¿Cómo puedo ahorrar para comprar una casa?

By in Finanzas personales with 112 Comments

Es posible cumplir un sueño sobre todo cuando se trata de adquirir una inversión tan importante como es tener un patrimonio propio; lo primero es que debes ser organizado con tus gastos, pues animarse a comprar puede ser una montaña rusa de emociones y estrés financiero. 

Lo primero que hay que tener en cuenta es el presupuesto que tenemos, no se trata de gastar de más o endeudarte por una propiedad que no podrás pagar. Por eso lo principal es saber cuánto dinero tienes, cuánto ganas, cuáles son tus gastos fijos y de ahí puedes partir. 

Adquirir una casa puede ser todo un reto si nunca has estado en el mercado de bienes raíces, pues hay muchas ofertas y debes tener en cuánta las necesidades que tienes antes de adquirir un inmueble, por ejemplo, si quieres una casa o departamento dependiendo del espacio que necesites si deseas vivir solo o formar una familia, de esta manera puedes vislumbrar tus necesidades y saber si te conviene un departamento de una recámara, dos o una casa. 

También debes considerar si requieres espacio de estacionamiento, pues eso tiene costo aparte, y debes tomar en cuenta la zona donde quieres comprar, analizar las rutas de transporte y los servicios que hay en la zona, pues eso te facilitará la movilidad. 

Una institución financiera, suelen financiar cerca del 70% del costo de la propiedad, por lo que debes tener liquidez suficiente para un buen enganche, pues recuerda que entre más costosa es la propiedad más altas son las cuotas mensuales, por lo que debes tener claro cuánto dinero puedes destinar al mes para el pago de tu crédito. 

Hay que analizar los tipos de créditos hipotecarios que ofrecen los bancos, las tasas de interés, las modalidades de pago, los documentos necesarios y los gastos extra como trámites de escrituración y gastos notariales. 

Un consejo para calcular el  monto que puedes destinar a la mensualidad de tu bien inmueble es tomar tu salario mensual y réstale lo que gastas en servicios públicos, súper, transporte, entretenimiento y otros gastos que puedas tener. El resultado será un aproximado del valor que podrás invertir en comprar un inmueble.

¿Cómo ahorro para comprar una casa? 

Recuerda que para hacer crecer tus ahorros es necesario eliminar los gastos excesivos, por ejemplo opta por usar transporte público y no desperdicies agua, energía y gas. Las pequeñas acciones que tomes como rutina diaria harán toda la diferencia.

Te damos las recomendaciones básicas para que puedas empezar un ahorro y así destinar ese dinero a comprar una casa:

  1. No dejes de pagar tus deudas, eso marcará de manera negativa tu historial de crédito 
  2. Evita cambiar de trabajo durante el proceso de compra venta, pues eso repercute en el número de puntos Infonavit. 
  3. No hagas cambios financieros antes de la aprobación del crédito.
  4. No compres muebles antes de tener tu casa, es un error muy común, lo primero que debes tener es la casa. 
  5. Evita solicitar nuevos créditos no adquieras más deudas, pues podrías tener problemas de liquidez para enfrentarlos. 

¿TE PARECIÓ INTERESANTE LA INFORMACIÓN? Síguenos en redes sociales

Facebook
LinkedIn
Instagram

Quieres estar bien enterado, dale ME GUSTA a nuestra página de Facebook
Share This

112 Comments

  1. seotools dice:

    Its like you read my mind You appear to know a lot about this like you wrote the book in it or something I think that you could do with some pics to drive the message home a little bit but instead of that this is fantastic blog An excellent read I will certainly be back

  2. Onkets dice:

    lipitor 20mg cheap buy atorvastatin 80mg sale brand atorvastatin 20mg

  3. Hrxoop dice:

    how to get propecia without a prescription forcan medication purchase forcan pills

  4. Qxuoia dice:

    order cipro online cheap – ethambutol 600mg drug cost clavulanate

  5. Ixdasr dice:

    baycip where to buy – buy cephalexin cheap buy clavulanate no prescription

  6. Ffzday dice:

    buy generic metronidazole online – where to buy cleocin without a prescription azithromycin usa

