Financiamento Imobiliario Calculator
Financiamento Imobiliario
Calculate monthly payments and total cost of a Brazilian housing finance loan using SAC or PRICE amortization
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Formula
Monthly Payment (PRICE) = Loan x (Rate x (1 + Rate) ^ Months) / ((1 + Rate) ^ Months - 1)
Frequently Asked Questions
What is the difference between SAC and PRICE amortization?
In SAC (Sistema de Amortizacao Constante), monthly payments decrease over time because the principal portion is constant while interest decreases. In PRICE (Tabela Price), payments remain fixed throughout the loan term.
What is the maximum loan term for housing finance in Brazil?
Brazilian banks typically offer housing finance terms up to 35 years. The maximum financed amount is usually 80 percent of the property value, requiring a minimum 20 percent down payment.