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: $18,750.00
Precio a Financiar: $356,250.00
Pago Mensual: $1,482.82


Mes: Interés Pagado: Principal Pagado: Balance Restante:
1 $860.94 $621.88 $355,628.12
2 $859.43 $623.38 $355,004.73
3 $857.93 $624.89 $354,379.84
4 $856.42 $626.40 $353,753.44
5 $854.90 $627.92 $353,125.53
6 $853.39 $629.43 $352,496.09
7 $851.87 $630.95 $351,865.14
8 $850.34 $632.48 $351,232.66
9 $848.81 $634.01 $350,598.65
10 $847.28 $635.54 $349,963.11
11 $845.74 $637.08 $349,326.04
12 $844.20 $638.61 $348,687.42
Total de años: 1
  Usted invertirá: $17,793.83 en su casa en el año 1
$10,231.26 irá al INTERES
$7,562.58 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
13 $842.66 $640.16 $348,047.27
14 $841.11 $641.71 $347,405.56
15 $839.56 $643.26 $346,762.31
16 $838.01 $644.81 $346,117.50
17 $836.45 $646.37 $345,471.13
18 $834.89 $647.93 $344,823.20
19 $833.32 $649.50 $344,173.70
20 $831.75 $651.07 $343,522.63
21 $830.18 $652.64 $342,869.99
22 $828.60 $654.22 $342,215.78
23 $827.02 $655.80 $341,559.98
24 $825.44 $657.38 $340,902.60
Total de años: 2
  Usted invertirá: $17,793.83 en su casa en el año 2
$10,009.00 irá al INTERES
$7,784.83 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
25 $823.85 $658.97 $340,243.62
26 $822.26 $660.56 $339,583.06
27 $820.66 $662.16 $338,920.90
28 $819.06 $663.76 $338,257.14
29 $817.45 $665.36 $337,591.78
30 $815.85 $666.97 $336,924.80
31 $814.23 $668.58 $336,256.22
32 $812.62 $670.20 $335,586.02
33 $811.00 $671.82 $334,914.20
34 $809.38 $673.44 $334,240.76
35 $807.75 $675.07 $333,565.68
36 $806.12 $676.70 $332,888.98
Total de años: 3
  Usted invertirá: $17,793.83 en su casa en el año 3
$9,780.22 irá al INTERES
$8,013.61 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
37 $804.48 $678.34 $332,210.65
38 $802.84 $679.98 $331,530.67
39 $801.20 $681.62 $330,849.05
40 $799.55 $683.27 $330,165.78
41 $797.90 $684.92 $329,480.86
42 $796.25 $686.57 $328,794.29
43 $794.59 $688.23 $328,106.05
44 $792.92 $689.90 $327,416.16
45 $791.26 $691.56 $326,724.59
46 $789.58 $693.23 $326,031.36
47 $787.91 $694.91 $325,336.45
48 $786.23 $696.59 $324,639.86
Total de años: 4
  Usted invertirá: $17,793.83 en su casa en el año 4
$9,544.71 irá al INTERES
$8,249.12 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
49 $784.55 $698.27 $323,941.59
50 $782.86 $699.96 $323,241.63
51 $781.17 $701.65 $322,539.97
52 $779.47 $703.35 $321,836.63
53 $777.77 $705.05 $321,131.58
54 $776.07 $706.75 $320,424.83
55 $774.36 $708.46 $319,716.37
56 $772.65 $710.17 $319,006.20
57 $770.93 $711.89 $318,294.31
58 $769.21 $713.61 $317,580.70
59 $767.49 $715.33 $316,865.37
60 $765.76 $717.06 $316,148.31
Total de años: 5
  Usted invertirá: $17,793.83 en su casa en el año 5
$9,302.28 irá al INTERES
$8,491.55 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
61 $764.03 $718.79 $315,429.51
62 $762.29 $720.53 $314,708.98
63 $760.55 $722.27 $313,986.71
64 $758.80 $724.02 $313,262.69
65 $757.05 $725.77 $312,536.92
66 $755.30 $727.52 $311,809.40
67 $753.54 $729.28 $311,080.12
68 $751.78 $731.04 $310,349.08
69 $750.01 $732.81 $309,616.27
70 $748.24 $734.58 $308,881.69
71 $746.46 $736.36 $308,145.34
72 $744.68 $738.13 $307,407.20
Total de años: 6
  Usted invertirá: $17,793.83 en su casa en el año 6
$9,052.72 irá al INTERES
$8,741.11 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
