Calculadora de Hipoteca - Casa de 250k em 15 Anos
Calcule os pagamentos mensais da hipoteca incluindo principal, juros, impostos e seguro.
Calcule os pagamentos mensais da hipoteca incluindo principal, juros, impostos e seguro. Insira seu Preço do imóvel, Entrada, Taxa de juros, Prazo do empréstimo para obter um pagamento mensal instantâneo.
Pagamento mensal
Preencha os campos acima e clique em Calcular
Pagamento mensal
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Como Funciona
How It Works
This mortgage calculator estimates your monthly home loan payment based on the loan amount, interest rate, and loan term. It uses a standard loan formula that spreads your payments evenly over the entire repayment period.
First, it subtracts your down payment from the home price to find the amount you’re borrowing. Then it applies the interest rate and loan term to calculate a fixed monthly payment that covers both the loan balance and the interest.
- Loan Amount = Home Price − Down Payment
- Interest rate is divided by 12 to get a monthly rate
- Loan term in years is converted into total monthly payments
- The formula spreads payments evenly across the full term
Understanding the Results
The result is your estimated monthly mortgage payment. This amount includes both principal (the money you borrowed) and interest (the cost of borrowing).
It does not usually include property taxes, insurance, or HOA fees, so your actual monthly housing cost may be higher. You can adjust the inputs to see how a larger down payment, lower interest rate, or shorter loan term changes your payment.
- Higher interest rates increase your monthly payment
- A larger down payment lowers your monthly payment
- A longer loan term reduces monthly cost but increases total interest paid
- A shorter loan term increases monthly cost but saves on total interest
Aviso Legal
Esta calculadora financeira fornece apenas estimativas. Consulte um consultor financeiro qualificado. Aviso Legal.