Mortgage Loan Calculator (Price vs SAC)

How to use this calculator

1. Enter the property value and the down payment.
2. Choose the term (month(s) or year(s)).
3. Set the interest rate (per year or per month).
4. Select the currency and click Calculate.
5. Use the tabs to switch between Price and SAC.
6. Download the table as CSV or copy the link to share.

Tips for more accurate results

• If the rate is “per year”, keep that option — the calculator converts it to “per month”.
• CET costs (MIP/DFI insurance, appraisal, registry/IOF, admin fees) are not included.
• To compare scenarios, change one field at a time (e.g., only term or only rate).

Important: values are estimates. Banks may apply different conditions (CET, insurance, TR/indexes, fees), so the final loan result may vary.

Price vs SAC: what’s the difference?

In the Price system, installments are fixed; in SAC, principal amortization is constant and installments decrease over time.

• Price: easier monthly planning, but usually more total interest.
• SAC: higher initial installments that decrease, typically saving interest overall.

Want to understand compound interest over time? Try our Compound Interest Calculator.

Practical examples (30% down payment)

In Brazil, banks commonly work with a 30% down payment. That means you finance the remaining 70% (LTV ≈ 70%). A larger down payment reduces the financed amount, total interest and installments — and usually increases approval chances.

Tip: quick estimate — multiply the property value by 0.30 for the down payment and by 0.70 for the financed amount. Example: V = 500,000 → D = 150,000, F = 350,000.