{"id":5624,"date":"2024-08-05T10:16:15","date_gmt":"2024-08-05T15:16:15","guid":{"rendered":"https:\/\/www.northshoretrust.com\/?p=5624"},"modified":"2026-05-27T11:40:52","modified_gmt":"2026-05-27T16:40:52","slug":"lo-que-deberian-haberte-ensenado-en-la-escuela-sobre-la-compra-de-una-vivienda","status":"publish","type":"post","link":"https:\/\/www.northshoretrust.com\/es\/2024\/08\/05\/what-they-should-have-taught-you-in-school-about-buying-a-home\/","title":{"rendered":"Lo que deber\u00edan haberle ense\u00f1ado en la escuela sobre la compra de una vivienda"},"content":{"rendered":"<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-center fusion-flex-justify-content-center fusion-flex-content-wrap\" style=\"max-width:93.6%;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-text fusion-title-size-one\" style=\"--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:20px;--awb-margin-left-small:0px;\"><h1 class=\"fusion-title-heading title-heading-left\" style=\"margin:0;\">Lo que deber\u00edan haberle ense\u00f1ado en la escuela sobre la compra de una vivienda<\/h1><\/div><div class=\"fusion-text fusion-text-1\"><p class=\"fusion-responsive-typography-calculated\" data-fontsize=\"20\" data-lineheight=\"30px\">De adultos, a menudo nos encontramos ante decisiones financieras complejas para las que desear\u00edamos haber estado mejor preparados. Una de las m\u00e1s importantes es la compra de una vivienda. He aqu\u00ed una gu\u00eda cronol\u00f3gica para entender el proceso de compra de una vivienda, desde la preparaci\u00f3n de las finanzas hasta el cierre de la operaci\u00f3n.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:25px;width:100%;\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_2_3 2_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:66.666666666667%;--awb-margin-top-large:0px;--awb-spacing-right-large:2.88%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:2.88%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-2 fusion-sep-none fusion-title-text fusion-title-size-four\" style=\"--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:20px;--awb-margin-left-small:0px;\"><h4 class=\"fusion-title-heading title-heading-left\" style=\"margin:0;\"><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\"><b>Preparar sus finanzas<\/b><\/h3><\/h4><\/div><div class=\"fusion-text fusion-text-2\"><p>Antes incluso de empezar a mirar casas, es fundamental poner las finanzas en orden. Esta fase de preparaci\u00f3n implica varios pasos clave:<\/p>\n<p><b>Empiece a ahorrar pronto<\/b>: Nunca es demasiado pronto para empezar a ahorrar para comprar una casa. Un plan de ahorro s\u00f3lido puede ayudarle a cubrir los pagos iniciales y los gastos de cierre. Aunque no est\u00e9 listo para comprar ahora, crear un h\u00e1bito de ahorro puede prepararle para futuras oportunidades. Un ahorro constante a lo largo del tiempo puede marcar una diferencia significativa cuando est\u00e9 listo para comprar.<\/p>\n<p><b>Conozca su puntuaci\u00f3n de cr\u00e9dito<\/b>: Su puntuaci\u00f3n crediticia es un factor crucial para conseguir un buen tipo de inter\u00e9s hipotecario. Los prestamistas la utilizan para evaluar su solvencia. Gestionar las deudas de forma responsable y pagar puntualmente los cr\u00e9ditos existentes son pr\u00e1cticas esenciales para mantener una puntuaci\u00f3n crediticia alta.<\/p>\n<p><b>Conozca su ratio deuda-ingresos (DTI)<\/b>: Su DTI es el porcentaje de sus ingresos mensuales que se destina a pagar deudas. Un DTI m\u00e1ximo t\u00edpico es 45%. Mantener un DTI bajo puede mejorar tus posibilidades de que te aprueben una hipoteca y de conseguir condiciones favorables.<\/p>\n<p><b>Historial laboral<\/b>: Tener un historial laboral estable es esencial para poder optar a una hipoteca. Los prestamistas necesitan ver unos ingresos constantes para asegurarse de que puede hacer frente a los pagos mensuales. Si su situaci\u00f3n laboral es estable, aumenta su fiabilidad como prestatario.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-3 fusion_builder_column_1_3 1_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:33.