Guia Financera: Com Finan\u00e7ar la teva Casa MOODUL<\/title>\r\n <link href=\"https:\/\/fonts.googleapis.com\/css2?family=Roboto:wght@300;400;500;700&display=swap\" rel=\"stylesheet\">\r\n <script src=\"https:\/\/cdn.jsdelivr.net\/npm\/chart.js\"><\/script>\r\n <style>\r\n * {\r\n margin: 0;\r\n padding: 0;\r\n box-sizing: border-box;\r\n }\r\n \r\n body {\r\n font-family: 'Roboto', sans-serif;\r\n font-weight: 300;\r\n color: #54595f;\r\n background: #ffffff;\r\n line-height: 1.8;\r\n }\r\n \r\n .container {\r\n max-width: 1200px;\r\n margin: 0 auto;\r\n padding: 0 40px;\r\n }\r\n \r\n section {\r\n padding: 100px 0;\r\n }\r\n \r\n section.bg-light {\r\n background: #fafafa;\r\n }\r\n \r\n \/* Tipograf\u00eda *\/\r\n h1 {\r\n font-size: 64px;\r\n font-weight: 300;\r\n color: #54595f;\r\n margin-bottom: 30px;\r\n line-height: 1.2;\r\n }\r\n \r\n h2 {\r\n font-size: 36px;\r\n font-weight: 500;\r\n color: #54595f;\r\n margin-bottom: 50px;\r\n line-height: 1.2;\r\n }\r\n \r\n h3 {\r\n 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}\r\n \r\n h3 {\r\n font-size: 22px;\r\n }\r\n \r\n section {\r\n padding: 60px 0;\r\n }\r\n \r\n .two-col,\r\n .three-col {\r\n grid-template-columns: 1fr;\r\n gap: 40px;\r\n }\r\n \r\n .comparison-table {\r\n font-size: 14px;\r\n }\r\n \r\n .comparison-table th,\r\n .comparison-table td {\r\n padding: 12px;\r\n }\r\n \r\n .btn {\r\n display: block !important;\r\n margin: 10px 0 !important;\r\n }\r\n \r\n .accordion-header {\r\n padding: 20px;\r\n }\r\n \r\n .accordion-content.active {\r\n padding: 20px;\r\n }\r\n }\r\n <\/style>\r\n<\/head>\r\n<body>\r\n \r\n <section class=\"hero\">\r\n <div class=\"container\">\r\n <h1>Guia Financera Simplificada<\/h1>\r\n <div class=\"hero-intro\">\r\n <p class=\"subtitle\">Com Finan\u00e7ar la teva Casa MOODUL<\/p>\r\n <p>Tot el que necessites saber sobre hipoteques, pr\u00e9stecs i finan\u00e7ament pel teu habitatge modular. Explicat de manera clara, sense tecnicismes innecessaris.<\/p>\r\n <\/div>\r\n <div class=\"image-container\">\r\n <img decoding=\"async\" src=\"https:\/\/www.gessato.com\/wp-content\/uploads\/2019\/05\/connect-homes-minimalist-prefab-house.jpg\" alt=\"Finan\u00e7ament casa modular MOODUL\" class=\"section-image\">\r\n <\/div>\r\n <\/div>\r\n <\/section>\r\n\r\n \r\n <section class=\"bg-light\">\r\n <div class=\"container\">\r\n <h2>Es pot hipotecar un habitatge modular MOODUL?<\/h2>\r\n \r\n <div class=\"highlight-box\">\r\n <h3>Resposta curta: S\u00cd, completament<\/h3>\r\n <p>Els habitatges modulars MOODUL s\u00f3n completament hipotecables perqu\u00e8 compleixen tots els requisits legals, t\u00e8cnics i urban\u00edstics d\u201fun habitatge d\u201fobra nova convencional.<\/p>\r\n <\/div>\r\n \r\n <div class=\"two-col\">\r\n <div>\r\n <h3>Per qu\u00e8 \u00e9s hipotecable?<\/h3>\r\n <ul class=\"styled-list\">\r\n <li>Requereix llic\u00e8ncia d'obra municipal com qualsevol habitatge<\/li>\r\n <li>Es construeix sobre fonamentaci\u00f3 permanent a la teva parcel\u00b7la<\/li>\r\n <li>Compte amb projecte b\u00e0sic i d'execuci\u00f3 signat per arquitectes<\/li>\r\n <li>En finalitzar, s'emet certificat final d'obra<\/li>\r\n <li>Obt\u00e9 c\u00e8dula d'habitabilitat<\/li>\r\n <li>S'inscriu al Registre de la Propietat<\/li>\r\n <\/ul>\r\n <\/div>\r\n \r\n <div>\r\n <div class=\"info-box\">\r\n <h4>El que valoren els bancs<\/h4>\r\n <p>Les entitats financeres valoren positivament diversos aspectes de MOODUL:<\/p>\r\n <ul class=\"styled-list\">\r\n <li>Preu tancat que minimitza sobrecostos<\/li>\r\n <li>Terminis predictibles i curts<\/li>\r\n <li>Alta efici\u00e8ncia energ\u00e8tica (augmenta taxaci\u00f3)<\/li>\r\n <li>Qualitat constructiva superior<\/li>\r\n <li>Garanties LOE completes<\/li>\r\n <\/ul>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/section>\r\n\r\n \r\n <section>\r\n <div class=\"container\">\r\n <h2>Tipus de finan\u00e7ament disponibles<\/h2>\r\n \r\n <div class=\"three-col\">\r\n <div class=\"card\">\r\n <h4>Hipoteca convencional<\/h4>\r\n <p><strong>L'opci\u00f3 m\u00e9s comuna<\/strong><\/p>\r\n <p>Hipoteca est\u00e0ndard per a habitatge habitual o segona resid\u00e8ncia. Permet finan\u00e7ar fins al 80% del valor de taxaci\u00f3.<\/p>\r\n <ul class=\"styled-list\">\r\n <li>Termini: fins a 30 anys<\/li>\r\n <li>Finan\u00e7ament: 80% valor taxaci\u00f3<\/li>\r\n <li>Requisits: Ingressos demostrables<\/li>\r\n <li>Avantatge: Interessos m\u00e9s baixos<\/li>\r\n <\/ul>\r\n <\/div>\r\n \r\n <div class=\"card\">\r\n <h4>Pr\u00e9stec per a construcci\u00f3<\/h4>\r\n <p><strong>Ideal per a autopromotors<\/strong><\/p>\r\n <p>Es desemborsa en fases segons l'aven\u00e7 d'obra. En acabar es converteix en hipoteca convencional.<\/p>\r\n <ul class=\"styled-list\">\r\n <li>Termini obra: 12-24 mesos<\/li>\r\n <li>Desemborsaments per fases<\/li>\r\n <li>Despr\u00e9s: hipoteca 30 anys<\/li>\r\n <li>Avantatge: Nom\u00e9s pagues interessos durant obra<\/li>\r\n <\/ul>\r\n <\/div>\r\n \r\n <div class=\"card\">\r\n <h4>Finan\u00e7ament mixt<\/h4>\r\n <p><strong>Combinant recursos<\/strong><\/p>\r\n <p>Combina estalvis propis, venda d'un altre habitatge i finan\u00e7ament bancari per optimitzar condicions.