{"id":2281,"date":"2020-07-15T15:06:49","date_gmt":"2020-07-15T20:06:49","guid":{"rendered":"https:\/\/www.northshoretrust.com\/?p=2281"},"modified":"2023-11-06T09:17:04","modified_gmt":"2023-11-06T15:17:04","slug":"compra-de-vivienda","status":"publish","type":"post","link":"https:\/\/www.northshoretrust.com\/es\/2020\/07\/15\/homebuying\/","title":{"rendered":"5 CONSEJOS PARA COMPRAR UNA CASA"},"content":{"rendered":"

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5 consejos para comprar una casa<\/h1><\/div>

La compra de una vivienda es la transacci\u00f3n m\u00e1s importante que realiza la mayor\u00eda de la gente. Incluso los compradores de vivienda experimentados s\u00f3lo completar\u00e1n el proceso un pu\u00f1ado de veces a lo largo de sus vidas. Con la experiencia de casi 100.000 cierres de pr\u00e9stamos, North Shore Trust and Savings ofrece los siguientes consejos que todo comprador de vivienda debe conocer.<\/span><\/p>\n

North Shore Trust and Savings ha estado ayudando a nuestra comunidad a realizar el sue\u00f1o de ser propietario de una casa durante casi 100 a\u00f1os. Si usted est\u00e1 buscando para comprar su primera casa, o construir su casa para siempre, nuestros oficiales de pr\u00e9stamos con experiencia est\u00e1n aqu\u00ed para ayudarle en cada paso del camino. <\/span><\/p>\n<\/div>

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\"#1\"<\/span><\/div><\/div><\/div><\/div>
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COMPRUEBE SU PUNTUACI\u00d3N DE CR\u00c9DITO<\/h4>\n<\/div>

Su historial crediticio es un factor importante a la hora de solicitar un pr\u00e9stamo. La mayor\u00eda de los prestamistas se basan en la puntuaci\u00f3n de cr\u00e9dito Fair Isaac Corporation (FICO) a la hora de revisar su solicitud de pr\u00e9stamo. La puntuaci\u00f3n refleja lo bien que gestionas tus deudas y se calcula a partir de tu historial de pagos. Una puntuaci\u00f3n crediticia m\u00e1s baja puede dar lugar a un tipo de inter\u00e9s m\u00e1s alto y al acceso a menos programas de pr\u00e9stamo. Cualquiera de estos factores podr\u00eda impedirle adquirir una vivienda o encarecer el coste de la misma. <\/span><\/p>\n

Es importante revisar su informe crediticio para comprobar su exactitud. Los fraudes de identificaci\u00f3n y los errores en los informes pueden afectar negativamente a su puntuaci\u00f3n crediticia. Si cree que alguno de los datos contenidos en su informe es incorrecto, p\u00f3ngase en contacto con la oficina de cr\u00e9dito y colaborar\u00e1n con usted para aclarar cualquier error. Tenga en cuenta que puede pasar alg\u00fan tiempo hasta que se eliminen los errores y se ajuste su puntuaci\u00f3n. <\/span><\/p>\n

Si revisa su informe y determina que la informaci\u00f3n es correcta, puede tomar una serie de medidas para mejorar su puntuaci\u00f3n crediticia, como pagar sus facturas puntualmente, abrir s\u00f3lo las l\u00edneas de cr\u00e9dito que necesite y mantener los saldos de sus tarjetas de cr\u00e9dito por debajo de la mitad de su cr\u00e9dito disponible. <\/span><\/p>\n

Para saber m\u00e1s y obtener informaci\u00f3n sobre c\u00f3mo mejorar su puntuaci\u00f3n de cr\u00e9dito, visite <\/span>www.myfico.com<\/span><\/a>. <\/span><\/p>\n<\/div><\/div><\/div>

