Simulador de Gastos Compra Vivienda sin Hipoteca 2026 \u00b7 Housfy<\/title>\n<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Nunito:wght@400;600;700;800;900&display=swap\" rel=\"stylesheet\">\n<style>\n *, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }\n\n :root {\n --navy: #03007A;\n --blue: #11AEFA;\n --yellow: #FFD85A;\n --light: #D7EAF9;\n --lighter:#EFF7FD;\n --white: #FFFFFF;\n --gray: #6D6D6D;\n --text: #1a1a2e;\n --red: #e74c3c;\n --green: #27ae60;\n --radius: 16px;\n --shadow: 0 4px 24px rgba(3,0,122,0.10);\n }\n\n html, body {\n font-family: 'Nunito', sans-serif;\n background: var(--lighter);\n color: var(--text);\n -webkit-font-smoothing: antialiased;\n min-height: 100vh;\n }\n\n \/* \u2500\u2500 HEADER \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n .sim-header {\n background: linear-gradient(135deg, var(--navy) 0%, #061dab 55%, #0a60d4 100%);\n padding: 28px 20px 24px;\n text-align: center;\n position: relative;\n overflow: hidden;\n }\n .sim-header::before {\n content:'';\n position:absolute; top:-50px; right:-50px;\n width:180px; height:180px; border-radius:50%;\n background:rgba(17,174,250,0.15);\n pointer-events:none;\n }\n .sim-header::after {\n content:'';\n position:absolute; bottom:-40px; left:-30px;\n width:140px; height:140px; border-radius:50%;\n background:rgba(255,216,90,0.10);\n pointer-events:none;\n }\n .header-badge {\n display:inline-block;\n background:var(--yellow);\n color:var(--navy);\n font-size:11px; font-weight:800;\n letter-spacing:1.2px; text-transform:uppercase;\n padding:4px 14px; border-radius:20px; margin-bottom:12px;\n }\n .sim-header h1 {\n color:var(--white); font-size:22px; font-weight:900;\n line-height:1.2; margin-bottom:6px;\n }\n .sim-header h1 span { color:var(--yellow); }\n .sim-header p {\n color:rgba(255,255,255,0.75); font-size:14px; font-weight:600;\n }\n\n \/* \u2500\u2500 MAIN WRAPPER \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n .sim-body {\n max-width: 560px;\n margin: 0 auto;\n padding: 20px 16px 40px;\n }\n\n \/* \u2500\u2500 CARD \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n .card {\n background:var(--white);\n border-radius:var(--radius);\n box-shadow:var(--shadow);\n padding:20px;\n margin-bottom:14px;\n }\n .card-title {\n font-size:13px; font-weight:800; color:var(--navy);\n text-transform:uppercase; letter-spacing:0.8px;\n margin-bottom:14px;\n display:flex; align-items:center; gap:8px;\n }\n .card-title .icon {\n width:28px; height:28px; border-radius:8px;\n background:var(--navy); color:var(--yellow);\n display:flex; align-items:center; justify-content:center;\n font-size:14px; flex-shrink:0;\n }\n\n \/* \u2500\u2500 PRICE INPUT \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n .price-display {\n text-align:center; margin-bottom:16px;\n }\n .price-display .price-value {\n font-size:38px; font-weight:900; color:var(--navy);\n line-height:1;\n }\n .price-display .price-label {\n font-size:13px; color:var(--gray); font-weight:600; margin-top:2px;\n }\n .price-input-wrap {\n position:relative;\n }\n input[type=\"range\"] {\n -webkit-appearance:none; appearance:none;\n width:100%; height:6px;\n border-radius:10px; outline:none;\n background:linear-gradient(90deg, var(--blue) 0%, var(--light) 0%);\n cursor:pointer;\n margin-bottom:8px;\n }\n input[type=\"range\"]::-webkit-slider-thumb {\n -webkit-appearance:none; appearance:none;\n width:26px; height:26px; border-radius:50%;\n background:var(--navy);\n border:3px solid var(--white);\n box-shadow:0 2px 8px rgba(3,0,122,0.35);\n cursor:pointer; transition:transform .15s;\n }\n input[type=\"range\"]:active::-webkit-slider-thumb { transform:scale(1.2); }\n .range-labels {\n display:flex; justify-content:space-between;\n font-size:11px; font-weight:700; color:var(--gray);\n }\n .manual-price {\n margin-top:10px; text-align:center;\n }\n .manual-price input[type=\"number\"] {\n font-family:'Nunito',sans-serif;\n font-size:16px; font-weight:700; color:var(--navy);\n border:2px solid var(--light); border-radius:10px;\n padding:8px 14px; width:180px; text-align:center;\n outline:none; transition:border-color .2s;\n background:var(--lighter);\n }\n .manual-price input[type=\"number\"]:focus { border-color:var(--blue); }\n .manual-price label { font-size:12px; color:var(--gray); font-weight:600; display:block; margin-bottom:4px; }\n\n \/* \u2500\u2500 TOGGLE PILLS \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n .toggle-group {\n display:grid; gap:8px;\n }\n .toggle-group.cols-2 { grid-template-columns:1fr 1fr; }\n .toggle-group.cols-4 { grid-template-columns:1fr 1fr 1fr 1fr; }\n .toggle-btn {\n border:2px solid var(--light);\n border-radius:12px; padding:10px 8px;\n background:var(--white); cursor:pointer;\n text-align:center; transition:all .2s;\n -webkit-tap-highlight-color:transparent;\n }\n .toggle-btn .tb-icon { font-size:20px; display:block; margin-bottom:4px; }\n .toggle-btn .tb-label { font-size:13px; font-weight:700; color:var(--gray); line-height:1.2; }\n .toggle-btn .tb-sub { font-size:11px; font-weight:600; color:var(--gray); margin-top:2px; }\n .toggle-btn.active {\n border-color:var(--navy);\n background:var(--navy);\n }\n .toggle-btn.active .tb-label { color:var(--white); }\n .toggle-btn.active .tb-sub { color:var(--blue); }\n\n \/* Profile pills \u2014 4 cols, smaller *\/\n .toggle-group.cols-4 .toggle-btn { padding:8px 4px; }\n .toggle-group.cols-4 .toggle-btn .tb-icon { font-size:16px; }\n .toggle-group.cols-4 .toggle-btn .tb-label { font-size:11px; }\n .toggle-group.cols-4 .toggle-btn .tb-sub { font-size:10px; }\n\n \/* \u2500\u2500 SELECT \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n .select-wrap { position:relative; }\n .select-wrap::after {\n content:'\u25be'; position:absolute; right:14px; top:50%;\n transform:translateY(-50%);\n color:var(--navy); font-size:16px; pointer-events:none;\n }\n select {\n font-family:'Nunito',sans-serif;\n width:100%; font-size:16px; font-weight:700; color:var(--navy);\n border:2px solid var(--light); border-radius:12px;\n padding:14px 40px 14px 16px; background:var(--lighter);\n outline:none; cursor:pointer; appearance:none; -webkit-appearance:none;\n transition:border-color .2s;\n }\n select:focus { border-color:var(--blue); }\n\n \/* \u2500\u2500 CALCULATE BUTTON \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n .calc-btn {\n width:100%; padding:18px;\n background:linear-gradient(90deg, var(--navy) 0%, #061dab 100%);\n color:var(--white); font-family:'Nunito',sans-serif;\n font-size:17px; font-weight:900; border:none;\n border-radius:var(--radius); cursor:pointer;\n letter-spacing:0.3px; transition:transform .15s, box-shadow .15s;\n box-shadow:0 4px 16px rgba(3,0,122,0.3);\n -webkit-tap-highlight-color:transparent;\n display:flex; align-items:center; justify-content:center; gap:8px;\n margin-top:6px;\n }\n .calc-btn:hover { transform:translateY(-1px); box-shadow:0 6px 20px rgba(3,0,122,0.35); }\n .calc-btn:active { transform:scale(0.98); }\n .calc-btn .btn-arrow {\n width:30px; height:30px; border-radius:50%;\n background:var(--yellow); color:var(--navy);\n display:flex; align-items:center; justify-content:center;\n font-size:16px; font-weight:900;\n }\n\n \/* \u2500\u2500 RESULTS \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n #results {\n display:none;\n animation:slideUp .4s ease;\n }\n #results.visible { display:block; }\n\n @keyframes slideUp {\n from { opacity:0; transform:translateY(20px); }\n to { opacity:1; transform:translateY(0); }\n }\n\n .results-header {\n background:linear-gradient(135deg, var(--navy), #0a47c9);\n border-radius:var(--radius); padding:20px;\n margin-bottom:14px; text-align:center;\n }\n .results-header .rh-label {\n color:rgba(255,255,255,0.7); font-size:12px; font-weight:700;\n text-transform:uppercase; letter-spacing:1px; margin-bottom:6px;\n }\n .results-header .rh-total {\n color:var(--yellow); font-size:36px; font-weight:900; line-height:1;\n }\n .results-header .rh-range {\n color:rgba(255,255,255,0.6); font-size:13px; font-weight:600; margin-top:4px;\n }\n .results-header .rh-pct {\n display:inline-block; margin-top:8px;\n background:rgba(255,255,255,0.12); border-radius:20px;\n padding:4px 14px; color:var(--white); font-size:13px; font-weight:700;\n }\n\n \/* cost rows *\/\n .cost-row {\n display:flex; align-items:center; justify-content:space-between;\n padding:13px 16px; border-radius:12px;\n margin-bottom:8px; background:var(--lighter);\n transition: all .3s;\n }\n .cost-row .cr-left { display:flex; align-items:center; gap:10px; }\n .cost-row .cr-icon {\n width:36px; height:36px; border-radius:9px;\n display:flex; align-items:center; justify-content:center; font-size:18px;\n flex-shrink:0;\n }\n .cost-row .cr-label { font-size:14px; font-weight:700; color:var(--navy); }\n .cost-row .cr-note { font-size:11px; font-weight:600; color:var(--gray); }\n .cost-row .cr-amount {\n font-size:16px; font-weight:900; color:var(--navy); text-align:right;\n }\n .cost-row .cr-amount span { display:block; font-size:10px; font-weight:600; color:var(--gray); }\n\n .cost-row.highlight {\n background:var(--navy);\n border:2px solid var(--blue);\n }\n .cost-row.highlight .cr-label,\n .cost-row.highlight .cr-amount { color:var(--white); }\n .cost-row.highlight .cr-note,\n .cost-row.highlight .cr-amount span { color:rgba(255,255,255,0.6); }\n\n \/* bar visualization *\/\n .cost-bar-wrap { margin: 16px 0 8px; }\n .cost-bar-title { font-size:11px; font-weight:800; color:var(--gray); text-transform:uppercase; letter-spacing:.8px; margin-bottom:8px; }\n .cost-bar-track { height:10px; background:var(--light); border-radius:10px; overflow:hidden; margin-bottom:4px; }\n .cost-bar-fill { height:100%; border-radius:10px; transition:width .6s cubic-bezier(.4,0,.2,1); }\n .cost-bar-label { display:flex; justify-content:space-between; font-size:11px; font-weight:700; color:var(--navy); }\n\n \/* savings block *\/\n .savings-block {\n background:linear-gradient(135deg, #0a3d91, var(--navy));\n border-radius:var(--radius); padding:18px;\n margin-bottom:14px;\n }\n .savings-block .sb-title {\n color:var(--yellow); font-size:14px; font-weight:800;\n margin-bottom:12px; display:flex; align-items:center; gap:6px;\n }\n .saving-row {\n display:flex; justify-content:space-between; align-items:center;\n padding:6px 0; border-bottom:1px solid rgba(255,255,255,0.08);\n }\n .saving-row:last-of-type { border-bottom:none; }\n .saving-row .sr-label { font-size:13px; font-weight:600; color:rgba(255,255,255,0.75); }\n .saving-row .sr-val { font-size:14px; font-weight:800; color:var(--yellow); }\n .savings-total-row {\n margin-top:10px; padding:12px 14px;\n background:var(--yellow); border-radius:10px;\n display:flex; justify-content:space-between; align-items:center;\n }\n .savings-total-row .str-label { font-size:14px; font-weight:800; color:var(--navy); }\n .savings-total-row .str-val { font-size:20px; font-weight:900; color:var(--navy); }\n\n \/* tip *\/\n .tip-card {\n background:rgba(255,216,90,0.18);\n border:2px solid var(--yellow);\n border-radius:var(--radius); padding:16px;\n display:flex; gap:12px; align-items:flex-start;\n margin-bottom:14px;\n }\n .tip-card .tip-icon { font-size:22px; flex-shrink:0; margin-top:1px; }\n .tip-card .tip-text { font-size:13px; font-weight:600; color:var(--navy); line-height:1.5; }\n .tip-card .tip-text strong { font-weight:800; }\n\n \/* cta *\/\n .cta-btn {\n display:block; width:100%; padding:16px;\n background:var(--yellow); color:var(--navy);\n font-family:'Nunito',sans-serif; font-size:16px; font-weight:900;\n border:none; border-radius:var(--radius); cursor:pointer;\n text-align:center; text-decoration:none;\n transition:transform .15s; margin-bottom:14px;\n -webkit-tap-highlight-color:transparent;\n }\n .cta-btn:hover { transform:translateY(-1px); }\n .cta-btn.secondary {\n background:transparent; border:2px solid var(--navy);\n color:var(--navy);\n }\n\n \/* reset btn *\/\n .reset-btn {\n display:flex; align-items:center; justify-content:center; gap:6px;\n width:100%; padding:12px;\n background:none; border:2px solid var(--light); border-radius:12px;\n color:var(--gray); font-family:'Nunito',sans-serif;\n font-size:14px; font-weight:700; cursor:pointer;\n margin-top:4px;\n -webkit-tap-highlight-color:transparent;\n }\n\n \/* disclaimer *\/\n .disclaimer {\n font-size:11px; color:var(--gray); font-weight:600;\n text-align:center; margin-top:16px; line-height:1.6;\n padding: 0 4px;\n }\n\n \/* footer *\/\n .sim-footer {\n background:var(--navy); text-align:center; padding:16px;\n }\n .sim-footer span {\n font-size:14px; font-weight:800; color:var(--white);\n }\n .sim-footer span b { color:var(--blue); font-weight:900; }\n\n \/* Responsive adjustments *\/\n @media (max-width:380px) {\n .sim-header h1 { font-size:19px; }\n .price-display .price-value { font-size:32px; }\n .results-header .rh-total { font-size:30px; }\n }\n<\/style>\n<\/head>\n<body>\n\n\n<div class=\"sim-header\">\n <div class=\"header-badge\">\ud83c\udfe0 Actualizado 2026<\/div>\n <h1>Simulador de gastos<br><span>sin hipoteca<\/span><\/h1>\n <p>Calcula los impuestos, notar\u00eda y registro en tu comunidad<\/p>\n<\/div>\n\n<div class=\"sim-body\">\n\n \n <div class=\"card\">\n <div class=\"card-title\">\n <div class=\"icon\">\ud83d\udcb0<\/div>\n Precio de la vivienda\n <\/div>\n <div class=\"price-display\">\n <div class=\"price-value\" id=\"priceDisplay\">150.000 \u20ac<\/div>\n <div class=\"price-label\">Arrastra para ajustar el precio<\/div>\n <\/div>\n <div class=\"price-input-wrap\">\n <input type=\"range\" id=\"priceSlider\"\n min=\"50000\" max=\"1000000\" step=\"5000\" value=\"150000\">\n <div class=\"range-labels\">\n <span>50.000 \u20ac<\/span>\n <span>1.000.000 \u20ac<\/span>\n <\/div>\n <\/div>\n <div class=\"manual-price\">\n <label for=\"priceManual\">O escribe el precio exacto<\/label>\n <input type=\"number\" id=\"priceManual\" min=\"50000\" max=\"1000000\" step=\"1000\" value=\"150000\" placeholder=\"Ej: 275000\">\n <\/div>\n <\/div>\n\n \n <div class=\"card\">\n <div class=\"card-title\">\n <div class=\"icon\">\ud83c\udfe1<\/div>\n Tipo de vivienda\n <\/div>\n <div class=\"toggle-group cols-2\" id=\"typeGroup\">\n <button class=\"toggle-btn active\" data-val=\"segunda\">\n <span class=\"tb-icon\">\ud83c\udfe1<\/span>\n <span class=\"tb-label\">Segunda mano<\/span>\n <span class=\"tb-sub\">Paga ITP<\/span>\n <\/button>\n <button class=\"toggle-btn\" data-val=\"nueva\">\n <span class=\"tb-icon\">\ud83c\udfd7<\/span>\n <span class=\"tb-label\">Obra nueva<\/span>\n <span class=\"tb-sub\">Paga IVA + IAJD<\/span>\n <\/button>\n <\/div>\n <\/div>\n\n \n <div class=\"card\">\n <div class=\"card-title\">\n <div class=\"icon\">\ud83d\udccd<\/div>\n Comunidad Aut\u00f3noma\n <\/div>\n <div class=\"select-wrap\">\n <select id=\"ccaaSelect\">\n <option value=\"\">\u2014 Selecciona tu comunidad \u2014<\/option>\n <option value=\"andalucia\">Andaluc\u00eda<\/option>\n <option value=\"aragon\">Arag\u00f3n<\/option>\n <option value=\"asturias\">Asturias<\/option>\n <option value=\"baleares\">Baleares<\/option>\n <option value=\"canarias\">Canarias<\/option>\n <option value=\"cantabria\">Cantabria<\/option>\n <option value=\"castilla_leon\">Castilla y Le\u00f3n<\/option>\n <option value=\"castilla_mancha\">Castilla-La Mancha<\/option>\n <option value=\"cataluna\">Catalu\u00f1a<\/option>\n <option value=\"extremadura\">Extremadura<\/option>\n <option value=\"galicia\">Galicia<\/option>\n <option value=\"madrid\">Comunidad de Madrid<\/option>\n <option value=\"murcia\">Murcia<\/option>\n <option value=\"navarra\">Navarra<\/option>\n <option value=\"pais_vasco\">Pa\u00eds Vasco<\/option>\n <option value=\"rioja\">La Rioja<\/option>\n <option value=\"valencia\">C. Valenciana<\/option>\n <\/select>\n <\/div>\n <\/div>\n\n \n <div class=\"card\">\n <div class=\"card-title\">\n <div class=\"icon\">\ud83d\udc64<\/div>\n Tu perfil (para bonificaciones)\n <\/div>\n <div class=\"toggle-group cols-4\" id=\"profileGroup\">\n <button class=\"toggle-btn active\" data-val=\"general\">\n <span class=\"tb-icon\">\ud83d\ude4b<\/span>\n <span class=\"tb-label\">General<\/span>\n <span class=\"tb-sub\">Tipo normal<\/span>\n <\/button>\n <button class=\"toggle-btn\" data-val=\"joven\">\n <span class=\"tb-icon\">\ud83c\udf93<\/span>\n <span class=\"tb-label\">Joven<\/span>\n <span class=\"tb-sub\"><35 a\u00f1os<\/span>\n <\/button>\n <button class=\"toggle-btn\" data-val=\"numerosa\">\n <span class=\"tb-icon\">\ud83d\udc68\u200d\ud83d\udc69\u200d\ud83d\udc67\u200d\ud83d\udc66<\/span>\n <span class=\"tb-label\">Familia numerosa<\/span>\n <span class=\"tb-sub\">Bonif.<\/span>\n <\/button>\n <button class=\"toggle-btn\" data-val=\"discapacidad\">\n <span class=\"tb-icon\">\u267f<\/span>\n <span class=\"tb-label\">Discapacidad<\/span>\n <span class=\"tb-sub\">\u226533%<\/span>\n <\/button>\n <\/div>\n <\/div>\n\n \n <button class=\"calc-btn\" id=\"calcBtn\">\n Calcular mis gastos\n <span class=\"btn-arrow\">\u2192<\/span>\n <\/button>\n\n \n <div id=\"results\">\n\n \n <div class=\"results-header\">\n <div class=\"rh-label\">Gastos totales estimados<\/div>\n <div class=\"rh-total\" id=\"rTotalMin\">\u2014<\/div>\n <div class=\"rh-range\" id=\"rTotalRange\"><\/div>\n <div class=\"rh-pct\" id=\"rPct\"><\/div>\n <\/div>\n\n \n <div class=\"card\" style=\"padding:16px;\">\n <div class=\"card-title\" style=\"margin-bottom:12px;\">\n <div class=\"icon\">\ud83d\udccb<\/div> Desglose de gastos\n <\/div>\n\n \n <div class=\"cost-row highlight\" id=\"row-tax\">\n <div class=\"cr-left\">\n <div class=\"cr-icon\" style=\"background:rgba(255,216,90,0.2)\">\ud83c\udfe6<\/div>\n <div>\n <div class=\"cr-label\" id=\"taxLabel\">ITP<\/div>\n <div class=\"cr-note\" id=\"taxNote\">Impuesto principal<\/div>\n <\/div>\n <\/div>\n <div class=\"cr-amount\" id=\"taxAmount\">\u2014<\/div>\n <\/div>\n\n \n <div class=\"cost-row\" id=\"row-iajd\" style=\"display:none;\">\n <div class=\"cr-left\">\n <div class=\"cr-icon\" style=\"background:#EFF7FD\">\ud83d\udcd1<\/div>\n <div>\n <div class=\"cr-label\">IAJD<\/div>\n <div class=\"cr-note\" id=\"iajdNote\">Actos Jur\u00eddicos Documentados<\/div>\n <\/div>\n <\/div>\n <div class=\"cr-amount\" id=\"iajdAmount\">\u2014<\/div>\n <\/div>\n\n \n <div class=\"cost-row\" id=\"row-notaria\">\n <div class=\"cr-left\">\n <div class=\"cr-icon\" style=\"background:#EFF7FD\">\ud83d\udcdd<\/div>\n <div>\n <div class=\"cr-label\">Notar\u00eda<\/div>\n <div class=\"cr-note\">Escritura p\u00fablica de compraventa<\/div>\n <\/div>\n <\/div>\n <div class=\"cr-amount\" id=\"notariaAmount\">\u2014<\/div>\n <\/div>\n\n \n <div class=\"cost-row\" id=\"row-registro\">\n <div class=\"cr-left\">\n <div class=\"cr-icon\" style=\"background:#EFF7FD\">\ud83c\udfdb<\/div>\n <div>\n <div class=\"cr-label\">Registro de la Propiedad<\/div>\n <div class=\"cr-note\">Inscripci\u00f3n del inmueble<\/div>\n <\/div>\n <\/div>\n <div class=\"cr-amount\" id=\"registroAmount\">\u2014<\/div>\n <\/div>\n\n \n <div class=\"cost-row\" id=\"row-gestoria\">\n <div class=\"cr-left\">\n <div class=\"cr-icon\" style=\"background:#EFF7FD\">\ud83d\udcbc<\/div>\n <div>\n <div class=\"cr-label\">Gestor\u00eda<\/div>\n <div class=\"cr-note\">Tramitaci\u00f3n de documentos<\/div>\n <\/div>\n <\/div>\n <div class=\"cr-amount\">300 \u20ac \u2013 500 \u20ac<\/div>\n <\/div>\n\n \n <div class=\"cost-bar-wrap\">\n <div class=\"cost-bar-title\">% sobre el precio de compra<\/div>\n <div class=\"cost-bar-track\">\n <div class=\"cost-bar-fill\" id=\"costBar\"\n style=\"background:linear-gradient(90deg,var(--navy),var(--blue));width:0%\"><\/div>\n <\/div>\n <div class=\"cost-bar-label\">\n <span id=\"barPctMin\">0%<\/span>\n <span id=\"barPctMax\">0%<\/span>\n <\/div>\n <\/div>\n <\/div>\n\n \n <div class=\"savings-block\">\n <div class=\"sb-title\">\ud83d\udcb0 Lo que te ahorras frente a pedir hipoteca<\/div>\n <div class=\"saving-row\">\n <span class=\"sr-label\">Tasaci\u00f3n bancaria<\/span>\n <span class=\"sr-val\">300 \u20ac \u2013 500 \u20ac<\/span>\n <\/div>\n <div class=\"saving-row\">\n <span class=\"sr-label\">Gestor\u00eda del banco<\/span>\n <span class=\"sr-val\">150 \u20ac \u2013 400 \u20ac<\/span>\n <\/div>\n <div class=\"saving-row\">\n <span class=\"sr-label\">IAJD del pr\u00e9stamo<\/span>\n <span class=\"sr-val\" id=\"savIajd\">\u2014<\/span>\n <\/div>\n <div class=\"saving-row\">\n <span class=\"sr-label\">Comisi\u00f3n de apertura<\/span>\n <span class=\"sr-val\" id=\"savApertura\">\u2014<\/span>\n <\/div>\n <div class=\"savings-total-row\">\n <span class=\"str-label\">Ahorro estimado<\/span>\n <span class=\"str-val\" id=\"savTotal\">\u2014<\/span>\n <\/div>\n <\/div>\n\n \n <div class=\"tip-card\" id=\"tipBlock\">\n <div class=\"tip-icon\">\ud83d\udca1<\/div>\n <div class=\"tip-text\" id=\"tipText\"><\/div>\n <\/div>\n\n \n <a href=\"https:\/\/www.housfy.com\/hipotecas\" target=\"_blank\" class=\"cta-btn\">\n Hablar con un broker hipotecario gratis \u2192\n <\/a>\n <a href=\"https:\/\/www.housfy.com\/hipotecas\/simulador\" target=\"_blank\" class=\"cta-btn secondary\">\n Comparar con financiaci\u00f3n hipotecaria\n <\/a>\n\n \n <button class=\"reset-btn\" id=\"resetBtn\">\n \u21ba Hacer otro c\u00e1lculo\n <\/button>\n\n <div class=\"disclaimer\">\n * Los datos son orientativos para 2026. Los tipos impositivos pueden haber cambiado en tu comunidad.<br>\n Consulta siempre con un profesional para datos exactos.\n <\/div>\n\n <\/div>\n\n<\/div>\n\n<div class=\"sim-footer\">\n <span>hous<b>fy<\/b>.com\/blog<\/span>\n<\/div>\n\n<script>\n\/\/ \u2500\u2500 DATA \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\nconst CCAA = {\n andalucia: { n:'Andaluc\u00eda', itp:7, joven:3.5, num:3.5, dis:3.5, iajd:1.2 },\n aragon: { n:'Arag\u00f3n', itp:8, joven:5, num:4, dis:4, iajd:1.0 },\n asturias: { n:'Asturias', itp:8, joven:3, num:3, dis:3, iajd:1.2 },\n baleares: { n:'Baleares', itp:8, joven:5, num:4, dis:4, iajd:1.2 },\n canarias: { n:'Canarias', itp:6.5, joven:4, num:4, dis:4, iajd:0.75 },\n cantabria: { n:'Cantabria', itp:7, joven:5, num:5, dis:5, iajd:1.0 },\n castilla_leon: { n:'Castilla y Le\u00f3n', itp:8, joven:4, num:4, dis:4, iajd:1.5 },\n castilla_mancha:{ n:'Castilla-La Mancha', itp:9, joven:6, num:6, dis:4, iajd:1.0 },\n cataluna: { n:'Catalu\u00f1a', itp:10, joven:5, num:5, dis:5, iajd:1.5 },\n extremadura: { n:'Extremadura', itp:8, joven:4, num:4, dis:4, iajd:1.0 },\n galicia: { n:'Galicia', itp:8, joven:4, num:4, dis:4, iajd:1.5 },\n madrid: { n:'Com. de Madrid', itp:6, joven:6, num:4, dis:4, iajd:0.75 },\n murcia: { n:'Murcia', itp:8, joven:3, num:3, dis:3, iajd:1.5 },\n navarra: { n:'Navarra', itp:6, joven:5, num:4, dis:4, iajd:0.5 },\n pais_vasco: { n:'Pa\u00eds Vasco', itp:4, joven:2.5, num:2.5, dis:2.5, iajd:0.5 },\n rioja: { n:'La Rioja', itp:7, joven:5, num:5, dis:4, iajd:1.0 },\n valencia: { n:'C. Valenciana', itp:10, joven:6, num:5, dis:4, iajd:1.5 },\n};\n\n\/\/ \u2500\u2500 STATE \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\nlet state = { price:150000, type:'segunda', ccaa:'', profile:'general' };\n\n\/\/ \u2500\u2500 DOM REFS \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\nconst slider = document.getElementById('priceSlider');\nconst manual = document.getElementById('priceManual');\nconst priceDisp = document.getElementById('priceDisplay');\nconst ccaaSel = document.getElementById('ccaaSelect');\nconst calcBtn = document.getElementById('calcBtn');\nconst resetBtn = document.getElementById('resetBtn');\nconst results = document.getElementById('results');\n\n\/\/ \u2500\u2500 HELPERS \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\nconst fmt = n => Math.round(n).toLocaleString('es-ES') + ' \u20ac';\nconst fmtR = (a,b) => `${fmt(a)} \u2013 ${fmt(b)}`;\nconst pct = (n,p) => n * p \/ 100;\n\nfunction updateSliderFill(val) {\n const min = +slider.min, max = +slider.max;\n const p = ((val - min)\/(max - min)) * 100;\n slider.style.background =\n `linear-gradient(90deg, var(--blue) ${p}%, var(--light) ${p}%)`;\n}\n\nfunction setPrice(val) {\n state.price = Math.max(50000, Math.min(1000000, +val));\n priceDisp.textContent = Math.round(state.price).toLocaleString('es-ES') + ' \u20ac';\n slider.value = state.price;\n manual.value = state.price;\n updateSliderFill(state.price);\n}\n\n\/\/ \u2500\u2500 TOGGLES \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\nfunction initToggle(groupId, stateKey) {\n document.getElementById(groupId).querySelectorAll('.toggle-btn').forEach(btn => {\n btn.addEventListener('click', () => {\n document.getElementById(groupId).querySelectorAll('.toggle-btn')\n .forEach(b => b.classList.remove('active'));\n btn.classList.add('active');\n state[stateKey] = btn.dataset.val;\n });\n });\n}\ninitToggle('typeGroup', 'type');\ninitToggle('profileGroup', 'profile');\n\n\/\/ \u2500\u2500 PRICE EVENTS \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\nslider.addEventListener('input', () => setPrice(slider.value));\nmanual.addEventListener('input', () => setPrice(manual.value));\nccaaSel.addEventListener('change', () => { state.ccaa = ccaaSel.value; });\n\n\/\/ \u2500\u2500 CALCULATE \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\ncalcBtn.addEventListener('click', calculate);\n\nfunction calculate() {\n if (!state.ccaa) {\n ccaaSel.focus();\n ccaaSel.style.borderColor = '#e74c3c';\n setTimeout(()=>{ ccaaSel.style.borderColor = ''; }, 2000);\n return;\n }\n\n const price = state.price;\n const ccData = CCAA[state.ccaa];\n const isNueva = state.type === 'nueva';\n const prof = state.profile;\n\n \/\/ \u2500\u2500 Tax (ITP or IVA) \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\n let taxMin, taxMax, taxLabel, taxNote;\n\n if (isNueva) {\n \/\/ Obra nueva: IVA 10%\n const iva = pct(price, 10);\n taxMin = taxMax = iva;\n taxLabel = 'IVA (10%)';\n taxNote = 'Impuesto sobre el Valor A\u00f1adido';\n } else {\n \/\/ Segunda mano: ITP\n const rates = { general: ccData.itp, joven: ccData.joven, numerosa: ccData.num, discapacidad: ccData.dis };\n const rate = rates[prof];\n taxMin = taxMax = pct(price, rate);\n taxLabel = `ITP (${rate}%)`;\n taxNote = `${ccData.n} \u00b7 perfil ${prof === 'general' ? 