Understanding what the Price Table is, how it works, and its advantages over SAC contributes to more informed and conscious financial decisions.
Submitted at Dec 18, 2025, 10:00 AM
Finanças (Freepik/Divulgação)
The price table is one of the most used amortization systems in Brazil, especially in real estate financing, vehicles, and long-term credit contracts. Despite its widespread adoption, the operation of this model still raises doubts, mainly about the relationship between interest, amortization, and final amount paid.
Understanding what the price table is helps to interpret financial contracts more consciously. More than a mathematical formula, this system influences individual and collective economic decisions, directly affecting access to housing, consumption, and financial organization.
The price table, also called the French Amortization System, is a method where the installments of the financing have a fixed amount from the beginning to the end of the contract. This means that the amount paid monthly remains constant, disregarding insurance, administrative fees, or external adjustments.
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Although the installment is the same every month, its composition varies over time. At the beginning of the financing, most of the amount paid corresponds to the interest, while the amortization of the debt is lower. Over the months, this relationship gradually inverts.
The calculation of the price table considers three main factors: financed amount, interest rate , and payment term. Based on these data, a fixed installment is defined that includes interest and amortization, distributed differently throughout the contract.
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As the interest is charged on the debt balance, which is higher at the beginning, they represent a more significant portion in the first years of financing. With the gradual reduction of the balance, the interest decreases and the amortization starts to carry more weight within the monthly payment.
In the real estate context, the price table is widely applied in financing because it offers predictability in the value of the installments. This characteristic facilitates the financial planning of families, especially in long contracts, where monthly stability is a decisive factor.
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On the other hand, this model tends to result in a higher total cost by the end of the financing, precisely due to the concentration of interest at the beginning of the contract. In real estate financing, this difference can be significant and deserves attention in the financial analysis.
To better understand the price table, it is common to compare it to other amortization systems used in Brazil, especially the Constant Amortization System (SAC). While the price table works with fixed installments throughout the entire contract, the SAC adopts constant amortizations, making the initial installments higher and gradually decreasing over time. This difference directly impacts the perception of monthly cost and the way the financing fits into the family budget.
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From a financial point of view, the SAC tends to result in a lower total interest payment by the end of the contract, since the debt is reduced more quickly. The price table, on the other hand, prioritizes predictability and stability, characteristics valued by those who need to maintain a fixed monthly commitment amount. The choice between these systems depends on the financial profile, available income at the beginning of the financing, and the strategy adopted to deal with the cost of credit over time.
CASACOR Publisher is a content creator agent developed by the CASACOR Technology team based on the knowledge base of casacor.com.br. This text was edited by Yeska Coelho.
