{"id":1975,"date":"2026-04-01T09:52:32","date_gmt":"2026-04-01T07:52:32","guid":{"rendered":"https:\/\/christiesrealestate-barcelona.es\/services\/"},"modified":"2026-07-08T11:01:47","modified_gmt":"2026-07-08T09:01:47","slug":"services","status":"publish","type":"page","link":"https:\/\/setclaus.owius.com\/en\/services\/","title":{"rendered":"Financing"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1975\" class=\"elementor elementor-1975 elementor-521\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2124923 e-con-full e-flex e-con e-parent\" data-id=\"2124923\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-605ba33 e-flex e-con-boxed e-con e-child\" data-id=\"605ba33\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t\t\t\t<p class=\"e-5430e55-dcfce1f shadowText e-paragraph-base\" data-interaction-id=\"5430e55\"  data-e-type=\"widget\" data-id=\"5430e55\">\n\t\t\t\t\t\t\t\tSETCLAUS\n\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t<p class=\"e-5038637-25e4ec6 shadowText e-paragraph-base\" data-interaction-id=\"5038637\"  data-e-type=\"widget\" data-id=\"5038637\">\n\t\t\t\t\t\t\t\tFinancing for your home in Maresme and Barcelona\n\t\t\t\t\t<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c6e201d e-con-full e-flex e-con e-parent\" data-id=\"c6e201d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-3245a4e e-flex e-con-boxed e-con e-child\" data-id=\"3245a4e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t\t\t<h2 \n\t\tdata-interaction-id=\"c49e712\" \n\t\tclass=\"e-c49e712-41f716d e-heading-base\" \n\t\t \n\t\tdata-e-type=\"widget\" data-id=\"c49e712\"\n\t>\n\t\n\t\t\tWe help you with financing\n\t\t<\/h2>\n\t\t\t\t\t\t\t\t<p class=\"e-914cb07-d3c9be3 e-paragraph-base\" data-interaction-id=\"914cb07\"  data-e-type=\"widget\" data-id=\"914cb07\">\n\t\t\t\t\t\t\t\tGet a fixed interest rate from 1.75% on your mortgage, whether you buy with us or not.<br\/>Plus, if you need to refinance your existing mortgage, we can help with that too.\n\t\t\t\t\t<\/p>\n\t\t\t\t\t    \t            <a\n            \t\t\thref=\"https:\/\/setclaus.owius.com\/en\/contact\/\"\n        target=\"_self\"\n            class=\"buttonHeader e-52495a6-c2a3de0 e-button-base\"\n            data-interaction-id=\"52495a6\"\n             data-e-type=\"widget\" data-id=\"52495a6\" \n        >\n            CONTACT US\n        <\/a>\n    \t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-347b962 e-flex e-con-boxed e-con e-parent\" data-id=\"347b962\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-0072c9a e-con-full e-flex e-con e-child\" data-id=\"0072c9a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t\t\t<h2 \n\t\tdata-interaction-id=\"ea4f0bb\" \n\t\tclass=\"e-ea4f0bb-6c7d73c e-heading-base\" \n\t\t \n\t\tdata-e-type=\"widget\" data-id=\"ea4f0bb\"\n\t>\n\t\n\t\t\tMortgage simulator\n\t\t<\/h2>\n\t\t<div class=\"elementor-element elementor-element-e4a6a0b e-con-full e-flex e-con e-child\" data-id=\"e4a6a0b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8ca8714 elementor-widget elementor-widget-shortcode\" data-id=\"8ca8714\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">    <div class=\"simulador-hipoteca container px-0\">\n        <div class=\"row\">\n            <div class=\"col-12 col-lg-6\">\n                <div class=\"container\">\n                    <!-- PRECIO DEL INMUEBLE -->\n                    <div class=\"row\">\n                        <div class=\"col-12\">\n                            <div class=\"d-flex justify-content-between\">\n                                <div>Property price:<\/div>\n                                <div class=\"precio-container\">\n                                    <button class=\"btn-control\" id=\"btn-precio-menos\">\u2212<\/button>\n                                    <input type=\"number\" id=\"precio-inmueble-text\" min=\"50000\" max=\"2000000\" step=\"5000\" value=\"200000\" pattern=\"[0-9]\">\n                                    <button class=\"btn-control\" id=\"btn-precio-mas\">+<\/button>\n                                <\/div>\n                            <\/div>\n                            <input type=\"range\" id=\"precio-inmueble\" min=\"50000\" max=\"2000000\" step=\"5000\" value=\"200000\" class=\"w-100\">\n                        <\/div>\n                    <\/div>\n\n                    <!