{"id":4568,"date":"2024-02-12T09:51:03","date_gmt":"2024-02-12T14:51:03","guid":{"rendered":"https:\/\/advisorsmortgage.com\/?p=4568"},"modified":"2024-02-12T10:54:09","modified_gmt":"2024-02-12T15:54:09","slug":"tappable-home-equity-on-the-rise","status":"publish","type":"post","link":"https:\/\/advisorsmortgage.com\/es\/advisors-family\/30-second-market-update\/tappable-home-equity-on-the-rise\/","title":{"rendered":"El valor l\u00edquido de la vivienda aprovechable va en aumento"},"content":{"rendered":"<!--[if lt IE 9]><script>document.createElement('audio');<\/script><![endif]-->\n<audio class=\"wp-audio-shortcode\" id=\"audio-4568-1\" preload=\"none\" style=\"width: 100%;\" controls=\"controls\"><source type=\"audio\/mpeg\" src=\"https:\/\/advisorsmortgage.com\/wp-content\/uploads\/Advisors-Feb-12-2024-weekly-update-02112024.mp3?_=1\" \/><a href=\"https:\/\/advisorsmortgage.com\/wp-content\/uploads\/Advisors-Feb-12-2024-weekly-update-02112024.mp3\">https:\/\/advisorsmortgage.com\/wp-content\/uploads\/Advisors-Feb-12-2024-weekly-update-02112024.mp3<\/a><\/audio>\n<p>Black Knight inform\u00f3 que en todo Estados Unidos, aquellos que tienen una hipoteca sobre su casa ganaron $1,6 billones en capital en 2023. Ahora tienen colectivamente un total de $16 billones, que es el total de fin de a\u00f1o m\u00e1s alto registrado. Dos tercios de este grupo est\u00e1n en manos de prestatarios con puntajes crediticios de 760 o m\u00e1s. Tambi\u00e9n se mencion\u00f3 que el titular promedio de una hipoteca ahora tiene alrededor de $300,000 en capital, de los cuales alrededor de $195,000 son accesibles y podr\u00edan retirarse con productos tales como una refinanciaci\u00f3n con retiro de efectivo, un pr\u00e9stamo sobre el valor de la vivienda o una l\u00ednea de cr\u00e9dito sobre el valor de la vivienda, mientras que a\u00fan manteniendo una buena participaci\u00f3n accionaria en 20%. Adem\u00e1s, el pr\u00e9stamo combinado sobre el valor que las personas tienen en promedio para los titulares de hipotecas es 46%, lo que demuestra el punto de equidad accesible. Black Knight estima que hay 1,7 millones de personas que podr\u00edan beneficiarse en este momento de una ca\u00edda de al menos 75 puntos b\u00e1sicos en la tasa o 0,75% y que este n\u00famero aumentar\u00eda a 3,8 millones si las tasas suben a 6%. La refinanciaci\u00f3n y la capacidad de desbloquear o acceder al capital ciertamente est\u00e1n aumentando y solo se fortalecen a medida que el valor de las viviendas contin\u00faa aumentando y las tasas de inter\u00e9s mejoran lentamente.<\/p>\n<p>Hablando de equidad, CoreLogic inform\u00f3 que los precios de las viviendas cayeron 0,11 TP3T en diciembre y ahora han subido 5,51 TP3T a\u00f1o tras a\u00f1o. CoreLogic pronostica que los precios de las viviendas caer\u00e1n 0,21 TP3T en enero y aumentar\u00e1n 2,81 TP3T durante los pr\u00f3ximos 12 meses, lo que supone un aumento con respecto a los 2,51 TP3T del informe anterior. Black Knight public\u00f3 sus datos de apreciaci\u00f3n para los meses de noviembre y diciembre, que mostraron que el valor de las viviendas aument\u00f3 0,11 TP3T en cada uno de esos meses. Black Knight muestra que el valor de las viviendas aument\u00f3 5,61 TP3T a\u00f1o tras a\u00f1o.<\/p>\n<p>Fuente : <a href=\"https:\/\/bit.ly\/42wIWXp\">https:\/\/bit.ly\/42wIWXp<\/a><\/p>","protected":false},"excerpt":{"rendered":"Black Knight inform\u00f3 que en todo Estados Unidos, aquellos que tienen una hipoteca sobre su casa ganaron $1,6 billones en capital en 2023. Ahora, en conjunto, tienen un total de $16. <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":[12,353,47,213,345],"class_list":["post-4568","post","type-post","status-publish","format-standard","hentry","category-30-second-market-update","tag-30-second-update","tag-home-equity","tag-housing-market","tag-recession","tag-reverse-mortgage"],"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>Tappable Home Equity on The Rise - 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\/tappable-home-equity-on-the-rise\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Tappable Home Equity on The Rise\" \/>\n<meta property=\"og:description\" content=\"Black Knight reported that across the U.S., those who have a mortgage on their home gained $1.6 Trillion in equity in 2023. 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