Ventajas de alquilar
Alquilar una casa o un apartamento tiene varias ventajas distintas, entre ellas:
- Alquiler fijo
- Sin impuestos sobre la propiedad ni tarifas HOA
- Costos de seguro más bajos (sin seguro de vivienda)
- Su arrendador es responsable de todas las reparaciones y el mantenimiento
- Diversos servicios (p. ej., piscinas, gimnasios, áreas comunes, etc.)
Además, por lo general, solo estás encerrado en un contrato de año a año cuando alquilas. A diferencia de la compra de una casa, ya no estarás atado a tu propiedad en alquiler más de lo que deseas, lo que puede ser ideal para jóvenes profesionales, estudiantes universitarios o aquellos que necesitan mudarse con frecuencia.
Ventajas de ser propietario de una vivienda
Los adultos jóvenes se encuentran especialmente desgarrados entre alquilar y ser propietarios, ¿cuáles son las ventajas de comprar una casa? Hay algunos, como los siguientes:
- Los propietarios de viviendas acumulan capital con cada pago hipotecario
- Los pagos hipotecarios suelen ser más baratos que alquilar
- Libertad para modificar la propiedad según lo considere conveniente
- Más espacio para usted y su familia
- No es necesario compartir espacios de estar o paredes con vecinos
- Deducciones de impuestos disponibles
For many Americans, owning vs. renting can be a better option for building equity, meaning the value you invest in a property. Otherwise, your rental monthly payments merely go to support your landlord, which isn’t the best long-term outlook.
Consideraciones financieras para alquilar frente a ser propietario de una vivienda
Chances are your decision about whether to rent or buy is about finances and the current housing market. Here’s how to consider the costs associated with owning vs. Renting.
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Costos iniciales
Buying a home comes with greater initial costs. Even if you don’t make a traditional 20% down payment, you’ll still be responsible for closing costs and administrative fees that can make the process costly.
By comparison, renters usually only have to put down a security deposit equal to one month’s rent, and this payment is fully refundable as long as you don’t damage the property.
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Costos continuos
Some ongoing costs will be lower when you rent. For instance, many landlords perform maintenance and landscaping on the rental property. Likewise, renters don’t have to worry about real estate taxes, homeowners insurance, or other costs associated with owning a home.
On the other hand, rental payments can often be steep and unpredictable. In some cases, mortgage payments can be lower than what you would pay for monthly rent. And with fixed-rate mortgages, you won’t experience any surprise price hikes over the course of your loan.
If you’re thinking about buying a house, a mortgage calculator can help you figure out how much you can expect to pay every month compared to renting.
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Ahorros potenciales
Cuando eres joven, alquilar puede darte tiempo para construir tu cuenta de crédito y de ahorros. En ese sentido, puede proporcionar un camino hacia la estabilidad financiera, suponiendo que puede asegurar un pago de alquiler que es más bajo que una hipoteca.
On the flip side, homeowners can generally deduct property taxes and home offices in some states, and these tax benefits don’t always apply the same way to renters.
Factores de estilo de vida para alquilar frente a ser propietario
Your finances may be your primary consideration, but it’s also important to think about your current living situation.
Generally speaking, it isn’t a good idea to purchase a house if you’re planning on moving within the next five years. If your job is unstable or you’re finishing your education, renting can give you more flexibility than buying.
Others, however, may crave the stability that comes with homeownership. If you start a family, you may need more living space, a yard, or access to local amenities such as schools and playgrounds.
Impacto en las metas financieras a largo plazo
Your long-term financial decisions and goals should also influence your choice to rent vs. own. Homeownership allows you to build equity in your home. Once you’ve paid off your mortgage, you’ll own your property outright, and the value of your home will stay with you.
The same cannot be said for those who are renters. Renting may be a short-term necessity, but it won’t help you reach your long-term goals.
Productos de préstamo para compradores de vivienda por primera vez
Some renters stay put because they’re wary of high home prices, while others assume you can only buy a home after saving a full 20% for a down payment. The reality, however, is that there are many loan products that can make owning vs. renting an easy decision.
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Préstamos de la FHA
FHA loans backed by the Federal Housing Administration are designed for homeowners with substandard credit. As long as your credit score is 500 or above, you can obtain a home loan with only 10% down. And if your credit score is 580 or above, you only need 3.5% down, putting homeownership within easier reach.
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Préstamos del VA
If you or your spouse are a current or former member of the U.S. Military, you can get a loan backed by the U.S. Department of Veterans Affairs. VA loans don’t require any money down and are available even to those with below-average credit.
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Préstamos del USDA
Loans backed by the U.S. Department of Agriculture are another zero-down payment option aimed at buyers who purchase a home in a qualifying rural or suburban area. USDA loan allow low- to moderate-income households to get up to 100% financing for their primary residence.
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Préstamos convencionales
Conventional loans offer the lowest interest rates for buyers with solid credit. And even these loan programs only require a 3% down payment, making it even easier to become a proud homeowner.
