{"id":6695,"date":"2025-09-08T00:00:00","date_gmt":"2025-09-08T00:00:00","guid":{"rendered":"https:\/\/www.contem.es\/subrogacion-en-la-hipoteca-del-vendedor\/"},"modified":"2025-09-08T00:00:00","modified_gmt":"2025-09-08T00:00:00","slug":"subrogacion-en-la-hipoteca-del-vendedor","status":"publish","type":"post","link":"https:\/\/www.contem.es\/es\/subrogacion-en-la-hipoteca-del-vendedor\/","title":{"rendered":"Subrogaci\u00f3n en la hipoteca del vendedor"},"content":{"rendered":"<p>Si se est\u00e1 planteando adquirir una vivienda y necesita financiaci\u00f3n, verifique si el vendedor tambi\u00e9n est\u00e1 satisfaciendo un pr\u00e9stamo hipotecario. Si es as\u00ed, subrogarse en esa hipoteca puede salirle m\u00e1s barato que solicitar una nueva:<\/p>\n<ul>\n<li>En general, por la nueva hipoteca deber\u00e1 satisfacer el Impuesto sobre Actos Jur\u00eddicos Documentados, que supondr\u00e1 entre el 1\u00a0y el 1,5% del capital garantizado, seg\u00fan la comunidad aut\u00f3noma.<\/li>\n<li>En cambio, si se subroga en la hipoteca del vendedor (de forma que usted pasar\u00e1 a ser el nuevo deudor), dicho impuesto no debe satisfacerse.<\/li>\n<li>Y tampoco debe satisfacer ese impuesto si, como consecuencia de la subrogaci\u00f3n, renegocia las condiciones de tipo de inter\u00e9s y plazo de devoluci\u00f3n.<\/li>\n<\/ul>\n<p>\u00danicamente deber\u00e1 satisfacer este impuesto si negocia una ampliaci\u00f3n del importe de la hipoteca. Pero, aun as\u00ed, el coste ser\u00e1 inferior, ya que el impuesto s\u00f3lo recaer\u00e1 sobre el importe de la ampliaci\u00f3n, y no sobre el resto del capital en el que se subrogue.<\/p>\n<p> Cons\u00faltenos cualquier duda tributaria que se le plantee. Nuestros profesionales son expertos en temas fiscales, tanto si afectan a personas f\u00edsicas como a sociedades.\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Si se est&aacute; planteando adquirir una vivienda y necesita financiaci&oacute;n, verifique si el vendedor tambi&eacute;n est&aacute; satisfaciendo un pr&eacute;stamo hipotecario. Si es as&iacute;, subrogarse en esa hipoteca puede salirle m&aacute;s barato que solicitar una nueva: En general, por la nueva hipoteca deber&aacute; satisfacer el Impuesto sobre Actos Jur&iacute;dicos Documentados, que supondr&aacute; entre el 1&nbsp;y el [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":6696,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[],"class_list":["post-6695","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fiscal"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Subrogaci\u00f3n en la hipoteca del vendedor | Contem Assessors<\/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:\/\/www.contem.es\/es\/subrogacion-en-la-hipoteca-del-vendedor\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Subrogaci\u00f3n en la hipoteca del vendedor | Contem Assessors\" \/>\n<meta property=\"og:description\" content=\"Si se est&aacute; planteando adquirir una vivienda y necesita financiaci&oacute;n, verifique si el vendedor tambi&eacute;n est&aacute; satisfaciendo un pr&eacute;stamo hipotecario. Si es as&iacute;, subrogarse en esa hipoteca puede salirle m&aacute;s barato que solicitar una nueva: En general, por la nueva hipoteca deber&aacute; satisfacer el Impuesto sobre Actos Jur&iacute;dicos Documentados, que supondr&aacute; entre el 1&nbsp;y el [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.contem.es\/es\/subrogacion-en-la-hipoteca-del-vendedor\/\" \/>\n<meta property=\"og:site_name\" content=\"Contem Assessors\" \/>\n<meta property=\"article:published_time\" content=\"2025-09-08T00:00:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.contem.es\/wp-content\/uploads\/2016\/06\/touch-icon-contem.png\" \/>\n<meta