Los Gastos de Originacion y Descuento

Published 28 August 10 09:40 PM | Maria A. Bosque 

Los gastos de originación están relacionados con el ingreso que recibe el banco por llevar a cabo la transacción hipotecaria.

Los gastos de descuento hipotecario o “puntos” se usan para ajustar el rendimiento derivado del préstamo, dependiendo de las condiciones del mercado. Cada punto equivale al 1% del monto de la hipoteca.

Si la tasa de interés es alta, a veces le permite al banco no cobrar cuota por originarlo ni descuento para cerrarlo. Si la tasa de interés es baja, los gastos de originación y descuento pueden ser altos.

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