La Mare Tool

Mortgage Simulator

Compare SAC and PRICE tables, acquisition costs and investment returns. Simulate in real time.

CRECI/SC·11654-J

Parameters

Property ValueR$ 1.000.000
Down Payment — 20% (R$ 200.000)20%
Term — 30 years30 years
Annual Rate — 10,49%10,49%

Compare by bank

Reference rates — updated Sep/26. Confirm conditions with each bank.

Acquisition Costs (SC)

ITBI (3%)R$ 15.000
Notary feesR$ 10.000
Property registrationR$ 5.000
Total costsR$ 30.000
Total investedR$ 230.000

1st Installment

R$ 9.215,56

Last Installment

R$ 2.241,65

Total paid: R$ 2.062.296,67·Interest: R$ 1.262.296,67

SAC = constant amortization, decreasing installments. Ideal for those who want to pay off quickly.

Comparison — R$ 1.000.000 over 5 years

Property (appreciation + rent)R$ 1.762.341,68 (~12% p.a.)
CDI/CDB 100%R$ 1.916.984,58 (13,90% p.a.)
Savings AccountR$ 1.585.050,78 (9,65% p.a.)
✦

La Mare AI Analysis

Click "Generate analysis" to get personalized insights from La Mare AI on this simulation.

Ready to take the next step?

Our specialist analyzes your financing capacity and finds the ideal property for you.

Talk to a specialist