Hipotecar means to pledge property or assets as security for a loan, typically a mortgage on real estate. It is used in financial contexts when discussing borrowing or lending against property.
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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 | hipoteco | Yo hipoteco mi casa para pagar estudios. I mortgage my house to pay for studies. | |
| Tú | hipotecas | Tú hipotecas tu coche para comprar una casa. You mortgage your car to buy a house. | |
| Él / Ella / Usted | hipoteca | Ella hipoteca su propiedad para invertir. She mortgages her property to invest. | |
| Nosotros / Nosotras | hipotecamos | Nosotros hipotecamos nuestro apartamento. We mortgage our apartment. | |
| Vosotros / Vosotras | hipotecáis | Vosotros hipotecáis vuestras tierras. You all mortgage your lands. | |
| Ellos / Ellas / Ustedes | hipotecan | Ellos hipotecan sus negocios. They mortgage their businesses. |
El Pretérito Indefinido - used to talk about actions completed in the past, at a specific point in time
| Pronoun | Conjugation | Example | Audio |
|---|---|---|---|
| Yo | hipotecé | Yo hipotecé mi casa el año pasado. I mortgaged my house last year. | |
| Tú | hipotecaste | Tú hipotecaste tu coche en ese banco. You mortgaged your car at that bank. | |
| Él / Ella / Usted | hipotecó | Ella hipotecó su propiedad para pagar deudas. She mortgaged her property to pay debts. | |
| Nosotros / Nosotras | hipotecamos | Nosotros hipotecamos la casa para financiar el negocio. We mortgaged the house to finance the business. | |
| Vosotros / Vosotras | hipotecasteis | Vosotros hipotecasteis vuestros apartamentos. You all mortgaged your apartments. | |
| Ellos / Ellas / Ustedes | hipotecaron | Ellos hipotecaron sus tierras para invertir. They mortgaged their lands to invest. |
El Pretérito Imperfecto - used to describe regular and repeated actions that happened in the past
| Pronoun | Conjugation | Example | Audio |
|---|---|---|---|
| Yo | hipotecaba | Yo hipotecaba mi casa en esa época. I was mortgaging my house at that time. | |
| Tú | hipotecabas | Tú hipotecabas tu coche cada año. You were mortgaging your car every year. | |
| Él / Ella / Usted | hipotecaba | Él hipotecaba su apartamento frecuentemente. He was mortgaging his apartment frequently. | |
| Nosotros / Nosotras | hipotecábamos | Nosotros hipotecábamos nuestras propiedades. We were mortgaging our properties. | |
| Vosotros / Vosotras | hipotecabais | Vosotros hipotecabais vuestras casas antiguas. You all were mortgaging your old houses. | |
| Ellos / Ellas / Ustedes | hipotecaban | Ellos hipotecaban sus fincas cada año. They were mortgaging their farms every year. |
El Presente Progresivo - used to talk about something that is happening continuously or right now
| Pronoun | Conjugation | Example | Audio |
|---|---|---|---|
| Yo | estoy hipotecando | Estoy hipotecando mi casa ahora mismo. I am mortgaging my house right now. | |
| Tú | estás hipotecando | Estás hipotecando tu propiedad en este momento. You are mortgaging your property at this moment. | |
| Él / Ella / Usted | está hipotecando | Ella está hipotecando su apartamento hoy. She is mortgaging her apartment today. | |
| Nosotros / Nosotras | estamos hipotecando | Estamos hipotecando la oficina ahora. We are mortgaging the office now. | |
| Vosotros / Vosotras | estáis hipotecando | Vosotros estáis hipotecando el coche. You all are mortgaging the car. | |
| Ellos / Ellas / Ustedes | están hipotecando | Ellos están hipotecando varias propiedades. They are mortgaging several properties. |
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 hipotecar | Voy a hipotecar mi casa mañana. I am going to mortgage my house tomorrow. | |
| Tú | vas a hipotecar | ¿Vas a hipotecar tu coche? Are you going to mortgage your car? | |
| Él / Ella / Usted | va a hipotecar | Ella va a hipotecar su propiedad. She is going to mortgage her property. | |
| Nosotros / Nosotras | vamos a hipotecar | Vamos a hipotecar la oficina pronto. We are going to mortgage the office soon. | |
| Vosotros / Vosotras | vais a hipotecar | ¿Vais a hipotecar esas tierras? Are you all going to mortgage those lands? | |
