{"id":8252,"date":"2026-02-03T17:08:15","date_gmt":"2026-02-03T15:08:15","guid":{"rendered":"https:\/\/www.avafin.es\/?p=8252"},"modified":"2026-02-03T17:08:18","modified_gmt":"2026-02-03T15:08:18","slug":"euribor-alt-a-fer","status":"publish","type":"post","link":"https:\/\/www.avafin.es\/ca\/blog\/euribor-alto-que-hacer\/","title":{"rendered":"Eur\u00edbor alt: qu\u00e8 fer si necessites diners"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Arribar a<strong> final de mes<\/strong> costa for\u00e7a amb el cost de la vida actual, al qual sempre se sumen <strong>imprevistos <\/strong>dif\u00edcils de controlar.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Encara que la part del lle\u00f3 del <strong>despesa de les fam\u00edlies <\/strong>a Espanya se l&#039;emporta la <a href=\"https:\/\/www.idealista.com\/news\/inmobiliario\/vivienda\/2025\/06\/26\/850956-un-tercio-del-gasto-de-los-hogares-se-dedica-a-la-vivienda-y-sus-suministros-11-030\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>habitatge<\/strong><\/a>, particularment si es tracta de lloguer, per\u00f2 tamb\u00e9 del pagament de l&#039;habitatge a <strong>propietat<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A m\u00e9s, els que compten amb una <strong>hipoteca variable<\/strong> o mixta vinculada al <strong>Eur\u00edbor<\/strong>, han d&#039;estar molt pendents de les oscil\u00b7lacions d&#039;aquest \u00edndex, per la qual cosa suposen per a la butxaca\u2026<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">\u00cdndice<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #6a737c;color:#6a737c\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #6a737c;color:#6a737c\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.avafin.es\/ca\/blog\/euribor-alto-que-hacer\/#%C2%BFQue_implica_tener_el_euribor_alto_si_tienes_hipoteca_variable\" >Qu\u00e8 implica tenir l&#039;eur\u00edbor alt si teniu hipoteca variable?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.avafin.es\/ca\/blog\/euribor-alto-que-hacer\/#Por_que_el_euribor_alto_afecta_tanto_a_tu_economia\" >Per qu\u00e8 l&#039;eur\u00edbor alt afecta tant la teva economia<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.avafin.es\/ca\/blog\/euribor-alto-que-hacer\/#Opciones_realistas_para_afrontar_un_mes_complicado\" >Opcions realistes per afrontar un mes complicat<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.avafin.es\/ca\/blog\/euribor-alto-que-hacer\/#1-Reorganizar_gastos_a_corto_plazo\" >1-Reorganitzar despeses a curt termini<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.avafin.es\/ca\/blog\/euribor-alto-que-hacer\/#2-Evitar_compras_no_planificadas\" >2-Evitar compres no planificades<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.avafin.es\/ca\/blog\/euribor-alto-que-hacer\/#3-Revisar_pagos_y_fechas_clave\" >3-Revisar pagaments i dates clau<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.avafin.es\/ca\/blog\/euribor-alto-que-hacer\/#Como_proteger_tu_economia_mientras_el_euribor_siga_alto\" >Com protegir la teva economia mentre l&#039;eur\u00edbor segueixi alt<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.avafin.es\/ca\/blog\/euribor-alto-que-hacer\/#Errores_comunes_cuando_el_euribor_esta_alto\" >Errors comuns quan l&#039;eur\u00edbor \u00e9s alt<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.avafin.es\/ca\/blog\/euribor-alto-que-hacer\/#Euribor_alto_que_hacer_si_necesitas_dinero\" >Eur\u00edbor alt: qu\u00e8 fer si necessites diners<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.avafin.es\/ca\/blog\/euribor-alto-que-hacer\/#%C2%BFCuando_tiene_sentido_buscar_liquidez_puntual\" >Quan t\u00e9 sentit cercar liquiditat puntual?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.avafin.es\/ca\/blog\/euribor-alto-que-hacer\/#Microprestamo_cuando_puede_ayudar_y_cuando_no\" >Micropr\u00e9stec: quan pot ajudar i quan no<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.avafin.es\/ca\/blog\/euribor-alto-que-hacer\/#%C2%A1Cuenta_con_nosotros_para_lo_que_necesites\" >Compta amb nosaltres pel que necessitis!<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_implica_tener_el_euribor_alto_si_tienes_hipoteca_variable\"><\/span>Qu\u00e8 implica tenir l&#039;eur\u00edbor alt si teniu hipoteca variable?