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Simulador de Hipotecas

Todos los datos sobre tu hipoteca en un instante. Calcula la cuota y genera la tabla de amortización. Compara el Euribor actual con la media de los ultimos 10 años. Calcula cuanto pagarias si el Euribor baja hasta el 0% o si sube hasta el 8%. Simula como quedaría la cuota si aumentas el numero de años, obten cuanto pararás en total por tu casa.

Capital

Años

Tipo(Eur. 04/2012)+Diferencial
+

Resultados

Tipo Introducido:
1.29% + 1%
Cuota:525.74€
Total Capital:120000€
Total Intereses:37722€
Interes:2.29%
Media Eur. Últimos 10 Años:
2.74% + 1%
Cuota:616.3€
Total Capital:120000€
Total Intereses:64890€
Interes:3.74%
Max. Eur. Últimos 10 Años:
5.39% + 1%
Cuota:802.02€
Total Capital:120000€
Total Intereses:120606€
Interes:6.39%
Relacion Capital-Interes
Grafico Amortizacion
¿Como sería la cuota si sube el Euribor?
En este grafico podemos ver que cuota mensual tendría nuestra hipoteca cuando el euribor cambie de valor en el futuro. Los porcentajes de la parte inferior se refieren al Euribor, es decir si mi hipoteca es Euribor+1%, para ver cuanto pagaré con un Euribor al 5% tengo que ir al punto en el que pone 5%, el 1% ya se incluye en el cálculo.
Grafico Euribor Cuota

¿Como quedaría la cuota si aumentamos los años?
Una de las decisiones mas importantes es el numero de años que estaremos pagando nuestra hipoteca. Este pequeño gráfico nos muestra cuanto se reduciría la cuota si solicitamos el prestamo por mas años o como aumentaría si intentamos pagar lo antes posible.
Grafico cuota años
¿Merece la pena alargar la hipoteca?
Al alargar la hipoteca desciende la cuota pero aumenta el numero de meses que tendremos que pagar y los intereses totales. Esta gráfica nos dice el total que pagaremos entre capital e intereses dependiendo del numero de años de nuestro prestamo.
Grafico duracion total
¿Cuanto dinero debemos pedir?
Esta es una decisión que afectará al resto de nuestra vida. La respuesta obvia es: la menor cantidad posible que evite que quedaros sin liquidez en medio de la operación. Pero, ojo!!! Tampoco hay que pasarse con el colchón de liquidez, ya que al final del proceso de compra podemos perder la perspectiva y actuar como si nos hubiese tocado la loteria.
Grafico Capital Cuota

