Calculadora Hipotecaria

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


Información de Pagos de la Hipoteca:
Pronto Pago: $10,400.00
Precio a Financiar: $197,600.00
Pago Mensual: $1,314.64


Mes: Interés Pagado: Principal Pagado: Balance Restante:
1 $1,152.67 $161.97 $197,438.03
2 $1,151.72 $162.92 $197,275.11
3 $1,150.77 $163.87 $197,111.25
4 $1,149.82 $164.82 $196,946.42
5 $1,148.85 $165.78 $196,780.64
6 $1,147.89 $166.75 $196,613.89
7 $1,146.91 $167.72 $196,446.17
8 $1,145.94 $168.70 $196,277.47
9 $1,144.95 $169.69 $196,107.78
10 $1,143.96 $170.68 $195,937.10
11 $1,142.97 $171.67 $195,765.43
12 $1,141.97 $172.67 $195,592.76
Total de años: 1
  Usted invertirá: $15,775.65 en su casa en el año 1
$13,768.41 irá al INTERES
$2,007.24 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
13 $1,140.96 $173.68 $195,419.08
14 $1,139.94 $174.69 $195,244.39
15 $1,138.93 $175.71 $195,068.67
16 $1,137.90 $176.74 $194,891.94
17 $1,136.87 $177.77 $194,714.17
18 $1,135.83 $178.81 $194,535.36
19 $1,134.79 $179.85 $194,355.52
20 $1,133.74 $180.90 $194,174.62
21 $1,132.69 $181.95 $193,992.67
22 $1,131.62 $183.01 $193,809.65
23 $1,130.56 $184.08 $193,625.57
24 $1,129.48 $185.16 $193,440.42
Total de años: 2
  Usted invertirá: $15,775.65 en su casa en el año 2
$13,623.31 irá al INTERES
$2,152.34 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
25 $1,128.40 $186.24 $193,254.18
26 $1,127.32 $187.32 $193,066.86
27 $1,126.22 $188.41 $192,878.44
28 $1,125.12 $189.51 $192,688.93
29 $1,124.02 $190.62 $192,498.31
30 $1,122.91 $191.73 $192,306.58
31 $1,121.79 $192.85 $192,113.73
32 $1,120.66 $193.97 $191,919.76
33 $1,119.53 $195.11 $191,724.65
34 $1,118.39 $196.24 $191,528.41
35 $1,117.25 $197.39 $191,331.02
36 $1,116.10 $198.54 $191,132.48
Total de años: 3
  Usted invertirá: $15,775.65 en su casa en el año 3
$13,467.72 irá al INTERES
$2,307.94 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
37 $1,114.94 $199.70 $190,932.78
38 $1,113.77 $200.86 $190,731.92
39 $1,112.60 $202.03 $190,529.88
40 $1,111.42 $203.21 $190,326.67
41 $1,110.24 $204.40 $190,122.27
42 $1,109.05 $205.59 $189,916.68
43 $1,107.85 $206.79 $189,709.89
44 $1,106.64 $208.00 $189,501.89
45 $1,105.43 $209.21 $189,292.68
46 $1,104.21 $210.43 $189,082.25
47 $1,102.98 $211.66 $188,870.59
48 $1,101.75 $212.89 $188,657.70
Total de años: 4
  Usted invertirá: $15,775.65 en su casa en el año 4
$13,300.87 irá al INTERES
$2,474.78 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
49 $1,100.50 $214.13 $188,443.57
50 $1,099.25 $215.38 $188,228.18
51 $1,098.00 $216.64 $188,011.54
52 $1,096.73 $217.90 $187,793.64
53 $1,095.46 $219.17 $187,574.46
54 $1,094.18 $220.45 $187,354.01
55 $1,092.90 $221.74 $187,132.27
56 $1,091.60 $223.03 $186,909.24
57 $1,090.30 $224.33 $186,684.91
58 $1,089.00 $225.64 $186,459.26
59 $1,087.68 $226.96 $186,232.30
60 $1,086.36 $228.28 $186,004.02
Total de años: 5
  Usted invertirá: $15,775.65 en su casa en el año 5
$13,121.97 irá al INTERES
$2,653.68 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
61 $1,085.02 $229.61 $185,774.41
62 $1,083.68 $230.95 $185,543.45
63 $1,082.34 $232.30 $185,311.15
64 $1,080.98 $233.66 $185,077.50
65 $1,079.62 $235.02 $184,842.48
66 $1,078.25 $236.39 $184,606.09
67 $1,076.87 $237.77 $184,368.32
68 $1,075.48 $239.16 $184,129.16
69 $1,074.09 $240.55 $183,888.61
70 $1,072.68 $241.95 $183,646.66
