Lic. E-147

Calculadora Hipotecaria

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


Información de Pagos de la Hipoteca:
Pronto Pago: $18,495.00
Precio a Financiar: $351,405.00
Pago Mensual: $1,462.65


Mes: Interés Pagado: Principal Pagado: Balance Restante:
1 $849.23 $613.42 $350,791.58
2 $847.75 $614.91 $350,176.67
3 $846.26 $616.39 $349,560.28
4 $844.77 $617.88 $348,942.39
5 $843.28 $619.38 $348,323.02
6 $841.78 $620.87 $347,702.15
7 $840.28 $622.37 $347,079.77
8 $838.78 $623.88 $346,455.90
9 $837.27 $625.38 $345,830.51
10 $835.76 $626.90 $345,203.62
11 $834.24 $628.41 $344,575.21
12 $832.72 $629.93 $343,945.28
Total de años: 1
  Usted invertirá: $17,551.84 en su casa en el año 1
$10,092.11 irá al INTERES
$7,459.72 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
13 $831.20 $631.45 $343,313.82
14 $829.68 $632.98 $342,680.85
15 $828.15 $634.51 $342,046.34
16 $826.61 $636.04 $341,410.30
17 $825.07 $637.58 $340,772.72
18 $823.53 $639.12 $340,133.60
19 $821.99 $640.66 $339,492.94
20 $820.44 $642.21 $338,850.73
21 $818.89 $643.76 $338,206.96
22 $817.33 $645.32 $337,561.64
23 $815.77 $646.88 $336,914.76
24 $814.21 $648.44 $336,266.32
Total de años: 2
  Usted invertirá: $17,551.84 en su casa en el año 2
$9,872.88 irá al INTERES
$7,678.95 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
25 $812.64 $650.01 $335,616.31
26 $811.07 $651.58 $334,964.73
27 $809.50 $653.15 $334,311.58
28 $807.92 $654.73 $333,656.84
29 $806.34 $656.32 $333,000.53
30 $804.75 $657.90 $332,342.63
31 $803.16 $659.49 $331,683.13
32 $801.57 $661.09 $331,022.05
33 $799.97 $662.68 $330,359.37
34 $798.37 $664.28 $329,695.08
35 $796.76 $665.89 $329,029.19
36 $795.15 $667.50 $328,361.69
Total de años: 3
  Usted invertirá: $17,551.84 en su casa en el año 3
$9,647.21 irá al INTERES
$7,904.63 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
37 $793.54 $669.11 $327,692.58
38 $791.92 $670.73 $327,021.85
39 $790.30 $672.35 $326,349.50
40 $788.68 $673.98 $325,675.53
41 $787.05 $675.60 $324,999.92
42 $785.42 $677.24 $324,322.69
43 $783.78 $678.87 $323,643.81
44 $782.14 $680.51 $322,963.30
45 $780.49 $682.16 $322,281.14
46 $778.85 $683.81 $321,597.33
47 $777.19 $685.46 $320,911.87
48 $775.54 $687.12 $320,224.76
Total de años: 4
  Usted invertirá: $17,551.84 en su casa en el año 4
$9,414.90 irá al INTERES
$8,136.93 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
49 $773.88 $688.78 $319,535.98
50 $772.21 $690.44 $318,845.54
51 $770.54 $692.11 $318,153.43
52 $768.87 $693.78 $317,459.65
53 $767.19 $695.46 $316,764.19
54 $765.51 $697.14 $316,067.05
55 $763.83 $698.82 $315,368.23
56 $762.14 $700.51 $314,667.71
57 $760.45 $702.21 $313,965.51
58 $758.75 $703.90 $313,261.60
59 $757.05 $705.60 $312,556.00
60 $755.34 $707.31 $311,848.69
Total de años: 5
  Usted invertirá: $17,551.84 en su casa en el año 5
$9,175.77 irá al INTERES
$8,376.07 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
61 $753.63 $709.02 $311,139.67
62 $751.92 $710.73 $310,428.94
63 $750.20 $712.45 $309,716.49
64 $748.48 $714.17 $309,002.32
65 $746.76 $715.90 $308,286.42
66 $745.03 $717.63 $307,568.79
67 $743.29 $719.36 $306,849.43
68 $741.55 $721.10 $306,128.33
69 $739.81 $722.84 $305,405.49
70 $738.06 $724.59 $304,680.90
71 $736.31 $726.34 $303,954.56
72 $734.56 $728.10 $303,226.46
Total de años: 6
  Usted invertirá: $17,551.84 en su casa en el año 6