-- AHORRO APORTADO -->\n                    <div class=\"row\">\n                        <div class=\"col-12\">\n                            <div class=\"d-flex justify-content-between\">\n                                <div>Savings contributed: <span id=\"porcentaje-ahorro\">35%<\/span><\/div>\n                                <div class=\"ahorro-container\">\n                                    <button class=\"btn-control\" id=\"btn-ahorro-menos\">\u2212<\/button>\n                                    <input type=\"number\" id=\"ahorro-aportado-text\" min=\"10000\" max=\"900000\" step=\"5000\" value=\"70000\">\n                                    <button class=\"btn-control\" id=\"btn-ahorro-mas\">+<\/button>\n                                <\/div>\n                            <\/div>\n                            <input type=\"range\" id=\"ahorro-aportado\" min=\"10000\" max=\"900000\" step=\"5000\" value=\"70000\" class=\"w-100\">\n                        <\/div>\n                        <div class=\"col-10 offset-1 sim-hipoteca-note mb-4 py-3 text-center\">\n                            We recommend contributing at least 20% of the property price.                        <\/div>\n                    <\/div>\n\n                    <!-- PLAZO EN A\u00d1OS -->\n                    <div class=\"row\">\n                        <div class=\"col-12\">\n                            <div class=\"d-flex justify-content-between\">\n                                <div>Term in years:<\/div>\n                                <div class=\"plazo-container\">\n                                    <button class=\"btn-control\" id=\"btn-plazo-menos\">\u2212<\/button>\n                                    <input type=\"number\" id=\"plazo-text\" min=\"5\" max=\"40\" step=\"1\" value=\"30\">\n                                    <button class=\"btn-control\" id=\"btn-plazo-mas\">+<\/button>\n                                <\/div>\n                            <\/div>\n                            <input type=\"range\" id=\"plazo\" min=\"5\" max=\"40\" step=\"1\" value=\"30\" class=\"w-100\">\n                        <\/div>\n                    <\/div>\n\n                    <!-- TIPO DE INTER\u00c9S Y ESTADO DEL INMUEBLE -->\n                    <div class=\"row\">\n                        <div class=\"col-12\">\n                            <div class=\"d-flex flex-column flex-md-row justify-content-between my-2\">\n                                <div class=\"d-flex align-items-center\">Interest rate (%):<\/div>\n                                <div class=\"d-flex align-items-center justify-content-between\">\n                                    <input type=\"radio\" id=\"fijo\" name=\"tipo\" value=\"fijo\" checked>\n                                    <label for=\"fijo\" class=\"ms-1 me-2\">Fixed<\/label>\n                                    <input type=\"radio\" id=\"variable\" name=\"tipo\" value=\"variable\">\n                                    <label for=\"variable\" class=\"ms-1 me-2\">Variable<\/label>\n                                <\/div>\n                                <div class=\"interes-container\">\n                                    <button class=\"btn-control\" id=\"btn-interes-menos\">\u2212<\/button>\n                                    <input type=\"number\" id=\"tipo-interes\" min=\"0.5\" max=\"10\" step=\"0.1\" value=\"2.15\">\n                                    <button class=\"btn-control\" id=\"btn-interes-mas\">+<\/button>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n\n                    <!-- ESTADO DEL INMUEBLE -->\n                    <div class=\"row\">\n                        <div class=\"col-12\">\n                            <div class=\"d-flex justify-content-between my-2\">\n                                <div>Property status:<\/div>\n                                <div class=\"d-flex align-items-center justify-content-between\">\n                                    <input type=\"radio\" id=\"nuevo\" name=\"estado\" value=\"nuevo\" checked>\n                                    <label for=\"nuevo\" class=\"ms-1 me-2\">New build<\/label>\n                                    <input type=\"radio\" id=\"segundamano\" name=\"estado\" value=\"segundamano\">\n                                    <label for=\"segundamano\" class=\"ms-1 me-2 text-nowrap\">Resale<\/label>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/div>\n            <div class=\"col-12 col-lg-6\">\n                <div class=\"container\">\n                    <div class=\"row sim-hipoteca-results\">\n                        <div class=\"col-12 text-center sim-hipoteca-summary-head py-3 bold cuota-mensual\">\n                            Monthly payment:<br\/>\n                            <span id=\"cuota-mensual\"><\/span>\n                        <\/div>\n                        <div class=\"col-12 text-center sim-hipoteca-summary-meta