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">El <strong>Eur\u00edbo<\/strong>r t&#039;afecta for\u00e7a si tens una hipoteca variable o mixta durant el per\u00edode subjecte a variabilitat, at\u00e8s que els <strong>interessos<\/strong> del teu pr\u00e9stec hipotecari es calcularan sumant el <strong>valor <\/strong>del <strong>\u00edndex <\/strong>al<strong> diferencial fix<\/strong> acordat (en general sol estar entre el 0,5% i el 1,5%).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L&#039;Eur\u00edbor s&#039;actualitza di\u00e0riament per als seus diferents terminis (1, 3, 6, 12 mesos), i normalment \u00e9s el que es pren de refer\u00e8ncia per a les <strong>hipoteques <\/strong>el de <strong>12 mesos<\/strong> (calculat d&#039;acord amb la mitjana mensual del <a href=\"https:\/\/www.bde.es\/webbe\/es\/estadisticas\/temas\/tipos-interes.html\" target=\"_blank\" rel=\"noreferrer noopener\">Banc d&#039;Espanya<\/a>), encara que dependr\u00e0 de l&#039;estipulat al <strong>contracte<\/strong> hipotecari, igual que la periodicitat a la <strong>revisi\u00f3 de la quota<\/strong> per actualitzar-la a l&#039;evoluci\u00f3 de l&#039;\u00edndex, si b\u00e9 normalment es fa cada <strong>6 <\/strong>o <strong>12 mesos<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En qualsevol cas, en actualitzar-se les quotes de manera semestral o anual, les <strong>pujades <\/strong><strong>de l&#039;Eur\u00edbor no es noten immediatament<\/strong>, llevat que se&#039;n tingui una <strong>revisi\u00f3 imminent<\/strong> prevista. Quan aquesta arribi, el banc <strong>recalcular\u00e0 <\/strong>la <strong>quota <\/strong>aplicant el nou valor de l\u00edndex.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aix\u00ed, veiem que l&#039;impacte de la pujada de l&#039;eur\u00edbor no \u00e9s immediat, ia m\u00e9s tampoc no afecta totes les persones amb hipoteques variables alhora, ja que dependr\u00e0 de les seves <strong>corresponents dates de revisi\u00f3<\/strong>, podent tamb\u00e9 variar fins i tot el valor de l&#039;\u00edndex aplicat, segons s&#039;hagi establert per contracte com a refer\u00e8ncia l&#039;eur\u00edbor a 6 mesos o el de 12 mesos.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Posem un <strong>exemple <\/strong>perqu\u00e8 ho tinguis m\u00e9s clar:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Imaginem a <strong>dues persones amb hipoteca variable<\/strong>, per\u00f2 amb condicions de revisi\u00f3 diferents.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>La primera t\u00e9 una hipoteca vinculada al <strong>Eur\u00edbor a 12 mesos<\/strong>, amb <strong>revisi\u00f3 anual al gener<\/strong>. Encara que l&#039;\u00edndex comenci a pujar a la primavera, la seva quota no es veur\u00e0 afectada fins a la revisi\u00f3 seg\u00fcent, moment en qu\u00e8 el banc aplicar\u00e0 la mitjana mensual vigent en aquell moment, donant lloc a un augment de la quota.<\/li>\n\n\n\n<li>La segona persona, en canvi, t\u00e9 una hipoteca vinculada al <strong>Eur\u00edbor a 6 mesos<\/strong>, amb <strong>revisi\u00f3 semestral al juliol<\/strong>. En aquest cas, la pujada de l&#039;\u00edndex es reflectir\u00e0 abans a la quota, ja que la seva actualitzaci\u00f3 arriba abans i s&#039;aplica un Eur\u00edbor corresponent a un per\u00edode diferent.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">D&#039;aquesta manera, encara que ambdues persones tinguin hipoteca variable i estiguin exposades a l&#039;evoluci\u00f3 del mateix \u00edndex, <strong>impacte econ\u00f2mic d&#039;una pujada de l&#039;eur\u00edbor es pot produir en moments diferents<\/strong> i amb efectes diferents sobre la quota mensual.