{"id":2520,"date":"2020-09-27T12:07:42","date_gmt":"2020-09-27T19:07:42","guid":{"rendered":"https:\/\/www.dncu.com\/?p=2520"},"modified":"2024-10-30T11:32:24","modified_gmt":"2024-10-30T17:32:24","slug":"consejos-clave-para-la-refinanciacion-hipotecaria","status":"publish","type":"post","link":"https:\/\/www.dncu.com\/es\/blog\/key-tips-for-mortgage-refinancing\/","title":{"rendered":"Consejos clave para la refinanciaci\u00f3n hipotecaria"},"content":{"rendered":"

\u00bfEst\u00e1 considerando seriamente refinanciar su hipoteca? Podr\u00eda ser una decisi\u00f3n acertada. Con las tasas de inter\u00e9s en m\u00ednimos hist\u00f3ricos debido a las consecuencias econ\u00f3micas sin precedentes de la pandemia de COVID-19, muchos residentes de Nuevo M\u00e9xico est\u00e1n investigando el ahorro potencial que supone refinanciar su hipoteca.<\/p>\n

Como en todas las transacciones financieras importantes, conviene entender a qu\u00e9 se est\u00e1 comprometiendo uno. Comprender la terminolog\u00eda, el compromiso y el proceso que implica la refinanciaci\u00f3n de una hipoteca es fundamental para tomar la decisi\u00f3n correcta sobre lo que suele representar una de las mayores responsabilidades financieras en la vida de un consumidor.<\/p>\n

Aqu\u00ed hay algunos puntos clave a considerar al proceder con la refinanciaci\u00f3n de su hipoteca:<\/p>\n

Comprender la diferencia entre la TAE y los tipos de inter\u00e9s<\/h2>\n

La tasa de inter\u00e9s, ya sea fija o variable, representa el costo de financiar el capital del pr\u00e9stamo. Su pago mensual estar\u00e1 determinado por la tasa de inter\u00e9s y el capital adeudado.<\/p>\n

La TAE, expresada como porcentaje, mide los costes generales de un pr\u00e9stamo. Incluye el tipo de inter\u00e9s, las comisiones del intermediario, los puntos de descuento y algunos gastos de cierre. Dado que todos los prestamistas est\u00e1n obligados por ley a revelar la TAE conforme a la Ley Federal de Veracidad en los Pr\u00e9stamos, esta permite al prestatario comparar ciertos costes de los pr\u00e9stamos ofrecidos por diferentes entidades.<\/p>\n

Anticipando la duraci\u00f3n del proceso<\/h2>\n

Las solicitudes de refinanciamiento hipotecario suelen tardar entre 30 y 45 d\u00edas en completarse. Los pasos habituales para refinanciar una vivienda con \u00e9xito incluyen: completar la solicitud de pr\u00e9stamo, obtener estimaciones y divulgaciones, procesar el pr\u00e9stamo, cumplir con los posibles requisitos de tasaci\u00f3n, realizar la evaluaci\u00f3n crediticia y cerrar la operaci\u00f3n.<\/p>\n

Los propietarios pueden agilizar sus solicitudes de refinanciaci\u00f3n comprobando la exactitud de todos los datos de su solicitud, teniendo a mano los registros hist\u00f3ricos cuando se les soliciten, estando disponibles y siendo flexibles para cualquier tasaci\u00f3n necesaria y comunic\u00e1ndose de forma r\u00e1pida y eficaz con el prestamista cuando surjan necesidades.<\/p>\n

Conocer la diferencia entre el capital y el saldo a pagar<\/h2>\n

Hacia el final de un pr\u00e9stamo, algunos propietarios consideran realizar un pago final anticipado para liquidarlo. Sin embargo, el saldo final probablemente diferir\u00e1 del capital pendiente que aparece en el estado de cuenta. La diferencia entre ambos montos corresponde a los intereses que se acumulan diariamente. Algunos prestatarios tambi\u00e9n pueden estar sujetos a una penalizaci\u00f3n por pago anticipado, seg\u00fan las condiciones del pr\u00e9stamo.<\/p>\n

Para conocer el saldo pendiente, comun\u00edquese directamente con su prestamista. Considere la posibilidad de utilizar un pago electr\u00f3nico para liquidar el saldo y as\u00ed garantizar la entrega antes de la fecha de vencimiento acordada.<\/p>\n

El momento oportuno es crucial al refinanciar una hipoteca. Al mantenerse informados sobre las tasas de inter\u00e9s y comunicarse eficazmente con una entidad financiera confiable, los propietarios pueden beneficiarse del alivio financiero que conlleva la reestructuraci\u00f3n de la deuda.<\/p>\n

DNCU Mortgage forma parte de Del Norte Credit Union, una instituci\u00f3n financiera sin fines de lucro, propiedad de sus miembros, que valora la cultura y las tradiciones de Nuevo M\u00e9xico. Nuestra misi\u00f3n es mejorar la vida de nuestros miembros brind\u00e1ndoles asesor\u00eda financiera s\u00f3lida, imparcial y de primer nivel.<\/p>\n

Llame a DNCU al 877-818-DNCU hoy mismo o Haz clic aqu\u00ed para obtener m\u00e1s informaci\u00f3n sobre nuestra refinanciaci\u00f3n hipotecaria.<\/a>.<\/p>","protected":false},"excerpt":{"rendered":"

\u00bfEst\u00e1 considerando seriamente refinanciar su hipoteca? Podr\u00eda ser una decisi\u00f3n inteligente. Con las tasas de inter\u00e9s en m\u00ednimos hist\u00f3ricos debido a las consecuencias econ\u00f3micas sin precedentes de la pandemia de COVID-19, muchos residentes de Nuevo M\u00e9xico est\u00e1n investigando el ahorro potencial que supone refinanciar su hipoteca. Como en toda transacci\u00f3n financiera importante, es fundamental comprender a qu\u00e9 se compromete. Entender la terminolog\u00eda, el compromiso y\u2026 Contin\u00faa leyendo \u2192<\/span><\/a><\/p>","protected":false},"author":17,"featured_media":10659,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_searchwp_excluded":"","footnotes":""},"categories":[38,34],"tags":[],"class_list":["post-2520","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-borrow","category-mortgages"],"acf":[],"yoast_head":"\nDNCU | Key Tips For Mortgage Refinancing<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.dncu.com\/es\/blog\/consejos-clave-para-la-refinanciacion-hipotecaria\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"DNCU | Key Tips For Mortgage Refinancing\" \/>\n<meta property=\"og:description\" content=\"Actively considering refinancing your mortgage? It could be a smart move. With interest rates hitting new lows in response to the unprecedented economic consequences of the COVID19 pandemic, many New Mexicans are investigating the potential savings of a refinanced home mortgage. As with all major financial transactions, it pays to understand what you\u2019re agreeing to. 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