Learning how to conjugate amortizar in Spanish is an essential step for anyone looking to enhance their verb usage in the language. Mastering the conjugation of this verb, which means “to amortize” or “to pay off,” can significantly improve both written and spoken Spanish. The process involves understanding the various tenses and correctly applying the rules of conjugation to this particularly useful verb. Whether dealing with financial terms or expressing the gradual reduction of something over time, knowing how to conjugate amortizar effectively will expand your linguistic capability and precision.
The conjugation of amortizar encompasses several mood and tense variations, from the present indicative to the subjunctive and imperative forms. It’s crucial for learners to grasp these distinctions to communicate accurately in different contexts. This article aims to serve as a comprehensive guide, breaking down the conjugation process systematically, ensuring that learners can apply the knowledge practically in real-life situations or formal financial discussions.
By diving into how to conjugate amortizar in Spanish, the article will not only provide the necessary tools for mastering this verb but also enrich the learner’s understanding of verb conjugation patterns within the Spanish language. Whether you are a beginner or looking to polish your advanced skills, this guide is intended to facilitate a deeper comprehension and more effective application of Spanish verb conjugations, particularly for those engaging with financial or incremental contexts where the use of amortizar is prevalent
Amortizar Conjugation Chart in Spanish
| Personal Pronoun | Presente | Pretérito | Imperfecto | Futuro | Condicional | Presente Subjuntivo | Imperfecto Subjuntivo | Imperativo |
|---|---|---|---|---|---|---|---|---|
| Yo | amortizo | amorticé | amortizaba | amortizaré | amortizaría | amortice | amortizara | amortiza |
| Tú | amortizas | amortizaste | amortizabas | amortizarás | amortizarías | amortices | amortizaras | amortiza |
| Él/Ella/Usted | amortiza | amortizó | amortizaba | amortizará | amortizaría | amortice | amortizara | amortice |
| Nosotros | amortizamos | amortizamos | amortizábamos | amortizaremos | amortizaríamos | amorticemos | amortizáramos | amorticemos |
| Vosotros | amortizáis | amortizasteis | amortizabais | amortizaréis | amortizaríais | amorticéis | amortizarais | amortizad |
| Ellos/Ellas/Ustedes | amortizan | amortizaron | amortizaban | amortizarán | amortizarían | amorticen | amortizaran | amorticen |
Amortizar Conjugation Present Tense – Presente
| Pronoun | Conjugation | Example Sentence | English Meaning |
|---|---|---|---|
| yo | amortizo | Yo amortizo el préstamo poco a poco. | I am amortizing the loan little by little. |
| tú | amortizas | Tú amortizas la hipoteca eficazmente. | You are amortizing the mortgage efficiently. |
| él/ella/usted | amortiza | Él amortiza sus deudas diligentemente. | He is amortizing his debts diligently. |
| nosotros/as | amortizamos | Nosotros amortizamos el coche este año. | We are amortizing the car this year. |
| vosotros/as | amortizáis | Vosotros amortizáis vuestras inversiones. | You are amortizing your investments. |
| ellos/ellas/ustedes | amortizan | Ellos amortizan la deuda del club. | They are amortizing the club’s debt. |
Amortizar Conjugation Present Perfect Tense – Pretérito Perfecto Conjugation Chart
| Pronoun | Conjugation | Example Sentence | English Meaning |
|---|---|---|---|
| yo | he amortizado | Yo he amortizado la deuda este año. | I have amortized the debt this year. |
| tú | has amortizado | ¿Tú ya has amortizado tu préstamo? | Have you amortized your loan already? |
