Financial Guide: How to Finance Your Home 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>Simplified Financial Guide<\/h1>\r\n <div class=\"hero-intro\">\r\n <p class=\"subtitle\">How to Finance Your Home MOODUL<\/p>\r\n <p>Everything you need to know about mortgages, loans, and financing for your modular home. Explained clearly, without unnecessary technical jargon.<\/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=\"MOODUL modular home financing\" 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>Can a MOODUL modular home be mortgaged?<\/h2>\r\n \r\n <div class=\"highlight-box\">\r\n <h3>Short answer: YES, absolutely<\/h3>\r\n <p>MOODUL modular homes are fully mortgageable because they meet all the legal, technical and urban planning requirements of a conventional new construction home.<\/p>\r\n <\/div>\r\n \r\n <div class=\"two-col\">\r\n <div>\r\n <h3>Why is it mortgageable?<\/h3>\r\n <ul class=\"styled-list\">\r\n <li>It requires a municipal building permit, just like any other dwelling.<\/li>\r\n <li>It is built on a permanent foundation on your plot<\/li>\r\n <li>It has a basic and execution project signed by architects<\/li>\r\n <li>Upon completion, a final work certificate is issued.<\/li>\r\n <li>Obtains a certificate of occupancy<\/li>\r\n <li>It is registered in the Property Registry<\/li>\r\n <\/ul>\r\n <\/div>\r\n \r\n <div>\r\n <div class=\"info-box\">\r\n <h4>What banks value<\/h4>\r\n <p>Financial institutions value several aspects of MOODUL positively:<\/p>\r\n <ul class=\"styled-list\">\r\n <li>Fixed price that minimizes additional costs<\/li>\r\n <li>Predictable and short deadlines<\/li>\r\n <li>High energy efficiency (increases valuation)<\/li>\r\n <li>Superior build quality<\/li>\r\n <li>Full LOE guarantees<\/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>Types of financing available<\/h2>\r\n \r\n <div class=\"three-col\">\r\n <div class=\"card\">\r\n <h4>Conventional mortgage<\/h4>\r\n <p><strong>The most common option<\/strong><\/p>\r\n <p>Standard mortgage for primary or secondary residence. Allows financing up to 801% of the appraised value.<\/p>\r\n <ul class=\"styled-list\">\r\n <li>Term: up to 30 years<\/li>\r\n <li>Financing: 80% appraisal value<\/li>\r\n <li>Requirements: Verifiable income<\/li>\r\n <li>Advantage: Lower interest rates<\/li>\r\n <\/ul>\r\n <\/div>\r\n \r\n <div class=\"card\">\r\n <h4>Construction loan<\/h4>\r\n <p><strong>Ideal for self-builders<\/strong><\/p>\r\n <p>It is disbursed in phases according to the progress of the work. Upon completion, it becomes a conventional mortgage.<\/p>\r\n <ul class=\"styled-list\">\r\n <li>Construction period: 12-24 months<\/li>\r\n <li>Phased disbursements<\/li>\r\n <li>Then: 30-year mortgage<\/li>\r\n <li>Advantage: You only pay interest during construction.<\/li>\r\n <\/ul>\r\n <\/div>\r\n \r\n <div class=\"card\">\r\n <h4>Mixed financing<\/h4>\r\n <p><strong>Combining resources<\/strong><\/p>\r\n <p>Combine your own savings, the sale of another home, and bank financing to optimize conditions.