Tabela Price

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Tabela Price
	
	
		Sistema Francês de Amortização - Tabela Price						Tabela PRICE - Formulas
	
		Por este sistema, também conhecido como Tabela Price, as prestações periódicas são constantes, os juros decrescentes e as sucessivas quotas de amortização do principal são crescentes em P.G. de razão igual ao fator da taxa de juros considerada.						Prestação PMT = a
	
								a = C .		an		= 1-(1+Im)n
								an		Im		Im
								Im
	
		Dados do problema
		Valor presente	* 130,000	- Este é o valor de um empréstimo por exemplo.				Saldo Devedor Rn = a . an-r
		Nº. De períodos	36	- O número de períodos da amortização do empréstimo				Im
		Taxa de juros	1.50%	- A taxa de juros do período (mensal por exemplo)
		PMT	* 4,699.81	- O valor fixo de cada uma das prestações				Juros Yn = Im . Rn-1 = Im . a . an-r
								Im			Im
		Nº. De parcelas	Juros	Amortização	Saldo devedor
		0	0.0	0.0	* 130,000.00			Amortização A n = a - Yn
		1	* 1,950.00	* 2,749.81	* 127,250.19
		2	* 1,908.75	* 2,791.06	* 124,459.13
		3	* 1,866.89	* 2,832.92	* 121,626.21
		4	* 1,824.39	* 2,875.42	* 118,750.79			Dados do problema
		5	* 1,781.26	* 2,918.55	* 115,832.24			Valor presente		* 130,000
		6	* 1,737.48	* 2,962.33	* 112,869.91			Nº. De períodos		36
		7	* 1,693.05	* 3,006.76	* 109,863.15			Taxa de juros		1.50%
		8	* 1,647.95	* 3,051.86	* 106,811.28			Nº. De parcelas faltantes		20	Este número será utilizado para calcular o valor dos juros e da amortização
		9	* 1,602.17	* 3,097.64	* 103,713.64							em uma determinada parcela (na 4ª.parcela por exemplo)
		10	* 1,555.70	* 3,144.11	* 100,569.53			PMT		* 4,699.81
		11	* 1,508.54	* 3,191.27	* 97,378.27
		12	* 1,460.67	* 3,239.14	* 94,139.13
		13	* 1,412.09	* 3,287.72	* 90,851.40			Saldo devedor após o pagamento nº.			16
		14	* 1,362.77	* 3,337.04	* 87,514.36					* 80,689.36
		15	* 1,312.72	* 3,387.10	* 84,127.27
		16	* 1,261.91	* 3,437.90	* 80,689.36			Valor dos juros da parcela nº.			16
		17	* 1,210.34	* 3,489.47	* 77,199.89
		18	* 1,158.00	* 3,541.81	* 73,658.08					* 1,261.91
		19	* 1,104.87	* 3,594.94	* 70,063.14
		20	* 1,050.95	* 3,648.86	* 66,414.28			Valor da amortização da parcela nº.			16
		21	* 996.21	* 3,703.60	* 62,710.68
		22	* 940.66	* 3,759.15	* 58,951.53					* 3,437.90
		23	* 884.27	* 3,815.54	* 55,135.99
		24	* 827.04	* 3,872.77	* 51,263.22
		25	* 768.95	* 3,930.86	* 47,332.35
		26	* 709.99	* 3,989.83	* 43,342.53
		27	* 650.14	* 4,049.67	* 39,292.85
		28	* 589.39	* 4,110.42	* 35,182.44
		29	* 527.74	* 4,172.07	* 31,010.36
		30	* 465.16	* 4,234.66	* 26,775.71
		31	* 401.64	* 4,298.18	* 22,477.53
		32	* 337.16	* 4,362.65	* 18,114.88
		33	* 271.72	* 4,428.09	* 13,686.79
		34	* 205.30	* 4,494.51	* 9,192.28
		35	* 137.88	* 4,561.93	* 4,630.36
		36	* 69.46	* 4,630.36	* (0.00)
		37	0.0	0.0	0.0
		38	0.0	0.0	0.0
		39	0.0	0.0	0.0
		40	0.0	0.0	0.0
		41	0.0	0.0	0.0
		42	0.0	0.0	0.0
