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Hipoteca

Estimativa de pagamentos de hipotecas de taxa fixa e custos de propriedade, e comparar pagamentos mensais, anuais ou datados extra principal.

Moeda: BRL

Insira todos os valores em BRL. A troca de moeda mantém os números; nenhuma taxa de câmbio é aplicada.

Seus dados

Pagamentos extras e outras premissas
Mês do primeiro pagamento

Os cálculos são feitos no navegador. Não é necessário ter conta.

RESULTADO DE EXEMPLOCalculado no dispositivo
Custo inicial mensal de propriedade
R$ 2.422,62
Parcela mensal regular
R$ 2.022,62
Valor do empréstimo
R$ 320.000,00
Juros totais
R$ 408.142,36
Pagamentos totais
R$ 728.142,36
Prazo de quitação
360 meses
Entrada
R$ 80.000,00
Custos de propriedade durante o empréstimo
R$ 144.000,00

Sobre este resultado

O custo de propriedade exclui pagamentos adicionais de principal. A entrada de seguros permanece constante, exceto para o crescimento inserido; cancelamento de seguro hipotecário não é automático.

Ir para a tabela completa
Meu espaço

Calcule com seus dados para salvar um resultado ou comparar cenários.

Saldo do empréstimo ao longo do tempo

BRL
Saldo
079,9 mil159,9 mil239,8 mil319,7 mil1180360
Pagamento 360
SaldoR$ 0,00

Composição dos pagamentos do empréstimo

BRL

Principal e juros ao longo do prazo do empréstimo.

TotalR$ 728.142,36
  • CapitalR$ 320.000,0043,9%
  • JurosR$ 408.142,3656,1%

Detalhamento completo

Todas as 360 linhas

O cálculo completo, linha por linha. Valores em BRL.

