Cálculos Financeiros

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●♦✈❡r♥♦ ❞♦ ❊st❛❞♦ ❞♦ ❘✐♦ ●r❛♥❞❡ ❞♦ ◆♦rt❡
❙❡❝r❡t❛r✐❛ ❞❡ ❊st❛❞♦ ❞❛ ❊❞✉❝❛çã♦✱ ❞❛ ❈✉❧t✉r❛ ❡ ❞♦s ❉❡s♣♦rt♦s ✲ ❙❊❈❉
❯♥✐✈❡rs✐❞❛❞❡ ❞♦ ❊st❛❞♦ ❞♦ ❘✐♦ ●r❛♥❞❡ ❞♦ ◆♦rt❡ ✲ ❯❊❘◆
❋❛❝✉❧❞❛❞❡ ❞❡ ❈✐ê♥❝✐❛s ❊①❛t❛s ❡ ◆❛t✉r❛✐s ✲ ❋❆◆❆❚
❉❡♣❛rt❛♠❡♥t♦ ❞❡ ▼❛t❡♠át✐❝❛ ❡ ❊st❛tíst✐❝❛ ✲ ❉▼❊
◆ú❝❧❡♦ ❆✈❛♥ç❛❞♦ ❞❡ ❊❞✉❝❛çã♦ ❙✉♣❡r✐♦r ❞❡ ❆♣♦❞✐✲❘◆
❉✐s❝✐♣❧✐♥❛✿ ▼❛t❡♠át✐❝❛ ❋✐♥❛♥❝❡✐r❛
Pr♦❢❡ss♦r✭❛✮✿ ❊❧✐❛s ❞❛s ◆❡✈❡s ❋r❡✐r❡
❆❧✉♥♦✭❛✮✿ ◆♦ ✳
■■ ✲ ▲✐st❛ ❞❡ ❊①❡r❝í❝✐♦s ✲ ✷✵✶✺✳✶
✶✳ ❖❜t❡♥❤❛ ♦ ♣r❡ç♦ à ✈✐st❛ ❞❡ ✉♠ ❛✉t♦♠ó✈❡❧ ✜♥❛♥❝✐❛❞♦ à t❛①❛ ❞❡ 3% a.m.✱ s❡♥❞♦
♦ ♥ú♠❡r♦ ❞❡ ♣r❡st❛çõ❡s ✐❣✉❛❧ ❛ 10 ❡ $1500, 00 ♦ ✈❛❧♦r ❞❡ ❝❛❞❛ ♣r❡st❛çã♦ ♠❡♥s❛❧✱
✈❡♥❝❡♥❞♦ ❛ ♣r✐♠❡✐r❛ ✉♠ ♠ês ❛♣ós ❛ ❝♦♠♣r❛✳
resp. : $12795, 30
✷✳ ❯♠ ♣r♦❞✉t♦ é ✈❡♥❞✐❞♦ à ✈✐st❛ ♣♦r $40000, 00 ♦✉ ❛ ♣r❛③♦ ❡♠ 3 ♣r❡st❛çõ❡s ♠❡♥✲
s❛✐s ✐❣✉❛✐s✱ s❡♠ ❡♥tr❛❞❛✳ ◗✉❛❧ ♦ ✈❛❧♦r ❞❡ ❝❛❞❛ ♣r❡st❛çã♦✱ s❡ ❛ t❛①❛ ❞❡ ❥✉r♦s ❞♦
✜♥❛♥❝✐❛♠❡♥t♦ ❢♦r ❞❡ 7% a.m.❄
resp. : $15242, 07
✸✳ ❯♠ ❜❛r❝♦ é ✈❡♥❞✐❞♦ à ✈✐st❛ ♣♦r $6000, 00✱ ♦✉ ❡♥tã♦ ❝♦♠ 20% ❞❡ ❡♥tr❛❞❛ ♠❛✐s 4
♣r❡st❛çõ❡s ♠❡♥s❛✐s ❡ ✐❣✉❛✐s✳ ◗✉❛❧ ♦ ✈❛❧♦r ❞❡ ❝❛❞❛ ♣r❡st❛çã♦✱ s❡ ❛ t❛①❛ ❞❡ ❥✉r♦s ❢♦r
❞❡ 6% a.m.❄
resp. : $1385, 24
✹✳ ❯♠ ♠✐❝r♦❝♦♠♣✉t❛❞♦r é ✈❡♥❞✐❞♦ à ✈✐st❛ ♣♦r $2500, 00✱ ♦✉ ❡♥tã♦ ❡♠ 4 ♣r❡st❛çõ❡s
♠❡♥s❛✐s ✐❣✉❛✐s✱ s❡♥❞♦ ❛ ♣r✐♠❡✐r❛ ❞❛❞❛ ❝♦♠♦ ❡♥tr❛❞❛✳ ◗✉❛❧ ♦ ✈❛❧♦r ❞❡ ❝❛❞❛ ♣r❡st❛çã♦✱