py-3\">\n                            <div class=\"d-flex justify-content-between py-2\">\n                                <div>Mortgage amount:<\/div>\n                                <div id=\"importe-hipoteca\"><\/div>\n                            <\/div>\n                            <div class=\"d-flex justify-content-between py-2\">\n                                <div>Financing percentage:<\/div>\n                                <div id=\"porcentaje-financiacion\"><\/div>\n                            <\/div>\n                        <\/div>\n                        <div class=\"col-12 text-center sim-hipoteca-summary-body py-3\">\n                            <div class=\"d-flex justify-content-between py-2\">\n                                <div>Property price:<\/div>\n                                <div id=\"total-precio-inmueble\"><\/div>\n                            <\/div>\n                            <div class=\"d-flex justify-content-between py-2\">\n                                <div>Taxes and expenses:<\/div>\n                                <div id=\"impuestos-y-gastos\"><\/div>\n                            <\/div>\n                            <div class=\"d-flex justify-content-between py-2 bold\">\n                                <div>Total property cost:<\/div>\n                                <div id=\"coste-total-inmueble\"><\/div>\n                            <\/div>\n                            <div>\n                                <canvas id=\"graficoCosteTotal\" height=\"90\" class=\"w-100\"><\/canvas>\n                            <\/div>\n                            <div class=\"d-flex justify-content-between py-2 pt-4\">\n                                <div>Savings contributed:<\/div>\n                                <div id=\"total-ahorro-aportado\"><\/div>\n                            <\/div>\n                            <div class=\"d-flex justify-content-between py-2\">\n                                <div>Mortgage amount:<\/div>\n                                <div id=\"total-importe-hipoteca\"><\/div>\n                            <\/div>\n                            <div class=\"d-flex justify-content-between py-2\">\n                                <div>Mortgage interest:<\/div>\n                                <div id=\"interes-hipoteca\"><\/div>\n                            <\/div>\n                            <div class=\"d-flex justify-content-between py-2 bold\">\n                                <div>Total cost with mortgage:<\/div>\n                                <div id=\"coste-total\"><\/div>\n                            <\/div>\n                            <div>\n                                <canvas id=\"graficoCosteTotalHipoteca\" height=\"90\" class=\"w-100\"><\/canvas>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n    <script src=\"https:\/\/cdn.jsdelivr.net\/npm\/chart.js\"><\/script>\n\n    <script>\n        function sincronizarSliderYTexto(sliderId, inputId, step) {\n            let slider = document.getElementById(sliderId);\n            let input = document.getElementById(inputId);\n\n            function actualizar() {\n                input.value = slider.value;\n                calcularHipoteca();\n            }\n            slider.addEventListener(\"input\", actualizar);\n            input.addEventListener(\"input\", function() {\n                let valor = parseInt(this.value);\n                if (valor >= slider.min && valor <= slider.max) {\n                    slider.value = valor.toFixed(2);\n                    calcularHipoteca();\n                }\n            });\n            return { slider, input };\n        }\n\n        function configurarBotones(menosId, masId, control, step, min, max) {\n            document.getElementById(menosId).addEventListener(\"click\", function() {\n                let valor = parseFloat(control.input.value);\n                if (valor > min) {\n                    if (menosId == \"btn-interes-menos\") {\n                        valor = (valor - step).toFixed(2);\n                    } else {\n                        valor = (valor - step).toFixed(0);\n                    }\n                    control.input.value = valor;\n                    control.slider.value = valor;\n                    calcularHipoteca();\n                }\n            });\n\n            document.getElementById(masId).addEventListener(\"click\", function() {\n                let valor = parseFloat(control.input.value);\n                if (valor < max) {\n                    if (masId == \"btn-interes-mas\") {\n                        valor = (valor + step).toFixed(2);\n                    } else {\n                        valor = (valor + step).toFixed(0);\n                    }\n                    control.input.value = valor;\n                    control.slider.value = valor;\n                    calcularHipoteca();\n                }\n            });\n        }\n\n        let precio = sincronizarSliderYTexto(\"precio-inmueble\", \"precio-inmueble-text\", 5000);\n        let ahorro = sincronizarSliderYTexto(\"ahorro-aportado\", \"ahorro-aportado-text\", 5000);\n        let plazo = sincronizarSliderYTexto(\"plazo\", \"plazo-text\", 1);\n        let interes = sincronizarSliderYTexto(\"tipo-interes\", \"tipo-interes\", 0.1);\n\n        configurarBotones(\"btn-precio-menos\", \"btn-precio-mas\", precio, 5000, 50000, 2000000);\n        configurarBotones(\"btn-ahorro-menos\", \"btn-ahorro-mas\", ahorro, 5000, 10000, 900000);\n        configurarBotones(\"btn-plazo-menos\", \"btn-plazo-mas\", plazo, 1, 5, 40);\n        configurarBotones(\"btn-interes-menos\", \"btn-interes-mas\", interes, 0.1, 0.5, 10);\n\n        function calcularHipoteca(){            \n            let precioInmueble = precio.input.value;\n            let estadoSeleccionado = document.querySelector('input[name=\"estado\"]:checked').value;\n\n            if (estadoSeleccionado === \"nuevo\") {\n                impuestosYGastos = (precio.input.value * 0.123625).toFixed(0); \/\/ Estimaci\u00f3n del 12.3625% del precio del inmueble\n            } else {\n                impuestosYGastos = (precio.input.value * 0.108625).toFixed(0); \/\/ Estimaci\u00f3n del 10.8625% del precio del inmueble\n            }\n            let costeTotalInmueble = (parseFloat(precio.input.value) + parseFloat(impuestosYGastos)).toFixed(0);\n            let importeHipoteca = costeTotalInmueble - ahorro.input.value;\n            let meses = plazo.input.value * 12;\n            let tasaMensual = parseFloat(interes.input.value) \/ 100 \/ 12;\n            let cuotaMensual = (importeHipoteca * tasaMensual) \/ (1 - Math.pow(1 + tasaMensual, -meses));\n            let porcentajeFinanciacion = ((importeHipoteca \/ precioInmueble) * 100).toFixed(1) + \"%\";\n            let interesHipoteca = cuotaMensual * meses - importeHipoteca;\n\n            document.getElementById(\"total-precio-inmueble\").innerText = parseInt(precioInmueble).toLocaleString(\"es-ES\") + \" \u20ac\";\n            \n            document.getElementById(\"cuota-mensual\").innerText = parseInt(cuotaMensual) + \" \u20ac\";\n            document.getElementById(\"importe-hipoteca\").innerText = importeHipoteca.toLocaleString(\"es-ES\") + \" \u20ac\";\n            document.getElementById(\"total-importe-hipoteca\").innerText = importeHipoteca.toLocaleString(\"es-ES\") + \" \u20ac\";\n\n            document.getElementById(\"porcentaje-financiacion\").innerText = porcentajeFinanciacion;\n\n            document.getElementById(\"impuestos-y-gastos\").innerText = parseInt(impuestosYGastos).toLocaleString(\"es-ES\") + \" \u20ac\";\n\n            document.getElementById(\"coste-total-inmueble\").innerText = parseInt(costeTotalInmueble).toLocaleString(\"es-ES\") + \" \u20ac\";\n\n            document.getElementById(\"total-ahorro-aportado\").innerText = parseFloat(ahorro.input.value).toLocaleString(\"es-ES\") + \" \u20ac\";\n            document.getElementById(\"interes-hipoteca\").innerText = parseInt(interesHipoteca).toLocaleString(\"es-ES\") + \" \u20ac\";\n\n            let costeTotal = parseInt(parseFloat(importeHipoteca) + parseFloat(interesHipoteca) + parseFloat(ahorro.input.value));\n            document.getElementById(\"coste-total\").innerText = costeTotal.toLocaleString(\"es-ES\") + \" \u20ac\";\n\n            let porcentajeAhorro = ((ahorro.input.value \/ precio.input.value) * 100).toFixed(1) + \"%\";\n            document.getElementById(\"porcentaje-ahorro\").innerText = porcentajeAhorro;\n\n            graficoCosteTotal.data.datasets[0].data = [precio.input.value];\n            graficoCosteTotal.data.datasets[1].data = [impuestosYGastos];\n            graficoCosteTotal.update();\n\n            graficoCosteTotalHipoteca.data.datasets[0].data = [ahorro.input.value];\n            graficoCosteTotalHipoteca.data.datasets[1].data = [importeHipoteca];\n            graficoCosteTotalHipoteca.data.datasets[2].data = [interesHipoteca];\n            graficoCosteTotalHipoteca.update();\n        }\n\n        document.querySelectorAll('input[name=\"estado\"]').forEach(radio => {\n            radio.addEventListener(\"change\", calcularHipoteca);\n        });\n\n        let ctx = document.getElementById('graficoCosteTotal').getContext('2d');\n        