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\"#2\"<\/span><\/div><\/div><\/div><\/div>
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ORGANICE SUS FINANZAS ANTES DE IR AL BANCO<\/h4>\n<\/div>

Para obtener un pr\u00e9stamo se requiere documentaci\u00f3n que incluya, entre otras cosas, talones de pago, declaraciones de impuestos y estados financieros con menos de 60 d\u00edas de antig\u00fcedad. Proporcione copias de los pagos mensuales adicionales, como pr\u00e9stamos para autom\u00f3viles, tarjetas de cr\u00e9dito y pr\u00e9stamos estudiantiles. Tambi\u00e9n debe traer cualquier informaci\u00f3n adicional que considere que ayudar\u00e1 a su Agente de Pr\u00e9stamos a evaluar positivamente su situaci\u00f3n financiera. El papeleo no s\u00f3lo ayuda al Agente de Pr\u00e9stamos a generar una Pre-Aprobaci\u00f3n, sino que tambi\u00e9n les ayudar\u00e1 a determinar el mejor programa de pr\u00e9stamo para su situaci\u00f3n particular. \u00a0\u00a0<\/span><\/p>\n<\/div><\/div><\/div>

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\"#3\"<\/span><\/div><\/div><\/div><\/div>
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CALCULA UN PAGO QUE SE AJUSTE A TU PRESUPUESTO<\/h4>\n<\/div>

Ahora que has organizado tus finanzas, puedes utilizar la informaci\u00f3n para elaborar un presupuesto. Empieza por enumerar todos tus ingresos y gastos mensuales actuales. Esto incluir\u00eda los pagos del coche, las tarjetas de cr\u00e9dito y los pr\u00e9stamos estudiantiles. A continuaci\u00f3n, ten en cuenta los gastos adicionales que conlleva una nueva vivienda, como los impuestos sobre la propiedad, el seguro, las cuotas de la asociaci\u00f3n y el mantenimiento de la vivienda. A partir de ah\u00ed, puede calcular un pago mensual de vivienda que se ajuste a su presupuesto, teniendo en cuenta que seguir\u00e1 necesitando dinero cada mes para el tel\u00e9fono, la comida y el ocio. Si no est\u00e1 seguro de por d\u00f3nde empezar, su agente de pr\u00e9stamos de North Shore Trust estar\u00e1 encantado de guiarle a lo largo del proceso.<\/span><\/p>\n<\/div><\/div><\/div>

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\"#4\"<\/span><\/div><\/div><\/div><\/div>
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DETERMINE SU PAGO INICIAL<\/h4>\n<\/div>

Puede que no haga falta decirlo, pero cuanto m\u00e1s dinero ponga de entrada en la compra de una casa, menor ser\u00e1 su hipoteca y el pago mensual resultante. La cuant\u00eda del pago inicial tambi\u00e9n puede influir en factores como el tipo de inter\u00e9s y los costes del seguro hipotecario. Su Agente de Pr\u00e9stamos trabajar\u00e1 para ofrecerle una gama de programas de pr\u00e9stamos disponibles que se ajusten a sus necesidades.<\/span><\/p>\n<\/div><\/div><\/div>

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\"#5\"<\/span><\/div><\/div><\/div><\/div>
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TENGA EN CUENTA LOS GASTOS DE CIERRE<\/h4>\n<\/div>

Una vez que haya encontrado una casa que se ajuste a su presupuesto y acordado un precio de compra, habr\u00e1 costes asociados al cierre de la venta. Estos costes pueden variar y depender\u00e1n del precio de compra y de si interviene en la operaci\u00f3n un abogado inmobiliario o una empresa de t\u00edtulos de propiedad\/fideicomiso. Por ley, los prestamistas est\u00e1n obligados a darle un presupuesto por escrito de los costes de cierre en un plazo de tres d\u00edas a partir de la aceptaci\u00f3n de su solicitud de pr\u00e9stamo.<\/span><\/p>\n<\/div><\/div><\/div>

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