What To Know When Renting An Apartment | NerdWallet
Summary
TLDREste vídeo ofrece consejos valiosos para aquellos considerando alquilar una propiedad. Se discuten aspectos clave como la importancia de conocer tu historial crediticio, los requisitos de ingresos y antecedentes de alquiler, y cómo estos afectan la aprobación de arrendatarios. Además, se explora la cuestión de cuánto se puede pagar de alquiler, sugiriendo reglas como el 30% de los ingresos brutos para calcular lo que se puede pagar. Se aborda la opción de seguro de inquilinato, considerando que puede ser un requisito del arrendador y su relevancia para proteger tus pertenencias. Finalmente, se compara alquilar de grandes corporaciones con arrendar de propietarios privados, y se aconseja planificar la duración del contrato de arrendamiento según tus necesidades futuras.
Takeaways
- 🏦 💼 Antes de alquilar, es importante conocer tu puntaje de crédito y tener en cuenta cualquier elemento preocupante en tu historial crediticio.
- 🔍 🏠 La mayoría de los propietarios revisarán el historial crediticio de los inquilinos potenciales, así como su historial de alquiler y posibles desalojos.
- 💼 💵 Los propietarios suelen requerir comprobante de ingresos y una verificación de antecedentes para asegurarse de que el inquilino pueda pagar el alquiler.
- 🏡 💰 Al firmar un contrato de alquiler, es posible que debas considerar pagar una fianza más alta o agregar un garante con un historial de crédito sólido si tienes problemas en tu crédito.
- 💵 📈 Puedes utilizar el pago de alquiler para construir tu crédito, informando a sitios como Rent Reporters o Rental Karma sobre tus pagos.
- 💸 🏠 Determina cuánto puedes permitirte pagar en alquiler, teniendo en cuenta tus ingresos y otros gastos, como las deudas y las compras diarias.
- 💼 📊 La regla del 30% sugiere gastar aproximadamente el 30% de tus ingresos brutos en alquiler, pero en mercados caros, como Nueva York, puede ser desafiante.
- 💰 📊 También puedes considerar la guía del presupuesto 50/30/20, que asigna el 50% de tus ingresos para necesidades, el 30% para deseos y el 20% para ahorros y deudas.
- 🏡 🔒 Es importante considerar el costo del seguro de inquilinato, ya que puede ser un requisito del propietario y te brinda protección para tus pertenencias.
- 🏠 🏢 Al elegir el tipo de propiedad, debes considerar si prefieres vivir en un complejo corporativo o en una propiedad de un propietario privado, cada uno tiene sus ventajas e inconvenientes.
- 📝 📅 Asegúrate de revisar la duración del contrato de alquiler y considerar si estás dispuesto a quedarte en el lugar por varios años, ya que esto puede afectar la renta y la estabilidad.
Q & A
¿Qué es importante conocer antes de firmar un contrato de alquiler?
-Es importante conocer tu puntaje de crédito, tener en cuenta los elementos preocupantes en tu informe de crédito, y estar preparado para abordarlos cuando el propietario los mencione.
¿Por qué es fundamental revisar el historial de crédito antes de buscar un apartamento?
-La mayoría de los propietarios revisarán el historial de crédito de los solicitantes, lo que puede influir significativamente en la búsqueda de un apartamento.
¿Qué pueden sugerir problemas en el manejo de las finanzas de un inquilino?
-Problemas como vehículos embargados o tarjetas de crédito anuladas pueden sugerir a un propietario que un inquilino potencial tiene dificultades para manejar sus finanzas.
¿Qué se debe probar como prueba de ingresos y por qué?
-Se debe probar la capacidad de generar ingresos al menos x veces el alquiler mensual, ya que los propietarios se preocupan cuando un potencial inquilino vive de pago a pago.
¿Qué es una práctica común de los propietarios para determinar si un solicitante será un inquilino confiable?
-Los propietarios suelen verificar el historial de alquiler responsable, incluyendo el pago a tiempo, daños al apartamento y la conducta del inquilino.
