p>250 \u20ac<\/p><\/td><td width=\"130\"><p>50 \u20ac<\/p><\/td><td width=\"130\"><p>750 \u20ac<\/p><\/td><\/tr><\/tbody><\/table>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-890db4f elementor-align-left elementor-widget elementor-widget-the7_icon_widget\" data-id=\"890db4f\" 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\t\t<div class=\"elementor-element elementor-element-4dfd5ea elementor-widget elementor-widget-the7-heading\" data-id=\"4dfd5ea\" 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\">El \u201ctruco\u201d que casi nadie entiende: el banco se queda con el peor de los dos escenarios<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f93f49d elementor-widget elementor-widget-text-editor\" data-id=\"f93f49d\" 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>Aunque tengas ahorros, si tu cuota se dispara por encima del 30-35%, el banco recorta. Y aunque tu sueldo sea alto, si pides m\u00e1s del porcentaje de financiaci\u00f3n habitual, tambi\u00e9n recorta.<\/p><p>Por eso a veces pasa esto:<\/p><ul><li>Te cuadra una cuota, pero la tasaci\u00f3n baja te limita el importe.<\/li><li>Te cuadra la financiaci\u00f3n al 80%, pero tu endeudamiento te deja una cuota demasiado justa.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9eb1061 e-con-full e-flex e-con e-child\" data-id=\"9eb1061\" 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-1ee151e elementor-widget elementor-widget-text-editor\" data-id=\"1ee151e\" 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>Caso ejemplo (endeudamiento vs financiaci\u00f3n): <\/strong>Pareja con ingresos netos de 2.800 \u20ac\/mes. Pag\u00e1is 250 \u20ac\/mes de coche y 50 \u20ac\/mes de un pr\u00e9stamo peque\u00f1o (total otras deudas: 300 \u20ac).<br \/>Si aplicamos el 35%, el m\u00e1ximo de deudas ser\u00eda 980 \u20ac (2.800 x 0,35). Por tanto, cuota m\u00e1xima de hipoteca aproximada: 680 \u20ac (980 &#8211; 300).<br \/>Con una hipoteca a 30 a\u00f1os y un tipo del 3% (solo para estimar), una cuota de 680 \u20ac equivale a unos 161.000 \u20ac de pr\u00e9stamo.<br \/>Ahora miramos el piso: precio 220.000 \u20ac, tasaci\u00f3n 215.000 \u20ac. Al 80% de tasaci\u00f3n, el m\u00e1ximo por financiaci\u00f3n ser\u00eda 172.000 \u20ac.<br \/><strong>\u00bfQu\u00e9 concede el banco? El menor: 161.000 \u20ac (manda el endeudamiento).<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fb50c0f elementor-align-left elementor-widget elementor-widget-the7_icon_widget\" data-id=\"fb50c0f\" 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\t\t<div class=\"elementor-element elementor-element-6690566 elementor-widget elementor-widget-the7-heading\" data-id=\"6690566\" 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\">6 palancas reales para que te concedan m\u00e1s hipoteca (sin hacer locuras)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-26935aa e-con-full e-flex e-con e-child\" data-id=\"26935aa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a213b05 content-align-left icon-box-vertical-align-top icon-position-left icon-vertical-align-start elementor-widget elementor-widget-the7_icon_box_grid_widget\" data-id=\"a213b05\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"the7_icon_box_grid_widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"the7-box-grid-wrapper the7-elementor-widget loading-effect-none the7_icon_box_grid_widget-a213b05\">\t\t\t<div class=\"dt-css-grid\">\n\t\t\t\t\t\t\t\t\t<div class=\"wf-cell shown\">\n\t\t\t\t\t\t<div class=\"the7-icon-box-grid\">\t\t\t\t\t\t\t<div class=\"box-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-icon-div\" aria-label=\"Reducir endeudamiento\">\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon\">\n\t\t\t\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-star\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\"><\/path><\/svg>\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/a>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"box-heading\">\n\t\t\t\t\t\t\t\t\t\t\t<a aria-label=\"Reducir endeudamiento\">\t\t\t\t\t\t\t\t\t\t\t\tReducir endeudamiento\t\t\t\t\t\t\t\t\t\t\t<\/a>\t\t\t\t\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-description\">Reducir deudas antes de pedir hipoteca (coche, pr\u00e9stamos, tarjetas): es lo que m\u00e1s r\u00e1pido mejora tu ratio.<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"wf-cell shown\">\n\t\t\t\t\t\t<div class=\"the7-icon-box-grid\">\t\t\t\t\t\t\t<div class=\"box-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-icon-div\" aria-label=\"Ahorros\">\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon\">\n\t\t\t\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-star\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\"><\/path><\/svg>\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/a>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"box-heading\">\n\t\t\t\t\t\t\t\t\t\t\t<a aria-label=\"Ahorros\">\t\t\t\t\t\t\t\t\t\t\t\tAhorros\t\t\t\t\t\t\t\t\t\t\t<\/a>\t\t\t\t\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-description\">Aportar m\u00e1s entrada (m\u00e1s ahorros): baja el importe a financiar y mejora la operaci\u00f3n.