Amortizar means to gradually pay off a debt or to diminish the value of an asset over time. It is often used in financial contexts to describe the process of reducing debt or expense over a period.
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El Presente - used to talk about situations, events or thoughts that are happening now or in the near future
| Pronoun | Conjugation | Example | Audio |
|---|---|---|---|
| Yo | amortizo | Yo amortizo la deuda cada mes. I amortize the debt each month. | |
| Tú | amortizas | Tú amortizas el préstamo rápidamente. You amortize the loan quickly. | |
| Él / Ella / Usted | amortiza | Ella amortiza su hipoteca este año. She amortizes her mortgage this year. | |
| Nosotros / Nosotras | amortizamos | Nosotros amortizamos la inversión en cinco años. We amortize the investment in five years. | |
| Vosotros / Vosotras | amortizáis | Vosotros amortizáis el equipo en dos años. You all amortize the equipment in two years. | |
| Ellos / Ellas / Ustedes | amortizan | Ellos amortizan la deuda mensualmente. They amortize the debt monthly. |
El Pretérito Indefinido - used to talk about actions completed in the past, at a specific point in time
| Pronoun | Conjugation | Example | Audio |
|---|---|---|---|
| Yo | amorticé | Ayer amorticé la deuda. I paid off the debt yesterday. | |
| Tú | amortizaste | Tú amortizaste el préstamo rápidamente. You paid off the loan quickly. | |
| Él / Ella / Usted | amortizó | Ella amortizó la inversión en meses. She paid off the investment in months. | |
| Nosotros / Nosotras | amortizamos | Nosotros amortizamos la hipoteca el año pasado. We paid off the mortgage last year. | |
| Vosotros / Vosotras | amortizasteis | Vosotros amortizasteis la deuda en poco tiempo. You paid off the debt in a short time. | |
| Ellos / Ellas / Ustedes | amortizaron | Ellos amortizaron el préstamo en cinco años. They paid off the loan in five years. |
El Pretérito Imperfecto - used to describe regular and repeated actions that happened in the past
| Pronoun | Conjugation | Example | Audio |
|---|---|---|---|
| Yo | amortizaba | Yo amortizaba la deuda lentamente. I was amortizing the debt slowly. | |
| Tú | amortizabas | Tú amortizabas el préstamo cada mes. You were amortizing the loan each month. | |
| Él / Ella / Usted | amortizaba | Ella amortizaba la inversión con paciencia. She was amortizing the investment patiently. | |
| Nosotros / Nosotras | amortizábamos | Nosotros amortizábamos la hipoteca en años. We were amortizing the mortgage over years. | |
| Vosotros / Vosotras | amortizabais | Vosotros amortizabais las deudas rápidamente. You all were amortizing the debts quickly. | |
| Ellos / Ellas / Ustedes | amortizaban | Ellos amortizaban los préstamos antiguos. They were amortizing the old loans. |
El Presente Progresivo - used to talk about something that is happening continuously or right now
| Pronoun | Conjugation | Example | Audio |
|---|---|---|---|
| Yo | estoy amortizando | Estoy amortizando la deuda ahora mismo. I am amortizing the debt right now. | |
| Tú | estás amortizando | Estás amortizando el préstamo en este momento. You are amortizing the loan at this moment. | |
| Él / Ella / Usted | está amortizando | Ella está amortizando su coche nuevo. She is amortizing her new car. | |
| Nosotros / Nosotras | estamos amortizando | Estamos amortizando la hipoteca juntos. We are amortizing the mortgage together. | |
| Vosotros / Vosotras | estáis amortizando | Vosotros estáis amortizando el préstamo ahora. You all are amortizing the loan now. | |
| Ellos / Ellas / Ustedes | están amortizando | Ellos están amortizando la deuda lentamente. They are amortizing the debt slowly. |
El Futuro Próximo - used to talk about something that will happen in the future, especially in the near future
| Pronoun | Conjugation | Example | Audio |
|---|---|---|---|
| Yo | voy a amortizar | Voy a amortizar la deuda mañana. I am going to amortize the debt tomorrow. | |
| Tú | vas a amortizar | Vas a amortizar el préstamo esta semana. You are going to amortize the loan this week. | |
| Él / Ella / Usted | va a amortizar | Ella va a amortizar el coche pronto. She is going to amortize the car soon. | |
| Nosotros / Nosotras | vamos a amortizar | Vamos a amortizar la inversión en unos meses. We are going to amortize the investment in a few months. | |
| Vosotros / Vosotras | vais a amortizar | Vosotros vais a amortizar la deuda juntos. You all are going to amortize the debt together. | |