let ctx2 = document.getElementById('graficoCosteTotalHipoteca').getContext('2d');\n        let graficoCosteTotal = new Chart(ctx, {\n            type: 'bar',\n            data: {\n                labels: [\"\"],\n                datasets: [{\n                    label: \"Precio del inmueble\",\n                    data: [0], \/\/ Se actualizar\u00e1 din\u00e1micamente\n                    backgroundColor: \"rgba(0, 0, 0, 0.55)\"\n                }, {\n                    label: \"Impuestos y gastos\",\n                    data: [0], \/\/ Se actualizar\u00e1 din\u00e1micamente\n                    backgroundColor: \"rgba(0, 0, 0, 0.28)\"\n                }]\n            },\n            options: {\n                indexAxis: 'y',\n                scales: {\n                    x: {\n                        stacked: true,\n                        beginAtZero: true,\n                        ticks: {\n                            color: \"black\",\n                            callback: function(value) {\n                                return value.toLocaleString(\"es-ES\") + \" \u20ac\";\n                            }\n                        }\n                    },\n                    y: {\n                        stacked: true,\n                        ticks: {\n                            color: \"black\"\n                        },\n                        grid: {\n                            display: false\n                        }\n                    }\n                },\n                plugins: {\n                    legend: {\n                        display: true,\n                        position: \"top\",\n                        labels: {\n                            color: \"black\"\n                        }\n                    }\n                }\n            }\n        });\n        let graficoCosteTotalHipoteca = new Chart(ctx2, {\n            type: 'bar',\n            data: {\n                labels: [\"\"],\n                datasets: [{\n                    label: \"Ahorro aportado\",\n                    data: [0], \/\/ Se actualizar\u00e1 din\u00e1micamente\n                    backgroundColor: \"rgba(122, 18, 28, 0.22)\"\n                }, {\n                    label: \"Importe hipoteca\",\n                    data: [0], \/\/ Se actualizar\u00e1 din\u00e1micamente\n                    backgroundColor: \"rgba(122, 18, 28, 0.42)\"\n                }, {\n                    label: \"Intereses\",\n                    data: [0], \/\/ Se actualizar\u00e1 din\u00e1micamente\n                    backgroundColor: \"rgba(122, 18, 28, 0.62)\"\n                }]\n            },\n            options: {\n                indexAxis: 'y',\n                scales: {\n                    x: {\n                        stacked: true,\n                        beginAtZero: true,\n                        ticks: {\n                            color: \"black\",\n                            callback: function(value) {\n                                return value.toLocaleString(\"es-ES\") + \" \u20ac\";\n                            }\n                        }\n                    },\n                    y: {\n                        stacked: true,\n                        ticks: {\n                            color: \"black\"\n                        },\n                        grid: {\n                            display: false\n                        }\n                    }\n                },\n                plugins: {\n                    legend: {\n                        display: true,\n                        position: \"top\",\n                        labels: {\n                            color: \"black\"\n                        }\n                    }\n                }\n            }\n        });\n\n\n        calcularHipoteca(); \/\/ Calcular al cargar la p\u00e1gina\n    <\/script>\n    \n    <\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-64da32b e-con-full e-flex e-con e-child\" data-id=\"64da32b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<h2 \n\t\tdata-interaction-id=\"5cc7919\" \n\t\tclass=\"e-5cc7919-bddad32 e-heading-base\" \n\t\t \n\t\tdata-e-type=\"widget\" data-id=\"5cc7919\"\n\t>\n\t\n\t\t\tAdvantages of working with us\n\t\t<\/h2>\n\t\t<div class=\"elementor-element elementor-element-83fca15 e-grid e-con-full e-con e-child\" data-id=\"83fca15\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-cfe9f20 e-flex e-con-boxed e-con e-child\" data-id=\"cfe9f20\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t\t\t<h2 \n\t\tdata-interaction-id=\"279d43d\" \n\t\tclass=\"e-279d43d-7cd6eb4 e-heading-base\" \n\t\t \n\t\tdata-e-type=\"widget\" data-id=\"279d43d\"\n\t>\n\t\n\t\t\tImpartial advice\n\t\t<\/h2>\n\t\t\t\t\t\t\t\t<p class=\"e-4591266-b78d6da e-paragraph-base\" data-interaction-id=\"4591266\"  data-e-type=\"widget\" data-id=\"4591266\">\n\t\t\t\t\t\t\t\tBy collaborating with different banking entities, we always seek the best option for our clients by securing exclusive agreements.