{"id":1409,"date":"2026-09-14T12:46:00","date_gmt":"2026-09-14T10:46:00","guid":{"rendered":"https:\/\/hipotecanova.es\/?p=1409"},"modified":"2026-09-11T13:04:02","modified_gmt":"2026-09-11T11:04:02","slug":"aconseguir-hipoteca-100-requisits","status":"publish","type":"post","link":"https:\/\/hipotecanova.es\/ca\/blog\/aconseguir-hipoteca-100-requisits\/","title":{"rendered":"Es pot aconseguir una hipoteca al 100%? Requisits i claus"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Un dels obstacles m\u00e9s importants a l&#8217;hora de comprar un habitatge no sempre \u00e9s poder pagar la quota mensual. En moltes ocasions, el problema apareix abans: <strong>no disposar de prou estalvis per cobrir l&#8217;entrada.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Per aix\u00f2, cada vegada m\u00e9s compradors es pregunten si \u00e9s possible aconseguir una hipoteca que financi el 100% del preu de l&#8217;habitatge.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La resposta \u00e9s que <strong>pot ser possible en determinades operacions<\/strong>, per\u00f2 no es tracta d&#8217;un finan\u00e7ament est\u00e0ndard ni est\u00e0 disponible per a tots els perfils.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aconseguir-lo dependr\u00e0 de la situaci\u00f3 financera del comprador, de l&#8217;immoble, de l&#8217;import sol\u00b7licitat i de com es plantegi l&#8217;operaci\u00f3.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Qu\u00e8 significa una hipoteca al 100%?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Una hipoteca al 100% \u00e9s aquella en qu\u00e8 el finan\u00e7ament pot arribar a cobrir la totalitat del preu de compra de l&#8217;habitatge.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La difer\u00e8ncia respecte d&#8217;una operaci\u00f3 hipotec\u00e0ria habitual \u00e9s important, ja que redueix la quantitat que el comprador necessita aportar inicialment per pagar el preu de l&#8217;immoble.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aix\u00f2 no significa necess\u00e0riament poder comprar un habitatge sense disposar de cap estalvi. La compravenda pot generar impostos i altres despeses que s&#8217;han d&#8217;analitzar de manera independent.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Per qu\u00e8 els bancs no financen sempre el 100%?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Quan una entitat concedeix una hipoteca analitza el risc global de l&#8217;operaci\u00f3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Com m\u00e9s gran \u00e9s el percentatge que ha de finan\u00e7ar, menor \u00e9s el marge existent entre l&#8217;import prestat i el valor de l&#8217;immoble.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Per aquest motiu, les operacions amb un finan\u00e7ament elevat acostumen a requerir un perfil especialment s\u00f2lid o unes circumst\u00e0ncies que permetin defensar correctament la viabilitat de l&#8217;operaci\u00f3.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Quins perfils poden tenir m\u00e9s opcions?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">No existeix una f\u00f3rmula autom\u00e0tica, per\u00f2 hi ha determinats factors que poden millorar les possibilitats d&#8217;accedir a un finan\u00e7ament elevat.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ingressos estables i suficients.<\/li>\n\n\n\n<li>Baix nivell d&#8217;endeutament.<\/li>\n\n\n\n<li>Bon historial financer.<\/li>\n\n\n\n<li>Estabilitat laboral o professional.<\/li>\n\n\n\n<li>Una futura quota raonable respecte dels ingressos.<\/li>\n\n\n\n<li>Un habitatge que encaixi correctament dins de l&#8217;operaci\u00f3.<\/li>\n\n\n\n<li>Capacitat per assumir les despeses associades a la compra.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Un comprador pot no disposar del 20% del preu de l&#8217;habitatge i, en canvi, tenir uns ingressos elevats, poca c\u00e0rrega financera i una situaci\u00f3 professional molt estable.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aquest perfil mereix una an\u00e0lisi diferent del d&#8217;una persona amb poc estalvi per\u00f2 tamb\u00e9 amb una capacitat de pagament molt ajustada.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">La quota continua sent fonamental<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Aconseguir m\u00e9s finan\u00e7ament no significa que tingui sentit comprar qualsevol habitatge.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L&#8217;import finan\u00e7at ser\u00e0 superior i, per tant, tamb\u00e9 cal comprovar que la quota resultant sigui sostenible per a la teva economia.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Una bona operaci\u00f3 no consisteix \u00fanicament a aconseguir que el banc digui que s\u00ed. El finan\u00e7ament t&#8217;ha de permetre comprar sense deixar la teva economia mensual al l\u00edmit.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">La taxaci\u00f3 de l&#8217;habitatge hi influeix?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">S\u00ed. L&#8217;habitatge tamb\u00e9 forma part de l&#8217;an\u00e0lisi hipotec\u00e0ria i la seva valoraci\u00f3 pot influir en l&#8217;estructura final del finan\u00e7ament.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Per aquest motiu, no conv\u00e9 calcular una operaci\u00f3 \u00fanicament a partir del preu que hagis acordat amb el venedor.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Puc aconseguir el 100% simplement preguntant al meu banc?