UDIS Calculator
Discover your real balance today, how much you've lost to UDIS and what you'd have paid with a fixed rate. Enter your basic mortgage data and get the analysis in seconds.
Where do I find this data?
- Original amount: First page of your mortgage contract, section "Loan principal"
- Year of origination: Contract signing date (year only)
- Current monthly payment: The amount you deposit each month for your mortgage
Your mortgage data
The peso value when you signed
When you signed the contract
What you pay each month
Approximate results. Uses Banxico reference UDIS historical values.
How does the calculation work?
Banxico UDIS value
Mexico's central bank publishes the UDIS value daily. HipoClara uses these historical values to estimate what your debt was worth when you contracted it vs. today. Cumulative inflation determines how much your balance has grown in pesos.
Fixed rate comparison
We use an average reference fixed rate (~11% annual) to show how your balance would have evolved without inflation indexing. This gives you a clear picture of the real cost of the UDIS scheme vs. a peso alternative.
Important limitations
This calculator uses Banxico reference UDIS historical values and market average rates. Results are indicative estimates. Your actual balance depends on the rate agreed in your contract, the specific amortization scheme and your bank's exact UDIS values. For an accurate analysis, consult your statement and your financial institution.