(StatePoint) Calificar para una hipoteca puede ser intimidante. Al aprender qué evalúan los prestamistas al decidir si otorgan un préstamo, puedes tomar medidas concretas desde ahora para convertirte en propietario de una casa.
Si bien el historial de crédito es una métrica esencial, no es la única en juego. En realidad, hay cuatro puntos esenciales que los prestamistas consideran: capacidad, capital, garantía y crédito. Esto es lo que debes saber sobre cada uno de ellos:
kA DEJ=6lQE6IE\2=:8?i46?E6CQmkDEC@?8mr2A24:525 A2C2 A282C 6= ACéDE2>@k^DEC@?8mk^Am
kAm{@D AC6DE2>:DE2D BF:6C6? 2D68FC2CD6 BF6 E6?82D =@D >65:@D A2C2 A282C F?2 9:A@E642 D:? 5:7:4F=E25] !2C2 6D@[ G6? EFD :?8C6D@D[ EF 9:DE@C:2= 56 6>A=6@[ EFD 29@CC@D[ EFD A28@D >6?DF2=6D 56 56F52D J @EC2D @3=:824:@?6D 7:?2?4:6C2D]k^Am
kAm&?2 56 =2D 7@C>2D 6? BF6 =@D AC6DE2>:DE2D G6C:7:42? EFD :?8C6D@D 6D C6G:D2?5@ G2C:@D 2ñ@D 56 EFD 564=2C24:@?6D 56 :>AF6DE@D 7656C2=6D J =@D (\a[ ;F?E@ 4@? C64:3@D 24EF2=6D 56 A28@D 56 DF6=5@] tG2=ú2? EFD :?8C6D@D 6? 32D6 2ik^Am
kAm• {2 7F6?E6 J 6= E:A@ 56 :?8C6D@ WA] 6;][ 2D2=2C:25@D[ A@C 4@>:D:ó? @ EC232;25@C :?56A6?5:6?E6Xk^Am
kAm• sFC2?E6 4Fá?E@ E:6>A@ 92K 6DE25@ C64:3:6?5@ =@D :?8C6D@D J D: 92? D:5@ 6DE23=6Dk^Am
kAm• rFá?E@ E:6>A@ D6 6DA6C2 BF6 6D@D :?8C6D@D 4@?E:?ú6? 6? 6= 7FEFC@k^Am
kAm!2C2 4@?EC2CC6DE2C 6DE@[ =@D AC6DE2>:DE2D E2>3:é? C6G:D2? EFD 56F52D @ A2D:G@D >6?DF2=6D C64FCC6?E6D[ 4@>@ A28@D 56 2FE@>óG:=6D[ ACéDE2>@D A2C2 6DEF5:2?E6D[ A28@D 56 E2C;6E2D 56 4Cé5:E@[ ACéDE2>@D A6CD@?2=6D[ >2?FE6?4:ó? A2C2 9:;@D J A6?D:ó? 2=:>6?E:4:2]k^Am
kA DEJ=6lQE6IE\2=:8?i46?E6CQmkDEC@?8mr2A:E2=k^DEC@?8mk^Am
kAm&?2 C6G:D:ó? 56 EF 42A:E2= 86?6C2= 6D FE:=:K252 A2C2 56E6C>:?2C EF 42A24:525 56 C62=:K2C A28@D 9:A@E642C:@D] %6?6C C6D6CG2D 6? 6764E:G@ 56>F6DEC2 BF6 AF656D 25>:?:DEC2C EFD 7:?2?K2D J BF6 E:6?6D 7@?5@D[ 256>áD 56 EFD :?8C6D@D[ BF6 AF656D 244656C 4@? 32DE2?E6 C2A:56K]k^Am