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ja hem vist els efectes de la pujada de l&#039;eur\u00edbor en hipoteques variables o en aquelles mixtes en el per\u00edode no fix. Per\u00f2 si vols aprofundir m\u00e9s en tot el que envolta el <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/com-es-calcula-leuribor\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>c\u00e0lcul de l&#039;\u00edndex<\/strong><\/a>, et convidem a fer una ullada al <strong>contingut <\/strong>que t&#039;hem deixat <strong>enlla\u00e7at<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">I per saber <strong>per qu\u00e8 repercuteixen tant les pujades de l&#039;Eur\u00edbor<\/strong> en les finances de les persones amb pr\u00e9stecs hipotecaris variables, pren nota del que t&#039;explicarem al <strong>seg\u00fcent apartat<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Por_que_el_euribor_alto_afecta_tanto_a_tu_economia\"><\/span>Per qu\u00e8 l&#039;eur\u00edbor alt afecta tant la teva economia<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Amb una<strong> hipoteca variable<\/strong>, quan et toqui <strong>revisar la teva quota mensual<\/strong> si l&#039;Eur\u00edbor ha pujat aquesta<strong> incrementar\u00e0<\/strong>, en aplicar-se la<strong> f\u00f3rmula<\/strong> de:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Interessos<\/strong>= Eur\u00edbor + diferencial fix previst per contracte.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Recordem que l&#039;import de la quota total suma la part corresponent del <strong>capital de pr\u00e9stec<\/strong> als<strong> interessos<\/strong>, vinculats en part a l&#039;Eur\u00edbor a les hipoteques variables de la manera que hem explicat abans.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Encara que l&#039;\u00edndex sembli moure&#039;s entre valors petits, la difer\u00e8ncia d&#039;un <strong>Eur\u00edbor al 0%<\/strong> com havia el 2022 d&#039;un altre al <strong>3%<\/strong> com va estar tot just un any m\u00e9s tard, va suposar per a una hipoteca mitjana de <strong>150.000 euros <\/strong>un increment mensual d&#039;uns<strong> 220 euros<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si prenem com a refer\u00e8ncia el <a href=\"https:\/\/www.euribor-rates.eu\/es\/tipos-euribor-actualmente\/4\/euribor-valor-12-meses\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Eur\u00edbor a 12 mesos actual<\/strong><\/a>, que ara mateix est\u00e0 al voltant del <strong>2,2%<\/strong>, la difer\u00e8ncia amb un escenari d&#039;Eur\u00edbor al 0% seria de <strong>160 euros<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Parlem d&#039;unes <strong>quantitats m\u00e9s que estimables<\/strong> que suposen:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Menor marge per arribar a final de mes<\/li>\n\n\n\n<li>Efecte acumulat mes rere mes<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">A m\u00e9s, aquesta <strong>pressi\u00f3<\/strong> sobre les finances personals es mantindria fins que arrib\u00e9s la <strong>propera revisi\u00f3 de quota<\/strong>, que pot trigar <strong>6 o 12 mesos<\/strong>, depenent del contracte signat. I el panorama encara \u00e9s susceptible de <strong>empitjorar<\/strong> si el <strong>Eur\u00edbor segueix pujant<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Per aix\u00f2, moltes persones es plantegen en \u00e8poques de pujades encadenades de l&#039;\u00edndex <a href=\"https:\/\/www.telecinco.es\/noticias\/economia\/vivienda\/20251031\/euribor-repunta-buen-momento-cambiar-hipoteca-variable-fija_18_017150398.html\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>pas d&#039;una hipoteca variable a fixa<\/strong><\/a>, ja sigui mitjan\u00e7ant una <strong>novaci\u00f3<\/strong> que canvi\u00ef les condicions del pr\u00e9stec hipotecari signat, amb una <strong>subrogaci\u00f3<\/strong> a una altra entitat o una <strong>cancel\u00b7laci\u00f3<\/strong> per subscriure una nova hipoteca.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Opciones_realistas_para_afrontar_un_mes_complicado\"><\/span>Opcions realistes per afrontar un mes complicat<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Si la teva quota de la teva hipoteca variable et <strong>acaba de pujar o ho far\u00e0 de manera imminent<\/strong>, amb el conseg\u00fcent impacte directe en els comptes m\u00e9s immediats, et <strong>suggerim<\/strong>:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1-Reorganizar_gastos_a_corto_plazo\"><\/span>1-Reorganitzar despeses a curt termini<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Elimina <\/strong>tots aquells<strong> despeses<\/strong> que no resultin imprescindibles, <strong>endarrerint <\/strong>aquells susceptibles de <strong>posposar-se<\/strong>, sempre que aix\u00f2 no impliqui el pagament de <strong>penalitzacions i interessos<\/strong>, i sent conscient tamb\u00e9 que est\u00e0s <strong>diferint<\/strong> aquest desemborsament que haur\u00e0s de <strong>afrontar igualment<\/strong> en un curt termini.