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<style scoped>.tdi_17,.tdi_17 .tdc-columns{min-height:0}.tdi_17,.tdi_17 .tdc-columns{display:block}.tdi_17 .tdc-columns{width:100%}.tdi_17:before,.tdi_17:after{display:table}@media (max-width:767px){.tdi_17,.tdi_17 .tdc-columns{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_17 .tdc-columns{width:100%}.tdi_17:before,.tdi_17:after{display:none}@media (min-width:768px){.tdi_17{margin-left:-0px;margin-right:-0px}.tdi_17 .tdc-row-video-background-error,.tdi_17>.vc_column,.tdi_17>.tdc-columns>.vc_column{padding-left:0px;padding-right:0px}}}@media (max-width:767px){.tdi_17{padding-top:5px!important;padding-bottom:5px!important;position:relative}}</style>
<div class="tdi_16_rand_style td-element-style" ><style>@media (max-width:767px){.tdi_16_rand_style{background-color:#00456e!important}}</style></div><div class="vc_column tdi_19  wpb_column vc_column_container tdc-column td-pb-span3">
<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>
<style>.tdb_module_header{width:100%;padding-bottom:0}.tdb_module_header .td-module-container{display:flex;flex-direction:column;position:relative}.tdb_module_header .td-module-container:before{content:'';position:absolute;bottom:0;left:0;width:100%;height:1px}.tdb_module_header .td-image-wrap{display:block;position:relative;padding-bottom:70%}.tdb_module_header .td-image-container{position:relative;width:100%;flex:0 0 auto}.tdb_module_header .td-module-thumb{margin-bottom:0}.tdb_module_header .td-module-meta-info{width:100%;margin-bottom:0;padding:7px 0 0 0;z-index:1;border:0 solid #eaeaea;min-height:0}.tdb_module_header .entry-title{margin:0;font-size:13px;font-weight:500;line-height:18px}.tdb_module_header .td-post-author-name,.tdb_module_header .td-post-date,.tdb_module_header .td-module-comments{vertical-align:text-top}.tdb_module_header .td-post-author-name,.tdb_module_header .td-post-date{top:3px}.tdb_module_header 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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:-11070px;width:1073px;'>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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<style>.tdb_title{margin-bottom:19px}.tdb_title.tdb-content-horiz-center{text-align:center}.tdb_title.tdb-content-horiz-center .tdb-title-line{margin:0 auto}.tdb_title.tdb-content-horiz-right{text-align:right}.tdb_title.tdb-content-horiz-right .tdb-title-line{margin-left:auto;margin-right:0}.tdb-title-text{display:inline-block;position:relative;margin:0;word-wrap:break-word;font-size:30px;line-height:38px;font-weight:700}.tdb-first-letter{position:absolute;-webkit-user-select:none;user-select:none;pointer-events:none;text-transform:uppercase;color:rgba(0,0,0,0.08);font-size:6em;font-weight:300;top:50%;-webkit-transform:translateY(-50%);transform:translateY(-50%);left:-0.36em;z-index:-1;-webkit-text-fill-color:initial}.tdb-title-line{display:none;position:relative}.tdb-title-line:after{content:'';width:100%;position:absolute;background-color:var(--td_theme_color,#4db2ec);top:0;left:0;margin:auto}.tdb-single-title .tdb-title-text{font-size:41px;line-height:50px;font-weight:400}.tdi_69 .tdb-title-text{color:#000000;font-family:Merriweather Sans!important;font-size:35px!important;line-height:1.4!important;font-weight:700!important}.tdi_69 .tdb-add-text{color:#000000;font-family:Merriweather Sans!important}.tdi_69 .tdb-title-line:after{height:2px;bottom:40%;background:#000000}.tdi_69 .tdb-title-line{height:50px}.td-theme-wrap .tdi_69{text-align:left}.tdi_69 .tdb-first-letter{left:-0.36em;right:auto;font-family:Merriweather Sans!important}@media (min-width:768px) and (max-width:1018px){.tdi_69 .tdb-title-text{font-size:27px!important}}@media (max-width:767px){.tdi_69 .tdb-title-text{font-size:25px!important}}</style><div class="tdb-block-inner td-fix-index"><h1 class="tdb-title-text">Soñé con ser propietario de una vivienda durante años. La realidad no es lo que esperaba |</h1><div></div><div class="tdb-title-line"></div></div></div><div class="td_block_wrap tdb_single_featured_image tdi_70 tdb-content-horiz-left td-pb-border-top td_block_template_1"  data-td-block-uid="tdi_70" >
