{"id":9595,"date":"2025-11-25T06:53:17","date_gmt":"2025-11-25T05:53:17","guid":{"rendered":"https:\/\/www.norzpatrimonia.com\/blog\/?p=9595"},"modified":"2025-11-19T12:58:18","modified_gmt":"2025-11-19T11:58:18","slug":"la-mejor-forma-de-comprar-tu-piso-que-casi-nadie-usa","status":"publish","type":"post","link":"https:\/\/www.norzpatrimonia.com\/blog\/la-mejor-forma-de-comprar-tu-piso-que-casi-nadie-usa\/","title":{"rendered":"La mejor forma de comprar tu piso (que casi nadie usa)"},"content":{"rendered":"<p>Por <a class=\"pencraft pc-reset decoration-hover-underline-ClDVRM reset-IxiVJZ\" href=\"https:\/\/substack.com\/@santiagogarciamussons\">Santiago Garc\u00eda-Mussons<\/a><\/p>\n<h3 class=\"subtitle subtitle-HEEcLo\" dir=\"auto\">Compra al 100% usando tu cartera como aval: mant\u00e9n tus inversiones trabajando mientras firmas la hipoteca.<\/h3>\n<p>Tu cartera de inversi\u00f3n queda como\u00a0<strong>garant\u00eda o aval<\/strong>, t\u00fa sigues siendo el due\u00f1o y le permites seguir creciendo (inter\u00e9s compuesto).<\/p>\n<p>Esto puede suponer\u00a0<strong>decenas de miles de euros<\/strong>\u00a0a tu favor en pocos a\u00f1os. Te lo ense\u00f1o m\u00e1s abajo.<\/p>\n<h1 class=\"header-anchor-post\">Qu\u00e9 pasa cuando NO pignoras:<\/h1>\n<div class=\"pencraft pc-display-flex pc-alignItems-center pc-position-absolute pc-reset header-anchor-parent\">\n<div class=\"pencraft pc-display-contents pc-reset pubTheme-yiXxQA\">\n<div id=\"\u00a7que-pasa-cuando-no-pignoras\" class=\"pencraft pc-reset header-anchor offset-top\"><\/div>\n<p><button class=\"pencraft pc-reset pencraft iconButton-mq_Et5 iconButtonBase-dJGHgN buttonBase-GK1x3M buttonStyle-r7yGCK size_sm-G3LciD priority_secondary-S63h9o\" tabindex=\"0\" type=\"button\" aria-label=\"Link\" data-href=\"https:\/\/santiagogarciamussons.substack.com\/i\/177899189\/que-pasa-cuando-no-pignoras\"><\/button><\/div>\n<\/div>\n<p><strong>Vendes tu cartera\u00a0<\/strong>(o parte de ella) para pagar la entrada de un piso o una casa.<\/p>\n<ul>\n<li>\u274c Pagas impuestos<\/li>\n<li>\u274c Te quedas sin tu cartera de inversi\u00f3n<\/li>\n<li>\u274c Pierdes fuente de ingresos<\/li>\n<\/ul>\n<h1 class=\"header-anchor-post\">Qu\u00e9 pasa cuando S\u00cd pignoras:<\/h1>\n<div class=\"pencraft pc-display-flex pc-alignItems-center pc-position-absolute pc-reset header-anchor-parent\">\n<div class=\"pencraft pc-display-contents pc-reset pubTheme-yiXxQA\">\n<div id=\"\u00a7que-pasa-cuando-si-pignoras\" class=\"pencraft pc-reset header-anchor offset-top\"><\/div>\n<p><button class=\"pencraft pc-reset pencraft iconButton-mq_Et5 iconButtonBase-dJGHgN buttonBase-GK1x3M buttonStyle-r7yGCK size_sm-G3LciD priority_secondary-S63h9o\" tabindex=\"0\" type=\"button\" aria-label=\"Link\" data-href=\"https:\/\/santiagogarciamussons.substack.com\/i\/177899189\/que-pasa-cuando-si-pignoras\"><\/button><\/div>\n<\/div>\n<ul>\n<li><strong>\u2705 No se venden<\/strong>.\u00a0<em>No tienes que vender tus inversiones, por lo que no tributas por las plusval\u00edas generadas en el momento de la compra del piso.<\/em><\/li>\n<li><strong>\u2705 Los activos pueden seguir generando rentabilidad<\/strong>:<em>\u00a0Tus inversiones permanecen invertidas y pueden continuar generando ganancias (dividendos, revalorizaci\u00f3n), lo que potencialmente puede superar el coste del pr\u00e9stamo.