Hipoteca / crédito hipotecario
Estima la mensualidad hipotecaria y el cuadro de amortización a partir del precio y el enganche.
Revisado: 2026-09-21
Resultado
Cuota mensual
$533.599
- Importe financiado
- $96.000.000
- Intereses totales
- $64.079.753
- Costo total
- $184.079.753
- Precio del inmueble
- $120.000.000
- Pie
- $24.000.000
- Gastos opcionales
- $0
Desglose
Tabla de amortización
| Periodo | Cuota | Intereses | Capital | Saldo |
|---|---|---|---|---|
| 1 | $533.599 | $360.000 | $173.599 | $95.826.401 |
| 2 | $533.599 | $359.349 | $174.250 | $95.652.151 |
| 3 | $533.599 | $358.696 | $174.904 | $95.477.247 |
| 4 | $533.599 | $358.040 | $175.560 | $95.301.688 |
| 5 | $533.599 | $357.381 | $176.218 | $95.125.470 |
| 6 | $533.599 | $356.721 | $176.879 | $94.948.591 |
| 7 | $533.599 | $356.057 | $177.542 | $94.771.049 |
| 8 | $533.599 | $355.391 | $178.208 | $94.592.841 |
| 9 | $533.599 | $354.723 | $178.876 | $94.413.965 |
| 10 | $533.599 | $354.052 | $179.547 | $94.234.418 |
| 11 | $533.599 | $353.379 | $180.220 | $94.054.198 |
| 12 | $533.599 | $352.703 | $180.896 | $93.873.302 |
| 13 | $533.599 | $352.025 | $181.574 | $93.691.728 |
| 14 | $533.599 | $351.344 | $182.255 | $93.509.473 |
| 15 | $533.599 | $350.661 | $182.939 | $93.326.534 |
| 16 | $533.599 | $349.975 | $183.625 | $93.142.910 |
| 17 | $533.599 | $349.286 | $184.313 | $92.958.596 |
| 18 | $533.599 | $348.595 | $185.004 | $92.773.592 |
| 19 | $533.599 | $347.901 | $185.698 | $92.587.894 |
| 20 | $533.599 | $347.205 | $186.395 | $92.401.499 |
| 21 | $533.599 | $346.506 | $187.094 | $92.214.406 |
| 22 | $533.599 | $345.804 | $187.795 | $92.026.610 |
| 23 | $533.599 | $345.100 | $188.499 | $91.838.111 |
| 24 | $533.599 | $344.393 | $189.206 | $91.648.905 |
| 25 | $533.599 | $343.683 | $189.916 | $91.458.989 |
| 26 | $533.599 | $342.971 | $190.628 | $91.268.361 |
| 27 | $533.599 | $342.256 | $191.343 | $91.077.018 |
| 28 | $533.599 | $341.539 | $192.060 | $90.884.958 |
| 29 | $533.599 | $340.819 | $192.781 | $90.692.177 |
| 30 | $533.599 | $340.096 | $193.504 | $90.498.674 |
| 31 | $533.599 | $339.370 | $194.229 | $90.304.444 |
| 32 | $533.599 | $338.642 | $194.958 | $90.109.487 |
| 33 | $533.599 | $337.911 | $195.689 | $89.913.798 |
| 34 | $533.599 | $337.177 | $196.422 | $89.717.376 |
| 35 | $533.599 | $336.440 | $197.159 | $89.520.217 |
| 36 | $533.599 | $335.701 | $197.898 | $89.322.319 |
| 37 | $533.599 | $334.959 | $198.640 | $89.123.678 |
| 38 | $533.599 | $334.214 | $199.385 | $88.924.293 |
| 39 | $533.599 | $333.466 | $200.133 | $88.724.160 |
| 40 | $533.599 | $332.716 | $200.884 | $88.523.276 |
| 41 | $533.599 | $331.962 | $201.637 | $88.321.639 |
| 42 | $533.599 | $331.206 | $202.393 | $88.119.246 |
| 43 | $533.599 | $330.447 | $203.152 | $87.916.094 |
| 44 | $533.599 | $329.685 | $203.914 | $87.712.180 |
| 45 | $533.599 | $328.921 | $204.679 | $87.507.502 |
| 46 | $533.599 | $328.153 | $205.446 | $87.302.056 |
