{"id":46551,"date":"2017-12-01T00:00:00","date_gmt":"2017-12-01T06:00:00","guid":{"rendered":"https:\/\/duplicate-3724934.findlaw6.flsitebuilder.com\/blog\/2017\/12\/look-closely-at-reverse-mortgages\/"},"modified":"2017-12-01T00:00:00","modified_gmt":"2017-12-01T06:00:00","slug":"look-closely-at-reverse-mortgages","status":"publish","type":"post","link":"https:\/\/debrabrozlaw.com\/es\/blog\/2017\/12\/look-closely-at-reverse-mortgages\/","title":{"rendered":"Analice atentamente las hipotecas inversas"},"content":{"rendered":"<p>\u00bfQu\u00e9 es una hipoteca inversa? Es un pr\u00e9stamo sobre el valor l\u00edquido de una vivienda, disponible para mayores de 62 a\u00f1os, propietarios de su vivienda o con una hipoteca peque\u00f1a, y que ocupan la propiedad como residencia principal.<\/p>\n<p>Tenga cuidado con los costosos costos de cierre y otros gastos. Las tasas de inter\u00e9s ajustables pueden subir durante los primeros meses del pr\u00e9stamo. Las comisiones de apertura y las primas del seguro hipotecario pueden llegar hasta el dos por ciento. Los prestatarios son responsables de las primas de liberaci\u00f3n de servicios, las comisiones de corresponsal\u00eda del pr\u00e9stamo, las comisiones de registro y las comisiones de tasaci\u00f3n. Recuerde que estas comisiones se suman al seguro de vivienda, los impuestos sobre la propiedad, el mantenimiento y las cuotas de la asociaci\u00f3n de propietarios, que las personas podr\u00edan no tener en cuenta al solicitar hipotecas inversas. Estos costos pueden obligar a las personas mayores a solicitar pr\u00e9stamos m\u00e1s grandes de lo previsto inicialmente.<\/p>\n<p>Las hipotecas inversas pueden afectar a los herederos. Estas hipotecas otorgan dinero a las personas mayores en funci\u00f3n del valor l\u00edquido de la vivienda y no tienen que reembolsarse hasta que el prestatario venda la casa, fallezca o se mude. Un heredero tendr\u00eda que pagar la deuda al fallecimiento de la persona mayor para conservar la propiedad. Los hijos con padres ancianos deben estar atentos. Se sabe que los agentes prestan dinero a personas mayores que no tienen la capacidad para celebrar este tipo de acuerdos. No pueden preguntar a los hijos si sus padres tienen la capacidad para hacerlo. Las personas mayores que no tienen la capacidad para celebrar hipotecas y otros acuerdos legales pueden ser f\u00e1cilmente enga\u00f1adas.<\/p>\n<p>Investigue otras alternativas de pr\u00e9stamo m\u00e1s econ\u00f3micas, como una hipoteca convencional para una segunda vivienda o una l\u00ednea de cr\u00e9dito con garant\u00eda hipotecaria. Las hipotecas inversas se consideran pr\u00e9stamos de alto costo y no son adecuadas para quienes tienen un presupuesto ajustado.<\/p>","protected":false},"excerpt":{"rendered":"<p>\u00bfQu\u00e9 es una hipoteca inversa? Es un pr\u00e9stamo sobre el valor l\u00edquido de una vivienda, disponible para mayores de 62 a\u00f1os, propietarios de su vivienda o con una hipoteca peque\u00f1a, y que ocupan la propiedad como residencia principal. Tenga cuidado con los altos costos de cierre y otros gastos. Las tasas de inter\u00e9s ajustables pueden subir dentro de [\u2026]<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[6],"tags":[],"class_list":["post-46551","post","type-post","status-publish","format-standard","hentry","category-firm-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Look Closely At Reverse Mortgages - Debra L. 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