{"id":54026,"date":"2011-10-13T23:08:41","date_gmt":"2011-10-13T23:08:41","guid":{"rendered":"http:\/\/casaenmiamionline.com\/2011\/10\/13\/tin-marin-de-dos-pirigue-eenie-meenie-miney-moe\/"},"modified":"2019-04-23T20:51:30","modified_gmt":"2019-04-23T20:51:30","slug":"tin-marin-de-dos-pirigue-eenie-meenie-miney-moe","status":"publish","type":"post","link":"https:\/\/ewmrealestate.com\/blog\/tin-marin-de-dos-pirigue-eenie-meenie-miney-moe\/","title":{"rendered":"Tin Mar\u00edn de Dos Pirigu\u00e9 (Eenie meenie miney moe)"},"content":{"rendered":"
\n
\"Logo<\/a>

Image via Wikipedia<\/p><\/div>\n<\/div>\n

30% de las hipotecas son negadas<\/h3>\n

Uno de cada dos refinanciamientos hipotecarios son negados y a uno de cada tres compradores \u00f3\u00a0les es rechazada la aplicaci\u00f3n para un pr\u00e9stamo inmobiliario \u00f3 abandonan la b\u00fasqueda de financiamiento.<\/p>\n

As\u00ed lo sostiene la Asociaci\u00f3n Nacional de Corretaje de Hipotecas\u00a0(Mortgage Bankers Association<\/a>)\u00a0, cuyo representante, Michael Fratantoni atribuye el fen\u00f3meno al factor del historial\u00a0crediticio ya que son tantas y tantas las personas que han visto disminuir su \u00edndice de credito en a\u00f1os recientes.<\/p>\n

Seg\u00fan el gobierno son dos millones<\/strong><\/p>\n

De acuerdo al ente p\u00fablico “Federal Financial Institutions Examination Council<\/a>” la cifra de las personas a quienes les fu\u00e9 negado un pr\u00e9stamo\u00a0 el a\u00f1o pasado excede los dos millones .\u00a0 En \u00e9ste caso,\u00a0 la instituci\u00f3n deja recaer el peso del problema en el hecho de que las aplicaciones com\u00fanmente est\u00e1n incompletas o presentan alg\u00fan tipo de problema no especificado.<\/p>\n

Las 6 razones para negar una hipoteca<\/h3>\n

i) El ingreso de los compradores no es suficiente<\/p>\n

ii) D\u00e9bil estado consolidado\u00a0de ganancias y p\u00e9rdidas<\/p>\n

iii) Mal cr\u00e9dito: aqu\u00ed se refieren al n\u00famero, el \u00edndice de tres d\u00edgitos que en Estados Unidos se emplea para evaluar la “salud” o “temperatura” del estado financiero de una persona o corporaci\u00f3n.<\/p>\n

iv) El aval\u00fao “vino” muy bajo. Lamentablemente est\u00e1 sucediendo con cierta frecuencia que los tasadores enviados por el banco no conocen las zonas y usan comparables que no se parecen a la propiedad en cuesti\u00f3n como instrumentos de referencia con el resultado de un estimado del valor de la propiedad que se coloca por debajo del precio de compraventa acordado ya por todas las partes.<\/p>\n

v) La propiedad necesita demasiadas reparaciones.<\/p>\n

vi) Todo est\u00e1 en el detalle: tecnicalidades, burocracia, redundancia, etc. Ll\u00e1melo como\u00a0lo llame es una\u00a0de las causas de que\u00a0sean negados tantas hipotecas en los Estados Unidos y en Florida. Se habla de hasta un doce por ciento la cifra de las aplicaciones\u00a0rechazadas por \u00e9sta raz\u00f3n.<\/p>\n

En vista de lo aqu\u00ed expuesto, sobran las razones para contratar un agente inmobiliario profesional a la hora de comprar \u00f3 vender su propiedad. \u00bfQui\u00e9n va a negociar por usted cuando el aval\u00fao\u00a0 venga por un precio irrisorio? \u00bfO cuando el t\u00e9cnico inspector de propiedades no consiga el pozo s\u00e9ptico?\u00a0 Ni hablar de tratar con el banco en la compra de un “foreclosure”…<\/em><\/p>\n