$8,929.61 irá al INTERES
$8,622.23 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
73 $732.80 $729.86 $302,496.61
74 $731.03 $731.62 $301,764.99
75 $729.27 $733.39 $301,031.60
76 $727.49 $735.16 $300,296.44
77 $725.72 $736.94 $299,559.50
78 $723.94 $738.72 $298,820.79
79 $722.15 $740.50 $298,080.28
80 $720.36 $742.29 $297,337.99
81 $718.57 $744.09 $296,593.91
82 $716.77 $745.88 $295,848.02
83 $714.97 $747.69 $295,100.33
84 $713.16 $749.49 $294,350.84
Total de años: 7
  Usted invertirá: $17,551.84 en su casa en el año 7
$8,676.21 irá al INTERES
$8,875.62 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
85 $711.35 $751.31 $293,599.54
86 $709.53 $753.12 $292,846.41
87 $707.71 $754.94 $292,091.47
88 $705.89 $756.77 $291,334.71
89 $704.06 $758.59 $290,576.11
90 $702.23 $760.43 $289,815.69
91 $700.39 $762.27 $289,053.42
92 $698.55 $764.11 $288,289.31
93 $696.70 $765.95 $287,523.36
94 $694.85 $767.80 $286,755.56
95 $692.99 $769.66 $285,985.90
96 $691.13 $771.52 $285,214.38
Total de años: 8
  Usted invertirá: $17,551.84 en su casa en el año 8
$8,415.37 irá al INTERES
$9,136.46 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
97 $689.27 $773.38 $284,440.99
98 $687.40 $775.25 $283,665.74
99 $685.53 $777.13 $282,888.61
100 $683.65 $779.01 $282,109.60
101 $681.76 $780.89 $281,328.72
102 $679.88 $782.78 $280,545.94
103 $677.99 $784.67 $279,761.27
104 $676.09 $786.56 $278,974.71
105 $674.19 $788.46 $278,186.25
106 $672.28 $790.37 $277,395.88
107 $670.37 $792.28 $276,603.60
108 $668.46 $794.19 $275,809.40
Total de años: 9
  Usted invertirá: $17,551.84 en su casa en el año 9
$8,146.86 irá al INTERES
$9,404.97 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
109 $666.54 $796.11 $275,013.29
110 $664.62 $798.04 $274,215.25
111 $662.69 $799.97 $273,415.29
112 $660.75 $801.90 $272,613.39
113 $658.82 $803.84 $271,809.55
114 $656.87 $805.78 $271,003.77
115 $654.93 $807.73 $270,196.04
116 $652.97 $809.68 $269,386.36
117 $651.02 $811.64 $268,574.73
118 $649.06 $813.60 $267,761.13
119 $647.09 $815.56 $266,945.57
120 $645.12 $817.53 $266,128.03
Total de años: 10
  Usted invertirá: $17,551.84 en su casa en el año 10
$7,870.46 irá al INTERES
$9,681.37 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
121 $643.14 $819.51 $265,308.52
122 $641.16 $821.49 $264,487.03
123 $639.18 $823.48 $263,663.55
124 $637.19 $825.47 $262,838.09
125 $635.19 $827.46 $262,010.63
126 $633.19 $829.46 $261,181.17
127 $631.19 $831.47 $260,349.70
128 $629.18 $833.47 $259,516.23
129 $627.16 $835.49 $258,680.74
130 $625.15 $837.51 $257,843.23
131 $623.12 $839.53 $257,003.70
132 $621.09 $841.56 $256,162.14
Total de años: 11
  Usted invertirá: $17,551.84 en su casa en el año 11
$7,585.94 irá al INTERES
$9,965.89 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
133 $619.06 $843.59 $255,318.54
134 $617.02 $845.63 $254,472.91
135 $614.98 $847.68 $253,625.23
136 $612.93 $849.73 $252,775.51
137 $610.87 $851.78 $251,923.73
138 $608.82 $853.84 $251,069.89
139 $606.75 $855.90 $250,213.99
140 $604.68 $857.97 $249,356.02
141 $602.61 $860.04 $248,495.98
142 $600.53 $862.12 $247,633.86
143 $598.45 $864.20 $246,769.65
144 $596.36 $866.29 $245,903.36
Total de años: 12
  Usted invertirá: $17,551.84 en su casa en el año 12
$7,293.06 irá al INTERES
$10,258.78 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
