{"id":55,"date":"2025-11-11T07:50:33","date_gmt":"2025-11-11T07:50:33","guid":{"rendered":"https:\/\/misterhipotecas.es\/?page_id=55"},"modified":"2026-06-02T06:47:06","modified_gmt":"2026-06-02T06:47:06","slug":"inicio-personalizado","status":"publish","type":"page","link":"https:\/\/misterhipotecas.es\/en\/","title":{"rendered":"Inicio"},"content":{"rendered":"<div class=\"wp-block-cover alignwide is-light\"><span aria-hidden=\"true\" class=\"wp-block-cover__background has-background-dim-100 has-background-dim\" style=\"background-color:#ffffff\"><\/span><div class=\"wp-block-cover__inner-container is-layout-flow wp-block-cover-is-layout-flow\">\n<hr class=\"wp-block-separator has-alpha-channel-opacity liniea-empieza is-style-wide\" style=\"margin-top:0;margin-bottom:0\"\/>\n\n\n\n<!-- Secci\u00f3n Mister Hipotecas - Horizontal foto izquierda + texto con acentos m\u00ednimos en rojo -->\n<style>\n  .mh-presentacion,\n  .mh-presentacion * {\n    font-family: 'Roboto', sans-serif;\n  }\n.mh-justificado{\n  text-align: justify;\n  text-justify: inter-word;\n}\n  .mh-presentacion {\n    max-width: 1000px;\n    margin: 60px auto;\n    padding: 10px 20px 40px;\n    color: #222;\n    display: flex;\n    flex-wrap: nowrap;\n    gap: 40px;\n    align-items: center;\n  }\n\n  .mh-col-foto {\n    flex: 0 0 40%;\n    display: flex;\n    align-items: center;\n    justify-content: center;\n  }\n\n  .mh-col-texto {\n    flex: 1 1 60%;\n    padding-left: 28px;\n    border-left: 4px solid #e30613;\n  }\n\n  .mh-foto {\n    width: 100%;\n    max-height: 520px;\n    overflow: hidden;\n    border-radius: 12px;\n  }\n\n  .mh-foto img {\n    width: 100%;\n    height: 100%;\n    object-fit: cover;\n    display: block;\n    filter: drop-shadow(0 6px 12px rgba(0,0,0,0.15));\n  }\n\n  \/* Solo rojo en palabras clave *\/\n  .rojo {\n    color: #e30613;\n    font-weight: 700;\n  }\n\n  \/* Textos *\/\n  .mh-presentacion h2 {\n    font-size: 34px;\n    font-weight: 700;\n    margin-bottom: 6px;\n    color: #000;\n  }\n\n  .mh-presentacion h3 {\n    font-size: 22px;\n    font-weight: 600;\n    margin-bottom: 18px;\n    color: #444;\n  }\n\n  .mh-presentacion p {\n    font-size: 17px;\n    line-height: 1.55;\n    margin-bottom: 14px;\n  }\n\n  .mh-presentacion b {\n    font-weight: 600;\n  }\n\n  .mh-presentacion .mh-puntos {\n    margin: 18px 0 28px;\n    padding-left: 0;\n    list-style: none;\n    text-align: left;\n  }\n\n  .mh-presentacion .mh-puntos li {\n    margin-bottom: 10px;\n    font-size: 16px;\n    padding-left: 28px;\n    position: relative;\n  }\n\n  .mh-presentacion .mh-puntos li::before {\n    content: \"\u2714\ufe0f\";\n    position: absolute;\n    left: 0;\n    top: 0;\n  }\n\n  .mh-btn-contacto {\n    display: inline-block;\n    padding: 12px 28px;\n    background-color: #e30613;\n    color: white;\n    text-decoration: none;\n    font-weight: 600;\n    font-size: 16px;\n    border-radius: 8px;\n    border: 2px solid transparent;\n    transition: all 0.3s ease;\n  }\n\n  .mh-btn-contacto:hover {\n    background-color: white;\n    color: #e30613;\n    border-color: #e30613;\n    transform: translateY(-2px);\n  }\n\n  @media (max-width: 768px) {\n    .mh-presentacion {\n      flex-direction: column;\n      gap: 24px;\n      align-items: flex-start;\n    }\n\n    .mh-col-foto {\n      width: 100%;\n      justify-content: center;\n    }\n\n    .mh-foto img {\n      width: 100%;\n      transform: translateX(0);\n    }\n\n    .mh-col-texto {\n      padding-left: 0;\n      border-left: none;\n      border-top: 4px solid #e30613;\n      padding-top: 20px;\n      width: 100%;\n    }\n  }\n<\/style>\n\n<div class=\"mh-presentacion\">\n  <div class=\"mh-col-foto\">\n    <div class=\"mh-foto\">\n      <img decoding=\"async\" src=\"https:\/\/misterhipotecas.es\/wp-content\/uploads\/2026\/01\/Color-Editado-scaled.jpg\" alt=\"Miguel Cerezal - Mister Hipotecas\">\n    <\/div>\n  <\/div>\n\n  <div class=\"mh-col-texto\">\n    <h2 class=\"mh-justificado\"><span class=\"rojo\">Your mortgage<\/span>, without scares or surprises.<\/h2>\n\n    <h3 class=\"mh-justificado\">Clear information to help you make informed decisions.<\/h3>\n\n    <p class=\"mh-justificado\">\n      I am <b>Miguel Cerezal<\/b> , and I share practical information about buying property and mortgage financing, helping you understand the process and avoid costly mistakes\u2014without the hassle. <b class=\"rojo\">sin l\u00edos<\/b>.