Question

lección: introducción a las hipotecas
nombre:
antes de empezar...\t\t\tverdadero / falso sobre las hipotecas
lee cada afirmación y decide si es verdadero (v) o falso (f). luego, discútelo con la clase.
_______ 1. una hipoteca es lo mismo que una tarjeta de crédito.
_______2. la mayoría de las personas necesitan dar un pago inicial para obtener una hipoteca.
_______3. una persona que no es ciudadana de los estados unidos puede comprar una casa con una hipoteca.
_______4. los pagos mensuales de una hipoteca siempre son exactamente iguales durante toda la vida del préstamo.
_______5. el puntaje de crédito es uno de los factores que los bancos usan para aprobar una hipoteca.
_______6. una cuenta de \escrow\ (cuenta de depósito en garantía) puede usarse para pagar impuestos de propiedad y seguro de la casa.
_______7. todas las hipotecas requieren un pago inicial del 20%.
_______8. las tasas de interés de las hipotecas funcionan igual que las de las tarjetas de crédito.
_______9. si una persona no paga su hipoteca, el banco puede quitarle la casa (ejecución hipotecaria).
_______10. obtener una preaprobación para una hipoteca puede ayudar antes de buscar casa.
vocabulario clave para mejor comprender: busca la definición de cada término y escríbela con tus propias palabras.

1. hipoteca:
2. pago inicial:
3. tasa de interés:
4. puntaje de crédito:
5. escrow / cuenta de depósito en garantía:
6. preaprobación:
7. seguros del dueño de casa:

Explanation:

Verdadero / Falso sobre las hipotecas

1. Explanation for 1: A mortgage is a loan for property, a credit card is for short - term credit. They are not the same.

• Answer: F

1. Explanation for 2: Most people need a down payment (pago inicial) to get a mortgage.

• Answer: V

1. Explanation for 3: Non - US citizens can buy a house with a mortgage (e.g., with proper documentation).

• Answer: V

1. Explanation for 4: Mortgage payments can change (e.g., adjustable - rate mortgages), so they are not always the same.

• Answer: F

1. Explanation for 5: Credit score is a key factor banks use to approve a mortgage.

• Answer: V

1. Explanation for 6: An escrow account is used to pay property taxes and home insurance.

• Answer: V

1. Explanation for 7: Not all mortgages require a 20% down payment (e.g., FHA loans have lower requirements).

• Answer: F

1. Explanation for 8: Mortgage interest rates (e.g., fixed vs adjustable) work differently than credit card interest rates.

• Answer: F

1. Explanation for 9: If a borrower defaults on a mortgage, the bank can foreclose (ejecución hipotecaria) and take the house.

• Answer: V

1. Explanation for 10: Getting pre - approved for a mortgage helps in the home - buying process as it shows how much you can borrow.

• Answer: V

Vocabulario clave para mejor comprender

1. Hipoteca: A loan to buy property, with the property as collateral.
2. Pago inicial: The upfront payment (a percentage of the home price) made when getting a mortgage.
3. Tasa de interés: The percentage of the loan amount charged as interest, determining the cost of borrowing.
4. Puntaje de crédito: A numerical representation of a person's creditworthiness, based on credit history.
5. Escrow / Cuenta de depósito en garantía: A third - party account used to hold funds for property taxes, insurance, etc., in a real estate transaction.
6. Preaprobación: A bank's preliminary approval of a mortgage loan amount, based on a borrower's financial information, before finding a home.
7. Seguros del dueño de casa: Insurance that protects the homeowner (and the lender) from losses related to the home (e.g., damage, liability).

Answer:

Verdadero / Falso sobre las hipotecas

1. Explanation for 1: A mortgage is a loan for property, a credit card is for short - term credit. They are not the same.

• Answer: F

1. Explanation for 2: Most people need a down payment (pago inicial) to get a mortgage.

• Answer: V

1. Explanation for 3: Non - US citizens can buy a house with a mortgage (e.g., with proper documentation).

• Answer: V

1. Explanation for 4: Mortgage payments can change (e.g., adjustable - rate mortgages), so they are not always the same.

• Answer: F

1. Explanation for 5: Credit score is a key factor banks use to approve a mortgage.

• Answer: V

1. Explanation for 6: An escrow account is used to pay property taxes and home insurance.

• Answer: V

1. Explanation for 7: Not all mortgages require a 20% down payment (e.g., FHA loans have lower requirements).

• Answer: F

1. Explanation for 8: Mortgage interest rates (e.g., fixed vs adjustable) work differently than credit card interest rates.

• Answer: F

1. Explanation for 9: If a borrower defaults on a mortgage, the bank can foreclose (ejecución hipotecaria) and take the house.

• Answer: V

1. Explanation for 10: Getting pre - approved for a mortgage helps in the home - buying process as it shows how much you can borrow.

• Answer: V

Vocabulario clave para mejor comprender

1. Hipoteca: A loan to buy property, with the property as collateral.
2. Pago inicial: The upfront payment (a percentage of the home price) made when getting a mortgage.
3. Tasa de interés: The percentage of the loan amount charged as interest, determining the cost of borrowing.
4. Puntaje de crédito: A numerical representation of a person's creditworthiness, based on credit history.
5. Escrow / Cuenta de depósito en garantía: A third - party account used to hold funds for property taxes, insurance, etc., in a real estate transaction.
6. Preaprobación: A bank's preliminary approval of a mortgage loan amount, based on a borrower's financial information, before finding a home.
7. Seguros del dueño de casa: Insurance that protects the homeowner (and the lender) from losses related to the home (e.g., damage, liability).