{"id":11264,"date":"2025-07-11T06:44:02","date_gmt":"2025-07-11T06:44:02","guid":{"rendered":"https:\/\/akteon.es\/?p=11264"},"modified":"2026-03-06T08:26:58","modified_gmt":"2026-03-06T08:26:58","slug":"refinancament-hipotecari","status":"publish","type":"post","link":"https:\/\/akteon.es\/ca\/refinancament-hipotecari\/","title":{"rendered":"Refinan\u00e7ament Hipotecari: En quin moment fer-ho?"},"content":{"rendered":"<div class=\"wpb-content-wrapper\">[vc_section][vc_row][vc_column][vc_column_text css=&#8221;&#8221; font_size=&#8221;15px&#8221;]Refinan\u00e7ar una hipoteca pot semblar, a simple vista, un proc\u00e9s complex o reservat nom\u00e9s per a situacions l\u00edmit, per\u00f2 en realitat es tracta d&#8217;una estrat\u00e8gia cada vegada m\u00e9s utilitzada pels qui busquen optimitzar la seva economia familiar. Ja sigui per a reduir la quota mensual, adaptar el pr\u00e9stec a noves circumst\u00e0ncies o aprofitar un moment favorable del <a href=\"https:\/\/www.bde.es\/webbe\/es\/estadisticas\/compartido\/datos\/pdf\/a0407.pdf\" target=\"_blank\" rel=\"noopener\">mercat<\/a>, el <strong>refinan\u00e7ament hipotecari<\/strong> pot convertir-se en una valuosa eina financera. Aix\u00f2 s\u00ed, l&#8217;\u00e8xit de l&#8217;operaci\u00f3 dependr\u00e0, en gran manera, de saber <strong>quan i com fer-ho<\/strong>. En aquest article et donem totes les claus.[\/vc_column_text]<div class=\"vcex-module vcex-divider vcex-divider-solid vcex-divider-center wpex-mx-auto wpex-max-w-100 wpex-block wpex-h-0 wpex-border-b wpex-border-solid wpex-border-main\" style=\"width:100%;margin-block:30px;border-bottom-width:1px;border-color:#00000024;\"><\/div><style>.vcex-heading.vcex_69e770f42512a{color:var(--wpex-accent);font-size:26px;}<\/style><h2 class=\"vcex-heading vcex-heading-plain vcex-module wpex-heading wpex-text-2xl wpex-mt-30 wpex-mb-15 vcex_69e770f42512a\"><span class=\"vcex-heading-inner wpex-inline-block\">L'oportunitat de comen\u00e7ar de nou amb la teva hipoteca<\/span><\/h2>[vc_column_text css=&#8221;&#8221;]Una hipoteca no t\u00e9 per qu\u00e8 ser un comprom\u00eds inamovible fins a l&#8217;\u00faltim euro. Al contrari: les circumst\u00e0ncies canvien \u2014en el mercat i en la teva vida\u2014 i, amb elles, tamb\u00e9 pot canviar la teva estrat\u00e8gia financera. \u00c9s aqu\u00ed on entra en joc el refinan\u00e7ament hipotecari, una eina cada vegada m\u00e9s utilitzada per a millorar les condicions d&#8217;un pr\u00e9stec vigent.<br \/>\nA trav\u00e9s d&#8217;un refinan\u00e7ament pots reduir la teva quota mensual, canviar el tipus d&#8217;inter\u00e8s, ajustar el termini, obtenir liquiditat addicional o fins i tot traslladar la teva hipoteca a un altre banc. Per\u00f2 no sempre compensa. I, sobretot, no tots els moments s\u00f3n adequats. En aquest article t&#8217;expliquem quan \u00e9s convenient plantejar-l&#8217;hi, com fer-ho amb garanties i quins aspectes has de tenir en compte perqu\u00e8 l&#8217;operaci\u00f3 sigui beneficiosa.[\/vc_column_text]<div class=\"vcex-module vcex-divider vcex-divider-solid vcex-divider-center wpex-mx-auto wpex-max-w-100 wpex-block wpex-h-0 wpex-border-b wpex-border-solid wpex-border-main\" style=\"width:100%;margin-block:30px;border-bottom-width:1px;border-color:#00000024;\"><\/div><style>.vcex-heading.vcex_69e770f42620f{color:var(--wpex-accent);font-size:26px;}<\/style><h2 class=\"vcex-heading vcex-heading-plain vcex-module wpex-heading wpex-text-2xl wpex-mt-30 wpex-mb-15 vcex_69e770f42620f\"><span class=\"vcex-heading-inner wpex-inline-block\">Qu\u00e8 \u00e9s un refinan\u00e7ament hipotecari?<\/span><\/h2>[vc_column_text css=&#8221;&#8221;]El refinan\u00e7ament hipotecari \u00e9s el proc\u00e9s mitjan\u00e7ant el qual es modifica una hipoteca ja existent per a millorar les seves condicions. Aix\u00f2 pot fer-se amb el mateix banc amb el qual vas signar la hipoteca original o b\u00e9 traslladant-la a una altra entitat financera que ofereixi millors condicions. En tots dos casos, l&#8217;objectiu \u00e9s clar: adaptar el pr\u00e9stec a la teva situaci\u00f3 actual per a aconseguir un major estalvi, reduir el termini o la quota mensual, o fins i tot unificar deutes.