Comparación de Préstamos

Compare two loan options side by side.

Monto (Préstamo A)

Tasa % (A)

Plazo Años (A)

Monto (Préstamo B)

Tasa % (B)

Plazo Años (B)

Pago Mensual A

1580,17 US$

Pago Mensual B

2042,71 US$

Interés Total A

318.861,22 US$

Ahorro Total

201.173,67 US$

Métrica	Préstamo A	Préstamo B	Diferencia
Pago Mensual A	1580,17 US$	2042,71 US$	462,54 US$
Total Pagado A	568.861,22 US$	367.687,55 US$	201.173,67 US$
Interés Total A	318.861,22 US$	117.687,55 US$	201.173,67 US$

Comparación de Préstamos: Guía Completa

Small rate differences can save thousands. A 0.5% difference on $300K saves over $30K in interest.

Shorter terms have higher payments but much less total interest. A 15-year mortgage saves tens of thousands vs 30-year.

Fixed rates offer predictable payments. Variable rates may start lower but carry risk of increases.

Loan A: 6.5% for 30yr. Monthly: $1,580. Total interest: $318,861.

Loan B: 5.5% for 15yr. Monthly: $2,043. Total interest: $117,726. Savings: $201,135.

Shorter or longer term?

Choose the shortest term you can afford. Shorter terms save significant interest.

How much does 1% rate difference matter?

On a $300K 30-year mortgage, 1% means approximately $60,000 more or less in total interest.

What fees to include?

Include origination fees, closing costs, appraisal fees, and prepayment penalties.

Is lower payment always better?

No. Lower payments often mean more total interest. Evaluate both monthly and total cost.

Can I pay off early?

Most loans allow early payoff but some have prepayment penalties. Check your terms.

Estimaciones únicamente. Consulta a un asesor financiero.