Propuesta de financiamiento
Preparada para Francisco Jiménez · 14 de octubre de 2026
Marco Rubén Carrillo Arellano · Asesor financiero · 55 1950 2742
Vigencia de esta propuesta: hasta el 29 de octubre de 2026
Nota importante: esta propuesta es una estimación. Los montos, tasas y mensualidades que ves aquí no son definitivos: se confirman hasta revisar tus documentos y realizar tu estudio económico. Las tasas pueden variar según la institución y las condiciones del mercado.
Monto solicitado5.0 MDP
Plazo10 años (120 meses)
GarantíaTerreno de 1,000 m²Valor estimado: 6.0 MDP a 7.0 MDP
Tu monto vs. el valor del terreno71 % a 83 %
Lo más importante
- Con solo el terreno como garantía, lo normal es que bancos y fondos presten entre 50 % y 70 % del valor que determine el avalúo, es decir, aproximadamente 3.6 MDP a 4.2 MDP, tomando el valor más conservador.
- Para llegar a los 5.0 MDP completos, se necesita sumar otra garantía, un aval o ingresos comprobables que respalden la diferencia.
- La mensualidad estimada va de $69,572 (banca, 3.6 MDP) a $110,240 (5.0 MDP con fondo o crédito privado).
Escenarios a 10 años (pagos mensuales fijos)
| Opción | Monto | Tasa anual | Mensualidad | Total a pagar | Intereses | Ingreso mensual sugerido* | |
|---|---|---|---|---|---|---|---|
| A | Banca (crédito simple con garantía hipotecaria) Máximo alcanzable solo con el terreno (60 % del valor más conservador). |
$3,600,000 | 20 % | $69,572 | $8,348,645 | $4,748,645 | $198,777 |
| B | Fondo / crédito privado con garantía hipotecaria Mayor porcentaje de garantía, tasa más alta y trámite más ágil. |
$4,200,000 | 24 % | $92,602 | $11,112,241 | $6,912,241 | $264,577 |
| C | Monto completo de 5 MDP (requiere garantía adicional) Para llegar a 5 MDP hace falta sumar otra garantía, aval o flujo comprobable. |
$5,000,000 | 24 % | $110,240 | $13,228,858 | $8,228,858 | $314,973 |
* Referencia conservadora: que la mensualidad no pase de 35 % del ingreso mensual comprobable.
¿Y si la tasa cambia? Mensualidad según la tasa
| Tasa anual | 3.6 MDP | 4.2 MDP | 5.0 MDP |
|---|---|---|---|
| 17.5 % | $63,712 | $74,331 | $88,489 |
| 20.0 % | $69,572 | $81,167 | $96,628 |
| 22.0 % | $74,411 | $86,813 | $103,348 |
| 24.0 % | $79,373 | $92,602 | $110,240 |
| 26.0 % | $84,449 | $98,524 | $117,290 |
Costos de contratación (estimados sobre 5.0 MDP)
| Concepto | Estimado |
|---|---|
| Comisión por apertura (alrededor de 2 %) | $100,000 |
| Avalúo comercial del terreno (con IVA) | $14,500 |
| Notaría, registro público e impuestos de la garantía (alrededor de 2 %) | $100,000 |
| Total aproximado | $214,500 |
Cómo se va pagando el crédito
Opción A: 3.6 MDP al 20 % (banca)
| Año | Pagos del año | Intereses | Capital | Saldo al cierre |
|---|---|---|---|---|
| 1 | $834,865 | $708,863 | $126,001 | $3,473,999 |
| 2 | $834,865 | $681,220 | $153,645 | $3,320,354 |
| 3 | $834,865 | $647,511 | $187,353 | $3,133,001 |
| 4 | $834,865 | $606,408 | $228,457 | $2,904,544 |
| 5 | $834,865 | $556,286 | $278,578 | $2,625,966 |
| 6 | $834,865 | $495,169 | $339,696 | $2,286,271 |
| 7 | $834,865 | $420,643 | $414,222 | $1,872,049 |
| 8 | $834,865 | $329,766 | $505,098 | $1,366,950 |
| 9 | $834,865 | $218,952 | $615,912 | $751,038 |
| 10 | $834,865 | $83,826 | $751,038 | $0 |
