How to Say "mortgage" in Spanish
The Spanish word for “mortgage” is “hipoteca” — B1 level. This is a very common word in everyday Spanish.
Examples
Tengo que pagar la hipoteca de mi casa cada mes.
I have to pay my house mortgage every month.
El banco nos dio una hipoteca con un interés muy bajo.
The bank gave us a mortgage with very low interest.
Es difícil conseguir una hipoteca si no tienes un trabajo estable.
It is difficult to get a mortgage if you don't have a stable job.
Gender and Articles
Since this word ends in 'a' and is feminine, you should always use 'la' or 'una' before it.
Verbs used with Hipoteca
To say 'to take out' a mortgage, Spanish speakers use the verb 'pedir' (to ask for) or 'contratar' (to hire/sign).
Apply vs. Pedir
Mistake: “Yo apliqué para una hipoteca.”
Correction: Pedí una hipoteca or Solicité una hipoteca. 'Aplicar' is a common error influenced by English; 'solicitar' or 'pedir' are more natural for applications.
Related Translations
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