{"id":3085,"date":"2024-12-09T12:09:07","date_gmt":"2024-12-09T12:09:07","guid":{"rendered":"https:\/\/akteon.es\/?p=3085"},"modified":"2026-03-06T08:39:33","modified_gmt":"2026-03-06T08:39:33","slug":"despeses-associades-a-una-hipoteca-com-afecten","status":"publish","type":"post","link":"https:\/\/akteon.es\/ca\/despeses-associades-a-una-hipoteca-com-afecten\/","title":{"rendered":"Despeses associades a una hipoteca: Com afecten?"},"content":{"rendered":"<div class=\"wpb-content-wrapper\">[vc_section][vc_row][vc_column]<style>.vcex-heading.vcex_69e7888c555aa{color:var(--wpex-accent);font-size:18px;}<\/style><h4 class=\"vcex-heading vcex-heading-plain vcex-module wpex-heading wpex-text-2xl wpex-mb-15 vcex_69e7888c555aa\"><span class=\"vcex-heading-inner wpex-inline-block\">Introducci\u00f3<\/span><\/h4>[vc_column_text css=&#8221;&#8221; font_size=&#8221;15px&#8221;]Contractar una hipoteca \u00e9s un pas clau en la compra d\u2019un habitatge, per\u00f2 no nom\u00e9s implica pagar el preu de l\u2019immoble o negociar el tipus d\u2019inter\u00e8s amb el banc. Tamb\u00e9 existeix una s\u00e8rie de despeses associades al proc\u00e9s que \u00e9s fonamental con\u00e8ixer per planificar el teu pressupost de manera adequada. Aquestes despeses, que inclouen des de la taxaci\u00f3 de l\u2019immoble fins als impostos i les comissions, varien segons la normativa, l\u2019entitat banc\u00e0ria i la comunitat aut\u00f2noma.<\/p>\n<p>En aquest article, detallarem cadascuna de les despeses associades a una hipoteca, qui les ha d\u2019assumir i com calcular-les. A m\u00e9s, inclourem un exemple num\u00e8ric perqu\u00e8 puguis visualitzar de manera pr\u00e0ctica com es distribueixen aquests costos.[\/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-start:30px;border-bottom-width:1px;border-color:#00000024;\"><\/div><style>.vcex-heading.vcex_69e7888c56aeb{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_69e7888c56aeb\"><span class=\"vcex-heading-inner wpex-inline-block\">Qu\u00e8 s\u00f3n les despeses associades a una hipoteca?<\/span><\/h2>[vc_column_text css=&#8221;&#8221;]Les <strong>despeses associades a una hipoteca<\/strong> s\u00f3n els costos derivats de les gestions administratives, notarials, fiscals i banc\u00e0ries necess\u00e0ries per formalitzar el pr\u00e9stec hipotecari i adquirir un habitatge. Encara que des de la <a href=\"https:\/\/www.boe.es\/buscar\/act.php?id=BOE-A-2019-3814\">Llei 5\/2019<\/a> moltes d\u2019aquestes despeses recauen en les entitats financeres, n\u2019hi ha algunes que continuen sent responsabilitat del client.<\/p>\n<p>Tenir clar quines despeses haur\u00e0s d\u2019assumir com a client \u00e9s crucial per evitar sorpreses i garantir que comptes amb els recursos necessaris per afrontar la compra del teu habitatge.[\/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-start:30px;border-bottom-width:1px;border-color:#00000024;\"><\/div><style>.vcex-heading.vcex_69e7888c5750d{color:var(--wpex-accent);font-size:24px;}<\/style><h2 class=\"vcex-heading vcex-heading-plain vcex-module wpex-heading wpex-text-2xl wpex-mt-30 wpex-mb-15 vcex_69e7888c5750d\"><span class=\"vcex-heading-inner wpex-inline-block\">Principals despeses associades a una hipoteca<\/span><\/h2><style>.vcex-heading.vcex_69e7888c57b34{color:var(--wpex-accent-alt);font-size:20px;}<\/style><h3 class=\"vcex-heading vcex-heading-plain vcex-module wpex-heading wpex-text-2xl wpex-mt-30 wpex-mb-15 vcex_69e7888c57b34\"><span class=\"vcex-heading-inner wpex-inline-block\">1. Despeses de taxaci\u00f3 de l\u2019immoble<\/span><\/h3>[vc_column_text css=&#8221;&#8221;]La taxaci\u00f3 de l\u2019immoble \u00e9s un pas obligatori, ja que permet determinar el valor real de la propietat que vols adquirir. Aquest valor serveix com a refer\u00e8ncia perqu\u00e8 el banc calculi l\u2019import m\u00e0xim que pot finan\u00e7ar.