Simulador de crédito à habitação

Compara créditos à habitação com taxa fixa, variável e mista, incluindo despesas e amortizações antecipadas.

Os teus dados iniciais

Taxas, sistema e frequência

Índices inseridos por ti. Anos em falta mantêm o último valor; em branco, usa-se a Euribor pressuposta.

Comissões, seguros e carência
Amortização antecipada e pagamentos extra

O extra amortiza capital após a prestação. Em carência reduz o saldo; no sistema americano reduz o capital final.

O teu resultado

Exemplo editável; ainda não calculaste os teus dados.

Primeira prestação, com despesas€ 758,89
Última prestação, com despesas€ 757,21
Custo do financiamento€ 93.198,72
Total pago€ 273.198,72
Juros totais€ 93.198,72
Comissões e seguros€ 0,00
Duração efetiva30 anos
Capital em dívida / Juros acumulados090 mil180 mil030 anosCapital em dívidaJuros acumulados
Cenários de taxas

Na taxa mista altera-se apenas o índice da fase variável. São simulações, não previsões.

Ver tabela completa · 360 linhas
PagamentoAnoTaxa nominal anual (%)Saldo inicialJurosJuros capitalizadosCapitalExtraDespesas e segurosTotal da prestaçãoSaldo final
10,083180.0004500308,8900758,89179.691,11
20,173179.691,11449,230309,6600758,89179.381,45
30,253179.381,45448,450310,4400758,89179.071,01
40,333179.071,01447,680311,2100758,89178.759,8
50,423178.759,8446,90311,9900758,89178.447,81
60,53178.447,81446,120312,7700758,89178.135,04
70,583178.135,04445,340313,5500758,89177.821,49
80,673177.821,49444,550314,3400758,89177.507,15
90,753177.507,15443,770315,1200758,89177.192,03
100,833177.192,03442,980315,9100758,89176.876,12
110,923176.876,12442,190316,700758,89176.559,42
1213176.559,42441,40317,4900758,89176.241,93
131,083176.241,93440,60318,2900758,89175.923,64
141,173175.923,64439,810319,0800758,89175.604,56
151,253175.604,56439,010319,8800758,89175.284,68
161,333175.284,68438,210320,6800758,89174.964
171,423174.964437,410321,4800758,89174.642,52
181,53174.642,52436,610322,2800758,89174.320,24
191,583174.320,24435,80323,0900758,89173.997,15
201,673173.997,15434,990323,900758,89173.673,25
211,753173.673,25434,180324,7100758,89173.348,54
221,833173.348,54433,370325,5200758,89173.023,02
231,923173.023,02432,560326,3300758,89172.696,69
2423172.696,69431,740327,1500758,89172.369,54
252,083172.369,54430,920327,9700758,89172.041,57
262,173172.041,57430,10328,7900758,89171.712,78
272,253171.712,78429,280329,6100758,89171.383,17
282,333171.383,17428,460330,4300758,89171.052,74
292,423171.052,74427,630331,2600758,89170.721,48
302,53170.721,48426,80332,0900758,89170.389,39
312,583170.389,39425,970332,9200758,89170.056,47
322,673170.056,47425,140333,7500758,89169.722,72
332,753169.722,72424,310334,5800758,89169.388,14
342,833169.388,14423,470335,4200758,89169.052,72
352,923169.052,72422,630336,2600758,89168.716,46
3633168.716,46421,790337,100758,89168.379,36
373,083168.379,36420,950337,9400758,89168.041,42
383,173168.041,42420,10338,7900758,89167.702,63
393,253167.702,63419,260339,6300758,89167.363
403,333167.363418,410340,4800758,89167.022,52
413,423167.022,52417,560341,3300758,89166.681,19
423,53166.681,19416,70342,1900758,89166.339
433,583166.339415,850343,0400758,89165.995,96