<br \/>\nSovint, es tendeix a confondre aquest proc\u00e9s amb una subrogaci\u00f3 o una novaci\u00f3, per\u00f2 el <strong>refinan\u00e7ament hipotecari<\/strong> \u00e9s un terme m\u00e9s ampli que pot englobar totes dues accions, depenent del tipus de canvi que s&#8217;apliqui (de banc o de condicions dins del mateix banc).<br \/>\nRefinan\u00e7ar no significa \u201ctornar a comen\u00e7ar\u201d des de zero, sin\u00f3 renegociar amb intel\u00b7lig\u00e8ncia perqu\u00e8 la teva hipoteca s&#8217;ajusti millor a la teva capacitat econ\u00f2mica i als nous contextos del mercat.[\/vc_column_text]<div class=\"vcex-module vcex-divider vcex-divider-solid vcex-divider-center wpex-mx-auto wpex-max-w-100 wpex-block wpex-h-0 wpex-border-b wpex-border-solid wpex-border-main\" style=\"width:100%;margin-block:30px;border-bottom-width:1px;border-color:#00000024;\"><\/div><style>.vcex-heading.vcex_69e770f426fa1{color:var(--wpex-accent);font-size:26px;}<\/style><h2 class=\"vcex-heading vcex-heading-plain vcex-module wpex-heading wpex-text-2xl wpex-mt-30 wpex-mb-15 vcex_69e770f426fa1\"><span class=\"vcex-heading-inner wpex-inline-block\">Difer\u00e8ncies entre refinan\u00e7ament, novaci\u00f3 i subrogaci\u00f3 hipotec\u00e0ria<\/span><\/h2>[vc_column_text css=&#8221;&#8221;]Quan parlem de refinan\u00e7ament hipotecari, ens referim a la possibilitat de modificar les condicions d&#8217;una hipoteca ja existent. Aix\u00f2 pot fer-se a trav\u00e9s de dues vies:<br \/>\n\u2022 <strong>Novaci\u00f3:<\/strong> renegociar les condicions amb el teu banc actual.<br \/>\n\u2022 <strong>Subrogaci\u00f3:<\/strong> canviar la hipoteca a un altre banc que ofereixi millors condicions.<\/p>\n<p>Encara que solen utilitzar-se com a sin\u00f2nims en moltes converses, refinan\u00e7ament, novaci\u00f3 i subrogaci\u00f3 hipotec\u00e0ria no s\u00f3n el mateix. Comprendre la difer\u00e8ncia entre aquests termes \u00e9s clau per a prendre la millor decisi\u00f3 financera:<br \/>\n\u2022 <strong>Refinan\u00e7ament hipotecari<\/strong><br \/>\n\u00c9s el concepte m\u00e9s ampli. Inclou qualsevol modificaci\u00f3 d&#8217;una hipoteca amb la finalitat de millorar les seves condicions. Pot fer-se tant amb l&#8217;entitat actual com amb una nova. Dins d&#8217;aquesta categoria es troben la novaci\u00f3 i la subrogaci\u00f3 com a eines concretes.<br \/>\n\u2022 <strong>Novaci\u00f3 hipotec\u00e0ria<\/strong><br \/>\nEs produeix quan renegocies els termes del teu pr\u00e9stec amb el mateix banc. Pots canviar el tipus d&#8217;inter\u00e8s, el termini, l&#8217;import pendent o fins i tot afegir o llevar titulars. No canvia l&#8217;entitat prestadora, sin\u00f3 nom\u00e9s les condicions del contracte.<br \/>\n\u2022 <strong>Subrogaci\u00f3 hipotec\u00e0ria<\/strong><br \/>\nImplica el canvi de banc. Consisteix a traslladar la hipoteca a una altra entitat que ofereix millors condicions, com un inter\u00e8s m\u00e9s baix o una major flexibilitat en el pagament. En aquest cas, \u00e9s la nova entitat la que paga el deute pendent a l&#8217;anterior i assumeix la hipoteca.<\/p>\n<p>El refinan\u00e7ament \u00e9s el proc\u00e9s general, la novaci\u00f3 \u00e9s una modificaci\u00f3 interna amb el teu banc actual i la subrogaci\u00f3 \u00e9s un canvi de banc. Cada opci\u00f3 t\u00e9 els seus avantatges i costos associats, per la qual cosa \u00e9s fonamental analitzar b\u00e9 el teu cas abans de prendre una decisi\u00f3.<\/p>\n<p>Per\u00f2, per qu\u00e8 alg\u00fa voldria renegociar la seva hipoteca? Les raons s\u00f3n m\u00faltiples: des d&#8217;una baixada general dels tipus d&#8217;inter\u00e8s fins a una millora en la situaci\u00f3 financera personal, passant pel desig d&#8217;eliminar productes vinculats o la necessitat de comptar amb m\u00e9s liquiditat.