name=\"author\" content=\"rss\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@contemassessors\" \/>\n<meta name=\"twitter:site\" content=\"@contemassessors\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"rss\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minuto\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.contem.es\\\/es\\\/subrogacion-en-la-hipoteca-del-vendedor\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.contem.es\\\/es\\\/subrogacion-en-la-hipoteca-del-vendedor\\\/\"},\"author\":{\"name\":\"rss\",\"@id\":\"https:\\\/\\\/www.contem.es\\\/es\\\/#\\\/schema\\\/person\\\/c1284c1e1887128f110dc4a88f6137ae\"},\"headline\":\"Subrogaci\u00f3n en la hipoteca del vendedor\",\"datePublished\":\"2025-09-08T00:00:00+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.contem.es\\\/es\\\/subrogacion-en-la-hipoteca-del-vendedor\\\/\"},\"wordCount\":201,\"publisher\":{\"@id\":\"https:\\\/\\\/www.contem.es\\\/es\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.contem.es\\\/es\\\/subrogacion-en-la-hipoteca-del-vendedor\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.contem.es\\\/wp-content\\\/uploads\\\/2025\\\/09\\\/shutterstock171093851-bcSize-650x118-2.jpg\",\"articleSection\":[\"Fiscal\"],\"inLanguage\":\"es\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.contem.es\\\/es\\\/subrogacion-en-la-hipoteca-del-vendedor\\\/\",\"url\":\"https:\\\/\\\/www.contem.es\\\/es\\\/subrogacion-en-la-hipoteca-del-vendedor\\\/\",\"name\":\"Subrogaci\u00f3n en la hipoteca del vendedor | Contem Assessors\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.contem.es\\\/es\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.contem.es\\\/es\\\/subrogacion-en-la-hipoteca-del-vendedor\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.contem.es\\\/es\\\/subrogacion-en-la-hipoteca-del-vendedor\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.contem.es\\\/wp-content\\\/uploads\\\/2025\\\/09\\\/shutterstock171093851-bcSize-650x118-2.jpg\",\"datePublished\":\"2025-09-08T00:00:00+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.contem.es\\\/es\\\/subrogacion-en-la-hipoteca-del-vendedor\\\/#breadcrumb\"},\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.contem.es\\\/es\\\/subrogacion-en-la-hipoteca-del-vendedor\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\\\/\\\/www.contem.es\\\/es\\\/subrogacion-en-la-hipoteca-del-vendedor\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.contem.es\\\/wp-content\\\/uploads\\\/2025\\\/09\\\/shutterstock171093851-bcSize-650x118-2.jpg\",\"contentUrl\":\"https:\\\/\\\/www.contem.es\\\/wp-content\\\/uploads\\\/2025\\\/09\\\/shutterstock171093851-bcSize-650x118-2.jpg\",\"width\":650,\"height\":118},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.contem.es\\\/es\\\/subrogacion-en-la-hipoteca-del-vendedor\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Inici\",\"item\":\"https:\\\/\\\/www.contem.es\\\/es\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Subrogaci\u00f3n en la hipoteca del vendedor\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.contem.es\\\/es\\\/#website\",\"url\":\"https:\\\/\\\/www.contem.es\\\/es\\\/\",\"name\":\"Contem Assessors\",\"description\":\"Fiscal, comptable , laboral , jur\u00eddic , econ\u00f2mic i assegurances\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.contem.es\\\/es\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.contem.es\\\/es\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"es\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.contem.es\\\/es\\\/#organization\",\"name\":\"Contem