{"id":213,"date":"2021-03-09T03:40:00","date_gmt":"2021-03-09T06:40:00","guid":{"rendered":"http:\/\/localhost\/ctthemes\/onevo\/?p=213"},"modified":"2021-07-24T12:16:40","modified_gmt":"2021-07-24T15:16:40","slug":"can-you-get-a-mortgage-if-you-have-filed-for-bankruptcy","status":"publish","type":"post","link":"https:\/\/abogados-maryland.com\/es\/can-you-get-a-mortgage-if-you-have-filed-for-bankruptcy\/","title":{"rendered":"\u00bfPuede obtener una hipoteca si se declar\u00f3 en quiebra?"},"content":{"rendered":"

Las personas en Maryland pueden dudar en declararse en quiebra. Es posible que teman que hacerlo los marcar\u00e1 como financieramente irresponsables en los pr\u00f3ximos a\u00f1os. Sin embargo, declararse en quiebra no merece el estigma negativo que tiene. Puede ser una forma viable y razonable de abordar una deuda abrumadora de manera positiva. Aquellos que est\u00e1n pasando por la quiebra pueden tener muchas preguntas, incluso si pueden calificar para una hipoteca<\/a> post-quiebra.<\/p>\n

El per\u00edodo de espera<\/h3>\n

Si bien es posible obtener una hipoteca despu\u00e9s de la quiebra, los bancos generalmente quieren asegurarse de que sus clientes est\u00e9n listos para ser propietarios responsables antes de otorgar una hipoteca. Por lo tanto, a menudo hay un per\u00edodo de espera de hasta cinco a\u00f1os despu\u00e9s de la liquidaci\u00f3n de la quiebra. Durante este per\u00edodo de espera, puede ser \u00fatil asegurarse de pagar las deudas a tiempo y en su totalidad, para garantizar que su historial crediticio est\u00e9 limpio.<\/p>\n

Vigile su informe crediticio<\/h3>\n

Antes de solicitar una hipoteca, es una buena idea verificar su informe crediticio. Todas las deudas descargadas a trav\u00e9s del proceso de bancarrota del Cap\u00edtulo 7 o del Cap\u00edtulo 13 deben figurar como \"incluidas en la bancarrota\". De lo contrario, querr\u00e1 arreglarlos para evitar da\u00f1ar su puntaje crediticio.<\/p>\n

Obtener pre-aprobada<\/h3>\n

Despu\u00e9s de la quiebra, es posible obtener una aprobaci\u00f3n previa para una hipoteca. Sin embargo, es posible que deba proporcionarle a su prestamista una explicaci\u00f3n sobre por qu\u00e9 se declar\u00f3 en bancarrota y mostrar pruebas de que ahora tiene un buen cr\u00e9dito. Si bien esto puede llevar tiempo, la aprobaci\u00f3n previa puede ser muy \u00fatil para obtener una hipoteca una vez que encuentre la casa adecuada.<\/p>\n

M\u00e1s informaci\u00f3n sobre la quiebra<\/h3>\n

Declararse en bancarrota es a menudo la mejor manera para que quienes se ahogan en deudas inmanejables cancelen sus obligaciones financieras y avancen con una base nueva. Esta publicaci\u00f3n es solo para fines educativos y no contiene asesoramiento legal.<\/p>","protected":false},"excerpt":{"rendered":"

Las personas en Maryland pueden dudar en declararse en quiebra. Es posible que teman que hacerlo los marcar\u00e1 como financieramente irresponsables en los pr\u00f3ximos a\u00f1os.<\/p>","protected":false},"author":1,"featured_media":2720,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[18],"tags":[58],"class_list":["post-213","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","tag-bankruptcy"],"yoast_head":"\nCan you get a mortgage if you have filed for bankruptcy? - Abogados Maryland<\/title>\n<meta name=\"description\" content=\"Can you get a mortgage if you have filed for bankruptcy? 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