<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"wf-cell shown\">\n\t\t\t\t\t\t<div class=\"the7-icon-box-grid\">\t\t\t\t\t\t\t<div class=\"box-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-icon-div\" aria-label=\"2 titulares mejor que 1\">\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon\">\n\t\t\t\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-star\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\"><\/path><\/svg>\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/a>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"box-heading\">\n\t\t\t\t\t\t\t\t\t\t\t<a aria-label=\"2 titulares mejor que 1\">\t\t\t\t\t\t\t\t\t\t\t\t2 titulares mejor que 1\t\t\t\t\t\t\t\t\t\t\t<\/a>\t\t\t\t\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-description\">\u2022Sumar un segundo titular con ingresos estables: a veces el cambio es inmediato.<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"wf-cell shown\">\n\t\t\t\t\t\t<div class=\"the7-icon-box-grid\">\t\t\t\t\t\t\t<div class=\"box-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-icon-div\" aria-label=\"Buena tasaci\u00f3n\">\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon\">\n\t\t\t\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-star\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\"><\/path><\/svg>\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/a>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"box-heading\">\n\t\t\t\t\t\t\t\t\t\t\t<a aria-label=\"Buena tasaci\u00f3n\">\t\t\t\t\t\t\t\t\t\t\t\tBuena tasaci\u00f3n\t\t\t\t\t\t\t\t\t\t\t<\/a>\t\t\t\t\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-description\">Elegir un inmueble con buena tasaci\u00f3n y liquidez (el banco tambi\u00e9n mira el \u201criesgo vivienda\u201d).<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"wf-cell shown\">\n\t\t\t\t\t\t<div class=\"the7-icon-box-grid\">\t\t\t\t\t\t\t<div class=\"box-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-icon-div\" aria-label=\"Plazo de amortizaci\u00f3n correcto\">\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon\">\n\t\t\t\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-star\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\"><\/path><\/svg>\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/a>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"box-heading\">\n\t\t\t\t\t\t\t\t\t\t\t<a aria-label=\"Plazo de amortizaci\u00f3n correcto\">\t\t\t\t\t\t\t\t\t\t\t\tPlazo de amortizaci\u00f3n correcto\t\t\t\t\t\t\t\t\t\t\t<\/a>\t\t\t\t\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-description\">Ajustar plazo con cabeza: m\u00e1s plazo reduce cuota, pero debe encajar con edad y plan de vida.<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"wf-cell shown\">\n\t\t\t\t\t\t<div class=\"the7-icon-box-grid\">\t\t\t\t\t\t\t<div class=\"box-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-icon-div\" aria-label=\"Presentaci\u00f3n de tu expediente\">\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon\">\n\t\t\t\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-star\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\"><\/path><\/svg>\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/a>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"box-heading\">\n\t\t\t\t\t\t\t\t\t\t\t<a aria-label=\"Presentaci\u00f3n de tu expediente\">\t\t\t\t\t\t\t\t\t\t\t\tPresentaci\u00f3n de tu expediente\t\t\t\t\t\t\t\t\t\t\t<\/a>\t\t\t\t\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-description\">Ordenar la \u201cfoto bancaria\u201d: evitar descubiertos, pagos devueltos y movimientos que generan alarma.\n\nPreparar el expediente como lo har\u00eda un banco: documentaci\u00f3n completa, coherencia y narrativa clara.<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/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-6131889 e-con-full e-flex e-con e-child\" data-id=\"6131889\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-39d7fe9 elementor-widget elementor-widget-the7-accordion\" data-id=\"39d7fe9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"the7-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion the7-adv-accordion animate-on-loading\" data-accordion-type=\"accordion\" role=\"tablist\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h4 id=\"elementor-tab-title-6061\" class=\"elementor-tab-title the7-accordion-header active-default\" data-tab=\"1\" role=\"tab\" aria-controls=\"elementor-tab-content-6061\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" href=\"\">\u00bfCu\u00e1nto suele financiar un banco en una vivienda habitual?<\/a>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\t<div id=\"elementor-tab-content-6061\" class=\"elementor-tab-content elementor-clearfix active-default\" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-6061\"><p>Como regla general, el Banco de Espa\u00f1a indica que las entidades no suelen conceder m\u00e1s del 80% del valor de tasaci\u00f3n. En casos concretos puede haber m\u00e1s financiaci\u00f3n, pero suele requerir un perfil muy solvente o garant\u00edas adicionales.