| 47 | $533.599 | $327.383 | $206.216 | $87.095.839 |
| 48 | $533.599 | $326.609 | $206.990 | $86.888.849 |
| 49 | $533.599 | $325.833 | $207.766 | $86.681.083 |
| 50 | $533.599 | $325.054 | $208.545 | $86.472.538 |
| 51 | $533.599 | $324.272 | $209.327 | $86.263.211 |
| 52 | $533.599 | $323.487 | $210.112 | $86.053.099 |
| 53 | $533.599 | $322.699 | $210.900 | $85.842.199 |
| 54 | $533.599 | $321.908 | $211.691 | $85.630.508 |
| 55 | $533.599 | $321.114 | $212.485 | $85.418.023 |
| 56 | $533.599 | $320.318 | $213.282 | $85.204.742 |
| 57 | $533.599 | $319.518 | $214.081 | $84.990.660 |
| 58 | $533.599 | $318.715 | $214.884 | $84.775.776 |
| 59 | $533.599 | $317.909 | $215.690 | $84.560.086 |
| 60 | $533.599 | $317.100 | $216.499 | $84.343.587 |
| 61 | $533.599 | $316.288 | $217.311 | $84.126.276 |
| 62 | $533.599 | $315.474 | $218.126 | $83.908.151 |
| 63 | $533.599 | $314.656 | $218.944 | $83.689.207 |
| 64 | $533.599 | $313.835 | $219.765 | $83.469.443 |
| 65 | $533.599 | $313.010 | $220.589 | $83.248.854 |
| 66 | $533.599 | $312.183 | $221.416 | $83.027.438 |
| 67 | $533.599 | $311.353 | $222.246 | $82.805.192 |
| 68 | $533.599 | $310.519 | $223.080 | $82.582.112 |
| 69 | $533.599 | $309.683 | $223.916 | $82.358.196 |
| 70 | $533.599 | $308.843 | $224.756 | $82.133.440 |
| 71 | $533.599 | $308.000 | $225.599 | $81.907.841 |
| 72 | $533.599 | $307.154 | $226.445 | $81.681.396 |
| 73 | $533.599 | $306.305 | $227.294 | $81.454.102 |
| 74 | $533.599 | $305.453 | $228.146 | $81.225.956 |
| 75 | $533.599 | $304.597 | $229.002 | $80.996.954 |
| 76 | $533.599 | $303.739 | $229.861 | $80.767.093 |
| 77 | $533.599 | $302.877 | $230.723 | $80.536.371 |
| 78 | $533.599 | $302.011 | $231.588 | $80.304.783 |
| 79 | $533.599 | $301.143 | $232.456 | $80.072.327 |
| 80 | $533.599 | $300.271 | $233.328 | $79.838.999 |
| 81 | $533.599 | $299.396 | $234.203 | $79.604.796 |
| 82 | $533.599 | $298.518 | $235.081 | $79.369.715 |
| 83 | $533.599 | $297.636 | $235.963 | $79.133.752 |
| 84 | $533.599 | $296.752 | $236.848 | $78.896.904 |
| 85 | $533.599 | $295.863 | $237.736 | $78.659.169 |
| 86 | $533.599 | $294.972 | $238.627 | $78.420.541 |
| 87 | $533.599 | $294.077 | $239.522 | $78.181.019 |
| 88 | $533.599 | $293.179 | $240.420 | $77.940.599 |
| 89 | $533.599 | $292.277 | $241.322 | $77.699.277 |
| 90 | $533.599 | $291.372 | $242.227 | $77.457.050 |
| 91 | $533.599 | $290.464 | $243.135 | $77.213.915 |
| 92 | $533.599 | $289.552 | $244.047 | $76.969.868 |
| 93 | $533.599 | $288.637 | $244.962 | $76.724.905 |
| 94 | $533.599 | $287.718 | $245.881 | $76.479.025 |
| 95 | $533.599 | $286.796 | $246.803 | $76.232.222 |
| 96 | $533.599 | $285.871 | $247.728 | $75.984.494 |
| 97 | $533.599 | $284.942 | $248.657 | $75.735.836 |
| 98 | $533.599 | $284.009 | $249.590 | $75.486.246 |
| 99 | $533.599 | $283.073 | $250.526 | $75.235.721 |
| 100 | $533.599 | $282.134 | $251.465 | $74.984.255 |
| 101 | $533.599 | $281.191 | $252.408 | $74.731.847 |
