{"id":1433,"date":"2026-10-05T08:03:24","date_gmt":"2026-10-05T06:03:24","guid":{"rendered":"https:\/\/hipotecanova.es\/blog\/pasar-hipoteca-variable-a-fija\/"},"modified":"2026-10-16T08:19:06","modified_gmt":"2026-10-16T06:19:06","slug":"passar-hipoteca-variable-a-fixa","status":"publish","type":"post","link":"https:\/\/hipotecanova.es\/ca\/blog\/passar-hipoteca-variable-a-fixa\/","title":{"rendered":"Puja l\u2019eur\u00edbor: com passar la teva hipoteca variable a fixa?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Si tens una hipoteca variable, probablement hagis tornat a mirar l\u2019eur\u00edbor amb m\u00e9s atenci\u00f3 durant els \u00faltims mesos.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019eur\u00edbor a 12 mesos va tancar el setembre de 2026 en el <strong>3,247%<\/strong>, davant del 2,954% de l\u2019agost. En nom\u00e9s dotze mesos acumula una pujada superior a un punt percentual.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Per a les persones que tenen una hipoteca variable, aquesta evoluci\u00f3 no \u00e9s simplement una xifra econ\u00f2mica: <strong>pot acabar traduint-se en una quota mensual m\u00e9s alta quan arribi la pr\u00f2xima revisi\u00f3.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">I quan encara queden molts anys i una quantitat important de capital pendent, una difer\u00e8ncia aparentment petita en el tipus d\u2019inter\u00e8s pot representar desenes de milers d\u2019euros.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Davant d\u2019aquesta situaci\u00f3 \u00e9s l\u00f2gic plantejar-se una pregunta: <strong>puc passar la meva hipoteca variable a una hipoteca fixa?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La resposta \u00e9s s\u00ed. Existeixen diferents maneres de fer-ho i no necess\u00e0riament has d\u2019acceptar les condicions que t\u2019ofereixi el teu banc actual.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Per qu\u00e8 torna a pujar la quota de les hipoteques variables?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Gran part de les hipoteques variables a Espanya utilitzen l\u2019eur\u00edbor com a \u00edndex de refer\u00e8ncia.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Normalment, l\u2019inter\u00e8s es calcula mitjan\u00e7ant una f\u00f3rmula com aquesta:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Eur\u00edbor + diferencial del banc.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Per exemple, si tens una hipoteca a eur\u00edbor + 0,80%, l\u2019inter\u00e8s que pagar\u00e0s dependr\u00e0 del valor de l\u2019eur\u00edbor quan correspongui revisar el pr\u00e9stec.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si l\u2019eur\u00edbor puja un punt percentual i el diferencial es mant\u00e9, el tipus aplicat a la teva hipoteca tamb\u00e9 augmenta aproximadament un punt.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">I aquest punt pot tenir molt m\u00e9s impacte del que sembla a primera vista.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Exemple: un 1% m\u00e9s pot significar uns 40.000 \u20ac addicionals<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Vegem un exemple senzill per entendre qu\u00e8 pot representar una pujada d\u2019un punt en una hipoteca a llarg termini.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Suposem que encara tens <strong>200.000 \u20ac pendents d\u2019hipoteca<\/strong> i et queden <strong>30 anys<\/strong> per pagar.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si el tipus aplicat al teu pr\u00e9stec fos del 3%, la quota seria aproximadament de: <strong>843 \u20ac al mes.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si el tipus pug\u00e9s nom\u00e9s un punt, fins al 4%, la quota passaria aproximadament a: <strong>955 \u20ac al mes.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La difer\u00e8ncia \u00e9s d\u2019uns <strong>112 \u20ac addicionals cada mes<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pot semblar una pujada assumible si nom\u00e9s observem una mensualitat. Per\u00f2 si aquest punt addicional es mantingu\u00e9s durant els 30 anys restants, el resultat canvia completament: <strong>el client acabaria pagant aproximadament 40.184 \u20ac m\u00e9s en interessos.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dit d\u2019una altra manera: una difer\u00e8ncia de nom\u00e9s un punt percentual pot acabar suposant <strong>m\u00e9s de 40.000 \u20ac addicionals<\/strong> en una hipoteca de 200.000 \u20ac a 30 anys.