Financing the handover balance: SAC or Price
The handover balance with SAC and Price, at the Central Bank average rate.
Result
- First payment
- R$6,856.18
- Last payment
- R$1,638.95
- Total paid
- R$1,529,123.14
- Total interest
- R$944,333.14
- First payment
- R$5,452.61
- Last payment
- R$5,452.61
- Total paid
- R$1,962,939.32
- Total interest
- R$1,378,149.32
With SAC the payment starts higher and goes down; with Price it stays level (with TR, it rises with the TR) and total interest is higher.
Payments over the term
SAC Price (amortizing)
Yearly summary (SAC)
Principal Interest
| Year | SAC: Interest | SAC: Principal | Price (amortizing): Interest | Price (amortizing): Principal | Balance at year end (SAC) | Balance at year end (Price (amortizing)) |
|---|---|---|---|---|---|---|
| 1 | R$61,821.99 | R$19,493.00 | R$62,646.78 | R$2,784.53 | R$565,297.00 | R$582,005.47 |
| 2 | R$59,729.29 | R$19,493.00 | R$62,332.69 | R$3,098.62 | R$545,804.00 | R$578,906.85 |
| 3 | R$57,636.58 | R$19,493.00 | R$61,983.16 | R$3,448.15 | R$526,311.00 | R$575,458.70 |
| 4 | R$55,543.88 | R$19,493.00 | R$61,594.21 | R$3,837.10 | R$506,818.00 | R$571,621.59 |
| 5 | R$53,451.17 | R$19,493.00 | R$61,161.38 | R$4,269.93 | R$487,325.00 | R$567,351.67 |
| 6 | R$51,358.47 | R$19,493.00 | R$60,679.74 | R$4,751.57 | R$467,832.00 | R$562,600.10 |
| 7 | R$49,265.76 | R$19,493.00 | R$60,143.76 | R$5,287.55 | R$448,339.00 | R$557,312.54 |
| 8 | R$47,173.06 | R$19,493.00 | R$59,547.32 | R$5,883.99 | R$428,846.00 | R$551,428.56 |
| 9 | R$45,080.35 | R$19,493.00 | R$58,883.61 | R$6,547.70 | R$409,353.00 | R$544,880.86 |
| 10 | R$42,987.65 | R$19,493.00 | R$58,145.03 | R$7,286.28 | R$389,860.00 | R$537,594.58 |
| 11 | R$40,894.94 | R$19,493.00 | R$57,323.14 | R$8,108.17 | R$370,367.00 | R$529,486.40 |
| 12 | R$38,802.24 | R$19,493.00 | R$56,408.53 | R$9,022.78 | R$350,874.00 | R$520,463.63 |
| 13 | R$36,709.53 | R$19,493.00 | R$55,390.77 | R$10,040.54 | R$331,381.00 | R$510,423.08 |
| 14 | R$34,616.83 | R$19,493.00 | R$54,258.19 | R$11,173.12 | R$311,888.00 | R$499,249.96 |
| 15 | R$32,524.12 | R$19,493.00 | R$52,997.86 | R$12,433.45 | R$292,395.00 | R$486,816.52 |
| 16 | R$30,431.42 | R$19,493.00 | R$51,595.37 | R$13,835.94 | R$272,902.00 | R$472,980.58 |
| 17 | R$28,338.71 | R$19,493.00 | R$50,034.68 | R$15,396.63 | R$253,409.00 | R$457,583.95 |
| 18 | R$26,246.01 | R$19,493.00 | R$48,297.94 | R$17,133.37 | R$233,916.00 | R$440,450.57 |
| 19 | R$24,153.30 | R$19,493.00 | R$46,365.29 | R$19,066.02 | R$214,423.00 | R$421,384.55 |
| 20 | R$22,060.60 | R$19,493.00 | R$44,214.65 | R$21,216.66 | R$194,930.00 | R$400,167.89 |
| 21 | R$19,967.89 | R$19,493.00 | R$41,821.41 | R$23,609.90 | R$175,437.00 | R$376,557.99 |
| 22 | R$17,875.19 | R$19,493.00 | R$39,158.21 | R$26,273.10 | R$155,944.00 | R$350,284.89 |
| 23 | R$15,782.48 | R$19,493.00 | R$36,194.60 | R$29,236.71 | R$136,451.00 | R$321,048.18 |
| 24 | R$13,689.78 | R$19,493.00 | R$32,896.70 | R$32,534.61 | R$116,958.00 | R$288,513.57 |
| 25 | R$11,597.07 | R$19,493.00 | R$29,226.80 | R$36,204.51 | R$97,465.00 | R$252,309.06 |
| 26 | R$9,504.37 | R$19,493.00 | R$25,142.93 | R$40,288.38 | R$77,972.00 | R$212,020.68 |
| 27 | R$7,411.66 | R$19,493.00 | R$20,598.40 | R$44,832.91 | R$58,479.00 | R$167,187.77 |
| 28 | R$5,318.96 | R$19,493.00 | R$15,541.25 | R$49,890.06 | R$38,986.00 | R$117,297.71 |
| 29 | R$3,226.25 | R$19,493.00 | R$9,913.65 | R$55,517.66 | R$19,493.00 | R$61,780.05 |
| 30 | R$1,133.55 | R$19,493.00 | R$3,651.26 | R$61,780.05 | R$0.00 | R$0.00 |
See the month-by-month table
Simulation using the assumptions above and public data as of the date shown. It is not a promise of return, appreciation or price. Past returns do not guarantee future returns. Taxes, rates and registry fees change by law: confirm with the city hall, the registry office (cartório) and an accountant before deciding.
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How the math works
The annual rate becomes monthly (effective: (1 + rate)^(1/12) - 1; nominal: rate ÷ 12). Each month the balance is adjusted by the TR (if you tick it), interest is the balance times the monthly rate, and:
- SAC (constant amortization): principal is the balance divided by the remaining months; the payment starts higher and goes down.
- Price (amortizing, level payment): the payment is the same every month (without TR).
MIP and DFI insurance and the monthly fee go into the total payment; copy them from the bank's offer. Home loans for foreigners in Brazil depend on each bank: check first.
Where the numbers come from
| Figure | Value | Source | Date |
|---|---|---|---|
| 12-month average TR | 0.1653% a.m. | Central Bank of Brazil, SGS 7811 | 01/10/2026 |
| Home loans, overall average | 11.28% a.a. | Central Bank of Brazil, SGS 20774 | August 2026 |
| Home loans, regulated rates (SFH) | 10.91% a.a. | Central Bank of Brazil, SGS 20773 | August 2026 |
| Home loans, market rates | 14.24% a.a. | Central Bank of Brazil, SGS 20772 | August 2026 |
| PTAX euro and dollar (sell) | € 1 = R$ 5.8815; US$ 1 = R$ 5.2238 | Central Bank of Brazil, PTAX | 10/2/2026 |
Central Bank of Brazil series read on 10/4/2026.
Frequently asked questions
SAC or Price: which is better?
With SAC the first payment is higher and total interest is lower; with Price the payment starts lower and stays level, but total interest is higher.
What is the average home loan rate in Brazil?
According to the Central Bank of Brazil, 11.28% a year in August 2026 (overall average for individuals).
Can I simulate the handover balance of my off-plan unit?
Yes. In the INCC calculator, the "Simulate financing the handover balance" button brings the adjusted balance here.