| 102 | $533.599 | $280.244 | $253.355 | $74.478.492 |
| 103 | $533.599 | $279.294 | $254.305 | $74.224.188 |
| 104 | $533.599 | $278.341 | $255.258 | $73.968.929 |
| 105 | $533.599 | $277.383 | $256.216 | $73.712.713 |
| 106 | $533.599 | $276.423 | $257.177 | $73.455.537 |
| 107 | $533.599 | $275.458 | $258.141 | $73.197.396 |
| 108 | $533.599 | $274.490 | $259.109 | $72.938.287 |
| 109 | $533.599 | $273.519 | $260.081 | $72.678.206 |
| 110 | $533.599 | $272.543 | $261.056 | $72.417.151 |
| 111 | $533.599 | $271.564 | $262.035 | $72.155.116 |
| 112 | $533.599 | $270.582 | $263.018 | $71.892.098 |
| 113 | $533.599 | $269.595 | $264.004 | $71.628.094 |
| 114 | $533.599 | $268.605 | $264.994 | $71.363.101 |
| 115 | $533.599 | $267.612 | $265.988 | $71.097.113 |
| 116 | $533.599 | $266.614 | $266.985 | $70.830.128 |
| 117 | $533.599 | $265.613 | $267.986 | $70.562.142 |
| 118 | $533.599 | $264.608 | $268.991 | $70.293.151 |
| 119 | $533.599 | $263.599 | $270.000 | $70.023.151 |
| 120 | $533.599 | $262.587 | $271.012 | $69.752.138 |
| 121 | $533.599 | $261.571 | $272.029 | $69.480.110 |
| 122 | $533.599 | $260.550 | $273.049 | $69.207.061 |
| 123 | $533.599 | $259.526 | $274.073 | $68.932.988 |
| 124 | $533.599 | $258.499 | $275.100 | $68.657.888 |
| 125 | $533.599 | $257.467 | $276.132 | $68.381.756 |
| 126 | $533.599 | $256.432 | $277.168 | $68.104.588 |
| 127 | $533.599 | $255.392 | $278.207 | $67.826.381 |
| 128 | $533.599 | $254.349 | $279.250 | $67.547.131 |
| 129 | $533.599 | $253.302 | $280.297 | $67.266.833 |
| 130 | $533.599 | $252.251 | $281.349 | $66.985.485 |
| 131 | $533.599 | $251.196 | $282.404 | $66.703.081 |
| 132 | $533.599 | $250.137 | $283.463 | $66.419.619 |
| 133 | $533.599 | $249.074 | $284.526 | $66.135.093 |
| 134 | $533.599 | $248.007 | $285.593 | $65.849.500 |
| 135 | $533.599 | $246.936 | $286.664 | $65.562.837 |
| 136 | $533.599 | $245.861 | $287.739 | $65.275.098 |
| 137 | $533.599 | $244.782 | $288.818 | $64.986.281 |
| 138 | $533.599 | $243.699 | $289.901 | $64.696.380 |
| 139 | $533.599 | $242.611 | $290.988 | $64.405.392 |
| 140 | $533.599 | $241.520 | $292.079 | $64.113.313 |
| 141 | $533.599 | $240.425 | $293.174 | $63.820.139 |
| 142 | $533.599 | $239.326 | $294.274 | $63.525.866 |
| 143 | $533.599 | $238.222 | $295.377 | $63.230.488 |
| 144 | $533.599 | $237.114 | $296.485 | $62.934.004 |
| 145 | $533.599 | $236.003 | $297.597 | $62.636.407 |
| 146 | $533.599 | $234.887 | $298.713 | $62.337.694 |
| 147 | $533.599 | $233.766 | $299.833 | $62.037.861 |
| 148 | $533.599 | $232.642 | $300.957 | $61.736.904 |
| 149 | $533.599 | $231.513 | $302.086 | $61.434.818 |
| 150 | $533.599 | $230.381 | $303.219 | $61.131.600 |
| 151 | $533.599 | $229.244 | $304.356 | $60.827.244 |
| 152 | $533.599 | $228.102 | $305.497 | $60.521.747 |
| 153 | $533.599 | $226.957 | $306.643 | $60.215.104 |
| 154 | $533.599 | $225.807 | $307.793 | $59.907.312 |
| 155 | $533.599 | $224.652 | $308.947 | $59.598.365 |
