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HomeHipotecasDefinición de asociación de ahorros y préstamos

Definición de asociación de ahorros y préstamos

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  • Las asociaciones de peculio y préstamos, además conocidas como bancos de peculio, peculio e instituciones de peculio, son instituciones financieras que generalmente son propiedad de sus clientes o accionistas.

  • Las asociaciones de peculio y préstamos se establecieron en la plazo de 1930 para proporcionar hipotecas más asequibles a los consumidores.

  • Si aceptablemente no es tan frecuente hoy en día, las asociaciones de peculio y préstamos jugaron un papel en impulsar la propiedad de vivienda durante gran parte del siglo XX.

¿Qué es una asociación de ahorros y préstamos?

Una asociación de ahorros y préstamos (S&L) es una institución financiera que brinda servicios de banca y préstamos para el hogar. Es poco comparable a un costado o una cooperativa de crédito, especialmente la última, pero tiene un objetivo y estructura común diferentes.

Igualmente conocido como bancos de peculio, instituciones de segunda mano o simplemente peculio, S&L son instituciones privadas propiedad de clientes o accionistas, aunque algunas son empresas que cotizan en bolsa. Reciben ahorros de individuos y usan esos fondos para proporcionar préstamos, principalmente hipotecas residenciales. Igualmente pueden ofrecer cuentas corrientes, préstamos de haber para el hogar u otros productos y servicios financieros.

Historial de ahorros y asociaciones de préstamos

La moderna asociación de ahorros y préstamos surgió de los esfuerzos del New Deal para estimular el mercado inmobiliario durante la Gran Depresión. S&LS jugó un papel importante en hacer posible la propiedad de vivienda para millones de estadounidenses de clase media durante gran parte del siglo XX.

La Ley Federal de Mesa de Préstamos Interiantes de 1932 estableció el Sistema Federal de Mesa de Préstamos Interiantes, una red de 11 (originalmente 12) entidades patrocinadas por el gobierno diseñadas para financiar y apoyar a las instituciones de préstamos a los hogares miembros. Esto es similar al sistema de la Reserva Federal de hoy para los bancos comerciales.

Como resultado, una ola de ahorros y préstamos locales con cargo de federal se desarrollaron más o menos de los EE. UU. Respaldados por fondos del gobierno de bajo costo, los S&L pudieron ofrecer préstamos para el hogar a dispendioso plazo a tasas de interés fijas. Estos eventualmente se convirtieron en la hipoteca de 30 abriles tal como la conocemos hoy.

En 1980, había aproximadamente 4,000 asociaciones de peculio y préstamos. A partir de 2023, había menos de 600, según el Federal Deposit Insurance Corp. (FDIC).

Muchos cerraron sus puertas durante la crisis de peculio y préstamo de los abriles ochenta y noventa. La inflación y la competencia de otros prestamistas hicieron algunos insolventes, mientras que las prácticas sin escrúpulos de otros jugadores empañaron la reputación de toda la industria.

Durante la longevo parte de su existencia, S&LS había sido asegurado por el Federal Savings and Loan Insurance Corp (FSlic). En declive al tener que rescatar a tantos ahorros, el FSlic fue abolido en 1989, y S&LS cayó bajo el valor de la FDIC, que además asegura a los bancos.

Asociación de ahorros y préstamos con contras y contras

Pros

  • Tasas y tarifas de interés competitivas: Históricamente, los ahorros han ofrecido tasas de interés más altas en cuentas de peculio en comparación con los bancos gracias a los fondos de bajo interés que obtienen de los bancos federales de préstamos hipotecarios. Igualmente puede obtener una tasa hipotecaria y tarifas más bajas a través de un S&L.
  • Servicio más personalizado: Adecuado a que S&L sirve a comunidades específicas con ubicaciones de teja y mortero, es posible que tenga una experiencia más personalizada que si fuera con un gran costado doméstico o un prestamista en sarta. Un peculio además puede adaptar un producto de préstamo hipotecario más estrechamente, u ofrecer términos o descuentos que no vea en otro espacio.
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Contras

  • Ya no está ampliamente acondicionado: S&LS es un hallazgo raro hoy. Dependiendo de dónde viva, a menudo es mucho más conveniente ir a un costado o cooperativa de crédito almacén.
  • Menos productos y servicios: a diferencia de los bancos y las cooperativas de crédito, los S&L tienden a centrarse solo en hipotecas. En particular, no trabajan mucho con clientes comerciales.

Lo que los prestatarios deben aprender sobre las asociaciones de peculio y préstamos hoy

Mientras que no es tan popular en la ahora, todavía existen asociaciones de peculio y préstamos, generalmente para extender el financiamiento a los compradores de viviendas. Operan de guisa similar a los bancos y las cooperativas de crédito, ya que ofrecen muchos de los mismos servicios: cuentas bancarias y préstamos para el hogar. Sin requisa, a diferencia de la mayoría de los bancos, se centran en hipotecas y cuentas de peculio, y clientes minoristas (individuales): están limitados en la extensión de los préstamos comerciales que pueden hacer. Por ley, el 65 por ciento de sus activos deben estar en préstamos o productos de consumo.

Si aceptablemente son mucho más pequeños que las grandes marcas en las asociaciones bancarias, ahorros y préstamos tienden a presumir de tasas de interés más altas en vehículos de peculio, no muy diferentes a las cooperativas de crédito. La estructura corporativa de muchos S&L además es similar a la de las cooperativas de crédito: ambas son sociedades “mutuas”, lo que significa que son técnicamente propiedad de su clientela: depositantes y prestatarios.

See also  Las tasas hipotecarias caen y igualan el mínimo de tres años

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