Calculadora Hipotecaria

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


Información de Pagos de la Hipoteca:
Pronto Pago: $16,850.00
Precio a Financiar: $320,150.00
Pago Mensual: $1,528.45


Mes: Interés Pagado: Principal Pagado: Balance Restante:
1 $1,067.17 $461.28 $319,688.72
2 $1,065.63 $462.82 $319,225.91
3 $1,064.09 $464.36 $318,761.55
4 $1,062.54 $465.91 $318,295.64
5 $1,060.99 $467.46 $317,828.18
6 $1,059.43 $469.02 $317,359.16
7 $1,057.86 $470.58 $316,888.58
8 $1,056.30 $472.15 $316,416.43
9 $1,054.72 $473.72 $315,942.71
10 $1,053.14 $475.30 $315,467.41
11 $1,051.56 $476.89 $314,990.52
12 $1,049.97 $478.48 $314,512.04
Total de años: 1
  Usted invertirá: $18,341.34 en su casa en el año 1
$12,703.38 irá al INTERES
$5,637.96 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
13 $1,048.37 $480.07 $314,031.97
14 $1,046.77 $481.67 $313,550.30
15 $1,045.17 $483.28 $313,067.02
16 $1,043.56 $484.89 $312,582.13
17 $1,041.94 $486.50 $312,095.63
18 $1,040.32 $488.13 $311,607.50
19 $1,038.69 $489.75 $311,117.75
20 $1,037.06 $491.39 $310,626.36
21 $1,035.42 $493.02 $310,133.34
22 $1,033.78 $494.67 $309,638.67
23 $1,032.13 $496.32 $309,142.36
24 $1,030.47 $497.97 $308,644.38
Total de años: 2
  Usted invertirá: $18,341.34 en su casa en el año 2
$12,473.68 irá al INTERES
$5,867.66 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
25 $1,028.81 $499.63 $308,144.75
26 $1,027.15 $501.30 $307,643.46
27 $1,025.48 $502.97 $307,140.49
28 $1,023.80 $504.64 $306,635.85
29 $1,022.12 $506.33 $306,129.52
30 $1,020.43 $508.01 $305,621.51
31 $1,018.74 $509.71 $305,111.80
32 $1,017.04 $511.41 $304,600.40
33 $1,015.33 $513.11 $304,087.29
34 $1,013.62 $514.82 $303,572.47
35 $1,011.91 $516.54 $303,055.93
36 $1,010.19 $518.26 $302,537.67
Total de años: 3
  Usted invertirá: $18,341.34 en su casa en el año 3
$12,234.63 irá al INTERES
$6,106.71 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
37 $1,008.46 $519.99 $302,017.68
38 $1,006.73 $521.72 $301,495.96
39 $1,004.99 $523.46 $300,972.51
40 $1,003.24 $525.20 $300,447.30
41 $1,001.49 $526.95 $299,920.35
42 $999.73 $528.71 $299,391.64
43 $997.97 $530.47 $298,861.16
44 $996.20 $532.24 $298,328.92
45 $994.43 $534.02 $297,794.91
46 $992.65 $535.80 $297,259.11
47 $990.86 $537.58 $296,721.53
48 $989.07 $539.37 $296,182.16
Total de años: 4
  Usted invertirá: $18,341.34 en su casa en el año 4
$11,985.83 irá al INTERES
$6,355.51 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
49 $987.27 $541.17 $295,640.99
50 $985.47 $542.98 $295,098.01
51 $983.66 $544.79 $294,553.23
52 $981.84 $546.60 $294,006.63
53 $980.02 $548.42 $293,458.20
54 $978.19 $550.25 $292,907.95
55 $976.36 $552.09 $292,355.87
56 $974.52 $553.93 $291,801.94
57 $972.67 $555.77 $291,246.17
58 $970.82 $557.62 $290,688.54
59 $968.96 $559.48 $290,129.06
60 $967.10 $561.35 $289,567.71
Total de años: 5
  Usted invertirá: $18,341.34 en su casa en el año 5
$11,726.90 irá al INTERES
$6,614.44 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
61 $965.23 $563.22 $289,004.49
62 $963.35 $565.10 $288,439.40
63 $961.46 $566.98 $287,872.42
64 $959.57 $568.87 $287,303.55
65 $957.68 $570.77 $286,732.78
66 $955.78 $572.67 $286,160.11
67 $953.87 $574.58 $285,585.53
68 $951.95 $576.49 $285,009.04
69 $950.03 $578.41 $284,430.62
70 $948.10 $580.34 $283,850.28
71 $946.17 $582.28 $283,268.00
72 $944.23 $584.22 $282,683.79