Deslize horizontalmente para ver mais colunas.
Detalhamento completo · Todas as 360 linhas
PagamentoMêsValor do pagamento (BRL)Capital (BRL)Juros (BRL)Saldo (BRL)
12026-112.022,62289,281.733,33319.710,72
22026-122.022,62290,851.731,77319.419,86
32027-012.022,62292,431.730,19319.127,44
42027-022.022,62294,011.728,61318.833,43
52027-032.022,62295,601.727,01318.537,82
62027-042.022,62297,201.725,41318.240,62
72027-052.022,62298,811.723,80317.941,80
82027-062.022,62300,431.722,18317.641,37
92027-072.022,62302,061.720,56317.339,31
102027-082.022,62303,701.718,92317.035,62
112027-092.022,62305,341.717,28316.730,27
122027-102.022,62307,001.715,62316.423,28
132027-112.022,62308,661.713,96316.114,62
142027-122.022,62310,331.712,29315.804,29
152028-012.022,62312,011.710,61315.492,28
162028-022.022,62313,701.708,92315.178,58
172028-032.022,62315,401.707,22314.863,18
182028-042.022,62317,111.705,51314.546,07
192028-052.022,62318,831.703,79314.227,24
202028-062.022,62320,551.702,06313.906,69
212028-072.022,62322,291.700,33313.584,40
222028-082.022,62324,041.698,58313.260,36
232028-092.022,62325,791.696,83312.934,57
242028-102.022,62327,561.695,06312.607,02
252028-112.022,62329,331.693,29312.277,69
262028-122.022,62331,111.691,50311.946,57
272029-012.022,62332,911.689,71311.613,67
282029-022.022,62334,711.687,91311.278,96
292029-032.022,62336,521.686,09310.942,43
302029-042.022,62338,351.684,27310.604,09
312029-052.022,62340,181.682,44310.263,91
322029-062.022,62342,021.680,60309.921,89
332029-072.022,62343,871.678,74309.578,01
342029-082.022,62345,741.676,88309.232,28
352029-092.022,62347,611.675,01308.884,67
362029-102.022,62349,491.673,13308.535,17
372029-112.022,62351,391.671,23308.183,79
382029-122.022,62353,291.669,33307.830,50
392030-012.022,62355,201.667,42307.475,30
402030-022.022,62357,131.665,49307.118,17
412030-032.022,62359,061.663,56306.759,11
422030-042.022,62361,011.661,61306.398,10
432030-052.022,62362,961.659,66306.035,14
442030-062.022,62364,931.657,69305.670,22
452030-072.022,62366,901.655,71305.303,31
462030-082.022,62368,891.653,73304.934,42
472030-092.022,62370,891.651,73304.563,53
482030-102.022,62372,901.649,72304.190,63
492030-112.022,62374,921.647,70303.815,71
502030-122.022,62376,951.645,67303.438,76
512031-012.022,62378,991.643,63303.059,77
522031-022.022,62381,041.641,57302.678,73
532031-032.022,62383,111.639,51302.295,62
542031-042.022,62385,181.637,43301.910,44
552031-052.022,62387,271.635,35301.523,17
562031-062.022,62389,371.633,25301.133,80
572031-072.022,62391,481.631,14300.742,33
582031-082.022,62393,601.629,02300.348,73
592031-092.022,62395,731.626,89299.953,00
602031-102.022,62397,871.624,75299.555,13
612031-112.022,62400,031.622,59299.155,10
622031-122.022,62402,191.620,42298.752,91
632032-012.022,62404,371.618,24298.348,53
642032-022.022,62406,561.616,05297.941,97
652032-032.022,62408,771.613,85297.533,20
662032-042.022,62410,981.611,64297.122,23
672032-052.022,62413,211.609,41296.709,02
682032-062.022,62415,441.607,17296.293,58
692032-072.022,62417,691.604,92295.875,88
702032-082.022,62419,961.602,66295.455,93
712032-092.022,62422,231.600,39295.033,69
722032-102.022,62424,521.598,10294.609,18
732032-112.022,62426,821.595,80294.182,36
742032-122.022,62429,131.593,49293.753,23
752033-012.022,62431,451.591,16293.321,77
762033-022.022,62433,791.588,83292.887,98
772033-032.022,62436,141.586,48292.451,84
782033-042.022,62438,501.584,11292.013,34
792033-052.022,62440,881.581,74291.572,46
802033-062.022,62443,271.579,35291.129,19
812033-072.022,62445,671.576,95290.683,52
822033-082.022,62448,081.574,54290.235,44
832033-092.022,62450,511.572,11289.784,93
842033-102.022,62452,951.569,67289.331,98
852033-112.022,62455,401.567,21288.876,58
862033-122.022,62457,871.564,75288.418,71
872034-012.022,62460,351.562,27287.958,36
882034-022.022,62462,841.559,77287.495,52