  7. Kseqer dice:

    buy ciprofloxacin online – order trimox online
    buy erythromycin 500mg online cheap

  8. Hfnkzk dice:

    buy valacyclovir for sale – buy diltiazem cheap order acyclovir pills

  9. Xuaghr dice:

    ivermectin for people – order ciplox generic buy generic tetracycline

  10. Ckthwj dice:

    buy generic flagyl – buy cheap generic amoxicillin order generic zithromax

  11. Ybehqh dice:

    ampicillin generic amoxil sale purchase amoxicillin online

  12. Xlrpbd dice:

    order furosemide 40mg – minipress 2mg over the counter buy capoten 25 mg online cheap

  13. Eflabm dice:

    glucophage uk – purchase lamivudine for sale buy cheap lincomycin

  14. Llccnx dice:

    zidovudine where to buy – order lamivudine 100 mg pill purchase zyloprim without prescription

  15. Rnjauh dice:

    order clozapine pill – order aceon 4mg online cheap famotidine where to buy

  16. Ydupok dice:

    order seroquel pill – geodon for sale online buy eskalith generic

  17. Kforkf dice:

    anafranil canada – order doxepin 75mg online buy doxepin 25mg without prescription

  18. Ouxitr dice:

    order atarax pills – order pamelor 25 mg sale oral endep 10mg

  19. Vkslqw dice:

    buy generic augmentin 1000mg – buy generic ampicillin purchase baycip

  20. Glgulr dice:

    how to buy amoxicillin – buy erythromycin for sale ciprofloxacin online order

  21. Iyycxy dice:

    order cleocin 300mg online cheap – oral chloramphenicol buy generic chloramphenicol

  22. Hpgdwv dice:

    order zithromax for sale – floxin 400mg pill order ciprofloxacin 500 mg without prescription

  23. Tqkpac dice:

    stromectol online – ivermectin us order cefaclor online cheap

  24. Zbhljz dice:

    albuterol tablet – order fexofenadine sale theo-24 Cr 400mg canada

  25. Gabgkv dice:

    buy methylprednisolone online cheap – buy generic claritin order astelin online cheap

  26. Fztrmg dice:

    desloratadine 5mg us – zaditor brand ventolin inhalator usa

  27. Bxysqx dice:

    buy glyburide – order dapagliflozin 10mg pills dapagliflozin 10mg for sale

  28. Tsibnn dice:

    buy prandin medication – order repaglinide 1mg for sale empagliflozin 10mg without prescription

  29. Ofwfof dice:

    buy glycomet 500mg online cheap – buy cozaar pills for sale precose without prescription

  30. Azwdah dice:

    buy lamisil cheap – lamisil pill griseofulvin online buy

  31. Foaytj dice:

    order semaglutide 14 mg sale – buy desmopressin spray cost DDAVP

  32. Jsdsub dice:

    ketoconazole buy online – lotrisone order itraconazole 100mg over the counter

  33. Oejwuo dice:

    famciclovir 250mg usa – buy valcivir tablets buy valaciclovir 500mg

  34. Qvdrla dice:

    digoxin 250 mg without prescription – order trandate 100 mg pills lasix 100mg sale

  35. Evmypc dice:

    buy hydrochlorothiazide 25 mg without prescription – buy zebeta 10mg sale buy zebeta sale

  36. Xlhxaa dice:

    purchase metoprolol – order cozaar online cheap buy nifedipine online

  37. Cngwfk dice:

    order nitroglycerin pill – combipres sale valsartan 160mg drug

  38. Igwdan dice:

    crestor online orange – caduet buy newspaper caduet online legend

  39. Qbtxxh dice:

    simvastatin ministry – atorvastatin carter lipitor anxious

  40. Cgctvs dice:

    viagra professional spite – viagra professional attendant levitra oral jelly online jar

  41. Deusar dice:

    dapoxetine department – levitra with dapoxetine son cialis with dapoxetine whisper

  42. Stvxlr dice:

    cenforce dig – zenegra online calm brand viagra convey

  43. Cbqjzm dice:

    brand cialis shoulder – tadora safe penisole accustom

  44. WAKTOGEL dice:

    In this day and age, who doesn’t know what online games are, online games are very exciting games, especially in online games, there are many types of games that you can play, if you want to play this very interesting game, please visit this website https://lastmoney88.net/

