(BPT) - Ahora más que nunca, los compradores de vivienda por primera vez están al tanto de las tasas de interés y cómo estas impactan la compra de una casa. Por eso, muchos expertos recomiendan enfocarse en comprar una casa que realmente les guste y que puedan pagar, manteniendo en cuenta la opción de refinanciar si hay una mejor tasa en el futuro.
Más allá de las tasas hipotecarias, los compradores también tienen que sopesar los precios de las casas, las primas de los seguros, los impuestos a la propiedad e incluso su propia preparación financiera para asumir la propiedad de una casa. Sin embargo, no todos pueden esperar hasta que se dé el escenario perfecto para comprar una casa.
kAmQ*2 D62 A@C F? ?F6G@ EC232;@[ F? 42>3:@ :>A@CE2?E6 6? DFD G:52D @ =2 3úDBF652 56 F? ?F6G@ 5:DEC:E@ 6D4@=2C[ G6>@D BF6 =2 86?E6 ?646D:E2 >F52CD6 A@C E@5@ E:A@ 56 C2K@?6DQ[ 5:;@ p?2 |F?@K[ 2D6D@C2 Dé?:@C A2C2 ACéDE2>@D 56 9:A@E642 56 k2 9C67lQ9EEAi^^HHH]492D6]4@>^A6CD@?2=^>@CE8286^277@C523=6=6?5:?8n$@FC46r@56lrp!#_`Q E2C86ElQ03=2?<Q C6=lQ?@7@==@HQmr92D6 w@>6 {6?5:?8k^2m] Qt? =F82C 56 6?7@42CD6 6? =2D E2D2D[ AF656 D6C úE:= A2C2 =@D AC6DE2E2C:@D 6?7@42CD6 6? =@ BF6 AF656? 4@?EC@=2C[ BF6 6D DF AC6A2C24:ó? 7:?2?4:6C2] $: D6 D:6?E6? =:DE@D A2C2 2DF>:C =@D 4@DE@D 56 D6C AC@A:6E2C:@ 56 F?2 42D2[ 6D :>A@CE2?E6 BF6 D6 C6ú?2? 4@? F? AC@76D:@?2= 56 9:A@E642D A2C2 6?E6?56C DFD @A4:@?6DQ]k^Am
k5:G DEJ=6lQ>2I\H:5E9i e__AIj H:5E9i e__AIjQmk:>8 DC4lQ9EEADi^^HHH]3C2?5A@:?E4@?E6?E]4@>^:>286D^`bfb262d\g6db\c44g\34e2\_5eca`3g4c35];A8Q 2=ElQ!2C6;2 923=2?5@ 4@? 6= 286?E6 6? DF @7:4:?2Q H:5E9lQe__Q 3@C56ClQ_Q ^mk^5:Gm
k5:G 4=2DDlQ{:DE:4=6r2AE:@?Q DEJ=6lQ7@?E\D:K6i ``AIjQmk^5:Gm
kAm*2 D62 BF6 6DEéD 52?5@ =@D AC:>6C@D A2D@D 6? EF 42>:?@ 924:2 =2 4@>AC2 56 F?2 42D2 @ 6DEéD =:DE@ A2C2 9246C=@ C62=:525 6DE6 G6C2?@[ =@D 6IA6CE@D 56 r92D6 w@>6 {6?5:?8 4@>A2CE6? 6DE@D 4@?D6;@D 4=2G6 A2C2 AC6A2C2CE6ik^Am
