{"id":3565,"date":"2026-07-21T07:43:04","date_gmt":"2026-07-21T07:43:04","guid":{"rendered":"http:\/\/asemovar.com\/asesoria\/?p=3565"},"modified":"2026-07-21T07:43:05","modified_gmt":"2026-07-21T07:43:05","slug":"como-negociar-el-tipo-de-interes-con-el-banco","status":"publish","type":"post","link":"https:\/\/asemovar.com\/asesoria\/como-negociar-el-tipo-de-interes-con-el-banco\/","title":{"rendered":"Como negociar el tipo de inter\u00e9s con el Banco"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><span style=\"font-family: georgia, palatino, serif; font-size: 16pt;\"><span style=\"color: #000000;\">Como negociar el tipo de inter\u00e9s con el Banco. El departamento financiero o de administraci\u00f3n, necesitar conocer el tipo de inter\u00e9s que cobra el banco<\/span><\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-family: georgia, palatino, serif; font-size: 16pt;\"><span style=\"color: #000000;\">Para ello vamos a describir una serie de pautas a seguir, que nos ayudaran a negociar con el banco.<\/span><\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span style=\"font-family: georgia, palatino, serif; font-size: 16pt;\">Como negociar el tipo de inter\u00e9s con el Banco<\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-family: georgia, palatino, serif; font-size: 16pt; color: #000000;\">Los bancos, en la mayor\u00edas de los casos, referencian el cr\u00e9dito, al Euribor mas un diferencial ( pr\u00e9stamo o cr\u00e9dito variable). Los valores de referencia son:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 16pt; color: #000000;\">Euribor a 1 d\u00eda&nbsp; &nbsp;&#8211; Es muy poco habitual el uso en empresas, ya que se destina, para operaciones de cr\u00e9ditos a 1 d\u00eda.<\/span><\/li>\n\n\n\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 16pt; color: #000000;\">Euribor a 3 meses<\/span><\/li>\n\n\n\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 16pt; color: #000000;\">Euribor a 6 meses<\/span><\/li>\n\n\n\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 16pt; color: #000000;\">Euribor a 12 meses.<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-family: georgia, palatino, serif; font-size: 16pt;\"><span style=\"color: #000000;\">El mas usado es el <strong>Euribor a 12 meses<\/strong>, aunque pueden usar <strong>el de 3 y 6 meses<\/strong>, dependiendo si estas dos referencias son mas altas que el de 12 meses.&nbsp;<\/span><\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-family: georgia, palatino, serif; font-size: 16pt;\"><span style=\"color: #000000;\">El primer paso que debemos conocer, es que valor tiene el euribor, para ello debemos consultar en la<span style=\"color: #0000ff;\"> <a style=\"color: #0000ff;\" href=\"https:\/\/www.bde.es\/webbde\/es\/estadis\/infoest\/tipos\/tipos.html\" target=\"_blank\" rel=\"noopener noreferrer\">pagina del Banco de Espa\u00f1a<\/a>,<\/span> que puedes comprobar accediendo al punto 1.7 de esta <a href=\"https:\/\/www.bde.es\/webbde\/es\/estadis\/infoest\/tipos\/tipos.html\" target=\"_blank\" rel=\"noreferrer noopener\">pagina de tipos de inter\u00e9s<\/a>  <span style=\"color: #0000ff;\"><\/span><\/span><\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-family: georgia, palatino, serif; font-size: 16pt; color: #000000;\">Posteriormente accedemos en el punto 1.7 donde indica, <\/span><strong>\u20acSTR, EONIA, eur\u00edbor y otros tipos de inter\u00e9s internacionales a un d\u00eda, tres meses<\/strong> y un a\u00f1o<span style=\"font-family: georgia, palatino, serif; font-size: 16pt; color: #000000;\"> y pulsamos en el cuadro que hemos se\u00f1alado.