Ver los 120 pagos mes por mes
| Mes | Pago mensual | Intereses | Capital | Saldo |
|---|---|---|---|---|
| 1 | $69,572 | $60,000 | $9,572 | $3,590,428 |
| 2 | $69,572 | $59,840 | $9,732 | $3,580,696 |
| 3 | $69,572 | $59,678 | $9,894 | $3,570,803 |
| 4 | $69,572 | $59,513 | $10,059 | $3,560,744 |
| 5 | $69,572 | $59,346 | $10,226 | $3,550,518 |
| 6 | $69,572 | $59,175 | $10,397 | $3,540,121 |
| 7 | $69,572 | $59,002 | $10,570 | $3,529,551 |
| 8 | $69,572 | $58,826 | $10,746 | $3,518,805 |
| 9 | $69,572 | $58,647 | $10,925 | $3,507,879 |
| 10 | $69,572 | $58,465 | $11,107 | $3,496,772 |
| 11 | $69,572 | $58,280 | $11,293 | $3,485,479 |
| 12 | $69,572 | $58,091 | $11,481 | $3,473,999 |
| 13 | $69,572 | $57,900 | $11,672 | $3,462,327 |
| 14 | $69,572 | $57,705 | $11,867 | $3,450,460 |
| 15 | $69,572 | $57,508 | $12,064 | $3,438,396 |
| 16 | $69,572 | $57,307 | $12,265 | $3,426,130 |
| 17 | $69,572 | $57,102 | $12,470 | $3,413,660 |
| 18 | $69,572 | $56,894 | $12,678 | $3,400,983 |
| 19 | $69,572 | $56,683 | $12,889 | $3,388,094 |
| 20 | $69,572 | $56,468 | $13,104 | $3,374,990 |
| 21 | $69,572 | $56,250 | $13,322 | $3,361,668 |
| 22 | $69,572 | $56,028 | $13,544 | $3,348,123 |
| 23 | $69,572 | $55,802 | $13,770 | $3,334,353 |
| 24 | $69,572 | $55,573 | $13,999 | $3,320,354 |
| 25 | $69,572 | $55,339 | $14,233 | $3,306,121 |
| 26 | $69,572 | $55,102 | $14,470 | $3,291,651 |
| 27 | $69,572 | $54,861 | $14,711 | $3,276,940 |
| 28 | $69,572 | $54,616 | $14,956 | $3,261,984 |
| 29 | $69,572 | $54,366 | $15,206 | $3,246,778 |
| 30 | $69,572 | $54,113 | $15,459 | $3,231,319 |
| 31 | $69,572 | $53,855 | $15,717 | $3,215,602 |
| 32 | $69,572 | $53,593 | $15,979 | $3,199,623 |
| 33 | $69,572 | $53,327 | $16,245 | $3,183,378 |
| 34 | $69,572 | $53,056 | $16,516 | $3,166,863 |
| 35 | $69,572 | $52,781 | $16,791 | $3,150,072 |
| 36 | $69,572 | $52,501 | $17,071 | $3,133,001 |
| 37 | $69,572 | $52,217 | $17,355 | $3,115,646 |
| 38 | $69,572 | $51,927 | $17,645 | $3,098,001 |
| 39 | $69,572 | $51,633 | $17,939 | $3,080,062 |
| 40 | $69,572 | $51,334 | $18,238 | $3,061,825 |
| 41 | $69,572 | $51,030 | $18,542 | $3,043,283 |
| 42 | $69,572 | $50,721 | $18,851 | $3,024,432 |
| 43 | $69,572 | $50,407 | $19,165 | $3,005,267 |
| 44 | $69,572 | $50,088 | $19,484 | $2,985,783 |
| 45 | $69,572 | $49,763 | $19,809 | $2,965,974 |
| 46 | $69,572 | $49,433 | $20,139 | $2,945,835 |
| 47 | $69,572 | $49,097 | $20,475 | $2,925,360 |
| 48 | $69,572 | $48,756 | $20,816 | $2,904,544 |
| 49 | $69,572 | $48,409 | $21,163 | $2,883,381 |
| 50 | $69,572 | $48,056 | $21,516 | $2,861,866 |
| 51 | $69,572 | $47,698 | $21,874 | $2,839,991 |
| 52 | $69,572 | $47,333 | $22,239 | $2,817,752 |
| 53 | $69,572 | $46,963 | $22,610 | $2,795,143 |
| 54 | $69,572 | $46,586 | $22,986 | $2,772,157 |
| 55 | $69,572 | $46,203 | $23,369 | $2,748,787 |
| 56 | $69,572 | $45,813 | $23,759 | $2,725,028 |
| 57 | $69,572 | $45,417 | $24,155 | $2,700,873 |
| 58 | $69,572 | $45,015 | $24,557 | $2,676,316 |
| 59 | $69,572 | $44,605 | $24,967 | $2,651,349 |
| 60 | $69,572 | $44,189 | $25,383 | $2,625,966 |
| 61 | $69,572 | $43,766 | $25,806 | $2,600,160 |
| 62 | $69,572 | $43,336 | $26,236 | $2,573,924 |
| 63 | $69,572 | $42,899 | $26,673 | $2,547,251 |
