{"id":271,"date":"2009-11-14T10:55:13","date_gmt":"2009-11-14T09:55:13","guid":{"rendered":"http:\/\/elnostreraco.com\/blog\/?p=271"},"modified":"2014-03-23T14:18:01","modified_gmt":"2014-03-23T14:18:01","slug":"pujar-els-tipus-dinteres-tindria-efectes-en-la-morositat","status":"publish","type":"post","link":"https:\/\/elnostreraco.com\/blog\/pujar-els-tipus-dinteres-tindria-efectes-en-la-morositat\/","title":{"rendered":"Pujar els tipus d’inter\u00e8s tindria efectes en la morositat"},"content":{"rendered":"

Qu\u00e8 son els tipus d’inter\u00e8s?<\/h3>\n

“Precio que se paga por el uso del dinero. Generalmente se expresa como un tanto por ciento anual sobre la suma prestada, aunque dicho porcentaje puede definirse tambi\u00e9n para otros per\u00edodos m\u00e1s breves, como un mes o una semana, por ejemplo. Al porcentaje mencionado se le denomina tasa de inter\u00e9s. Desde el punto de vista macroecon\u00f3mico, la tasa de inter\u00e9s queda determinada tanto por la demanda de dinero como por su oferta. Dado que la oferta monetaria depende de las emisiones que realizan los bancos centrales, \u00e9stos pueden, seg\u00fan las circunstancias, alterar en mayor o menor medida la tasa de inter\u00e9s (es decir, subir o bajar el precio del dinero).”
\nConsumer.es<\/a><\/p><\/blockquote>\n

Aprofitant uns tipus baixos els bancs t’atrapaven amb un Euribor (tipus d’inter\u00e8s aplicat a les operacions entre bancs Europeus) a 40 anys dient que no pujarien (responsable d’oficina del bbvva dixit) i d’altres que els preus dels immobles no baixen mai<\/a> i que l’abril de 2009 encara insistien en que els preus dels pisos a Barcelona no baixarien<\/a><\/p>\n

El 2006, la llavors secretaria d’Economia del PSOE el 2006, Inmaculada Rodr\u00edguez-Pi\u00f1ero deia que en aquell moment una pujada dels tipus d’inter\u00e8s era bona<\/a>, per que frenarien el creixement expansiu de la demanda i reduir d’inflaci\u00f3.<\/p>\n

Poden pujar els tipus d’inter\u00e8s?<\/h3>\n

L’agost de 2009 els bancs van decidir no pujar els tipus d’inter\u00e8s<\/a>, ves a saber si quan “los brotes verdes” (cambra de comer\u00e7 sobre l’economia catalana, novembre 2009)<\/a> floreixin no s’ho repensin.<\/p>\n

Jos\u00e9 Garc\u00eda Montalvo diu que “El sector inmobiliario e hipotecario espa\u00f1ol es un aut\u00e9ntico disparate”
\n<\/a> i en comptes de baixar preus es construeix menys. Si ens fixem en un an\u00e0lisi dels preus d’un immoble segons els costos de lloguer<\/a>, encara surten cars.<\/p>\n

Una pujada dels tipus d’inter\u00e8s pot tenir efectes<\/a> i ara poden ser m\u00e9s negatius que positius. No crec que s’atreveixin a pujar-los, la situaci\u00f3 encara \u00e9s fr\u00e0gil i delicada. La taxa d’atur augmenta i hem passat del millor sistema bancari del m\u00f3n a necessitar reestructurar el sistema bancari<\/a>.
\nEn resum, no som eficients, hi ha m\u00e9s capacitat de producci\u00f3 que no estem fent servir.<\/p>\n

Si nom\u00e9s es creix un 1% del PIB una pujada de tipus d’inter\u00e8s seria mortal<\/strong> per una economia endeutada. Els bancs centrals han de garantir la estabilitat i si els volen pujar ho hauran de fer de forma coordinada i el 1r que hauria de pujar ha de ser el que tingui la moneda m\u00e9s fluixa (2009.11.13 21:21:10, $1 = 0.67\u20ac).<\/p>\n

Nom\u00e9s per acabar dir que el 2007 va augmentar la morositat per un agument dels tipus<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"

Qu\u00e8 son els tipus d’inter\u00e8s? “Precio que se paga por el uso del dinero. Generalmente se expresa como un tanto por ciento anual sobre la suma prestada, aunque dicho porcentaje puede definirse tambi\u00e9n para otros … <\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11],"tags":[],"class_list":["post-271","post","type-post","status-publish","format-standard","hentry","category-ecommerce"],"yoast_head":"\nPujar els tipus d'inter\u00e8s tindria efectes en la morositat ~ Ecommerce<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/elnostreraco.com\/blog\/pujar-els-tipus-dinteres-tindria-efectes-en-la-morositat\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pujar els tipus d'inter\u00e8s tindria efectes en la morositat ~ Ecommerce\" \/>\n<meta property=\"og:description\" content=\"Qu\u00e8 son els tipus d’inter\u00e8s? “Precio que se paga por el uso del dinero. 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