| él/ella/usted | ha amortizado | Él ha amortizado una gran parte de su hipoteca. | He has amortized a large part of his mortgage. |
| nosotros/nosotras | hemos amortizado | Nosotros hemos amortizado la inversión inicial. | We have amortized the initial investment. |
| vosotros/vosotras | habéis amortizado | Vosotros habéis amortizado los costos. | You have amortized the costs. |
| ellos/ellas/ustedes | han amortizado | Ellos han amortizado sus activos fijos. | They have amortized their fixed assets. |
Amortizar Conjugation Simple Paste Tense – Pretérito Indefinido
Here’s Amortizar conjugation preterite indefinido:
| Pronoun | Conjugation | Example Sentence | English Meaning |
|---|---|---|---|
| Yo | amorticé | Yo amortice la deuda del coche el año pasado. | I paid off the car loan last year. |
| Tú | amortizaste | Tú amortizaste tu préstamo estudiantil rápidamente. | You paid off your student loan quickly. |
| Él/Ella | amortizó | Ella amortizó su hipoteca en diez años. | She paid off her mortgage in ten years. |
| Nosotros | amortizamos | Nosotros amortizamos la inversión inicial pronto. | We amortized the initial investment soon. |
| Vosotros | amortizasteis | Vosotros amortizasteis la deuda con esfuerzo. | You all paid off the debt with effort. |
| Ellos/Ellas | amortizaron | Ellos amortizaron los costos del proyecto. | They amortized the project costs. |
Amortizar Imperfect Conjugation – Pretérito Imperfecto
| Pronoun | Conjugation | Example Sentence | English Meaning |
|---|---|---|---|
| tú | amortiza | Amortiza tu préstamo lo antes posible. | Pay off your loan as soon as possible. |
| usted | amortice | Amortice su crédito para evitar intereses. | Pay off your credit to avoid interest. |
| nosotros/as | amorticemos | Amorticemos nuestras deudas este año. | Let’s pay off our debts this year. |
| vosotros/as | amortizad | Amortizad vuestras hipotecas para ser libres. | Pay off your mortgages to be free. |
| ustedes | amorticen | Amorticen sus préstamos antes del vencimiento. | Pay off your loans before their due date. |
Amortizar Conjugation Pluperfect/Past Perfect Tense – Pretérito Pluscuamperfecto
| Pronoun | Conjugation | Example Sentence | English Meaning |
|---|---|---|---|
| yo | había amortizado | Yo ya había amortizado la deuda cuando llegaron los recordatorios. | I had already amortized the debt when the reminders arrived. |
| tú | habías amortizado | ¿Tú habías amortizado ya parte del préstamo antes de perder el trabajo? | Had you already amortized part of the loan before losing your job? |
| él/ella/usted | había amortizado | Ella había amortizado su crédito completamente antes del vencimiento. | She had completely amortized her credit before the due date. |
| nosotros/nosotras | habíamos amortizado | Nosotros habíamos amortizado el préstamo antes de vender la casa. | We had amortized the loan before selling the house. |
| vosotros/vosotras | habíais amortizado | Vosotros ya habíais amortizado una gran parte de vuestra hipoteca. | You had already amortized a large part of your mortgage. |
| ellos/ellas/ustedes | habían amortizado | Ellos habían amortizado totalmente su deuda antes de que terminara el año. | They had completely amortized their debt before the end of the year. |
Amortizar Conjugation Simple Future Tense – Futuro Simple
| Pronoun | Conjugation | Example Sentence | English Meaning |
|---|---|---|---|
| yo | amortizaré | Yo amortizaré mi hipoteca en 20 años. | I will amortize my mortgage in 20 years. |
| tú | amortizarás | Tú amortizarás el préstamo pronto. | You will amortize the loan soon. |
| él/ella/usted | amortizará | Él amortizará esa deuda antes de julio. | He will amortize that debt before July. |