'general' : prof}`;\n }\n\n \/\/ \u2500\u2500 IAJD \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\n let iajdMin = 0, iajdMax = 0;\n const showIajd = isNueva;\n if (isNueva) {\n iajdMin = pct(price, ccData.iajd);\n iajdMax = iajdMin;\n }\n\n \/\/ \u2500\u2500 Notar\u00eda \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\n const notariaMin = Math.max(400, pct(price, 0.20));\n const notariaMax = Math.min(2500, pct(price, 0.50));\n\n \/\/ \u2500\u2500 Registro \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\n const registroMin = Math.max(200, pct(price, 0.10));\n const registroMax = Math.min(1200, pct(price, 0.20));\n\n \/\/ \u2500\u2500 Gestor\u00eda (fixed) \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\n const gestMin = 300, gestMax = 500;\n\n \/\/ \u2500\u2500 Totals \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\n const totalMin = taxMin + iajdMin + notariaMin + registroMin + gestMin;\n const totalMax = taxMax + iajdMax + notariaMax + registroMax + gestMax;\n const pctMin = ((totalMin\/price)*100).toFixed(1);\n const pctMax = ((totalMax\/price)*100).toFixed(1);\n\n \/\/ \u2500\u2500 Savings vs mortgage (for same price) \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\n const savIajdVal = pct(price, 0.5); \/\/ min IAJD for mortgage\n const savIajdValMax = pct(price, 1.5);\n const savApertMin = 0;\n const savApertMax = pct(price, 2);\n const savTotMin = 300 + 150 + savIajdVal + savApertMin;\n const savTotMax = 500 + 400 + savIajdValMax + savApertMax;\n\n \/\/ \u2500\u2500 TIP text \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\n let tip = '';\n if (prof !== 'general') {\n tip = `<strong>\u00a1Enhorabuena!<\/strong> Tienes bonificaci\u00f3n en el ITP como perfil <em>${prof}<\/em>. \n Recuerda solicitar expresamente la reducci\u00f3n al notario y tener la documentaci\u00f3n acreditativa.`;\n } else if (isNueva) {\n tip = `En obra nueva el impuesto principal es el <strong>IVA (10%)<\/strong> \u2014 uniforme en toda Espa\u00f1a \u2014 m\u00e1s el IAJD que var\u00eda por CCAA. \n Suma m\u00e1s que en segunda mano, pero el inmueble es nuevo y sin cargas ocultas.`;\n } else if (ccData.itp >= 9) {\n tip = `Tu comunidad aplica un ITP del <strong>${ccData.itp}%<\/strong>, de los m\u00e1s altos de Espa\u00f1a. \n Si tienes menores de 35 a\u00f1os en la unidad familiar, consulta si puedes acceder al tipo reducido.`;\n } else {\n tip = `Aunque no necesites financiaci\u00f3n, con tu nivel de solvencia nuestros br\u00f3keres pueden negociarte \n una hipoteca a tipo muy competitivo. As\u00ed mantienes liquidez sin descapitalizarte.`;\n }\n\n \/\/ \u2500\u2500 RENDER \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\n document.getElementById('rTotalMin').textContent = fmt(totalMin);\n document.getElementById('rTotalRange').textContent = `hasta ${fmt(totalMax)}`;\n document.getElementById('rPct').textContent = `${pctMin}% \u2013 ${pctMax}% del precio`;\n\n document.getElementById('taxLabel').textContent = taxLabel;\n document.getElementById('taxNote').textContent = taxNote;\n const txAmt = (taxMin === taxMax) ? fmt(taxMin) : fmtR(taxMin, taxMax);\n document.getElementById('taxAmount').innerHTML = txAmt;\n\n \/\/ IAJD row\n const iajdRow = document.getElementById('row-iajd');\n if (showIajd) {\n iajdRow.style.display = 'flex';\n document.getElementById('iajdNote').textContent = `IAJD ${ccData.iajd}% \u00b7 ${ccData.n}`;\n document.getElementById('iajdAmount').textContent = fmt(iajdMin);\n } else {\n iajdRow.style.display = 'none';\n }\n\n document.getElementById('notariaAmount').textContent = fmtR(notariaMin, notariaMax);\n document.getElementById('registroAmount').textContent = fmtR(registroMin, registroMax);\n\n \/\/ Bar\n const barPct = Math.min(((totalMin\/price)*100), 18);\n document.getElementById('costBar').style.width = `${(barPct\/18)*100}%`;\n document.getElementById('barPctMin').textContent = pctMin + '%';\n document.getElementById('barPctMax').textContent = pctMax + '%';\n\n \/\/ Savings\n document.getElementById('savIajd').textContent = fmtR(savIajdVal, savIajdValMax);\n document.getElementById('savApertura').textContent = `0 \u20ac \u2013 ${fmt(savApertMax)}`;\n document.getElementById('savTotal').textContent = `hasta ${fmt(savTotMax)}`;\n\n \/\/ Tip\n document.getElementById('tipText').innerHTML = tip;\n\n \/\/ Show\n results.classList.add('visible');\n results.scrollIntoView({ behavior:'smooth', block:'start' });\n}\n\n\/\/ \u2500\u2500 RESET \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\nresetBtn.addEventListener('click', () => {\n results.classList.remove('visible');\n window.scrollTo({ top:0, behavior:'smooth' });\n});\n\n\/\/ \u2500\u2500 INIT \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\nsetPrice(150000);\n<\/script>\n<\/body>\n<\/html>\n\n\n\n<h2 class=\"wp-block-heading\">\u00bfCu\u00e1les son los gastos de comprar una vivienda sin hipoteca en 2026?<\/h2>\n\n\n\n<p class=\"has-text-align-center\"><em>Al comprar sin hipoteca pagar\u00e1s entre 19.200 \u20ac y 37.100 \u20ac en impuestos, notar\u00eda y registro para una vivienda de 300.000 \u20ac, seg\u00fan sea segunda mano u obra nueva.<\/em><\/p>\n\n\n\n<p>Los gastos de comprar una casa sin hipoteca pueden <strong>dividirse en 3 conceptos: Notar\u00eda, Registro de la Propiedad e impuestos.