{"id":185565,"date":"2026-03-29T08:00:00","date_gmt":"2026-03-29T08:00:00","guid":{"rendered":"https:\/\/cryptonews.com\/es\/noticias\/coinbase-better-home-first-crypto-backed-mortgage-us\/"},"modified":"2026-03-27T11:53:35","modified_gmt":"2026-03-27T11:53:35","slug":"coinbase-lanza-primera-hipoteca-con-cripto","status":"publish","type":"post","link":"https:\/\/cryptonews.com\/es\/noticias\/coinbase-lanza-primera-hipoteca-con-cripto\/","title":{"rendered":"Coinbase lanza la primera hipoteca con criptomonedas"},"content":{"rendered":"<div class=\"widget widget_block in-content-block\">\n        <div class=\"single-post-new__accordion post-block-selector-widget\" style=\"display: block;\">\n            <div class=\"single-post-new__accordion-one\">\n                <div class=\"single-post-new__accordion-head js_single-post-new__accordion-head post-block-selector\">\n                    <span class=\"icon\">\n                        <svg width=\"32\" height=\"32\" viewbox=\"0 0 32 32\" fill=\"none\" xmlns=\"https:\/\/www.w3.org\/2000\/svg\">\n                            <g clip-path=\"url(#clip0_12065_47213)\">\n                                <path d=\"M24.0055 16.0012L16.0039 24L24.0055 31.9988L32.0071 24L24.0055 16.0012Z\" fill=\"#351774\"><\/path>\n                                <path d=\"M24.0096 0H8.00391L16.0067 8L24.0096 16L32.0124 8L24.0096 0Z\" fill=\"#DC5992\"><\/path>\n                                <path d=\"M16.0056 24L8.00282 16L0 24L8.00282 32H24.0085L16.0056 24Z\" fill=\"#591C7E\"><\/path>\n                                <path d=\"M8.00282 0L0 8V24L8.00282 16L16.0056 8L8.00282 0Z\" fill=\"#A72E83\"><\/path>\n                            <\/g>\n                            <defs>\n                                <clippath id=\"clip0_12065_47213\">\n                                    <rect width=\"32\" height=\"32\" fill=\"white\"><\/rect>\n                                <\/clippath>\n                            <\/defs>\n                        <\/svg>\n\n                    <\/span>\n                    <span class=\"value mb-0\">Por qu\u00e9 confiar en CryptoNews<\/span>\n                <\/div>\n\n\n                <div class=\"single-post-new__accordion-body\" style=\"display: none\">\n                    <span style=\"font-weight: 400\">Cryptonews ha cubierto los temas de la industria de las criptomonedas desde 2017, con el objetivo de proporcionar informaci\u00f3n \u00fatil a nuestros lectores. Nuestros periodistas y analistas tienen una amplia experiencia en an\u00e1lisis de mercado y tecnolog\u00edas blockchain. Nos esforzamos por mantener altos<\/span><a href=\"https:\/\/cryptonews.com\/es\/pautas-editoriales\/\"><span style=\"font-weight: 400\">est\u00e1ndares editoriales<\/span><\/a><span style=\"font-weight: 400\">, centr\u00e1ndonos en la precisi\u00f3n de los hechos y la presentaci\u00f3n de informes equilibrados en todas las \u00e1reas, desde criptomonedas y proyectos blockchain hasta eventos de la industria, productos y desarrollos tecnol\u00f3gicos. Nuestra presencia continua en la industria refleja nuestro compromiso de brindar informaci\u00f3n relevante en el cambiante mundo de los activos digitales.<\/span><a href=\"https:\/\/cryptonews.com\/es\/sobre-nosotros\/\"><span style=\"font-weight: 400\">Lea m\u00e1s sobre Cryptonews<\/span><\/a><span style=\"font-weight: 400\">.<\/span><span style=\"font-weight: 400\">Divulgaci\u00f3n de anuncios: Creemos en la transparencia total con nuestros lectores. Algunos de nuestros contenidos incluyen enlaces de afiliados y podemos ganar una comisi\u00f3n a trav\u00e9s de estas asociaciones.<\/span>                <\/div>\n            <\/div>\n        <\/div>\n    <\/div><p class=\"wp-block-paragraph\"><strong>Coinbase<\/strong> y Better Home &#038; Finance han puesto en marcha la primera hipoteca respaldada por criptomonedas conforme a los est\u00e1ndares federales en la historia de los Estados Unidos. <\/p><p class=\"wp-block-paragraph\">Este producto financiero permite a los prestatarios pignorar <strong>Bitcoin (BTC)<\/strong> o <strong>USDC<\/strong> como garant\u00eda para un pr\u00e9stamo hipotecario respaldado por Fannie Mae, eliminando la necesidad de liquidar sus posiciones digitales para acceder a la vivienda.