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Per aix\u00f2, quan parlem de l\u2019evoluci\u00f3 de l\u2019eur\u00edbor, no conv\u00e9 mirar \u00fanicament quant pot pujar la pr\u00f2xima quota. Tamb\u00e9 hem d\u2019analitzar quant pot costar mantenir determinades condicions durant tots els anys que queden de pr\u00e9stec.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Exemple orientatiu calculat mitjan\u00e7ant el sistema d\u2019amortitzaci\u00f3 franc\u00e8s per a 200.000 \u20ac a 30 anys, comparant un tipus constant del 3% amb un altre del 4%. No inclou comissions, assegurances, vinculacions ni altres costos. L\u2019evoluci\u00f3 real d\u2019una hipoteca variable dependr\u00e0 de les futures revisions de l\u2019\u00edndex.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Es pot passar una hipoteca variable a fixa?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>S\u00ed.<\/strong> Tenir una hipoteca signada no significa que hagis de mantenir exactament les mateixes condicions durant tota la vida del pr\u00e9stec.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si actualment tens una hipoteca variable, existeixen principalment dues vies per intentar passar-la a tipus fix:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Negociar una novaci\u00f3 amb el teu banc actual.<\/strong><\/li>\n\n\n\n<li><strong>Traslladar la hipoteca a una altra entitat mitjan\u00e7ant una subrogaci\u00f3.<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">En algunes situacions tamb\u00e9 es pot estudiar un refinan\u00e7ament m\u00e9s ampli, depenent de les condicions del pr\u00e9stec i del que vulguis aconseguir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Opci\u00f3 1: negociar amb el teu banc actual<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La primera alternativa \u00e9s sol\u00b7licitar a la teva entitat una modificaci\u00f3 de les condicions de la hipoteca.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aquest proc\u00e9s es coneix com a <strong>novaci\u00f3 hipotec\u00e0ria<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pots negociar, entre altres aspectes, el canvi del tipus variable actual per un inter\u00e8s fix.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">El principal avantatge \u00e9s que mantens la hipoteca a la mateixa entitat.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tanmateix, hi ha una q\u00fcesti\u00f3 important: <strong>el teu banc actual no t\u00e9 per qu\u00e8 oferir-te les millors condicions disponibles al mercat.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Per aix\u00f2 \u00e9s recomanable saber qu\u00e8 podries aconseguir en altres entitats abans d\u2019acceptar una modificaci\u00f3.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Opci\u00f3 2: canviar la hipoteca de banc<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Si la teva entitat no vol millorar les condicions o la proposta que t\u2019ofereix no \u00e9s competitiva, pots estudiar una <a href=\"https:\/\/hipotecanova.es\/ca\/serveis\/subrogacio-hipotecaria\/\" data-type=\"page\" data-id=\"800\">subrogaci\u00f3 hipotec\u00e0ria<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La subrogaci\u00f3 permet traslladar la teva hipoteca a un altre banc que estigui disposat a oferir-te unes condicions diferents.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Per exemple, es pot estudiar:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Passar de variable a fix.<\/li>\n\n\n\n<li>Reduir el tipus d\u2019inter\u00e8s.<\/li>\n\n\n\n<li>Millorar la quota mensual.<\/li>\n\n\n\n<li>Eliminar o reduir determinades vinculacions.<\/li>\n\n\n\n<li>Modificar altres condicions del pr\u00e9stec.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">D\u2019aquesta manera, no depens exclusivament de la proposta de l\u2019entitat amb la qual vas signar originalment.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Quan pot compensar passar de variable a fixa?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">No existeix una resposta v\u00e0lida per a totes les hipoteques.