Calculadora Hipotecaria

Precio de venta:
Porciento de pronto: %
Términos de Años: años
Interés anual: %
 


Información de Pagos de la Hipoteca:
Pronto Pago: $10,395.00
Precio a Financiar: $197,505.00
Pago Mensual: $1,314.01


Mes: Interés Pagado: Principal Pagado: Balance Restante:
1 $1,152.11 $161.89 $197,343.11
2 $1,151.17 $162.84 $197,180.27
3 $1,150.22 $163.79 $197,016.48
4 $1,149.26 $164.74 $196,851.74
5 $1,148.30 $165.70 $196,686.04
6 $1,147.34 $166.67 $196,519.36
7 $1,146.36 $167.64 $196,351.72
8 $1,145.39 $168.62 $196,183.10
9 $1,144.40 $169.60 $196,013.50
10 $1,143.41 $170.59 $195,842.90
11 $1,142.42 $171.59 $195,671.31
12 $1,141.42 $172.59 $195,498.72
Total de años: 1
  Usted invertirá: $15,768.07 en su casa en el año 1
$13,761.79 irá al INTERES
$2,006.28 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
13 $1,140.41 $173.60 $195,325.13
14 $1,139.40 $174.61 $195,150.52
15 $1,138.38 $175.63 $194,974.89
16 $1,137.35 $176.65 $194,798.24
17 $1,136.32 $177.68 $194,620.56
18 $1,135.29 $178.72 $194,441.84
19 $1,134.24 $179.76 $194,262.08
20 $1,133.20 $180.81 $194,081.27
21 $1,132.14 $181.86 $193,899.40
22 $1,131.08 $182.93 $193,716.47
23 $1,130.01 $183.99 $193,532.48
24 $1,128.94 $185.07 $193,347.42
Total de años: 2
  Usted invertirá: $15,768.07 en su casa en el año 2
$13,616.76 irá al INTERES
$2,151.31 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
25 $1,127.86 $186.15 $193,161.27
26 $1,126.77 $187.23 $192,974.04
27 $1,125.68 $188.32 $192,785.71
28 $1,124.58 $189.42 $192,596.29
29 $1,123.48 $190.53 $192,405.76
30 $1,122.37 $191.64 $192,214.13
31 $1,121.25 $192.76 $192,021.37
32 $1,120.12 $193.88 $191,827.49
33 $1,118.99 $195.01 $191,632.48
34 $1,117.86 $196.15 $191,436.33
35 $1,116.71 $197.29 $191,239.03
36 $1,115.56 $198.44 $191,040.59
Total de años: 3
  Usted invertirá: $15,768.07 en su casa en el año 3
$13,461.24 irá al INTERES
$2,306.83 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
37 $1,114.40 $199.60 $190,840.99
38 $1,113.24 $200.77 $190,640.22
39 $1,112.07 $201.94 $190,438.28
40 $1,110.89 $203.12 $190,235.17
41 $1,109.71 $204.30 $190,030.87
42 $1,108.51 $205.49 $189,825.37
43 $1,107.31 $206.69 $189,618.68
44 $1,106.11 $207.90 $189,410.79
45 $1,104.90 $209.11 $189,201.68
46 $1,103.68 $210.33 $188,991.35
47 $1,102.45 $211.56 $188,779.79
48 $1,101.22 $212.79 $188,567.00
Total de años: 4
  Usted invertirá: $15,768.07 en su casa en el año 4
$13,294.48 irá al INTERES
$2,473.59 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
49 $1,099.97 $214.03 $188,352.97
50 $1,098.73 $215.28 $188,137.69
51 $1,097.47 $216.54 $187,921.15
52 $1,096.21 $217.80 $187,703.35
53 $1,094.94 $219.07 $187,484.28
54 $1,093.66 $220.35 $187,263.94
55 $1,092.37 $221.63 $187,042.30
56 $1,091.08 $222.93 $186,819.38
57 $1,089.78 $224.23 $186,595.15
58 $1,088.47 $225.53 $186,369.62
59 $1,087.16 $226.85 $186,142.77
60 $1,085.83 $228.17 $185,914.60
Total de años: 5
  Usted invertirá: $15,768.07 en su casa en el año 5
$13,115.66 irá al INTERES
$2,652.40 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
61 $1,084.50 $229.50 $185,685.09
62 $1,083.16 $230.84 $185,454.25
63 $1,081.82 $232.19 $185,222.06
64 $1,080.46 $233.54 $184,988.52
65 $1,079.10 $234.91 $184,753.61
66 $1,077.73 $236.28 $184,517.33
67 $1,076.35 $237.65 $184,279.68
68 $1,074.96 $239.04 $184,040.64
69 $1,073.57 $240.44 $183,800.20