71 $1,071.27 $243.37 $183,403.29
72 $1,069.85 $244.79 $183,158.51
Total de años: 6
  Usted invertirá: $15,775.65 en su casa en el año 6
$12,930.14 irá al INTERES
$2,845.51 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
73 $1,068.42 $246.21 $182,912.29
74 $1,066.99 $247.65 $182,664.64
75 $1,065.54 $249.09 $182,415.55
76 $1,064.09 $250.55 $182,165.00
77 $1,062.63 $252.01 $181,913.00
78 $1,061.16 $253.48 $181,659.52
79 $1,059.68 $254.96 $181,404.56
80 $1,058.19 $256.44 $181,148.11
81 $1,056.70 $257.94 $180,890.17
82 $1,055.19 $259.45 $180,630.73
83 $1,053.68 $260.96 $180,369.77
84 $1,052.16 $262.48 $180,107.29
Total de años: 7
  Usted invertirá: $15,775.65 en su casa en el año 7
$12,724.44 irá al INTERES
$3,051.22 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
85 $1,050.63 $264.01 $179,843.28
86 $1,049.09 $265.55 $179,577.73
87 $1,047.54 $267.10 $179,310.63
88 $1,045.98 $268.66 $179,041.97
89 $1,044.41 $270.23 $178,771.74
90 $1,042.84 $271.80 $178,499.94
91 $1,041.25 $273.39 $178,226.55
92 $1,039.65 $274.98 $177,951.57
93 $1,038.05 $276.59 $177,674.98
94 $1,036.44 $278.20 $177,396.78
95 $1,034.81 $279.82 $177,116.96
96 $1,033.18 $281.46 $176,835.50
Total de años: 8
  Usted invertirá: $15,775.65 en su casa en el año 8
$12,503.86 irá al INTERES
$3,271.79 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
97 $1,031.54 $283.10 $176,552.40
98 $1,029.89 $284.75 $176,267.65
99 $1,028.23 $286.41 $175,981.24
100 $1,026.56 $288.08 $175,693.16
101 $1,024.88 $289.76 $175,403.40
102 $1,023.19 $291.45 $175,111.95
103 $1,021.49 $293.15 $174,818.80
104 $1,019.78 $294.86 $174,523.94
105 $1,018.06 $296.58 $174,227.36
106 $1,016.33 $298.31 $173,929.05
107 $1,014.59 $300.05 $173,628.99
108 $1,012.84 $301.80 $173,327.19
Total de años: 9
  Usted invertirá: $15,775.65 en su casa en el año 9
$12,267.35 irá al INTERES
$3,508.31 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
109 $1,011.08 $303.56 $173,023.63
110 $1,009.30 $305.33 $172,718.30
111 $1,007.52 $307.11 $172,411.18
112 $1,005.73 $308.91 $172,102.28
113 $1,003.93 $310.71 $171,791.57
114 $1,002.12 $312.52 $171,479.05
115 $1,000.29 $314.34 $171,164.71
116 $998.46 $316.18 $170,848.53
117 $996.62 $318.02 $170,530.51
118 $994.76 $319.88 $170,210.63
119 $992.90 $321.74 $169,888.89
120 $991.02 $323.62 $169,565.27
Total de años: 10
  Usted invertirá: $15,775.65 en su casa en el año 10
$12,013.73 irá al INTERES
$3,761.92 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
121 $989.13 $325.51 $169,239.76
122 $987.23 $327.41 $168,912.36
123 $985.32 $329.32 $168,583.04
124 $983.40 $331.24 $168,251.80
125 $981.47 $333.17 $167,918.64
126 $979.53 $335.11 $167,583.52
127 $977.57 $337.07 $167,246.46
128 $975.60 $339.03 $166,907.42
129 $973.63 $341.01 $166,566.41
130 $971.64 $343.00 $166,223.41
131 $969.64 $345.00 $165,878.41
132 $967.62 $347.01 $165,531.40
Total de años: 11
  Usted invertirá: $15,775.65 en su casa en el año 11
$11,741.78 irá al INTERES
$4,033.87 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
133 $965.60 $349.04 $165,182.36
134 $963.56 $351.07 $164,831.28
135 $961.52 $353.12 $164,478.16
136 $959.46 $355.18 $164,122.98
137 $957.38 $357.25 $163,765.73
138 $955.30 $359.34 $163,406.39
139 $953.20 $361.43 $163,044.96
140 $951.10 $363.54 $162,681.41
141 $948.97 $365.66 $162,315.75
142 $946.84 $367.80 $161,947.95
