Momentos Financieros: Cómo financiar una ampliación de la vivienda

Ya sea que te acabes de mudar o que hayas vivido en tu casa durante años, es natural desear hacer tuyo el espacio. Tal vez hayas soñado con la remodelación de un pequeño baño o de la cocina, o en un proyecto de mayor escala, como agregar un departamento para tu suegra.

 

 

Antes de contratar a un contratista o de dibujar los planos, es importante pensar en cómo pagarás la mano de obra y los materiales. Afortunadamente, no debes tener cada centavo ahorrado en el banco. De hecho, existen varias maneras de utilizar creatividad cuando se trata de financiar proyectos en la casa.

 

Línea de crédito sobre el capital de la vivienda

A menudo conocida como HELOC (Home Equity Line of Credit), este tipo de financiamiento puede ser una hipoteca primaria o secundaria que te da acceso al capital que has obtenido. Un rápido cálculo: toma el valor actual de tu vivienda y sustrae lo que aún debes en la hipoteca. La diferencia es tu capital. Con una HELOC, puedes pedir prestado contra un porcentaje de ese número con una tasa de interés variable.

 

Los fondos se ponen a tu disponibilidad en la forma de una línea de crédito renovable, similar a una tarjeta de crédito. Generalmente, puedes acceder a los fondos disponibles en cualquier momento para lo que necesites durante un período de retiro de 10 años. Durante este tiempo, los pago mínimos son bajos y es posible que únicamente incluyan pagos de intereses para quienes califiquen. Eso cambia en el período de pago cuando el capital y el interés se juntan en un pago mensual, generalmente durante 20 años.

 

Una HELOC es una gran opción si necesitas una fuente de dinero que sea flexible en cuanto a cómo y cuándo la utilices. Pero debes tener cuidado al poner tu vivienda como garantía. Si fallas en realizar los pagos, es posible que el banco tome posesión de tu vivienda.

 

Préstamo sobre el capital de la vivienda

Como lo sugiere el nombre, este tipo de financiamiento también accede al capital de la vivienda a través de una hipoteca secundaria. A diferencia de una HELOC, un préstamo sobre el capital de la vivienda se entrega como una suma total de dinero. Es un porcentaje del capital de tu vivienda con una tasa de interés fija, pero no existe período de retiro. Debes empezar a realizar los pagos mensuales tan pronto como recibas el préstamo.

 

Si conoces el monto que necesitas para un proyecto específico en la vivienda y deseas un financiamiento más estable, es posible que un préstamo sobre el capital de la vivienda funcione. Pero recuerda, aún estarás utilizando tu vivienda como garantía, así que es importante realizar los pagos mensuales a tiempo.

 

Refinanciamiento con retiro de efectivo

Si no deseas una segunda hipoteca, existe otra opción que depende del capital de la vivienda para pagar renovaciones: el refinanciamiento. Este método se trata de reemplazar tu hipoteca actual con una nueva que es mayor a lo que debes por la vivienda. (También tendrá una nueva tasa de interés y plazo). La diferencia entre lo que debes y el monto de la nueva hipoteca es el efectivo que puedes utilizar.

 

Un refinanciamiento es una estrategia ideal para los propietarios de viviendas que buscan posiblemente aprovechar una tasa de interés más baja que la de su hipoteca original.

 

Préstamo personal

Sin embargo, no todo mundo ha vivido en su vivienda suficiente tiempo para poder acceder al capital. Si ese es tu caso, no te preocupes. Existen otras opciones para financiar proyectos en la vivienda. Sacar un préstamo personal, por ejemplo, en ocasiones puede ser una ruta más simple y rápida para acceder a efectivo.

 

A diferencia del papeleo e inspecciones que se requieren para refinanciar u obtener una segunda hipoteca con una HELOC o un préstamo sobre el capital de la vivienda, un préstamo personal ofrece un proceso de solicitud agilizado basado en información básica, como tu historial de crédito e ingresos.

 

Línea de crédito personal

Este tipo de financiamiento es una línea de crédito renovable similar a una HELOC, excepto que no requiere tu vivienda como garantía. Mientras que una línea de crédito funciona como una tarjeta de crédito, generalmente ofrece límites de crédito más altos y tasas de porcentaje anuales (APR) más favorables.

 

Tarjeta de crédito

Para proyectos exclusivos más pequeños (por ejemplo, reemplazar el azulejo en tu baño de visitas), una tarjeta de crédito puede ser todo lo que necesites para hacer tu sueño de renovación de la vivienda una realidad. Se recomienda que pagues el saldo en su totalidad cada mes para evitar cargos por intereses, los que, para tarjetas de crédito, generalmente son más altos que en cualquier otro tipo de financiamiento.

 

Efectivo

Por supuesto que siempre existe la opción de pagar proyectos de renovaciones en efectivo, sobre todo si tu puntuación de crédito te imposibilita acceder a líneas de crédito. Es posible que tome más tiempo ahorrar para que puedas iniciar la remodelación, pero no tener ninguna deuda es algo positivo. 

 

Infórmate sobre opciones de capital de la vivienda para acceder a lo que mejor funcione para tus metas de remodelación.

Infórmate sobre U.S. Bank

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Inicio del contenido de las divulgaciones

La aprobación del préstamo está sujeta a la aprobación de crédito y a las normas del programa. No todos los programas de préstamos están disponibles en todos los estados para todos los montos de préstamos. La tasa de interés y los términos del programa están sujetos a cambios sin previo aviso. Los productos hipotecarios, de capital de la vivienda y de crédito son ofrecidos por U.S. Bank National Association. Productos de depósito ofrecidos por U.S. Bank National Association. Miembro FDIC.