Total de años: 6
  Usted invertirá: $18,341.34 en su casa en el año 6
$11,457.41 irá al INTERES
$6,883.93 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
73 $942.28 $586.17 $282,097.62
74 $940.33 $588.12 $281,509.50
75 $938.37 $590.08 $280,919.42
76 $936.40 $592.05 $280,327.37
77 $934.42 $594.02 $279,733.35
78 $932.44 $596.00 $279,137.35
79 $930.46 $597.99 $278,539.36
80 $928.46 $599.98 $277,939.38
81 $926.46 $601.98 $277,337.40
82 $924.46 $603.99 $276,733.42
83 $922.44 $606.00 $276,127.42
84 $920.42 $608.02 $275,519.40
Total de años: 7
  Usted invertirá: $18,341.34 en su casa en el año 7
$11,176.95 irá al INTERES
$7,164.39 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
85 $918.40 $610.05 $274,909.35
86 $916.36 $612.08 $274,297.27
87 $914.32 $614.12 $273,683.15
88 $912.28 $616.17 $273,066.98
89 $910.22 $618.22 $272,448.76
90 $908.16 $620.28 $271,828.48
91 $906.09 $622.35 $271,206.13
92 $904.02 $624.42 $270,581.70
93 $901.94 $626.51 $269,955.19
94 $899.85 $628.59 $269,326.60
95 $897.76 $630.69 $268,695.91
96 $895.65 $632.79 $268,063.12
Total de años: 8
  Usted invertirá: $18,341.34 en su casa en el año 8
$10,885.06 irá al INTERES
$7,456.28 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
97 $893.54 $634.90 $267,428.22
98 $891.43 $637.02 $266,791.20
99 $889.30 $639.14 $266,152.06
100 $887.17 $641.27 $265,510.79
101 $885.04 $643.41 $264,867.38
102 $882.89 $645.55 $264,221.82
103 $880.74 $647.71 $263,574.12
104 $878.58 $649.86 $262,924.25
105 $876.41 $652.03 $262,272.22
106 $874.24 $654.20 $261,618.02
107 $872.06 $656.39 $260,961.63
108 $869.87 $658.57 $260,303.06
Total de años: 9
  Usted invertirá: $18,341.34 en su casa en el año 9
$10,581.28 irá al INTERES
$7,760.06 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
109 $867.68 $660.77 $259,642.29
110 $865.47 $662.97 $258,979.32
111 $863.26 $665.18 $258,314.14
112 $861.05 $667.40 $257,646.74
113 $858.82 $669.62 $256,977.12
114 $856.59 $671.85 $256,305.27
115 $854.35 $674.09 $255,631.17
116 $852.10 $676.34 $254,954.83
117 $849.85 $678.60 $254,276.23
118 $847.59 $680.86 $253,595.38
119 $845.32 $683.13 $252,912.25
120 $843.04 $685.40 $252,226.85
Total de años: 10
  Usted invertirá: $18,341.34 en su casa en el año 10
$10,265.13 irá al INTERES
$8,076.21 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
121 $840.76 $687.69 $251,539.16
122 $838.46 $689.98 $250,849.18
123 $836.16 $692.28 $250,156.89
124 $833.86 $694.59 $249,462.31
125 $831.54 $696.90 $248,765.40
126 $829.22 $699.23 $248,066.17
127 $826.89 $701.56 $247,364.62
128 $824.55 $703.90 $246,660.72
129 $822.20 $706.24 $245,954.48
130 $819.85 $708.60 $245,245.88
131 $817.49 $710.96 $244,534.92
132 $815.12 $713.33 $243,821.59
Total de años: 11
  Usted invertirá: $18,341.34 en su casa en el año 11
$9,936.09 irá al INTERES
$8,405.25 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
133 $812.74 $715.71 $243,105.89
134 $810.35 $718.09 $242,387.79
135 $807.96 $720.49 $241,667.31
136 $805.56 $722.89 $240,944.42
137 $803.15 $725.30 $240,219.12
138 $800.73 $727.71 $239,491.41
139 $798.30 $730.14 $238,761.27
140 $795.87 $732.57 $238,028.70
141 $793.43 $735.02 $237,293.68
142 $790.98 $737.47 $236,556.21
143 $788.52 $739.92 $235,816.29
144 $786.05 $742.39 $235,073.90
Total de años: 12
  Usted invertirá: $18,341.34 en su casa en el año 12
$9,593.65 irá al INTERES