| 64 | $69,572 | $42,454 | $27,118 | $2,520,133 |
| 65 | $69,572 | $42,002 | $27,570 | $2,492,563 |
| 66 | $69,572 | $41,543 | $28,029 | $2,464,534 |
| 67 | $69,572 | $41,076 | $28,496 | $2,436,037 |
| 68 | $69,572 | $40,601 | $28,971 | $2,407,066 |
| 69 | $69,572 | $40,118 | $29,454 | $2,377,612 |
| 70 | $69,572 | $39,627 | $29,945 | $2,347,667 |
| 71 | $69,572 | $39,128 | $30,444 | $2,317,222 |
| 72 | $69,572 | $38,620 | $30,952 | $2,286,271 |
| 73 | $69,572 | $38,105 | $31,468 | $2,254,803 |
| 74 | $69,572 | $37,580 | $31,992 | $2,222,811 |
| 75 | $69,572 | $37,047 | $32,525 | $2,190,286 |
| 76 | $69,572 | $36,505 | $33,067 | $2,157,219 |
| 77 | $69,572 | $35,954 | $33,618 | $2,123,600 |
| 78 | $69,572 | $35,393 | $34,179 | $2,089,421 |
| 79 | $69,572 | $34,824 | $34,748 | $2,054,673 |
| 80 | $69,572 | $34,245 | $35,327 | $2,019,346 |
| 81 | $69,572 | $33,656 | $35,916 | $1,983,429 |
| 82 | $69,572 | $33,057 | $36,515 | $1,946,914 |
| 83 | $69,572 | $32,449 | $37,123 | $1,909,791 |
| 84 | $69,572 | $31,830 | $37,742 | $1,872,049 |
| 85 | $69,572 | $31,201 | $38,371 | $1,833,678 |
| 86 | $69,572 | $30,561 | $39,011 | $1,794,667 |
| 87 | $69,572 | $29,911 | $39,661 | $1,755,006 |
| 88 | $69,572 | $29,250 | $40,322 | $1,714,684 |
| 89 | $69,572 | $28,578 | $40,994 | $1,673,690 |
| 90 | $69,572 | $27,895 | $41,677 | $1,632,013 |
| 91 | $69,572 | $27,200 | $42,372 | $1,589,641 |
| 92 | $69,572 | $26,494 | $43,078 | $1,546,563 |
| 93 | $69,572 | $25,776 | $43,796 | $1,502,767 |
| 94 | $69,572 | $25,046 | $44,526 | $1,458,241 |
| 95 | $69,572 | $24,304 | $45,268 | $1,412,973 |
| 96 | $69,572 | $23,550 | $46,022 | $1,366,950 |
| 97 | $69,572 | $22,783 | $46,790 | $1,320,161 |
| 98 | $69,572 | $22,003 | $47,569 | $1,272,592 |
| 99 | $69,572 | $21,210 | $48,362 | $1,224,229 |
| 100 | $69,572 | $20,404 | $49,168 | $1,175,061 |
| 101 | $69,572 | $19,584 | $49,988 | $1,125,073 |
| 102 | $69,572 | $18,751 | $50,821 | $1,074,253 |
| 103 | $69,572 | $17,904 | $51,668 | $1,022,585 |
| 104 | $69,572 | $17,043 | $52,529 | $970,056 |
| 105 | $69,572 | $16,168 | $53,404 | $916,651 |
| 106 | $69,572 | $15,278 | $54,295 | $862,357 |
| 107 | $69,572 | $14,373 | $55,199 | $807,158 |
| 108 | $69,572 | $13,453 | $56,119 | $751,038 |
| 109 | $69,572 | $12,517 | $57,055 | $693,983 |
| 110 | $69,572 | $11,566 | $58,006 | $635,978 |
| 111 | $69,572 | $10,600 | $58,972 | $577,005 |
| 112 | $69,572 | $9,617 | $59,955 | $517,050 |
| 113 | $69,572 | $8,617 | $60,955 | $456,095 |
| 114 | $69,572 | $7,602 | $61,970 | $394,125 |
| 115 | $69,572 | $6,569 | $63,003 | $331,122 |
| 116 | $69,572 | $5,519 | $64,053 | $267,068 |
| 117 | $69,572 | $4,451 | $65,121 | $201,947 |
| 118 | $69,572 | $3,366 | $66,206 | $135,741 |
| 119 | $69,572 | $2,262 | $67,310 | $68,432 |
| 120 | $69,572 | $1,141 | $68,432 | $0 |
Opción B: 4.2 MDP al 24 % (fondo o crédito privado)
| Año | Pagos del año | Intereses | Capital | Saldo al cierre |
|---|---|---|---|---|
| 1 | $1,111,224 | $995,853 | $115,371 | $4,084,629 |
| 2 | $1,111,224 | $964,906 | $146,318 | $3,938,311 |
| 3 | $1,111,224 | $925,657 | $185,567 | $3,752,744 |
| 4 | $1,111,224 | $875,880 | $235,344 | $3,517,400 |
| 5 | $1,111,224 | $812,751 | $298,473 | $3,218,928 |
