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Hipoteca no Reino Unido

Compare o reembolso do Reino Unido e as estimativas de hipotecas somente de juros em libras, incluindo custos de propriedade inseridos e pagamentos extras.

Moeda da calculadora: GBP

Este modelo usa GBP. Suas preferências de idioma e moeda não alteram as regras regionais.

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
£ 2.422,62
Parcela mensal regular
£ 2.022,62
Valor do empréstimo
£ 320.000,00
Juros totais
£ 408.142,36
Pagamentos totais
£ 728.142,36
Prazo de quitação
360 meses
Entrada
£ 80.000,00
Custos de propriedade durante o empréstimo
£ 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.

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Meu espaço

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

Saldo do empréstimo ao longo do tempo

GBP
Saldo
079,9 mil159,9 mil239,8 mil319,7 mil1180360
Pagamento 360
Saldo£ 0,00

Composição dos pagamentos do empréstimo

GBP

Principal e juros ao longo do prazo do empréstimo.

Total£ 728.142,36
  • Capital£ 320.000,0043,9%
  • Juros£ 408.142,3656,1%

Detalhamento completo

Todas as 360 linhas

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

Deslize horizontalmente para ver mais colunas.
Detalhamento completo · Todas as 360 linhas
PagamentoMêsValor do pagamento (GBP)Capital (GBP)Juros (GBP)Saldo (GBP)
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

Planeje separadamente o saldo de só juros

Um saldo de £240.000 devido em 20 anos exigiria poupar £1.000 por mês sem rendimento. Isso se soma aos juros; a prestação hipotecária reduzida não financia a devolução final do principal.

Hipotecas de pagamento e de juros

Uma hipoteca de reembolso reduz gradualmente o valor devido através de pagamentos programados. Na comparação apenas com juros, o pagamento dos juros não reembolsa por si só o empréstimo original. Compare o saldo deixado no final ao lado do pagamento mensal. Um número mensal menor pode, portanto, deixar uma obrigação final muito maior e alterar a taxa assumida muda ambas as comparações.

Para um empréstimo de 250,000 à taxa anual constante de 5%, o pagamento apenas de juros é 1,041.67 por mês e restam 250,000 a quitar. Tarifas do produto, encargos por antecipação, impostos de compra e mudanças futuras de taxa ficam excluídos, salvo inclusão explícita em campo compatível.

Hipoteca do Reino UnidoFórmula 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.

Comparação apenas de interessesFórmula e pressupostos

Juros mensais=Principal×Taxa anual/12. O principal permanece devido no final.

Este modelo assume uma taxa e equilíbrio constantes. Não inclui um investimento de reembolso ou garantia de que o saldo final será acessível.

Exemplo trabalhado

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

Usando o Hipoteca do Reino Unido 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: £ 2.422,62

Parcela mensal regular: £ 2.022,62

Valor do empréstimo: £ 320.000,00

Juros totais: £ 408.142,36

Pagamentos totais: £ 728.142,36

Prazo de quitação: 360 meses

Entrada: £ 80.000,00

Custos de propriedade durante o empréstimo: £ 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 que acontece com o saldo em uma hipoteca só de juros?

Os juros mensais não pagam o principal. O saldo original permanece devido, a menos que você organize e faça reembolsos de capital separados.

A estimativa do Reino Unido inclui todos os custos de compra?

- Não. Use os campos para custos que o modelo suporta; taxas de carimbo, taxas de produto e condições específicas do credor não são determinadas automaticamente.

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