<\/p>\r\n <ul class=\"styled-list\">\r\n <li>Own contribution: 20-30%<\/li>\r\n <li>Mortgage: 70-80%<\/li>\r\n <li>Reduce your monthly payment<\/li>\r\n <li>Advantage: Better conditions<\/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>Step-by-step financing process<\/h2>\r\n \r\n <div class=\"card\">\r\n <h3>Phase 1: Initial Assessment<\/h3>\r\n <div class=\"list-item\">\r\n <strong>Calculate your borrowing capacity:<\/strong> Generally, your mortgage payment should not exceed 35-401% of your net monthly income\r\n <\/div>\r\n <div class=\"list-item\">\r\n <strong>Define your total budget:<\/strong> Includes the price of the MOODUL house + plot (if you don't already own one) + deed and notary fees\r\n <\/div>\r\n <div class=\"list-item\">\r\n <strong>Determine your contribution:<\/strong> You will need at least 20% of the appraised value + expenses (approximately an additional 10%)\r\n <\/div>\r\n <\/div>\r\n \r\n <div class=\"card\" style=\"margin-top: 40px;\">\r\n <h3>Phase 2: Application and study<\/h3>\r\n <div class=\"list-item\">\r\n <strong>Contact MOODUL:<\/strong> We provide you with a fixed price quote and technical documentation for the project.\r\n <\/div>\r\n <div class=\"list-item\">\r\n <strong>Apply for a mortgage:<\/strong> Submit documentation to one or more entities to compare offers\r\n <\/div>\r\n <div class=\"list-item\">\r\n <strong>Study of the entity:<\/strong> The bank assesses your creditworthiness and the viability of the project (15-20 days)\r\n <\/div>\r\n <div class=\"list-item\">\r\n <strong>Appraisal:<\/strong> The entity commissions an official appraisal of the house and plot of land.\r\n <\/div>\r\n <\/div>\r\n \r\n <div class=\"card\" style=\"margin-top: 40px;\">\r\n <h3>Phase 3: Approval and signature<\/h3>\r\n <div class=\"list-item\">\r\n <strong>Binding offer:<\/strong> You receive a formal proposal with definitive conditions (interest rate, term, installment)\r\n <\/div>\r\n <div class=\"list-item\">\r\n <strong>Signing the contract with MOODUL:<\/strong> With the bank's approval, you sign the construction contract\r\n <\/div>\r\n <div class=\"list-item\">\r\n <strong>Signing of mortgage deed:<\/strong> You formalize the mortgage before a notary.\r\n <\/div>\r\n <div class=\"list-item\">\r\n <strong>Disbursement:<\/strong> The bank transfers the money according to the agreed schedule.\r\n <\/div>\r\n <\/div>\r\n \r\n <div class=\"info-box\" style=\"margin-top: 40px;\">\r\n <h4>Total process time<\/h4>\r\n <p>From application to disbursement: <strong>1-2 months<\/strong> Under normal conditions. During this time, MOODUL can continue to advance with the technical project to optimize deadlines.<\/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>Financial institutions that finance modular homes<\/h2>\r\n \r\n <p>Most Spanish banks and savings banks finance MOODUL modular homes. Some institutions with experience in this type of project include:<\/p>\r\n \r\n <div class=\"two-col\">\r\n <div class=\"card\">\r\n <h4>Traditional banking<\/h4>\r\n <ul class=\"styled-list\">\r\n <li>BBVA \u2013 Extensive experience in modular construction<\/li>\r\n <li>CaixaBank \u2013 Flexible Financing<\/li>\r\n <li>Santander \u2013 Mortgages for self-builders<\/li>\r\n <li>Sabadell \u2013 Specializing in new construction<\/li>\r\n <li>Bankinter \u2013 Competitive conditions<\/li>\r\n <\/ul>\r\n <\/div>\r\n \r\n <div class=\"card\">\r\n <h4>Savings banks and cooperatives<\/h4>\r\n <ul class=\"styled-list\">\r\n <li>Cajamar \u2013 Rural and Sustainable Financing<\/li>\r\n <li>Kutxabank \u2013 Focus on energy efficiency<\/li>\r\n <li>Unicaja \u2013 Regional presence<\/li>\r\n <li>Ibercaja \u2013 Support for efficient construction<\/li>\r\n <li>Laboral Kutxa \u2013 Advantageous conditions<\/li>\r\n <\/ul>\r\n <\/div>\r\n <\/div>\r\n \r\n <div class=\"info-box\">\r\n <h4>MOODUL Council<\/h4>\r\n <p>Request quotes from at least three different lenders. Terms and conditions can vary significantly in terms of interest rates, fees, and associated requirements. MOODUL can provide you with contacts for lenders we have previously worked successfully with.