[\/vc_column_text]<div class=\"vcex-module vcex-divider vcex-divider-solid vcex-divider-center wpex-mx-auto wpex-max-w-100 wpex-block wpex-h-0 wpex-border-b wpex-border-solid wpex-border-main\" style=\"width:100%;margin-block:30px;border-bottom-width:1px;border-color:#00000024;\"><\/div><style>.vcex-heading.vcex_69e770f427cff{color:var(--wpex-accent);font-size:26px;}<\/style><h2 class=\"vcex-heading vcex-heading-plain vcex-module wpex-heading wpex-text-2xl wpex-mt-30 wpex-mb-15 vcex_69e770f427cff\"><span class=\"vcex-heading-inner wpex-inline-block\">Moments clau en els quals pot interessar refinan\u00e7ar una hipoteca<\/span><\/h2>[vc_column_text css=&#8221;&#8221;]Refinan\u00e7ar una hipoteca no \u00e9s una decisi\u00f3 que hagi de prendre&#8217;s a la lleugera, per\u00f2 hi ha determinades circumst\u00e0ncies en les quals pot convertir-se en una eina molt \u00fatil per a millorar la teva situaci\u00f3 financera. Identificar el moment adequat \u00e9s tan important com triar b\u00e9 les noves condicions. A continuaci\u00f3, et vam mostrar alguns dels escenaris m\u00e9s comuns en els quals plantejar-se un refinan\u00e7ament hipotecari pot marcar la difer\u00e8ncia.<\/p>\n<p><strong>1. Quan els tipus d&#8217;inter\u00e8s han baixat significativament<\/strong><br \/>\n\u00c9s un dels escenaris m\u00e9s comuns. Si vas signar la teva hipoteca amb un tipus d&#8217;inter\u00e8s fix o variable alt i el mercat ha evolucionat a la baixa, pots estar pagant m\u00e9s del necessari cada mes. Refinan\u00e7ar en aquest cas pot suposar un estalvi notable al llarg dels anys, fins i tot si comporta unes certes despeses associades.<\/p>\n<p><strong>2. Si la teva situaci\u00f3 financera ha millorat<\/strong><br \/>\nUna pujada d&#8217;ingressos, la cancel\u00b7laci\u00f3 d&#8217;altres deutes o una millor puntuaci\u00f3 credit\u00edcia s\u00f3n factors que poden donar-te m\u00e9s poder de negociaci\u00f3 davant el banc. En aquests casos, pot valer la pena sol\u00b7licitar un refinan\u00e7ament per a eliminar productes vinculats, reduir l&#8217;inter\u00e8s o escur\u00e7ar el termini.<\/p>\n<p><strong>3. Per a canviar el tipus d&#8217;inter\u00e8s<\/strong><br \/>\nMolts titulars d&#8217;hipoteques variables es plantegen passar a tipus fix per a assegurar-se quotes estables, especialment en contextos d&#8217;incertesa econ\u00f2mica o de pujada de l&#8217;Eur\u00edbor. El contrari tamb\u00e9 pot tenir sentit si creus que els tipus baixaran i est\u00e0s en un tipus fix elevat.<\/p>\n<p><strong>4. Quan necessites reduir la quota mensual<\/strong><br \/>\nSi la teva situaci\u00f3 econ\u00f2mica s&#8217;ha complicat i necessites un respir financer, refinan\u00e7ar per a allargar el termini pot ser una soluci\u00f3. Aix\u00f2 s\u00ed, aix\u00f2 comportar\u00e0 un major cost total per interessos, per la qual cosa ha de valorar-se acuradament. Llegeix l&#8217;article &#8220;<a href=\"https:\/\/akteon.es\/ca\/com-es-calcula-la-quota-de-la-hipoteca\/\" target=\"_blank\" rel=\"noopener\">Com es calcula la cuota de la hipoteca?<\/a>&#8221; per tenir m\u00e9s informaci\u00f3 a l&#8217;hora de refinan\u00e7ar una hipoteca.<\/p>\n<p><strong>5. Si necessites liquiditat addicional<\/strong><br \/>\nUna altra opci\u00f3 \u00e9s ampliar el capital hipotecari per a obtenir diners l\u00edquids. Aquesta modalitat de refinan\u00e7ament permet finan\u00e7ar projectes com a reformes, estudis o inversions personals, amb un inter\u00e8s menor que un pr\u00e9stec al consum.[\/vc_column_text]<div class=\"vcex-module vcex-divider vcex-divider-solid vcex-divider-center wpex-mx-auto wpex-max-w-100 wpex-block wpex-h-0 wpex-border-b wpex-border-solid wpex-border-main\" style=\"width:100%;margin-block:30px;border-bottom-width:1px;border-color:#00000024;\"><\/div><style>.vcex-heading.vcex_69e770f428ab5{color:var(--wpex-accent);font-size:26px;}<\/style><h2 class=\"vcex-heading vcex-heading-plain vcex-module wpex-heading wpex-text-2xl wpex-mt-30 wpex-mb-15 vcex_69e770f428ab5\"><span class=\"vcex-heading-inner wpex-inline-block\">Sempre compensa refinan\u00e7ar?