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Valora que <strong>qualsevol despesa compte<\/strong> per petit que sigui, per aix\u00f2 la necessitat de reduir aquests <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/despeses-formiga-exemples\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>despeses formiga<\/strong><\/a> en caf\u00e8s, snacks o similars que al final acaben sumant cada mes una quantitat estimable.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2-Evitar_compras_no_planificadas\"><\/span>2-Evitar compres no planificades<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Seguint la mateixa filosofia, caldria <strong>evitar totalment<\/strong> les <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/compres-impulsives-consequencies\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>compres per impuls<\/strong><\/a>, fugint de<strong> autoenganys<\/strong> com un <strong>suposat estalvi<\/strong>, llevat que es tracti d&#039;articles de <strong>primera necessitat<\/strong>, l&#039;adquisici\u00f3 de la qual estigu\u00e9s a m\u00e9s prevista.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tampoc no pot servir d&#039;excusa el <strong>pagament a terminis<\/strong>, ja que aix\u00f2 equival a afegir despr\u00e9s un <strong>desemborsament mes a mes<\/strong>, estant ja el pressupost mensual en dificultats per la pujada de la quota hipotec\u00e0ria.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3-Revisar_pagos_y_fechas_clave\"><\/span>3-Revisar pagaments i dates clau<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Al marge de limitar despeses, si vas just de liquiditat haur\u00e0s de tenir cura que no es produeixin <strong>descoberts<\/strong> al compte del banc o es <strong>tornin rebuts<\/strong>, per les evidents conseq\u00fc\u00e8ncies que comportaria.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aix\u00ed, haur\u00e0s de tenir molt clar <strong>quan entren els diners<\/strong> al teu compte i <strong>quan es carreguen les diferents despeses<\/strong>, per anticipar-te a possibles desajustos i no donar lloc a <strong>comissions<\/strong>, <strong>rec\u00e0rrecs <\/strong>o incid\u00e8ncies de pagament que sempre tenen importants repercussions.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Como_proteger_tu_economia_mientras_el_euribor_siga_alto\"><\/span>Com protegir la teva economia mentre l&#039;eur\u00edbor segueixi alt<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">M\u00e9s enll\u00e0 de poder absorbir econ\u00f2micament el cop inicial de la pujada de l&#039;Eur\u00edbor, es podria preparar per a una situaci\u00f3 de <strong>pressi\u00f3 financera<\/strong> que, llevat que concorrin ingressos addicionals, se&#039;n va a <strong>perllongar en el temps<\/strong>, almenys fins a la propera revisi\u00f3 de quota.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sota aquest prisma seria <strong>recomanable<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Seguir <strong>una planificaci\u00f3 mensual estricta<\/strong>: amb un <strong>pressupost detallat<\/strong> de <strong>ingressos i despeses<\/strong>, que a m\u00e9s deixi un <strong>marge de seguretat<\/strong> destinat exclusivament a imprevistos.