préstamo hipotecario
/pɾestamo ipotekaɾjo/from spelling rules
The English phrase "mortgage loan" is translated into Spanish as préstamo hipotecario.
This phrase refers to a loan used to purchase a home or property where the property itself serves as collateral. You may also see synonyms like préstamo para vivienda, which translates to "home loan", used in similar contexts.
What does it mean word for word?
The phrase is composed of préstamo, meaning "loan" and hipotecario, meaning "mortgage-related" or "hypothecary".
Which one should you use?
While préstamo hipotecario is a standard way to express the concept, speakers often use the shorter noun hipoteca (mortgage) when discussing the debt itself. Additionally, crédito hipotecario is a formal phrase used specifically to emphasize the credit aspect of the loan.
How does it change in a sentence?
To form the plural préstamos hipotecarios (mortgage loans), both the noun préstamo and the adjective hipotecario must take the plural suffix '-s'.
How do you pronounce it?
/pɾestamo ipotekaɾjo/
Did you know?
- The English word 'mortgage' comes from Old French meaning 'dead pledge', but the Spanish hipoteca traces back to the Greek word 'hypotheke', which means 'a deposit' or 'a placing underneath'.
- In some Spanish-speaking countries, the process of finalizing a préstamo hipotecario involves a Notario, a legal official with far more power and authority than a typical notary public in English-speaking countries.
- In Spanish, the verb hipotecar is often used metaphorically to describe sacrificing one's future or risking everything for a present goal.
Examples in context
- Estoy considerando solicitar un préstamo hipotecario para comprar una casa.I'm considering applying for a mortgage loan to buy a house.
- Los pagos mensuales de la hipoteca para mi nuevo apartamento son bastante razonables.The monthly mortgage payments for my new apartment are quite reasonable.
- Mi tío me ofreció prestarme el dinero para la hipoteca sin intereses.My uncle offered to lend me the money for the mortgage interest-free.
- Necesito un préstamo hipotecario para comprar la casa.I need a mortgage loan to buy the house.
- El banco aprobó mi préstamo hipotecario ayer.The bank approved my mortgage loan yesterday.
- Busco un préstamo hipotecario con una tasa baja.I am looking for a mortgage loan with a low rate.
Example conversation
Daniel and Lucía are discussing their finances while looking at real estate listings.
- Daniel¿Ya hablaste con el banco sobre el préstamo hipotecario?Have you already spoken with the bank about the mortgage loan?
- LucíaSí, Daniel, ellos me dieron todas las condiciones.Yes, Daniel, they gave me all the terms.
- DanielEso es una excelente noticia para nosotros.That is excellent news for us.
- LucíaAhora podemos elegir el apartamento que nos gusta.Now we can choose the apartment we like.
Sources
- IPA marked “from spelling rules” is derived from standard Spanish spelling, where Wiktionary gives none.
- Word origins: Wiktionary entries hipotecario, préstamo, CC BY-SA 4.0.
