{"id":6487,"date":"2024-06-21T16:36:53","date_gmt":"2024-06-21T16:36:53","guid":{"rendered":"https:\/\/thedocegroup.com\/?p=6487"},"modified":"2025-09-26T15:35:09","modified_gmt":"2025-09-26T15:35:09","slug":"como-ahorrar-para-el-pago-inicial","status":"publish","type":"post","link":"https:\/\/thedocegroup.com\/es\/how-to-save-for-a-down-payment\/","title":{"rendered":"C\u00f3mo ahorrar para el pago inicial\u00a0"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"6487\" class=\"elementor elementor-6487\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1f3281f2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1f3281f2\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2aa0a072\" data-id=\"2aa0a072\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-153b9849 elementor-widget elementor-widget-text-editor\" data-id=\"153b9849\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\n<p>Ahorrar miles de d\u00f3lares para el pago inicial de una casa es uno de los pasos m\u00e1s desalentadores en el camino hacia la propiedad de una vivienda. Incluso puede parecer imposible.\u00a0<\/p>\n\n<p>Sin embargo, si puede conseguirlo, estar\u00e1 en una posici\u00f3n mucho m\u00e1s fuerte y competitiva que los compradores que deben recurrir a programas de ayuda al pago inicial o a programas de pr\u00e9stamos hipotecarios sin entrada. Estos programas no tienen nada de malo, pero pueden restringir sus opciones.<\/p>\n\n<p>Ahorrar para el pago inicial tambi\u00e9n significa reducir la cantidad que tendr\u00e1s que pedir prestada, disminuir el pago de la hipoteca y hacer mucho m\u00e1s factible la compra de una vivienda. Pero, \u00bfc\u00f3mo hacerlo?\u00a0<\/p>\n\n<h2 class=\"wp-block-heading\"><strong>Establezca un objetivo\u00a0<\/strong><\/h2>\n\n<p><a rel=\"nofollow\" href=\"http:\/\/realtor.com\">Seg\u00fan Realtor.com<\/a>El valor medio de una vivienda en Fort Lauderdale es de $650.000 en el momento de redactar este informe. Tambi\u00e9n tendr\u00e1 que tener en cuenta los gastos de cierre, que suelen ser del 2% al 5% del importe del pr\u00e9stamo hipotecario.<\/p>\n\n<p>El pago inicial que necesitar\u00e1s ahorrar depender\u00e1 del tipo de pr\u00e9stamo al que te dirijas.<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Tendr\u00e1 que ahorrar 3,5% para la mayor\u00eda de los pr\u00e9stamos FHA.<\/li>\n\n<li>Tendr\u00e1s que ahorrar entre 3 y 5% para un pr\u00e9stamo convencional, dependiendo de si es la primera vez que compras una vivienda. Si quieres evitar pagar el seguro hipotecario privado (PMI), tendr\u00e1s que aportar 20%.<\/li>\n\n<li>Para mejorar su tipo de inter\u00e9s, aumentar su patrimonio neto y hacer una oferta m\u00e1s competitiva, es posible que desee ahorrar hasta 10% de entrada.<\/li>\n<\/ul>\n\n<p>\u00a0<\/p>\n\n<p>Por lo tanto, si tu objetivo es un pr\u00e9stamo FHA, probablemente querr\u00e1s ahorrar al menos $22.750 s\u00f3lo para el pago inicial, ya que eso te dar\u00e1 3,5% del precio medio de la vivienda. A\u00f1adir 5% de gastos de cierre supone ahorrar $32.500 m\u00e1s, lo que significa ahorrar $55.250. Y no olvides que puede que necesites ahorrar tambi\u00e9n para gastos de mudanza, dep\u00f3sitos de servicios p\u00fablicos y gastos de emergencia. Ahorrar $70.000 para cubrir todos estos gastos podr\u00eda ser un objetivo razonable.\u00a0<\/p>\n\n<p>Es posible que su objetivo sea una vivienda m\u00e1s barata, pero si lo hace, estar\u00e1 en una posici\u00f3n a\u00fan m\u00e1s fuerte al ahorrar lo suficiente para entrar en el mercado de la vivienda a un precio m\u00e1s alto si tiene que hacerlo.<\/p>\n\n<p>Es una suma importante, pero no imposible. Tendr\u00e1s que respirar hondo y trazar un plan.\u00a0<\/p>\n\n<h2 class=\"wp-block-heading\"><strong>Ponga orden en sus finanzas<\/strong><\/h2>\n\n<p>De todos modos, querr\u00e1s tener unas finanzas s\u00f3lidas cuando inicies el proceso de compra de una vivienda. Toma las siguientes medidas.