Tabla de amortizacion
Recibo Fecha Cuota Intereses Capital Restante
16/2012525.74229.00296.74119,703.26
27/2012525.74228.43297.31119,405.95
38/2012525.74227.87297.87119,108.08
49/2012525.74227.30298.44118,809.64
510/2012525.74226.73299.01118,510.63
611/2012525.74226.16299.58118,211.05
712/2012525.74225.59300.15117,910.90
81/2013525.74225.01300.73117,610.17
92/2013525.74224.44301.30117,308.87
103/2013525.74223.86301.88117,006.99
114/2013525.74223.29302.45116,704.54
125/2013525.74222.71303.03116,401.51
136/2013525.74222.13303.61116,097.90
147/2013525.74221.55304.19115,793.71
158/2013525.74220.97304.77115,488.94
169/2013525.74220.39305.35115,183.59
1710/2013525.74219.81305.93114,877.66
1811/2013525.74219.22306.52114,571.14
1912/2013525.74218.64307.10114,264.04
201/2014525.74218.05307.69113,956.35
212/2014525.74217.47308.27113,648.08
223/2014525.74216.88308.86113,339.22
234/2014525.74216.29309.45113,029.77
245/2014525.74215.70310.04112,719.73
256/2014525.74215.11310.63112,409.10
267/2014525.74214.51311.23112,097.87
278/2014525.74213.92311.82111,786.05
289/2014525.74213.33312.41111,473.64
2910/2014525.74212.73313.01111,160.63
3011/2014525.74212.13313.61110,847.02
3112/2014525.74211.53314.21110,532.81
321/2015525.74210.93314.81110,218.00
332/2015525.74210.33315.41109,902.59
343/2015525.74209.73316.01109,586.58
354/2015525.74209.13316.61109,269.97
365/2015525.74208.52317.22108,952.75
376/2015525.74207.92317.82108,634.93
387/2015525.74207.31318.43108,316.50
398/2015525.74206.70319.04107,997.46
409/2015525.74206.10319.64107,677.82
4110/2015525.74205.49320.25107,357.57
4211/2015525.74204.87320.87107,036.70
4312/2015525.74204.26321.48106,715.22
441/2016525.74203.65322.09106,393.13
452/2016525.74203.03322.71106,070.42
463/2016525.74202.42323.32105,747.10
474/2016525.74201.80323.94105,423.16
485/2016525.74201.18324.56105,098.60
496/2016525.74200.56325.18104,773.42
507/2016525.74199.94325.80104,447.62
518/2016525.74199.32326.42104,121.20
529/2016525.74198.70327.04103,794.16
5310/2016525.74198.07327.67103,466.49
5411/2016525.74197.45328.29103,138.20
5512/2016525.74196.82328.92102,809.28
561/2017525.74196.19329.55102,479.73
572/2017525.74195.57330.17102,149.56
583/2017525.74194.94330.80101,818.76
594/2017525.74194.30331.44101,487.32
605/2017525.74193.67332.07101,155.25
616/2017525.74193.04332.70100,822.55
627/2017525.74192.40333.34100,489.21
638/2017525.74191.77333.97100,155.24
649/2017525.74191.13334.6199,820.63
6510/2017525.74190.49335.2599,485.38
6611/2017525.74189.85335.8999,149.49
6712/2017525.74189.21336.5398,812.96
681/2018525.74188.57337.1798,475.79
692/2018525.74187.92337.8298,137.97
703/2018525.74187.28338.4697,799.51
714/2018525.74186.63339.1197,460.40
725/2018525.74185.99339.7597,120.65
736/2018525.74185.34340.4096,780.25
747/2018525.74184.69341.0596,439.20
758/2018525.74184.04341.7096,097.50
769/2018525.74183.39342.3595,755.15
7710/2018525.74182.73343.0195,412.14
7811/2018525.74182.08343.6695,068.48
7912/2018525.74181.42344.3294,724.16
801/2019525.74180.77344.9794,379.19
812/2019525.74180.11345.6394,033.56
823/2019525.74179.45346.2993,687.27
834/2019525.74178.79346.9593,340.32
845/2019525.74178.12347.6292,992.70
856/2019525.74177.46348.2892,644.42
867/2019525.74176.80348.9492,295.48
878/2019525.74176.13349.6191,945.87
889/2019525.74175.46350.2891,595.59
8910/2019525.74174.79350.9591,244.64
9011/2019525.74174.13351.6190,893.03
9112/2019525.74173.45352.2990,540.74
921/2020525.74172.78352.9690,187.78
932/2020525.74172.11353.6389,834.15
943/2020525.74171.43354.3189,479.84
954/2020525.74170.76354.9889,124.86
965/2020525.74170.08355.6688,769.20
976/2020525.74169.40356.3488,412.86
987/2020525.74168.72357.0288,055.84
