{"id":2764,"date":"2020-05-09T15:37:45","date_gmt":"2020-05-09T22:37:45","guid":{"rendered":"https:\/\/www.dncu.com\/?p=2764"},"modified":"2024-10-29T11:28:12","modified_gmt":"2024-10-29T17:28:12","slug":"hipotecas-de-tasa-variable","status":"publish","type":"post","link":"https:\/\/www.dncu.com\/es\/blog\/adjustable-rate-mortgages\/","title":{"rendered":"Hipotecas de tasa variable (ARM)"},"content":{"rendered":"<h2>\u00bfQu\u00e9 son las hipotecas de tasa variable?<\/h2>\n<p>La hipoteca de tasa ajustable (ARM, por sus siglas en ingl\u00e9s), tambi\u00e9n conocida como hipoteca de tasa variable, es un pr\u00e9stamo con una tasa de inter\u00e9s que fluct\u00faa con el tiempo seg\u00fan las condiciones del mercado. Este tipo de pr\u00e9stamo hipotecario se puede utilizar cuando es dif\u00edcil obtener pr\u00e9stamos a tasa fija. Con una ARM, un aumento en las tasas de inter\u00e9s se traduce en cuotas mensuales m\u00e1s altas, mientras que las cuotas mensuales disminuyen si las tasas de inter\u00e9s bajan.<\/p>\n<p>Si desea comprar una vivienda, refinanciar su hipoteca actual o refinanciarla con retiro de efectivo, Del Norte Credit Union ofrece una variedad de opciones de tasa variable que podr\u00edan resultarle \u00fatiles.<\/p>\n<h2>ARM h\u00edbridos<\/h2>\n<p>Los pr\u00e9stamos hipotecarios h\u00edbridos de tasa ajustable (ARM) son cada vez m\u00e1s populares y ofrecen una tasa de inter\u00e9s fija durante un per\u00edodo determinado, que luego var\u00eda. El t\u00e9rmino &quot;h\u00edbrido&quot; se refiere a la combinaci\u00f3n de caracter\u00edsticas de tasa ajustable y fija. Los ARM h\u00edbridos se definen por sus per\u00edodos iniciales de tasa fija y ajustable. Por ejemplo, un pr\u00e9stamo 3\/1 tiene un per\u00edodo inicial de tasa de inter\u00e9s fija de 3 a\u00f1os y per\u00edodos de ajuste posteriores de 1 a\u00f1o. La fecha en que la hipoteca pasa de un calendario de pagos de tasa fija a uno ajustable se denomina fecha de reinicio. Posteriormente, el pr\u00e9stamo se convierte en un pr\u00e9stamo tradicional y su tasa de inter\u00e9s var\u00eda seg\u00fan un \u00edndice espec\u00edfico durante los 27 a\u00f1os restantes de una hipoteca a 30 a\u00f1os.<\/p>\n<p>En Del Norte Credit Union, ofrecemos un pr\u00e9stamo hipotecario de tasa ajustable 15\/15, una hipoteca convencional a 30 a\u00f1os con una tasa fija durante 15 a\u00f1os, tras los cuales se realizar\u00e1 una \u00fanica revisi\u00f3n de la tasa. El pr\u00e9stamo es aprobado y administrado internamente por DNCU en cualquiera de nuestras sucursales en Espa\u00f1ola, Santa Fe, White Rock, Los Alamos y el norte de Nuevo M\u00e9xico. La hipoteca no est\u00e1 limitada al monto m\u00e1ximo de pr\u00e9stamo de Fannie Mae; tambi\u00e9n ofrecemos pr\u00e9stamos jumbo.<\/p>\n<p>Ofrecemos a nuestros clientes condiciones de pr\u00e9stamo f\u00e1ciles de entender y menos papeleo.<\/p>\n<h2>L\u00edmites a las tasas de inter\u00e9s de las hipotecas de tasa ajustable (ARM)<\/h2>\n<p>Las hipotecas de tasa ajustable (ARM) incluyen l\u00edmites de tasa que restringen el aumento de la tasa de inter\u00e9s o la magnitud de las variaciones en los pagos mensuales. Los l\u00edmites peri\u00f3dicos suelen limitar la variaci\u00f3n de la tasa de inter\u00e9s de un a\u00f1o a otro, mientras que los l\u00edmites vitalicios restringen los cambios durante la vigencia del pr\u00e9stamo. Tambi\u00e9n existen l\u00edmites de pago que restringen el incremento de las cuotas hipotecarias mensuales. Por lo tanto, estos l\u00edmites afectan el aumento en d\u00f3lares, no en puntos porcentuales.<\/p>\n<h2>Por qu\u00e9 un brazo articulado podr\u00eda ser adecuado para usted<\/h2>\n<p><span class=\"bold\">Aumento de ingresos<\/span> \u2013 Si su trayectoria profesional prev\u00e9 un aumento de ingresos predecible o constante, planificar tarifas m\u00e1s altas en el futuro puede ser la mejor opci\u00f3n.<\/p>\n<p><span class=\"bold\">Propiedad breve<\/span> \u2013 Puedes aprovechar las tasas iniciales m\u00e1s bajas si planeas comprar y revender una vivienda con relativa rapidez o si planeas refinanciar tu hipoteca.