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Wednesday, September 30, 2026
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HomeHipotecas¿Cuándo debe refinanciar su hipoteca?

¿Cuándo debe refinanciar su hipoteca?

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Control de válvula

  • Refinanciar su hipoteca podría tener sentido por varias razones: aminorar su tasa de interés, sacar efectivo o cambiar a un préstamo de tasa fija.

  • Para la mayoría de los prestatarios, el momento ideal para refinanciar es cuando las tasas de mercado han caído por debajo de la tasa de su préstamo flagrante.

  • Si desea refinanciar, calcule el punto de inmovilidad para que sepa exactamente cuánto tiempo llevará cosechar los ahorros.

Si acertadamente la mayoría de los prestatarios buscan refinanciar su hipoteca cuando caen las tasas de refinanciamiento, asimismo puede deber otros casos para trocar su préstamo. Aquí le mostramos cómo acechar cuándo un Refi podría tener sentido para usted, y cuándo podría ser mejor considerar otras opciones.

¿Cuándo debe refinanciar su hogar?

Para muchos prestatarios, es mejor refinanciar cuando puede aminorar su tasa de interés y planear permanecer en su hogar el tiempo suficiente para recuperar los costos de candado de refinanciamiento.

Bill Packer, director de operaciones del prestamista hipotecario inverso Longbridge Financial, describe un trío de factores a considerar:

  1. Los ahorros mensuales a posteriori de impuestos (nuevo suscripción en comparación con el suscripción susodicho, a posteriori de cualquier tratamiento con impuestos)
  2. La cantidad de tiempo que pretende estar en el hogar
  3. El costo de obtener la nueva hipoteca

Una vez que conozca estas tres cosas, puede calcular su regreso para ver si es positivo, dice Packer.

Ejemplo: arriesgarse cuándo refinanciar una hipoteca

Supongamos que obtuvo una hipoteca de 30 primaveras por $ 320,000 a una tasa de interés fija del 6.23 por ciento. El suscripción mensual totaliza $ 1,966, y durante la vida útil del préstamo, pagaría $ 707,808, que incluye $ 387,808 en intereses.

Digamos cinco primaveras a posteriori, las tasas caen a 5.82 por ciento. En ese momento, tendría $ 299,842 restantes en el préstamo llamativo. Si tuviera que refinanciar a otro préstamo de 30 primaveras a esa tasa más herido, su suscripción mensual totalizaría $ 1,763, aproximadamente un reducción de $ 200. Durante la vida del préstamo, pagaría $ 334,893 en intereses, ahorrándole $ 53,000.

Hipoteca flagrante Nueva hipoteca
Cuota mensual $ 1,966 $ 1,763
Tasa de interés 6.23% 5.82%
Total de interés $ 387,808 $ 334,893
Ahorros $ 0 $ 53,000

Sin confiscación, la cantidad que puede racionar mediante la refinanciación depende de varios factores más allá de la tasa, incluidos sus costos de candado y si ha seleccionado el tipo de refinanciamiento adecuado para sus deposición.

No comenzará a realizar ahorros hasta que inteligencia el punto de inmovilidad: cuando la cantidad que ahorra excede los costos de candado.

Usando el proscenio susodicho, digamos que sus costos de candado de refinanciamiento totalizan $ 6,000. Para determinar el punto de inmovilidad, divida los costos de candado por el monto que ahorrará cada mes con su nuevo suscripción.

$ 6,000 / $ 200 = 30 meses, o dos primaveras y medio

Si no planea quedarse en su hogar tanto tiempo, la refinanciación podría no tener sentido.

Razones para refinanciar su hipoteca

Estas son las razones esencia para considerar la refinanciación:

Someter la tasa de interés

Si las tasas hipotecarias han disminuido desde que obtuvo su hipoteca por primera vez, un refinanciamiento de tasa y término puede proporcionarle una tasa más herido (suponiendo que califique). Idealmente, esa tasa debe ser media a tres cuartos de un punto porcentual inferior a su tasa flagrante.

Además puede etiquetar para una mejor tasa de interés si su puntaje de crédito ha mejorado desde que obtuvo su préstamo flagrante. Las mejores tarifas van a aquellos con un puntaje de al menos 780.

Acortar el plazo del préstamo

Además puede refinanciar para acortar el tiempo que lleva respaldar su préstamo. Si tiene una hipoteca de 30 primaveras, por ejemplo, es posible que desee refinanciar una nueva hipoteca de 15 primaveras. Idealmente, obtendría una tasa de interés más herido y pagos mensuales más bajos con el nuevo préstamo, pero depende de las tasas prevalecientes y el saldo de su préstamo restante.

Cambiar la estructura de tasa

Adicionalmente de aminorar la tasa o acortar el plazo, algunos prestatarios refinancian de una hipoteca de tasa ajustable (ARM) a un préstamo de tasa fija. El primero lo talego de pagos mensuales de tasa variable y en un suscripción mensual fijo, lo que podría proporcionar el presupuesto. Por otro banda, cambiar un préstamo de tasa fija a un miembro podría permitir pagos temporalmente más bajos hasta que la tasa se ajuste.

Respaldar grandes gastos

Puede hacer un refinanciamiento de efectivo para explotar el hacienda de su hogar por capital inteligente. Puede usar estos fondos para cualquier propósito, como:

  • Apearse o respaldar la deuda de suspensión interés
  • Renovando tu casa
  • Pagando la matrícula universitaria
  • Alterar en propiedad

Eliminar el seguro hipotecario privado (PMI)

Si tiene un préstamo convencional y el valía de su hogar ha aumentado, podría refinanciar para salir de respaldar un seguro hipotecario privado (PMI) de inmediato, o al menos ayer.

Cuando no debes refinanciar

Hay momentos en que la refinanciación no es la mejor opción. En militar, podría no ser inteligente refinanciar por ninguna de estas razones:

  • Pagarás mucho más en intereses. Si las tasas prevalecientes son más altas que su tarifa flagrante, o su crédito y finanzas hoy significa que no calificará para una tasa más herido, es posible que no tenga sentido respaldar más por un nuevo préstamo.
  • Planeas traicionar tu casa pronto. Si vende pronto, es poco probable que esté en la casa el tiempo suficiente para recuperar los costos de refinanciación.
  • Planea usar los ahorros para gastos discrecionales. No caiga en la trampa de poner su hogar en la rasgo para llevar los ahorros de refinanciamiento o los ingresos de efectivo en gastos únicos como unas receso o un automóvil. En militar, es mejor racionar por estos costos.
  • Estás muy progresista en tu hipoteca. Si ya está al menos a la medio del plazo del préstamo, es posible que no ahorre capital refinanciando. Ya ha llegado al punto en el que más de su suscripción se prestarán al principal que los intereses; Refinanciar ahora significa que reiniciará el temporalizador y pagará más con destino a los intereses nuevamente.

¿Vale la pena la refinanciación?

Si libera capital en su presupuesto mensual, reduce el costo militar del préstamo o lo ayuda a alcanzar otro objetivo financiero, la refinanciación puede suponer la pena el trabajo y el capital.

“Es importante determinar su punto de inmovilidad”, dice Linda Bell, escritora senior de Bankrate. “Recuerde que la refinanciación tiene costos como una hipoteca regular. Si acertadamente su objetivo puede ser un plazo de préstamo más corto o una tasa de interés más herido, si planea traicionar su casa en unos pocos primaveras, puede no tener sentido financiero. Asegúrese de que los beneficios superen los costos”.

Preguntas frecuentes

See also  ¿Con qué frecuencia puede refinanciar su hogar?

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