Calculadora Hipotecaria

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


Información de Pagos de la Hipoteca:
Pronto Pago: $10,500.00
Precio a Financiar: $199,500.00
Pago Mensual: $1,327.28


Mes: Interés Pagado: Principal Pagado: Balance Restante:
1 $1,163.75 $163.53 $199,336.47
2 $1,162.80 $164.48 $199,171.99
3 $1,161.84 $165.44 $199,006.55
4 $1,160.87 $166.41 $198,840.14
5 $1,159.90 $167.38 $198,672.76
6 $1,158.92 $168.35 $198,504.41
7 $1,157.94 $169.34 $198,335.07
8 $1,156.95 $170.32 $198,164.75
9 $1,155.96 $171.32 $197,993.43
10 $1,154.96 $172.32 $197,821.11
11 $1,153.96 $173.32 $197,647.79
12 $1,152.95 $174.33 $197,473.46
Total de años: 1
  Usted invertirá: $15,927.34 en su casa en el año 1
$13,900.80 irá al INTERES
$2,026.54 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
13 $1,151.93 $175.35 $197,298.11
14 $1,150.91 $176.37 $197,121.74
15 $1,149.88 $177.40 $196,944.33
16 $1,148.84 $178.44 $196,765.90
17 $1,147.80 $179.48 $196,586.42
18 $1,146.75 $180.52 $196,405.90
19 $1,145.70 $181.58 $196,224.32
20 $1,144.64 $182.64 $196,041.68
21 $1,143.58 $183.70 $195,857.98
22 $1,142.50 $184.77 $195,673.21
23 $1,141.43 $185.85 $195,487.36
24 $1,140.34 $186.94 $195,300.42
Total de años: 2
  Usted invertirá: $15,927.34 en su casa en el año 2
$13,754.30 irá al INTERES
$2,173.04 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
25 $1,139.25 $188.03 $195,112.39
26 $1,138.16 $189.12 $194,923.27
27 $1,137.05 $190.23 $194,733.05
28 $1,135.94 $191.34 $194,541.71
29 $1,134.83 $192.45 $194,349.26
30 $1,133.70 $193.57 $194,155.68
31 $1,132.57 $194.70 $193,960.98
32 $1,131.44 $195.84 $193,765.14
33 $1,130.30 $196.98 $193,568.16
34 $1,129.15 $198.13 $193,370.03
35 $1,127.99 $199.29 $193,170.74
36 $1,126.83 $200.45 $192,970.29
Total de años: 3
  Usted invertirá: $15,927.34 en su casa en el año 3
$13,597.21 irá al INTERES
$2,330.13 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
37 $1,125.66 $201.62 $192,768.67
38 $1,124.48 $202.79 $192,565.88
39 $1,123.30 $203.98 $192,361.90
40 $1,122.11 $205.17 $192,156.73
41 $1,120.91 $206.36 $191,950.37
42 $1,119.71 $207.57 $191,742.80
43 $1,118.50 $208.78 $191,534.02
44 $1,117.28 $210.00 $191,324.03
45 $1,116.06 $211.22 $191,112.80
46 $1,114.82 $212.45 $190,900.35
47 $1,113.59 $213.69 $190,686.66
48 $1,112.34 $214.94 $190,471.72
Total de años: 4
  Usted invertirá: $15,927.34 en su casa en el año 4
$13,428.77 irá al INTERES
$2,498.57 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
49 $1,111.09 $216.19 $190,255.52
50 $1,109.82 $217.45 $190,038.07
51 $1,108.56 $218.72 $189,819.35
52 $1,107.28 $220.00 $189,599.35
53 $1,106.00 $221.28 $189,378.07
54 $1,104.71 $222.57 $189,155.49
55 $1,103.41 $223.87 $188,931.62
56 $1,102.10 $225.18 $188,706.44
57 $1,100.79 $226.49 $188,479.95
58 $1,099.47 $227.81 $188,252.14
59 $1,098.14 $229.14 $188,023.00
60 $1,096.80 $230.48 $187,792.52
Total de años: 5
  Usted invertirá: $15,927.34 en su casa en el año 5
$13,248.15 irá al INTERES
$2,679.20 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
61 $1,095.46 $231.82 $187,560.70
62 $1,094.10 $233.17 $187,327.53
63 $1,092.74 $234.53 $187,092.99
64 $1,091.38 $235.90 $186,857.09
65 $1,090.00 $237.28 $186,619.81
66 $1,088.62 $238.66 $186,381.15
67 $1,087.22 $240.06 $186,141.09
68 $1,085.82 $241.46 $185,899.64
69 $1,084.41 $242.86 $185,656.77
70 $1,083.00 $244.28 $185,412.49