<\/span><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1400\" height=\"857\" src=\"https:\/\/asemovar.com\/asesoria\/wp-content\/uploads\/2023\/06\/Captura-de-pantalla-2023-06-10-144119-bde.jpg\" alt=\"\" class=\"wp-image-8774\" title=\"Como negociar el tipo de inter\u00e9s con el Banco\" srcset=\"https:\/\/asemovar.com\/asesoria\/wp-content\/uploads\/2023\/06\/Captura-de-pantalla-2023-06-10-144119-bde.jpg 1400w, https:\/\/asemovar.com\/asesoria\/wp-content\/uploads\/2023\/06\/Captura-de-pantalla-2023-06-10-144119-bde-300x184.jpg 300w, https:\/\/asemovar.com\/asesoria\/wp-content\/uploads\/2023\/06\/Captura-de-pantalla-2023-06-10-144119-bde-768x470.jpg 768w, https:\/\/asemovar.com\/asesoria\/wp-content\/uploads\/2023\/06\/Captura-de-pantalla-2023-06-10-144119-bde-400x245.jpg 400w, https:\/\/asemovar.com\/asesoria\/wp-content\/uploads\/2023\/06\/Captura-de-pantalla-2023-06-10-144119-bde-150x92.jpg 150w, https:\/\/asemovar.com\/asesoria\/wp-content\/uploads\/2023\/06\/Captura-de-pantalla-2023-06-10-144119-bde-200x122.jpg 200w\" sizes=\"auto, (max-width: 1400px) 100vw, 1400px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-family: georgia, palatino, serif; font-size: 16pt; color: #000000;\"><\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-family: georgia, palatino, serif; font-size: 16pt;\"><span style=\"color: #000000;\">Este cuadro se actualiza diariamente, por parte del Banco de Espa\u00f1a y <\/span><span style=\"color: #000000;\">nos aparecer\u00e1 los \u00faltimos doce meses. <\/span><\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-family: georgia, palatino, serif; font-size: 16pt;\"><span style=\"color: #000000;\">Para comprobar el actual, debemos ir al final del listado y comprobar el euribor del d\u00eda anterior, el de 3, 6 \u00f3 12 meses, seg\u00fan lo que el banco nos vaya a proponer, como est\u00e1 se\u00f1alado en la imagen<\/span><\/span><\/p>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"656\" src=\"http:\/\/asemovar.com\/asesoria\/wp-content\/uploads\/2018\/09\/euribor-1024x656.jpg\" alt=\"Como negociar el tipo de inter\u00e9s con el Banco\" class=\"wp-image-3570\" title=\"Como negociar el tipo de inter\u00e9s con el Banco\" srcset=\"https:\/\/asemovar.com\/asesoria\/wp-content\/uploads\/2018\/09\/euribor-1024x656.jpg 1024w, https:\/\/asemovar.com\/asesoria\/wp-content\/uploads\/2018\/09\/euribor-300x192.jpg 300w, https:\/\/asemovar.com\/asesoria\/wp-content\/uploads\/2018\/09\/euribor-768x492.jpg 768w, https:\/\/asemovar.com\/asesoria\/wp-content\/uploads\/2018\/09\/euribor-400x256.jpg 400w, https:\/\/asemovar.com\/asesoria\/wp-content\/uploads\/2018\/09\/euribor-600x385.jpg 600w, https:\/\/asemovar.com\/asesoria\/wp-content\/uploads\/2018\/09\/euribor-150x96.jpg 150w, https:\/\/asemovar.com\/asesoria\/wp-content\/uploads\/2018\/09\/euribor-200x128.jpg 200w, https:\/\/asemovar.com\/asesoria\/wp-content\/uploads\/2018\/09\/euribor-512x328.jpg 512w, https:\/\/asemovar.com\/asesoria\/wp-content\/uploads\/2018\/09\/euribor.jpg 1114w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-family: georgia, palatino, serif; font-size: 16pt; color: #000000;\"><\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-family: georgia, palatino, serif; font-size: 16pt; color: #000000;\">Con esta referencia del euribor, el banco le suma un diferencial , que puede estar habitualmente entre el 1%&nbsp; y el 4%, dependiendo del riesgo que pueda suponer para el banco, la empresa que lo solicita.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"color: #000000; font-family: georgia, palatino, serif; font-size: 16pt;\">Para saber, que tipo de diferencial debemos negociar con el banco, debemos tener en cuenta nuestros balances (Cifra de ventas, margen de Beneficios, endeudamiento, tipo de inversi\u00f3n). <\/span><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">El Euribor ha experimentado una notable evoluci\u00f3n desde los m\u00e1ximos alcanzados en 2023, lo que ha cambiado el margen de negociaci\u00f3n con las entidades bancarias tanto para pr\u00e9stamos como para l\u00edneas de cr\u00e9dito. Antes de negociar, conviene llevar preparado un dossier con los ratios financieros de la empresa, el hist\u00f3rico de relaci\u00f3n bancaria y, si es posible, ofertas de otras entidades, ya que la competencia entre bancos sigue siendo el argumento m\u00e1s eficaz para mejorar condiciones.