¿Cómo pueden los inquilinos usar los pagos de alquiler para construir su crédito?
-Los inquilinos pueden informar sus pagos de alquiler a sitios como Rent Reporters y Rental Karma para construir su crédito.
¿Cuál es la regla del 30% para determinar lo que se puede pagar de alquiler?
-La regla del 30% sugiere gastar alrededor del 30% de su ingreso bruto en alquiler.
¿Qué es el método 50/30/20 para asignar el presupuesto después de impuestos y cómo se relaciona con el alquiler?
-El método 50/30/20 asigna el 50% de su ingreso neto después de impuestos para necesidades, el 30% para deseos y el 20% para ahorros y pagos de deudas.
¿Por qué es importante considerar el seguro de inquilinato al alquilar?
-El seguro de inquilinato es importante porque protege tus pertenencias personales y puede cubrir daños que causen a terceros o cuando no estás en casa.
¿Cuál es el costo promedio anual del seguro de inquilinato según el análisis de Nerd Wallet?
-El costo promedio anual del seguro de inquilinato es de aproximadamente 179 dólares o 15 dólares al mes.
¿Cuáles son las ventajas y desventajas de alquilar de una corporación en comparación con un propietario privado?
-Las corporaciones pueden ser menos flexibles con las guías de ingresos o crédito, pero suelen asignar el apartamento al primer solicitante calificado. Los propietarios privados pueden ser más flexibles pero pueden haber más competencia para obtener el alquiler.
¿Qué tipo de contratos de alquiler se pueden negociar con los propietarios y cuál puede ser el beneficio?
-Pueden negociarse contratos de alquiler de varios años, lo que puede resultar en una reducción del alquiler y ahorrar dinero a largo plazo tanto para el inquilino como para el propietario.
Outlines
🏠 Consideraciones antes de alquilar una propiedad
Este párrafo aborda la importancia de conocer tu puntaje de crédito antes de alquilar, ya que la mayoría de los propietarios verificarán el historial crediticio de los inquilinos potenciales. Se menciona que los propietarios pueden utilizar recursos de asociaciones de propietarios o credit bureaus para revisar el crédito. Además, se destaca la necesidad de proporcionar comprobantes de ingresos y realizar un chequeo de antecedentes. Se sugiere que los inquilinos potenciales tengan un ingreso al menos X veces el alquiler mensual y que tengan un historial de alquiler responsable. También se menciona la posibilidad de ofrecer un depósito mayor o un garante con un buen historial crediticio si hay preocupaciones. Finalmente, se habla de cómo los pagos de alquiler pueden ser utilizados para construir crédito a través de sitios como Rent Reporters y Rental Karma.
💼 Análisis de presupuesto y seguros para inquilinos
En este párrafo se discute cómo determinar lo que se puede permitirse pagar en alquiler, utilizando la regla del 30% de los ingresos brutos o la metodología 50-30-20 para asignar el presupuesto después de impuestos. Se menciona la importancia de considerar los gastos mensuales, como el seguro de inquilinato, que muchos propietarios requieren al menos una política de responsabilidad civil. Se destaca que el seguro de inquilinato puede ser más económico de lo que se piensa y ofrece protección para pertenencias personales y contra daños causados a terceros. Además, se aborda la elección entre alquilar de una corporación o de un propietario privado, y se sugiere tener en cuenta las comodidades y términos del contrato antes de firmar un arrendamiento a largo plazo. Se concluye con la consideración de los pros y contras de alquilar frente a comprar, y se aconseja estar preparado para tomar decisiones financieras informadas.
Mindmap
Keywords
💡Tarifas de interés
💡Valoración de la vivienda
💡Contrato de alquiler
💡Puntuación de crédito
💡Prueba de ingresos
💡Revisión de antecedentes
💡Seguro de inquilinato
💡Regla del 30%
💡Presupuesto 50/30/20
💡Tipo de propiedad
💡Inquilinato a largo plazo
Highlights
Considering renting due to fluctuating interest rates and high house prices.
Ease of access when renting compared to getting a mortgage.
Importance of knowing your credit score before renting.