| 6 | $1,111,224 | $732,689 | $378,535 | $2,840,392 |
| 7 | $1,111,224 | $631,150 | $480,074 | $2,360,318 |
| 8 | $1,111,224 | $502,374 | $608,850 | $1,751,467 |
| 9 | $1,111,224 | $339,054 | $772,170 | $979,298 |
| 10 | $1,111,224 | $131,926 | $979,298 | $0 |
Ver los 120 pagos mes por mes
| Mes | Pago mensual | Intereses | Capital | Saldo |
|---|---|---|---|---|
| 1 | $92,602 | $84,000 | $8,602 | $4,191,398 |
| 2 | $92,602 | $83,828 | $8,774 | $4,182,624 |
| 3 | $92,602 | $83,652 | $8,950 | $4,173,674 |
| 4 | $92,602 | $83,473 | $9,129 | $4,164,546 |
| 5 | $92,602 | $83,291 | $9,311 | $4,155,235 |
| 6 | $92,602 | $83,105 | $9,497 | $4,145,737 |
| 7 | $92,602 | $82,915 | $9,687 | $4,136,050 |
| 8 | $92,602 | $82,721 | $9,881 | $4,126,169 |
| 9 | $92,602 | $82,523 | $10,079 | $4,116,091 |
| 10 | $92,602 | $82,322 | $10,280 | $4,105,810 |
| 11 | $92,602 | $82,116 | $10,486 | $4,095,325 |
| 12 | $92,602 | $81,906 | $10,696 | $4,084,629 |
| 13 | $92,602 | $81,693 | $10,909 | $4,073,720 |
| 14 | $92,602 | $81,474 | $11,128 | $4,062,592 |
| 15 | $92,602 | $81,252 | $11,350 | $4,051,242 |
| 16 | $92,602 | $81,025 | $11,577 | $4,039,665 |
| 17 | $92,602 | $80,793 | $11,809 | $4,027,856 |
| 18 | $92,602 | $80,557 | $12,045 | $4,015,811 |
| 19 | $92,602 | $80,316 | $12,286 | $4,003,525 |
| 20 | $92,602 | $80,071 | $12,531 | $3,990,994 |
| 21 | $92,602 | $79,820 | $12,782 | $3,978,212 |
| 22 | $92,602 | $79,564 | $13,038 | $3,965,174 |
| 23 | $92,602 | $79,303 | $13,299 | $3,951,875 |
| 24 | $92,602 | $79,038 | $13,564 | $3,938,311 |
| 25 | $92,602 | $78,766 | $13,836 | $3,924,475 |
| 26 | $92,602 | $78,490 | $14,113 | $3,910,363 |
| 27 | $92,602 | $78,207 | $14,395 | $3,895,968 |
| 28 | $92,602 | $77,919 | $14,683 | $3,881,285 |
| 29 | $92,602 | $77,626 | $14,976 | $3,866,309 |
| 30 | $92,602 | $77,326 | $15,276 | $3,851,033 |
| 31 | $92,602 | $77,021 | $15,581 | $3,835,452 |
| 32 | $92,602 | $76,709 | $15,893 | $3,819,559 |
| 33 | $92,602 | $76,391 | $16,211 | $3,803,348 |
| 34 | $92,602 | $76,067 | $16,535 | $3,786,813 |
| 35 | $92,602 | $75,736 | $16,866 | $3,769,947 |
| 36 | $92,602 | $75,399 | $17,203 | $3,752,744 |
| 37 | $92,602 | $75,055 | $17,547 | $3,735,197 |
| 38 | $92,602 | $74,704 | $17,898 | $3,717,299 |
| 39 | $92,602 | $74,346 | $18,256 | $3,699,043 |
| 40 | $92,602 | $73,981 | $18,621 | $3,680,422 |
| 41 | $92,602 | $73,608 | $18,994 | $3,661,428 |
| 42 | $92,602 | $73,229 | $19,373 | $3,642,055 |
| 43 | $92,602 | $72,841 | $19,761 | $3,622,294 |
| 44 | $92,602 | $72,446 | $20,156 | $3,602,138 |
| 45 | $92,602 | $72,043 | $20,559 | $3,581,578 |
| 46 | $92,602 | $71,632 | $20,970 | $3,560,608 |
| 47 | $92,602 | $71,212 | $21,390 | $3,539,218 |
| 48 | $92,602 | $70,784 | $21,818 | $3,517,400 |
| 49 | $92,602 | $70,348 | $22,254 | $3,495,146 |
| 50 | $92,602 | $69,903 | $22,699 | $3,472,447 |
| 51 | $92,602 | $69,449 | $23,153 | $3,449,294 |
| 52 | $92,602 | $68,986 | $23,616 | $3,425,678 |
| 53 | $92,602 | $68,514 | $24,088 | $3,401,590 |
| 54 | $92,602 | $68,032 | $24,570 | $3,377,020 |
| 55 | $92,602 | $67,540 | $25,062 | $3,351,958 |
| 56 | $92,602 | $67,039 | $25,563 | $3,326,395 |
| 57 | $92,602 | $66,528 | $26,074 | $3,300,321 |
| 58 | $92,602 | $66,006 | $26,596 | $3,273,725 |