\n    <\/p>\n\n    <ul class=\"mh-puntos\">\n      <li>I explain key concepts and real mortgage terms.<\/li>\n      <li>I compare different options and scenarios using clear, straightforward figures.\n.<\/li>\n      <li>I guide you through each step and the required documentation, right up to signing.<\/li>\n    <\/ul>\n\n    <p><b>I give you clarity about your property and your mortgage.<\/b><\/p>\n  <\/div>\n<\/div>\n\n\n\n<!-- BLOQUE TRANSICI\u00d3N CENTRADO CON ANIMACI\u00d3N -->\n<style>\n  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transform: translateY(0);\n  }\n\n  .mh-centrado-icono {\n    display: flex;\n    justify-content: center;\n    margin-bottom: 10px;\n  }\n\n  .mh-centrado-icono svg {\n    width: 64px;\n    height: 64px;\n  }\n\n  .mh-kicker {\n    margin: 0 0 6px;\n    font-size: 14px;\n    color: #777;\n    text-transform: uppercase;\n    letter-spacing: 0.14em;\n    font-weight: 500;\n  }\n\n  .mh-transicion-pasos h2 {\n    margin: 0;\n    font-size: 28px;\n    font-weight: 700;\n    color: #111;\n  }\n\n  .mh-transicion-pasos h2 span {\n    color: #e30613;\n  }\n\n  @media (max-width: 768px) {\n    .mh-transicion-wrapper {\n      margin: 50px auto 30px;\n      padding: 0 10px;\n    }\n\n    .mh-transicion-pasos {\n      padding: 22px 20px 20px;\n    }\n\n    .mh-transicion-pasos h2 {\n      font-size: 22px;\n    }\n\n    .mh-centrado-icono svg {\n      width: 54px;\n      height: 54px;\n    }\n  }\n<\/style>\n\n<div class=\"mh-transicion-wrapper\">\n  <div class=\"mh-transicion-pasos\">\n    <div class=\"mh-centrado-icono\">\n      <!-- Icono casa -->\n      <svg viewbox=\"0 0 64 64\" aria-hidden=\"true\">\n        <g fill=\"none\" stroke-width=\"3\" stroke-linecap=\"round\" stroke-linejoin=\"round\">\n          <path d=\"M10 30 L32 12 L54 30\" stroke=\"#111\" \/>\n          <path d=\"M16 28 V52 H48 V28\" stroke=\"#111\" \/>\n          <rect x=\"27\" y=\"34\" width=\"10\" height=\"10\" stroke=\"#e30613\" \/>\n        <\/g>\n      <\/svg>\n    <\/div>\n\n    <p class=\"mh-kicker\">Your home, without the drama.<\/p>\n    <h2>Now <span>Begin<\/span> the important thing.<\/h2>\n  <\/div>\n<\/div>\n\n<script>\n  document.addEventListener('DOMContentLoaded', function () {\n    const bloque = document.querySelector('.mh-transicion-pasos');\n    if (!bloque) return;\n\n    const observer = new IntersectionObserver(\n      (entries) => {\n        entries.forEach((entry) => {\n          if (entry.isIntersecting) {\n            bloque.classList.add('is-visible');\n            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<h2>Your path to homeownership<\/h2>\n      <p>\n        I guide you through the entire process, from understanding how much you can borrow to signing before a notary. Three clear, secure steps, with no hidden conditions.\n      <\/p>\n      <div class=\"mh-subrayado\"><\/div>\n    <\/div>\n\n    <div class=\"mh-pasos-grid\">\n      <!-- PASO 1 -->\n      <article class=\"mh-paso-card\">\n        <div class=\"mh-paso-etiqueta\">Step 1<\/div>\n        <div class=\"mh-paso-numero\">1<\/div>\n        <div class=\"mh-paso-icono\">\ud83d\udcca<\/div>\n        <div class=\"mh-paso-titulo\">Economic viability<\/div>\n        <div class=\"mh-paso-subtitulo\">Total control of your numbers<\/div>\n        <p class=\"mh-paso-texto\">\n          The information I provide helps you assess your income, debts and savings, so you can understand how much you can safely borrow without putting your day-to-day finances at risk.\n        <\/p>\n      <\/article>\n\n      <!-- PASO 2 -->\n      <article class=\"mh-paso-card\">\n        <div class=\"mh-paso-etiqueta\">Step 2<\/div>\n        <div class=\"mh-paso-numero\">2<\/div>\n        <div class=\"mh-paso-icono\">\ud83c\udfe1<\/div>\n        <div class=\"mh-paso-titulo\">Housing and valuation<\/div>\n        <div class=\"mh-paso-subtitulo\">Decide with judgement, not with intuition<\/div>\n        <p class=\"mh-paso-texto\">\n          The guidance and criteria I share help you review the valuation, compare mortgage terms and understand which options are likely to suit your profile best.\n        <\/p>\n      <\/article>\n\n      <!