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:5.76%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element\" style=\"--awb-aspect-ratio:1 \/ 1;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\"fusion-imageframe imageframe-none imageframe-1 hover-type-none has-aspect-ratio\"><img decoding=\"async\" width=\"1280\" height=\"853\" title=\"Examen minucioso de asuntos financieros: La mano de una persona ocupada en el c\u00e1lculo preciso de facturas con una calculadora\" src=\"https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2024\/08\/Male-CalculatingFinances.jpeg\" data-orig-src=\"https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2024\/08\/Male-CalculatingFinances.jpeg\" class=\"lazyload img-responsive wp-image-5676 img-with-aspect-ratio\" data-parent-fit=\"cover\" data-parent-container=\".fusion-image-element\" alt srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%271280%27%20height%3D%27853%27%20viewBox%3D%270%200%201280%20853%27%3E%3Crect%20width%3D%271280%27%20height%3D%27853%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2024\/08\/Male-CalculatingFinances-200x133.jpeg 200w, https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2024\/08\/Male-CalculatingFinances-400x267.jpeg 400w, https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2024\/08\/Male-CalculatingFinances-600x400.jpeg 600w, https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2024\/08\/Male-CalculatingFinances-800x533.jpeg 800w, https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2024\/08\/Male-CalculatingFinances-1200x800.jpeg 1200w, https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2024\/08\/Male-CalculatingFinances.jpeg 1280w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 1072px) 100vw, (max-width: 640px) 100vw, 600px\" \/><\/span><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-4 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:25px;width:100%;\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-5 fusion_builder_column_1_3 1_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:33.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:5.76%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element\" style=\"--awb-aspect-ratio:1 \/ 1;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\"fusion-imageframe imageframe-none imageframe-2 hover-type-none has-aspect-ratio\"><img decoding=\"async\" width=\"1280\" height=\"853\" title=\"Hombre usando port\u00e1til, escribiendo correo electr\u00f3nico, reuni\u00f3n en l\u00ednea o pago en l\u00ednea\" src=\"https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2024\/08\/YoungMan-OrganizingFinances.jpeg\" data-orig-src=\"https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2024\/08\/YoungMan-OrganizingFinances.jpeg\" class=\"lazyload img-responsive wp-image-5674 img-with-aspect-ratio\" data-parent-fit=\"cover\" data-parent-container=\".fusion-image-element\" alt srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%271280%27%20height%3D%27853%27%20viewBox%3D%270%200%201280%20853%27%3E%3Crect%20width%3D%271280%27%20height%3D%27853%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2024\/08\/YoungMan-OrganizingFinances-200x133.jpeg 200w, https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2024\/08\/YoungMan-OrganizingFinances-400x267.jpeg 400w, https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2024\/08\/YoungMan-OrganizingFinances-600x400.jpeg 600w, https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2024\/08\/YoungMan-OrganizingFinances-800x533.jpeg 800w, https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2024\/08\/YoungMan-OrganizingFinances-1200x800.jpeg 1200w, https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2024\/08\/YoungMan-OrganizingFinances.jpeg 1280w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 1072px) 100vw, (max-width: 640px) 100vw, 600px\" \/><\/span><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-6 fusion_builder_column_2_3 2_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:66.666666666667%;--awb-margin-top-large:0px;--awb-spacing-right-large:2.88%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:2.88%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-3 fusion-sep-none fusion-title-text fusion-title-size-four\" style=\"--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:20px;--awb-margin-left-small:0px;\"><h4 class=\"fusion-title-heading title-heading-left\" style=\"margin:0;\"><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\"><b>Encontrar el prestamista adecuado y obtener la preaprobaci\u00f3n<\/b><\/h3><\/h4><\/div><div class=\"fusion-text fusion-text-3\"><p>Antes de empezar a buscar casa, es importante encontrar un prestamista de confianza y obtener la preaprobaci\u00f3n de una hipoteca. Este paso le ayudar\u00e1 a saber lo que puede permitirse y le convertir\u00e1 en un comprador m\u00e1s atractivo. Los vendedores suelen exigir una carta de preaprobaci\u00f3n para considerar seriamente su oferta. Trabajar con un prestamista experto y honesto puede marcar la diferencia. Un buen prestamista puede guiarle en cada paso, asegur\u00e1ndose de que entiende el proceso y ayud\u00e1ndole a conseguir las mejores condiciones posibles.