| Ellos / Ellas / Ustedes | van a hipotecar | Ellos van a hipotecar su negocio. They are going to mortgage their business. |
El Futuro Simple - used to talk about something that will happen in the future
| Pronoun | Conjugation | Example | Audio |
|---|---|---|---|
| Yo | hipotecaré | Yo hipotecaré la casa mañana. I will mortgage the house tomorrow. | |
| Tú | hipotecarás | Tú hipotecarás tu coche pronto. You will mortgage your car soon. | |
| Él / Ella / Usted | hipotecará | Él hipotecará su propiedad el próximo mes. He will mortgage his property next month. | |
| Nosotros / Nosotras | hipotecaremos | Nosotros hipotecaremos la oficina. We will mortgage the office. | |
| Vosotros / Vosotras | hipotecaréis | Vosotros hipotecaréis esas tierras. You all will mortgage those lands. | |
| Ellos / Ellas / Ustedes | hipotecarán | Ellos hipotecarán su negocio. They will mortgage their business. |
El Condicional Simple - used to talk about something that may happen in the future, hypothesis and probabilities
| Pronoun | Conjugation | Example | Audio |
|---|---|---|---|
| Yo | hipotecaría | Yo hipotecaría mi casa si tuviera dinero. I would mortgage my house if I had money. | |
| Tú | hipotecarías | Tú hipotecarías tu coche por un préstamo. You would mortgage your car for a loan. | |
| Él / Ella / Usted | hipotecaría | Él hipotecaría su propiedad si fuera necesario. He would mortgage his property if necessary. | |
| Nosotros / Nosotras | hipotecaríamos | Nosotros hipotecaríamos nuestra casa para invertir. We would mortgage our house to invest. | |
| Vosotros / Vosotras | hipotecaríais | Vosotros hipotecaríais vuestros bienes si pudierais. You all would mortgage your assets if you could. | |
| Ellos / Ellas / Ustedes | hipotecarían | Ellos hipotecarían sus propiedades en esa situación. They would mortgage their properties in that situation. |
El Pretérito Perfecto - used to describe actions that started recently and are still happening now
| Pronoun | Conjugation | Example | Audio |
|---|---|---|---|
| Yo | he hipotecado | He hipotecado mi casa recientemente. I have mortgaged my house recently. | |
| Tú | has hipotecado | Tú has hipotecado tu coche. You have mortgaged your car. | |
| Él / Ella / Usted | ha hipotecado | Él ha hipotecado su propiedad. He has mortgaged his property. | |
| Nosotros / Nosotras | hemos hipotecado | Nosotros hemos hipotecado la oficina. We have mortgaged the office. | |
| Vosotros / Vosotras | habéis hipotecado | Vosotros habéis hipotecado varias casas. You all have mortgaged several houses. | |
| Ellos / Ellas / Ustedes | han hipotecado | Ellos han hipotecado sus fincas. They have mortgaged their farms. |
El Pretérito Pluscuamperfecto - used to talk about actions that happened before another action in the past
| Pronoun | Conjugation | Example | Audio |
|---|---|---|---|
| Yo | había hipotecado | Yo había hipotecado mi casa antes de venderla. I had mortgaged my house before selling it. | |
| Tú | habías hipotecado | Tú habías hipotecado tu coche para pagar la deuda. You had mortgaged your car to pay the debt. | |
| Él / Ella / Usted | había hipotecado | Ella había hipotecado su propiedad para financiar el negocio. She had mortgaged her property to finance the business. | |
| Nosotros / Nosotras | habíamos hipotecado | Nosotros habíamos hipotecado la casa antes de mudarnos. We had mortgaged the house before moving. | |
| Vosotros / Vosotras | habíais hipotecado | Vosotros habíais hipotecado el apartamento para comprar otro. You all had mortgaged the apartment to buy another. | |
| Ellos / Ellas / Ustedes | habían hipotecado | Ellos habían hipotecado sus tierras para invertir. They had mortgaged their lands to invest. |
El Futuro Perfecto - used to talk about something that will have happened in the future after something else
| Pronoun | Conjugation | Example | Audio |
|---|---|---|---|
| Yo | habré hipotecado | Para entonces, ya habré hipotecado la casa. By then, I will have mortgaged the house. | |
| Tú | habrás hipotecado | Tú habrás hipotecado el coche para entonces. You will have mortgaged the car by then. | |
| Él / Ella / Usted | habrá hipotecado | Él habrá hipotecado su propiedad mañana. He will have mortgaged his property tomorrow. | |