<\/p>\r\n <ul class=\"styled-list\">\r\n <li>Aportaci\u00f3 pr\u00f2pia: 20-30%<\/li>\r\n <li>Hipoteca: 70-80%<\/li>\r\n <li>Redueix quota mensual<\/li>\r\n <li>Avantatge: Millors condicions<\/li>\r\n <\/ul>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/section>\r\n\r\n \r\n <section class=\"bg-light\">\r\n <div class=\"container\">\r\n <h2>Proc\u00e9s de finan\u00e7ament pas a pas<\/h2>\r\n \r\n <div class=\"card\">\r\n <h3>Fase 1: Avaluaci\u00f3 inicial<\/h3>\r\n <div class=\"list-item\">\r\n <strong>Calcula la teva capacitat d'endeutament:<\/strong> Generalment, la quota hipotec\u00e0ria no ha de superar el 35-40% dels teus ingressos nets mensuals\r\n <\/div>\r\n <div class=\"list-item\">\r\n <strong>Defineix el teu pressupost total:<\/strong> Inclou el preu de la casa MOODUL + parcel\u00b7la (si no en tens) + despeses d'escriptura i notaria\r\n <\/div>\r\n <div class=\"list-item\">\r\n <strong>Determina la teva aportaci\u00f3:<\/strong> Necessitar\u00e0s almenys un 20% del valor de taxaci\u00f3 + despeses (aproximadament 10% addicional)\r\n <\/div>\r\n <\/div>\r\n \r\n <div class=\"card\" style=\"margin-top: 40px;\">\r\n <h3>Fase 2: Sol\u00b7licitud i estudi<\/h3>\r\n <div class=\"list-item\">\r\n <strong>Contacta amb MOODUL:<\/strong> Et proporcionem pressupost tancat i documentaci\u00f3 t\u00e8cnica del projecte\r\n <\/div>\r\n <div class=\"list-item\">\r\n <strong>Demana la hipoteca:<\/strong> Presenta documentaci\u00f3 a una o diverses entitats per comparar ofertes\r\n <\/div>\r\n <div class=\"list-item\">\r\n <strong>Estudi de l'entitat:<\/strong> El banc avalua la teva solv\u00e8ncia i la viabilitat del projecte (15-20 dies)\r\n <\/div>\r\n <div class=\"list-item\">\r\n <strong>Taxaci\u00f3:<\/strong> L'entitat encarrega taxaci\u00f3 oficial de l'habitatge i la parcel\u00b7la\r\n <\/div>\r\n <\/div>\r\n \r\n <div class=\"card\" style=\"margin-top: 40px;\">\r\n <h3>Fase 3: Aprovaci\u00f3 i signatura<\/h3>\r\n <div class=\"list-item\">\r\n <strong>Oferta vinculant:<\/strong> Reps una proposta formal amb condicions definitives (tipus d'inter\u00e8s, termini, quota)\r\n <\/div>\r\n <div class=\"list-item\">\r\n <strong>Signatura del contracte amb MOODUL:<\/strong> Amb el vistiplau del banc, firmes contracte de construcci\u00f3\r\n <\/div>\r\n <div class=\"list-item\">\r\n <strong>Signatura d'escriptura hipotec\u00e0ria:<\/strong> Davant notari, formalitzes la hipoteca\r\n <\/div>\r\n <div class=\"list-item\">\r\n <strong>Desemborsament:<\/strong> El banc transfereix els diners segons calendari pactat\r\n <\/div>\r\n <\/div>\r\n \r\n <div class=\"info-box\" style=\"margin-top: 40px;\">\r\n <h4>Temps total del proc\u00e9s<\/h4>\r\n <p>Des de la sol\u00b7licitud fins al desemborsament: <strong>1-2 mesos<\/strong> en condicions normals. Durant aquest temps, MOODUL pot anar avan\u00e7ant amb el projecte t\u00e8cnic per optimitzar els terminis.<\/p>\r\n <\/div>\r\n <\/div>\r\n <\/section>\r\n\r\n \r\n <section>\r\n <div class=\"container\">\r\n <h2>Entitats financeres que financen cases modulars<\/h2>\r\n \r\n <p>La majoria de bancs i caixes espanyoles financen habitatges modulars MOODUL. Algunes entitats amb experi\u00e8ncia en aquest tipus de projectes:<\/p>\r\n \r\n <div class=\"two-col\">\r\n <div class=\"card\">\r\n <h4>Banca tradicional<\/h4>\r\n <ul class=\"styled-list\">\r\n <li>BBVA \u2013 \u00c0mplia experi\u00e8ncia en construcci\u00f3 modular<\/li>\r\n <li>CaixaBank \u2013 Finan\u00e7ament flexible<\/li>\r\n <li>Santander \u2013 Hipoteques per a autopromotors<\/li>\r\n <li>Sabadell \u2013 Especialitzaci\u00f3 en noves construccions<\/li>\r\n <li>Bankinter \u2013 Condicions competitives<\/li>\r\n <\/ul>\r\n <\/div>\r\n \r\n <div class=\"card\">\r\n <h4>Caixes i cooperatives<\/h4>\r\n <ul class=\"styled-list\">\r\n <li>Cajamar \u2013 Finan\u00e7ament rural i sostenible<\/li>\r\n <li>Kutxabank \u2013 Focus en efici\u00e8ncia energ\u00e8tica<\/li>\r\n <li>Unicaja \u2013 Pres\u00e8ncia regional<\/li>\r\n <li>Ibercaja \u2013 Suport a construcci\u00f3 eficient<\/li>\r\n <li>Laboral Kutxa \u2013 Condicions avantatjoses<\/li>\r\n <\/ul>\r\n <\/div>\r\n <\/div>\r\n \r\n <div class=\"info-box\">\r\n <h4>Consell de MOODUL<\/h4>\r\n <p>Demana ofertes d'almenys 3 entitats diferents. Les condicions poden variar significativament en tipus dinter\u00e8s, comissions i vinculacions. MOODUL et pot proporcionar contactes d'entitats amb qu\u00e8 ja hem treballat amb \u00e8xit.<\/p>\r\n <\/div>\r\n <\/div>\r\n <\/section>\r\n\r\n \r\n <section class=\"bg-light\">\r\n <div class=\"container\">\r\n <h2>Comparativa: Finan\u00e7ament construcci\u00f3 tradicional vs. modular<\/h2>\r\n \r\n <table class=\"comparison-table\">\r\n <thead>\r\n <tr>\r\n <th>Aspecte<\/th>\r\n <th>Construcci\u00f3 Tradicional<\/th>\r\n <th>MOODUL<\/th>\r\n <\/tr>\r\n <\/thead>\r\n <tbody>\r\n <tr>\r\n <td><strong>Tipus de finan\u00e7ament<\/strong><\/td>\r\n <td>Pr\u00e9stec obra + refinan\u00e7ament<\/td>\r\n <td>Pr\u00e9stec obra o hipoteca directa<\/td>\r\n <\/tr>\r\n <tr>\r\n <td><strong>Durada del pr\u00e9stec obra<\/strong><\/td>\r\n <td>18-24 mesos<\/td>\r\n <td>6-9 mesos<\/td>\r\n <\/tr>\r\n <tr>\r\n <td><strong>Desemborsament<\/strong><\/td>\r\n <td>M\u00faltiples, segons certificacions<\/td>\r\n <td>2-3 desemborsaments principals<\/td>\r\n <\/tr>\r\n <tr>\r\n <td><strong>Interessos durant obra<\/strong><\/td>\r\n <td>18-24 mesos d'interessos<\/td>\r\n <td>6-9 mesos d'interessos<\/td>\r\n <\/tr>\r\n <tr>\r\n <td><strong>Risc de sobrecostos<\/strong><\/td>\r\n <td>Alt (necessitat de finan\u00e7ament addicional)<\/td>\r\n <td>Baix (preu tancat)<\/td>\r\n <\/tr>\r\n <tr>\r\n <td><strong>Valoraci\u00f3 banc\u00e0ria<\/strong><\/td>\r\n <td>Variable segons execuci\u00f3<\/td>\r\n <td>M\u00e9s favorable per efici\u00e8ncia energ\u00e8tica<\/td>\r\n <\/tr>\r\n <tr>\r\n <td><strong>Complexitat proc\u00e9s<\/strong><\/td>\r\n <td>Alta (seguiments, certificacions)<\/td>\r\n <td>Mitjana (proc\u00e9s m\u00e9s \u00e0gil)<\/td>\r\n <\/tr>\r\n <\/tbody>\r\n <\/table>\r\n \r\n <div class=\"chart-container\" style=\"max-width: 900px; height: 400px;\">\r\n <canvas id=\"interestChart\"><\/canvas>\r\n <\/div>\r\n <\/div>\r\n <\/section>\r\n\r\n \r\n <section>\r\n <div class=\"container\">\r\n <h2>Documentaci\u00f3 necess\u00e0ria per al finan\u00e7ament<\/h2>\r\n \r\n <div class=\"accordion-item\">\r\n <div class=\"accordion-header\" onclick=\"toggleAccordion(1)\">\r\n <h4>Documentaci\u00f3 personal<\/h4>\r\n <span class=\"accordion-icon\" id=\"icon-1\">+<\/span>\r\n <\/div>\r\n <div class=\"accordion-content\" id=\"content-1\">\r\n <ul class=\"styled-list\">\r\n <li>DNI o NIE en vigor<\/li>\r\n <li>\u00daltima declaraci\u00f3 de la renda (IRPF)<\/li>\r\n <li>N\u00f2mines dels darrers 3-6 mesos<\/li>\r\n <li>Contracte de treball (si \u00e9s per compte d'altri)<\/li>\r\n <li>Model 130 o 303 (si ets aut\u00f2nom)<\/li>\r\n <li>Vida laboral actualitzada<\/li>\r\n <li>Certificat d'estar al corrent amb Hisenda i Seguretat Social<\/li>\r\n <\/ul>\r\n <\/div>\r\n <\/div>\r\n \r\n <div class=\"accordion-item\">\r\n <div class=\"accordion-header\" onclick=\"toggleAccordion(2)\">\r\n <h4>Documentaci\u00f3 del projecte<\/h4>\r\n <span class=\"accordion-icon\" id=\"icon-2\">+<\/span>\r\n <\/div>\r\n <div class=\"accordion-content\" id=\"content-2\">\r\n <ul class=\"styled-list\">\r\n <li>Pressupost tancat de MOODUL<\/li>\r\n <li>Projecte b\u00e0sic i d'execuci\u00f3 visat<\/li>\r\n <li>Llic\u00e8ncia d'obra municipal (o tramitaci\u00f3)<\/li>\r\n <li>Mem\u00f2ria de qualitats<\/li>\r\n <li>Planificaci\u00f3 temporal del projecte<\/li>\r\n <li>Certificaci\u00f3 energ\u00e8tica prevista<\/li>\r\n <\/ul>\r\n <p style=\"margin-top: 20px;\"><em>MOODUL us proporciona tota aquesta documentaci\u00f3 t\u00e8cnica necess\u00e0ria.<\/em><\/p>\r\n <\/div>\r\n <\/div>\r\n \r\n <div class=\"accordion-item\">\r\n <div class=\"accordion-header\" onclick=\"toggleAccordion(3)\">\r\n <h4>Documentaci\u00f3 de la parcel\u00b7la<\/h4>\r\n <span class=\"accordion-icon\" id=\"icon-3\">+<\/span>\r\n <\/div>\r\n <div class=\"accordion-content\" id=\"content-3\">\r\n <ul class=\"styled-list\">\r\n <li>Escriptura de propietat de la parcel\u00b7la<\/li>\r\n <li>Nota simple del Registre de la Propietat<\/li>\r\n <li>Certificat cadastral<\/li>\r\n <li>C\u00e8dula urban\u00edstica de l?ajuntament<\/li>\r\n <li>IBI pagat i al corrent<\/li>\r\n <li>Certificat de c\u00e0rregues (si la parcel\u00b7la t\u00e9 hipoteca)<\/li>\r\n <\/ul>\r\n <\/div>\r\n <\/div>\r\n \r\n <div class=\"accordion-item\">\r\n <div class=\"accordion-header\" onclick=\"toggleAccordion(4)\">\r\n <h4>Altres documents complementaris<\/h4>\r\n <span class=\"accordion-icon\" id=\"icon-4\">+<\/span>\r\n <\/div>\r\n <div class=\"accordion-content\" id=\"content-4\">\r\n <ul class=\"styled-list\">\r\n <li>Extractes bancaris dels darrers 3-6 mesos<\/li>\r\n <li>Justificant de l'estalvi\/aportaci\u00f3 pr\u00f2pia<\/li>\r\n <li>Declaraci\u00f3 d'altres b\u00e9ns i deutes<\/li>\r\n <li>Asseguran\u00e7a de vida (pot ser requisit)<\/li>\r\n <li>Asseguran\u00e7a de la llar (obligat\u00f2ria per a la hipoteca)<\/li>\r\n <\/ul>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/section>\r\n\r\n \r\n <section class=\"bg-light\">\r\n <div class=\"container\">\r\n <h2>Consells pr\u00e0ctics per aconseguir el millor finan\u00e7ament<\/h2>\r\n \r\n <div class=\"two-col\">\r\n <div class=\"card\">\r\n <h4>1. Prepara b\u00e9 el teu perfil financer<\/h4>\r\n <p>Abans de sol\u00b7licitar la hipoteca:<\/p>\r\n <ul class=\"styled-list\">\r\n <li>Redueix deutes existents si \u00e9s possible<\/li>\r\n <li>Mantingues estabilitat laboral<\/li>\r\n <li>Acumula estalvi visible en comptes<\/li>\r\n <li>Evita sol\u00b7licitar altres cr\u00e8dits<\/li>\r\n <\/ul>\r\n <\/div>\r\n \r\n <div class=\"card\">\r\n <h4>2. Compara m\u00faltiples ofertes<\/h4>\r\n <p>No et quedis amb la primera:<\/p>\r\n <ul class=\"styled-list\">\r\n <li>Demana almenys 3 ofertes diferents<\/li>\r\n <li>Compara TAE, no nom\u00e9s tipus d'inter\u00e8s<\/li>\r\n <li>Avalua comissions i vinculacions<\/li>\r\n <li>Negocia les condicions<\/li>\r\n <\/ul>\r\n <\/div>\r\n \r\n <div class=\"card\">\r\n <h4>3. Tingues clara la teva aportaci\u00f3<\/h4>\r\n <p>Planifica els teus recursos:<\/p>\r\n <ul class=\"styled-list\">\r\n <li>M\u00ednim 20% del valor + 10% despeses<\/li>\r\n <li>Major aportaci\u00f3 = millors condicions<\/li>\r\n <li>Considera la venda d'un altre immoble<\/li>\r\n <li>No gastis tot el teu estalvi<\/li>\r\n <\/ul>\r\n <\/div>\r\n \r\n <div class=\"card\">\r\n <h4>4. Ent\u00e9n els costos totals<\/h4>\r\n <p>M\u00e9s enll\u00e0 de la quota mensual:<\/p>\r\n <ul class=\"styled-list\">\r\n <li>Comissi\u00f3 d'obertura (0-1%)<\/li>\r\n <li>Taxaci\u00f3 (300-600\u20ac)<\/li>\r\n <li>Notaria i registre (1.000-2.000\u20ac)<\/li>\r\n <li>Assegurances obligat\u00f2ries anuals<\/li>\r\n <\/ul>\r\n <\/div>\r\n \r\n <div class=\"card\">\r\n <h4>5. Aprofita els avantatges MOODUL<\/h4>\r\n <p>Arguments per al banc:<\/p>\r\n <ul class=\"styled-list\">\r\n <li>Preu tancat sense sorpreses<\/li>\r\n <li>Terminis garantits i curts<\/li>\r\n <li>Certificaci\u00f3 energ\u00e8tica A<\/li>\r\n <li>Menor risc de retards<\/li>\r\n <\/ul>\r\n <\/div>\r\n \r\n <div class=\"card\">\r\n <h4>6. Timing \u00e9s important<\/h4>\r\n <p>Planifica els temps:<\/p>\r\n <ul class=\"styled-list\">\r\n <li>Inicia gesti\u00f3 banc\u00e0ria com m\u00e9s aviat millor<\/li>\r\n <li>Paral\u00b7lelitza tr\u00e0mits amb MOODUL<\/li>\r\n <li>Tingues documentaci\u00f3 llista<\/li>\r\n <li>Considera moment del mercat<\/li>\r\n <\/ul>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/section>\r\n\r\n \r\n <section>\r\n <div class=\"container\">\r\n <div class=\"cta-section\">\r\n <h2>Necessites assessorament personalitzat?