  45. DORAHOKI dice:

    You must try this online game because this game is very exciting and challenging, there are lots of games that you can play so that when you play it you will never feel bored when playing it, for further information please visit this website https://cuanmelulu.com/

  46. ASENTOGEL dice:

    Enjoy the excitement of playing online games with us here, there are lots of very exciting games to play, when playing online games here you will never feel bored, if you want to play exciting online games please visit our website https://menumenang.com/

  47. 1001LIGA dice:

    With a wide selection of interesting and exciting games you can enjoy an exciting and amazing playing experience, here we have a very interesting online game site and of course it has lots of features that you can play, if you want to play please visit our website https://akunvip88.org/

  48. WAKTOGEL dice:

    Don’t hesitate to try playing online games, because online games are very exciting games to play, when you play them you will feel a very extraordinary sensation in the game, well here we have a very exciting online game site for you. play, if you want to play it please visit this website https://landingpaten.com/

  49. Tpiyuq dice:

    cialis soft tabs david – cialis super active pills haunt1 viagra oral jelly online remain

  50. Obxcwn dice:

    brand cialis pursuit – apcalis five penisole retire

  51. Jkxxct dice:

    cialis soft tabs lay – cialis super active elbow1 viagra oral jelly online preserve

  52. DORAHOKI dice:

    Thank you for the blog which contains so much interesting and very useful information. The website with the information you were looking for finally found it here. https://sweetdreamears.com/

  53. WAKTOGEL dice:

    Thank you for the blog which contains so much information. You created a very useful blog to increase your knowledge. https://waktogel.land/

  54. Mcetcp dice:

    cenforce laboratory – zenegra pills something brand viagra pills greater

  55. Dxatzy dice:

    acne medication display – acne treatment dip acne medication spoon

  56. Tmsqmn dice:

    asthma medication satisfy – asthma treatment weird inhalers for asthma statement

  57. Jfrlfq dice:

    uti antibiotics student – uti treatment magical uti medication indifferent

  58. Vlwtts dice:

    pills for treat prostatitis beautiful – prostatitis medications mount pills for treat prostatitis nothing

  59. Qprusu dice:

    valtrex online praise – valtrex pills admire valacyclovir pills equipment

  60. Pscsxm dice:

    claritin park – claritin pills suffer claritin pills intelligence

  61. Zanuqt dice:

    priligy cost – dapoxetine platform priligy people

  62. Nmiztr dice:

    claritin pills trouble – loratadine medication screw claritin pills wrist

  63. Kbnmsu dice:

    ascorbic acid rough – ascorbic acid sun ascorbic acid foreign

  64. Bqoilu dice:

    promethazine errand – promethazine grope promethazine breathless

  65. Psivfd dice:

    clarithromycin pills snort – cytotec steeple cytotec tree

  66. Uzvpzf dice:

    fludrocortisone pills force – nexium don lansoprazole anything

  67. Vssbea dice:

    order aciphex 20mg for sale – buy motilium pill purchase domperidone pills

  68. Kymbql dice:

    brand bisacodyl 5 mg – liv52 10mg for sale liv52 us

  69. Ylftia dice:

    bactrim 480mg sale – buy bactrim 960mg pill order tobra sale

  70. Feayfz dice:

    eukroma online order – generic eukroma order generic dydrogesterone 10mg

  71. Dktyxj dice:

    fulvicin medication – buy griseofulvin order gemfibrozil without prescription

  72. Dvnsck dice:

    buy dimenhydrinate generic – dramamine over the counter order generic actonel 35 mg

  73. Qnyruz dice:

    order vasotec generic – enalapril cheap buy cheap zovirax

  74. Oueqte dice:

    monograph 600mg without prescription – where to buy monograph without a prescription buy cilostazol 100mg pills

  75. Uimgah dice:

    piroxicam sale – buy piroxicam 20mg online exelon 3mg generic

  76. Kzpvxr dice:

    piracetam cheap – order nootropil 800mg sale buy sinemet 20mg

  77. Fkltpp dice:

    order generic hydroxyurea – pentoxifylline pills cheap robaxin 500mg

  78. Guqvzn dice:

    divalproex us – divalproex 500mg pill buy topamax 100mg pills

  79. Hylddp dice:

    buy disopyramide phosphate sale – how to buy disopyramide phosphate chlorpromazine 50 mg canada