s❡ ❛ t❛①❛ ❞❡ ❥✉r♦s ❢♦r ❞❡ 5, 6% a.m.❄
resp. : $676, 97
✺✳ ❉❡♣♦s✐t♦ ❡♠ ✉♠❛ ✐♥st✐t✉✐çã♦ ✜♥❛♥❝❡✐r❛✱ ♥♦ ✜♠ ❞❡ ❝❛❞❛ ♠ês✱ ❛ ✐♠♣♦rtâ♥❝✐❛ ❞❡
R$ 800, 00✱ ❛ 0, 5% ❛♦ ♠ês✳ ◗✉❛♥t♦ t❡r❡✐ ♥♦ ✜♠ ❞❡ 1 ❛♥♦❄
resp. : $9868, 45
✻✳ ❉❡s❡❥❛♠♦s ❢❛③❡r ❛♣❧✐❝❛çõ❡s ♠❡♥s❛✐s ✐♠❡❞✐❛t❛s ❞❡ R$12000, 00✱ ❞❡ ♠♦❞♦ q✉❡ ♥❛ ❞❛t❛
❞♦ ❞é❝✐♠♦ ❞❡♣ós✐t♦ ❝♦♥st✐t✉❛♠♦s ♦ ♠♦♥t❛♥t❡ ❞❡ R$125547, 00✳ ❆ q✉❡ t❛①❛ ❞❡✈❡♠♦s
❛♣❧✐❝❛r ❛q✉❡❧❛s ✐♠♣♦rtâ♥❝✐❛s❄
resp. : 1% a.m.
✶
✼✳ ◗✉❛♥t❛s ♠❡♥s❛❧✐❞❛❞❡s ❞❡ R$2000, 00 s❡rã♦ ♥❡❝❡ssár✐❛s ♣❛r❛✱ ❛ 0, 5% ❛♦ ♠ês✱ ❝♦♥s✲
t✐t✉✐r♠♦s ✉♠ ❝❛♣✐t❛❧ ❞❡ R$16283, 00❄
resp. : 8
✽✳ ❈❛❧❝✉❧❡ ♦ ♠♦♥t❛♥t❡ ❞❡ ✉♠❛ r❡♥❞❛ tr✐♠❡str❛❧ ❛♥t❡❝✐♣❛❞❛ ❞❡ 8 t❡r♠♦s ✐❣✉❛✐s ❛ $7000, 00✱
s❡♥❞♦ ❞❡ 2, 5% ❛♦ tr✐♠❡str❡ ❛ t❛①❛ ❞❡ ❥✉r♦ ❝♦♠♣♦st♦✳
resp. : $62682, 00
✾✳ ◗✉❛❧ ♦ ✈❛❧♦r ❛t✉❛❧ ❞❡ ✉♠❛ r❡♥❞❛ ❛♥✉❛❧ ✐♠❡❞✐❛t❛ ❞❡ 12 t❡r♠♦s ✐❣✉❛✐s ❛ R$15000, 00
❝❛❞❛ ✉♠✱ à t❛①❛ ❞❡ 6% ❛♦ ❛♥♦❄
resp. : 125757, 6 reais
✶✵✳ ❖ ✈❛❧♦r ❛t✉❛❧ ❞❡ ✉♠❛ r❡♥❞❛ ❛♥✉❛❧ ❡ ✐♠❡❞✐❛t❛ ❞❡ t❡r♠♦ ❞❡ R$9000, 00✱ à t❛①❛ ❞❡ 6%
❛♦ ❛♥♦✱ é ❞❡ R$66241, 00✳ ❈❛❧❝✉❧❡ s❡✉ ♥ú♠❡r♦ ❞❡ t❡r♠♦s✳
resp. : 10
✶✶✳ ❯♠ ❝♦♠❡r❝✐❛♥t❡ ♣õ❡ ❡♠ ♦❢❡rt❛ ✉♠ ❡❧❡tr♦❞♦♠ést✐❝♦ ❝♦♠ ♣r❡ç♦ à ✈✐st❛ ❞❡ R$499, 00✱
♦✉ ❡♠ 16 ♣r❡st❛çõ❡s ♠❡♥s❛✐s ✐❣✉❛✐s ❡ ❛♥t❡❝✐♣❛❞❛s ❞❡ R$48, 00✳ ◗✉❛❧ ❛ t❛①❛ ❡❢❡t✐✈❛
❝♦❜r❛❞❛ ♣❡❧♦ ❝♦♠❡r❝✐❛♥t❡❄
resp. : 6, 5% a.m.