<\/h2>\r\n <p style=\"max-width: 600px; margin: 0 auto;\">A MOODUL t'acompanyem en tot el proc\u00e9s de finan\u00e7ament. Comptem amb experi\u00e8ncia treballant amb les principals entitats financeres i et podem orientar per aconseguir les millors condicions.<\/p>\r\n \r\n <div class=\"cta-buttons\">\r\n <a href=\"#\" class=\"btn\" role=\"button\">Sol\u00b7licitar Assessorament<\/a>\r\n <a href=\"#\" class=\"btn btn-outline\" role=\"button\">Descarregar Guia Completa<\/a>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/section>\r\n\r\n <div style=\"height: 80px;\"><\/div>\r\n\r\n <script>\r\n function toggleAccordion(id) {\r\n const content = document.getElementById('content-' + id);\r\n const icon = document.getElementById('icon-' + id);\r\n \r\n if (content.classList.contains('active')) {\r\n content.classList.remove('active');\r\n icon.classList.remove('active');\r\n icon.textContent = '+';\r\n } else {\r\n \/\/ Close all others\r\n document.querySelectorAll('.accordion-content').forEach(c => {\r\n c.classList.remove('active');\r\n });\r\n document.querySelectorAll('.accordion-icon').forEach(i => {\r\n i.classList.remove('active');\r\n i.textContent = '+';\r\n });\r\n \r\n \/\/ Open clicked\r\n content.classList.add('active');\r\n icon.classList.add('active');\r\n icon.textContent = '\u2212';\r\n }\r\n }\r\n\r\n \/\/ Interest comparison chart\r\n window.addEventListener('DOMContentLoaded', () => {\r\n const ctx = document.getElementById('interestChart').getContext('2d');\r\n new Chart(ctx, {\r\n type: 'bar',\r\n data: {\r\n labels: ['Construcci\u00f3n Tradicional', 'Sistema MOODUL'],\r\n datasets: [{\r\n label: 'Intereses pagados durante obra (\u20ac)',\r\n data: [4500, 1800],\r\n backgroundColor: ['rgba(128, 128, 128, 0.6)', 'rgba(84, 89, 95, 0.8)'],\r\n borderColor: ['rgba(128, 128, 128, 1)', 'rgba(84, 89, 95, 1)'],\r\n borderWidth: 1\r\n }]\r\n },\r\n options: {\r\n responsive: true,\r\n maintainAspectRatio: false,\r\n plugins: {\r\n title: {\r\n display: true,\r\n text: 'Ahorro en intereses durante construcci\u00f3n (pr\u00e9stamo 200.000\u20ac)',\r\n font: {\r\n family: 'Roboto',\r\n size: 16,\r\n weight: '400'\r\n },\r\n color: '#54595f'\r\n },\r\n legend: {\r\n display: false\r\n }\r\n },\r\n scales: {\r\n y: {\r\n beginAtZero: true,\r\n ticks: {\r\n callback: function(value) {\r\n return value + '\u20ac';\r\n },\r\n font: {\r\n family: 'Roboto',\r\n weight: '300'\r\n },\r\n color: '#54595f'\r\n },\r\n grid: {\r\n color: '#e0e0e0'\r\n }\r\n },\r\n x: {\r\n ticks: {\r\n font: {\r\n family: 'Roboto',\r\n weight: '300'\r\n },\r\n color: '#54595f'\r\n },\r\n grid: {\r\n display: false\r\n }\r\n }\r\n }\r\n }\r\n });\r\n });\r\n <\/script>\r\n<\/body>\r\n<\/html>","protected":false},"excerpt":{"rendered":"<p>Gu\u00eda Financiera: C\u00f3mo Financiar tu Casa MOODUL Gu\u00eda Financiera Simplificada C\u00f3mo Financiar tu Casa MOODUL Todo lo que necesitas saber sobre hipotecas, pr\u00e9stamos y financiaci\u00f3n para tu vivienda modular. Explicado de forma clara, sin tecnicismos innecesarios. \u00bfSe puede hipotecar una vivienda modular MOODUL? Respuesta corta: S\u00cd, completamente Las viviendas modulares MOODUL son completamente hipotecables porque […]<\/p>","protected":false},"author":4,"featured_media":3573,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[15],"tags":[],"class_list":["post-5330","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-guias"],"acf":[],"_links":{"self":[{"href":"https:\/\/moodul.es\/ca\/wp-json\/wp\/v2\/posts\/5330","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/moodul.es\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/moodul.es\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/moodul.es\/ca\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/moodul.es\/ca\/wp-json\/wp\/v2\/comments?post=5330"}],"version-history":[{"count":3,"href":"https:\/\/moodul.es\/ca\/wp-json\/wp\/v2\/posts\/5330\/revisions"}],"predecessor-version":[{"id":5356,"href":"https:\/\/moodul.es\/ca\/wp-json\/wp\/v2\/posts\/5330\/revisions\/5356"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/moodul.es\/ca\/wp-json\/wp\/v2\/media\/3573"}],"wp:attachment":[{"href":"https:\/\/moodul.es\/ca\/wp-json\/wp\/v2\/media?parent=5330"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/moodul.es\/ca\/wp-json\/wp\/v2\/categories?post=5330"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/moodul.es\/ca\/wp-json\/wp\/v2\/tags?post=5330"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}