\u00a0<\/p>\n\n<ol class=\"wp-block-list\">\n<li>Abre una cuenta de ahorro espec\u00edfica para el anticipo, a ser posible que no est\u00e9 conectada a tu cuenta corriente, para que sea m\u00e1s dif\u00edcil echar mano de ella. Acost\u00fambrate a ingresar un poco de dinero cada mes. Si puedes hacer dep\u00f3sitos autom\u00e1ticos, config\u00faralos para que el ahorro sea autom\u00e1tico.<\/li>\n\n<li>Si puede, elija una cuenta de ahorro de alto rendimiento. Una cuenta de ahorro de alto rendimiento puede ayudarte a hacer que tu dinero trabaje para ti y acortar el tiempo que tardas en alcanzar tus objetivos de ahorro.\u00a0<\/li>\n\n<li>Haz un presupuesto.\u00a0<\/li>\n\n<li>Elimina todos los peque\u00f1os gastos que tienden a acumularse, como las suscripciones en las que hace tiempo que no piensas. Tambi\u00e9n podr\u00edas reducir el n\u00famero de veces que comes menos o tu presupuesto para compras.\u00a0<\/li>\n\n<li>Empezar un negocio secundario y dedicar todo ese dinero al pago inicial puede ayudarte a ahorrar una cantidad significativa de dinero mucho m\u00e1s r\u00e1pido.\u00a0<\/li>\n\n<li>Empieza a pagar las deudas. Si puedes, elimina las deudas con intereses altos. A medida que vayas eliminando pagos mensuales, podr\u00e1s empezar a dedicar ese dinero a tu fondo de pago inicial. Empieza por las deudas de las tarjetas de cr\u00e9dito, ya que pueden ser las m\u00e1s t\u00f3xicas tanto para tu puntuaci\u00f3n crediticia como para tu capacidad de ahorro.\u00a0<\/li>\n\n<li>Desv\u00eda cualquier ganancia inesperada que recibas a tu fondo para el pago inicial. Por ejemplo, regalos de familiares y amigos, aumentos de sueldo, bonificaciones y otros ingresos que no formen parte de tus gastos habituales en este momento.\u00a0<\/li>\n<\/ol>\n\n<p>\u00a0<\/p>\n\n<p>Conc\u00e9ntrate en el proceso de pago inicial. Si tienes otros objetivos de ahorro, como ahorrar para unas vacaciones de ensue\u00f1o o para un coche, quiz\u00e1 debas posponerlos o destinar ese dinero al fondo para la compra de la vivienda.<\/p>\n\n<h2 class=\"wp-block-heading\"><strong>Contin\u00faa.<\/strong><\/h2>\n\n<p>Ahorrar para la compra de una vivienda puede llevar a\u00f1os, pero merecer\u00e1 la pena cuando tenga una casa y la haya comprado, sabiendo que est\u00e1 preparado financieramente para hacerlo.\u00a0<\/p>\n\n<p>Y si todo esto le parece totalmente irrealista para sus ingresos y su situaci\u00f3n, entonces <a href=\"https:\/\/thedocegroup.com\/down-payment-assistance-programs-florida\/\">ayuda al pago inicial<\/a> y <a href=\"https:\/\/thedocegroup.com\/home-zero-page\">ciertos pr\u00e9stamos 0%<\/a> a\u00fan puede ser una opci\u00f3n para usted, que le exigir\u00e1 ahorrar mucho menos dinero. Tambi\u00e9n puede ser posible reducir sus costes de cierre en un margen significativo si toma las medidas adecuadas.\u00a0<\/p>\n\n<p>\u00bfQuiere explorar sus opciones? <a href=\"https:\/\/thedocegroup.com\/contact\/\">P\u00f3ngase en contacto con Alex Doce en The Mortgage Doce Group<\/a> hoy. \u00c9l puede ayudarle a fijar un objetivo realista u orientarle hacia programas que podr\u00edan ser factibles para su situaci\u00f3n financiera.\u00a0<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Saving thousands of dollars for a down payment on a house is one of the most daunting steps in the homeownership journey. It can even feel impossible.\u00a0 Yet, if you can manage to do it, you&#8217;ll be in a much stronger and more competitive position than buyers who must rely on down payment assistance programs [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":6488,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-6487","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 4.9.6.2 - aioseo.com -->\n\t<meta name=\"description\" content=\"How much do you really need to save for a down payment on a home? 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