Landlords check credit history for new applicants.
Potential issues in credit history that may affect rental approval.
Proof of income and background checks are typically required by landlords.
Landlords may inquire about rental history and financial responsibility.
Options for addressing credit or income concerns with landlords.
Using rent payments to build credit through services like Rent Reporters.
Determining how much you can afford to pay in rent.
The 30% rule for allocating income towards rent.
The 50/30/20 budget rule for rent affordability.
The importance of considering renters insurance and its average cost.
Factors to consider when deciding on renters insurance.
Pros and cons of renting from a large corporation versus a private owner.
The impact of property type on the rental experience.
Negotiating a lease term and its potential benefits.
Weighing the pros and cons of renting versus buying a home.
Practical tips for preparing to rent a property.
Anecdote about a peculiar rental property with a unique bathroom setup.
Transcripts
with interest rates continuing to
fluctuate and houses selling for
thousands over asking price continuing
to rent might make a lot of sense but
there's a lot to consider before jumping
into the commitment of a lease let's
talk about what you need to know before
renting a property hey y'all welcome
back I'm Nikita
so there's this ease of access when
renting that isn't necessarily there
when you're getting a mortgage still
there are a few points you'll want to
keep in mind when you rent for starters
you'll want to know your credit score if
you have any concerning items on your
credit report you'll want to know those
in advance that way you're prepared to
address them when your potential
landlord brings them up most landlords
will check a new applicant's credit
history which could make a big
difference in your next apartment search
there are many resources available to
property owners for running a potential
tenant's credit from landlord
associations to going directly through
credit bureaus while the specifics of
what credit criteria is needed will vary
from landlord to landlord most won't
necessarily be expecting perfect credit
but there are a few things that may make
it more difficult to be approved
concerns like repossessed vehicles or
credit cards charged off may suggest to
a landlord that a potential tenant has
trouble managing their finances
along with checking your credit most
potential landlords will also require
proof of income and a background check
the requirements again can vary but some
things a landlord might look into are
one do you make an income that is at
least x times the monthly rent landlords
get antsy when they see a potential
tenant living paycheck to paycheck
because one month of unexpected expense
for you could mean they don't receive
rent that month
two do you have a responsible rental
history landlords May check in with your
previous landlords to find out if you
paid on time damage the unit or were a
disorderly tenant they also might look
into possible evictions or other areas
of concern in your rental history
ultimately the goal of the credit income
and background checks are to help a
landlord determine if an applicant will
be a reliable tenant if you have areas a
landlord might be concerned about they
don't necessarily mean that you'll
automatically be denied some landlords
are more flexible than others but be
prepared to address the issues by paying
a higher deposit or offering to add a
guarantor with good credit history to
the lease and once you do sign a lease
you can potentially use the rent
payments as a way to build up your
credit sites like rent reporters and
Rental Karma are a couple of options for
reporting these payments the next thing
to determine when starting your rental
journey is how much you can truly afford
to pay in rent what you can afford
depends on your income and other
expenses like debt payments and
groceries there are a few ways to tackle
determining what you can afford one
popular way is the 30 rule where you'd
spend about 30 percent of your gross
income on rent so let's pretend you make
nine thousand dollars monthly before
taxes you should spend no more than
twenty seven hundred dollars monthly in
rent under this rule but even at nine
thousand dollars monthly this rule can
prove challenging in pricier markets
like New York city where the average
monthly rent for a one bedroom apartment
can run nearly thirty nine hundred
dollars so in this case you may want to
consider using the 50 30 20 budget as a
guide to help you figure out how much
you can afford to pay monthly in rent
this method allocates your post-tax
take-home pay into three sections fifty
percent for needs 30 for wants and
twenty percent for savings and
additional debt payments okay math time
again let's use our nine thousand dollar
monthly income example from before forty
five hundred of that would be allocated
for needs like rent utilities and
groceries 2700 would be allocated to
cover wants like shopping and
entertainment in 1800 would go to your
savings and paying down debts are you
also with me yeah okay good well while
we're on the subject of monthly expenses
we should go ahead and talk about
renters insurance
I know I know it's not the most exciting
part about moving but it is something
