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|---|---|---|---|---|
| Call Stack | ||||
| # | Time | Memory | Function | Location |
| 1 | 0.0001 | 405288 | {main}( ) | .../index.php:0 |
| 2 | 0.0030 | 409280 | include( '/opt/rh/httpd24/root/var/www/html/cajasur/microsite/prestamos-personales/index.php' ) | .../index.php:139 |
| 3 | 0.0908 | 409888 | include( '/opt/rh/httpd24/root/var/www/html/cajasur/microsite/prestamos-personales/2015/index.php' ) | .../index.php:11 |
| 4 | 0.0972 | 413704 | require( '/opt/rh/httpd24/root/var/www/html/cajasur/microsite/prestamos-personales/2015/amortizacion-prestamo/index.php' ) | .../index.php:118 |
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|---|---|---|---|---|
| Call Stack | ||||
| # | Time | Memory | Function | Location |
| 1 | 0.0001 | 405288 | {main}( ) | .../index.php:0 |
| 2 | 0.0030 | 409280 | include( '/opt/rh/httpd24/root/var/www/html/cajasur/microsite/prestamos-personales/index.php' ) | .../index.php:139 |
| 3 | 0.0908 | 409888 | include( '/opt/rh/httpd24/root/var/www/html/cajasur/microsite/prestamos-personales/2015/index.php' ) | .../index.php:11 |
| 4 | 0.0972 | 413704 | require( '/opt/rh/httpd24/root/var/www/html/cajasur/microsite/prestamos-personales/2015/amortizacion-prestamo/index.php' ) | .../index.php:118 |
1. El valor de la liquidez
Tener liquidez y ahorros dan libertad y posibilidades de llevar a cabo tus proyectos.
Y obtener rentabilidad por los ahorros.
2. La posibilidad de menor coste de financiación
Bajos tipos de interés.
El coste financiero de la hipoteca es muy bajo actualmente.
Acometer los proyectos de tu vida en caso de no tener ahorros supone tener que pedir financiación.
MAYOR COSTE
El préstamo personal tiene tipos de interés más altos que la hipoteca. Con otra hipoteca tienes que pagar de nuevo los gastos fijos
MENOS AGILIDAD
No dispones de liquidez.
3. Ventajas Fiscales
Valora la posibilidad de aportar a Planes de Pensiones el importe que excede del límite máximo anual deducible por vivienda. Así optimizarás tu beneficio fiscal.
Si es vivienda habitual adquirida con financiación ajena: fiscalidad de los importes amortizados e intereses (cuotas y amortizaciones).
Tributación Estatal
Límite máximo anual por declaración.
9.040 €
Fecha tope de adquisición
31-12-2012
Necesario haber practicado deducción por inversión en vivienda habitual con anterioridad 01/01/2013.
Porcentaje de deducción.
15%
Inversión max deducible: no existe
En caso de alquilar la vivienda, los intereses son gastos que reducen los ingresos por lo que se tributa.
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|---|---|---|---|---|
| Call Stack | ||||
| # | Time | Memory | Function | Location |
| 1 | 0.0001 | 405288 | {main}( ) | .../index.php:0 |
| 2 | 0.0030 | 409280 | include( '/opt/rh/httpd24/root/var/www/html/cajasur/microsite/prestamos-personales/index.php' ) | .../index.php:139 |
| 3 | 0.0908 | 409888 | include( '/opt/rh/httpd24/root/var/www/html/cajasur/microsite/prestamos-personales/2015/index.php' ) | .../index.php:11 |
| 4 | 0.0972 | 413704 | require( '/opt/rh/httpd24/root/var/www/html/cajasur/microsite/prestamos-personales/2015/amortizacion-prestamo/index.php' ) | .../index.php:118 |
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|---|---|---|---|---|
| Call Stack | ||||
| # | Time | Memory | Function | Location |
| 1 | 0.0001 | 405288 | {main}( ) | .../index.php:0 |
| 2 | 0.0030 | 409280 | include( '/opt/rh/httpd24/root/var/www/html/cajasur/microsite/prestamos-personales/index.php' ) | .../index.php:139 |
| 3 | 0.0908 | 409888 | include( '/opt/rh/httpd24/root/var/www/html/cajasur/microsite/prestamos-personales/2015/index.php' ) | .../index.php:11 |
| 4 | 0.0972 | 413704 | require( '/opt/rh/httpd24/root/var/www/html/cajasur/microsite/prestamos-personales/2015/amortizacion-prestamo/index.php' ) | .../index.php:118 |
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|---|---|---|---|---|
| Call Stack | ||||
| # | Time | Memory | Function | Location |
| 1 | 0.0001 | 405288 | {main}( ) | .../index.php:0 |
| 2 | 0.0030 | 409280 | include( '/opt/rh/httpd24/root/var/www/html/cajasur/microsite/prestamos-personales/index.php' ) | .../index.php:139 |
| 3 | 0.0908 | 409888 | include( '/opt/rh/httpd24/root/var/www/html/cajasur/microsite/prestamos-personales/2015/index.php' ) | .../index.php:11 |
| 4 | 0.0972 | 413704 | require( '/opt/rh/httpd24/root/var/www/html/cajasur/microsite/prestamos-personales/2015/amortizacion-prestamo/index.php' ) | .../index.php:118 |
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|---|---|---|---|---|
| Call Stack | ||||
| # | Time | Memory | Function | Location |
| 1 | 0.0001 | 405288 | {main}( ) | .../index.php:0 |
| 2 | 0.0030 | 409280 | include( '/opt/rh/httpd24/root/var/www/html/cajasur/microsite/prestamos-personales/index.php' ) | .../index.php:139 |
| 3 | 0.0908 | 409888 | include( '/opt/rh/httpd24/root/var/www/html/cajasur/microsite/prestamos-personales/2015/index.php' ) | .../index.php:11 |
| 4 | 0.0972 | 413704 | require( '/opt/rh/httpd24/root/var/www/html/cajasur/microsite/prestamos-personales/2015/amortizacion-prestamo/index.php' ) | .../index.php:118 |