What is the Price Table in financing?

The Price Table (French Amortization System) is a system where installments are fixed throughout the financing period. At the beginning, most of the installment consists of interest, and a smaller part of amortization. Over time, this proportion reverses, and amortization increases while interest decreases.

What is the SAC Table in financing?

The SAC Table (Constant Amortization System) is a system where the amortization amount is constant in all installments. Interest is calculated on the outstanding balance, which decreases with each payment. Therefore, SAC installments are higher at the beginning and decrease over time.

What is the difference between Price and SAC tables? Which one to choose?

The main difference is that in the Price Table installments are fixed, while in SAC they are decreasing. The Price Table offers financial predictability, making it easier to plan. The SAC Table generally results in a lower total interest amount and a balance that decreases faster, but requires greater payment capacity at the start.

How do I use the financing simulator?

Enter the asset or property value, the annual interest rate, and the term in months. Optionally, enter a down payment. Click 'Calculate Now' and the simulator will display side by side the results for the Price and SAC tables: installments, total interest, total cost, and a full month-by-month amortization schedule.

What is amortization in financing?

Amortization is the portion of the monthly payment used to reduce the principal balance — the actual loan amount. Each installment consists of interest (calculated on the outstanding balance) and amortization (which reduces that balance). In the Price Table, amortization grows over time. In the SAC Table, it is always the same fixed amount per month.

For real estate financing: Price or SAC?

For long-term real estate financing, the SAC Table tends to be more advantageous: the outstanding balance decreases faster and the total interest cost is lower. However, the first installments are higher. The Price Table is recommended for those who need fixed, lower installments from the start. Use the simulator to compare both tables for your specific scenario.

Can I simulate vehicle financing?

Yes! The simulator works for any type of financing — real estate, vehicles, equipment, or any loan with a defined interest rate and term. Enter the asset value, the annual interest rate from the lender, and the number of installments. The simulator will calculate both Price and SAC tables so you can compare and choose the best option.

Enter the asset or property value, the interest rate, and the term — and see side by side the real cost of Price and SAC tables, with a full amortization schedule and month-by-month chart.

Price & SAC Financing Simulator

Compare Price and SAC tables side by side — calculate installments, interest, and total cost for your real estate or vehicle financing.

Frequently Asked Questions about Financing

Get answers to your questions about real estate and vehicle financing.