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<p>Cerrar mi hipoteca hace casi tres primaveras me pareció surrealista. Tenía 31 primaveras y tenía la llavín de mi propio condominio en el corazón de Seattle, a tan pronto como media milla de Space Needle. Lo compré sola, uniéndome al creciente número de mujeres solteras que compran casas, un género demográfico tan inspirador del que formar parte.</p>
<p>Comprar una casa fue un sueño de muchos, muchos primaveras hecho ingenuidad. Pero a medida que se hizo ingenuidad, el costo existente de lo que había renunciado a comprar una vivienda comenzó a mostrarse&#8230; y me pareció elevado.</p>
<p>Todavía amo mi hogar. Quería un área que pudiera denominar mío y eso es lo que tengo. Así que, por crédito, no tome lo que voy a sostener a continuación como un intento de disuadirlo de comprar una casa. Tómalo como una oportunidad para desafiar tus expectativas. </p>
<p>Así es como muchos piensan que es ser propietario de una vivienda y en qué se diferenciaron mis experiencias de lo que esperaba. </p>
<h2 data-position="1" data-beam-element-viewed="" data-id="br-h2-1-onpage-placement" data-type="h2" data-location="Editorial" data-name="h2_all" data-text="The rosy expectations of homeownership" data-outcome="">Las optimistas expectativas de ser propietario de una vivienda</h2>
<p>Llevo un tiempo cubriendo finanzas personales y escucho y leo muchas suposiciones e incluso consejos sobre la propiedad de vivienda que carecen de matices o están desactualizados. Éstos son algunos de los cuales mi propia experiencia ha demostrado que son incorrectos. </p>
<h3>Los costos de la hipoteca son comparables a los pagos de locación.</h3>
<p>Solía ​​existir la principios de que los pagos de la hipoteca son más asequibles que el locación. O al menos los costes parecían comparables. </p>
<p>Hoy, sin incautación, ese simplemente no es el caso.</p>
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<p>Mi casa es modesta. Hice mi espacio apacible y exclusivamente mío, pero extraño los pasillos perfumados y las encimeras blancas brillantes del postrer unidad que alquilé. Tenía bonitos pisos de vinilo, una terraza en la tarro y una sala de paquetes con casilleros que requerían un código.</p>
<p>Ahora tengo una felpudo corriente, una lavadora vieja que tiembla tan robusto que se mueve por el armario y no tengo comodidades. El otro día, alguno abrió mi paquete en el vestíbulo y robó el cable de extensión de unos auriculares.</p>
<p>Mentalmente hubiera sido más viable si hubiera pagado menos por mi condominio, pero cuota más. <em>Mucho</em> más.</p>
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<p>En promedio, arrendar es más saldo que acreditar una hipoteca en las 50 áreas metropolitanas más grandes de EE. UU., según el estudio Rent vs. Buy de Bankrate. Seattle se encuentra entre las tres principales áreas metropolitanas con las mayores brechas entre locación y transacción. Actualmente se sitúa en el 119,5%: el locación mensual peculiar es de $2265, en comparación con un cuota hipotecario mensual peculiar de $4971.</p>
<p>Parece que en mi caso no es tan malo. Zillow me dice que arrendar mi casa me costaría aproximadamente un 73% menos de lo que cuota actualmente por mi hipoteca. Aún así, ese número me da ganas de gimotear un poco.</p>