<\/p>\n<ul>\n<li><strong>Qui la paga?<\/strong> Aquesta despesa sempre l\u2019assumeix el client.<\/li>\n<li><strong>Cost aproximat<\/strong>: Entre 300 i 600 euros, depenent de factors com la ubicaci\u00f3, les dimensions i el valor de l\u2019immoble.<\/li>\n<li><strong>Recomanaci\u00f3<\/strong>: Compara diverses empreses taxadores autoritzades per trobar una opci\u00f3 competitiva.<\/li>\n<\/ul>\n[\/vc_column_text]<style>.vcex-heading.vcex_69e7888c58136{color:var(--wpex-accent-alt);font-size:20px;}<\/style><h3 class=\"vcex-heading vcex-heading-plain vcex-module wpex-heading wpex-text-2xl wpex-mt-30 wpex-mb-15 vcex_69e7888c58136\"><span class=\"vcex-heading-inner wpex-inline-block\">2. Despeses notarials de la hipoteca<\/span><\/h3>[vc_column_text css=&#8221;&#8221;]El notari \u00e9s l\u2019encarregat de formalitzar l\u2019escriptura p\u00fablica de la hipoteca i l\u2019escriptura de compravenda de l\u2019habitatge. Aquest tr\u00e0mit \u00e9s obligatori per garantir que ambdues parts (banc i client) estan protegides legalment.<\/p>\n<ul>\n<li><strong>Qui les paga?<\/strong> Des de la Llei 5\/2019, les despeses de notaria vinculades al pr\u00e9stec hipotecari les assumeix el banc.<\/li>\n<li><strong>Cost aproximat<\/strong>: Entre 800 i 1.200 euros, depenent de l\u2019import del pr\u00e9stec.<\/li>\n<li><strong>Nota<\/strong>: Si necessites c\u00f2pies addicionals de les escriptures, aquest cost podria ser la teva responsabilitat.<\/li>\n<\/ul>\n[\/vc_column_text]<style>.vcex-heading.vcex_69e7888c5872d{color:var(--wpex-accent-alt);font-size:20px;}<\/style><h3 class=\"vcex-heading vcex-heading-plain vcex-module wpex-heading wpex-text-2xl wpex-mt-30 wpex-mb-15 vcex_69e7888c5872d\"><span class=\"vcex-heading-inner wpex-inline-block\">3. Despeses d\u2019inscripci\u00f3 al Registre de la Propietat<\/span><\/h3>[vc_column_text css=&#8221;&#8221;]\n<ul>\n<li>El Registre de la Propietat certifica que l\u2019immoble i la hipoteca estan degudament inscrits i vinculats. Aquest tr\u00e0mit \u00e9s essencial per a la seguretat jur\u00eddica de l\u2019operaci\u00f3.\n<ul>\n<li><strong>Qui les paga?<\/strong> El banc assumeix aquesta despesa.<\/li>\n<li><strong>Cost aproximat<\/strong>: De 200 a 400 euros, segons el valor de l\u2019operaci\u00f3.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n[\/vc_column_text]<style>.vcex-heading.vcex_69e7888c58d18{color:var(--wpex-accent-alt);font-size:20px;}<\/style><h3 class=\"vcex-heading vcex-heading-plain vcex-module wpex-heading wpex-text-2xl wpex-mt-30 wpex-mb-15 vcex_69e7888c58d18\"><span class=\"vcex-heading-inner wpex-inline-block\">4. Impost d\u2019Actes Jur\u00eddics Documentats (IAJD) (<\/span><\/h3>[vc_column_text css=&#8221;&#8221;]Aquest impost grava els documents notarials necessaris per formalitzar el pr\u00e9stec hipotecari.<\/p>\n<ul>\n<li><strong>Qui el paga?<\/strong> Des de novembre de 2018, aquesta despesa \u00e9s responsabilitat del banc.<\/li>\n<li><strong>Cost aproximat<\/strong>: Oscil\u00b7la entre el 0,5% i l\u20191,5% de l\u2019import hipotecat, depenent de la comunitat aut\u00f2noma.