Como amortizar financiamento da Caixa e pagar menos juros

Quer pagar menos juros no financiamento?

Helena Collares Março de 2026

O que é amortizar?

[{"selector":"#anim-60e4ff24-1d74-4f75-bea2-7fdbdb31ef96","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c1ca8dce-7274-4459-8080-e97d64e3486b","keyframes":{"transform":["translate3d(-115.18988%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4d03650d-5565-48c7-87e5-0612af97b423","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9a120e73-dd5c-4830-94be-8153c5816bc3","keyframes":{"transform":["translate3d(-115.18988%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-85d21d3b-46e2-425c-b2a6-1a799217ad43","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-59168610-9913-480e-b81b-e425cbf6f10a","keyframes":{"transform":["translate3d(-98.03063%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Amortizar é antecipar o pagamento da dívida. Isso reduz o saldo devedor e faz você pagar menos juros. Foto: Envato Elementos O que é amortização?

Tipos de financiamento

[{"selector":"#anim-1079eb71-4920-4600-a6d0-84f0c5c4b0a2","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4832e688-9f21-41e5-9bd4-3135aeb2333f","keyframes":{"transform":["translate3d(-94.96718%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2a350fb8-7606-40fc-ab62-2a8b6c0ec060","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-38125574-834e-4b05-a583-a3c2af9c75bd","keyframes":{"transform":["translate3d(-115.18988%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5d1a11b0-149f-40b8-a542-85d6885c574e","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9ebbddb2-7cac-41ec-a29f-e1e8d864d67e","keyframes":{"transform":["translate3d(-115.18988%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Na Caixa, os principais sistemas são: • SAC (parcelas caem) • Price (parcelas estáveis) Foto: Reprodução Caixa Econômica Federal

[{"selector":"#anim-d52a1dac-bc02-40f3-8b77-2806313abd72","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-caead9e9-b749-4d34-9bfa-28e3c7c7a796","keyframes":{"transform":["translate3d(-95.18599%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-34f27437-1d3b-46bf-97a7-67144a648a1f","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1566c4f2-18f9-4e55-9bf2-264c14379823","keyframes":{"transform":["translate3d(-115.18988%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-49177e74-16ef-427a-8404-03d10d981335","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5a502821-1174-45de-b0d8-80ba4ed0d417","keyframes":{"transform":["translate3d(-115.18988%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] No SAC, a amortização é fixa. As parcelas começam mais altas e diminuem com o tempo. SAC Foto: Envato Elementos

Tabela Price

[{"selector":"#anim-cb4d91c0-8f3f-4445-bd78-f5a8883d545f","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0ed81fad-2ee5-4196-a17e-a40d632dbb08","keyframes":{"transform":["translate3d(-98.24945%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-32db89ab-2bd4-4599-b356-c1f771c5ab22","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-076e3481-8cb3-4a0d-9a15-b527237caaf1","keyframes":{"transform":["translate3d(-115.14196%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e144c289-d019-4bc9-968c-5f749c877b96","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6c68d457-fe99-43a7-ae92-4109b4a2354a","keyframes":{"transform":["translate3d(-115.18988%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Na Price, as parcelas do financiamento são quase iguais. No início, você paga mais juros do que dívida. Foto: Reprodução Caixa Econômica Federal

Reduzir prazo ou parcela?

[{"selector":"#anim-fbca5200-5674-4ba7-adfd-c9f22963ee55","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-57ad3a43-e628-4938-a68f-8fb6b3fce158","keyframes":{"transform":["translate3d(-100%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f6aa3fe0-207f-4f74-8a5e-5b28b253148c","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-68fa612b-dc9b-4134-9f0d-d8e49445d23c","keyframes":{"transform":["translate3d(-115.18988%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1d8bbdf2-ed1e-40ae-84a0-69db6340333c","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-78346c0f-d649-4d0d-a811-5d84b2cf1539","keyframes":{"transform":["translate3d(-115.18988%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] • Reduzir prazo = mais economia de juros • Reduzir parcela = mais alívio mensal Quer economizar mais? Reduza o prazo Foto: Envato Elementos

Usar FGTS

[{"selector":"#anim-85bb0f4c-307b-4d2a-8170-d68da2e795e7","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f846804b-f50f-402d-8143-1421dac84b2e","keyframes":{"transform":["translate3d(-95.40481%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b9bc15ff-28fb-450a-8ee4-015a9f2a5a4c","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-fe915967-1802-4ae6-a8d9-1472a29d361a","keyframes":{"transform":["translate3d(-115.50632%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c5e6a988-4142-417b-8f17-89ffc86851a6","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-975a2947-39a8-45a9-9a0e-f72e104c6615","keyframes":{"transform":["translate3d(-115.50632%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Você pode usar o FGTS para amortizar: • A cada 2 anos • Até 80% do saldo • Imóvel até R$ 1,5 milhão Foto: Reprodução Caixa Econômica Federal

Como fazer pelo app

[{"selector":"#anim-9a2b66b4-ad53-4f56-afbc-33e7670005c3","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2f672d39-dbd3-44f3-a644-70e4200bbb00","keyframes":{"transform":["translate3d(-94.96718%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b89c8b5e-0d2c-494a-b731-7eb6e7f3ee15","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f39e3bd8-ddd5-4f36-be09-54aab3da4126","keyframes":{"transform":["translate3d(-114.87342%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5f4b65a3-0587-46f4-a895-1ae1af740c49","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-da189b81-4c07-48f2-b7ad-fec8de830d80","keyframes":{"transform":["translate3d(-114.87342%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] No app Habitação Caixa: • Acesse o contrato • Clique em “Amortizar” • Simule valores Foto: Reprodução Caixa Econômica Federal

Confirme a amortização

[{"selector":"#anim-1cf4b5f9-6ba9-4930-9b9a-5658ca7210c7","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-01629e72-bed3-4726-9abe-54c3e04da09b","keyframes":{"transform":["translate3d(-100%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-224a0001-898b-45ee-9313-56061fe84396","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-fe257105-6e5b-4b57-b270-dec2aa51cdeb","keyframes":{"transform":["translate3d(-118.03797%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a7dceec5-db02-4b30-9128-e3f1885c4f0a","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0968e6ee-50b2-49d2-9114-4f5a10b18e76","keyframes":{"transform":["translate3d(-118.03797%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Gere o boleto e pague online ou presencialmente. Depois, acompanhe a redução do saldo no app. Foto: Envato Elementos Veja o guia completo no Blog Remessa Online