Calculadora de Refinanciamento e Portabilidade de Crédito
FinancialCompare seu financiamento atual com uma nova proposta e veja quanto você economiza na parcela mensal e no total de juros.
Digital Calculation Report
Refinance Calculator Report
See how much you could save by refinancing your loan at a new rate or term.
Input Parameters
| Parameter | Value |
|---|---|
| Current Balance | 250000 |
| Current Rate | 7.5 |
| Remaining Term | 25 |
| New Rate | 6 |
| New Term | 25 |
Calculated Results
| Metric | Computed Value |
|---|---|
| Nova Parcela Mensal | $1,610.75 |
| Parcela Mensal Atual | $1,847.48 |
| Economia Mensal na Parcela | $236.72 |
| Economia Total de Juros no Prazo | $71,017.33 |
Calculations are provided for educational purposes and should be independently verified for financial, investment, or medical decisions.
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Input Parameters
Adjust parameters to instantly compute metrics.
Computed Results
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Calculation Breakdown
No Brasil, o refinanciamento imobiliário ou portabilidade de crédito é regulado pelo Banco Central (Resolução CMN nº 4.292/2013). O novo banco credor não pode cobrar taxa de abertura de crédito (TAC), mas o mutuário deve considerar eventuais custos de avaliação do imóvel, emissão de certidões e averbação no Cartório de Registro de Imóveis (RGI).
Common Questions about Refinance
O que é portabilidade de crédito imobiliário?
Meu banco atual pode recusar a portabilidade?
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Educational Guides & Related Articles
Read our expert-reviewed articles to learn more about the concepts, formulas, and practical advice related to Refinance.