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pot tenir especialment sentit estudiar el canvi quan encara tens molt capital pendent, et queden bastants anys de pr\u00e9stec o vols eliminar la incertesa de les futures revisions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tamb\u00e9 pot resultar interessant si la teva situaci\u00f3 financera ha millorat des que vas contractar la hipoteca i ara tens acc\u00e9s a condicions que abans no estaven disponibles per al teu perfil.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">El principal avantatge d\u2019una hipoteca fixa no \u00e9s saber si guanyar\u00e0s o perdr\u00e0s respecte de l\u2019eur\u00edbor d\u2019aqu\u00ed a deu anys.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c9s molt m\u00e9s senzill:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>saps quin inter\u00e8s i quina quota pagar\u00e0s sense dependre de futures pujades de l\u2019\u00edndex de refer\u00e8ncia.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Per\u00f2 canviar a fixa no sempre significa estalviar<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Que l\u2019eur\u00edbor estigui pujant no significa que hagis de canviar autom\u00e0ticament la teva hipoteca.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La nova proposta s\u2019ha de comparar amb les condicions que ja tens.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Per saber si realment compensa cal estudiar:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>El capital que encara deus.<\/li>\n\n\n\n<li>Els anys restants d\u2019hipoteca.<\/li>\n\n\n\n<li>El teu diferencial actual.<\/li>\n\n\n\n<li>El tipus fix que pots aconseguir.<\/li>\n\n\n\n<li>La quota actual i la nova quota.<\/li>\n\n\n\n<li>Les comissions aplicables.<\/li>\n\n\n\n<li>Les vinculacions exigides.<\/li>\n\n\n\n<li>Les assegurances associades.<\/li>\n\n\n\n<li>Els possibles costos del canvi.<\/li>\n\n\n\n<li>El cost total dels interessos fins a finalitzar el pr\u00e9stec.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Aquest \u00faltim punt \u00e9s especialment important.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Una entitat podria oferir-te una quota mensual inferior simplement ampliant el termini de la hipoteca. Aix\u00f2 pot alleujar la teva economia mensual, per\u00f2 no significa necess\u00e0riament que acabar\u00e0s pagant menys diners en total.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Per aix\u00f2, a Hipoteca Nova analitzem <strong>el cost complet de l\u2019operaci\u00f3 i no \u00fanicament la nova quota.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">I si en lloc d\u2019una fixa m\u2019ofereixen una hipoteca mixta?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tamb\u00e9 pot ser una alternativa.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Una hipoteca mixta aplica normalment un tipus fix durant un per\u00edode inicial i posteriorment passa a un tram variable.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pot oferir un inter\u00e8s inicial atractiu, per\u00f2 has d\u2019analitzar qu\u00e8 passar\u00e0 quan finalitzi el per\u00edode fix.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">No conv\u00e9 comparar \u00fanicament el tipus promocional dels primers anys.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Canviar de variable a fixa pot tenir una comissi\u00f3 molt limitada<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La normativa hipotec\u00e0ria contempla espec\u00edficament els canvis d\u2019un pr\u00e9stec variable a un de fix, tant mitjan\u00e7ant novaci\u00f3 com mitjan\u00e7ant subrogaci\u00f3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En els pr\u00e9stecs inclosos dins l\u2019\u00e0mbit d\u2019aplicaci\u00f3 de la Llei 5\/2019, quan el canvi suposa passar d\u2019un tipus variable a un de fix \u2014o a un producte amb un primer per\u00edode fix d\u2019almenys tres anys\u2014, durant els tres primers anys la compensaci\u00f3 per reemborsament anticipat est\u00e0 limitada, en els sup\u00f2sits previstos legalment, al <strong>0,05% del capital reemborsat i mai no pot superar la p\u00e8rdua financera de l\u2019entitat<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A m\u00e9s, <strong>un cop transcorreguts els tres primers anys<\/strong>, l\u2019entitat no pot exigir aquesta compensaci\u00f3 o comissi\u00f3 per la novaci\u00f3 o subrogaci\u00f3 que realitzi aquest canvi de tipus d\u2019inter\u00e8s.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aix\u00f2 no significa que una operaci\u00f3 de canvi d\u2019hipoteca no pugui tenir altres costos. Per aix\u00f2 cada cas s\u2019ha d\u2019estudiar individualment abans d\u2019iniciar el proc\u00e9s.