<\/p>\n<p><span class=\"bold\">Pagos iniciales bajos<\/span> \u2013 El per\u00edodo inicial de tasa fija de una hipoteca de tasa ajustable h\u00edbrida le ofrece posibles ahorros.<\/p>\n<p><span class=\"bold\">Planificaci\u00f3n a largo plazo<\/span> \u2013 Es posible que al solicitar el pr\u00e9stamo pueda permitirse un tipo de inter\u00e9s inicial m\u00e1s alto, pero optar por un pr\u00e9stamo de tasa ajustable (ARM) le brinda la oportunidad de ahorrar durante el per\u00edodo fijo inicial.<\/p>\n<h2>Por qu\u00e9 un brazo articulado podr\u00eda no ser adecuado para usted<\/h2>\n<p><span class=\"bold\">Los pagos podr\u00edan aumentar<\/span> Un aumento en las tasas de inter\u00e9s significa que sus pagos podr\u00edan subir despu\u00e9s de que comience el per\u00edodo de ajuste. Esto podr\u00eda ser dif\u00edcil si no puede afrontar pagos m\u00e1s altos.<\/p>\n<p><span class=\"bold\">Las cosas no salen seg\u00fan lo planeado.<\/span> \u2013 Con las hipotecas de tasa ajustable (ARM), conviene planificar con anticipaci\u00f3n si las tasas de inter\u00e9s comienzan a subir. Pero incluso con mucha planificaci\u00f3n, puede resultar m\u00e1s dif\u00edcil vender o refinanciar cuando se desee.<\/p>\n<h2>Ponte en contacto con nosotros hoy mismo.<\/h2>\n<p>Si est\u00e1 buscando la mejor hipoteca de tasa ajustable en Nuevo M\u00e9xico, <a href=\"https:\/\/www.dncu.com\/es\/contacto\/\">Habla con uno de los miembros del equipo de DNCU.<\/a> Para obtener m\u00e1s informaci\u00f3n sobre los pr\u00e9stamos hipotecarios de tasa variable, cuando est\u00e9 listo para comenzar, puede confiar en nuestro equipo para que lo ayude a tomar esta importante decisi\u00f3n. Nos comprometemos a ofrecerle opciones flexibles y un servicio superior para ayudarlo a alcanzar sus metas de ser propietario de una vivienda. \u00bfListo para comenzar?<\/p>","protected":false},"excerpt":{"rendered":"<p>\u00bfQu\u00e9 son las hipotecas de tasa ajustable? La hipoteca de tasa ajustable (ARM, por sus siglas en ingl\u00e9s), tambi\u00e9n conocida como hipoteca de tasa variable, es un pr\u00e9stamo con una tasa de inter\u00e9s que fluct\u00faa con el tiempo seg\u00fan las condiciones del mercado. Estos pr\u00e9stamos hipotecarios pueden utilizarse cuando es dif\u00edcil obtener pr\u00e9stamos a tasa fija. Con una ARM, un aumento en las tasas de inter\u00e9s resulta en pagos mensuales m\u00e1s altos, mientras que los pagos mensuales disminuyen si\u2026 <a href=\"https:\/\/www.dncu.com\/es\/blog\/adjustable-rate-mortgages\/\">Contin\u00faa leyendo <span class=\"meta-nav\">\u2192<\/span><\/a><\/p>","protected":false},"author":17,"featured_media":10626,"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-2764","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 | Adjustable-Rate Mortgages<\/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\/hipotecas-de-tasa-variable\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"DNCU | Adjustable-Rate Mortgages\" \/>\n<meta property=\"og:description\" content=\"What are Adjustable-Rate Mortgages? The adjustable-rate mortgage (ARM), also known as a variable-rate mortgage, is a loan with an interest rate that fluctuates over time depending on market conditions. These home loans can be used when fixed-rate loans are hard to acquire. With an ARM, a rise in interest rates results in higher monthly payments, while monthly payments fall if &hellip; Continue reading &rarr;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.dncu.com\/es\/blog\/hipotecas-de-tasa-variable\/\" \/>\n<meta property=\"og:site_name\" content=\"Del Norte Credit Union\" \/>\n<meta property=\"article:published_time\" content=\"2020-05-09T22:37:45+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-10-29T17:28:12+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/f3bec255-0e31-4fe2-83aa-f85087ca2a1a.cc10.conves.io\/files\/mortgage.5jpg.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"670\" \/>\n\t<meta property=\"og:image:height\" content=\"447\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Guy Krenn\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta 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