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CalculaSimpleby QuantiSentry

Hipoteca / crédito hipotecario

Estima la mensualidad hipotecaria y el cuadro de amortización a partir del precio y el enganche.

Revisado: 2026-09-21

Notaría, impuestos u otros gastos que se suman al coste total (orientativo).

Resultado

Cuota mensual

$ 2.697.661

Importe financiado
$ 245.000.000
Intereses totales
$ 402.438.644
Costo total
$ 752.438.644
Precio del inmueble
$ 350.000.000
Cuota inicial
$ 105.000.000
Gastos opcionales
$ 0

Desglose

Tabla de amortización

PeriodoCuotaInteresesCapitalSaldo
1$ 2.697.661$ 2.450.000$ 247.661$ 244.752.339
2$ 2.697.661$ 2.447.523$ 250.138$ 244.502.201
3$ 2.697.661$ 2.445.022$ 252.639$ 244.249.562
4$ 2.697.661$ 2.442.496$ 255.165$ 243.994.397
5$ 2.697.661$ 2.439.944$ 257.717$ 243.736.680
6$ 2.697.661$ 2.437.367$ 260.294$ 243.476.386
7$ 2.697.661$ 2.434.764$ 262.897$ 243.213.488
8$ 2.697.661$ 2.432.135$ 265.526$ 242.947.962
9$ 2.697.661$ 2.429.480$ 268.181$ 242.679.781
10$ 2.697.661$ 2.426.798$ 270.863$ 242.408.918
11$ 2.697.661$ 2.424.089$ 273.572$ 242.135.346
12$ 2.697.661$ 2.421.353$ 276.308$ 241.859.038
13$ 2.697.661$ 2.418.590$ 279.071$ 241.579.968
14$ 2.697.661$ 2.415.800$ 281.861$ 241.298.106
15$ 2.697.661$ 2.412.981$ 284.680$ 241.013.426
16$ 2.697.661$ 2.410.134$ 287.527$ 240.725.900
17$ 2.697.661$ 2.407.259$ 290.402$ 240.435.497
18$ 2.697.661$ 2.404.355$ 293.306$ 240.142.191
19$ 2.697.661$ 2.401.422$ 296.239$ 239.845.952
20$ 2.697.661$ 2.398.460$ 299.202$ 239.546.751
21$ 2.697.661$ 2.395.468$ 302.194$ 239.244.557
22$ 2.697.661$ 2.392.446$ 305.215$ 238.939.342
23$ 2.697.661$ 2.389.393$ 308.268$ 238.631.074
24$ 2.697.661$ 2.386.311$ 311.350$ 238.319.724
25$ 2.697.661$ 2.383.197$ 314.464$ 238.005.260
26$ 2.697.661$ 2.380.053$ 317.608$ 237.687.652
27$ 2.697.661$ 2.376.877$ 320.785$ 237.366.867
28$ 2.697.661$ 2.373.669$ 323.992$ 237.042.875
29$ 2.697.661$ 2.370.429$ 327.232$ 236.715.643
30$ 2.697.661$ 2.367.156$ 330.505$ 236.385.138
31$ 2.697.661$ 2.363.851$ 333.810$ 236.051.328
32$ 2.697.661$ 2.360.513$ 337.148$ 235.714.181
33$ 2.697.661$ 2.357.142$ 340.519$ 235.373.661
34$ 2.697.661$ 2.353.737$ 343.924$ 235.029.737
35$ 2.697.661$ 2.350.297$ 347.364$ 234.682.373
36$ 2.697.661$ 2.346.824$ 350.837$ 234.331.536
37$ 2.697.661$ 2.343.315$ 354.346$ 233.977.190
38$ 2.697.661$ 2.339.772$ 357.889$ 233.619.301
39$ 2.697.661$ 2.336.193$ 361.468$ 233.257.833
40$ 2.697.661$ 2.332.578$ 365.083$ 232.892.750
