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Wednesday, September 30, 2026
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HomeHipotecas¿Qué es el seguro hipotecario? | Bankrat

¿Qué es el seguro hipotecario? | Bankrat

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Una casa con un patio delantero grande

PC Fotografía/ Getty Images; Ilustración de Austin Courregé/Bankrate

Control de contraseña

  • El seguro hipotecario es una tarifa que paga a su prestamista para cubrir los riesgos asociados con la financiación de su préstamo.

  • Diferentes tipos de préstamos tienen diferentes tipos de seguro hipotecario, que pueden requerir primas mensuales por superior o continuas o ambas.

  • Algunos préstamos no requieren seguro hipotecario. Por ejemplo, puede evitar el seguro hipotecario con un préstamo convencional haciendo un cuota original del 20 por ciento o más.

¿Qué es el seguro hipotecario?

El seguro hipotecario es una póliza de seguro que protege al prestamista hipotecario en caso de que no pueda fertilizar su hipoteca. Por lo común, se requiere cuando los prestatarios realizan pagos más bajos. Cuando determinado ha invertido menos en la casa por superior, el prestamista asume más riesgos para emitir la hipoteca. El seguro hipotecario ayuda a cubrir ese aventura.

Aunque cubre al prestamista, y el prestamista elige la aseguradora y la póliza, el prestatario paga el seguro hipotecario.

Tipos de seguro hipotecario y otras tarifas

El tipo de seguro hipotecario que necesitará depende del tipo de préstamo que tenga. Las opciones incluyen:

  • Seguro hipotecario privado (PMI): Si pone menos del 20 por ciento en un préstamo convencional, pagará PMI como parte del cuota mensual de su hipoteca.
  • Prima de seguro hipotecario de la FHA (MIP): Todos los préstamos de la FHA requieren MIP, que implica un cuota mensual, así como un cuota por superior que se puede transferir al monto de su préstamo.
  • Tarifa de financiación de VA: Los préstamos VA técnicamente no requieren un seguro hipotecario, pero deberá fertilizar una tarifa de financiación al clausura, o convertirlo en el saldo de su préstamo.
  • Tarifa de seguro del USDA: Similar a la tarifa de financiación de VA, deberá fertilizar una tarifa de seguro para obtener un préstamo del USDA. Hay una tarifa original y una tarifa continua.
  • Seguro de título de la hipoteca: El seguro de título protege a varias partes contra la responsabilidad si hay una disputa de propiedad o un defecto del título durante la adquisición de una casa. El seguro de título del prestamista protege al prestamista, y el seguro de título del propietario protege al propietario.

¿Cómo funciona el seguro hipotecario?

Los diferentes tipos de seguro hipotecario tienen diferentes requisitos y duraciones.

Por ejemplo, con una hipoteca convencional, pagará un seguro hipotecario como parte del cuota de su hipoteca. Puede solicitar abolir PMI una vez que tenga un 20 por ciento de hacienda en su hogar. Se cancelará automáticamente una vez que tenga un 22 por ciento de hacienda.

Con un préstamo de la FHA, todos pagan un seguro hipotecario, sin importar el tamaño del cuota original. Pagarás tanto por superior y el MIP anual. Si realiza un cuota original de menos del 10 por ciento, no puede abolir MIP: lo pagará por la vida útil del préstamo. Si reduce el 10 por ciento o más, pagará el MIP anual por 11 primaveras, o hasta que refinancie o venda.

Incluso con el seguro hipotecario, podría perder su hogar por ejecución hipotecaria si se atrasa en sus pagos.

Si es posible que realice un cuota original del 20 por ciento en un préstamo convencional, es probable que reciba una tasa hipotecaria más depreciación, por otra parte de no tener que fertilizar el seguro hipotecario.

¿Cuánto cuesta el seguro hipotecario?

El costo del seguro hipotecario depende de factores como:

  • El tipo de hipoteca
  • El tamaño del préstamo
  • El plazo del préstamo
  • Su cuota original original
  • Tu puntaje de crédito

Desglosemos por tipo de préstamo, utilizando una hipoteca de $ 400,000 como ejemplo:

Tipo de préstamo Tasa de seguro hipotecario Costo por un préstamo de $ 400,000
Préstamo convencional El costo promedio varía de 0.46 por ciento a 1.5 por ciento del monto del préstamo anualmente, según el Urban Institute $ 153 a $ 500 al mes
Hubo un préstamo Requiere un MIP por superior (1.75 por ciento del monto del préstamo) y MIP anual (entre 0.15 por ciento y 0.75 por ciento)
Por superior: $ 7,000
Anualmente: $ 600 a $ 3,000
Préstamo del USDA Incluye una tarifa de seguro original de hasta el 3.5 por ciento del monto de su préstamo, así como una tarifa anual de hasta el 0.5 por ciento del monto de su préstamo Por superior: Mayor de $ 14,000
Anualmente: Mayor de $ 2,000
Se verá Una tarifa original de 1.25 por ciento a 3.3 por ciento del monto del préstamo $ 5,000 a $ 13,200

¿Cómo se calcula el seguro hipotecario?

El seguro hipotecario se calcula en función de varias variables, incluido el monto del préstamo y la relación de préstamo a valía (LTV), o el monto del cuota original. Cuanto decano sea el cuota original, último será su prima de seguro hipotecario.

Pros y contras del seguro hipotecario

Está harto claro cómo esta cobertura beneficia al prestamista, pero ¿cómo funciona el seguro hipotecario para el prestatario? Aquí están los principales pros y contras.

Pros del seguro hipotecario

  • No es necesario que reduzcan un 20 por ciento para obtener una hipoteca
  • Comience a construir equidad más rápidamente
  • Más cuartos para deteriorar en otras cosas, como muebles o reparaciones iniciales, en extensión de ponerlo cerca de un cuota original más alto

Contras del seguro hipotecario

  • Gastos adicionales para fertilizar
  • Puede ser difícil o inasequible de abolir, dependiendo del tipo de préstamo
  • Protege al prestamista, no tú

Lo que los prestatarios deben aprender sobre el seguro hipotecario

A medida que el costo de las viviendas continúa aumentando, se está volviendo cada vez más difícil fertilizar un cuota de la hipoteca, y mucho menos para sujetar un 20 por ciento en una casa. Si fertilizar un seguro hipotecario lo ayuda a ingresar a una casa más rápidamente, o si evitar un 20 por ciento es casi inasequible en su presupuesto, es probable que valga la pena, incluso si cuesta un poco más.

Sin secuestro, si positivamente no desea fertilizar por el seguro hipotecario, y no puede permitirse sujetar el 20 por ciento, puede explorar un par de opciones:

  • Los programas de colaboración para el cuota original pueden ofrecer ayuda con los costos de propiedad de vivienda original en forma de subvenciones o préstamos de bajo costo. Algunos ofrecen hipotecas que no requieren seguro hipotecario.

  • Un préstamo de piggyback implica obtener dos hipotecas para fertilizar su hogar: uno por el 80 por ciento del precio de la vivienda y otra para el 10 por ciento. La segunda hipoteca más pequeña cubre parte del cuota original. Finalmente, realizará un cuota original del 10 por ciento, lo que lo lleva a un cuota original del 20 por ciento. Antiguamente de designar un préstamo de piggyback, haga los cálculos frente a el costo de PMI para comprobar de evitar cuartos.

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