{"id":1413,"date":"2023-08-06T17:19:40","date_gmt":"2023-08-06T15:19:40","guid":{"rendered":"https:\/\/regbu.com\/?p=1413"},"modified":"2025-09-05T07:40:26","modified_gmt":"2025-09-05T05:40:26","slug":"americka-hypoteka-se-od-klasicke-lisi","status":"publish","type":"post","link":"https:\/\/regbu.com\/es\/hipotheque-americana-clasica-lissa\/","title":{"rendered":"La hipoteca americana difiere de la hipoteca convencional"},"content":{"rendered":"<p>Una hipoteca estadounidense es un producto financiero que debe tener en cuenta <strong><a href=\"https:\/\/regbu.com\/es\/tipos-de-interes-que-debe-conocer\/\">tipos de inter\u00e9s<\/a><\/strong> y muchas otras cosas. Es un poco diferente de la hipoteca a la que est\u00e1s acostumbrado. Sin embargo, tiene muchos seguidores en la Rep\u00fablica Checa y en todo el mundo y se utiliza mucho. Si quieres conocerla en detalle, lee las siguientes l\u00edneas.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pr\u00e9stamo hipotecario<\/li>\n\n\n\n<li>Conocido en Estados Unidos como pr\u00e9stamo con garant\u00eda hipotecaria<\/li>\n\n\n\n<li>Pr\u00e9stamo sin finalidad espec\u00edfica<\/li>\n<\/ul>\n\n\n\n<p>La menci\u00f3n de la no finalidad del pr\u00e9stamo hipotecario es lo que pone de manifiesto la principal diferencia entre una hipoteca convencional y una americana. En pocas palabras, este tipo de pr\u00e9stamo puede <strong>util\u00edcelo b\u00e1sicamente para cualquier cosa<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00bfC\u00f3mo funciona una hipoteca americana?<\/h2>\n\n\n\n<p>Ahora ya sabes que una hipoteca americana no es s\u00f3lo para financiar tu propia casa, como una hipoteca convencional. <em>Sin embargo, no se trata de un pr\u00e9stamo al consumo tradicional<\/em>Desde luego que no. Las hipotecas americanas tienen diferentes condiciones de pr\u00e9stamo. Tambi\u00e9n hay una obligaci\u00f3n, como con una hipoteca. Por el dinero prestado, usted garantiza una propiedad de valor equivalente.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Preguntas y respuestas frecuentes<\/h3>\n\n\n\n<p>A partir de esta breve descripci\u00f3n, puede hacerse una idea aproximada de las ventajas e inconvenientes de este producto hipotecario. Entre las ventajas cabe citar la relativamente <strong>largo periodo de maduraci\u00f3n<\/strong> cumplir veinte a\u00f1os. Cuando pides m\u00e1s dinero prestado, tienes la opci\u00f3n de repartir las cuotas en m\u00e1s meses para reducir el valor del pr\u00e9stamo. Puedes consultar otras ventajas e inconvenientes en las preguntas y respuestas.<\/p>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1691421437230\"><strong class=\"schema-faq-question\">\u00bfCu\u00e1nto dinero puedo pedir prestado con una hipoteca americana?<\/strong> <p class=\"schema-faq-answer\">Por supuesto, esto depende de su solvencia. Al mismo tiempo, le proporciona una oferta de un m\u00e1ximo de 70 % del valor de la propiedad hipotecada.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1691421445357\"><strong class=\"schema-faq-question\">\u00bfQui\u00e9n es el proveedor de esta hipoteca?<\/strong> <p class=\"schema-faq-answer\">No se trata s\u00f3lo de bancos, sino tambi\u00e9n de empresas no bancarias.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1691421451658\"><strong class=\"schema-faq-question\">\u00bfQu\u00e9 otras ventajas tiene una hipoteca americana?<\/strong> <p class=\"schema-faq-answer\">Se trata de un tipo de inter\u00e9s m\u00e1s bajo en comparaci\u00f3n con un pr\u00e9stamo al consumo y la posibilidad de reembolso anticipado sin penalizaci\u00f3n.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1691421458455\"><strong class=\"schema-faq-question\">\u00bfExiste alg\u00fan inconveniente en esta hipoteca?