443,673165.995,96414,990343,900758,89165.652,06
453,753165.652,06414,130344,7600758,89165.307,3
463,833165.307,3413,270345,6200758,89164.961,68
473,923164.961,68412,40346,4900758,89164.615,19
4843164.615,19411,540347,3500758,89164.267,84
494,083164.267,84410,670348,2200758,89163.919,62
504,173163.919,62409,80349,0900758,89163.570,53
514,253163.570,53408,930349,9600758,89163.220,57
524,333163.220,57408,050350,8400758,89162.869,73
534,423162.869,73407,170351,7200758,89162.518,01
544,53162.518,01406,30352,5900758,89162.165,42
554,583162.165,42405,410353,4800758,89161.811,94
564,673161.811,94404,530354,3600758,89161.457,58
574,753161.457,58403,640355,2500758,89161.102,33
584,833161.102,33402,760356,1300758,89160.746,2
594,923160.746,2401,870357,0200758,89160.389,18
6053160.389,18400,970357,9200758,89160.031,26
615,083160.031,26400,080358,8100758,89159.672,45
625,173159.672,45399,180359,7100758,89159.312,74
635,253159.312,74398,280360,6100758,89158.952,13
645,333158.952,13397,380361,5100758,89158.590,62
655,423158.590,62396,480362,4100758,89158.228,21
665,53158.228,21395,570363,3200758,89157.864,89
675,583157.864,89394,660364,2300758,89157.500,66
685,673157.500,66393,750365,1400758,89157.135,52
695,753157.135,52392,840366,0500758,89156.769,47
705,833156.769,47391,920366,9700758,89156.402,5
715,923156.402,5391,010367,8800758,89156.034,62
7263156.034,62390,090368,800758,89155.665,82
736,083155.665,82389,160369,7300758,89155.296,09
746,173155.296,09388,240370,6500758,89154.925,44
756,253154.925,44387,310371,5800758,89154.553,86
766,333154.553,86386,380372,5100758,89154.181,35
776,423154.181,35385,450373,4400758,89153.807,91
786,53153.807,91384,520374,3700758,89153.433,54
796,583153.433,54383,580375,3100758,89153.058,23
806,673153.058,23382,650376,2400758,89152.681,99
816,753152.681,99381,70377,1900758,89152.304,8
826,833152.304,8380,760378,1300758,89151.926,67
836,923151.926,67379,820379,0700758,89151.547,6
8473151.547,6378,870380,0200758,89151.167,58
857,083151.167,58377,920380,9700758,89150.786,61
867,173150.786,61376,970381,9200758,89150.404,69
877,253150.404,69376,010382,8800758,89150.021,81
887,333150.021,81375,050383,8400758,89149.637,97
897,423149.637,97374,090384,800758,89149.253,17
907,53149.253,17373,130385,7600758,89148.867,41
917,583148.867,41372,170386,7200758,89148.480,69
927,673148.480,69371,20387,6900758,89148.093
937,753148.093370,230388,6600758,89147.704,34
947,833147.704,34369,260389,6300758,89147.314,71
957,923147.314,71368,290390,600758,89146.924,11
9683146.924,11367,310391,5800758,89146.532,53
978,083146.532,53366,330392,5600758,89146.139,97
988,173146.139,97365,350393,5400758,89145.746,43
998,253145.746,43364,370394,5200758,89145.351,91
1008,333145.351,91363,380395,5100758,89144.956,4
1018,423144.956,4362,390396,500758,89144.559,9
1028,53144.559,9361,40397,4900758,89144.162,41
1038,583144.162,41360,410398,4800758,89143.763,93
1048,673143.763,93359,410399,4800758,89143.364,45
1058,753143.364,45358,410400,4800758,89142.963,97
1068,833142.963,97357,410401,4800758,89142.562,49
1078,923142.562,49356,410402,4800758,89142.160,01
10893142.160,01355,40403,4900758,89141.756,52
1099,083141.756,52354,390404,500758,89141.352,02