<\/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>Comparison: Financing traditional vs. modular construction<\/h2>\r\n \r\n <table class=\"comparison-table\">\r\n <thead>\r\n <tr>\r\n <th>Aspect<\/th>\r\n <th>Traditional Construction<\/th>\r\n <th>MODUL<\/th>\r\n <\/tr>\r\n <\/thead>\r\n <tbody>\r\n <tr>\r\n <td><strong>Type of financing<\/strong><\/td>\r\n <td>Construction loan + refinancing<\/td>\r\n <td>Construction loan or direct mortgage<\/td>\r\n <\/tr>\r\n <tr>\r\n <td><strong>Loan duration for work<\/strong><\/td>\r\n <td>18-24 months<\/td>\r\n <td>6-9 months<\/td>\r\n <\/tr>\r\n <tr>\r\n <td><strong>Disbursements<\/strong><\/td>\r\n <td>Multiple, according to certifications<\/td>\r\n <td>2-3 main disbursements<\/td>\r\n <\/tr>\r\n <tr>\r\n <td><strong>Interest during construction<\/strong><\/td>\r\n <td>18-24 months interest<\/td>\r\n <td>6-9 months interest<\/td>\r\n <\/tr>\r\n <tr>\r\n <td><strong>Risk of cost overruns<\/strong><\/td>\r\n <td>High (need for additional funding)<\/td>\r\n <td>Low (fixed price)<\/td>\r\n <\/tr>\r\n <tr>\r\n <td><strong>Bank valuation<\/strong><\/td>\r\n <td>Variable depending on execution<\/td>\r\n <td>More favorable due to energy efficiency<\/td>\r\n <\/tr>\r\n <tr>\r\n <td><strong>Process complexity<\/strong><\/td>\r\n <td>High (follow-ups, certifications)<\/td>\r\n <td>Media (more agile process)<\/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>Documentation required for financing<\/h2>\r\n \r\n <div class=\"accordion-item\">\r\n <div class=\"accordion-header\" onclick=\"toggleAccordion(1)\">\r\n <h4>Personal documentation<\/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>Valid ID card or NIE<\/li>\r\n <li>Last income tax return (IRPF)<\/li>\r\n <li>Payrolls for the last 3-6 months<\/li>\r\n <li>Employment contract (if employed by someone else)<\/li>\r\n <li>Form 130 or 303 (if you are self-employed)<\/li>\r\n <li>updated work history<\/li>\r\n <li>Certificate of being up to date with Tax and Social Security<\/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>Project documentation<\/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>MOODUL fixed budget<\/li>\r\n <li>basic and execution project endorsed<\/li>\r\n <li>Municipal building permit (or in process)<\/li>\r\n <li>Specifications<\/li>\r\n <li>Project timeline<\/li>\r\n <li>Expected energy certification<\/li>\r\n <\/ul>\r\n <p style=\"margin-top: 20px;\"><em>MOODUL provides you with all the necessary technical documentation.<\/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>Plot documentation<\/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>Deed of ownership of the plot<\/li>\r\n <li>Simple note from the Property Registry<\/li>\r\n <li>Cadastral certificate<\/li>\r\n <li>Urban planning certificate from the town hall<\/li>\r\n <li>Property tax paid and up to date<\/li>\r\n <li>Certificate of encumbrances (if the plot has a mortgage)<\/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>Other supplementary documents<\/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>Bank statements for the last 3-6 months<\/li>\r\n <li>Proof of savings\/own contribution<\/li>\r\n <li>Declaration of other assets and debts<\/li>\r\n <li>Life insurance (may be required)<\/li>\r\n <li>Home insurance (mandatory for the mortgage)<\/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>Practical tips for getting the best financing<\/h2>\r\n \r\n <div class=\"two-col\">\r\n <div class=\"card\">\r\n <h4>1. Prepare your financial profile well<\/h4>\r\n <p>Before applying for a mortgage:<\/p>\r\n <ul