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A m o r t i z a ç ã o d e E m p r é s t i m o s ( J u r o s C o m p o s t o s )
A u t o r i a : L e o n a r d o Ta k a m a s a O t s u k a
C o m o c i t a r e s s e d o c u m e n t o :
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A m o r t i z a ç ã o d e E m p r é s t i m o s ( J u r o s C o m p o s t o s )
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2 � V L V W H P D � 6 $ & � p � R � P D L V � V L P S O H V � G R V � V L V W H P D V � � S R L V � R V � F i O F X O R V � V m R � V L P S O H V � H � G L U H W R V � � ( [ L V W H P � Y i U L D V � I y U P X O D V � G L U H W D V �
T X H � Y H U H P R V � D � V H J X L U �
F ó r m u l a p a r a C a l c u l a r o V a l o r d a A m o r t i z a ç ã o :
ۯ = ܁ ۲
૙ 
÷ ܖ
A = A m o r t i z a ç ã o
܁ ۲
૙ 
= S a l d o D e v e d o r
n = n ú m e r o d e p e r í o d o s
F ó r m u l a p a r a C a l c u l a r o V a l o r d a P a r c e l a ( P M T ) e m Q u a l q u e r P e r í o d o :
۾ ۻ ܂
ܖ
= ۯ + ܁ ۲
૙
െ ܖ െ ૚ . ۯ . ܑ
P M T
୬
= V a l o r d a P a r c e l a , n o 
p e r í o d o “ n ” d e s e j a d o
i = t a x a d e j u r o s
A = A m o r t i z a ç ã o
S D
଴ 
= S a l d o D e v e d o r
n = n ú m e r o d o p e r í o d o d e s e j a d o
P O R D E N T R O D O T E M A
�
F ó r m u l a p a r a C a l c u l a r o S a l d o D e v e d o r :
= S a l d o D e v e d o r n o i n s t a n t e “ n ”
= S a l d o D e v e d o r i n i c i a l ( P V ) 
n = n ú m e r o d e p e r í o d o s
A = A m o r t i z a ç ã o
( [ H P S O R � �
8 P � D P L J R � O K H � H P S U H V W D � 5 � � � � � � � � � � � T X H � G H Y H P � V H U � S D J R V � H P � � � S D U F H O D V � � 2 � V L V W H P D � G H � D P R U W L ] D o m R � D F H U W D G R � I R L � R �
6 $ & � � ) D o D � X P D � S O D Q L O K D � � V D E H Q G R � T X H � D � W D [ D � F R Q W U D W D G D � I R L � G H � � � � � D R � P r V � � � * , 0 ( 1 ( 6 � � � � � � � � S � � � � �
& R O H W D � G H � G D G R V �
3 9 � � � � � � � � �
Q � � � S D U F H O D V
S A C = P V / n = 1 0 0 0/ 5 = 2 0 0
� ž � P r V � � � � �
� ž � P r V � � � � �
� ž � P r V � � � � �
� ž � P r V � � � � �
� ž � P r V � � � � �
L � � � � � � � D R � P r V � � � � � � � � � � � �
P O R D E N T R O D O T E M A
� �
� ž � 3 D V V R � � ( I H W X D U � D � G L Y L V m R � G R � 3 9 � S H O R � Q ~ P H U R � G H � S D U F H O D V � H � S U H H Q F K H U � S U L P H L U R � D � F R O X Q D � A m o r t i z a ç ã o � � � � � � � � � � � � � � � �
S a l d o F i n a l =
J u r o s + A m o r t i z a ç ã o = T o t a l ( P M T )
S d I n í c i o - A M O R T
1 1 . 0 0 0 , 0 0 2 0 0 , 0 0 
2 2 0 0 , 0 0 
3 2 0 0 , 0 0 
4 2 0 0 , 0 0 
5 2 0 0 , 0 0 
n S a l d o i n í c i o
P a g a m e n t o / P a r c e l a
� ž � 3 D V V R � � & D O F X O D U � R V � - X U R V � G R � Q � � �
6 D O G R � L Q t F L R � � � L � � � � � � � � � � � � � � � � � � �
S a l d o F i n a l =
J u r o s + A m o r t i z a ç ã o = T o t a l ( P M T )
S d I n í c i o - A M O R T
1 1 . 0 0 0 , 0 0 1 0 0 , 0 0 2 0 0 , 0 0 
2 2 0 0 , 0 0 
3 2 0 0 , 0 0 
4 2 0 0 , 0 0 
5 2 0 0 , 0 0 
n S a l d o i n í c i o
P a g a m e n t o / P a r c e l a
� ž � 3 D V V R � � & D O F X O D U � R � W R W D O � G R � 3 0 7 �
- X U R V � � � $ P R U W L ] D o m R � � � � � � � � � � � � � � � �
S a l d o F i n a l =
