{"id":3806,"date":"2023-03-27T13:00:13","date_gmt":"2023-03-27T20:00:13","guid":{"rendered":"https:\/\/www.pcfcu.org\/blog\/mortgage-monday-whats-the-difference-between-a-mortgage-refinance-a-home-equity-loan-and-a-heloc\/"},"modified":"2025-07-03T18:32:02","modified_gmt":"2025-07-04T01:32:02","slug":"lunes-hipotecario-cual-es-la-diferencia-entre-una-refinanciacion-hipotecaria-un-prestamo-con-garantia-hipotecaria-y-un-heloc","status":"publish","type":"post","link":"https:\/\/www.pcfcu.org\/es\/blog\/lunes-hipotecario-cual-es-la-diferencia-entre-una-refinanciacion-hipotecaria-un-prestamo-con-garantia-hipotecaria-y-un-heloc\/","title":{"rendered":"Lunes hipotecario: \u00bfCu\u00e1l es la diferencia entre una refinanciaci\u00f3n de hipoteca, un pr\u00e9stamo con garant\u00eda hipotecaria y un HELOC?"},"content":{"rendered":"<p><p style=\"text-align: left;\">Con las tasas de inter\u00e9s en aumento, pero todav\u00eda considerablemente menores que en muchos a\u00f1os, ahora puede ser el momento de considerar convertir parte de su deuda de tarjetas de cr\u00e9dito con intereses altos u otros pr\u00e9stamos en algo con una tasa de inter\u00e9s m\u00e1s baja.<\/p>\n<p style=\"text-align: left;\">Los propietarios de vivienda tienen varias opciones a considerar para aprovechar el valor de su vivienda o refinanciar una hipoteca. Tres opciones de pr\u00e9stamo populares son refinanciar una hipoteca existente, solicitar un pr\u00e9stamo con garant\u00eda hipotecaria o una l\u00ednea de cr\u00e9dito con garant\u00eda hipotecaria, tambi\u00e9n conocida como HELOC.<\/p>\n<p style=\"text-align: left;\">A continuaci\u00f3n le presentamos una introducci\u00f3n a este tipo de pr\u00e9stamos:<\/p>\n<h5 style=\"text-align: left;\"><strong>Refinanciaci\u00f3n de hipoteca<\/strong><\/h5>\n<p style=\"text-align: left;\">Podr\u00eda considerar refinanciar una hipoteca si pudiera pagar una tasa de inter\u00e9s m\u00e1s baja en un pr\u00e9stamo hipotecario que la que paga actualmente. Por ejemplo, si paga, digamos, 7% o m\u00e1s en un pr\u00e9stamo hipotecario cuando podr\u00eda calificar para una tasa tan baja como 6%, dependiendo de su puntaje crediticio y otros factores, ser\u00eda conveniente hacer c\u00e1lculos. Para ello, determine cu\u00e1nto gastar\u00eda en los nuevos costos de cierre que suele generar una refinanciaci\u00f3n. Divida esa cuota en incrementos mensuales seg\u00fan el tiempo que planee vivir en su casa con la nueva tasa del pr\u00e9stamo. Una vez que tenga esa cifra, vea si le conviene refinanciar. Lo que busca es un nuevo pago mensual menor a lo que paga actualmente, incluso al sumar los costos de cierre y cualquier otro cargo.<\/p>\n<h5 style=\"text-align: left;\"><strong>Pr\u00e9stamo con garant\u00eda hipotecaria<\/strong><\/h5>\n<p style=\"text-align: left;\">Este es un pr\u00e9stamo a tasa fija que permite a los propietarios retirar dinero en un solo pago y comenzar a pagarlo de inmediato. Es recomendable comparar opciones de este tipo de pr\u00e9stamo: consulte con su banco o cooperativa de cr\u00e9dito local. Tambi\u00e9n puede consultar r\u00e1pidamente un sitio web como\u00a0<a href=\"http:\/\/bankrate.com\/\" target=\"_blank\" rel=\"noopener\">bankrate.com<\/a>\u00a0Para obtener la informaci\u00f3n m\u00e1s actualizada sobre las tasas m\u00e1s bajas disponibles, muchos prestamistas estadounidenses le permiten pedir prestado hasta el 80% del valor neto de su vivienda, es decir, el valor de su vivienda menos la cantidad que a\u00fan debe de la hipoteca.