{"id":2770,"date":"2020-08-09T16:41:09","date_gmt":"2020-08-09T23:41:09","guid":{"rendered":"https:\/\/www.dncu.com\/?p=2770"},"modified":"2024-10-29T12:13:05","modified_gmt":"2024-10-29T18:13:05","slug":"la-diferencia-de-las-cooperativas-de-credito-en-lo-que-respecta-a-las-hipotecas","status":"publish","type":"post","link":"https:\/\/www.dncu.com\/es\/blog\/the-credit-union-difference-when-it-comes-to-mortgages\/","title":{"rendered":"La diferencia de las cooperativas de cr\u00e9dito en materia de hipotecas"},"content":{"rendered":"<p>Quiz\u00e1s usted ha sido un cliente fiel de un banco toda su vida, acudiendo a una sola sucursal para abrir nuevas cuentas y gestionar otros servicios financieros. Ahora, al dar los siguientes pasos para invertir en su primera vivienda, se pone en contacto con el mismo banco para informarse sobre sus opciones de hipoteca y financiaci\u00f3n.<\/p>\n<p>Si bien la fidelizaci\u00f3n del cliente es importante, los pr\u00e9stamos hipotecarios de las cooperativas de cr\u00e9dito ofrecen m\u00e1s ventajas que los de un banco tradicional. En particular, las cooperativas de cr\u00e9dito pueden ser m\u00e1s ventajosas en cuanto a comisiones y tasas de inter\u00e9s, flexibilidad para quienes tienen un historial crediticio deficiente o situaciones financieras particulares, y un servicio personalizado antes y despu\u00e9s de la compra de su vivienda.<\/p>\n<h2>Comisiones y tipos de inter\u00e9s m\u00e1s bajos<\/h2>\n<p>Las cooperativas de cr\u00e9dito tienen una estructura muy diferente a la de los bancos. Un banco es una corporaci\u00f3n que busca obtener ganancias de un producto financiero como una hipoteca. Para ello, los bancos cobran comisiones m\u00e1s altas a los prestatarios como usted. Por otro lado, una cooperativa de cr\u00e9dito es una organizaci\u00f3n sin fines de lucro. Mientras que un banco puede cobrar comisiones exorbitantes para obtener ganancias, las cooperativas de cr\u00e9dito pueden ofrecer pr\u00e9stamos hipotecarios a sus clientes a un precio cercano al costo, debido a que sus objetivos son diferentes.<\/p>\n<p>Adem\u00e1s, las cooperativas de cr\u00e9dito tienen fama de ofrecer tasas de inter\u00e9s m\u00e1s competitivas en hipotecas que los bancos. Si bien no hay garant\u00eda, en la mayor\u00eda de los casos es probable que obtenga una mejor tasa de inter\u00e9s en una cooperativa de cr\u00e9dito que en un banco. Incluso cuando no sea as\u00ed, las comisiones m\u00e1s bajas y el mejor servicio que ofrece una cooperativa de cr\u00e9dito pueden compensar las tasas de inter\u00e9s m\u00e1s altas a largo plazo.<\/p>\n<h2>Flexibilidad<\/h2>\n<p>Como empresario aut\u00f3nomo o contratista independiente, sus ingresos pueden fluctuar mensualmente, lo que dificulta su verificaci\u00f3n. Por ello, su ratio de endeudamiento puede ser mayor o su calificaci\u00f3n crediticia menor de lo que normalmente desear\u00eda.<\/p>\n<p>Si bien estos problemas podr\u00edan impedirle obtener una hipoteca de un banco tradicional, las cooperativas de cr\u00e9dito suelen ser m\u00e1s flexibles a la hora de conceder pr\u00e9stamos a propietarios con situaciones financieras particulares. Incluso es m\u00e1s probable que una cooperativa de cr\u00e9dito apruebe un pr\u00e9stamo cuando un banco lo rechace.<\/p>\n<h2>Servicio personalizado<\/h2>\n<p>Es m\u00e1s probable que una cooperativa de cr\u00e9dito se tome su tiempo y le brinde apoyo durante el a veces confuso proceso hipotecario. Muchos propietarios aprecian este nivel de servicio personalizado, especialmente si compran una vivienda por primera vez.