Simulate vehicle direct consumer credit (CDC) installments with IOF and fees, and audit whether your interest rate is deemed abusive under BCB benchmark thresholds.
Negotiated purchase price of the vehicle.
Cash or trade-in value down payment.
Monthly nominal interest rate stipulated by lender.
Official average market rate published by Central Bank for auto loans.
Administrative and registration fees incorporated into loan.
PMT = PV \cdot \frac{i(1+i)^n}{(1+i)^n - 1}; \qquad \text{Índice de Abusividade} = \frac{i_{\text{contrato}}}{i_{\text{média BACEN}}}Vehicle financing uses the French amortization model (Price). The Superior Court of Justice (STJ Theme 247) established that interest rates significantly exceeding the BCB market benchmark (typically > 1.5x) are subject to judicial revision and reimbursement.
All calculations, amortizations, and scenario projections displayed on this page are strictly for informational and educational purposes. Nothing herein constitutes investment, financial, tax, underwriting, or legal advice. Actual interest rates, closing costs, lender fees, and statutory criteria may vary. Calconova explicitly disclaims all liability for any financial decisions or actions taken based upon these calculations. Users are strongly advised to consult a certified financial planner, CPA, or licensed lending officer prior to executing financial commitments.
Simulate annual FGTS birthday withdrawals under Caixa's 7 official statutory tiers (5% to 50% + fixed bonus) and estimate loan advances up to 10 years.
Compare Brazilian real estate financing under SAC (decreasing payments) vs. Price (fixed payments), including TR index, MIP/DFI mandatory insurance, and bank fees.
Simulate lump-sum extra amortizations on Brazilian mortgages. Compare interest savings and eliminated months when reducing loan term versus lowering monthly payment.