| Nosotros / Nosotras | habremos hipotecado | Nosotros habremos hipotecado el local antes del lunes. We will have mortgaged the premises before Monday. | |
| Vosotros / Vosotras | habréis hipotecado | Vosotros habréis hipotecado las tierras pronto. You all will have mortgaged the lands soon. | |
| Ellos / Ellas / Ustedes | habrán hipotecado | Ellos habrán hipotecado sus casas para entonces. They will have mortgaged their houses 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 hipotecado | Yo habría hipotecado la casa si tuviera dinero. I would have mortgaged the house if I had money. | |
| Tú | habrías hipotecado | Tú habrías hipotecado el coche para pagar la deuda. You would have mortgaged the car to pay the debt. | |
| Él / Ella / Usted | habría hipotecado | Él habría hipotecado su propiedad si hubiera sabido. He would have mortgaged his property if he had known. | |
| Nosotros / Nosotras | habríamos hipotecado | Nosotros habríamos hipotecado la tienda si fuera necesario. We would have mortgaged the store if it was necessary. | |
| Vosotros / Vosotras | habríais hipotecado | Vosotros habríais hipotecado las tierras si hubierais tenido que. You all would have mortgaged the lands if you had to. | |
| Ellos / Ellas / Ustedes | habrían hipotecado | Ellos habrían hipotecado la propiedad si no hubieran tenido otra opción. They would have mortgaged the property if they 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 | hipoteque | Es importante que yo hipoteque la casa. It's important that I mortgage the house. | |
| Tú | hipoteques | Espero que tú hipoteques el coche pronto. I hope that you mortgage the car soon. | |
| Él / Ella / Usted | hipoteque | Es posible que él hipoteque la propiedad. It's possible that he mortgages the property. | |
| Nosotros / Nosotras | hipotequemos | Queremos que nosotros hipotequemos el apartamento. We want us to mortgage the apartment. | |
| Vosotros / Vosotras | hipotequéis | Dudo que vosotros hipotequéis esa inversión. I doubt that you all mortgage that investment. | |
| Ellos / Ellas / Ustedes | hipotequen | Es necesario que ellos hipotequen la propiedad. It's necessary that they mortgage the property. |
El Imperfecto Subjuntivo - used to speak about unlikely or uncertain events in the past
| Pronoun | Conjugation | Example | Audio |
|---|---|---|---|
| Yo | hipotecara | Quería que hipotecara la casa. I wanted him/her to mortgage the house. | |
| Tú | hipotecaras | Esperaba que hipotecaras el coche. I hoped that you mortgaged the car. | |
| Él / Ella / Usted | hipotecara | Dudaba que él hipotecara la propiedad. I doubted that he mortgaged the property. | |
| Nosotros / Nosotras | hipotecáramos | Preferiría que hipotecáramos el terreno. I would prefer that we mortgaged the land. | |
| Vosotros / Vosotras | hipotecarais | No creía que vosotros hipotecarais la casa. I didn't believe that you all mortgaged the house. | |
| Ellos / Ellas / Ustedes | hipotecaran | Era posible que ellos hipotecaran el negocio. It was possible that they mortgaged the business. |
El Futuro de Subjuntivo - used to speak about hypothetical situations and actions/events that may happen in the future
| Pronoun | Conjugation | Example | Audio |
|---|---|---|---|
| Yo | hipotecare | Si ahorrara, hipotecare la casa. If I saved, I would mortgage the house. | |
| Tú | hipotecares | Cuando heredes, hipotecares el terreno. When you inherit, you will mortgage the land. | |
| Él / Ella / Usted | hipotecare | El banco hipotecare la propiedad mañana. The bank will mortgage the property tomorrow. | |
| Nosotros / Nosotras | hipotecáremos | Nosotros hipotecáremos la casa si es necesario. We will mortgage the house if necessary. | |
| Vosotros / Vosotras | hipotecareis | Vosotros hipotecareis el coche pronto. You all will mortgage the car soon. | |
| Ellos / Ellas / Ustedes | hipotecaren | Ellos hipotecaren la propiedad en el futuro. They will mortgage the property in the future. |
El Pretérito Perfecto de Subjuntivo - used to describe past actions still connected to the present
| Pronoun | Conjugation | Example | Audio |
|---|---|---|---|
| Yo | haya hipotecado | Espero que haya hipotecado la casa. I hope he/she has mortgaged the house. | |
| Tú | hayas hipotecado | Es posible que hayas hipotecado el coche. It's possible that you have mortgaged the car. | |