{"id":5330,"date":"2025-12-22T22:46:25","date_gmt":"2025-12-22T20:46:25","guid":{"rendered":"https:\/\/moodul.es\/?p=5330"},"modified":"2026-01-26T00:11:07","modified_gmt":"2026-01-25T22:11:07","slug":"financiar-tu-casa-modular","status":"publish","type":"post","link":"https:\/\/moodul.es\/ca\/financar-casa-modular\/","title":{"rendered":"Finan\u00e7ar casa modular"},"content":{"rendered":"\r\n\r\n\r\n \r\n \r\n Guia Financera: Com Finan\u00e7ar la teva Casa MOODUL<\/title>\r\n <link href=\"https:\/\/fonts.googleapis.com\/css2?family=Roboto:wght@300;400;500;700&display=swap\" rel=\"stylesheet\">\r\n <script src=\"https:\/\/cdn.jsdelivr.net\/npm\/chart.js\"><\/script>\r\n <style>\r\n * {\r\n margin: 0;\r\n padding: 0;\r\n box-sizing: border-box;\r\n }\r\n \r\n body {\r\n font-family: 'Roboto', sans-serif;\r\n font-weight: 300;\r\n color: #54595f;\r\n background: #ffffff;\r\n line-height: 1.8;\r\n }\r\n \r\n .container {\r\n max-width: 1200px;\r\n margin: 0 auto;\r\n padding: 0 40px;\r\n }\r\n \r\n section {\r\n padding: 100px 0;\r\n }\r\n \r\n section.bg-light {\r\n background: #fafafa;\r\n }\r\n \r\n \/* Tipograf\u00eda *\/\r\n h1 {\r\n font-size: 64px;\r\n font-weight: 300;\r\n color: #54595f;\r\n margin-bottom: 30px;\r\n line-height: 1.2;\r\n }\r\n \r\n h2 {\r\n font-size: 36px;\r\n font-weight: 500;\r\n color: #54595f;\r\n margin-bottom: 50px;\r\n line-height: 1.2;\r\n }\r\n \r\n h3 {\r\n font-size: 26px;\r\n font-weight: 400;\r\n color: #54595f;\r\n margin-bottom: 25px;\r\n }\r\n \r\n h4 {\r\n font-size: 20px;\r\n font-weight: 400;\r\n color: #54595f;\r\n margin-bottom: 20px;\r\n }\r\n \r\n p {\r\n font-size: 17px;\r\n font-weight: 300;\r\n line-height: 1.8;\r\n margin-bottom: 25px;\r\n }\r\n \r\n .subtitle {\r\n font-size: 24px;\r\n font-weight: 300;\r\n color: #54595f;\r\n margin-bottom: 50px;\r\n opacity: 0.8;\r\n }\r\n \r\n \/* Hero *\/\r\n .hero {\r\n text-align: center;\r\n padding-top: 0px;\r\n padding-bottom: 80px;\r\n }\r\n \r\n .hero-intro {\r\n 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}\r\n \r\n \/* CTA Section *\/\r\n .cta-section {\r\n text-align: center;\r\n padding: 80px 60px;\r\n background: #fafafa;\r\n border: 1px solid #e0e0e0;\r\n margin: 0 auto;\r\n max-width: 900px;\r\n }\r\n \r\n .cta-buttons {\r\n margin-top: 40px;\r\n }\r\n \r\n \/* Responsive *\/\r\n @media (max-width: 768px) {\r\n .container {\r\n padding: 0 20px;\r\n }\r\n \r\n h1 {\r\n font-size: 42px;\r\n }\r\n \r\n h2 {\r\n font-size: 32px;\r\n }\r\n \r\n h3 {\r\n font-size: 22px;\r\n }\r\n \r\n section {\r\n padding: 60px 0;\r\n }\r\n \r\n .two-col,\r\n .three-col {\r\n grid-template-columns: 1fr;\r\n gap: 40px;\r\n }\r\n \r\n .comparison-table {\r\n font-size: 14px;\r\n }\r\n \r\n .comparison-table th,\r\n .comparison-table td {\r\n padding: 12px;\r\n }\r\n \r\n .btn {\r\n display: block !important;\r\n margin: 10px 0 !important;\r\n }\r\n \r\n .accordion-header {\r\n padding: 20px;\r\n }\r\n \r\n .accordion-content.active {\r\n padding: 20px;\r\n }\r\n }\r\n <\/style>\r\n<\/head>\r\n<body>\r\n \r\n <section class=\"hero\">\r\n <div class=\"container\">\r\n <h1>Guia Financera Simplificada<\/h1>\r\n <div class=\"hero-intro\">\r\n <p class=\"subtitle\">Com Finan\u00e7ar la teva Casa MOODUL<\/p>\r\n <p>Tot el que necessites saber sobre hipoteques, pr\u00e9stecs i finan\u00e7ament pel teu habitatge modular. Explicat de manera clara, sense tecnicismes innecessaris.<\/p>\r\n <\/div>\r\n <div class=\"image-container\">\r\n <img decoding=\"async\" src=\"https:\/\/www.gessato.com\/wp-content\/uploads\/2019\/05\/connect-homes-minimalist-prefab-house.jpg\" alt=\"Finan\u00e7ament casa modular MOODUL\" class=\"section-image\">\r\n <\/div>\r\n <\/div>\r\n <\/section>\r\n\r\n \r\n <section class=\"bg-light\">\r\n <div class=\"container\">\r\n <h2>Es pot hipotecar un habitatge modular MOODUL?<\/h2>\r\n \r\n <div class=\"highlight-box\">\r\n <h3>Resposta curta: S\u00cd, completament<\/h3>\r\n <p>Els habitatges modulars MOODUL s\u00f3n completament hipotecables perqu\u00e8 compleixen tots els requisits legals, t\u00e8cnics i urban\u00edstics d\u201fun habitatge d\u201fobra nova convencional.<\/p>\r\n <\/div>\r\n \r\n <div class=\"two-col\">\r\n <div>\r\n <h3>Per qu\u00e8 \u00e9s hipotecable?<\/h3>\r\n <ul class=\"styled-list\">\r\n <li>Requereix llic\u00e8ncia d'obra municipal com qualsevol habitatge<\/li>\r\n <li>Es construeix sobre fonamentaci\u00f3 permanent a la teva parcel\u00b7la<\/li>\r\n <li>Compte amb projecte b\u00e0sic i d'execuci\u00f3 signat per arquitectes<\/li>\r\n <li>En finalitzar, s'emet certificat final d'obra<\/li>\r\n <li>Obt\u00e9 c\u00e8dula d'habitabilitat<\/li>\r\n <li>S'inscriu al Registre de la Propietat<\/li>\r\n <\/ul>\r\n <\/div>\r\n \r\n <div>\r\n <div class=\"info-box\">\r\n <h4>El que valoren els bancs<\/h4>\r\n <p>Les entitats financeres valoren positivament diversos aspectes de MOODUL:<\/p>\r\n <ul class=\"styled-list\">\r\n <li>Preu tancat que minimitza sobrecostos<\/li>\r\n <li>Terminis predictibles i curts<\/li>\r\n <li>Alta efici\u00e8ncia energ\u00e8tica (augmenta taxaci\u00f3)<\/li>\r\n <li>Qualitat constructiva superior<\/li>\r\n <li>Garanties LOE completes<\/li>\r\n <\/ul>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/section>\r\n\r\n \r\n <section>\r\n <div class=\"container\">\r\n <h2>Tipus de finan\u00e7ament disponibles<\/h2>\r\n \r\n <div class=\"three-col\">\r\n <div class=\"card\">\r\n <h4>Hipoteca convencional<\/h4>\r\n <p><strong>L'opci\u00f3 m\u00e9s comuna<\/strong><\/p>\r\n <p>Hipoteca est\u00e0ndard per a habitatge habitual o segona resid\u00e8ncia. Permet finan\u00e7ar fins al 80% del valor de taxaci\u00f3.<\/p>\r\n <ul class=\"styled-list\">\r\n <li>Termini: fins a 30 anys<\/li>\r\n <li>Finan\u00e7ament: 80% valor taxaci\u00f3<\/li>\r\n <li>Requisits: Ingressos demostrables<\/li>\r\n <li>Avantatge: Interessos m\u00e9s baixos<\/li>\r\n <\/ul>\r\n <\/div>\r\n \r\n <div class=\"card\">\r\n <h4>Pr\u00e9stec per a construcci\u00f3<\/h4>\r\n <p><strong>Ideal per a autopromotors<\/strong><\/p>\r\n <p>Es desemborsa en fases segons l'aven\u00e7 d'obra. En acabar es converteix en hipoteca convencional.