<\/strong> <p class=\"schema-faq-answer\">Debido a su car\u00e1cter no lucrativo, ofrece un tipo de inter\u00e9s ligeramente superior al de una hipoteca convencional. El importe m\u00e1ximo tambi\u00e9n es limitado.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1691421465095\"><strong class=\"schema-faq-question\">\u00bfEs posible vender la propiedad hipotecada?<\/strong> <p class=\"schema-faq-answer\">S\u00ed, pero el dinero se destinar\u00e1 a saldar la deuda pendiente. Suele haber comisiones de penalizaci\u00f3n asociadas a esta acci\u00f3n.<\/p> <\/div> <\/div>","protected":false},"excerpt":{"rendered":"<p>Una hipoteca estadounidense es un producto financiero en el que hay que estar atento a los tipos de inter\u00e9s y a otras cosas. Es un poco diferente de la hipoteca a la que est\u00e1 acostumbrado. Sin embargo, tiene muchos seguidores en la Rep\u00fablica Checa y en todo el mundo y se utiliza mucho. Si quieres conocerla en detalle, lee las siguientes l\u00edneas. ... <\/p>","protected":false},"author":2,"featured_media":1414,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[1125,326,625,1726,165,331,650,1728,1727,627,157],"class_list":["post-1413","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-americka-hypoteka","tag-finance","tag-hypoteka","tag-klasicka-hypoteka","tag-nevyhody","tag-penize","tag-pujcka","tag-rpsn","tag-urok","tag-uver","tag-vyhody"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Americk\u00e1 hypot\u00e9ka se od klasick\u00e9 li\u0161\u00ed - REGBU.COM<\/title>\n<meta name=\"description\" content=\"V\u00edte, co si p\u0159edstavit pod pojmem americk\u00e1 hypot\u00e9ka? 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No es lo mismo que una hipoteca convencional de un banco.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/regbu.com\/es\/hipotheque-americana-clasica-lissa\/","og_locale":"es_ES","og_type":"article","og_title":"Americk\u00e1 hypot\u00e9ka se od klasick\u00e9 li\u0161\u00ed - REGBU.COM","og_description":"V\u00edte, co si p\u0159edstavit pod pojmem americk\u00e1 hypot\u00e9ka? 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No es lo mismo que una hipoteca convencional de un banco.","breadcrumb":{"@id":"https:\/\/regbu.com\/es\/hipotheque-americana-clasica-lissa\/#breadcrumb"},"mainEntity":[{"@id":"https:\/\/regbu.com\/es\/hipotheque-americana-clasica-lissa\/#faq-question-1691421437230"},{"@id":"https:\/\/regbu.com\/es\/hipotheque-americana-clasica-lissa\/#faq-question-1691421445357"},{"@id":"https:\/\/regbu.com\/es\/hipotheque-americana-clasica-lissa\/#faq-question-1691421451658"},{"@id":"https:\/\/regbu.com\/es\/hipotheque-americana-clasica-lissa\/#faq-question-1691421458455"},{"@id":"https:\/\/regbu.com\/es\/hipotheque-americana-clasica-lissa\/#faq-question-1691421465095"}],"inLanguage":"es","potentialAction":[{"@type":"ReadAction","target":["https:\/\/regbu.com\/es\/hipotheque-americana-clasica-lissa\/"]}]},{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/regbu.com\/es\/hipotheque-americana-clasica-lissa\/#primaryimage","url":"https:\/\/regbu.com\/wp-content\/uploads\/2023\/08\/americka-hypotka-se-od-klasicke-lisi.jpg","contentUrl":"https:\/\/regbu.com\/wp-content\/uploads\/2023\/08\/americka-hypotka-se-od-klasicke-lisi.jpg","width":1200,"height":676,"caption":"Americk\u00e1 hypot\u00e9ka se od klasick\u00e9 li\u0161\u00ed"},{"@type":"BreadcrumbList","@id":"https:\/\/regbu.com\/es\/hipotheque-americana-clasica-lissa\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/regbu.com\/en\/"},{"@type":"ListItem","position":2,"name":"Americk\u00e1 hypot\u00e9ka se od klasick\u00e9 li\u0161\u00ed"}]},{"@type":"WebSite","@id":"https:\/\/regbu.com\/en\/#website","url":"https:\/\/regbu.com\/en\/","name":"REGBU.COM","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/regbu.com\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"es"},{"@type":"Person","@id":"https:\/\/regbu.com\/en\/#\/schema\/person\/94ea9deda2629771b8a9ced002f6784e","name":"George Martin","url":"https:\/\/regbu.com\/es\/author\/george-martin\/"},{"@type":"Question","@id":"https:\/\/regbu.com\/es\/hipotheque-americana-clasica-lissa\/#faq-question-1691421437230","position":1,"url":"https:\/\/regbu.com\/es\/hipotheque-americana-clasica-lissa\/#faq-question-1691421437230","name":"\u00bfCu\u00e1nto dinero puedo pedir prestado con una hipoteca americana?