kAm{2D C6D6CG2D 56 6764E:G@ AF656? :?4=F:C 29@CC@D[ 7@?5@D 56= >6C425@ >@?6E2C:@ J @EC2D :?G6CD:@?6D BF6 AF656? 4@?G6CE:CD6 6? 6764E:G@[ 4@>@ 4F6?E2D A2C2 =2 ;F3:=24:ó? :?5:G:5F2=6D[ 46CE:7:425@D 56 56AóD:E@[ 244:@?6D[ 3@?@D @ 4F6?E2D c_`W<X] yF?E@ 4@? =2D C6D6CG2D 6? 6764E:G@[ @EC2D 7F6?E6D 56 42A:E2= 246AE23=6D AF656? :?4=F:C 5@?24:@?6D 72>:=:2C6D[ AC@8C2>2D 56 k2 9C67lQ9EEADi^^>J9@>6]7C655:6>24]4@>^3FJ:?8^5@H?\A2J>6?E\2DD:DE2?46\AC@8C2>DQ C6=lQ?@7@==@HQm2D:DE6?4:2 A2C2 6= A28@ :?:4:2= @ =@D 4@DE@D 56 4:6CC6k^2m[ k2 9C67lQ9EEADi^^>J9@>6]7C655:6>24]4@>^3=@8^9@>63FJ:?8^9@H\5@H?\A2J>6?E\2DD:DE2?46\AC@8C2>D\42?\96=A\J@F\J@FC\7:CDE\9@>6Q C6=lQ?@7@==@HQmDF3G6?4:@?6Dk^2m J “DH62E 6BF:EJ]”k^Am
kAm{@D AC6DE2>:DE2D E2>3:é? AF656? 6I2>:?2C =@D ú=E:>@D 5@D >6D6D 56 6DE25@D 56 EFD 4F6?E2D 56 496BF6D J 56 29@CC@D[ 4F6?E2D 56= >6C425@ >@?6E2C:@ @ 4F6?E2D 56 :?G6CD:@?6D A2C2 6G2=F2C 4Fá?E@ 42A:E2= E:6?6D]k^Am
kA DEJ=6lQE6IE\2=:8?i46?E6CQmkDEC@?8mv2C2?Eí2k^DEC@?8mk^Am
kAm{@D AC6DE2>:DE2D 4@?D:56C2? 6= G2=@C 56 =2 AC@A:6525 BF6 6DEáD 9:A@E642?5@ 4@>@ 82C2?Eí2 4@?EC2 6= ACéDE2>@] t? 6= 42D@ 56 F?2 9:A@E642 :>@3:=:2C:2[ =2 82C2?Eí2 6D =2 G:G:6?52 BF6 6DEá 4@>AC2?5@] $: ?@ A282D EF 9:A@E642[ =2 4@>A2ñí2 9:A@E642C:2 A@5Cí2 E@>2C A@D6D:ó? 56 EF G:G:6?52] tDE@ D6 4@?@46 4@>@ 6;64F4:ó? 9:A@E642C:2] !2C2 56E6C>:?2C 6= G2=@C ;FDE@ 56 >6C425@ 56 =2 G:G:6?52 BF6 56D62D 4@>AC2C[ EF AC6DE2>:DE2 D@=:4:E2Cá F?2 k2 9C67lQ9EEADi^^>J9@>6]7C655:6>24]4@>^3FJ:?8^:?DA64E:?8\2?5\2AAC2:D:?8\J@FC\9@>6Q C6=lQ?@7@==@HQmE2D24:ó? 56 =2 AC@A:6525k^2m BF6 4@>A2C2Cá DF G2=@C 4@? G:G:6?52D D:>:=2C6D 6? 6= G64:?52C:@]k^Am
kA DEJ=6lQE6IE\2=:8?i46?E6CQmkDEC@?8mrCé5:E@k^DEC@?8mk^Am
