valor neto de la vivienda
/baloɾ neto de la bibjenda/from spelling rules
The English phrase 'home equity' is translated into Spanish as valor neto de la vivienda.
The phrase is used to describe the difference between the current market value of a home and the amount still owed on its mortgage. It is typically employed in formal financial, real estate and legal contexts to describe the equity held in a property.
What does it mean word for word?
The phrase is composed of valor (value), neto (net), de la (of the) and vivienda (dwelling/housing).
Which one should you use?
While valor neto de la vivienda is a standard way to express the concept, capital acumulado en la vivienda is a common alternative used specifically in financial contexts to mean 'accumulated capital in the home'.
Is it said differently in some regions?
In Spain, valor neto de la vivienda is a way to convey 'home equity'.
Did you know?
- The word vivienda comes from a Latin term meaning 'things to be lived', and it is a linguistic relative of the French word viande ('meat').
- While vivienda refers to the dwelling, Spanish speakers often use hogar to describe the emotional concept of 'home', but hogar is almost never used in financial phrases like valor neto.
- In many Spanish-speaking legal documents, you might see valor de realización instead of valor neto, which refers to the value a property would fetch upon a forced sale.
Examples in context
- Nuestro patrimonio neto inmobiliario refleja la solidez de nuestras inversiones.Our home equity reflects the strength of our investments.
- El valor neto de la vivienda ha subido este año.The home equity has increased this year.
- Necesito calcular el valor neto de la vivienda para el préstamo.I need to calculate the home equity for the loan.
Example conversation
Elena and Javier are discussing their financial plans for the house.
- ElenaJavier, deberíamos revisar nuestro valor neto de la vivienda.Javier, we should check our home equity.
- JavierTienes razón, Elena. ¿Ha subido el precio del mercado?You're right, Elena. Has the market price gone up?
- ElenaSí, así que tenemos más valor neto de la vivienda.Yes, so we have more home equity.
- JavierEso es genial para nuestro futuro financiero.That is great for our financial future.