71 $1,081.57 $245.71 $185,166.79
72 $1,080.14 $247.14 $184,919.65
Total de años: 6
  Usted invertirá: $15,927.34 en su casa en el año 6
$13,054.47 irá al INTERES
$2,872.88 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
73 $1,078.70 $248.58 $184,671.07
74 $1,077.25 $250.03 $184,421.04
75 $1,075.79 $251.49 $184,169.55
76 $1,074.32 $252.96 $183,916.59
77 $1,072.85 $254.43 $183,662.16
78 $1,071.36 $255.92 $183,406.24
79 $1,069.87 $257.41 $183,148.83
80 $1,068.37 $258.91 $182,889.92
81 $1,066.86 $260.42 $182,629.50
82 $1,065.34 $261.94 $182,367.56
83 $1,063.81 $263.47 $182,104.10
84 $1,062.27 $265.00 $181,839.09
Total de años: 7
  Usted invertirá: $15,927.34 en su casa en el año 7
$12,846.79 irá al INTERES
$3,080.56 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
85 $1,060.73 $266.55 $181,572.54
86 $1,059.17 $268.11 $181,304.44
87 $1,057.61 $269.67 $181,034.77
88 $1,056.04 $271.24 $180,763.52
89 $1,054.45 $272.82 $180,490.70
90 $1,052.86 $274.42 $180,216.28
91 $1,051.26 $276.02 $179,940.27
92 $1,049.65 $277.63 $179,662.64
93 $1,048.03 $279.25 $179,383.39
94 $1,046.40 $280.88 $179,102.52
95 $1,044.76 $282.51 $178,820.00
96 $1,043.12 $284.16 $178,535.84
Total de años: 8
  Usted invertirá: $15,927.34 en su casa en el año 8
$12,624.09 irá al INTERES
$3,303.25 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
97 $1,041.46 $285.82 $178,250.02
98 $1,039.79 $287.49 $177,962.54
99 $1,038.11 $289.16 $177,673.37
100 $1,036.43 $290.85 $177,382.52
101 $1,034.73 $292.55 $177,089.97
102 $1,033.02 $294.25 $176,795.72
103 $1,031.31 $295.97 $176,499.75
104 $1,029.58 $297.70 $176,202.05
105 $1,027.85 $299.43 $175,902.62
106 $1,026.10 $301.18 $175,601.44
107 $1,024.34 $302.94 $175,298.50
108 $1,022.57 $304.70 $174,993.80
Total de años: 9
  Usted invertirá: $15,927.34 en su casa en el año 9
$12,385.30 irá al INTERES
$3,542.04 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
109 $1,020.80 $306.48 $174,687.32
110 $1,019.01 $308.27 $174,379.05
111 $1,017.21 $310.07 $174,068.98
112 $1,015.40 $311.88 $173,757.11
113 $1,013.58 $313.70 $173,443.41
114 $1,011.75 $315.53 $173,127.89
115 $1,009.91 $317.37 $172,810.52
116 $1,008.06 $319.22 $172,491.30
117 $1,006.20 $321.08 $172,170.22
118 $1,004.33 $322.95 $171,847.27
119 $1,002.44 $324.84 $171,522.44
120 $1,000.55 $326.73 $171,195.70
Total de años: 10
  Usted invertirá: $15,927.34 en su casa en el año 10
$12,129.25 irá al INTERES
$3,798.10 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
121 $998.64 $328.64 $170,867.07
122 $996.72 $330.55 $170,536.51
123 $994.80 $332.48 $170,204.03
124 $992.86 $334.42 $169,869.61
125 $990.91 $336.37 $169,533.24
126 $988.94 $338.33 $169,194.90
127 $986.97 $340.31 $168,854.60
128 $984.99 $342.29 $168,512.30
129 $982.99 $344.29 $168,168.01
130 $980.98 $346.30 $167,821.71
131 $978.96 $348.32 $167,473.39
132 $976.93 $350.35 $167,123.04
Total de años: 11
  Usted invertirá: $15,927.34 en su casa en el año 11
$11,854.68 irá al INTERES
$4,072.66 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
133 $974.88 $352.39 $166,770.65
134 $972.83 $354.45 $166,416.20
135 $970.76 $356.52 $166,059.68
136 $968.68 $358.60 $165,701.09
137 $966.59 $360.69 $165,340.40
138 $964.49 $362.79 $164,977.60
139 $962.37 $364.91 $164,612.70
140 $960.24 $367.04 $164,245.66
141 $958.10 $369.18 $163,876.48
142 $955.95 $371.33 $163,505.15