-- PASO 3 -->\n      <article class=\"mh-paso-card\">\n        <div class=\"mh-paso-etiqueta\">Step 3<\/div>\n        <div class=\"mh-paso-numero\">3<\/div>\n        <div class=\"mh-paso-icono\">\u270d\ufe0f<\/div>\n        <div class=\"mh-paso-titulo\">Sign at a notary's office<\/div>\n        <div class=\"mh-paso-subtitulo\">You arrive at the signing with everything clear<\/div>\n        <p class=\"mh-paso-texto\">\n          The explanations I provide help you understand the agreement and every important detail before making a commitment, so you can sign with confidence and complete peace of mind.\n        <\/p>\n      <\/article>\n    <\/div>\n  <\/section>\n\n<\/body>\n<\/html>\n\n\n\n<style>\n\/* Fuente Roboto *\/\n@import url('https:\/\/fonts.googleapis.com\/css2?family=Roboto:wght@400;500;700&display=swap');\n\n.ruta-intro-wrap {\n  max-width: 960px;\n  margin: 60px auto 40px auto;\n  padding: 0 16px;\n}\n\n.ruta-intro {\n  background: #ffffff;\n  border-radius: 24px;\n  box-shadow: 0 18px 50px rgba(0, 0, 0, 0.08);\n  padding: 26px 32px 28px;\n  display: flex;\n  align-items: center;\n  gap: 20px;\n  font-family: 'Roboto', system-ui, -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;\n}\n\n.ruta-intro__icon {\n  width: 54px;\n  height: 54px;\n  border-radius: 999px;\n  display: flex;\n  align-items: center;\n  justify-content: center;\n  background: #f5f6fb;\n  font-size: 26px;\n  flex-shrink: 0;\n}\n\n.ruta-intro__top {\n  text-transform: uppercase;\n  letter-spacing: 0.12em;\n  font-size: 0.78rem;\n  color: #999999;\n  margin-bottom: 6px;\n  font-weight: 500;\n}\n\n.ruta-intro__main {\n  margin: 0;\n  font-size: 1.18rem;\n  line-height: 1.55;\n  color: #111111;\n}\n\n.ruta-intro__main strong {\n  font-weight: 700;\n  color: #e02020; \/* rojo acento *\/\n}\n\n\/* L\u00ednea de acento inferior *\/\n.ruta-intro-wrap::after {\n  content: \"\";\n  display: block;\n  width: 80px;\n  height: 3px;\n  border-radius: 999px;\n  background: #e02020;\n  margin: 18px auto 0 auto;\n  opacity: 0.9;\n}\n\n\/* Responsive *\/\n@media (max-width: 768px) {\n  .ruta-intro {\n    flex-direction: row;\n    align-items: flex-start;\n    padding: 20px 18px 22px;\n  }\n\n  .ruta-intro__icon {\n    width: 46px;\n    height: 46px;\n    font-size: 22px;\n  }\n\n  .ruta-intro__main {\n    font-size: 1.02rem;\n  }\n}\n\n@media (max-width: 540px) {\n  .ruta-intro {\n    flex-direction: column;\n    text-align: left;\n  }\n\n  .ruta-intro__icon {\n    align-self: flex-start;\n  }\n}\n<\/style>\n\n<div class=\"ruta-intro-wrap\">\n  <div class=\"ruta-intro\">\n    <div class=\"ruta-intro__icon\">\ud83d\udcac<\/div>\n    <div>\n      <div class=\"ruta-intro__top\">Do you want to know how much you can afford without jeopardising your finances?<\/div>\n      <p class=\"ruta-intro__main\">\n        Now that you know the three steps to your home, we'll begin with the first one:\n        <strong>Let's find out how much you can borrow from the bank.<\/strong>\n      <\/p>\n    <\/div>\n  <\/div>\n<\/div>\n\n\n\n<!-- Fuente Roboto (puedes ponerlo en el HEAD del tema si quieres) -->\n<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\n<link rel=\"preconnect\" href=\"https:\/\/fonts.gstatic.com\" crossorigin>\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Roboto:wght@300;400;500;700&#038;display=swap\" rel=\"stylesheet\">\n\n<style>\n@import url('https:\/\/fonts.googleapis.com\/css2?family=Roboto:wght@400;500;700&display=swap');\n  .mh-simulador-section{\n    position:relative;\n    padding:80px 20px;\n    color:#222;\n    text-align:center;\n    overflow:hidden;\n    background:#ffffff;\n    font-family:'Roboto', sans-serif;\n  }\n\n  .mh-simulador-overlay{\n    position:absolute;\n    inset:0;\n    pointer-events:none;\n  }\n  .mh-simulador-contenedor{\n    position:relative;\n    max-width:1100px;\n    margin:0 auto;\n  }\n  .mh-simulador-titulo{\n    margin:0 0 8px;\n    font-size:32px;\n    font-weight:700;\n  }\n  .mh-simulador-subtitulo{\n    margin:0 0 30px;\n    font-size:15px;\n    opacity:0.85;\n  }\n  .mh-simulador-card{\n    background:#fff;\n    color:#222;\n    border-radius:18px;\n    padding:30px 24px 26px;\n    box-shadow:0 18px 40px rgba(0,0,0,0.18);\n  }\n  .mh-simulador-grid{\n    display:grid;\n    grid-template-columns:repeat(2,1fr);\n    gap:18px;\n  }\n  @media (max-width:700px){\n    .mh-simulador-grid{\n      grid-template-columns:1fr;\n    }\n  }\n  .mh-simulador-campo{\n    background:#fafafa;\n    