Demonstração O grande golpe dos bancos Antoine Y. Kamel

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Dados do contrato
	Dados do Contrato
	Valor do veículo	R$ 35,000.00
	Valor do IOF	R$ 1,130.40
	Outras taxas (taxa de gravame, registro, TAC, TEC)	R$ 0.00
	Valor total financiado	R$ 36,130.40
	Taxa de juros mensal	1.56%
	Taxa de juros anual	20.4127%
	Custo efetivo total mensal	1.71%
	Custo efetivo total anual	22.90%
	Forma de amortização	Tabela Price (prestações iguais)
	Data da contratação	16/09/11
	Vencimento da 1ª parcela	16/10/11
	Número de parcelas	48
	Valor de cada parcela	R$ 1,080.19
	Valor correto da parcela, calculado pela ferramenta do Banco Central do Brasil	R$ 1,074.97
Demonstração do Contrato
	Demonstração da execução do contrato
(saldo devedor final negativo, significa dizer, pagamento maior do que a dívida)
	Parcela	Saldo devedor	Parcela	Amortização	Juros (1,56% a.m.)	Saldo devedor após amortização
	0	R$ 36,130.40	36,130.40
	1	R$ 36,130.40	R$ 1,080.19	516.56	563.63	35,613.84
	2	R$ 35,613.84	R$ 1,080.19	524.61	555.58	35,089.23
	3	R$ 35,089.23	R$ 1,080.19	532.80	547.39	34,556.43
	4	R$ 34,556.43	R$ 1,080.19	541.11	539.08	34,015.32
	5	R$ 34,015.32	R$ 1,080.19	549.55	530.64	33,465.77
	6	R$ 33,465.77	R$ 1,080.19	558.12	522.07	32,907.65
	7	R$ 32,907.65	R$ 1,080.19	566.83	513.36	32,340.82
	8	R$ 32,340.82	R$ 1,080.19	575.67	504.52	31,765.14
	9	R$ 31,765.14	R$ 1,080.19	584.65	495.54	31,180.49
	10	R$ 31,180.49	R$ 1,080.19	593.77	486.42	30,586.72
	11	R$ 30,586.72	R$ 1,080.19	603.04	477.15	29,983.68
	12	R$ 29,983.68	R$ 1,080.19	612.44	467.75	29,371.23
	13	R$ 29,371.23	R$ 1,080.19	622.00	458.19	28,749.23
	14	R$ 28,749.23	R$ 1,080.19	631.70	448.49	28,117.53
	15	R$ 28,117.53	R$ 1,080.19	641.56	438.63	27,475.98
	16	R$ 27,475.98	R$ 1,080.19	651.56	428.63	26,824.41
	17	R$ 26,824.41	R$ 1,080.19	661.73	418.46	26,162.68
	18	R$ 26,162.68	R$ 1,080.19	672.05	408.14	25,490.63
	19	R$ 25,490.63	R$ 1,080.19	682.54	397.65	24,808.09
	20	R$ 24,808.09	R$ 1,080.19	693.18	387.01	24,114.91
	21	R$ 24,114.91	R$ 1,080.19	704.00	376.19	23,410.91
	22	R$ 23,410.91	R$ 1,080.19	714.98	365.21	22,695.93
	23	R$ 22,695.93	R$ 1,080.19	726.13	354.06	21,969.80
	24	R$ 21,969.80	R$ 1,080.19	737.46	342.73	21,232.34
	25	R$ 21,232.34	R$ 1,080.19	748.97	331.22	20,483.37
	26	R$ 20,483.37	R$ 1,080.19	760.65	319.54	19,722.72
	27	R$ 19,722.72	R$ 1,080.19	772.52	307.67	18,950.21
	28	R$ 18,950.21	R$ 1,080.19	784.57	295.62	18,165.64
	29	R$ 18,165.64	R$ 1,080.19	796.81	283.38	17,368.84
	30	R$ 17,368.84	R$ 1,080.19	809.24	270.95	16,559.60
	31	R$ 16,559.60	R$ 1,080.19	821.86	258.33	15,737.74
	32	R$ 15,737.74	R$ 1,080.19	834.68	245.51	14,903.06
	33	R$ 14,903.06	R$ 1,080.19	847.70	232.49	14,055.36
	34	R$ 14,055.36	R$ 1,080.19	860.93	219.26	13,194.43
	35	R$ 13,194.43	R$ 1,080.19	874.36	205.83	12,320.07
	36	R$ 12,320.07	R$ 1,080.19	888.00	192.19	11,432.08
	37	R$ 11,432.08	R$ 1,080.19	901.85	178.34	10,530.23
	38	R$ 10,530.23	R$ 1,080.19	915.92	164.27	9,614.31
	39	R$ 9,614.31	R$ 1,080.19	930.21	149.98	8,684.10
	40	R$ 8,684.10	R$ 1,080.19	944.72	135.47	7,739.38
	41	R$ 7,739.38	R$ 1,080.19	959.46	120.73	6,779.93
	42	R$ 6,779.93	R$ 1,080.19	974.42	105.77	5,805.50