143 $953.78 $373.50 $163,131.65
144 $951.60 $375.68 $162,755.97
Total de años: 12
  Usted invertirá: $15,927.34 en su casa en el año 12
$11,560.27 irá al INTERES
$4,367.07 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
145 $949.41 $377.87 $162,378.10
146 $947.21 $380.07 $161,998.03
147 $944.99 $382.29 $161,615.74
148 $942.76 $384.52 $161,231.22
149 $940.52 $386.76 $160,844.46
150 $938.26 $389.02 $160,455.44
151 $935.99 $391.29 $160,064.15
152 $933.71 $393.57 $159,670.58
153 $931.41 $395.87 $159,274.71
154 $929.10 $398.18 $158,876.54
155 $926.78 $400.50 $158,476.04
156 $924.44 $402.83 $158,073.20
Total de años: 13
  Usted invertirá: $15,927.34 en su casa en el año 13
$11,244.57 irá al INTERES
$4,682.77 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
157 $922.09 $405.18 $157,668.02
158 $919.73 $407.55 $157,260.47
159 $917.35 $409.93 $156,850.54
160 $914.96 $412.32 $156,438.23
161 $912.56 $414.72 $156,023.50
162 $910.14 $417.14 $155,606.36
163 $907.70 $419.57 $155,186.79
164 $905.26 $422.02 $154,764.77
165 $902.79 $424.48 $154,340.28
166 $900.32 $426.96 $153,913.32
167 $897.83 $429.45 $153,483.87
168 $895.32 $431.96 $153,051.91
Total de años: 14
  Usted invertirá: $15,927.34 en su casa en el año 14
$10,906.05 irá al INTERES
$5,021.29 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
169 $892.80 $434.48 $152,617.44
170 $890.27 $437.01 $152,180.43
171 $887.72 $439.56 $151,740.87
172 $885.16 $442.12 $151,298.75
173 $882.58 $444.70 $150,854.04
174 $879.98 $447.30 $150,406.75
175 $877.37 $449.91 $149,956.84
176 $874.75 $452.53 $149,504.31
177 $872.11 $455.17 $149,049.14
178 $869.45 $457.83 $148,591.32
179 $866.78 $460.50 $148,130.82
180 $864.10 $463.18 $147,667.64
Total de años: 15
  Usted invertirá: $15,927.34 en su casa en el año 15
$10,543.07 irá al INTERES
$5,384.28 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
181 $861.39 $465.88 $147,201.75
182 $858.68 $468.60 $146,733.15
183 $855.94 $471.34 $146,261.82
184 $853.19 $474.08 $145,787.73
185 $850.43 $476.85 $145,310.88
186 $847.65 $479.63 $144,831.25
187 $844.85 $482.43 $144,348.82
188 $842.03 $485.24 $143,863.58
189 $839.20 $488.07 $143,375.50
190 $836.36 $490.92 $142,884.58
191 $833.49 $493.79 $142,390.80
192 $830.61 $496.67 $141,894.13
Total de años: 16
  Usted invertirá: $15,927.34 en su casa en el año 16
$10,153.84 irá al INTERES
$5,773.51 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
193 $827.72 $499.56 $141,394.57
194 $824.80 $502.48 $140,892.09
195 $821.87 $505.41 $140,386.68
196 $818.92 $508.36 $139,878.33
197 $815.96 $511.32 $139,367.01
198 $812.97 $514.30 $138,852.70
199 $809.97 $517.30 $138,335.40
200 $806.96 $520.32 $137,815.08
201 $803.92 $523.36 $137,291.72
202 $800.87 $526.41 $136,765.31
203 $797.80 $529.48 $136,235.83
204 $794.71 $532.57 $135,703.26
Total de años: 17
  Usted invertirá: $15,927.34 en su casa en el año 17
$9,736.47 irá al INTERES
$6,190.87 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
205 $791.60 $535.68 $135,167.58
206 $788.48 $538.80 $134,628.78
207 $785.33 $541.94 $134,086.84
208 $782.17 $545.11 $133,541.73
209 $778.99 $548.29 $132,993.45
210 $775.80 $551.48 $132,441.96
211 $772.58 $554.70 $131,887.26
212 $769.34 $557.94 $131,329.33
213 $766.09 $561.19 $130,768.14
214 $762.81 $564.46 $130,203.67
215 $759.52 $567.76 $129,635.92
216 $756.21 $571.07 $129,064.85
Total de años: 18