border-radius:14px;\n    padding:16px 14px 18px;\n    box-shadow:0 8px 18px rgba(0,0,0,0.04);\n  }\n  .mh-simulador-paso-num{\n    display:block;\n    font-size:22px;\n    font-weight:700;\n    color:#e30613;\n  }\n  .mh-simulador-paso-titulo{\n    display:block;\n    font-size:15px;\n    font-weight:600;\n    margin-bottom:8px;\n  }\n  .mh-simulador-label{\n    display:block;\n    font-size:13px;\n    color:#666;\n    margin-bottom:4px;\n    text-align:left;\n  }\n  .mh-simulador-campo input{\n    width:100%;\n    padding:9px 10px;\n    border-radius:10px;\n    border:1px solid #ddd;\n    font-size:14px;\n    box-sizing:border-box;\n  }\n  .mh-simulador-boton{\n    margin:20px auto 0;\n    display:inline-block;\n    padding:10px 30px;\n    border:none;\n    border-radius:999px;\n    background:#e30613;\n    color:#fff;\n    font-size:16px;\n    font-weight:600;\n    cursor:pointer;\n    transition:transform .12s ease, box-shadow .12s ease, background .12s ease;\n  }\n  .mh-simulador-boton:hover{\n    background:#c10510;\n    box-shadow:0 10px 20px rgba(0,0,0,0.16);\n    transform:translateY(-1px);\n  }\n\n  .mh-simulador-resultados{\n    margin-top:20px;\n    text-align:left;\n    font-size:14px;\n    background:#fafafa;\n    border-radius:14px;\n    padding:16px 18px;\n    border:1px solid #eee;\n    opacity:0;\n    transform:translateY(6px);\n    transition:opacity .25s ease, transform .25s ease;\n  }\n  .mh-simulador-resultados-visible{\n    opacity:1;\n    transform:translateY(0);\n  }\n  .mh-simulador-resultados h3{\n    margin:0 0 10px;\n    font-size:18px;\n  }\n  .mh-simulador-resultados p{\n    margin:3px 0;\n  }\n  .mh-simulador-nota{\n    margin-top:12px;\n    font-size:12px;\n    color:#777;\n  }\n\n  .mh-simulador-resumen{\n    margin:8px 0 14px;\n    padding:10px 12px;\n    border-radius:10px;\n    font-size:13px;\n    line-height:1.4;\n  }\n  .mh-simulador-resumen-ok{\n    background:#e7f7ec;\n    border-left:4px solid #238636;\n    color:#145524;\n  }\n  .mh-simulador-resumen-alto{\n    background:#ffeceb;\n    border-left:4px solid #e30613;\n    color:#a10a15;\n  }\n\n  .mh-simulador-ratio-ok{\n    color:#238636;\n    font-weight:600;\n    margin-left:4px;\n  }\n  .mh-simulador-ratio-alto{\n    color:#e30613;\n    font-weight:600;\n    margin-left:4px;\n  }\n<\/style>\n\n<section class=\"mh-simulador-section\">\n  <div class=\"mh-simulador-overlay\"><\/div>\n\n  <div class=\"mh-simulador-contenedor\">\n <h2 class=\"mh-simulador-titulo\">A mortgage can be your best decision\u2026 or the most expensive one of your life.<\/h2>\n<p class=\"mh-simulador-subtitulo\">\n  Run a simulation of your situation and see how far you can go without exceeding 35% of your income.\n<\/p>\n\n\n    <div class=\"mh-simulador-card\">\n      <div class=\"mh-simulador-grid\">\n        <!-- Ingresos -->\n        <div class=\"mh-simulador-campo\">\n          <span class=\"mh-simulador-paso-num\">1<\/span>\n          <span class=\"mh-simulador-paso-titulo\">Income<\/span>\n          <label>\n            <span class=\"mh-simulador-label\">\n              Monthly household net income (\u00a3)\n            <\/span>\n            <input id=\"hip-ingresos\" type=\"number\" min=\"0\" step=\"50\" value=\"2000\" \/>\n          <\/label>\n        <\/div>\n\n        <!-- Importe deseado -->\n        <div class=\"mh-simulador-campo\">\n          <span class=\"mh-simulador-paso-num\">2<\/span>\n          <span class=\"mh-simulador-paso-titulo\">Mortgage amount<\/span>\n          <label>\n            <span class=\"mh-simulador-label\">\n              Mortgage amount\n            <\/span>\n            <input id=\"hip-importe\" type=\"number\" min=\"0\" step=\"1000\" value=\"150000\" \/>\n          <\/label>\n        <\/div>\n\n        <!-- Plazo -->\n        <div class=\"mh-simulador-campo\">\n          <span class=\"mh-simulador-paso-num\">3<\/span>\n          <span class=\"mh-simulador-paso-titulo\">Term<\/span>\n          <label>\n            <span class=\"mh-simulador-label\">Term (years)<\/span>\n            <input id=\"hip-plazo\" type=\"number\" min=\"1\" max=\"40\" step=\"1\" value=\"30\" \/>\n          <\/label>\n        <\/div>\n\n        <!