Calculadora Hipotecaria

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


Información de Pagos de la Hipoteca:
Pronto Pago: $10,450.00
Precio a Financiar: $198,550.00
Pago Mensual: $1,320.96


Mes: Interés Pagado: Principal Pagado: Balance Restante:
1 $1,158.21 $162.75 $198,387.25
2 $1,157.26 $163.70 $198,223.55
3 $1,156.30 $164.65 $198,058.90
4 $1,155.34 $165.61 $197,893.28
5 $1,154.38 $166.58 $197,726.70
6 $1,153.41 $167.55 $197,559.15
7 $1,152.43 $168.53 $197,390.62
8 $1,151.45 $169.51 $197,221.11
9 $1,150.46 $170.50 $197,050.61
10 $1,149.46 $171.50 $196,879.11
11 $1,148.46 $172.50 $196,706.61
12 $1,147.46 $173.50 $196,533.11
Total de años: 1
  Usted invertirá: $15,851.50 en su casa en el año 1
$13,834.61 irá al INTERES
$2,016.89 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
13 $1,146.44 $174.51 $196,358.59
14 $1,145.43 $175.53 $196,183.06
15 $1,144.40 $176.56 $196,006.50
16 $1,143.37 $177.59 $195,828.92
17 $1,142.34 $178.62 $195,650.30
18 $1,141.29 $179.66 $195,470.63
19 $1,140.25 $180.71 $195,289.92
20 $1,139.19 $181.77 $195,108.15
21 $1,138.13 $182.83 $194,925.32
22 $1,137.06 $183.89 $194,741.43
23 $1,135.99 $184.97 $194,556.46
24 $1,134.91 $186.05 $194,370.42
Total de años: 2
  Usted invertirá: $15,851.50 en su casa en el año 2
$13,688.81 irá al INTERES
$2,162.69 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
25 $1,133.83 $187.13 $194,183.29
26 $1,132.74 $188.22 $193,995.07
27 $1,131.64 $189.32 $193,805.74
28 $1,130.53 $190.42 $193,615.32
29 $1,129.42 $191.54 $193,423.78
30 $1,128.31 $192.65 $193,231.13
31 $1,127.18 $193.78 $193,037.36
32 $1,126.05 $194.91 $192,842.45
33 $1,124.91 $196.04 $192,646.40
34 $1,123.77 $197.19 $192,449.22
35 $1,122.62 $198.34 $192,250.88
36 $1,121.46 $199.49 $192,051.39
Total de años: 3
  Usted invertirá: $15,851.50 en su casa en el año 3
$13,532.46 irá al INTERES
$2,319.03 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
37 $1,120.30 $200.66 $191,850.73
38 $1,119.13 $201.83 $191,648.90
39 $1,117.95 $203.01 $191,445.89
40 $1,116.77 $204.19 $191,241.70
41 $1,115.58 $205.38 $191,036.32
42 $1,114.38 $206.58 $190,829.74
43 $1,113.17 $207.78 $190,621.96
44 $1,111.96 $209.00 $190,412.96
45 $1,110.74 $210.22 $190,202.74
46 $1,109.52 $211.44 $189,991.30
47 $1,108.28 $212.68 $189,778.63
48 $1,107.04 $213.92 $189,564.71
Total de años: 4
  Usted invertirá: $15,851.50 en su casa en el año 4
$13,364.82 irá al INTERES
$2,486.68 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
49 $1,105.79 $215.16 $189,349.55
50 $1,104.54 $216.42 $189,133.13
51 $1,103.28 $217.68 $188,915.44
52 $1,102.01 $218.95 $188,696.49
53 $1,100.73 $220.23 $188,476.26
54 $1,099.44 $221.51 $188,254.75
55 $1,098.15 $222.81 $188,031.95
56 $1,096.85 $224.11 $187,807.84
57 $1,095.55 $225.41 $187,582.43
58 $1,094.23 $226.73 $187,355.70
59 $1,092.91 $228.05 $187,127.65
60 $1,091.58 $229.38 $186,898.27
Total de años: 5
  Usted invertirá: $15,851.50 en su casa en el año 5
$13,185.06 irá al INTERES
$2,666.44 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
61 $1,090.24 $230.72 $186,667.55
62 $1,088.89 $232.06 $186,435.49
63 $1,087.54 $233.42 $186,202.07
64 $1,086.18 $234.78 $185,967.29
65 $1,084.81 $236.15 $185,731.14
66 $1,083.43 $237.53 $185,493.62
67 $1,082.05 $238.91 $185,254.70
68 $1,080.65 $240.31 $185,014.40
69 $1,079.25 $241.71 $184,772.69
70 $1,077.84 $243.12 $184,529.57