		43	0.0	0.0	0.0
		44	0.0	0.0	0.0
		45	0.0	0.0	0.0
		46	0.0	0.0	0.0
		47	0.0	0.0	0.0
		48	0.0	0.0	0.0
		49	0.0	0.0	0.0
		50	0.0	0.0	0.0
		51	0.0	0.0	0.0
		52	0.0	0.0	0.0
		53	0.0	0.0	0.0
		54	0.0	0.0	0.0
		55	0.0	0.0	0.0
		56	0.0	0.0	0.0
		57	0.0	0.0	0.0
		58	0.0	0.0	0.0
		59	0.0	0.0	0.0
		60	0.0	0.0	0.0
			* 39,193.21	* 130,000.00	* 2,612,880.74		4699.8114196692
Plan1
	Razonetes
											Somar na tabela os primeiros 12 meses de juros			Somar demais tabelas de juros na tabela
											Lançamento do juros na parcela			Transferir juros de lp para curto a partir da parcela 13
		Terreno			Leasing CP			Leasing LP			Juros a transcorrer CP			Juros a transcorrer LP
		* 130,000.00			* 4,699.81	* 56,397.74		* 4,699.81	* 112,795.47		* 20,536.86	* 1,950.00		* 18,656.35	* 1,412.09
					* 4,699.81	* 4,699.81		* 4,699.81			* 1,412.09	* 1,908.75			* 1,362.77
					* 4,699.81	* 4,699.81		* 4,699.81			* 1,362.77	* 1,866.89			* 1,312.72		* 18,243.71
					* 4,699.81	* 4,699.81		* 4,699.81			* 1,312.72	* 1,824.39			* 1,261.91		* 412.64
					* 4,699.81	* 4,699.81		* 4,699.81			* 1,261.91	* 1,781.26			* 1,210.34
					* 4,699.81	* 4,699.81		* 4,699.81			* 1,210.34	* 1,737.48			* 1,158.00
					* 4,699.81	* 4,699.81		* 4,699.81			* 1,158.00	* 1,693.05			* 1,104.87
					* 4,699.81	* 4,699.81		* 4,699.81			* 1,104.87	* 1,647.95			* 1,050.95
					* 4,699.81	* 4,699.81		* 4,699.81			* 1,050.95	* 1,602.17			* 996.21
					* 4,699.81	* 4,699.81		* 4,699.81			* 996.21	* 1,555.70			* 940.66
					* 4,699.81	* 4,699.81		* 4,699.81			* 940.66	* 1,508.54			* 884.27
					* 4,699.81	* 4,699.81		* 4,699.81			* 884.27	* 1,460.67			* 827.04
					* 4,699.81	* 4,699.81		* 4,699.81			* 827.04	* 1,412.09			* 768.95
					* 4,699.81	* 4,699.81		* 4,699.81			* 768.95	* 1,362.77			* 709.99
					* 4,699.81	* 4,699.81		* 4,699.81			* 709.99	* 1,312.72			* 650.14
					* 4,699.81	* 4,699.81		* 4,699.81			* 650.14	* 1,261.91			* 589.39
					* 4,699.81	* 4,699.81		* 4,699.81			* 589.39	* 1,210.34			* 527.74
					* 4,699.81	* 4,699.81		* 4,699.81			* 527.74	* 1,158.00			* 465.16
					* 4,699.81	* 4,699.81		* 4,699.81			* 465.16	* 1,104.87			* 401.64
					* 4,699.81	* 4,699.81		* 4,699.81			* 401.64	* 1,050.95			* 337.16
					* 4,699.81	* 4,699.81		* 4,699.81			* 337.16	* 996.21			* 271.72
						* 4,699.81					* 271.72
	
	
	
	
	
	
	
	
	
	
	
	
	
	
	
	
		Banco			Despesa com juros
			* 4,699.81		* 1,950.00
			* 4,699.81		* 1,908.75
			* 4,699.81		* 1,866.09
			* 4,699.81		* 1,824.39
			* 4,699.81		* 1,781.26
			* 4,699.81		* 1,737.48
			* 4,699.81		* 1,693.05
			* 4,699.81		* 1,647.95
			* 4,699.81		* 1,602.17
			* 4,699.81		* 1,555.70
			* 4,699.81		* 1,508.54
			* 4,699.81		* 1,460.67
			* 4,699.81		* 1,412.09
			* 4,699.81		* 1,362.77
			* 4,699.81		* 1,312.72
			* 4,699.81		* 1,261.91
			* 4,699.81		* 1,210.34
			* 4,699.81		* 1,158.00
			* 4,699.81		* 1,104.87
			* 4,699.81		* 1,050.95
					* 996.21