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">He d\u2019acceptar el que m\u2019ofereixi el meu banc?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">No.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Moltes persones pensen que, com que fa anys que paguen la hipoteca a la mateixa entitat, \u00fanicament poden negociar amb aquell banc.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La teva entitat pot intentar millorar les condicions perqu\u00e8 t\u2019hi quedis, per\u00f2 tamb\u00e9 pots estudiar ofertes d\u2019altres bancs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">De fet, saber quines condicions pots aconseguir fora et pot donar una refer\u00e8ncia molt m\u00e9s clara per valorar si l\u2019oferta de la teva entitat actual \u00e9s realment bona.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">La teva situaci\u00f3 pot ser millor que quan vas signar la hipoteca<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Hi ha un altre factor que moltes vegades passa desapercebut.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Potser vas signar la teva hipoteca fa cinc, vuit o deu anys.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Des d\u2019aleshores podries tenir:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>M\u00e9s ingressos.<\/li>\n\n\n\n<li>M\u00e9s estabilitat laboral.<\/li>\n\n\n\n<li>Menys pr\u00e9stecs personals.<\/li>\n\n\n\n<li>M\u00e9s antiguitat professional.<\/li>\n\n\n\n<li>Menys capital pendent.<\/li>\n\n\n\n<li>Un habitatge que ara t\u00e9 un valor diferent.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">En aquest cas, el perfil que analitza avui un banc pot ser considerablement millor que el que tenies quan vas contractar el pr\u00e9stec.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aix\u00f2 pot obrir la porta a noves condicions.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">La pujada de l\u2019eur\u00edbor \u00e9s un bon moment per revisar la teva hipoteca<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">No podem saber amb certesa on estar\u00e0 l\u2019eur\u00edbor d\u2019aqu\u00ed a un, cinc o deu anys.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Per\u00f2 s\u00ed que podem saber quina hipoteca tens ara i quines alternatives existeixen actualment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">I aquesta \u00e9s la comparaci\u00f3 que realment importa.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si encara deus una quantitat important i et queden molts anys per davant, <strong>unes d\u00e8cimes o un punt de difer\u00e8ncia poden representar milers o fins i tot desenes de milers d\u2019euros.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Per aix\u00f2, revisar la teva hipoteca no s\u2019hauria de fer \u00fanicament quan ja tens dificultats per assumir la quota.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tamb\u00e9 es pot fer simplement per comprovar si les condicions que vas signar fa anys continuen sent competitives.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Analitzem si et compensa passar la teva hipoteca variable a fixa<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A <strong>Hipoteca Nova<\/strong> estudiem la teva hipoteca actual i analitzem quines alternatives poden existir per millorar-la.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Revisem el capital pendent, el termini, el tipus d\u2019inter\u00e8s, les vinculacions i la teva situaci\u00f3 financera actual per comparar l\u2019operaci\u00f3 amb les condicions que poden oferir altres entitats.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Depenent del cas, valorarem si t\u00e9 m\u00e9s sentit negociar amb el teu banc, realitzar una <a href=\"https:\/\/hipotecanova.es\/ca\/serveis\/subrogacio-hipotecaria\/\" data-type=\"page\" data-id=\"800\">subrogaci\u00f3 hipotec\u00e0ria<\/a> o estudiar un <a href=\"https:\/\/hipotecanova.es\/ca\/serveis\/refinancament-hipoteca\/\" data-type=\"page\" data-id=\"809\">refinan\u00e7ament de la teva hipoteca<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">El nostre objectiu no \u00e9s canviar la teva hipoteca simplement per canviar-la.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019objectiu \u00e9s comprovar si pots aconseguir <strong>m\u00e9s estabilitat, millors condicions i un estalvi econ\u00f2mic real.