145 $594.27 $868.39 $245,034.97
146 $592.17 $870.49 $244,164.49
147 $590.06 $872.59 $243,291.90
148 $587.96 $874.70 $242,417.20
149 $585.84 $876.81 $241,540.39
150 $583.72 $878.93 $240,661.46
151 $581.60 $881.05 $239,780.41
152 $579.47 $883.18 $238,897.22
153 $577.33 $885.32 $238,011.91
154 $575.20 $887.46 $237,124.45
155 $573.05 $889.60 $236,234.85
156 $570.90 $891.75 $235,343.09
Total de años: 13
  Usted invertirá: $17,551.84 en su casa en el año 13
$6,991.57 irá al INTERES
$10,560.27 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
157 $568.75 $893.91 $234,449.19
158 $566.59 $896.07 $233,553.12
159 $564.42 $898.23 $232,654.89
160 $562.25 $900.40 $231,754.48
161 $560.07 $902.58 $230,851.90
162 $557.89 $904.76 $229,947.14
163 $555.71 $906.95 $229,040.19
164 $553.51 $909.14 $228,131.06
165 $551.32 $911.34 $227,219.72
166 $549.11 $913.54 $226,306.18
167 $546.91 $915.75 $225,390.43
168 $544.69 $917.96 $224,472.47
Total de años: 14
  Usted invertirá: $17,551.84 en su casa en el año 14
$6,681.22 irá al INTERES
$10,870.62 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
169 $542.48 $920.18 $223,552.30
170 $540.25 $922.40 $222,629.90
171 $538.02 $924.63 $221,705.26
172 $535.79 $926.87 $220,778.40
173 $533.55 $929.11 $219,849.29
174 $531.30 $931.35 $218,917.94
175 $529.05 $933.60 $217,984.34
176 $526.80 $935.86 $217,048.49
177 $524.53 $938.12 $216,110.37
178 $522.27 $940.39 $215,169.98
179 $519.99 $942.66 $214,227.32
180 $517.72 $944.94 $213,282.38
Total de años: 15
  Usted invertirá: $17,551.84 en su casa en el año 15
$6,361.74 irá al INTERES
$11,190.09 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
181 $515.43 $947.22 $212,335.16
182 $513.14 $949.51 $211,385.65
183 $510.85 $951.80 $210,433.85
184 $508.55 $954.10 $209,479.74
185 $506.24 $956.41 $208,523.33
186 $503.93 $958.72 $207,564.61
187 $501.61 $961.04 $206,603.57
188 $499.29 $963.36 $205,640.21
189 $496.96 $965.69 $204,674.52
190 $494.63 $968.02 $203,706.50
191 $492.29 $970.36 $202,736.14
192 $489.95 $972.71 $201,763.43
Total de años: 16
  Usted invertirá: $17,551.84 en su casa en el año 16
$6,032.88 irá al INTERES
$11,518.95 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
193 $487.59 $975.06 $200,788.37
194 $485.24 $977.41 $199,810.96
195 $482.88 $979.78 $198,831.18
196 $480.51 $982.14 $197,849.04
197 $478.14 $984.52 $196,864.52
198 $475.76 $986.90 $195,877.62
199 $473.37 $989.28 $194,888.34
200 $470.98 $991.67 $193,896.67
201 $468.58 $994.07 $192,902.60
202 $466.18 $996.47 $191,906.13
203 $463.77 $998.88 $190,907.25
204 $461.36 $1,001.29 $189,905.95
Total de años: 17
  Usted invertirá: $17,551.84 en su casa en el año 17
$5,694.36 irá al INTERES
$11,857.48 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
205 $458.94 $1,003.71 $188,902.24
206 $456.51 $1,006.14 $187,896.10
207 $454.08 $1,008.57 $186,887.53
208 $451.64 $1,011.01 $185,876.52
209 $449.20 $1,013.45 $184,863.07
210 $446.75 $1,015.90 $183,847.17
211 $444.30 $1,018.36 $182,828.82
212 $441.84 $1,020.82 $181,808.00
213 $439.37 $1,023.28 $180,784.72
214 $436.90 $1,025.76 $179,758.96
215 $434.42 $1,028.24 $178,730.72
216 $431.93 $1,030.72 $177,700.00
Total de años: 18
  Usted invertirá: $17,551.84 en su casa en el año 18
$5,345.88 irá al INTERES
$12,205.95 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
217 $429.44 $1,033.21 $176,666.79
