Calculadora de Hipoteca com Taxa Ajustável
Calcule parcelas de hipotecas com taxa de juros ajustável (ARM).
ARM Initial Payment
$2,334.29
ARM Initial Payment vs Initial Fixed Period
Formula
Adjustable-Rate Mortgage (ARM)
An ARM starts with a lower fixed rate for an initial period, then adjusts periodically based on a market index plus a margin.
Common ARM Structures
Rate Caps
ARMs have caps limiting rate changes:
When an ARM Makes Sense
Exemplo Resolvido
A $400,000 loan. 5/1 ARM at 5.75% initial, expected adjustment to 7.75%. Comparable 30-year fixed at 6.75%.
- 01ARM initial payment (5.75%, 30-year amortization): $2,334.29
- 02Fixed rate payment (6.75%): $2,594.26
- 03Monthly savings during initial period: $2,594.26 - $2,334.29 = $259.97
- 04Total savings over 5 years: $259.97 x 60 = $15,598
- 05Balance at year 5: approximately $371,342
- 06Adjusted payment at 7.75% for remaining 25 years: $2,803.14
Perguntas Frequentes
What determines my ARM rate after the fixed period?
The adjusted rate equals the index (such as SOFR or 1-year Treasury) plus the lender margin (typically 2.25-2.75%). Rate caps limit how much it can change at each adjustment and over the loan life.
Can I refinance before the ARM adjusts?
Yes, many ARM borrowers plan to refinance into a fixed-rate mortgage before the adjustment. This strategy works if rates are favorable and you have sufficient equity. Factor in closing costs when evaluating this plan.
What is the worst case with an ARM?
The worst case is hitting the lifetime cap. On a 5.75% ARM with a 5% lifetime cap, the maximum rate would be 10.75%. On $400,000, that could mean payments over $3,500/month. Always stress-test the worst-case scenario.