kAmkDEC@?8mtIA=@C2 =@D C64FCD@D 65F42E:G@Dik^DEC@?8m "F:6?6D 6DEé? A6?D2?5@ 6? 4@>AC2C F?2 42D2[ 6DA64:2=>6?E6 D: 6D DF AC:>6C2 G6K[ AF656? 4@>6?K2C A@C 65F42CD6 D@3C6 6= AC@46D@] tD ?@C>2= D6?E:CD6 23CF>25@ A@C =@ 56D4@?@4:5@] {2 3F6?2 ?@E:4:2 6D BF6 6I:DE6? >F49@D C64FCD@D 5:D6ñ25@D A2C2 2JF52CE6 2 2AC6?56C[ 4@>@ D6>:?2C:@D H63[ A@542DED J 2CEí4F=@D 4@>@ 6= k2 9C67lQ9EEADi^^HHH]492D6]4@>^6D^A6CD@?2=^>@CE8286^368:??6C\E@\3FJ6Cn$@FC46r@56lrp!#_`Q E2C86ElQ03=2?<Q C6=lQ?@7@==@HQmk6>m!@542DE A2C2 AC:>6C@D 4@>AC25@C6D 56 42D2k^6>mk^2m 56 r92D6]k^Am
kAmkDEC@?8ms6E6C>:?2 4Fá?5@ 6D 6= >@>6?E@ 2564F25@ik^DEC@?8m %ó>2E6 6= E:6>A@ A2C2 6?E6?56C EFD ?646D:5256D J 56D6@D 6? F?2 42D2[ J BFé D6 2;FDE2 >6;@C 2 EF 6DE:=@ 56 G:52 J AC6DFAF6DE@] r@?D:56C2 =@D 4@DE@D 25:4:@?2=6D 4@>@ =@D :>AF6DE@D 2 =2 AC@A:6525[ >2?E6?:>:6?E@[ J @EC@D 4@DE@D] p= >:D>@ E:6>A@[ E6? 6? 4F6?E2 =@D 36?67:4:@D[ 4@>@ =2 4C624:ó? 56= G2=@C =íBF:5@ 56 =2 42D2[ A2C2 56E6C>:?2C D: 6D 6= >@>6?E@ 2564F25@ A2C2 4@>AC2C F?2 AC@A:6525]k^Am
kAmkDEC@?8mt?E:6?56 =@D 4@DE@D :?:4:2=6D 56 D6C AC@A:6E2C:@ik^DEC@?8m {2 2D6BF:3:=:525 D:8F6 D:6?5@ F?2 AC:@C:525 A2C2 BF:6?6D 3FD42? 4@>AC2C F?2 42D2[ 6DA64:2=>6?E6 =@D 4@>AC25@C6D A@C AC:>6C2 G6K] r@DE@D 4@>@ 6= A28@ :?:4:2=[ =@D 4@DE@D 56 4:6CC6 J @EC2D E2C:72D[ AF656? E@>2C A@C D@CAC6D2 2 2=8F?@D 4@>AC25@C6D] w6CC2>:6?E2D 6? =í?62[ 4@>@ F?2 k2 9C67lQ9EEADi^^HHH]492D6]4@>^A6CD@?2=^>@CE8286^42=4F=2E@CD\C6D@FC46D^277@C523:=:EJ\42=4F=2E@Cn$@FC46r@56lrp!#_`Q E2C86ElQ03=2?<Q C6=lQ?@7@==@HQmr2=4F=25@C2 56 2D6BF:3:=:525k^2m[ AF656? 2JF52CE6 2 56E6C>:?2C 4Fá?E@ AF656D A282C] k6>mW}@E2i 6= 6?=246 2?E6C:@C 5:C:86 2 F? D:E:@ H63 6? :?8=éDXk^6>mk^Am
