{"id":1401,"date":"2026-09-07T11:00:16","date_gmt":"2026-09-07T09:00:16","guid":{"rendered":"https:\/\/hipotecanova.es\/?p=1401"},"modified":"2026-08-31T11:07:15","modified_gmt":"2026-08-31T09:07:15","slug":"euribor-puja-quina-hipoteca-triar-2026","status":"publish","type":"post","link":"https:\/\/hipotecanova.es\/ca\/blog\/euribor-puja-quina-hipoteca-triar-2026\/","title":{"rendered":"L\u2019eur\u00edbor torna a pujar: quina hipoteca conv\u00e9 triar el 2026?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">L\u2019eur\u00edbor torna a ser protagonista el 2026. Despr\u00e9s dels nivells m\u00e9s baixos registrats durant part del 2025 i principis d\u2019any, el principal \u00edndex de refer\u00e8ncia de les hipoteques variables a Espanya ha tornat a pujar i s\u2019acosta de nou al 3%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Per a les persones que estan pensant a comprar un habitatge i necessiten finan\u00e7ament, aquest moviment pot generar una pregunta l\u00f2gica: <strong>\u00e9s un mal moment per contractar una hipoteca?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La resposta no dep\u00e8n \u00fanicament de l\u2019eur\u00edbor. El tipus d\u2019hipoteca, el perfil financer del comprador, el percentatge de finan\u00e7ament, el termini i, sobretot, les condicions que s\u2019aconsegueixin negociar amb les entitats poden marcar una difer\u00e8ncia molt m\u00e9s gran del que sembla.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Qu\u00e8 est\u00e0 passant amb l\u2019eur\u00edbor el 2026?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019eur\u00edbor a 12 mesos \u00e9s un dels principals \u00edndexs utilitzats pels bancs per calcular l\u2019inter\u00e8s de les hipoteques variables a Espanya.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Durant el 2026 ha experimentat una tend\u00e8ncia a l\u2019al\u00e7a. L\u2019eur\u00edbor oficial es va situar en el <strong>2,855% el juliol de 2026<\/strong>, mentre que durant l\u2019agost ha arribat a moure\u2019s al voltant del 3% en la seva cotitzaci\u00f3 di\u00e0ria.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aix\u00f2 suposa un canvi respecte de l\u2019entorn de tipus m\u00e9s baixos que es va produir durant el 2025 i pot tenir conseq\u00fc\u00e8ncies tant per a les persones que ja tenen una hipoteca variable com per a les que estan buscant finan\u00e7ament per comprar un habitatge.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Com afecta una pujada de l\u2019eur\u00edbor a una hipoteca?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019efecte dep\u00e8n principalment del tipus d\u2019hipoteca contractada.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Hipoteca variable<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">En una hipoteca variable, el tipus d\u2019inter\u00e8s acostuma a calcular-se sumant un diferencial a l\u2019eur\u00edbor. Per exemple:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Eur\u00edbor + 0,60%<\/li>\n\n\n\n<li>Eur\u00edbor + 0,80%<\/li>\n\n\n\n<li>Eur\u00edbor + 1%<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Per tant, si l\u2019eur\u00edbor augmenta, l\u2019inter\u00e8s aplicat en la revisi\u00f3 seg\u00fcent de la hipoteca tamb\u00e9 pot augmentar i, com a conseq\u00fc\u00e8ncia, pot pujar la quota mensual.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Hipoteca fixa<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">En una hipoteca fixa, la quota no canvia durant tota la vida del pr\u00e9stec sempre que es mantinguin les condicions contractades.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019evoluci\u00f3 futura de l\u2019eur\u00edbor no afecta directament la quota, cosa que permet saber des del principi quant es pagar\u00e0 cada mes.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Hipoteca mixta<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">La hipoteca mixta combina totes dues modalitats. Habitualment ofereix un tipus fix durant els primers anys i posteriorment passa a funcionar com una hipoteca variable referenciada a l\u2019eur\u00edbor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aquesta modalitat pot ser interessant per a determinats perfils, per\u00f2 \u00e9s especialment important analitzar qu\u00e8 passar\u00e0 quan finalitzi el per\u00edode fix i comenci el tram variable.