Updated August 31, 2026
The scenario
This base case finances BRL 300,000 for 360 months under SAC. Scheduled amortization is approximately constant and the payment declines with the balance and interest.
How to interpret
Use the first payment as the initial peak and sample rows to observe interest being replaced by principal. Total paid is a nominal estimate of the modelled flow.
BCB reference rate for fixed-rate real-estate financing: 2026-07, median of 3 institutions.
Parameters used
- Financed amount
- R$300,000.00
- Term
- 360 months
- Interest rate
- 14.9797% effective per year
- System
- SAC
- Monthly adjustment
- —
- Extra amortization
- —
Calculated results
| Scenario | SAC |
|---|---|
| First payment | R$4,343.33 |
| Last payment | R$844.29 |
| Total interest | R$633,557.33 |
| Total paid | R$933,557.33 |
| Effective term | 360 months |
| Accumulated adjustment | R$0.00 |
Selected installments
| Payment no. | Payment | Interest | Amortization | Closing balance |
|---|---|---|---|---|
| 1 | R$4,343.33 | R$3,510.00 | R$833.33 | R$299,166.67 |
| 12 | R$4,236.08 | R$3,402.75 | R$833.33 | R$290,000.04 |
| 60 | R$3,768.08 | R$2,934.75 | R$833.33 | R$250,000.20 |
| 180 | R$2,598.09 | R$1,764.76 | R$833.33 | R$150,000.60 |
| 360 | R$844.29 | R$9.76 | R$834.53 | R$0.00 |
Limits of this analysis
- Excludes indexation, insurance, fees, taxes and irregular dates.
- The rate is a BCB statistical reference, not an available offer.
Sources and review
- Central Bank of Brazil — credit operation interest rates · July 27, 2026
- Central Bank of Brazil — Citizen Calculator · July 27, 2026