Hipotecar Conjugation in Spanish
The Spanish verb hipotecar means to mortgage, and it is a verb you will use again and again once you know it. Hipotecar is a spelling-changing -ar (c → qu before e) verb, so the tables below show you exactly how it behaves in every tense. It has a spelling change (c → qu before e), which keeps the pronunciation of the stem the same when the ending changes. On this page you will find the full conjugation of hipotecar in all thirteen tenses, notes on when to use each one, example sentences, the mistakes learners make most often, a ten-question quiz and answers to the questions students ask about this verb. For example, in the present tense you say Yo hipoteco la casa — "I mortgage the house" — and in the preterite you say Yo hipotequé para comprar el piso — "I mortgaged to buy the flat". Work through the tables below, read the notes for each tense, and then test yourself with the examples, the common mistakes and the quiz at the end of the page.
Quick facts
- Infinitive: hipotecar
- English: to mortgage
- Verb type: spelling-changing -ar (c → qu before e) verb
- Ending: -ar
- Gerund: hipotecando
- Past participle: hipotecado
- Auxiliary verb: haber (all perfect tenses are formed with haber + hipotecado)
Pronunciation is not listed on this page: the verified tables do not include IPA for hipotecar, so no pronunciation is given rather than an invented one.
Full conjugation tables
Every form below comes from the verified conjugation tables for hipotecar. The imperfect subjunctive is shown in its -ra forms; the -se forms use the same stem. For reflexive verbs, the pronoun column shows the reflexive pronoun that goes before each form.
Gerund: hipotecando · Past participle: hipotecado
Present indicative
| Person | Form |
|---|---|
| yo | hipoteco |
| tú | hipotecas |
| él/ella/Ud. | hipoteca |
| nosotros/as | hipotecamos |
| vosotros/as | hipotecáis |
| ellos/ellas/Uds. | hipotecan |
Preterite
| Person | Form |
|---|---|
| yo | hipotequé |
| tú | hipotecaste |
| él/ella/Ud. | hipotecó |
| nosotros/as | hipotecamos |
| vosotros/as | hipotecasteis |
| ellos/ellas/Uds. | hipotecaron |
Imperfect
| Person | Form |
|---|---|
| yo | hipotecaba |
| tú | hipotecabas |
| él/ella/Ud. | hipotecaba |
| nosotros/as | hipotecábamos |
| vosotros/as | hipotecabais |
| ellos/ellas/Uds. | hipotecaban |
Future
| Person | Form |
|---|---|
| yo | hipotecaré |
| tú | hipotecarás |
| él/ella/Ud. | hipotecará |
| nosotros/as | hipotecaremos |
| vosotros/as | hipotecaréis |
| ellos/ellas/Uds. | hipotecarán |
Conditional
| Person | Form |
|---|---|
| yo | hipotecaría |
| tú | hipotecarías |
| él/ella/Ud. | hipotecaría |
| nosotros/as | hipotecaríamos |
| vosotros/as | hipotecaríais |
| ellos/ellas/Uds. | hipotecarían |
Present perfect
| Person | Form |
|---|---|
| yo | he hipotecado |
| tú | has hipotecado |
| él/ella/Ud. | ha hipotecado |
| nosotros/as | hemos hipotecado |
| vosotros/as | habéis hipotecado |
| ellos/ellas/Uds. | han hipotecado |
Pluperfect
| Person | Form |
|---|---|
| yo | había hipotecado |
| tú | habías hipotecado |
| él/ella/Ud. | había hipotecado |
| nosotros/as | habíamos hipotecado |
| vosotros/as | habíais hipotecado |
| ellos/ellas/Uds. | habían hipotecado |
Future perfect
| Person | Form |
|---|---|
| yo | habré hipotecado |
| tú | habrás hipotecado |
| él/ella/Ud. | habrá hipotecado |
| nosotros/as | habremos hipotecado |
| vosotros/as | habréis hipotecado |
| ellos/ellas/Uds. | habrán hipotecado |
Conditional perfect
| Person | Form |
|---|---|
| yo | habría hipotecado |
| tú | habrías hipotecado |
| él/ella/Ud. | habría hipotecado |
| nosotros/as | habríamos hipotecado |
| vosotros/as | habríais hipotecado |
| ellos/ellas/Uds. | habrían hipotecado |
Present subjunctive
| Person | Form |
|---|---|
| yo | hipoteque |
| tú | hipoteques |
| él/ella/Ud. | hipoteque |
| nosotros/as | hipotequemos |
| vosotros/as | hipotequéis |
| ellos/ellas/Uds. | hipotequen |
Imperfect subjunctive (-ra)
| Person | Form |
|---|---|
| yo | hipotecara |
| tú | hipotecaras |
| él/ella/Ud. | hipotecara |
| nosotros/as | hipotecáramos |