H\u00e1ga su vida m\u00e1s f\u00e1cil y llame a nuestro experto Realtor\u00a0al 786-264-2344.<\/em><\/p>\n

\"Enhanced<\/a><\/div>\n","protected":false},"excerpt":{"rendered":"

30% de las hipotecas son negadas Uno de cada dos refinanciamientos hipotecarios son negados y a uno de cada tres compradores \u00f3\u00a0les es rechazada la aplicaci\u00f3n para un pr\u00e9stamo inmobiliario \u00f3 abandonan la b\u00fasqueda de financiamiento. As\u00ed lo sostiene la Asociaci\u00f3n Nacional de Corretaje de Hipotecas\u00a0(Mortgage Bankers Association)\u00a0, cuyo representante, Michael Fratantoni atribuye el fen\u00f3meno<\/p>\n

Read More<\/a><\/p>\n","protected":false},"author":1,"featured_media":130092,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_expiration-date-status":"","_expiration-date":0,"_expiration-date-type":"","_expiration-date-categories":[],"_expiration-date-options":[]},"categories":[11767],"tags":[],"yoast_head":"\nTin Mar\u00edn de Dos Pirigu\u00e9 (Eenie meenie miney moe) - BHHS EWM Realty<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ewmrealestate.com\/blog\/tin-marin-de-dos-pirigue-eenie-meenie-miney-moe\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Tin Mar\u00edn de Dos Pirigu\u00e9 (Eenie meenie miney moe) - BHHS EWM Realty\" \/>\n<meta property=\"og:description\" content=\"30% de las hipotecas son negadas Uno de cada dos refinanciamientos hipotecarios son negados y a uno de cada tres compradores \u00f3\u00a0les es rechazada la aplicaci\u00f3n para un pr\u00e9stamo inmobiliario \u00f3 abandonan la b\u00fasqueda de financiamiento. As\u00ed lo sostiene la Asociaci\u00f3n Nacional de Corretaje de Hipotecas\u00a0(Mortgage Bankers Association)\u00a0, cuyo representante, Michael Fratantoni atribuye el fen\u00f3menoRead More\" \/>\n<meta property=\"og:url\" content=\"https:\/\/ewmrealestate.com\/blog\/tin-marin-de-dos-pirigue-eenie-meenie-miney-moe\/\" \/>\n<meta property=\"og:site_name\" content=\"BHHS EWM Realty\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/EWMRealtyInternational\" \/>\n<meta property=\"article:published_time\" content=\"2011-10-13T23:08:41+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2019-04-23T20:51:30+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/ewmrealestate.com\/blog\/wp-content\/uploads\/2019\/06\/BHHS-On-Solid-Background.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"376\" \/>\n\t<meta property=\"og:image:height\" content=\"376\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Admin\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/ewmrealestate.com\/blog\/tin-marin-de-dos-pirigue-eenie-meenie-miney-moe\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/ewmrealestate.com\/blog\/tin-marin-de-dos-pirigue-eenie-meenie-miney-moe\/\"},\"author\":{\"name\":\"Admin\",\"@id\":\"https:\/\/ewmrealestate.com\/blog\/#\/schema\/person\/c02e56ee015dc7d104143c38d8028970\"},\"headline\":\"Tin Mar\u00edn de Dos Pirigu\u00e9 (Eenie meenie miney moe)\",\"datePublished\":\"2011-10-13T23:08:41+00:00\",\"dateModified\":\"2019-04-23T20:51:30+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/ewmrealestate.com\/blog\/tin-marin-de-dos-pirigue-eenie-meenie-miney-moe\/\"},\"wordCount\":445,\"publisher\":{\"@id\":\"https:\/\/ewmrealestate.com\/blog\/#organization\"},\"articleSection\":[\"EWM News\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/ewmrealestate.com\/blog\/tin-marin-de-dos-pirigue-eenie-meenie-miney-moe\/\",\"url\":\"https:\/\/ewmrealestate.com\/blog\/tin-marin-de-dos-pirigue-eenie-meenie-miney-moe\/\",\"name\":\"Tin Mar\u00edn de Dos Pirigu\u00e9 (Eenie meenie miney moe) - 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