{"id":80,"date":"2022-08-02T16:26:00","date_gmt":"2022-08-02T15:26:00","guid":{"rendered":"http:\/\/info.vivendex.com\/retail?p=80"},"modified":"2023-06-19T15:24:02","modified_gmt":"2023-06-19T14:24:02","slug":"es-retail-como-solicitar-hipoteca-local-comercial","status":"publish","type":"post","link":"https:\/\/info.vivendex.com\/retail\/es-retail-como-solicitar-hipoteca-local-comercial\/","title":{"rendered":"C\u00f3mo solicitar la hipoteca para un local comercial"},"content":{"rendered":"<p>Si est\u00e1s interesado en adquirir un local comercial, puede haberte surgido alguna duda sobre c\u00f3mo solicitar su hipoteca. En este art\u00edculo, te mostraremos sus diferencias en comparaci\u00f3n a las hipotecas para viviendas y resolveremos todas las dudas que puedan surgirte al respecto. <!--more--><\/p>\n<p>Las hipotecas no son un tr\u00e1mite \u00fanicamente reservado a las viviendas. Por lo que, como seguramente bien sab\u00edas, <a href=\"https:\/\/info.vivendex.com\/retail\/es-retail-uncategorized-alquilar-un-local-comercial-te-decimos-todo-lo-que-tienes-que-saber\/\" rel=\"noopener\">los locales comerciales<\/a> tampoco quedan exentos de ellas. Son muchos inversores los que actualmente demandan pr\u00e9stamos para financiar la adquisici\u00f3n de un local comercial y, en caso de que puedas encontrarte en una situaci\u00f3n similar, intentaremos resolver algunas de las dudas m\u00e1s comunes en el momento de embarcarte en este tipo de tr\u00e1mite.<\/p>\n<p>* En Vivendex ponemos a tu disposici\u00f3n una\u00a0<a href=\"https:\/\/info.vivendex.com\/es-es-simulador-hipoteca\/\" rel=\"noopener\">calculadora de la hipoteca <\/a>te ayudar\u00e1\u00a0a calcular la cuota mensual a la que tendr\u00e1s que enfrentarte.<\/p>\n<h6><a href=\"https:\/\/info.vivendex.com\/es-es-simulador-hipoteca\/\">Calcula tu hipoteca<\/a><\/h6>\n<h2><strong>Diferencias entre la hipoteca de un local y de una vivienda<\/strong><\/h2>\n<p>En el momento de comprar un local comercial, es importante tener claras las condiciones del contrato para obtener los acuerdos m\u00e1s beneficiosos. Para ello, hay que tener en cuenta que presentan <a href=\"https:\/\/info.vivendex.com\/retail\/es-retail-contratos-de-alquiler-de-locales-y-contratos-de-alquiler-de-viviendas\/\" rel=\"noopener\">caracter\u00edsticas diferentes<\/a> a las de los pr\u00e9stamos hipotecarios para viviendas:<\/p>\n<ul>\n<li><span style=\"font-weight: bold;\">El plazo de a<\/span><span style=\"font-weight: bold;\">mortizaci\u00f3n de la hipoteca de un local comercial es m\u00e1s corto: <\/span><span style=\"font-weight: normal;\">De media, las hipotecas para viviendas suelen pagarse entre los 25 y 30 a\u00f1os. En caso de los locales comerciales, deber\u00edan amortizarse <strong>en un plazo de 15 o 20 a\u00f1os.<\/strong> Teniendo en cuenta que, el importe a pagar suele ser tambi\u00e9n mayor, las entidades bancarias perciben este tipo de pr\u00e9stamos como un riesgo.<\/span><span style=\"font-weight: normal;\">Asimismo, las entidades bancarias establecen requisitos m\u00e1s exigentes para <span style=\"font-weight: bold;\">evitar riesgo de impago<\/span> por parte del titular.<\/span><\/li>\n<li><strong>Menor financiaci\u00f3n por parte de los bancos: <\/strong>Entre estos requisitos m\u00e1s exigentes, la financiaci\u00f3n de las hipotecas para locales <strong>se reduce hasta el 60<\/strong>%, en un caso favorable. Una bajada considerable en comparaci\u00f3n al 80% de financiaci\u00f3n en caso de las hipotecas para viviendas.<\/li>\n<li><strong>Gastos de hipoteca<\/strong>: Si vas a solicitar un cr\u00e9dito hipotecario para un local comercial, deber\u00e1s tener en cuenta que tendr\u00e1s que <span style=\"font-weight: bold;\">asumir los costes, as\u00ed como algunos impuestos<\/span> marcados por la legislaci\u00f3n en Espa\u00f1a. En funci\u00f3n de determinadas caracter\u00edsticas que pueda presentar el local, como por ejemplo, su localizaci\u00f3n, el tipo de transmisi\u00f3n o el uso que se le vaya a dar, tendr\u00e1s que abonar unos grav\u00e1menes u otros. En caso de querer comprar un local, deber\u00e1s poner <a href=\"https:\/\/info.vivendex.com\/retail\/es-retail-impuestos-en-la-compra-de-un-local-iva-o-itp\/\" rel=\"noopener\">especial atenci\u00f3n al IVA\/ITP.<\/a>Aunque <a href=\"https:\/\/www.boe.es\/buscar\/doc.php?id=BOE-A-2019-3814\" rel=\"noopener\">la Ley Hipotecaria de 2019<\/a> marcase que el banco asumir\u00eda la mayor parte de los gastos de hipoteca, era un punto que se reservaba a las hipotecas destinadas a vivienda.<\/li>\n<li><strong>Intereses hipotecarios m\u00e1s altos:<\/strong> Otro factor diferencial entre las hipotecas para locales y para vivienda de uso dom\u00e9stico es que, las primeras, presentan <strong>un tipo de inter\u00e9s m\u00e1s elevado<\/strong> que el que podr\u00edan presentar las hipotecas convencionales.