J u r o s + A m o r t i z a ç ã o = T o t a l ( P M T )
S d I n í c i o - A M O R T
1 1 . 0 0 0 , 0 0 1 0 0 , 0 0 2 0 0 , 0 0 3 0 0 , 0 0 
2 2 0 0 , 0 0 
3 2 0 0 , 0 0 
4 2 0 0 , 0 0 
5 2 0 0 , 0 0 
n S a l d o i n í c i o
P a g a m e n t o / P a r c e l a
P O R D E N T R O D O T E M A
� �
� ž � 3 D V V R � � & D O F X O D U � R � 6 D O G R � ) L Q D O �
6 D O G R � L Q t F L R � � � $ P R U W L ] D o m R � � � � � � ± � � � � � � � � �
S a l d o F i n a l =
J u r o s + A m o r t i z a ç ã o = T o t a l ( P M T )
S d I n í c i o - A M O R T
1 1 . 0 0 0 , 0 0 1 0 0 , 0 0 2 0 0 , 0 0 3 0 0 , 0 0 8 0 0 , 0 0 
2 2 0 0 , 0 0 
3 2 0 0 , 0 0 
4 2 0 0 , 0 0 
5 2 0 0 , 0 0 
n S a l d o i n í c i o
P a g a m e n t o / P a r c e l a
� ž � 3 D V V R � � 5 H F R P H o D U � R � F L F O R � G H � F R Q W D V � S H O R V � - X U R V � � 3 0 7 � H � 6 D O G R � ) L Q D O � G R � S U y [ L P R � S H U t R G R �
S a l d o F i n a l =
J u r o s + A m o r t i z a ç ã o = T o t a l ( P M T )
S d I n í c i o - A M O R T
1 1 . 0 0 0 , 0 0 1 0 0 , 0 0 2 0 0 , 0 0 3 0 0 , 0 0 8 0 0 , 0 0 
2 8 0 0 , 0 0 2 0 0 , 0 0 
3 2 0 0 , 0 0 
4 2 0 0 , 0 0 
5 2 0 0 , 0 0 
n S a l d o i n í c i o
P a g a m e n t o / P a r c e l a
� ž � 3 D V V R � � 5 H S H W L U � W R G R V � R V � F i O F X O R V � D W p � R � ¿ Q D O � G D � S O D Q L O K D � �
S a l d o F i n a l =
J u r o s + A m o r t i z a ç ã o = T o t a l ( P M T )
S d I n í c i o - A M O R T
1 1 . 0 0 0 , 0 0 1 0 0 , 0 0 2 0 0 , 0 0 3 0 0 , 0 0 8 0 0 , 0 0 
2 8 0 0 , 0 0 8 0 , 0 0 2 0 0 , 0 0 2 8 0 , 0 0 6 0 0 , 0 0 
3 6 0 0 , 0 0 6 0 , 0 0 2 0 0 , 0 0 2 6 0 , 0 0 4 0 0 , 0 0 
4 4 0 0 , 0 0 4 0 , 0 0 2 0 0 , 0 0 2 4 0 , 0 0 2 0 0 , 0 0 
5 2 0 0 , 0 0 2 0 , 0 0 2 0 0 , 0 0 2 2 0 , 0 0 0 , 0 0
n S a l d o i n í c i o
P a g a m e n t o / P a r c e l a
P O R D E N T R O D O T E M A
� �
S i s t e m a d e A m o r t i z a ç ã o F r a n c ê s ( P r i c e )
4 X D Q G R � D V � S U H V W D o } H V � V m R � P H Q V D L V � H � D � W D [ D � D S U H V H Q W D G D � p � D Q X D O � F R P � F D S L W D O L ] D o m R � P H Q V D O � � R � V L V W H P D � I U D Q F r V �
r e c e b e o n o m e d e T a b e l a P r i c e � � � % 5 8 1 , � � � � � � � � S � � � � � �
( V V H � V L V W H P D � I R L � G H V H Q Y R O Y L G R � S R U � 5 L F K D U G � 3 U L F H � � H P � � � � � � � 1 R � 3 U L F H � D V � S U H V W D o } H V � V m R � F R Q V W D Q W H V � � R X � V H M D � � R � Y D O R U � G D V �
S D U F H O D V � � 3 0 7 � � p � L J X D O � � 7 U D W D � V H � G D � S e q u ê n c i a d e P a g a m e n t o s P o s t e c i p a d a � � M i � H V W X G D G D � Q R � 7 H P D � � � �
( [ H P S O R � �
8 P � D P L J R � O K H � H P S U H V W D � � � � � � � � � � � � T X H � G H Y H P � V H U � S D J R V � H P � � � S D U F H O D V � � 2 � V L V W H P D � G H � D P R U W L ] D o m R � H V F R O K L G R � I R L � R � 3 U L F H � �
0 R Q W H � D � S O D Q L O K D � � V D E H Q G R � T X H � D � W D [ D � D F H U W D G D � I R L � G H � � � � � D R � P r V � � � * , 0 ( 1 ( 6 � � � � � � � � S � � � � �
& R O H W D � G H � G D G R V �
3 9 � � � � � � � � � �
Q � � � � P H V H V
L � � � � � � D R � P r V � � � � � � � � � � �
3 0 7 � "
P O R D E N T R O D O T E M A
� �
P O R D E N T R O D O T E M A
� ž � 3 D V V R � � & D O F X O D U � R � Y D O R U � G R � 3 0 7 � ( H P 1 2 C ) .