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h4 id=\"elementor-tab-title-6062\" class=\"elementor-tab-title the7-accordion-header\" data-tab=\"2\" role=\"tab\" aria-controls=\"elementor-tab-content-6062\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" href=\"\">\u00bfQu\u00e9 es la CIRBE y deber\u00eda preocuparme?<\/a>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\t<div id=\"elementor-tab-content-6062\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-6062\"><p>La CIRBE (Banco de Espa\u00f1a) es una base de datos con informaci\u00f3n de tus pr\u00e9stamos, cr\u00e9ditos, avales y garant\u00edas. No es un registro de morosos. El banco la consulta para conocer tu nivel de endeudamiento y t\u00fa puedes solicitar tu informe gratuitamente.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h4 id=\"elementor-tab-title-6063\" class=\"elementor-tab-title the7-accordion-header\" data-tab=\"3\" role=\"tab\" aria-controls=\"elementor-tab-content-6063\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" href=\"\">\u00bfSi supero el 35% de endeudamiento ya me dir\u00e1n que no?<\/a>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\t<div id=\"elementor-tab-content-6063\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-6063\"><p>No hay una regla \u00fanica, pero superar ese rango suele complicar la aprobaci\u00f3n o empeorar condiciones. La estrategia habitual es reducir deudas, ajustar importe o aportar m\u00e1s entrada.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h4 id=\"elementor-tab-title-6064\" class=\"elementor-tab-title the7-accordion-header\" data-tab=\"4\" role=\"tab\" aria-controls=\"elementor-tab-content-6064\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" href=\"\">\u00bfQu\u00e9 ingresos cuentan? \u00bfSolo la n\u00f3mina?<\/a>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\t<div id=\"elementor-tab-content-6064\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-6064\"><p>Cuentan los ingresos estables y demostrables. Las variables pueden considerarse, pero con prudencia y seg\u00fan entidad (por ejemplo, promediando meses o a\u00f1os).<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h4 id=\"elementor-tab-title-6065\" class=\"elementor-tab-title the7-accordion-header\" data-tab=\"5\" role=\"tab\" aria-controls=\"elementor-tab-content-6065\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" href=\"\">\u00bfY si me dicen \u201cs\u00ed\u201d pero luego me cambian el importe?<\/a>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\t<div id=\"elementor-tab-content-6065\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-6065\"><p>Puede pasar si la tasaci\u00f3n sale m\u00e1s baja, si aparece una deuda que no se hab\u00eda considerado o si cambia la evaluaci\u00f3n del riesgo. Por eso es clave hacer un prean\u00e1lisis serio antes de firmar arras. En FIKA nos aseguramos de que est\u00e9s protegido en todo momento. Revisamos las arras y nos encargamos de que la tasaci\u00f3n pueda salir al importe necesario.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\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-410417e elementor-align-center elementor-widget elementor-widget-the7_button_widget\" data-id=\"410417e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"the7_button_widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\"><a href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6IjQwOTY1IiwidG9nZ2xlIjpmYWxzZX0%3D\" class=\"box-button elementor-button elementor-size-md\">Quiero saber cuanta hipoteca me concede el banco<\/a><\/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\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Descubre cu\u00e1nto te puede conceder el banco seg\u00fan ingresos, deudas y financiaci\u00f3n. F\u00f3rmulas, ejemplos reales y checklist para mejorar tu perfil.<\/p>\n","protected":false},"author":1,"featured_media":36446,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[30],"tags":[32],"class_list":["post-40640","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\/40640","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=40640"}],"version-history":[{"count":21,"href":"https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/index.php\/wp-json\/wp\/v2\/posts\/40640\/revisions"}],"predecessor-version":[{"id":41140,"href":"https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/index.php\/wp-json\/wp\/v2\/posts\/40640\/revisions\/41140"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/index.php\/wp-json\/wp\/v2\/media\/36446"}],"wp:attachment":[{"href":"https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/index.php\/wp-json\/wp\/v2\/media?parent=40640"}],"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=40640"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hardworking-yellow-tiger.178-211-133-57.cpanel.site\/index.php\/wp-json\/wp\/v2\/tags?post=40640"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}