<\/em><\/li>\n<li><strong>\u2705 Condiciones de pr\u00e9stamo favorables:<\/strong>\u00a0<em>Al ofrecer una garant\u00eda s\u00f3lida, es posible obtener un pr\u00e9stamo con intereses m\u00e1s bajos.<\/em><\/li>\n<li><strong>\u2705 Consigues las dos cosas: mantener t\u00fa cartera y comprar un piso.<\/strong><\/li>\n<\/ul>\n<p>Veamos un ejemplo para ver claramente las ventajas:<\/p>\n<h2 class=\"header-anchor-post\"><strong>Comprar al 100% usando tu cartera como aval<\/strong><\/h2>\n<p>El banco te presta el\u00a0<strong>80%<\/strong>\u00a0con hipoteca normal y el\u00a0<strong>20%<\/strong>\u00a0extra con un pr\u00e9stamo\u00a0<strong>m\u00e1s barato<\/strong>\u00a0porque\u00a0<strong>dejas tu cartera como aval<\/strong>. No vendes tus fondos, ETF\u2019s o acciones: quedan\u00a0<strong>reservados<\/strong>\u00a0como garant\u00eda.<\/p>\n<p><strong>Supuestos ejemplo:<\/strong><\/p>\n<ul>\n<li><strong>Precio piso:<\/strong>\u00a0300.000 \u20ac<\/li>\n<li><strong>Hipoteca est\u00e1ndar (80%)<\/strong>: 240.000 \u20ac a\u00a0<strong>2,75% TIN<\/strong>,\u00a0<strong>30 a\u00f1os<\/strong><\/li>\n<li><strong>Tramo avalado (20%)<\/strong>:\u00a0<strong>60.000 \u20ac<\/strong>\u00a0a\u00a0<strong>1,75% TIN<\/strong>,\u00a0<strong>15 a\u00f1os<\/strong><\/li>\n<li><strong>Tu cartera hoy:<\/strong>\u00a0200.000 \u20ac \u2192 decides dar como aval el\u00a0<strong>70%<\/strong>\u00a0(=\u00a0<strong>140.000 \u20ac<\/strong>). Esto significa que no vas a poder tocar estos 140k \u20ac. El resto te lo quedas para gestionarlos como quieras.\n<ul>\n<li>El banco analiza tu cartera de 140k y acepta un\u00a0<strong>70%<\/strong>\u00a0como garant\u00eda \u00fatil \u2192\u00a0<strong>98.000 \u20ac<\/strong>\u00a0(suficiente para cubrir los\u00a0<strong>60.000 \u20ac<\/strong>\u00a0de entrada con colch\u00f3n)<\/li>\n<\/ul>\n<\/li>\n<li><strong>Rentabilidad de la cartera:<\/strong>\u00a0<strong>+8% anual<\/strong><\/li>\n<li><em>(Gastos\/impuestos y TAE reales fuera del ejemplo para centrar la mec\u00e1nica.)<\/em><\/li>\n<\/ul>\n<h3 class=\"header-anchor-post\"><strong>1) \u00bfCu\u00e1nto pago al mes?<\/strong><\/h3>\n<div class=\"pencraft pc-display-flex pc-alignItems-center pc-position-absolute pc-reset header-anchor-parent\">\n<div class=\"pencraft pc-display-contents pc-reset pubTheme-yiXxQA\">\n<div id=\"\u00a7cuanto-pago-al-mes\" class=\"pencraft pc-reset header-anchor offset-top\"><\/div>\n<p><button class=\"pencraft pc-reset pencraft iconButton-mq_Et5 iconButtonBase-dJGHgN buttonBase-GK1x3M buttonStyle-r7yGCK size_sm-G3LciD priority_secondary-S63h9o\" tabindex=\"0\" type=\"button\" aria-label=\"Link\" data-href=\"https:\/\/santiagogarciamussons.substack.com\/i\/177899189\/cuanto-pago-al-mes\"><\/button><\/div>\n<\/div>\n<div class=\"captioned-image-container\">\n<figure>\n<div class=\"image2-inset can-restack\"><picture><source srcset=\"https:\/\/substackcdn.com\/image\/fetch\/$s_!hqBN!,w_424,c_limit,f_webp,q_auto:good,fl_progressive:steep\/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F73743de0-84ba-45c1-8390-fd9dc26d040a_1978x528.jpeg 424w, https:\/\/substackcdn.com\/image\/fetch\/$s_!hqBN!,w_848,c_limit,f_webp,q_auto:good,fl_progressive:steep\/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F73743de0-84ba-45c1-8390-fd9dc26d040a_1978x528.jpeg 