Endeudar means to incur debt or to owe money. It is used when referring to the act of becoming indebted or owing someone.
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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 | endeudo | Yo endeudo a muchas personas. I incur debt to many people. | |
| Tú | endeudas | Tú endeudas sin pensar. You incur debt without thinking. | |
| Él / Ella / Usted | endeuda | Él endeuda a su familia. He incurs debt to his family. | |
| Nosotros / Nosotras | endeudamos | Nosotros endeudamos para comprar una casa. We incur debt to buy a house. | |
| Vosotros / Vosotras | endeudáis | Vosotros endeudáis por gastos innecesarios. You all incur debt for unnecessary expenses. | |
| Ellos / Ellas / Ustedes | endeudan | Ellos endeudan a sus empleados. They incur debt to their employees. |
El Pretérito Indefinido - used to talk about actions completed in the past, at a specific point in time
| Pronoun | Conjugation | Example | Audio |
|---|---|---|---|
| Yo | endeudé | Ayer endeudé a mi amigo. Yesterday I borrowed money from my friend. | |
| Tú | endeudaste | Tú endeudaste a tu hermano. You borrowed money from your brother. | |
| Él / Ella / Usted | endeudó | Él endeudó a la empresa. He borrowed money for the company. | |
| Nosotros / Nosotras | endeudamos | Nosotros endeudamos para comprar la casa. We borrowed money to buy the house. | |
| Vosotros / Vosotras | endeudasteis | Vosotros endeudasteis al banco. You all borrowed money from the bank. | |
| Ellos / Ellas / Ustedes | endeudaron | Ellos endeudaron a la familia. They borrowed money from the family. |
El Pretérito Imperfecto - used to describe regular and repeated actions that happened in the past
| Pronoun | Conjugation | Example | Audio |
|---|---|---|---|
| Yo | endeudaba | Yo endeudaba frecuentemente en esa tienda. I used to go into debt frequently at that store. | |
| Tú | endeudabas | Tú endeudabas a menudo con esa tarjeta. You used to go into debt often with that card. | |
| Él / Ella / Usted | endeudaba | Él endeudaba a veces por gastos imprevistos. He used to go into debt sometimes due to unexpected expenses. | |
| Nosotros / Nosotras | endeudábamos | Nosotros endeudábamos para comprar la casa. We used to go into debt to buy the house. | |
| Vosotros / Vosotras | endeudabais | Vosotros endeudabais sin pensar en el futuro. You all used to go into debt without thinking about the future. | |
| Ellos / Ellas / Ustedes | endeudaban | Ellos endeudaban a menudo por gastos innecesarios. They used to go into debt often for unnecessary expenses. |
El Presente Progresivo - used to talk about something that is happening continuously or right now
| Pronoun | Conjugation | Example | Audio |
|---|---|---|---|
| Yo | estoy endeudando | Estoy endeudando mi tarjeta de crédito. I am indebting my credit card. | |
| Tú | estás endeudando | Estás endeudando a tus amigos. You are indebting your friends. | |
| Él / Ella / Usted | está endeudando | Ella está endeudando a su familia. She is indebting her family. | |
| Nosotros / Nosotras | estamos endeudando | Estamos endeudando a la empresa. We are indebting the company. | |
| Vosotros / Vosotras | estáis endeudando | Vosotros estáis endeudando a la comunidad. You all are indebting the community. | |
| Ellos / Ellas / Ustedes | están endeudando | Ellos están endeudando sus cuentas. They are indebting their accounts. |
El Futuro Próximo - used to talk about something that will happen in the future, especially in the near future
| Pronoun | Conjugation | Example | Audio |
|---|---|---|---|
| Yo | me endeudaré | Yo me endeudaré para comprar una casa. I will go into debt to buy a house. | |
| Tú | te endeudarás | Tú te endeudarás si compras ese coche. You will go into debt if you buy that car. | |
| Él / Ella / Usted | se endeudará | Él se endeudará para estudiar en el extranjero. He will go into debt to study abroad. | |
| Nosotros / Nosotras | nos endeudaremos | Nosotros nos endeudaremos para financiar el proyecto. We will go into debt to finance the project. | |
| Vosotros / Vosotras | os endeudaréis | Vosotros os endeudaréis si compráis esa propiedad. You all will go into debt if you buy that property. | |