  80. Qruypn dice:

    buy generic cyclophosphamide – stavudine sale trimetazidine pill

  81. Fhsxpc dice:

    purchase aldactone online cheap – buy aldactone 25mg generic cheap revia 50 mg

  82. Uwhefr dice:

    buy cyclobenzaprine online cheap – order cyclobenzaprine online enalapril 10mg uk

  83. Cubygw dice:

    buy ascorbic acid without a prescription – ciprodex ophthalmic solution drug prochlorperazine pills

  84. Kvkjgl dice:

    buy cheap durex gel – order latanoprost generic buy generic zovirax online

  85. Khhsxy dice:

    buy rogaine generic – brand proscar order finasteride 5mg pill

  86. Ctnufn dice:

    purchase arava generic – actonel order online brand cartidin

  87. Hlszfz dice:

    cost tenormin 100mg – clopidogrel medication carvedilol 25mg drug

  88. Gjogqg dice:

    purchase verapamil sale – diovan us order tenoretic online cheap

  89. Qxpasy dice:

    cheap atorvastatin pills – buy bystolic generic buy bystolic 20mg without prescription

  90. Rqsewz dice:

    order gasex online cheap – order diabecon generic cheap diabecon generic

  91. Jqwenv dice:

    purchase lasuna pill – buy diarex pills for sale cost himcolin

  92. Pydpwz dice:

    cheap norfloxacin without prescription – cheap eulexin tablets confido pills

  93. Pkjyfy dice:

    buy finax online – cheap doxazosin for sale buy alfuzosin pill

  94. Uouwmf dice:

    order speman for sale – cheap himplasia tablets cost finasteride

  95. Vytqbt dice:

    order hytrin generic – flomax medication dapoxetine for sale online

  96. Kxmtci dice:

    purchase trileptal – order synthroid pill cheap levoxyl sale

  97. Uwkhca dice:

    cost duphalac – cost betahistine how to buy betahistine

  98. Dayxay dice:

    order diclofenac 50mg without prescription – where can i buy cambia purchase aspirin generic

  99. Hdumtf dice:

    brand baclofen 10mg – purchase feldene generic piroxicam 20mg over the counter

  100. Niqsqy dice:

    buy isotretinoin 40mg pills – purchase absorica pill buy deltasone 20mg without prescription

  101. Hdpjce dice:

    betamethasone uk – differin online monobenzone price

  102. Talwic dice:

    purchase cleocin online – buy cleocin 150mg pills cost indocin

  103. Xxggmw dice:

    order fosamax generic – buy fosamax 35mg generic buy provera 5mg generic

  104. Gjfnvx dice:

    norethindrone 5mg sale – buy lumigan tablets buy yasmin tablets

  105. Xhqbwo dice:

    cost cabergoline 0.5mg – order generic cabergoline 0.5mg alesse online buy

  106. Yfrkcw dice:

    гѓ—гѓ¬гѓ‰гѓ‹гѓі еЂ‹дєєијёе…Ґ гЃЉгЃ™гЃ™г‚Ѓ – г‚ўгѓўг‚­г‚·г‚·гѓЄгѓійЊ  500mg еј·гЃ• г‚ёг‚№гѓ­гѓћгѓѓг‚Ї жµ·е¤–йЂљиІ©

  107. Xmanmh dice:

    正規品バイアグラ錠の正しい処方 – г‚їгѓЂгѓ©гѓ•г‚Јгѓ« е‰ЇдЅњз”Ё г‚·г‚ўгѓЄг‚№ еЂ¤ж®µ

  108. Lghvaj dice:

    гѓ—гѓ¬гѓ‰гѓ‹гѓійЊ  40 mg еј·гЃ• – гѓ—гѓ¬гѓ‰гѓ‹гѓійЂљиІ©гЃ§иІ·гЃ€гЃѕгЃ™гЃ‹ イソトレチノインの飲み方と効果

Deja un comentario

Tu dirección de correo electrónico no será publicada. Los campos obligatorios están marcados con *