998/2020525.74168.04357.7087,698.14
1009/2020525.74167.36358.3887,339.76
10110/2020525.74166.67359.0786,980.69
10211/2020525.74165.99359.7586,620.94
10312/2020525.74165.30360.4486,260.50
1041/2021525.74164.61361.1385,899.37
1052/2021525.74163.92361.8285,537.55
1063/2021525.74163.23362.5185,175.04
1074/2021525.74162.54363.2084,811.84
1085/2021525.74161.85363.8984,447.95
1096/2021525.74161.15364.5984,083.36
1107/2021525.74160.46365.2883,718.08
1118/2021525.74159.76365.9883,352.10
1129/2021525.74159.06366.6882,985.42
11310/2021525.74158.36367.3882,618.04
11411/2021525.74157.66368.0882,249.96
11512/2021525.74156.96368.7881,881.18
1161/2022525.74156.26369.4881,511.70
1172/2022525.74155.55370.1981,141.51
1183/2022525.74154.85370.8980,770.62
1194/2022525.74154.14371.6080,399.02
1205/2022525.74153.43372.3180,026.71
1216/2022525.74152.72373.0279,653.69
1227/2022525.74152.01373.7379,279.96
1238/2022525.74151.29374.4578,905.51
1249/2022525.74150.58375.1678,530.35
12510/2022525.74149.86375.8878,154.47
12611/2022525.74149.14376.6077,777.87
12712/2022525.74148.43377.3177,400.56
1281/2023525.74147.71378.0377,022.53
1292/2023525.74146.98378.7676,643.77
1303/2023525.74146.26379.4876,264.29
1314/2023525.74145.54380.2075,884.09
1325/2023525.74144.81380.9375,503.16
1336/2023525.74144.09381.6575,121.51
1347/2023525.74143.36382.3874,739.13
1358/2023525.74142.63383.1174,356.02
1369/2023525.74141.90383.8473,972.18
13710/2023525.74141.16384.5873,587.60
13811/2023525.74140.43385.3173,202.29
13912/2023525.74139.69386.0572,816.24
1401/2024525.74138.96386.7872,429.46
1412/2024525.74138.22387.5272,041.94
1423/2024525.74137.48388.2671,653.68
1434/2024525.74136.74389.0071,264.68
1445/2024525.74136.00389.7470,874.94
1456/2024525.74135.25390.4970,484.45
1467/2024525.74134.51391.2370,093.22
1478/2024525.74133.76391.9869,701.24
1489/2024525.74133.01392.7369,308.51
14910/2024525.74132.26393.4868,915.03
15011/2024525.74131.51394.2368,520.80
15112/2024525.74130.76394.9868,125.82
1521/2025525.74130.01395.7367,730.09
1532/2025525.74129.25396.4967,333.60
1543/2025525.74128.49397.2566,936.35
1554/2025525.74127.74398.0066,538.35
1565/2025525.74126.98398.7666,139.59
1576/2025525.74126.22399.5265,740.07
1587/2025525.74125.45400.2965,339.78
1598/2025525.74124.69401.0564,938.73
1609/2025525.74123.92401.8264,536.91
16110/2025525.74123.16402.5864,134.33
16211/2025525.74122.39403.3563,730.98
16312/2025525.74121.62404.1263,326.86
1641/2026525.74120.85404.8962,921.97
1652/2026525.74120.08405.6662,516.31
1663/2026525.74119.30406.4462,109.87
1674/2026525.74118.53407.2161,702.66
1685/2026525.74117.75407.9961,294.67
1696/2026525.74116.97408.7760,885.90
1707/2026525.74116.19409.5560,476.35
1718/2026525.74115.41410.3360,066.02
1729/2026525.74114.63411.1159,654.91
17310/2026525.74113.84411.9059,243.01
17411/2026525.74113.06412.6858,830.33
17512/2026525.74112.27413.4758,416.86
1761/2027525.74111.48414.2658,002.60
1772/2027525.74110.69415.0557,587.55
1783/2027525.74109.90415.8457,171.71
1794/2027525.74109.10416.6456,755.07
1805/2027525.74108.31417.4356,337.64
1816/2027525.74107.51418.2355,919.41
1827/2027525.74106.71419.0355,500.38
1838/2027525.74105.91419.8355,080.55
1849/2027525.74105.11420.6354,659.92
18510/2027525.74104.31421.4354,238.49
18611/2027525.74103.51422.2353,816.26
18712/2027525.74102.70423.0453,393.22
1881/2028525.74101.89423.8552,969.37
1892/2028525.74101.08424.6652,544.71
1903/2028525.74100.27425.4752,119.24
1914/2028525.7499.46426.2851,692.96
1925/2028525.7498.65427.0951,265.87
1936/2028525.7497.83427.9150,837.96
1947/2028525.7497.02428.7250,409.24
1958/2028525.7496.20429.5449,979.70
1969/2028525.7495.38430.3649,549.34
19710/2028525.7494.56431.1849,118.16