70 $1,072.17 $241.84 $183,558.37
71 $1,070.76 $243.25 $183,315.12
72 $1,069.34 $244.67 $183,070.45
Total de años: 6
  Usted invertirá: $15,768.07 en su casa en el año 6
$12,923.92 irá al INTERES
$2,844.15 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
73 $1,067.91 $246.09 $182,824.36
74 $1,066.48 $247.53 $182,576.83
75 $1,065.03 $248.97 $182,327.85
76 $1,063.58 $250.43 $182,077.42
77 $1,062.12 $251.89 $181,825.54
78 $1,060.65 $253.36 $181,572.18
79 $1,059.17 $254.83 $181,317.35
80 $1,057.68 $256.32 $181,061.02
81 $1,056.19 $257.82 $180,803.21
82 $1,054.69 $259.32 $180,543.89
83 $1,053.17 $260.83 $180,283.05
84 $1,051.65 $262.35 $180,020.70
Total de años: 7
  Usted invertirá: $15,768.07 en su casa en el año 7
$12,718.32 irá al INTERES
$3,049.75 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
85 $1,050.12 $263.88 $179,756.82
86 $1,048.58 $265.42 $179,491.39
87 $1,047.03 $266.97 $179,224.42
88 $1,045.48 $268.53 $178,955.89
89 $1,043.91 $270.10 $178,685.79
90 $1,042.33 $271.67 $178,414.12
91 $1,040.75 $273.26 $178,140.86
92 $1,039.16 $274.85 $177,866.01
93 $1,037.55 $276.45 $177,589.56
94 $1,035.94 $278.07 $177,311.49
95 $1,034.32 $279.69 $177,031.80
96 $1,032.69 $281.32 $176,750.48
Total de años: 8
  Usted invertirá: $15,768.07 en su casa en el año 8
$12,497.85 irá al INTERES
$3,270.22 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
97 $1,031.04 $282.96 $176,467.52
98 $1,029.39 $284.61 $176,182.91
99 $1,027.73 $286.27 $175,896.64
100 $1,026.06 $287.94 $175,608.70
101 $1,024.38 $289.62 $175,319.07
102 $1,022.69 $291.31 $175,027.76
103 $1,021.00 $293.01 $174,734.75
104 $1,019.29 $294.72 $174,440.03
105 $1,017.57 $296.44 $174,143.59
106 $1,015.84 $298.17 $173,845.43
107 $1,014.10 $299.91 $173,545.52
108 $1,012.35 $301.66 $173,243.86
Total de años: 9
  Usted invertirá: $15,768.07 en su casa en el año 9
$12,261.45 irá al INTERES
$3,506.62 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
109 $1,010.59 $303.42 $172,940.45
110 $1,008.82 $305.19 $172,635.26
111 $1,007.04 $306.97 $172,328.29
112 $1,005.25 $308.76 $172,019.54
113 $1,003.45 $310.56 $171,708.98
114 $1,001.64 $312.37 $171,396.61
115 $999.81 $314.19 $171,082.42
116 $997.98 $316.02 $170,766.39
117 $996.14 $317.87 $170,448.52
118 $994.28 $319.72 $170,128.80
119 $992.42 $321.59 $169,807.21
120 $990.54 $323.46 $169,483.75
Total de años: 10
  Usted invertirá: $15,768.07 en su casa en el año 10
$12,007.95 irá al INTERES
$3,760.11 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
121 $988.66 $325.35 $169,158.40
122 $986.76 $327.25 $168,831.15
123 $984.85 $329.16 $168,501.99
124 $982.93 $331.08 $168,170.91
125 $981.00 $333.01 $167,837.91
126 $979.05 $334.95 $167,502.95
127 $977.10 $336.91 $167,166.05
128 $975.14 $338.87 $166,827.18
129 $973.16 $340.85 $166,486.33
130 $971.17 $342.84 $166,143.50
131 $969.17 $344.84 $165,798.66
132 $967.16 $346.85 $165,451.81
Total de años: 11
  Usted invertirá: $15,768.07 en su casa en el año 11
$11,736.13 irá al INTERES
$4,031.93 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
133 $965.14 $348.87 $165,102.94
134 $963.10 $350.91 $164,752.04
135 $961.05 $352.95 $164,399.09
136 $958.99 $355.01 $164,044.08
137 $956.92 $357.08 $163,686.99
138 $954.84 $359.16 $163,327.83
139 $952.75 $361.26 $162,966.57
140 $950.64 $363.37 $162,603.20
141 $948.52 $365.49 $162,237.71
142 $946.39 $367.62 $161,870.10