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Aleshores, \u00e9s millor una hipoteca fixa, mixta o variable?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">No existeix una resposta v\u00e0lida per a tots els compradors.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Triar una hipoteca \u00fanicament pensant en si l\u2019eur\u00edbor pujar\u00e0 o baixar\u00e0 pot ser un error. Preveure com evolucionaran els tipus d\u2019inter\u00e8s durant els pr\u00f2xims 20, 25 o 30 anys \u00e9s pr\u00e0cticament impossible.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Per aix\u00f2, abans de decidir, conv\u00e9 analitzar factors com ara:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Els ingressos nets dels titulars.<\/li>\n\n\n\n<li>L\u2019estabilitat laboral.<\/li>\n\n\n\n<li>L\u2019import de l\u2019habitatge.<\/li>\n\n\n\n<li>El capital que es necessita finan\u00e7ar.<\/li>\n\n\n\n<li>Els estalvis disponibles.<\/li>\n\n\n\n<li>La quota mensual que es pot assumir c\u00f2modament.<\/li>\n\n\n\n<li>El termini de la hipoteca.<\/li>\n\n\n\n<li>La possibilitat d\u2019amortitzar anticipadament.<\/li>\n\n\n\n<li>Les vinculacions exigides per cada entitat.<\/li>\n\n\n\n<li>La toler\u00e0ncia del comprador a possibles variacions de la quota.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">La pujada de l\u2019eur\u00edbor no significa que hagis de renunciar a comprar un habitatge<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Quan apareixen not\u00edcies sobre pujades dels tipus d\u2019inter\u00e8s \u00e9s habitual pensar que cal esperar per comprar un habitatge.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tanmateix, l\u2019eur\u00edbor \u00e9s nom\u00e9s una part de l\u2019operaci\u00f3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si has trobat un habitatge que encaixa amb les teves necessitats, tens estabilitat econ\u00f2mica i pots assumir l\u2019operaci\u00f3 de manera raonable, el m\u00e9s important \u00e9s estudiar quin finan\u00e7ament es pot obtenir en aquell moment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Esperar que els tipus baixin tampoc garanteix una compra m\u00e9s econ\u00f2mica. Durant aquest temps pot canviar el preu de l\u2019habitatge, la teva situaci\u00f3 personal o les mateixes pol\u00edtiques de risc i finan\u00e7ament dels bancs.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Amb un eur\u00edbor m\u00e9s alt, comparar hipoteques \u00e9s encara m\u00e9s important<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Una difer\u00e8ncia aparentment petita en el tipus d\u2019inter\u00e8s pot representar milers d\u2019euros al llarg de tota la vida d\u2019una hipoteca.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A m\u00e9s, comparar una hipoteca no consisteix \u00fanicament a mirar el tipus d\u2019inter\u00e8s anunciat.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cal analitzar el conjunt de la proposta:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Tipus d\u2019inter\u00e8s.<\/li>\n\n\n\n<li>TAE.<\/li>\n\n\n\n<li>Comissions.<\/li>\n\n\n\n<li>Assegurances i productes vinculats.<\/li>\n\n\n\n<li>Percentatge m\u00e0xim de finan\u00e7ament.<\/li>\n\n\n\n<li>Termini.<\/li>\n\n\n\n<li>Condicions per mantenir les bonificacions.<\/li>\n\n\n\n<li>Cost total del finan\u00e7ament.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Dues ofertes amb un tipus d\u2019inter\u00e8s similar poden acabar tenint costos molt diferents en funci\u00f3 de les vinculacions exigides per cada entitat.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Es pot aconseguir una bona hipoteca encara que pugi l\u2019eur\u00edbor?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>S\u00ed.<\/strong> Que l\u2019eur\u00edbor pugi no significa que totes les hipoteques tinguin autom\u00e0ticament males condicions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Els bancs competeixen per determinats perfils i les condicions que ofereixen poden variar considerablement entre entitats.