$8,747.70 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
145 $783.58 $744.87 $234,329.03
146 $781.10 $747.35 $233,581.68
147 $778.61 $749.84 $232,831.84
148 $776.11 $752.34 $232,079.51
149 $773.60 $754.85 $231,324.66
150 $771.08 $757.36 $230,567.30
151 $768.56 $759.89 $229,807.41
152 $766.02 $762.42 $229,044.99
153 $763.48 $764.96 $228,280.03
154 $760.93 $767.51 $227,512.52
155 $758.38 $770.07 $226,742.45
156 $755.81 $772.64 $225,969.81
Total de años: 13
  Usted invertirá: $18,341.34 en su casa en el año 13
$9,237.25 irá al INTERES
$9,104.09 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
157 $753.23 $775.21 $225,194.60
158 $750.65 $777.80 $224,416.80
159 $748.06 $780.39 $223,636.41
160 $745.45 $782.99 $222,853.42
161 $742.84 $785.60 $222,067.82
162 $740.23 $788.22 $221,279.60
163 $737.60 $790.85 $220,488.75
164 $734.96 $793.48 $219,695.27
165 $732.32 $796.13 $218,899.14
166 $729.66 $798.78 $218,100.36
167 $727.00 $801.44 $217,298.92
168 $724.33 $804.12 $216,494.80
Total de años: 14
  Usted invertirá: $18,341.34 en su casa en el año 14
$8,866.34 irá al INTERES
$9,475.00 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
169 $721.65 $806.80 $215,688.01
170 $718.96 $809.49 $214,878.52
171 $716.26 $812.18 $214,066.34
172 $713.55 $814.89 $213,251.45
173 $710.84 $817.61 $212,433.84
174 $708.11 $820.33 $211,613.51
175 $705.38 $823.07 $210,790.44
176 $702.63 $825.81 $209,964.63
177 $699.88 $828.56 $209,136.07
178 $697.12 $831.32 $208,304.75
179 $694.35 $834.10 $207,470.65
180 $691.57 $836.88 $206,633.77
Total de años: 15
  Usted invertirá: $18,341.34 en su casa en el año 15
$8,480.31 irá al INTERES
$9,861.03 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
181 $688.78 $839.67 $205,794.11
182 $685.98 $842.46 $204,951.64
183 $683.17 $845.27 $204,106.37
184 $680.35 $848.09 $203,258.28
185 $677.53 $850.92 $202,407.36
186 $674.69 $853.75 $201,553.61
187 $671.85 $856.60 $200,697.01
188 $668.99 $859.46 $199,837.55
189 $666.13 $862.32 $198,975.23
190 $663.25 $865.19 $198,110.04
191 $660.37 $868.08 $197,241.96
192 $657.47 $870.97 $196,370.99
Total de años: 16
  Usted invertirá: $18,341.34 en su casa en el año 16
$8,078.56 irá al INTERES
$10,262.78 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
193 $654.57 $873.88 $195,497.11
194 $651.66 $876.79 $194,620.33
195 $648.73 $879.71 $193,740.61
196 $645.80 $882.64 $192,857.97
197 $642.86 $885.59 $191,972.39
198 $639.91 $888.54 $191,083.85
199 $636.95 $891.50 $190,192.35
200 $633.97 $894.47 $189,297.88
201 $630.99 $897.45 $188,400.43
202 $628.00 $900.44 $187,499.98
203 $625.00 $903.45 $186,596.54
204 $621.99 $906.46 $185,690.08
Total de años: 17
  Usted invertirá: $18,341.34 en su casa en el año 17
$7,660.43 irá al INTERES
$10,680.91 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
205 $618.97 $909.48 $184,780.60
206 $615.94 $912.51 $183,868.09
207 $612.89 $915.55 $182,952.54
208 $609.84 $918.60 $182,033.94
209 $606.78 $921.67 $181,112.27
210 $603.71 $924.74 $180,187.54
211 $600.63 $927.82 $179,259.72
212 $597.53 $930.91 $178,328.80
213 $594.43 $934.02 $177,394.79
214 $591.32 $937.13 $176,457.66
215 $588.19 $940.25 $175,517.41
216 $585.06 $943.39 $174,574.02
Total de años: 18
  Usted invertirá: $18,341.34 en su casa en el año 18
$7,225.28 irá al INTERES
$11,116.06 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
217 $581.91 $946.53 $173,627.49