<\/li>\n\n\n\n<li><strong>Aplicar pautes destalvi<\/strong>: al nostre <strong>bloc <\/strong>pots trobar infinitat de <strong>continguts <\/strong>orientats a la <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/estalvi\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>reducci\u00f3 de despeses<\/strong><\/a>, des de la <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/com-estalviar-en-la-compra\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>cistella de la compra<\/strong><\/a> fins i tot en subministraments b\u00e0sics del <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/com-estalviar-diners-a-casa\/\"><strong>llar<\/strong><\/a> com la llum, el <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/com-estalviar-aigua\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>aigua<\/strong><\/a> o el gas. Tamb\u00e9 tenim publicacions de <strong>estrat\u00e8gia financera b\u00e0sica<\/strong>, per exemple, sobre les diferents <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/regles-destalvi\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>regles d&#039;estalvi<\/strong><\/a> aplicables per poder anar <strong>guardant una mica mes a mes<\/strong>.<\/li>\n\n\n\n<li><strong>Estudiar possibles ajuts a qu\u00e8 es podria optar<\/strong>: n&#039;hi ha moltes <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/ajudes-families\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>ajudes per a fam\u00edlies<\/strong><\/a><strong> <\/strong>que no se sol\u00b7liciten per desconeixement, lligades en la majoria de casos amb els <strong>nivells de renda<\/strong> de <strong>perfils als quals precisament m\u00e9s pot afectar una pujada de l&#039;Eur\u00edbor<\/strong>. Algunes com el <a href=\"https:\/\/www.miteco.gob.es\/es\/energia\/pobreza-energetica\/pe-001\/que-es.html\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>bo social el\u00e8ctric<\/strong><\/a> i el<strong> t\u00e8rmic<\/strong> suposen la <strong>reducci\u00f3<\/strong> significativa de <strong>importants despeses fixes <\/strong>com el de la llum i el gas.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Hi hauria una altra alternativa si la pujada de l&#039;Eur\u00edbor coincideix amb un moment de <strong>dificultats financeres per causes justificades <\/strong>com la p\u00e8rdua d&#039;una ocupaci\u00f3, una separaci\u00f3 i fins i tot una reforma costosa que es pugui estar fent a l&#039;habitatge. En aquests casos, \u00e9s viable sol\u00b7licitar un <strong>per\u00edode de car\u00e8ncia parcial o total en el pagament de la hipoteca<\/strong>, des de pocs mesos fins a terminis m\u00e9s dilatats. Sempre que es demani per motius econ\u00f2mics evidents, i supeditat a l&#039;aprovaci\u00f3 de la <strong>entitat banc\u00e0ria<\/strong>, amb qu\u00e8 es negociaria una <strong>novaci\u00f3 hipotec\u00e0ria<\/strong> que canviaria les condicions del pr\u00e9stec.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Errores_comunes_cuando_el_euribor_esta_alto\"><\/span>Errors comuns quan l&#039;eur\u00edbor \u00e9s alt<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Un error habitual quan puja l&#039;eur\u00edbor \u00e9s prendre&#039;l com una <strong>pujada passatgera<\/strong>, pensant que nom\u00e9s tensionar\u00e0 durant un temps l&#039;economia dom\u00e8stica i que despr\u00e9s ja tornar\u00e0 a baixar.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Per comen\u00e7ar, la <strong>revisi\u00f3 de la quota<\/strong> trigaria un m\u00ednim de <strong>6 mesos o un any<\/strong>, depenent del contracte, la qual cosa suposa un per\u00edode certament perllongat que pressionar\u00e0 for\u00e7a unes finances que vagin al l\u00edmit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A m\u00e9s, la<strong> tend\u00e8ncia<\/strong> amb l&#039;\u00edndex <strong>pot seguir a l&#039;al\u00e7a<\/strong>, de manera que en arribar el moment de fer la nova actualitzaci\u00f3 ens podem trobar que la <strong>quota torneu a pujar<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aix\u00ed, conv\u00e9 ser previsors i posar-se al <strong>pitjor dels escenaris financers<\/strong>, aplicant <strong>mesures d&#039;estalvi<\/strong> per reduir despeses, veient les possibilitats de <strong>augmentar ingressos<\/strong> i estudiant opcions com la <strong>transformaci\u00f3 d&#039;hipoteca variable a fixa<\/strong>, mitjan\u00e7ant una novaci\u00f3 o subrogaci\u00f3. Operacions que, aix\u00f2 s\u00ed, poden no comportar un estalvi immediat al <strong>implicar despeses<\/strong> per comissions de cancel\u00b7laci\u00f3, subscripci\u00f3 d&#039;un nou pr\u00e9stec hipotecari, etc.