{"id":5006,"date":"2025-06-09T16:06:37","date_gmt":"2025-06-09T20:06:37","guid":{"rendered":"https:\/\/advisorsmortgage.com\/?p=5006"},"modified":"2025-06-12T16:07:10","modified_gmt":"2025-06-12T20:07:10","slug":"homeowners-hold-on-average-17-6-trillion-in-home-equity","status":"publish","type":"post","link":"https:\/\/advisorsmortgage.com\/es\/advisors-family\/30-second-market-update\/homeowners-hold-on-average-17-6-trillion-in-home-equity\/","title":{"rendered":"Los propietarios de viviendas poseen un promedio de $17,6 billones en valor de vivienda"},"content":{"rendered":"<p>\n    El Monitor Hipotecario de junio de 2025 de ICE Mortgage Technology revela que los propietarios de viviendas ahora tienen un r\u00e9cord<br \/>\n    <strong>$17,6 billones<\/strong> en el valor l\u00edquido de la vivienda, con <strong>$11,5 billones<\/strong> clasificado como aprovechable \u2014<br \/>\n    disponible para pr\u00e9stamos mientras se mantiene un capital de al menos 20%. Como HELOC (l\u00ednea de cr\u00e9dito con garant\u00eda hipotecaria)<br \/>\n    Las tasas de cr\u00e9dito caen, la demanda aumenta dr\u00e1sticamente: los retiros de capital de segundo grado aumentaron<br \/>\n    <strong>22% a\u00f1o tras a\u00f1o<\/strong> a casi <strong>$25 mil millones<\/strong> en el primer trimestre de 2025, el m\u00e1s alto<br \/>\n    Volumen del primer trimestre desde 2008.\n  <\/p>\n<p>\n    La reducci\u00f3n de los costos de los pr\u00e9stamos y el aumento del capital propio de los propietarios de viviendas est\u00e1n impulsando este aumento. El promedio de las l\u00edneas de cr\u00e9dito con garant\u00eda hipotecaria (HELOC)<br \/>\n    La tasa cay\u00f3 y se esperan nuevas ca\u00eddas si la Reserva Federal recorta las tasas.\n  <\/p>\n<h2>Aspectos destacados:<\/h2>\n<ul>\n<li>48 millones de propietarios de viviendas tienen capital disponible, con un promedio de $212K cada uno.<\/li>\n<li>La vivienda hipotecada promedio tiene un apalancamiento de solo 45%, lo que indica que hay espacio para un mayor acceso al capital.<\/li>\n<li>25% de los propietarios de viviendas est\u00e1n considerando un HELOC o pr\u00e9stamo sobre el valor l\u00edquido de la vivienda el pr\u00f3ximo a\u00f1o.<\/li>\n<\/ul>\n<p>\n    La propiedad de una vivienda contin\u00faa generando valor con el tiempo, lo que brinda a los propietarios los fondos necesarios para pagar<br \/>\n    reducir las facturas de tarjetas de cr\u00e9dito, pagar la universidad y completar renovaciones en el hogar.\n  <\/p>\n<p>\n    <a href=\"https:\/\/mortgagetech.ice.com\/resources\/data-reports\/june-2025-mortgage-monitor?utm_source=www.mortgagenuggets.com&#038;utm_medium=newsletter&#038;utm_campaign=inventory-for-sale-hits-record-698-billion-in-april&#038;_bhlid=c403fe3306d170b6e2598cc9d980f261db78aed2#:~:text=ICE%20Mortgage%20Monitor%3A%20Record%20Levels%20of%20Home%20Equity%20and%20Falling%20Rates%20Drive%20Highest%20HELOC%20Withdraws%20Since%202008\" target=\"_blank\" rel=\"noopener\"><br \/>\n      Lea el informe completo del Monitor Hipotecario de junio de 2025<br \/>\n    <\/a>\n  <\/p>","protected":false},"excerpt":{"rendered":"El Monitor Hipotecario de junio de 2025 de ICE Mortgage Technology revela que los propietarios de viviendas ahora poseen un r\u00e9cord de $17.6 billones en valor de vivienda, con $11.5 billones clasificados como aprovechables, disponibles para pr\u00e9stamos mientras <span class=\"gold-text\">[&#8230;]<\/span>","protected":false},"author":7,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[16],"tags":[12,47,30,26,213,371],"class_list":["post-5006","post","type-post","status-publish","format-standard","hentry","category-30-second-market-update","tag-30-second-update","tag-housing-market","tag-interest-rates","tag-mortgage-industry","tag-recession","tag-tariffs"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v23.7 (Yoast SEO v23.7) - 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