Hipotecar Examples, Sentences and Quiz in Spanish
Introduction
hipotecar means "to mortgage" in English, and it is a verb you will use constantly once you start speaking Spanish for real. This page shows hipotecar in everyday sentences, grouped by meaning, then puts it into two short conversations, lists the mistakes learners actually make, and finishes with a ten-question quiz and answers to the most common questions. Every sentence below uses a real form of hipotecar, so you can copy the patterns and change the person, the tense and the complement to make your own versions. Start with the examples, say them aloud, and then try the quiz without looking back.
Example sentences with hipotecar
Everyday use
Hipotecar means to mortgage. The sentences below show it in everyday use, in different tenses and persons.
- Yo hipoteco la casa — "I mortgage the house"
- Él hipoteca para comprar el piso — "He mortgages to buy the flat"
- Yo hipotequé con el banco — "I mortgaged with the bank"
- Yo hipotecaba la casa — "I used to mortgage the house"
- Yo hipotecaré para comprar el piso — "I will mortgage to buy the flat"
- Yo he hipotecado con el banco — "I have mortgaged with the bank"
In the past and the future
The same verb in the past and the future: the form changes, but the meaning stays the same.
- Él hipotecó con el banco — "He mortgaged with the bank"
- Él hipotecaba la casa — "He used to mortgage the house"
- Tú hipotecarás para comprar el piso — "You will mortgage to buy the flat"
- Yo hipotecaría con el banco — "I would mortgage with the bank"
- Yo había hipotecado la casa — "I had mortgaged the house"
- Nosotros hipotecamos para comprar el piso — "We mortgage to buy the flat"
Hipotecar in conversation
The two dialogues below show hipotecar in natural conversation. Read both parts aloud, then try to continue each dialogue with a sentence of your own.
Dialogue 1
- ¿Tú hipotecas la casa? — "Do you mortgage the house?"
- Sí, yo hipoteco la casa cada día. — "Yes, I mortgage the house every day."
- ¿Y ayer? ¿Tú hipotecaste para comprar el piso? — "And yesterday? Did you mortgage to buy the flat?"
- Sí, yo hipotequé para comprar el piso. — "Yes, I mortgaged to buy the flat."
- Mañana, yo hipotecaré con el banco también. — "Tomorrow, I will mortgage with the bank too."
Dialogue 2
- ¿Vosotros hipotecáis la casa? — "Do you mortgage the house?"
- Sí, nosotros hipotecamos la casa los fines de semana. — "Yes, We mortgage the house at the weekends."
- ¿Y ellos? ¿Ellos hipotecan para comprar el piso? — "And them? Do they mortgage to buy the flat?"
- Sí, ellos hipotecan para comprar el piso también. — "Yes, They mortgage to buy the flat too."
- Mañana nosotros hipotecaremos para comprar el piso otra vez. — "Tomorrow we will mortgage to buy the flat again."
Useful phrases with hipotecar
Four patterns you can use with hipotecar in any conversation. The infinitive stays the same; only the first verb changes.
- Voy a hipotecar la casa. — "I am going to mortgage the house."
- Quiero hipotecar para comprar el piso. — "I want to mortgage to buy the flat."
- Me gusta hipotecar con el banco. — "I like to mortgage with the bank."
- Acabo de hipotecar la casa. — "I have just mortgaged the house."
Common mistakes with hipotecar in everyday use
Mistake 1
- Wrong: Ellos hipoteca la casa.
- Right: Ellos hipotecan la casa.
- Why: Ellos needs the ellos form hipotecan. The singular hipoteca belongs with él, ella or a singular noun.
Mistake 2
- Wrong: Todos los días, yo hipotequé.
- Right: Todos los días, yo hipoteco.
- Why: Todos los días means every day, so the action is a habit and needs the present tense. The preterite is for one finished action, not for routines.
Mistake 3
- Wrong: Yo soy hipotecado para comprar el piso.
- Right: Yo he hipotecado para comprar el piso.