\n\t\t\t\t\t<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e151b47 e-con-full e-flex e-con e-child\" data-id=\"e151b47\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t\t\t<h2 \n\t\tdata-interaction-id=\"14752c1\" \n\t\tclass=\"e-14752c1-73961a8 e-heading-base\" \n\t\t \n\t\tdata-e-type=\"widget\" data-id=\"14752c1\"\n\t>\n\t\n\t\t\tSimple process\n\t\t<\/h2>\n\t\t\t\t\t\t\t\t<p class=\"e-dbe57f6-4591b8f e-paragraph-base\" data-interaction-id=\"dbe57f6\"  data-e-type=\"widget\" data-id=\"dbe57f6\">\n\t\t\t\t\t\t\t\tWe strive to make the process as simple and quick as possible, receiving offers immediately and with your approval within the same week.<br>\n\t\t\t\t\t<\/p>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6322eed e-con-full e-flex e-con e-child\" data-id=\"6322eed\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t\t\t<h2 \n\t\tdata-interaction-id=\"90e662c\" \n\t\tclass=\"e-90e662c-6b7f176 e-heading-base\" \n\t\t \n\t\tdata-e-type=\"widget\" data-id=\"90e662c\"\n\t>\n\t\n\t\t\tPersonalized service\n\t\t<\/h2>\n\t\t\t\t\t\t\t\t<p class=\"e-e558788-abc3e1a e-paragraph-base\" data-interaction-id=\"e558788\"  data-e-type=\"widget\" data-id=\"e558788\">\n\t\t\t\t\t\t\t\tWe take the time to get to know each client and their short and long-term goals.<br>\n\t\t\t\t\t<\/p>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d1714ee e-con-full e-flex e-con e-child\" data-id=\"d1714ee\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t\t\t<h2 \n\t\tdata-interaction-id=\"7ae6be9\" \n\t\tclass=\"e-7ae6be9-197b874 e-heading-base\" \n\t\t \n\t\tdata-e-type=\"widget\" data-id=\"7ae6be9\"\n\t>\n\t\n\t\t\tAnswering questions\n\t\t<\/h2>\n\t\t\t\t\t\t\t\t<p class=\"e-2f6df11-f0bd6c8 e-paragraph-base\" data-interaction-id=\"2f6df11\"  data-e-type=\"widget\" data-id=\"2f6df11\">\n\t\t\t\t\t\t\t\tDuring the mortgage application process, we will resolve any questions that may arise.<br>\n\t\t\t\t\t<\/p>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f06ca30 e-grid e-con-full e-con e-child\" data-id=\"f06ca30\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-b9026ed e-con-full e-flex e-con e-child\" data-id=\"b9026ed\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t\t\t<h2 \n\t\tdata-interaction-id=\"70b6838\" \n\t\tclass=\"e-70b6838-db8d4be e-heading-base\" \n\t\t \n\t\tdata-e-type=\"widget\" data-id=\"70b6838\"\n\t>\n\t\n\t\t\tFind your ideal home with us\n\t\t<\/h2>\n\t\t\t\t\t\t\t\t<p class=\"e-729a8ce-54343bf e-paragraph-base\" data-interaction-id=\"729a8ce\"  data-e-type=\"widget\" data-id=\"729a8ce\">\n\t\t\t\t\t\t\t\tWe have a wide portfolio of properties in the Maresme area, Barcelona and the Costa Brava. Take a look at our portfolio and choose from the wide variety of houses we have available.\n\t\t\t\t\t<\/p>\n\t\t\t\t\t    \t            <a\n            \t\t\thref=\"\/propiedades\"\n        target=\"_self\"\n            class=\"buttonHeader e-6425b72-42cb2ed e-button-base\"\n            data-interaction-id=\"6425b72\"\n             data-e-type=\"widget\" data-id=\"6425b72\" \n        >\n            VIEW PROPERTIES FOR SALE\n        <\/a>\n    \t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-895a5fa elementor-widget elementor-widget-image\" data-id=\"895a5fa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"534\" src=\"https:\/\/setclaus.owius.com\/wp-content\/uploads\/2026\/07\/1X3A7263-HDR-1024x683.jpg\" class=\"attachment-large size-large wp-image-3380\" alt=\"\" srcset=\"https:\/\/setclaus.owius.com\/wp-content\/uploads\/2026\/07\/1X3A7263-HDR-1024x683.jpg 1024w, https:\/\/setclaus.owius.com\/wp-content\/uploads\/2026\/07\/1X3A7263-HDR-300x200.jpg 300w, https:\/\/setclaus.owius.com\/wp-content\/uploads\/2026\/07\/1X3A7263-HDR-768x512.jpg 768w, https:\/\/setclaus.owius.com\/wp-content\/uploads\/2026\/07\/1X3A7263-HDR-1536x1024.jpg 1536w, https:\/\/setclaus.owius.com\/wp-content\/uploads\/2026\/07\/1X3A7263-HDR.jpg 1600w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-38e51f4 e-con-full height-fit-content e-flex elementor-invisible e-con e-child\" data-id=\"38e51f4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_offset&quot;:30,&quot;sticky_parent&quot;:&quot;yes&quot;,&quot;animation&quot;:&quot;fadeIn&quot;,&quot;sticky_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;],&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\">\n\t\t\t\t\t\t\t<h2 \n\t\tdata-interaction-id=\"c051f9e\" \n\t\tclass=\"e-c051f9e-5ac02de e-heading-base\" \n\t\t \n\t\tdata-e-type=\"widget\" data-id=\"c051f9e\"\n\t>\n\t\n\t\t\tReceive Personalized Offers\n\t\t<\/h2>\n\t\t<div class=\"elementor-element elementor-element-37d0596 e-con-full e-flex e-con e-child\" data-id=\"37d0596\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ed865e9 elementor-widget elementor-widget-heading\" data-id=\"ed865e9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Get personalized offers for your financing<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e8c5eb2 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"e8c5eb2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6MTk0MCwidG9nZ2xlIjpmYWxzZX0%3D\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">MORE INFORMATION<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<h2 \n\t\tdata-interaction-id=\"fba7e6e\" \n\t\tclass=\"e-fba7e6e-4061a1f e-heading-base\" \n\t\t \n\t\tdata-e-type=\"widget\" data-id=\"fba7e6e\"\n\t>\n\t\n\t\t\tFind your ideal home\n\t\t<\/h2>\n\t\t<div class=\"elementor-element elementor-element-495c9df e-con-full e-flex e-con e-child\" data-id=\"495c9df\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4ef4d8d elementor-widget elementor-widget-heading\" data-id=\"4ef4d8d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Discover the properties we have available<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0d89a3f elementor-align-center elementor-widget elementor-widget-button\" data-id=\"0d89a3f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/propiedades\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">VIEW PROPERTIES FOR SALE<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9db32a4 e-con-full e-flex e-con e-child\" data-id=\"9db32a4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5628fc8 elementor-widget elementor-widget-heading\" data-id=\"5628fc8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Be the first to discover new items, before they are listed<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1862c8c elementor-align-center elementor-widget elementor-widget-button\" data-id=\"1862c8c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6MTkzMCwidG9nZ2xlIjpmYWxzZX0%3D\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">BECOME A VIP CUSTOMER<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c43f61f e-con-full e-flex e-con e-child\" data-id=\"c43f61f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c7496ba elementor-widget elementor-widget-heading\" data-id=\"c7496ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Get personalized offers directly from a consultant.\nWe'll assign you one.<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a5dea4c elementor-align-center elementor-widget elementor-widget-button\" data-id=\"a5dea4c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6MTk0MCwidG9nZ2xlIjpmYWxzZX0%3D\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">CONTACT A CONSULTANT<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-449273b e-con-full e-flex e-con e-child\" data-id=\"449273b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-43a4232 e-con-full e-grid e-con e-child\" data-id=\"43a4232\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-8578990 e-con-full elementor-hidden-mobile e-flex e-con e-child\" data-id=\"8578990\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-80b94b7 e-con-full e-flex e-con e-child\" data-id=\"80b94b7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f38fda0 elementor-widget elementor-widget-html\" data-id=\"f38fda0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<script>document.addEventListener('DOMContentLoaded', function () {\r\n  function initCountryDropdown(dropdown) {\r\n    if (!dropdown || dropdown.dataset.initialized === 'true') return;\r\n\r\n    const trigger = dropdown.querySelector('.country-dropdown__trigger');\r\n    const options = dropdown.querySelectorAll('.country-option');\r\n    const phoneWrap = dropdown.closest('.phone-inline');\r\n    const hiddenPrefix = phoneWrap ? phoneWrap.querySelector('#prefijo_pais') : null;\r\n    const hiddenCountry = phoneWrap ? phoneWrap.querySelector('#pais_codigo') : null;\r\n    const selectedWrap = dropdown.querySelector('.country-dropdown__selected');\r\n\r\n    if (!trigger || !options.length || !hiddenPrefix || !hiddenCountry || !selectedWrap) return;\r\n\r\n    trigger.addEventListener('click', function (e) {\r\n      e.preventDefault();\r\n      e.stopPropagation();\r\n\r\n      document.querySelectorAll('.cf7-form-custom .country-dropdown.is-open').forEach(function (el) {\r\n        if (el !