<\/li>\n<\/ul>\n[\/vc_column_text]<style>.vcex-heading.vcex_69e7888c592fb{color:var(--wpex-accent-alt);font-size:20px;}<\/style><h3 class=\"vcex-heading vcex-heading-plain vcex-module wpex-heading wpex-text-2xl wpex-mt-30 wpex-mb-15 vcex_69e7888c592fb\"><span class=\"vcex-heading-inner wpex-inline-block\">5. Despeses per comissions d\u2019obertura de la hipoteca<\/span><\/h3>[vc_column_text css=&#8221;&#8221;]Alguns bancs apliquen una comissi\u00f3 d\u2019obertura per la gesti\u00f3 i concessi\u00f3 del pr\u00e9stec hipotecari. Encara que no tots ho fan, \u00e9s una despesa que cal considerar en analitzar diferents ofertes.<\/p>\n<ul>\n<li><strong>Qui les paga?<\/strong> El client, si est\u00e0 estipulat en el contracte.<\/li>\n<li><strong>Cost aproximat<\/strong>: Generalment entre el 0,5% i l\u20191% del capital prestat.<\/li>\n<\/ul>\n[\/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-start:30px;border-bottom-width:1px;border-color:#00000024;\"><\/div><style>.vcex-heading.vcex_69e7888c59e07{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_69e7888c59e07\"><span class=\"vcex-heading-inner wpex-inline-block\">Distribuci\u00f3 de les despeses: Qu\u00e8 paga el banc i qu\u00e8 paga el client?<\/span><\/h2>[vc_column_text css=&#8221;&#8221;]Amb l\u2019entrada en vigor de la Llei Hipotec\u00e0ria el 2019, la distribuci\u00f3 de les despeses hipotec\u00e0ries va canviar significativament per beneficiar el client. Aix\u00ed queda el repartiment:<\/p>\n<p><strong>Despeses assumides pel banc<\/strong><\/p>\n<ol>\n<li>Despeses notarials.<\/li>\n<li>Despeses d\u2019inscripci\u00f3 al Registre de la Propietat.<\/li>\n<li>Despeses de gestoria.<\/li>\n<li>Impost d\u2019Actes Jur\u00eddics Documentats (IAJD).<\/li>\n<\/ol>\n<p><strong>Despeses assumides pel client<\/strong><\/p>\n<ol>\n<li>Despeses de taxaci\u00f3 de l\u2019immoble.<\/li>\n<li>Comissions banc\u00e0ries, com la d\u2019obertura (si aplica).<\/li>\n<li>Assegurances opcionals o vinculats (tot i que no s\u00f3n obligatoris).<\/li>\n<\/ol>\n[\/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-start:30px;border-bottom-width:1px;border-color:#00000024;\"><\/div><style>.vcex-heading.vcex_69e7888c5a802{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_69e7888c5a802\"><span class=\"vcex-heading-inner wpex-inline-block\">Exemple pr\u00e0ctic: Calcula les despeses associades a la teva hipoteca<\/span><\/h2>[vc_column_text css=&#8221;&#8221;]Suposem que vols comprar un habitatge pel preu de 200.000 euros, i el banc t\u2019ofereix una hipoteca pel 80% del valor de l\u2019habitatge (160.000 euros).<\/p>\n<p><strong>Costos estimats:<\/strong><\/p>\n<ul>\n<li><strong>Despeses de taxaci\u00f3 de l\u2019immoble<\/strong>: 500 euros.<\/li>\n<li><strong>Comissi\u00f3 d\u2019obertura<\/strong>: Si el banc aplica un 1%, serien 1.600 euros.<\/li>\n<\/ul>\n<p>En aquest cas, necessitar\u00e0s un estalvi previ de 40.500 euros:<\/p>\n<ul>\n<li><strong>40.000 euros<\/strong> per cobrir el 20% del preu de l\u2019immoble no finan\u00e7at.<\/li>\n<li><strong>500 euros<\/strong> per a la taxaci\u00f3.<\/li>\n<li><strong>1.600 euros<\/strong> addicionals si aplica una comissi\u00f3 d\u2019obertura.<\/li>\n<\/ul>\n<p>Recorda que aquest \u00e9s nom\u00e9s un exemple gen\u00e8ric i que les despeses reals poden variar segons les condicions del banc i les caracter\u00edstiques de l\u2019immoble.