Ventajas de la vivienda en alquiler

Siempre ha existido un gran debate sobre las ventajas de comprar una vivienda en comparación con el alquiler. Los hay que dicen que alquilar es tirar el dinero. Los hay que afirman que las hipotecas son muy esclavas y que el alquiler es muy flexible. También los hay que defienden que con una hipoteca la casa no es realmente tuya, sino que pertenece al banco hasta que pagas la última cuota de préstamo, dentro de muchos, muchos años.

 

vivienda en alquiler mudanzas ocm

 

En España hubo una época en que comprar tenía mucho sentido, por el mero hecho de que era posible ganar dinero con ello y de que era muy fácil vender una vez tu vivienda se había revalorizado. Eran los años del boom inmobiliario y la relevancia del alquiler era entonces mínima.

Ahora bien, aunque parezca que el mercado se recupera, nadie vaticina que se vaya a producir una escalada de precios como antaño y la vivienda en alquiler se plantea de nuevo como una opción muy plausible frente a la compra.

La vivienda en alquiler; ¿por qué comprar si puedo alquilar?

A continuación te queremos plantear algunas de las ventajas de la vivienda en alquiler frente a la compra, para que seas tú quien tome la decisión; una decisión informada.

  1. Para contratar una hipoteca necesitarás aportar una entrada bastante cuantiosa; para la vivienda en alquiler, solamente deberás pagar un mes de fianza por adelantado y el primer mes de alquiler. Cierto es que dependiendo del propietario se te podrán exigir garantías adicionales tales como avales bancarios o depósitos adicionales, pero hay mucha oferta de vivienda en alquiler y no todos los propietarios son iguales. Por el contrario, los bancos sí son muy parecidos entre sí y si te exigen una entrada en un banco, es muy probable que te exijan una entrada similar en el siguiente banco que preguntes.
  2. Si te vas a mudar a una ciudad (o país) nueva, ¿cómo pretendes tomar una decisión tan importante como la de comprar una vivienda, sin conocer bien el mercado, las zonas, los precios, etc.? La vivienda en alquiler te permite aterrizar en tu nuevo destino sin asumir grandes riesgos, con la flexibilidad de poder mudarte fácilmente en el corto plazo si la zona a la que te has trasladado no te convence.
  3. En la vivienda alquiler, prácticamente te puedes desentender del mantenimiento y conservación porque en la mayoría de las ocasiones, estos menesteres serán obligación del propietario. Si te disgusta el bricolaje o simplemente no se te da bien, la vivienda en alquiler te permite no tener que invertir tiempo y dinero en mantener el inmueble.
  4. El compromiso de un alquiler es simplemente menor. Por supuesto que se trata de un asunto económico pero también es temporal; ¿durante cuánto tiempo te puedes o quieres comprometer al pago de un alquiler? ¿Desconoces si vas a tener que mudarte en el corto plazo? ¿Tu trabajo implica la posibilidad de un cambio de destino? Este tipo de incertidumbre hace que la vivienda en alquiler sea una alternativa mucho más coherente que la compra.
  5. En la mayoría de las ocasiones, por el mismo dinero que pagas por la letra de una hipoteca, consigues una vivienda en alquiler más grande o mejor situada que si optas por comprarla. Esto es así puesto que existen gastos (comisiones, intereses, notario, registro, impuestos, etc.) en las transacciones hipotecarias que lógicamente no se producen en los arrendamientos.

Éstas son las principales ventajas del alquiler frente a la compra pero llegado el momento de buscar la vivienda, ¿es cierto que existe menos oferta para alquilar que para comprar? La realidad es que sí; España ha sido siempre un país de propietarios y, al contrario que en el norte de Europa, en nuestro país existe mucha más oferta en venta. Ahora bien, dicho esto, existen diversos portales inmobiliarios que nos facilitan la labor de encontrar vivienda en alquiler. Aquí te ofrecemos una muestra; en tu mano queda encontrar el hogar soñado.

Y recuerda; llegado el momento de mudarte, Mudanzas OCM está a tu entera disposición; ¡hasta la próxima!

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