143 $944.24 $369.76 $161,500.33
144 $942.09 $371.92 $161,128.41
Total de años: 12
  Usted invertirá: $15,768.07 en su casa en el año 12
$11,444.67 irá al INTERES
$4,323.40 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
145 $939.92 $374.09 $160,754.32
146 $937.73 $376.27 $160,378.05
147 $935.54 $378.47 $159,999.58
148 $933.33 $380.67 $159,618.91
149 $931.11 $382.90 $159,236.01
150 $928.88 $385.13 $158,850.88
151 $926.63 $387.38 $158,463.51
152 $924.37 $389.64 $158,073.87
153 $922.10 $391.91 $157,681.96
154 $919.81 $394.19 $157,287.77
155 $917.51 $396.49 $156,891.28
156 $915.20 $398.81 $156,492.47
Total de años: 13
  Usted invertirá: $15,768.07 en su casa en el año 13
$11,132.13 irá al INTERES
$4,635.94 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
157 $912.87 $401.13 $156,091.34
158 $910.53 $403.47 $155,687.86
159 $908.18 $405.83 $155,282.04
160 $905.81 $408.19 $154,873.84
161 $903.43 $410.57 $154,463.27
162 $901.04 $412.97 $154,050.30
163 $898.63 $415.38 $153,634.92
164 $896.20 $417.80 $153,217.12
165 $893.77 $420.24 $152,796.88
166 $891.32 $422.69 $152,374.19
167 $888.85 $425.16 $151,949.03
168 $886.37 $427.64 $151,521.40
Total de años: 14
  Usted invertirá: $15,768.07 en su casa en el año 14
$10,796.99 irá al INTERES
$4,971.07 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
169 $883.87 $430.13 $151,091.26
170 $881.37 $432.64 $150,658.62
171 $878.84 $435.16 $150,223.46
172 $876.30 $437.70 $149,785.76
173 $873.75 $440.26 $149,345.50
174 $871.18 $442.82 $148,902.68
175 $868.60 $445.41 $148,457.27
176 $866.00 $448.00 $148,009.27
177 $863.39 $450.62 $147,558.65
178 $860.76 $453.25 $147,105.40
179 $858.11 $455.89 $146,649.51
180 $855.46 $458.55 $146,190.96
Total de años: 15
  Usted invertirá: $15,768.07 en su casa en el año 15
$10,437.63 irá al INTERES
$5,330.43 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
181 $852.78 $461.23 $145,729.74
182 $850.09 $463.92 $145,265.82
183 $847.38 $466.62 $144,799.20
184 $844.66 $469.34 $144,329.86
185 $841.92 $472.08 $143,857.77
186 $839.17 $474.84 $143,382.94
187 $836.40 $477.61 $142,905.33
188 $833.61 $480.39 $142,424.94
189 $830.81 $483.19 $141,941.75
190 $827.99 $486.01 $141,455.74
191 $825.16 $488.85 $140,966.89
192 $822.31 $491.70 $140,475.19
Total de años: 16
  Usted invertirá: $15,768.07 en su casa en el año 16
$10,052.30 irá al INTERES
$5,715.77 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
193 $819.44 $494.57 $139,980.62
194 $816.55 $497.45 $139,483.17
195 $813.65 $500.35 $138,982.82
196 $810.73 $503.27 $138,479.54
197 $807.80 $506.21 $137,973.34
198 $804.84 $509.16 $137,464.18
199 $801.87 $512.13 $136,952.04
200 $798.89 $515.12 $136,436.93
201 $795.88 $518.12 $135,918.80
202 $792.86 $521.15 $135,397.66
203 $789.82 $524.19 $134,873.47
204 $786.76 $527.24 $134,346.23
Total de años: 17
  Usted invertirá: $15,768.07 en su casa en el año 17
$9,639.10 irá al INTERES
$6,128.96 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
205 $783.69 $530.32 $133,815.91
206 $780.59 $533.41 $133,282.49
207 $777.48 $536.52 $132,745.97
208 $774.35 $539.65 $132,206.31
209 $771.20 $542.80 $131,663.51
210 $768.04 $545.97 $131,117.54
211 $764.85 $549.15 $130,568.39
212 $761.65 $552.36 $130,016.03
213 $758.43 $555.58 $129,460.46
214 $755.19 $558.82 $128,901.64
215 $751.93 $562.08 $128,339.56
216 $748.65 $565.36 $127,774.20
Total de años: 18
