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Thursday, October 1, 2026
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HomeHipotecas¿Debería esperar a que las tasas caigan un 1% para refinanciar?

¿Debería esperar a que las tasas caigan un 1% para refinanciar?

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Durante décadas, la sensatez convencional sobre refinanciación hipotecaria ha sido claro: debe cambiar préstamos solo cuando tasas hipotecarias han limitado un punto porcentual completo desde la tasa de su préstamo innovador. Sin secuestro, ese no siempre es el caso.

¿Debería esperar al refinanciar hasta que las tasas caigan un 1 por ciento?

El consejo del 1 por ciento es ciertamente útil como regla normal, pero ¿lo guiará alrededor de el mejor trato? No necesariamente.

Dependiendo de la ubicación de su hogar, el tamaño de la hipoteca y el monto de sus costos de clausura, la refinanciación podría ser la indicación correcta si las tarifas caen solo medio punto, al menos en algunos casos, por ejemplo, si su prestamista está ejecutando una promoción para resumir las tarifas para los clientes habituales. Otros propietarios pueden precisar ahorros de más que un punto para que un refinanciamiento valga la pena, especialmente en un estado con mayores costos de clausura.

La conclusión, dice Don Roberts, vicepresidente, administrador de campo hipotecario de Johnson Financial Group en Kenosha, Wisconsin: “No generalice. Haga los cálculos”.

Calcule su punto de seguridad

Antiguamente de refinanciar, debe conocer cuánto le costará refi y cuánto tiempo llevará recuperar esos costos a través de sus nuevos pagos mensuales más bajos. Esto se conoce como el punto de seguridad. Piense en cuánto tiempo prórroga permanecer en el hogar: la calculadora de seguridad de refinanciamiento de Bankrate puede ayudarlo a determinar cuándo comenzará a realizar ahorros.

Al igual que pagó los costos de clausura cuando sacó su hipoteca de operación, tendrá que pagarlos nuevamente por el refinanciamiento. Estos costos generalmente incluyen cosas como:

  • La tarifa de origen de su préstamo
  • Una tarifa de evaluación
  • El costo del seguro de título
  • Cualquier impuesto recaudado por su estado
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Costos de clausura en un refinanciamiento hipotecario puede funcionar entre el 2 y el 5 por ciento de la cantidad que refinan. Sin secuestro, eso puede variar ampliamente, y además puede hallarse influenciado por si el prestamista acuerda renunciar a cualquier tarifa sobre el nuevo préstamo.

Otro punto secreto: los costos de clausura varían según el estado, dependiendo de factores tales como el seguro de título estrechamente regulado y si el estado impone impuestos a las refinanciaciones. Nueva York y Florida son dos estados que sí: en Florida, el estado recauda un impuesto documental de timbre de 0.35 por ciento en hipotecas, incluidas las refinanciaciones. Entonces, si pide prestado $ 400,000, le debe al estado $ 1,400 encima de otros costos de clausura, un cargo que empuja su punto de seguridad.

En el extremo opuesto del espectro, Roberts señala que los costos de clausura de Wisconsin son fijos, por lo que un prestatario allí puede esperar fertilizar comparativamente menos por el mismo préstamo de tamaño. Eso se debe en parte a que el estado regula las tarifas de seguro de título, dice. Tenga en cuenta los procedimientos de su estado para que pueda presupuestar en consecuencia.

Cómo ejecutar los números

Cuanto veterano sea el saldo del préstamo, más sentido tiene una refinanciación, porque los costos de clausura tienden a ser proporcionalmente más bajos en los préstamos de veterano valía.

Por ejemplo, digamos que tiene un préstamo de $ 200,000 con un 7,5 por ciento con un plazo mensual de haber e interés de $ 1,398. Si las tarifas caen a 6.5 por ciento, ese plazo cae a $ 1,264, un parquedad mensual de $ 134. Suponiendo los costos de clausura de $ 5,000, necesitaría 37 meses para alcanzar el punto de seguridad.

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Ahora ejecutemos los mismos números con un préstamo de $ 600,000. Con un 7,5 por ciento, el plazo mensual es de $ 4,195, pero al 6,5 por ciento, cae a $ 3,792, un parquedad mensual mucho más prócer de $ 403. Con costos de clausura de $ 5,000, en este ambiente necesitaría solo 12 meses para alcanzar el punto de seguridad.

¿Qué pasa si las tarifas cayeron solo medio punto? En ese caso, el préstamo de $ 200,000 al 7 por ciento costaría $ 1,331 al mes, un parquedad de $ 67. Aparecer a un punto de seguridad con $ 5,000 en costos de clausura aquí tomaría 75 meses, demasiado tiempo para significar la pena el esfuerzo. Pero un préstamo de $ 600,000 al 7 por ciento costaría $ 3,992, un parquedad de $ 203. Parte de incluso 25 meses, por lo que tal vez valdría la pena.

Monto del préstamo Caída de tasas de interés Ahorros mensuales Punto de seguridad
$ 200,000 1% (7.5% a 6.5%) $ 134 37 meses
$ 200,000 0.5% (7.5% a 7%) $ 67 75 meses
$ 600,000 1% (7.5% a 6.5%) $ 403 12 meses
$ 600,000 0.5% (7.5% a 7%) $ 203 25 meses

Algunos prestamistas ofrecen ofertas de refi

Algunos prestamistas hipotecarios son préstamos de marketing que fomentan la refinanciación al resumir bruscamente los costos de clausura para los clientes existentes. Por ejemplo, Mejor hipotecaEl software de cumplimiento mejor para siempre renuncia a la mayoría de las tarifas para los mejores prestatarios actuales que refinan con el prestamista. Eso incluye la tarifa de origen habitual de $ 995, y además zapatilla los costos de seguro de título. (Tanto la hipoteca Better y United Wholesale participa en el software de exención de seguros de títulos de Fannie Mae, que permite a ciertos prestatarios cambiar préstamos sin fertilizar nuevamente el seguro de título). Lo que es más, muchos compradores de refinanciamiento reciben exenciones de evaluación, reduciendo $ 500 adicionales más o menos de la pestaña por costos de clausura. En normal, equivale a un parquedad de aproximadamente $ 1,500, dice Better CEO Vishal Garg.

See also  Tasas hipotecarias, aún cerca del 7%

Antiguamente de nominar un prestamista para refinanciar, asegúrese de comprar para determinar quién puede ofrecer las mejores tarifas y términos. Y tome el consejo de Roberts: haz los cálculos. No quieres sorpresas de postrer minuto.

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