  Usted invertirá: $15,927.34 en su casa en el año 18
$9,288.93 irá al INTERES
$6,638.41 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
217 $752.88 $574.40 $128,490.45
218 $749.53 $577.75 $127,912.70
219 $746.16 $581.12 $127,331.57
220 $742.77 $584.51 $126,747.06
221 $739.36 $587.92 $126,159.14
222 $735.93 $591.35 $125,567.79
223 $732.48 $594.80 $124,972.99
224 $729.01 $598.27 $124,374.72
225 $725.52 $601.76 $123,772.96
226 $722.01 $605.27 $123,167.69
227 $718.48 $608.80 $122,558.89
228 $714.93 $612.35 $121,946.54
Total de años: 19
  Usted invertirá: $15,927.34 en su casa en el año 19
$8,809.04 irá al INTERES
$7,118.30 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
229 $711.35 $615.92 $121,330.62
230 $707.76 $619.52 $120,711.10
231 $704.15 $623.13 $120,087.97
232 $700.51 $626.77 $119,461.21
233 $696.86 $630.42 $118,830.79
234 $693.18 $634.10 $118,196.69
235 $689.48 $637.80 $117,558.89
236 $685.76 $641.52 $116,917.37
237 $682.02 $645.26 $116,272.11
238 $678.25 $649.02 $115,623.09
239 $674.47 $652.81 $114,970.27
240 $670.66 $656.62 $114,313.66
Total de años: 20
  Usted invertirá: $15,927.34 en su casa en el año 20
$8,294.46 irá al INTERES
$7,632.89 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
241 $666.83 $660.45 $113,653.21
242 $662.98 $664.30 $112,988.91
243 $659.10 $668.18 $112,320.73
244 $655.20 $672.07 $111,648.66
245 $651.28 $675.99 $110,972.66
246 $647.34 $679.94 $110,292.72
247 $643.37 $683.90 $109,608.82
248 $639.38 $687.89 $108,920.92
249 $635.37 $691.91 $108,229.02
250 $631.34 $695.94 $107,533.08
251 $627.28 $700.00 $106,833.07
252 $623.19 $704.09 $106,128.99
Total de años: 21
  Usted invertirá: $15,927.34 en su casa en el año 21
$7,742.67 irá al INTERES
$8,184.67 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
253 $619.09 $708.19 $105,420.80
254 $614.95 $712.32 $104,708.47
255 $610.80 $716.48 $103,991.99
256 $606.62 $720.66 $103,271.33
257 $602.42 $724.86 $102,546.47
258 $598.19 $729.09 $101,817.38
259 $593.93 $733.34 $101,084.04
260 $589.66 $737.62 $100,346.42
261 $585.35 $741.92 $99,604.49
262 $581.03 $746.25 $98,858.24
263 $576.67 $750.61 $98,107.63
264 $572.29 $754.98 $97,352.65
Total de años: 22
  Usted invertirá: $15,927.34 en su casa en el año 22
$7,151.00 irá al INTERES
$8,776.34 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
265 $567.89 $759.39 $96,593.26
266 $563.46 $763.82 $95,829.44
267 $559.01 $768.27 $95,061.17
268 $554.52 $772.75 $94,288.42
269 $550.02 $777.26 $93,511.15
270 $545.48 $781.80 $92,729.36
271 $540.92 $786.36 $91,943.00
272 $536.33 $790.94 $91,152.05
273 $531.72 $795.56 $90,356.50
274 $527.08 $800.20 $89,556.30
275 $522.41 $804.87 $88,751.43
276 $517.72 $809.56 $87,941.87
Total de años: 23
  Usted invertirá: $15,927.34 en su casa en el año 23
$6,516.56 irá al INTERES
$9,410.78 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
277 $512.99 $814.28 $87,127.58
278 $508.24 $819.03 $86,308.55
279 $503.47 $823.81 $85,484.74
280 $498.66 $828.62 $84,656.12
281 $493.83 $833.45 $83,822.67
282 $488.97 $838.31 $82,984.36
283 $484.08 $843.20 $82,141.15
284 $479.16 $848.12 $81,293.03
285 $474.21 $853.07 $80,439.96
286 $469.23 $858.05 $79,581.92
287 $464.23 $863.05 $78,718.87
288 $459.19 $868.09 $77,850.78
Total de años: 24
  Usted invertirá: $15,927.34 en su casa en el año 24
$5,836.25 irá al INTERES
