{"id":11174,"date":"2016-05-27T23:07:01","date_gmt":"2016-05-27T20:07:01","guid":{"rendered":"https:\/\/alegria-realestate.com\/?p=11174"},"modified":"2025-08-14T19:38:25","modified_gmt":"2025-08-14T16:38:25","slug":"the-fixed-rate-mortgages-at-the-peak-of-popularity","status":"publish","type":"post","link":"https:\/\/alegria-realestate.com\/de\/articles\/the-fixed-rate-mortgages-at-the-peak-of-popularity","title":{"rendered":"Festhypotheken sind auf dem H\u00f6hepunkt"},"content":{"rendered":"<p>Viele Jahre lang bevorzugten die Spanier Kredite mit variablem Zinssatz. Doch den neuesten Daten des Nationalen Statistikamtes (INE) zufolge \u00e4ndert der Vektor der Hypothekarkreditvergabe recht schnell die Richtung. Im Februar dieses Jahres machten Festpreisvertr\u00e4ge 10,8 % des Gesamtvolumens aus. Der Durchschnittssatz betrug 3,31 %. Experten gehen davon aus, dass sich dieser Trend fortsetzen wird und die Zahl der Festhypotheken innerhalb weniger Monate auf 20 % steigen wird. [dieser Ort] Auch wenn die variablen Zinss\u00e4tze heute auf ihrem niedrigsten Niveau sind, entscheiden sich viele Familien vor allem aus Sicherheitsgr\u00fcnden f\u00fcr den Abschluss eines Festzinsvertrags. Tats\u00e4chlich bleiben die monatlichen Zahlungen gem\u00e4\u00df der Vereinbarung w\u00e4hrend der gesamten G\u00fcltigkeitsdauer unver\u00e4ndert. Als beste Festzinsangebote (Kreditlaufzeit 20 Jahre) wurden ausgezeichnet:<\/p>\n<ul>\n<li> Hipoteca Naranja mixta von ING: 1,99 % (10 Jahre) und Euribor +0,99 % f\u00fcr den Rest<\/li>\n<li> Hipoteca BBVA: 2,25 %<\/li>\n<li> Hipoteca Ahora von Liberbank: 2,25 %<\/li>\n<li> Hipoteca fija Bankinter: 2,40 %<\/li>\n<li> Hipoteca fija von der Banco Santander: 2,40 %<\/li>\n<li> Hipoteca tipo fijo aus Bankia: 2,40 %<\/li>\n<li> Hipoteca fija Mari Carmen von Abanca: 2,49 %<\/li>\n<li> Hipoteca Expansi\u00f3n von der Banco Sabadell: 2,70 %<\/li>\n<li> Hipoteca fija von Hipotecas.com: 2,80 %<\/li>\n<li> Hipoteca fija von Activobank: 2,90 %<\/li>\n<\/ul>\n<p> Bei der Auswahl eines Hypothekendarlehensvertrags m\u00fcssen Sie nicht nur auf den Zinssatz, sondern auch auf andere Konditionen achten. In der Regel erheben Banken f\u00fcr die vorzeitige R\u00fcckzahlung eines Kredits eine zus\u00e4tzliche Geb\u00fchr oder bieten zus\u00e4tzliche (Pflicht-)Dienstleistungen an, beispielsweise die Ausstellung einer Rentenkarte oder die Er\u00f6ffnung eines Kontos. Dar\u00fcber hinaus sind Kreditvertr\u00e4ge in der Regel versichert, wodurch sich auch die Kosten f\u00fcr die Hypothek erh\u00f6hen. Gleichzeitig ist es angesichts des heutigen Rekordtiefs des Euribor sinnvoll, eine Vereinbarung mit einem variablen Zinssatz abzuschlie\u00dfen, aber niemand kann garantieren, dass der Euribor in einigen Jahren nicht zu wachsen beginnt. Wie dem auch sei, das Jahr 2016 ist wirklich vorteilhaft f\u00fcr die Aufnahme von Hypothekendarlehen f\u00fcr den Wohnungsbau in Spanien. Im Katalog des Investment- und Bauunternehmens Alegria finden Sie interessante Immobilienangebote, darunter auch Neubauten vom Bautr\u00e4ger ohne Provisionen oder \u00dcberzahlungen. Die aktuellen Preise f\u00fcr heute finden Sie in diesem Katalog.<\/p>","protected":false},"excerpt":{"rendered":"<p>Viele Jahre lang bevorzugten die Spanier Kredite mit variablem\u2026<\/p>\n","protected":false},"author":1,"featured_media":11175,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,15],"tags":[],"class_list":["post-11174","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles","category-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Festhypotheken sind auf dem H\u00f6hepunkt<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/alegria-realestate.com\/de\/wp-json\/wp\/v2\/posts\/11174\" \/>\n<meta property=\"og:locale\" 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