41$ 2.697.661$ 2.328.928$ 368.734$ 232.524.017
42$ 2.697.661$ 2.325.240$ 372.421$ 232.151.596
43$ 2.697.661$ 2.321.516$ 376.145$ 231.775.451
44$ 2.697.661$ 2.317.755$ 379.907$ 231.395.544
45$ 2.697.661$ 2.313.955$ 383.706$ 231.011.839
46$ 2.697.661$ 2.310.118$ 387.543$ 230.624.296
47$ 2.697.661$ 2.306.243$ 391.418$ 230.232.878
48$ 2.697.661$ 2.302.329$ 395.332$ 229.837.546
49$ 2.697.661$ 2.298.375$ 399.286$ 229.438.260
50$ 2.697.661$ 2.294.383$ 403.278$ 229.034.982
51$ 2.697.661$ 2.290.350$ 407.311$ 228.627.671
52$ 2.697.661$ 2.286.277$ 411.384$ 228.216.286
53$ 2.697.661$ 2.282.163$ 415.498$ 227.800.788
54$ 2.697.661$ 2.278.008$ 419.653$ 227.381.135
55$ 2.697.661$ 2.273.811$ 423.850$ 226.957.285
56$ 2.697.661$ 2.269.573$ 428.088$ 226.529.197
57$ 2.697.661$ 2.265.292$ 432.369$ 226.096.828
58$ 2.697.661$ 2.260.968$ 436.693$ 225.660.135
59$ 2.697.661$ 2.256.601$ 441.060$ 225.219.076
60$ 2.697.661$ 2.252.191$ 445.470$ 224.773.605
61$ 2.697.661$ 2.247.736$ 449.925$ 224.323.680
62$ 2.697.661$ 2.243.237$ 454.424$ 223.869.256
63$ 2.697.661$ 2.238.693$ 458.968$ 223.410.288
64$ 2.697.661$ 2.234.103$ 463.558$ 222.946.730
65$ 2.697.661$ 2.229.467$ 468.194$ 222.478.536
66$ 2.697.661$ 2.224.785$ 472.876$ 222.005.660
67$ 2.697.661$ 2.220.057$ 477.604$ 221.528.056
68$ 2.697.661$ 2.215.281$ 482.380$ 221.045.675
69$ 2.697.661$ 2.210.457$ 487.204$ 220.558.471
70$ 2.697.661$ 2.205.585$ 492.076$ 220.066.395
71$ 2.697.661$ 2.200.664$ 496.997$ 219.569.398
72$ 2.697.661$ 2.195.694$ 501.967$ 219.067.431
73$ 2.697.661$ 2.190.674$ 506.987$ 218.560.444
74$ 2.697.661$ 2.185.604$ 512.057$ 218.048.387
75$ 2.697.661$ 2.180.484$ 517.177$ 217.531.210
76$ 2.697.661$ 2.175.312$ 522.349$ 217.008.861
77$ 2.697.661$ 2.170.089$ 527.572$ 216.481.289
78$ 2.697.661$ 2.164.813$ 532.848$ 215.948.441
79$ 2.697.661$ 2.159.484$ 538.177$ 215.410.264
80$ 2.697.661$ 2.154.103$ 543.558$ 214.866.706
81$ 2.697.661$ 2.148.667$ 548.994$ 214.317.712
82$ 2.697.661$ 2.143.177$ 554.484$ 213.763.228
83$ 2.697.661$ 2.137.632$ 560.029$ 213.203.199
84$ 2.697.661$ 2.132.032$ 565.629$ 212.637.570
85$ 2.697.661$ 2.126.376$ 571.285$ 212.066.285
86$ 2.697.661$ 2.120.663$ 576.998$ 211.489.286
87$ 2.697.661$ 2.114.893$ 582.768$ 210.906.518
88$ 2.697.661$ 2.109.065$ 588.596$ 210.317.922
89$ 2.697.661$ 2.103.179$ 594.482$ 209.723.441
90$ 2.697.661$ 2.097.234$ 600.427$ 209.123.014
91$ 2.697.661$ 2.091.230$ 606.431$ 208.516.583
92$ 2.697.661$ 2.085.166$ 612.495$ 207.904.088
93$ 2.697.661$ 2.079.041$ 618.620$ 207.285.468
