SAC Financing Calculator

The Constant Amortization System (SAC) is a financing method where the amortization amount remains fixed throughout the loan period, while interest decreases progressively. This results in decreasing payments over time.

How SAC Works

In SAC, the financed amount is divided equally by the number of payments, determining the constant amortization. Interest is calculated on the remaining balance, which decreases with each payment. Therefore, the first payments are higher and the last ones are lower.

SAC Advantages

• Decreasing payments over time
• Lower total interest payment compared to fixed-rate systems
• Faster amortization of the outstanding balance
• Greater predictability in payment reduction

SAC Disadvantages

• Higher initial payments
• Greater income commitment at the beginning
• May make credit approval more difficult