Elección del buscador
Solicite un préstamo online gratis y asegure su tipo de interés durante 90 días.
Cuando esté listo para comprar una vivienda, la mejor forma de presupuestar es saber cuánto puede permitirse de forma realista. Para ello, debes saber cómo será tu cuota mensual en función del tipo de interés que te ofrezca la entidad crediticia.
Puedes empezar utilizando nuestra calculadora para ver los tipos locales de la casa que quieres y cómo afecta eso a tu pago mensual.
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Compara las mejores marcas por tipo de préstamo hipotecario, disponibilidad estatal y puntuación crediticia. Seleccione Ver tarifas para proporcionar al prestamista detalles básicos de la propiedad y financieros para obtener tarifas personalizadas. Disclaimer: The partners on Finder's mortgage comparison tables are sorted in alphabetical order.
Como norma general, el pago de la hipoteca no debe superar un tercio de tus ingresos mensuales. Así, con un pago inicial del 20% en una hipoteca a 30 años y un 7.00% tipo de interés, necesitarías ganar al menos 96.000 $ al año antes de impuestos. En última instancia, cuánto necesitas ganar depende del pago inicial, las condiciones del préstamo, los impuestos y el seguro.
Cuando contratas una hipoteca, te comprometes a pagar el capital y los intereses durante la vida del préstamo. El tipo de interés se aplica al saldo y, a medida que se va pagando, cambia la cantidad que se paga en concepto de intereses.
Amortización significa que un gran porcentaje del pago se aplica a los intereses al principio del préstamo. Con cada pago posterior, usted paga más para el capital.
Calcula las cuotas mensuales de tu préstamo con un hipoteca en interés fijo con nuestro plan de amortización a 15 y 30 años.
| Year | Beginning balance | Monthly payment | Total interest paid | Total principal paid | Total paid throughout the year | Remaining balance |
|---|---|---|---|---|---|---|
| 1 | $500,000 | $3,327 | $34,839 | $5,079 | $39,918 | $494,921 |
| 2 | $494,921 | $3,327 | $34,472 | $5,446 | $39,918 | $489,475 |
| 3 | $489,475 | $3,327 | $34,078 | $5,840 | $39,918 | $483,635 |
| 4 | $483,635 | $3,327 | $33,656 | $6,262 | $39,918 | $477,373 |
| 5 | $477,373 | $3,327 | $33,203 | $6,715 | $39,918 | $470,658 |
| 6 | $470,658 | $3,327 | $32,718 | $7,200 | $39,918 | $463,458 |
| 7 | $463,458 | $3,327 | $32,197 | $7,721 | $39,918 | $455,737 |
| 8 | $455,737 | $3,327 | $31,639 | $8,279 | $39,918 | $447,458 |
| 9 | $447,458 | $3,327 | $31,041 | $8,877 | $39,918 | $438,581 |
| 10 | $438,581 | $3,327 | $30,399 | $9,519 | $39,918 | $429,062 |
| 11 | $429,062 | $3,327 | $29,711 | $10,207 | $39,918 | $418,855 |
| 12 | $418,855 | $3,327 | $28,973 | $10,945 | $39,918 | $407,910 |
| 13 | $407,910 | $3,327 | $28,182 | $11,736 | $39,918 | $396,173 |
| 14 | $396,173 | $3,327 | $27,333 | $12,585 | $39,918 | $383,589 |
| 15 | $383,589 | $3,327 | $26,424 | $13,494 | $39,918 | $370,094 |
| 16 | $370,094 | $3,327 | $25,448 | $14,470 | $39,918 | $355,624 |
| 17 | $355,624 | $3,327 | $24,402 | $15,516 | $39,918 | $340,108 |
| 18 | $340,108 | $3,327 | $23,281 | $16,638 | $39,918 | $323,471 |
| 19 | $323,471 | $3,327 | $22,078 | $17,840 | $39,918 | $305,630 |
| 20 | $305,630 | $3,327 | $20,788 | $19,130 | $39,918 | $286,500 |
| 21 | $286,500 | $3,327 | $19,405 | $20,513 | $39,918 | $265,987 |
| 22 | $265,987 | $3,327 | $17,922 | $21,996 | $39,918 | $243,992 |
| 23 | $243,992 | $3,327 | $16,332 | $23,586 | $39,918 | $220,406 |
| 24 | $220,406 | $3,327 | $14,627 | $25,291 | $39,918 | $195,115 |
| 25 | $195,115 | $3,327 | $12,799 | $27,119 | $39,918 | $167,996 |
| 26 | $167,996 | $3,327 | $10,838 | $29,080 | $39,918 | $138,916 |
| 27 | $138,916 | $3,327 | $8,736 | $31,182 | $39,918 | $107,734 |
| 28 | $107,734 | $3,327 | $6,482 | $33,436 | $39,918 | $74,298 |
| 29 | $74,298 | $3,327 | $4,065 | $35,853 | $39,918 | $38,445 |
| 30 | $38,445 | $3,327 | $1,473 | $38,445 | $39,918 | $0 |
| Year | Beginning balance | Monthly payment | Total interest paid | Total principal paid | Total paid throughout the year | Remaining balance |
|---|---|---|---|---|---|---|
| 1 | $500,000 | $4,494 | $34,381 | $19,549 | $53,930 | $480,451 |
| 2 | $480,451 | $4,494 | $32,968 | $20,962 | $53,930 | $459,489 |
| 3 | $459,489 | $4,494 | $31,452 | $22,478 | $53,930 | $437,011 |
| 4 | $437,011 | $4,494 | $29,827 | $24,102 | $53,930 | $412,909 |
| 5 | $412,909 | $4,494 | $28,085 | $25,845 | $53,930 | $387,064 |
| 6 | $387,064 | $4,494 | $26,217 | $27,713 | $53,930 | $359,351 |
| 7 | $359,351 | $4,494 | $24,213 | $29,717 | $53,930 | $329,634 |
| 8 | $329,634 | $4,494 | $22,065 | $31,865 | $53,930 | $297,770 |
| 9 | $297,770 | $4,494 | $19,761 | $34,168 | $53,930 | $263,601 |
| 10 | $263,601 | $4,494 | $17,291 | $36,638 | $53,930 | $226,963 |
| 11 | $226,963 | $4,494 | $14,643 | $39,287 | $53,930 | $187,676 |
| 12 | $187,676 | $4,494 | $11,803 | $42,127 | $53,930 | $145,549 |
| 13 | $145,549 | $4,494 | $8,757 | $45,172 | $53,930 | $100,377 |
| 14 | $100,377 | $4,494 | $5,492 | $48,438 | $53,930 | $51,939 |
| 15 | $51,939 | $4,494 | $1,990 | $51,939 | $53,930 | $0 |
Comprar una casa está entre las mayores inversiones que harás. Sepa cuánto podría pagar cada mes por su $500,000 hipoteca -incluyendo qué parte de su pago se destina a sus intereses sobre el capital- cuando busque un prestamista.
Obtenga más información sobre cómo funcionan los préstamos hipotecarios en nuestra guía completa sobre hipotecas.
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