| nosotros/nosotras | amortizaremos | Nosotros amortizaremos nuestros créditos en cinco años. | We will amortize our loans in five years. |
| vosotros/vosotras | amortizaréis | Vosotros amortizaréis vuestros préstamos con facilidad. | You (plural) will amortize your loans easily. |
| ellos/ellas/ustedes | amortizarán | Ellos amortizarán todos sus préstamos empresariales. | They will amortize all their business loans. |
Amortizar Spanish Conjugation Future Perfect Tense – Futuro Perfecto
| Pronoun | Conjugation | Example Sentence | English Meaning |
|---|---|---|---|
| yo | habré amortizado | Para diciembre, yo habré amortizado toda la deuda de mi tarjeta de crédito. | By December, I will have paid off all my credit card debt. |
| tú | habrás amortizado | Para fin de año, tú habrás amortizado una gran parte de tu préstamo estudiantil. | By the end of the year, you will have paid off a large portion of your student loan. |
| él/ella/usted | habrá amortizado | En unos meses, él habrá amortizado su hipoteca. | In a few months, he will have paid off his mortgage. |
| nosotros/nosotras | habremos amortizado | Para nuestra próxima reunión, nosotros habremos amortizado el préstamo del auto. | By our next meeting, we will have paid off the car loan. |
| vosotros/vosotras | habréis amortizado | Antes del verano, vosotros habréis amortizado vuestras deudas. | Before summer, you all will have paid off your debts. |
| ellos/ellas/ustedes | habrán amortizado | Para el 2025, ellos habrán amortizado completamente la deuda de la empresa. | By 2025, they will have completely paid off the company’s debt. |
Amortizar Conjugation Simple Conditional Tense – Condicional Simple
| Pronoun | Conjugation | Example Sentence | English Meaning |
|---|---|---|---|
| yo | amortizaría | Yo amortizaría la deuda en cinco años. | I would amortize the debt in five years. |
| tú | amortizarías | Tú amortizarías el préstamo con tus ahorros. | You would amortize the loan with your savings. |
| él/ella/usted | amortizaría | Él amortizaría su hipoteca antes de jubilarse. | He would amortize his mortgage before retiring. |
| nosotros/nosotras | amortizaríamos | Nosotros amortizaríamos nuestras deudas si ganáramos la lotería. | We would amortize our debts if we won the lottery. |
| vosotros/vosotras | amortizaríais | Vosotros amortizaríais el coche en un año. | You (plural) would amortize the car in a year. |
| ellos/ellas/ustedes | amortizarían | Ellos amortizarían sus inversiones en diez años. | They would amortize their investments in ten years. |
Conjugate Amortizar in Spanish: Conditional Perfect Tense – Condicional Compuesto
| Pronoun | Conjugation | Example Sentence | English Meaning |
|---|---|---|---|
| yo | habría amortizado | Yo habría amortizado el préstamo en 5 años. | I would have paid off the loan in 5 years. |
| tú | habrías amortizado | Tú habrías amortizado tu deuda con algo de ayuda. | You would have paid off your debt with some help. |
| él/ella/usted | habría amortizado | Él habría amortizado la hipoteca antes si hubiese podido. | He would have paid off the mortgage earlier if he could have. |
| nosotros/nosotras | habríamos amortizado | Nosotros habríamos amortizado toda la inversión para fin de año. | We would have paid off all the investment by the end of the year. |
| vosotros/vosotras | habríais amortizado | Vosotros habríais amortizado vuestros créditos, de haber seguido el plan. | You all would have paid off your loans, had you followed the plan. |
| ellos/ellas/ustedes | habrían amortizado | Ellos habrían amortizado sus préstamos estudiantiles con esos ingresos extra. | They would have paid off their student loans with that extra income. |
Amortizar Conjugation Imperative Tense – Imperativo