-- Inter\u00e9s -->\n        <div class=\"mh-simulador-campo\">\n          <span class=\"mh-simulador-paso-num\">4<\/span>\n          <span class=\"mh-simulador-paso-titulo\">Interest<\/span>\n          <label>\n            <span class=\"mh-simulador-label\">Annual interest rate (% TIN)<\/span>\n            <input id=\"hip-interes\" type=\"number\" min=\"0\" step=\"0.01\" value=\"3\" \/>\n          <\/label>\n        <\/div>\n      <\/div>\n\n      <!-- AQU\u00cd volvemos a usar onclick directo -->\n      <button type=\"button\" class=\"mh-simulador-boton\" onclick=\"calcularHipotecaMister()\">\n        Check affordability\n      <\/button>\n\n      <div id=\"hip-resultados\" class=\"mh-simulador-resultados\" style=\"display:none;\">\n        <h3>Economic viability results<\/h3>\n\n        <div id=\"hip-resumen-viabilidad\" class=\"mh-simulador-resumen\" style=\"display:none;\">\n          <strong id=\"hip-resumen-texto\"><\/strong>\n        <\/div>\n\n        <p><strong>Net monthly income<\/strong> <span id=\"hip-ingresos-mostrar\"><\/span> \u20ac<\/p>\n        <p><strong>Recommended maximum contribution (35% income):<\/strong> <span id=\"hip-cuota-max\"><\/span> \u20ac<\/p>\n        <p><strong>Maximum approximate mortgage import:<\/strong> <span id=\"hip-importe-max\"><\/span> \u20ac<\/p>\n\n        <br>\n\n        <p><strong>Monthly payment for the indicated amount:<\/strong> <span id=\"hip-cuota\"><\/span> \u20ac<\/p>\n        <p>\n          <strong>Gearing ratio<\/strong>\n          <span id=\"hip-ratio\"><\/span>\n          <span id=\"hip-ratio-estado\"><\/span>\n        <\/p>\n        <p><strong>Total paid (amount shown):<\/strong> <span id=\"hip-total\"><\/span> \u20ac<\/p>\n        <p><strong>Total interest (amount indicated):<\/strong> <span id=\"hip-intereses\"><\/span> \u20ac<\/p>\n\n        <p class=\"mh-simulador-nota\">\n          * Indicative calculation of economic viability with a debt ratio of 0.35. This does not constitute a binding offer.\n          For a detailed study, contact Mister Hipotecas.\n        <\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<script>\n  function calcularHipotecaMister(){\n    var ingresos = parseFloat(document.getElementById('hip-ingresos').value);\n    var importe = parseFloat(document.getElementById('hip-importe').value);\n    var plazoAnos = parseFloat(document.getElementById('hip-plazo').value);\n    var interesAnual = parseFloat(document.getElementById('hip-interes').value);\n\n    if (isNaN(ingresos) || ingresos <= 0){\n      alert('Introduce unos ingresos mensuales netos v\u00e1lidos.');\n      return;\n    }\n    if (isNaN(plazoAnos) || plazoAnos <= 0){\n      alert('Introduce un plazo en a\u00f1os v\u00e1lido.');\n      return;\n    }\n    if (isNaN(interesAnual) || interesAnual < 0){\n      alert('Introduce un tipo de inter\u00e9s anual v\u00e1lido.');\n      return;\n    }\n\n    var n = plazoAnos * 12;\n    var i = interesAnual \/ 100 \/ 12;\n\n    var cuotaMax = ingresos * 0.35;\n    var importeMax;\n\n    if (i === 0){\n      importeMax = cuotaMax * n;\n    } else {\n      var factor = Math.pow(1 + i, n);\n      importeMax = cuotaMax * (factor - 1) \/ (i * factor);\n    }\n\n    var cuota = NaN;\n    var totalPagado = NaN;\n    var interesesTotales = NaN;\n    var ratioEndeudamiento = NaN;\n\n    if (!isNaN(importe) &#038;&#038; importe > 0){\n      if (i === 0){\n        cuota = importe \/ n;\n      } else {\n        cuota = importe * (i * Math.pow(1 + i, n)) \/ (Math.pow(1 + i, n) - 1);\n      }\n      totalPagado = cuota * n;\n      interesesTotales = totalPagado - importe;\n      ratioEndeudamiento = cuota \/ ingresos;\n    }\n\n    document.getElementById('hip-ingresos-mostrar').textContent = ingresos.toFixed(2);\n    document.getElementById('hip-cuota-max').textContent = cuotaMax.toFixed(2);\n    document.getElementById('hip-importe-max').textContent = importeMax.toFixed(2);\n\n    document.getElementById('hip-cuota').textContent =\n      isNaN(cuota) ? '\u2014' : cuota.toFixed(2);\n    document.getElementById('hip-total').textContent =\n      isNaN(totalPagado) ? '\u2014' : totalPagado.toFixed(2);\n    document.getElementById('hip-intereses').textContent =\n      isNaN(interesesTotales) ? '\u2014' : interesesTotales.toFixed(2);\n\n    var ratioSpan = document.getElementById('hip-ratio');\n    var ratioEstadoSpan = document.getElementById('hip-ratio-estado');\n    var resumenCaja = document.getElementById('hip-resumen-viabilidad');\n    var resumenTexto = document.getElementById('hip-resumen-texto');\n\n    