C L x
R E G
f
C H S
1 0 0 0
i
1 0
P M T
n
5
R e s p o s t a n o v i s o r : 2 6 3 , 7 9
E N D
8g
P r o g r a m a n d o a 
H P 1 2 c p a r a s é r i e 
P o s t e c i p a d a
P V
& D O F X O D U � R � Y D O R U � G R � 3 0 7 � ( F ó r m u l a ) � � X W L O L ] D Q G R � D � I y U P X O D � G D � 6 H T X r Q F L D � G H � 3 D J D P H Q W R V � 3 R V W H F L S D G D �
$ � W D [ D � G H � � � � � D R � P r V � G H Y H U i � V H � G L Y L G L G D � S R U � � � � � S D U D � D S O L F D U � Q D � I y U P X O D �
L � � � � � � D � P � � � � � � � � 0 , 1
P M T = P V . 
P M T = 1 0 0 0 . 
P M T = 1 0 0 0 . 
P M T = 1 0 0 0 .
P M T = 1 0 0 0 .
P M T = 1 0 0 0 . 0 , 2 6 3 7 9 7
P M T = 2 6 3 , 7 9
� �
P O R D E N T R O D O T E M A
� ž � 3 D V V R � � 8 W L O L ] D U � R � Y D O R U � G R � 3 0 7 � � � � � � � � � � S D U D � S U H H Q F K H U � S U L P H L U R � D � F R O X Q D � P M T .
S a l d o F i n a l =
J u r o s + A m o r t i z a ç ã o = T o t a l ( P M T )
S d I n í c i o - A M O R T
1 1 . 0 0 0 , 0 0 2 6 3 , 7 9 
2 2 6 3 , 7 9 
3 2 6 3 , 7 9 
4 2 6 3 , 7 9 
5 2 6 3 , 7 9 
n S a l d o i n í c i o
P a g a m e n t o / P a r c e l a
� ž � 3 D V V R � � & D O F X O D U � R V � - X U R V � G R � Q � �
6 D O G R � L Q t F L R � � � L � � � � � � � � � � � � � � � � � � �
S a l d o F i n a l =
J u r o s + A m o r t i z a ç ã o = T o t a l ( P M T )
S d I n í c i o - A M O R T
1 1 . 0 0 0 , 0 0 1 0 0 , 0 0 2 6 3 , 7 9 
2 2 6 3 , 7 9 
3 2 6 3 , 7 9 
4 2 6 3 , 7 9 
5 2 6 3 , 7 9 
n S a l d o i n í c i o
P a g a m e n t o / P a r c e l a
� ž � 3 D V V R � � & D O F X O D U � D � $ P R U W L ] D o m R �
$ � I y U P X O D � S D U D � F D O F X O D U � R � 3 0 7 � p � V L P S O H V � � - X U R V � � - � � � � $ P R U W L ] D o m R � � $ � � � 3 0 7
= > 1 0 0 + = 2 6 3 , 7 9
� �
3 U H F L V D P R V � D F K D U � R � Y D O R U � G D � $ P R U W L ] D o m R � � $ � � � � 1 H V W H � F D V R � � p � V y � U H V R O Y H U � D � H T X D o m R �
1 0 0 + = 2 6 3 , 7 9
= 2 6 3 , 7 9 – 1 0 0
= 1 6 3 , 7 9
S a l d o F i n a l =
J u r o s + A m o r t i z a ç ã o = T o t a l ( P M T )
S d I n í c i o - A M O R T
1 1 . 0 0 0 , 0 0 1 0 0 , 0 0 1 6 3, 7 9 2 6 3 , 7 9 
2 2 6 3 , 7 9 
3 2 6 3 , 7 9 
4 2 6 3 , 7 9 
5 2 6 3 , 7 9 
n S a l d o i n í c i o
P a g a m e n t o / P a r c e l a
� ž � 3 D V V R � � & D O F X O D U � R � 6 D O G R � ) L Q D O �
6 G � , Q t F L R � $ P R U W � � � � � � ± � � � � � � � � � 8 3 6 , 2 1 
S a l d o F i n a l =
J u r o s + A m o r t i z a ç ã o = T o t a l ( P M T )
S d I n í c i o - A M O R T
1 1 . 0 0 0 , 0 0 1 0 0 , 0 0 1 6 3 , 7 9 2 6 3 , 7 9 8 3 6 , 2 1 
2 2 6 3 , 7 9 
3 2 6 3 , 7 9 
4 2 6 3 , 7 9 
5 2 6 3 , 7 9 
n S a l d o i n í c i o