kAm!2C2 D6?E:CD6 >6;@C AC6A2C25@[ =@D AC6DE2E2C:@D AF656? 6IA=@C2C AC@8C2>2D 56 2D:DE6?4:2 A2C2 4@>AC25@C6D J DF3G6?4:@?6D 5:DA@?:3=6D] &?2 8C2? 96CC2>:6?E2 A2C2 4@>6?K2C[ 56D56 EF E6=é7@?@ >óG:= @ 4@>AFE25@C2[ 6D 6= k2 9C67lQ9EEADi^^9@>6=6?5:?825G:D@C]492D6]4@>^6D^9@>63FJ6Cn$@FC46r@56lrp!#_`Q E2C86ElQ03=2?<Q C6=lQ?@7@==@HQmqFD425@C 56 2D:DE6?4:2 A2C2 4@>AC25@C6D 56 42D2k^2m 56 r92D6[ BF6 2JF52 2 =@D AC6DE2E2C:@D 2 3FD42C AC@8C2>2D 56 2D:DE6?4:2 A2C2 =@D BF6 BF:KáD AF652? D6C 6=68:3=6D]k^Am
k5:G DEJ=6lQ>2I\H:5E9i e__AIj H:5E9i e__AIjQmk:>8 DC4lQ9EEADi^^HHH]3C2?5A@:?E4@?E6?E]4@>^:>286D^_4bd4c_f\_aa6\c73f\27_2\2bdfffb3d6g2];A8Q 2=ElQ!2C6;2 3FD42 42D2D @?=:?6 56D56 DF D2=2 56 6DE2CQ H:5E9lQe__Q 3@C56ClQ_Q ^mk^5:Gm
k5:G 4=2DDlQ{:DE:4=6r2AE:@?Q DEJ=6lQ7@?E\D:K6i ``AIjQmk^5:Gm
kAmkDEC@?8m%C232;2 4@? AC@76D:@?2=6D 56 4@?7:2?K2ik^DEC@?8m p?E6D 56 4@>6?K2C EF 3úDBF652 56 42D2[ 4@?DF=E2 4@? F? AC@76D:@?2= A2C2 ACéDE2>@D 56 9:A@E642] t==@D AF656? 2JF52CE6 2 @3E6?6C F?2 2AC@324:ó? AC6G:2[ ?2G682C 6= >6C425@ =@42= J C6G:D2C =2D @A4:@?6D 56 ACéDE2>@D] %2>3:é? AF656 G2=6C =2 A6?2 4@?DF=E2C 4@? EF 32?4@[ J2 BF6 >F49@D @7C646? E2D2D 4@? 56D4F6?E@ 2 AC6DE2E2C:@D 6=68:3=6D[ 2Dí BF6 6DE2E6 2E6?E@ 2 =2D @A4:@?6D 56 AC64:@D AC676C6?4:2=6D 56 EF 32?4@]k^Am
kAmkDEC@?8mu:;2 EF E2D2ik^DEC@?8m {2D E2D2D 56 :?E6CéD AF656? DF3:C J 32;2C CáA:52>6?E6] !@56C 7:;2C F?2 E2D2 56 :?E6CéD 4@? F? AC6DE2>:DE2 AF656 52CE6 =2 D68FC:525 D@3C6 4Fá?E@ A282CáD 6? :?E6C6D6D A@C EF ACéDE2>@ 9:A@E642C:@] !@C 6;6>A=@[ r92D6 @7C646 DF w@>63FJ6C p5G2?E286 4@? k2 9C67lQ9EEADi^^HHH]492D6]4@>^A6CD@?2=^>@CE8286^9@>63FJ6C25G2?E286n$@FC46r@56lrp!#_`Q E2C86ElQ03=2?<Q C6=lQ?@7@==@HQm{@4< 2?5 $9@Ak^2m[ BF6 E6 A6C>:E6 4@>AC2C 4@? 4@?7:2?K2 A@CBF6 J2 92D 7:;25@ EF E2D2 56 :?E6CéD] k6>mW}@E2i 6= 6?=246 2?E6C:@C 5:C:86 2 F? D:E:@ H63 6? :?8=éDXk^6>mk^Am
kAmkDEC@?8mq@?@i r@?46AE@D 6CCó?6@D 4@>F?6D D@3C6 =2 AC@A:6525 56 F?2 42D2k^DEC@?8mk^Am