<div style="clear:both; margin-top:0em; margin-bottom:1em;"><a href="https://financesnewsonline.com/que-es-una-relacion-prestamo-valor" target="_self" rel="dofollow" class="u9b1d2b0639bdcd673a7c25cf65537d30"><!-- INLINE RELATED POSTS 1/3 //--><style> .u9b1d2b0639bdcd673a7c25cf65537d30 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u9b1d2b0639bdcd673a7c25cf65537d30:active, .u9b1d2b0639bdcd673a7c25cf65537d30:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u9b1d2b0639bdcd673a7c25cf65537d30 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u9b1d2b0639bdcd673a7c25cf65537d30 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u9b1d2b0639bdcd673a7c25cf65537d30 .postTitle { color:#000000; text-decoration: underline!important; font-size: 16px; } .u9b1d2b0639bdcd673a7c25cf65537d30:hover .postTitle { text-decoration: underline!important; } </style><div style="padding-left:1em; padding-right:1em;"><span class="ctaText">See also</span>&nbsp; <span class="postTitle">¿Qué es una relación préstamo-valor?</span></div></a></div><p><em>Ay, los pasillos perfumados. Las encimeras blancas brillantes.</em></p>
<p>Adicionalmente, como propietario de una vivienda, usted debe acreditar gastos no incluidos en su cuota, como mantenimiento y reparaciones. Esto me hace casi agradecido por las cuotas de la asociación de propietarios (HOA). El año pasado, mi techo tuvo goteras y no tuve que preocuparme por acreditar mínimo. La Asociación de Propietarios de mi condominio contrató y pagó a contratistas. A diferencia de los propietarios de viviendas unifamiliares, solo soy responsable de lo que hay en el interior de mi casa (por supuesto, incluso eso tiene el potencial de agotar mis ahorros algún día en el futuro).</p>
<h3>El cuota de tu hipoteca debe ser el 30% de tus ingresos.</h3>
<p>La pauta tradicional es proseguir el cuota de la vivienda en el 30% de sus ingresos brutos o menos. Sin incautación, en el mercado inmobiliario contemporáneo, eso es cada vez más difícil en muchas áreas metropolitanas. Un hogar peculiar estadounidense necesita llevar el 43% de sus ingresos brutos (antiguamente de impuestos) para permitirse una vivienda de precio medio, según el Prospección de asequibilidad de la vivienda 2025 de Bankrate. </p>
<p>Eso es sólo un poco más de lo que compra. Eso significa que posteriormente de impuestos, más de la porción de mi sueldo mensual se destina al cuota de mi condominio. No vivo exactamente de cheque en cheque, pero asimismo lucho por atesorar peculio como solía hacerlo. Es muy posible que sea “escaso en casa”, y esa es la única forma en que puedo ser propietario de una casa donde vivo. </p>
<h3>Los pagos de tu casa no aumentarán</h3>
<p>La queja que mucha masa tiene con el locación es que el cuota mensual tiende a aumentar cada año. El cuota de una hipoteca, que incluye intereses y principal, permanece constante durante toda la vigencia de la hipoteca. Esa coherencia puede resultar atractiva, pero no cuente con que el cuota de su vivienda permanezca sin cambios.</p>
<p>Adicionalmente del cuota de la hipoteca, los costos mensuales de vivienda asimismo incluyen el seguro del hogar, los impuestos a la propiedad y, en casos como el mío, las tarifas de la Asociación de propietarios. Estos costos han aumentado cada año desde que compré mi casa y actualmente representan más o menos del 35% de mi cuota mensual de vivienda. No espero que ningún de ellos baje.</p>
<h3>Comprar una casa es una forma segura de suscitar riqueza</h3>