| vosotros/as | hipotecarais |
| ellos/ellas/Uds. | hipotecaran |
Imperative (affirmative)
| Person | Form |
|---|---|
| tú | hipoteca |
| él/ella/Ud. | hipoteque |
| nosotros/as | hipotequemos |
| vosotros/as | hipotecad |
| ellos/ellas/Uds. | hipotequen |
Imperative (negative)
| Person | Form |
|---|---|
| tú | hipoteques |
| él/ella/Ud. | hipoteque |
| nosotros/as | hipotequemos |
| vosotros/as | hipotequéis |
| ellos/ellas/Uds. | hipotequen |
Gerund and past participle
| Form | Spanish | Use |
|---|---|---|
| Gerund | hipotecando | with estar for the progressive: estoy hipotecando |
| Past participle | hipotecado | with haber for the perfect tenses: he hipotecado |
How to use each tense
Present indicative
Use the present for routines, general facts and what is happening right now. It is the tense you will use most often in everyday conversation, for habits with words like todos los días and for statements that are true in general. For hipotecar, the present indicative looks like this in a real sentence: Yo hipoteco para comprar el piso — "I mortgage to buy the flat". Learn the present indicative forms in the table above alongside this example, and notice how the ending, not the stem, usually carries the meaning of the tense.
Preterite
Use the preterite for finished actions in the past — things that started and ended, often with time words like ayer, anoche or la semana pasada. The preterite moves a story forward, one completed event at a time. For hipotecar, the preterite looks like this in a real sentence: Yo hipotequé con el banco — "I mortgaged with the bank". Learn the preterite forms in the table above alongside this example, and notice how the ending, not the stem, usually carries the meaning of the tense. Spelling change in the preterite: the yo form is hipotequé (c → qu before e), so the sound of the stem stays the same.
Imperfect
Use the imperfect for background, habits and actions in progress in the past, often with words like antes, de niño or mientras. It describes how things used to be, not one finished event. For hipotecar, the imperfect looks like this in a real sentence: Yo hipotecaba la casa — "I used to mortgage the house". Learn the imperfect forms in the table above alongside this example, and notice how the ending, not the stem, usually carries the meaning of the tense.
Future
Use the future for plans, predictions and promises, often with mañana, el año que viene or pronto. It talks about what will happen, not what is happening now. For hipotecar, the future looks like this in a real sentence: Yo hipotecaré para comprar el piso — "I will mortgage to buy the flat". Learn the future forms in the table above alongside this example, and notice how the ending, not the stem, usually carries the meaning of the tense.
Conditional
Use the conditional for polite requests, hypotheticals and what would happen, often in si clauses. It softens a request and describes imagined situations. For hipotecar, the conditional looks like this in a real sentence: Yo hipotecaría con el banco — "I would mortgage with the bank". Learn the conditional forms in the table above alongside this example, and notice how the ending, not the stem, usually carries the meaning of the tense.
Present perfect
Use the present perfect for recent actions and experiences, often with hoy, esta semana or ya. It connects the past with the present moment. For hipotecar, the present perfect looks like this in a real sentence: Yo he hipotecado la casa — "I have mortgaged the house". Learn the present perfect forms in the table above alongside this example, and notice how the ending, not the stem, usually carries the meaning of the tense.
Pluperfect
Use the pluperfect when one past action happened before another past action. It is the past of the past, and it usually appears with antes de or ya. For hipotecar, the pluperfect looks like this in a real sentence: Yo había hipotecado para comprar el piso — "I had mortgaged to buy the flat". Learn the pluperfect forms in the table above alongside this example, and notice how the ending, not the stem, usually carries the meaning of the tense.
