{"id":4555,"date":"2025-03-27T18:26:45","date_gmt":"2025-03-27T18:26:45","guid":{"rendered":"https:\/\/api.croghan.bank\/recursos\/solicitar-una-hipoteca\/pmi\/"},"modified":"2026-04-21T19:42:45","modified_gmt":"2026-04-21T19:42:45","slug":"pmi","status":"publish","type":"page","link":"https:\/\/api.croghan.bank\/es\/recursos\/solicitar-una-hipoteca\/pmi\/","title":{"rendered":"PMI"},"content":{"rendered":"","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":4461,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[],"tags":[],"class_list":["post-4555","page","type-page","status-publish","hentry"],"acf":{"modules":[{"acf_fc_layout":"bread_crumb_nav_hero","title":"<h1>Entendiendo el Seguro Hipotecario Privado (PMI)<\/h1>","subtitle":"","content":"El Seguro Hipotecario Privado (PMI, por sus siglas en ingl\u00e9s) permite a los compradores de vivienda calificar para una hipoteca con un pago inicial m\u00e1s bajo. Si la relaci\u00f3n pr\u00e9stamo-valor (LTV, por sus siglas en ingl\u00e9s) es superior al 80%, lo que significa que est\u00e1 financiando m\u00e1s del 80% del valor de su vivienda, los prestamistas pueden exigir el PMI para protegerse contra el incumplimiento. Si bien el PMI aumenta los costos mensuales de su hipoteca, puede hacer que la propiedad de la vivienda sea posible antes.  ","buttons":[{"button":{"link":{"title":"Cont\u00e1ctenos","url":"\/contact-us","target":""},"button_style":"solid","button_color":"dBlue","opens_modal":false,"video":null}}],"module_anchor_id":"","module_padding_inner":"noPaddingInner","module_spacing_after":"defaultSpacingAfter"},{"acf_fc_layout":"floating_cards","eyebrow":"","title":"<h2>C\u00f3mo funciona el PMI<\/h2>","content":"El PMI es una p\u00f3liza de seguro adicional proporcionada por compa\u00f1\u00edas privadas (no gubernamentales) y generalmente se incluye en el pago mensual de su hipoteca. Esto es lo que necesitas saber: ","buttons":null,"cards_alignment":"cardsRight","card_style_type":"cardTypeBasic","floating_cards":[{"icon":"","icon_dark_mode":null,"eyebrow":"","title":"<h3>Te ayuda a comprar con menos pago inicial<\/h3>","description":"Permite a los compradores de vivienda obtener una hipoteca con una inversi\u00f3n inicial m\u00e1s baja.","image":null,"link":null},{"icon":"","icon_dark_mode":null,"eyebrow":"","title":"<h3>Costo t\u00edpico<\/h3>","description":"El PMI suele costar alrededor del 0,5% del importe del pr\u00e9stamo al a\u00f1o. En una hipoteca de $200,000, eso es aproximadamente $1,000 al a\u00f1o, o alrededor de $83 por mes. ","image":null,"link":null},{"icon":"","icon_dark_mode":null,"eyebrow":"","title":"<h3>Estructura Premium Fija<\/h3>","description":"El costo se basa en factores como la relaci\u00f3n LTV, el tipo de pr\u00e9stamo y el plazo, no en su historial crediticio personal.","image":null,"link":null}],"module_background_style":"solidColorBlue","module_anchor_id":"","module_padding_inner":"noPaddingInner","module_spacing_after":"noSpacingAfter"},{"acf_fc_layout":"full_width_media","media_type":"image","image":3819,"video":null,"video_youtube":"","video_poster_image":null,"module_upper_half_background_color":"blue","module_lower_half_background_color":"white","module_anchor_id":"","module_padding_inner":"noPaddingInner","module_spacing_after":"noSpacingAfter"},{"acf_fc_layout":"floating_cards","eyebrow":"","title":"<h2>C\u00f3mo eliminar el PMI<\/h2>","content":"El PMI no tiene por qu\u00e9 ser permanente. La ley federal requiere que los prestamistas cancelen autom\u00e1ticamente el PMI cuando el saldo de su pr\u00e9stamo cae por debajo del 78% del precio de compra original. Sin embargo, es posible que pueda eliminarlo antes una vez que alcance el 20% del valor neto de la vivienda siguiendo los siguientes pasos:  ","buttons":null,"cards_alignment":"cardsRight","card_style_type":"cardTypeBasic","floating_cards":[{"icon":"","icon_dark_mode":null,"eyebrow":"","title":"<h4>Monitoree su pr\u00e9stamo<\/h4>","description":"Realice un seguimiento de sus estados de cuenta hipotecarios y controle los valores de las propiedades en su \u00e1rea.","image":null,"link":null},{"icon":"","icon_dark_mode":null,"eyebrow":"","title":"<h4>Solicitar la cancelaci\u00f3n del PMI<\/h4>","description":"Una vez que creas que has alcanzado el 20% de capital, comun\u00edcate con tu prestamista para iniciar el proceso de eliminaci\u00f3n.","image":null,"link":null},{"icon":"","icon_dark_mode":null,"eyebrow":"","title":"<h4>Verificar con una tasaci\u00f3n<\/h4>","description":"Una tasaci\u00f3n puede ayudar a confirmar el valor de su vivienda antes de que se pueda eliminar el PMI.","image":null,"link":null}],"module_background_style":"solidColorWhite","module_anchor_id":"","module_padding_inner":"noPaddingInner","module_spacing_after":"defaultSpacingAfter"},{"acf_fc_layout":"content_card_pattern_accent","image":3820,"eyebrow":"","title":"<h2>\u00bfTiene preguntas sobre PMI?<\/h2>","content":"Nuestros expertos en hipotecas est\u00e1n aqu\u00ed para guiarlo a trav\u00e9s del proceso de pr\u00e9stamo hipotecario, incluida la comprensi\u00f3n del PMI y cu\u00e1ndo se puede eliminar.","buttons":[{"button":{"link":{"title":"Cont\u00e1ctenos","url":"\/contact-us","target":""},"button_style":"solid","button_color":"dBlue","opens_modal":false,"video":null}}],"disclaimer":"","module_image_alignment":"imageLeft","module_card_background_color":"cardBackgroundGrey","module_anchor_id":"","module_padding_inner":"paddingInnerBottom","module_spacing_after":"compactSpacingAfter"},{"acf_fc_layout":"accordion","eyebrow":null,"accordion_items":null,"module_anchor_id":null,"module_padding_inner":null,"module_spacing_after":null},{"acf_fc_layout":"location_pre_footer","module_anchor_id":"","module_padding_inner":"noPaddingInner","module_spacing_after":"defaultSpacingAfter"}]},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Seguro Hipotecario Privado (PMI) | Banco Colonial Croghan<\/title>\n<meta name=\"description\" content=\"Qu\u00e9 es el PMI, por qu\u00e9 los prestamistas lo exigen y c\u00f3mo eliminarlo una vez que alcanzas el 20% de capital. 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