- Why: Spanish perfect tenses use haber, not ser: he hipotecado, has hipotecado, ha hipotecado.
Mistake 4
- Wrong: Ayer, yo hipoteco.
- Right: Ayer, yo hipotequé.
- Why: Ayer means yesterday, so the action is finished and needs the preterite (hipotequé). The present (hipoteco) is for habits and for now.
Mistake 5
- Wrong: Espero que él hipoteca la casa.
- Right: Espero que él hipoteque la casa.
- Why: After espero que, Spanish needs the present subjunctive: hipoteque. The indicative form would be wrong here.
Quiz: hipotecar in use
Ten questions on hipotecar across the tenses. The answers are explained, so read them even when you get a question right.
1. What is the I form of hipotecar in the present tense?
- (a) habremos hipotecado
- (b) hipoteque
- (c) hipotecas
- (d) hipoteco
Answer: (d) hipoteco. The I form in the present is hipoteco.
2. What is the he / she form of hipotecar in the present tense?
- (a) hipoteca
- (b) han hipotecado
- (c) hipotecaréis
- (d) habríais hipotecado
Answer: (a) hipoteca. The he / she form in the present is hipoteca.
3. What is the he / she form of hipotecar in the preterite tense?
- (a) habrán hipotecado
- (b) hipotecáramos
- (c) hipotecó
- (d) hipotecaríais
Answer: (c) hipotecó. The he / she form in the preterite is hipotecó.
4. What is the I form of hipotecar in the imperfect tense?
- (a) hipotequen
- (b) hipotecaríamos
- (c) hipotecaba
- (d) habías hipotecado
Answer: (c) hipotecaba. The I form in the imperfect is hipotecaba.
5. What is the I form of hipotecar in the future tense?
- (a) habrás hipotecado
- (b) han hipotecado
- (c) hipotecaré
- (d) habríais hipotecado
Answer: (c) hipotecaré. The I form in the future is hipotecaré.
6. What is the I form of hipotecar in the present perfect tense?
- (a) hipotequéis
- (b) hipotecáramos
- (c) he hipotecado
- (d) hipotequemos
Answer: (c) he hipotecado. The I form in the present perfect is he hipotecado.
7. Complete the sentence: Espero que él ___ la casa.
- (a) hipoteque
- (b) hipoteques
- (c) hipotequen
- (d) hipotequéis
Answer: (a) hipoteque. The he / she form in the present subjunctive is hipoteque.
8. What is the we form of hipotecar in the present tense?
- (a) hemos hipotecado
- (b) has hipotecado
- (c) habías hipotecado
- (d) hipotecamos
Answer: (d) hipotecamos. The we form in the present is hipotecamos.
9. What is the I form of hipotecar in the preterite tense?
- (a) hipotequé
- (b) hipotecaremos
- (c) hemos hipotecado
- (d) he hipotecado
Answer: (a) hipotequé. The I form in the preterite is hipotequé.
10. What is the they form of hipotecar in the present tense?
- (a) hipotecan
- (b) hipotecaron
- (c) hipotecad
- (d) hipotecaras
Answer: (a) hipotecan. The they form in the present is hipotecan.
Frequently asked questions about hipotecar
Is hipotecar regular?
Hipotecar is a spelling-changing -ar (c → qu before e) verb: hipoteco, hipotecas, hipoteca. See the full conjugation of hipotecar for every tense.
What is the past participle of hipotecar?
The past participle is hipotecado, used with haber in the perfect tenses: he hipotecado. The gerund is hipotecando, used with estar: estoy hipotecando.
How do I say “I mortgage” in the past?
For one finished action, use the preterite: Yo hipotequé para comprar el piso. For a habit in the past, use the imperfect: Yo hipotecaba con el banco.
How can I practise hipotecar?
Start with the examples above: say each sentence aloud, then change the person and the complement. Then take the quiz, and finish with the Verb Quiz and the Conjugation Practice tools, which test the same forms in a different order. A few minutes a day with one verb is worth more than an hour once a week.