$10,091.09 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
289 $454.13 $873.15 $76,977.63
290 $449.04 $878.24 $76,099.39
291 $443.91 $883.37 $75,216.02
292 $438.76 $888.52 $74,327.51
293 $433.58 $893.70 $73,433.81
294 $428.36 $898.91 $72,534.89
295 $423.12 $904.16 $71,630.73
296 $417.85 $909.43 $70,721.30
297 $412.54 $914.74 $69,806.56
298 $407.20 $920.07 $68,886.49
299 $401.84 $925.44 $67,961.05
300 $396.44 $930.84 $67,030.21
Total de años: 25
  Usted invertirá: $15,927.34 en su casa en el año 25
$5,106.77 irá al INTERES
$10,820.57 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
301 $391.01 $936.27 $66,093.94
302 $385.55 $941.73 $65,152.21
303 $380.05 $947.22 $64,204.99
304 $374.53 $952.75 $63,252.24
305 $368.97 $958.31 $62,293.93
306 $363.38 $963.90 $61,330.03
307 $357.76 $969.52 $60,360.51
308 $352.10 $975.18 $59,385.34
309 $346.41 $980.86 $58,404.47
310 $340.69 $986.59 $57,417.89
311 $334.94 $992.34 $56,425.55
312 $329.15 $998.13 $55,427.42
Total de años: 26
  Usted invertirá: $15,927.34 en su casa en el año 26
$4,324.55 irá al INTERES
$11,602.79 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
313 $323.33 $1,003.95 $54,423.46
314 $317.47 $1,009.81 $53,413.66
315 $311.58 $1,015.70 $52,397.96
316 $305.65 $1,021.62 $51,376.33
317 $299.70 $1,027.58 $50,348.75
318 $293.70 $1,033.58 $49,315.17
319 $287.67 $1,039.61 $48,275.57
320 $281.61 $1,045.67 $47,229.90
321 $275.51 $1,051.77 $46,178.12
322 $269.37 $1,057.91 $45,120.22
323 $263.20 $1,064.08 $44,056.14
324 $256.99 $1,070.28 $42,985.86
Total de años: 27
  Usted invertirá: $15,927.34 en su casa en el año 27
$3,485.78 irá al INTERES
$12,441.56 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
325 $250.75 $1,076.53 $41,909.33
326 $244.47 $1,082.81 $40,826.52
327 $238.15 $1,089.12 $39,737.40
328 $231.80 $1,095.48 $38,641.92
329 $225.41 $1,101.87 $37,540.05
330 $218.98 $1,108.29 $36,431.76
331 $212.52 $1,114.76 $35,317.00
332 $206.02 $1,121.26 $34,195.74
333 $199.48 $1,127.80 $33,067.93
334 $192.90 $1,134.38 $31,933.55
335 $186.28 $1,141.00 $30,792.55
336 $179.62 $1,147.66 $29,644.90
Total de años: 28
  Usted invertirá: $15,927.34 en su casa en el año 28
$2,586.38 irá al INTERES
$13,340.96 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
337 $172.93 $1,154.35 $28,490.55
338 $166.19 $1,161.08 $27,329.46
339 $159.42 $1,167.86 $26,161.61
340 $152.61 $1,174.67 $24,986.94
341 $145.76 $1,181.52 $23,805.42
342 $138.86 $1,188.41 $22,617.00
343 $131.93 $1,195.35 $21,421.66
344 $124.96 $1,202.32 $20,219.34
345 $117.95 $1,209.33 $19,010.01
346 $110.89 $1,216.39 $17,793.62
347 $103.80 $1,223.48 $16,570.14
348 $96.66 $1,230.62 $15,339.52
Total de años: 29
  Usted invertirá: $15,927.34 en su casa en el año 29
$1,621.96 irá al INTERES
$14,305.38 irá al PRINCIPAL
 
Mes: Interés Pagado: Principal Pagado: Balance Restante:
349 $89.48 $1,237.80 $14,101.72
350 $82.26 $1,245.02 $12,856.70
351 $75.00 $1,252.28 $11,604.42
352 $67.69 $1,259.59 $10,344.83
353 $60.34 $1,266.93 $9,077.90
354 $52.95 $1,274.32 $7,803.58
355 $45.52 $1,281.76 $6,521.82
356 $38.04 $1,289.23 $5,232.58
357 $30.52 $1,296.76 $3,935.83
358 $22.96 $1,304.32 $2,631.51
359 $15.35 $1,311.93 $1,319.58
360 $7.70 $1,319.58 $0.00
Total de años: 30
  Usted invertirá: $15,927.34 en su casa en el año 30
$587.82 irá al INTERES
$15,339.52 irá al PRINCIPAL
 

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