kAmw2J 2=8F?@D 4@?46AE@D 6CCó?6@D D@3C6 =2 4@>AC2 56 F?2 42D2 BF6 AF656? 6DE2C >2?E6?:6?5@ 2 2=8F?@D A@D:3=6D 4@>AC25@C6D 2= >2C86?] pBFí[ 56E2==2>@D =@D >:E@D J C62=:5256D D@3C6 =2 4@>AC2 56 F?2 42D2ik^Am
kF= EJA6lQ5:D4Qmk=:mkDEC@?8m|:E@ `i %:6?6D BF6 9246C F? A28@ :?:4:2= 56= a_T]k^DEC@?8mk3C ^mkDEC@?8m#62=:525ik^DEC@?8m p=8F?@D E:A@D 56 ACéDE2>@D @7C646? @A4:@?6D 56 A28@ :?:4:2= 32;@[ 4@>@ =@D ACéDE2>@D k2 9C67lQ9EEADi^^E96>@CE8286C6A@CED]4@>^`f`eg^792\4@?G6?E:@?2=\hf\=@H\5@H?A2J>6?E\4@>A2C:D@?Q E2C86ElQ03=2?<Q C6=lQ?@7@==@HQmuwpk^2m J k2 9C67lQ9EEADi^^HHH]36?67:ED]G2]8@G^9@>6=@2?D^Q E2C86ElQ03=2?<Q C6=lQ?@7@==@HQm'pk^2m] |:C2 =2 k2 9C67lQ9EEADi^^HHH]492D6]4@>^6D^A6CD@?2=^>@CE8286^277@C523=6=6?5:?8n$@FC46r@56lrp!#_`Q E2C86ElQ03=2?<Q C6=lQ?@7@==@HQm9:A@E642 sC62|2<6C 56 r92D6k^2m[ BF6 A@5Cí2 A6C>:E:C 2 =@D 4@>AC25@C6D A282C E2? D@=@ F? bT] k6>mW}@E2i =@D 6?=246D 2?E6C:@C6D 5:C:86? 2 D:E:@D H63 6? :?8=éDX]k^6>mk^=:mk=:mkDEC@?8m|:E@ ai %@5@D =@D AC6DE2>:DE2D @7C646? =2D >:D>2D E2D2D 56 :?E6CéD 2=E2D]k^DEC@?8mkDEC@?8mk3C ^m#62=:525ik^DEC@?8m {2D E2D2D 56 :?E6CéD AF656? G2C:2C D68ú? 6= E:A@ 56 ACéDE2>@ J 6= AC6DE2>:DE2] r@?DF=E2 4@? G2C:@D AC6DE2>:DE2D[ 4@?D:56C2 E@5@D =@D 4@DE@D :?:4:2=6D 56 @3E6?6C F?2 9:A@E642 J 7:;2 EF E2D2 A2C2 E6?6C >2J@C 4@?7:2?K2 5FC2?E6 6= AC@46D@ 56 4@>AC2 56 F?2 42D2]k^=:mk=:mkDEC@?8m|:E@ bi }@ D@J 6=68:3=6 A2C2 ?:?8ú? AC@8C2>2 56 2D:DE6?4:2]k^DEC@?8mk3C ^mkDEC@?8m#62=:525ik^DEC@?8m tI:DE6? AC@8C2>2D 56 2D:DE6?4:2 2 ?:G6= =@42=[ 6DE2E2= J ?24:@?2= A2C2 2A@J2C 2 =@D 4@>AC25@C6D 6? DF 42>:?@ 924:2 =2 AC@A:6525 56 F?2 42D2]k^=:mk=:mkDEC@?8m|:E@ ci {@D 32?4@D ?@ 4:6CC2? =2 4@>AC2 2 E:6>A@]k^DEC@?8mk3C ^mkDEC@?8m#62=:525ik^DEC@?8m $: 6DEáD 4@>AC2?5@ F?2 42D2 ?F6G2 @ F?2 AC@A:6525 4@>@ :?G6CD:ó?[ A@5Cí2D D6C 6=68:3=6 A2C2 =2 k2 9C67lQ9EEADi^^HHH]492D6]4@>^6D^A6CD@?2=^>@CE8286^277@C523=6=6?5:?8n$@FC46r@56lrp!