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HomeHipotecas¿Cuál es el APR en una hipoteca?

¿Cuál es el APR en una hipoteca?

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Control de información

  • La tasa de porcentaje anual (APR) en una hipoteca representa el costo anual total del préstamo, incluidos intereses, tarifas y puntos de hipoteca.
  • Comparar los APR de préstamo, en concurso a las tasas de interés, le da una idea más clara de la opción más asequible.
  • El APR de una hipoteca siempre es más reincorporación que su tasa de interés, y la diferencia entre los dos indica cuánto cobra el prestamista en las tarifas.

¿Cuál es el APR en una hipoteca?

El tasa de porcentaje anualo APR, en una hipoteca es un porcentaje que representa el costo anual total de su préstamo, incluida la tasa de interés, así como varias tarifas. Conveniente a esto, su APR siempre será más detención que su tasa de interés. Todavía es una mejor emblema de usar al comparar las ofertas de préstamos porque representa con anciano precisión cuánto pagará para pedir billete prestado. Por ejemplo, un prestamista puede ofrecer una tarifa inferior a la media, pero compensarla cobrando más por los costos de obturación.

¿Cuál es la diferencia entre la tarifa ajustable y el préstamo de tasa fija APR?

Los dos tipos más comunes de APR de hipoteca son:

    • APR fijados: Si elige una hipoteca de tasa fija, obtendrá un APR que permanece igual para todo el plazo de préstamo. Si obtiene una hipoteca de 30 abriles, por ejemplo, tendrá el mismo APR durante los 30 abriles.

¿Qué tarifas se incluyen en un APR?

Los prestamistas pueden incluir diferentes costos cuando calculan APR, así que asegúrese de preguntarle a los suyos.

  • Tarifas de origen: Esto cubre el costo de crear y procesar su préstamo.
  • Puntos hipotecarios: Los puntos de la hipoteca son una tarifa que le paga a su prestamista a cambio de someter su tasa de interés. Si elige hacer esto, será parte de su APR.
  • Alguno costos de obturación: Algunos de sus costos de obturación generalmente no están incluidos en su APR, pero otros pueden estarlo.
  • Seguro hipotecario privado: Si recae menos del 20 por ciento en un préstamo convencional, pagará un seguro hipotecario privado o PMI. Otros tipos de hipotecas, como los préstamos de la FHA, además se cobran por el seguro hipotecario.
  • Tarifas de suscripción: La suscripción es el proceso por el cual el prestamista decide aprobar su solicitud de hipoteca.
  • Corredor honorarios: Si usó un corredor de hipotecas, su tarifa suele ser parte de su APR.
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¿Qué tarifas no están incluidas en APR?

Otras tarifas que a menudo no son parte del cálculo de APR incluyen:

  • Tarifa de demostración de crédito: La mayoría de los prestamistas cobran esta pequeña tarifa cuando envía su solicitud por primera vez.
  • Tarifa de evaluación: Pagará esta tarifa ayer de que su prestamista ordena la evaluación, que valida el valencia de la casa que está comprando.
  • Indagación de propiedad tarifa: Solo algunas propiedades requieren una investigación, por lo que este costo no está incluido en los cálculos de APR habitual de la mayoría de los prestamistas.
  • Tarifa de certificación de inundación: Esta es otra tarifa nominativo que el prestamista cobra para confirmar si la propiedad está en una zona de inundación.
  • Depósito y tarifas de arqueo: Conveniente a que estos costos son cobrados por el abogado final o el agente de arqueo, no se incluyen en el APR.
  • Tarifas de vídeo: En la mayoría de las jurisdicciones, pagará a su oficina almacén de registros de propiedades para presentar la escritura y la hipoteca.
  • Gastos prepago: Esto incluye primas de seguro de propietarios prepagos, impuestos a la propiedad e intereses, así como un seguro hipotecario prepago, si corresponde.

Tasa de interés vs. APR: ¿Cuál es la diferencia?

Su tasa de interés es el porcentaje del monto de su préstamo que el prestamista le cobra a pedir billete prestado. A diferencia de APR, no tiene en cuenta ninguna otra tarifa y consumición. Es por eso que el APR de un préstamo es siempre más detención que su tasa de interés.

Por ejemplo, Bank of America actualmente ofrece hipotecas de interés fijo a 30 abriles con una tasa de interés del 6.375 por ciento y un APR del 6.652 por ciento. Del mismo modo, Wells Fargo ofrece hipotecas de interés fijo a 30 abriles con tasas de interés del 6.250 por ciento, pero el APR es del 6.389 por ciento.

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Cuando Comparación de préstamosasegúrese de comparar las tasas de interés con las tasas de interés y los APR con los APR. Nuevamente, el APR le dará la sensación más precisa del costo del préstamo.

Ejemplos de APR de hipoteca

La mayoría de las tarifas adentro de su APR están fuera de su control, pero puede nominar si negocio o no puntos de descuento.

Aquí hay un ejemplo de cómo los puntos de negocio pueden afectar su APR:

APR con tarifa y sin puntos APR con tarifa y 1 punto APR con tarifa y 2 puntos
Monto prestado $ 310,000 $ 310,000 $ 310,000
Tasa de interés 6.5% 6.25% 6.0%
Plazo de préstamo 30 abriles 30 abriles 30 abriles
Tarifa de origen (1% del monto del préstamo) $ 3,100 $ 3,100 $ 3,100
Puntos (1% del monto del préstamo cada uno) $ 0 $ 3,100 $ 6,200
ABR

6.596%

6.691% 6.787%

Cómo calcular tu APR

Buenas parte: no tienes que hacer los cálculos aquí. El prestamista hipotecario calcula el APR para usted. Si desea confirmar el trabajo del prestamista, puede calcular el APR usted mismo siguiendo estos pasos:

  1. Agregue los intereses y las tarifas de su préstamo.
  2. Divida ese número por su director de préstamo.
  3. Divida esa emblema por el número de abriles en el plazo del préstamo.
  4. Multiplica esa respuesta por 365.
  5. Finalmente, multiplique ese número por 100 para convertir el APR en un porcentaje.

Si desea obtener un aspecto más detallado con menos trabajo, puede usar Bankrate’s Calculadora de APR de hipoteca. Una vez que ingrese la información del préstamo, recibirá un horario de amortizaciónya sea por año o por mes.

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Cómo someter su hipoteca APR

Una gran parte de su APR es su tasa de interés, que está determinada en gran medida por las tasas prevalecientes en el mercado hipotecario. Es proponer, no puedes cambiarlo. Y cuando se observa las tarifas predominantes hoy, a diferencia de en 2020 y 2021, puede ser difícil percatar que está obteniendo un buen APR.

Aún así, algunos principios de su tasa de interés y APR están bajo su control. Para someter su hipoteca APR, puede:

  • Obtenga citas de al menos tres prestamistas y compare sus APR encima de sus tasas de interés.
  • Trabajar en su puntaje de crédito. Los prestamistas generalmente cobran tasas de interés más bajas, y por lo tanto, los APR más bajos, a los prestatarios con mejores puntajes.
  • Ahorre un plazo auténtico más excelso. Esto reduce el aventura de su prestamista, y además su tasa de interés y APR.
  • Si puede abonar un plazo mensual más detención, obtenga una hipoteca con un plazo de préstamo más corto. Estos además son menos riesgosos para los prestamistas y califican para tasas de interés más favorables y APR.
  • Aunque el costo de los puntos hipotecarios aumenta su APR, además le dará una tarifa más muerto.

Preguntas frecuentes

Informes adicionales de Mia Taylor

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