- Investiga detalladamente la casa que estás por adquirir
En el caso de una vivienda de segunda mano, es esencial solicitar el título de propiedad y confirmar que la propiedad no tenga deudas pendientes ni esté comprometida en otro tipo de crédito. Para hacer esto, puedes dirigirte al Registro Público de la Propiedad y obtener un documento que indique la situación legal de la casa ante esa entidad.
También es recomendable visitar la propiedad en compañía de un experto inmobiliario que pueda ayudarte a evaluar qué modificaciones podrían ser necesarias.
- Verifica si cuentas con el financiamiento necesario
Antes de elegir un crédito hipotecario, es fundamental conocer el valor de la vivienda que deseas comprar.
Compara las características de los créditos hipotecarios de tasa fija y tasa creciente. Obtén información detallada sobre tus opciones antes de comprometerte con un crédito.
Recuerda que el costo de un crédito no se limita solo a los intereses; es crucial calcular otros gastos asociados al valor de la casa. En lugar de solo la tasa de interés, evalúa el Costo Anual Total (CAT), un indicador anual porcentual que considera diversos costos adicionales.
- Calcula el enganche y otros gastos iniciales
Optimiza el uso del enganche destinando más ahorros, lo que disminuirá el financiamiento y las cuotas mensuales.
El enganche no es el único desembolso inicial; también debes considerar otros gastos como el avalúo y los costos notariales, entre otros. Ten presente que no todos los estados o municipios requieren un avalúo comercial, y el avalúo bancario se utiliza solo para la aprobación del crédito.
Nunca realices un pago inicial o depósito sin un contrato formalizando la operación.
- No descuides al notario y los costos de escrituración
El notario redactará una escritura que certificará tu propiedad sobre la vivienda y la hipoteca a favor del banco por el crédito concedido. El notario debe verificar que la persona que te vende sea el legítimo propietario y que la propiedad esté regularizada, entre otros aspectos.
La escritura, un documento elaborado y autorizado por el notario, incluye el certificado de gravamen y las constancias de no adeudos, siendo estos los principales costos notariales junto con sus honorarios e IVA.
Finalmente, al comprar una casa, como comprador tendrás dos pagos obligatorios: el impuesto de adquisición de inmuebles, un porcentaje del valor de la casa, y los derechos de inscripción en el Registro Público de la Propiedad. Algunos esquemas de cofinanciamiento con INFONAVIT o FOVISSSTE podrían cubrir parte de estos gastos. Es importante recordar que, en ciertos casos, podría generarse el Impuesto Sobre la Renta por Adquisición.
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