892034-032.022,62465,351.557,27287.030,17
902034-042.022,62467,871.554,75286.562,30
912034-052.022,62470,411.552,21286.091,89
922034-062.022,62472,951.549,66285.618,94
932034-072.022,62475,521.547,10285.143,42
942034-082.022,62478,091.544,53284.665,33
952034-092.022,62480,681.541,94284.184,65
962034-102.022,62483,281.539,33283.701,37
972034-112.022,62485,901.536,72283.215,47
982034-122.022,62488,531.534,08282.726,93
992035-012.022,62491,181.531,44282.235,75
1002035-022.022,62493,841.528,78281.741,91
1012035-032.022,62496,521.526,10281.245,40
1022035-042.022,62499,211.523,41280.746,19
1032035-052.022,62501,911.520,71280.244,28
1042035-062.022,62504,631.517,99279.739,65
1052035-072.022,62507,361.515,26279.232,29
1062035-082.022,62510,111.512,51278.722,18
1072035-092.022,62512,871.509,75278.209,31
1082035-102.022,62515,651.506,97277.693,66
1092035-112.022,62518,441.504,17277.175,22
1102035-122.022,62521,251.501,37276.653,96
1112036-012.022,62524,081.498,54276.129,89
1122036-022.022,62526,911.495,70275.602,97
1132036-032.022,62529,771.492,85275.073,21
1142036-042.022,62532,641.489,98274.540,57
1152036-052.022,62535,521.487,09274.005,05
1162036-062.022,62538,421.484,19273.466,62
1172036-072.022,62541,341.481,28272.925,28
1182036-082.022,62544,271.478,35272.381,01
1192036-092.022,62547,221.475,40271.833,79
1202036-102.022,62550,181.472,43271.283,60
1212036-112.022,62553,161.469,45270.730,44
1222036-122.022,62556,161.466,46270.174,28
1232037-012.022,62559,171.463,44269.615,10
1242037-022.022,62562,201.460,42269.052,90
1252037-032.022,62565,251.457,37268.487,65
1262037-042.022,62568,311.454,31267.919,34
1272037-052.022,62571,391.451,23267.347,96
1282037-062.022,62574,481.448,13266.773,47
1292037-072.022,62577,591.445,02266.195,88
1302037-082.022,62580,721.441,89265.615,16
1312037-092.022,62583,871.438,75265.031,29
1322037-102.022,62587,031.435,59264.444,26
1332037-112.022,62590,211.432,41263.854,04
1342037-122.022,62593,411.429,21263.260,64
1352038-012.022,62596,621.426,00262.664,01
1362038-022.022,62599,851.422,76262.064,16
1372038-032.022,62603,101.419,51261.461,06
1382038-042.022,62606,371.416,25260.854,69
1392038-052.022,62609,651.412,96260.245,03
1402038-062.022,62612,961.409,66259.632,07
1412038-072.022,62616,281.406,34259.015,80
1422038-082.022,62619,621.403,00258.396,18
1432038-092.022,62622,971.399,65257.773,21
1442038-102.022,62626,351.396,27257.146,86
1452038-112.022,62629,741.392,88256.517,12
1462038-122.022,62633,151.389,47255.883,97
1472039-012.022,62636,581.386,04255.247,39
1482039-022.022,62640,031.382,59254.607,37
1492039-032.022,62643,491.379,12253.963,87
1502039-042.022,62646,981.375,64253.316,89
1512039-052.022,62650,481.372,13252.666,41
1522039-062.022,62654,011.368,61252.012,40
1532039-072.022,62657,551.365,07251.354,85
1542039-082.022,62661,111.361,51250.693,74
1552039-092.022,62664,691.357,92250.029,04
1562039-102.022,62668,291.354,32249.360,75
1572039-112.022,62671,911.350,70248.688,84
1582039-122.022,62675,551.347,06248.013,28
1592040-012.022,62679,211.343,41247.334,07
1602040-022.022,62682,891.339,73246.651,18
1612040-032.022,62686,591.336,03245.964,59
1622040-042.022,62690,311.332,31245.274,28
1632040-052.022,62694,051.328,57244.580,23
1642040-062.022,62697,811.324,81243.882,42
1652040-072.022,62701,591.321,03243.180,84
1662040-082.022,62705,391.317,23242.475,45
1672040-092.022,62709,211.313,41241.766,24
1682040-102.022,62713,051.309,57241.053,19
1692040-112.022,62716,911.305,70240.336,27
1702040-122.022,62720,801.301,82239.615,48
1712041-012.022,62724,701.297,92238.890,78
1722041-022.022,62728,631.293,99238.162,15
1732041-032.022,62732,571.290,04237.429,58
1742041-042.022,62736,541.286,08236.693,04
1752041-052.022,62740,531.282,09235.952,51
1762041-062.022,62744,541.278,08235.207,97
1772041-072.022,62748,571.274,04234.459,39
1782041-082.022,62752,631.269,99233.706,76
1792041-092.022,62756,711.265,91232.950,06
