Is your UDIS mortgage
eating you alive?
You've been paying for years and your balance won't go down. UDIS rises with inflation and nobody explains it to you. HipoClara shows you exactly what it's cost you — in pesos, no spin.
Because your mortgage can finally be clear.
The UDIS trap, explained in 30 seconds
This is the mechanism that grows your debt even when you pay on time
The result: you paid 14 years and your balance in pesos went up
You paid on time every month, but inflation made your debt's peso value grow faster than your payments reduced it. HipoClara shows your specific case with the real data from your mortgage.
How does it work?
Three steps from confusion to clarity
SEE
Enter your mortgage. We show you your real balance today, how much you've paid and how much is left.
UNDERSTAND
We compare your situation with an equivalent fixed-rate mortgage. You see exactly what UDIS has cost you.
ACT
We connect you with banks offering favorable refinancing. No pressure, just clear options.
Why HipoClara?
Banks won't call you to say you can refinance. We will.
Daily Banxico data
The UDIS value updates daily directly from Mexico's central bank. No stale data, no tricks.
Free comparison
Your UDIS mortgage vs. an equivalent fixed rate. You see the real cost of your contract in pesos, not abstract UDIS.
No fine print
No mandatory registration to see your situation. No surprise subscriptions. Free where it matters most.
Start free today
Enter your mortgage and in under 2 minutes you'll have the full analysis: real balance, inflation cost and improvement options.
No sign-up · No credit card · 100% free
Check my situation →Frequently asked questions
What is a UDIS and why does my balance grow?
UDIS (Investment Units) are units indexed to inflation. Your debt was contracted in UDIS, not pesos. When inflation rises, the UDIS value stays the same, but in pesos your balance goes up. That's why many Mexicans have been paying for years and their debt hasn't gone down — or has even grown.
Is the calculator free?
Yes, the basic UDIS calculator is completely free. Enter your mortgage, we show you the analysis. No credit card, no mandatory registration.
Which countries does HipoClara work for?
Currently Mexico (UDIS mortgages with Banxico tracking) and Panama (rate comparison and bank referrals). Colombia and Brazil coming soon.
Can you help me refinance?
HipoClara is not a bank. But if your situation suggests refinancing is worthwhile, we connect you with financial institutions offering better terms. The analysis is always yours first.