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Leasing Vs Credito Hipotecario

by | Dic 3, 2019 | Bienes Raíces | 26.424 comments

Leasing Vs Credito Hipotecario

La decisión de compra de un inmueble es una de las más importantes y trascendentales en nuestra vida personal y financiera.

Por tal motivo, con este artículo pretendemos mostrarle las ventajas y las desventajas de cada uno de los mecanismos de financiación que se ofrecen en el mercado financiero.

 Primero definamos cada uno de los mecanismos:

Crédito Hipotecario de Vivienda: Es un préstamo entregado a una o varias personas naturales, cuyo destino final debe ser exclusivamente la compra de vivienda nueva o usada, la construcción de una unidad habitacional o la reparación, remodelación, subdivisión o mejoramiento de vivienda usada.

Leasing Habitacional: Es un mecanismo de financiación para adquirir vivienda nueva o usada a largo plazo mediante el cual el banco o la compañía de financiamiento compra una vivienda, la cual escritura a su nombre, y mediante un contrato de leasing lo entrega a un locatario a cambio del pago de un canon mensual determinado (que incluye intereses y capital) durante un plazo convenido. Al vencimiento del plazo el locatario tiene derecho a ejercer una opción de adquisición sobre el inmueble por un valor previamente definido o bien ceder el mencionado derecho a un tercero.

A continuación presentamos un cuadro comparativo:

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