<\/p>\r\n <ul class=\"styled-list\">\r\n <li>Termini obra: 12-24 mesos<\/li>\r\n <li>Desemborsaments per fases<\/li>\r\n <li>Despr\u00e9s: hipoteca 30 anys<\/li>\r\n <li>Avantatge: Nom\u00e9s pagues interessos durant obra<\/li>\r\n <\/ul>\r\n <\/div>\r\n \r\n <div class=\"card\">\r\n <h4>Finan\u00e7ament mixt<\/h4>\r\n <p><strong>Combinant recursos<\/strong><\/p>\r\n <p>Combina estalvis propis, venda d'un altre habitatge i finan\u00e7ament bancari per optimitzar condicions.<\/p>\r\n <ul class=\"styled-list\">\r\n <li>Aportaci\u00f3 pr\u00f2pia: 20-30%<\/li>\r\n <li>Hipoteca: 70-80%<\/li>\r\n <li>Redueix quota mensual<\/li>\r\n <li>Avantatge: Millors condicions<\/li>\r\n <\/ul>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/section>\r\n\r\n \r\n <section class=\"bg-light\">\r\n <div class=\"container\">\r\n <h2>Proc\u00e9s de finan\u00e7ament pas a pas<\/h2>\r\n \r\n <div class=\"card\">\r\n <h3>Fase 1: Avaluaci\u00f3 inicial<\/h3>\r\n <div class=\"list-item\">\r\n <strong>Calcula la teva capacitat d'endeutament:<\/strong> Generalment, la quota hipotec\u00e0ria no ha de superar el 35-40% dels teus ingressos nets mensuals\r\n <\/div>\r\n <div class=\"list-item\">\r\n <strong>Defineix el teu pressupost total:<\/strong> Inclou el preu de la casa MOODUL + parcel\u00b7la (si no en tens) + despeses d'escriptura i notaria\r\n <\/div>\r\n <div class=\"list-item\">\r\n <strong>Determina la teva aportaci\u00f3:<\/strong> Necessitar\u00e0s almenys un 20% del valor de taxaci\u00f3 + despeses (aproximadament 10% addicional)\r\n <\/div>\r\n <\/div>\r\n \r\n <div class=\"card\" style=\"margin-top: 40px;\">\r\n <h3>Fase 2: Sol\u00b7licitud i estudi<\/h3>\r\n <div class=\"list-item\">\r\n <strong>Contacta amb MOODUL:<\/strong> Et proporcionem pressupost tancat i documentaci\u00f3 t\u00e8cnica del projecte\r\n <\/div>\r\n <div class=\"list-item\">\r\n <strong>Demana la hipoteca:<\/strong> Presenta documentaci\u00f3 a una o diverses entitats per comparar ofertes\r\n <\/div>\r\n <div class=\"list-item\">\r\n <strong>Estudi de l'entitat:<\/strong> El banc avalua la teva solv\u00e8ncia i la viabilitat del projecte (15-20 dies)\r\n <\/div>\r\n <div class=\"list-item\">\r\n <strong>Taxaci\u00f3:<\/strong> L'entitat encarrega taxaci\u00f3 oficial de l'habitatge i la parcel\u00b7la\r\n <\/div>\r\n <\/div>\r\n \r\n <div class=\"card\" style=\"margin-top: 40px;\">\r\n <h3>Fase 3: Aprovaci\u00f3 i signatura<\/h3>\r\n <div class=\"list-item\">\r\n <strong>Oferta vinculant:<\/strong> Reps una proposta formal amb condicions definitives (tipus d'inter\u00e8s, termini, quota)\r\n <\/div>\r\n <div class=\"list-item\">\r\n <strong>Signatura del contracte amb MOODUL:<\/strong> Amb el vistiplau del banc, firmes contracte de construcci\u00f3\r\n <\/div>\r\n <div class=\"list-item\">\r\n <strong>Signatura d'escriptura hipotec\u00e0ria:<\/strong> Davant notari, formalitzes la hipoteca\r\n <\/div>\r\n <div class=\"list-item\">\r\n <strong>Desemborsament:<\/strong> El banc transfereix els diners segons calendari pactat\r\n <\/div>\r\n <\/div>\r\n \r\n <div class=\"info-box\" style=\"margin-top: 40px;\">\r\n <h4>Temps total del proc\u00e9s<\/h4>\r\n <p>Des de la sol\u00b7licitud fins al desemborsament: <strong>1-2 mesos<\/strong> en condicions normals. Durant aquest temps, MOODUL pot anar avan\u00e7ant amb el projecte t\u00e8cnic per optimitzar els terminis.<\/p>\r\n <\/div>\r\n <\/div>\r\n <\/section>\r\n\r\n \r\n <section>\r\n <div class=\"container\">\r\n <h2>Entitats financeres que financen cases modulars<\/h2>\r\n \r\n <p>La majoria de bancs i caixes espanyoles financen habitatges modulars MOODUL. Algunes entitats amb experi\u00e8ncia en aquest tipus de projectes:<\/p>\r\n \r\n <div class=\"two-col\">\r\n <div class=\"card\">\r\n <h4>Banca tradicional<\/h4>\r\n <ul class=\"styled-list\">\r\n <li>BBVA \u2013 \u00c0mplia experi\u00e8ncia en construcci\u00f3 modular<\/li>\r\n <li>CaixaBank \u2013 Finan\u00e7ament flexible<\/li>\r\n <li>Santander \u2013 Hipoteques per a autopromotors<\/li>\r\n <li>Sabadell \u2013 Especialitzaci\u00f3 en noves construccions<\/li>\r\n <li>Bankinter \u2013 Condicions competitives<\/li>\r\n <\/ul>\r\n <\/div>\r\n \r\n <div class=\"card\">\r\n <h4>Caixes i cooperatives<\/h4>\r\n <ul class=\"styled-list\">\r\n <li>Cajamar \u2013 Finan\u00e7ament rural i sostenible<\/li>\r\n <li>Kutxabank \u2013 Focus en efici\u00e8ncia energ\u00e8tica<\/li>\r\n <li>Unicaja \u2013 Pres\u00e8ncia regional<\/li>\r\n <li>Ibercaja \u2013 Suport a construcci\u00f3 eficient<\/li>\r\n <li>Laboral Kutxa \u2013 Condicions avantatjoses<\/li>\r\n <\/ul>\r\n <\/div>\r\n <\/div>\r\n \r\n <div class=\"info-box\">\r\n <h4>Consell de MOODUL<\/h4>\r\n <p>Demana ofertes d'almenys 3 entitats diferents. Les condicions poden variar significativament en tipus dinter\u00e8s, comissions i vinculacions. MOODUL et pot proporcionar contactes d'entitats amb qu\u00e8 ja hem treballat amb \u00e8xit.