Assessors\",\"url\":\"https:\\\/\\\/www.contem.es\\\/es\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\\\/\\\/www.contem.es\\\/es\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.contem.es\\\/wp-content\\\/uploads\\\/2016\\\/06\\\/touch-icon-contem.png\",\"contentUrl\":\"https:\\\/\\\/www.contem.es\\\/wp-content\\\/uploads\\\/2016\\\/06\\\/touch-icon-contem.png\",\"width\":120,\"height\":120,\"caption\":\"Contem Assessors\"},\"image\":{\"@id\":\"https:\\\/\\\/www.contem.es\\\/es\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/x.com\\\/contemassessors\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/contem-assessors\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.contem.es\\\/es\\\/#\\\/schema\\\/person\\\/c1284c1e1887128f110dc4a88f6137ae\",\"name\":\"rss\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/ab3bd31bf66b0e143141b04dbe6aa5f58290e800756006b9aef442f9b1e697cb?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/ab3bd31bf66b0e143141b04dbe6aa5f58290e800756006b9aef442f9b1e697cb?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/ab3bd31bf66b0e143141b04dbe6aa5f58290e800756006b9aef442f9b1e697cb?s=96&d=mm&r=g\",\"caption\":\"rss\"},\"url\":\"https:\\\/\\\/www.contem.es\\\/es\\\/author\\\/rss\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Subrogaci\u00f3n en la hipoteca del vendedor | Contem Assessors","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.contem.es\/es\/subrogacion-en-la-hipoteca-del-vendedor\/","og_locale":"es_ES","og_type":"article","og_title":"Subrogaci\u00f3n en la hipoteca del vendedor | Contem Assessors","og_description":"Si se est&aacute; planteando adquirir una vivienda y necesita financiaci&oacute;n, verifique si el vendedor tambi&eacute;n est&aacute; satisfaciendo un pr&eacute;stamo hipotecario. Si es as&iacute;, subrogarse en esa hipoteca puede salirle m&aacute;s barato que solicitar una nueva: En general, por la nueva hipoteca deber&aacute; satisfacer el Impuesto sobre Actos Jur&iacute;dicos Documentados, que supondr&aacute; entre el 1&nbsp;y el [&hellip;]","og_url":"https:\/\/www.contem.es\/es\/subrogacion-en-la-hipoteca-del-vendedor\/","og_site_name":"Contem Assessors","article_published_time":"2025-09-08T00:00:00+00:00","og_image":[{"url":"https:\/\/www.contem.es\/wp-content\/uploads\/2016\/06\/touch-icon-contem.png","type":"","width":"","height":""}],"author":"rss","twitter_card":"summary_large_image","twitter_creator":"@contemassessors","twitter_site":"@contemassessors","twitter_misc":{"Escrito por":"rss","Tiempo de lectura":"1 minuto"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.contem.es\/es\/subrogacion-en-la-hipoteca-del-vendedor\/#article","isPartOf":{"@id":"https:\/\/www.contem.es\/es\/subrogacion-en-la-hipoteca-del-vendedor\/"},"author":{"name":"rss","@id":"https:\/\/www.contem.es\/es\/#\/schema\/person\/c1284c1e1887128f110dc4a88f6137ae"},"headline":"Subrogaci\u00f3n en la hipoteca del vendedor","datePublished":"2025-09-08T00:00:00+00:00","mainEntityOfPage":{"@id":"https:\/\/www.contem.es\/es\/subrogacion-en-la-hipoteca-del-vendedor\/"},"wordCount":201,"publisher":{"@id":"https:\/\/www.contem.es\/es\/#organization"},"image":{"@id":"https:\/\/www.contem.es\/es\/subrogacion-en-la-hipoteca-del-vendedor\/#primaryimage"},"thumbnailUrl":"https:\/\/www.contem.es\/wp-content\/uploads\/2025\/09\/shutterstock171093851-bcSize-650x118-2.jpg","articleSection":["Fiscal"],"inLanguage":"es"},{"@type":"WebPage","@id":"https:\/\/www.contem.es\/es\/subrogacion-en-la-hipoteca-del-vendedor\/","url":"https:\/\/www.contem.es\/es\/subrogacion-en-la-hipoteca-del-vendedor\/","name":"Subrogaci\u00f3n en la hipoteca del vendedor | Contem