{"id":4439,"date":"2023-11-15T12:20:17","date_gmt":"2023-11-15T17:20:17","guid":{"rendered":"https:\/\/advisorsmortgage.com\/?p=4439"},"modified":"2023-11-20T14:02:11","modified_gmt":"2023-11-20T19:02:11","slug":"what-are-discount-points","status":"publish","type":"post","link":"https:\/\/advisorsmortgage.com\/es\/knowledge-base\/what-are-discount-points\/","title":{"rendered":"\u00bfQu\u00e9 son los puntos de descuento?"},"content":{"rendered":"<p>Cuando est\u00e1s <a href=\"https:\/\/advisorsmortgage.com\/es\/knowledge-base\/are-you-thinking-about-buying-a-home\/?preview_id=4438&#038;preview_nonce=79069bc74a&#038;_thumbnail_id=-1&#038;preview=true\">adquisitivo <\/a>o refinanciar una casa, su prestamista le cotizar\u00e1 una tasa de inter\u00e9s para su pr\u00e9stamo. La tasa de inter\u00e9s afectar\u00e1 el pago mensual de su hipoteca, por lo que es un tema importante que analizar.<\/p>\n<p>Despu\u00e9s de que su prestamista le haya cotizado una tasa, tambi\u00e9n tiene la opci\u00f3n de pagar puntos de descuento. Los puntos de descuento son tarifas que puede pagar para obtener una tasa de inter\u00e9s m\u00e1s baja. La cantidad de puntos que se cargan var\u00eda seg\u00fan la situaci\u00f3n y el mercado actual. Los puntos de descuento suelen ser m\u00e1s comunes en un entorno de tasas de inter\u00e9s m\u00e1s altas.<\/p>\n<p>Entonces, por ejemplo, si est\u00e1s pagando un punto de descuento en un pr\u00e9stamo de $200,000, pagar\u00e1s 1% de $200,000, que son $2,000. Estos puntos se suman a sus costos de cierre y se cobrar\u00e1n en la mesa de cierre. No se le cobrar\u00e1n puntos por adelantado.<\/p>\n<p>\u00bfC\u00f3mo saber si comprar un punto de descuento es una buena idea?<br \/>\n\u25cf Tiene previsto quedarse en casa durante un buen per\u00edodo de tiempo.<br \/>\n\u25cf Calcule su punto de equilibrio<\/p>\n<p>Para determinar cu\u00e1l es su punto de equilibrio, veamos el siguiente ejemplo:<\/p>\n<p>$Monto del pr\u00e9stamo de 200.000 La tasa inicial se cotiza en 5,5%<br \/>\nDecides pagar 1% punto de descuento que son $2,000 Nueva tarifa: 5.25%<br \/>\nAl pagar 1% al cierre, ahorrar\u00eda $50 en el pago mensual de su hipoteca<\/p>\n<p>Luego, toma el monto que est\u00e1s pagando por los puntos de descuento y div\u00eddelo por el <a href=\"https:\/\/advisorsmortgage.com\/es\/knowledge-base\/dont-mess-with-your-credit\/\">monto de ahorro mensual<\/a>:<\/p>\n<p>$2,000\/$50 = 40. Comenzar\u00e1s a recuperar el importe que pagaste por los puntos de descuento despu\u00e9s de 40 meses.<\/p>\n<p>\u00bfA\u00fan suena complicado? \u00a1Buenas noticias! El Oficial de Pr\u00e9stamos Hipotecarios de Your Advisors est\u00e1 totalmente preparado para <a href=\"https:\/\/advisorsmortgage.com\/es\/knowledge-base\/are-you-thinking-about-buying-a-home\/\">educar <\/a>usted y ayudarle a evaluar la mejor situaci\u00f3n para usted y su familia.<\/p>","protected":false},"excerpt":{"rendered":"Cuando compra o refinancia una casa, su prestamista le cotizar\u00e1 una tasa de inter\u00e9s para su pr\u00e9stamo. La tasa de inter\u00e9s afectar\u00e1 el pago mensual de su hipoteca, por lo que es <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":[334],"tags":[124],"class_list":["post-4439","post","type-post","status-publish","format-standard","hentry","category-knowledge-base","tag-press-release"],"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>What are Discount Points? - Advisors Mortgage Group<\/title>\n<meta name=\"description\" content=\"Explore the concept of discount points in mortgage financing. 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