Mortgage calculator

Work out the monthly payment on a home loan in kwanzas, with or without the special regime of Banco Nacional de Angola's Aviso n.º 09/2024.

BNA's special regime for buying your own home: a maximum rate of 7% a year, up to Kz 150 million per property, terms up to 30 years, up to 100% of the property's value, and opening fees of at most 1%.

Property value

Down payment

Loan amount

AOA 45,000,000

Term (years)

Annual interest rate (%)

Opening fee (%)

Household monthly net income (optional)

Payment plan by year

Year	Interest	Principal	Outstanding
1	3,128,192	688,416	44,311,584
2	3,078,426	738,182	43,573,402
3	3,025,063	791,545	42,781,857
4	2,967,842	848,766	41,933,092
5	2,906,485	910,123	41,022,969
6	2,840,692	975,916	40,047,053
7	2,770,143	1,046,465	39,000,588
8	2,694,494	1,122,114	37,878,474
9	2,613,376	1,203,232	36,675,242
10	2,526,394	1,290,213	35,385,028
11	2,433,125	1,383,483	34,001,545
12	2,333,112	1,483,495	32,518,050
13	2,225,870	1,590,737	30,927,313
14	2,110,876	1,705,732	29,221,581
15	1,987,568	1,829,039	27,392,542
16	1,855,347	1,961,261	25,431,281
17	1,713,567	2,103,040	23,328,241
18	1,561,538	2,255,069	21,073,172
19	1,398,519	2,418,088	18,655,083
20	1,223,715	2,592,892	16,062,191
21	1,036,275	2,780,333	13,281,859
22	835,285	2,981,323	10,300,536
23	619,765	3,196,843	7,103,693
24	388,665	3,427,943	3,675,749
25	140,858	3,675,749	0

Who can use Aviso 9/2024

Individuals buying a home to live in permanently.
People who don't already have another home loan, with any bank.
It doesn't cover self-building, plots without infrastructure, work on an existing home, or buying from a spouse or close relative.
There are no fees for early repayment, full or partial.

An indicative simulation, not a loan offer. Each bank has its own calculation and approval rules, and the final figures may differ. Rules of Aviso n.º 09/2024 checked in October 2026.

Text of Aviso n.º 09/2024 ↗