P a g a m e n t o / P a r c e l a
P O R D E N T R O D O T E M A
� �
� ž � 3 D V V R � � 5 H F R P H o D U � R � F L F O R � G H � F R Q W D V � S H O R V � - X U R V � � 3 0 7 � H � 6 D O G R � ) L Q D O � G R � S U y [ L P R � S H U t R G R �
S a l d o F i n a l =
J u r o s + A m o r t i z a ç ã o = T o t a l ( P M T )
S d I n í c i o - A M O R T
1 1 . 0 0 0 , 0 0 1 0 0 , 0 0 1 6 3 , 7 9 2 6 3 , 7 9 8 3 6 , 2 1 
2 8 3 6 , 2 1 2 6 3 , 7 9 
3 2 6 3 , 7 9 
4 2 6 3 , 7 9 
5 2 6 3 , 7 9 
n S a l d o i n í c i o
P a g a m e n t o / P a r c e l a
S a l d o F i n a l =
J u r o s + A m o r t i z a ç ã o = T o t a l ( P M T )
S d I n í c i o - A M O R T
1 1 . 0 0 0 , 0 0 1 0 0 , 0 0 1 6 3 , 7 9 2 6 3 , 7 9 8 3 6 , 2 1 
2 8 3 6 , 2 1 8 3 , 6 2 1 8 0 , 1 7 2 6 3 , 7 9 6 5 6 , 0 4 
3 6 5 6 , 0 4 6 5 , 6 0 1 9 8 , 1 9 2 6 3 , 7 9 4 5 7 , 8 6 
4 4 5 7 , 8 6 4 5 , 7 9 2 1 8 , 0 0 2 6 3 , 7 9 2 3 9 , 8 5 
5 2 3 9 , 8 5 2 3 , 9 9 2 3 9 , 8 0 2 6 3 , 7 9 0 , 0 5 
n S a l d o i n í c i o
P a g a m e n t o / P a r c e l a
2 E V H U Y D o m R � � 1 R � 6 D O G R � ) L Q D O � U H V W R X � � � F H Q W D Y R V � G H � G L I H U H Q o D � � 1 m R � V H � S U H R F X S H � � S R L V � H V W D � G L I H U H Q o D � V H � G H Y H � D R �
D U U H G R Q G D P H Q W R � F R P � D � X W L O L ] D o m R � G H � G X D V � F D V D V � G H F L P D L V � � 6 H � I R V V H P � X W L O L ] D G D V � W R G D V � D V � F D V D V � G H F L P D L V � � Q m R � U H V W D U L D �
H V V D � G L I H U H Q o D �
P O R D E N T R O D O T E M A
� �
S i s t e m a F r a n c ê s T a b e l a P r i c e
• 1 H V W H � Y t G H R � K i � X P D � H [ S O L F D o m R � E H P � G L G i W L F D � G D � 7 D E H O D � 3 U L F H �
' L V S R Q t Y H O � H P � � < K W W S V � � � Z Z Z � \ R X W X E H � F R P � Z D W F K " Y ) : [ T J � 0 3 % , � > � � $ F H V V R � H P � � � � � D J R � � � � � � �
7 H P S R � � � � � � � �
T a b e l a P r i c e e S A C - F o r m a s d e A m o r t i z a ç ã o
• $ V V L V W D � D � H V W H � Y t G H R � T X H � D S U H V H Q W D � X P D � F R P S D U D o m R � H Q W U H � R V � V L V W H P D V � 3 U L F H � H � 6 $ & � � E H P �
F R P R � D � X W L O L ] D o m R � G R � ( [ F H O � S D U D � H I H W X D U � R V � F i O F X O R V �
' L V S R Q t Y H O � H P � � < K W W S V � � � Z Z Z � \ R X W X E H � F R P � Z D W F K " Y K K 0 � 7 � : U 2 \ < 	 O L V W 7 / / 7 6 % 6 . M � � � J N 3 W < J � U $ � G Y F � ) �
K Z 1 ) = , D > � � $ F H V V R � H P � � � � � D J R � � � � � � �
7 H P S R � � � � � � � �
S a c P r i c e - A n á l i s e C o m p a r a t i v a
• $ V V L V W D � D � H V W H � Y t G H R � H P � T X H � V H � I D ] � X P D � F R P S D U D o m R � G R V � V L V W H P D V � 3 U L F H � H � 6 $ & � H � V H � P R V W U D � D �
D S O L F D o m R � S U i W L F D � G H � P H U F D G R � G H � F D G D � W L S R � G H � D P R U W L ] D o m R �
' L V S R Q t Y H O � H P � � < K W W S V � � � Z Z Z � \ R X W X E H � F R P � Z D W F K " Y 6 L � 8 W � � N S 8 , > � � $ F H V V R � H P � � � � � D J R � � � � � � �
7 H P S R � � � � � � � �
A C O M PA N H E N A W E B
� �
I n s t r u ç õ e s :
$ J R U D � � F K H J R X � D � V X D � Y H ] � G H � H [ H U F L W D U � V H X � D S U H Q G L ] D G R � � $ � V H J X L U � � Y R F r � H Q F R Q W U D U i � D O J X P D V � T X H V W } H V � G H � P ~ O W L S O D �
H V F R O K D � H � G L V V H U W D W L Y D V � � / H L D � F X L G D G R V D P H Q W H � R V � H Q X Q F L D G R V � H � D W H Q W H � V H � S D U D � R � T X H � H V W i � V H Q G R � S H G L G R �
A G O R A É A S U A V E Z
Q u e s t ã o 1
� & ( ) � � � � � � � � P R G L ¿ F D G R � � 8 P � F R P S X W D G R U � p � Y H Q G L G R � H P � � � S U H V W D o } H V � P H Q V D L V � � F R Q V H F X W L Y D V � H � L J X D L V � D � 5 � � � � � � � � � � 2 V � M X U R V � F R �
E U D G R V � Q R � ¿ Q D Q F L D P H Q W R � G H V V H � F R P S X W D G R U � F R U U H V S R Q G H P � D � M X U R V � F R P S R V W R V � P H Q V D L V � G H � � � � � 6 H � D � S U L P H L U D � S U H V W D o m R � I R U � S D J D �
X P � P r V � D S y V � D � F R P S U D � � T X D O � R � S U H o R � j � Y L V W D � G R � F R P S X W D G R U " � 0 R Q W H � D � S O D Q L O K D � G H � D P R U W L ] D o m R �
a ) � 5 � � � � � � � � � � �
b ) � 5 � � � � � � � � � � �
c ) � 5 � � � � � � � � � � �
d ) � 5 � � � � � � � � � � �
e ) � 5 � � � � � � � � � � �
Q u e s t ã o 2
& R Q V L G H U H � T X H � Y R F r � W R P R X � H P S U H V W D G R � � � � � � � � � � � � H � W H U i � G H � S D J D U � H P � � � S D U F H O D V � S H O R � V L V W H P D � 6 $ & � � 0 R Q W H � D � S O D Q L O K D � � V D E H Q G R �
T X H � D � W D [ D � G H � M X U R V � G D � R S H U D o m R � I R L � G H � � � � � � D R � P r V � � � * , 0 ( 1 ( 6 � � � � � � � � S � � � � �
Q u e s t ã o 3
8 P � E D Q F R � H P S U H V W D � R � Y D O R U � G H � 5 � � � � � � � � � � � F R P � X P D � W D [ D � G H � � � � D R � P r V � S D U D � V H U � S D J R � H P � � � S D J D P H Q W R V � P H Q V D L V � F R P � F D U r Q �
F L D � G H � � � P H V H V � � F R Q W D G D � D � S D U W L U � G R � ¿ Q D O � G R � S U L P H L U R � P r V � � H � F R P � R V � M X U R V � V H Q G R � S D J R V � G X U D Q W H � R � S H U t R G R � G D � F D U r Q F L D � � ( O D E R U H � D �
S O D Q L O K D � G R � ¿ Q D Q F L D P H Q W R � S H O R � 6 $ & �
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Q u e s t ã o 4
8 P � E D Q F R � H P S U H V W D � R � Y D O R U � G H � 5 � � � � � � � � � � � � D � X P D � W D [ D � G H � � � � � D R � P r V � � S D U D � V H U � S D J R � H P � � � S D J D P H Q W R V � P H Q V D L V � � F R P � R � S U L �
P H L U R � S D J D P H Q W R � H I H W X D G R � G D T X L � D � � � � G L D V � � V H P � F D U r Q F L D � � � ( O D E R U H � D � S O D Q L O K D � G R � ¿ Q D Q F L D P H Q W R � S H O R � V L V W H P D � ) U D Q F r V � R X � 3 U L F H �
Q u e s t ã o 5
8 P � W D E O H W � p � Y H Q G L G R � S H O R � S U H o R � j � Y L V W D � G H � � � � � � � � � � P D V � S R G H � V H U � ¿ Q D Q F L D G R � c o m 2 5 % d e e n t r a d a � H � P D L V � � � S U H V W D o } H V � P H Q V D L V �
S H O R � 6 L V W H P D � G H � $ P R U W L ] D o m R � ) U D Q F r V � � 3 U L F H � � D � X P D � W D [ D � G H � � � � � D R � P r V � � ( O D E R U H � D � S O D Q L O K D � G H V W H � ¿ Q D Q F L D P H Q W R �
2 � 6 L V W H P D � G H � $ P R U W L ] D o m R � F R P S } H � V H � G H � Y i U L D V � P D Q H L U D V � G H � V H � D P R U W L ] D U � X P D � G t Y L G D � � S R G H Q G R � V H U � X W L O L ] D G R � H P �
G L Y H U V R V � W L S R V � G H � ¿ Q D Q F L D P H Q W R V � � �
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6 $ & � D � D P R U W L ] D o m R � p � F R Q V W D Q W H � � R X � V H M D � � R V � Y D O R U H V � G D � D P R U W L ] D o m R � V m R � V H P S U H � L J X D L V � � 2 � 6 L V W H P D � ) U D Q F r V � p � F D U D W H U L ] D G R �
S H O R � Y D O R U � L J X D O � G D V � S D U F H O D V � � H � G H Y H P R V � W H U � R � F R Q K H F L P H Q W R � G H � 6 H T X r Q F L D � G H � 3 D J D P H Q W R V � S D U D � S R G H U P R V � F D O F X O D U � R �
Y D O R U � G D � S D U F H O D � � 3 0 7 � � �
3 D U D � X P � E R P � D S U R Y H L W D P H Q W R � G H V W H � W H P D � � V X J H U H � V H � T X H � R � D O X Q R � I D o D � P D L V � H [ H U F t F L R V � � D O p P � G D T X H O H V � S U R S R V W R V � Q R V �
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e � L Q W H U H V V D Q W H � W D P E p P � X W L O L ] D U � R � / L Y U R � 7 H [ W R � G D � G L V F L S O L Q D � S D U D � F R P S O H P H Q W D U � R V � H V W X G R V �
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2 6 L G $ L G i L L G L G t L G G G L O L G
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3 U H Q W L F H � + D O O � � � � � � � �
$ 6 6 $ ) � 1 ( 7 2 � � $ O H [ D Q G U H � � M a t e m á t i c a F i n a n c e i r a e s u a s A p l i c a ç õ e s � � 6 m R � 3 D X O R � � $ W O D V � � � � � � �
% 5 8 1 , � � $ G U L D Q R � / H D O � � M a t e m á t i c a F i n a n c e i r a p a r a C o n c u r s o s � � 6 m R � 3 D X O R � � $ W O D V � � � � � � �
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R E F E R Ê N C I A S
A m o r t i z a ç ã o : � ³ 5 H I H U H � V H � H [ F O X V L Y D P H Q W H � D R � S D J D P H Q W R � G R � S U L Q F L S D O � � F D S L W D O � H P S U H J D G R � � � R � T X D O � p � H I H W X D G R � � J H U D O P H Q �
W H � � P H G L D Q W H � S D U F H O D V � S H U y G L F D V � > � � � @ ´ � � $ 6 6 $ ) � 1 ( 7 2 � � � � � � � � � S � � � � � �
P r i n c i p a l : � ³ e � R � Y D O R U � L Q L F L D O � G H � X P D � R S H U D o m R � � ( V W i � U H S U H V H Q W D G R � Q R � L Q V W D Q W H � µ ] H U R ¶ ´ � � * , 0 ( 1 ( 6 � � � � � � � � S � � � � � � ³ & R Q V L V W H �
Q D � T X D Q W L G D G H � G H � P R H G D � T X H � X P � L Q G L Y t G X R � W H P � G L V S R Q t Y H O � H � F R Q F R U G D � H P � F H G H U � D � R X W U R � � W H P S R U L D P H Q W H � � P H G L D Q W H � G H �
W H U P L Q D G D � U H P X Q H U D o m R ´ � � % 5 8 1 , � � � � � � � � S � � � � �
S e q u ê n c i a d e P a g a m e n t o s P o s t e c i p a d a : � 4 X D Q G R � R � S D J D P H Q W R � I R U � S R V W H F L S D G R � � R � S U L P H L U R � S D J D P H Q W R � R F R U U H � V R P H Q �
W H � D R � ¿ Q D O � G R � S U L P H L U R � S H U t R G R � � * , 0 ( 1 ( 6 � � � � � � � � S � � � � �
& 5 ( 6 3 2 � � $ Q W { Q L R � $ U Q R W � � M a t e m á t i c a F i n a n c e i r a F á c i l � � � � � � H G � � 6 m R � 3 D X O R � � 6 D U D L Y D � � � � � � �
A t i ã ³ 5 I O L W W G L L O � L W O G � O p I W G O
G L O S S Á R I O
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G A B A R I T O
Q u e s t ã o 1
R e s p o s t a : & R O H W D � G H � G D G R V �
Q � � � � P H V H V
3 0 7 � � � � � � �
L � � � � � D � P � � � � � � � � � � � �
P V = ? 
P M T = P V . 
3 5 0 = P V . 
3 5 0 = P V . 
3 5 0 = P V .
3 5 0 = P V .
3 5 0 = P V . 0 , 1 6 7 4 6 8
P V = 3 5 0 / 0 , 1 6 7 4 6 8
P V = 2 . 0 8 9 , 9 6
� �
G A B A R I T O
C L x
R E G
f
C H S
3 5 0
i
7
P V
n
8
R e s p o s t a n o v i s o r : 2 . 0 8 9 , 9 6 = 
a p r o x i m a d a m e n t e 2 . 0 9 0 , 0 0 
L e t r a E
E N D
8g
P r o g r a m a n d o a 
H P 1 2 c p a r a s é r i e 
P o s t e c i p a d a
P M T
P l a n i l h a d e A m o r t i z a ç ã o
S a l d o F i n a l =
j u r o + a m o r t i z a ç ã o = T o t a l ( P M T )
S d I n í c i o - A M O R T
1 2 . 0 9 0 , 0 0 1 4 6 , 3 0 2 0 3 , 7 0 3 5 0 , 0 0 1 . 8 8 6 , 3 0 
2 1 . 8 8 6 , 3 0 1 3 2 , 0 4 2 1 7 , 9 6 3 5 0 , 0 0 1 . 6 6 8 , 3 4 
3 1 . 6 6 8 , 3 4 1 1 6 , 7 8 2 3 3 , 2 2 3 5 0 , 0 0 1 . 4 3 5 , 1 2 
