{"id":2768,"date":"2020-07-09T16:36:48","date_gmt":"2020-07-09T23:36:48","guid":{"rendered":"https:\/\/www.dncu.com\/?p=2768"},"modified":"2024-10-29T12:08:41","modified_gmt":"2024-10-29T18:08:41","slug":"cuanto-puedo-permitirme-gastar-en-una-casa","status":"publish","type":"post","link":"https:\/\/www.dncu.com\/es\/blog\/how-much-can-i-afford-to-spend-on-a-home\/","title":{"rendered":"\u00bfCu\u00e1nto puedo permitirme gastar en una vivienda?"},"content":{"rendered":"<p>Ya sea que est\u00e9 comprando en Santa Fe, Espa\u00f1ola, Los Alamos o en cualquier otro lugar del norte de Nuevo M\u00e9xico, comprar una casa puede ser un momento emocionante en su vida. Dado que suele ser la compra m\u00e1s grande de su vida, comprar una casa generalmente conlleva estr\u00e9s. Cuando intenta calcular cu\u00e1nto puede pagar en <a href=\"https:\/\/dncu.mortgage-application.net\/Default.aspx\">su hipoteca de Nuevo M\u00e9xico<\/a>, Las cosas pueden volverse confusas y abrumadoras. Afortunadamente, existen recursos que puedes usar para determinar cu\u00e1nto puedes permitirte gastar en una vivienda.<\/p>\n<h2>Calculando tu presupuesto<\/h2>\n<p>Si bien muchas fuentes sugieren que el pago de su hipoteca sea igual o inferior al 281% de sus ingresos mensuales, algunos expertos recomiendan reducirlo al 251%. Esto no solo le permitir\u00e1 alcanzar un monto m\u00e1s asequible, sino que tambi\u00e9n simplificar\u00e1 los c\u00e1lculos.<\/p>\n<p>Aqu\u00ed tienes un ejemplo:<\/p>\n<ul>\n<li><span class=\"bold\">Suma tus ingresos.<\/span> Si su salario neto mensual es de $3,000 y el salario neto mensual de su pareja tambi\u00e9n es de $3,000, el ingreso bruto total de su hogar es de $6,000.<\/li>\n<li><span class=\"bold\">Calcula 25%.<\/span> Para calcular 25% de tus ingresos familiares totales, multiplicar\u00e1s ambos valores. Siguiendo nuestro ejemplo, 25% x $6,000 es $1,500. Esa ser\u00eda la cantidad que te\u00f3ricamente podr\u00edas pagar mensualmente por una hipoteca.<\/li>\n<li><span class=\"bold\">Determina tu presupuesto.<\/span> <a href=\"https:\/\/dncu.mymortgage-online.com\/TeamDirectory.html\" target=\"_blank\" rel=\"noopener noreferrer\">Hablando con un oficial de pr\u00e9stamos<\/a> En Del Norte Credit Union te ayudar\u00e1n con este paso. Con una calculadora de hipotecas, te ayudar\u00e1n a determinar tu presupuesto en funci\u00f3n de cu\u00e1nto puedes gastar cada mes.<\/li>\n<\/ul>\n<p>El tama\u00f1o de su pago inicial, cu\u00e1nto tiempo planea conservar la casa y el pago mensual que puede pagar son factores importantes. Siguiendo con nuestro ejemplo de ingresos mensuales de $6,000, supongamos que optar\u00e1 por una hipoteca a 30 a\u00f1os con una tasa fija de 5%. Con un precio de la casa de $250,000 y un pago inicial de 10% ($25,000), su pago estimado con seguro e impuestos a la propiedad es de $1,465. Eso se ajusta a su presupuesto de pago. Con un pago inicial m\u00e1s alto de 20% ($50,000) para la misma casa de $250,000, su pago hipotecario mensual ser\u00eda de aproximadamente $1331 con impuestos y seguro.<\/p>\n<p>Tenga en cuenta que ser propietario de una vivienda en el norte de Nuevo M\u00e9xico implica el pago de impuestos sobre la propiedad y seguros. Tambi\u00e9n podr\u00eda tener que pagar cuotas de la asociaci\u00f3n de propietarios y gastos de mantenimiento. Por lo tanto, si actualmente no cuenta con estos gastos en su presupuesto, considere agregarlos para ver cu\u00e1nto le quedar\u00eda si comprara una casa a un precio determinado.<\/p>\n<h2>Comprenda los detalles del pr\u00e9stamo<\/h2>\n<p>Hacer los c\u00e1lculos y obtener una cifra aproximada es un primer paso emocionante, pero hay muchos otros detalles que debes comprender. Varios factores entran en juego, adem\u00e1s de los ingresos totales de tu hogar.<\/p>\n<ul>\n<li><span class=\"bold\">Relaci\u00f3n deuda-ingresos.<\/span> En la mayor\u00eda de los casos, su \u00edndice de endeudamiento deber\u00eda ser de 36% o inferior. Esto se calcula considerando sus ingresos antes de impuestos e incluye deudas como pr\u00e9stamos para autom\u00f3viles, hipotecas, pr\u00e9stamos estudiantiles, etc.