| Ellos / Ellas / Ustedes | se endeudarán | Ellos se endeudarán para abrir el negocio. They will go into debt to start the business. |
El Futuro Simple - used to talk about something that will happen in the future
| Pronoun | Conjugation | Example | Audio |
|---|---|---|---|
| Yo | endeudaré | Yo endeudaré para comprar una casa. I will go into debt to buy a house. | |
| Tú | endeudarás | Tú endeudarás si compras eso ahora. You will go into debt if you buy that now. | |
| Él / Ella / Usted | endeudará | Él endeudará para financiar su negocio. He will go into debt to finance his business. | |
| Nosotros / Nosotras | endeudaremos | Nosotros endeudaremos para ampliar la empresa. We will go into debt to expand the company. | |
| Vosotros / Vosotras | endeudaréis | Vosotros endeudaréis si no ahorráis. You all will go into debt if you don't save. | |
| Ellos / Ellas / Ustedes | endeudarán | Ellos endeudarán para pagar la universidad. They will go into debt to pay for college. |
El Condicional Simple - used to talk about something that may happen in the future, hypothesis and probabilities
| Pronoun | Conjugation | Example | Audio |
|---|---|---|---|
| Yo | endeudaría | Yo endeudaría si no tuviera ahorros. I would go into debt if I didn't have savings. | |
| Tú | endeudarías | Tú endeudarías para comprar esa casa. You would go into debt to buy that house. | |
| Él / Ella / Usted | endeudaría | Él endeudaría si el interés fuera bajo. He would go into debt if the interest were low. | |
| Nosotros / Nosotras | endeudaríamos | Nosotros endeudaríamos para financiar el proyecto. We would go into debt to finance the project. | |
| Vosotros / Vosotras | endeudaríais | Vosotros endeudaríais si no ahorráis suficiente. You all would go into debt if you don't save enough. | |
| Ellos / Ellas / Ustedes | endeudarían | Ellos endeudarían para invertir en la empresa. They would go into debt to invest in the company. |
El Pretérito Perfecto - used to describe actions that started recently and are still happening now
| Pronoun | Conjugation | Example | Audio |
|---|---|---|---|
| Yo | me he endeudado | Me he endeudado por la universidad. I have gone into debt for university. | |
| Tú | te has endeudado | ¿Te has endeudado con ese préstamo? Have you gone into debt with that loan? | |
| Él / Ella / Usted | se ha endeudado | Él se ha endeudado para comprar una casa. He has gone into debt to buy a house. | |
| Nosotros / Nosotras | nos hemos endeudado | Nos hemos endeudado para financiar el proyecto. We have gone into debt to finance the project. | |
| Vosotros / Vosotras | os habéis endeudado | ¿Os habéis endeudado por ese coche? Have you all gone into debt for that car? | |
| Ellos / Ellas / Ustedes | se han endeudado | Ellos se han endeudado para estudiar en el extranjero. They have gone into debt to study abroad. |
El Pretérito Pluscuamperfecto - used to talk about actions that happened before another action in the past
| Pronoun | Conjugation | Example | Audio |
|---|---|---|---|
| Yo | me había endeudado | Antes de ahorrar, me había endeudado mucho. Before saving, I had gone into debt a lot. | |
| Tú | te habías endeudado | Tú ya te habías endeudado antes de comprar la casa. You had already gone into debt before buying the house. | |
| Él / Ella / Usted | se había endeudado | Ella se había endeudado por sus estudios. She had gone into debt because of her studies. | |
| Nosotros / Nosotras | nos habíamos endeudado | Nosotros nos habíamos endeudado para el negocio. We had gone into debt for the business. | |
| Vosotros / Vosotras | os habíais endeudado | Vosotros os habíais endeudado antes de viajar. You all had gone into debt before traveling. | |
| Ellos / Ellas / Ustedes | se habían endeudado | Ellos se habían endeudado por la compra del coche. They had gone into debt for the car purchase. |
El Futuro Perfecto - used to talk about something that will have happened in the future after something else
| Pronoun | Conjugation | Example | Audio |
|---|---|---|---|
| Yo | habré endeudado | Para entonces, ya habré endeudado mis gastos. By then, I will have incurred my expenses. | |
| Tú | habrás endeudado | Para mañana, habrás endeudado tus cuentas. By tomorrow, you will have incurred your bills. | |