143 $944.70 $369.94 $161,578.01
144 $942.54 $372.10 $161,205.91
Total de años: 12
  Usted invertirá: $15,775.65 en su casa en el año 12
$11,450.17 irá al INTERES
$4,325.48 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
145 $940.37 $374.27 $160,831.64
146 $938.18 $376.45 $160,455.19
147 $935.99 $378.65 $160,076.54
148 $933.78 $380.86 $159,695.68
149 $931.56 $383.08 $159,312.60
150 $929.32 $385.31 $158,927.29
151 $927.08 $387.56 $158,539.73
152 $924.82 $389.82 $158,149.91
153 $922.54 $392.10 $157,757.81
154 $920.25 $394.38 $157,363.43
155 $917.95 $396.68 $156,966.74
156 $915.64 $399.00 $156,567.74
Total de años: 13
  Usted invertirá: $15,775.65 en su casa en el año 13
$11,137.48 irá al INTERES
$4,638.17 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
157 $913.31 $401.33 $156,166.42
158 $910.97 $403.67 $155,762.75
159 $908.62 $406.02 $155,356.73
160 $906.25 $408.39 $154,948.34
161 $903.87 $410.77 $154,537.57
162 $901.47 $413.17 $154,124.40
163 $899.06 $415.58 $153,708.82
164 $896.63 $418.00 $153,290.82
165 $894.20 $420.44 $152,870.37
166 $891.74 $422.89 $152,447.48
167 $889.28 $425.36 $152,022.12
168 $886.80 $427.84 $151,594.28
Total de años: 14
  Usted invertirá: $15,775.65 en su casa en el año 14
$10,802.19 irá al INTERES
$4,973.47 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
169 $884.30 $430.34 $151,163.94
170 $881.79 $432.85 $150,731.09
171 $879.26 $435.37 $150,295.72
172 $876.73 $437.91 $149,857.81
173 $874.17 $440.47 $149,417.34
174 $871.60 $443.04 $148,974.30
175 $869.02 $445.62 $148,528.68
176 $866.42 $448.22 $148,080.46
177 $863.80 $450.84 $147,629.63
178 $861.17 $453.46 $147,176.16
179 $858.53 $456.11 $146,720.05
180 $855.87 $458.77 $146,261.28
Total de años: 15
  Usted invertirá: $15,775.65 en su casa en el año 15
$10,442.66 irá al INTERES
$5,333.00 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
181 $853.19 $461.45 $145,799.83
182 $850.50 $464.14 $145,335.69
183 $847.79 $466.85 $144,868.85
184 $845.07 $469.57 $144,399.28
185 $842.33 $472.31 $143,926.97
186 $839.57 $475.06 $143,451.91
187 $836.80 $477.83 $142,974.07
188 $834.02 $480.62 $142,493.45
189 $831.21 $483.43 $142,010.02
190 $828.39 $486.25 $141,523.78
191 $825.56 $489.08 $141,034.69
192 $822.70 $491.94 $140,542.76
Total de años: 16
  Usted invertirá: $15,775.65 en su casa en el año 16
$10,057.13 irá al INTERES
$5,718.52 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
193 $819.83 $494.80 $140,047.95
194 $816.95 $497.69 $139,550.26
195 $814.04 $500.59 $139,049.67
196 $811.12 $503.51 $138,546.15
197 $808.19 $506.45 $138,039.70
198 $805.23 $509.41 $137,530.30
199 $802.26 $512.38 $137,017.92
200 $799.27 $515.37 $136,502.55
201 $796.26 $518.37 $135,984.18
202 $793.24 $521.40 $135,462.78
203 $790.20 $524.44 $134,938.34
204 $787.14 $527.50 $134,410.85
Total de años: 17
  Usted invertirá: $15,775.65 en su casa en el año 17
$9,643.74 irá al INTERES
$6,131.91 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
205 $784.06 $530.57 $133,880.27
206 $780.97 $533.67 $133,346.60
207 $777.86 $536.78 $132,809.82
208 $774.72 $539.91 $132,269.91
209 $771.57 $543.06 $131,726.84
210 $768.41 $546.23 $131,180.61
211 $765.22 $549.42 $130,631.19
212 $762.02 $552.62 $130,078.57
213 $758.79 $555.85 $129,522.73
214 $755.55 $559.09 $128,963.64
215 $752.29 $562.35 $128,401.29
216 $749.01 $565.63 $127,835.66