<\/p>\n<p>Tambi\u00e9n es posible obtener un servicio personalizado de un banco durante el proceso de solicitud de una hipoteca. Sin embargo, la gran diferencia entre el servicio que se recibe en una cooperativa de cr\u00e9dito y el de un banco radica en que la relaci\u00f3n que se establece con la cooperativa de cr\u00e9dito puede continuar incluso despu\u00e9s de la compra de la vivienda.<\/p>\n<p>Es muy com\u00fan que el banco que origin\u00f3 su hipoteca la venda a un tercero. Tras tenerla en su poder durante menos de un a\u00f1o, su banco podr\u00eda venderla, y esta podr\u00eda pasar por diferentes bancos varias veces durante la vigencia del pr\u00e9stamo. Las cooperativas de cr\u00e9dito suelen conservar las hipotecas que originan, por lo que, si surge alg\u00fan problema con su pr\u00e9stamo, puede consultarlo con alguien de su localidad a quien conozca y en quien conf\u00ede, en lugar de con un desconocido de una instituci\u00f3n de otro estado.<\/p>\n<h2>Beneficios de la membres\u00eda<\/h2>\n<p>El acceso a pr\u00e9stamos en cooperativas de cr\u00e9dito est\u00e1 restringido a sus miembros, y aunque algunas son m\u00e1s selectivas, la mayor\u00eda tiene requisitos de membres\u00eda generales. Unirse a una cooperativa de cr\u00e9dito es beneficioso, ya que ofrece ventajas adicionales a los servicios financieros, como descuentos en comercios locales.<\/p>\n<p>Mereces lealtad de tu instituci\u00f3n financiera, especialmente al realizar un compromiso financiero importante como la obtenci\u00f3n de un pr\u00e9stamo hipotecario. Entre otras ventajas, las cooperativas de cr\u00e9dito son leales a sus clientes de una manera que los bancos no pueden permitirse, porque eres socio de tu cooperativa de cr\u00e9dito. Para obtener m\u00e1s informaci\u00f3n sobre las membres\u00edas en cooperativas de cr\u00e9dito y los beneficios que ofrecen, <a href=\"https:\/\/www.dncu.com\/es\/contacto\/\">Cont\u00e1ctanos<\/a> \u00a1hoy!<\/p>\n<p><a href=\"https:\/\/dncu.mymortgage-online.com\/TeamDirectory.html\" target=\"_blank\" rel=\"noopener noreferrer\">Solicita ahora<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>Quiz\u00e1s usted ha sido un cliente fiel de un banco toda su vida, acudiendo a una sola sucursal para abrir nuevas cuentas y gestionar otros servicios financieros. Ahora, al dar los siguientes pasos para invertir en su primera vivienda, se pone en contacto con el mismo banco para informarse sobre sus opciones de hipoteca y financiaci\u00f3n. Si bien hay algo que decir\u2026 <a href=\"https:\/\/www.dncu.com\/es\/blog\/the-credit-union-difference-when-it-comes-to-mortgages\/\">Contin\u00faa leyendo <span class=\"meta-nav\">\u2192<\/span><\/a><\/p>","protected":false},"author":17,"featured_media":10634,"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-2770","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 | The Credit Union Difference When It Comes to 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\/la-diferencia-de-las-cooperativas-de-credito-en-lo-que-respecta-a-las-hipotecas\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"DNCU | The Credit Union Difference When It Comes to Mortgages\" \/>\n<meta property=\"og:description\" content=\"Perhaps you have been a loyal bank customer all your life, partnering with one branch to open new accounts and tend to other financial services. 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