4 1 . 4 3 5 , 1 2 1 0 0 , 4 6 2 4 9 , 5 4 3 5 0 , 0 0 1 . 1 8 5 , 5 8 
5 1 . 1 8 5 , 5 8 8 2 , 9 9 2 6 7 , 0 1 3 5 0 , 0 0 9 1 8 , 5 7 
6 9 1 8 , 5 7 6 4 , 3 0 2 8 5 , 7 0 3 5 0 , 0 0 6 3 2 , 8 7 
7 6 3 2 , 8 7 4 4 , 3 0 3 0 5 , 7 0 3 5 0 , 0 0 3 2 7 , 1 8 
8 3 2 7 , 1 8 2 2 , 9 0 3 2 7 , 1 0 3 5 0 , 0 0 0 , 0 8 
n s a l d o í n i c i o
P a g a m e n t o / P a r c e l a
� �
Q u e s t ã o 2
R e s p o s t a : P l a n i l h a d e A m o r t i z a ç ã o
S a l d o F i n a l =
j u r o + a m o r t i z a ç ã o = T o t a l ( P M T )
S d I n í c i o - A M O R T
1 1 0 . 0 0 0 , 0 0 3 0 0 , 0 0 2 . 0 0 0 , 0 0 2 . 3 0 0 , 0 0 8 . 0 0 0 , 0 0 
2 8 . 0 0 0 , 0 0 2 4 0 , 0 0 2 . 0 0 0 , 0 0 2 . 2 4 0 , 0 0 6 . 0 0 0 , 0 0 
3 6 . 0 0 0 , 0 0 1 8 0 , 0 0 2 . 0 0 0 , 0 0 2 . 1 8 0 , 0 0 4 . 0 0 0 , 0 0 
4 4 . 0 0 0 , 0 0 1 2 0 , 0 0 2 . 0 0 0 , 0 0 2 . 1 2 0 , 0 0 2 . 0 0 0 , 0 0 
5 2 . 0 0 0 , 0 0 6 0 , 0 0 2 . 0 0 0 , 0 0 2 . 0 6 0 , 0 0 0 , 0 0
n s a l d o í n i c i o
P a g a m e n t o / P a r c e l a
Q u e s t ã o 3
R e s p o s t a : 3 O D Q L O K D � G H � ) L Q D Q F L D P H Q W R � S H O R � 6 $ &
S a l d o F i n a l =
J u r o s + A m o r t i z a ç ã o = T o t a l ( P M T )
S d I n í c i o - A M O R T
1 3 . 0 0 0 , 0 0 1 5 0 , 0 0 0 1 5 0 , 0 0 3 . 0 0 0 , 0 0 
2 3 . 0 0 0 , 0 0 1 5 0 , 0 0 0 1 5 0 , 0 0 3 . 0 0 0 , 0 0 
3 3 . 0 0 0 , 0 0 1 5 0 , 0 0 1 . 0 0 0 , 0 0 1 . 1 5 0 , 0 0 2 . 0 0 0 , 0 0 
4 2 . 0 0 0 , 0 0 1 0 0 , 0 0 1 . 0 0 0 , 0 0 1 . 1 0 0 , 0 0 1 . 0 0 0 , 0 0 
5 1 . 0 0 0 , 0 0 5 0 , 0 0 1 . 0 0 0 , 0 0 1 . 0 5 0 , 0 0 0 , 0 0
n S a l d o i n í c i o
P a g a m e n t o / P a r c e l a
Q u e s t ã o 4
R e s p o s t a : � 3 O D Q L O K D � G H � ) L Q D Q F L D P H Q W R � S H O R � 3 U L F H
S a l d o F i n a l =
J u r o s + A m o r t i z a ç ã o = T o t a l ( P M T )
S d I n í c i o - A M O R T
1 1 . 0 0 0 , 0 0 1 0 0 , 0 0 2 1 5 , 4 7 3 1 5 , 4 7 7 8 4 , 5 3 
2 7 8 4 , 5 3 7 8 , 4 5 2 3 7 , 0 2 3 1 5 , 4 7 5 4 7 , 5 1 
3 5 4 7 , 5 1 5 4 , 7 5 2 6 0 , 7 2 3 1 5 , 4 7 2 8 6 , 7 9 
4 2 8 6 , 7 9 2 8 , 6 8 2 8 6 , 7 9 3 1 5 , 4 7 0 , 0 0 
n S a l d o i n í c i o
P a g a m e n t o / P a r c e l a
G A B A R I T O
� �
G A B A R I T O
Q u e s t ã o 5
R e s p o s t a : � 3 O D Q L O K D � G R � ) L Q D Q F L D P H Q W R
S a l d o F i n a l =
j u r o + a m o r t i z a ç ã o = T o t a l ( P M T )
S d I n í c i o - A M O R T
1 1 . 8 7 5 , 0 0 93 , 7 5 3 3 9 , 3 3 4 3 3 , 0 8 1 . 5 3 5 , 6 7 
2 1 . 5 3 5 , 6 7 7 6 , 7 8 3 5 6 , 2 9 4 3 3 , 0 8 1 . 1 7 9 , 3 8 
3 1 . 1 7 9 , 3 8 5 8 , 9 7 3 7 4 , 1 1 4 3 3 , 0 8 8 0 5 , 2 7 
4 8 0 5 , 2 7 4 0 , 2 6 3 9 2 , 8 1 4 3 3 , 0 8 4 1 2 , 4 5 
5 4 1 2 , 4 5 2 0 , 6 2 4 1 2 , 4 5 4 3 3 , 0 8
0 , 0 0
n s a l d o í n i c i o
p a g a m e n t o