94$ 2.697.661$ 2.072.855$ 624.806$ 206.660.661
95$ 2.697.661$ 2.066.607$ 631.054$ 206.029.607
96$ 2.697.661$ 2.060.296$ 637.365$ 205.392.242
97$ 2.697.661$ 2.053.922$ 643.739$ 204.748.503
98$ 2.697.661$ 2.047.485$ 650.176$ 204.098.327
99$ 2.697.661$ 2.040.983$ 656.678$ 203.441.650
100$ 2.697.661$ 2.034.417$ 663.245$ 202.778.405
101$ 2.697.661$ 2.027.784$ 669.877$ 202.108.528
102$ 2.697.661$ 2.021.085$ 676.576$ 201.431.952
103$ 2.697.661$ 2.014.320$ 683.342$ 200.748.611
104$ 2.697.661$ 2.007.486$ 690.175$ 200.058.436
105$ 2.697.661$ 2.000.584$ 697.077$ 199.361.359
106$ 2.697.661$ 1.993.614$ 704.047$ 198.657.312
107$ 2.697.661$ 1.986.573$ 711.088$ 197.946.224
108$ 2.697.661$ 1.979.462$ 718.199$ 197.228.025
109$ 2.697.661$ 1.972.280$ 725.381$ 196.502.644
110$ 2.697.661$ 1.965.026$ 732.635$ 195.770.010
111$ 2.697.661$ 1.957.700$ 739.961$ 195.030.049
112$ 2.697.661$ 1.950.300$ 747.361$ 194.282.688
113$ 2.697.661$ 1.942.827$ 754.834$ 193.527.854
114$ 2.697.661$ 1.935.279$ 762.382$ 192.765.472
115$ 2.697.661$ 1.927.655$ 770.006$ 191.995.465
116$ 2.697.661$ 1.919.955$ 777.706$ 191.217.759
117$ 2.697.661$ 1.912.178$ 785.483$ 190.432.276
118$ 2.697.661$ 1.904.323$ 793.338$ 189.638.937
119$ 2.697.661$ 1.896.389$ 801.272$ 188.837.666
120$ 2.697.661$ 1.888.377$ 809.284$ 188.028.381
121$ 2.697.661$ 1.880.284$ 817.377$ 187.211.004
122$ 2.697.661$ 1.872.110$ 825.551$ 186.385.453
123$ 2.697.661$ 1.863.855$ 833.807$ 185.551.646
124$ 2.697.661$ 1.855.516$ 842.145$ 184.709.502
125$ 2.697.661$ 1.847.095$ 850.566$ 183.858.936
126$ 2.697.661$ 1.838.589$ 859.072$ 182.999.864
127$ 2.697.661$ 1.829.999$ 867.662$ 182.132.202
128$ 2.697.661$ 1.821.322$ 876.339$ 181.255.863
129$ 2.697.661$ 1.812.559$ 885.102$ 180.370.760
130$ 2.697.661$ 1.803.708$ 893.953$ 179.476.807
131$ 2.697.661$ 1.794.768$ 902.893$ 178.573.914
132$ 2.697.661$ 1.785.739$ 911.922$ 177.661.992
133$ 2.697.661$ 1.776.620$ 921.041$ 176.740.951
134$ 2.697.661$ 1.767.410$ 930.252$ 175.810.700
135$ 2.697.661$ 1.758.107$ 939.554$ 174.871.146
136$ 2.697.661$ 1.748.711$ 948.950$ 173.922.196
137$ 2.697.661$ 1.739.222$ 958.439$ 172.963.757
138$ 2.697.661$ 1.729.638$ 968.023$ 171.995.733
139$ 2.697.661$ 1.719.957$ 977.704$ 171.018.030
140$ 2.697.661$ 1.710.180$ 987.481$ 170.030.549
141$ 2.697.661$ 1.700.305$ 997.356$ 169.033.193
142$ 2.697.661$ 1.690.332$ 1.007.329$ 168.025.864
143$ 2.697.661$ 1.680.259$ 1.017.402$ 167.008.462
144$ 2.697.661$ 1.670.085$ 1.027.576$ 165.980.886
145$ 2.697.661$ 1.659.809$ 1.037.852$ 164.943.033
