Brezilya konut kredisinde SAC (azalan taksit) ve Price (sabit taksit) sistemlerini, TR endeksini ve zorunlu sigortaları karşılaştırın.
Assessed market or purchase value of property.
Minimum 20% down payment required by SFH/SFI regulations.
Standard term is 30 years (360 months), up to 35 years maximum.
Market benchmark for SBPE mortgage interest rates.
Official statutory index for Brazilian mortgage contracts.
Mandatory MIP/DFI insurance plus bank management fee.
\text{SAC: } A = \frac{P}{n}, \quad PMT_t = A + (P - (t-1)A) \cdot i; \qquad \text{Price: } PMT = P \cdot \frac{i(1+i)^n}{(1+i)^n - 1}In the SAC system, principal amortization is constant every month, resulting in continuously decreasing payments. In the Price system, monthly payments are constant, amortizing principal slower and resulting in significantly higher lifetime interest.
All calculations, amortizations, and scenario projections displayed on this page are strictly for informational and educational purposes. Nothing herein constitutes investment, financial, tax, underwriting, or legal advice. Actual interest rates, closing costs, lender fees, and statutory criteria may vary. Calconova explicitly disclaims all liability for any financial decisions or actions taken based upon these calculations. Users are strongly advised to consult a certified financial planner, CPA, or licensed lending officer prior to executing financial commitments.
Caixa'nın 7 resmi dilimine (%5 ila %50 + ek sabit tutar) göre yıllık Saque-Aniversário çekim tutarını hesaplayın ve 1-10 yıllık kredi avansı simülasyonunu görün.
Brezilya konut kredilerinde toplu ara ödeme simülasyonu yapın. Vade kısaltma ve taksit düşürme arasındaki faiz kazancını FGTS kurallarıyla hesaplayın.
Brezilya MCMV sosyal konut programı simülasyonu: gelir dilimi, 55.000 R$'a varan devlet sübvansiyonu ve düşük faiz oranları.