| Ellos / Ellas / Ustedes | van a amortizar | Ellos van a amortizar el préstamo pronto. They are going to amortize the loan soon. |
El Futuro Simple - used to talk about something that will happen in the future
| Pronoun | Conjugation | Example | Audio |
|---|---|---|---|
| Yo | amortizaré | Yo amortizaré la deuda pronto. I will pay off the debt soon. | |
| Tú | amortizarás | Tú amortizarás el préstamo mañana. You will pay off the loan tomorrow. | |
| Él / Ella / Usted | amortizará | Ella amortizará el crédito en un año. She will pay off the credit in a year. | |
| Nosotros / Nosotras | amortizaremos | Nosotros amortizaremos la hipoteca pronto. We will pay off the mortgage soon. | |
| Vosotros / Vosotras | amortizaréis | Vosotros amortizaréis la deuda en meses. You all will pay off the debt in months. | |
| Ellos / Ellas / Ustedes | amortizarán | Ellos amortizarán el préstamo este año. They will pay off the loan this year. |
El Condicional Simple - used to talk about something that may happen in the future, hypothesis and probabilities
| Pronoun | Conjugation | Example | Audio |
|---|---|---|---|
| Yo | amortizaría | Yo amortizaría la deuda si tuviera dinero. I would pay off the debt if I had money. | |
| Tú | amortizarías | Tú amortizarías el préstamo si ganaras más. You would pay off the loan if you earned more. | |
| Él / Ella / Usted | amortizaría | Él amortizaría la inversión si fuera rentable. He would amortize the investment if it were profitable. | |
| Nosotros / Nosotras | amortizaríamos | Nosotros amortizaríamos la hipoteca si pudiéramos. We would pay off the mortgage if we could. | |
| Vosotros / Vosotras | amortizaríais | Vosotros amortizaríais el crédito si encontráis trabajo. You all would pay off the credit if you found a job. | |
| Ellos / Ellas / Ustedes | amortizarían | Ellos amortizarían la deuda si recibieran ayuda. They would pay off the debt if they received help. |
El Pretérito Perfecto - used to describe actions that started recently and are still happening now
| Pronoun | Conjugation | Example | Audio |
|---|---|---|---|
| Yo | he amortizado | He amortizado la deuda este mes. I have paid off the debt this month. | |
| Tú | has amortizado | ¿Has amortizado el préstamo? Have you paid off the loan? | |
| Él / Ella / Usted | ha amortizado | Ella ha amortizado su inversión. She has amortized her investment. | |
| Nosotros / Nosotras | hemos amortizado | Hemos amortizado la maquinaria. We have amortized the machinery. | |
| Vosotros / Vosotras | habéis amortizado | ¿Habéis amortizado los gastos? Have you all amortized the expenses? | |
| Ellos / Ellas / Ustedes | han amortizado | Ellos han amortizado la inversión. They have amortized the investment. |
El Pretérito Pluscuamperfecto - used to talk about actions that happened before another action in the past
| Pronoun | Conjugation | Example | Audio |
|---|---|---|---|
| Yo | había amortizado | Ya había amortizado la deuda. I had already paid off the debt. | |
| Tú | habías amortizado | Tú habías amortizado el préstamo. You had paid off the loan. | |
| Él / Ella / Usted | había amortizado | Ella ya había amortizado su inversión. She had already amortized her investment. | |
| Nosotros / Nosotras | habíamos amortizado | Nosotros habíamos amortizado el equipo. We had amortized the equipment. | |
| Vosotros / Vosotras | habíais amortizado | Vosotros habíais amortizado los gastos. You all had amortized the expenses. | |
| Ellos / Ellas / Ustedes | habían amortizado | Ellos ya habían amortizado la inversión. They had already amortized the investment. |
El Futuro Perfecto - used to talk about something that will have happened in the future after something else
| Pronoun | Conjugation | Example | Audio |
|---|---|---|---|
| Yo | habré amortizado | Para entonces, ya habré amortizado la deuda. By then, I will have paid off the debt. | |
| Tú | habrás amortizado | Tú habrás amortizado el préstamo para mañana. You will have paid off the loan by tomorrow. | |
| Él / Ella / Usted | habrá amortizado | Él habrá amortizado la inversión en diciembre. He will have amortized the investment by December. | |
| Nosotros / Nosotras | habremos amortizado | Nosotros habremos amortizado el equipo antes del fin de año. We will have paid off the equipment before the end of the year. | |
| Vosotros / Vosotras | habréis amortizado | Vosotros habréis amortizado los gastos pronto. You all will have amortized the expenses soon. | |
