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¿Qué es el TAE de una hipoteca? Compra tu casa y ahorra Saltar al contenido Si has comprado vivienda o estás pensando en hacerlo seguramente has mirado varios bancos antes de decidir dónde pedir la hipoteca. Según la entidad bancaria tendrás más o menos comisiones. Uno de los indicadores que te dan todos los bancos y que más determinan los intereses a pagar es el TAE (Tasa Anual Equivalente) . Es fácil que conozcas ya que en la televisión se menciona bastante. Pero, ¿sabes realmente qué es y de qué depende su valor? Este artículo va de hipotecas, así que te explicaremos qué es el TAE en una hipoteca y cómo se determina. Prepárate a conocer las hipotecas mejor que la mayoría.
¿Qué es el TAE? Como hemos visto en la definición, las siglas TAE significan Tasa Anual Equivalente y se expresa como porcentaje. Se trata de un término definido por el Banco de España y se calcula con una fórmula matemática que incluye el TIN (Tipo de interés nominal), las comisiones y el plazo de operación del credito. Aunque en este post nos centraremos más en las hipotecas, el TAE aparece en todo tipo de préstamos y también en los productos de ahorro. En varios de los países de habla hispana, el término TAE fue utilizado obligatoriamente por parte de las instituciones crediticias desde los años 90, debido principalmente a la falta de claridad de la terminología utilizada por muchas instituciones financieras. Las entidades financieras solían reflejar solo la tasa de interés nominal, omitiendo otros conceptos como comisiones, gastos y otros cargos asociados, que en conjunto reflejaban una carga en ocasiones onerosa y distorsionada de la realidad. El TAE en España se utiliza desde 1987 .
¿Qué se incluye en el cálculo del TAE? Vamos a desgranar los componentes del TAE, que son:
TIN. Comisiones. Plazo de operación. El plazo de operación es aquel que tienes para devolver la totalidad del dinero . Un préstamo personal tiene un plazo de operación máximo de 7 años. En las hipotecas, sin embargo, los plazos son largos, de hecho las hay hasta de 50 años. El TIN para una hipoteca depende del euríbor. No vamos a entrar en más detalles sobre esta tasa porque ya le dedicamos un post. ¿Te interesa leerlo? Entonces haz clic aquí . Por último hablaremos con más detalle de las comisiones. En cualquier tipo de préstamo, incluidas las hipotecas, se incluyen 2 tipos de comisiones: comisión de apertura y comisión por cancelación anticipada .
1. Comisión de apertura Se trata de los gastos de las entidades financiera por la tramitación de cualquier crédito. La cantidad aplicada por comisión de apertura se cobra una sola vez, que suele ser cuando se firma el contrato crediticio. También es posible llegar un acuerdo con el banco para ir pagando esta pensión a la vez que las mensualidades del préstamo. La comisión por apertura tiene en cuenta gastos notariales, trámites de investigación, contratos y gastos de papelería .
2. Comisión por cancelación anticipada Es bastante frecuente que las entidades financieras concedan a sus clientes el derecho de cancelar un préstamo total o parcialmente antes de que termine el plazo . Esto parece muy interesante, pero también tiene su parte negativa porque el banco cobra una comisión por ello. ¿Por qué te cuesta dinero terminar de pagar el préstamo antes del tiempo acordado? Porque los intereses están calculados para la duración total del préstamo. Entonces si se cancela antes de tiempo, el beneficio para el banco es menor. La comisión por cancelación anticipada se calcula aplicando un porcentaje sobre la cantidad amortizada antes de tiempo. En los préstamos a interés variable esta comisión está limitada por ley al 1% . Las comisiones que los bancos aplican para los préstamos no hipotecarios son más altas que para los hipotecarios porque se trata de operaciones con más riesgo para los bancos. Esto es así porque en caso de no poder hacer frente al pago de una hipoteca se puede vender la casa para pagarla.
¿Qué es el TIN y el TAE en una hipoteca? El TIN mensual de una hipoteca se calcula partiendo del valor del euríbor y sumando el diferencial que aplica el banco.
TIN= Euríbor + Diferencial
En este caso vemos que el TIN será variable porque depende del euríbor y esta cambia a diario. El TAE depende de la tasa de interés nominal, por tanto también será variable. Ahora que sabemos el TIN falta calcular el TAE. Para conocer qué es el TAE en un préstamo hipotecario y calcularlo, lo mejor es irse a la Circular 5/2012 del Banco de España . La fórmula es compleja y no la detallaremos aquí.
¿Qué es el TAE variable de una hipoteca? Según el tipo de interés existen 3 tipos de préstamo hipotecario: de interés fijo, variable y mixto .
Hipoteca de TAE fijo : el valor del TAE se mantendrá durante toda la vida del préstamo. Esto será así independientemente de si los tipos de interés suben o bajan en el mercado.Hipoteca de TAE variable : significa que este valor se revisa anualmente y se fijará lo que marque el mercado . Actualmente este es el tipo de TAE que más se está viendo sobre todo porque los tipos de interés están yendo bastante a la baja . Esto les interesa a los bancos, pero sería distinto si los tipos de interés subieran.Hipoteca con TAE mixto : en estos se suele establecer un interés fijo durante los primeros años. Después el TAE será variable y se revisará anualmente en función del índice de referencia al que se suma un diferencial. Con todo esto ya estás en disposición de poder elegir una opción de hipoteca sabiendo que haces lo correcto. Para que no te falte nada, te dejamos unos últimos consejos.
Consejos sobre la elección de hipoteca entre varias entidades bancarias Si has consultado varios bancos como opciones para pedir una hipoteca, tienes que tener en cuenta algunas premisas para poder comparar unos con otros:
No compares el TAE de un préstamo fijo con el de un préstamo variable . En el caso de las hipotecas con TAE variable no se puede saber cuál será la evolución del TIN, que es uno de los datos que se utilizan para calcular el TAE. Si comparas hipotecas con interés fijo es más sencillo: a menor TAE, menos dinero pagarás.El valor del TAE sirve para comparar hipotecas siempre que tengan el mismo plazo de vencimiento . Ya te hemos explicado más arriba que el TAE se calcula teniendo en cuenta las comisiones y estas varían según el plazo para el que se calculan.Aunque aquí estamos hablando de hipotecas, debes tener en cuenta que no son comparables el TAE de un préstamo hipotecario y el de un préstamo personal. Si quieres realizar cálculos del TAE sencillos, te dejamos esta fórmula:
TAE = [(1+ r/f)^f] – 1
Las letras significan lo siguiente:
r : es el valor de la Tasa de Interés Nominal (TIN) expresado en forma decimal, no como porcentaje.f : frecuencia de pagos del interés. Su valor es 12 si el tipo es mensual, 6 si es bimestral, 4 si es trimestral, 3 si es cuatrimestral, 2 si es semestral, y 1 si es anual. Esta fórmula sirve para tener una idea simplificada, pero no se corresponde exactamente con la realidad. El cálculo real del TAE hipotecario es el que marca el Banco de España. Te dejamos de todas formas un vídeo con un ejemplo de cálculo siguiendo la fórmula dada. VIDEO
¿Conocías qué es el TAE de las hipotecas y su funcionamiento? El aspecto más importante de conocer el TAE no estriba en tener sólidos conocimientos en finanzas y un manejo avanzado de Excel u otros programas financieros, sino en comprender el sentido y alcance del resultado que proporcionará una institución bancaria. ¿Conocías qué es el TAE de una hipoteca y cómo se determina? Todo lo relacionado con las viviendas es de rabiosa actualidad, así que espero leer tu experiencia en los comentarios.