146$ 2.697.661$ 1.649.430$ 1.048.231$ 163.894.803
147$ 2.697.661$ 1.638.948$ 1.058.713$ 162.836.090
148$ 2.697.661$ 1.628.361$ 1.069.300$ 161.766.790
149$ 2.697.661$ 1.617.668$ 1.079.993$ 160.686.796
150$ 2.697.661$ 1.606.868$ 1.090.793$ 159.596.003
151$ 2.697.661$ 1.595.960$ 1.101.701$ 158.494.302
152$ 2.697.661$ 1.584.943$ 1.112.718$ 157.381.584
153$ 2.697.661$ 1.573.816$ 1.123.845$ 156.257.739
154$ 2.697.661$ 1.562.577$ 1.135.084$ 155.122.655
155$ 2.697.661$ 1.551.227$ 1.146.434$ 153.976.221
156$ 2.697.661$ 1.539.762$ 1.157.899$ 152.818.322
157$ 2.697.661$ 1.528.183$ 1.169.478$ 151.648.844
158$ 2.697.661$ 1.516.488$ 1.181.173$ 150.467.672
159$ 2.697.661$ 1.504.677$ 1.192.984$ 149.274.687
160$ 2.697.661$ 1.492.747$ 1.204.914$ 148.069.773
161$ 2.697.661$ 1.480.698$ 1.216.963$ 146.852.810
162$ 2.697.661$ 1.468.528$ 1.229.133$ 145.623.677
163$ 2.697.661$ 1.456.237$ 1.241.424$ 144.382.253
164$ 2.697.661$ 1.443.823$ 1.253.839$ 143.128.414
165$ 2.697.661$ 1.431.284$ 1.266.377$ 141.862.037
166$ 2.697.661$ 1.418.620$ 1.279.041$ 140.582.997
167$ 2.697.661$ 1.405.830$ 1.291.831$ 139.291.166
168$ 2.697.661$ 1.392.912$ 1.304.749$ 137.986.416
169$ 2.697.661$ 1.379.864$ 1.317.797$ 136.668.619
170$ 2.697.661$ 1.366.686$ 1.330.975$ 135.337.645
171$ 2.697.661$ 1.353.376$ 1.344.285$ 133.993.360
172$ 2.697.661$ 1.339.934$ 1.357.727$ 132.635.633
173$ 2.697.661$ 1.326.356$ 1.371.305$ 131.264.328
174$ 2.697.661$ 1.312.643$ 1.385.018$ 129.879.310
175$ 2.697.661$ 1.298.793$ 1.398.868$ 128.480.442
176$ 2.697.661$ 1.284.804$ 1.412.857$ 127.067.586
177$ 2.697.661$ 1.270.676$ 1.426.985$ 125.640.600
178$ 2.697.661$ 1.256.406$ 1.441.255$ 124.199.345
179$ 2.697.661$ 1.241.993$ 1.455.668$ 122.743.678
180$ 2.697.661$ 1.227.437$ 1.470.224$ 121.273.454
181$ 2.697.661$ 1.212.735$ 1.484.926$ 119.788.527
182$ 2.697.661$ 1.197.885$ 1.499.776$ 118.288.751
183$ 2.697.661$ 1.182.888$ 1.514.774$ 116.773.978
184$ 2.697.661$ 1.167.740$ 1.529.921$ 115.244.057
185$ 2.697.661$ 1.152.441$ 1.545.220$ 113.698.836
186$ 2.697.661$ 1.136.988$ 1.560.673$ 112.138.163
187$ 2.697.661$ 1.121.382$ 1.576.279$ 110.561.884
188$ 2.697.661$ 1.105.619$ 1.592.042$ 108.969.842
189$ 2.697.661$ 1.089.698$ 1.607.963$ 107.361.879
190$ 2.697.661$ 1.073.619$ 1.624.042$ 105.737.837
191$ 2.697.661$ 1.057.378$ 1.640.283$ 104.097.554
192$ 2.697.661$ 1.040.976$ 1.656.685$ 102.440.869
193$ 2.697.661$ 1.024.409$ 1.673.252$ 100.767.617
194$ 2.697.661$ 1.007.676$ 1.689.985$ 99.077.632