218 $578.76 $949.69 $172,677.80
219 $575.59 $952.85 $171,724.95
220 $572.42 $956.03 $170,768.92
221 $569.23 $959.22 $169,809.71
222 $566.03 $962.41 $168,847.29
223 $562.82 $965.62 $167,881.67
224 $559.61 $968.84 $166,912.83
225 $556.38 $972.07 $165,940.76
226 $553.14 $975.31 $164,965.45
227 $549.88 $978.56 $163,986.89
228 $546.62 $981.82 $163,005.07
Total de años: 19
  Usted invertirá: $18,341.34 en su casa en el año 19
$6,772.39 irá al INTERES
$11,568.95 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
229 $543.35 $985.09 $162,019.98
230 $540.07 $988.38 $161,031.60
231 $536.77 $991.67 $160,039.93
232 $533.47 $994.98 $159,044.95
233 $530.15 $998.30 $158,046.65
234 $526.82 $1,001.62 $157,045.03
235 $523.48 $1,004.96 $156,040.07
236 $520.13 $1,008.31 $155,031.76
237 $516.77 $1,011.67 $154,020.08
238 $513.40 $1,015.04 $153,005.04
239 $510.02 $1,018.43 $151,986.61
240 $506.62 $1,021.82 $150,964.79
Total de años: 20
  Usted invertirá: $18,341.34 en su casa en el año 20
$6,301.06 irá al INTERES
$12,040.28 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
241 $503.22 $1,025.23 $149,939.56
242 $499.80 $1,028.65 $148,910.91
243 $496.37 $1,032.08 $147,878.84
244 $492.93 $1,035.52 $146,843.32
245 $489.48 $1,038.97 $145,804.35
246 $486.01 $1,042.43 $144,761.92
247 $482.54 $1,045.91 $143,716.02
248 $479.05 $1,049.39 $142,666.63
249 $475.56 $1,052.89 $141,613.74
250 $472.05 $1,056.40 $140,557.34
251 $468.52 $1,059.92 $139,497.42
252 $464.99 $1,063.45 $138,433.96
Total de años: 21
  Usted invertirá: $18,341.34 en su casa en el año 21
$5,810.52 irá al INTERES
$12,530.82 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
253 $461.45 $1,067.00 $137,366.96
254 $457.89 $1,070.56 $136,296.41
255 $454.32 $1,074.12 $135,222.28
256 $450.74 $1,077.70 $134,144.58
257 $447.15 $1,081.30 $133,063.28
258 $443.54 $1,084.90 $131,978.38
259 $439.93 $1,088.52 $130,889.87
260 $436.30 $1,092.15 $129,797.72
261 $432.66 $1,095.79 $128,701.93
262 $429.01 $1,099.44 $127,602.50
263 $425.34 $1,103.10 $126,499.39
264 $421.66 $1,106.78 $125,392.61
Total de años: 22
  Usted invertirá: $18,341.34 en su casa en el año 22
$5,299.99 irá al INTERES
$13,041.35 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
265 $417.98 $1,110.47 $124,282.14
266 $414.27 $1,114.17 $123,167.97
267 $410.56 $1,117.89 $122,050.09
268 $406.83 $1,121.61 $120,928.47
269 $403.09 $1,125.35 $119,803.12
270 $399.34 $1,129.10 $118,674.02
271 $395.58 $1,132.86 $117,541.16
272 $391.80 $1,136.64 $116,404.52
273 $388.02 $1,140.43 $115,264.09
274 $384.21 $1,144.23 $114,119.86
275 $380.40 $1,148.05 $112,971.81
276 $376.57 $1,151.87 $111,819.94
Total de años: 23
  Usted invertirá: $18,341.34 en su casa en el año 23
$4,768.67 irá al INTERES
$13,572.67 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
277 $372.73 $1,155.71 $110,664.23
278 $368.88 $1,159.56 $109,504.66
279 $365.02 $1,163.43 $108,341.23
280 $361.14 $1,167.31 $107,173.92
281 $357.25 $1,171.20 $106,002.73
282 $353.34 $1,175.10 $104,827.62
283 $349.43 $1,179.02 $103,648.60
284 $345.50 $1,182.95 $102,465.65
285 $341.55 $1,186.89 $101,278.76
286 $337.60 $1,190.85 $100,087.91
287 $333.63 $1,194.82 $98,893.09
288 $329.64 $1,198.80 $97,694.29
Total de años: 24
  Usted invertirá: $18,341.34 en su casa en el año 24
$4,215.69 irá al INTERES
$14,125.65 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