  Usted invertirá: $15,768.07 en su casa en el año 18
$9,196.04 irá al INTERES
$6,572.03 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
217 $745.35 $568.66 $127,205.54
218 $742.03 $571.97 $126,633.57
219 $738.70 $575.31 $126,058.26
220 $735.34 $578.67 $125,479.59
221 $731.96 $582.04 $124,897.55
222 $728.57 $585.44 $124,312.11
223 $725.15 $588.85 $123,723.26
224 $721.72 $592.29 $123,130.98
225 $718.26 $595.74 $122,535.23
226 $714.79 $599.22 $121,936.02
227 $711.29 $602.71 $121,333.31
228 $707.78 $606.23 $120,727.08
Total de años: 19
  Usted invertirá: $15,768.07 en su casa en el año 19
$8,720.95 irá al INTERES
$7,047.12 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
229 $704.24 $609.76 $120,117.31
230 $700.68 $613.32 $119,503.99
231 $697.11 $616.90 $118,887.09
232 $693.51 $620.50 $118,266.59
233 $689.89 $624.12 $117,642.48
234 $686.25 $627.76 $117,014.72
235 $682.59 $631.42 $116,383.30
236 $678.90 $635.10 $115,748.20
237 $675.20 $638.81 $115,109.39
238 $671.47 $642.53 $114,466.85
239 $667.72 $646.28 $113,820.57
240 $663.95 $650.05 $113,170.52
Total de años: 20
  Usted invertirá: $15,768.07 en su casa en el año 20
$8,211.51 irá al INTERES
$7,556.56 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
241 $660.16 $653.84 $112,516.68
242 $656.35 $657.66 $111,859.02
243 $652.51 $661.49 $111,197.52
244 $648.65 $665.35 $110,532.17
245 $644.77 $669.23 $109,862.93
246 $640.87 $673.14 $109,189.80
247 $636.94 $677.07 $108,512.73
248 $632.99 $681.01 $107,831.72
249 $629.02 $684.99 $107,146.73
250 $625.02 $688.98 $106,457.74
251 $621.00 $693.00 $105,764.74
252 $616.96 $697.04 $105,067.70
Total de años: 21
  Usted invertirá: $15,768.07 en su casa en el año 21
$7,665.25 irá al INTERES
$8,102.82 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
253 $612.89 $701.11 $104,366.59
254 $608.81 $705.20 $103,661.39
255 $604.69 $709.31 $102,952.07
256 $600.55 $713.45 $102,238.62
257 $596.39 $717.61 $101,521.01
258 $592.21 $721.80 $100,799.21
259 $588.00 $726.01 $100,073.20
260 $583.76 $730.25 $99,342.95
261 $579.50 $734.51 $98,608.45
262 $575.22 $738.79 $97,869.66
263 $570.91 $743.10 $97,126.56
264 $566.57 $747.43 $96,379.12
Total de años: 22
  Usted invertirá: $15,768.07 en su casa en el año 22
$7,079.49 irá al INTERES
$8,688.58 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
265 $562.21 $751.79 $95,627.33
266 $557.83 $756.18 $94,871.15
267 $553.42 $760.59 $94,110.56
268 $548.98 $765.03 $93,345.53
269 $544.52 $769.49 $92,576.04
270 $540.03 $773.98 $91,802.06
271 $535.51 $778.49 $91,023.57
272 $530.97 $783.03 $90,240.53
273 $526.40 $787.60 $89,452.93
274 $521.81 $792.20 $88,660.73
275 $517.19 $796.82 $87,863.92
276 $512.54 $801.47 $87,062.45
Total de años: 23
  Usted invertirá: $15,768.07 en su casa en el año 23
$6,451.40 irá al INTERES
$9,316.67 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
277 $507.86 $806.14 $86,256.31
278 $503.16 $810.84 $85,445.46
279 $498.43 $815.57 $84,629.89
280 $493.67 $820.33 $83,809.56
281 $488.89 $825.12 $82,984.44
282 $484.08 $829.93 $82,154.51
283 $479.23 $834.77 $81,319.74
284 $474.37 $839.64 $80,480.10
285 $469.47 $844.54 $79,635.56
286 $464.54 $849.46 $78,786.10
287 $459.59 $854.42 $77,931.68
288 $454.60 $859.40 $77,072.27
Total de años: 24
  Usted invertirá: $15,768.07 en su casa en el año 24
$5,777.89 irá al INTERES
$9,990.18 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