| 59 | $92,602 | $65,475 | $27,127 | $3,246,598 |
| 60 | $92,602 | $64,932 | $27,670 | $3,218,928 |
| 61 | $92,602 | $64,379 | $28,223 | $3,190,704 |
| 62 | $92,602 | $63,814 | $28,788 | $3,161,917 |
| 63 | $92,602 | $63,238 | $29,364 | $3,132,553 |
| 64 | $92,602 | $62,651 | $29,951 | $3,102,602 |
| 65 | $92,602 | $62,052 | $30,550 | $3,072,052 |
| 66 | $92,602 | $61,441 | $31,161 | $3,040,891 |
| 67 | $92,602 | $60,818 | $31,784 | $3,009,107 |
| 68 | $92,602 | $60,182 | $32,420 | $2,976,687 |
| 69 | $92,602 | $59,534 | $33,068 | $2,943,619 |
| 70 | $92,602 | $58,872 | $33,730 | $2,909,889 |
| 71 | $92,602 | $58,198 | $34,404 | $2,875,485 |
| 72 | $92,602 | $57,510 | $35,092 | $2,840,392 |
| 73 | $92,602 | $56,808 | $35,794 | $2,804,598 |
| 74 | $92,602 | $56,092 | $36,510 | $2,768,088 |
| 75 | $92,602 | $55,362 | $37,240 | $2,730,848 |
| 76 | $92,602 | $54,617 | $37,985 | $2,692,863 |
| 77 | $92,602 | $53,857 | $38,745 | $2,654,118 |
| 78 | $92,602 | $53,082 | $39,520 | $2,614,599 |
| 79 | $92,602 | $52,292 | $40,310 | $2,574,289 |
| 80 | $92,602 | $51,486 | $41,116 | $2,533,172 |
| 81 | $92,602 | $50,663 | $41,939 | $2,491,234 |
| 82 | $92,602 | $49,825 | $42,777 | $2,448,456 |
| 83 | $92,602 | $48,969 | $43,633 | $2,404,824 |
| 84 | $92,602 | $48,096 | $44,506 | $2,360,318 |
| 85 | $92,602 | $47,206 | $45,396 | $2,314,922 |
| 86 | $92,602 | $46,298 | $46,304 | $2,268,619 |
| 87 | $92,602 | $45,372 | $47,230 | $2,221,389 |
| 88 | $92,602 | $44,428 | $48,174 | $2,173,215 |
| 89 | $92,602 | $43,464 | $49,138 | $2,124,077 |
| 90 | $92,602 | $42,482 | $50,120 | $2,073,957 |
| 91 | $92,602 | $41,479 | $51,123 | $2,022,834 |
| 92 | $92,602 | $40,457 | $52,145 | $1,970,689 |
| 93 | $92,602 | $39,414 | $53,188 | $1,917,500 |
| 94 | $92,602 | $38,350 | $54,252 | $1,863,248 |
| 95 | $92,602 | $37,265 | $55,337 | $1,807,911 |
| 96 | $92,602 | $36,158 | $56,444 | $1,751,467 |
| 97 | $92,602 | $35,029 | $57,573 | $1,693,895 |
| 98 | $92,602 | $33,878 | $58,724 | $1,635,171 |
| 99 | $92,602 | $32,703 | $59,899 | $1,575,272 |
| 100 | $92,602 | $31,505 | $61,097 | $1,514,176 |
| 101 | $92,602 | $30,284 | $62,318 | $1,451,857 |
| 102 | $92,602 | $29,037 | $63,565 | $1,388,292 |
| 103 | $92,602 | $27,766 | $64,836 | $1,323,456 |
| 104 | $92,602 | $26,469 | $66,133 | $1,257,323 |
| 105 | $92,602 | $25,146 | $67,456 | $1,189,868 |
| 106 | $92,602 | $23,797 | $68,805 | $1,121,063 |
| 107 | $92,602 | $22,421 | $70,181 | $1,050,882 |
| 108 | $92,602 | $21,018 | $71,584 | $979,298 |
| 109 | $92,602 | $19,586 | $73,016 | $906,282 |
| 110 | $92,602 | $18,126 | $74,476 | $831,805 |
| 111 | $92,602 | $16,636 | $75,966 | $755,839 |
| 112 | $92,602 | $15,117 | $77,485 | $678,354 |
| 113 | $92,602 | $13,567 | $79,035 | $599,319 |
| 114 | $92,602 | $11,986 | $80,616 | $518,704 |
| 115 | $92,602 | $10,374 | $82,228 | $436,476 |
| 116 | $92,602 | $8,730 | $83,872 | $352,603 |
| 117 | $92,602 | $7,052 | $85,550 | $267,053 |
| 118 | $92,602 | $5,341 | $87,261 | $179,792 |
| 119 | $92,602 | $3,596 | $89,006 | $90,786 |
| 120 | $92,602 | $1,816 | $90,786 | $0 |
Opción C: 5.0 MDP al 24 % (con garantía adicional)
| Año | Pagos del año | Intereses | Capital | Saldo al cierre |
|---|---|---|---|---|