71 $1,076.42 $244.54 $184,285.04
72 $1,075.00 $245.96 $184,039.08
Total de años: 6
  Usted invertirá: $15,851.50 en su casa en el año 6
$12,992.30 irá al INTERES
$2,859.19 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
73 $1,073.56 $247.40 $183,791.68
74 $1,072.12 $248.84 $183,542.84
75 $1,070.67 $250.29 $183,292.55
76 $1,069.21 $251.75 $183,040.80
77 $1,067.74 $253.22 $182,787.58
78 $1,066.26 $254.70 $182,532.88
79 $1,064.78 $256.18 $182,276.70
80 $1,063.28 $257.68 $182,019.02
81 $1,061.78 $259.18 $181,759.84
82 $1,060.27 $260.69 $181,499.15
83 $1,058.75 $262.21 $181,236.93
84 $1,057.22 $263.74 $180,973.19
Total de años: 7
  Usted invertirá: $15,851.50 en su casa en el año 7
$12,785.61 irá al INTERES
$3,065.89 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
85 $1,055.68 $265.28 $180,707.91
86 $1,054.13 $266.83 $180,441.08
87 $1,052.57 $268.39 $180,172.70
88 $1,051.01 $269.95 $179,902.75
89 $1,049.43 $271.53 $179,631.22
90 $1,047.85 $273.11 $179,358.11
91 $1,046.26 $274.70 $179,083.41
92 $1,044.65 $276.30 $178,807.10
93 $1,043.04 $277.92 $178,529.19
94 $1,041.42 $279.54 $178,249.65
95 $1,039.79 $281.17 $177,968.48
96 $1,038.15 $282.81 $177,685.67
Total de años: 8
  Usted invertirá: $15,851.50 en su casa en el año 8
$12,563.98 irá al INTERES
$3,287.52 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
97 $1,036.50 $284.46 $177,401.21
98 $1,034.84 $286.12 $177,115.10
99 $1,033.17 $287.79 $176,827.31
100 $1,031.49 $289.47 $176,537.84
101 $1,029.80 $291.15 $176,246.69
102 $1,028.11 $292.85 $175,953.84
103 $1,026.40 $294.56 $175,659.28
104 $1,024.68 $296.28 $175,363.00
105 $1,022.95 $298.01 $175,064.99
106 $1,021.21 $299.75 $174,765.24
107 $1,019.46 $301.49 $174,463.75
108 $1,017.71 $303.25 $174,160.50
Total de años: 9
  Usted invertirá: $15,851.50 en su casa en el año 9
$12,326.32 irá al INTERES
$3,525.17 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
109 $1,015.94 $305.02 $173,855.47
110 $1,014.16 $306.80 $173,548.67
111 $1,012.37 $308.59 $173,240.08
112 $1,010.57 $310.39 $172,929.69
113 $1,008.76 $312.20 $172,617.49
114 $1,006.94 $314.02 $172,303.47
115 $1,005.10 $315.85 $171,987.61
116 $1,003.26 $317.70 $171,669.92
117 $1,001.41 $319.55 $171,350.37
118 $999.54 $321.41 $171,028.95
119 $997.67 $323.29 $170,705.66
120 $995.78 $325.18 $170,380.49
Total de años: 10
  Usted invertirá: $15,851.50 en su casa en el año 10
$12,071.49 irá al INTERES
$3,780.01 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
121 $993.89 $327.07 $170,053.42
122 $991.98 $328.98 $169,724.44
123 $990.06 $330.90 $169,393.54
124 $988.13 $332.83 $169,060.71
125 $986.19 $334.77 $168,725.94
126 $984.23 $336.72 $168,389.21
127 $982.27 $338.69 $168,050.53
128 $980.29 $340.66 $167,709.86
129 $978.31 $342.65 $167,367.21
130 $976.31 $344.65 $167,022.56
131 $974.30 $346.66 $166,675.90
132 $972.28 $348.68 $166,327.22
Total de años: 11
  Usted invertirá: $15,851.50 en su casa en el año 11
$11,798.23 irá al INTERES
$4,053.27 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
133 $970.24 $350.72 $165,976.50
134 $968.20 $352.76 $165,623.74
135 $966.14 $354.82 $165,268.92
136 $964.07 $356.89 $164,912.03
137 $961.99 $358.97 $164,553.06
138 $959.89 $361.07 $164,192.00
139 $957.79 $363.17 $163,828.83
140 $955.67 $365.29 $163,463.54
141 $953.54 $367.42 $163,096.11
142 $951.39 $369.56 $162,726.55