<\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong>PREGUNTAS FRECUENTES<\/strong><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">\u00bfQu\u00e9 documentaci\u00f3n conviene llevar a una negociaci\u00f3n bancaria?<\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"> Cuentas anuales, ratios de liquidez y endeudamiento actualizados, y previsi\u00f3n de tesorer\u00eda a corto plazo.<\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">\u00bfConviene tener relaci\u00f3n con m\u00e1s de un banco? <\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">S\u00ed; disponer de varias entidades de referencia mejora la posici\u00f3n negociadora de la empresa.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"color: #000000; font-family: georgia, palatino, serif; font-size: 16pt;\"> Si necesitas ampliar informaci\u00f3n sobre como negociar con la banca, puedes contratar nuestro <a href=\"https:\/\/asemovar.com\/asesoria\/pack-de-servicios-para-el-asesoramiento-financiero-a-pymes\/\" target=\"_blank\" rel=\"noreferrer noopener\">servicio de asesoramiento financiero para pymes. Compru\u00e9balo aqu\u00ed<\/a><\/span><\/p>\n\n\n<div class=\"wpforms-container wpforms-container-full wpforms-block wpforms-block-44f579b5-5797-47dd-942b-ec9753f14ffd\" id=\"wpforms-9407\"><form id=\"wpforms-form-9407\" class=\"wpforms-validate wpforms-form wpforms-ajax-form\" data-formid=\"9407\" method=\"post\" enctype=\"multipart\/form-data\" action=\"\/asesoria\/wp-json\/wp\/v2\/posts\/3565\" data-token=\"6b684b8cda72f724f8684427d623c6de\" data-token-time=\"1791332504\"><div class=\"wpforms-head-container\"><div class=\"wpforms-title\">\u00bfDudas sobre la gesti\u00f3n de tu empresa? Solicita tu consulta con nuestra asesor\u00eda<\/div><div class=\"wpforms-description\">\u00bfDudas sobre la gesti\u00f3n de tu empresa? 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value=\"1791332504.dd36ae4e56212a96cb38d16b0ed74375ecb284a3d63e585f63db42cac9f180aa\"><input type=\"hidden\" name=\"page_title\" value=\"\"><input type=\"hidden\" name=\"page_url\" value=\"https:\/\/asemovar.com\/asesoria\/wp-json\/wp\/v2\/posts\/3565\"><input type=\"hidden\" name=\"url_referer\" value=\"\"><button type=\"submit\" name=\"wpforms[submit]\" id=\"wpforms-submit-9407\" class=\"wpforms-submit\" data-alt-text=\"Enviando...\" data-submit-text=\"Enviar\" aria-live=\"assertive\" value=\"wpforms-submit\">Enviar<\/button><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/asemovar.com\/asesoria\/wp-content\/plugins\/wpforms-lite\/assets\/images\/submit-spin.svg\" class=\"wpforms-submit-spinner\" style=\"display: none;\" width=\"26\" height=\"26\" alt=\"Cargando\"><\/div><\/form><\/div>  <!-- .wpforms-container -->","protected":false},"excerpt":{"rendered":"<p>Como negociar el tipo de inter\u00e9s con el Banco. El departamento financiero o de administraci\u00f3n, necesitar conocer el tipo de inter\u00e9s que cobra el banco Para ello vamos a describir una serie de pautas a seguir, que nos ayudaran a negociar con el banco. Como negociar el tipo de inter\u00e9s con el Banco Los bancos, &#8230; <a title=\"Como negociar el tipo de inter\u00e9s con el Banco\" class=\"read-more\" href=\"https:\/\/asemovar.com\/asesoria\/como-negociar-el-tipo-de-interes-con-el-banco\/\" aria-label=\"Leer m\u00e1s sobre Como negociar el tipo de inter\u00e9s con el Banco\">Leer m\u00e1s<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[470],"tags":[],"class_list":["post-3565","post","type-post","status-publish","format-standard","hentry","category-asesoria-fiscal-y-contable-blog"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Como negociar el tipo de inter\u00e9s con el Banco<\/title>\n<meta name=\"description\" content=\"Como negociar el tipo de inter\u00e9s con el Banco. 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