848w, https:\/\/substackcdn.com\/image\/fetch\/$s_!hqBN!,w_1272,c_limit,f_webp,q_auto:good,fl_progressive:steep\/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F73743de0-84ba-45c1-8390-fd9dc26d040a_1978x528.jpeg 1272w, https:\/\/substackcdn.com\/image\/fetch\/$s_!hqBN!,w_1456,c_limit,f_webp,q_auto:good,fl_progressive:steep\/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F73743de0-84ba-45c1-8390-fd9dc26d040a_1978x528.jpeg 1456w\" type=\"image\/webp\" sizes=\"100vw\" \/><img loading=\"lazy\" decoding=\"async\" class=\"sizing-normal\" src=\"https:\/\/substackcdn.com\/image\/fetch\/$s_!hqBN!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep\/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F73743de0-84ba-45c1-8390-fd9dc26d040a_1978x528.jpeg\" sizes=\"auto, 100vw\" srcset=\"https:\/\/substackcdn.com\/image\/fetch\/$s_!hqBN!,w_424,c_limit,f_auto,q_auto:good,fl_progressive:steep\/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F73743de0-84ba-45c1-8390-fd9dc26d040a_1978x528.jpeg 424w, https:\/\/substackcdn.com\/image\/fetch\/$s_!hqBN!,w_848,c_limit,f_auto,q_auto:good,fl_progressive:steep\/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F73743de0-84ba-45c1-8390-fd9dc26d040a_1978x528.jpeg 848w, https:\/\/substackcdn.com\/image\/fetch\/$s_!hqBN!,w_1272,c_limit,f_auto,q_auto:good,fl_progressive:steep\/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F73743de0-84ba-45c1-8390-fd9dc26d040a_1978x528.jpeg 1272w, https:\/\/substackcdn.com\/image\/fetch\/$s_!hqBN!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep\/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F73743de0-84ba-45c1-8390-fd9dc26d040a_1978x528.jpeg 1456w\" alt=\"\" width=\"1456\" height=\"389\" data-attrs=\"{&quot;src&quot;:&quot;https:\/\/substack-post-media.s3.amazonaws.com\/public\/images\/73743de0-84ba-45c1-8390-fd9dc26d040a_1978x528.jpeg&quot;,&quot;srcNoWatermark&quot;:null,&quot;fullscreen&quot;:null,&quot;imageSize&quot;:null,&quot;height&quot;:389,&quot;width&quot;:1456,&quot;resizeWidth&quot;:null,&quot;bytes&quot;:117449,&quot;alt&quot;:null,&quot;title&quot;:null,&quot;type&quot;:&quot;image\/jpeg&quot;,&quot;href&quot;:null,&quot;belowTheFold&quot;:true,&quot;topImage&quot;:false,&quot;internalRedirect&quot;:&quot;https:\/\/santiagogarciamussons.substack.com\/i\/177899189?img=https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F73743de0-84ba-45c1-8390-fd9dc26d040a_1978x528.jpeg&quot;,&quot;isProcessing&quot;:false,&quot;align&quot;:null,&quot;offset&quot;:false}\" \/><\/picture>\n<div class=\"image-link-expand\">\n<div class=\"pencraft pc-display-flex pc-gap-8 pc-reset\"><\/div>\n<\/div>\n<\/div>\n<\/figure>\n<\/div>\n<p>Con aval pagas\u00a0<strong>m\u00e1s al principio<\/strong>\u00a0(porque el tramo de la entrada va a\u00a0<strong>15 a\u00f1os<\/strong>), pero\u00a0<strong>no vendes<\/strong>\u00a0la cartera y \u00e9sta\u00a0<strong>sigue creciendo<\/strong>.<\/p>\n<h3 class=\"header-anchor-post\"><strong>2) \u00bfC\u00f3mo queda mi patrimonio con el tiempo?