<p>Una de las ventajas más promocionadas de ser propietario de una vivienda es la oportunidad que ofrece de suscitar riqueza. Cada vez que realiza un cuota de hipoteca, contribuye a su hacienda. Es una forma de suscitar riqueza generacional. Las cifras parecen confirmar esta idea: el patrimonio neto medio de los propietarios de viviendas es considerablemente veterano, más o menos de 396.500 dólares, en comparación con el patrimonio neto medio de 10.410 dólares de los inquilinos, según datos de la Reserva Federal.</p>
<div style="clear:both; margin-top:0em; margin-bottom:1em;"><a href="https://financesnewsonline.com/que-es-un-prestamista-corresponsal" target="_self" rel="dofollow" class="u100df412da4ee2d57a12a6c07f186d80"><!-- INLINE RELATED POSTS 2/3 //--><style> .u100df412da4ee2d57a12a6c07f186d80 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u100df412da4ee2d57a12a6c07f186d80:active, .u100df412da4ee2d57a12a6c07f186d80:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u100df412da4ee2d57a12a6c07f186d80 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u100df412da4ee2d57a12a6c07f186d80 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u100df412da4ee2d57a12a6c07f186d80 .postTitle { color:#000000; text-decoration: underline!important; font-size: 16px; } .u100df412da4ee2d57a12a6c07f186d80:hover .postTitle { text-decoration: underline!important; } </style><div style="padding-left:1em; padding-right:1em;"><span class="ctaText">See also</span>&nbsp; <span class="postTitle">¿Qué es un prestamista corresponsal?</span></div></a></div><p>Sigo teniendo esperanzas al mirar estas estadísticas. No siempre es viable cuando veo fluctuar el valía estimado de mi casa en Redfin, que es $ 15,000 menos de lo que la compré en este momento. </p>
<p>Siquiera es viable por la forma en que funciona la amortización de las hipotecas. Al principio, cuando el saldo de su préstamo es veterano, la veterano parte de su peculio se destina a intereses. Para ilustrar, el año pasado pagué casi $4,100 de mi saldo de hacienda y cerca de $26,000 en intereses. Con el paso de los primaveras, la parte principal aumentará, pero pasarán otros 18 primaveras hasta que se convierta en la veterano parte de mi cuota. </p>
<p>Dieciocho primaveras. Tengo 33 primaveras. Hace dieciocho primaveras, era un adolescente y sólo me preocupaban mis notas en matemáticas y si vería el vídeo de mi partida de rock favorita en MTV. Este tipo de plazo es difícil de comprender cuando se acento de deuda, especialmente del tipo que mantiene su casa como señal. </p>
<h3>Simplemente puede refinanciar para atesorar en intereses.</h3>
<p>“Cásate con la casa, aniversario con la tarifa” es una frase popular en la industria inmobiliaria contemporáneo. Significa que debe nominar una propiedad en la que pueda imaginarse instalarse sin sentirse tan comprometido con la hipoteca con su tasa de interés. A posteriori de todo, cuando las tasas bajan, siempre se puede refinanciar: obtener una nueva hipoteca para reemplazar la existente. Si obtiene una tasa de interés más víctima, su cuota mensual será último y asimismo pagará menos a dadivoso plazo. </p>
<p>Esto suena simple en teoría, pero hay matices. </p>
<p>En primer área, la mayoría de los prestamistas exigen que usted tenga al menos un 20 % de hacienda para refinanciar, o una relación préstamo-valor (LTV) del 80 % o menos. Solo puse un 3% cuando obtuve mi hipoteca y la posible disminución en el valía de mi casa siquiera ayuda a mi índice LTV. Adicionalmente, las tarifas no han bajado lo suficiente desde que compré mi condominio como para considerar una refinanciación. Y no se puede sostener si bajarán mucho más. Al fin y al promontorio, la media histórica es del 7,71%, según Freddie Mae. </p>
<p>Por postrer, la refinanciación conlleva costos de obstrucción, lo que significa que es necesario disponer de unos cuantos miles de dólares de los que pueda disponer, cosa que yo no tengo. Y no es una prioridad para mí atesorar ese peculio, ya que me preocupa mucho más conseguir que mi fondo de emergencia cubra entre tres y seis meses de gastos básicos.</p>
