Financiamento Calculator — Brazil
Estimate your monthly financiamento payment in BRL using Brazil's typical rates, and see the full interest cost. No signup, no tracking.
Local rates & providers
SBPE financing ≈ 10–12% p.a., SFH (lower income) ≈ 8–10%. Free market loans ≈ 13–16%. Selic rate 15%. Min 20% down typical. Providers: Caixa, Banco do Brasil, Itaú, Bradesco, Santander.
Reference figures, ~2026. The Banco Central do Brasil (BCB) sets the policy rate; your offered rate depends on your profile, deposit and the lender. Verify current rates before deciding.
Worked example
For every R$1,000,000 borrowed at 12.00% over 20 years:
- Monthly payment: R$11,011
- Total repaid: R$2,642,607
- Total interest: R$1,642,607
Scale this to your loan amount — e.g. R$3,000,000 costs about 3× these figures. A larger deposit and shorter term cut the interest sharply.
Frequently Asked Questions
How is the financiamento payment calculated in Brazil?
Lenders use the reducing-balance formula P × r × (1+r)ⁿ ÷ ((1+r)ⁿ − 1), where P is the loan, r the monthly rate and n the number of months. The fin·calc tool applies the same formula with Brazil's typical rate.
What is the current home loan rate in Brazil?
As a 2026 reference, typical rates are around 12.0% per year, linked to the Banco Central do Brasil (BCB) policy rate. SBPE financing ≈ 10–12% p.a., SFH (lower income) ≈ 8–10%. Free market loans ≈ 13–16%. Selic rate 15%. Min 20% down typical. Providers: Caixa, Banco do Brasil, Itaú, Bradesco, Santander.
How much deposit do I need?
A larger down payment lowers both your rate and total interest, and reduces the lender's risk. Most lenders also add valuation, legal and registration costs on top of the deposit.
Can I reduce the total interest?
Yes — a bigger deposit, a shorter term, and extra or early repayments all cut total interest significantly. Use the prepayment option in the calculator to see your exact saving.