143 $949.24 $371.72 $162,354.83
144 $947.07 $373.89 $161,980.94
Total de años: 12
  Usted invertirá: $15,851.50 en su casa en el año 12
$11,505.22 irá al INTERES
$4,346.28 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
145 $944.89 $376.07 $161,604.87
146 $942.70 $378.26 $161,226.61
147 $940.49 $380.47 $160,846.14
148 $938.27 $382.69 $160,463.45
149 $936.04 $384.92 $160,078.53
150 $933.79 $387.17 $159,691.36
151 $931.53 $389.43 $159,301.94
152 $929.26 $391.70 $158,910.24
153 $926.98 $393.98 $158,516.26
154 $924.68 $396.28 $158,119.98
155 $922.37 $398.59 $157,721.39
156 $920.04 $400.92 $157,320.47
Total de años: 13
  Usted invertirá: $15,851.50 en su casa en el año 13
$11,191.03 irá al INTERES
$4,660.47 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
157 $917.70 $403.26 $156,917.22
158 $915.35 $405.61 $156,511.61
159 $912.98 $407.97 $156,103.64
160 $910.60 $410.35 $155,693.28
161 $908.21 $412.75 $155,280.53
162 $905.80 $415.15 $154,865.38
163 $903.38 $417.58 $154,447.80
164 $900.95 $420.01 $154,027.79
165 $898.50 $422.46 $153,605.33
166 $896.03 $424.93 $153,180.40
167 $893.55 $427.41 $152,752.99
168 $891.06 $429.90 $152,323.10
Total de años: 14
  Usted invertirá: $15,851.50 en su casa en el año 14
$10,854.12 irá al INTERES
$4,997.38 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
169 $888.55 $432.41 $151,890.69
170 $886.03 $434.93 $151,455.76
171 $883.49 $437.47 $151,018.29
172 $880.94 $440.02 $150,578.28
173 $878.37 $442.58 $150,135.69
174 $875.79 $445.17 $149,690.52
175 $873.19 $447.76 $149,242.76
176 $870.58 $450.38 $148,792.39
177 $867.96 $453.00 $148,339.38
178 $865.31 $455.65 $147,883.74
179 $862.66 $458.30 $147,425.44
180 $859.98 $460.98 $146,964.46
Total de años: 15
  Usted invertirá: $15,851.50 en su casa en el año 15
$10,492.86 irá al INTERES
$5,358.64 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
181 $857.29 $463.67 $146,500.79
182 $854.59 $466.37 $146,034.42
183 $851.87 $469.09 $145,565.33
184 $849.13 $471.83 $145,093.51
185 $846.38 $474.58 $144,618.93
186 $843.61 $477.35 $144,141.58
187 $840.83 $480.13 $143,661.45
188 $838.03 $482.93 $143,178.51
189 $835.21 $485.75 $142,692.76
190 $832.37 $488.58 $142,204.18
191 $829.52 $491.43 $141,712.75
192 $826.66 $494.30 $141,218.45
Total de años: 16
  Usted invertirá: $15,851.50 en su casa en el año 16
$10,105.48 irá al INTERES
$5,746.01 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
193 $823.77 $497.18 $140,721.26
194 $820.87 $500.08 $140,221.18
195 $817.96 $503.00 $139,718.18
196 $815.02 $505.94 $139,212.24
197 $812.07 $508.89 $138,703.35
198 $809.10 $511.86 $138,191.50
199 $806.12 $514.84 $137,676.66
200 $803.11 $517.84 $137,158.81
201 $800.09 $520.87 $136,637.95
202 $797.05 $523.90 $136,114.05
203 $794.00 $526.96 $135,587.09
204 $790.92 $530.03 $135,057.05
Total de años: 17
  Usted invertirá: $15,851.50 en su casa en el año 17
$9,690.10 irá al INTERES
$6,161.39 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
205 $787.83 $533.13 $134,523.93
206 $784.72 $536.24 $133,987.69
207 $781.59 $539.36 $133,448.33
208 $778.45 $542.51 $132,905.82
209 $775.28 $545.67 $132,360.14
210 $772.10 $548.86 $131,811.29
211 $768.90 $552.06 $131,259.23
212 $765.68 $555.28 $130,703.95
213 $762.44 $558.52 $130,145.43
214 $759.18 $561.78 $129,583.65
215 $755.90 $565.05 $129,018.60
216 $752.61 $568.35 $128,450.25
