[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"$f1d17bmzpltgj0":3,"$ffegs2evbp6jw":47,"$f2emw9x6ij0gm":51,"$fbwk3vtva8yds":55},{"item":4,"previous":35,"next":41},{"id":5,"slug":6,"title":7,"description":8,"excerpt":9,"contentType":10,"featuredImage":11,"bannerImage":9,"body":12,"agentsBottomLine":13,"bodyImage":14,"isInfographic":15,"categories":16,"isVideo":15,"videoThumbnail":9,"videoSource":9,"publishedAt":33,"updatedAt":34},647,"mortgage-standards-easing-too-much-no","¿Las normas hipotecarias se están poniendo mucho más fáciles? ¡No!","No cabe duda que obtener una hipoteca es más fácil hoy día que lo que era después del desplome hipotecario una década atrás. Sin embargo, el alivio de la disponibilidad del crédito ha llevado a algunas preguntas en cuanto a si nos estamos dirigiendo o no hacia otra crisis de la vivienda.\r\n\r\n","","blog","https:\u002F\u002Fsimplifyingmedia\u002Fwp-content\u002Fuploads\u002F2016\u002F09\u002F01161136\u002F20160914-Share-STM.jpg","No cabe duda que obtener una hipoteca es más fácil hoy día que lo que era después del desplome hipotecario una década atrás. Sin embargo, el alivio de la disponibilidad del crédito ha llevado a algunas preguntas en cuanto a si nos estamos dirigiendo o no hacia otra crisis de la vivienda.\r\n\r\n\u003C!--more-->\r\n\r\nVamos a poner todo en la perspectiva adecuada.\r\n\u003Ch4>\u003Cstrong>La disponibilidad del crédito hipotecario durante los últimos tres años\u003C\u002Fstrong>\u003C\u002Fh4>\r\nObtener un préstamo hipotecario definitivamente se ha hecho más fácil durante los últimos tres años según lo evidenciado por el \u003Cem>\u003Ca href=\"https:\u002F\u002Fwww.mba.org\u002Fnews-research-and-resources\u002Fresearch-and-economics\u002Fsingle-family-research\u002Fmortgage-credit-availability-index\">Índice de disponibilidad del crédito hipotecario\u003C\u002Fa>,\u003C\u002Fem> emitido por la \u003Cem>Asociación de banqueros hipotecarios\u003C\u002Fem>, en la gráfica siguiente (entre más alto el índice, más fácil es obtener una hipoteca):\r\n\r\n\u003Ca href=\"https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002Fwp-content\u002Fuploads\u002F2016\u002F09\u002F20160914-STM-SPA1.jpg\">\u003Cimg class=\"alignnone wp-image-34165\" src=\"https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002Fwp-content\u002Fuploads\u002F2016\u002F09\u002F20160914-STM-SPA1.jpg\" alt=\"¿Las normas hipotecarias se están poniendo mucho más fáciles? ¡No!| Simplifying The Market\" width=\"650\" height=\"488\" \u002F>\u003C\u002Fa>\r\n\r\nSin embargo, si miramos más atrás en el índice podemos ver una historia diferente.\r\n\u003Ch4>\u003Cstrong>La disponibilidad del crédito hipotecario hoy comparado con 2006\u003C\u002Fstrong>\u003C\u002Fh4>\r\nLa grafica siguiente muestra el índice regresando hasta 2004, y la primera grafica que le mostramos antes está representada por la sección triangular pequeña de color naranja en la esquina inferior derecha.\r\n\r\n\u003Ca href=\"https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002Fwp-content\u002Fuploads\u002F2016\u002F09\u002F20160914-STM-SPA2.jpg\">\u003Cimg class=\"alignnone wp-image-34166\" src=\"https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002Fwp-content\u002Fuploads\u002F2016\u002F09\u002F20160914-STM-SPA2.jpg\" alt=\"¿Las normas hipotecarias se están poniendo mucho más fáciles? ¡No!| Simplifying The Market\" width=\"650\" height=\"488\" \u002F>\u003C\u002Fa>\r\n\r\nComo se ilustra fácilmente en este visual, el índice actual está lejos de los niveles que se dispararon en 2006.