Total de años: 18
  Usted invertirá: $15,775.65 en su casa en el año 18
$9,200.46 irá al INTERES
$6,575.19 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
217 $745.71 $568.93 $127,266.73
218 $742.39 $572.25 $126,694.48
219 $739.05 $575.59 $126,118.89
220 $735.69 $578.94 $125,539.95
221 $732.32 $582.32 $124,957.63
222 $728.92 $585.72 $124,371.91
223 $725.50 $589.13 $123,782.77
224 $722.07 $592.57 $123,190.20
225 $718.61 $596.03 $122,594.17
226 $715.13 $599.51 $121,994.67
227 $711.64 $603.00 $121,391.67
228 $708.12 $606.52 $120,785.15
Total de años: 19
  Usted invertirá: $15,775.65 en su casa en el año 19
$8,725.14 irá al INTERES
$7,050.51 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
229 $704.58 $610.06 $120,175.09
230 $701.02 $613.62 $119,561.47
231 $697.44 $617.20 $118,944.28
232 $693.84 $620.80 $118,323.48
233 $690.22 $624.42 $117,699.06
234 $686.58 $628.06 $117,071.00
235 $682.91 $631.72 $116,439.28
236 $679.23 $635.41 $115,803.87
237 $675.52 $639.12 $115,164.76
238 $671.79 $642.84 $114,521.91
239 $668.04 $646.59 $113,875.32
240 $664.27 $650.37 $113,224.95
Total de años: 20
  Usted invertirá: $15,775.65 en su casa en el año 20
$8,215.46 irá al INTERES
$7,560.19 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
241 $660.48 $654.16 $112,570.80
242 $656.66 $657.97 $111,912.82
243 $652.82 $661.81 $111,251.01
244 $648.96 $665.67 $110,585.33
245 $645.08 $669.56 $109,915.78
246 $641.18 $673.46 $109,242.32
247 $637.25 $677.39 $108,564.92
248 $633.30 $681.34 $107,883.58
249 $629.32 $685.32 $107,198.27
250 $625.32 $689.31 $106,508.95
251 $621.30 $693.34 $105,815.62
252 $617.26 $697.38 $105,118.24
Total de años: 21
  Usted invertirá: $15,775.65 en su casa en el año 21
$7,668.93 irá al INTERES
$8,106.72 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
253 $613.19 $701.45 $104,416.79
254 $609.10 $705.54 $103,711.25
255 $604.98 $709.66 $103,001.59
256 $600.84 $713.80 $102,287.80
257 $596.68 $717.96 $101,569.84
258 $592.49 $722.15 $100,847.69
259 $588.28 $726.36 $100,121.33
260 $584.04 $730.60 $99,390.74
261 $579.78 $734.86 $98,655.88
262 $575.49 $739.15 $97,916.73
263 $571.18 $743.46 $97,173.27
264 $566.84 $747.79 $96,425.48
Total de años: 22
  Usted invertirá: $15,775.65 en su casa en el año 22
$7,082.90 irá al INTERES
$8,692.75 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
265 $562.48 $752.16 $95,673.33
266 $558.09 $756.54 $94,916.78
267 $553.68 $760.96 $94,155.83
268 $549.24 $765.40 $93,390.43
269 $544.78 $769.86 $92,620.57
270 $540.29 $774.35 $91,846.22
271 $535.77 $778.87 $91,067.35
272 $531.23 $783.41 $90,283.94
273 $526.66 $787.98 $89,495.96
274 $522.06 $792.58 $88,703.38
275 $517.44 $797.20 $87,906.18
276 $512.79 $801.85 $87,104.33
Total de años: 23
  Usted invertirá: $15,775.65 en su casa en el año 23
$6,454.50 irá al INTERES
$9,321.15 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
277 $508.11 $806.53 $86,297.80
278 $503.40 $811.23 $85,486.56
279 $498.67 $815.97 $84,670.60
280 $493.91 $820.73 $83,849.87
281 $489.12 $825.51 $83,024.36
282 $484.31 $830.33 $82,194.03
283 $479.47 $835.17 $81,358.86
284 $474.59 $840.04 $80,518.81
285 $469.69 $844.94 $79,673.87
286 $464.76 $849.87 $78,823.99
287 $459.81 $854.83 $77,969.16
288 $454.82 $859.82 $77,109.35
Total de años: 24
  Usted invertirá: $15,775.65 en su casa en el año 24
$5,780.67 irá al INTERES