[\/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-start:30px;border-bottom-width:1px;border-color:#00000024;\"><\/div><style>.vcex-heading.vcex_69e7888c5b1eb{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_69e7888c5b1eb\"><span class=\"vcex-heading-inner wpex-inline-block\">Consells per reduir les despeses hipotec\u00e0ries<\/span><\/h2>[vc_column_text css=&#8221;&#8221;]\n<ol>\n<li><strong>Compara ofertes de diferents bancs<\/strong>: Algunes entitats eliminen comissions o assumeixen m\u00e9s despeses com a estrat\u00e8gia comercial.<\/li>\n<li><strong>Consulta amb un broker hipotecari<\/strong>: Els experts, com els d\u2019<a href=\"https:\/\/akteon.es\/ca\/\">Akteon<\/a>, poden ajudar-te a trobar les millors condicions i evitar despeses innecess\u00e0ries.<\/li>\n<li><strong>Negocia amb el banc<\/strong>: Si tens un perfil financer s\u00f2lid, \u00e9s possible que puguis eliminar certs costos o aconseguir millors condicions.<\/li>\n<\/ol>\n[\/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-start:30px;border-bottom-width:1px;border-color:#00000024;\"><\/div><style>.vcex-heading.vcex_69e7888c5bc24{color:var(--wpex-accent);font-size:24px;}<\/style><h2 class=\"vcex-heading vcex-heading-plain vcex-module wpex-heading wpex-text-2xl wpex-mt-30 wpex-mb-15 vcex_69e7888c5bc24\"><span class=\"vcex-heading-inner wpex-inline-block\">Per qu\u00e8 comptar amb experts per gestionar la teva hipoteca?<\/span><\/h2>[vc_column_text css=&#8221;&#8221;]Les despeses associades a una hipoteca poden semblar complicades, per\u00f2 comptar amb l\u2019ajuda de professionals especialitzats, com <a href=\"https:\/\/akteon.es\/ca\/\">Akteon<\/a>, et permetr\u00e0 navegar aquest proc\u00e9s amb confian\u00e7a. Ja siguis un particular a la recerca de finan\u00e7ament o una immobili\u00e0ria interessada a oferir millors solucions als teus clients, el nostre equip pot ajudar-te a optimitzar la teva inversi\u00f3 i minimitzar les despeses.[\/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-start:30px;border-bottom-width:1px;border-color:#00000024;\"><\/div>[vc_column_text css=&#8221;&#8221; font_size=&#8221;15px&#8221;]Con\u00e8ixer totes les despeses associades a una hipoteca \u00e9s essencial per prendre decisions intel\u00b7ligents. La planificaci\u00f3 financera adequada i l\u2019assessorament d\u2019experts poden marcar la difer\u00e8ncia entre una experi\u00e8ncia complicada i un proc\u00e9s fluid. A m\u00e9s, en aquest article t&#8217;expliquem <a href=\"https:\/\/akteon.es\/ca\/tot-per-a-triar-una-hipoteca\/\">Tot per triar la millor hipoteca<\/a>.<\/p>\n<p>Si necessites m\u00e9s informaci\u00f3 o assessorament personalitzat, no dubtis a contactar amb Akteon. Estem aqu\u00ed per ajudar-te en cada pas del cam\u00ed cap a la casa dels teus somnis.[\/vc_column_text][\/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;]Contractar una hipoteca \u00e9s un pas clau en la compra d\u2019un habitatge, per\u00f2 no nom\u00e9s implica pagar el preu de l\u2019immoble o negociar el tipus d\u2019inter\u00e8s amb el banc. Tamb\u00e9 existeix una s\u00e8rie de despeses associades al proc\u00e9s que \u00e9s fonamental con\u00e8ixer per planificar el teu pressupost de manera adequada. Aquestes despeses, que&hellip;<\/p>\n","protected":false},"author":1,"featured_media":3097,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_joinchat":[],"footnotes":""},"categories":[34,36],"tags":[],"post_series":[],"class_list":["post-3085","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>Despeses associades a una hipoteca: Com afecten? - \u00c0kteon<\/title>\n<meta name=\"description\" content=\"Descubreix les principals despeses associades a una hipoteca, qui les paga i com calcular-les. 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