<\/strong><\/h3>\n<h3 class=\"header-anchor-post\"><strong>A) Sin pignorar<\/strong> (sin aval, garant\u00eda)\ud83d\udc47\ud83c\udffc<\/h3>\n<div class=\"captioned-image-container\">\n<figure>\n<div class=\"image2-inset can-restack\"><picture><source srcset=\"https:\/\/substackcdn.com\/image\/fetch\/$s_!a7jq!,w_424,c_limit,f_webp,q_auto:good,fl_progressive:steep\/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fedbcdec5-1dae-4d5d-9c38-7c40cff5b14b_1688x436.jpeg 424w, https:\/\/substackcdn.com\/image\/fetch\/$s_!a7jq!,w_848,c_limit,f_webp,q_auto:good,fl_progressive:steep\/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fedbcdec5-1dae-4d5d-9c38-7c40cff5b14b_1688x436.jpeg 848w, https:\/\/substackcdn.com\/image\/fetch\/$s_!a7jq!,w_1272,c_limit,f_webp,q_auto:good,fl_progressive:steep\/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fedbcdec5-1dae-4d5d-9c38-7c40cff5b14b_1688x436.jpeg 1272w, https:\/\/substackcdn.com\/image\/fetch\/$s_!a7jq!,w_1456,c_limit,f_webp,q_auto:good,fl_progressive:steep\/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fedbcdec5-1dae-4d5d-9c38-7c40cff5b14b_1688x436.jpeg 1456w\" type=\"image\/webp\" sizes=\"100vw\" \/><img loading=\"lazy\" decoding=\"async\" class=\"sizing-normal\" src=\"https:\/\/substackcdn.com\/image\/fetch\/$s_!a7jq!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep\/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fedbcdec5-1dae-4d5d-9c38-7c40cff5b14b_1688x436.jpeg\" sizes=\"auto, 100vw\" srcset=\"https:\/\/substackcdn.com\/image\/fetch\/$s_!a7jq!,w_424,c_limit,f_auto,q_auto:good,fl_progressive:steep\/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fedbcdec5-1dae-4d5d-9c38-7c40cff5b14b_1688x436.jpeg 424w, https:\/\/substackcdn.com\/image\/fetch\/$s_!a7jq!,w_848,c_limit,f_auto,q_auto:good,fl_progressive:steep\/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fedbcdec5-1dae-4d5d-9c38-7c40cff5b14b_1688x436.jpeg 848w, https:\/\/substackcdn.com\/image\/fetch\/$s_!a7jq!,w_1272,c_limit,f_auto,q_auto:good,fl_progressive:steep\/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fedbcdec5-1dae-4d5d-9c38-7c40cff5b14b_1688x436.jpeg 1272w, https:\/\/substackcdn.com\/image\/fetch\/$s_!a7jq!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep\/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fedbcdec5-1dae-4d5d-9c38-7c40cff5b14b_1688x436.jpeg 1456w\" alt=\"\" width=\"1456\" height=\"376\" data-attrs=\"{&quot;src&quot;:&quot;https:\/\/substack-post-media.s3.amazonaws.com\/public\/images\/edbcdec5-1dae-4d5d-9c38-7c40cff5b14b_1688x436.jpeg&quot;,&quot;srcNoWatermark&quot;:null,&quot;fullscreen&quot;:null,&quot;imageSize&quot;:null,&quot;height&quot;:376,&quot;width&quot;:1456,&quot;resizeWidth&quot;:null,&quot;bytes&quot;:109417,&quot;alt&quot;:null,&quot;title&quot;:null,&quot;type&quot;:&quot;image\/jpeg&quot;,&quot;href&quot;:null,&quot;belowTheFold&quot;:true,&quot;topImage&quot;:false,&quot;internalRedirect&quot;:&quot;https:\/\/santiagogarciamussons.substack.com\/i\/177899189?img=https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fedbcdec5-1dae-4d5d-9c38-7c40cff5b14b_1688x436.jpeg&quot;,&quot;isProcessing&quot;:false,&quot;align&quot;:null,&quot;offset&quot;:false}\" \/><\/picture>\n<div class=\"image-link-expand\">\n<div class=\"pencraft pc-display-flex pc-gap-8 pc-reset\"><\/div>\n<\/div>\n<\/div>\n<\/figure>\n<\/div>\n<h3 class=\"header-anchor-post\"><strong>B) Pignorando<\/strong> (con aval, garant\u00eda)\ud83d\udc47\ud83c\udffc<\/h3>\n<div class=\"captioned-image-container\">\n<figure>\n<div class=\"image2-inset can-restack\"><picture><source srcset=\"https:\/\/substackcdn.com\/image\/fetch\/$s_!B18C!,w_424,c_limit,f_webp,q_auto:good,fl_progressive:steep\/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F2ccc3256-7a00-4754-9367-141c4afa3afb_1678x508.jpeg 