73 $742.90 $739.92 $306,667.28
74 $741.11 $741.71 $305,925.58
75 $739.32 $743.50 $305,182.08
76 $737.52 $745.30 $304,436.78
77 $735.72 $747.10 $303,689.68
78 $733.92 $748.90 $302,940.78
79 $732.11 $750.71 $302,190.07
80 $730.29 $752.53 $301,437.54
81 $728.47 $754.35 $300,683.20
82 $726.65 $756.17 $299,927.03
83 $724.82 $758.00 $299,169.03
84 $722.99 $759.83 $298,409.21
Total de años: 7
  Usted invertirá: $17,793.83 en su casa en el año 7
$8,795.84 irá al INTERES
$8,998.00 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
85 $721.16 $761.66 $297,647.54
86 $719.31 $763.50 $296,884.04
87 $717.47 $765.35 $296,118.69
88 $715.62 $767.20 $295,351.49
89 $713.77 $769.05 $294,582.44
90 $711.91 $770.91 $293,811.52
91 $710.04 $772.77 $293,038.75
92 $708.18 $774.64 $292,264.11
93 $706.30 $776.51 $291,487.59
94 $704.43 $778.39 $290,709.20
95 $702.55 $780.27 $289,928.93
96 $700.66 $782.16 $289,146.77
Total de años: 8
  Usted invertirá: $17,793.83 en su casa en el año 8
$8,531.40 irá al INTERES
$9,262.43 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
97 $698.77 $784.05 $288,362.72
98 $696.88 $785.94 $287,576.78
99 $694.98 $787.84 $286,788.94
100 $693.07 $789.75 $285,999.19
101 $691.16 $791.65 $285,207.54
102 $689.25 $793.57 $284,413.97
103 $687.33 $795.49 $283,618.48
104 $685.41 $797.41 $282,821.08
105 $683.48 $799.34 $282,021.74
106 $681.55 $801.27 $281,220.47
107 $679.62 $803.20 $280,417.27
108 $677.68 $805.14 $279,612.13
Total de años: 9
  Usted invertirá: $17,793.83 en su casa en el año 9
$8,259.19 irá al INTERES
$9,534.64 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
109 $675.73 $807.09 $278,805.04
110 $673.78 $809.04 $277,996.00
111 $671.82 $811.00 $277,185.00
112 $669.86 $812.96 $276,372.05
113 $667.90 $814.92 $275,557.13
114 $665.93 $816.89 $274,740.24
115 $663.96 $818.86 $273,921.37
116 $661.98 $820.84 $273,100.53
117 $659.99 $822.83 $272,277.70
118 $658.00 $824.81 $271,452.89
119 $656.01 $826.81 $270,626.08
120 $654.01 $828.81 $269,797.27
Total de años: 10
  Usted invertirá: $17,793.83 en su casa en el año 10
$7,978.98 irá al INTERES
$9,814.85 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
121 $652.01 $830.81 $268,966.46
122 $650.00 $832.82 $268,133.65
123 $647.99 $834.83 $267,298.82
124 $645.97 $836.85 $266,461.97
125 $643.95 $838.87 $265,623.10
126 $641.92 $840.90 $264,782.20
127 $639.89 $842.93 $263,939.28
128 $637.85 $844.97 $263,094.31
129 $635.81 $847.01 $262,247.30
130 $633.76 $849.05 $261,398.25
131 $631.71 $851.11 $260,547.14
132 $629.66 $853.16 $259,693.98
Total de años: 11
  Usted invertirá: $17,793.83 en su casa en el año 11
$7,690.53 irá al INTERES
$10,103.30 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
133 $627.59 $855.23 $258,838.75
134 $625.53 $857.29 $257,981.46
135 $623.46 $859.36 $257,122.09
136 $621.38 $861.44 $256,260.65
137 $619.30 $863.52 $255,397.13
138 $617.21 $865.61 $254,531.52
139 $615.12 $867.70 $253,663.82
140 $613.02 $869.80 $252,794.02
141 $610.92 $871.90 $251,922.12
142 $608.81 $874.01 $251,048.11
143 $606.70 $876.12 $250,171.99
144 $604.58 $878.24 $249,293.76
Total de años: 12
  Usted invertirá: $17,793.83 en su casa en el año 12
$7,393.61 irá al INTERES
$10,400.22 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
145 $602.46 $880.36 $248,413.40
146 $600.33 $882.49 $247,530.91