<\/p><p class=\"wp-block-paragraph\">Lo relevante de este lanzamiento es su integraci\u00f3n directa en el mercado hipotecario residencial estadounidense de <strong>12 billones de d\u00f3lares<\/strong>. <\/p><p class=\"wp-block-paragraph\">No se trata de una oferta privada de nicho, sino de un instrumento que cumple con las normas de las Empresas Patrocinadas por el Gobierno (GSE), contando con la misma infraestructura federal que sustenta m\u00e1s de la mitad de las compras de viviendas en el pa\u00eds.<\/p><p class=\"info-gain wp-block-paragraph\">Este avance se produce tras un cambio fundamental en la pol\u00edtica de vivienda, impulsado por una directiva del 25 de junio de 2025 del director de la FHFA, Bill Pulte, que oblig\u00f3 a Fannie Mae y Freddie Mac a considerar las <a href=\"https:\/\/cryptonews.com\/es\/criptomonedas\/mejores-criptomonedas-para-invertir\/\" target=\"_blank\" rel=\"noreferrer noopener\">mejores criptomonedas para invertir<\/a> como activos de reserva v\u00e1lidos. <\/p><p class=\"info-gain wp-block-paragraph\">Anteriormente, los organismos exig\u00edan la conversi\u00f3n total a d\u00f3lares, pero este nuevo marco permite que el capital <strong>permanezca en formato digital<\/strong>. Esto significa que los inversores cripto ya no son penalizados con cargas fiscales por venta forzosa al intentar calificar para un cr\u00e9dito tradicional. <\/p><div>\n    <section class=\"toc-sticky w-100 bg-white \">\n        <div class=\"toc-sticky__container container\">\n            <div class=\"toc-sticky__open d-flex align-items-end\" data-bs-toggle=\"collapse\" aria-controls=\"multiCollapse1\" data-bs-target=\"#multiCollapse1\">\n                <button class=\"btn btn-primary collapse-action-btn p-1 rounded-circle\" type=\"button\">\n                    <i class=\"icon-chevron-up\"><\/i>\n                <\/button>\n                <span class=\"toc-main-title-permanent\">Table of Contents<\/span>\n            <\/div>\n            <div class=\"collapse  show my-3\" id=\"multiCollapse1\">\n                <ol class=\"StepProgress\">\n                    <li class=\"StepProgress-item current\">En este art\u00edculo<\/li>\n                                                                    <div class=\"StepProgress-item__group\">\n                            <a data-id=\"h-mecanica-y-recortes-de-valoracion-el-costo-del-colateral\" class=\"StepProgress-item__link\" data-level=\"2\">Mec\u00e1nica y recortes de valoraci\u00f3n: El costo del colateral<\/a>\n                                                    <\/div>\n                                                \n                                                                        <li class=\"StepProgress-item subList-in-progress\">\n                                                <div class=\"StepProgress-item__group\">\n                            <a data-id=\"h-restricciones-y-el-futuro-de-la-infraestructura-institucional\" class=\"StepProgress-item__link\" data-level=\"2\">Restricciones y el futuro de la infraestructura institucional<\/a>\n                                                            <span class=\"StepProgress-item__link-sub\"><\/span>\n                                                    <\/div>\n                                                    <ol class=\"StepProgress-sub-list collapse\" id=\"TOC1sublist-h-restricciones-y-el-futuro-de-la-infraestructura-institucional\">\n                                                                    <li class=\"StepProgress-sub-item\">\n                                        <span>\n                                          <a data-id=\"h-ultimas-noticias-de-mercado\" class=\"StepProgress-item__link\" data-level=\"3\">\u00daltimas noticias de mercado:<\/a>\n                                        <\/span>\n                                    <\/li>\n                                                            <\/ol>\n                                                <\/li>\n                                    <\/ol>\n                <div class=\"toc-sticky__container__disperse\"><\/div>\n            <\/div>\n        <\/div>\n    <\/section>\n    <div class=\"toc-sticky-list\">\n        <div class=\"toc-sticky__container container\">\n            <div class=\"toc-sticky__open d-flex align-items-end\" data-bs-toggle=\"collapse\" aria-controls=\"multiCollapse2\" data-bs-target=\"#multiCollapse2\">\n                <button class=\"btn btn-primary collapse-action-btn p-1 