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{"id":19133,"date":"2021-10-04T13:49:34","date_gmt":"2021-10-04T13:49:34","guid":{"rendered":"http:\/\/staging.cheapestcasas.com\/?p=19133"},"modified":"2021-11-29T18:27:39","modified_gmt":"2021-11-29T18:27:39","slug":"renuncia-a-la-tasacion","status":"publish","type":"post","link":"https:\/\/cheapestcasas.com\/renuncia-a-la-tasacion\/","title":{"rendered":"La renuncia a la tasaci\u00f3n: Lo que deben saber los compradores de viviendas"},"content":{"rendered":"

La tasaci\u00f3n de la vivienda es un paso importante a la hora de comprarla. Es una forma de asegurarse de que no est\u00e1 pagando m\u00e1s por una casa de lo que vale.<\/p>\n

La desventaja de una tasaci\u00f3n es que las opciones en persona que la realizan no son baratas, y los compradores son quienes las pagan.<\/p>\n

Una tasaci\u00f3n en persona tambi\u00e9n puede ralentizar la venta de una vivienda, especialmente si el tasador determina que una casa vale menos de lo que los compradores han acordado pagar por ella.<\/p>\n

Por ello, algunos compradores pueden pedir una exenci\u00f3n de tasaci\u00f3n, lo que les permite comprar una casa sin que la inspeccione un tasador. Esto le ahorrar\u00e1 dinero, pero \u00bfes una decisi\u00f3n inteligente? Depende de lo preocupado que est\u00e9 por pagar de m\u00e1s por su nueva casa.<\/p>\n

\u00bfQu\u00e9 es una tasaci\u00f3n?<\/h2>\n

El proceso de tasaci\u00f3n comienza despu\u00e9s de que un comprador y un vendedor acuerden un precio de venta y el vendedor acepte la oferta del comprador. Cuando esto ocurre, la entidad crediticia de los compradores env\u00eda a un tasador externo para que determine el valor de la vivienda que est\u00e1n comprando sus clientes.<\/p>\n

El tasador recorrer\u00e1 la propiedad, examinar\u00e1 el interior y el exterior de la casa y estudiar\u00e1 los precios que han obtenido casas similares cercanas cuando se han vendido.<\/p>\n

Utilizar\u00e1 esta informaci\u00f3n para determinar el valor de mercado actual de la vivienda.<\/p>\n

Los prestamistas toman esta medida para asegurarse de que sus compradores no pagan de m\u00e1s por las viviendas.<\/mark><\/p>\n

Los prestamistas no prestar\u00e1n a los compradores m\u00e1s dinero del que vale la vivienda.<\/p>\n

Supongamos que el comprador y el vendedor acuerdan un precio de venta de 200.000 d\u00f3lares para una casa, y el comprador aporta 10.000 d\u00f3lares para el pago inicial. El comprador tiene que pedir un pr\u00e9stamo hipotecario por los 190.000 d\u00f3lares restantes.<\/p>\n

Si el tasador determina que la casa vale 200.000 d\u00f3lares, todo est\u00e1 bien y la venta de la casa puede seguir adelante.<\/p>\n

Pero si el tasador determina que la casa vale 170.000 d\u00f3lares, puede haber problemas: El prestamista de los compradores no les prestar\u00e1 m\u00e1s de esa cifra.<\/p>\n

Los compradores pueden seguir comprando la casa.<\/p><\/blockquote>\n

Pero es posible que el vendedor tenga que rebajar el precio de venta.<\/p>\n

Si el vendedor no est\u00e1 dispuesto a hacerlo, los compradores tendr\u00e1n que llevar dinero en efectivo a la mesa de cierre para cubrir la diferencia entre el valor de tasaci\u00f3n de la casa y su precio de venta final.<\/p>\n

Sin embargo, una tasaci\u00f3n alerta a los compradores si pueden estar pagando de m\u00e1s por una casa.<\/p>\n

\u00bfQu\u00e9 es una renuncia a la tasaci\u00f3n?<\/h2>\n

Una exenci\u00f3n de tasaci\u00f3n acorta el proceso de tasaci\u00f3n. Los compradores que re\u00fanen los requisitos para una exenci\u00f3n pueden omitir la visita del tasador en persona.<\/p>\n

En su lugar, los prestamistas utilizar\u00e1n los datos proporcionados por un sistema de suscripci\u00f3n automatizado para determinar el valor de la vivienda que se vende. Esto incluir\u00e1 los precios de las ventas de casas cercanas y cualquier dato de ventas anteriores de la casa que el comprador est\u00e1 comprando.<\/p>\n

Esto ahorrar\u00e1 a los compradores tanto el coste de pagar una tasaci\u00f3n como el tiempo que supone programar una tasaci\u00f3n en persona.<\/p>\n