424w, https:\/\/substackcdn.com\/image\/fetch\/$s_!B18C!,w_848,c_limit,f_webp,q_auto:good,fl_progressive:steep\/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F2ccc3256-7a00-4754-9367-141c4afa3afb_1678x508.jpeg 848w, https:\/\/substackcdn.com\/image\/fetch\/$s_!B18C!,w_1272,c_limit,f_webp,q_auto:good,fl_progressive:steep\/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F2ccc3256-7a00-4754-9367-141c4afa3afb_1678x508.jpeg 1272w, https:\/\/substackcdn.com\/image\/fetch\/$s_!B18C!,w_1456,c_limit,f_webp,q_auto:good,fl_progressive:steep\/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F2ccc3256-7a00-4754-9367-141c4afa3afb_1678x508.jpeg 1456w\" type=\"image\/webp\" sizes=\"100vw\" \/><img loading=\"lazy\" decoding=\"async\" class=\"sizing-normal\" src=\"https:\/\/substackcdn.com\/image\/fetch\/$s_!B18C!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep\/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F2ccc3256-7a00-4754-9367-141c4afa3afb_1678x508.jpeg\" sizes=\"auto, 100vw\" srcset=\"https:\/\/substackcdn.com\/image\/fetch\/$s_!B18C!,w_424,c_limit,f_auto,q_auto:good,fl_progressive:steep\/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F2ccc3256-7a00-4754-9367-141c4afa3afb_1678x508.jpeg 424w, https:\/\/substackcdn.com\/image\/fetch\/$s_!B18C!,w_848,c_limit,f_auto,q_auto:good,fl_progressive:steep\/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F2ccc3256-7a00-4754-9367-141c4afa3afb_1678x508.jpeg 848w, https:\/\/substackcdn.com\/image\/fetch\/$s_!B18C!,w_1272,c_limit,f_auto,q_auto:good,fl_progressive:steep\/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F2ccc3256-7a00-4754-9367-141c4afa3afb_1678x508.jpeg 1272w, https:\/\/substackcdn.com\/image\/fetch\/$s_!B18C!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep\/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F2ccc3256-7a00-4754-9367-141c4afa3afb_1678x508.jpeg 1456w\" alt=\"\" width=\"1456\" height=\"441\" data-attrs=\"{&quot;src&quot;:&quot;https:\/\/substack-post-media.s3.amazonaws.com\/public\/images\/2ccc3256-7a00-4754-9367-141c4afa3afb_1678x508.jpeg&quot;,&quot;srcNoWatermark&quot;:null,&quot;fullscreen&quot;:null,&quot;imageSize&quot;:null,&quot;height&quot;:441,&quot;width&quot;:1456,&quot;resizeWidth&quot;:null,&quot;bytes&quot;:120629,&quot;alt&quot;:null,&quot;title&quot;:null,&quot;type&quot;:&quot;image\/jpeg&quot;,&quot;href&quot;:null,&quot;belowTheFold&quot;:true,&quot;topImage&quot;:false,&quot;internalRedirect&quot;:&quot;https:\/\/santiagogarciamussons.substack.com\/i\/177899189?img=https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F2ccc3256-7a00-4754-9367-141c4afa3afb_1678x508.jpeg&quot;,&quot;isProcessing&quot;:false,&quot;align&quot;:null,&quot;offset&quot;:false}\" \/><\/picture>\n<div class=\"image-link-expand\">\n<div class=\"pencraft pc-display-flex pc-gap-8 pc-reset\"><\/div>\n<\/div>\n<\/div>\n<\/figure>\n<\/div>\n<h3 class=\"header-anchor-post\"><strong>\u00bfCu\u00e1nto ganas al pignorar?