1109,173141.352,02353,380405,5100758,89140.946,51
1119,253140.946,51352,370406,5200758,89140.539,99
1129,333140.539,99351,350407,5400758,89140.132,45
1139,423140.132,45350,330408,5600758,89139.723,89
1149,53139.723,89349,310409,5800758,89139.314,31
1159,583139.314,31348,290410,600758,89138.903,71
1169,673138.903,71347,260411,6300758,89138.492,08
1179,753138.492,08346,230412,6600758,89138.079,42
1189,833138.079,42345,20413,6900758,89137.665,73
1199,923137.665,73344,160414,7300758,89137.251
120103137.251343,130415,7600758,89136.835,24
12110,083136.835,24342,090416,800758,89136.418,44
12210,173136.418,44341,050417,8400758,89136.000,6
12310,253136.000,63400418,8900758,89135.581,71
12410,333135.581,71338,950419,9400758,89135.161,77
12510,423135.161,77337,90420,9900758,89134.740,78
12610,53134.740,78336,850422,0400758,89134.318,74
12710,583134.318,74335,80423,0900758,89133.895,65
12810,673133.895,65334,740424,1500758,89133.471,5
12910,753133.471,5333,680425,2100758,89133.046,29
13010,833133.046,29332,620426,2700758,89132.620,02
13110,923132.620,02331,550427,3400758,89132.192,68
132113132.192,68330,480428,4100758,89131.764,27
13311,083131.764,27329,410429,4800758,89131.334,79
13411,173131.334,79328,340430,5500758,89130.904,24
13511,253130.904,24327,260431,6300758,89130.472,61
13611,333130.472,61326,180432,7100758,89130.039,9
13711,423130.039,9325,10433,7900758,89129.606,11
13811,53129.606,11324,020434,8700758,89129.171,24
13911,583129.171,24322,930435,9600758,89128.735,28
14011,673128.735,28321,840437,0500758,89128.298,23
14111,753128.298,23320,750438,1400758,89127.860,09
14211,833127.860,09319,650439,2400758,89127.420,85
14311,923127.420,85318,550440,3400758,89126.980,51
144123126.980,51317,450441,4400758,89126.539,07
14512,083126.539,07316,350442,5400758,89126.096,53
14612,173126.096,53315,240443,6500758,89125.652,88
14712,253125.652,88314,130444,7600758,89125.208,12
14812,333125.208,12313,020445,8700758,89124.762,25
14912,423124.762,25311,910446,9800758,89124.315,27
15012,53124.315,27310,790448,100758,89123.867,17
15112,583123.867,17309,670449,2200758,89123.417,95
15212,673123.417,95308,540450,3500758,89122.967,6
15312,753122.967,6307,420451,4700758,89122.516,13
15412,833122.516,13306,290452,600758,89122.063,53
15512,923122.063,53305,160453,7300758,89121.609,8
156133121.609,8304,020454,8700758,89121.154,93
15713,083121.154,93302,89045600758,89120.698,93
15813,173120.698,93301,750457,1400758,89120.241,79
15913,253120.241,79300,60458,2900758,89119.783,5
16013,333119.783,5299,460459,4300758,89119.324,07
16113,423119.324,07298,310460,5800758,89118.863,49
16213,53118.863,49297,160461,7300758,89118.401,76
16313,583118.401,762960462,8900758,89117.938,87
16413,673117.938,87294,850464,0400758,89117.474,83
16513,753117.474,83293,690465,200758,89117.009,63
16613,833117.009,63292,520466,3700758,89116.543,26
16713,923116.543,26291,360467,5300758,89116.075,73
168143116.075,73290,190468,700758,89115.607,03
16914,083115.607,03289,020469,8700758,89115.137,16
17014,173115.137,16287,840471,0500758,89114.666,11
17114,253114.666,11286,670472,2200758,89114.193,89
17214,333114.193,89285,480473,4100758,89113.720,48
17314,423113.720,48284,30474,5900758,89113.245,89