218 $426.94 $1,035.71 $175,631.08
219 $424.44 $1,038.21 $174,592.87
220 $421.93 $1,040.72 $173,552.15
221 $419.42 $1,043.24 $172,508.92
222 $416.90 $1,045.76 $171,463.16
223 $414.37 $1,048.28 $170,414.88
224 $411.84 $1,050.82 $169,364.06
225 $409.30 $1,053.36 $168,310.70
226 $406.75 $1,055.90 $167,254.80
227 $404.20 $1,058.45 $166,196.35
228 $401.64 $1,061.01 $165,135.34
Total de años: 19
  Usted invertirá: $17,551.84 en su casa en el año 19
$4,987.17 irá al INTERES
$12,564.67 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
229 $399.08 $1,063.58 $164,071.76
230 $396.51 $1,066.15 $163,005.61
231 $393.93 $1,068.72 $161,936.89
232 $391.35 $1,071.31 $160,865.59
233 $388.76 $1,073.89 $159,791.69
234 $386.16 $1,076.49 $158,715.20
235 $383.56 $1,079.09 $157,636.11
236 $380.95 $1,081.70 $156,554.41
237 $378.34 $1,084.31 $155,470.10
238 $375.72 $1,086.93 $154,383.16
239 $373.09 $1,089.56 $153,293.60
240 $370.46 $1,092.19 $152,201.41
Total de años: 20
  Usted invertirá: $17,551.84 en su casa en el año 20
$4,617.91 irá al INTERES
$12,933.93 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
241 $367.82 $1,094.83 $151,106.58
242 $365.17 $1,097.48 $150,009.10
243 $362.52 $1,100.13 $148,908.97
244 $359.86 $1,102.79 $147,806.18
245 $357.20 $1,105.45 $146,700.72
246 $354.53 $1,108.13 $145,592.60
247 $351.85 $1,110.80 $144,481.79
248 $349.16 $1,113.49 $143,368.30
249 $346.47 $1,116.18 $142,252.12
250 $343.78 $1,118.88 $141,133.25
251 $341.07 $1,121.58 $140,011.67
252 $338.36 $1,124.29 $138,887.38
Total de años: 21
  Usted invertirá: $17,551.84 en su casa en el año 21
$4,237.80 irá al INTERES
$13,314.03 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
253 $335.64 $1,127.01 $137,760.37
254 $332.92 $1,129.73 $136,630.63
255 $330.19 $1,132.46 $135,498.17
256 $327.45 $1,135.20 $134,362.97
257 $324.71 $1,137.94 $133,225.03
258 $321.96 $1,140.69 $132,084.34
259 $319.20 $1,143.45 $130,940.89
260 $316.44 $1,146.21 $129,794.68
261 $313.67 $1,148.98 $128,645.69
262 $310.89 $1,151.76 $127,493.94
263 $308.11 $1,154.54 $126,339.39
264 $305.32 $1,157.33 $125,182.06
Total de años: 22
  Usted invertirá: $17,551.84 en su casa en el año 22
$3,846.52 irá al INTERES
$13,705.32 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
265 $302.52 $1,160.13 $124,021.93
266 $299.72 $1,162.93 $122,859.00
267 $296.91 $1,165.74 $121,693.25
268 $294.09 $1,168.56 $120,524.69
269 $291.27 $1,171.38 $119,353.31
270 $288.44 $1,174.22 $118,179.09
271 $285.60 $1,177.05 $117,002.04
272 $282.75 $1,179.90 $115,822.14
273 $279.90 $1,182.75 $114,639.39
274 $277.05 $1,185.61 $113,453.78
275 $274.18 $1,188.47 $112,265.31
276 $271.31 $1,191.35 $111,073.96
Total de años: 23
  Usted invertirá: $17,551.84 en su casa en el año 23
$3,443.74 irá al INTERES
$14,108.10 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
277 $268.43 $1,194.22 $109,879.74
278 $265.54 $1,197.11 $108,682.63
279 $262.65 $1,200.00 $107,482.63
280 $259.75 $1,202.90 $106,279.72
281 $256.84 $1,205.81 $105,073.91
282 $253.93 $1,208.72 $103,865.19
283 $251.01 $1,211.65 $102,653.54
284 $248.08 $1,214.57 $101,438.97
285 $245.14 $1,217.51 $100,221.46
286 $242.20 $1,220.45 $99,001.01
287 $239.25 $1,223.40 $97,777.61
288 $236.30 $1,226.36 $96,551.25
Total de años: 24
  Usted invertirá: $17,551.84 en su casa en el año 24
$3,029.12 irá al INTERES
$14,522.71 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
