{"id":5639,"date":"2024-08-07T10:54:44","date_gmt":"2024-08-07T15:54:44","guid":{"rendered":"https:\/\/www.northshoretrust.com\/?p=5639"},"modified":"2026-05-27T11:27:41","modified_gmt":"2026-05-27T16:27:41","slug":"por-que-deberia-considerar-la-refinanciacion-ahora","status":"publish","type":"post","link":"https:\/\/www.northshoretrust.com\/es\/2024\/08\/07\/why-you-should-consider-refinancing-now\/","title":{"rendered":"Por qu\u00e9 deber\u00eda considerar la refinanciaci\u00f3n ahora"},"content":{"rendered":"

\u00bfEst\u00e1 usted entre los 6 millones de propietarios que compraron una vivienda en los \u00faltimos dos a\u00f1os? \u00bfPor qu\u00e9 deber\u00eda considerar la refinanciaci\u00f3n ahora?<\/h1><\/h1><\/div><\/div><\/div>

If you\u2019re one of the 6 million homeowners who bought a home in the last two years, you might be wondering if now is the right time to refinance your mortgage. At North Shore Trust & 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>\n<\/div><\/div><\/div>

An\u00e1lisis hipotecario gratuito<\/strong><\/h3>\n

If you purchased your home in the last two years, now might be the perfect time to refinance and take advantage of lower rates. Contact us today for a free mortgage analysis and see how much you could save.<\/p>\n<\/div>

P\u00f3ngase en contacto con nosotros<\/span><\/a><\/div><\/div><\/div><\/div><\/div>

\u00bfQu\u00e9 significa refinanciar su vivienda?<\/strong><\/h3>\n<\/div>

La refinanciaci\u00f3n consiste en pedir un nuevo pr\u00e9stamo para sustituir la hipoteca actual. Este nuevo pr\u00e9stamo suele ofrecer mejores condiciones, como un tipo de inter\u00e9s m\u00e1s bajo, una duraci\u00f3n diferente del pr\u00e9stamo o un cambio en la estructura de la hipoteca. El proceso incluye pasos similares a los de la obtenci\u00f3n de la hipoteca original, como una tasaci\u00f3n, la comprobaci\u00f3n del cr\u00e9dito y los gastos de cierre. La buena noticia es que la refinanciaci\u00f3n puede agrupar todos los costes relacionados en el pr\u00e9stamo, eliminando la necesidad de gastos iniciales.<\/p>\n<\/div><\/div><\/div><\/div><\/div>

\u00bfPor qu\u00e9 refinanciar?<\/em><\/h2><\/h1><\/div>

Tipos de inter\u00e9s m\u00e1s bajos<\/h3><\/div>

Ahorro en intereses:<\/strong> Una de las principales razones para refinanciar es aprovechar los tipos de inter\u00e9s m\u00e1s bajos. Reducir el tipo de inter\u00e9s puede disminuir significativamente tanto los pagos mensuales como el inter\u00e9s total pagado durante la vida del pr\u00e9stamo. Por ejemplo, reducir el tipo de inter\u00e9s de 6% a 4% en un pr\u00e9stamo de $200.000 puede suponer un ahorro de decenas de miles de d\u00f3lares en 30 a\u00f1os. \u00a0(Investopedia)<\/a>\u200b\u200b (Los informes hipotecarios)<\/a><\/p>\n<\/div><\/div><\/div>

Cuotas mensuales reducidas<\/h3><\/div>

Mejora del flujo de caja:<\/strong> Al obtener un tipo de inter\u00e9s m\u00e1s bajo o ampliar el plazo del pr\u00e9stamo, puede reducir los pagos mensuales de su hipoteca, mejorando as\u00ed su flujo de caja. Esto es especialmente beneficioso para gestionar su presupuesto de forma m\u00e1s eficaz. (Investopedia<\/a>)<\/p>\n<\/div><\/div><\/div>

Acortar el plazo del pr\u00e9stamo<\/p><\/h3><\/div>

Acumulaci\u00f3n de capital m\u00e1s r\u00e1pida:<\/strong> La refinanciaci\u00f3n a un plazo de pr\u00e9stamo m\u00e1s corto, como pasar de una hipoteca a 30 a\u00f1os a otra a 15 a\u00f1os, puede aumentar sus pagos mensuales pero reducir significativamente el inter\u00e9s total pagado. Esto le permite acumular capital m\u00e1s r\u00e1pidamente y liquidar la hipoteca antes. (hsh.com<\/a>)<\/p>\n<\/div><\/div><\/div>

Cambiar de tipo de pr\u00e9stamo<\/p><\/h3><\/div>

Del tipo variable al tipo fijo:<\/strong> Los propietarios de viviendas con hipotecas de tipo de inter\u00e9s variable (ARM) pueden refinanciarlas a tipo fijo para mantener un tipo de inter\u00e9s estable y evitar futuras subidas. Por el contrario, cambiar a una hipoteca de tipo variable puede reducir los pagos mensuales si tiene previsto vender antes de que finalice el periodo de ajuste. (Los informes hipotecarios)<\/a><\/p>\n<\/div><\/div><\/div>