289 $449.59 $864.42 $76,207.86
290 $444.55 $869.46 $75,338.40
291 $439.47 $874.53 $74,463.86
292 $434.37 $879.63 $73,584.23
293 $429.24 $884.76 $72,699.47
294 $424.08 $889.93 $71,809.54
295 $418.89 $895.12 $70,914.43
296 $413.67 $900.34 $70,014.09
297 $408.42 $905.59 $69,108.50
298 $403.13 $910.87 $68,197.62
299 $397.82 $916.19 $67,281.44
300 $392.48 $921.53 $66,359.91
Total de años: 25
  Usted invertirá: $15,768.07 en su casa en el año 25
$5,055.70 irá al INTERES
$10,712.37 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
301 $387.10 $926.91 $65,433.00
302 $381.69 $932.31 $64,500.69
303 $376.25 $937.75 $63,562.94
304 $370.78 $943.22 $62,619.71
305 $365.28 $948.72 $61,670.99
306 $359.75 $954.26 $60,716.73
307 $354.18 $959.82 $59,756.91
308 $348.58 $965.42 $58,791.48
309 $342.95 $971.06 $57,820.43
310 $337.29 $976.72 $56,843.71
311 $331.59 $982.42 $55,861.29
312 $325.86 $988.15 $54,873.14
Total de años: 26
  Usted invertirá: $15,768.07 en su casa en el año 26
$4,281.30 irá al INTERES
$11,486.76 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
313 $320.09 $993.91 $53,879.23
314 $314.30 $999.71 $52,879.52
315 $308.46 $1,005.54 $51,873.98
316 $302.60 $1,011.41 $50,862.57
317 $296.70 $1,017.31 $49,845.26
318 $290.76 $1,023.24 $48,822.02
319 $284.80 $1,029.21 $47,792.81
320 $278.79 $1,035.21 $46,757.60
321 $272.75 $1,041.25 $45,716.34
322 $266.68 $1,047.33 $44,669.02
323 $260.57 $1,053.44 $43,615.58
324 $254.42 $1,059.58 $42,556.00
Total de años: 27
  Usted invertirá: $15,768.07 en su casa en el año 27
$3,450.92 irá al INTERES
$12,317.14 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
325 $248.24 $1,065.76 $41,490.24
326 $242.03 $1,071.98 $40,418.26
327 $235.77 $1,078.23 $39,340.02
328 $229.48 $1,084.52 $38,255.50
329 $223.16 $1,090.85 $37,164.65
330 $216.79 $1,097.21 $36,067.44
331 $210.39 $1,103.61 $34,963.83
332 $203.96 $1,110.05 $33,853.78
333 $197.48 $1,116.53 $32,737.25
334 $190.97 $1,123.04 $31,614.22
335 $184.42 $1,129.59 $30,484.63
336 $177.83 $1,136.18 $29,348.45
Total de años: 28
  Usted invertirá: $15,768.07 en su casa en el año 28
$2,560.52 irá al INTERES
$13,207.55 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
337 $171.20 $1,142.81 $28,205.64
338 $164.53 $1,149.47 $27,056.17
339 $157.83 $1,156.18 $25,899.99
340 $151.08 $1,162.92 $24,737.07
341 $144.30 $1,169.71 $23,567.36
342 $137.48 $1,176.53 $22,390.83
343 $130.61 $1,183.39 $21,207.44
344 $123.71 $1,190.30 $20,017.14
345 $116.77 $1,197.24 $18,819.91
346 $109.78 $1,204.22 $17,615.68
347 $102.76 $1,211.25 $16,404.43
348 $95.69 $1,218.31 $15,186.12
Total de años: 29
  Usted invertirá: $15,768.07 en su casa en el año 29
$1,605.74 irá al INTERES
$14,162.33 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
349 $88.59 $1,225.42 $13,960.70
350 $81.44 $1,232.57 $12,728.13
351 $74.25 $1,239.76 $11,488.38
352 $67.02 $1,246.99 $10,241.38
353 $59.74 $1,254.26 $8,987.12
354 $52.42 $1,261.58 $7,725.54
355 $45.07 $1,268.94 $6,456.60
356 $37.66 $1,276.34 $5,180.26
357 $30.22 $1,283.79 $3,896.47
358 $22.73 $1,291.28 $2,605.19
359 $15.20 $1,298.81 $1,306.39
360 $7.62 $1,306.39 $0.00
Total de años: 30
  Usted invertirá: $15,768.07 en su casa en el año 30
$581.95 irá al INTERES
$15,186.12 irá al PRINCIPAL
 

Los resultados obtenidos en esta página no representa una oferta, ni aprobación de la hipoteca ni pago.