¿Qué es el crédito hipotecario?

Un crédito hipotecario es aquel que se adquiere con un banco para la adquisición exclusiva de un terreno o casa, es un préstamo al cual se le agregan intereses acordados durante el trámite y que debe ser pagado mensualmente.

Normalmente un banco puede otorgar hasta el 90% del costo total de la vivienda, mientras que el otro 10% se toma como enganche por parte del banco. Al ser una suma de dinero considerable, el banco requiere una forma en la cual pueda recuperar su dinero en caso que el beneficiario no cumpla con sus pagos, es por esto que la vivienda o terreno que se va adquirir, quedará hipotecada con el banco y este podrá hacer uso de la hipoteca en caso que no se cumplan con los pagos.

No todos los términos de un crédito hipotecario son similares entre sí. Existen créditos destinados a diferentes personas en particular y a plazos o intereses diferentes, por lo que antes de adquirir un crédito, siempre es necesario consultarlo con algún experto, el cual podrá ayudarnos a elegir el crédito que más nos convenga.

 

 

14 thoughts on “¿Qué es el crédito hipotecario?”

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