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-7 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:25px;width:100%;\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-8 fusion_builder_column_2_3 2_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:66.666666666667%;--awb-margin-top-large:0px;--awb-spacing-right-large:2.88%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:2.88%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-4 fusion-sep-none fusion-title-text fusion-title-size-four\" style=\"--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:20px;--awb-margin-left-small:0px;\"><h4 class=\"fusion-title-heading title-heading-left\" style=\"margin:0;\"><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\"><b>Buscar casa y hacer una oferta<\/b><\/h3><\/h4><\/div><div class=\"fusion-text fusion-text-4\"><p>Una vez que sus finanzas est\u00e1n en buena forma y usted tiene su carta de pre-aprobaci\u00f3n, usted puede comenzar la parte emocionante - en busca de su nueva casa.<\/p>\n<p><b>Comprender la equidad<\/b>: Cuando eval\u00fae posibles viviendas, piense en c\u00f3mo acumular\u00e1 capital. El patrimonio neto es la diferencia entre el valor de mercado de la vivienda y el saldo de la hipoteca. La plusval\u00eda se acumula con los pagos de la hipoteca y cuando aumenta el valor de la vivienda. Con el tiempo, este capital puede convertirse en un activo importante que le permita hacer frente a futuras necesidades o inversiones.<\/p>\n<p><b>Hacer una oferta<\/b>: Cuando encuentre la casa adecuada, tendr\u00e1 que hacer una oferta. El dep\u00f3sito en garant\u00eda demuestra al vendedor que va en serio. Aseg\u00farese de que este dep\u00f3sito procede de su propia cuenta bancaria personal o de fondos de regalo aceptables.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-9 fusion_builder_column_1_3 1_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:33.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:5.76%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element\" style=\"--awb-aspect-ratio:1 \/ 1;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\"fusion-imageframe imageframe-none imageframe-3 hover-type-none has-aspect-ratio\"><img decoding=\"async\" width=\"1280\" height=\"853\" title=\"Madre, padre e hija hispanos delante de su nueva casa con el cartel de Se Vende Casa Inmobiliaria.\" src=\"https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2024\/08\/Family-ForSaleHouse.jpeg\" data-orig-src=\"https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2024\/08\/Family-ForSaleHouse.jpeg\" class=\"lazyload img-responsive wp-image-5669 img-with-aspect-ratio\" data-parent-fit=\"cover\" data-parent-container=\".fusion-image-element\" alt srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%271280%27%20height%3D%27853%27%20viewBox%3D%270%200%201280%20853%27%3E%3Crect%20width%3D%271280%27%20height%3D%27853%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2024\/08\/Family-ForSaleHouse-200x133.jpeg 200w, https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2024\/08\/Family-ForSaleHouse-400x267.jpeg 400w, https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2024\/08\/Family-ForSaleHouse-600x400.jpeg 600w, https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2024\/08\/Family-ForSaleHouse-800x533.jpeg 800w, https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2024\/08\/Family-ForSaleHouse-1200x800.jpeg 1200w, https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2024\/08\/Family-ForSaleHouse.jpeg 1280w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 1072px) 100vw, (max-width: 640px) 100vw, 600px\" \/><\/span><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-10 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:25px;width:100%;\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-11 fusion_builder_column_1_3 1_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:33.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:5.76%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element\" style=\"--awb-aspect-ratio:1 \/ 1;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\"fusion-imageframe imageframe-none imageframe-4 hover-type-none has-aspect-ratio\"><img decoding=\"async\" width=\"1280\" height=\"853\" title=\"Feliz emocionado, sonriente pareja joven asi\u00e1tico amor usando tablet pc, gran negocio o el \u00e9xito empresarial, recibido o conseguir dinero en efectivo, devoluci\u00f3n de impuestos, buenas noticias por correo mientras est\u00e1 sentado en el sof\u00e1, sof\u00e1 en casa.