<\/strong><\/p>\n\n\n\n<p>Para que puedas calcular los gastos de compra de una vivienda sin hipoteca con cifras reales, hemos <strong>simulado los costes de una vivienda de 300.000\u20ac<\/strong>, separando obra nueva de vivienda de segunda mano:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Concepto<\/strong><\/td><td><strong>Obra nueva<\/strong><\/td><td><strong>Segunda mano<\/strong><\/td><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Impuesto principal<\/strong><\/td><td><strong>IVA 10%<\/strong> \u2192 30.000\u20ac<\/td><td><strong>ITP 6% \u2013 10%<\/strong> \u2192 18.000 \u2013 30.000\u20ac<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>IAJD<\/strong><\/td><td>0,5% \u2013 1,5% \u2192 1.500 \u2013 4.500\u20ac<\/td><td>No aplica (generalmente)<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Notar\u00eda<\/strong><\/td><td>0,2% \u2013 0,5% \u2192 600 \u2013 1.500\u20ac<\/td><td>0,2% \u2013 0,5% \u2192 600 \u2013 1.500\u20ac<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Registro de la Propiedad<\/strong><\/td><td>0,1% \u2013 0,2% \u2192 300 \u2013 600\u20ac<\/td><td>0,1% \u2013 0,2% \u2192 300 \u2013 600\u20ac<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Gestor\u00eda<\/strong><\/td><td>300 \u2013 500\u20ac<\/td><td>300 \u2013 500\u20ac<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">—<\/td><td>—<\/td><td>—<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Total estimado<\/strong><\/td><td><strong>32.700 \u2013 37.100\u20ac<\/strong><\/td><td><strong>19.200 \u2013 32.600\u20ac<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>La conclusi\u00f3n principal que sacan nuestros expertos al <strong>calcular los gastos de compra de una vivienda de segunda mano sin hipoteca<\/strong> es que son menores.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><em><strong>Consejo del experto: Si vas a solicitar una hipoteca<\/strong> para esos 300.000\u20ac, recuerda que desde la <a href=\"https:\/\/www.boe.es\/buscar\/doc.php?id=BOE-A-2019-3814\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Ley Hipotecaria de 2019<\/strong><\/a>,<strong> la mayor\u00eda de los gastos<\/strong> (Notar\u00eda, Registro, IAJD y Gestor\u00eda de la hipoteca) <strong>los paga el banco<\/strong>, excepto la tasaci\u00f3n, que suele rondar los 300 \u2013 600\u20ac.<\/em><\/li>\n<\/ul>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img decoding=\"async\" src=\"data:image\/gif,GIF89a%01%00%01%00%80%00%00%00%00%00%FF%FF%FF%21%F9%04%01%00%00%00%00%2C%00%00%00%00%01%00%01%00%00%02%01D%00%3B\" data-layzr=\"https:\/\/housfy.com\/blog\/wp-content\/uploads\/2022\/03\/Gastos-de-comprar-una-vivienda-sin-hipoteca-en-2026.jpg\" alt=\"Simulador de gastos para la compra de una vivienda sin hipoteca\" class=\"wp-image-65204\" title=\"- Housfy\"><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\">\u00bfC\u00f3mo var\u00edan los impuestos en funci\u00f3n de la Comunidad Aut\u00f3noma?<\/h2>\n\n\n\n<p class=\"has-text-align-center\"><em>El ITP var\u00eda del 4% en Pa\u00eds Vasco al 10% en Catalu\u00f1a o Valencia y puede bajar al 3% o 5% si eres joven, familia numerosa o tienes discapacidad.<\/em><\/p>\n\n\n\n<p>Mientras que el IVA es uniforme en toda Espa\u00f1a, 10% general y 4% para Viviendas de Protecci\u00f3n Oficial (VPO), <strong>el ITP y el Impuesto sobre Actos Jur\u00eddicos Documentados (IAJD) dependen de tu Comunidad Aut\u00f3noma.<\/strong><\/p>\n\n\n\n<p>Adem\u00e1s, para sacarle el m\u00e1ximo partido al simulador de gastos para la compra de una vivienda sin hipoteca, necesitas saber <strong>en qu\u00e9 comunidad est\u00e1s comprando:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Por ejemplo, para el ITP, entre Pa\u00eds Vasco (4%) y Catalu\u00f1a o Valencia (10%) hay una <strong>diferencia de ahorro de 18.000\u20ac en una vivienda de 300.000\u20ac.<\/strong><\/li>\n<\/ul>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img decoding=\"async\" src=\"data:image\/gif,GIF89a%01%00%01%00%80%00%00%00%00%00%FF%FF%FF%21%F9%04%01%00%00%00%00%2C%00%00%00%00%01%00%01%00%00%02%01D%00%3B\" data-layzr=\"https:\/\/housfy.com\/blog\/wp-content\/uploads\/2022\/03\/Firma-ante-notaria-de-los-gastos-de-comprar-una-vivienda-sin-hipoteca.jpg\" alt=\"Simulador de gastos para la compra de una vivienda sin hipoteca\" class=\"wp-image-65209\" title=\"- Housfy\"><\/figure>\n<\/div>\n\n\n<h3 class=\"wp-block-heading\">ITP seg\u00fan Comunidad Aut\u00f3noma en 2026<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td><strong>Comunidad Aut\u00f3noma<\/strong><\/td><td><strong>Tipo general ITP<\/strong><\/td><td><strong>Gasto ITP (para 300.000\u20ac)<\/strong><\/td><\/tr><\/thead><tbody><tr><td><strong>Pa\u00eds Vasco<\/strong><\/td><td>4%<\/td><td>12.000\u20ac<\/td><\/tr><tr><td><strong>Navarra<\/strong><\/td><td>6%<\/td><td>18.000\u20ac<\/td><\/tr><tr><td><strong>Comunidad de Madrid<\/strong><\/td><td>6%<\/td><td>18.000\u20ac<\/td><\/tr><tr><td><strong>Canarias<\/strong><\/td><td>6,5%<\/td><td>19.500\u20ac<\/td><\/tr><tr><td><strong>Andaluc\u00eda<\/strong><\/td><td>7%<\/td><td>21.000\u20ac<\/td><\/tr><tr><td><strong>La Rioja<\/strong><\/td><td>7%<\/td><td>21.000\u20ac<\/td><\/tr><tr><td><strong>Cantabria<\/strong><\/td><td>7%<\/td><td>21.000\u20ac<\/td><\/tr><tr><td><strong>Arag\u00f3n<\/strong><\/td><td>8%<\/td><td>24.000\u20ac<\/td><\/tr><tr><td><strong>Asturias<\/strong><\/td><td>8%<\/td><td>24.000\u20ac<\/td><\/tr><tr><td><strong>Castilla y Le\u00f3n<\/strong><\/td><td>8%<\/td><td>24.000\u20ac<\/td><\/tr><tr><td><strong>Extremadura<\/strong><\/td><td>8%<\/td><td>24.000\u20ac<\/td><\/tr><tr><td><strong>Galicia<\/strong><\/td><td>8%<\/td><td>24.000\u20ac<\/td><\/tr><tr><td><strong>Murcia<\/strong><\/td><td>8%<\/td><td>24.000\u20ac<\/td><\/tr><tr><td><strong>Baleares<\/strong><\/td><td>8%<\/td><td>24.000\u20ac<\/td><\/tr><tr><td><strong>Castilla-La Mancha<\/strong><\/td><td>9%<\/td><td>27.000\u20ac<\/td><\/tr><tr><td><strong>Catalu\u00f1a<\/strong><\/td><td>10%<\/td><td>30.000\u20ac<\/td><\/tr><tr><td><strong>C. Valenciana<\/strong><\/td><td>10%<\/td><td>30.000\u20ac<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li><em><strong>Nota importante: <\/strong>Pr\u00e1cticamente todas las comunidades ofrecen tipos de entre el 3% y el 5% si cumples requisitos como <strong>ser menor de 35-36 a\u00f1os, familia numerosa, tener una discapacidad o si la vivienda es de protecci\u00f3n oficial (VPO).