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Una persona amb ingressos estables, un nivell d\u2019endeutament adequat i una operaci\u00f3 ben plantejada pot tenir acc\u00e9s a condicions diferents depenent de l\u2019entitat on presenti la seva sol\u00b7licitud.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tamb\u00e9 existeixen operacions que requereixen una an\u00e0lisi m\u00e9s espec\u00edfica, com ara les compres que necessiten un percentatge elevat de finan\u00e7ament, compradors joves, aut\u00f2noms, perfils amb ingressos variables o persones que volen millorar una proposta hipotec\u00e0ria que ja han rebut.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Negociar la hipoteca pot ser tan important com seguir l\u2019eur\u00edbor<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c9s f\u00e0cil dedicar molt de temps a intentar preveure si l\u2019eur\u00edbor pujar\u00e0 o baixar\u00e0 unes d\u00e8cimes durant els pr\u00f2xims mesos. Tanmateix, per a un comprador pot ser molt m\u00e9s rellevant aconseguir una reducci\u00f3 del tipus d\u2019inter\u00e8s, eliminar determinades vinculacions o accedir a un percentatge de finan\u00e7ament m\u00e9s adequat per a la seva operaci\u00f3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Per aix\u00f2, abans d\u2019acceptar la primera proposta d\u2019un banc, \u00e9s recomanable comparar diferents alternatives i analitzar l\u2019operaci\u00f3 en conjunt.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Est\u00e0s buscant hipoteca el 2026?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A <strong>Hipoteca Nova<\/strong> estudiem cada operaci\u00f3 de manera personalitzada i busquem alternatives de finan\u00e7ament entre diferents entitats per trobar una hipoteca adaptada al perfil i a les necessitats de cada client.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Treballem amb operacions de finan\u00e7ament per a la compra d\u2019habitatge a <strong>tot Espanya<\/strong>, tant per a persones que encara no han parlat amb cap banc com per a aquelles que ja disposen d\u2019una oferta i volen comprovar si poden millorar-la.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019evoluci\u00f3 de l\u2019eur\u00edbor \u00e9s important, per\u00f2 tamb\u00e9 ho \u00e9s presentar correctament l\u2019operaci\u00f3, comparar entitats i negociar les condicions de finan\u00e7ament.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Si est\u00e0s pensant a comprar un habitatge, pots enviar-nos el teu cas i estudiarem les opcions disponibles per a la teva operaci\u00f3.<\/strong><\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/hipotecanova.es\/ca\/contacte\/\">Estudiar la meva hipoteca<\/a><\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><em>La informaci\u00f3 continguda en aquest article t\u00e9 car\u00e0cter general i informatiu. Les condicions hipotec\u00e0ries depenen del perfil del sol\u00b7licitant, de l\u2019operaci\u00f3 i dels criteris de cada entitat financera.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>L\u2019eur\u00edbor torna a ser protagonista el 2026. Despr\u00e9s dels nivells m\u00e9s baixos registrats durant part del 2025 i principis d\u2019any, el principal \u00edndex de refer\u00e8ncia de les hipoteques variables a Espanya ha tornat a pujar i s\u2019acosta de nou al 3%. Per a les persones que estan pensant a comprar un habitatge i necessiten finan\u00e7ament, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1402,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[43,41],"tags":[],"class_list":["post-1401","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualitat-i-mercat","category-guies-de-compra"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>L\u2019eur\u00edbor torna a pujar: quina hipoteca conv\u00e9 triar el 2026? | Hipoteca Nova<\/title>\n<meta name=\"description\" content=\"L\u2019eur\u00edbor torna a acostar-se al 3% el 2026. 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