{"id":105166,"date":"2023-06-29T10:03:12","date_gmt":"2023-06-29T10:03:12","guid":{"rendered":"https:\/\/www.eurekers.com\/cursosbolsa\/?p=105166"},"modified":"2026-04-12T14:51:00","modified_gmt":"2026-04-12T14:51:00","slug":"alerta-euribor","status":"publish","type":"post","link":"https:\/\/www.eurekers.com\/cursosbolsa\/alerta-euribor","title":{"rendered":"Alerta Euribor"},"content":{"rendered":"

Tras la primera reuni\u00f3n de la FED<\/a>, banco central<\/a> estadounidense, en la que probaron a parar temporalmente la subida de tipos de inter\u00e9s<\/a> para combatir la inflaci\u00f3n<\/a>,1<\/a><\/sup>La FED anuncia una pausa \u00abhawkish\u00bb<\/a><\/span> el Banco Central Europeo<\/a> (BCE) decidi\u00f3 volver a subirlos un cuarto de punto<\/strong> para llegar al 3,75%.2<\/a><\/sup>Inflaci\u00f3n al 2%, el objetivo del BCE<\/a><\/span> Ya explicamos hace unos meses en una de nuestras newsletters<\/em><\/a> la interrelaci\u00f3n que existe entre los tipos de inter\u00e9s del <\/strong>BCE<\/a> y el Euribor<\/strong>, y c\u00f3mo este \u00faltimo siempre ser\u00e1 ligeramente superior a los tipos fijados por la banca central.<\/p>\n

En consecuencia, con la nueva subida de tipos<\/strong>, el Euribor ya ha superado la barrera del 4%<\/strong> en un ascenso mete\u00f3rico. Es decir, hemos pasado de tener un Euribor negativo hace apenas dos a\u00f1os, y que la hipoteca a tipo variable pr\u00e1cticamente no pagara intereses, a tenerlos en niveles que no se ve\u00edan desde hac\u00eda m\u00e1s de una d\u00e9cada.<\/p>\n

\"Gr\u00e1fica<\/p>\n

\u00bfY en qu\u00e9 se traduce todo esto?<\/h2>\n

Sencillamente en un encarecimiento de las hipotecas a tipo variable<\/strong>, que har\u00e1 peligrar la solvencia de las familias.<\/p>\n

De esta forma, y en n\u00fameros redondos, una hipoteca de 100.000 EUR a 25 a\u00f1os que pagara una cuota de 400 EUR mensuales, tras esta nueva subida, pasar\u00e1 a pagar un mensual de 575\u20ac. Y en el caso, por ejemplo, de que la hipoteca fuera de 200.000 EUR, tambi\u00e9n a 25 a\u00f1os, la cuota pasar\u00e1 de 800 EUR a 1.150. En consecuencia, todo esto se traduce en subidas del 45% sobre la cuota de la hipoteca en apenas un a\u00f1o<\/strong>.<\/p>\n

Y por cierto, si nos fijamos en el gr\u00e1fico adjunto m\u00e1s arriba, s\u00f3lo cuando el Euribor alcanz\u00f3 cotas tan altas<\/strong>, despu\u00e9s se produjeron sendas correcciones dolorosas en el mercado inmobiliario. Fue cuando empezaron a llegar los impagos por la imposibilidad de atender, las cada vez m\u00e1s crecientes cuotas. \u00bfNos pillar\u00e1 esta vez un poco m\u00e1s prevenidos?<\/p>\n","protected":false},"excerpt":{"rendered":"

Con la nueva subida de tipos de inter\u00e9s de los bancos centrales, el Euribor ya ha superado la barrera del 4% en un ascenso mete\u00f3rico. <\/p>\n","protected":false},"author":17,"featured_media":105168,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_joinchat":[],"footnotes":""},"categories":[107],"tags":[105,336,773,823],"class_list":["post-105166","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticias","tag-inflacion","tag-tipos-de-interes","tag-fed","tag-euribor"],"yoast_head":"\nAlerta Euribor - Eurekers<\/title>\n<meta name=\"description\" content=\"Con la nueva subida de tipos de inter\u00e9s de los bancos centrales, el Euribor ya ha superado la barrera del 4% en un ascenso mete\u00f3rico.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.eurekers.com\/cursosbolsa\/alerta-euribor\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Alerta Euribor - 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