| Pronoun | Conjugation | Example Sentence | English Meaning |
|---|---|---|---|
| tú | amortiza | Amortiza tu préstamo lo antes posible. | Pay off your loan as soon as possible. |
| usted | amortice | Amortice su crédito para evitar intereses. | Pay off your credit to avoid interest. |
| nosotros/as | amorticemos | Amorticemos nuestras deudas este año. | Let’s pay off our debts this year. |
| vosotros/as | amortizad | Amortizad vuestras hipotecas para ser libres. | Pay off your mortgages to be free. |
| ustedes | amorticen | Amorticen sus préstamos antes del vencimiento. | Pay off your loans before their due date. |
Amortizar Subjunctive Conjugation
Amortizar Subjunctive Conjugation Present Tense – Subjuntivo Presente
| Pronoun | Conjugation | Example Sentence | English Meaning |
|---|---|---|---|
| yo | amortice | Espero que yo amortice la deuda pronto. | I hope I amortize the debt soon. |
| tú | amortices | Es importante que tú amortices tus préstamos estudiantiles. | It’s important that you amortize your student loans. |
| él/ella/Ud. | amortice | Mi padre quiere que él amortice la hipoteca en menos de 20 años. | My father wants him to amortize the mortgage in less than 20 years. |
| nosotros/nosotras | amorticemos | Nos aconsejan que amorticemos el préstamo antes de invertir. | They advise us to amortize the loan before investing. |
| vosotros/vosotras | amorticéis | Espero que vosotros amorticéis el préstamo lo antes posible. | I hope you amortize the loan as soon as possible. |
| ellos/ellas/Uds. | amorticen | Es vital que ellos amorticen sus deudas antes del próximo año. | It is vital that they amortize their debts before next year. |
Amortizar Conjugation Present Perfect Subjunctive – Subjuntivo Pretérito Perfecto
| Pronoun | Conjugation | Example Sentence | English Meaning |
|---|---|---|---|
| yo | haya amortizado | Me alegra que yo haya amortizado el préstamo. | Im glad I have amortized the loan. |
| tú | hayas amortizado | Espero que tú hayas amortizado tus deudas. | I hope you have amortized your debts. |
| él/ella | haya amortizado | Es bueno que él haya amortizado la hipoteca. | Its good that he has amortized the mortgage. |
| nosotros | hayamos amortizado | Estoy feliz de que nosotros hayamos amortizado. | Im happy that we have amortized it. |
| vosotros | hayáis amortizado | Ojalá que vosotros hayáis amortizado vuestros préstamos. | Hopefully, you all have amortized your loans. |
| ellos/ellas | hayan amortizado | Es importante que ellos hayan amortizado sus créditos. | Its important that they have amortized their credits. |
Amortizar Conjugation Imperfect Subjunctive – Subjuntivo Pretérito Imperfecto
| Pronoun | Conjugation | Example Sentence | English Meaning |
|---|---|---|---|
| yo | amortizara | Ojalá que yo amortizara la hipoteca este año. | I wish I would pay off the mortgage this year. |
| tú | amortizaras | Si tú amortizaras tus deudas, estarías tranquilo. | If you paid off your debts, you would be at ease. |
| él/ella | amortizara | Sería bueno que él amortizara sus préstamos estudiantiles pronto. | It would be good if he paid off his student loans soon. |
| nosotros | amortizáramos | Nos prometimos que si ganábamos la lotería, amortizáramos nuestras casas. | We promised each other that if we won the lottery, we would pay off our houses. |
| vosotros | amortizarais | Si vosotros amortizarais el préstamo, os libraríais de intereses. | If you guys paid off the loan, you would get rid of interest. |
| ellos | amortizaran | Esperaban que ellos amortizaran el crédito antes de jubilarse. | They hoped they would pay off the credit before retiring. |
Amortizar Pluperfect Subjunctive Conjugation – Subjuntivo Pretérito Pluscuamperfecto