$9,994.98 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
289 $449.80 $864.83 $76,244.51
290 $444.76 $869.88 $75,374.63
291 $439.69 $874.95 $74,499.68
292 $434.58 $880.06 $73,619.63
293 $429.45 $885.19 $72,734.44
294 $424.28 $890.35 $71,844.08
295 $419.09 $895.55 $70,948.53
296 $413.87 $900.77 $70,047.76
297 $408.61 $906.03 $69,141.74
298 $403.33 $911.31 $68,230.43
299 $398.01 $916.63 $67,313.80
300 $392.66 $921.97 $66,391.83
Total de años: 25
  Usted invertirá: $15,775.65 en su casa en el año 25
$5,058.13 irá al INTERES
$10,717.52 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
301 $387.29 $927.35 $65,464.47
302 $381.88 $932.76 $64,531.71
303 $376.43 $938.20 $63,593.51
304 $370.96 $943.68 $62,649.83
305 $365.46 $949.18 $61,700.65
306 $359.92 $954.72 $60,745.94
307 $354.35 $960.29 $59,785.65
308 $348.75 $965.89 $58,819.76
309 $343.12 $971.52 $57,848.24
310 $337.45 $977.19 $56,871.05
311 $331.75 $982.89 $55,888.16
312 $326.01 $988.62 $54,899.54
Total de años: 26
  Usted invertirá: $15,775.65 en su casa en el año 26
$4,283.36 irá al INTERES
$11,492.29 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
313 $320.25 $994.39 $53,905.15
314 $314.45 $1,000.19 $52,904.95
315 $308.61 $1,006.03 $51,898.93
316 $302.74 $1,011.89 $50,887.04
317 $296.84 $1,017.80 $49,869.24
318 $290.90 $1,023.73 $48,845.50
319 $284.93 $1,029.71 $47,815.80
320 $278.93 $1,035.71 $46,780.09
321 $272.88 $1,041.75 $45,738.33
322 $266.81 $1,047.83 $44,690.50
323 $260.69 $1,053.94 $43,636.56
324 $254.55 $1,060.09 $42,576.47
Total de años: 27
  Usted invertirá: $15,775.65 en su casa en el año 27
$3,452.58 irá al INTERES
$12,323.07 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
325 $248.36 $1,066.27 $41,510.19
326 $242.14 $1,072.49 $40,437.70
327 $235.89 $1,078.75 $39,358.95
328 $229.59 $1,085.04 $38,273.90
329 $223.26 $1,091.37 $37,182.53
330 $216.90 $1,097.74 $36,084.79
331 $210.49 $1,104.14 $34,980.65
332 $204.05 $1,110.58 $33,870.06
333 $197.58 $1,117.06 $32,753.00
334 $191.06 $1,123.58 $31,629.42
335 $184.50 $1,130.13 $30,499.29
336 $177.91 $1,136.73 $29,362.56
Total de años: 28
  Usted invertirá: $15,775.65 en su casa en el año 28
$2,561.75 irá al INTERES
$13,213.90 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
337 $171.28 $1,143.36 $28,219.21
338 $164.61 $1,150.03 $27,069.18
339 $157.90 $1,156.73 $25,912.45
340 $151.16 $1,163.48 $24,748.97
341 $144.37 $1,170.27 $23,578.70
342 $137.54 $1,177.10 $22,401.60
343 $130.68 $1,183.96 $21,217.64
344 $123.77 $1,190.87 $20,026.77
345 $116.82 $1,197.81 $18,828.96
346 $109.84 $1,204.80 $17,624.16
347 $102.81 $1,211.83 $16,412.33
348 $95.74 $1,218.90 $15,193.43
Total de años: 29
  Usted invertirá: $15,775.65 en su casa en el año 29
$1,606.51 irá al INTERES
$14,169.14 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
349 $88.63 $1,226.01 $13,967.42
350 $81.48 $1,233.16 $12,734.26
351 $74.28 $1,240.35 $11,493.90
352 $67.05 $1,247.59 $10,246.31
353 $59.77 $1,254.87 $8,991.44
354 $52.45 $1,262.19 $7,729.26
355 $45.09 $1,269.55 $6,459.71
356 $37.68 $1,276.96 $5,182.75
357 $30.23 $1,284.41 $3,898.34
358 $22.74 $1,291.90 $2,606.45
359 $15.20 $1,299.43 $1,307.01
360 $7.62 $1,307.01 $0.00
Total de años: 30
  Usted invertirá: $15,775.65 en su casa en el año 30
$582.23 irá al INTERES
$15,193.43 irá al PRINCIPAL
 

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