<\/li>\n<\/ul>\n<p><strong style=\"color: #006a8e; font-size: 1.384em; font-style: inherit; font-variant-ligatures: inherit; font-variant-caps: inherit; background-color: transparent;\">Requisitos para solicitar la hipoteca de un local comercial<\/strong><\/p>\n<p>Ahora que conocemos las principales diferencias entre los dos tipos de hipotecas, podemos profundizar en los requisitos que se requieren para acceder a este cr\u00e9dito. Como los plazos de amortizaci\u00f3n son m\u00e1s cortos, ser\u00e1 fundamental que el titular disponga de los ahorros suficientes, as\u00ed como <span style=\"font-weight: bold;\">un buen perfil econ\u00f3mico<\/span> que le permita asumir el gasto.<\/p>\n<p>A consecuencia de este plazo de amortizaci\u00f3n, la edad del solicitante tambi\u00e9n ser\u00e1 un elemento clave. En el caso de querer solicitar la hipoteca de un local comercial, <span style=\"font-weight: bold;\">la edad deber\u00eda estar comprendida entre los 18 y 75 a\u00f1os.\u00a0<\/span><\/p>\n<h2><strong>Documentaci\u00f3n necesaria para solicitar la hipoteca de un local comercial<\/strong><\/h2>\n<p>Sabiendo las diferencias entre los dos tipos de hipotecas y los requisitos para solicitar este tipo de pr\u00e9stamos, es el momento de conocer <span style=\"font-weight: bold;\">la documentaci\u00f3n<\/span> que se te requerir\u00e1 en el momento de solicitar el pr\u00e9stamo:<\/p>\n<ul>\n<li>NIF o NIE.<\/li>\n<li>Recibos de otros pr\u00e9stamos.<\/li>\n<li>Tres \u00faltimas n\u00f3minas.<\/li>\n<li>Escrituras o <a href=\"\/es\/como-solicitar-la-nota-simple-de-un-piso-en-barcelona\" rel=\"noopener\">notas simples <\/a>de los inmuebles en propiedad y <a href=\"https:\/\/info.vivendex.com\/retail\/es-retail-factores-intervienen-valoracion-local\/\" rel=\"noopener\">su valor de mercado actual.<\/a><\/li>\n<li>Extractos bancarios de los \u00faltimos meses.<\/li>\n<li><a href=\"https:\/\/info.vivendex.com\/es-renta-2021-en-madrid-deducciones-por-vivienda-habitual\/\" rel=\"noopener\">Declaraci\u00f3n de la Renta <\/a>del \u00faltimo a\u00f1o.<\/li>\n<li><a href=\"https:\/\/info.vivendex.com\/retail\/es-retail-clausula-de-renuncia-en-los-contratos-de-arrendamiento-es-validad\/\" rel=\"noopener\">Contrato de arrendamiento<\/a> en caso de <a href=\"\/es\/como-calcular-la-rentabilidad-de-un-alquiler-con-hipoteca\" rel=\"noopener\">alquiler de\u00a0una vivienda.<\/a><\/li>\n<\/ul>\n<p>Sin embargo, si eres aut\u00f3nomo, deber\u00e1s a\u00f1adir los siguientes a la lista:<\/p>\n<ul>\n<li>Pagos trimestrales del IVA.<\/li>\n<li>Declaraci\u00f3n del IRPF anual.<\/li>\n<li>\u00daltimos recibos de la Seguridad Social.<\/li>\n<li>Declaraci\u00f3n anual del IVA.<\/li>\n<\/ul>\n<p>* Tanto si te encuentras en el proceso de compra de un local comercial y te gustar\u00eda calcular el presupuesto que tendr\u00edas que marcarte, como si ya has seleccionado un local y quieres saber cu\u00e1nto te queda por abonar de manera mensual, en Vivendex Business &amp; Retail, te recomendamos nuestro <a href=\"https:\/\/info.vivendex.com\/es-es-simulador-hipoteca\/\" rel=\"noopener\">Calculador de hipoteca. <\/a>Una manera eficaz de conocer el precio de la hipoteca.<\/p>\n<h6><a href=\"https:\/\/info.vivendex.com\/es-es-simulador-hipoteca\/\">Calcula tu hipoteca<\/a><\/h6>\n<p>Sin embargo, sabemos que el mercado inmobiliario de Barcelona es complejo y est\u00e1 lleno de factores que repercuten en una mayor o menor rentabilidad. Para todas estas gestiones, lo ideal es contar con la\u00a0ayuda de uno de nuestros profesionales en la zona. Te guiar\u00e1 y asesorar\u00e1 durante todo el proceso de compra o venta de tu local.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Si est\u00e1s interesado en adquirir un local comercial, puede haberte surgido alguna duda sobre c\u00f3mo solicitar su hipoteca. En este art\u00edculo, te mostraremos sus diferencias en comparaci\u00f3n a las hipotecas para viviendas y resolveremos todas las dudas que puedan surgirte al respecto.<\/p>\n","protected":false},"author":3,"featured_media":81,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[31],"tags":[19,18,17],"class_list":["post-80","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-retail","tag-comprar-local-comercial","tag-impuestos-de-locales","tag-invertir-en-locales"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>C\u00f3mo solicitar la hipoteca para un local comercial<\/title>\n<meta name=\"description\" content=\"Si est\u00e1s interesado en adquirir un local comercial, puede haberte surgido alguna duda sobre c\u00f3mo solicitar su hipoteca.\" 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