rounded-circle\" type=\"button\">\n                    <i class=\"icon-chevron-up up\"><\/i>\n                <\/button>\n            <\/div>\n            <div class=\"collapse show my-3\" id=\"multiCollapse2\">\n                <ol class=\"StepProgress\">\n                    <li class=\"StepProgress-item current\">En este art\u00edculo<\/li>\n\n                                                                                                                        <li class=\"StepProgress-item \">\n                                                <div class=\"StepProgress-item__group\">\n                            <a data-id=\"h-mecanica-y-recortes-de-valoracion-el-costo-del-colateral\" class=\"StepProgress-item__link\" data-level=\"2\">Mec\u00e1nica y recortes de valoraci\u00f3n: El costo del colateral<\/a>\n                                                    <\/div>\n                                                <\/li>\n                                                                                                                    <li class=\"StepProgress-item subList-in-progress \">\n                                                <div class=\"StepProgress-item__group\">\n                            <a data-id=\"h-restricciones-y-el-futuro-de-la-infraestructura-institucional\" class=\"StepProgress-item__link\" data-level=\"2\">Restricciones y el futuro de la infraestructura institucional<\/a>\n                                                            <span class=\"StepProgress-item__link-sub\"><\/span>\n                                                    <\/div>\n                                                    <ol class=\"StepProgress-sub-list collapse\" id=\"sublist-h-restricciones-y-el-futuro-de-la-infraestructura-institucional\">\n                                                                    <li class=\"StepProgress-sub-item\">\n                                        <span>\n                                          <a data-id=\"h-ultimas-noticias-de-mercado\" class=\"StepProgress-item__link\" data-level=\"3\">\u00daltimas noticias de mercado:<\/a>\n                                        <\/span>\n                                    <\/li>\n                                                            <\/ol>\n                                                <\/li>\n                                    <\/ol>\n            <\/div>\n            <div class=\"toc-sticky__container__disperse\"><\/div>\n        <\/div>\n    <\/div>\n<\/div><script id=\"toc-js\">\n    window.addEventListener(\"DOMContentLoaded\", () => {\n        const header = document.querySelector(\".header_wrapper\");\n\n        const pageLegend = 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valoraci\u00f3n: El costo del colateral<\/h2><span class=\"replacer\"><\/span><p class=\"wp-block-paragraph\">Aunque el anuncio es hist\u00f3rico, el mecanismo operativo revela una gesti\u00f3n de riesgo estricta. Para fines de colateral, el BTC se descuenta al <strong>40% de su valor de mercado<\/strong>, mientras que el USDC se valora al 80%. <\/p><p class=\"wp-block-paragraph\">Esto implica que un prestatario que aporte 100.000 d\u00f3lares en Bitcoin recibir\u00e1 un cr\u00e9dito de 40.000 d\u00f3lares para su pago inicial. Este \u00abrecorte\u00bb (haircut) es lo que permite que las cifras cuadren para las instituciones federales, aunque exige una sobrecolateralizaci\u00f3n significativa por parte del usuario.<\/p><p class=\"wp-block-paragraph\">El producto se estructura mediante dos instrumentos superpuestos: una hipoteca primaria convencional respaldada por Fannie Mae y una segunda hipoteca que cubre el pago inicial, garantizada por los activos criptogr\u00e1ficos comprometidos. <\/p><p class=\"wp-block-paragraph\"><strong>Coinbase<\/strong> act\u00faa como custodio de estos activos; los prestatarios mantienen la propiedad, pero el colateral queda bloqueado durante la vigencia del pr\u00e9stamo.<\/p><p class=\"wp-block-paragraph\"><\/p><blockquote class=\"twitter-tweet\"><p lang=\"en\" dir=\"ltr\">Get your house and keep your crypto.<br><br>Crypto-backed mortgages are here &#8211; increasing access to homeownership for millions of Americans.<br><br>Buy a home without converting your portfolio by using BTC or USDC as collateral for your down payment.