\" src=\"https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2024\/08\/YoungCoupleBuyingHouse.jpeg\" data-orig-src=\"https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2024\/08\/YoungCoupleBuyingHouse.jpeg\" class=\"lazyload img-responsive wp-image-5672 img-with-aspect-ratio\" data-parent-fit=\"cover\" data-parent-container=\".fusion-image-element\" alt srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%271280%27%20height%3D%27853%27%20viewBox%3D%270%200%201280%20853%27%3E%3Crect%20width%3D%271280%27%20height%3D%27853%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2024\/08\/YoungCoupleBuyingHouse-200x133.jpeg 200w, https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2024\/08\/YoungCoupleBuyingHouse-400x267.jpeg 400w, https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2024\/08\/YoungCoupleBuyingHouse-600x400.jpeg 600w, https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2024\/08\/YoungCoupleBuyingHouse-800x533.jpeg 800w, https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2024\/08\/YoungCoupleBuyingHouse-1200x800.jpeg 1200w, https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2024\/08\/YoungCoupleBuyingHouse.jpeg 1280w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 1072px) 100vw, (max-width: 640px) 100vw, 600px\" \/><\/span><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-12 fusion_builder_column_2_3 2_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:66.666666666667%;--awb-margin-top-large:0px;--awb-spacing-right-large:2.88%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:2.88%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-5 fusion-sep-none fusion-title-text fusion-title-size-four\" style=\"--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:20px;--awb-margin-left-small:0px;\"><h4 class=\"fusion-title-heading title-heading-left\" style=\"margin:0;\"><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\"><b>Garantizar una hipoteca<\/b><\/h3><\/h4><\/div><div class=\"fusion-text fusion-text-5\"><p>Una vez aceptada la oferta, el siguiente paso es conseguir una hipoteca. Esto implica varios factores importantes:<\/p>\n<p><b>Tipos de inter\u00e9s<\/b>: Un tipo de inter\u00e9s es el coste de pedir dinero prestado, expresado como porcentaje del importe del pr\u00e9stamo. Puede ser fijo, es decir, que permanece invariable durante todo el plazo del pr\u00e9stamo, o variable, que cambia en funci\u00f3n de las condiciones del mercado. Entender las diferencias y c\u00f3mo afecta cada tipo a sus pagos es vital para elegir la hipoteca adecuada.<\/p>\n<p><b>Anticipos<\/b>: Mucha gente cree que se necesita un pago inicial de 20% para comprar una casa, pero esto no es necesariamente cierto. Hay varios programas de pr\u00e9stamos disponibles con requisitos de pago inicial m\u00e1s bajos, lo que hace que ser propietario de una vivienda sea m\u00e1s accesible.<\/p>\n<p><b>Seguro de hogar<\/b>: Las entidades crediticias exigen una prueba de seguro del propietario antes de aprobar una hipoteca. Este seguro protege su inversi\u00f3n y la de ellos en caso de da\u00f1os o p\u00e9rdidas. Es una parte crucial del proceso de compra de una vivienda que protege tu nuevo hogar de imprevistos.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-13 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:25px;width:100%;\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-14 fusion_builder_column_2_3 2_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:66.666666666667%;--awb-margin-top-large:0px;--awb-spacing-right-large:2.88%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:2.88%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-6 fusion-sep-none fusion-title-text fusion-title-size-four\" style=\"--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:20px;--awb-margin-left-small:0px;\"><h4 class=\"fusion-title-heading title-heading-left\" style=\"margin:0;\"><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\"><b>Los \u00faltimos pasos<\/b><\/h3><\/h4><\/div><div class=\"fusion-text fusion-text-6\"><p>Con su hipoteca asegurada, est\u00e1 casi listo para mudarse a su nueva casa. Estos son los \u00faltimos pasos:<\/p>\n<p><b>Prep\u00e1rese para los impuestos sobre la propiedad<\/b>: Ser propietario de una vivienda tambi\u00e9n significa ser responsable de los impuestos sobre la propiedad. Se trata de impuestos anuales basados en el valor de su propiedad y son una parte crucial de su presupuesto general.<\/p>\n<p><b>Cerrar el trato<\/b>: Conseguir la hipoteca es s\u00f3lo la mitad del proceso. Tambi\u00e9n hay que poder cerrarla. Esto implica demostrar que se dispone de fondos en una cuenta bancaria para cubrir los gastos de cierre. Estar preparado con toda la documentaci\u00f3n necesaria puede agilizar este \u00faltimo paso.