Compare amortizations side by side

Price x SAC Comparison

Enter the financed amount, the monthly rate, and the term to find out which system charges less interest, how the installments evolve, and which regime fits your planning.

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When to use the comparator

Ideal for simulating real estate financing, vehicle financing, or personal loans before negotiating with banks, cooperatives, and fintechs.

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Price Table

SAC System

Key Differences

How to interpret the results

The "Key Differences" column shows the interest savings generated by the SAC and how the initial installment changes in relation to the Price Table. If the initial cash flow is a priority, check the difference between the first installment of the SAC and the fixed installment of the Price.

Use the consolidated summary to quickly understand how much the SAC reduces in interest and what the leeway is in the last installment. These numbers help to negotiate better conditions or decide whether it is worth paying installments in advance.

Negotiation strategy

  • Ask the bank for official simulations in both systems to compare with the results of the comparator.
  • Negotiate lower rates by presenting the impact of total interest calculated by the SAC.
  • Plan extraordinary amortizations using the schedule and analyze the effect on the outstanding balance.
  • Combine the values with the Compound Interest Calculator to project returns that cover the installments.

Quick tips

When to opt for Price

  • • Budget needs total predictability.
  • • Short-term plans without extra amortizations.
  • • Contracts that already include insurance in the installments.

When to choose SAC

  • • Robust initial cash to support high installment.
  • • Objective of paying less total interest.
  • • Possibility of amortizing with FGTS, bonuses or thirteenth.

Frequently asked questions

See objective answers before closing the contract.

What should I observe when comparing Price and SAC?+

Analyze three factors: the initial installment, the evolution of the installments over time, and the total interest paid. The SAC tends to demand more at the beginning and compensate in lower interest, while the Price maintains the stable installment.

How to interpret the interest savings displayed?+

The highlighted value shows how much less you would pay in interest using the SAC system in relation to the Price Table for the same parameters. It helps to measure the financial impact of opting for decreasing installments.

Can I include insurance and administrative fees in the comparator?+

Yes. Just add these costs to the financed amount before calculating. This approximates the CET and makes the comparison between Price and SAC more faithful to the actual contract.

When does it make sense to choose the Price Table?+

Choose Price when you need constant installments to keep the budget predictable or when the cash at the beginning of the contract is limited. It is common in vehicle financing and personal loans.

And when is the SAC more advantageous?+

The SAC is preferred by those who have cash flow at the beginning and intend to amortize the debt with less interest. It is standard in housing programs and long-term contracts.