class=\"styled-list\">\r\n <li>Reduce existing debts if possible<\/li>\r\n <li>Maintain job stability<\/li>\r\n <li>Accumulate visible savings in accounts<\/li>\r\n <li>Avoid applying for other loans<\/li>\r\n <\/ul>\r\n <\/div>\r\n \r\n <div class=\"card\">\r\n <h4>2. Compare multiple offers<\/h4>\r\n <p>Don't settle for the first one:<\/p>\r\n <ul class=\"styled-list\">\r\n <li>Request at least 3 different offers<\/li>\r\n <li>Compare APR, not just interest rates<\/li>\r\n <li>Evaluate commissions and links<\/li>\r\n <li>Negotiate the terms<\/li>\r\n <\/ul>\r\n <\/div>\r\n \r\n <div class=\"card\">\r\n <h4>3. Be clear about your contribution<\/h4>\r\n <p>Plan your resources:<\/p>\r\n <ul class=\"styled-list\">\r\n <li>Minimum 20% of the value + 10% expenses<\/li>\r\n <li>Greater contribution = better conditions<\/li>\r\n <li>Consider selling another property<\/li>\r\n <li>Don't spend all your savings<\/li>\r\n <\/ul>\r\n <\/div>\r\n \r\n <div class=\"card\">\r\n <h4>4. Understand the total costs<\/h4>\r\n <p>Beyond the monthly fee:<\/p>\r\n <ul class=\"styled-list\">\r\n <li>Opening commission (0-1%)<\/li>\r\n <li>Appraisal (\u20ac300-600)<\/li>\r\n <li>Notary and registry fees (\u20ac1,000-\u20ac2,000)<\/li>\r\n <li>Mandatory annual insurance<\/li>\r\n <\/ul>\r\n <\/div>\r\n \r\n <div class=\"card\">\r\n <h4>5. Take advantage of MOODUL's benefits<\/h4>\r\n <p>Arguments for the bank:<\/p>\r\n <ul class=\"styled-list\">\r\n <li>Fixed price, no surprises<\/li>\r\n <li>Guaranteed and short terms<\/li>\r\n <li>Energy certification A<\/li>\r\n <li>Lower risk of delays<\/li>\r\n <\/ul>\r\n <\/div>\r\n \r\n <div class=\"card\">\r\n <h4>6. Timing is important<\/h4>\r\n <p>Plan your time:<\/p>\r\n <ul class=\"styled-list\">\r\n <li>Start banking as soon as possible<\/li>\r\n <li>Streamline procedures with MOODUL<\/li>\r\n <li>Have your documentation ready.<\/li>\r\n <li>Consider market timing<\/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>Do you need personalized advice?<\/h2>\r\n <p style=\"max-width: 600px; margin: 0 auto;\">At MOODUL, we guide you through the entire financing process. We have experience working with leading financial institutions and can advise you on securing the best terms.<\/p>\r\n \r\n <div class=\"cta-buttons\">\r\n <a href=\"#\" class=\"btn\" role=\"button\">Request advice<\/a>\r\n <a href=\"#\" class=\"btn btn-outline\" role=\"button\">Download Complete Guide<\/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\/en\/wp-json\/wp\/v2\/posts\/5330","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/moodul.es\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/moodul.es\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/moodul.es\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/moodul.es\/en\/wp-json\/wp\/v2\/comments?post=5330"}],"version-history":[{"count":3,"href":"https:\/\/moodul.es\/en\/wp-json\/wp\/v2\/posts\/5330\/revisions"}],"predecessor-version":[{"id":5356,"href":"https:\/\/moodul.es\/en\/wp-json\/wp\/v2\/posts\/5330\/revisions\/5356"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/moodul.es\/en\/wp-json\/wp\/v2\/media\/3573"}],"wp:attachment":[{"href":"https:\/\/moodul.es\/en\/wp-json\/wp\/v2\/media?parent=5330"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/moodul.es\/en\/wp-json\/wp\/v2\/categories?post=5330"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/moodul.es\/en\/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\/en\/finance-your-modular-home\/","title":{"rendered":"Finance your modular home"},"content":{"rendered":"\r\n\r\n\r\n \r\n \r\n Financial Guide: How to Finance Your Home 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 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\r\n <section class=\"hero\">\r\n <div class=\"container\">\r\n <h1>Simplified Financial Guide<\/h1>\r\n <div class=\"hero-intro\">\r\n <p class=\"subtitle\">How to Finance Your Home MOODUL<\/p>\r\n <p>Everything you need to know about mortgages, loans, and financing for your modular home. Explained clearly, without unnecessary technical jargon.