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Calculadora de Hipoteca

Calcula pagos mensuales de hipoteca con tabla de amortización

Calculadora de Hipoteca
Calcula pagos mensuales de hipoteca con tabla de amortización
Pago Mensual
$1,896.20
Pago Mensual
Pago Total$682,633.47
Interés Total$382,633.47
Tabla de Amortización

Cómo Usar

1

Ingresa Tus Valores

Completa los campos de entrada con tus números o parámetros.

2

Obtén Resultados Instantáneos

Los resultados se actualizan automáticamente mientras escribes — sin necesidad de botón de envío.

3

Copia o Guarda

Copia los resultados al portapapeles o úsalos en tu flujo de trabajo.

Por Qué Usar Esta Herramienta

100% Gratis

Sin costos ocultos, sin niveles premium — todas las funciones son gratuitas.

Sin Instalación

Se ejecuta completamente en tu navegador. No necesitas descargar ni instalar nada.

Privado y Seguro

Tus datos nunca salen de tu dispositivo. Nada se sube a ningún servidor.

Funciona en Móvil

Totalmente responsivo — úsalo en tu teléfono, tableta o escritorio.

Financial Education

A mortgage is one of the largest financial commitments most people make. Understanding how mortgage payments work helps you choose the right loan and save thousands over its lifetime.

Key Concepts

1

Amortization

Early payments go mostly toward interest, with the principal portion growing over time. Understanding this schedule helps you see the true cost of your loan.

2

Down Payment

A larger down payment reduces your loan amount, lowers monthly payments, and may help you avoid private mortgage insurance (PMI), typically required when paying less than 20% down.

3

Fixed vs. Variable Rate

Fixed-rate mortgages lock in your interest rate for the full term, offering predictability. Variable-rate mortgages may start lower but can fluctuate with the market.

4

Loan Term

Shorter terms (e.g. 15 years) have higher monthly payments but cost significantly less in total interest compared to longer terms (e.g. 30 years).

Practical Tips

Keep your total housing costs (mortgage, taxes, insurance) below 28% of your gross monthly income.

Compare offers from multiple lenders — even a 0.25% rate difference can save tens of thousands over the life of the loan.

Consider making extra payments toward principal when possible to shorten your loan term and reduce total interest.

Factor in closing costs, property taxes, insurance, and maintenance when budgeting for a home — the mortgage payment is only part of the total cost.

This content is for educational purposes only and does not constitute financial advice. Consult a qualified financial advisor or mortgage professional before making borrowing decisions.

Preguntas Frecuentes