{"id":2743,"date":"2020-01-01T01:00:32","date_gmt":"2020-01-01T08:00:32","guid":{"rendered":"https:\/\/www.dncu.com\/?p=2743"},"modified":"2024-07-03T15:55:55","modified_gmt":"2024-07-03T21:55:55","slug":"prestamos-hipotecarios-2","status":"publish","type":"post","link":"https:\/\/www.dncu.com\/es\/blog\/mortgage-loans\/","title":{"rendered":"Pr\u00e9stamos hipotecarios"},"content":{"rendered":"<p>\u00bfListo para comprar la casa de tus sue\u00f1os? \u00a1Felicidades! Es un momento emocionante y en Del Norte Credit Union estamos deseando trabajar contigo. Estamos aqu\u00ed para ayudarte a cumplir tu sue\u00f1o de tener una vivienda propia. Independientemente de tus necesidades de financiamiento, podemos ayudarte a elegir entre los mejores tipos de pr\u00e9stamos hipotecarios en Nuevo M\u00e9xico.<\/p>\n<h2>\u00bfQu\u00e9 es una hipoteca?<\/h2>\n<p>Una hipoteca, tambi\u00e9n conocida como pr\u00e9stamo para vivienda, se utiliza para comprar o refinanciar una casa. Es un documento legal que formaliza un acuerdo entre usted y una entidad financiera. Mediante este acuerdo, usted recibe un pago por adelantado por la compra de la vivienda, el cual se compromete a devolver.<\/p>\n<p>Si la hipoteca no est\u00e1 asegurada por el gobierno federal, se denomina pr\u00e9stamo convencional. El plazo t\u00edpico de un contrato de arrendamiento es de 15, 30 o 40 a\u00f1os. Las hipotecas son una opci\u00f3n popular para quienes desean comprar una vivienda, ya que les brindan acceso a la financiaci\u00f3n necesaria para alcanzar el sue\u00f1o americano.<\/p>\n<h2>\u00bfQu\u00e9 es un pagar\u00e9?<\/h2>\n<p>Un pagar\u00e9 es un documento legal que se incluye con toda hipoteca. Al firmar este pagar\u00e9, usted se compromete a pagar el pr\u00e9stamo hipotecario en su totalidad, incluyendo los intereses.<\/p>\n<h2>\u00bfQu\u00e9 incluye el pago de una hipoteca?<\/h2>\n<p>Existen diferentes tipos de <a href=\"https:\/\/www.dncu.com\/es\/personal\/prestamos-hipotecarios\/\">pr\u00e9stamos hipotecarios en Nuevo M\u00e9xico<\/a>. A pesar de ello, generalmente incluyen los mismos elementos en lo que respecta a los pagos mensuales de la hipoteca. A continuaci\u00f3n, le ofrecemos un breve resumen de lo que puede esperar.<\/p>\n<h3>Principal<\/h3>\n<p>El capital se refiere al saldo pendiente de su hipoteca despu\u00e9s de haber realizado los pagos. Por ejemplo, si solicit\u00f3 un pr\u00e9stamo de $300,000 para comprar su casa y pag\u00f3 $33,000, el saldo restante de $267,000 es el capital a pagar.<\/p>\n<h3>Inter\u00e9s<\/h3>\n<p>Los tipos de inter\u00e9s se aplican a todas las hipotecas y determinan cu\u00e1nto pagas cada mes. Un tipo de inter\u00e9s es el fijo, lo que significa que el inter\u00e9s se mantiene igual durante toda la vigencia del pr\u00e9stamo, por lo que tus cuotas no cambian. El otro tipo es el inter\u00e9s variable. Con este tipo de inter\u00e9s, las tasas fluct\u00faan a lo largo del pr\u00e9stamo. Por lo tanto, tu cuota hipotecaria mensual variar\u00e1 con el tiempo.<\/p>\n<h3>impuestos<\/h3>\n<p>Los impuestos sobre la vivienda deben pagarse. Los prestamistas le ofrecen la opci\u00f3n de que ellos se encarguen de recaudar sus impuestos sobre la propiedad, los cuales se depositan en una cuenta de garant\u00eda bloqueada. Cuando vence el plazo para pagar los impuestos, el prestamista realiza el pago por usted. Este es un servicio conveniente que le brinda tranquilidad al saber que este aspecto de la propiedad de la vivienda est\u00e1 cubierto autom\u00e1ticamente.<\/p>\n<h3>Seguro para propietarios de vivienda<\/h3>\n<p>Las entidades crediticias cuentan con una p\u00f3liza de seguro para propietarios de vivienda que las protege en caso de que un prestatario incumpla con el pago de su pr\u00e9stamo hipotecario. Si el pago inicial es inferior al 201% del precio de la vivienda, la entidad crediticia exige que los compradores contraten esta cobertura. Si no dispone del 201% para el pago inicial de su vivienda, no se preocupe. En Del Norte Credit Union, nuestro equipo puede recomendarle un programa de asistencia para el pago inicial en Nuevo M\u00e9xico. Recuerde, estamos aqu\u00ed para facilitarle al m\u00e1ximo el proceso de pr\u00e9stamo.<\/p>\n<h2>\u00bfD\u00f3nde puedo encontrar una hipoteca que pueda pagar?<\/h2>\n<p>\u00a1Tenemos buenas noticias para ti! Nuestros expertos en pr\u00e9stamos hipotecarios de Del Norte Credit Union pueden ofrecerte la mejor opci\u00f3n de financiamiento que se ajuste a tu presupuesto. Adem\u00e1s, somos tus amigos y vecinos, y conocemos el mercado inmobiliario local a la perfecci\u00f3n. Perm\u00edtenos poner nuestro conocimiento y experiencia a tu servicio.<\/p>\n<p>Tenemos seis sucursales en todo Nuevo M\u00e9xico, lo que le permite visitarnos cuando lo desee. Si necesita m\u00e1s informaci\u00f3n sobre nuestros pr\u00e9stamos hipotecarios, ll\u00e1menos. Si est\u00e1 listo para comenzar el proceso ahora, complete nuestro formulario. <a href=\"https:\/\/dncu.mymortgage-online.com\/TeamDirectory.html\" target=\"_blank\" rel=\"noopener noreferrer\">solicitud en l\u00ednea<\/a>. Ya sea que est\u00e9 comprando o refinanciando su vivienda, estamos aqu\u00ed para ayudarle a cumplir sus sue\u00f1os inmobiliarios.<\/p>","protected":false},"excerpt":{"rendered":"<p>\u00bfListo para comprar la casa de tus sue\u00f1os? \u00a1Felicidades! Es un momento emocionante y en Del Norte Credit Union estamos deseando trabajar contigo. Estamos aqu\u00ed para ayudarte a hacer realidad tu sue\u00f1o de tener una vivienda propia. Independientemente de tus necesidades de financiaci\u00f3n, podemos ayudarte a elegir entre los mejores tipos de pr\u00e9stamos hipotecarios en Nuevo M\u00e9xico. \u00bfQu\u00e9 es una hipoteca? Una hipoteca\u2026 <a href=\"https:\/\/www.dncu.com\/es\/blog\/mortgage-loans\/\">Contin\u00faa leyendo <span class=\"meta-nav\">\u2192<\/span><\/a><\/p>","protected":false},"author":17,"featured_media":10144,"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-2743","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-borrow","category-mortgages"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>DNCU | Mortgage Loans Explained<\/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\/prestamos-hipotecarios-2\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"DNCU | Mortgage Loans Explained\" \/>\n<meta property=\"og:description\" content=\"Ready to purchase your dream home? 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