{"id":5297,"date":"2025-03-13T07:37:43","date_gmt":"2025-03-13T06:37:43","guid":{"rendered":"https:\/\/www.ccoocaixabank.net\/ca\/?p=5297"},"modified":"2025-03-13T13:29:26","modified_gmt":"2025-03-13T12:29:26","slug":"p6079","status":"publish","type":"post","link":"https:\/\/www.ccoocaixabank.net\/ca\/ccoo\/p6079\/","title":{"rendered":"Reclamem un millor preu per a Casa F\u00e0cil Empleats\/ades"},"content":{"rendered":"\n<div class=\"wp-block-group has-tertiary-background-color has-background is-layout-flow wp-container-core-group-is-layout-768176b3 wp-block-group-is-layout-flow\" style=\"border-style:none;border-width:0px;margin-top:var(--wp--preset--spacing--20);margin-bottom:var(--wp--preset--spacing--20);padding-top:20px;padding-right:20px;padding-bottom:20px;padding-left:20px\">\n<p class=\"has-text-align-center has-primary-color has-text-color has-link-color has-large-font-size wp-elements-231b4da47ed71ac8f2624c0d57e3bc89\"><strong>Hem reclamat<\/strong> a la Direcci\u00f3 que el darrer <strong>tipus d\u2019inter\u00e8s<\/strong> publicat, a tipus fix del 2,30%, <strong>no es correspon amb els preus de mercat. Es preveu que entre el 20 i el 25 de mar\u00e7 es publiqui un nou tipus<\/strong><\/p>\n<\/div>\n\n\n\n<p class=\"has-large-font-size\">El <strong>31 de mar\u00e7 finalitza el termini <\/strong>per traslladar operacions que permetin<strong> reconvertir a Casa F\u00e0cil<\/strong> els pr\u00e9stecs d\u2019empleat o empleada en condicions de client, tant <strong>d\u2019operacions de CaixaBank com d\u2019una altra entitat<\/strong>, segons l\u2019acord de 2023.<\/p>\n\n\n\n<p class=\"has-large-font-size\">Per a <strong>noves operacions el termini finalitza el 31 de desembre del 2025. <\/strong>Per a les <strong>novacions que, com a conseq\u00fc\u00e8ncia de l&#8217;Acord Laboral del 2020 es vulgui novar a condicions client, si s&#8217;escull novar al preu Casa F\u00e0cil podr\u00e0s sol\u00b7licitar-ho tamb\u00e9 fins al 31 de desembre del 2025<\/strong> (\u00fanicament implicar\u00e0 el canvi en el preu).<\/p>\n\n\n\n<div class=\"wp-block-advgb-accordions advgb-accordions-e74d0ab4-637c-43dc-910c-ea54e196bd90 advgb-accordion-wrapper\" data-collapsed=\"true\">\n<div class=\"wp-block-advgb-accordion-item advgb-accordion-item\" style=\"margin-bottom:15px\"><div class=\"advgb-accordion-header\" style=\"background-color:#fbf4f3;color:#e0291d;border-style:solid;border-width:1px;border-radius:2px\"><span class=\"advgb-accordion-header-icon\"><svg fill=\"#000000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path fill=\"none\" d=\"M0,0h24v24H0V0z\"><\/path><path d=\"M12,2C6.48,2,2,6.48,2,12s4.48,10,10,10s10-4.48,10-10S17.52,2,12,2z M17,13h-4v4h-2v-4H7v-2h4V7h2v4h4V13z\"><\/path><\/svg><\/span><h4 class=\"advgb-accordion-header-title\" style=\"color:inherit\">Recorda les condicions de Casa F\u00e0cil<\/h4><\/div><div class=\"advgb-accordion-body\" style=\"border-style:solid !important;border-width:1px !important;border-color:undefined !important;border-top:none !important;border-radius:2px !important\">\n<ul class=\"wp-block-list\">\n<li style=\"margin-top:var(--wp--preset--spacing--20);margin-bottom:var(--wp--preset--spacing--20)\"> <strong>Tipus Fix o Mixt 5 anys.