{"id":4322,"date":"2023-09-11T10:02:32","date_gmt":"2023-09-11T14:02:32","guid":{"rendered":"https:\/\/advisorsmortgage.com\/?p=4322"},"modified":"2023-09-11T09:18:40","modified_gmt":"2023-09-11T13:18:40","slug":"do-mortgage-discount-points-make-sense","status":"publish","type":"post","link":"https:\/\/advisorsmortgage.com\/es\/advisors-family\/30-second-market-update\/do-mortgage-discount-points-make-sense\/","title":{"rendered":"\u00bfTienen sentido los puntos de descuento hipotecario?"},"content":{"rendered":"<!--[if lt IE 9]><script>document.createElement('audio');<\/script><![endif]-->\n<audio class=\"wp-audio-shortcode\" id=\"audio-4322-1\" preload=\"none\" style=\"width: 100%;\" controls=\"controls\"><source type=\"audio\/mpeg\" src=\"https:\/\/advisorsmortgage.com\/wp-content\/uploads\/Advisors-Sept-11-2023-weekly-update-09102023.mp3?_=1\" \/><a href=\"https:\/\/advisorsmortgage.com\/wp-content\/uploads\/Advisors-Sept-11-2023-weekly-update-09102023.mp3\">https:\/\/advisorsmortgage.com\/wp-content\/uploads\/Advisors-Sept-11-2023-weekly-update-09102023.mp3<\/a><\/audio>\n<p>\u00bfQu\u00e9 significa pagar puntos de descuento? Pagar un punto de descuento significa que est\u00e1 pagando por adelantado los intereses de su hipoteca. B\u00e1sicamente est\u00e1s pagando para reducir tu tasa de inter\u00e9s. En promedio, pagar un punto o 1% del monto de su pr\u00e9stamo reduce su tasa de inter\u00e9s en alrededor de 0.25%. Adem\u00e1s, podr\u00eda llevar m\u00e1s de 6 o 7 a\u00f1os recuperar el gasto de pagar ese punto haciendo c\u00e1lculos con sus ahorros mensuales en comparaci\u00f3n con el gasto inicial que pag\u00f3. Pero pensemos en el mercado actual en el que nos encontramos.  <\/p>\n<p>Muchos analistas pronostican que las tasas de inter\u00e9s disminuir\u00e1n lentamente en los pr\u00f3ximos trimestres. Fannie Mae pronostica que una hipoteca fija a 30 a\u00f1os alcanzar\u00e1 los 5 puntos m\u00e1ximos para el segundo trimestre del pr\u00f3ximo a\u00f1o. La Asociaci\u00f3n de Banqueros Hipotecarios y la Asociaci\u00f3n Nacional de Agentes Inmobiliarios pronostican tasas hipotecarias fijas a 30 a\u00f1os de alrededor de 5,8% en alg\u00fan momento del cuarto trimestre de 2023. Las tasas de inter\u00e9s hipotecarias comparten una relaci\u00f3n con la inflaci\u00f3n y, a medida que la inflaci\u00f3n cae, las tasas de inter\u00e9s siguen. Al pagar puntos para reducir su tasa de inter\u00e9s, b\u00e1sicamente est\u00e1 apostando a que las tasas de inter\u00e9s bajen y nuevamente en este mercado parece que no es la mejor apuesta. <\/p>\n<p>Sin embargo, puede haber un escenario en el que pagar puntos tenga sentido. Por ejemplo, si fue precalificado hace meses cuando las tasas rondaban los 6% y ahora encuentra una casa y su tasa actualizada est\u00e1 en el rango de 7%, esto podr\u00eda afectar su elegibilidad para calificar, ya que su relaci\u00f3n deuda-ingresos se calcul\u00f3 utilizando una tasa mensual. pago que se gener\u00f3 con una tasa en el rango 6%. En este caso, es posible que pueda reducir su tarifa comprando uno o m\u00e1s puntos y reduciendo su tarifa de 7 a 6, lo que aumentar\u00e1 su poder adquisitivo.<\/p>\n<p>Es importante trabajar en estrecha colaboraci\u00f3n con profesionales hipotecarios de confianza que puedan guiarlo en la direcci\u00f3n correcta. Le ayudar\u00e1n a tomar las decisiones m\u00e1s informadas y le brindar\u00e1n una comprensi\u00f3n completa de todas sus opciones para ayudarlo a sopesar los pros y los contras de pagar puntos de descuento.<\/p>","protected":false},"excerpt":{"rendered":"\u00bfQu\u00e9 significa pagar puntos de descuento? Pagar un punto de descuento significa que est\u00e1 pagando por adelantado los intereses de su hipoteca. B\u00e1sicamente est\u00e1s pagando para reducir tu tasa de inter\u00e9s. <span class=\"gold-text\">[&#8230;]<\/span>","protected":false},"author":3,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[16],"tags":[12,46,26,213],"class_list":["post-4322","post","type-post","status-publish","format-standard","hentry","category-30-second-market-update","tag-30-second-update","tag-inflation","tag-mortgage-industry","tag-recession"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v23.7 (Yoast SEO v23.7) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Do Mortgage Discount Points Make Sense? - Advisors Mortgage Group<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/advisorsmortgage.com\/es\/advisors-family\/30-second-market-update\/do-mortgage-discount-points-make-sense\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Do Mortgage Discount Points Make Sense?\" \/>\n<meta property=\"og:description\" content=\"What does paying discounts points mean? Paying a discount point means you are prepaying your interest up front on your mortgage. You are basically paying to lower your interest rate. 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Paying a discount point means you are prepaying your interest up front on your mortgage. You are basically paying to lower your interest rate. 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