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¿Amortizar préstamo o ahorrar?

ahorrar o amortizar con Kutxabank

 

Si estás pensando en amortizar parcialmente tu préstamo hipotecario con el ahorro generado durante el año,  te aconsejamos que antes de tomar la decisión consideres los siguientes aspectos:

En un entorno de tipos de interés bajos (negativos) como el que nos encontramos, la parte que corresponde a los intereses en tu cuota no es tan relevante como en épocas de tipos más elevados. El ahorro real al amortizar un préstamo hipotecario son los intereses que pagarías en cada cuota.

Además, es importante disponer de liquidez para:

1-      Poder hacer frente a un imprevisto.

2-      Llevar a cabo un nuevo proyecto/ oportunidad. (entrega de señal para compra de vivienda nueva).

3-      Obtener rentabilidad a través de la inversión.

Si amortizas tu hipoteca y tienes un gasto inesperado  (por ejemplo, la necesidad de comprar un coche) es muy probable que necesites un préstamo personal cuyo tipo de interés será superior al que pagas actualmente en tu préstamo hipotecario.

Tener un “colchón” de ahorro además, te garantiza que ante una hipotética situación de falta de ingresos puedas seguir pagando las cuotas de la hipoteca mes a mes mientras resuelves la situación.

Así, hoy en día conviene optar por el ahorro frente a la amortización de nuestro préstamo hipotecario.

Si quieres conocer las distintas opciones de ahorro/inversión de Cajasur, rellena este formulario y un gestor o gestora se pondrá en contacto contigo.

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