{"id":24735,"date":"2022-09-01T07:28:00","date_gmt":"2022-09-01T07:28:00","guid":{"rendered":"https:\/\/ginvest.es\/\/el-despertar-de-leuribor\/"},"modified":"2023-06-23T09:51:31","modified_gmt":"2023-06-23T09:51:31","slug":"el-despertar-de-leuribor","status":"publish","type":"post","link":"https:\/\/ginvest.es\/ca\/el-despertar-de-leuribor\/","title":{"rendered":"El despertar de l\u2019Euribor"},"content":{"rendered":"

 <\/p>\n

\u201cL\u2019Eur\u00edbor est\u00e0 pujant\u201d
\n\u201cFins on escalar\u00e0 l\u2019\u00edndex hipotecari?\u201d
\n\u201cLa pujada de l\u2019Eur\u00edbor empeny el salt de les hipoteques variables a les fixes\u201d
\n\u201cL\u2019Eur\u00edbor endureix m\u00e9s les vaques magres de setembre\u201d<\/h5>\n

Aquestes i moltes altres s\u00f3n les not\u00edcies amb les quals ens estem trobant di\u00e0riament des d\u2019inicis d\u2019any.<\/p>\n

\nPer\u00f2, qu\u00e8 \u00e9s l\u2019Eur\u00edbor i com ens afecta en el nostre dia a dia, l\u2019\u00edndex de refer\u00e8ncia hipotecari per excel\u00b7l\u00e8ncia?<\/h2>\n

\u00c9s un dels \u00edndexs m\u00e9s anomenats en la vida quotidiana, per\u00f2 alhora, per a molts el seu significat, c\u00e0lcul i origen \u00e9s desconegut. Es va implementar l\u20191 de gener del 1999, dia en el que entra en vigor l\u2019Euro com a moneda \u00fanica en 12 estats de la Uni\u00f3 Europea.<\/p>\n

\u00c9s l\u2019acr\u00f2nim de European InterBank Offered Rate, i \u00e9s el Tipus Europeu d\u2019Oferta Interbanc\u00e0ria, dit amb altres paraules, \u00e9s el tipus d\u2019inter\u00e8s de la zona euro pel qual els bancs i entitats de cr\u00e8dit es presten diners entre si a curt termini. Per\u00f2 se\u2019l coneix sobretot per ser el tipus d\u2019inter\u00e8s b\u00e0sic per el qual va referenciat el mercat hipotecari, aproximadament serveix de refer\u00e8ncia per al 90% de les hipoteques a Espanya. Anteriorment, s\u2019utilitzava el Mibor, Madrid InterBank Offered Rate, que tenia la mateixa funci\u00f3 que l\u2019Eur\u00edbor per\u00f2 en l\u2019\u00e0mbit espanyol.<\/p>\n

Es calcula i publica di\u00e0riament a partir del tipus d\u2019inter\u00e8s de les transaccions executades dels pr\u00e9stecs interbancaris de les principals entitats banc\u00e0ries amb major pes monetari de la zona euro, aquestes dades s\u2019extreuen de l\u2019Institut Europeu de Mercats Monetaris (EMMI) on s\u2019elimina el 15% de les operacions amb l\u2019inter\u00e8s m\u00e9s elevat i el 15% de les operacions amb l\u2019inter\u00e8s m\u00e9s baix, aleshores a partir del 70% dels valors restants, es calcula la mitja i s\u2019obt\u00e9 l\u2019eur\u00edbor oficial, que en funci\u00f3 de la freq\u00fc\u00e8ncia de les dades extretes podr\u00e0 ser setmanal, a un mes, tres mesos, sis mesos o dotze mesos.<\/p>\n

Quan sentim a parlar sobre l\u2019Eur\u00edbor, l\u2019acostumem a associar a les hipoteques, i no \u00e9s per menys, degut a que la seva relaci\u00f3 \u00e9s estreta i vinculant. Gran part de la poblaci\u00f3, en algun moment de la seva vida es planteja demanar una hipoteca, moment en el qual entra en joc el principal dilema d\u2019aquest tipus de pr\u00e9stec: hipoteca a tipus fix o variable?<\/h5>\n

Una hipoteca a tipus fix es defineix com a un pr\u00e9stec en el qual la quota mensual ser\u00e0 fixa durant el per\u00edode d\u2019amortitzaci\u00f3 i l\u2019Euribor nom\u00e9s entrer\u00e0 en joc en el moment de negociar aquest tipus fix.<\/p>\n