| 156 | $533.599 | $223.494 | $310.105 | $59.288.260 |
| 157 | $533.599 | $222.331 | $311.268 | $58.976.992 |
| 158 | $533.599 | $221.164 | $312.435 | $58.664.556 |
| 159 | $533.599 | $219.992 | $313.607 | $58.350.949 |
| 160 | $533.599 | $218.816 | $314.783 | $58.036.166 |
| 161 | $533.599 | $217.636 | $315.964 | $57.720.202 |
| 162 | $533.599 | $216.451 | $317.148 | $57.403.054 |
| 163 | $533.599 | $215.261 | $318.338 | $57.084.716 |
| 164 | $533.599 | $214.068 | $319.531 | $56.765.185 |
| 165 | $533.599 | $212.869 | $320.730 | $56.444.455 |
| 166 | $533.599 | $211.667 | $321.932 | $56.122.523 |
| 167 | $533.599 | $210.459 | $323.140 | $55.799.383 |
| 168 | $533.599 | $209.248 | $324.351 | $55.475.031 |
| 169 | $533.599 | $208.031 | $325.568 | $55.149.464 |
| 170 | $533.599 | $206.810 | $326.789 | $54.822.675 |
| 171 | $533.599 | $205.585 | $328.014 | $54.494.661 |
| 172 | $533.599 | $204.355 | $329.244 | $54.165.416 |
| 173 | $533.599 | $203.120 | $330.479 | $53.834.938 |
| 174 | $533.599 | $201.881 | $331.718 | $53.503.219 |
| 175 | $533.599 | $200.637 | $332.962 | $53.170.257 |
| 176 | $533.599 | $199.388 | $334.211 | $52.836.047 |
| 177 | $533.599 | $198.135 | $335.464 | $52.500.583 |
| 178 | $533.599 | $196.877 | $336.722 | $52.163.861 |
| 179 | $533.599 | $195.614 | $337.985 | $51.825.876 |
| 180 | $533.599 | $194.347 | $339.252 | $51.486.624 |
| 181 | $533.599 | $193.075 | $340.524 | $51.146.099 |
| 182 | $533.599 | $191.798 | $341.801 | $50.804.298 |
| 183 | $533.599 | $190.516 | $343.083 | $50.461.215 |
| 184 | $533.599 | $189.230 | $344.370 | $50.116.845 |
| 185 | $533.599 | $187.938 | $345.661 | $49.771.184 |
| 186 | $533.599 | $186.642 | $346.957 | $49.424.227 |
| 187 | $533.599 | $185.341 | $348.258 | $49.075.969 |
| 188 | $533.599 | $184.035 | $349.564 | $48.726.405 |
| 189 | $533.599 | $182.724 | $350.875 | $48.375.529 |
| 190 | $533.599 | $181.408 | $352.191 | $48.023.338 |
| 191 | $533.599 | $180.088 | $353.512 | $47.669.827 |
| 192 | $533.599 | $178.762 | $354.837 | $47.314.989 |
| 193 | $533.599 | $177.431 | $356.168 | $46.958.822 |
| 194 | $533.599 | $176.096 | $357.504 | $46.601.318 |
| 195 | $533.599 | $174.755 | $358.844 | $46.242.474 |
| 196 | $533.599 | $173.409 | $360.190 | $45.882.284 |
| 197 | $533.599 | $172.059 | $361.541 | $45.520.743 |
| 198 | $533.599 | $170.703 | $362.896 | $45.157.847 |
| 199 | $533.599 | $169.342 | $364.257 | $44.793.590 |
| 200 | $533.599 | $167.976 | $365.623 | $44.427.966 |
| 201 | $533.599 | $166.605 | $366.994 | $44.060.972 |
| 202 | $533.599 | $165.229 | $368.371 | $43.692.601 |
| 203 | $533.599 | $163.847 | $369.752 | $43.322.850 |
| 204 | $533.599 | $162.461 | $371.138 | $42.951.711 |
| 205 | $533.599 | $161.069 | $372.530 | $42.579.181 |
| 206 | $533.599 | $159.672 | $373.927 | $42.205.254 |
| 207 | $533.599 | $158.270 | $375.329 | $41.829.924 |
| 208 | $533.599 | $156.862 | $376.737 | $41.453.187 |
| 209 | $533.599 | $155.449 | $378.150 | $41.075.037 |