| 1 | $1,322,886 | $1,185,540 | $137,346 | $4,862,654 |
| 2 | $1,322,886 | $1,148,698 | $174,188 | $4,688,465 |
| 3 | $1,322,886 | $1,101,973 | $220,913 | $4,467,552 |
| 4 | $1,322,886 | $1,042,715 | $280,171 | $4,187,382 |
| 5 | $1,322,886 | $967,561 | $355,325 | $3,832,057 |
| 6 | $1,322,886 | $872,248 | $450,637 | $3,381,420 |
| 7 | $1,322,886 | $751,369 | $571,517 | $2,809,902 |
| 8 | $1,322,886 | $598,064 | $724,822 | $2,085,080 |
| 9 | $1,322,886 | $403,636 | $919,250 | $1,165,831 |
| 10 | $1,322,886 | $157,055 | $1,165,831 | $0 |
Ver los 120 pagos mes por mes
| Mes | Pago mensual | Intereses | Capital | Saldo |
|---|---|---|---|---|
| 1 | $110,240 | $100,000 | $10,240 | $4,989,760 |
| 2 | $110,240 | $99,795 | $10,445 | $4,979,314 |
| 3 | $110,240 | $99,586 | $10,654 | $4,968,660 |
| 4 | $110,240 | $99,373 | $10,867 | $4,957,793 |
| 5 | $110,240 | $99,156 | $11,085 | $4,946,708 |
| 6 | $110,240 | $98,934 | $11,306 | $4,935,402 |
| 7 | $110,240 | $98,708 | $11,532 | $4,923,869 |
| 8 | $110,240 | $98,477 | $11,763 | $4,912,106 |
| 9 | $110,240 | $98,242 | $11,998 | $4,900,108 |
| 10 | $110,240 | $98,002 | $12,238 | $4,887,870 |
| 11 | $110,240 | $97,757 | $12,483 | $4,875,386 |
| 12 | $110,240 | $97,508 | $12,733 | $4,862,654 |
| 13 | $110,240 | $97,253 | $12,987 | $4,849,666 |
| 14 | $110,240 | $96,993 | $13,247 | $4,836,419 |
| 15 | $110,240 | $96,728 | $13,512 | $4,822,907 |
| 16 | $110,240 | $96,458 | $13,782 | $4,809,125 |
| 17 | $110,240 | $96,182 | $14,058 | $4,795,067 |
| 18 | $110,240 | $95,901 | $14,339 | $4,780,728 |
| 19 | $110,240 | $95,615 | $14,626 | $4,766,102 |
| 20 | $110,240 | $95,322 | $14,918 | $4,751,183 |
| 21 | $110,240 | $95,024 | $15,217 | $4,735,966 |
| 22 | $110,240 | $94,719 | $15,521 | $4,720,445 |
| 23 | $110,240 | $94,409 | $15,832 | $4,704,614 |
| 24 | $110,240 | $94,092 | $16,148 | $4,688,465 |
| 25 | $110,240 | $93,769 | $16,471 | $4,671,994 |
| 26 | $110,240 | $93,440 | $16,801 | $4,655,194 |
| 27 | $110,240 | $93,104 | $17,137 | $4,638,057 |
| 28 | $110,240 | $92,761 | $17,479 | $4,620,578 |
| 29 | $110,240 | $92,412 | $17,829 | $4,602,749 |
| 30 | $110,240 | $92,055 | $18,186 | $4,584,563 |
| 31 | $110,240 | $91,691 | $18,549 | $4,566,014 |
| 32 | $110,240 | $91,320 | $18,920 | $4,547,094 |
| 33 | $110,240 | $90,942 | $19,299 | $4,527,795 |
| 34 | $110,240 | $90,556 | $19,685 | $4,508,111 |
| 35 | $110,240 | $90,162 | $20,078 | $4,488,032 |
| 36 | $110,240 | $89,761 | $20,480 | $4,467,552 |
| 37 | $110,240 | $89,351 | $20,889 | $4,446,663 |
| 38 | $110,240 | $88,933 | $21,307 | $4,425,356 |
| 39 | $110,240 | $88,507 | $21,733 | $4,403,622 |
| 40 | $110,240 | $88,072 | $22,168 | $4,381,454 |
| 41 | $110,240 | $87,629 | $22,611 | $4,358,843 |
| 42 | $110,240 | $87,177 | $23,064 | $4,335,779 |
| 43 | $110,240 | $86,716 | $23,525 | $4,312,255 |
| 44 | $110,240 | $86,245 | $23,995 | $4,288,259 |
| 45 | $110,240 | $85,765 | $24,475 | $4,263,784 |
| 46 | $110,240 | $85,276 | $24,965 | $4,238,819 |
| 47 | $110,240 | $84,776 | $25,464 | $4,213,355 |
| 48 | $110,240 | $84,267 | $25,973 | $4,187,382 |
| 49 | $110,240 | $83,748 | $26,493 | $4,160,889 |
| 50 | $110,240 | $83,218 | $27,023 | $4,133,866 |
| 51 | $110,240 | $82,677 | $27,563 | $4,106,303 |