<\/strong><\/em><\/li>\n<\/ul>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img decoding=\"async\" src=\"data:image\/gif,GIF89a%01%00%01%00%80%00%00%00%00%00%FF%FF%FF%21%F9%04%01%00%00%00%00%2C%00%00%00%00%01%00%01%00%00%02%01D%00%3B\" data-layzr=\"https:\/\/housfy.com\/blog\/wp-content\/uploads\/2022\/03\/Gastos-de-comprar-una-vivienda-sin-hipoteca-en-2026-con-Housfy.jpg\" alt=\"Simulador de gastos para la compra de una vivienda sin hipoteca\" class=\"wp-image-65205\" title=\"- Housfy\"><\/figure>\n<\/div>\n\n\n<h3 class=\"wp-block-heading\">IAJD seg\u00fan Comunidad Aut\u00f3noma en 2026<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td><strong>Comunidad Aut\u00f3noma<\/strong><\/td><td><strong>Tipo IAJD<\/strong><\/td><td><strong>Pago (IAJD)<\/strong> sobre 300.000\u20ac<\/td><\/tr><\/thead><tbody><tr><td><strong>Pa\u00eds Vasco<\/strong><\/td><td>0,5%<\/td><td>1.500\u20ac<\/td><\/tr><tr><td><strong>Madrid<\/strong><\/td><td>0,75%<\/td><td>2.250\u20ac<\/td><\/tr><tr><td><strong>Andaluc\u00eda<\/strong><\/td><td>1,2%<\/td><td>3.600\u20ac<\/td><\/tr><tr><td><strong>Catalu\u00f1a<\/strong><\/td><td>1,5%<\/td><td>4.500\u20ac<\/td><\/tr><tr><td><strong>C. Valenciana<\/strong><\/td><td>1,5%<\/td><td>4.500\u20ac<\/td><\/tr><tr><td><strong>Resto de CCAA<\/strong><\/td><td>0,5% \u2013 1,5%<\/td><td>1.500\u20ac \u2013 4.500\u20ac<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Consejo pr\u00e1ctico:<\/strong><\/p>\n\n\n\n<p>Aunque no necesites financiaci\u00f3n, nuestros expertos conocen cada gasto de la compraventa al detalle. Por eso, te lanzamos una idea; aunque tengas el dinero, <strong>puede que valga la pena plantearse pedir una hipoteca con buenas condiciones.<\/strong> Con tu nivel de solvencia, <a href=\"https:\/\/housfy.com\/hipoteca\/broker-hipotecario\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>nuestros br\u00f3keres hipotecarios<\/strong><\/a> pueden negociarte un tipo muy competitivo, lo que te permite <strong>no descapitalizarte, acceder a dinero barato y mantener liquidez para otras inversiones<\/strong> que te generen rentabilidad.<\/p>\n<\/blockquote>\n\n\n\n<p><\/p>\n\n\n\n<div\r\n\t\t\t\tid=\"hustle-embedded-id-79\"\r\n\t\t\t\tclass=\"hustle-ui hustle-inline hustle-palette--gray_slate hustle_module_id_79 module_id_79 hustle-size--custom\"\r\n\t\t\t\t\r\n\t\t\tdata-id=\"79\"\r\n\t\t\tdata-render-id=\"0\"\r\n\t\t\tdata-tracking=\"enabled\"\r\n\t\t\t\r\n\t\t\t\tdata-intro=\"no_animation\"\r\n\t\t\t\tdata-sub-type=\"shortcode\"\r\n\t\t\t\t\r\n\t\t\t\tstyle=\"opacity: 0;\"\r\n\t\t\t\taria-label=\"Consulta con br\u00f3keres hipotecarios expertos popup\"\r\n\t\t\t><div class=\"hustle-inline-content\"><div class=\"hustle-info hustle-info--compact\"><div class=\"hustle-main-wrapper\"><div class=\"hustle-layout\"><div class=\"hustle-content\"><div class=\"hustle-content-wrap\"><div class=\"hustle-group-title\"><h3 class=\"hustle-title\">Consulta con br\u00f3keres hipotecarios expertos<\/h3><h4 class=\"hustle-subtitle\">Conoce cada detalle de tu futura hipoteca y resuelve todas tus dudas<\/h4><\/div><div class=\"hustle-cta-container\"><a class=\"hustle-button hustle-button-cta \" href=\"https:\/\/housfy.com\/hipoteca\/broker-hipotecario?utm_source=traffic_CTABanner_Embed_blog&utm_medium=CTABanner&utm_campaign=CTABanner_Embed_broker_hipotecario_blog&utm_term=broker_hipotecario_CTABanner_Embed_blog\" target=\"_blank\" data-cta-type=\"cta\">INF\u00d3RMATE GRATIS<\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">\u00bfQu\u00e9 gastos te ahorras al comprar una vivienda sin hipoteca en 2026?<\/h2>\n\n\n\n<p class=\"has-text-align-center\"><em>Comprando al contado te ahorras tasaci\u00f3n, gestor\u00eda bancaria, IAJD y comisi\u00f3n de apertura; en una hipoteca de 300.000\u20ac pueden sumar hasta 11.400\u20ac extra que no tendr\u00e1s que pagar.<\/em><\/p>\n\n\n\n<p>Si los gastos de compra de una vivienda de segunda mano sin hipoteca ya son considerables, con un <strong>pr\u00e9stamo hipotecario de por medio<\/strong>, deber\u00edas a\u00f1adirle todos estos:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Tasaci\u00f3n bancaria<\/strong>: Entre 300\u20ac y 500\u20ac.<\/li>\n\n\n\n<li>Est\u00e1s <strong>obligado a usar la gestor\u00eda de confianza del banco<\/strong> y te va a costar entre 150\u20ac y 400\u20ac.<\/li>\n\n\n\n<li><strong>IAJD del pr\u00e9stamo hipotecario<\/strong>: Entre el 0,5% y el 1,5% del pr\u00e9stamo. Con 300.000\u20ac, hasta <strong>4.500\u20ac<\/strong>.<\/li>\n\n\n\n<li><strong>Comisi\u00f3n de apertura<\/strong>: Del 0% al 2% seg\u00fan entidad. En ese mismo pr\u00e9stamo, hasta<strong> 6.000\u20ac<\/strong>.<\/li>\n\n\n\n<li><strong>Productos vinculados<\/strong> (seguros de vida, hogar, planes de pensiones…): Coste indirecto que puede encarecer la operaci\u00f3n notablemente durante la vida del pr\u00e9stamo.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Consejo pr\u00e1ctico:<\/strong><\/p>\n\n\n\n<p>Para saber exactamente cu\u00e1nto te ahorras frente a financiar, utiliza el simulador de gastos para la compra de una vivienda sin hipoteca que tienes al principio del art\u00edculo, junto con el <strong><a href=\"https:\/\/housfy.com\/hipoteca\/simulador-hipoteca\" target=\"_blank\" rel=\"noreferrer noopener\">simulador de hipotecas gratuito y online de Housfy<\/a><\/strong>. <strong>Compara ambos escenarios para ver qu\u00e9 opci\u00f3n protege mejor tus ahorros a largo plazo.<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p><\/p>\n\n\n\n<div\r\n\t\t\t\tid=\"hustle-embedded-id-36\"\r\n\t\t\t\tclass=\"hustle-ui hustle-inline hustle-palette--gray_slate hustle_module_id_36 module_id_36 hustle-size--custom\"\r\n\t\t\t\t\r\n\t\t\tdata-id=\"36\"\r\n\t\t\tdata-render-id=\"0\"\r\n\t\t\tdata-tracking=\"enabled\"\r\n\t\t\t\r\n\t\t\t\tdata-intro=\"no_animation\"\r\n\t\t\t\tdata-sub-type=\"shortcode\"\r\n\t\t\t\t\r\n\t\t\t\tstyle=\"opacity: 0;\"\r\n\t\t\t\taria-label=\"Calcula tu hipoteca online y gratis popup\"\r\n\t\t\t><div class=\"hustle-inline-content\"><div class=\"hustle-info hustle-info--compact\"><div class=\"hustle-main-wrapper\"><div class=\"hustle-layout\"><div class=\"hustle-content\"><div class=\"hustle-content-wrap\"><div class=\"hustle-group-title\"><h3 class=\"hustle-title\">Calcula tu hipoteca online y gratis<\/h3><h4 class=\"hustle-subtitle\">Utiliza nuestro simulador de hipotecas y descubre la cuota mensual<\/h4><\/div><div class=\"hustle-cta-container\"><a class=\"hustle-button hustle-button-cta \" href=\"https:\/\/housfy.com\/hipoteca\/simulador-hipoteca?utm_source=traffic_CTABanner_Embed_blog&utm_medium=CTABanner&utm_campaign=CTABanner_Embed_simulador_hipoteca_blog&utm_term=simulador_hipoteca_CTABanner_Embed_blog\" target=\"_self\" data-cta-type=\"cta\">EMPEZAR SIMULACI\u00d3N<\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">\u00bfC\u00f3mo justificar el origen de los fondos al comprar al contado?