17414,53113.245,89283,110475,7800758,89112.770,11
17514,583112.770,11281,930476,9600758,89112.293,15
17614,673112.293,15280,730478,1600758,89111.814,99
17714,753111.814,99279,540479,3500758,89111.335,64
17814,833111.335,64278,340480,5500758,89110.855,09
17914,923110.855,09277,140481,7500758,89110.373,34
180153110.373,34275,930482,9600758,89109.890,38
18115,083109.890,38274,730484,1600758,89109.406,22
18215,173109.406,22273,520485,3700758,89108.920,85
18315,253108.920,85272,30486,5900758,89108.434,26
18415,333108.434,26271,090487,800758,89107.946,46
18515,423107.946,46269,870489,0200758,89107.457,44
18615,53107.457,44268,640490,2500758,89106.967,19
18715,583106.967,19267,420491,4700758,89106.475,72
18815,673106.475,72266,190492,700758,89105.983,02
18915,753105.983,02264,960493,9300758,89105.489,09
19015,833105.489,09263,720495,1700758,89104.993,92
19115,923104.993,92262,480496,4100758,89104.497,51
192163104.497,51261,240497,6500758,89103.999,86
19316,083103.999,862600498,8900758,89103.500,97
19416,173103.500,97258,750500,1400758,89103.000,83
19516,253103.000,83257,50501,3900758,89102.499,44
19616,333102.499,44256,250502,6400758,89101.996,8
19716,423101.996,8254,990503,900758,89101.492,9
19816,53101.492,9253,730505,1600758,89100.987,74
19916,583100.987,74252,470506,4200758,89100.481,32
20016,673100.481,32251,20507,6900758,8999.973,63
20116,75399.973,63249,930508,9600758,8999.464,67
20216,83399.464,67248,660510,2300758,8998.954,44
20316,92398.954,44247,390511,500758,8998.442,94
20417398.442,94246,110512,7800758,8997.930,16
20517,08397.930,16244,830514,0600758,8997.416,1
20617,17397.416,1243,540515,3500758,8996.900,75
20717,25396.900,75242,250516,6400758,8996.384,11
20817,33396.384,11240,960517,9300758,8995.866,18
20917,42395.866,18239,670519,2200758,8995.346,96
21017,5395.346,96238,370520,5200758,8994.826,44
21117,58394.826,44237,070521,8200758,8994.304,62
21217,67394.304,62235,760523,1300758,8993.781,49
21317,75393.781,49234,450524,4400758,8993.257,05
21417,83393.257,05233,140525,7500758,8992.731,3
21517,92392.731,3231,830527,0600758,8992.204,24
21618392.204,24230,510528,3800758,8991.675,86
21718,08391.675,86229,190529,700758,8991.146,16
21818,17391.146,16227,870531,0200758,8990.615,14
21918,25390.615,14226,540532,3500758,8990.082,79
22018,33390.082,79225,210533,6800758,8989.549,11
22118,42389.549,11223,870535,0200758,8989.014,09
22218,5389.014,09222,540536,3500758,8988.477,74
22318,58388.477,74221,190537,700758,8987.940,04
22418,67387.940,04219,850539,0400758,8987.401
22518,75387.401218,50540,3900758,8986.860,61
22618,83386.860,61217,150541,7400758,8986.318,87
22718,92386.318,87215,80543,0900758,8985.775,78
22819385.775,78214,440544,4500758,8985.231,33
22919,08385.231,33213,080545,8100758,8984.685,52
23019,17384.685,52211,710547,1800758,8984.138,34
23119,25384.138,34210,350548,5400758,8983.589,8
23219,33383.589,8208,970549,9200758,8983.039,88
23319,42383.039,88207,60551,2900758,8982.488,59
23419,5382.488,59206,220552,6700758,8981.935,92
23519,58381.935,92204,840554,0500758,8981.381,87
23619,67381.381,87203,450555,4400758,8980.826,43
23719,75380.826,43202,070556,8200758,8980.269,61
23819,83380.269,61200,670558,2200758,8979.711,39