#_`Q E2C86ElQ0D6=7Q C6=lQ?@7@==@HQmv2C2?Eí2 56 4:6CC6 56 r92D6k^2m] r92D6 AC@>6E6 F? 4:6CC6 2 E:6>A@ A2C2 AC@5F4E@D 6=68:3=6D 6? E2? D@=@ EC6D D6>2?2D F @3E:6?6D Sd[___[ D: 42=:7:42D] p56>áD[ =@D AC@A:6E2C:@D 56 42D2D A@5Cí2? 29@CC2C >áD J 244656C 2 56D4F6?E@D 2= FE:=:K2C F? 32?4@ 4@>@ r92D6 6? =F82C 56 F?2 :?DE:EF4:ó? 7:?2?4:6C2 ?@ 32?42C:2]k^=:mk^F=m
kAm¿{:DE@ A2C2 4@>6?K2C 2 A=2?:7:42C =2 42D2 56 DFD DF6ñ@Dn ':D:E2 k2 9C67lQ9EEADi^^9@>6=6?5:?825G:D@C]492D6]4@>^6D^9@>63FJ6Cn$@FC46r@56lrp!#_`Q E2C86ElQ03=2?<Q C6=lQ?@7@==@HQmr92D6]4@>^42D2k^2m]k^Am
kAmk6>m!2C2 7:?6D :?7@C>2E:G@D J 65F42E:G@D D@=2>6?E6i {2D @A:?:@?6D J 6DEC2E68:2D 56D4C:E2D 6? 6DE6 2CEí4F=@ @ AC@A@C4:@?252D 2 EC2GéD 56 6?=246D AF656? ?@ D6C 2AC@A:252D A2C2 E@5@D J ?@ AC6E6?56? D6C C64@>6?524:@?6D 6DA64í7:42D A2C2 ?:?8ú? E:A@ 56 42D@] {2 :?7@C>24:ó? D6 92 @3E6?:5@ 56 7F6?E6D BF6 D6 4@?D:56C2? 4@?7:23=6D[ A6C@ y!|@C82? r92D6 U2>Aj r@] @ DFD 27:=:252D J^@ DF3D:5:2C:2D ?@ 82C2?E:K2? DF :?E68C:525 ?: AC64:D:ó?] tDE6 >2E6C:2= ?@ AC6E6?56 @7C646C 2D6D@C2>:6?E@ =682=[ 7:D42= @ 7:?2?4:6C@ ?: E2>A@4@ AC6E6?56 :?5:42C =2 5:DA@?:3:=:525 @ :5@?6:525 56 2=8ú? AC@5F4E@ @ D6CG:4:@ 56 y!|@C82? r92D6 q2?<[ }]p] &DE65 5636Cí2 4@?D:56C2C 4F:525@D2>6?E6 DFD ?646D:5256D J @3;6E:G@D 2?E6D 56 E@>2C 4F2=BF:6C 564:D:ó? J 4@?DF=E2C 4@? 6= W=@DX AC@76D:@?2=W6DX 2564F25@WDX] {@D AC@?óDE:4@D J 6= C6?5:>:6?E@ A2D25@ ?@ D@? 82C2?Eí2 56 C6DF=E25@D 7FEFC@D] y!|@C82? r92D6 U2>Aj r@] J DFD 27:=:252D ?@ D@? C6DA@?D23=6D 56[ J ?@ AC@A@C4:@?2? ?: 2G2=2? AC@5F4E@D[ D6CG:4:@D F @EC@ 4@?E6?:5@ 56 E6C46C@D]k^6>mk^Am
kAmk6>m!C@5F4E@D 56 ACéDE2>@D A2C2 G:G:6?52 AC@A@C4:@?25@D A@C y!|@C82? r92D6 q2?<[ }]p] |:6>3C@ usxr] !C6DE2>:DE2 BF6 @7C646 :8F2=525 56 @A@CEF?:5256D]k^6>mk^Am
kAmk6>m© a_ad y!|@C82? r92D6 U2>Aj r@]k^6>mk^Am