<\/span><\/h2>[vc_column_text css=&#8221;&#8221;]No. De fet, un dels errors m\u00e9s comuns \u00e9s llan\u00e7ar-se a un refinan\u00e7ament sense haver fet els n\u00fameros adequats. Hi ha situacions en les quals pot no interessar:<br \/>\n\u2022 Si la hipoteca \u00e9s pr\u00f2xima al seu venciment.<br \/>\n\u2022 Si les despeses de cancel\u00b7laci\u00f3 o notaria s\u00f3n molt elevats.<br \/>\n\u2022 Si la nova oferta no suposa una millora significativa respecte a l&#8217;actual.<br \/>\n\u2022 Si el banc exigeix productes vinculats amb alt cost.<br \/>\nAbans de prendre cap decisi\u00f3, \u00e9s important realitzar una an\u00e0lisi comparativa de les condicions actuals i les noves. En\u00a0\u00c0kteon, per exemple, realitzem estudis personalitzats i neutrals per a ajudar-te a determinar si \u00e9s o no convenient en el teu cas.[\/vc_column_text]<div class=\"vcex-module vcex-divider vcex-divider-solid vcex-divider-center wpex-mx-auto wpex-max-w-100 wpex-block wpex-h-0 wpex-border-b wpex-border-solid wpex-border-main\" style=\"width:100%;margin-block:30px;border-bottom-width:1px;border-color:#00000024;\"><\/div><style>.vcex-heading.vcex_69e770f429905{color:var(--wpex-accent);font-size:26px;}<\/style><h2 class=\"vcex-heading vcex-heading-plain vcex-module wpex-heading wpex-text-2xl wpex-mt-30 wpex-mb-15 vcex_69e770f429905\"><span class=\"vcex-heading-inner wpex-inline-block\">Qu\u00e8 tenir en compte abans de refinan\u00e7ar<\/span><\/h2>[vc_column_text css=&#8221;&#8221;]Un refinan\u00e7ament pot ajudar-te, per\u00f2 tamb\u00e9 pot hipotecar-te encara m\u00e9s si no es gestiona b\u00e9. Alguns aspectes clau que has de considerar:<br \/>\n\u2022 <strong>Comissions d&#8217;amortitzaci\u00f3 anticipada<\/strong>: tant en la hipoteca actual com en la futura.<br \/>\n\u2022 <strong>Despeses de formalitzaci\u00f3<\/strong>: notaria, registre, gestoria, taxaci\u00f3\u2026 En alguns casos el banc els assumeix, per\u00f2 no sempre.<br \/>\n\u2022 <strong>Ofertes vinculades<\/strong>: molts bancs condicionen el refinan\u00e7ament a contractar assegurances, targetes o plans de pensions. Calcula el seu cost real. Vols saber m\u00e9s sobre <a href=\"https:\/\/akteon.es\/ca\/hipoteca-sense-vinculacions\/\" target=\"_blank\" rel=\"noopener\">Hipoteques sense vinculacions<\/a>?<br \/>\n\u2022 Durada del nou pr\u00e9stec: allargar el termini redueix la quota mensual, per\u00f2 augmenta el cost total.<br \/>\nI, per descomptat, no signis res sense llegir la lletra petita. El que sembla una millora immediata pot tornar-se en contra teva si no s&#8217;ajusta al teu perfil financer real.[\/vc_column_text]<div class=\"vcex-module vcex-divider vcex-divider-solid vcex-divider-center wpex-mx-auto wpex-max-w-100 wpex-block wpex-h-0 wpex-border-b wpex-border-solid wpex-border-main\" style=\"width:100%;margin-block:30px;border-bottom-width:1px;border-color:#00000024;\"><\/div><style>.vcex-heading.vcex_69e770f42a6e9{color:var(--wpex-accent);font-size:26px;}<\/style><h2 class=\"vcex-heading vcex-heading-plain vcex-module wpex-heading wpex-text-2xl wpex-mt-30 wpex-mb-15 vcex_69e770f42a6e9\"><span class=\"vcex-heading-inner wpex-inline-block\">Com negociar un bon refinan\u00e7ament<\/span><\/h2>[vc_column_text css=&#8221;&#8221;]Negocia si pots fer amortitzacions parcials sense penalitzaci\u00f3, si pots canviar de tipus d&#8217;inter\u00e8s al llarg del temps o si pots adaptar quotes en funci\u00f3 dels teus ingressos.