<\/p>\r\n <\/div>\r\n <\/div>\r\n <\/section>\r\n\r\n \r\n <section class=\"bg-light\">\r\n <div class=\"container\">\r\n <h2>Comparativa: Finan\u00e7ament construcci\u00f3 tradicional vs. modular<\/h2>\r\n \r\n <table class=\"comparison-table\">\r\n <thead>\r\n <tr>\r\n <th>Aspecte<\/th>\r\n <th>Construcci\u00f3 Tradicional<\/th>\r\n <th>MOODUL<\/th>\r\n <\/tr>\r\n <\/thead>\r\n <tbody>\r\n <tr>\r\n <td><strong>Tipus de finan\u00e7ament<\/strong><\/td>\r\n <td>Pr\u00e9stec obra + refinan\u00e7ament<\/td>\r\n <td>Pr\u00e9stec obra o hipoteca directa<\/td>\r\n <\/tr>\r\n <tr>\r\n <td><strong>Durada del pr\u00e9stec obra<\/strong><\/td>\r\n <td>18-24 mesos<\/td>\r\n <td>6-9 mesos<\/td>\r\n <\/tr>\r\n <tr>\r\n <td><strong>Desemborsament<\/strong><\/td>\r\n <td>M\u00faltiples, segons certificacions<\/td>\r\n <td>2-3 desemborsaments principals<\/td>\r\n <\/tr>\r\n <tr>\r\n <td><strong>Interessos durant obra<\/strong><\/td>\r\n <td>18-24 mesos d'interessos<\/td>\r\n <td>6-9 mesos d'interessos<\/td>\r\n <\/tr>\r\n <tr>\r\n <td><strong>Risc de sobrecostos<\/strong><\/td>\r\n <td>Alt (necessitat de finan\u00e7ament addicional)<\/td>\r\n <td>Baix (preu tancat)<\/td>\r\n <\/tr>\r\n <tr>\r\n <td><strong>Valoraci\u00f3 banc\u00e0ria<\/strong><\/td>\r\n <td>Variable segons execuci\u00f3<\/td>\r\n <td>M\u00e9s favorable per efici\u00e8ncia energ\u00e8tica<\/td>\r\n <\/tr>\r\n <tr>\r\n <td><strong>Complexitat proc\u00e9s<\/strong><\/td>\r\n <td>Alta (seguiments, certificacions)<\/td>\r\n <td>Mitjana (proc\u00e9s m\u00e9s \u00e0gil)<\/td>\r\n <\/tr>\r\n <\/tbody>\r\n <\/table>\r\n \r\n <div class=\"chart-container\" style=\"max-width: 900px; height: 400px;\">\r\n <canvas id=\"interestChart\"><\/canvas>\r\n <\/div>\r\n <\/div>\r\n <\/section>\r\n\r\n \r\n <section>\r\n <div class=\"container\">\r\n <h2>Documentaci\u00f3 necess\u00e0ria per al finan\u00e7ament<\/h2>\r\n \r\n <div class=\"accordion-item\">\r\n <div class=\"accordion-header\" onclick=\"toggleAccordion(1)\">\r\n <h4>Documentaci\u00f3 personal<\/h4>\r\n <span class=\"accordion-icon\" id=\"icon-1\">+<\/span>\r\n <\/div>\r\n <div class=\"accordion-content\" id=\"content-1\">\r\n <ul class=\"styled-list\">\r\n <li>DNI o NIE en vigor<\/li>\r\n <li>\u00daltima declaraci\u00f3 de la renda (IRPF)<\/li>\r\n <li>N\u00f2mines dels darrers 3-6 mesos<\/li>\r\n <li>Contracte de treball (si \u00e9s per compte d'altri)<\/li>\r\n <li>Model 130 o 303 (si ets aut\u00f2nom)<\/li>\r\n <li>Vida laboral actualitzada<\/li>\r\n <li>Certificat d'estar al corrent amb Hisenda i Seguretat Social<\/li>\r\n <\/ul>\r\n <\/div>\r\n <\/div>\r\n \r\n <div class=\"accordion-item\">\r\n <div class=\"accordion-header\" onclick=\"toggleAccordion(2)\">\r\n <h4>Documentaci\u00f3 del projecte<\/h4>\r\n <span class=\"accordion-icon\" id=\"icon-2\">+<\/span>\r\n <\/div>\r\n <div class=\"accordion-content\" id=\"content-2\">\r\n <ul class=\"styled-list\">\r\n <li>Pressupost tancat de MOODUL<\/li>\r\n <li>Projecte b\u00e0sic i d'execuci\u00f3 visat<\/li>\r\n <li>Llic\u00e8ncia d'obra municipal (o tramitaci\u00f3)<\/li>\r\n <li>Mem\u00f2ria de qualitats<\/li>\r\n <li>Planificaci\u00f3 temporal del projecte<\/li>\r\n <li>Certificaci\u00f3 energ\u00e8tica prevista<\/li>\r\n <\/ul>\r\n <p style=\"margin-top: 20px;\"><em>MOODUL us proporciona tota aquesta documentaci\u00f3 t\u00e8cnica necess\u00e0ria.<\/em><\/p>\r\n <\/div>\r\n <\/div>\r\n \r\n <div class=\"accordion-item\">\r\n <div class=\"accordion-header\" onclick=\"toggleAccordion(3)\">\r\n <h4>Documentaci\u00f3 de la parcel\u00b7la<\/h4>\r\n <span class=\"accordion-icon\" id=\"icon-3\">+<\/span>\r\n <\/div>\r\n <div class=\"accordion-content\" id=\"content-3\">\r\n <ul class=\"styled-list\">\r\n <li>Escriptura de propietat de la parcel\u00b7la<\/li>\r\n <li>Nota simple del Registre de la Propietat<\/li>\r\n <li>Certificat cadastral<\/li>\r\n <li>C\u00e8dula urban\u00edstica de l?ajuntament<\/li>\r\n <li>IBI pagat i al corrent<\/li>\r\n <li>Certificat de c\u00e0rregues (si la parcel\u00b7la t\u00e9 hipoteca)<\/li>\r\n <\/ul>\r\n <\/div>\r\n <\/div>\r\n \r\n <div class=\"accordion-item\">\r\n <div class=\"accordion-header\" onclick=\"toggleAccordion(4)\">\r\n <h4>Altres documents complementaris<\/h4>\r\n <span class=\"accordion-icon\" id=\"icon-4\">+<\/span>\r\n <\/div>\r\n <div class=\"accordion-content\" id=\"content-4\">\r\n <ul class=\"styled-list\">\r\n <li>Extractes bancaris dels darrers 3-6 mesos<\/li>\r\n <li>Justificant de l'estalvi\/aportaci\u00f3 pr\u00f2pia<\/li>\r\n <li>Declaraci\u00f3 d'altres b\u00e9ns i deutes<\/li>\r\n <li>Asseguran\u00e7a de vida (pot ser requisit)<\/li>\r\n <li>Asseguran\u00e7a de la llar (obligat\u00f2ria per a la hipoteca)<\/li>\r\n <\/ul>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/section>\r\n\r\n \r\n <section class=\"bg-light\">\r\n <div class=\"container\">\r\n <h2>Consells pr\u00e0ctics per aconseguir el millor finan\u00e7ament<\/h2>\r\n \r\n <div class=\"two-col\">\r\n <div class=\"card\">\r\n <h4>1. Prepara b\u00e9 el teu perfil financer<\/h4>\r\n <p>Abans de sol\u00b7licitar la hipoteca:<\/p>\r\n <ul class=\"styled-list\">\r\n <li>Redueix deutes existents si \u00e9s possible<\/li>\r\n <li>Mantingues estabilitat laboral<\/li>\r\n <li>Acumula estalvi visible en comptes<\/li>\r\n <li>Evita sol\u00b7licitar altres cr\u00e8dits<\/li>\r\n <\/ul>\r\n <\/div>\r\n \r\n <div class=\"card\">\r\n <h4>2. Compara m\u00faltiples ofertes<\/h4>\r\n <p>No et quedis amb la primera:<\/p>\r\n <ul class=\"styled-list\">\r\n <li>Demana almenys 3 ofertes diferents<\/li>\r\n <li>Compara TAE, no nom\u00e9s tipus d'inter\u00e8s<\/li>\r\n <li>Avalua comissions i vinculacions<\/li>\r\n <li>Negocia les condicions<\/li>\r\n <\/ul>\r\n <\/div>\r\n \r\n <div class=\"card\">\r\n <h4>3. Tingues clara la teva aportaci\u00f3<\/h4>\r\n <p>Planifica els teus recursos:<\/p>\r\n <ul class=\"styled-list\">\r\n <li>M\u00ednim 20% del valor + 10% despeses<\/li>\r\n <li>Major aportaci\u00f3 = millors condicions<\/li>\r\n <li>Considera la venda d'un altre immoble<\/li>\r\n <li>No gastis tot el teu estalvi<\/li>\r\n <\/ul>\r\n <\/div>\r\n \r\n <div class=\"card\">\r\n <h4>4. Ent\u00e9n els costos totals<\/h4>\r\n <p>M\u00e9s enll\u00e0 de la quota mensual:<\/p>\r\n <ul class=\"styled-list\">\r\n <li>Comissi\u00f3 d'obertura (0-1%)<\/li>\r\n <li>Taxaci\u00f3 (300-600\u20ac)<\/li>\r\n <li>Notaria i registre (1.000-2.000\u20ac)<\/li>\r\n <li>Assegurances obligat\u00f2ries anuals<\/li>\r\n <\/ul>\r\n <\/div>\r\n \r\n <div class=\"card\">\r\n <h4>5. Aprofita els avantatges MOODUL<\/h4>\r\n <p>Arguments per al banc:<\/p>\r\n <ul class=\"styled-list\">\r\n <li>Preu tancat sense sorpreses<\/li>\r\n <li>Terminis garantits i curts<\/li>\r\n <li>Certificaci\u00f3 energ\u00e8tica A<\/li>\r\n <li>Menor risc de retards<\/li>\r\n <\/ul>\r\n <\/div>\r\n \r\n <div class=\"card\">\r\n <h4>6. Timing \u00e9s important<\/h4>\r\n <p>Planifica els temps:<\/p>\r\n <ul class=\"styled-list\">\r\n <li>Inicia gesti\u00f3 banc\u00e0ria com m\u00e9s aviat millor<\/li>\r\n <li>Paral\u00b7lelitza tr\u00e0mits amb MOODUL<\/li>\r\n <li>Tingues documentaci\u00f3 llista<\/li>\r\n <li>Considera moment del mercat<\/li>\r\n <\/ul>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/section>\r\n\r\n \r\n <section>\r\n <div class=\"container\">\r\n <div class=\"cta-section\">\r\n <h2>Necessites assessorament personalitzat?<\/h2>\r\n <p style=\"max-width: 600px; margin: 0 auto;\">A MOODUL t'acompanyem en tot el proc\u00e9s de finan\u00e7ament. Comptem amb experi\u00e8ncia treballant amb les principals entitats financeres i et podem orientar per aconseguir les millors condicions.<\/p>\r\n \r\n <div class=\"cta-buttons\">\r\n <a href=\"#\" class=\"btn\" role=\"button\">Sol\u00b7licitar Assessorament<\/a>\r\n <a href=\"#\" class=\"btn btn-outline\" role=\"button\">Descarregar Guia Completa<\/a>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/section>\r\n\r\n <div style=\"height: 80px;\"><\/div>\r\n\r\n <script>\r\n function toggleAccordion(id) {\r\n const content = document.getElementById('content-' + id);\r\n const icon = document.getElementById('icon-' + id);\r\n \r\n if (content.classList.contains('active')) {\r\n content.classList.remove('active');\r\n icon.classList.remove('active');\r\n icon.textContent = '+';\r\n } else {\r\n \/\/ Close all others\r\n document.querySelectorAll('.accordion-content').forEach(c => {\r\n c.classList.remove('active');\r\n });\r\n document.querySelectorAll('.accordion-icon').forEach(i => {\r\n i.classList.remove('active');\r\n i.textContent = '+';\r\n });\r\n \r\n \/\/ Open clicked\r\n content.classList.add('active');\r\n icon.classList.add('active');\r\n icon.textContent = '\u2212';\r\n }\r\n }\r\n\r\n \/\/ Interest comparison chart\r\n window.addEventListener('DOMContentLoaded', () => {\r\n const ctx = document.getElementById('interestChart').getContext('2d');\r\n new Chart(ctx, {\r\n type: 'bar',\r\n data: {\r\n labels: ['Construcci\u00f3n Tradicional', 'Sistema MOODUL'],\r\n datasets: [{\r\n label: 'Intereses pagados durante obra (\u20ac)',\r\n data: [4500, 1800],\r\n backgroundColor: ['rgba(128, 128, 128, 0.6)', 'rgba(84, 89, 95, 0.8)'],\r\n borderColor: ['rgba(128, 128, 128, 1)', 'rgba(84, 89, 95, 1)'],\r\n borderWidth: 1\r\n }]\r\n },\r\n options: {\r\n responsive: true,\r\n maintainAspectRatio: false,\r\n plugins: {\r\n title: {\r\n display: true,\r\n text: 'Ahorro en intereses durante construcci\u00f3n (pr\u00e9stamo 200.000\u20ac)',\r\n font: {\r\n family: 'Roboto',\r\n size: 16,\r\n weight: '400'\r\n },\r\n color: '#54595f'\r\n },\r\n legend: {\r\n display: false\r\n }\r\n },\r\n scales: {\r\n y: {\r\n beginAtZero: true,\r\n ticks: {\r\n callback: function(value) {\r\n return value + '\u20ac';\r\n },\r\n font: {\r\n family: 'Roboto',\r\n weight: '300'\r\n },\r\n color: '#54595f'\r\n },\r\n grid: {\r\n color: '#e0e0e0'\r\n }\r\n },\r\n x: {\r\n ticks: {\r\n font: {\r\n family: 'Roboto',\r\n weight: '300'\r\n },\r\n color: '#54595f'\r\n },\r\n grid: {\r\n display: false\r\n }\r\n }\r\n }\r\n }\r\n });\r\n });\r\n <\/script>\r\n<\/body>\r\n<\/html>","protected":false},"excerpt":{"rendered":"<p>Gu\u00eda Financiera: C\u00f3mo Financiar tu Casa MOODUL Gu\u00eda Financiera Simplificada C\u00f3mo Financiar tu Casa MOODUL Todo lo que necesitas saber sobre hipotecas, pr\u00e9stamos y financiaci\u00f3n para tu vivienda modular. Explicado de forma clara, sin tecnicismos innecesarios. \u00bfSe puede hipotecar una vivienda modular MOODUL? Respuesta corta: S\u00cd, completamente Las viviendas modulares MOODUL son completamente hipotecables porque […]<\/p>","protected":false},"author":4,"featured_media":3573,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[15],"tags":[],"class_list":["post-5330","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-guias"],"acf":[],"_links":{"self":[{"href":"https:\/\/moodul.es\/ca\/wp-json\/wp\/v2\/posts\/5330","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/moodul.es\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/moodul.es\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/moodul.es\/ca\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/moodul.es\/ca\/wp-json\/wp\/v2\/comments?post=5330"}],"version-history":[{"count":3,"href":"https:\/\/moodul.es\/ca\/wp-json\/wp\/v2\/posts\/5330\/revisions"}],"predecessor-version":[{"id":5356,"href":"https:\/\/moodul.es\/ca\/wp-json\/wp\/v2\/posts\/5330\/revisions\/5356"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/moodul.es\/ca\/wp-json\/wp\/v2\/media\/3573"}],"wp:attachment":[{"href":"https:\/\/moodul.es\/ca\/wp-json\/wp\/v2\/media?parent=5330"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/moodul.es\/ca\/wp-json\/wp\/v2\/categories?post=5330"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/moodul.es\/ca\/wp-json\/wp\/v2\/tags?post=5330"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}