| Él / Ella / Usted | haya hipotecado | No creo que él haya hipotecado su propiedad. I don't think he has mortgaged his property. | |
| Nosotros / Nosotras | hayamos hipotecado | Es probable que hayamos hipotecado el apartamento. It's likely that we have mortgaged the apartment. | |
| Vosotros / Vosotras | hayáis hipotecado | ¿Habéis hipotecado alguna vez una casa? Have you ever mortgaged a house? | |
| Ellos / Ellas / Ustedes | hayan hipotecado | No creo que hayan hipotecado sus bienes. I don't think they have mortgaged their assets. |
El Pretérito Pluscuamperfecto de Subjuntivo - used to speak about hypothetical situations in the past
| Pronoun | Conjugation | Example | Audio |
|---|---|---|---|
| Yo | hubiera hipotecado | Si hubiera hipotecado la casa, habría perdido todo. If I had mortgaged the house, I would have lost everything. | |
| Tú | hubieras hipotecado | Es posible que hubieras hipotecado el coche. You might have mortgaged the car. | |
| Él / Ella / Usted | hubiera hipotecado | Ella dudaba que él hubiera hipotecado la propiedad. She doubted that he had mortgaged the property. | |
| Nosotros / Nosotras | hubiéramos hipotecado | Nunca pensamos que hubiéramos hipotecado el apartamento. We never thought we had mortgaged the apartment. | |
| Vosotros / Vosotras | hubierais hipotecado | No creían que vosotros hubierais hipotecado el negocio. They didn't believe that you all had mortgaged the business. | |
| Ellos / Ellas / Ustedes | hubieran hipotecado | Si hubieran hipotecado la casa, estarían en problemas. If they had mortgaged the house, they would be in trouble. |
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 hipotecado | Para entonces, ya hubiere hipotecado la casa. By then, I will have already mortgaged the house. | |
| Tú | hubieres hipotecado | Si hubieres hipotecado el coche, no podrás venderlo. If you will have mortgaged the car, you won't be able to sell it. | |
| Él / Ella / Usted | hubiere hipotecado | Es probable que él hubiere hipotecado su propiedad. He may have mortgaged his property. | |
| Nosotros / Nosotras | hubiéremos hipotecado | Para el próximo año, nosotros hubiéremos hipotecado el local. By next year, we will have mortgaged the premises. | |
| Vosotros / Vosotras | hubiereis hipotecado | Cuando lleguéis, ya habréis hipotecado la casa. When you arrive, you will have already mortgaged the house. | |
| Ellos / Ellas / Ustedes | hubieren hipotecado | Es posible que ellos hubieren hipotecado el terreno. It is possible that they will have mortgaged the land. |
El Imperativo Afirmativo - used to give orders and commands, to tell someone to do something
| Pronoun | Conjugation | Example | Audio |
|---|---|---|---|
| Yo | hipoteque | No hagas caso y hipoteque la casa. Don't listen and mortgage the house. | |
| Tú | hipoteque | ¡Hipoteque la propiedad hoy mismo! Mortgage the property today! | |
| Él / Ella / Usted | hipoteque | Por favor, hipoteque el apartamento. Please mortgage the apartment. | |
| Nosotros / Nosotras | hipotequemos | Hipotequemos la casa para el préstamo. Let's mortgage the house for the loan. | |
| Vosotros / Vosotras | hipotequed | Hipotequed la propiedad ahora. Mortgage the property now. | |
| Ellos / Ellas / Ustedes | hipotequen | Deben hipotequen el terreno pronto. They should mortgage the land soon. |
El Imperativo Negativo - used to give orders and commands, telling someone not to do something
| Pronoun | Conjugation | Example | Audio |
|---|---|---|---|
| Yo | no hipoteques | No hipoteques la casa sin pensar. Don't mortgage the house without thinking. | |
| Tú | no hipoteques | No hipoteques tu coche todavía. Don't mortgage your car yet. | |
| Él / Ella / Usted | no hipoteque | No hipoteque esa propiedad sin consultar. Don't mortgage that property without consulting. | |
| Nosotros / Nosotras | no hipotequemos | No hipotequemos nuestras tierras ahora. Let's not mortgage our lands now. | |
| Vosotros / Vosotras | no hipotequéis | No hipotequéis esas inversiones todavía. Don't mortgage those investments yet. | |
| Ellos / Ellas / Ustedes | no hipotequen | No hipotequen sus bienes sin pensar. Don't mortgage their assets without thinking. |
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