D\u2019altra banda en les hipoteques variables, la quota mensual estar\u00e0 lligada a l\u2019evoluci\u00f3 de l\u2019Eur\u00edbor, normalment aquestes es composen per un tipus fix, m\u00e9s el percentatge del Eur\u00edbor a 12 mesos. Per tant, si puja l\u2019 Euribor, la quota mensual augmentar\u00e0 i viceversa. Les entitats banc\u00e0ries solen revisar i actualitzar les hipoteques variables i les seves quotes cada 6 mesos.<\/p>\n

Estad\u00edsticament en per\u00edodes d\u2019elevats tipus d\u2019inter\u00e8s, les persones opten per una hipoteca de tipus variables, ja que les probabilitats de que l\u2019Eur\u00edbor baixi s\u00f3n m\u00e9s elevades. Darrerament hem viscut un per\u00edode de tipus pr\u00e0cticament al zero i les persones han optat per realitzar hipoteques a tipus fix. No obstant, segons les previsions d\u2019inflaci\u00f3 i les actuacions dels principals bancs centrals, aix\u00f2 podria canviar ben aviat.<\/p>\n

Encara que, a grans trets, la import\u00e0ncia de l\u2019Eur\u00edbor est\u00e0 marcada per l\u2019 estreta relaci\u00f3 amb les hipoteques, la seva evoluci\u00f3 tamb\u00e9 afecta a altres parts de l\u2019economia com ara la inversi\u00f3 en els mercats financers.<\/p>\n

Les fluctuacions de l\u2019Eur\u00edbor venen determinades per la pr\u00f2pia evoluci\u00f3 dels tipus d\u2019inter\u00e8s\u00a0que marca el Banc Central Europeu i les expectatives de la seva evoluci\u00f3.<\/p>\n

 <\/p>\n

Que est\u00e0 passant actualment?<\/h2>\n

La inflaci\u00f3 provocada pel conflicte b\u00e8lic entre R\u00fassia i Ucra\u00efna i les seves conseq\u00fc\u00e8ncies, com la crisi energ\u00e8tica, ha provocat que el BCE hagi hagut de posar en marxa una pol\u00edtica monet\u00e0ria m\u00e9s restrictiva, augmentant els tipus a finals de Juliol del 0% al 0,50% i amb l\u2019expectativa que arribin fins a 0,75%.<\/p>\n

L\u2019evoluci\u00f3 de l\u2019Eur\u00edbor, des d\u2019inicis del d\u2019any, ha fluctuat del -0,477% fins a superar l\u20191%, deixant enrere el terreny negatiu on es trobava des del 2016. Aquest factor ha representat un creixement significatiu ja que suposa una difer\u00e8ncia del 300% en el que va d\u2019any.<\/p>\n

 <\/p>\n

Com ho estem gestionant?<\/h2>\n

Per tal de reajustar les nostres carteres i minimitzar l\u2019impacte d\u2019aquesta nova situaci\u00f3, s\u2019ha optat per minimitzar l\u2019exposici\u00f3 en els sectors que es veuen m\u00e9s afectats per aquest fet com poden ser l\u2019immobiliari o Real Estate.<\/p>\n

 <\/p>\n

 <\/p>\n

\"\"<\/p>\n

Robert Saez<\/a><\/h3>\n
T\u00e8cnic de control de riscos<\/span><\/h6>\n

 <\/p>\n

\"\"<\/p>\n

J\u00falia Iruela<\/a><\/h3>\n
T\u00e8cnica de control de riscos<\/span><\/h6>\n

 <\/p>\n

 <\/p>\n

 <\/p>","protected":false},"excerpt":{"rendered":"

\u00abL’Eur\u00edbor est\u00e0 pujant\u00bb \u00abFins on escalar\u00e0 l’\u00edndex hipotecari?\u00bb \u00abLa pujada de l’Eur\u00edbor empeny el salt de les hipoteques variables a…<\/p>","protected":false},"author":14,"featured_media":24363,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-24735","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sin-categorizar"],"acf":[],"yoast_head":"\nEl despertar de l\u2019Euribor - GINVEST<\/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:\/\/ginvest.es\/ca\/el-despertar-de-leuribor\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"El despertar de l\u2019Euribor - GINVEST\" \/>\n<meta property=\"og:description\" content=\""L'Eur\u00edbor est\u00e0 pujant" "Fins on escalar\u00e0 l'\u00edndex hipotecari?" 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