Acceder al capital inmobiliario<\/p><\/h3><\/div>

Refinanciaci\u00f3n en efectivo:<\/strong> Los propietarios de viviendas pueden refinanciarlas para aprovechar el capital de su vivienda para realizar mejoras, pagar deudas con intereses elevados o financiar gastos importantes. Una refinanciaci\u00f3n en efectivo implica una nueva hipoteca mayor que la existente, y la diferencia se paga en efectivo. (Los informes hipotecarios)<\/a><\/p>\n<\/div><\/div><\/div>

Consolidaci\u00f3n de deudas<\/p><\/h3><\/div>

Finanzas simplificadas:<\/strong> La refinanciaci\u00f3n le permite consolidar deudas de alto inter\u00e9s, como tarjetas de cr\u00e9dito o pr\u00e9stamos personales, en su hipoteca, que a menudo tiene un tipo de inter\u00e9s m\u00e1s bajo. Esto simplifica sus finanzas y puede ahorrar dinero en el pago de intereses. (Mi hipoteca perfecta)<\/a><\/p>\n<\/div><\/div><\/div>

Consolidaci\u00f3n de deudas<\/p><\/h3><\/div>

Eliminaci\u00f3n del PMI:<\/strong> Si compr\u00f3 su casa con un pago inicial inferior a 20%, es posible que est\u00e9 pagando un seguro hipotecario privado (PMI). La refinanciaci\u00f3n despu\u00e9s de acumular suficiente capital puede eliminar este coste adicional y reducir sus pagos mensuales. (Los informes hipotecarios)<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>

\u00bfCu\u00e1ndo debe refinanciar?<\/strong><\/h3><\/h1><\/div>

Una regla emp\u00edrica com\u00fan es refinanciar cuando se puede reducir el tipo de inter\u00e9s en al menos 1%. Esto suele suponer un ahorro significativo tanto mensualmente como a lo largo de la vida del pr\u00e9stamo. Por ejemplo, reducir el tipo hipotecario en 1% en un pr\u00e9stamo de $200.000 puede ahorrarle unos $125 al mes o $1.500 al a\u00f1o antes de impuestos (El equilibrio<\/a>) (Mi hipoteca perfecta<\/a>).<\/p>\n

Sin embargo, la refinanciaci\u00f3n puede seguir siendo beneficiosa con una reducci\u00f3n del tipo inferior a 1%, especialmente en determinadas circunstancias. Refinanciar con una reducci\u00f3n de 0,5% puede merecer la pena si el saldo del pr\u00e9stamo es elevado, se est\u00e1 pasando de una hipoteca de tipo variable (ARM) a una de tipo fijo, o se est\u00e1n consolidando deudas de alto inter\u00e9s (Los informes hipotecarios<\/a>) (Mi hipoteca perfecta<\/a>).<\/p>\n

El umbral de rentabilidad, que es el tiempo que tarda el ahorro derivado del tipo de inter\u00e9s m\u00e1s bajo en cubrir los costes de refinanciaci\u00f3n, tambi\u00e9n es crucial. Normalmente, los gastos de cierre oscilan entre 2% y 5% del importe del pr\u00e9stamo. Para una hipoteca de $250.000, los costes de cierre podr\u00edan rondar los $4.500, y tendr\u00edas que permanecer en tu casa el tiempo suficiente para recuperar estos costes mediante el ahorro mensual (hsh.com<\/a>).<\/p>\n

En \u00faltima instancia, aunque la regla de los 1% es un punto de partida \u00fatil, a la hora de decidir si refinanciar deben tenerse en cuenta circunstancias individuales como el importe del pr\u00e9stamo, el tipo de inter\u00e9s actual, los gastos de cierre y el tiempo que se piensa permanecer en la vivienda. El uso de calculadoras hipotecarias en l\u00ednea puede ayudar a determinar el ahorro potencial y el per\u00edodo de equilibrio para su situaci\u00f3n espec\u00edfica (El equilibrio<\/a>) (hsh.com<\/a>).<\/p>\n<\/div>

<\/div><\/div>

Contacte con nosotros hoy mismo para un an\u00e1lisis hipotecario gratuito<\/strong><\/h3><\/h1><\/div>

At North Shore Trust and Savings, we understand that every homeowner\u2019s situation is unique. Our team of experts is here to guide you through the refinancing process, ensuring you make the best decision for your financial future. Contact us today for a free mortgage analysis and see how much you could save.<\/p>\n<\/div>

Take control of your mortgage and your financial future with North Shore Trust and Savings. We\u2019re here to help you every step of the way.<\/strong><\/p>\n<\/div>

P\u00f3ngase en contacto con nosotros<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/p>","protected":false},"excerpt":{"rendered":"

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