\r\n\u003Ch3>\u003Cstrong>En conclusión,\u003C\u002Fstrong>\u003C\u002Fh3>\r\nDefinitivamente es más flexible el crédito hipotecario. Sin embargo, no estamos llegando cerca a las normas laxas que causaron la crisis de la vivienda de la última década.","\r\nDefinitivamente es más flexible el crédito hipotecario. Sin embargo, no estamos llegando cerca a las normas laxas que causaron la crisis de la vivienda de la última década.","https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002Fwp-content\u002Fuploads\u002F2016\u002F09\u002F20160914-STM-SPA1.jpg",false,[17,21,25,29],{"id":18,"name":19,"slug":20},5,"Para los compradores","buyers",{"id":22,"name":23,"slug":24},6,"Para los vendedores","sellers",{"id":26,"name":27,"slug":28},11,"Compradores de vivienda por primera vez","first-time-buyers",{"id":30,"name":31,"slug":32},38,"Compradores de casa mas grande","move-up","2016-09-14T10:00:58Z","2016-09-07T15:01:07Z",{"id":36,"slug":37,"title":38,"featuredImage":39,"publishedAt":40,"contentType":10,"isVideo":15},646,"why-getting-pre-approved-should-be-your-first-step","Porque obtener una pre-aprobación debe ser el primer paso","https:\u002F\u002Fsimplifyingmedia\u002Fwp-content\u002Fuploads\u002F2016\u002F09\u002F01161138\u002F20160913-Share-STM.jpg","2016-09-13T10:00:24Z",{"id":42,"slug":43,"title":44,"featuredImage":45,"publishedAt":46,"contentType":10,"isVideo":15},648,"the-cost-of-not-owning-your-home"," El costo de NO ser propietario de su casa","https:\u002F\u002Fsimplifyingmedia\u002Fwp-content\u002Fuploads\u002F2016\u002F09\u002F01161125\u002F20160915-Share-STM.jpg","2016-09-15T10:00:06Z",{"cover":48,"open":49,"shareSpread":50},"https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20260603\u002F2026-Summer-Buyers-Guide-Cover-SP-original.png","https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20260603\u002F2026-Summer-Buyers-Guide-Spread-SP-original.png","https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20260603\u002F2026-Summer-Buyers-Guide-Magazine-SP-original.png",{"cover":52,"open":53,"shareSpread":54},"https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20260603\u002F2026-Summer-Sellers-Guide-Cover-SP-original.png","https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20260603\u002F2026-Summer-Sellers-Guide-Spread-SP-original.png","https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20260603\u002F2026-Summer-Sellers-Guide-Magazine-SP-original.png",[56,60,61,62,66,70,74,75,79,83,84,88,92,96,100,104,108,112,116,120,124,128,132,136,140,144,148,152,156,159],{"id":57,"name":58,"slug":59},1,"No clasificado","uncategorized",{"id":18,"name":19,"slug":20},{"id":22,"name":23,"slug":24},{"id":63,"name":64,"slug":65},7,"Ejecuciones hipotecarias","foreclosures",{"id":67,"name":68,"slug":69},8,"Infografías","infographics",{"id":71,"name":72,"slug":73},9,"Precios","home-prices",{"id":26,"name":27,"slug":28},{"id":76,"name":77,"slug":78},34,"Mercado de la tercera edad","senior-market",{"id":80,"name":81,"slug":82},35,"Tasas de interés","mortgage-rates",{"id":30,"name":31,"slug":32},{"id":85,"name":86,"slug":87},41,"“FSBO“","for-sale-by-owner",{"id":89,"name":90,"slug":91},42,"Featured","featured",{"id":93,"name":94,"slug":95},45,"Nueva construcción","new-construction",{"id":97,"name":98,"slug":99},52,"Mercado de lujo","luxury--vacation",{"id":101,"name":102,"slug":103},53,"Alquilar Vs. 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