How is a mortgage calculated?

A mortgage is calculated using either the annuity or differentiated payment formula, depending on the selected payment type. The calculation includes the loan amount, interest rate, and loan term.

What is the difference between annuity and differentiated payments?

Annuity payment - fixed amount each month. Differentiated payment decreases over time: payments are higher at the beginning of the term and lower towards the end.

How can I reduce mortgage overpayment?

Increase your down payment, consider early repayment, compare bank offers, and choose a differentiated payment plan.

Simulador de Crédito Habitação

Calcule a sua hipoteca online: prestação mensal, juros totais e calendário de pagamentos. Cálculo preciso com todos os parâmetros.

🔒 Apenas do lado do cliente

Todos os cálculos são efetuados no seu navegador. Os seus dados mantêm-se confidenciais e não são enviados para servidores.

Montante do Empréstimo 5,000,000 ₽

₽

Entrada 1,000,000 ₽ (20%)

Prazo do Empréstimo 20 years (240 mos.)

anos

Taxa de Juro 9.5%

Payment Type

Monthly Payment

24,762 ₽

Annuity payment - equal amount each month

Total Payment

5,942,880 ₽

Total Interest

1,942,880 ₽

32.7% of loan

Payment Schedule

Principal

Interest

💡 How to Reduce Overpayment?

Save on your mortgage with these strategies:

• Increase down payment - reduces loan amount and interest rate
• Consider early repayment - reduces total interest
• Compare bank offers - rates can differ by 2-3%
• Choose differentiated payment - lower interest in early months

⚠️ Calculation is for reference only. For exact calculation, contact your bank. Rates may vary depending on lending conditions.

Simulador de Crédito Habitação

🔒 Apenas do lado do cliente

Monthly Payment

Total Payment

Total Interest

Payment Schedule

💡 How to Reduce Overpayment?

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