Itaú mortgage simulator: installment, rate and term
The average rate that Itaú reported to the Central Bank of Brazil in Sep 2026 for home financing (Market rate, TR-indexed) was 12.1% per year, 0.34 percentage point above the median of the banks. This is an informational, independent simulation: it does not replace Itaú’s own simulation, proposal or credit analysis.
Loading Central Bank rates…
Mortgage simulator
Enter the property and choose the bank. The rate is pre-filled with the average across banks, and you can replace it with the one in your offer.
Results appear as soon as the rates are loaded.
The simulation holds the month's TR (or IPCA) constant and excludes insurance and fees (unless you fill in the optional field). It is not a credit offer or financial advice: the total effective cost (CET) is the figure the bank gives you.
Buy or rent: which builds more wealth?
Buyers pay a down payment, installments and property costs, and end up with an asset that may or may not appreciate. Renters invest the down payment and the monthly difference. Compare the net worth of each over the years.
The result appears as soon as the rates are loaded.
The model ignores the cost of selling the property, capital gains tax and rate changes over the years. The appreciation and yield defaults are assumptions, not forecasts: change them and see how the result responds.
Itaú’s rates by type of loan
In Sep 2026, 2 loan types had a rate reported by Itaú, among the 17 banks in the dataset. Rank 1st = lowest rate.
| Loan type | Itaú | Median | Rank |
|---|---|---|---|
| Market rate, TR-indexed | 12.1% | 11.8% | 8º de 12 |
| Regulated (FGTS and savings), TR-indexed | 11.9% | 10.6% | 13º de 13 |
Itaú reported 12.1% in Sep 2026, versus a median of 11.8% across 12 banks. These are simple averages, with no adjustment for borrower profile, term or down payment.
Who charges close to Itaú (Market rate, TR-indexed)
| # | Bank | Annual interest | Diff. (p.p.) |
|---|---|---|---|
| 6th | Banco Cooperativo Sicredi | 11.6% | −0.58 |
| 7th | Caixa Economica Federal | 12.1% | −0.09 |
| 8th | Itaú | 12.1% | — |
| 9th | Banco Bradesco | 12.2% | +0.10 |
| 10th | Banco Santander (Brasil) | 12.3% | +0.17 |
Who charges close to Itaú (Regulated (FGTS and savings), TR-indexed)
| # | Bank | Annual interest | Diff. (p.p.) |
|---|---|---|---|
| 11th | Banco Bradesco | 11.8% | −0.10 |
| 12th | Banco Santander (Brasil) | 11.9% | −0.02 |
| 13th | Itaú | 11.9% | — |
Itaú’s rates over the last 12 months
From Sep 2025 to Aug 2026, the average rate reported by Itaú for the Market rate, TR-indexed loan type ranged from 12.0% to 12.5% a year: it fell 0.39 percentage point between the first and the last reading.
| Month | Market TR | Regulated TR |
|---|---|---|
| Sep 2025 | 12.5% | 11.6% |
| Oct 2025 | 12.5% | 11.7% |
| Nov 2025 | 12.5% | 11.6% |
| Dec 2025 | 12.4% | 11.9% |
| Jan 2026 | 12.4% | 11.9% |
| Feb 2026 | 12.3% | 11.9% |
| Mar 2026 | 12.2% | 11.8% |
| Apr 2026 | 12.1% | 11.9% |
| May 2026 | 12.0% | 11.9% |
| Jun 2026 | 12.0% | 11.9% |
| Jul 2026 | 12.0% | 11.9% |
| Aug 2026 | 12.1% | 11.9% |
Source: Central Bank of Brazil, “Interest rates,” Sep 2026. This simulation does not replace Itaú.
Frequently asked questions about Itaú financing
What is the interest rate on Itaú home financing?
In Sep 2026, 12.1% a year for the Market rate, TR-indexed loan type, versus a median of 11.8% across the banks; for the other loan types: Regulated (FGTS and savings), TR-indexed 11.9%.