if (!isNaN(ratioEndeudamiento)){\n      var ratioPorc = (ratioEndeudamiento * 100).toFixed(1) + '%';\n      ratioSpan.textContent = ratioPorc;\n\n      if (ratioEndeudamiento <= 0.35){\n        ratioEstadoSpan.textContent = ' (dentro del 35% recomendado)';\n        ratioEstadoSpan.className = 'mh-simulador-ratio-ok';\n\n        resumenTexto.textContent = '\u2705 Buena viabilidad: la cuota est\u00e1 dentro del 35% de tus ingresos. En principio es una hipoteca asumible.';\n        resumenCaja.className = 'mh-simulador-resumen mh-simulador-resumen-ok';\n      } else {\n        ratioEstadoSpan.textContent = ' (supera el 35% recomendado)';\n        ratioEstadoSpan.className = 'mh-simulador-ratio-alto';\n\n        resumenTexto.textContent = '\u26a0\ufe0f Viabilidad ajustada: la cuota supera el 35% de tus ingresos. Valora reducir importe, ampliar plazo o mejorar condiciones.';\n        resumenCaja.className = 'mh-simulador-resumen mh-simulador-resumen-alto';\n      }\n\n      resumenCaja.style.display = 'block';\n    } else {\n      ratioSpan.textContent = '\u2014';\n      ratioEstadoSpan.textContent = '';\n      ratioEstadoSpan.className = '';\n      resumenCaja.style.display = 'none';\n    }\n\n    var resultadosDiv = document.getElementById('hip-resultados');\n    resultadosDiv.style.display = 'block';\n    resultadosDiv.classList.add('mh-simulador-resultados-visible');\n\n    if (resultadosDiv.scrollIntoView){\n      resultadosDiv.scrollIntoView({ behavior: 'smooth', block: 'start' });\n    }\n  }\n<\/script>\n\n\n\n<style>\n\/* Fuente Roboto *\/\n@import url('https:\/\/fonts.googleapis.com\/css2?family=Roboto:wght@400;500;700&display=swap');\n\n.ruta-intro-wrap {\n  max-width: 960px;\n  margin: 60px auto 40px auto;\n  padding: 0 16px;\n}\n\n.ruta-intro {\n  background: #ffffff;\n  border-radius: 24px;\n  box-shadow: 0 18px 50px rgba(0, 0, 0, 0.08);\n  padding: 26px 32px 28px;\n  display: flex;\n  align-items: center;\n  gap: 20px;\n  font-family: 'Roboto', system-ui, -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;\n}\n\n.ruta-intro__icon {\n  width: 54px;\n  height: 54px;\n  border-radius: 999px;\n  display: flex;\n  align-items: center;\n  justify-content: center;\n  background: #f5f6fb;\n  font-size: 26px;\n  flex-shrink: 0;\n}\n\n.ruta-intro__top {\n  text-transform: uppercase;\n  letter-spacing: 0.12em;\n  font-size: 0.78rem;\n  color: #999999;\n  margin-bottom: 6px;\n  font-weight: 500;\n}\n\n.ruta-intro__main {\n  margin: 0;\n  font-size: 1.18rem;\n  line-height: 1.55;\n  color: #111111;\n}\n\n.ruta-intro__main strong {\n  font-weight: 700;\n  color: #e02020; \/* rojo acento *\/\n}\n\n\/* L\u00ednea de acento inferior *\/\n.ruta-intro-wrap::after {\n  content: \"\";\n  display: block;\n  width: 80px;\n  height: 3px;\n  border-radius: 999px;\n  background: #e02020;\n  margin: 18px auto 0 auto;\n  opacity: 0.9;\n}\n\n\/* Responsive *\/\n@media (max-width: 768px) {\n  .ruta-intro {\n    flex-direction: row;\n    align-items: flex-start;\n    padding: 20px 18px 22px;\n  }\n\n  .ruta-intro__icon {\n    width: 46px;\n    height: 46px;\n    font-size: 22px;\n  }\n\n  .ruta-intro__main {\n    font-size: 1.02rem;\n  }\n}\n\n@media (max-width: 540px) {\n  .ruta-intro {\n    flex-direction: column;\n    text-align: left;\n  }\n\n  .ruta-intro__icon {\n    align-self: flex-start;\n  }\n}\n<\/style>\n\n<div class=\"ruta-intro-wrap\">\n  <div class=\"ruta-intro\">\n    <div class=\"ruta-intro__icon\">\ud83d\udcc8<\/div>\n    <div>\n      <div class=\"ruta-intro__top\">From simulation to market reality<\/div>\n      <p class=\"ruta-intro__main\">\n        Your simulation tells you if the mortgage fits your budget.\nThe evolution of Euribor tells you what risk you are taking in the future:\n        <strong>Check the current Euribor rate here before making a decision.<\/strong>\n      <\/p>\n    <\/div>\n  <\/div>\n<\/div>\n\n\n\n    <section class=\"mh-euribor-simple\">\n      <div class=\"mh-euribor-header\">\n        <h2>Today\u2019s Euribor rate<\/h2>\n        <p>Bear in mind the actual value of Euribor before deciding how much mortgage to take on.