Resposta: Informe o preço do imóvel, a entrada, a taxa e o prazo e a Calculadora de hipoteca retorna sua parcela mensal exata com a tabela de amortização completa de principal versus juros.
Uma calculadora de hipoteca estima sua parcela mensal do financiamento imobiliário combinando valor do empréstimo, taxa de juros e prazo, e mostra quanto de cada parcela vai para principal versus juros.
Estime sua parcela mensal de hipoteca com impostos e seguro
Sua parcela mensal de hipoteca normalmente inclui quatro componentes, conhecidos como PITI:Principal, Iuros,Tmpostos eIseguro. O principal é a parte que de fato quita seu empréstimo. Os juros são a cobrança do credor sobre o saldo devedor. Impostos e seguro não vão para o credor; são recolhidos mensalmente numa conta de depósito (escrow) e pagos à prefeitura e à seguradora quando as contas vencem.
The split shifts dramatically over time. Early on, most of your check services interest, because the balance is at its largest. On a $320,000 loan at 6.5%, the very first payment is $1,733 of interest and just $289 of principal. Each month the balance drops a little, the interest charge shrinks, and more of the same payment goes to principal. That slow flip is called amortization, and the schedule below the results shows it year by year.
M = P × [r(1+r)^n] / [(1+r)^n - 1]
Where: M = Monthly payment, P = Principal (loan amount), r = Monthly interest rate (annual rate ÷ 12), n = Total number of payments. For a 30-year loan, n is 360; for a 15-year loan, 180. The formula only covers principal and interest; taxes and insurance are added on top, which is why this calculator asks for all four inputs.
Take the calculator's defaults: a $400,000 home with $80,000 down (20%, so no PMI), a 6.5% rate, and a 30-year term. The loan is $320,000. Run it through the formula and principal-plus-interest comes out to $2,023 a month. Property tax at 1.1% of the home's value adds $367 a month, and a $1,400-a-year insurance policy adds $117. Total PITI: about $2,506 a month.
The sobering number is the long-run total. Over 360 payments you'd hand the lender roughly $728,000, of which $408,000 is interest, more than the original loan. That's not a scam, it's just what 30 years of borrowing costs, and it's exactly why rate shopping and extra principal payments move the needle so much.
Principal e juros num empréstimo de $320,000 em 30 anos:
| Rate | P&I mensal | Juros totais em 30 anos |
|---|---|---|
| 5.0% | $1,718 | $298,419 |
| 5.5% | $1,817 | $334,093 |
| 6.0% | $1,919 | $370,682 |
| 6.5% | $2,023 | $408,142 |
| 7.0% | $2,129 | $446,428 |
| 7.5% | $2,237 | $485,495 |
Cada meio ponto custa cerca de $100 por mês num empréstimo desse tamanho e $35,000 a $40,000 ao longo do prazo. Se as taxas caírem depois da compra, essa diferença é o que uma refinanciação captura; nossacalculadora de ponto de equilíbrio da refinanciaçãodiz quanto tempo os custos de fechamento levam para se pagar.
The same $320,000 at 6.5% over 15 years runs $2,788 a month, which is $765 more than the 30-year payment. In exchange, total interest falls from $408,000 to about $182,000, a saving of more than $226,000, and you own the house outright in half the time. The 30-year term isn't wrong, it buys flexibility and a lower required payment. But if the 15-year payment fits comfortably under 28% of your gross income, it's one of the cheapest forms of forced savings there is. A middle path: take the 30-year for safety and pay extra principal when you can.
Para o passo a passo completo da matemática, veja nosso guia sobrecomo calcular uma parcela de hipoteca, e se você ainda está montando um orçamento, comece porquanto de imóvel você consegue pagar.
Um imóvel de $400,000 com 20% de entrada ($80,000) deixa um empréstimo de $320,000. A 6,5% em 30 anos, a parcela mensal de principal e juros é 320,000 × [0.005417 × 1.005417360] ÷ [1.005417360 − 1] ≈ $2,023. Adicionar $200/mês de principal extra corta cerca de 7 anos do prazo e economiza mais de $100,000 em juros — simule no campo de pagamentos extras acima.
Use it to compare loan scenarios before you talk to lenders: different rates, terms, down payments, and extra-payment plans. It computes principal and interest only — your real monthly payment also includes property tax, homeowners insurance, and (below 20% down) PMI, which lenders bundle into an APR-based estimate.
1) Entering the home price instead of the loan amount — the calculator subtracts the down payment for you, so enter the price. 2) Comparing loans on rate alone: a 6.5% 30-year and a 6.0% 15-year produce wildly different total costs — always compare total interest, not just the monthly figure. 3) Forgetting closing costs (2–5% of the loan) when budgeting the cash you need at signing. 4) Assuming the payment stays flat in an ARM — this calculator models fixed rates.
The classic guideline is the 28/36 rule: keep the full housing payment under 28% of gross monthly income, and all debt payments combined under 36%. On a $100,000 income that caps housing around $2,333 a month, which supports roughly a $370,000 loan at 6.5% once taxes and insurance are counted. Lenders verify this through your relação dívida/renda.
Four things, abbreviated PITI: principal, interest, property taxes, and homeowners insurance. Taxes and insurance are usually collected monthly into an escrow account and paid by the servicer. Put less than 20% down on a conventional loan and a fifth item, private mortgage insurance, joins the bill. HOA dues, where they apply, are paid separately.
More than it looks. On a $320,000 30-year loan, moving from 6.0% to 6.5% raises the payment from $1,919 to $2,023, about $104 a month, and adds roughly $37,500 in interest over the life of the loan. That's why shopping multiple lenders and paying down credit issues before applying has such a high payoff.
Num empréstimo convencional, sim: 20% de entrada significa não pagar seguro privativo de hipoteca. Abaixo disso, o PMI normalmente custa de 0,3% a 1,5% do empréstimo por ano até você atingir 20% de equity, quando pode pedir cancelamento. Muitos compradores ainda escolhem entrada menor e aceitam o PMI para comprar mais cedo; nossacalculadora de PMIcalcula os dois cenários.