23919,92379.711,39199,280559,6100758,8979.151,78
24020379.151,78197,880561,0100758,8978.590,77
24120,08378.590,77196,480562,4100758,8978.028,36
24220,17378.028,36195,070563,8200758,8977.464,54
24320,25377.464,54193,660565,2300758,8976.899,31
24420,33376.899,31192,250566,6400758,8976.332,67
24520,42376.332,67190,830568,0600758,8975.764,61
24620,5375.764,61189,410569,4800758,8975.195,13
24720,58375.195,13187,990570,900758,8974.624,23
24820,67374.624,23186,560572,3300758,8974.051,9
24920,75374.051,9185,130573,7600758,8973.478,14
25020,83373.478,14183,70575,1900758,8972.902,95
25120,92372.902,95182,260576,6300758,8972.326,32
25221372.326,32180,820578,0700758,8971.748,25
25321,08371.748,25179,370579,5200758,8971.168,73
25421,17371.168,73177,920580,9700758,8970.587,76
25521,25370.587,76176,470582,4200758,8970.005,34
25621,33370.005,34175,010583,8800758,8969.421,46
25721,42369.421,46173,550585,3400758,8968.836,12
25821,5368.836,12172,090586,800758,8968.249,32
25921,58368.249,32170,620588,2700758,8967.661,05
26021,67367.661,05169,150589,7400758,8967.071,31
26121,75367.071,31167,680591,2100758,8966.480,1
26221,83366.480,1166,20592,6900758,8965.887,41
26321,92365.887,41164,720594,1700758,8965.293,24
26422365.293,24163,230595,6600758,8964.697,58
26522,08364.697,58161,740597,1500758,8964.100,43
26622,17364.100,43160,250598,6400758,8963.501,79
26722,25363.501,79158,750600,1400758,8962.901,65
26822,33362.901,65157,250601,6400758,8962.300,01
26922,42362.300,01155,750603,1400758,8961.696,87
27022,5361.696,87154,240604,6500758,8961.092,22
27122,58361.092,22152,730606,1600758,8960.486,06
27222,67360.486,06151,220607,6700758,8959.878,39
27322,75359.878,39149,70609,1900758,8959.269,2
27422,83359.269,2148,170610,7200758,8958.658,48
27522,92358.658,48146,650612,2400758,8958.046,24
27623358.046,24145,120613,7700758,8957.432,47
27723,08357.432,47143,580615,3100758,8956.817,16
27823,17356.817,16142,040616,8500758,8956.200,31
27923,25356.200,31140,50618,3900758,8955.581,92
28023,33355.581,92138,950619,9400758,8954.961,98
28123,42354.961,98137,40621,4900758,8954.340,49
28223,5354.340,49135,850623,0400758,8953.717,45
28323,58353.717,45134,290624,600758,8953.092,85
28423,67353.092,85132,730626,1600758,8952.466,69
28523,75352.466,69131,170627,7200758,8951.838,97
28623,83351.838,97129,60629,2900758,8951.209,68
28723,92351.209,68128,020630,8700758,8950.578,81
28824350.578,81126,450632,4400758,8949.946,37
28924,08349.946,37124,870634,0200758,8949.312,35
29024,17349.312,35123,280635,6100758,8948.676,74
29124,25348.676,74121,690637,200758,8948.039,54
29224,33348.039,54120,10638,7900758,8947.400,75
29324,42347.400,75118,50640,3900758,8946.760,36
29424,5346.760,36116,90641,9900758,8946.118,37
29524,58346.118,37115,30643,5900758,8945.474,78
29624,67345.474,78113,690645,200758,8944.829,58
29724,75344.829,58112,070646,8200758,8944.182,76
29824,83344.182,76110,460648,4300758,8943.534,33
29924,92343.534,33108,840650,0500758,8942.884,28
30025342.884,28107,210651,6800758,8942.232,6
30125,08342.232,6105,580653,3100758,8941.579,29
30225,17341.579,29103,950654,9400758,8940.924,35
30325,25340.924,35102,310656,5800758,8940.267,77
30425,33340.267,77100,670658,2200758,8939.609,55