1802041-102.022,62760,801.261,81232.189,25
1812041-112.022,62764,931.257,69231.424,33
1822041-122.022,62769,071.253,55230.655,26
1832042-012.022,62773,241.249,38229.882,02
1842042-022.022,62777,421.245,19229.104,60
1852042-032.022,62781,631.240,98228.322,96
1862042-042.022,62785,871.236,75227.537,10
1872042-052.022,62790,131.232,49226.746,97
1882042-062.022,62794,401.228,21225.952,57
1892042-072.022,62798,711.223,91225.153,86
1902042-082.022,62803,031.219,58224.350,82
1912042-092.022,62807,381.215,23223.543,44
1922042-102.022,62811,761.210,86222.731,68
1932042-112.022,62816,151.206,46221.915,53
1942042-122.022,62820,581.202,04221.094,95
1952043-012.022,62825,021.197,60220.269,93
1962043-022.022,62829,491.193,13219.440,44
1972043-032.022,62833,981.188,64218.606,46
1982043-042.022,62838,501.184,12217.767,96
1992043-052.022,62843,041.179,58216.924,92
2002043-062.022,62847,611.175,01216.077,31
2012043-072.022,62852,201.170,42215.225,11
2022043-082.022,62856,811.165,80214.368,30
2032043-092.022,62861,461.161,16213.506,84
2042043-102.022,62866,121.156,50212.640,72
2052043-112.022,62870,811.151,80211.769,91
2062043-122.022,62875,531.147,09210.894,38
2072044-012.022,62880,271.142,34210.014,10
2082044-022.022,62885,041.137,58209.129,06
2092044-032.022,62889,841.132,78208.239,23
2102044-042.022,62894,661.127,96207.344,57
2112044-052.022,62899,501.123,12206.445,07
2122044-062.022,62904,371.118,24205.540,70
2132044-072.022,62909,271.113,35204.631,42
2142044-082.022,62914,201.108,42203.717,23
2152044-092.022,62919,151.103,47202.798,08
2162044-102.022,62924,131.098,49201.873,95
2172044-112.022,62929,131.093,48200.944,82
2182044-122.022,62934,171.088,45200.010,65
2192045-012.022,62939,231.083,39199.071,42
2202045-022.022,62944,311.078,30198.127,11
2212045-032.022,62949,431.073,19197.177,68
2222045-042.022,62954,571.068,05196.223,11
2232045-052.022,62959,741.062,88195.263,37
2242045-062.022,62964,941.057,68194.298,42
2252045-072.022,62970,171.052,45193.328,26
2262045-082.022,62975,421.047,19192.352,83
2272045-092.022,62980,711.041,91191.372,13
2282045-102.022,62986,021.036,60190.386,11
2292045-112.022,62991,361.031,26189.394,75
2302045-122.022,62996,731.025,89188.398,02
2312046-012.022,621.002,131.020,49187.395,89
2322046-022.022,621.007,561.015,06186.388,33
2332046-032.022,621.013,011.009,60185.375,32
2342046-042.022,621.018,501.004,12184.356,82
2352046-052.022,621.024,02998,60183.332,80
2362046-062.022,621.029,57993,05182.303,24
2372046-072.022,621.035,14987,48181.268,09
2382046-082.022,621.040,75981,87180.227,34
2392046-092.022,621.046,39976,23179.180,96
2402046-102.022,621.052,05970,56178.128,90
2412046-112.022,621.057,75964,86177.071,15
2422046-122.022,621.063,48959,14176.007,67
2432047-012.022,621.069,24953,37174.938,43
2442047-022.022,621.075,03947,58173.863,39
2452047-032.022,621.080,86941,76172.782,53
2462047-042.022,621.086,71935,91171.695,82
2472047-052.022,621.092,60930,02170.603,22
2482047-062.022,621.098,52924,10169.504,71
2492047-072.022,621.104,47918,15168.400,24
2502047-082.022,621.110,45912,17167.289,79
2512047-092.022,621.116,46906,15166.173,32
2522047-102.022,621.122,51900,11165.050,81
2532047-112.022,621.128,59894,03163.922,22
2542047-122.022,621.134,71887,91162.787,51
2552048-012.022,621.140,85881,77161.646,66
2562048-022.022,621.147,03875,59160.499,63
2572048-032.022,621.153,24869,37159.346,39
2582048-042.022,621.159,49863,13158.186,89
2592048-052.022,621.165,77856,85157.021,12
2602048-062.022,621.172,09850,53155.849,04
2612048-072.022,621.178,44844,18154.670,60
2622048-082.022,621.184,82837,80153.485,78
2632048-092.022,621.191,24831,38152.294,55
2642048-102.022,621.197,69824,93151.096,86
2652048-112.022,621.204,18818,44149.892,68
2662048-122.022,621.210,70811,92148.681,98
2672049-012.022,621.217,26805,36147.464,72
2682049-022.022,621.223,85798,77146.240,87