Future perfect
Use the future perfect for something that will already be finished by a future time, often with para mañana or para el viernes. For hipotecar, the future perfect looks like this in a real sentence: Yo habré hipotecado con el banco — "I will have mortgaged with the bank". Learn the future perfect forms in the table above alongside this example, and notice how the ending, not the stem, usually carries the meaning of the tense.
Conditional perfect
Use the conditional perfect for what would have happened under different conditions. It looks back at a past that never happened. For hipotecar, the conditional perfect looks like this in a real sentence: Yo habría hipotecado la casa — "I would have mortgaged the house". Learn the conditional perfect forms in the table above alongside this example, and notice how the ending, not the stem, usually carries the meaning of the tense.
Present subjunctive
Use the present subjunctive after expressions of wish, doubt, emotion and hope, such as espero que or quiero que. The subjunctive does not state a fact; it states an attitude towards the action. For hipotecar, the present subjunctive looks like this in a real sentence: Espero que él hipoteque para comprar el piso — "I hope he mortgages to buy the flat". Learn the present subjunctive forms in the table above alongside this example, and notice how the ending, not the stem, usually carries the meaning of the tense. The subjunctive keeps the spelling change: hipoteque, hipoteques, hipoteque all show c → qu before e, just like the preterite yo form.
Imperfect subjunctive (-ra)
Use the imperfect subjunctive after past wishes and in si clauses about the past, and note the -ra forms shown here; the -se forms use the same stem. For hipotecar, the imperfect subjunctive (-ra) looks like this in a real sentence: Si yo hipotecara con el banco, todo cambiaría — "If I mortgaged with the bank, everything would change". Learn the imperfect subjunctive (-ra) forms in the table above alongside this example, and notice how the ending, not the stem, usually carries the meaning of the tense.
Imperative (affirmative)
Use the affirmative imperative for direct commands, instructions and invitations. It tells someone to do something, and it has no yo form. For hipotecar, the imperative (affirmative) looks like this in a real sentence: Hipoteque la casa — "Let him mortgage the house". Learn the imperative (affirmative) forms in the table above alongside this example, and notice how the ending, not the stem, usually carries the meaning of the tense.
Imperative (negative)
Use the negative imperative, always with no, to tell someone not to do something. It uses the subjunctive forms, so it looks different from the affirmative commands. For hipotecar, the imperative (negative) looks like this in a real sentence: No hipoteques para comprar el piso — "Don't mortgage to buy the flat". Learn the imperative (negative) forms in the table above alongside this example, and notice how the ending, not the stem, usually carries the meaning of the tense.
Example sentences
Ten natural sentences with hipotecar, covering different tenses and persons. Each one uses a form from the tables above.
- Yo hipoteco con el banco — "I mortgage with the bank"
- Él hipoteca la casa — "He mortgages the house"
- Yo hipotequé para comprar el piso — "I mortgaged to buy the flat"
- Yo hipotecaba con el banco — "I used to mortgage with the bank"
- Tú hipotecarás la casa — "You will mortgage the house"
- Yo hipotecaría para comprar el piso — "I would mortgage to buy the flat"
- Él ha hipotecado con el banco — "He has mortgaged with the bank"
- Espero que él hipoteque la casa — "I hope he mortgages the house"
- Yo había hipotecado para comprar el piso — "I had mortgaged to buy the flat"
- Ellos hipotecaban con el banco — "They used to mortgage with the bank"
Common mistakes
- Wrong: Ellos hipoteca la casa — Right: Ellos hipotecan la casa — Ellos needs the ellos form hipotecan. The singular hipoteca belongs with él, ella or a singular noun.
- Wrong: Ayer, yo hipoteco — Right: Ayer, yo hipotequé — The present tense cannot describe a finished action yesterday. Ayer forces the preterite, so the form must change to hipotequé, with the spelling change c → qu before e.
- Wrong: De niño, yo hipotequé todos los días. — Right: Todos los días, yo hipotecaba — For a repeated habit in the past, use the imperfect (hipotecaba), not the preterite. The preterite (hipotequé) is for one finished action.
- Wrong: Yo soy hipotecado para comprar el piso. — Right: Yo he hipotecado para comprar el piso. — Spanish perfect tenses use haber, not ser: he hipotecado, has hipotecado, ha hipotecado. Ser plus the participle makes a passive, not a perfect tense.
- Wrong: Espero que él hipoteca la casa. — Right: Espero que él hipoteque la casa. — After espero que, Spanish needs the subjunctive: hipoteque. The indicative hipoteca is wrong here.