147 $598.20 $884.62 $246,646.29
148 $596.06 $886.76 $245,759.53
149 $593.92 $888.90 $244,870.63
150 $591.77 $891.05 $243,979.58
151 $589.62 $893.20 $243,086.38
152 $587.46 $895.36 $242,191.02
153 $585.29 $897.52 $241,293.50
154 $583.13 $899.69 $240,393.80
155 $580.95 $901.87 $239,491.94
156 $578.77 $904.05 $238,587.89
Total de años: 13
  Usted invertirá: $17,793.83 en su casa en el año 13
$7,087.96 irá al INTERES
$10,705.87 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
157 $576.59 $906.23 $237,681.66
158 $574.40 $908.42 $236,773.24
159 $572.20 $910.62 $235,862.62
160 $570.00 $912.82 $234,949.80
161 $567.80 $915.02 $234,034.78
162 $565.58 $917.24 $233,117.54
163 $563.37 $919.45 $232,198.09
164 $561.15 $921.67 $231,276.41
165 $558.92 $923.90 $230,352.51
166 $556.69 $926.13 $229,426.38
167 $554.45 $928.37 $228,498.01
168 $552.20 $930.62 $227,567.39
Total de años: 14
  Usted invertirá: $17,793.83 en su casa en el año 14
$6,773.33 irá al INTERES
$11,020.50 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
169 $549.95 $932.86 $226,634.53
170 $547.70 $935.12 $225,699.41
171 $545.44 $937.38 $224,762.03
172 $543.17 $939.64 $223,822.38
173 $540.90 $941.92 $222,880.47
174 $538.63 $944.19 $221,936.28
175 $536.35 $946.47 $220,989.80
176 $534.06 $948.76 $220,041.04
177 $531.77 $951.05 $219,089.99
178 $529.47 $953.35 $218,136.64
179 $527.16 $955.66 $217,180.98
180 $524.85 $957.97 $216,223.02
Total de años: 15
  Usted invertirá: $17,793.83 en su casa en el año 15
$6,449.46 irá al INTERES
$11,344.37 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
181 $522.54 $960.28 $215,262.74
182 $520.22 $962.60 $214,300.14
183 $517.89 $964.93 $213,335.21
184 $515.56 $967.26 $212,367.95
185 $513.22 $969.60 $211,398.35
186 $510.88 $971.94 $210,426.41
187 $508.53 $974.29 $209,452.12
188 $506.18 $976.64 $208,475.48
189 $503.82 $979.00 $207,496.48
190 $501.45 $981.37 $206,515.11
191 $499.08 $983.74 $205,531.37
192 $496.70 $986.12 $204,545.25
Total de años: 16
  Usted invertirá: $17,793.83 en su casa en el año 16
$6,116.06 irá al INTERES
$11,677.77 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
193 $494.32 $988.50 $203,556.75
194 $491.93 $990.89 $202,565.86
195 $489.53 $993.29 $201,572.57
196 $487.13 $995.69 $200,576.88
197 $484.73 $998.09 $199,578.79
198 $482.32 $1,000.50 $198,578.29
199 $479.90 $1,002.92 $197,575.37
200 $477.47 $1,005.35 $196,570.02
201 $475.04 $1,007.78 $195,562.25
202 $472.61 $1,010.21 $194,552.04
203 $470.17 $1,012.65 $193,539.38
204 $467.72 $1,015.10 $192,524.28
Total de años: 17
  Usted invertirá: $17,793.83 en su casa en el año 17
$5,772.87 irá al INTERES
$12,020.96 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
205 $465.27 $1,017.55 $191,506.73
206 $462.81 $1,020.01 $190,486.72
207 $460.34 $1,022.48 $189,464.24
208 $457.87 $1,024.95 $188,439.30
209 $455.39 $1,027.42 $187,411.87
210 $452.91 $1,029.91 $186,381.97
211 $450.42 $1,032.40 $185,349.57
212 $447.93 $1,034.89 $184,314.68
213 $445.43 $1,037.39 $183,277.29
214 $442.92 $1,039.90 $182,237.39
215 $440.41 $1,042.41 $181,194.97
216 $437.89 $1,044.93 $180,150.04
Total de años: 18
  Usted invertirá: $17,793.83 en su casa en el año 18
$5,419.59 irá al INTERES
$12,374.24 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
217 $435.36 $1,047.46 $179,102.59
218 $432.83 $1,049.99 $178,052.60