<\/p>\n        <div class=\"mh-subrayado\"><\/div>\n      <\/div>\n\n      <div class=\"mh-euribor-card\">\n        <div class=\"mh-euribor-left\">\n          <div class=\"mh-euribor-label\">12-month Euribor<\/div>\n\n          <div class=\"mh-euribor-value-row\">\n            <div class=\"mh-euribor-value\">2.939<\/div>\n            <div class=\"mh-euribor-unit\">% <\/div>\n          <\/div>\n\n          <div class=\"mh-euribor-date\">\n                          Latest update\n                      <\/div>\n        <\/div>\n\n        <p class=\"mh-euribor-text\">\n          This index is the main reference for many variable-rate mortgages.\n          <strong>If the Euribor increases, your instalment may increase<\/strong>, which is why it is important\n          to look at it before (and after) you do your mortgage simulation.\n        <\/p>\n      <\/div>\n\n      <p class=\"mh-euribor-source\">\n        Source: daily data from\n        <a href=\"https:\/\/www.euribor.com.es\/euribor-hoy\/\" target=\"_blank\" rel=\"noopener noreferrer\">Euribor.com.es<\/a>.\n      <\/p>\n    <\/section>\n\n    \n\n\n\n<style>\n\/* Fuente Roboto (igual que el otro bloque) *\/\n@import url('https:\/\/fonts.googleapis.com\/css2?family=Roboto:wght@400;500;700&display=swap');\n\n.video-intro-wrap {\n  max-width: 960px;\n  margin: 60px auto 40px auto;\n  padding: 0 16px;\n  font-family: 'Roboto', system-ui, -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;\n}\n\n.video-intro {\n  background: #ffffff;\n  border-radius: 24px;\n  box-shadow: 0 18px 50px rgba(0, 0, 0, 0.08);\n  padding: 24px 28px 24px;\n  display: flex;\n  align-items: center;\n  gap: 20px;\n}\n\n\/* Icono redondo tipo el bloque de arriba *\/\n.video-intro__icon {\n  width: 54px;\n  height: 54px;\n  border-radius: 999px;\n  display: flex;\n  align-items: center;\n  justify-content: center;\n  background: #f5f6fb;\n  font-size: 26px;\n  flex-shrink: 0;\n}\n\n\/* Columna izquierda *\/\n.video-intro__left {\n  flex: 2;\n}\n\n.video-intro__top {\n  text-transform: uppercase;\n  letter-spacing: 0.12em;\n  font-size: 0.78rem;\n  color: #b5b7bd;          \/* GRIS clarito como el bloque que quieres *\/\n  margin-bottom: 6px;\n  font-weight: 500;\n}\n\n.video-intro__title {\n  margin: 0 0 4px;\n  font-size: 1.05rem;\n  font-weight: 700;\n  color: #e02020;          \/* rojo marca *\/\n}\n\n.video-intro__main {\n  margin: 0;\n  font-size: 0.96rem;\n  line-height: 1.6;\n  color: #333333;\n  text-align: justify;\n}\n\n.video-intro__main strong {\n  font-weight: 700;\n  color: #e02020;\n}\n\n\/* Columna derecha *\/\n.video-intro__right {\n  flex: 1.3;\n  text-align: right;\n}\n\n.video-intro__btn {\n  display: inline-block;\n  padding: 9px 22px;\n  border-radius: 999px;\n  background: #e02020;\n  color: #ffffff;\n  font-size: 0.9rem;\n  font-weight: 500;\n  text-decoration: none;\n  margin-bottom: 6px;\n}\n\n.video-intro__btn:hover {\n  opacity: 0.9;\n}\n\n.video-intro__small {\n  margin: 0;\n  font-size: 0.8rem;\n  color: #777777;\n}\n\n\/* L\u00ednea inferior roja *\/\n.video-intro-wrap::after {\n  content: \"\";\n  display: block;\n  width: 80px;\n  height: 3px;\n  border-radius: 999px;\n  background: #e02020;\n  margin: 18px auto 0 auto;\n  opacity: 0.9;\n}\n\n\/* Responsive *\/\n@media (max-width: 768px) {\n  .video-intro {\n    flex-direction: column;\n    align-items: flex-start;\n    padding: 20px 18px 22px;\n  }\n\n  .video-intro__right {\n    text-align: left;\n    width: 100%;\n  }\n}\n.video-intro__icon--youtube {\n  background: #ffecec;\n}\n\n.video-intro__icon--youtube svg {\n  width: 26px;\n  height: 26px;\n  fill: #e02020;\n}\n\n<\/style>\n\n<div class=\"video-intro-wrap\">\n  <div class=\"video-intro\">\n    <div class=\"video-intro__icon video-intro__icon--youtube\">\n  <svg viewbox=\"0 0 24 24\" aria-hidden=\"true\">\n    <path d=\"M23.5 6.2s-.2-1.7-.8-2.4c-.8-.9-1.7-.9-2.1-1C17.7 2.5 12 2.5 12 2.5h0s-5.7 0-8.6.3c-.4.1-1.3.1-2.1 1-.6.7-.8 2.4-.8 2.4S0 8.1 0 10v2c0 1.9.5 3.8.5 3.8s.2 1.7.8 2.4c.8.9 1.9.9 2.4 1 1.8.2 7.6.3 8.3.3 0 0 5.7 0 8.6-.3.4-.1 1.3-.1 2.1-1 .6-.7.8-2.4.8-2.4s.5-1.9.5-3.8v-2c0-1.9-.5-3.8-.5-3.8zM9.5 14.6V8.7l5.3 3-5.3 2.9z\"\/>\n  <\/svg>\n<\/div>\n\n\n    <div class=\"video-intro__left\">\n      <div class=\"video-intro__top\">In video, without technical terms<\/div>\n      <h3 class=\"video-intro__title\">Would you prefer me to tell you?<\/h3>\n      <p class=\"video-intro__main\">\n        Sometimes, understanding your mortgage is easier when someone explains it to you without the jargon. In this video, I'll teach you, step by step, what you should consider before signing and how to avoid the most common mistakes. <strong>Search, clearly and without fuss.