<\/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=\"MOODUL modular home financing\" 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>Can a MOODUL modular home be mortgaged?<\/h2>\r\n \r\n <div class=\"highlight-box\">\r\n <h3>Short answer: YES, absolutely<\/h3>\r\n <p>MOODUL modular homes are fully mortgageable because they meet all the legal, technical and urban planning requirements of a conventional new construction home.<\/p>\r\n <\/div>\r\n \r\n <div class=\"two-col\">\r\n <div>\r\n <h3>Why is it mortgageable?<\/h3>\r\n <ul class=\"styled-list\">\r\n <li>It requires a municipal building permit, just like any other dwelling.<\/li>\r\n <li>It is built on a permanent foundation on your plot<\/li>\r\n <li>It has a basic and execution project signed by architects<\/li>\r\n <li>Upon completion, a final work certificate is issued.<\/li>\r\n <li>Obtains a certificate of occupancy<\/li>\r\n <li>It is registered in the Property Registry<\/li>\r\n <\/ul>\r\n <\/div>\r\n \r\n <div>\r\n <div class=\"info-box\">\r\n <h4>What banks value<\/h4>\r\n <p>Financial institutions value several aspects of MOODUL positively:<\/p>\r\n <ul class=\"styled-list\">\r\n <li>Fixed price that minimizes additional costs<\/li>\r\n <li>Predictable and short deadlines<\/li>\r\n <li>High energy efficiency (increases valuation)<\/li>\r\n <li>Superior build quality<\/li>\r\n <li>Full LOE guarantees<\/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>Types of financing available<\/h2>\r\n \r\n <div class=\"three-col\">\r\n <div class=\"card\">\r\n <h4>Conventional mortgage<\/h4>\r\n <p><strong>The most common option<\/strong><\/p>\r\n <p>Standard mortgage for primary or secondary residence. Allows financing up to 801% of the appraised value.<\/p>\r\n <ul class=\"styled-list\">\r\n <li>Term: up to 30 years<\/li>\r\n <li>Financing: 80% appraisal value<\/li>\r\n <li>Requirements: Verifiable income<\/li>\r\n <li>Advantage: Lower interest rates<\/li>\r\n <\/ul>\r\n <\/div>\r\n \r\n <div class=\"card\">\r\n <h4>Construction loan<\/h4>\r\n <p><strong>Ideal for self-builders<\/strong><\/p>\r\n <p>It is disbursed in phases according to the progress of the work. Upon completion, it becomes a conventional mortgage.<\/p>\r\n <ul class=\"styled-list\">\r\n <li>Construction period: 12-24 months<\/li>\r\n <li>Phased disbursements<\/li>\r\n <li>Then: 30-year mortgage<\/li>\r\n <li>Advantage: You only pay interest during construction.<\/li>\r\n <\/ul>\r\n <\/div>\r\n \r\n <div class=\"card\">\r\n <h4>Mixed financing<\/h4>\r\n <p><strong>Combining resources<\/strong><\/p>\r\n <p>Combine your own savings, the sale of another home, and bank financing to optimize conditions.