<div style="clear:both; margin-top:0em; margin-bottom:1em;"><a href="https://financesnewsonline.com/requisitos-de-conyuge-de-prestamo-de-va-bankrat" target="_self" rel="dofollow" class="ucf71984edce20b12c27380b276ce41f9"><!-- INLINE RELATED POSTS 3/3 //--><style> .ucf71984edce20b12c27380b276ce41f9 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .ucf71984edce20b12c27380b276ce41f9:active, .ucf71984edce20b12c27380b276ce41f9:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .ucf71984edce20b12c27380b276ce41f9 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .ucf71984edce20b12c27380b276ce41f9 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .ucf71984edce20b12c27380b276ce41f9 .postTitle { color:#000000; text-decoration: underline!important; font-size: 16px; } .ucf71984edce20b12c27380b276ce41f9:hover .postTitle { text-decoration: underline!important; } </style><div style="padding-left:1em; padding-right:1em;"><span class="ctaText">See also</span>&nbsp; <span class="postTitle">Requisitos de cónyuge de préstamo de VA | Bankrat</span></div></a></div><p>Eso significa que la refinanciación podría estar fuera de mi significación, al menos por un buen tiempo.</p>
<h2 data-position="2" data-beam-element-viewed="" data-id="br-h2-2-onpage-placement" data-type="h2" data-location="Editorial" data-name="h2_all" data-text="Buying a home shouldn’t only be an investment" data-outcome="">Comprar una casa no debería ser sólo una inversión</h2>
<p>Si está considerando la transacción de su primera vivienda sólo como una inversión, la ingenuidad de ser propietario de una vivienda puede decepcionarlo. El mercado inmobiliario es congruo estupendo y el retorno de su inversión no está tan protegido como podría pensar, al menos no en el corto plazo. Adicionalmente, es posible que tengas que renunciar a la calidad de vida que proporciona el locación. </p>
<p>Adicionalmente, una casa no es lo único en lo que puede trastornar. Si continúa alquilando, no permita que eso le impida aumentar su riqueza, ya sea invirtiendo en el mercado de títulos, comprando bonos o incluso simplemente construyendo una escalera de CD. Hay muchas opciones fuera del sector inmobiliario para suscitar riqueza.</p>
<p>En cuanto a comprar su primera casa, trátela como una sufragio de estilo de vida, como si ganara un área donde querrá establecerse durante primaveras. Eso le da significado a sus posibles sacrificios y le da tiempo suficiente para suscitar un hacienda considerable. </p>
<h2 data-position="3" data-beam-element-viewed="" data-id="br-h2-3-onpage-placement" data-type="h2" data-location="Editorial" data-name="h2_all" data-text="The bottom line" data-outcome="">El resultado final</h2>
<p>A pesar de toda la lucha, mi hogar es un motivo de orgullo para mí. No pienso tanto en cuándo puedo refinanciar como en todas las actualizaciones que quiero realizar. No me preocupan demasiado las fluctuaciones inmediatas del valía de la vivienda porque no planeo ir a ningún flanco durante al menos una lapso. </p>
<p>Me gusta porque es <em>mío</em>. Mi hogar me permite sentirme arraigado, una verdadera parte de la comunidad invertida en su futuro. Es un área que me mantiene con los pies en la tierra posteriormente de arrendar tantos apartamentos diferentes en tantos lugares.</p>
<p>Eso es poco que puede esperar de ser propietario de una vivienda. Si eso es lo que quieres, puede que asimismo sea una buena opción para ti.</p>
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<!-- 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>
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