{"id":153,"date":"2021-11-04T23:27:35","date_gmt":"2021-11-04T23:27:35","guid":{"rendered":"https:\/\/consejoespanolhi.org\/?page_id=153"},"modified":"2021-11-08T17:23:37","modified_gmt":"2021-11-08T17:23:37","slug":"hipoteca-inversa","status":"publish","type":"page","link":"https:\/\/consejoespanolhi.org\/sobre-nosotros\/hipoteca-inversa\/","title":{"rendered":"Hipoteca Inversa"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"153\" class=\"elementor elementor-153\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e3143ce elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e3143ce\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ff2a19b\" data-id=\"ff2a19b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ff08c5c elementor-widget elementor-widget-heading\" data-id=\"ff08c5c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.19.0 - 07-02-2024 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h2 class=\"elementor-heading-title elementor-size-default\">La Hipoteca Inversa<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e25bf2f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e25bf2f\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-25621f4\" data-id=\"25621f4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7a2a32a elementor-widget elementor-widget-heading\" data-id=\"7a2a32a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Espa\u00f1a es el pa\u00eds de la Europa continental m\u00e1s indicado para el desarrollo de la Hipoteca Inversa, un producto financiero que desempe\u00f1a una importante funci\u00f3n social al permitir a los titulares del mismo \u201cliberar\u201d el ahorro acumulado en su vivienda para mejorar la calidad de vida en la jubilaci\u00f3n.<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-66a0b22 elementor-widget elementor-widget-spacer\" data-id=\"66a0b22\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.19.0 - 07-02-2024 *\/\n.elementor-column .elementor-spacer-inner{height:var(--spacer-size)}.e-con{--container-widget-width:100%}.e-con-inner>.elementor-widget-spacer,.e-con>.elementor-widget-spacer{width:var(--container-widget-width,var(--spacer-size));--align-self:var(--container-widget-align-self,initial);--flex-shrink:0}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container,.e-con>.elementor-widget-spacer>.elementor-widget-container{height:100%;width:100%}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer,.e-con>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer{height:100%}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer>.elementor-spacer-inner,.e-con>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer>.elementor-spacer-inner{height:var(--container-widget-height,var(--spacer-size))}.e-con-inner>.elementor-widget-spacer.elementor-widget-empty,.e-con>.elementor-widget-spacer.elementor-widget-empty{position:relative;min-height:22px;min-width:22px}.e-con-inner>.elementor-widget-spacer.elementor-widget-empty .elementor-widget-empty-icon,.e-con>.elementor-widget-spacer.elementor-widget-empty .elementor-widget-empty-icon{position:absolute;top:0;bottom:0;left:0;right:0;margin:auto;padding:0;width:22px;height:22px}<\/style>\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-999782f elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"999782f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-0925f1c\" data-id=\"0925f1c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-894805d elementor-widget elementor-widget-image\" data-id=\"894805d\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.19.0 - 07-02-2024 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"766\" height=\"427\" src=\"https:\/\/consejoespanolhi.org\/wp-content\/uploads\/2021\/11\/CEHI-Hipoteca-Inversa-1.jpg\" class=\"attachment-large size-large wp-image-155\" alt=\"\" srcset=\"https:\/\/consejoespanolhi.org\/wp-content\/uploads\/2021\/11\/CEHI-Hipoteca-Inversa-1.jpg 766w, https:\/\/consejoespanolhi.org\/wp-content\/uploads\/2021\/11\/CEHI-Hipoteca-Inversa-1-300x167.jpg 300w\" sizes=\"(max-width: 766px) 100vw, 766px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-493f29b\" data-id=\"493f29b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-acdee4f elementor-widget elementor-widget-text-editor\" data-id=\"acdee4f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.19.0 - 07-02-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\tEl desarrollo de un mercado de Hipotecas Inversas beneficiar\u00e1, en primer lugar a los mayores de 65 y dependientes, que encontrar\u00e1n as\u00ed una forma de complementar sus pensiones p\u00fablicas, pero tambi\u00e9n representa una oportunidad para las entidades de cr\u00e9dito que pueden aparecer como sociedades con sensibilidad y responsabilidad social al procurar financiaci\u00f3n a estos colectivos sensibles de una forma responsable y sostenible. Exactamente la misma oportunidad representa para las entidades aseguradoras en cuyo caso, adem\u00e1s, puede representar un activo apto para \u201cmachear\u201d o invertir sus primas de seguros de ahorro, hecho que a su vez les permitir\u00e1 remunerar m\u00e1s y mejor a sus ahorradores, incrementado as\u00ed su competitividad y fomentando el ahorro a largo plazo entre la poblaci\u00f3n.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-c3fc7b1 elementor-section-content-middle elementor-reverse-tablet elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c3fc7b1\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-e121e9a\" data-id=\"e121e9a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-91fb89d elementor-widget elementor-widget-text-editor\" data-id=\"91fb89d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Por \u00faltimo, contribuir\u00e1, sin duda, a reducir la presi\u00f3n sobre el sistema p\u00fablico de Pensiones y, ya desde un punto de vista m\u00e1s macro, ser\u00e1 positivo para la econom\u00eda en general y para la denominada \u201cSilver Economy\u201d en particular al aumentar el consumo interno y m\u00e1s espec\u00edficamente el consumo de bienes y servicios y existentes y tambi\u00e9n los que se est\u00e1n dise\u00f1ando ahora para las personas Mayores y dependientes.<br \/>La Hipoteca Inversa se articula como un pr\u00e9stamo o cr\u00e9dito hipotecario que permite a los mayores de 65 a\u00f1os y dependientes, obtener unas cantidades, ya sean en forma de importe \u00fanico a la firma, en forma de mensualidades, o en otras formas, con la particularidad de que no tiene cuotas de amortizaci\u00f3n, es decir, no hay que devolverlo mes a mes, a diferencia de lo que ocurre con cualquier pr\u00e9stamo hipotecario est\u00e1ndar.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-58b3cb3\" data-id=\"58b3cb3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2683880 elementor-widget elementor-widget-image\" data-id=\"2683880\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"766\" height=\"427\" src=\"https:\/\/consejoespanolhi.org\/wp-content\/uploads\/2021\/11\/CEHI-Hipoteca-Inversa-2.jpg\" class=\"attachment-large size-large wp-image-156\" alt=\"\" srcset=\"https:\/\/consejoespanolhi.org\/wp-content\/uploads\/2021\/11\/CEHI-Hipoteca-Inversa-2.jpg 766w, https:\/\/consejoespanolhi.org\/wp-content\/uploads\/2021\/11\/CEHI-Hipoteca-Inversa-2-300x167.jpg 300w\" sizes=\"(max-width: 766px) 100vw, 766px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>La Hipoteca Inversa Espa\u00f1a es el pa\u00eds de la Europa continental m\u00e1s indicado para el desarrollo de la Hipoteca Inversa, un producto financiero que desempe\u00f1a una importante funci\u00f3n social al permitir a los titulares del mismo \u201cliberar\u201d el ahorro acumulado en su vivienda para mejorar la calidad de vida en la jubilaci\u00f3n. El desarrollo de [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":48,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"footnotes":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Hipoteca Inversa - Consejo Espa\u00f1ol de Hipoteca Inversa<\/title>\n<meta name=\"description\" content=\"La Hipoteca Inversa es producto financiero que permite a los titulares liberar el ahorro acumulado en su vivienda para mejorar su jubilaci\u00f3n.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/consejoespanolhi.org\/sobre-nosotros\/hipoteca-inversa\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Hipoteca Inversa - 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