kAm{@D AC6DE2>:DE2D G6C:7:42? EF k2 9C67lQ9EEADi^^>J9@>6]7C655:6>24]4@>^3=@8^7:?2?4:2=\65F42E:@?^H9J\4C65:E\>2EE6CDQ C6=lQ?@7@==@HQmAF?EF24:ó? 56 4Cé5:E@ 6 9:DE@C:2=k^2m A2C2 6G2=F2C EF Cé4@C5 56 k2 9C67lQ9EEADi^^>J9@>6]7C655:6>24]4@>^3=@8^7:?2?4:2=\65F42E:@?^:>AC@G6\J@FC\7:?2?4:2=\962=E9\>2?28:?8\563ED\2?5\6IA6?D6DQ C6=lQ?@7@==@HQmA28@ 56 724EFC2D J @EC2D 56F52Dk^2m 2 E:6>A@] tDE@ 2JF52 2 =@D AC6DE2>:DE2D 2 >65:C EF 6DE23:=:525 7:?2?4:6C2 J[ A@C =@ E2?E@[ 6= C:6D8@ 56 :?4F>A=:>:6?E@ 6? EF ACéDE2>@] p56>áD[ EF AF?EF24:ó? 56 4Cé5:E@ A@5Cí2 5:4E2C EF k2 9C67lQ9EEADi^^>J9@>6]7C655:6>24]4@>^3=@8^9@>6@H?6CD9:A^a_`h_ga_\>@CE8286\C2E6DQ C6=lQ?@7@==@HQmE2D2 56 :?E6CéDk^2m J 4Fá?E@ k2 9C67lQ9EEADi^^>J9@>6]7C655:6>24]4@>^3FJ:?8^5@H?\A2J>6?ED\2?5\A>:Q C6=lQ?@7@==@HQmA28@ :?:4:2=k^2m D6Cá C6BF6C:5@]k^Am
kAm{2D 96CC2>:6?E2D 56 uC655:6 |24 AF656? 2JF52CE6 2 6G2=F2C D: 6DE2D =:DE@ A2C2 4@>AC2C F?2 G:G:6?52 J 56D4F3C:C 4F2= 6D 6= >@?E@ 56= ACéDE2>@ BF6 A@5Cí2D A65:C] ':D:E2 k2 9C67lQ9EEADi^^>J9@>6]7C655:6>24]4@>^C6D@FC46D^42=4F=2E@CD^9@H\>F49\42?\J@F\3@CC@HQ C6=lQ?@7@==@HQm>J9@>6]7C655:6>24]4@>k^2m A2C2 244656C 2 F?2 42=4F=25@C2 56= >@?E@ 56 =2 9:A@E642 J @EC@D C64FCD@D 56 AC6A2C24:ó? A2C2 4@>AC25@C6D 56 G:G:6?52]k^Am
kAm%6?6C F? >6;@C 6?E6?5:>:6?E@ 56 4ó>@ =@D AC6DE2>:DE2D 6G2=ú2? 2 =@D A@D:3=6D D@=:4:E2?E6D 56 ACéDE2>@D E6 52Cá =2 @A@CEF?:525 56 AC6A2C2CE6 7:?2?4:6C2>6?E6 A2C2 @3E6?6C F? ACéDE2>@] %2>3:é? AF656 2JF52CE6 2 ?2G682C 6= AC@46D@ 4@? 4@?7:2?K2]k^Am
kA DEJ=6lQE6IE\2=:8?i46?E6CQmYYYYYk^Am
kAm!9@E@ rC65:Ei W4X #:5@7C2?K ^ :$E@4< G:2 v6EEJ x>286D !=FDk^Am
(0) comments
Welcome to the discussion.
Log In
Keep it Clean. Please avoid obscene, vulgar, lewd, racist or sexually-oriented language.
PLEASE TURN OFF YOUR CAPS LOCK.
Don't Threaten. Threats of harming another person will not be tolerated.
Be Truthful. Don't knowingly lie about anyone or anything.
Be Nice. No racism, sexism or any sort of -ism that is degrading to another person.
Be Proactive. Use the 'Report' link on each comment to let us know of abusive posts.
Share with Us. We'd love to hear eyewitness accounts, the history behind an article.