{"id":52050,"date":"2024-09-19T17:00:00","date_gmt":"2024-09-19T15:00:00","guid":{"rendered":"https:\/\/www.11onze.cat\/?p=52050"},"modified":"2024-09-19T16:48:45","modified_gmt":"2024-09-19T14:48:45","slug":"como-funcionan-avales-ico-hipotecas","status":"publish","type":"post","link":"https:\/\/www.11onze.cat\/es\/magazine\/como-funcionan-avales-ico-hipotecas\/","title":{"rendered":"\u00bfC\u00f3mo funcionan los avales ICO para hipotecas?"},"content":{"rendered":"<div class=\"component text\">\n  <div class=\"container\">\n\n\n    <div class=\"row\">\n      <div class=\"col  col-lg-8  offset-lg-2\">\n        <h3><b>La l\u00ednea de avales subscrita entre el Instituto de Cr\u00e9dito Oficial (ICO) y el Gobierno para cubrir el 20% del valor total del cr\u00e9dito de una vivienda finalizar\u00e1 el 31 de diciembre de 2025. Te explicamos qu\u00e9 requisitos y condiciones se tienen que cumplir para acceder a ellos.<\/b><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Para evitar que la falta de ahorros sea un impedimento para el acceso a la vivienda en propiedad de<\/span><b> j\u00f3venes que no disponen del dinero suficiente para pagar la entrada del 20%<\/b><span style=\"font-weight: 400;\">, el Gobierno del Estado, en colaboraci\u00f3n con el Instituto de Cr\u00e9dito Oficial (ICO), ha puesto en marcha un aval hipotecario con el cual se puede financiar hasta el 100% de la compra de una vivienda. Esta medida es gratuita tanto para el titular del pr\u00e9stamo como para el banco que lo concede.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">La l\u00ednea de avales con el ICO est\u00e1 <\/span><b>dotada con 2.500 millones de euros y se dirige a los j\u00f3venes de menos de 35 a\u00f1os y a familias con hijos a su cargo<\/b><span style=\"font-weight: 400;\">, para ayudarles a comprar su primera vivienda. El Gobierno prev\u00e9 que esta medida ayudar\u00e1 m\u00e1s de 50.000 ciudadanos solventes que no han podido ahorrar bastante para la entrada de la compra de una casa o de un piso, puesto que, por norma general, las entidades financieras solo financian, aproximadamente, un 80% del valor de tasaci\u00f3n del inmueble.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Este aval puede ascender <\/span><b>hasta el 25% en caso de que la vivienda adquirida disponga de una calificaci\u00f3n energ\u00e9tica D o superior y tendr\u00e1 una vigencia de 10 a\u00f1os<\/b><span style=\"font-weight: 400;\"> desde que se formalice la operaci\u00f3n. El plazo para formalizar los pr\u00e9stamos que se acojan a esta l\u00ednea de avales finalizar\u00e1 el 31 de diciembre de 2025, estableci\u00e9ndose la posibilidad en el convenio de poder ampliar el plazo hasta 2027. En el caso de Catalu\u00f1a, el precio de la vivienda a adquirir no podr\u00e1 superar los 300.000 euros.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><b>Requisitos adicionales que tienen que cumplir los solicitantes<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Los avales est\u00e1n pensados para personas f\u00edsicas mayores de edad, con residencia legal en Espa\u00f1a, acreditada de manera continua e ininterrumpida durante los dos a\u00f1os anteriores a la solicitud del pr\u00e9stamo y con <\/span><b>ingresos que no superen los 37.800 euros brutos al a\u00f1o <\/b><span style=\"font-weight: 400;\">(4,5 veces el IPREM).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Si dos personas compran la vivienda, el l\u00edmite de ingresos se duplica. Adem\u00e1s, salvo algunas excepciones, <\/span><b>no pueden disponer con anterioridad de otra vivienda <\/b><span style=\"font-weight: 400;\">y el patrimonio m\u00e1ximo del avalado no puede superar los 100.000 euros.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Durante el plazo del aval (hasta 10 a\u00f1os), <\/span><b>la vivienda tiene que ser la residencia habitual del beneficiario<\/b><span style=\"font-weight: 400;\">, salvo que haya circunstancias que requieran un cambio, como por ejemplo la consumaci\u00f3n de un matrimonio, separaci\u00f3n matrimonial, traslado laboral, obtenci\u00f3n de primera ocupaci\u00f3n o de ocupaci\u00f3n m\u00e1s ventajosa. En estos casos la vivienda se podr\u00e1 poner de alquiler.