[\/vc_column_text]<div class=\"vcex-module vcex-divider vcex-divider-solid vcex-divider-center wpex-mx-auto wpex-max-w-100 wpex-block wpex-h-0 wpex-border-b wpex-border-solid wpex-border-main\" style=\"width:100%;margin-block:30px;border-bottom-width:1px;border-color:#00000024;\"><\/div><style>.vcex-heading.vcex_69e770f42b4a8{color:var(--wpex-accent);font-size:26px;}<\/style><h2 class=\"vcex-heading vcex-heading-plain vcex-module wpex-heading wpex-text-2xl wpex-mt-30 wpex-mb-15 vcex_69e770f42b4a8\"><span class=\"vcex-heading-inner wpex-inline-block\">Presenta una proposta tancada i argumentada<\/span><\/h2>[vc_column_text css=&#8221;&#8221;]La negociaci\u00f3 amb el banc no \u00e9s un tr\u00e0mit: \u00e9s una part essencial del proc\u00e9s. Alguns consells pr\u00e0ctics:<br \/>\n\u2022 <strong>Prepara&#8217;t b\u00e9<\/strong>: tingues a m\u00e0 tota la documentaci\u00f3 sobre la teva hipoteca, la teva situaci\u00f3 financera actual i ofertes d&#8217;altres bancs si les tens.<br \/>\n\u2022 <strong>No acceptis el primer que t&#8217;ofereixin<\/strong>: recorda que el banc vol retenir-te. Si percep que tens opcions reals de canviar d&#8217;entitat, estar\u00e0 m\u00e9s disposat a millorar les condicions.<br \/>\n\u2022 <strong>Consulta amb un intermediari hipotecari<\/strong>: en\u00a0\u00c0kteon\u00a0treballem amb diverses entitats i podem ajudar-te a aconseguir ofertes m\u00e9s competitives. A m\u00e9s, valorem el teu perfil de manera independent.<br \/>\n\u2022 <strong>Calcula el cost real<\/strong>: no et quedis amb la quota mensual. Mira el\u00a0TAE, el total a pagar i les despeses associades a l&#8217;operaci\u00f3.[\/vc_column_text]<div class=\"vcex-module vcex-divider vcex-divider-solid vcex-divider-center wpex-mx-auto wpex-max-w-100 wpex-block wpex-h-0 wpex-border-b wpex-border-solid wpex-border-main\" style=\"width:100%;margin-block:30px;border-bottom-width:1px;border-color:#00000024;\"><\/div><style>.vcex-heading.vcex_69e770f42c1f0{color:var(--wpex-accent);font-size:26px;}<\/style><h2 class=\"vcex-heading vcex-heading-plain vcex-module wpex-heading wpex-text-2xl wpex-mt-30 wpex-mb-15 vcex_69e770f42c1f0\"><span class=\"vcex-heading-inner wpex-inline-block\">Millor amb assessorament que nom\u00e9s<\/span><\/h2>[vc_column_text css=&#8221;&#8221;]El refinan\u00e7ament hipotecari pot ser una eina poderosa per a equilibrar les teves finances, per\u00f2 no \u00e9s una decisi\u00f3 menor. Analitzar, comparar i negociar s\u00f3n passos imprescindibles perqu\u00e8 el canvi realment valgui la pena.<\/p>\n<p>Si est\u00e0s considerant un refinan\u00e7ament, et recomanem donar-te suport en experts com l&#8217;equip de\u00a0<a href=\"https:\/\/akteon.es\/ca\/\" target=\"_blank\" rel=\"noopener\">\u00c0kteon<\/a>, on treballem per a ajudar-te a trobar la soluci\u00f3 hipotec\u00e0ria que millor s&#8217;adapta a la teva realitat. A vegades, el moment adequat no dep\u00e8n tant del mercat com de tu mateix.[\/vc_column_text]<div class=\"vcex-module vcex-divider vcex-divider-solid vcex-divider-center wpex-mx-auto wpex-max-w-100 wpex-block wpex-h-0 wpex-border-b wpex-border-solid wpex-border-main\" style=\"width:100%;margin-block:30px;border-bottom-width:1px;border-color:#00000024;\"><\/div>[\/vc_column][\/vc_row][\/vc_section]\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_section][vc_row][vc_column][vc_column_text css=&#8221;&#8221; font_size=&#8221;15px&#8221;]Refinan\u00e7ar una hipoteca pot semblar, a simple vista, un proc\u00e9s complex o reservat nom\u00e9s per a situacions l\u00edmit, per\u00f2 en realitat es tracta d&#8217;una estrat\u00e8gia cada vegada m\u00e9s utilitzada pels qui busquen optimitzar la seva economia familiar. Ja sigui per a reduir la quota mensual, adaptar el pr\u00e9stec a noves circumst\u00e0ncies o aprofitar&hellip;<\/p>\n","protected":false},"author":1,"featured_media":11270,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_joinchat":[],"footnotes":""},"categories":[34,36],"tags":[],"post_series":[],"class_list":["post-11264","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-hipoteques","category-noticia-destacada-ca","entry","has-media"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Refinan\u00e7ament Hipotecari: En quin moment fer-ho? - \u00c0kteon<\/title>\n<meta name=\"description\" content=\"El refinan\u00e7ament hipotecari pot ajudar-te a millorar les condicions financeres, per\u00f2 no sempre \u00e9s recomanable. Quan i com fer-ho?