<\/p>\n<p><b>Tenga en cuenta el calendario<\/b>: Normalmente se tarda entre 30 y 45 d\u00edas en cerrar un pr\u00e9stamo hipotecario. Este periodo incluye varios pasos, como inspecciones, tasaciones y la finalizaci\u00f3n de los detalles del pr\u00e9stamo. La paciencia y la preparaci\u00f3n son fundamentales durante este tiempo.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-15 fusion_builder_column_1_3 1_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:33.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:5.76%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element\" style=\"--awb-aspect-ratio:1 \/ 1;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\"fusion-imageframe imageframe-none imageframe-5 hover-type-none has-aspect-ratio\"><img decoding=\"async\" width=\"1280\" height=\"853\" title=\"Pareja recibiendo las llaves de su nueva casa. Retrato de asesor financiero felicitando a una joven pareja por la compra de una nueva casa. Familia afroamericana compra casa nueva\" src=\"https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2024\/08\/YoungCoupleGettingKeys.jpeg\" data-orig-src=\"https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2024\/08\/YoungCoupleGettingKeys.jpeg\" class=\"lazyload img-responsive wp-image-5673 img-with-aspect-ratio\" data-parent-fit=\"cover\" data-parent-container=\".fusion-image-element\" alt srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%271280%27%20height%3D%27853%27%20viewBox%3D%270%200%201280%20853%27%3E%3Crect%20width%3D%271280%27%20height%3D%27853%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2024\/08\/YoungCoupleGettingKeys-200x133.jpeg 200w, https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2024\/08\/YoungCoupleGettingKeys-400x267.jpeg 400w, https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2024\/08\/YoungCoupleGettingKeys-600x400.jpeg 600w, https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2024\/08\/YoungCoupleGettingKeys-800x533.jpeg 800w, https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2024\/08\/YoungCoupleGettingKeys-1200x800.jpeg 1200w, https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2024\/08\/YoungCoupleGettingKeys.jpeg 1280w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 1072px) 100vw, (max-width: 640px) 100vw, 600px\" \/><\/span><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-16 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:25px;margin-bottom:25px;width:100%;\"><div class=\"fusion-separator-border sep-single\" style=\"--awb-height:20px;--awb-amount:20px;border-color:#e0dede;border-top-width:1px;\"><\/div><\/div><div class=\"fusion-text fusion-text-7\"><p>Navegar por el proceso hipotecario puede resultar complicado, pero con la informaci\u00f3n adecuada y un socio de confianza como North Shore Trust and Savings, podr\u00e1s dar los pasos necesarios para convertirte en propietario con total tranquilidad. \u00a1Que disfrutes aprendiendo y buscando tu casa!<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-17 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:3.84%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div style=\"text-align:center;\"><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-1 fusion-button-default-span fusion-button-default-type\" style=\"--button-border-radius-top-left:0;--button-border-radius-top-right:0;--button-border-radius-bottom-right:0;--button-border-radius-bottom-left:0;\" target=\"_self\" href=\"https:\/\/www.northshoretrust.com\/es\/contacto-ubicacion-horas\/\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">P\u00f3ngase en contacto con nosotros<\/span><\/a><\/div><\/div><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>At North Shore Trust &#038; Savings we specialize in helping homeowners like you make the most of their mortgage options. Here\u2019s why refinancing could be a smart financial move and how our team can assist you.<\/p>","protected":false},"author":1,"featured_media":6799,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[13],"tags":[],"class_list":["post-5624","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-homes-mortgages"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What They Should Have Taught You in School About Buying a Home<\/title>\n<meta name=\"description\" content=\"At North Shore Trust &amp; Savings we specialize in helping homeowners like you make the most of their mortgage options. 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