✶✷✳ ◗✉❛❧ ♦ ✈❛❧♦r ❛t✉❛❧ ❞❡ ✉♠❛ r❡♥❞❛ ❞❡ 15 t❡r♠♦s ♠❡♥s❛✐s ❞❡ R$700, 00✱ ❝♦♠ 3 ♠❡s❡s
❞❡ ❝❛rê♥❝✐❛✱ à t❛①❛ ❞❡ 1, 5% ❛♦ ♠ês❄
resp. : 8932, 25 reais
✶✸✳ ❈❛❧❝✉❧❡ ❛ ❞í✈✐❞❛ ❛ss✉♠✐❞❛ ♣♦r ✉♠❛ ♣❡ss♦❛ q✉❡ ♣❛❣♦✉ 10 ♣r❡st❛çõ❡s ♠❡♥s❛✐s ❞❡
R$500, 00✱ ❛ ❥✉r♦s ❞❡ 3% ❛♦ ♠ês✱ ❝♦♠ ✉♠❛ ❝❛rê♥❝✐❛ ❞❡ 6 ♠❡s❡s✳
resp. : 3572 reais
✶✹✳ ❯♠❛ ♣❡ss♦❛ ❞❡♣♦s✐t❛ ♠❡♥s❛❧♠❡♥t❡✱ ❞✉r❛♥t❡ 7 ♠❡s❡s✱ $3500, 00 ♥✉♠ ❢✉♥❞♦ q✉❡ r❡✲
♠✉♥❡r❛ s❡✉s ❞❡♣ós✐t♦s à t❛①❛ ❞❡ 2, 1% a.m✳ ◗✉❛❧ ♦ ♠♦♥t❛♥t❡ ♥♦ ✐♥st❛♥t❡ ❞♦ ú❧t✐♠♦
❞❡♣ós✐t♦❄
resp. : $26098, 67
✶✺✳ ❯♠ ❝♦♥❥✉♥t♦ ❞❡ s♦❢ás é ✈❡♥❞✐❞♦ à ✈✐st❛ ♣♦r $6000, 00 ♦✉ ❛ ♣r❛③♦ ❡♠ 4 ♣r❡st❛çõ❡s
♠❡♥s❛✐s ❡ ✐❣✉❛✐s✱ ✈❡♥❝❡♥❞♦ ❛ ♣r✐♠❡✐r❛ 3 ♠❡s❡s ❛♣ós ❛ ❝♦♠♣r❛✳ ◗✉❛❧ ♦ ✈❛❧♦r ❞❡ ❝❛❞❛
♣r❡st❛çã♦✱ s❡ ❛ t❛①❛ ❞❡ ❥✉r♦s ❞♦ ✜♥❛♥❝✐❛♠❡♥t♦ ❢♦r ❞❡ 5, 8% a.m ❄
resp. : $1929, 36
✷
✶✻✳ ❯♠❛ ♠♦t♦ é ✈❡♥❞✐❞❛ ❡♠ 12 ♣r❡st❛çõ❡s ♠❡♥s❛✐s✳ ❆s ♣r❡st❛çõ❡s ❞❡ ♦r❞❡♠ í♠♣❛r sã♦
✐❣✉❛✐s ❛ $500, 00 ❡ ❛s ❞❡ ♦r❞❡♠ ♣❛r ✈❛❧❡♠ 60% ❛ ♠❛✐s✳ ❈♦♥s✐❞❡r❛♥❞♦ ❛ t❛①❛ ❞❡ ❥✉r♦s
❞❡ 3, 5% a.m.✱ ❝❛❧❝✉❧❡ ♦ ✈❛❧♦r à ✈✐st❛ ❞❡ss❛ ♠♦t♦✳
resp. : $6256, 24
✶✼✳ ❯♠ ❝❛rr♦ ❡stá à ✈❡♥❞❛ ♣♦r R$10000, 00 ❞❡ ❡♥tr❛❞❛ ♠❛✐s 24 ♣r❡st❛çõ❡s ♠❡♥s❛✐s ❞❡