| Él / Ella / Usted | habrá endeudado | Él ya habrá endeudado su préstamo. He will have already incurred his loan. | |
| Nosotros / Nosotras | habremos endeudado | Nosotros habremos endeudado nuestras deudas. We will have incurred our debts. | |
| Vosotros / Vosotras | habréis endeudado | Vosotros habréis endeudado vuestros gastos. You all will have incurred your expenses. | |
| Ellos / Ellas / Ustedes | habrán endeudado | Ellos habrán endeudado sus préstamos. They will have incurred their loans. |
El Condicional Perfecto - used to talk about something that would have happened in the past but didn't
| Pronoun | Conjugation | Example | Audio |
|---|---|---|---|
| Yo | habría endeudado | Yo habría endeudado si hubiera tenido dinero. I would have gone into debt if I had had money. | |
| Tú | habrías endeudado | Tú habrías endeudado sin pensarlo. You would have gone into debt without thinking. | |
| Él / Ella / Usted | habría endeudado | Él habría endeudado si hubiera sido necesario. He would have gone into debt if it had been necessary. | |
| Nosotros / Nosotras | habríamos endeudado | Nosotros habríamos endeudado para comprar la casa. We would have gone into debt to buy the house. | |
| Vosotros / Vosotras | habríais endeudado | Vosotros habríais endeudado si hubierais querido. You all would have gone into debt if you had wanted to. | |
| Ellos / Ellas / Ustedes | habrían endeudado | Ellos habrían endeudado si no hubieran tenido otra opción. They would have gone into debt if they had had no other option. |
El Presente de Subjuntivo - used to talk about situations of uncertainty, or emotions such as wishes, desires and hopes
| Pronoun | Conjugation | Example | Audio |
|---|---|---|---|
| Yo | endeude | Es importante que yo endeude menos. It's important that I go into debt less. | |
| Tú | endeudes | Espero que tú endeudes solo lo necesario. I hope that you only go into debt as necessary. | |
| Él / Ella / Usted | endeude | Es posible que él endeude su negocio. It's possible that he goes into debt for his business. | |
| Nosotros / Nosotras | endeudemos | Queremos que nosotros endeudemos menos. We want us to go into less debt. | |
| Vosotros / Vosotras | endeudéis | Es necesario que vosotros endeudéis menos. It's necessary that you all go into less debt. | |
| Ellos / Ellas / Ustedes | endeuden | Es probable que ellos endeuden mucho. It's probable that they go into a lot of debt. |
El Imperfecto Subjuntivo - used to speak about unlikely or uncertain events in the past
| Pronoun | Conjugation | Example | Audio |
|---|---|---|---|
| Yo | endeudara | Esperaba que yo endeudara menos. I hoped that I would owe less money. | |
| Tú | endeudaras | No creía que tú endeudaras tanto. I didn't think that you would owe so much. | |
| Él / Ella / Usted | endeudara | Pensaba que él endeudara a menudo. I thought that he used to go into debt often. | |
| Nosotros / Nosotras | endeudáramos | Deseábamos que nosotros endeudáramos menos. We wished that we owed less money. | |
| Vosotros / Vosotras | endeudarais | No sabíamos que vosotros endeudarais tanto. We didn't know that you all owed so much. | |
| Ellos / Ellas / Ustedes | endeudaran | Era posible que ellos endeudaran en el pasado. It was possible that they owed money in the past. |
El Futuro de Subjuntivo - used to speak about hypothetical situations and actions/events that may happen in the future
| Pronoun | Conjugation | Example | Audio |
|---|---|---|---|
| Yo | endeudare | Si endeudare, pagaré en el futuro. If I incur debt, I will pay in the future. | |
| Tú | endeudares | Cuando endeudares, tendrás que buscar ayuda. When you incur debt, you will have to seek help. | |
| Él / Ella / Usted | endeudare | Es posible que endeudare si no ahorro. He/She/You may incur debt if I don't save. | |
| Nosotros / Nosotras | endeudáremos | Nosotros endeudáremos si compramos la casa. We will incur debt if we buy the house. | |
| Vosotros / Vosotras | endeudareis | Vosotros endeudareis si no planificáis bien. You all will incur debt if you don't plan well. | |
| Ellos / Ellas / Ustedes | endeudaren | Ellos endeudaren si no ahorran dinero. They may incur debt if they don't save money. |
El Pretérito Perfecto de Subjuntivo - used to describe past actions still connected to the present