289 $325.65 $1,202.80 $96,491.49
290 $321.64 $1,206.81 $95,284.69
291 $317.62 $1,210.83 $94,073.86
292 $313.58 $1,214.87 $92,858.99
293 $309.53 $1,218.92 $91,640.08
294 $305.47 $1,222.98 $90,417.10
295 $301.39 $1,227.05 $89,190.04
296 $297.30 $1,231.14 $87,958.90
297 $293.20 $1,235.25 $86,723.65
298 $289.08 $1,239.37 $85,484.28
299 $284.95 $1,243.50 $84,240.79
300 $280.80 $1,247.64 $82,993.14
Total de años: 25
  Usted invertirá: $18,341.34 en su casa en el año 25
$3,640.19 irá al INTERES
$14,701.15 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
301 $276.64 $1,251.80 $81,741.34
302 $272.47 $1,255.97 $80,485.37
303 $268.28 $1,260.16 $79,225.21
304 $264.08 $1,264.36 $77,960.85
305 $259.87 $1,268.58 $76,692.27
306 $255.64 $1,272.80 $75,419.47
307 $251.40 $1,277.05 $74,142.42
308 $247.14 $1,281.30 $72,861.12
309 $242.87 $1,285.57 $71,575.54
310 $238.59 $1,289.86 $70,285.68
311 $234.29 $1,294.16 $68,991.52
312 $229.97 $1,298.47 $67,693.05
Total de años: 26
  Usted invertirá: $18,341.34 en su casa en el año 26
$3,041.25 irá al INTERES
$15,300.09 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
313 $225.64 $1,302.80 $66,390.25
314 $221.30 $1,307.14 $65,083.10
315 $216.94 $1,311.50 $63,771.60
316 $212.57 $1,315.87 $62,455.73
317 $208.19 $1,320.26 $61,135.47
318 $203.78 $1,324.66 $59,810.81
319 $199.37 $1,329.08 $58,481.73
320 $194.94 $1,333.51 $57,148.23
321 $190.49 $1,337.95 $55,810.28
322 $186.03 $1,342.41 $54,467.87
323 $181.56 $1,346.89 $53,120.98
324 $177.07 $1,351.38 $51,769.61
Total de años: 27
  Usted invertirá: $18,341.34 en su casa en el año 27
$2,417.90 irá al INTERES
$15,923.44 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
325 $172.57 $1,355.88 $50,413.73
326 $168.05 $1,360.40 $49,053.33
327 $163.51 $1,364.93 $47,688.39
328 $158.96 $1,369.48 $46,318.91
329 $154.40 $1,374.05 $44,944.86
330 $149.82 $1,378.63 $43,566.23
331 $145.22 $1,383.22 $42,183.01
332 $140.61 $1,387.84 $40,795.17
333 $135.98 $1,392.46 $39,402.71
334 $131.34 $1,397.10 $38,005.61
335 $126.69 $1,401.76 $36,603.85
336 $122.01 $1,406.43 $35,197.42
Total de años: 28
  Usted invertirá: $18,341.34 en su casa en el año 28
$1,769.15 irá al INTERES
$16,572.19 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
337 $117.32 $1,411.12 $33,786.30
338 $112.62 $1,415.82 $32,370.47
339 $107.90 $1,420.54 $30,949.93
340 $103.17 $1,425.28 $29,524.65
341 $98.42 $1,430.03 $28,094.62
342 $93.65 $1,434.80 $26,659.82
343 $88.87 $1,439.58 $25,220.24
344 $84.07 $1,444.38 $23,775.87
345 $79.25 $1,449.19 $22,326.68
346 $74.42 $1,454.02 $20,872.65
347 $69.58 $1,458.87 $19,413.78
348 $64.71 $1,463.73 $17,950.05
Total de años: 29
  Usted invertirá: $18,341.34 en su casa en el año 29
$1,093.97 irá al INTERES
$17,247.37 irá al PRINCIPAL
 

Mes: Interés Pagado: Principal Pagado: Balance Restante:
349 $59.83 $1,468.61 $16,481.44
350 $54.94 $1,473.51 $15,007.93
351 $50.03 $1,478.42 $13,529.51
352 $45.10 $1,483.35 $12,046.17
353 $40.15 $1,488.29 $10,557.88
354 $35.19 $1,493.25 $9,064.62
355 $30.22 $1,498.23 $7,566.39
356 $25.22 $1,503.22 $6,063.17
357 $20.21 $1,508.23 $4,554.94
358 $15.18 $1,513.26 $3,041.67
359 $10.14 $1,518.31 $1,523.37
360 $5.08 $1,523.37 $0.00
Total de años: 30
  Usted invertirá: $18,341.34 en su casa en el año 30
$391.29 irá al INTERES
$17,950.05 irá al PRINCIPAL
 


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