2692049-032.022,621.230,48792,14145.010,39
2702049-042.022,621.237,14785,47143.773,25
2712049-052.022,621.243,85778,77142.529,40
2722049-062.022,621.250,58772,03141.278,82
2732049-072.022,621.257,36765,26140.021,46
2742049-082.022,621.264,17758,45138.757,30
2752049-092.022,621.271,02751,60137.486,28
2762049-102.022,621.277,90744,72136.208,38
2772049-112.022,621.284,82737,80134.923,56
2782049-122.022,621.291,78730,84133.631,78
2792050-012.022,621.298,78723,84132.333,00
2802050-022.022,621.305,81716,80131.027,18
2812050-032.022,621.312,89709,73129.714,30
2822050-042.022,621.320,00702,62128.394,30
2832050-052.022,621.327,15695,47127.067,15
2842050-062.022,621.334,34688,28125.732,81
2852050-072.022,621.341,56681,05124.391,25
2862050-082.022,621.348,83673,79123.042,41
2872050-092.022,621.356,14666,48121.686,28
2882050-102.022,621.363,48659,13120.322,79
2892050-112.022,621.370,87651,75118.951,92
2902050-122.022,621.378,29644,32117.573,63
2912051-012.022,621.385,76636,86116.187,87
2922051-022.022,621.393,27629,35114.794,60
2932051-032.022,621.400,81621,80113.393,79
2942051-042.022,621.408,40614,22111.985,39
2952051-052.022,621.416,03606,59110.569,36
2962051-062.022,621.423,70598,92109.145,66
2972051-072.022,621.431,41591,21107.714,24
2982051-082.022,621.439,17583,45106.275,08
2992051-092.022,621.446,96575,66104.828,12
3002051-102.022,621.454,80567,82103.373,32
3012051-112.022,621.462,68559,94101.910,64
3022051-122.022,621.470,60552,02100.440,04
3032052-012.022,621.478,57544,0598.961,47
3042052-022.022,621.486,58536,0497.474,89
3052052-032.022,621.494,63527,9995.980,27
3062052-042.022,621.502,72519,8994.477,54
3072052-052.022,621.510,86511,7592.966,68
3082052-062.022,621.519,05503,5791.447,63
3092052-072.022,621.527,28495,3489.920,35
3102052-082.022,621.535,55487,0788.384,80
3112052-092.022,621.543,87478,7586.840,94
3122052-102.022,621.552,23470,3985.288,71
3132052-112.022,621.560,64461,9883.728,07
3142052-122.022,621.569,09453,5382.158,98
3152053-012.022,621.577,59445,0380.581,39
3162053-022.022,621.586,14436,4878.995,25
3172053-032.022,621.594,73427,8977.400,53
3182053-042.022,621.603,36419,2575.797,16
3192053-052.022,621.612,05410,5774.185,11
3202053-062.022,621.620,78401,8472.564,33
3212053-072.022,621.629,56393,0670.934,77
3222053-082.022,621.638,39384,2369.296,38
3232053-092.022,621.647,26375,3667.649,12
3242053-102.022,621.656,18366,4365.992,94
3252053-112.022,621.665,16357,4664.327,78
3262053-122.022,621.674,18348,4462.653,60
3272054-012.022,621.683,24339,3760.970,36
3282054-022.022,621.692,36330,2659.278,00
3292054-032.022,621.701,53321,0957.576,47
3302054-042.022,621.710,75311,8755.865,73
3312054-052.022,621.720,01302,6154.145,71
3322054-062.022,621.729,33293,2952.416,38
3332054-072.022,621.738,70283,9250.677,69
3342054-082.022,621.748,11274,5048.929,58
3352054-092.022,621.757,58265,0447.171,99
3362054-102.022,621.767,10255,5145.404,89
3372054-112.022,621.776,67245,9443.628,22
3382054-122.022,621.786,30236,3241.841,92
3392055-012.022,621.795,97226,6440.045,94
3402055-022.022,621.805,70216,9238.240,24
3412055-032.022,621.815,48207,1336.424,76
3422055-042.022,621.825,32197,3034.599,44
3432055-052.022,621.835,20187,4132.764,24
3442055-062.022,621.845,14177,4730.919,09
3452055-072.022,621.855,14167,4829.063,95
3462055-082.022,621.865,19157,4327.198,77
3472055-092.022,621.875,29147,3325.323,47
3482055-102.022,621.885,45137,1723.438,03
3492055-112.022,621.895,66126,9621.542,36
3502055-122.022,621.905,93116,6919.636,43
3512056-012.022,621.916,25106,3617.720,18
3522056-022.022,621.926,6395,9815.793,55
3532056-032.022,621.937,0785,5513.856,48
3542056-042.022,621.947,5675,0611.908,92
3552056-052.022,621.958,1164,519.950,81
3562056-062.022,621.968,7253,907.982,09
3572056-072.022,621.979,3843,246.002,71
3582056-082.022,621.990,1032,514.012,60
3592056-092.022,622.000,8821,732.011,72
3602056-102.022,622.011,7210,900,00