| Pronoun | Conjugation | Example Sentence | English Meaning |
|---|---|---|---|
| yo | hubiera amortizado | Si yo hubiera amortizado la deuda, estaríamos libres de cargas. | If I had amortized the debt, we would be free of burdens. |
| tú | hubieras amortizado | Si tú hubieras amortizado el préstamo, ahora tendrías más dinero. | If you had amortized the loan, you would now have more money. |
| él/ella | hubiera amortizado | Si él hubiera amortizado sus inversiones, no estaría en bancarrota. | If he had amortized his investments, he wouldn’t be bankrupt. |
| nosotros | hubiéramos amortizado | Si nosotros hubiéramos amortizado la hipoteca, seríamos dueños de la casa. | If we had amortized the mortgage, we would own the house. |
| vosotros | hubierais amortizado | Si vosotros hubierais amortizado vuestras deudas, no tendríais problemas financieros. | If you had amortized your debts, you wouldn’t have financial problems. |
| ellos/ellas | hubieran amortizado | Si ellos hubieran amortizado el crédito, ahora no tendrían intereses que pagar. | If they had amortized the credit, they wouldn’t have interest to pay now. |
Amortizar Conjugation Future Subjunctive – Subjuntivo Futuro
| Pronoun | Conjugation | Example Sentence | English Meaning |
|---|---|---|---|
| (yo) | amortizare | Si yo amortizare la deuda, seré libre. | If I pay off the debt, I will be free. |
| (tú) | amortizares | Si tú amortizares tus préstamos, podrás ahorrar más dinero. | If you pay off your loans, you can save more money. |
| (él/ella/usted) | amortizare | Si él amortizare el préstamo antes de tiempo, evitará intereses. | If he pays off the loan early, he will avoid interest. |
| (nosotros/nosotras) | amortizáremos | Si nosotros amortizáremos nuestra hipoteca, tendríamos más libertad financiera. | If we pay off our mortgage, we would have more financial freedom. |
| (vosotros/vosotras) | amortizareis | Si vosotros amortizareis vuestras deudas, podréis viajar más. | If you all pay off your debts, you can travel more. |
| (ellos/ellas/ustedes) | amortizaren | Si ellos amortizaren sus créditos, vivirán con menos preocupaciones. | If they pay off their credits, they will live with fewer worries. |
Practice Test For Conjugating Amortizar in Spanish
1. Yo __ el préstamo el año pasado.
A) amortizo
B) amortizas
C) amortizaba
D) amortizaré
-
Tú __ la hipoteca con tus ahorros.
A) amortizas
B) amortizaste
C) amortizabas
D) amortizarás -
Usted __ una parte del crédito este mes.
A) amortizó
B) amortiza
C) amortizará
D) amortizaba -
Nosotros ___ nuestro coche nuevo gradualmente.
A) amortizamos
B) amortizaremos
C) amortizábamos
D) amortizamos -
Vosotros __ el préstamo antes de tiempo.
A) amortizáis
B) amortizasteis
C) amortizaréis
D) amortizaríais -
Ellos __ una parte de la deuda cada año.
A) amortizan
B) amortizaron
C) amortizaban
D) amortizarán -
Yo no __ nada este mes.
A) amortizo
B) amorticé
C) amortizaré
D) amortizaba -
¿Tú ya ___ el préstamo del coche?
A) amortizaste
B) amortizas
C) amortizarás
D) amortizabas -
Ustedes ___ su casa con las ganancias de la empresa.
A) amortizan
B) amortizaron
C) amortizarán
D) amortizaban -
Nosotros nunca ___ deudas sin un plan claro.
A) amortizábamos
B) amortizamos
C) amortizaremos
D) amortizaríamos -
Vosotras __ parte de vuestros ahorros cada mes.
A) amortizáis
B) amortizasteis
C) amortizaréis
D) amortizabais -
El gobierno __ una gran parte de su deuda exterior.
A) amortiza
B) amortizó
C) amortizará
D) amortizaba -
Yo siempre __ mis deudas a tiempo.
A) amortizo
B) amortizaba
C) amorticé
D) amortizaré -
Tú ___ el crédito de tu tarjeta de crédito demasiado rápido.
A) amortizaste
B) amortizas
C) amortizarás
D) amortizabas -
Usted ___ consistentemente la hipoteca durante años.