Assessors","isPartOf":{"@id":"https:\/\/www.contem.es\/es\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.contem.es\/es\/subrogacion-en-la-hipoteca-del-vendedor\/#primaryimage"},"image":{"@id":"https:\/\/www.contem.es\/es\/subrogacion-en-la-hipoteca-del-vendedor\/#primaryimage"},"thumbnailUrl":"https:\/\/www.contem.es\/wp-content\/uploads\/2025\/09\/shutterstock171093851-bcSize-650x118-2.jpg","datePublished":"2025-09-08T00:00:00+00:00","breadcrumb":{"@id":"https:\/\/www.contem.es\/es\/subrogacion-en-la-hipoteca-del-vendedor\/#breadcrumb"},"inLanguage":"es","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.contem.es\/es\/subrogacion-en-la-hipoteca-del-vendedor\/"]}]},{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/www.contem.es\/es\/subrogacion-en-la-hipoteca-del-vendedor\/#primaryimage","url":"https:\/\/www.contem.es\/wp-content\/uploads\/2025\/09\/shutterstock171093851-bcSize-650x118-2.jpg","contentUrl":"https:\/\/www.contem.es\/wp-content\/uploads\/2025\/09\/shutterstock171093851-bcSize-650x118-2.jpg","width":650,"height":118},{"@type":"BreadcrumbList","@id":"https:\/\/www.contem.es\/es\/subrogacion-en-la-hipoteca-del-vendedor\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Inici","item":"https:\/\/www.contem.es\/es\/"},{"@type":"ListItem","position":2,"name":"Subrogaci\u00f3n en la hipoteca del vendedor"}]},{"@type":"WebSite","@id":"https:\/\/www.contem.es\/es\/#website","url":"https:\/\/www.contem.es\/es\/","name":"Contem Assessors","description":"Fiscal, comptable , laboral , jur\u00eddic , econ\u00f2mic i assegurances","publisher":{"@id":"https:\/\/www.contem.es\/es\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.contem.es\/es\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"es"},{"@type":"Organization","@id":"https:\/\/www.contem.es\/es\/#organization","name":"Contem Assessors","url":"https:\/\/www.contem.es\/es\/","logo":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/www.contem.es\/es\/#\/schema\/logo\/image\/","url":"https:\/\/www.contem.es\/wp-content\/uploads\/2016\/06\/touch-icon-contem.png","contentUrl":"https:\/\/www.contem.es\/wp-content\/uploads\/2016\/06\/touch-icon-contem.png","width":120,"height":120,"caption":"Contem Assessors"},"image":{"@id":"https:\/\/www.contem.es\/es\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/x.com\/contemassessors","https:\/\/www.linkedin.com\/company\/contem-assessors"]},{"@type":"Person","@id":"https:\/\/www.contem.es\/es\/#\/schema\/person\/c1284c1e1887128f110dc4a88f6137ae","name":"rss","image":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/secure.gravatar.com\/avatar\/ab3bd31bf66b0e143141b04dbe6aa5f58290e800756006b9aef442f9b1e697cb?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/ab3bd31bf66b0e143141b04dbe6aa5f58290e800756006b9aef442f9b1e697cb?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/ab3bd31bf66b0e143141b04dbe6aa5f58290e800756006b9aef442f9b1e697cb?s=96&d=mm&r=g","caption":"rss"},"url":"https:\/\/www.contem.es\/es\/author\/rss\/"}]}},"_links":{"self":[{"href":"https:\/\/www.contem.es\/es\/wp-json\/wp\/v2\/posts\/6695","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.contem.es\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.contem.es\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.contem.es\/es\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/www.contem.es\/es\/wp-json\/wp\/v2\/comments?post=6695"}],"version-history":[{"count":0,"href":"https:\/\/www.contem.es\/es\/wp-json\/wp\/v2\/posts\/6695\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.contem.es\/es\/wp-json\/wp\/v2\/media\/6696"}],"wp:attachment":[{"href":"https:\/\/www.contem.es\/es\/wp-json\/wp\/v2\/media?parent=6695"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.contem.es\/es\/wp-json\/wp\/v2\/categories?post=6695"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.contem.es\/es\/wp-json\/wp\/v2\/tags?post=6695"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}