	43	R$ 5,805.50	R$ 1,080.19	989.62	90.57	4,815.88
	44	R$ 4,815.88	R$ 1,080.19	1,005.06	75.13	3,810.82
	45	R$ 3,810.82	R$ 1,080.19	1,020.74	59.45	2,790.08
	46	R$ 2,790.08	R$ 1,080.19	1,036.66	43.53	1,753.41
	47	R$ 1,753.41	R$ 1,080.19	1,052.84	27.35	700.57
	48	R$ 700.57	R$ 1,080.19	1,069.26	10.93	-368.69
Demonstração da Parcela Correta
	Demonstração do pagamento com parcelas corretas, calculadas pela ferramenta do Banco Central do Brasil (resta a diferença de 15 centavos, que pode ser cobrada junto com alguma parcela)
	Parcela	Saldo devedor	Parcela	Amortização	Juros (1,56% a.m.)	Saldo devedor após amortização
	0	R$ 36,130.40	36,130.40
	1	R$ 36,130.40	R$ 1,074.97	511.34	563.63	35,619.06
	2	R$ 35,619.06	R$ 1,074.97	519.31	555.66	35,099.75
	3	R$ 35,099.75	R$ 1,074.97	527.41	547.56	34,572.34
	4	R$ 34,572.34	R$ 1,074.97	535.64	539.33	34,036.70
	5	R$ 34,036.70	R$ 1,074.97	544.00	530.97	33,492.70
	6	R$ 33,492.70	R$ 1,074.97	552.48	522.49	32,940.21
	7	R$ 32,940.21	R$ 1,074.97	561.10	513.87	32,379.11
	8	R$ 32,379.11	R$ 1,074.97	569.86	505.11	31,809.26
	9	R$ 31,809.26	R$ 1,074.97	578.75	496.22	31,230.51
	10	R$ 31,230.51	R$ 1,074.97	587.77	487.20	30,642.74
	11	R$ 30,642.74	R$ 1,074.97	596.94	478.03	30,045.79
	12	R$ 30,045.79	R$ 1,074.97	606.26	468.71	29,439.54
	13	R$ 29,439.54	R$ 1,074.97	615.71	459.26	28,823.82
	14	R$ 28,823.82	R$ 1,074.97	625.32	449.65	28,198.51
	15	R$ 28,198.51	R$ 1,074.97	635.07	439.90	27,563.43
	16	R$ 27,563.43	R$ 1,074.97	644.98	429.99	26,918.45
	17	R$ 26,918.45	R$ 1,074.97	655.04	419.93	26,263.41
	18	R$ 26,263.41	R$ 1,074.97	665.26	409.71	25,598.15
	19	R$ 25,598.15	R$ 1,074.97	675.64	399.33	24,922.51
	20	R$ 24,922.51	R$ 1,074.97	686.18	388.79	24,236.33
	21	R$ 24,236.33	R$ 1,074.97	696.88	378.09	23,539.45
	22	R$ 23,539.45	R$ 1,074.97	707.75	367.22	22,831.69
	23	R$ 22,831.69	R$ 1,074.97	718.80	356.17	22,112.90
	24	R$ 22,112.90	R$ 1,074.97	730.01	344.96	21,382.89
	25	R$ 21,382.89	R$ 1,074.97	741.40	333.57	20,641.49
	26	R$ 20,641.49	R$ 1,074.97	752.96	322.01	19,888.53
	27	R$ 19,888.53	R$ 1,074.97	764.71	310.26	19,123.82
	28	R$ 19,123.82	R$ 1,074.97	776.64	298.33	18,347.18
	29	R$ 18,347.18	R$ 1,074.97	788.75	286.22	17,558.43
	30	R$ 17,558.43	R$ 1,074.97	801.06	273.91	16,757.37
	31	R$ 16,757.37	R$ 1,074.97	813.56	261.41	15,943.82
	32	R$ 15,943.82	R$ 1,074.97	826.25	248.72	15,117.57
	33	R$ 15,117.57	R$ 1,074.97	839.14	235.83	14,278.43
	34	R$ 14,278.43	R$ 1,074.97	852.23	222.74	13,426.21
	35	R$ 13,426.21	R$ 1,074.97	865.52	209.45	12,560.69
	36	R$ 12,560.69	R$ 1,074.97	879.02	195.95	11,681.66
	37	R$ 11,681.66	R$ 1,074.97	892.74	182.23	10,788.93
	38	R$ 10,788.93	R$ 1,074.97	906.66	168.31	9,882.26
	39	R$ 9,882.26	R$ 1,074.97	920.81	154.16	8,961.46
	40	R$ 8,961.46	R$ 1,074.97	935.17	139.80	8,026.28
	41	R$ 8,026.28	R$ 1,074.97	949.76	125.21	7,076.53
	42	R$ 7,076.53	R$ 1,074.97	964.58	110.39	6,111.95
	43	R$ 6,111.95	R$ 1,074.97	979.62	95.35	5,132.33
	44	R$ 5,132.33	R$ 1,074.97	994.91	80.06	4,137.42
	45	R$ 4,137.42	R$ 1,074.97	1,010.43	64.54	3,126.99
	46	R$ 3,126.99	R$ 1,074.97	1,026.19	48.78	2,100.80
	47	R$ 2,100.80	R$ 1,074.97	1,042.20	32.77	1,058.61
	48	R$ 1,058.61	R$ 1,074.97	1,058.46	16.51	0.15