195$ 2.697.661$ 990.776$ 1.706.885$ 97.370.747
196$ 2.697.661$ 973.707$ 1.723.954$ 95.646.793
197$ 2.697.661$ 956.468$ 1.741.193$ 93.905.600
198$ 2.697.661$ 939.056$ 1.758.605$ 92.146.995
199$ 2.697.661$ 921.470$ 1.776.191$ 90.370.804
200$ 2.697.661$ 903.708$ 1.793.953$ 88.576.851
201$ 2.697.661$ 885.769$ 1.811.893$ 86.764.959
202$ 2.697.661$ 867.650$ 1.830.011$ 84.934.947
203$ 2.697.661$ 849.349$ 1.848.312$ 83.086.636
204$ 2.697.661$ 830.866$ 1.866.795$ 81.219.841
205$ 2.697.661$ 812.198$ 1.885.463$ 79.334.378
206$ 2.697.661$ 793.344$ 1.904.317$ 77.430.061
207$ 2.697.661$ 774.301$ 1.923.360$ 75.506.701
208$ 2.697.661$ 755.067$ 1.942.594$ 73.564.107
209$ 2.697.661$ 735.641$ 1.962.020$ 71.602.087
210$ 2.697.661$ 716.021$ 1.981.640$ 69.620.447
211$ 2.697.661$ 696.204$ 2.001.457$ 67.618.990
212$ 2.697.661$ 676.190$ 2.021.471$ 65.597.519
213$ 2.697.661$ 655.975$ 2.041.686$ 63.555.833
214$ 2.697.661$ 635.558$ 2.062.103$ 61.493.730
215$ 2.697.661$ 614.937$ 2.082.724$ 59.411.007
216$ 2.697.661$ 594.110$ 2.103.551$ 57.307.456
217$ 2.697.661$ 573.075$ 2.124.586$ 55.182.869
218$ 2.697.661$ 551.829$ 2.145.832$ 53.037.037
219$ 2.697.661$ 530.370$ 2.167.291$ 50.869.746
220$ 2.697.661$ 508.697$ 2.188.964$ 48.680.783
221$ 2.697.661$ 486.808$ 2.210.853$ 46.469.929
222$ 2.697.661$ 464.699$ 2.232.962$ 44.236.968
223$ 2.697.661$ 442.370$ 2.255.291$ 41.981.676
224$ 2.697.661$ 419.817$ 2.277.844$ 39.703.832
225$ 2.697.661$ 397.038$ 2.300.623$ 37.403.209
226$ 2.697.661$ 374.032$ 2.323.629$ 35.079.580
227$ 2.697.661$ 350.796$ 2.346.865$ 32.732.715
228$ 2.697.661$ 327.327$ 2.370.334$ 30.362.381
229$ 2.697.661$ 303.624$ 2.394.037$ 27.968.344
230$ 2.697.661$ 279.683$ 2.417.978$ 25.550.366
231$ 2.697.661$ 255.504$ 2.442.157$ 23.108.209
232$ 2.697.661$ 231.082$ 2.466.579$ 20.641.630
233$ 2.697.661$ 206.416$ 2.491.245$ 18.150.385
234$ 2.697.661$ 181.504$ 2.516.157$ 15.634.228
235$ 2.697.661$ 156.342$ 2.541.319$ 13.092.910
236$ 2.697.661$ 130.929$ 2.566.732$ 10.526.178
237$ 2.697.661$ 105.262$ 2.592.399$ 7.933.778
238$ 2.697.661$ 79.338$ 2.618.323$ 5.315.455
239$ 2.697.661$ 53.155$ 2.644.506$ 2.670.949
240$ 2.697.658$ 26.709$ 2.670.949$ 0

Fórmula

financiado = precio − enganche; mensualidad = P × i / (1 − (1+i)^(−n))

Ejemplo

  • Vivienda a 20 años

    Vivienda de 350.000.000 COP con 105.000.000 COP de cuota inicial al 12 % anual a 20 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.

Los resultados son orientativos y no constituyen asesoramiento financiero, fiscal ni de inversión.