you'll want to consider when renting
your next place and a lot of landlords
will actually require at least a
liability policy and you know what is
exciting having protection for your
stuff so this is definitely an expense
you should factor into your monthly
budget if your potential landlord
doesn't require it and you're on the
fence about whether to purchase a policy
consider these three factors one your
landlord's insurance won't cover you if
something happens in most cases a
landlord's insurance will only cover the
structure of the building this doesn't
protect your personal belongings nor
does it cover you if you accidentally
flood your neighbor's apartment or cause
other damage two chances are you own
more than you think maybe you're
thinking that you don't have anything
valuable that would be pricey to replace
but when you start to add up all the
expenses of everything in your home the
electronics the furniture the clothes
the shoes the whatever it can really add
up replacing an entire home worth of
stuff can quickly jump to the tens of
thousands of dollars mark also keep in
mind that renters insurance May cover
some of your stuff when you're not at
home like if your laptop was stolen on
the subway your policy May cover you
three and finally renters insurance
could protect your finances if you do
someday hope to save for a down payment
on a home or other large purchase
shelving out thousands of dollars to fix
damage you caused in a rental or to
replace a stolen entertainment system
could really eat into your savings you'd
probably be surprised to learn how
affordable renters insurance actually is
too the team at nerd wallet analyzed
renters insurance rates across the U.S
and determined that the average cost is
only about 179 dollars per year or 15
per month pricing can be higher or lower
depending on where you live but it
probably costs less than you think the
next thing to consider is the property
type itself do you want to live in a big
corporate owned Community or would you
prefer to rent a home directly from the
owner there are a few advantages and
disadvantages to both if you're renting
from a large corporation chances are you
won't have to compete for an apartment
if you are the first applicant larger
corporations typically lease an
apartment to the first qualified
applicant the downside to a large
property management company is that they
might not be as flexible with some of
the income or credit guideline lines if
you have a lower income or credit issues
it may be harder to get approved by a
company that has their own corporate
guidelines and policies regulating their
approval processes if you opt to rent
with a private property owner you'll
likely get more flexibility here they
may be more willing to consider
overlooking some credit or income
concerns if you pay a higher deposit the
downside to renting from a private owner
is that you may have more competition
for securing the rental private
landlords may wait until they have
several applicants and then choose their
favorite from there also when
considering your property type make sure
you look at the amenities and Lease
inclusions that most matter to you do
you need AC laundry flexible lease terms
what are the rules about pets parties or
overnight guests all of these things
need to be taken into consideration so
that you can make an informed decision
before signing onto a year-long lease
speaking of year-long leases check that
too are you certain that you want to
stick around for at least the next few
years you may be able to talk to your
prospective landlord to get down the
rent a little bit if you sign on to a
multi-year-long lease it'll save the
landlord from potentially needing to do
cleaning and marketing of the space and
it would save you a few dollars in the
long run deciding whether it's a smarter
money move to buy your rent has been
challenging Americans for years saving
up for a down payment takes time and for
a lot of people the ease of access and
flexibility of renting makes sense
everyone's situation is different but in
general some of the pros of renting is
that it could be more affordable
particularly in pricier markets like LA
and NYC it also offers more flexibility
to leave town when your lease is up if
you'd like and of course not having to
handle your own maintenance Lawn Care
Etc can be a huge draw for a lot of
people running may be the easiest option
when choosing a place to live if renting
makes sense for you go in prepared just
as you would with any other financial
decision know what you can afford know
your credit score and know what you were
looking for in a space if renting is a
Timber Prairie plan for you take that
into consideration when choosing your
lease in space if you want something
that you can live in for the next
several years plan for that as well
I've rented all across the U.S and have
definitely toured some crazy rentals but
the strangest was probably touring an
old apartment that had the toilet and
shower in one little space on one end of
the apartment and the sink inside of one
of the bedrooms so you couldn't wash
your hands after using the bathroom
unless you went either into your own
room or depending on how you had it set
up your roommate's room so weird
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