Spanish verb endeudar conjugation

endeudar

to incur debt

regular verbPast participle: endeudadoGerund: endeudando

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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Complete conjugation of endeudar

Indicative Present

El Presente - used to talk about situations, events or thoughts that are happening now or in the near future

Pronoun	Conjugation	Example
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.

Indicative Preterite

El Pretérito Indefinido - used to talk about actions completed in the past, at a specific point in time

Pronoun	Conjugation	Example
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.

Indicative Imperfect

El Pretérito Imperfecto - used to describe regular and repeated actions that happened in the past

Pronoun	Conjugation	Example
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.

Indicative Present Continuous

El Presente Progresivo - used to talk about something that is happening continuously or right now

Pronoun	Conjugation	Example
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.

Indicative Informal Future

El Futuro Próximo - used to talk about something that will happen in the future, especially in the near future

Pronoun	Conjugation	Example
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.

Indicative Future

El Futuro Simple - used to talk about something that will happen in the future

Pronoun	Conjugation	Example
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.

Indicative Conditional

El Condicional Simple - used to talk about something that may happen in the future, hypothesis and probabilities

Pronoun	Conjugation	Example
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.

Indicative Present Perfect

El Pretérito Perfecto - used to describe actions that started recently and are still happening now

Pronoun	Conjugation	Example
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.

Indicative Past Perfect

El Pretérito Pluscuamperfecto - used to talk about actions that happened before another action in the past

Pronoun	Conjugation	Example
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.

Indicative Future Perfect

El Futuro Perfecto - used to talk about something that will have happened in the future after something else

Pronoun	Conjugation	Example
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.

Indicative Conditional Perfect

El Condicional Perfecto - used to talk about something that would have happened in the past but didn't

Pronoun	Conjugation	Example
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.

Subjunctive Present

El Presente de Subjuntivo - used to talk about situations of uncertainty, or emotions such as wishes, desires and hopes

Pronoun	Conjugation	Example
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.

Subjunctive Imperfect

El Imperfecto Subjuntivo - used to speak about unlikely or uncertain events in the past

Pronoun	Conjugation	Example
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.

Subjunctive Future

El Futuro de Subjuntivo - used to speak about hypothetical situations and actions/events that may happen in the future

Pronoun	Conjugation	Example
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.

Subjunctive Present Perfect

El Pretérito Perfecto de Subjuntivo - used to describe past actions still connected to the present

Pronoun	Conjugation	Example
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.

Subjunctive Past Perfect

El Pretérito Pluscuamperfecto de Subjuntivo - used to speak about hypothetical situations in the past

Pronoun	Conjugation	Example
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.

Subjunctive Future Perfect

El Futuro Perfecto de Subjuntivo - used to speak about something that will have happened if a hypothetical situation occurs

Pronoun	Conjugation	Example
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.

Imperative Affirmative

El Imperativo Afirmativo - used to give orders and commands, to tell someone to do something

Pronoun	Conjugation	Example
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!

Imperative Negative

El Imperativo Negativo - used to give orders and commands, telling someone not to do something

Pronoun	Conjugation	Example
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.