SACF Financing Calculator

What is the SACF System?

The Growing Amortization System with Factor (SACF) is a financing method where payments start smaller and gradually increase over time. Unlike traditional SAC, SACF applies a growth factor to amortization, making initial payments more affordable.

SACF Characteristics

• Increasing payments over time
• Amortization increases with growth factor
• Interest calculated on outstanding balance
• Ideal for those expecting income growth
• Lower initial income commitment

SACF Advantages

• Lower initial payments: Easier to start financing
• Flexibility: Suitable for growing income profiles
• Planning: Allows gradual financial organization
• Accessibility: Lower entry barrier

SACF Disadvantages

• Increasing payments: Future income commitment
• Planning required: Requires financial discipline
• Default risk: If income doesn't grow as expected