<br><br>Offered by Better, powered by Coinbase. <a href=\"https:\/\/t.co\/9hfL3fVty5\">pic.twitter.com\/9hfL3fVty5<\/a><\/p>\u2014 Coinbase \ud83d\udee1\ufe0f (@coinbase) <a href=\"https:\/\/twitter.com\/coinbase\/status\/2037146481300279410?ref_src=twsrc%5Etfw\">March 26, 2026<\/a><\/blockquote><p class=\"wp-block-paragraph\">A diferencia de los pr\u00e9stamos en plataformas DeFi, este sistema no incluye llamadas de margen (margin calls). El colateral no corre riesgo ante <strong>ca\u00eddas de precio a corto plazo<\/strong>. <\/p><p class=\"wp-block-paragraph\">La posici\u00f3n en criptomonedas s\u00f3lo puede ser ejecutada por el prestamista tras 60 d\u00edas o m\u00e1s de morosidad, aline\u00e1ndose con los plazos est\u00e1ndar de ejecuci\u00f3n hipotecaria y desacoplando el riesgo crediticio de la volatilidad diaria de los mercados digitales.<\/p><p class=\"info-gain wp-block-paragraph\">Para el a\u00f1o 2026, la FHFA ha establecido el l\u00edmite de pr\u00e9stamos conformes en 832.750 d\u00f3lares, lo que define el alcance m\u00e1ximo de estas hipotecas respaldadas por cripto bajo esta estructura espec\u00edfica. <\/p><p class=\"info-gain wp-block-paragraph\">Cualquier monto que supere esta cifra se clasificar\u00eda como pr\u00e9stamos \u00abJumbo\u00bb, los cuales no gozan de las mismas protecciones de las GSE. Por lo tanto, el uso de Coinbase como garante est\u00e1 actualmente optimizado para el segmento de vivienda media, dejando las<strong> propiedades de lujo fuera de este marco<\/strong> normativo inicial.<\/p><h2 class=\"wp-block-heading\">Restricciones y el futuro de la infraestructura institucional<\/h2><span class=\"replacer\"><\/span><p class=\"wp-block-paragraph\">Para calificar, los activos deben estar depositados en exchanges regulados en EE. UU. que cumplan con las normativas contra el blanqueo de capitales (AML) y poseer un historial de tenencia documentado de al menos 60 d\u00edas. <\/p><p class=\"wp-block-paragraph\">Quedan <strong>excluidas las billeteras fr\u00edas <\/strong>(<a href=\"https:\/\/cryptonews.com\/es\/criptomonedas\/cold-wallet\/\" target=\"_blank\" rel=\"noreferrer noopener\">cold wallets<\/a>), las posiciones en protocolos DeFi y los activos en staking. Este marco es estrecho por dise\u00f1o, priorizando la compatibilidad con las GSE sobre la flexibilidad del usuario.<\/p><p class=\"wp-block-paragraph\">La arquitectura de esta pol\u00edtica se basa en la fase 1 de las propuestas de la FHFA, que actualmente revisa est\u00e1ndares de documentaci\u00f3n y tratamiento de volatilidad. Se espera un cronograma de 6 a 12 meses antes del despliegue de los criterios de la Fase 2, lo que podr\u00eda ampliar la adopci\u00f3n institucional. <\/p><p class=\"wp-block-paragraph\">Mientras tanto, otros actores como el prestamista Newrez ya han lanzado programas paralelos, confirmando que la integraci\u00f3n de las criptomonedas<strong> en el sistema financiero tradicional <\/strong>es una tendencia en expansi\u00f3n.<\/p><h3 class=\"wp-block-heading\">\u00daltimas noticias de mercado:<\/h3><ol class=\"wp-block-list\">\n<li><a href=\"https:\/\/cryptonews.com\/es\/noticias\/alerta-malware-que-vacia-728-crypto-wallets\/\" target=\"_blank\" rel=\"noreferrer noopener\">Alerta: el malware que vac\u00eda 728 crypto wallets<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/cryptonews.com\/es\/noticias\/coinbase-rechaza-ley-de-claridad-beneficiar-bancos\/\" target=\"_blank\" rel=\"noreferrer noopener\">Coinbase rechaza la Ley de Claridad por beneficiar a los Bancos<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/cryptonews.com\/es\/noticias\/solana-precio-analisis-derivados\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u00bfVeremos una ruptura real en el precio de SOL o es una trampa de liquidez?<\/a><\/li>\n<\/ol><p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>Coinbase y Better Home lanzan hipotecas respaldadas por Bitcoin y USDC bajo est\u00e1ndares de Fannie Mae, marcando un hito en el mercado de $12 billones.<\/p>\n","protected":false},"author":759,"featured_media":185567,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[42],"tags":[175,106],"redactores":[512],"sponsored_companies":[],"class_list":["post-185565","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance-news","tag-coinbase","tag-regulacion","redactores-marina-flores"],"acf":[],"yoast_head":"<!-- This site is optimized with 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