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pots plantejar l&#8217;operaci\u00f3 a la teva entitat habitual, per\u00f2 una resposta negativa no significa necess\u00e0riament que tots els bancs l&#8217;hagin de valorar de la mateixa manera.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Els criteris de risc i les pol\u00edtiques comercials no s\u00f3n id\u00e8ntics a totes les entitats.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Per aix\u00f2, en una operaci\u00f3 d&#8217;alt finan\u00e7ament \u00e9s especialment important estudiar pr\u00e8viament el perfil i seleccionar en quines entitats t\u00e9 sentit presentar la sol\u00b7licitud.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Errors habituals quan es busca una hipoteca al 100%<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Buscar habitatge sense con\u00e8ixer pr\u00e8viament la capacitat real de compra.<\/li>\n\n\n\n<li>Confondre poder pagar una quota amb poder obtenir el finan\u00e7ament.<\/li>\n\n\n\n<li>Signar unes arres abans d&#8217;estudiar la viabilitat hipotec\u00e0ria.<\/li>\n\n\n\n<li>Presentar sol\u00b7licituds sense una estrat\u00e8gia clara.<\/li>\n\n\n\n<li>Pensar \u00fanicament a aconseguir el m\u00e0xim import possible.<\/li>\n\n\n\n<li>No reservar diners per als impostos i altres despeses de l&#8217;operaci\u00f3.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Com puc saber si puc aconseguir una hipoteca al 100%?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">L&#8217;\u00fanica manera \u00fatil de respondre aquesta pregunta \u00e9s analitzar l&#8217;operaci\u00f3 completa.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cal estudiar els teus ingressos, l&#8217;estabilitat laboral o professional, les deutes, els estalvis, el preu de compra, l&#8217;habitatge i la quota prevista.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A partir d&#8217;aqu\u00ed es pot determinar si t\u00e9 sentit buscar un finan\u00e7ament elevat o si \u00e9s preferible plantejar una altra estrat\u00e8gia.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Estudiem si la teva operaci\u00f3 pot arribar al 100% de finan\u00e7ament<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A <strong>Hipoteca Nova<\/strong> analitzem operacions que necessiten un nivell de finan\u00e7ament elevat i busquem alternatives entre diferents entitats.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">No prometem el 100% a tots els perfils. Primer estudiem la viabilitat real de l&#8217;operaci\u00f3 i, quan el perfil ho permet, treballem per aconseguir el m\u00e0xim finan\u00e7ament possible.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Gestionem operacions a <strong>tot Espanya<\/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\/serveis\/hipoteca-100\/\">Estudiar si puc aconseguir el 100%<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Preguntes freq\u00fcents sobre les hipoteques al 100%<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">\u00c9s possible aconseguir una hipoteca al 100%?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pot ser possible per a determinats perfils i operacions, per\u00f2 no \u00e9s un finan\u00e7ament est\u00e0ndard ni es pot garantir sense analitzar pr\u00e8viament el cas.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Necessito estalvis si aconsegueixo el 100%?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Encara que el finan\u00e7ament arribi al preu de compra, cal tenir en compte els impostos i altres despeses relacionades amb l&#8217;operaci\u00f3.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">La taxaci\u00f3 hi influeix?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">S\u00ed. La valoraci\u00f3 de l&#8217;immoble \u00e9s un dels elements que poden influir en l&#8217;estructura i la viabilitat d&#8217;una operaci\u00f3 hipotec\u00e0ria.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Un broker em pot garantir una hipoteca al 100%?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">No s&#8217;hauria de garantir un finan\u00e7ament abans d&#8217;estudiar el perfil i l&#8217;operaci\u00f3. La concessi\u00f3 final est\u00e0 subjecta a l&#8217;an\u00e0lisi i aprovaci\u00f3 de les entitats financeres.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>La informaci\u00f3 continguda en aquest article \u00e9s general i informativa. La concessi\u00f3 i les condicions de qualsevol finan\u00e7ament depenen del perfil, de l&#8217;immoble i dels criteris de cada entitat.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Un dels obstacles m\u00e9s importants a l&#8217;hora de comprar un habitatge no sempre \u00e9s poder pagar la quota mensual. En moltes ocasions, el problema apareix abans: no disposar de prou estalvis per cobrir l&#8217;entrada. Per aix\u00f2, cada vegada m\u00e9s compradors es pregunten si \u00e9s possible aconseguir una hipoteca que financi el 100% del preu de [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1425,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[40,41],"tags":[],"class_list":["post-1409","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-diccionari-hipotecari","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>Es pot aconseguir una hipoteca al 100%? Requisits i claus | Hipoteca Nova<\/title>\n<meta name=\"description\" content=\"Necessites finan\u00e7ar el 100% d&#039;un habitatge? 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