Calcule hipotecas em diferentes moedas e sistemas de taxas. APR EUA, taxas nominais UE, TAXA Brasil — unificados em uma tabela de amortização. Tudo funciona localmente no seu navegador.
Esta ferramenta funciona completamente no seu navegador. Seus dados nunca são enviados a nenhum servidor.
The United States uses APR (Annual Percentage Rate) which includes fees. European countries typically quote nominal rates without fees. Brazil uses TAXA which may include compound interest calculations. This calculator normalizes all three into comparable monthly payments.
Yes. Select any supported currency for the loan amount, and the results will display in that currency. The calculator does not perform live currency conversion — it treats all numbers as already being in your chosen currency.
Fixed rate uses a constant interest rate for the entire loan term. Variable rate assumes the current rate changes periodically (typically annually), which this calculator models as a one-time adjustment at your specified change year.
No. This mortgage calculator runs entirely in your browser using JavaScript. No loan amounts, rates, or personal data are transmitted to any server. You can verify this by disconnecting from the internet — the calculator still works.
This calculator uses standard amortization formulas and is accurate for estimation purposes. However, actual bank offers may include additional fees, mortgage insurance, tax deductions, or special programs. Always consult a licensed mortgage professional for final decisions.