Brazil Mortgage Calculator (PRICE, SAC & Hybrid)

This calculator models Brazilian mortgages using three lender-style systems: PRICE (annuity), SAC (constant amortization), and a hybrid structure. Choose the format, enter your loan details, and see payments, total interest, and a full amortization schedule.

Brazil format Property price (BRL) Down payment (BRL) Loan term (years)

Annual interest rate (%) Payment frequency Annual property tax (IPTU) Annual homeowners insurance

Monthly condo / maintenance Extra monthly payment (principal) Hybrid: SAC years (for HYBRID only) Estimated start date

Tip: Switch between PRICE and SAC to see how payment shape and total interest change.

Brazil formats: PRICE uses constant payments (parcelas fixas). SAC uses constant amortization with declining payments. Hybrid applies SAC for the chosen years, then switches to PRICE on the remaining balance and term.

Legal
Information on this site is for educational purposes only and is not financial, tax, or legal advice. Calculations are estimates and may not reflect actual lender results.