<\/strong> <\/li>\n\n\n\n<li style=\"margin-top:var(--wp--preset--spacing--20);margin-bottom:var(--wp--preset--spacing--20)\"> Finalitat <strong>primer habitatge i resta<\/strong> \u00fas propi. <\/li>\n\n\n\n<li style=\"margin-top:var(--wp--preset--spacing--20);margin-bottom:var(--wp--preset--spacing--20)\"> Es <strong>pot llogar:<\/strong>\n<ul class=\"wp-block-list\">\n<li>Si prov\u00e9 de <strong>reconversi\u00f3 fins a 80%<\/strong> LTV.<\/li>\n\n\n\n<li>Si prov\u00e9 de <strong>nova adquisici\u00f3 fins a 80%<\/strong> LTV per <strong>a habitatge habitual.<\/strong><\/li>\n\n\n\n<li>Si prov\u00e9 de <strong>nova adquisici\u00f3<\/strong> <strong>fins al 70%<\/strong> LTV <strong>resta<\/strong> d&#8217;habitatges.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li style=\"margin-top:var(--wp--preset--spacing--20);margin-bottom:var(--wp--preset--spacing--20)\"><strong>Capital m\u00e0xim<\/strong>, respectant sempre el m\u00e0xim 40% d&#8217;endeutament:\n<ul class=\"wp-block-list\">\n<li> <strong>Habitatge habitual 90%<\/strong> del valor de garantia.<\/li>\n\n\n\n<li> <strong>Resta dhabitatges 80%<\/strong> del valor de garantia. <\/li>\n<\/ul>\n<\/li>\n\n\n\n<li style=\"margin-top:var(--wp--preset--spacing--20);margin-bottom:var(--wp--preset--spacing--20)\"><strong>Termini m\u00e0xim <\/strong>limitat a 80 anys del m\u00e9s gran dels titulars:\n<ul class=\"wp-block-list\">\n<li> <strong>Habitatge habitual 30 anys.<\/strong><\/li>\n\n\n\n<li> <strong>Resta dhabitatges 20 anys.<\/strong><\/li>\n\n\n\n<li> Sense car\u00e8ncia. <\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-border-color has-primary-border-color has-global-padding is-layout-constrained wp-container-core-group-is-layout-70d3dfd8 wp-block-group-is-layout-constrained\" style=\"border-width:5px;margin-top:var(--wp--preset--spacing--20);margin-bottom:var(--wp--preset--spacing--20);padding-top:var(--wp--preset--spacing--20);padding-right:var(--wp--preset--spacing--20);padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--20)\">\n<p class=\"has-text-align-center has-large-font-size\"><strong>Reclamem a la Direcci\u00f3 generositat amb la plantilla a l\u2019hora d\u2019oferir el tipus d\u2019inter\u00e8s de Casa F\u00e0cil, una generositat que tamb\u00e9 s\u2019ha de fer extensiva a la Comissi\u00f3 de Seguiment de l\u2019Acord de Pr\u00e9stecs d\u2019Empleats i Empleades de 2020. Ens hi hem reunit recentment a petici\u00f3 de CCOO, i actualment estan analitzant les propostes que els vam fer:<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-wp-embed is-provider-ccoo-caixabank-catal wp-block-embed-ccoo-caixabank-catal\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"k3dBpFTWe9\"><a href=\"https:\/\/www.ccoocaixabank.net\/ca\/ccoo\/p5540\/\">Comissi\u00f3 de Seguiment de l&#8217;Acord de Pr\u00e9stecs.<\/a><\/blockquote><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; visibility: hidden;\" title=\"&#8220;Comissi\u00f3 de Seguiment de l&#8217;Acord de Pr\u00e9stecs.&#8221; &#8212; CCOO CaixaBank (catal\u00e0)\" src=\"https:\/\/www.ccoocaixabank.net\/ca\/ccoo\/p5540\/embed\/#?secret=FXrc7Y9LNg#?secret=k3dBpFTWe9\" data-secret=\"k3dBpFTWe9\" width=\"500\" height=\"282\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n\n\n\n<p class=\"has-text-align-center has-large-font-size\"><br><strong>Entre aquestes propostes, considerem prioritari abordar solucions que permetin millorar el capital del pr\u00e9stec A en aquelles poblacions on els preus dels habitatges estan tensionats.