30525,42339.609,5599,020659,8700758,8938.949,68
30625,5338.949,6897,370661,5200758,8938.288,16
30725,58338.288,1695,720663,1700758,8937.624,99
30825,67337.624,9994,060664,8300758,8936.960,16
30925,75336.960,1692,40666,4900758,8936.293,67
31025,83336.293,6790,730668,1600758,8935.625,51
31125,92335.625,5189,060669,8300758,8934.955,68
31226334.955,6887,390671,500758,8934.284,18
31326,08334.284,1885,710673,1800758,8933.611
31426,17333.61184,030674,8600758,8932.936,14
31526,25332.936,1482,340676,5500758,8932.259,59
31626,33332.259,5980,650678,2400758,8931.581,35
31726,42331.581,3578,950679,9400758,8930.901,41
31826,5330.901,4177,250681,6400758,8930.219,77
31926,58330.219,7775,550683,3400758,8929.536,43
32026,67329.536,4373,840685,0500758,8928.851,38
32126,75328.851,3872,130686,7600758,8928.164,62
32226,83328.164,6270,410688,4800758,8927.476,14
32326,92327.476,1468,690690,200758,8926.785,94
32427326.785,9466,960691,9300758,8926.094,01
32527,08326.094,0165,240693,6500758,8925.400,36
32627,17325.400,3663,50695,3900758,8924.704,97
32727,25324.704,9761,760697,1300758,8924.007,84
32827,33324.007,8460,020698,8700758,8923.308,97
32927,42323.308,9758,270700,6200758,8922.608,35
33027,5322.608,3556,520702,3700758,8921.905,98
33127,58321.905,9854,760704,1300758,8921.201,85
33227,67321.201,85530705,8900758,8920.495,96
33327,75320.495,9651,240707,6500758,8919.788,31
33427,83319.788,3149,470709,4200758,8919.078,89
33527,92319.078,8947,70711,1900758,8918.367,7
33628318.367,745,920712,9700758,8917.654,73
33728,08317.654,7344,140714,7500758,8916.939,98
33828,17316.939,9842,350716,5400758,8916.223,44
33928,25316.223,4440,560718,3300758,8915.505,11
34028,33315.505,1138,760720,1300758,8914.784,98
34128,42314.784,9836,960721,9300758,8914.063,05
34228,5314.063,0535,160723,7300758,8913.339,32
34328,58313.339,3233,350725,5400758,8912.613,78
34428,67312.613,7831,530727,3600758,8911.886,42
34528,75311.886,4229,720729,1700758,8911.157,25
34628,83311.157,2527,89073100758,8910.426,25
34728,92310.426,2526,070732,8200758,899.693,43
3482939.693,4324,230734,6600758,898.958,77
34929,0838.958,7722,40736,4900758,898.222,28
35029,1738.222,2820,560738,3300758,897.483,95
35129,2537.483,9518,710740,1800758,896.743,77
35229,3336.743,7716,860742,0300758,896.001,74
35329,4236.001,74150743,8900758,895.257,85
35429,535.257,8513,140745,7500758,894.512,1
35529,5834.512,111,280747,6100758,893.764,49
35629,6733.764,499,410749,4800758,893.015,01
35729,7533.015,017,540751,3500758,892.263,66
35829,8332.263,665,660753,2300758,891.510,43
35929,9231.510,433,780755,1100758,89755,32
360303755,321,890755,3200757,210
Cálculo e pressupostos

Taxa nominal anual dividida pelos pagamentos anuais; prestações no fim do período, arredondadas aos cêntimos.

Os índices são hipóteses editáveis, não cotações nem previsões. Taxa aplicada mínima de 0%.

Comissões iniciais pagas à parte; seguros e despesas anuais proporcionais até à liquidação.

A carência está incluída no prazo; a carência total capitaliza juros. Amortização extra após a prestação.

Simulação de fluxos, não cálculo da TAEG legal. No sistema americano o capital é pago no vencimento.

Referência: Banco de España

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