<\/h2>\n\n\n\n<p class=\"has-text-align-center\"><em>Al comprar al contado, el notario est\u00e1 obligado por ley a pedirte que demuestres el origen del dinero, as\u00ed que ten preparados extractos bancarios, declaraciones de renta y, seg\u00fan el caso, escrituras de herencia, venta o donaci\u00f3n.<\/em><\/p>\n\n\n\n<p>Nuestros expertos recomiendan que tengas esta cuesti\u00f3n presente porque el notario, desde la puesta en marcha de la <a href=\"https:\/\/www.boe.es\/buscar\/act.php?id=BOE-A-2010-6737\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Ley 10\/2010<\/strong><\/a>, est\u00e1 <strong>obligado a preguntar por el origen del dinero <\/strong>en cualquier operaci\u00f3n de compraventa.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u00bfQu\u00e9 documentaci\u00f3n debes preparar?<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Extractos bancarios de los \u00faltimos 12 meses <\/strong>que acrediten la acumulaci\u00f3n del capital.<\/li>\n\n\n\n<li><strong>\u00daltimas declaraciones de la renta <\/strong>(generalmente entre 2 y 3 a\u00f1os).<\/li>\n\n\n\n<li>Si el dinero proviene de una herencia, debes presentar la <strong>escritura de aceptaci\u00f3n y la liquidaci\u00f3n del impuesto de sucesiones.<\/strong><\/li>\n\n\n\n<li>Si proviene de la venta de otro inmueble, debes presentar la <strong>escritura de compraventa previa.<\/strong><\/li>\n\n\n\n<li>Si es una donaci\u00f3n, debes presentar la <strong>escritura p\u00fablica de donaci\u00f3n y justificante del pago del impuesto.<\/strong><\/li>\n<\/ul>\n\n\n\n<p>En cambio, si optas por solicitar financiaci\u00f3n, te recomendamos consultar esta <strong><a href=\"https:\/\/housfy.com\/blog\/guia-documentacion-necesaria-firma-de-una-hipoteca\/?utm_source=blog&utm_content=%2Fblog\" target=\"_blank\" rel=\"noreferrer noopener\">gu\u00eda de documentaci\u00f3n necesaria para la firma de una hipoteca<\/a><\/strong> para saber los<strong> requisitos que te pedir\u00e1 el banco.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Preguntas frecuentes (FAQ’s)<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">\u00bfQui\u00e9n paga los gastos de notar\u00eda, el comprador o el vendedor?<\/h3>\n\n\n\n<p>Por norma general, <a href=\"https:\/\/housfy.com\/blog\/gastos-de-escritura-de-compraventa-cuales-son-y-quien-los-paga\/?utm_source=blog&utm_content=%2Fblog\" target=\"_blank\" data-type=\"link\" data-id=\"https:\/\/housfy.com\/blog\/gastos-de-escritura-de-compraventa-cuales-son-y-quien-los-paga\/?utm_source=blog&utm_content=%2Fblog\" rel=\"noreferrer noopener\"><strong>los gastos de la escritura de compraventa los asume el comprador<\/strong><\/a>. El <strong>vendedor <\/strong>suele hacerse cargo <strong>\u00fanicamente de la plusval\u00eda municipal.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u00bfHay diferencia entre comprar vivienda nueva y de segunda mano sin hipoteca?<\/h3>\n\n\n\n<p>S\u00ed, y es significativa. En segunda mano pagas ITP (var\u00eda por CCAA), mientras que en obra nueva pagas IVA al 10% m\u00e1s IAJD. Los <strong>gastos de comprar una casa sin hipoteca<\/strong> son similares en notar\u00eda y registro, pero el impacto fiscal puede diferir en varios miles de euros seg\u00fan el tipo de vivienda y tu comunidad.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u00bfEs 100% fiable el simulador de gastos para la compra de una vivienda sin hipoteca de Housfy?<\/h3>\n\n\n\n<p>S\u00ed, el simulador de gastos para la compra de una vivienda sin hipoteca que hemos elaborado en Housfy <strong>es totalmente fiable.<\/strong> En caso de necesitar cualquier dato m\u00e1s espec\u00edfico, puedes contactar con nosotros.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00bfTienes los ahorros suficientes como para no necesitar de financiaci\u00f3n al comprar una vivienda? Adquirir un inmueble sin hipoteca te exime del pr\u00e9stamo pero tiene gastos que debes tener siempre en cuenta. Lo m\u00e1s importante de este art\u00edculo: En este art\u00edculo aprender\u00e1s: \u00bfC\u00f3mo usar el simulador de gastos para la compra de una vivienda sin hipoteca? Utiliza el simulador de gastos para la compra de una vivienda sin hipoteca que tienes a continuaci\u00f3n para tener claro cu\u00e1nto vas a pagar con tu compra al contado. En Housfy, hemos elaborado una herramienta propia para simular los gastos totales que deber\u00edas pagar <\/p>\n","protected":false},"author":52,"featured_media":65202,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[133,123],"tags":[],"class_list":["post-5149","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-comprar-piso","category-hipoteca","has_thumb"],"img_url":"https:\/\/housfy.com\/blog\/wp-content\/uploads\/2022\/03\/Gastos-de-comprar-una-vivienda-sin-hipoteca.jpg","_links":{"self":[{"href":"https:\/\/housfy.com\/blog\/wp-json\/wp\/v2\/posts\/5149","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/housfy.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/housfy.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/housfy.com\/blog\/wp-json\/wp\/v2\/users\/52"}],"replies":[{"embeddable":true,"href":"https:\/\/housfy.com\/blog\/wp-json\/wp\/v2\/comments?post=5149"}],"version-history":[{"count":71,"href":"https:\/\/housfy.com\/blog\/wp-json\/wp\/v2\/posts\/5149\/revisions"}],"predecessor-version":[{"id":69088,"href":"https:\/\/housfy.com\/blog\/wp-json\/wp\/v2\/posts\/5149\/revisions\/69088"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/housfy.com\/blog\/wp-json\/wp\/v2\/media\/65202"}],"wp:attachment":[{"href":"https:\/\/housfy.com\/blog\/wp-json\/wp\/v2\/media?parent=5149"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/housfy.com\/blog\/wp-json\/wp\/v2\/categories?post=5149"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/housfy.com\/blog\/wp-json\/wp\/v2\/tags?post=5149"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}