R$2236, 51✳ ❈♦♠♦ ♦♣çã♦✱ ❛ ❛❣ê♥❝✐❛ ✈❡♥❞❡ ❡♠ 36 ♣r❡st❛çõ❡s ♠❡♥s❛✐s ❞❡ R$1613, 16✱
s❡♥❞♦ ♥❡st❡ ❝❛s♦ ❡①✐❣✐❞❛ ✉♠❛ ❡♥tr❛❞❛ ❞❡ R$12000, 00✳ ◗✉❛❧ é ❛ ♠❡❧❤♦r ❛❧t❡r♥❛t✐✈❛✱
s❡ ❛ t❛①❛ ❞❡ ♠❡r❝❛❞♦ ❢♦r ❞❡ 3% ❛♦ ♠ês❄
resp. : a segunda alternativa e melhor para o comprador, visto que possui menor valor atual
✶✽✳ ❯♠❛ ♣❡ss♦❛ ✈❛✐ r❡❝❡❜❡r 16 ♣r❡st❛çõ❡s ♠❡♥s❛✐s ✐❣✉❛✐s ❛ $400, 00✱ ❝♦♠ ✉♠ ❞✐❢❡r✐♠❡♥t♦
❞❡ 15 ♠❡s❡s✿ ❙❡♥❞♦ ❛ t❛①❛ ❞❡ ❥✉r♦s ✐❣✉❛❧ ❛ 2% a.m.✱ ♣❡r❣✉♥t❛✲s❡✿
✭❛✮ ◗✉❛❧ ♦ ✈❛❧♦r ❛t✉❛❧ ❞❛s ♣r❡st❛çõ❡s ♥❛ ❞❛t❛ ③❡r♦❄
Resp. : $4035, 38
✭❜✮ ◗✉❛❧ ♦ ♠♦♥t❛♥t❡ ♥❛ ❞❛t❛ ❢♦❝❛❧ 40❄
Resp. : $8910, 27
✶✾✳ ❙❡ ✉♠ ❛♣❛rt❛♠❡♥t♦ ❡stá r❡♥❞❡♥❞♦ ✉♠ ❛❧✉❣✉❡❧ ❞❡ R$500, 00 ♣♦r ♠ês ❡ s❡ ❛ t❛①❛ ❞❛
♠❡❧❤♦r ❛♣❧✐❝❛çã♦ ♥♦ ♠❡r❝❛❞♦ ✜♥❛♥❝❡✐r♦ é ❞❡ 1% ❛♦ ♠ês✱ q✉❛❧ s❡r✐❛ ✉♠❛ ♣r✐♠❡✐r❛
❡st✐♠❛t✐✈❛ ❞♦ ✈❛❧♦r ❞♦ ✐♠ó✈❡❧❄
resp. : 50000, 00 reais
✷✵✳ ❯♠♠❛❣❛③✐♥❡ ♦❢❡r❡❝❡✱ ❡♠ s✉❛ ♣r♦♠♦çã♦✱ ✉♠ t❡❧❡✈✐s♦r ♣♦r 24 ♣r❡st❛çõ❡s ❞❡R$300, 00✱
♦❝♦rr❡♥❞♦ ♦ ♣r✐♠❡✐r♦ ♣❛❣❛♠❡♥t♦ ❛♣❡♥❛s ❛♣ós 4 ♠❡s❡s ❞❛ ❝♦♠♣r❛✳ ◗✉❛❧ s❡r✐❛ ♦ ♣r❡ç♦