Total de años: 18
  Usted invertirá: $15,851.50 en su casa en el año 18
$9,244.70 irá al INTERES
$6,606.80 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
217 $749.29 $571.66 $127,878.59
218 $745.96 $575.00 $127,303.59
219 $742.60 $578.35 $126,725.23
220 $739.23 $581.73 $126,143.51
221 $735.84 $585.12 $125,558.38
222 $732.42 $588.53 $124,969.85
223 $728.99 $591.97 $124,377.88
224 $725.54 $595.42 $123,782.46
225 $722.06 $598.89 $123,183.57
226 $718.57 $602.39 $122,581.18
227 $715.06 $605.90 $121,975.28
228 $711.52 $609.44 $121,365.84
Total de años: 19
  Usted invertirá: $15,851.50 en su casa en el año 19
$8,767.09 irá al INTERES
$7,084.41 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
229 $707.97 $612.99 $120,752.85
230 $704.39 $616.57 $120,136.29
231 $700.80 $620.16 $119,516.12
232 $697.18 $623.78 $118,892.34
233 $693.54 $627.42 $118,264.92
234 $689.88 $631.08 $117,633.84
235 $686.20 $634.76 $116,999.08
236 $682.49 $638.46 $116,360.62
237 $678.77 $642.19 $115,718.43
238 $675.02 $645.93 $115,072.50
239 $671.26 $649.70 $114,422.80
240 $667.47 $653.49 $113,769.31
Total de años: 20
  Usted invertirá: $15,851.50 en su casa en el año 20
$8,254.96 irá al INTERES
$7,596.54 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
241 $663.65 $657.30 $113,112.00
242 $659.82 $661.14 $112,450.86
243 $655.96 $664.99 $111,785.87
244 $652.08 $668.87 $111,116.99
245 $648.18 $672.78 $110,444.22
246 $644.26 $676.70 $109,767.52
247 $640.31 $680.65 $109,086.87
248 $636.34 $684.62 $108,402.25
249 $632.35 $688.61 $107,713.64
250 $628.33 $692.63 $107,021.01
251 $624.29 $696.67 $106,324.34
252 $620.23 $700.73 $105,623.61
Total de años: 21
  Usted invertirá: $15,851.50 en su casa en el año 21
$7,705.80 irá al INTERES
$8,145.69 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
253 $616.14 $704.82 $104,918.79
254 $612.03 $708.93 $104,209.86
255 $607.89 $713.07 $103,496.79
256 $603.73 $717.23 $102,779.57
257 $599.55 $721.41 $102,058.15
258 $595.34 $725.62 $101,332.54
259 $591.11 $729.85 $100,602.68
260 $586.85 $734.11 $99,868.58
261 $582.57 $738.39 $99,130.18
262 $578.26 $742.70 $98,387.49
263 $573.93 $747.03 $97,640.45
264 $569.57 $751.39 $96,889.07
Total de años: 22
  Usted invertirá: $15,851.50 en su casa en el año 22
$7,116.95 irá al INTERES
$8,734.55 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
265 $565.19 $755.77 $96,133.29
266 $560.78 $760.18 $95,373.11
267 $556.34 $764.61 $94,608.50
268 $551.88 $769.08 $93,839.42
269 $547.40 $773.56 $93,065.86
270 $542.88 $778.07 $92,287.79
271 $538.35 $782.61 $91,505.17
272 $533.78 $787.18 $90,718.00
273 $529.19 $791.77 $89,926.23
274 $524.57 $796.39 $89,129.84
275 $519.92 $801.03 $88,328.80
276 $515.25 $805.71 $87,523.10
Total de años: 23
  Usted invertirá: $15,851.50 en su casa en el año 23
$6,485.53 irá al INTERES
$9,365.97 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
277 $510.55 $810.41 $86,712.69
278 $505.82 $815.13 $85,897.56
279 $501.07 $819.89 $85,077.67
280 $496.29 $824.67 $84,253.00
281 $491.48 $829.48 $83,423.51
282 $486.64 $834.32 $82,589.19
283 $481.77 $839.19 $81,750.01
284 $476.88 $844.08 $80,905.92
285 $471.95 $849.01 $80,056.92
286 $467.00 $853.96 $79,202.96
287 $462.02 $858.94 $78,344.01
288 $457.01 $863.95 $77,480.06
Total de años: 24
  Usted invertirá: $15,851.50 en su casa en el año 24
$5,808.46 irá al INTERES