| Ellos / Ellas / Ustedes | habrán amortizado | Ellos habrán amortizado la inversión para entonces. They will have paid off the investment by then. |
El Condicional Perfecto - used to talk about something that would have happened in the past but didn't
| Pronoun | Conjugation | Example | Audio |
|---|---|---|---|
| Yo | habría amortizado | Yo habría amortizado la deuda si tuviera dinero. I would have paid off the debt if I had money. | |
| Tú | habrías amortizado | Tú habrías amortizado el préstamo antes de irte. You would have paid off the loan before leaving. | |
| Él / Ella / Usted | habría amortizado | Él habría amortizado la inversión si hubiera sabido. He would have amortized the investment if he had known. | |
| Nosotros / Nosotras | habríamos amortizado | Nosotros habríamos amortizado el equipo si hubiéramos tenido fondos. We would have amortized the equipment if we had had funds. | |
| Vosotros / Vosotras | habríais amortizado | Vosotros habríais amortizado la maquinaria si la hubierais usado más. You all would have amortized the machinery if you had used it more. | |
| Ellos / Ellas / Ustedes | habrían amortizado | Ellos habrían amortizado la inversión si hubieran tenido éxito. They would have amortized the investment if they had succeeded. |
El Presente de Subjuntivo - used to talk about situations of uncertainty, or emotions such as wishes, desires and hopes
| Pronoun | Conjugation | Example | Audio |
|---|---|---|---|
| Yo | amortice | Es importante que yo amortice la deuda. It is important that I amortize the debt. | |
| Tú | amortices | Espero que tú amortices el préstamo pronto. I hope that you amortize the loan soon. | |
| Él / Ella / Usted | amortice | Es posible que él amortice el crédito. It is possible that he amortizes the credit. | |
| Nosotros / Nosotras | amorticemos | Queremos que nosotros amorticemos la inversión. We want us to amortize the investment. | |
| Vosotros / Vosotras | amorticéis | Es necesario que vosotros amorticéis la hipoteca. It is necessary that you all amortize the mortgage. | |
| Ellos / Ellas / Ustedes | amorticen | Dudo que ellos amorticen la deuda rápidamente. I doubt that they amortize the debt quickly. |
El Imperfecto Subjuntivo - used to speak about unlikely or uncertain events in the past
| Pronoun | Conjugation | Example | Audio |
|---|---|---|---|
| Yo | amortizara | Esperaba que yo amortizara la deuda pronto. I hoped that I paid off the debt soon. | |
| Tú | amortizaras | Dudaba que tú amortizaras el préstamo. I doubted that you paid off the loan. | |
| Él / Ella / Usted | amortizara | No creía que él amortizara la inversión. I didn't believe that he paid off the investment. | |
| Nosotros / Nosotras | amortizáramos | Era posible que nosotros amortizáramos la hipoteca. It was possible that we paid off the mortgage. | |
| Vosotros / Vosotras | amortizarais | No pensaba que vosotros amortizarais la deuda rápidamente. I didn't think that you all paid off the debt quickly. | |
| Ellos / Ellas / Ustedes | amortizaran | No creían que ellos amortizaran el préstamo en ese plazo. They didn't believe that they paid off the loan in that period. |
El Futuro de Subjuntivo - used to speak about hypothetical situations and actions/events that may happen in the future
| Pronoun | Conjugation | Example | Audio |
|---|---|---|---|
| Yo | amortizare | Si la empresa amortizare la deuda, mejorará su crédito. If the company amortize the debt, its credit will improve. | |
| Tú | amortizare | Cuando amortizare el préstamo, pagarás menos intereses. When you amortize the loan, you will pay less interest. | |
| Él / Ella / Usted | amortizare | Es posible que amortizare el equipo pronto. It is possible that he/she/you will amortize the equipment soon. | |
| Nosotros / Nosotras | amortizare | Esperamos que amortizare la inversión en el futuro. We hope that we will amortize the investment in the future. | |
| Vosotros / Vosotras | amortizare | Si amortizare la maquinaria, reduciremos costos. If you all amortize the machinery, we will reduce costs. | |
| Ellos / Ellas / Ustedes | amortizare | Es probable que amortizare las deudas pronto. It is likely that they/you all will amortize the debts soon. |
El Pretérito Perfecto de Subjuntivo - used to describe past actions still connected to the present
| Pronoun | Conjugation | Example | Audio |
|---|---|---|---|
| Yo | haya amortizado | Espero que haya amortizado la deuda. I hope I have paid off the debt. | |
