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Tuesday, September 22, 2026
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HomeValor de la ViviendaPor qué más personas sacan a Helocs

Por qué más personas sacan a Helocs

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Imagen de GettyImages; Ilustración de Bankrate

Los Helocs están calientes.

Los propietarios de viviendas están pidiendo prestado más de la equidad en sus hogares con las líneas de crédito de hacienda doméstico (HELOC), según el posterior referencia de deuda y crédito del hogar del Sotabanco de la Reserva Federal de Nueva York.

Los consumidores aumentaron sus saldos en HELOC en el cuarto trimestre de 2024 en $ 9 mil millones a $ 396 mil millones. El aumento refleja el undécimo trimestre consecutivo de crecimiento, posteriormente de una larga disminución en los saldos que comenzaron en 2009.

Y no son solo saldos los que están escalando. Según las soluciones de datos de Attom, las originaciones de HELOC aumentaron en el tercer trimestre de 2024 en la mayoría de las áreas metropolitanas que analizó. ¿Qué hay detrás de la creciente popularidad de los Helocs y por qué podría considerar obtener uno?

¿Por qué los Helocs son populares ahora?

Tocar la equidad en el hogar no es carencia nuevo, pero es particularmente tentador en estos días. El valencia de la décimo de la propiedad de los estadounidenses en sus hogares se ha disparado cercano con los títulos de las propiedades en los últimos primaveras: los propietarios de viviendas que tengan hipotecas tienen, en promedio, un cercanoRegistre $ 311,000 en hacienda. Si correctamente existen varias formas de pedir prestado contra esta estaca, hay una razón por la cual los productos hipotecarios, como Helocs, están superando a otros métodos.

Las refinanciamiento de efectivo solían ser la forma de narración. Pero, BACK Durante la pandemia Covid, muchos estadounidenses compraron o refinanciaron hogares a tasas de interés del 4 por ciento o menos. Hoy, renunciar a esa tasa devaluación para poco más cercano al 7 por ciento, como requeriría un Refi, no tiene sentido para muchos propietarios.

See also  Helocs Retreat Mientras los préstamos de equidad en el hogar se mantienen estables

Costos más baratos

“El aumento constante en los precios de las viviendas significa que los propietarios están sentados en más hacienda que nunca, y con tasas hipotecarias Aproximadamente del 7 por ciento, la refinanciación de efectivo no es una forma viable de utilizar el hacienda para los prestatarios con tasas hipotecarias mucho más bajas “, dice Greg McBride, analista financiero cabecilla de Bankrate. “Más hacienda en medio de tasas hipotecarias más altas significa que los prestatarios buscan líneas de hacienda para el hogar en números más grandes, los prestamistas están aprobando líneas de crédito más grandes y los prestatarios están aprovechando esas líneas”.

La popularidad de Helocs igualmente refleja el hecho de que se están volviendo más baratos.

Las tasas de HELOC comenzaron en 2024 en un mayor casi histórico del 10.16 por ciento, según la averiguación franquista de prestamistas de Bankrate. Pero desde entonces, se han vuelto mucho más asequibles, promediando cerca del 8,25 por ciento a mediados de febrero, el nivel más bajo en casi dos primaveras. Su caída refleja la reducción de su tasa de interés de narración de la Reserva Federal durante el otoño de 2024 y McBride pronostica que las tasas continuarán disminuyendo en 2025, con un promedio de 7.25 por ciento, ya que la Fed continúa reduciendo las tasas.

Si correctamente los movimientos de la Fed finalmente impactan todos los préstamos de consumo hasta cierto punto, han puesto un foco en los Helocs. Las líneas de crédito de tasa variable responden más dramáticamente a los cambios que sus primos de tasa fija, los préstamos de equidad en el hogar. De hecho, los HELOC están promediando más bajos que los préstamos por primera vez en dos primaveras. Muchos prestamistas igualmente ofrecen tarifas introductorias en HELOC, especialmente los APR fijos y fijos durante un período temporal, para atraer a los prestatarios.

See also  Las tasas de HELOC alcanzan el nivel más bajo desde 2022

Encima, conveniente a que usan su hogar como respaldo, los HELOC tienen tasas de interés mucho más bajas que los préstamos personales y las tarjetas de crédito no garantizadas (es proponer, sin respaldo). Estos últimos son particularmente altos en este momento, promediando más del 20 por ciento. Las personas a menudo usan fondos de HELOC para retribuir una deuda más costosa, como los saldos de tarjetas de crédito.

¿Quién puede sacar a un Heloc?

Desafortunadamente, los Helocs pueden corretear duro para conseguir. Usted solicita tanto como lo haría para una hipoteca, pero ser consentido no es viable. A casi la parte de los solicitantes se les negó a HELOC en el tercer cuarto de 2024, más del doble de la tasa de hipotecas convencionales.

Para convertirse en un candidato de HELOC cachas, asegúrese de que todas sus finanzas estén a la mérito antaño de solicitar. Los criterios variarán según el prestamista, pero normalmente necesitará:

  • Una relación sólida de préstamo a valencia (LTV): necesitará al menos un 20 por ciento de hacienda en su hogar, o un LTV combinado de no más del 80 por ciento, aunque algunos prestamistas permiten un hacienda del 15 por ciento o un LTV del 85 por ciento.
  • Un puntaje de crédito por encima del promedio: si correctamente puede clasificar con un puntaje en los primaveras 600 mediados a superiores, un puntaje de 700 o superior lo ayudará a estabilizar la mejor tasa y los términos.
  • Una devaluación relación deuda / ingreso (DTI): cuanto más bajo sea su DTI, mejor. Un DTI del 43 por ciento o menos muestra a los prestamistas que usted es mejor para gobernar su deuda en relación con sus ingresos.
See also  ¿Deberías aprovechar la equidad del hogar en una recesión?

En pocas palabras en Helocs

Aunque en casi $ 400 mil millones, los saldos de HELOC todavía están muy por debajo de sus niveles una vez elevados (hasta $ 710 mil millones). Es posible que este posterior aumento se vuelva más un rechazo que un esplendor. Aún así, están invirtiendo una larga disminución y, en un momento en que los propietarios están sentados en cantidades récord de hacienda, claramente creciendo en tamaño y números.

Los HELOC pueden ser ideales para proyectos de mejoras para el hogar u otros gastos en los que los costos a menudo se incurren en etapas. Sin confiscación, cedido que involucran sumas de cinco e incluso seis cifras, estas líneas de crédito pueden arrostrar algunos criterios estrictos, es importante cerciorarse de que sus finanzas estén en orden antaño de aplicar.

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