$10,043.03 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
289 $451.97 $868.99 $76,611.07
290 $446.90 $874.06 $75,737.01
291 $441.80 $879.16 $74,857.85
292 $436.67 $884.29 $73,973.57
293 $431.51 $889.45 $73,084.12
294 $426.32 $894.63 $72,189.49
295 $421.11 $899.85 $71,289.63
296 $415.86 $905.10 $70,384.53
297 $410.58 $910.38 $69,474.15
298 $405.27 $915.69 $68,558.46
299 $399.92 $921.03 $67,637.42
300 $394.55 $926.41 $66,711.02
Total de años: 25
  Usted invertirá: $15,851.50 en su casa en el año 25
$5,082.45 irá al INTERES
$10,769.05 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
301 $389.15 $931.81 $65,779.21
302 $383.71 $937.25 $64,841.96
303 $378.24 $942.71 $63,899.25
304 $372.75 $948.21 $62,951.04
305 $367.21 $953.74 $61,997.29
306 $361.65 $959.31 $61,037.98
307 $356.05 $964.90 $60,073.08
308 $350.43 $970.53 $59,102.55
309 $344.76 $976.19 $58,126.36
310 $339.07 $981.89 $57,144.47
311 $333.34 $987.62 $56,156.85
312 $327.58 $993.38 $55,163.48
Total de años: 26
  Usted invertirá: $15,851.50 en su casa en el año 26
$4,303.96 irá al INTERES
$11,547.54 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
313 $321.79 $999.17 $54,164.31
314 $315.96 $1,005.00 $53,159.31
315 $310.10 $1,010.86 $52,148.44
316 $304.20 $1,016.76 $51,131.68
317 $298.27 $1,022.69 $50,108.99
318 $292.30 $1,028.66 $49,080.34
319 $286.30 $1,034.66 $48,045.68
320 $280.27 $1,040.69 $47,004.99
321 $274.20 $1,046.76 $45,958.23
322 $268.09 $1,052.87 $44,905.36
323 $261.95 $1,059.01 $43,846.35
324 $255.77 $1,065.19 $42,781.16
Total de años: 27
  Usted invertirá: $15,851.50 en su casa en el año 27
$3,469.18 irá al INTERES
$12,382.31 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
325 $249.56 $1,071.40 $41,709.76
326 $243.31 $1,077.65 $40,632.11
327 $237.02 $1,083.94 $39,548.17
328 $230.70 $1,090.26 $38,457.91
329 $224.34 $1,096.62 $37,361.29
330 $217.94 $1,103.02 $36,258.27
331 $211.51 $1,109.45 $35,148.82
332 $205.03 $1,115.92 $34,032.90
333 $198.53 $1,122.43 $32,910.47
334 $191.98 $1,128.98 $31,781.49
335 $185.39 $1,135.57 $30,645.92
336 $178.77 $1,142.19 $29,503.73
Total de años: 28
  Usted invertirá: $15,851.50 en su casa en el año 28
$2,574.06 irá al INTERES
$13,277.43 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
337 $172.11 $1,148.85 $28,354.88
338 $165.40 $1,155.55 $27,199.32
339 $158.66 $1,162.30 $26,037.03
340 $151.88 $1,169.08 $24,867.95
341 $145.06 $1,175.90 $23,692.06
342 $138.20 $1,182.75 $22,509.30
343 $131.30 $1,189.65 $21,319.65
344 $124.36 $1,196.59 $20,123.06
345 $117.38 $1,203.57 $18,919.48
346 $110.36 $1,210.59 $17,708.89
347 $103.30 $1,217.66 $16,491.23
348 $96.20 $1,224.76 $15,266.47
Total de años: 29
  Usted invertirá: $15,851.50 en su casa en el año 29
$1,614.24 irá al INTERES
$14,237.26 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
349 $89.05 $1,231.90 $14,034.57
350 $81.87 $1,239.09 $12,795.48
351 $74.64 $1,246.32 $11,549.16
352 $67.37 $1,253.59 $10,295.57
353 $60.06 $1,260.90 $9,034.67
354 $52.70 $1,268.26 $7,766.42
355 $45.30 $1,275.65 $6,490.76
356 $37.86 $1,283.10 $5,207.67
357 $30.38 $1,290.58 $3,917.09
358 $22.85 $1,298.11 $2,618.98
359 $15.28 $1,305.68 $1,313.30
360 $7.66 $1,313.30 $0.00
Total de años: 30
  Usted invertirá: $15,851.50 en su casa en el año 30
$585.03 irá al INTERES
$15,266.47 irá al PRINCIPAL
 

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