\u00a0<\/strong>\ud83d\udc47\ud83c\udffc<\/h3>\n<div class=\"captioned-image-container\">\n<figure>\n<div class=\"image2-inset can-restack\"><picture><source srcset=\"https:\/\/substackcdn.com\/image\/fetch\/$s_!3SqS!,w_424,c_limit,f_webp,q_auto:good,fl_progressive:steep\/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F04b0e44e-eb78-4316-8b0d-86737e55341e_1676x424.jpeg 424w, https:\/\/substackcdn.com\/image\/fetch\/$s_!3SqS!,w_848,c_limit,f_webp,q_auto:good,fl_progressive:steep\/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F04b0e44e-eb78-4316-8b0d-86737e55341e_1676x424.jpeg 848w, https:\/\/substackcdn.com\/image\/fetch\/$s_!3SqS!,w_1272,c_limit,f_webp,q_auto:good,fl_progressive:steep\/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F04b0e44e-eb78-4316-8b0d-86737e55341e_1676x424.jpeg 1272w, https:\/\/substackcdn.com\/image\/fetch\/$s_!3SqS!,w_1456,c_limit,f_webp,q_auto:good,fl_progressive:steep\/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F04b0e44e-eb78-4316-8b0d-86737e55341e_1676x424.jpeg 1456w\" type=\"image\/webp\" sizes=\"100vw\" \/><img loading=\"lazy\" decoding=\"async\" class=\"sizing-normal\" src=\"https:\/\/substackcdn.com\/image\/fetch\/$s_!3SqS!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep\/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F04b0e44e-eb78-4316-8b0d-86737e55341e_1676x424.jpeg\" sizes=\"auto, 100vw\" srcset=\"https:\/\/substackcdn.com\/image\/fetch\/$s_!3SqS!,w_424,c_limit,f_auto,q_auto:good,fl_progressive:steep\/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F04b0e44e-eb78-4316-8b0d-86737e55341e_1676x424.jpeg 424w, https:\/\/substackcdn.com\/image\/fetch\/$s_!3SqS!,w_848,c_limit,f_auto,q_auto:good,fl_progressive:steep\/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F04b0e44e-eb78-4316-8b0d-86737e55341e_1676x424.jpeg 848w, https:\/\/substackcdn.com\/image\/fetch\/$s_!3SqS!,w_1272,c_limit,f_auto,q_auto:good,fl_progressive:steep\/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F04b0e44e-eb78-4316-8b0d-86737e55341e_1676x424.jpeg 1272w, https:\/\/substackcdn.com\/image\/fetch\/$s_!3SqS!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep\/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F04b0e44e-eb78-4316-8b0d-86737e55341e_1676x424.jpeg 1456w\" alt=\"\" width=\"1456\" height=\"368\" data-attrs=\"{&quot;src&quot;:&quot;https:\/\/substack-post-media.s3.amazonaws.com\/public\/images\/04b0e44e-eb78-4316-8b0d-86737e55341e_1676x424.jpeg&quot;,&quot;srcNoWatermark&quot;:null,&quot;fullscreen&quot;:null,&quot;imageSize&quot;:null,&quot;height&quot;:368,&quot;width&quot;:1456,&quot;resizeWidth&quot;:null,&quot;bytes&quot;:66486,&quot;alt&quot;:null,&quot;title&quot;:null,&quot;type&quot;:&quot;image\/jpeg&quot;,&quot;href&quot;:null,&quot;belowTheFold&quot;:true,&quot;topImage&quot;:false,&quot;internalRedirect&quot;:&quot;https:\/\/santiagogarciamussons.substack.com\/i\/177899189?img=https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F04b0e44e-eb78-4316-8b0d-86737e55341e_1676x424.jpeg&quot;,&quot;isProcessing&quot;:false,&quot;align&quot;:null,&quot;offset&quot;:false}\" \/><\/picture>\n<div class=\"image-link-expand\">\n<div class=\"pencraft pc-display-flex pc-gap-8 pc-reset\"><\/div>\n<\/div>\n<\/div>\n<\/figure>\n<\/div>\n<p>\u00bfPor qu\u00e9 gana?\u00a0<strong>No vendes los 60.000 \u20ac<\/strong>, que crecen al +8%, y el tramo avalado es\u00a0<strong>barato<\/strong>\u00a0y\u00a0<strong>r\u00e1pido<\/strong>\u00a0(15 a\u00f1os). Pagas m\u00e1s cuota al principio, pero tu\u00a0<strong>patrimonio<\/strong>\u00a0sube mucho m\u00e1s a medio plazo.<\/p>\n<h3 class=\"header-anchor-post\"><strong>Resumen<\/strong><\/h3>\n<p>Si tu cartera rinde m\u00e1s que tu coste real y puedes asumir la cuota inicial, usarla como aval para el 20% te permite comprar al 100% sin \u201cmatar\u201d el inter\u00e9s compuesto, siempre con unos m\u00e1rgenes de seguridad.