{"id":95416,"date":"2019-08-30T08:23:56","date_gmt":"2019-08-30T13:23:56","guid":{"rendered":"https:\/\/centrourbano.com\/?p=95416"},"modified":"2019-08-30T08:28:20","modified_gmt":"2019-08-30T13:28:20","slug":"por-que-la-uma-es-mejor-en-deudas-hipotecarias","status":"publish","type":"post","link":"https:\/\/centrourbano.com\/revista\/vivienda\/por-que-la-uma-es-mejor-en-deudas-hipotecarias\/","title":{"rendered":"\u00bfPor qu\u00e9 la UMA es mejor en deudas hipotecarias?"},"content":{"rendered":"<p><em>La UMA es una unidad de conteo de dinero que sirve como base para calcular cu\u00e1nto se debe pagar por cr\u00e9ditos hipotecarios, permisos, tr\u00e1mites, multas, etc<\/em><!--more--><\/p>\n<p>Hasta el a\u00f1o 2016, se utilizaba el sistema <strong>Veces Salario M\u00ednimo (VSM)<\/strong> para calcular los pagos que los ciudadanos deb\u00edan hacer a las diversas instituciones p\u00fablicas, pero hoy es mucho m\u00e1s com\u00fan utilizar la<strong> Unidad de Medida y Actualizaci\u00f3n (UMA)<\/strong>, que, como su nombre lo indica, es una <strong>unidad de conteo de dinero que sirve como base para calcular cu\u00e1nto se debe pagar<\/strong> por conceptos como cr\u00e9ditos hipotecarios, obligaciones fiscales, permisos, tr\u00e1mites, prestaciones y multas.<\/p>\n<p>Hay muchas personas que se preguntan <strong>c\u00f3mo beneficia o afecta la UMA<\/strong> al momento de adquirir un inmueble a cr\u00e9dito, y, de acuerdo con <strong>David Hoffs, director de estrategia de la comercializadora inmobiliaria Quiero Casa<\/strong>, \u201ces imprescindible comprender bien este concepto, pues tiene serias implicaciones al momento de pagar un hogar a cr\u00e9dito\u201d.<\/p>\n<p>Una de esas implicaciones es que, <strong>cuando un cr\u00e9dito hipotecario estaba en VSM, cuando este aumentaba, lo hac\u00eda tambi\u00e9n la deuda y la mensualidad<\/strong>. Por esta raz\u00f3n fue que se estableci\u00f3 la opci\u00f3n de utilizar la <strong>UMA<\/strong>, siempre y cuando esta sea menor al incremento de salario m\u00ednimo en un a\u00f1o.<\/p>\n<p>La principal ventaja que esto representa es que ahora hay otra opci\u00f3n de calcular el cr\u00e9dito, bas\u00e1ndose en el <strong>\u00edndice menos perjudicial,<\/strong> pues tanto <strong>UMA<\/strong> como <strong>SM<\/strong> aumentan a\u00f1o con a\u00f1o, adem\u00e1s de que con la introducci\u00f3n de la <strong>UMA<\/strong> se hizo posible solicitar un <strong>ajuste de la deuda hipotecaria a pesos<\/strong> para quienes adquirieron un cr\u00e9dito en <strong>VSM<\/strong>.<\/p>\n<p>Para solicitar el ajuste se deben cubrir ciertos requisitos, como estar al corriente del pago crediticio y no haber presentado retrasos en el mismo en el \u00faltimo a\u00f1o, entre otros. Adem\u00e1s, se debe acudir a la instituci\u00f3n crediticia a trav\u00e9s de la que Infonavit o Fovissste cobran la mensualidad de la hipoteca, y es importante solicitar que el monto sea a tasa fija y elegir un plazo no mayor a 15 a\u00f1os.<\/p>\n<p>Para saber si es conveniente reajustar la deuda, es recomendable informarse a inicios de cada a\u00f1o, acerca del costo de la <strong>UMA<\/strong> y el del <strong>SM<\/strong>, para evaluar el \u00edndice que menos impacte al cr\u00e9dito.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La UMA es una unidad de conteo de dinero que sirve como base para calcular cu\u00e1nto se debe pagar por cr\u00e9ditos hipotecarios, permisos, tr\u00e1mites, multas, etc<\/p>\n","protected":false},"author":73,"featured_media":95420,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"inline_featured_image":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[12],"tags":[2135,2701,3586,60,16244],"class_list":["post-95416","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-vivienda","tag-credito-hipotecario","tag-salario-minimo","tag-uma","tag-vivienda-2","tag-vsm"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u00bfPor qu\u00e9 la UMA es mejor en deudas hipotecarias?<\/title>\n<meta name=\"description\" content=\"La UMA es una unidad de conteo de dinero que sirve como base para calcular 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