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/akteon.es\/ca\/refinancament-hipotecari\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Refinan\u00e7ament Hipotecari: En quin moment fer-ho? - \u00c0kteon\" \/>\n<meta property=\"og:description\" content=\"El refinan\u00e7ament hipotecari pot ajudar-te a millorar les condicions financeres, per\u00f2 no sempre \u00e9s recomanable. Quan i com fer-ho?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/akteon.es\/ca\/refinancament-hipotecari\/\" \/>\n<meta property=\"og:site_name\" content=\"\u00c0kteon\" \/>\n<meta property=\"article:published_time\" content=\"2025-07-11T06:44:02+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-06T08:26:58+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/akteon.es\/wp-content\/uploads\/2025\/07\/Refinancament-Hipotecari.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1500\" \/>\n\t<meta property=\"og:image:height\" content=\"1000\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrit per\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Temps estimat de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minuts\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/akteon.es\/ca\/refinancament-hipotecari\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/akteon.es\/ca\/refinancament-hipotecari\/\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\/\/akteon.es\/#\/schema\/person\/2f47d7c67b83b21923c3ebd7950fab71\"},\"headline\":\"Refinan\u00e7ament Hipotecari: En quin moment fer-ho?\",\"datePublished\":\"2025-07-11T06:44:02+00:00\",\"dateModified\":\"2026-03-06T08:26:58+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/akteon.es\/ca\/refinancament-hipotecari\/\"},\"wordCount\":2063,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/akteon.es\/#organization\"},\"image\":{\"@id\":\"https:\/\/akteon.es\/ca\/refinancament-hipotecari\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/akteon.es\/wp-content\/uploads\/2025\/07\/Refinancament-Hipotecari.jpg\",\"articleSection\":[\"Hipoteques\",\"Not\u00edcia Destacada\"],\"inLanguage\":\"ca\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/akteon.es\/ca\/refinancament-hipotecari\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/akteon.es\/ca\/refinancament-hipotecari\/\",\"url\":\"https:\/\/akteon.es\/ca\/refinancament-hipotecari\/\",\"name\":\"Refinan\u00e7ament Hipotecari: En quin moment fer-ho? - \u00c0kteon\",\"isPartOf\":{\"@id\":\"https:\/\/akteon.es\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/akteon.es\/ca\/refinancament-hipotecari\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/akteon.es\/ca\/refinancament-hipotecari\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/akteon.es\/wp-content\/uploads\/2025\/07\/Refinancament-Hipotecari.jpg\",\"datePublished\":\"2025-07-11T06:44:02+00:00\",\"dateModified\":\"2026-03-06T08:26:58+00:00\",\"description\":\"El refinan\u00e7ament hipotecari pot ajudar-te a millorar les condicions financeres, per\u00f2 no sempre \u00e9s recomanable. Quan i com fer-ho?\",\"breadcrumb\":{\"@id\":\"https:\/\/akteon.es\/ca\/refinancament-hipotecari\/#breadcrumb\"},\"inLanguage\":\"ca\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/akteon.es\/ca\/refinancament-hipotecari\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"ca\",\"@id\":\"https:\/\/akteon.es\/ca\/refinancament-hipotecari\/#primaryimage\",\"url\":\"https:\/\/akteon.es\/wp-content\/uploads\/2025\/07\/Refinancament-Hipotecari.jpg\",\"contentUrl\":\"https:\/\/akteon.es\/wp-content\/uploads\/2025\/07\/Refinancament-Hipotecari.jpg\",\"width\":1500,\"height\":1000,\"caption\":\"Refinan\u00e7ament hipotecar\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/akteon.es\/ca\/refinancament-hipotecari\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/akteon.es\/ca\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Refinan\u00e7ament Hipotecari: En quin moment fer-ho?