{"id":2653,"date":"2023-10-04T22:08:17","date_gmt":"2023-10-04T22:08:17","guid":{"rendered":"https:\/\/invertiscapital.com\/como-saber-si-te-conviene-amortizar-hipoteca\/"},"modified":"2023-10-24T15:23:06","modified_gmt":"2023-10-24T15:23:06","slug":"com-saber-si-sha-damortitzar-la-hipoteca","status":"publish","type":"post","link":"https:\/\/invertiscapital.com\/ca\/com-saber-si-sha-damortitzar-la-hipoteca\/","title":{"rendered":"Com saber si s\u2019ha d\u2019amortitzar la hipoteca"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Tota persona que est\u00e0 pagant una hipoteca ha arribat a un punt en qu\u00e8 es planteja si compensa o no avan\u00e7ar el pagament del pr\u00e9stec.<\/p><p class=\"wp-block-paragraph\">A m\u00e9s de l&#8217;impacte en els interessos totals que acabar\u00e0s pagant per la hipoteca, un altre factor \u00e9s desgravar per la compra d&#8217;una casa a la declaraci\u00f3 de la renda. La normativa estableix una s\u00e8rie de quantitats m\u00e0ximes sobre les quals aplicar la deducci\u00f3 del 15%, que correspondrien a una quota de 753,33 euros al mes o 9.040 euros a l&#8217;any.<\/p><p class=\"wp-block-paragraph\">Aquesta quantitat s&#8217;aplica a les declaracions conjuntes i individuals. Aix\u00f2 vol dir que si la teva parella i tu opteu per fer la declaraci\u00f3 individual tots dos podreu desgravar un 15% sobre 9.040 euros, per la qual cosa en realitat estar\u00edeu doblegant la base de la deducci\u00f3. En cas de fer la declaraci\u00f3 conjunta, el l\u00edmit seran els 9.040 euros sense multiplicar per dos la quantia.<\/p><p class=\"wp-block-paragraph\"><strong>Amortitzar per pagar menys impostos<\/strong><\/p><ul class=\"wp-block-list\"><ul class=\"wp-block-list\"><li>Has pagat m\u00e9s de 9.040 euros entre hipoteca i assegurances associades (vida i llar)? Si \u00e9s aix\u00ed, no podries treure m\u00e9s partit per amortitzar m\u00e9s capital de la teva hipoteca.<\/li><li>Si no has arribat al m\u00e0xim o si est\u00e0s casat, optes per fer la declaraci\u00f3 individual i no arribeu als 18.080 euros -recorda que cada c\u00f2njuge pot desgravar sobre la base m\u00e0xima- amortitzar hipoteca fins a aquests l\u00edmits ser\u00e0 gaireb\u00e9 sempre l&#8217;alternativa m\u00e9s recomanable.<\/li><li>Des del punt de vista financer est\u00e0s obtenint una rendibilitat del 15% pels teus diners que no podries obtenir d&#8217;una altra manera ia m\u00e9s ajudant a reduir els interessos totals que pagues pel teu pr\u00e9stec.<\/li><\/ul><\/ul><p class=\"wp-block-paragraph\"><strong>Amortitzar per pagar menys interessos<\/strong><\/p><p class=\"wp-block-paragraph\">Per\u00f2 fins i tot sense deducci\u00f3 en la renda pel mig pot ser recomanable amortitzar la teva hipoteca. I \u00e9s que el tipus d&#8217;inter\u00e8s que pagues pel pr\u00e9stec ja no l&#8217;haur\u00e0s d&#8217;abonar per la quantitat que amortitzis de manera anticipada. Imagina que avances 5.000 euros d?hipoteca i que el teu tipus d?inter\u00e8s \u00e9s del 3%. En fer-ho, estaries evitant pagar 150 euros al banc de manera directa.<\/p><p class=\"wp-block-paragraph\">Aquest \u00e9s l?impacte d?amortitzar aquests 5.000 euros cada any en un pr\u00e9stec a 20 anys de 150.000 euros, et permetria estalviar 20.077 euros nom\u00e9s d?interessos i escur\u00e7ar en 8 anys el pagament de la hipoteca.<\/p><p class=\"wp-block-paragraph\">Per\u00f2 \u00e9s que fins i tot pagant aquests 5.000 m\u00e9s nom\u00e9s una vegada el primer any d&#8217;hipoteca tindries un estalvi significatiu. Per comen\u00e7ar, escur\u00e7aries vuit mesos la vida de la hipoteca ia m\u00e9s pagaries 3.741 euros menys al banc en interessos.<\/p><p class=\"wp-block-paragraph\"><figure class=\"wp-block-image\"><figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-2790 size-full\" src=\"https:\/\/invertiscapital.com\/wp-content\/uploads\/2021\/09\/female-hand-operating-calculator-in-front-of-villa-house-model-1-scaled.jpg\" alt=\"\" width=\"2560\" height=\"849\" \/><\/figure><\/figure><\/p><p class=\"wp-block-paragraph\"><strong>Com amortitzar m\u00e9s r\u00e0pid la teva hipoteca<\/strong><\/p><p class=\"wp-block-paragraph\">La clau per pagar abans la hipoteca \u00e9s estalviar m\u00e9s cada mes. Arribat el moment far\u00e0 que fer servir aquests diners per avan\u00e7ar part del pr\u00e9stec hipotecari.<\/p><h6 class=\"wp-block-heading\">Agra\u00efments a preahorro.com<\/h3><h6 class=\"wp-block-heading\">Font de l&#8217;article:<a>https:\/\/preahorro.com\/hipoteca-y-vivenda\/como-saber-si-te-conviene-amortizar-hipoteca\/<\/a><\/h3>","protected":false},"excerpt":{"rendered":"<p>Tota persona que est\u00e0 pagant una hipoteca ha arribat a un punt en qu\u00e8 es planteja si compensa o no avan\u00e7ar el pagament del pr\u00e9stec. A m\u00e9s de l&#8217;impacte en els interessos totals que acabar\u00e0s pagant per la hipoteca, un altre factor \u00e9s desgravar per la compra d&#8217;una casa a la declaraci\u00f3 de la renda. [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":2532,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","footnotes":""},"categories":[126],"tags":[],"class_list":["post-2653","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finances-personals-i-planificacio","has-post-title","has-post-date","has-post-category","has-post-tag","has-post-comment","has-post-author",""],"acf":[],"builder_content":"","_links":{"self":[{"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/posts\/2653","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/comments?post=2653"}],"version-history":[{"count":3,"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/posts\/2653\/revisions"}],"predecessor-version":[{"id":2816,"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/posts\/2653\/revisions\/2816"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/media\/2532"}],"wp:attachment":[{"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/media?parent=2653"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/categories?post=2653"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/tags?post=2653"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}