Tool guide
Compare Price and SAC systems with amortization table. Useful for comparing price and sac before contracting, reviewing the total cost of a long-term financing and estimating installments compatible with cash flow.
When to use it
- compare Price and SAC before hiring: Shows the difference between installment, total interest and final cost in each system.
- review total cost of long financing: It helps you see how much of the payment goes toward interest over the term.
- estimate portion compatible with cash flow: Allows you to simulate rate, term and system before negotiating the operation.
How to read the result
- At Price, the share tends to remain stable; in SAC, the initial installment is usually larger and drops over time.
- Total paid and total interest show how much the operation actually costs in addition to the principal financed.
- The amortization table helps you see how much of each installment goes to interest and how much it reduces the balance.
Inputs that deserve attention
- Amount financed: It is the basis on which amortization and interest will be calculated. Confirm that the value already takes into account the down payment, insurance and fees that will be outside the installment.
- Monthly interest rate: Defines the financial cost applied in each month of the contract. Do not mix the annual rate disclosed in the advertisement with the monthly rate used in the account.
- Deadline in months: Determines how long the outstanding balance will be amortized. A longer term can alleviate the installment, but significantly increase the total interest.
Method used
- The simulator applies the classic rules of the Price and SAC systems to generate installments, interest and outstanding balance.
- The results directly depend on the amount financed, the monthly rate, the term and the system chosen.
Limits and validation
- The simulation does not replace CET, contract, credit assessment or commercial conditions of the institution.
- Accessory costs, insurance, tariffs and future renegotiation may change the real value of the financing.
- The tool details the amortization table installment by installment for auditing the scenario.