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/akteon.es\/#website\",\"url\":\"https:\/\/akteon.es\/\",\"name\":\"\u00c0kteon\",\"description\":\"Especialistes en hipoteques\",\"publisher\":{\"@id\":\"https:\/\/akteon.es\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/akteon.es\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"ca\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/akteon.es\/#organization\",\"name\":\"\u00c0kteon\",\"url\":\"https:\/\/akteon.es\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ca\",\"@id\":\"https:\/\/akteon.es\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/akteon.es\/wp-content\/uploads\/2026\/03\/Akteon_normal.svg\",\"contentUrl\":\"https:\/\/akteon.es\/wp-content\/uploads\/2026\/03\/Akteon_normal.svg\",\"caption\":\"\u00c0kteon\"},\"image\":{\"@id\":\"https:\/\/akteon.es\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/akteon.es\/#\/schema\/person\/2f47d7c67b83b21923c3ebd7950fab71\",\"name\":\"admin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ca\",\"@id\":\"https:\/\/akteon.es\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/b700de3fbacf65d2172195421a8a4e102dc309b05c27fcba8fef83dc40c8a1af?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/b700de3fbacf65d2172195421a8a4e102dc309b05c27fcba8fef83dc40c8a1af?s=96&d=mm&r=g\",\"caption\":\"admin\"},\"url\":\"https:\/\/akteon.es\/ca\/author\/admin2\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Refinan\u00e7ament Hipotecari: En quin moment fer-ho? - \u00c0kteon","description":"El refinan\u00e7ament hipotecari pot ajudar-te a millorar les condicions financeres, per\u00f2 no sempre \u00e9s recomanable. Quan i com fer-ho?","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/akteon.es\/ca\/refinancament-hipotecari\/","og_locale":"ca_ES","og_type":"article","og_title":"Refinan\u00e7ament Hipotecari: En quin moment fer-ho? - \u00c0kteon","og_description":"El refinan\u00e7ament hipotecari pot ajudar-te a millorar les condicions financeres, per\u00f2 no sempre \u00e9s recomanable. Quan i com fer-ho?","og_url":"https:\/\/akteon.es\/ca\/refinancament-hipotecari\/","og_site_name":"\u00c0kteon","article_published_time":"2025-07-11T06:44:02+00:00","article_modified_time":"2026-03-06T08:26:58+00:00","og_image":[{"width":1500,"height":1000,"url":"https:\/\/akteon.es\/wp-content\/uploads\/2025\/07\/Refinancament-Hipotecari.jpg","type":"image\/jpeg"}],"author":"admin","twitter_card":"summary_large_image","twitter_misc":{"Escrit per":"admin","Temps estimat de lectura":"8 minuts"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/akteon.es\/ca\/refinancament-hipotecari\/#article","isPartOf":{"@id":"https:\/\/akteon.es\/ca\/refinancament-hipotecari\/"},"author":{"name":"admin","@id":"https:\/\/akteon.es\/#\/schema\/person\/2f47d7c67b83b21923c3ebd7950fab71"},"headline":"Refinan\u00e7ament Hipotecari: En quin moment fer-ho?","datePublished":"2025-07-11T06:44:02+00:00","dateModified":"2026-03-06T08:26:58+00:00","mainEntityOfPage":{"@id":"https:\/\/akteon.es\/ca\/refinancament-hipotecari\/"},"wordCount":2063,"commentCount":0,"publisher":{"@id":"https:\/\/akteon.es\/#organization"},"image":{"@id":"https:\/\/akteon.es\/ca\/refinancament-hipotecari\/#primaryimage"},"thumbnailUrl":"https:\/\/akteon.es\/wp-content\/uploads\/2025\/07\/Refinancament-Hipotecari.jpg","articleSection":["Hipoteques","Not\u00edcia Destacada"],"inLanguage":"ca","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/akteon.es\/ca\/refinancament-hipotecari\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/akteon.es\/ca\/refinancament-hipotecari\/","url":"https:\/\/akteon.es\/ca\/refinancament-hipotecari\/","name":"Refinan\u00e7ament