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"To se samoz\u0159ejm\u011b odv\u00edj\u00ed od Va\u0161\u00ed bonity. Z\u00e1rove\u0148 V\u00e1m poskytoval nab\u00eddce maxim\u00e1ln\u011b 70 % hodnoty zastaven\u00e9 nemovitosti.","inLanguage":"es"},"inLanguage":"es"},{"@type":"Question","@id":"https:\/\/regbu.com\/es\/hipotheque-americana-clasica-lissa\/#faq-question-1691421445357","position":2,"url":"https:\/\/regbu.com\/es\/hipotheque-americana-clasica-lissa\/#faq-question-1691421445357","name":"\u00bfQui\u00e9n es el proveedor de esta hipoteca?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Jsou to nejenom banky, ale i nebankovn\u00ed spole\u010dnosti.","inLanguage":"es"},"inLanguage":"es"},{"@type":"Question","@id":"https:\/\/regbu.com\/es\/hipotheque-americana-clasica-lissa\/#faq-question-1691421451658","position":3,"url":"https:\/\/regbu.com\/es\/hipotheque-americana-clasica-lissa\/#faq-question-1691421451658","name":"\u00bfQu\u00e9 otras ventajas tiene una hipoteca americana?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Je to ni\u017e\u0161\u00ed \u00farok oproti spot\u0159ebitelsk\u00e9mu \u00fav\u011bru a mo\u017enost p\u0159ed\u010dasn\u00e9ho splacen\u00ed bez sankc\u00ed.","inLanguage":"es"},"inLanguage":"es"},{"@type":"Question","@id":"https:\/\/regbu.com\/es\/hipotheque-americana-clasica-lissa\/#faq-question-1691421458455","position":4,"url":"https:\/\/regbu.com\/es\/hipotheque-americana-clasica-lissa\/#faq-question-1691421458455","name":"\u00bfExiste alg\u00fan inconveniente en esta hipoteca?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"D\u00edky ne\u00fa\u010delov\u00e9mu charakteru nab\u00edz\u00ed trochu vy\u0161\u0161\u00ed \u00farok oproti klasick\u00e9 hypot\u00e9ce. Omezena je tak\u00e9 jej\u00ed maxim\u00e1ln\u00ed v\u00fd\u0161e.","inLanguage":"es"},"inLanguage":"es"},{"@type":"Question","@id":"https:\/\/regbu.com\/es\/hipotheque-americana-clasica-lissa\/#faq-question-1691421465095","position":5,"url":"https:\/\/regbu.com\/es\/hipotheque-americana-clasica-lissa\/#faq-question-1691421465095","name":"\u00bfEs posible vender la propiedad hipotecada?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Ano, ale pen\u00edze p\u016fjdou na \u00fahradu dlu\u017en\u00e9ho z\u00e1vazku. S t\u00edmto \u00fakonem se mnohdy poj\u00ed sank\u010dn\u00ed poplatky.","inLanguage":"es"},"inLanguage":"es"}]}},"_links":{"self":[{"href":"https:\/\/regbu.com\/es\/wp-json\/wp\/v2\/posts\/1413","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/regbu.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/regbu.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/regbu.com\/es\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/regbu.com\/es\/wp-json\/wp\/v2\/comments?post=1413"}],"version-history":[{"count":2,"href":"https:\/\/regbu.com\/es\/wp-json\/wp\/v2\/posts\/1413\/revisions"}],"predecessor-version":[{"id":1439,"href":"https:\/\/regbu.com\/es\/wp-json\/wp\/v2\/posts\/1413\/revisions\/1439"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/regbu.com\/es\/wp-json\/wp\/v2\/media\/1414"}],"wp:attachment":[{"href":"https:\/\/regbu.com\/es\/wp-json\/wp\/v2\/media?parent=1413"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/regbu.com\/es\/wp-json\/wp\/v2\/categories?post=1413"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/regbu.com\/es\/wp-json\/wp\/v2\/tags?post=1413"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}