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Para acceder a los avales ICO, hay que seguir un procedimiento estipulado en el Bolet\u00edn Oficial del Estado (<\/span><a href=\"https:\/\/www.boe.es\/diario_boe\/txt.php?id=BOE-A-2024-9128\"><span style=\"font-weight: 400;\">BOE<\/span><\/a><span style=\"font-weight: 400;\">), que tambi\u00e9n detalla los documentos que hay que presentar.<\/span><\/p>\n<p><b>Si quieres descubrir la mejor opci\u00f3n para proteger tus ahorros, entra en <\/b><a href=\"https:\/\/serveis.11onze.cat\/es\/preciosos-11onze\"><b>Preciosos 11Onze<\/b><\/a><b>. Te ayudaremos a comprar al mejor precio el valor refugio por excelencia: el oro f\u00edsico.<\/b><\/p>\n\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n\n<div class=\"component cards\">\n  <div class=\"container\">\n    <div class=\"row\">\n      <div class=\"col col-xl-8 offset-xl-2\">\n        <h1>Si te ha gustado este art\u00edculo, te recomendamos:<\/h1>\n        <div class=\"cards__wrapper\">\n          <div class=\"card\">\n            <a href=\"https:\/\/www.11onze.cat\/es\/magazine\/losa-socioeconomica-crisis-vivienda\/\" class=\"card-link\" target=\"_self\"><\/a>\n            <div class=\"card-img\">\n              <img decoding=\"async\" src=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2024\/09\/THUMBNAIL_IMAGE_Crisi_Habitatge-768x512.jpg\" class=\"card-img-top\" alt=\"\">\n            <\/div>\n            <div class=\"card-body\">\n              <p class=\"card-title p2\"><strong>La losa socioecon\u00f3mica de la crisis de la vivienda<\/strong><\/p>\n              <span class=\"card-time\">3min lectura<\/span>\n              <p class=\"card-text small\">La crisis de la vivienda en Espa\u00f1a no solo ha creado una&#8230;<\/p>\n            <\/div>\n          <\/div>\n\n\n          <div class=\"card\">\n            <a href=\"https:\/\/www.11onze.cat\/es\/magazine\/alquilar-pisos-casas\/\" class=\"card-link\" target=\"_self\"><\/a>\n            <div class=\"card-img\">\n              <img decoding=\"async\" src=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2021\/06\/THUMBNAIL_LLOGUER_ABUSIU-768x513.jpg\" class=\"card-img-top\" alt=\"\">\n            <\/div>\n            <div class=\"card-body\">\n              <p class=\"card-title p2\"><strong>Qu\u00e9 aceptar y qu\u00e9 no en alquilar una vivienda<\/strong><\/p>\n              <span class=\"card-time\">3min lectura<\/span>\n              <p class=\"card-text small\">En el mercado inmobiliario, y concretamente en el del&#8230;<\/p>\n            <\/div>\n          <\/div>\n\n\n          <div class=\"card\">\n            <a href=\"https:\/\/www.11onze.cat\/es\/magazine\/amortizar-hipoteca\/\" class=\"card-link\" target=\"_self\"><\/a>\n            <div class=\"card-img\">\n              <img decoding=\"async\" src=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2022\/10\/THUMBNAIL_AMORTITZACIO_HIPOTECA.jpg\" class=\"card-img-top\" alt=\"\">\n            <\/div>\n            <div class=\"card-body\">\n              <p class=\"card-title p2\"><strong>\u00bfMerece la pena amortizar la hipoteca?<\/strong><\/p>\n              <span class=\"card-time\">3min lectura<\/span>\n              <p class=\"card-text small\">Si tenemos dinero ahorrado, y estamos pagando una&#8230;<\/p>\n            <\/div>\n          <\/div>\n\n              <\/div>\n              <br>\n              <br>\n              <div class=\"cards__wrapper\">\n\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":71,"featured_media":52040,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":true,"content-type":"","footnotes":""},"categories":[28],"tags":[],"class_list":["post-52050","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sin-categorizar"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u00bfC\u00f3mo funcionan los avales ICO para hipotecas? 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