<\/strong><\/p>\n<\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Hem reclamat a la Direcci\u00f3 que el darrer tipus dinter\u00e8s publicat a tipus fix 2,30% no es correspon amb els preus de mercat. Es preveu que entre el 20 i el 25 de mar\u00e7 es publiqui un nou tipus. El proper 31 de mar\u00e7 finalitza el termini per traslladar operacions que permeten reconvertir Casa F\u00e1cil, pr\u00e9stecs d&#8217;empleat en condicions client d&#8217;operacions de CaixaBank o d&#8217;una altra entitat, segons l&#8217;acord 2023. Per a noves operacions i novacions en condicions de client que nom\u00e9s impliquin preu, es poden sol\u00b7licitar fins al 31 de desembre de 2025.<\/p>\n","protected":false},"author":7,"featured_media":5300,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"wp-custom-template-noticia-con-encabezado-el-momento-es-ahora-y-pie-el-poder-de-cambiar-las-cosas","format":"standard","meta":{"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","editor_notices":[],"footnotes":""},"categories":[1],"tags":[],"class_list":["post-5297","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ccoo"],"author_meta":{"display_name":"Juan Morais","author_link":"https:\/\/www.ccoocaixabank.net\/ca\/author\/juanmorais\/"},"featured_img":"https:\/\/www.ccoocaixabank.net\/ca\/wp-content\/uploads\/sites\/3\/2025\/03\/prestem-baixada-512x384.jpg","coauthors":[],"tax_additional":{"categories":{"linked":["<a href=\"https:\/\/www.ccoocaixabank.net\/ca\/categoria\/ccoo\/\" class=\"advgb-post-tax-term\">CCOO<\/a>"],"unlinked":["<span class=\"advgb-post-tax-term\">CCOO<\/span>"]}},"comment_count":"0","relative_dates":{"created":"Posted 1 any ago","modified":"Updated 1 any ago"},"absolute_dates":{"created":"Posted on 13 de mar\u00e7 de 2025","modified":"Updated on 13 de mar\u00e7 de 2025"},"absolute_dates_time":{"created":"Posted on 13 de mar\u00e7 de 2025 07:37","modified":"Updated on 13 de mar\u00e7 de 2025 13:29"},"featured_img_caption":"","series_order":"","_links":{"self":[{"href":"https:\/\/www.ccoocaixabank.net\/ca\/wp-json\/wp\/v2\/posts\/5297","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.ccoocaixabank.net\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.ccoocaixabank.net\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.ccoocaixabank.net\/ca\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ccoocaixabank.net\/ca\/wp-json\/wp\/v2\/comments?post=5297"}],"version-history":[{"count":26,"href":"https:\/\/www.ccoocaixabank.net\/ca\/wp-json\/wp\/v2\/posts\/5297\/revisions"}],"predecessor-version":[{"id":5336,"href":"https:\/\/www.ccoocaixabank.net\/ca\/wp-json\/wp\/v2\/posts\/5297\/revisions\/5336"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.ccoocaixabank.net\/ca\/wp-json\/wp\/v2\/media\/5300"}],"wp:attachment":[{"href":"https:\/\/www.ccoocaixabank.net\/ca\/wp-json\/wp\/v2\/media?parent=5297"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.ccoocaixabank.net\/ca\/wp-json\/wp\/v2\/categories?post=5297"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.ccoocaixabank.net\/ca\/wp-json\/wp\/v2\/tags?post=5297"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}