| 52 | $110,240 | $82,126 | $28,114 | $4,078,188 |
| 53 | $110,240 | $81,564 | $28,677 | $4,049,512 |
| 54 | $110,240 | $80,990 | $29,250 | $4,020,261 |
| 55 | $110,240 | $80,405 | $29,835 | $3,990,426 |
| 56 | $110,240 | $79,809 | $30,432 | $3,959,994 |
| 57 | $110,240 | $79,200 | $31,041 | $3,928,954 |
| 58 | $110,240 | $78,579 | $31,661 | $3,897,292 |
| 59 | $110,240 | $77,946 | $32,295 | $3,864,998 |
| 60 | $110,240 | $77,300 | $32,941 | $3,832,057 |
| 61 | $110,240 | $76,641 | $33,599 | $3,798,458 |
| 62 | $110,240 | $75,969 | $34,271 | $3,764,186 |
| 63 | $110,240 | $75,284 | $34,957 | $3,729,230 |
| 64 | $110,240 | $74,585 | $35,656 | $3,693,574 |
| 65 | $110,240 | $73,871 | $36,369 | $3,657,205 |
| 66 | $110,240 | $73,144 | $37,096 | $3,620,108 |
| 67 | $110,240 | $72,402 | $37,838 | $3,582,270 |
| 68 | $110,240 | $71,645 | $38,595 | $3,543,675 |
| 69 | $110,240 | $70,873 | $39,367 | $3,504,308 |
| 70 | $110,240 | $70,086 | $40,154 | $3,464,154 |
| 71 | $110,240 | $69,283 | $40,957 | $3,423,196 |
| 72 | $110,240 | $68,464 | $41,777 | $3,381,420 |
| 73 | $110,240 | $67,628 | $42,612 | $3,338,807 |
| 74 | $110,240 | $66,776 | $43,464 | $3,295,343 |
| 75 | $110,240 | $65,907 | $44,334 | $3,251,010 |
| 76 | $110,240 | $65,020 | $45,220 | $3,205,789 |
| 77 | $110,240 | $64,116 | $46,125 | $3,159,665 |
| 78 | $110,240 | $63,193 | $47,047 | $3,112,617 |
| 79 | $110,240 | $62,252 | $47,988 | $3,064,629 |
| 80 | $110,240 | $61,293 | $48,948 | $3,015,681 |
| 81 | $110,240 | $60,314 | $49,927 | $2,965,754 |
| 82 | $110,240 | $59,315 | $50,925 | $2,914,829 |
| 83 | $110,240 | $58,297 | $51,944 | $2,862,885 |
| 84 | $110,240 | $57,258 | $52,983 | $2,809,902 |
| 85 | $110,240 | $56,198 | $54,042 | $2,755,860 |
| 86 | $110,240 | $55,117 | $55,123 | $2,700,737 |
| 87 | $110,240 | $54,015 | $56,226 | $2,644,511 |
| 88 | $110,240 | $52,890 | $57,350 | $2,587,161 |
| 89 | $110,240 | $51,743 | $58,497 | $2,528,663 |
| 90 | $110,240 | $50,573 | $59,667 | $2,468,996 |
| 91 | $110,240 | $49,380 | $60,861 | $2,408,136 |
| 92 | $110,240 | $48,163 | $62,078 | $2,346,058 |
| 93 | $110,240 | $46,921 | $63,319 | $2,282,738 |
| 94 | $110,240 | $45,655 | $64,586 | $2,218,153 |
| 95 | $110,240 | $44,363 | $65,877 | $2,152,275 |
| 96 | $110,240 | $43,046 | $67,195 | $2,085,080 |
| 97 | $110,240 | $41,702 | $68,539 | $2,016,541 |
| 98 | $110,240 | $40,331 | $69,910 | $1,946,632 |
| 99 | $110,240 | $38,933 | $71,308 | $1,875,324 |
| 100 | $110,240 | $37,506 | $72,734 | $1,802,590 |
| 101 | $110,240 | $36,052 | $74,189 | $1,728,401 |
| 102 | $110,240 | $34,568 | $75,672 | $1,652,729 |
| 103 | $110,240 | $33,055 | $77,186 | $1,575,543 |
| 104 | $110,240 | $31,511 | $78,730 | $1,496,813 |
| 105 | $110,240 | $29,936 | $80,304 | $1,416,509 |
| 106 | $110,240 | $28,330 | $81,910 | $1,334,599 |
| 107 | $110,240 | $26,692 | $83,549 | $1,251,050 |
| 108 | $110,240 | $25,021 | $85,219 | $1,165,831 |
| 109 | $110,240 | $23,317 | $86,924 | $1,078,907 |
| 110 | $110,240 | $21,578 | $88,662 | $990,245 |
| 111 | $110,240 | $19,805 | $90,436 | $899,809 |
| 112 | $110,240 | $17,996 | $92,244 | $807,565 |
| 113 | $110,240 | $16,151 | $94,089 | $713,475 |
| 114 | $110,240 | $14,270 | $95,971 | $617,504 |
| 115 | $110,240 | $12,350 | $97,890 | $519,614 |
