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HomeHipotecasHipoteca de tasa fija vs. Arm: ¿Cuál es la diferencia?

Hipoteca de tasa fija vs. Arm: ¿Cuál es la diferencia?

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  • Una hipoteca de tasa fija conlleva la misma tasa de interés y cuota mensual por la vida útil del préstamo. Una hipoteca de tasa ajustable (ARM) tiene una tasa de interés que cambia a intervalos preestablecidos, aumentando o disminuyendo el cuota mensual.

  • La tasa de interés introductoria en un auxilio suele ser más quebranto que la tasa en una hipoteca de tasa fija.

  • Las hipotecas de tasa fija son más populares que los brazos. En genérico, los brazos son mejores para los prestatarios que planean moverse o refinanciar ayer del final del período de tarifa introductoria, o pueden sufragar pagos mensuales más altos.

Motorías de tasa fija contra tasas ajustables (brazos)

Las hipotecas de tasa fija son la opción para la mayoría de los prestatarios, a pesar de las hipotecas de tasa ajustable (ARMS) que cobran una tasa de interés más quebranto para comenzar.

Cómo funcionan las hipotecas de tasa fija

Una hipoteca de tasa fija (FRM) tiene la misma tasa de interés para la vida útil del préstamo, por lo que el cuota mensual de su hipoteca, la parte principal y de intereses, no cambiará a menos que se mueva o refinancie. Las hipotecas de tasa fija generalmente vienen en términos de 30 abriles y 15 abriles, pero igualmente hay opciones de plazo flexibles de ocho abriles a 29 abriles.

Cómo funcionan las hipotecas de tasa ajustable (brazos)

Una hipoteca de tasa ajustable tiene una tasa de interés que cambia a intervalos predeterminados a posteriori de un período introductorio de tasa fija, típicamente tres, cinco, siete o 10 abriles. En genérico, esta tasa fija auténtico es más quebranto que la de una hipoteca en serie de tasa fija.

Una vez que finaliza el término introductorio, su tasa se ajustará con destino a hacia lo alto o con destino a debajo, generalmente cada seis meses o cada año. Estos ajustes a menudo están vinculados a un índice financiero, como la tasa de financiamiento noctívago garantizada (SOFR). La mayoría de los brazos tienen límites que limitan cuánto puede aumentar su tasa.

Diferencias entre las hipotecas de tasa fija frente a la tasa ajustable

La longevo diferencia entre una hipoteca de tasa fija y un auxilio es la variabilidad de la tasa de interés: con una hipoteca de tasa fija, la tasa permanece constante para todo el plazo del préstamo, mientras que una tasa de auxilio cambia con el tiempo. Si su tarifa aumenta, su cuota mensual igualmente aumentará y al revés.

Más allá de la estructura de tasas, las diferencias entre una hipoteca de tasa fija y un auxilio incluyen:

  • Tasa de interés auténtico: Un auxilio generalmente tiene una tasa de interés auténtico más quebranto y un cuota mensual que un préstamo de tasa fija.
  • Imperceptible de cuota auténtico: Un auxilio convencional requiere un longevo cuota auténtico del 5 por ciento, en comparación con el 3 por ciento en los préstamos convencionales de tasa fija.
  • Cómo se calcula el interés: Con una hipoteca de tasa fija, su tasa se establece al inicio del préstamo. Con un auxilio, su tasa se recalcula con cada ajuste, según el índice asociado con el auxilio, el beneficio y las tapas del prestamista.

Ejemplo de pagos de tasa fija contra auxilio

Aquí hay un ejemplo de la diferencia en el cuota mensual entre una hipoteca de tasa fija y un auxilio. En este escena, asumimos un primer ajuste de 1.5 por ciento, ajustes posteriores del 1.5 por ciento y un coto de tasa de por vida del 5 por ciento. Asimismo excluimos los propietarios de viviendas y los impuestos a la propiedad. Nuestra calculadora ARM contra tasa fija puede ayudarlo a comparar sus propios escenarios de cuota.

5/1 auxilio (30 abriles) FRM (30 abriles)
Precio de la casa $ 390,000 $ 390,000
Monto del préstamo $ 370,500 (5% menos) $ 378,300 (3% menos)
Tasa de interés auténtico 6.11% 6.89%
Plazo de la hipoteca auténtico $ 2,248 $ 2,489
Plazo mayor de la hipoteca $ 3,376 $ 2,489
.

Similitudes entre hipotecas de tasa fija y tasa ajustable

Las hipotecas y los brazos de tasa fija tienen algunos aspectos en popular:

  • Uno y otro vienen con la opción en serie de reembolso de 30 abriles. Tanto las hipotecas y los brazos de tasa fija ofrecen términos en serie de 30 abriles.
  • Uno y otro requieren un buen crédito por los términos más favorables. Con una hipoteca de tasa fija o un auxilio, necesitará un crédito de buen a excelente para obtener las mejores tarifas y términos.
  • Uno y otro pueden ser refinanciados. Ya sea que tenga una hipoteca o un auxilio de tasa fija, tendrá la opción de refinanciar.

Designar entre una hipoteca de tasa fija o de tasa ajustable

No hay una respuesta correcta o incorrecta sobre una hipoteca de tasa fija y de tasa ajustable, uno y otro tienen pros y contras. Aún así, un tipo de préstamo podría ser mejor que el otro para sus circunstancias financieras.

Las hipotecas de tasa fija pueden ser las mejores para:

  • Aquellos que planean quedarse -Si planea hacer que su próximo movimiento sea permanente, la estabilidad de una hipoteca de tasa fija podría ser la mejor opción. Nunca tendrá que preocuparse por los aumentos a su cuota mensual de haber e intereses, y tendrá la opción de refinanciar en el futuro si las tasas disminuyen.
  • Los que compran su primera casa – Comprar una casa es un proceso complicado, y los matices de un auxilio pueden hacerlo aún más desalentador. Adicionalmente, muchos programas de préstamo para compradores de vivienda por primera vez solo vienen con una opción de tasa fija.
  • Aquellos que reciben una hipoteca cuando las tasas son bajas – Si los costos de préstamos son relativamente baratos, podría ser mejor cortar esa quebranto tasa fija.
  • Aquellos con ahorros de cuota auténtico más bajos -Los préstamos convencionales de tasa fija solo requieren un 3 por ciento de quebranto, mientras que los brazos requieren un 5 por ciento. Si está apretado en efectivo, un préstamo de tasa fija podría ser más manejable en la parte delantera.

Los brazos pueden ser mejores para:

  • Aquellos que planean moverse a corto plazo – Si planea mudarse en unos abriles, puede economizar pasta con los bajos pagos de inclusión en un auxilio, y salir ayer de que la tarifa se reinicie.
  • Aquellos que anticipan que los ingresos aumentan – Si puede contar con un aumento importante en los ingresos con el tiempo o esperar una rendimiento inesperada financiera, podría estar mejor equipado para manejar los aumentos de tarifas.
  • Aquellos que reciben una hipoteca cuando las tasas son más altas o más volátiles – Un auxilio podría ser una opción más atractiva cuando las tasas de mercado prevalecientes son más altas o su movimiento es especialmente incierto.
  • Aquellos que obtienen un préstamo jumbo – Préstamo más hipoteca significa sufragar más en intereses con el tiempo. Un auxilio podría ayudarlo a economizar en este costo, al menos inicialmente.

Preguntas frecuentes

See also  ¿Qué es el interés hipotecario? | Bankrat

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