Quiz: test yourself
Ten questions on hipotecar. Choose the right form, then check the answer key below.
Complete the sentence: Yo ___ la casa. (present tense) A. hipotecarías B. hemos hipotecado C. hipoteco D. habré hipotecado
Complete the sentence: Él ___ la casa. (preterite) A. habéis hipotecado B. hipotecaras C. habíamos hipotecado D. hipotecó
Complete the sentence: Nosotros ___ la casa. (imperfect) A. habremos hipotecado B. hipotecábamos C. había hipotecado D. hipotecara
Complete the sentence: Tú ___ la casa. (future) A. habrías hipotecado B. hipotecabais C. hipotecarás D. hipotequé
Complete the sentence: Yo ___ la casa. (conditional) A. hipotecasteis B. hipotecaría C. hipotecaron D. he hipotecado
Complete the sentence: Espero que él ___ la casa. (present subjunctive) A. habrá hipotecado B. hipotecarían C. hipoteque D. habrías hipotecado
Complete the sentence: Si yo ___ la casa, todo cambiaría. (imperfect subjunctive, -ra form) A. hipoteques B. habías hipotecado C. hipotecara D. hipotecaríamos
Complete the sentence: Nosotros ___ la casa. (present perfect) A. hipotecabas B. hemos hipotecado C. habías hipotecado D. hipotecas
Complete the command: No ___ la casa. (negative imperative, tú) A. hipotequéis B. hipoteque C. hipoteques D. hipotequemos
Which is the gerund of hipotecar, used with estar for the progressive? A. hipotecaré B. hipotecando C. hipotecado D. hipotecaba
Answer key
- hipoteco — The yo present tense of hipotecar is hipoteco.
- hipotecó — The él/ella/Ud. preterite of hipotecar is hipotecó.
- hipotecábamos — The nosotros/as imperfect of hipotecar is hipotecábamos.
- hipotecarás — The tú future of hipotecar is hipotecarás.
- hipotecaría — The yo conditional of hipotecar is hipotecaría.
- hipoteque — The él/ella/Ud. present subjunctive of hipotecar is hipoteque.
- hipotecara — The yo imperfect subjunctive, -ra form of hipotecar is hipotecara.
- hemos hipotecado — The nosotros/as present perfect of hipotecar is hemos hipotecado.
- hipoteques — The negative tú imperative uses the present subjunctive form with no before it: hipoteques.
- hipotecando — The gerund of hipotecar is hipotecando: estoy hipotecando. The participle hipotecado is used with haber instead.
Frequently asked questions
What does hipotecar mean in English?
Hipotecar means to mortgage. It is used in everyday situations such as Yo hipoteco la casa. The exact English wording depends on the context, but the core meaning stays the same across the tenses.
Is hipotecar regular?
Mostly. Hipotecar follows the regular -ar endings, but it has a spelling change (c → qu before e). The tables on this page show every form, so you can see exactly where the spelling changes.
What is the gerund and the past participle of hipotecar?
The gerund is hipotecando, used with estar for the progressive: estoy hipotecando. The past participle is hipotecado, used with haber in the perfect tenses: he hipotecado.
How do I say “I mortgage” in the past?
It depends on the kind of past. For one finished action, use the preterite: Yo hipotequé para comprar el piso. For a repeated habit or background in the past, use the imperfect: Yo hipotecaba con el banco. For something that has just happened, use the present perfect: Yo he hipotecado la casa.
How do I practise hipotecar?
Start with the present tense table, then drill the preterite and the imperfect, since those two past tenses cause the most mistakes. Try the hipotecar examples and quiz page for more sentences, and use the Spanish Verb Quiz to test the forms under pressure.
Related links
- Hipotecar in the present tense — the full present-tense table for hipotecar.
- Hipotecar examples and quiz — more example sentences and practice for hipotecar.
- Spanish verbs — the Spanish hub, with every verb and tense guide.
- Malgastar conjugation — another -ar verb to compare with hipotecar.
- Despilfarrar conjugation — another -ar verb to compare with hipotecar.
- Legar conjugation — another -ar verb to compare with hipotecar.
- Spanish Verb Quiz — test yourself on real conjugated forms.
- Verb Conjugator — conjugate any Spanish verb in every tense.