== dropdown) el.classList.remove('is-open');\r\n      });\r\n\r\n      dropdown.classList.toggle('is-open');\r\n      trigger.setAttribute('aria-expanded', dropdown.classList.contains('is-open') ? 'true' : 'false');\r\n    });\r\n\r\n    options.forEach(function (option) {\r\n      option.addEventListener('click', function () {\r\n        const value = this.dataset.value;\r\n        const country = this.dataset.country;\r\n        const flag = this.dataset.flag;\r\n        const label = this.dataset.label;\r\n\r\n        hiddenPrefix.value = value;\r\n        hiddenCountry.value = country;\r\n\r\n        selectedWrap.innerHTML = `\r\n          <img decoding=\"async\" src=\"${flag}\" alt=\"${label}\" class=\"country-flag\"><span class=\"country-code\">${value}<\/span>`;\r\n\r\n        dropdown.classList.remove('is-open');\r\n        trigger.setAttribute('aria-expanded', 'false');\r\n      });\r\n    });\r\n\r\n    dropdown.dataset.initialized = 'true';\r\n  }\r\n\r\n  function initAllCountryDropdowns() {\r\n    document.querySelectorAll('.cf7-form-custom .country-dropdown').forEach(initCountryDropdown);\r\n  }\r\n\r\n  document.addEventListener('click', function () {\r\n    document.querySelectorAll('.cf7-form-custom .country-dropdown.is-open').forEach(function (dropdown) {\r\n      dropdown.classList.remove('is-open');\r\n      const trigger = dropdown.querySelector('.country-dropdown__trigger');\r\n      if (trigger) trigger.setAttribute('aria-expanded', 'false');\r\n    });\r\n  });\r\n\r\n  initAllCountryDropdowns();\r\n\r\n  document.addEventListener('wpcf7submit', function () {\r\n    initAllCountryDropdowns();\r\n  }, false);\r\n});\r\n<\/script>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-20bfa2d e-con-full e-flex e-con e-child\" data-id=\"20bfa2d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<h2 \n\t\tdata-interaction-id=\"ba0014e\" \n\t\tclass=\"e-ba0014e-5ab8d38 e-heading-base\" \n\t\t \n\t\tdata-e-type=\"widget\" data-id=\"ba0014e\"\n\t>\n\t\n\t\t\tContact our team of experts\n\t\t<\/h2>\n\t\t\t\t<div class=\"elementor-element elementor-element-4910976 elementor-widget elementor-widget-shortcode\" data-id=\"4910976\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f1952-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"1952\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/en\/wp-json\/wp\/v2\/pages\/1975#wpcf7-f1952-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"1952\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.5\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f1952-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<\/fieldset>\n<div class=\"cf7-form-custom\">\n\t<div class=\"cf7-row two-cols\">\n\t\t<div class=\"cf7-field\">\n\t\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"nombre\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"First name\" value=\"\" type=\"text\" name=\"nombre\" \/><\/span>\n\t\t\t<\/p>\n\t\t<\/div>\n\t\t<div class=\"cf7-field\">\n\t\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"apellido\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Last name\" value=\"\" type=\"text\" name=\"apellido\" \/><\/span>\n\t\t\t<\/p>\n\t\t<\/div>\n\t<\/div>\n\t<div class=\"cf7-row\">\n\t\t<div class=\"cf7-field full\">\n\t\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Email address\" value=\"\" type=\"email\" name=\"email\" \/><\/span>\n\t\t\t<\/p>\n\t\t<\/div>\n\t<\/div>\n\t<div class=\"cf7-row two-cols phone-time-row\">\n\t\t<div class=\"cf7-field phone-col\">\n\t\t\t<div class=\"phone-inline\">\n\t\t\t\t<div class=\"country-dropdown\" data-value=\"+34\" data-country=\"ES\">\n\t\t\t\t\t<p><button type=\"button\" class=\"country-dropdown__trigger\" aria-expanded=\"false\"><br \/>\n<span class=\"country-dropdown__selected\"><img decoding=\"async\" src=\"https:\/\/flagcdn.com\/w20\/es.png\" alt=\"Spain\" class=\"country-flag\" \/><span class=\"country-code\">+34<\/span><\/span><br \/>\n<span class=\"country-arrow\"><\/span><br 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CONTACT US Mortgage simulator Advantages of working with us Impartial [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-1975","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Mortgages from 1.75% fixed | Setclaus Real Estate<\/title>\n<meta name=\"description\" content=\"Take advantage of our exclusive agreements with financial institutions and get your mortgage from 1.75% fixed. 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