<\/strong>\n      <\/p>\n    <\/div>\n\n    <div class=\"video-intro__right\">\n      <a href=\"https:\/\/www.youtube.com\/@MisterHipotecas\" target=\"_blank\" rel=\"noopener\" class=\"video-intro__btn\">\n        Watch video on YouTube\n      <\/a>\n      <p class=\"video-intro__small\">\n        So you understand what's important in under 3 minutes.\n      <\/p>\n    <\/div>\n  <\/div>\n<\/div>\n\n\n\n<style>\n.mh-nextline{\n  max-width: 960px;\n  margin: 10px auto 0;\n  padding: 0 16px;\n  font-family: 'Roboto', system-ui, -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;\n  text-align: center;\n}\n\n.mh-nextline__link{\n  display: inline-flex;\n  align-items: center;\n  justify-content: center;\n  gap: 8px;\n  font-weight: 700;\n  text-decoration: none;\n  color: #111;\n  line-height: 1.35;\n}\n\n.mh-nextline__link strong{ color:#e02020; }\n\n.mh-nextline__link:hover{\n  text-decoration: underline;\n  text-decoration-thickness: 2px;\n  text-underline-offset: 3px;\n}\n\n.mh-nextline__link:focus-visible{\n  outline: 3px solid rgba(224,32,32,.35);\n  outline-offset: 4px;\n  border-radius: 999px;\n}\n\n\/* \u2705 M\u00f3vil *\/\n@media (max-width: 540px){\n  .mh-nextline{ margin: 14px auto 0; }\n\n  .mh-nextline__link{\n    width: 100%;\n    justify-content: center;\n    flex-wrap: wrap;              \/* permite que el texto salte de l\u00ednea *\/\n    text-align: center;\n    padding: 12px 14px;           \/* \u00e1rea \u201cclicable\u201d grande *\/\n    border-radius: 999px;\n    background: #ffffff;\n    box-shadow: 0 10px 26px rgba(0,0,0,.06);\n    font-size: 0.98rem;\n  }\n\n  .mh-nextline__link:hover{\n    text-decoration: none;        \/* en m\u00f3vil queda m\u00e1s limpio como bot\u00f3n *\/\n  }\n}\n<\/style>\n\n<div class=\"mh-nextline\">\n  <a class=\"mh-nextline__link\" href=\"#form-caso\">\n    If you've made it this far, you've earned it: <strong>Tell me your case<\/strong> <span aria-hidden=\"true\">\u2193<\/span>\n  <\/a>\n<\/div>\n\n\n\n\n\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f621-o1\" lang=\"es-ES\" dir=\"ltr\" data-wpcf7-id=\"621\">\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\/55#wpcf7-f621-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Formulario de contacto\" novalidate=\"novalidate\" data-status=\"init\" data-trp-original-action=\"\/en\/wp-json\/wp\/v2\/pages\/55#wpcf7-f621-o1\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"621\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.7\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"es_ES\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f621-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<\/fieldset>\n<div class=\"mh-form mh-form-card\">\n\t<div class=\"mh-form-head\">\n\t\t<h2 class=\"mh-form-h2\"><span class=\"mh-accent\">Let's start<\/span> with your situation\n\t\t<\/h2>\n\t\t<p class=\"mh-form-sub\">Tell me four key details and I\u2019ll guide you through the next step.\n\t\t<\/p>\n\t<\/div>\n\t<div class=\"mh-form-grid\">\n\t\t<p><br \/>\n<label>Full name*<\/label><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"nombre_apellidos\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" autocomplete=\"name\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Your first and last name\" value=\"\" type=\"text\" name=\"nombre_apellidos\" \/><\/span>\n\t\t<\/p>\n\t\t<p><br \/>\n<label>Email<\/label><br \/>\n<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\" autocomplete=\"email\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Your email\" value=\"\" type=\"email\" name=\"email\" \/><\/span>\n\t\t<\/p>\n\t\t<p class=\"mh-form-full\"><br \/>\n<label>Tell me your case (optional)<\/label><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"mensaje\"><textarea cols=\"40\" rows=\"10\" maxlength=\"2000\" class=\"wpcf7-form-control wpcf7-textarea\" aria-invalid=\"false\" placeholder=\"I&#039;m a large language model, trained by Google.\" name=\"mensaje\"><\/textarea><\/span>\n\t\t<\/p>\n\t\t<p class=\"mh-form-full mh-rgpd\"><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"rgpd\"><span class=\"wpcf7-form-control wpcf7-checkbox wpcf7-validates-as-required\"><span class=\"wpcf7-list-item first last\"><label><input 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