Hipotecari: En quin moment fer-ho? - \u00c0kteon","isPartOf":{"@id":"https:\/\/akteon.es\/#website"},"primaryImageOfPage":{"@id":"https:\/\/akteon.es\/ca\/refinancament-hipotecari\/#primaryimage"},"image":{"@id":"https:\/\/akteon.es\/ca\/refinancament-hipotecari\/#primaryimage"},"thumbnailUrl":"https:\/\/akteon.es\/wp-content\/uploads\/2025\/07\/Refinancament-Hipotecari.jpg","datePublished":"2025-07-11T06:44:02+00:00","dateModified":"2026-03-06T08:26:58+00:00","description":"El refinan\u00e7ament hipotecari pot ajudar-te a millorar les condicions financeres, per\u00f2 no sempre \u00e9s recomanable. Quan i com fer-ho?","breadcrumb":{"@id":"https:\/\/akteon.es\/ca\/refinancament-hipotecari\/#breadcrumb"},"inLanguage":"ca","potentialAction":[{"@type":"ReadAction","target":["https:\/\/akteon.es\/ca\/refinancament-hipotecari\/"]}]},{"@type":"ImageObject","inLanguage":"ca","@id":"https:\/\/akteon.es\/ca\/refinancament-hipotecari\/#primaryimage","url":"https:\/\/akteon.es\/wp-content\/uploads\/2025\/07\/Refinancament-Hipotecari.jpg","contentUrl":"https:\/\/akteon.es\/wp-content\/uploads\/2025\/07\/Refinancament-Hipotecari.jpg","width":1500,"height":1000,"caption":"Refinan\u00e7ament hipotecar"},{"@type":"BreadcrumbList","@id":"https:\/\/akteon.es\/ca\/refinancament-hipotecari\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/akteon.es\/ca\/"},{"@type":"ListItem","position":2,"name":"Refinan\u00e7ament Hipotecari: En quin moment fer-ho?"}]},{"@type":"WebSite","@id":"https:\/\/akteon.es\/#website","url":"https:\/\/akteon.es\/","name":"\u00c0kteon","description":"Especialistes en hipoteques","publisher":{"@id":"https:\/\/akteon.es\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/akteon.es\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"ca"},{"@type":"Organization","@id":"https:\/\/akteon.es\/#organization","name":"\u00c0kteon","url":"https:\/\/akteon.es\/","logo":{"@type":"ImageObject","inLanguage":"ca","@id":"https:\/\/akteon.es\/#\/schema\/logo\/image\/","url":"https:\/\/akteon.es\/wp-content\/uploads\/2026\/03\/Akteon_normal.svg","contentUrl":"https:\/\/akteon.es\/wp-content\/uploads\/2026\/03\/Akteon_normal.svg","caption":"\u00c0kteon"},"image":{"@id":"https:\/\/akteon.es\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/akteon.es\/#\/schema\/person\/2f47d7c67b83b21923c3ebd7950fab71","name":"admin","image":{"@type":"ImageObject","inLanguage":"ca","@id":"https:\/\/akteon.es\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/b700de3fbacf65d2172195421a8a4e102dc309b05c27fcba8fef83dc40c8a1af?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/b700de3fbacf65d2172195421a8a4e102dc309b05c27fcba8fef83dc40c8a1af?s=96&d=mm&r=g","caption":"admin"},"url":"https:\/\/akteon.es\/ca\/author\/admin2\/"}]}},"_links":{"self":[{"href":"https:\/\/akteon.es\/ca\/wp-json\/wp\/v2\/posts\/11264","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/akteon.es\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/akteon.es\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/akteon.es\/ca\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/akteon.es\/ca\/wp-json\/wp\/v2\/comments?post=11264"}],"version-history":[{"count":6,"href":"https:\/\/akteon.es\/ca\/wp-json\/wp\/v2\/posts\/11264\/revisions"}],"predecessor-version":[{"id":11275,"href":"https:\/\/akteon.es\/ca\/wp-json\/wp\/v2\/posts\/11264\/revisions\/11275"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/akteon.es\/ca\/wp-json\/wp\/v2\/media\/11270"}],"wp:attachment":[{"href":"https:\/\/akteon.es\/ca\/wp-json\/wp\/v2\/media?parent=11264"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/akteon.es\/ca\/wp-json\/wp\/v2\/categories?post=11264"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/akteon.es\/ca\/wp-json\/wp\/v2\/tags?post=11264"},{"taxonomy":"post_series","embeddable":true,"href":"https:\/\/akteon.es\/ca\/wp-json\/wp\/v2\/post_series?post=11264"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}