Brezilya INSS emeklileri ve CLT çalışanları için maaştan kesintili kredi (Consignado), yasal tavan faiz ve %35+%5+%5 borçlanma marjı hesabı.
Net benefit deposited after basic statutory discounts.
Total existing monthly consignado installments.
Official CNPS statutory ceiling: 1.68% per month.
Maximum statutory term regulated by INSS is 84 months.
\text{Margem Total} = 45\% = 35\%(\text{Empréstimo}) + 5\%(\text{RMC}) + 5\%(\text{RCC}); \quad P_{\text{max}} = \text{Margem} \times \frac{1 - (1+i)^{-n}}{i}Federal Law 10,820/2003 establishes strict debt caps: up to 35% for direct loan installments, 5% reserved for RMC credit card, and 5% for RCC benefit card, guaranteeing that at least 55% of the pensioner's income remains untouched.
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.
Caixa'nın 7 resmi dilimine (%5 ila %50 + ek sabit tutar) göre yıllık Saque-Aniversário çekim tutarını hesaplayın ve 1-10 yıllık kredi avansı simülasyonunu görün.
Brezilya konut kredisinde SAC (azalan taksit) ve Price (sabit taksit) sistemlerini, TR endeksini ve zorunlu sigortaları karşılaştırın.
Brezilya konut kredilerinde toplu ara ödeme simülasyonu yapın. Vade kısaltma ve taksit düşürme arasındaki faiz kazancını FGTS kurallarıyla hesaplayın.