à ✈✐st❛ ❞❡st❡ t❡❧❡✈✐s♦r✱ ✉♠❛ ✈❡③ q✉❡ ❛ t❛①❛ ❞❡ ♠❡r❝❛❞♦ é ❞❡ 2, 5% a.m.❄
resp. : 4982, 40 reais
✷✶✳ ❯♠❛ ❜✐❝✐❝❧❡t❛ ❢♦✐ ✈❡♥❞✐❞❛ ❡♠ 4 ♣r❡st❛çõ❡s tr✐♠❡str❛✐s ❞❡ R$1000, 00✱ s❡♥❞♦ ❛ ♣r✐✲
♠❡✐r❛ ♥❛ ❝♦♠♣r❛✳ ❙❡ ❛ t❛①❛ ❞❡ ♠❡r❝❛❞♦ é ❞❡ 3% a.m.✱ q✉❛❧ é ♦ ♣r❡ç♦ à ✈✐st❛❄
resp. : 3519, 04 reais
✷✷✳ ◗✉❛♥t♦s ❞❡♣ós✐t♦s ❜✐♠❡str❛✐s ❞❡ R$1000, 00 s❡rã♦ ♥❡❝❡ssár✐♦s ♣❛r❛ q✉❡✱ s❡ ❛ r❡♠✉✲
♥❡r❛çã♦ ❢♦r ❞❡ 4% a.b.✱ s❡ t❡♥❤❛ R$29778, 08❄
✷✸✳ ❯♠ ❝❛rr♦ é ✈❡♥❞✐❞♦ ❛ ♣r❛③♦✱ ♣♦r ❝✐♥❝♦ ♣r❡st❛çõ❡s ♠❡ ♥s❛✐s ❞❡ R$1200, 00✱ ❝♦♠ ❛
♣r✐♠❡✐r❛ ♣r❡st❛çã♦ ✈❡♥❝❡♥❞♦ ✉♠ ♠ês ❛♣ós ❛ ❝♦♠♣r❛ ❛ t❛①❛ ❞❡ 4% a.m✳ ◗✉❛❧ ♦ ✈❛❧♦r
❞♦ ❝❛rr♦ ❛ ✈✐st❛❄
✷✹✳ ❯♠❛ ❧♦❥❛ ✈❡♥❞❡ ✉♠❛ ❣❡❧❛❞❡✐r❛ ♣♦r R$2000, 00 à ✈✐st❛ ♦✉ ✜♥❛♥❝✐❛❞❛ ❡♠ 12 ♠❡s❡s✱ ❛
❥✉r♦s ❞❡ 2% a.m. ◗✉❛❧ s❡rá ❛ ♣r❡st❛çã♦ ♠❡♥ s❛❧✱ s❡ ♥ã♦ ❢♦r ❞❛❞❛ ❡♥tr❛❞❛ ❛❧❣✉♠❛ ❡
❛ ♣r✐♠❡✐r❛ ♣r❡st❛çã♦ ✈❡♥❝❡r ❛♣ós 1 ♠ês ❄
✷✺✳ ◆✉♠❛ ❛❣ê♥❝✐❛ ❞❡ ❛✉t♦♠ó✈❡✐s ♦ ♣r❡ç♦ ❞❡ ✉♠ ❝❛rr♦✱ ❛ ✈✐st❛ é ❞❡ R$50000, 00✳ ◗✉❛❧
é ♦ ✈❛❧♦r ❞❛ ♣r❡st❛çã♦ ♠❡♥s❛❧✱ s❡ ♦ ❝❛rr♦ ❢♦r ✜♥❛♥❝✐❛❞♦ ❡♠ 12 ♠❡s❡s✱ s❡♠ ❡♥tr❛❞❛✱
❡ ❛ t❛①❛ ❞❡ ❥✉r♦s ❝♦♥tr❛t❛❞❛ ❢♦r ❞❡ 4% a.m.❄
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