<\/p>\n<h2 class=\"header-anchor-post\">Cosas a tener en cuenta:<\/h2>\n<ul>\n<li>El banco no toma tu cartera al\u00a0<strong>100%<\/strong>: aplica un\u00a0<strong>descuento<\/strong>.\n<ul>\n<li>Si tu cartera cuenta al\u00a0<strong>70%<\/strong>,<strong>\u00a0<\/strong>como el ejemplo, 100.000 \u20ac pasan a\u00a0<strong>70.000 \u20ac de garant\u00eda.<\/strong>\u201d<\/li>\n<\/ul>\n<\/li>\n<li>Con garant\u00edas suficientes, puedes ir del 70% al 90\u2013100% de financiaci\u00f3n. Pero\u00a0<strong>si el mercado cae, pueden pedirte m\u00e1s garant\u00edas<\/strong>: por eso necesitas\u00a0<strong>colch\u00f3n<\/strong>\u00a0y una cartera de\u00a0<strong>calidad<\/strong>.<\/li>\n<\/ul>\n<p>Aqu\u00ed os dejo\u00a0<strong>porcentajes orientativos:<\/strong><\/p>\n<ul>\n<li><strong>90-100%<\/strong>\u00a0si lo tienes en\u00a0<strong>efectivo o monetarios.<\/strong><\/li>\n<li><strong>70-90%<\/strong>\u00a0si lo tienes en\u00a0<strong>renta fija \u201cinvestment grade\u201d y a corto plazo.<\/strong><\/li>\n<li><strong>50-80%<\/strong>\u00a0si lo tienes en\u00a0<strong>fondos y ETFs de renta variable global.<\/strong><\/li>\n<li><strong>20-60%<\/strong>\u00a0si lo tienes en\u00a0<strong>acciones.<\/strong><\/li>\n<li><strong>0%<\/strong>\u00a0si lo tienes en\u00a0<strong>criptos y activos il\u00edquidos.<\/strong><\/li>\n<\/ul>\n<h2 class=\"header-anchor-post\">Riesgos a considerar:<\/h2>\n<ul>\n<li><strong>TAE vs TIN<\/strong>: mira la\u00a0<strong>TAE<\/strong>\u00a0(incluye comisiones\/seguros), no solo el tipo nominal.<\/li>\n<li>Si el valor de tu cartera cae significativamente, el banco podr\u00eda solicitar garant\u00edas adicionales o ejecutar (vender) tus activos pignorados para cubrir la deuda, a menudo en un momento inoportuno de mercado.\u00a0<strong>Importancia de colch\u00f3n.<\/strong><\/li>\n<li>Los activos pignorados quedan \u201cbloqueados\u201d y no puedes disponer libremente de ellos ni utilizarlos para otras operaciones mientras dure el pr\u00e9stamo.<\/li>\n<li>Est\u00e1s utilizando deuda para financiar la compra, lo que aumenta tu exposici\u00f3n financiera y el riesgo total de tu patrimonio.\u00a0<strong>Importancia de colch\u00f3n.<\/strong><\/li>\n<\/ul>\n<h1 class=\"header-anchor-post\">En resumen\u2026<\/h1>\n<p>Si tu cartera\u00a0<strong>rinde<\/strong>\u00a0m\u00e1s que el\u00a0<strong>coste real<\/strong>\u00a0de tu hipoteca,\u00a0<strong>usarla como aval<\/strong>\u00a0te permite\u00a0<strong>no vender<\/strong>\u00a0y mantener el inter\u00e9s compuesto.<\/p>\n<p>La clave es la\u00a0<strong>disciplina<\/strong>: colch\u00f3n, calidad de la cartera y entender c\u00f3mo funciona el\u00a0<strong>aval<\/strong>\u00a0(descuentos y posibles llamadas si cae el mercado).<\/p>\n<div class=\"pullquote\">\n<p>No vendas tu motor de riqueza para arrancar el coche. \u00dasalo como garant\u00eda.<\/p>\n<\/div>\n<p>Espero que os haya ayudado a conocer este m\u00e9todo para financiar la compra de un piso y os haya resultado interesante.<\/p>\n<p>Nos vemos semana que viene y, si quieres invertir en el fondo\u00a0<strong>Top Quality Opportunities<\/strong>, te dejo el siguiente punto.<\/p>\n<h2 class=\"header-anchor-post\"><strong>Invertir en Top Quality Opportunities<\/strong><\/h2>\n<p>Ya sabes que invertir en el fondo Top Quality Opportunities est\u00e1 al alcance de todos.