<\/p>\r\n <ul class=\"styled-list\">\r\n <li>Own contribution: 20-30%<\/li>\r\n <li>Mortgage: 70-80%<\/li>\r\n <li>Reduce your monthly payment<\/li>\r\n <li>Advantage: Better conditions<\/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>Step-by-step financing process<\/h2>\r\n \r\n <div class=\"card\">\r\n <h3>Phase 1: Initial Assessment<\/h3>\r\n <div class=\"list-item\">\r\n <strong>Calculate your borrowing capacity:<\/strong> Generally, your mortgage payment should not exceed 35-401% of your net monthly income\r\n <\/div>\r\n <div class=\"list-item\">\r\n <strong>Define your total budget:<\/strong> Includes the price of the MOODUL house + plot (if you don't already own one) + deed and notary fees\r\n <\/div>\r\n <div class=\"list-item\">\r\n <strong>Determine your contribution:<\/strong> You will need at least 20% of the appraised value + expenses (approximately an additional 10%)\r\n <\/div>\r\n <\/div>\r\n \r\n <div class=\"card\" style=\"margin-top: 40px;\">\r\n <h3>Phase 2: Application and study<\/h3>\r\n <div class=\"list-item\">\r\n <strong>Contact MOODUL:<\/strong> We provide you with a fixed price quote and technical documentation for the project.\r\n <\/div>\r\n <div class=\"list-item\">\r\n <strong>Apply for a mortgage:<\/strong> Submit documentation to one or more entities to compare offers\r\n <\/div>\r\n <div class=\"list-item\">\r\n <strong>Study of the entity:<\/strong> The bank assesses your creditworthiness and the viability of the project (15-20 days)\r\n <\/div>\r\n <div class=\"list-item\">\r\n <strong>Appraisal:<\/strong> The entity commissions an official appraisal of the house and plot of land.\r\n <\/div>\r\n <\/div>\r\n \r\n <div class=\"card\" style=\"margin-top: 40px;\">\r\n <h3>Phase 3: Approval and signature<\/h3>\r\n <div class=\"list-item\">\r\n <strong>Binding offer:<\/strong> You receive a formal proposal with definitive conditions (interest rate, term, installment)\r\n <\/div>\r\n <div class=\"list-item\">\r\n <strong>Signing the contract with MOODUL:<\/strong> With the bank's approval, you sign the construction contract\r\n <\/div>\r\n <div class=\"list-item\">\r\n <strong>Signing of mortgage deed:<\/strong> You formalize the mortgage before a notary.\r\n <\/div>\r\n <div class=\"list-item\">\r\n <strong>Disbursement:<\/strong> The bank transfers the money according to the agreed schedule.\r\n <\/div>\r\n <\/div>\r\n \r\n <div class=\"info-box\" style=\"margin-top: 40px;\">\r\n <h4>Total process time<\/h4>\r\n <p>From application to disbursement: <strong>1-2 months<\/strong> Under normal conditions. During this time, MOODUL can continue to advance with the technical project to optimize deadlines.<\/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>Financial institutions that finance modular homes<\/h2>\r\n \r\n <p>Most Spanish banks and savings banks finance MOODUL modular homes. Some institutions with experience in this type of project include:<\/p>\r\n \r\n <div class=\"two-col\">\r\n <div class=\"card\">\r\n <h4>Traditional banking<\/h4>\r\n <ul class=\"styled-list\">\r\n <li>BBVA \u2013 Extensive experience in modular construction<\/li>\r\n <li>CaixaBank \u2013 Flexible Financing<\/li>\r\n <li>Santander \u2013 Mortgages for self-builders<\/li>\r\n <li>Sabadell \u2013 Specializing in new construction<\/li>\r\n <li>Bankinter \u2013 Competitive conditions<\/li>\r\n <\/ul>\r\n <\/div>\r\n \r\n <div class=\"card\">\r\n <h4>Savings banks and cooperatives<\/h4>\r\n <ul class=\"styled-list\">\r\n <li>Cajamar \u2013 Rural and Sustainable Financing<\/li>\r\n <li>Kutxabank \u2013 Focus on energy efficiency<\/li>\r\n <li>Unicaja \u2013 Regional presence<\/li>\r\n <li>Ibercaja \u2013 Support for efficient construction<\/li>\r\n <li>Laboral Kutxa \u2013 Advantageous conditions<\/li>\r\n <\/ul>\r\n <\/div>\r\n <\/div>\r\n \r\n <div class=\"info-box\">\r\n <h4>MOODUL Council<\/h4>\r\n <p>Request quotes from at least three different lenders. Terms and conditions can vary significantly in terms of interest rates, fees, and associated requirements. MOODUL can provide you with contacts for lenders we have previously worked successfully with.