289 $233.33 $1,229.32 $95,321.93
290 $230.36 $1,232.29 $94,089.64
291 $227.38 $1,235.27 $92,854.37
292 $224.40 $1,238.25 $91,616.12
293 $221.41 $1,241.25 $90,374.87
294 $218.41 $1,244.25 $89,130.62
295 $215.40 $1,247.25 $87,883.37
296 $212.38 $1,250.27 $86,633.10
297 $209.36 $1,253.29 $85,379.81
298 $206.33 $1,256.32 $84,123.49
299 $203.30 $1,259.35 $82,864.14
300 $200.25 $1,262.40 $81,601.74
Total de años: 25
  Usted invertirá: $17,551.84 en su casa en el año 25
$2,602.32 irá al INTERES
$14,949.51 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
301 $197.20 $1,265.45 $80,336.29
302 $194.15 $1,268.51 $79,067.78
303 $191.08 $1,271.57 $77,796.21
304 $188.01 $1,274.65 $76,521.56
305 $184.93 $1,277.73 $75,243.84
306 $181.84 $1,280.81 $73,963.03
307 $178.74 $1,283.91 $72,679.12
308 $175.64 $1,287.01 $71,392.10
309 $172.53 $1,290.12 $70,101.98
310 $169.41 $1,293.24 $68,808.74
311 $166.29 $1,296.37 $67,512.38
312 $163.15 $1,299.50 $66,212.88
Total de años: 26
  Usted invertirá: $17,551.84 en su casa en el año 26
$2,162.98 irá al INTERES
$15,388.86 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
313 $160.01 $1,302.64 $64,910.24
314 $156.87 $1,305.79 $63,604.45
315 $153.71 $1,308.94 $62,295.51
316 $150.55 $1,312.11 $60,983.41
317 $147.38 $1,315.28 $59,668.13
318 $144.20 $1,318.45 $58,349.68
319 $141.01 $1,321.64 $57,028.03
320 $137.82 $1,324.84 $55,703.20
321 $134.62 $1,328.04 $54,375.16
322 $131.41 $1,331.25 $53,043.92
323 $128.19 $1,334.46 $51,709.45
324 $124.96 $1,337.69 $50,371.76
Total de años: 27
  Usted invertirá: $17,551.84 en su casa en el año 27
$1,710.72 irá al INTERES
$15,841.12 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
325 $121.73 $1,340.92 $49,030.84
326 $118.49 $1,344.16 $47,686.68
327 $115.24 $1,347.41 $46,339.27
328 $111.99 $1,350.67 $44,988.60
329 $108.72 $1,353.93 $43,634.67
330 $105.45 $1,357.20 $42,277.47
331 $102.17 $1,360.48 $40,916.99
332 $98.88 $1,363.77 $39,553.22
333 $95.59 $1,367.07 $38,186.15
334 $92.28 $1,370.37 $36,815.78
335 $88.97 $1,373.68 $35,442.10
336 $85.65 $1,377.00 $34,065.10
Total de años: 28
  Usted invertirá: $17,551.84 en su casa en el año 28
$1,245.17 irá al INTERES
$16,306.66 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
337 $82.32 $1,380.33 $32,684.77
338 $78.99 $1,383.66 $31,301.11
339 $75.64 $1,387.01 $29,914.10
340 $72.29 $1,390.36 $28,523.74
341 $68.93 $1,393.72 $27,130.02
342 $65.56 $1,397.09 $25,732.93
343 $62.19 $1,400.47 $24,332.46
344 $58.80 $1,403.85 $22,928.61
345 $55.41 $1,407.24 $21,521.37
346 $52.01 $1,410.64 $20,110.73
347 $48.60 $1,414.05 $18,696.68
348 $45.18 $1,417.47 $17,279.21
Total de años: 29
  Usted invertirá: $17,551.84 en su casa en el año 29
$765.94 irá al INTERES
$16,785.89 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
349 $41.76 $1,420.89 $15,858.31
350 $38.32 $1,424.33 $14,433.98
351 $34.88 $1,427.77 $13,006.21
352 $31.43 $1,431.22 $11,574.99
353 $27.97 $1,434.68 $10,140.31
354 $24.51 $1,438.15 $8,702.16
355 $21.03 $1,441.62 $7,260.54
356 $17.55 $1,445.11 $5,815.43
357 $14.05 $1,448.60 $4,366.84
358 $10.55 $1,452.10 $2,914.74
359 $7.04 $1,455.61 $1,459.13
360 $3.53 $1,459.13 $0.00
Total de años: 30
  Usted invertirá: $17,551.84 en su casa en el año 30
$272.63 irá al INTERES
$17,279.21 irá al PRINCIPAL
 


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