| Pronoun | Conjugation | Example | Audio |
|---|---|---|---|
| Yo | haya endeudado | Espero que haya endeudado menos este mes. I hope I have owed less this month. | |
| Tú | hayas endeudado | Es posible que hayas endeudado demasiado. It's possible that you have owed too much. | |
| Él / Ella / Usted | haya endeudado | Es probable que él haya endeudado a su familia. It's likely that he has owed his family. | |
| Nosotros / Nosotras | hayamos endeudado | Creemos que hayamos endeudado en el pasado. We believe that we have owed in the past. | |
| Vosotros / Vosotras | hayáis endeudado | No estoy seguro de que hayáis endeudado tanto. I'm not sure that you have owed so much. | |
| Ellos / Ellas / Ustedes | hayan endeudado | Es posible que hayan endeudado antes de pagar. It's possible that they have owed before paying. |
El Pretérito Pluscuamperfecto de Subjuntivo - used to speak about hypothetical situations in the past
| Pronoun | Conjugation | Example | Audio |
|---|---|---|---|
| Yo | hubiera endeudado | Si hubiera endeudado más, habría tenido problemas. If I had borrowed more, I would have had problems. | |
| Tú | hubieras endeudado | Es posible que hubieras endeudado sin querer. You might have borrowed money unintentionally. | |
| Él / Ella / Usted | hubiera endeudado | Ella habría endeudado la casa si hubiera podido. She would have borrowed against the house if she could have. | |
| Nosotros / Nosotras | hubiéramos endeudado | Nosotros no hubiéramos endeudado tanto si supiéramos. We wouldn't have borrowed so much if we had known. | |
| Vosotros / Vosotras | hubierais endeudado | ¿Habíais endeudado antes de la crisis? Had you borrowed before the crisis? | |
| Ellos / Ellas / Ustedes | hubieran endeudado | Ellos habrían endeudado la empresa si hubieran tenido oportunidad. They would have borrowed money for the company if they had had the chance. |
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 endeudado | Para entonces, ya hubiere endeudado la casa. By then, I will have already indebted the house. | |
| Tú | hubieres endeudado | Es probable que tú hubieres endeudado el préstamo. It's likely that you will have indebted the loan. | |
| Él / Ella / Usted | hubiere endeudado | Es posible que él hubiere endeudado a tiempo. It's possible that he will have indebted himself in time. | |
| Nosotros / Nosotras | hubiéremos endeudado | Quizá nosotros hubiéremos endeudado antes de terminar. Perhaps we will have indebted ourselves before finishing. | |
| Vosotros / Vosotras | hubiereis endeudado | Es probable que vosotros hubiereis endeudado ya. It's likely that you all will have indebted yourselves already. | |
| Ellos / Ellas / Ustedes | hubieren endeudado | Cuando lleguen, ya hubieren endeudado el negocio. When they arrive, they will have already indebted the business. |
El Imperativo Afirmativo - used to give orders and commands, to tell someone to do something
| Pronoun | Conjugation | Example | Audio |
|---|---|---|---|
| Yo | endeuda | ¡Endeuda la cuenta ahora! Pay the bill now! | |
| Tú | endeuda | ¡Endeuda el préstamo hoy! Pay the loan today! | |
| Él / Ella / Usted | endeude | ¡Endeude la deuda inmediatamente! Pay the debt immediately! | |
| Nosotros / Nosotras | endeudemos | ¡Endeudemos la cuenta juntos! Let's pay the bill together! | |
| Vosotros / Vosotras | endeudad | ¡Endeudad la deuda ahora! Pay the debt now! | |
| Ellos / Ellas / Ustedes | endeuden | ¡Endeuden las facturas hoy! Pay the bills today! |
El Imperativo Negativo - used to give orders and commands, telling someone not to do something
| Pronoun | Conjugation | Example | Audio |
|---|---|---|---|
| Yo | no endeudes | No endeudes en la deuda. Don't go into debt. | |
| Tú | no endeudes | No endeudes más dinero. Don't owe more money. | |
| Él / Ella / Usted | no endeude | No endeude a nadie sin pensar. Don't owe anyone without thinking. | |
| Nosotros / Nosotras | no endeudemos | No endeudemos a nuestros hijos. Let's not owe our children. | |
| Vosotros / Vosotras | no endeudéis | No endeudéis vuestros recursos. Don't owe your resources. | |
| Ellos / Ellas / Ustedes | no endeuden | No endeuden a sus empleados. Don't owe your employees. |
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