<\/p>\n<p>\u2705 Lo tienes disponible en\u00a0<strong>MyInvestor, Andbank y Creand (Andorra y Espa\u00f1a).<\/strong><\/p>\n<ul>\n<li><strong>ISIN:<\/strong>\u00a0ES0131444145<\/li>\n<li><strong>Inversi\u00f3n M\u00ednima:<\/strong>\u00a010 euros.<\/li>\n<li><em><a href=\"https:\/\/newapp.myinvestor.es\/auth\/signup\/intro?promotionalCode=KFQWE\" rel=\"\">Abre cuenta en MyInvestor y recibe 25\u20ac<\/a><\/em><\/li>\n<li><em><a href=\"https:\/\/linktr.ee\/santiagogarciamussons\" rel=\"\">M\u00e1s informaci\u00f3n<\/a><\/em><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Por Santiago Garc\u00eda-Mussons Compra al 100% usando tu cartera como aval: mant\u00e9n tus inversiones trabajando mientras firmas la hipoteca. Tu cartera de inversi\u00f3n queda como\u00a0garant\u00eda o aval, t\u00fa sigues siendo el due\u00f1o y le permites seguir creciendo (inter\u00e9s compuesto). Esto puede suponer\u00a0decenas de miles de euros\u00a0a tu favor en pocos a\u00f1os. Te lo ense\u00f1o m\u00e1s [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":7993,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"episode_type":"audio","audio_file":"","podmotor_file_id":"","podmotor_episode_id":"","cover_image":"","cover_image_id":"","duration":"","filesize":"","filesize_raw":"","date_recorded":"","explicit":"","block":"","footnotes":""},"categories":[520,27],"tags":[],"series":[],"class_list":["post-9595","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-biblioteca-blog-inversion","category-welcome-post-left"],"episode_featured_image":"https:\/\/www.norzpatrimonia.com\/blog\/wp-content\/uploads\/2024\/04\/vivienda-FMI.jpg","episode_player_image":"https:\/\/www.norzpatrimonia.com\/blog\/wp-content\/uploads\/2022\/02\/blog-inversion.jpg","download_link":"","player_link":"","audio_player":false,"episode_data":{"playerMode":"light","subscribeUrls":{"apple_podcasts":{"key":"apple_podcasts","url":"","label":"Apple Podcasts","class":"apple_podcasts","icon":"apple-podcasts.png"},"stitcher":{"key":"stitcher","url":"","label":"Stitcher","class":"stitcher","icon":"stitcher.png"},"google_podcasts":{"key":"google_podcasts","url":"https:\/\/www.google.com\/podcasts?feed=aHR0cHM6Ly93d3cuYmxvZ2ludmVyc2lvbi5jb20vZmVlZC9wb2RjYXN0","label":"Google Podcasts","class":"google_podcasts","icon":"google-podcasts.png"},"spotify":{"key":"spotify","url":"https:\/\/open.spotify.com\/show\/1Vji4f6SYTHZ0OZC3w5ydB","label":"Spotify","class":"spotify","icon":"spotify.png"}},"rssFeedUrl":"https:\/\/www.norzpatrimonia.com\/blog\/feed\/podcast\/blog-inversion","embedCode":"<blockquote class=\"wp-embedded-content\" data-secret=\"H39J1ApQRr\"><a href=\"https:\/\/www.norzpatrimonia.com\/blog\/la-mejor-forma-de-comprar-tu-piso-que-casi-nadie-usa\/\">La mejor forma de comprar tu piso (que casi nadie usa)<\/a><\/blockquote><iframe sandbox=\"allow-scripts\" security=\"restricted\" src=\"https:\/\/www.norzpatrimonia.com\/blog\/la-mejor-forma-de-comprar-tu-piso-que-casi-nadie-usa\/embed\/#?secret=H39J1ApQRr\" width=\"500\" height=\"350\" title=\"\u00abLa mejor forma de comprar tu piso (que casi nadie usa)\u00bb \u2014 Blog Inversi\u00f3n\" data-secret=\"H39J1ApQRr\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\" class=\"wp-embedded-content\"><\/iframe><script>\n\/*! 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