<\/p>\n<h5 style=\"text-align: left;\"><strong>L\u00ednea de cr\u00e9dito con garant\u00eda hipotecaria (HELOC)<\/strong><\/h5>\n<p style=\"text-align: left;\">Una l\u00ednea de cr\u00e9dito con garant\u00eda hipotecaria (HELOC) es un tipo de pr\u00e9stamo con garant\u00eda hipotecaria con una tasa variable, a menudo vinculada a la tasa preferencial. Esto significa que cuando las tasas de inter\u00e9s suben, tambi\u00e9n lo hacen la mayor\u00eda de los pagos mensuales. Con muchos pr\u00e9stamos HELOC, se puede retirar el dinero seg\u00fan se necesite, en lugar de obtenerlo todo de una vez. Esto puede ser \u00fatil cuando se est\u00e1 remodelando una casa o un condominio y no se necesita un pago \u00fanico. Adem\u00e1s, solo se est\u00e1 obligado a devolver el dinero que se retira y, por supuesto, solo se cobran intereses sobre el dinero que se utiliza. Al igual que los pr\u00e9stamos con garant\u00eda hipotecaria, puede ser dif\u00edcil calificar para una HELOC sin un capital sustancial en la vivienda. De nuevo, compare las tasas de inter\u00e9s. A mediados de septiembre, la tasa promedio para una HELOC era de 6.51%, seg\u00fan bankrate.com. Para calificar para las mejores tasas, se necesita un puntaje crediticio alto y una baja relaci\u00f3n ingresos-deuda, entre otros factores.<\/p>\n<p style=\"text-align: left;\">A menudo, los propietarios consolidan varios pr\u00e9stamos con intereses altos en algo m\u00e1s manejable mediante un pr\u00e9stamo con garant\u00eda hipotecaria o HELOC. Luego, pueden obtener el nuevo pr\u00e9stamo, m\u00e1s econ\u00f3mico, y usarlo para pagar tarjetas de cr\u00e9dito, pr\u00e9stamos para veh\u00edculos, deudas estudiantiles y otros pr\u00e9stamos con tasas de inter\u00e9s m\u00e1s altas. Esta puede ser una forma eficaz de reducir sus gastos mensuales.<\/p>\n<h5 style=\"text-align: left;\"><strong>Una palabra de precauci\u00f3n<\/strong><\/h5>\n<p style=\"text-align: left;\">Antes de consolidar, especialmente si decide transferir su deuda de tarjeta de cr\u00e9dito a cualquier tipo de pr\u00e9stamo con garant\u00eda hipotecaria, es importante comprender que est\u00e1 tomando una deuda sin garant\u00eda (en la que, si incumple, solo ver\u00e1 afectado su puntaje crediticio) y convirti\u00e9ndola en una deuda con garant\u00eda (en la que, al no pagar el pr\u00e9stamo, el prestamista puede embargar el activo asociado al pr\u00e9stamo). Si incumple con la deuda con garant\u00eda, al no pagarla, el prestamista puede embargar su vivienda. Deber\u00e1 asegurarse de mantenerse firme y no gastar demasiado en sus tarjetas de cr\u00e9dito despu\u00e9s de una consolidaci\u00f3n. Si empieza a gastar de forma descontrolada despu\u00e9s de refinanciar deudas antiguas, probablemente terminar\u00e1 en una situaci\u00f3n financiera peor que antes.<\/p>\n<figure id=\"attachment_4369\" aria-describedby=\"caption-attachment-4369\" style=\"width: 150px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-4369 size-thumbnail\" src=\"https:\/\/www.pcfcu.org\/wp-content\/uploads\/Hollyanna-Vopat-Steiner-scaled-e1640196371101-150x150.jpg\" alt=\"Una foto de nuestra oficial hipotecaria, Hollyanna Vopat-Steiner\" width=\"150\" height=\"150\" \/><figcaption id=\"caption-attachment-4369\" class=\"wp-caption-text\">Hollyanna Vopat-Steiner<br \/>Oficial de pr\u00e9stamos hipotecarios<br \/>NMLS #1227394<br \/>(360) 426-1601 ext.3162<br \/>hvopatsteiner@pcfcu.org<\/figcaption><\/figure>\n<p><em>Esta publicaci\u00f3n se public\u00f3 en colaboraci\u00f3n con nuestro socio SavvyMoney. Autor original: <\/em>Jean Chatzky<\/p>","protected":false},"excerpt":{"rendered":"<p>Con las tasas de inter\u00e9s en aumento, pero todav\u00eda considerablemente menores que en los \u00faltimos a\u00f1os, ahora puede ser el momento\u2026 <a href=\"https:\/\/www.pcfcu.org\/es\/blog\/lunes-hipotecario-cual-es-la-diferencia-entre-una-refinanciacion-hipotecaria-un-prestamo-con-garantia-hipotecaria-y-un-heloc\/\">Leer m\u00e1s<\/a><\/p>","protected":false},"author":10,"featured_media":3807,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[54],"class_list":["post-3806","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mortgage"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Mortgage Monday: What\u2019s the difference between a mortgage refinance, a home equity loan and a HELOC? 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