Como funciona

Uma distinção útil

Uma parcela fixa pode esconder custos crescentes

Mantenha a taxa hipotecária fixa, mas atribua crescimento anual a imposto imobiliário e seguro. Principal e juros seguem o cronograma enquanto o orçamento aumenta; compare custos futuros com o total do primeiro mês.

Comparando pagamentos hipotecários e custos de propriedade

A prestação do financiamento imobiliário é apenas uma parte do custo de ter uma casa. Compare o pagamento de principal e juros com a planilha de custos de propriedade antes de decidir o que cabe no orçamento mensal. Alterar a entrada muda o valor financiado; alterar o prazo distribui a quitação por um período diferente. Mantenha as mesmas hipóteses de preço de compra e taxa de juros ao comparar cenários.

Hipoteca dos EUAFórmula e pressupostos

Empréstimo = preço × (1−down%). Pagamento mensal = Pr/[1−(1+r)^−n].

O cronograma assume uma taxa de juros fixa durante o período de amortização inserido. Os custos de propriedade são monitorados separadamente do principal do empréstimo e dos juros.

Pagamentos extras por calendárioFórmula e pressupostos

Pagamento = Principal / anuidade fator presente-valor. Cada mês aplica juros, pagamento programado e, em seguida, extras.

Extras mensais, anuais e datados são combinados. O pagamento final é limitado à dívida devida. Compare o retorno real e juros com uma linha de base de pagamento inalterada.

Entrada e custos do imóvelFórmula e pressupostos

y custo y ano = Custo normalizado do primeiro ano × (1+seu crescimento)^(y−1).

Os custos percentuais usam o preço original, com o crescimento aplicado uma vez ao custo. Esta planilha separa as despesas de propriedade do principal do empréstimo e dos juros.

Pagamentos acelerados a cada duas semanas com saldo estimadoFórmula e pressupostos

parcela acelerada = pagamento mensal / 2. Fator de interesse por intervalo = (1+APR/12)^(12/26).

Isso usa 26 períodos de juros iguais por ano. O principal atual pode ser inferido a partir de termos originais ou um par de pagamento / permanência. A coleta e postagem de empréstimos podem ser diferentes.

Exemplo trabalhado

Moeda de exemplo de referência: USD. Estes exemplos fixos não mudam com as preferências da calculadora.

Usando o Hipoteca dos EUA Exemplo:

Dados
Preço do imóvel ($)
400000
Entrada (%)
20
Taxa de juros anual (%)
6.5
Prazo (anos)
30
Imposto anual sobre imóvel ($)
3600
Seguro residencial anual ($)
1200
Seguro hipotecário mensal ($)
0
Taxas mensais de condomínio ($)
0
Outros custos mensais do imóvel ($)
0
Aumento anual do imposto (%)
0
Aumento anual do seguro (%)
0
Aumento anual do condomínio (%)
0
Amortização extra mensal ($)
0
Amortização extra anual ($)
0
Amortização extra única ($)
0
Mês do pagamento único
12
Mês do primeiro pagamento
2026-11-01
Método

Empréstimo = preço × (1−down%). Pagamento mensal = Pr/[1−(1+r)^−n].

Resultado

Resultado do exemplo

Custo inicial mensal de propriedade: US$ 2.422,62

Parcela mensal regular: US$ 2.022,62

Valor do empréstimo: US$ 320.000,00

Juros totais: US$ 408.142,36

Pagamentos totais: US$ 728.142,36

Prazo de quitação: 360 meses

Entrada: US$ 80.000,00

Custos de propriedade durante o empréstimo: US$ 144.000,00

  • O custo de propriedade exclui pagamentos adicionais de principal. A entrada de seguros permanece constante, exceto para o crescimento inserido; cancelamento de seguro hipotecário não é automático.

São inputs ilustrativos. Mude os valores para explorar um cenário diferente.

O que ter em mente

Esta é uma estimativa, não uma oferta de empréstimo. Impostos, seguros, cancelamento de seguro hipotecário, termos de renovação e taxas dependem do seu acordo.

Referências das fórmulas

As referências explicam os métodos subjacentes; elas não implicam endosso ou revisão profissional individual do Finflo.

Perguntas comuns

O pagamento da hipoteca é o mesmo que o meu custo total de habitação?

O principal e os juros reembolsam o empréstimo. A planilha de custo de propriedade aceita separadamente custos anuais ou mensais e porcentagens do preço de compra original, com pressupostos de crescimento independentes.

Um pagamento extra reduzirá automaticamente os pagamentos mensais futuros?

O cronograma aplica dinheiro extra ao principal e reduz o reembolso. Não modela uma reformulação aprovada pelo credor do pagamento agendado.

Posso comparar extras datados e um horário quinzenal?

Use pagamentos extras baseados em calendário para adições principais datadas. O modo bisemanal acelerado usa 26 períodos de juros iguais, que podem diferir do cronograma de postagem real do seu credor.

Preparado pelo Finflo. Nossa metodologia · Política editorial · Aviso legal