| 210 | $533.599 | $154.031 | $379.568 | $40.695.470 |
| 211 | $533.599 | $152.608 | $380.991 | $40.314.478 |
| 212 | $533.599 | $151.179 | $382.420 | $39.932.058 |
| 213 | $533.599 | $149.745 | $383.854 | $39.548.205 |
| 214 | $533.599 | $148.306 | $385.293 | $39.162.911 |
| 215 | $533.599 | $146.861 | $386.738 | $38.776.173 |
| 216 | $533.599 | $145.411 | $388.189 | $38.387.984 |
| 217 | $533.599 | $143.955 | $389.644 | $37.998.340 |
| 218 | $533.599 | $142.494 | $391.105 | $37.607.235 |
| 219 | $533.599 | $141.027 | $392.572 | $37.214.663 |
| 220 | $533.599 | $139.555 | $394.044 | $36.820.618 |
| 221 | $533.599 | $138.077 | $395.522 | $36.425.097 |
| 222 | $533.599 | $136.594 | $397.005 | $36.028.092 |
| 223 | $533.599 | $135.105 | $398.494 | $35.629.598 |
| 224 | $533.599 | $133.611 | $399.988 | $35.229.609 |
| 225 | $533.599 | $132.111 | $401.488 | $34.828.121 |
| 226 | $533.599 | $130.605 | $402.994 | $34.425.128 |
| 227 | $533.599 | $129.094 | $404.505 | $34.020.623 |
| 228 | $533.599 | $127.577 | $406.022 | $33.614.601 |
| 229 | $533.599 | $126.055 | $407.544 | $33.207.056 |
| 230 | $533.599 | $124.526 | $409.073 | $32.797.984 |
| 231 | $533.599 | $122.992 | $410.607 | $32.387.377 |
| 232 | $533.599 | $121.453 | $412.147 | $31.975.230 |
| 233 | $533.599 | $119.907 | $413.692 | $31.561.538 |
| 234 | $533.599 | $118.356 | $415.243 | $31.146.295 |
| 235 | $533.599 | $116.799 | $416.801 | $30.729.494 |
| 236 | $533.599 | $115.236 | $418.364 | $30.311.131 |
| 237 | $533.599 | $113.667 | $419.932 | $29.891.198 |
| 238 | $533.599 | $112.092 | $421.507 | $29.469.691 |
| 239 | $533.599 | $110.511 | $423.088 | $29.046.603 |
| 240 | $533.599 | $108.925 | $424.674 | $28.621.929 |
| 241 | $533.599 | $107.332 | $426.267 | $28.195.662 |
| 242 | $533.599 | $105.734 | $427.865 | $27.767.797 |
| 243 | $533.599 | $104.129 | $429.470 | $27.338.327 |
| 244 | $533.599 | $102.519 | $431.080 | $26.907.246 |
| 245 | $533.599 | $100.902 | $432.697 | $26.474.549 |
| 246 | $533.599 | $99.280 | $434.320 | $26.040.229 |
| 247 | $533.599 | $97.651 | $435.948 | $25.604.281 |
| 248 | $533.599 | $96.016 | $437.583 | $25.166.698 |
| 249 | $533.599 | $94.375 | $439.224 | $24.727.474 |
| 250 | $533.599 | $92.728 | $440.871 | $24.286.603 |
| 251 | $533.599 | $91.075 | $442.524 | $23.844.078 |
| 252 | $533.599 | $89.415 | $444.184 | $23.399.895 |
| 253 | $533.599 | $87.750 | $445.850 | $22.954.045 |
| 254 | $533.599 | $86.078 | $447.522 | $22.506.523 |
| 255 | $533.599 | $84.399 | $449.200 | $22.057.324 |
| 256 | $533.599 | $82.715 | $450.884 | $21.606.439 |
| 257 | $533.599 | $81.024 | $452.575 | $21.153.864 |
| 258 | $533.599 | $79.327 | $454.272 | $20.699.592 |
| 259 | $533.599 | $77.623 | $455.976 | $20.243.617 |
| 260 | $533.599 | $75.914 | $457.686 | $19.785.931 |
| 261 | $533.599 | $74.197 | $459.402 | $19.326.529 |
| 262 | $533.599 | $72.474 | $461.125 | $18.865.404 |
| 263 | $533.599 | $70.745 | $462.854 | $18.402.550 |