| Tú | hayas amortizado | Es posible que hayas amortizado el préstamo. It's possible that you have paid off the loan. | |
| Él / Ella / Usted | haya amortizado | Es importante que él haya amortizado la inversión. It's important that he has amortized the investment. | |
| Nosotros / Nosotras | hayamos amortizado | Creemos que ya hayamos amortizado el gasto. We believe that we have already amortized the expense. | |
| Vosotros / Vosotras | hayáis amortizado | ¿Habéis amortizado el coste todavía? Have you all paid off the cost yet? | |
| Ellos / Ellas / Ustedes | hayan amortizado | Es probable que hayan amortizado la inversión. It's likely that they have amortized the investment. |
El Pretérito Pluscuamperfecto de Subjuntivo - used to speak about hypothetical situations in the past
| Pronoun | Conjugation | Example | Audio |
|---|---|---|---|
| Yo | hubiera amortizado | Si hubiera amortizado la deuda, estaría tranquilo. If I had paid off the debt, I would be at peace. | |
| Tú | hubieras amortizado | Si hubieras amortizado el préstamo, no tendrías problemas ahora. If you had paid off the loan, you wouldn't have problems now. | |
| Él / Ella / Usted | hubiera amortizado | Ella habría amortizado la inversión si hubiera tenido dinero. She would have paid off the investment if she had had money. | |
| Nosotros / Nosotras | hubiéramos amortizado | Nosotros habríamos amortizado la hipoteca antes de mudarnos. We would have paid off the mortgage before moving. | |
| Vosotros / Vosotras | hubierais amortizado | Si hubierais amortizado el préstamo, no habría problemas. If you had paid off the loan, there wouldn't be problems. | |
| Ellos / Ellas / Ustedes | hubieran amortizado | Ellos habrían amortizado la deuda si hubieran tenido tiempo. They would have paid off the debt if they had had time. |
El Futuro Perfecto de Subjuntivo - used to speak about something that will have happened if a hypothetical situation occurs
| Pronoun | Conjugation | Example | Audio |
|---|---|---|---|
| Yo | hubiere amortizado | Para entonces, ya hubiere amortizado la deuda. By then, I will have already paid off the debt. | |
| Tú | hubieres amortizado | Es posible que tú hubieres amortizado el préstamo. It is possible that you will have paid off the loan. | |
| Él / Ella / Usted | hubiere amortizado | Quizá él hubiere amortizado la inversión. Maybe he will have amortized the investment. | |
| Nosotros / Nosotras | hubiéremos amortizado | Para entonces, nosotros hubiéremos amortizado todo. By then, we will have paid everything off. | |
| Vosotros / Vosotras | hubiereis amortizado | Es probable que vosotros hubiereis amortizado el crédito. It’s likely that you all will have paid off the credit. | |
| Ellos / Ellas / Ustedes | hubieren amortizado | Cuando lleguen, ya hubieren amortizado el préstamo. When they arrive, they will have already paid off the loan. |
El Imperativo Afirmativo - used to give orders and commands, to tell someone to do something
| Pronoun | Conjugation | Example | Audio |
|---|---|---|---|
| Yo | amortice | Amortice la deuda lo antes posible. Pay off the debt as soon as possible. | |
| Tú | amortiza | Amortiza el préstamo este mes. Pay off the loan this month. | |
| Él / Ella / Usted | amortice | Amortice la inversión rápidamente. Amortize the investment quickly. | |
| Nosotros / Nosotras | amorticemos | Amorticemos la deuda juntos. Let's amortize the debt together. | |
| Vosotros / Vosotras | amortizad | Amortizad el préstamo pronto. Pay off the loan soon. | |
| Ellos / Ellas / Ustedes | amorticen | Amorticen las cuotas mensuales. Amortize the monthly installments. |
El Imperativo Negativo - used to give orders and commands, telling someone not to do something
| Pronoun | Conjugation | Example | Audio |
|---|---|---|---|
| Yo | no amortices | No amortices esa deuda todavía. Don't amortize that debt yet. | |
| Tú | no amortices | No amortices el préstamo sin consultar. Don't amortize the loan without consulting. | |
| Él / Ella / Usted | no amortice | Por favor, no amortice esa cuenta ahora. Please, don't amortize that account now. | |
| Nosotros / Nosotras | no amorticemos | No amorticemos la inversión todavía. Let's not amortize the investment yet. | |
| Vosotros / Vosotras | no amorticéis | No amorticéis esa deuda sin planear. Don't amortize that debt without planning. | |
| Ellos / Ellas / Ustedes | no amorticen | No amorticen esas cuentas por ahora. Don't amortize those accounts for now. |
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