Brazil Mortgage Calculator: Installment and Total Interest
Enter the property value, down payment, rate and term to see the installment and total interest of the financing.
The financed amount is only the start of the math: the term and the amortization system (PRICE or SAC) change how much total interest you pay quite a lot. This calculator already deducts the down payment and shows the full amortization table.
The bigger the down payment, the smaller the financed amount and the total interest.
Check the rate in your contract or bank quote. As a % per month.
Brazilian mortgages can run up to 420 months (35 years).
Bigger installment at first, decreasing over time — the most common system for Brazilian home loans.
Educational simulation. The real total cost of a Brazilian mortgage includes mandatory insurance (MIP and DFI), appraisal fees and other charges not included here. Check with your bank before signing.
PRICE and SAC formulas checked on 2026-09, per Brazil's Central Bank standard.
Mortgage questions
PRICE or SAC: which should I choose for a home loan?
With SAC you pay more upfront but less total interest — usually the cheaper option if you can afford the higher starting installment. With PRICE the installment stays the same throughout, which makes budgeting easier, but total interest tends to be higher.
What's the maximum term for a mortgage in Brazil?
Most banks allow up to 420 months (35 years), within the limits of Brazil's Housing Finance System (SFH). The exact term depends on the buyer's age and each bank's policy.
How much down payment do I need?
There's no single minimum — it depends on the bank and the financing program. The bigger the down payment, the smaller the financed amount and, as a result, the less total interest you pay.
Is this the exact amount I'll pay the bank?
It's an estimate of principal and interest only. The real installment also includes mandatory insurance (MIP and DFI) and administrative fees, which add to the final amount beyond what's calculated here.