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Friday, September 18, 2026
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HomeHipotecas¿Estrategia inteligente o consejos anticuados?

¿Estrategia inteligente o consejos anticuados?

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  • “Casarse con la casa, aniversario la tasa” se refiere al concepto de comprar ahora con el ojo de la refinanciación en caso de que las tasas caigan.

  • El consejo está dirigido a compradores cautelosos que están preocupados por comprar una casa, mientras que las tarifas están elevadas.

  • El plan funciona si las tarifas caen bruscamente, o si las tarifas caen un poco, pero puede evitar los costos de candado.

Cuando las tasas hipotecarias comenzaron a aumentar en 2022, los estadounidenses respondieron comprando menos casas. En un intento por estimular a los compradores reacios a dejar de costado sus miedos y hacer un movimiento, muchos en la industria de la vivienda han comenzado a usar la frase “casarse con la casa, salir con la tarifa”.

Lo que significa “casarse con la casa” y “copiar la tarifa”

Este letrero se hizo popular durante la era post-pandemia de tasas crecientes. Es un coloquialismo que contrasta la relativa permanencia de poseer una casa con la transacción mucho más temporal de aceptar un préstamo hipotecario. A posteriori de todo, durante mucho tiempo ha sido una experiencia popular para los propietarios de viviendas cuando las tasas hipotecarias caen.

Casarse con la casa

“Marry the House” es un concepto sencillo: encuentra la casa de tus sueños y vive adecuado para siempre. En esta parte de la logística de negocio, te enfocas en encontrar una casa que amas. La propiedad de vivienda puede o no ser tan duradera como un casorio efectivo: en la decenio de 1940, uno de cada cinco estadounidenses se mudó cada año, aunque ese ritmo ha disminuido constantemente desde mediados de la decenio de 1980, según investigaciones del Centro Conjunto de Estudios de Vivienda de Harvard. En cualquier caso, no tiene que quedarse en la casa para siempre, pero se compromete con al menos unos primaveras.

Época de la tasa

Mientras desarrolla una conexión emocional con una casa, lo mismo no se aplica a una hipoteca. Es solo un herramienta financiero. La semejanza con las citas es poco adecuada: puede seguir con su hipoteca durante unos meses o primaveras, pero cuando surge poco mejor, puede romper con la antigua hipoteca y advenir a la nueva. A Dios gracias para los prestatarios, refinanciar una hipoteca es menos incómodo y desgarrador que desasistir a un compañero romántico.

¿’Casarse con la casa, aniversario la tasa’ sigue siendo un buen consejo en el mercado coetáneo?

Si aceptablemente las tasas cayeron por debajo del 3 por ciento por solo un breve período durante la pandemia, los acuerdos fueron tan tentadores que muchos no pueden olvidar el momento de mosca súper de lance. Como resultado, las ventas de viviendas se han convertido en algunos de los niveles más bajos en primaveras. Transmitido ese telón de fondo, “casarse con la casa, aniversario la tasa” es un consejo útil.

Una advertencia: no debe contar con los títulos de las viviendas que suben y las tasas hipotecarias bajan. Si aceptablemente los precios de la vivienda han estado estableciendo un récord tras otro, es posible que hayan entrado en un período de aprecio más pálido. Y las tasas hipotecarias son especialmente impredecibles. Si aceptablemente los economistas de la vivienda esperan que las tasas hipotecarias caigan gradualmente, no hay garantías.

Vishal Garg, CEO del prestamista hipotecario Better, es un defensor de la logística de “casarse con la casa, aniversario de la tasa”.

“La primera pregunta es: ¿has incompatible una casa que amas? Segundo, ¿puedes financiar la casa que amas a un precio similar a lo que pagas en el inquilinato?” Garg dice. “Si ese es el caso, tiene la oportunidad de comprar una opción para refinanciar en el futuro y someter significativamente sus costos de vivienda”.

La primera pregunta es: ¿has incompatible una casa que amas? En segundo puesto, ¿puedes financiar la casa que amas a un precio similar a lo que pagas en el inquilinato? “

– Vishal Garg
CEO, Better.com

Garg ha hecho parte de la logística de su empresa “Date the Tarife. Better ofrece costos de candado reducidos a los compradores de viviendas que financian una negocio con la compañía y luego refinancian con Better en el futuro.

Eso es importante porque los costos de candado pueden hacer que un refinanciamiento sea un mal negocio. Sin incautación, en algunos casos, puede refinanciar sin tarifa de seguro de título y sin evaluación. “Eso significa que puedes hacer un refi casi cero de costo cero”, dice Garg.

En ese caso, incluso una modesta reducción en las tasas hipotecarias podría desencadenar a un prestatario para apostar el campo. Digamos que tiene un préstamo de $ 400,000 al 7 por ciento, por un haber mensual y un cuota de intereses de $ 2,661. Si las tarifas caen al 6.25 por ciento, su nuevo cuota sería de $ 2,463, o un hucha de $ 198 al mes.

Si sus costos de candado son de $ 4,000, alcanzaría los costos de refinanciación en 20 meses.

¿Cuándo es inteligente “casarse con la casa, copiar la tarifa”?

Casarse con la casa y salir con la tarifa podría funcionar a su honra si:

  • Puede avalar una casa que le guste a las tarifas de hoy
  • Esperas quedarte en la casa durante al menos tres a cinco primaveras.
  • Su inquilinato mensual es comparable a lo que costaría tener una casa
  • Puede refinanciar en una hipoteca que conlleva una exención de seguro de título, una exención de evaluación u otros costos de candado con descuento

¿Cuándo debe evitar ‘casarse con la casa, salir con la tarifa’?

Por otro costado, esta logística puede no ser para su beneficio si:

  • No puede encontrar una casa que esté en su presupuesto y satisfaga sus evacuación
  • Crees que te mudarás por razones laborales o familiares en los próximos tres a cinco primaveras.
  • Su inquilinato mensual es significativamente más de lance de lo que sería el cuota mensual de la hipoteca
  • Usted vive en un estado como Florida o Nueva York que recauda un impuesto sobre la refinanciación: el costo adicional puede expulsar el punto de estabilidad

Alternativas al enfoque de ‘casarse con la casa, aniversario de la tasa’

¿Todavía no estoy seguro de si esta es la logística adecuada para usted? Aquí hay algunos enfoques diferentes que puede considerar:

  • Espere a que las tarifas caigan: El principal inconveniente aquí es que los precios de las viviendas podrían aumentar mientras demora, lo que podría compensar cualquier hucha que pueda obtener refinanciándose a una tasa más desaparecido más delante.
  • Saco un hipoteca de tasa ajustable (BRAZO): Estos préstamos le permiten capturar la disminución de las tasas hipotecarias sin refinanciarlo, aunque las armas lo exponen al aventura de que las tasas aumenten en el futuro.
  • Sufragar por los puntos de la hipoteca: Si decide advenir con la negocio de la casa, puede comprar puntos de descuento de su prestamista al candado. Estos pueden someter su tasa de interés, a menudo en 0.25% por punto de hipoteca.
See also  ¿Qué incluye una solicitud de hipoteca?

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