<\/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>Comparison: Financing traditional vs. modular construction<\/h2>\r\n \r\n <table class=\"comparison-table\">\r\n <thead>\r\n <tr>\r\n <th>Aspect<\/th>\r\n <th>Traditional Construction<\/th>\r\n <th>MODUL<\/th>\r\n <\/tr>\r\n <\/thead>\r\n <tbody>\r\n <tr>\r\n <td><strong>Type of financing<\/strong><\/td>\r\n <td>Construction loan + refinancing<\/td>\r\n <td>Construction loan or direct mortgage<\/td>\r\n <\/tr>\r\n <tr>\r\n <td><strong>Loan duration for work<\/strong><\/td>\r\n <td>18-24 months<\/td>\r\n <td>6-9 months<\/td>\r\n <\/tr>\r\n <tr>\r\n <td><strong>Disbursements<\/strong><\/td>\r\n <td>Multiple, according to certifications<\/td>\r\n <td>2-3 main disbursements<\/td>\r\n <\/tr>\r\n <tr>\r\n <td><strong>Interest during construction<\/strong><\/td>\r\n <td>18-24 months interest<\/td>\r\n <td>6-9 months interest<\/td>\r\n <\/tr>\r\n <tr>\r\n <td><strong>Risk of cost overruns<\/strong><\/td>\r\n <td>High (need for additional funding)<\/td>\r\n <td>Low (fixed price)<\/td>\r\n <\/tr>\r\n <tr>\r\n <td><strong>Bank valuation<\/strong><\/td>\r\n <td>Variable depending on execution<\/td>\r\n <td>More favorable due to energy efficiency<\/td>\r\n <\/tr>\r\n <tr>\r\n <td><strong>Process complexity<\/strong><\/td>\r\n <td>High (follow-ups, certifications)<\/td>\r\n <td>Media (more agile process)<\/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>Documentation required for financing<\/h2>\r\n \r\n <div class=\"accordion-item\">\r\n <div class=\"accordion-header\" onclick=\"toggleAccordion(1)\">\r\n <h4>Personal documentation<\/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>Valid ID card or NIE<\/li>\r\n <li>Last income tax return (IRPF)<\/li>\r\n <li>Payrolls for the last 3-6 months<\/li>\r\n <li>Employment contract (if employed by someone else)<\/li>\r\n <li>Form 130 or 303 (if you are self-employed)<\/li>\r\n <li>updated work history<\/li>\r\n <li>Certificate of being up to date with Tax and Social Security<\/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>Project documentation<\/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>MOODUL fixed budget<\/li>\r\n <li>basic and execution project endorsed<\/li>\r\n <li>Municipal building permit (or in process)<\/li>\r\n <li>Specifications<\/li>\r\n <li>Project timeline<\/li>\r\n <li>Expected energy certification<\/li>\r\n <\/ul>\r\n <p style=\"margin-top: 20px;\"><em>MOODUL provides you with all the necessary technical documentation.<\/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>Plot documentation<\/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>Deed of ownership of the plot<\/li>\r\n <li>Simple note from the Property Registry<\/li>\r\n <li>Cadastral certificate<\/li>\r\n <li>Urban planning certificate from the town hall<\/li>\r\n <li>Property tax paid and up to date<\/li>\r\n <li>Certificate of encumbrances (if the plot has a mortgage)<\/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>Other supplementary documents<\/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>Bank statements for the last 3-6 months<\/li>\r\n <li>Proof of savings\/own contribution<\/li>\r\n <li>Declaration of other assets and debts<\/li>\r\n <li>Life insurance (may be required)<\/li>\r\n <li>Home insurance (mandatory for the mortgage)<\/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>Practical tips for getting the best financing<\/h2>\r\n \r\n <div class=\"two-col\">\r\n <div class=\"card\">\r\n <h4>1. Prepare your financial profile well<\/h4>\r\n <p>Before applying for a mortgage:<\/p>\r\n <ul class=\"styled-list\">\r\n <li>Reduce existing debts if possible<\/li>\r\n <li>Maintain job stability<\/li>\r\n <li>Accumulate visible savings in accounts<\/li>\r\n <li>Avoid applying for other loans<\/li>\r\n <\/ul>\r\n <\/div>\r\n \r\n <div class=\"card\">\r\n <h4>2. Compare multiple offers<\/h4>\r\n <p>Don't settle for the first one:<\/p>\r\n <ul class=\"styled-list\">\r\n <li>Request at least 3 different offers<\/li>\r\n <li>Compare APR, not just interest rates<\/li>\r\n <li>Evaluate commissions and links<\/li>\r\n <li>Negotiate the terms<\/li>\r\n <\/ul>\r\n <\/div>\r\n \r\n <div class=\"card\">\r\n <h4>3. Be clear about your contribution<\/h4>\r\n <p>Plan your resources:<\/p>\r\n <ul class=\"styled-list\">\r\n <li>Minimum 20% of the value + 10% expenses<\/li>\r\n <li>Greater contribution = better conditions<\/li>\r\n <li>Consider selling another property<\/li>\r\n <li>Don't spend all your savings<\/li>\r\n <\/ul>\r\n <\/div>\r\n \r\n <div class=\"card\">\r\n <h4>4. Understand the total costs<\/h4>\r\n <p>Beyond the monthly fee:<\/p>\r\n <ul class=\"styled-list\">\r\n <li>Opening commission (0-1%)<\/li>\r\n <li>Appraisal (\u20ac300-600)<\/li>\r\n <li>Notary and registry fees (\u20ac1,000-\u20ac2,000)<\/li>\r\n <li>Mandatory annual insurance<\/li>\r\n <\/ul>\r\n <\/div>\r\n \r\n <div class=\"card\">\r\n <h4>5. Take advantage of MOODUL's benefits<\/h4>\r\n <p>Arguments for the bank:<\/p>\r\n <ul class=\"styled-list\">\r\n <li>Fixed price, no surprises<\/li>\r\n <li>Guaranteed and short terms<\/li>\r\n <li>Energy certification A<\/li>\r\n <li>Lower risk of delays<\/li>\r\n <\/ul>\r\n <\/div>\r\n \r\n <div class=\"card\">\r\n <h4>6. Timing is important<\/h4>\r\n <p>Plan your time:<\/p>\r\n <ul class=\"styled-list\">\r\n <li>Start banking as soon as possible<\/li>\r\n <li>Streamline procedures with MOODUL<\/li>\r\n <li>Have your documentation ready.<\/li>\r\n <li>Consider market timing<\/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>Do you need personalized advice?<\/h2>\r\n <p style=\"max-width: 600px; margin: 0 auto;\">At MOODUL, we guide you through the entire financing process. We have experience working with leading financial institutions and can advise you on securing the best terms.<\/p>\r\n \r\n <div class=\"cta-buttons\">\r\n <a href=\"#\" class=\"btn\" role=\"button\">Request advice<\/a>\r\n <a href=\"#\" class=\"btn btn-outline\" role=\"button\">Download Complete Guide<\/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\/en\/wp-json\/wp\/v2\/posts\/5330","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/moodul.es\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/moodul.es\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/moodul.es\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/moodul.es\/en\/wp-json\/wp\/v2\/comments?post=5330"}],"version-history":[{"count":3,"href":"https:\/\/moodul.es\/en\/wp-json\/wp\/v2\/posts\/5330\/revisions"}],"predecessor-version":[{"id":5356,"href":"https:\/\/moodul.es\/en\/wp-json\/wp\/v2\/posts\/5330\/revisions\/5356"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/moodul.es\/en\/wp-json\/wp\/v2\/media\/3573"}],"wp:attachment":[{"href":"https:\/\/moodul.es\/en\/wp-json\/wp\/v2\/media?parent=5330"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/moodul.es\/en\/wp-json\/wp\/v2\/categories?post=5330"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/moodul.es\/en\/wp-json\/wp\/v2\/tags?post=5330"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}