19811/2028525.7493.73432.0148,686.15
19912/2028525.7492.91432.8348,253.32
2001/2029525.7492.08433.6647,819.66
2012/2029525.7491.26434.4847,385.18
2023/2029525.7490.43435.3146,949.87
2034/2029525.7489.60436.1446,513.73
2045/2029525.7488.76436.9846,076.75
2056/2029525.7487.93437.8145,638.94
2067/2029525.7487.09438.6545,200.29
2078/2029525.7486.26439.4844,760.81
2089/2029525.7485.42440.3244,320.49
20910/2029525.7484.58441.1643,879.33
21011/2029525.7483.74442.0043,437.33
21112/2029525.7482.89442.8542,994.48
2121/2030525.7482.05443.6942,550.79
2132/2030525.7481.20444.5442,106.25
2143/2030525.7480.35445.3941,660.86
2154/2030525.7479.50446.2441,214.62
2165/2030525.7478.65447.0940,767.53
2176/2030525.7477.80447.9440,319.59
2187/2030525.7476.94448.8039,870.79
2198/2030525.7476.09449.6539,421.14
2209/2030525.7475.23450.5138,970.63
22110/2030525.7474.37451.3738,519.26
22211/2030525.7473.51452.2338,067.03
22312/2030525.7472.64453.1037,613.93
2241/2031525.7471.78453.9637,159.97
2252/2031525.7470.91454.8336,705.14
2263/2031525.7470.05455.6936,249.45
2274/2031525.7469.18456.5635,792.89
2285/2031525.7468.30457.4435,335.45
2296/2031525.7467.43458.3134,877.14
2307/2031525.7466.56459.1834,417.96
2318/2031525.7465.68460.0633,957.90
2329/2031525.7464.80460.9433,496.96
23310/2031525.7463.92461.8233,035.14
23411/2031525.7463.04462.7032,572.44
23512/2031525.7462.16463.5832,108.86
2361/2032525.7461.27464.4731,644.39
2372/2032525.7460.39465.3531,179.04
2383/2032525.7459.50466.2430,712.80
2394/2032525.7458.61467.1330,245.67
2405/2032525.7457.72468.0229,777.65
2416/2032525.7456.83468.9129,308.74
2427/2032525.7455.93469.8128,838.93
2438/2032525.7455.03470.7128,368.22
2449/2032525.7454.14471.6027,896.62
24510/2032525.7453.24472.5027,424.12
24611/2032525.7452.33473.4126,950.71
24712/2032525.7451.43474.3126,476.40
2481/2033525.7450.53475.2126,001.19
2492/2033525.7449.62476.1225,525.07
2503/2033525.7448.71477.0325,048.04
2514/2033525.7447.80477.9424,570.10
2525/2033525.7446.89478.8524,091.25
2536/2033525.7445.97479.7723,611.48
2547/2033525.7445.06480.6823,130.80
2558/2033525.7444.14481.6022,649.20
2569/2033525.7443.22482.5222,166.68
25710/2033525.7442.30483.4421,683.24
25811/2033525.7441.38484.3621,198.88
25912/2033525.7440.45485.2920,713.59
2601/2034525.7439.53486.2120,227.38
2612/2034525.7438.60487.1419,740.24
2623/2034525.7437.67488.0719,252.17
2634/2034525.7436.74489.0018,763.17
2645/2034525.7435.81489.9318,273.24
2656/2034525.7434.87490.8717,782.37
2667/2034525.7433.93491.8117,290.56
2678/2034525.7433.00492.7416,797.82
2689/2034525.7432.06493.6816,304.14
26910/2034525.7431.11494.6315,809.51
27011/2034525.7430.17495.5715,313.94
27112/2034525.7429.22496.5214,817.42
2721/2035525.7428.28497.4614,319.96
2732/2035525.7427.33498.4113,821.55
2743/2035525.7426.38499.3613,322.19
2754/2035525.7425.42500.3212,821.87
2765/2035525.7424.47501.2712,320.60
2776/2035525.7423.51502.2311,818.37
2787/2035525.7422.55503.1911,315.18
2798/2035525.7421.59504.1510,811.03
2809/2035525.7420.63505.1110,305.92
28110/2035525.7419.67506.079,799.85
28211/2035525.7418.70507.049,292.81
28312/2035525.7417.73508.018,784.80
2841/2036525.7416.76508.988,275.82
2852/2036525.7415.79509.957,765.87
2863/2036525.7414.82510.927,254.95
2874/2036525.7413.84511.906,743.05
2885/2036525.7412.87512.876,230.18
2896/2036525.7411.89513.855,716.33
2907/2036525.7410.91514.835,201.50
2918/2036525.749.93515.814,685.69
2929/2036525.748.94516.804,168.89
29310/2036525.747.96517.783,651.11
29411/2036525.746.97518.773,132.34
29512/2036525.745.98519.762,612.58
2961/2037525.744.99520.752,091.83
2972/2037525.743.99521.751,570.08
2983/2037525.743.00522.741,047.34
2994/2037525.742.00523.74523.60
3005/2037525.741.00523.600.00