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">El que per descomptat no es pot fer \u00e9s caure en l&#039;error d&#039;aplicar la &#039;\u2018<strong>t\u00e0ctica de l&#039;estru\u00e7<\/strong>\u2018&#039; per esperar que les coses es resolguin soles, sense ajustar el pressupost o cometent errors encara pitjors com utilitzar el <strong>cr\u00e8dit <\/strong>per solucionar un <strong>desgavell econ\u00f2mic estructural<\/strong>, ja que aquest es far\u00e0 encara <strong>m\u00e9s gran<\/strong> i perill\u00f3s en incrementar la <strong>deute <\/strong>per la qual s&#039;ha de respondre mes a mes, provocant que la <strong>situaci\u00f3 econ\u00f2mica es precaritzi<\/strong> encara m\u00e9s i puguin arribar els <strong>impagaments<\/strong>, inclusivament el de la <strong>hipoteca<\/strong>, amb les conseq\u00fc\u00e8ncies per tots sabudes.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Euribor_alto_que_hacer_si_necesitas_dinero\"><\/span>Eur\u00edbor alt: qu\u00e8 fer si necessites diners<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Si la pujada de l&#039;Eur\u00edbor et posa en una situaci\u00f3 financera dif\u00edcil, efectivament no s&#039;ho hauria de prendre a la lleugera, per\u00f2 tampoc no hi cap <strong>entrar en p\u00e0nic<\/strong>, doncs pot portar-te a actuar amb <strong>precipitaci\u00f3<\/strong> i prendre <strong>males decisions<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pensa que si fins ara podies pagar prement-te una mica el cintur\u00f3, amb una <strong>bona planificaci\u00f3 financera<\/strong> estaries en condicions d&#039;aflorar liquiditat, per m\u00e9s que et sembli ara dif\u00edcil.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Amb tot, en cas que la <strong>nova quota<\/strong> et suposar\u00e0 un <strong>petit forat immediat<\/strong>, tindries opcions com el <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/bestreta-nomina-online\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>aven\u00e7 de n\u00f2mina<\/strong><\/a>, que en alguns sectors pot anar m\u00e9s enll\u00e0 de la seva percepci\u00f3 \u00fanicament pels <strong>dies treballats i no cobrats<\/strong>, el m\u00ednim que marca la llei. Seria q\u00fcesti\u00f3 de veure qu\u00e8 estableix el conveni de la teva empresa, suposant que vulguis anar per aquesta via davant la qual hi caben <strong>retic\u00e8ncies l\u00f2giques<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A m\u00e9s, tamb\u00e9 hi hauria <strong>altres solucions<\/strong> per obtenir aquesta <strong>liquiditat puntual<\/strong> que puguis necessitar per la pujada de l\u00b4Eur\u00edbor.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFCuando_tiene_sentido_buscar_liquidez_puntual\"><\/span>Quan t\u00e9 sentit cercar liquiditat puntual?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Rec\u00f3rrer a vies de finan\u00e7ament en una situaci\u00f3 econ\u00f2mica dif\u00edcil per la pujada de la quota de la hipoteca tindr\u00e0 sentit si es tracta de <strong>petits imports<\/strong>, que permetin:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cobrir un rebut <strong>urgent <\/strong>o afrontar una emerg\u00e8ncia econ\u00f2mica.<\/li>\n\n\n\n<li>Evitar <strong>penalitzacions o rec\u00e0rrecs<\/strong> per retards en factures.<\/li>\n\n\n\n<li>Acollir-se a <strong>descomptes per pagament immediat<\/strong> en multes.<\/li>\n\n\n\n<li>Poder <strong>arribar a final de mes<\/strong>, guanyant temps fins al proper ingr\u00e9s.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Aix\u00ed, doncs, opcions com els <a href=\"https:\/\/www.avafin.es\/ca\/minicredits\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>minicr\u00e8dits<\/strong><\/a> poden aportar aquesta<strong> liquiditat<\/strong> puntual <strong>necess\u00e0ria<\/strong>, sense augmentar significativament el teu deute pels seus <strong>redu\u00efts imports<\/strong>. Tot i que estem parlant d&#039;una <strong>via d&#039;emerg\u00e8ncia<\/strong>, no duna l\u00ednia de finan\u00e7ament a la qual rec\u00f3rrer permanentment per cobrir un altre tipus de despeses.