| 264 | $533.599 | $69.010 | $464.590 | $17.937.961 |
| 265 | $533.599 | $67.267 | $466.332 | $17.471.629 |
| 266 | $533.599 | $65.519 | $468.081 | $17.003.548 |
| 267 | $533.599 | $63.763 | $469.836 | $16.533.712 |
| 268 | $533.599 | $62.001 | $471.598 | $16.062.115 |
| 269 | $533.599 | $60.233 | $473.366 | $15.588.748 |
| 270 | $533.599 | $58.458 | $475.141 | $15.113.607 |
| 271 | $533.599 | $56.676 | $476.923 | $14.636.684 |
| 272 | $533.599 | $54.888 | $478.712 | $14.157.972 |
| 273 | $533.599 | $53.092 | $480.507 | $13.677.466 |
| 274 | $533.599 | $51.291 | $482.309 | $13.195.157 |
| 275 | $533.599 | $49.482 | $484.117 | $12.711.040 |
| 276 | $533.599 | $47.666 | $485.933 | $12.225.107 |
| 277 | $533.599 | $45.844 | $487.755 | $11.737.352 |
| 278 | $533.599 | $44.015 | $489.584 | $11.247.768 |
| 279 | $533.599 | $42.179 | $491.420 | $10.756.348 |
| 280 | $533.599 | $40.336 | $493.263 | $10.263.085 |
| 281 | $533.599 | $38.487 | $495.113 | $9.767.972 |
| 282 | $533.599 | $36.630 | $496.969 | $9.271.003 |
| 283 | $533.599 | $34.766 | $498.833 | $8.772.170 |
| 284 | $533.599 | $32.896 | $500.704 | $8.271.466 |
| 285 | $533.599 | $31.018 | $502.581 | $7.768.885 |
| 286 | $533.599 | $29.133 | $504.466 | $7.264.419 |
| 287 | $533.599 | $27.242 | $506.358 | $6.758.062 |
| 288 | $533.599 | $25.343 | $508.256 | $6.249.805 |
| 289 | $533.599 | $23.437 | $510.162 | $5.739.643 |
| 290 | $533.599 | $21.524 | $512.076 | $5.227.567 |
| 291 | $533.599 | $19.603 | $513.996 | $4.713.572 |
| 292 | $533.599 | $17.676 | $515.923 | $4.197.648 |
| 293 | $533.599 | $15.741 | $517.858 | $3.679.790 |
| 294 | $533.599 | $13.799 | $519.800 | $3.159.990 |
| 295 | $533.599 | $11.850 | $521.749 | $2.638.241 |
| 296 | $533.599 | $9.893 | $523.706 | $2.114.535 |
| 297 | $533.599 | $7.930 | $525.670 | $1.588.866 |
| 298 | $533.599 | $5.958 | $527.641 | $1.061.225 |
| 299 | $533.599 | $3.980 | $529.620 | $531.605 |
| 300 | $533.599 | $1.994 | $531.605 | $0 |
Fórmula
financiado = precio − enganche; mensualidad = P × i / (1 − (1+i)^(−n))
Ejemplo
Vivienda a 25 años
Vivienda de 120.000.000 CLP con 24.000.000 CLP de pie al 4,5 % anual a 25 años.
Explicación
Resta el enganche al precio del inmueble y amortiza el capital con mensualidad constante (sistema francés). Los gastos opcionales se suman al costo total. Los resultados no son CAT.
Preguntas frecuentes
¿Cómo se calcula el monto financiado?
Es el precio del inmueble menos el enganche. Sobre ese capital se calcula la mensualidad con amortización francesa.
¿El resultado es el CAT?
No. Los resultados son orientativos y no constituyen CAT, oferta vinculante ni consejo financiero. Verifica siempre con tu institución.
Disclaimer
Esta calculadora no calcula CAT. Usa una tasa nominal simplificada; impuestos, seguros y comisiones reales pueden diferir.
Calculadoras relacionadas
Los resultados son orientativos y no constituyen asesoramiento financiero, fiscal ni de inversión.