| 116 | $110,240 | $10,392 | $99,848 | $419,766 |
| 117 | $110,240 | $8,395 | $101,845 | $317,921 |
| 118 | $110,240 | $6,358 | $103,882 | $214,039 |
| 119 | $110,240 | $4,281 | $105,960 | $108,079 |
| 120 | $110,240 | $2,162 | $108,079 | $0 |
Para afinar tu propuesta, cuéntame
- ¿Eres empresario, empleado o pensionado?
- ¿Cuánto ingresas al mes por esa actividad?
- ¿Tienes otros ingresos (rentas, otro negocio, pensión, comisiones) y a cuánto ascienden al mes?
- ¿Cómo puedes comprobarlos? Por ejemplo: recibos de nómina, estados de cuenta, declaraciones de impuestos, facturas, contratos de renta o constancia de pensión.
- ¿Tienes otros créditos o deudas vigentes y cuánto pagas al mes por ellos?
Entre más ingresos puedas comprobar, mayor es el monto que te pueden autorizar y mejores condiciones puedes conseguir.
Contéstame aquí y me llega directo a WhatsApp
Llena lo que puedas; al final se abre WhatsApp con tus respuestas listas para enviar.
¿Tienes otros ingresos? (rentas, otro negocio, pensión, comisiones)
¿Cómo puedes comprobar tus ingresos? (marca los que apliquen)
¿Tienes otros créditos o deudas vigentes?
Documentos que normalmente piden
- Escritura del terreno, boleta predial y constancia de no adeudos de agua y predial.
- Certificado de libertad de gravamen y uso de suelo.
- Identificación oficial, CURP, RFC y comprobante de domicilio.
- Estados de cuenta bancarios y declaraciones de impuestos recientes que demuestren tus ingresos.
¿Ya tienes tus documentos? Mándamelos OPCIONAL
Si ya los tienes a la mano, adelantarlos agiliza tu trámite. Marca los que vas a enviar y se abrirá WhatsApp para que me los mandes como foto o PDF. Si aún no los tienes, no pasa nada: los vemos después.
Cómo enviarlos: al abrirse WhatsApp, manda el mensaje y después adjunta cada documento con el botón de adjuntar (el clip). Que se lean completos y sin reflejos. Tus documentos solo se usan para analizar tu crédito.
Importante: esta es una corrida aproximada y conservadora, solo informativa. No es una oferta ni una aprobación de crédito. Las tasas, montos, porcentajes de garantía y costos son estimaciones basadas en condiciones de mercado de referencia (TIIE a 28 días de 6.77 % al 9 de octubre de 2026) y cambian según el avalúo, tu historial crediticio y cada institución. Todo está sujeto a avalúo, análisis de crédito y aprobación.
¿Quieres afinar los números con tu avalúo y tu perfil?
Agendar llamada por WhatsApp
Propuesta personal e intransferible preparada por Marco Rubén Carrillo Arellano, asesor financiero. Consulta el Aviso de privacidad.
Calculadora de tu crédito
Mueve el monto, la tasa y el plazo para ver cómo cambia tu mensualidad.
Mensualidad fija estimada—
Total a pagar—
Total de intereses—
Préstamo vs. valor del terreno—
Ingreso mensual comprobable sugerido—
Es una estimación, no son montos definitivos: se confirman hasta revisar tus documentos y hacer tu estudio económico, y las tasas pueden variar. Cálculo aproximado con pagos fijos mensuales; no incluye IVA, seguros, comisiones ni costos de contratación. El ingreso sugerido considera que la mensualidad no pase de 35 % de tu ingreso. La tasa, el monto y las condiciones finales dependen del avalúo y del análisis de cada institución.