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Microprestamo_cuando_puede_ayudar_y_cuando_no\"><\/span>Micropr\u00e9stec: quan pot ajudar i quan no<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.avafin.es\/ca\/minicredits\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Minicr\u00e8dits en l\u00ednia<\/strong><\/a> com els que oferim a <a href=\"https:\/\/www.avafin.es\/ca\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>AvaFin<\/strong><\/a> no estan orientats a mantenir un nivell de despesa insostenible quan puja l&#039;eur\u00edbor i s&#039;encareix la hipoteca.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Estan pensats per a una <strong>necessitat concreta<\/strong>, permetent-te afrontar un <strong>pagament de qualsevol tipus<\/strong> per al qual ara mateix no tinguis liquiditat.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pel seu <strong>quantia petita<\/strong> aquests minipr\u00e9stecs tenen un<strong> impacte financer limitat<\/strong>, tornant-se amb un pagament \u00fanic en comptes de terminis per evitar <strong>sobrecarregar les teves finances<\/strong> a mig i llarg <strong>termini amb m\u00e9s quotes<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aquesta f\u00f3rmula \u00e9s la m\u00e9s id\u00f2nia per <strong>evitar l&#039;acumulaci\u00f3 d&#039;interessos<\/strong>, ja que per m\u00e9s que aquests pr\u00e9stecs no es vegin afectats per l&#039;eur\u00edbor, en calcular-se amb base en un determinat <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/que-es-tin-i-tae\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>TIN i TAE<\/strong><\/a>, com m\u00e9s durada del termini d&#039;amortitzaci\u00f3 m\u00e9s creixeria el cost total del cr\u00e8dit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Apostem per la <strong>responsabilitat financera<\/strong>, i per aix\u00f2 t&#039;oferim la <strong>soluci\u00f3 <\/strong>precisa per resoldre els <strong>problemes de liquiditat puntuals<\/strong> que et pugui plantejar la pujada de l&#039;Eur\u00edbor:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Una <strong>emerg\u00e8ncia<\/strong> que et sorgeixi.<\/li>\n\n\n\n<li>Un <strong>pagament<\/strong> amb qu\u00e8 no comptaves.<\/li>\n\n\n\n<li>Evitar la devoluci\u00f3 dun rebut amb els conseg\u00fcents sobrec\u00e0rrecs.<\/li>\n\n\n\n<li>Cobrir <strong>necessitats b\u00e0siques<\/strong> a fi de mes.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Fins i tot si la nova quota t&#039;ofegar\u00e0 i et resulta <strong>viable un canvi a una hipoteca fixa<\/strong>, els nostres <a href=\"https:\/\/www.avafin.es\/ca\/minicredits\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>minicr\u00e8dits online<\/strong><\/a> et poden <strong>ajudar a cobrir les despeses de loperaci\u00f3<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\"><span class=\"ez-toc-section\" id=\"%C2%A1Cuenta_con_nosotros_para_lo_que_necesites\"><\/span><strong>Compta amb nosaltres pel que necessitis!<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-center wp-block-paragraph\">Descobreix la rapidesa amb qu\u00e8 pots tenir els diners al teu compte.<\/p>\n\n\n\n<div style=\"margin: auto;\" class=\"flex flex-res\">\n<a id=\"av-get-loan\" class=\"btn btn-cta btn-lg force-data-base-url\" href=\"https:\/\/portal.avafin.es\/wp-registerCreditosi\" style=\"display: inline-block; margin: auto\">Sol\u00b7licitar<\/a>\n<\/div>\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Llegar a fin de mes cuesta bastante con el coste de la vida actual, al que siempre se suman imprevistos dif\u00edciles de controlar. Aunque la parte del le\u00f3n del gasto de las familias en Espa\u00f1a se lo lleva la vivienda, particularmente si se trata de alquiler, pero tambi\u00e9n del pago de la vivienda en propiedad. [&hellip;]<\/p>\n","protected":false},"author":32,"featured_media":8253,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":false,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[23,27,21],"tags":[],"class_list":["post-8252","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-educacion-financiera","category-hipotecas","category-prestamo"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Eur\u00edbor alto: qu\u00e9 hacer si necesitas dinero | AvaFin Espa\u00f1a<\/title>\n<meta name=\"description\" content=\"Vemos las opciones para obtener liquidez 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