<\/li>\n<li><span class=\"bold\">Tasa de inter\u00e9s.<\/span> En el mercado inmobiliario, las tasas de inter\u00e9s suben y bajan constantemente. Pregunte c\u00f3mo fijar su tasa cuando est\u00e9 listo para comprar. La tasa que se le fije al momento del cierre ser\u00e1 la que tendr\u00e1 durante toda la vigencia del pr\u00e9stamo.<\/li>\n<li><span class=\"bold\">Precalificaci\u00f3n.<\/span> Tu prestamista te pedir\u00e1 informaci\u00f3n sobre tus ingresos, deudas y pagos mensuales. Si cumples con los requisitos, te emitir\u00e1 una carta de precalificaci\u00f3n. Recuerda que t\u00fa conoces tus gastos mejor que nadie. Aseg\u00farate de incluir tu presupuesto para alimentos, la matr\u00edcula escolar de tus hijos y cualquier otro gasto que no aparezca en la solicitud de hipoteca.<\/li>\n<\/ul>\n<p>Tambi\u00e9n debe tener en cuenta su plan de ahorros a largo plazo. Los profesionales hipotecarios de DNCU pueden ayudarle a comprender no solo los gastos de la hipoteca, sino tambi\u00e9n todos los gastos asociados que pueda tener como nuevo propietario. \u00bfTiene preguntas sobre estos t\u00e9rminos hipotecarios? \u00bfLe gustar\u00eda reunirse con un experto hipotecario?<\/p>\n<p><a href=\"https:\/\/www.dncu.com\/es\/contacto\/\" target=\"_blank\" rel=\"noopener noreferrer\">Contacte con Del Norte Credit Union<\/a><\/p>\n<h2>C\u00f3mo solicitar su pr\u00e9stamo hipotecario<\/h2>\n<p>Hacer los c\u00e1lculos y tratar de comprender los detalles por su cuenta son pasos importantes, pero cuando se trata de su hipoteca en Nuevo M\u00e9xico, lo mejor es contactar a los profesionales de Del Norte Credit Union. Conocemos el norte de Nuevo M\u00e9xico y tenemos a\u00f1os de experiencia en pr\u00e9stamos hipotecarios. Podemos ayudarle a determinar cu\u00e1nto puede pagar para la compra de la casa de sus sue\u00f1os. \u00bfEst\u00e1 listo para solicitar la casa de sus sue\u00f1os? \u00a1Env\u00ede su solicitud de hipoteca en l\u00ednea hoy mismo!<\/p>\n<p><a class=\"co-button\" href=\"https:\/\/dncu.mymortgage-online.com\/TeamDirectory.html\" target=\"_blank\" rel=\"noopener noreferrer\">SOLICITA AHORA<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>Ya sea que est\u00e9 buscando casa en Santa Fe, Espa\u00f1ola, Los Alamos o en cualquier otro lugar del norte de Nuevo M\u00e9xico, comprar una casa puede ser un momento emocionante en su vida. Dado que suele ser la compra m\u00e1s importante de su vida, comprar una casa generalmente conlleva estr\u00e9s. Cuando intenta calcular cu\u00e1nto puede pagar por su nueva casa en Nuevo M\u00e9xico\u2026 <a href=\"https:\/\/www.dncu.com\/es\/blog\/how-much-can-i-afford-to-spend-on-a-home\/\">Contin\u00faa leyendo <span class=\"meta-nav\">\u2192<\/span><\/a><\/p>","protected":false},"author":17,"featured_media":10630,"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-2768","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 | How Much Can I Afford to Spend on a Home?<\/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\/cuanto-puedo-permitirme-gastar-en-una-casa\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"DNCU | How Much Can I Afford to Spend on a Home?\" \/>\n<meta property=\"og:description\" content=\"Whether you are shopping in Santa Fe, Espa\u00f1ola, Los Alamos or elsewhere in Northern New Mexico, buying a home can be an exciting time in your life. Since it is usually the biggest purchase in your life, buying a home usually comes with stress. When you try to figure out how much you can afford to pay on your New &hellip; Continue reading &rarr;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.dncu.com\/es\/blog\/cuanto-puedo-permitirme-gastar-en-una-casa\/\" \/>\n<meta property=\"og:site_name\" content=\"Del Norte Credit Union\" \/>\n<meta property=\"article:published_time\" content=\"2020-07-09T23:36:48+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-10-29T18:08:41+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/f3bec255-0e31-4fe2-83aa-f85087ca2a1a.cc10.conves.io\/files\/mortgage6.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 name=\"twitter:data1\" content=\"Guy 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