El problema es que no todos los compradores ni todas las viviendas pueden optar a una exenci\u00f3n de tasaci\u00f3n.<\/p>\n

Y los prestamistas no est\u00e1n obligados a concederla a sus compradores.<\/p>\n

Una de las razones por las que se puede denegar una exenci\u00f3n de tasaci\u00f3n es si el prestamista tiene alguna raz\u00f3n para creer que es necesaria una tasaci\u00f3n en persona.<\/p>\n

Eso da a los prestamistas una amplia discreci\u00f3n para determinar qui\u00e9n puede optar a una exenci\u00f3n de tasaci\u00f3n y qui\u00e9n no.<\/p>\n

La renuncia a la tasaci\u00f3n permite a los compradores de viviendas cualificados saltarse el proceso de tasaci\u00f3n en persona al comprar una casa. En su lugar, los prestamistas utilizan los datos generados por un sistema de suscripci\u00f3n automatizado para determinar el valor de la vivienda bas\u00e1ndose en la informaci\u00f3n que ha recopilado de otras ventas recientes de viviendas en la zona del comprador.<\/p>\n

\u00bfPor qu\u00e9 un prestamista renuncia a una tasaci\u00f3n?<\/h2>\n

Los prestamistas conf\u00edan en las tasaciones en persona para protegerse: Quieren asegurarse de que no prestan m\u00e1s dinero del que vale la vivienda.<\/p>\n

Si prestan demasiado dinero, podr\u00edan enfrentarse a una p\u00e9rdida financiera mayor si los compradores no pagan sus pr\u00e9stamos.<\/p>\n

\"Renunciar<\/a><\/p>\n

Cuando los compradores dejan de pagar sus hipotecas, los prestamistas pueden hacerse con la propiedad de sus casas mediante el proceso de ejecuci\u00f3n hipotecaria. A continuaci\u00f3n, pueden vender las viviendas para recuperar sus p\u00e9rdidas.<\/p>\n

Esto es m\u00e1s dif\u00edcil si los prestamistas prestan m\u00e1s dinero del que vale la vivienda.<\/mark><\/p>\n

Digamos que prestaron a los compradores 200.000 d\u00f3lares para comprar una casa que s\u00f3lo vale 180.000 d\u00f3lares. Si esos compradores dejan de pagar la hipoteca cuando todav\u00eda deben 190.000 d\u00f3lares por la casa, y \u00e9sta sigue valiendo 180.000 d\u00f3lares, el prestamista tendr\u00e1 dificultades para vender la casa por m\u00e1s de lo que los prestatarios deben.<\/p>\n

Lo m\u00e1s probable es que el prestamista sufra una p\u00e9rdida de unos 10.000 d\u00f3lares en la venta.<\/p>\n

\u00bfPor qu\u00e9 iba a aceptar un prestamista una renuncia a la tasaci\u00f3n?<\/h2>\n

La tasaci\u00f3n no es necesaria.<\/h3>\n

A veces los prestamistas determinan que no es necesaria una tasaci\u00f3n en persona. Esto puede ocurrir cuando una vivienda se ha tasado recientemente.<\/p>\n

Digamos que los compradores compraron una casa el a\u00f1o pasado pero necesitan venderla hoy. Los prestamistas podr\u00edan renunciar a una nueva tasaci\u00f3n en persona porque el valor de mercado de la vivienda se calcul\u00f3 hace muy poco.<\/p>\n

Para aumentar la eficiencia.<\/h3>\n

Prescindir de una tasaci\u00f3n en persona puede hacer que el proceso de suscripci\u00f3n sea m\u00e1s eficiente tanto para los prestatarios como para el prestamista.<\/p>\n

Durante el proceso de suscripci\u00f3n, los prestamistas verifican que los prestatarios puedan afrontar los nuevos pagos mensuales de la hipoteca, comprueban sus informes crediticios, estudian sus puntuaciones de cr\u00e9dito de tres d\u00edgitos y se aseguran de que no est\u00e1n pagando de m\u00e1s por su nueva vivienda.<\/p>\n

Este proceso puede durar desde varios d\u00edas hasta varias semanas.<\/mark><\/p>\n

Eliminar una tasaci\u00f3n en persona cuando no es necesaria puede acelerar este proceso y llevar el pr\u00e9stamo a la fase de cierre, con sus costes<\/a>, en menos tiempo.<\/p>\n

C\u00f3mo obtener una exenci\u00f3n de tasaci\u00f3n.<\/h3>\n

No todos los compradores de viviendas o propiedades tienen derecho a una exenci\u00f3n de tasaci\u00f3n.<\/p>\n