Por Que sua Amortização Pode Estar Custando R$ 200 mil a Mais - Compare Técnicas para Amortizar

A mortgage amortization plan isn't a luxury — it's the difference between paying the bank twice for the property or cutting more than a decade off your contract. In this video, I show, practically and within our "Credit Without Mystery" app, how a contribution of R$ 500 per month for 5 years eliminates more than 11 years from the contract term and generates more than R$ 220,000 in savings in interest. I also show how this scenario scales with larger contributions and — perhaps the most important point — a decision rarely discussed in the market: is it better to amortize now or save in a CDI and amortize everything at once later? The app's "Amortize or Invest" tool answers this with your actual contract, considering income tax using the regressive table. This content is for those who already have an active mortgage and want to implement an efficient amortization plan, even starting with small contributions. Video Links: Credit Made Easy: Real Estate Financing Management and Monitoring: 👉 https://creditosemmisterio.com.br Simulate your financing with CSM: 👉 https://csm.app.br or via WhatsApp +55 13 99709 1012 📸 Follow CSM on Instagram 👉   / csmassessoria   🎯 Schedule a personalized consultation with Ricardo Floriano (R$ 400.00): 👉 https://calendar.app.google/4BaWz7Mn1... 📚 CONTINUE LEARNING How to Pay Less Interest and Pay Off Your Financing Sooner:    • Como Pagar Menos Juros e Quitar Antes se F...   The Biggest Mistakes in Real Estate Financing:    • Os Maiores Erros no Financiamento Imobiliá...   Reducing Term or Installment — What Saves More Interest:    • Reduzir Parcela ou Prazo no Financiamento ...   00:00 Introduction: Why you need an amortization strategy 01:00 Real Example: Analyzing a contract of R$ 283,000 02:23 Simulation 1: The impact of amortizing R$ 500 per month 03:29 Simulation 2: What happens when you double the contribution to R$ 1,000? 04:21 Important Detail: The mathematics of compound interest 05:01 Amortize every month or invest and pay at the end? 06:41 Conclusion: How to save on interest with the right tool 07:48 Important notices and how CSM can help you 08:06 Closing: How much can you set aside for amortization? ABOUT CSM CSM Financial Advisory is the leading 100% online real estate financing advisory service in Brazil. Free customer service — we are compensated by our partner banks. We work with Itaú, Bradesco, Santander, and Inter. From simulation to settlement. #realestatefinancing #amortization #amortizationplan #realestatecredit #settlement #amortizationtechniques