219 $430.29 $1,052.53 $177,000.07
220 $427.75 $1,055.07 $175,945.00
221 $425.20 $1,057.62 $174,887.39
222 $422.64 $1,060.17 $173,827.21
223 $420.08 $1,062.74 $172,764.47
224 $417.51 $1,065.31 $171,699.17
225 $414.94 $1,067.88 $170,631.29
226 $412.36 $1,070.46 $169,560.83
227 $409.77 $1,073.05 $168,487.78
228 $407.18 $1,075.64 $167,412.14
Total de años: 19
  Usted invertirá: $17,793.83 en su casa en el año 19
$5,055.93 irá al INTERES
$12,737.90 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
229 $404.58 $1,078.24 $166,333.90
230 $401.97 $1,080.85 $165,253.05
231 $399.36 $1,083.46 $164,169.60
232 $396.74 $1,086.08 $163,083.52
233 $394.12 $1,088.70 $161,994.82
234 $391.49 $1,091.33 $160,903.49
235 $388.85 $1,093.97 $159,809.52
236 $386.21 $1,096.61 $158,712.91
237 $383.56 $1,099.26 $157,613.64
238 $380.90 $1,101.92 $156,511.72
239 $378.24 $1,104.58 $155,407.14
240 $375.57 $1,107.25 $154,299.89
Total de años: 20
  Usted invertirá: $17,793.83 en su casa en el año 20
$4,681.58 irá al INTERES
$13,112.25 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
241 $372.89 $1,109.93 $153,189.96
242 $370.21 $1,112.61 $152,077.35
243 $367.52 $1,115.30 $150,962.05
244 $364.82 $1,117.99 $149,844.06
245 $362.12 $1,120.70 $148,723.36
246 $359.41 $1,123.40 $147,599.96
247 $356.70 $1,126.12 $146,473.84
248 $353.98 $1,128.84 $145,345.00
249 $351.25 $1,131.57 $144,213.43
250 $348.52 $1,134.30 $143,079.12
251 $345.77 $1,137.04 $141,942.08
252 $343.03 $1,139.79 $140,802.29
Total de años: 21
  Usted invertirá: $17,793.83 en su casa en el año 21
$4,296.23 irá al INTERES
$13,497.60 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
253 $340.27 $1,142.55 $139,659.74
254 $337.51 $1,145.31 $138,514.43
255 $334.74 $1,148.08 $137,366.35
256 $331.97 $1,150.85 $136,215.50
257 $329.19 $1,153.63 $135,061.87
258 $326.40 $1,156.42 $133,905.45
259 $323.60 $1,159.21 $132,746.24
260 $320.80 $1,162.02 $131,584.22
261 $318.00 $1,164.82 $130,419.40
262 $315.18 $1,167.64 $129,251.76
263 $312.36 $1,170.46 $128,081.30
264 $309.53 $1,173.29 $126,908.01
Total de años: 22
  Usted invertirá: $17,793.83 en su casa en el año 22
$3,899.55 irá al INTERES
$13,894.28 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
265 $306.69 $1,176.12 $125,731.88
266 $303.85 $1,178.97 $124,552.92
267 $301.00 $1,181.82 $123,371.10
268 $298.15 $1,184.67 $122,186.43
269 $295.28 $1,187.54 $120,998.89
270 $292.41 $1,190.41 $119,808.49
271 $289.54 $1,193.28 $118,615.20
272 $286.65 $1,196.17 $117,419.04
273 $283.76 $1,199.06 $116,219.98
274 $280.86 $1,201.95 $115,018.03
275 $277.96 $1,204.86 $113,813.17
276 $275.05 $1,207.77 $112,605.40
Total de años: 23
  Usted invertirá: $17,793.83 en su casa en el año 23
$3,491.22 irá al INTERES
$14,302.61 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
277 $272.13 $1,210.69 $111,394.71
278 $269.20 $1,213.62 $110,181.09
279 $266.27 $1,216.55 $108,964.54
280 $263.33 $1,219.49 $107,745.06
281 $260.38 $1,222.44 $106,522.62
282 $257.43 $1,225.39 $105,297.23
283 $254.47 $1,228.35 $104,068.88
284 $251.50 $1,231.32 $102,837.56
285 $248.52 $1,234.30 $101,603.27
286 $245.54 $1,237.28 $100,365.99
287 $242.55 $1,240.27 $99,125.72
288 $239.55 $1,243.27 $97,882.45
Total de años: 24
  Usted invertirá: $17,793.83 en su casa en el año 24
$3,070.89 irá al INTERES
$14,722.94 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