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Si tens una hipoteca variable i la pujada de l\u2019eur\u00edbor est\u00e0 augmentant la teva quota, envia\u2019ns les condicions del teu pr\u00e9stec actual i estudiarem quines alternatives poden existir.<\/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\/\">Vull millorar la meva hipoteca<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Preguntes freq\u00fcents sobre canviar una hipoteca variable a fixa<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Puc passar la meva hipoteca variable a fixa?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">S\u00ed. Pots negociar una modificaci\u00f3 amb la teva entitat actual o estudiar una subrogaci\u00f3 cap a un altre banc que t\u2019ofereixi unes condicions diferents.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Necessito canviar de banc per passar a fixa?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">No necess\u00e0riament. El teu mateix banc et pot oferir una novaci\u00f3. Tanmateix, comparar altres entitats permet comprovar si la proposta que reps \u00e9s competitiva.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u00c9s millor una hipoteca fixa que una variable?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">No existeix una modalitat que sigui millor per a totes les persones. La hipoteca fixa ofereix estabilitat i elimina les variacions provocades per futures revisions de l\u2019eur\u00edbor, mentre que una variable es pot beneficiar de possibles baixades futures de l\u2019\u00edndex.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Canviar de variable a fixa sempre redueix la quota?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">No. Dependr\u00e0 del tipus que pagues actualment, de la nova oferta, del termini i del capital pendent. Tamb\u00e9 s\u2019ha d\u2019analitzar el cost total dels interessos i no \u00fanicament la quota mensual.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quant pot afectar una pujada de l\u20191%?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Dep\u00e8n del capital i del termini pendent. Com a refer\u00e8ncia, en una hipoteca de 200.000 \u20ac a 30 anys, passar d\u2019un tipus del 3% al 4% elevaria la quota aproximadament 112 \u20ac mensuals i, si aquesta difer\u00e8ncia es mantingu\u00e9s durant tot el termini, suposaria al voltant de 40.184 \u20ac addicionals en interessos.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Puc canviar la meva hipoteca encara que faci molts anys que la pago?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">S\u00ed. De fet, pot ser interessant revisar-la si la teva situaci\u00f3 econ\u00f2mica ha millorat, has redu\u00eft considerablement el capital pendent o actualment existeixen millors condicions que quan vas signar el pr\u00e9stec.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>La informaci\u00f3 continguda en aquest article t\u00e9 car\u00e0cter general i informatiu. La conveni\u00e8ncia de modificar una hipoteca dep\u00e8n de les condicions del pr\u00e9stec actual, de les noves ofertes disponibles, del perfil dels titulars i dels costos associats a l\u2019operaci\u00f3.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Font de la dada de l\u2019eur\u00edbor: Banco de Espa\u00f1a, setembre de 2026.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Si tens una hipoteca variable, probablement hagis tornat a mirar l\u2019eur\u00edbor amb m\u00e9s atenci\u00f3 durant els \u00faltims mesos. L\u2019eur\u00edbor a 12 mesos va tancar el setembre de 2026 en el 3,247%, davant del 2,954% de l\u2019agost. En nom\u00e9s dotze mesos acumula una pujada superior a un punt percentual. Per a les persones que tenen una [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1434,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[43,40],"tags":[],"class_list":["post-1433","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualitat-i-mercat","category-diccionari-hipotecari"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Puja l\u2019eur\u00edbor: com passar la teva hipoteca variable a fixa? | Hipoteca Nova<\/title>\n<meta name=\"description\" content=\"passar-hipoteca-variable-a-fixaMeta description: La teva quota torna a pujar amb l\u2019eur\u00edbor? 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