A) amortiza
B) amortizó
C) amortizará
D) amortizaba -
Nosotros ___ todo el préstamo con el último pago.
A) amortizábamos
B) amortizamos
C) amortizaremos
D) amortizamos -
Vosotros ___ el crédito universitario con vuestro primer sueldo.
A) amortizasteis
B) amortizáis
C) amortizaréis
D) amortizabais -
Ellos ya __ la mayoría de sus préstamos estudiantiles.
A) amortizan
B) amortizaron
C) amortizarán
D) amortizaban -
Yo __ en hacer más pagos este año para reducir la deuda.
A) amortizo
B) amorticé
C) amortizaré
D) amortizaba -
Tú __ eficientemente tus gastos cada mes.
A) amortizas
B) amortizaste
C) amortizarás
D) amortizabas
Answers:
1. C) amortizaba
2. B) amortizaste
3. B) amortiza
4. A) amortizamos
5. B) amortizasteis
6. A) amortizan
7. B) amorticé
8. A) amortizaste
9. B) amortizaron
10. B) amortizamos
11. A) amortizáis
12. B) amortizó
13. A) amortizo
14. A) amortizaste
15. D) amortizaba
16. B) amortizamos
17. A) amortizasteis
18. B) amortizaron
19. C) amortizaré
20. A) amortizas
This definitive guide on how to conjugate amortizar in Spanish is designed for learners at all levels. Whether you’re a beginner eager to master the basics or an advanced learner polishing your grammar, this article is tailored to cover every angle of amortizar conjugation. With a meticulous approach, we’ve distilled key insights into the most searched-for aspects of conjugating ‘amortizar,’ ensuring that no stone is left unturned.
In this comprehensive exploration, we delve into the amortizar conjugation present, where you’ll discover how to correctly use amortizar in the present tense, laying the foundation for expressing current actions and states. We then transition into the past with amortizar preterite and amortizar conjugation preterite, guiding you through the nuances of recounting completed actions. For those intricate narratives, amortizar preterite conjugation will sharpen your storytelling, ensuring you convey past events with accuracy.
Venturing into the subjunctive mood, our guide on amortizar subjunctive illuminates how to express desires, doubts, and hypotheticals with amortizar, adding depth to your conversations and writings. And for those looking to master every tense, our sections on amortizar conditional, amortizar imperative, and amortizar infinitive usage will refine your command of Spanish, enabling you to navigate future possibilities, give commands, and utilize amortizar in its most versatile form.
By weaving through these phrases, our article stands as a beacon for learners and educators alike, promising a well-rounded mastery of amortizar. So, whether you’re drafting an email, engaging in conversation, or penning a narrative, let this guide be your trusted companion in conquering the conjugation of “amortizar” across all its forms.
Final Words
The article focusing on how to conjugate “amortizar” in Spanish serves as an invaluable resource for learners of the language, providing thorough insights into the verb’s conjugation across various tenses. Grasping the conjugation of “amortizar” allows learners to communicate concepts related to paying off or amortizing loans and debts with precision and accuracy, a testament to the article’s practical applicability in real-world scenarios.
Evidently, the mastery of “amortizar” in Spanish not only broadens one’s verb repertoire but also enhances one’s ability to discuss financial matters. This is particularly useful for professionals in finance and business sectors, or anyone needing to navigate financial discussions in Spanish-speaking environments. The detailed guidance offered by the article ensures that learners can approach the verb’s conjugation with confidence, fostering improved communication skills and a deeper understanding of Spanish verb conjugations.
In conclusion, this comprehensive article serves as an essential tool for anyone aiming to improve their proficiency in Spanish. By meticulously breaking down the conjugation process of “amortizar,” it empowers learners with the knowledge to accurately express financial actions, contributing to their overall language competence. As such, the article stands out as a significant contribution to the field of Spanish language education.