289 $236.55 $1,246.27 $96,636.18
290 $233.54 $1,249.28 $95,386.90
291 $230.52 $1,252.30 $94,134.60
292 $227.49 $1,255.33 $92,879.27
293 $224.46 $1,258.36 $91,620.91
294 $221.42 $1,261.40 $90,359.51
295 $218.37 $1,264.45 $89,095.06
296 $215.31 $1,267.51 $87,827.55
297 $212.25 $1,270.57 $86,556.98
298 $209.18 $1,273.64 $85,283.34
299 $206.10 $1,276.72 $84,006.63
300 $203.02 $1,279.80 $82,726.82
Total de años: 25
  Usted invertirá: $17,793.83 en su casa en el año 25
$2,638.20 irá al INTERES
$15,155.63 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
301 $199.92 $1,282.90 $81,443.93
302 $196.82 $1,286.00 $80,157.93
303 $193.71 $1,289.10 $78,868.83
304 $190.60 $1,292.22 $77,576.61
305 $187.48 $1,295.34 $76,281.26
306 $184.35 $1,298.47 $74,982.79
307 $181.21 $1,301.61 $73,681.18
308 $178.06 $1,304.76 $72,376.42
309 $174.91 $1,307.91 $71,068.51
310 $171.75 $1,311.07 $69,757.44
311 $168.58 $1,314.24 $68,443.21
312 $165.40 $1,317.41 $67,125.79
Total de años: 26
  Usted invertirá: $17,793.83 en su casa en el año 26
$2,192.80 irá al INTERES
$15,601.03 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
313 $162.22 $1,320.60 $65,805.19
314 $159.03 $1,323.79 $64,481.40
315 $155.83 $1,326.99 $63,154.41
316 $152.62 $1,330.20 $61,824.22
317 $149.41 $1,333.41 $60,490.81
318 $146.19 $1,336.63 $59,154.17
319 $142.96 $1,339.86 $57,814.31
320 $139.72 $1,343.10 $56,471.21
321 $136.47 $1,346.35 $55,124.86
322 $133.22 $1,349.60 $53,775.26
323 $129.96 $1,352.86 $52,422.40
324 $126.69 $1,356.13 $51,066.27
Total de años: 27
  Usted invertirá: $17,793.83 en su casa en el año 27
$1,734.31 irá al INTERES
$16,059.53 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
325 $123.41 $1,359.41 $49,706.86
326 $120.12 $1,362.69 $48,344.16
327 $116.83 $1,365.99 $46,978.17
328 $113.53 $1,369.29 $45,608.89
329 $110.22 $1,372.60 $44,236.29
330 $106.90 $1,375.91 $42,860.37
331 $103.58 $1,379.24 $41,481.13
332 $100.25 $1,382.57 $40,098.56
333 $96.90 $1,385.91 $38,712.64
334 $93.56 $1,389.26 $37,323.38
335 $90.20 $1,392.62 $35,930.76
336 $86.83 $1,395.99 $34,534.77
Total de años: 28
  Usted invertirá: $17,793.83 en su casa en el año 28
$1,262.34 irá al INTERES
$16,531.49 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
337 $83.46 $1,399.36 $33,135.41
338 $80.08 $1,402.74 $31,732.67
339 $76.69 $1,406.13 $30,326.54
340 $73.29 $1,409.53 $28,917.01
341 $69.88 $1,412.94 $27,504.07
342 $66.47 $1,416.35 $26,087.72
343 $63.05 $1,419.77 $24,667.95
344 $59.61 $1,423.21 $23,244.74
345 $56.17 $1,426.64 $21,818.10
346 $52.73 $1,430.09 $20,388.01
347 $49.27 $1,433.55 $18,954.46
348 $45.81 $1,437.01 $17,517.44
Total de años: 29
  Usted invertirá: $17,793.83 en su casa en el año 29
$776.50 irá al INTERES
$17,017.33 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
349 $42.33 $1,440.49 $16,076.96
350 $38.85 $1,443.97 $14,632.99
351 $35.36 $1,447.46 $13,185.54
352 $31.87 $1,450.95 $11,734.58
353 $28.36 $1,454.46 $10,280.12
354 $24.84 $1,457.98 $8,822.15
355 $21.32 $1,461.50 $7,360.65
356 $17.79 $1,465.03 $5,895.61
357 $14.25 $1,468.57 $4,427.04
358 $10.70 $1,472.12 $2,954.92
359 $7.14 $1,475.68 $1,479.24
360 $3.57 $1,479.24 $0.00
Total de años: 30
  Usted invertirá: $17,793.83 en su casa en el año 30
$276.39 irá al INTERES
$17,517.44 irá al PRINCIPAL
 


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