Calculadora ARM (Hipoteca de Tasa Ajustable)
Preguntas Frecuentes
Preguntas comunes sobre Calculadora ARM (Hipoteca de Tasa Ajustable)
Una calculadora ARM te ayuda a entender cómo funciona una hipoteca de tasa ajustable. Te muestra cómo tus pagos mensuales podrían cambiar con el tiempo basándose en ajustes de la tasa de interés.
Explore Number Convert
Free unit conversion tools
Sources & References
Common ARM Structures
Popular ARM terms: 5/1 ARM (fixed 5 years, adjusts annually), 7/1 ARM (fixed 7 years), 10/1 ARM (fixed 10 years). Initial rates typically 0.5-1.5% below comparable fixed rates.
ARM Interest Rate Calculation
After the initial period, new rate = Index Rate + Margin, subject to periodic and lifetime caps. Common indices: SOFR (Secured Overnight Financing Rate), Treasury yields. Margins typically 2-3%.
Payment Shock Risk
When ARMs adjust, monthly payments can increase by hundreds of dollars. A $300,000 ARM at 4% costs $1,432/month. If it adjusts to 6%, payments jump to $1,799—a $367 increase. Budget for worst-case scenarios.
⚠️ Payment Shock Risk