TABELA DE SIMULAÇÃO SAC E PRICE - Um investidor pretende adquirir um imóvel no valor de R$ 500.000,00 o gerente do seu banco ofereceu duas propostas para crédito imobiliário... - MATEMÁTICA FINANCEIRA

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Parcelas Prestação Amortização Juros saldo devedor Entrada 
0 - - - R$300.000,00 Financiamento
1 R$4.780,00 R$2.500,00 R$2.280,00 R$297.500,00 Taxa ao ano
2 R$4.761,00 R$2.500,00 R$2.261,00 R$295.000,00 Taxa ao mês
3 R$4.742,00 R$2.500,00 R$2.242,00 R$292.500,00 numero de parcelas
4 R$4.723,00 R$2.500,00 R$2.223,00 R$290.000,00 R$200.000,00
5 R$4.704,00 R$2.500,00 R$2.204,00 R$287.500,00 R$300.000,00
6 R$4.685,00 R$2.500,00 R$2.185,00 R$285.000,00 9,49%
7 R$4.666,00 R$2.500,00 R$2.166,00 R$282.500,00 0,76%
8 R$4.647,00 R$2.500,00 R$2.147,00 R$280.000,00 120
9 R$4.628,00 R$2.500,00 R$2.128,00 R$277.500,00
10 R$4.609,00 R$2.500,00 R$2.109,00 R$275.000,00
11 R$4.590,00 R$2.500,00 R$2.090,00 R$272.500,00
12 R$4.571,00 R$2.500,00 R$2.071,00 R$270.000,00
13 R$4.552,00 R$2.500,00 R$2.052,00 R$267.500,00
14 R$4.533,00 R$2.500,00 R$2.033,00 R$265.000,00
15 R$4.514,00 R$2.500,00 R$2.014,00 R$262.500,00
16 R$4.495,00 R$2.500,00 R$1.995,00 R$260.000,00
17 R$4.476,00 R$2.500,00 R$1.976,00 R$257.500,00
18 R$4.457,00 R$2.500,00 R$1.957,00 R$255.000,00
19 R$4.438,00 R$2.500,00 R$1.938,00 R$252.500,00
20 R$4.419,00 R$2.500,00 R$1.919,00 R$250.000,00
21 R$4.400,00 R$2.500,00 R$1.900,00 R$247.500,00
22 R$4.381,00 R$2.500,00 R$1.881,00 R$245.000,00
23 R$4.362,00 R$2.500,00 R$1.862,00 R$242.500,00
24 R$4.343,00 R$2.500,00 R$1.843,00 R$240.000,00
25 R$4.324,00 R$2.500,00 R$1.824,00 R$237.500,00
26 R$4.305,00 R$2.500,00 R$1.805,00 R$235.000,00
27 R$4.286,00 R$2.500,00 R$1.786,00 R$232.500,00
28 R$4.267,00 R$2.500,00 R$1.767,00 R$230.000,00
29 R$4.248,00 R$2.500,00 R$1.748,00 R$227.500,00
30 R$4.229,00 R$2.500,00 R$1.729,00 R$225.000,00
31 R$4.210,00 R$2.500,00 R$1.710,00 R$222.500,00
32 R$4.191,00 R$2.500,00 R$1.691,00 R$220.000,00
33 R$4.172,00 R$2.500,00 R$1.672,00 R$217.500,00
34 R$4.153,00 R$2.500,00 R$1.653,00 R$215.000,00
35 R$4.134,00 R$2.500,00 R$1.634,00 R$212.500,00
36 R$4.115,00 R$2.500,00 R$1.615,00 R$210.000,00
37 R$4.096,00 R$2.500,00 R$1.596,00 R$207.500,00
38 R$4.077,00 R$2.500,00 R$1.577,00 R$205.000,00
39 R$4.058,00 R$2.500,00 R$1.558,00 R$202.500,00
40 R$4.039,00 R$2.500,00 R$1.539,00 R$200.000,00
41 R$4.020,00 R$2.500,00 R$1.520,00 R$197.500,00
42 R$4.001,00 R$2.500,00 R$1.501,00 R$195.000,00
43 R$3.982,00 R$2.500,00 R$1.482,00 R$192.500,00
Nome: Taynara Ferreira Guerra Matricula: 2035452
TABELA SAC
44 R$3.963,00 R$2.500,00 R$1.463,00 R$190.000,00
45 R$3.944,00 R$2.500,00 R$1.444,00 R$187.500,00
46 R$3.925,00 R$2.500,00 R$1.425,00 R$185.000,00
47 R$3.906,00 R$2.500,00 R$1.406,00 R$182.500,00
48 R$3.887,00 R$2.500,00 R$1.387,00 R$180.000,00
49 R$3.868,00 R$2.500,00 R$1.368,00 R$177.500,00
50 R$3.849,00 R$2.500,00 R$1.349,00 R$175.000,00
51 R$3.830,00 R$2.500,00 R$1.330,00 R$172.500,00
52 R$3.811,00 R$2.500,00 R$1.311,00 R$170.000,00
53 R$3.792,00 R$2.500,00 R$1.292,00 R$167.500,00
54 R$3.773,00 R$2.500,00 R$1.273,00 R$165.000,00
55 R$3.754,00 R$2.500,00 R$1.254,00 R$162.500,00
56 R$3.735,00 R$2.500,00 R$1.235,00 R$160.000,00
57 R$3.716,00 R$2.500,00 R$1.216,00 R$157.500,00
58 R$3.697,00 R$2.500,00 R$1.197,00 R$155.000,00
59 R$3.678,00 R$2.500,00 R$1.178,00 R$152.500,00
60 R$3.659,00 R$2.500,00 R$1.159,00 R$150.000,00
61 R$3.640,00 R$2.500,00 R$1.140,00 R$147.500,00
62 R$3.621,00 R$2.500,00 R$1.121,00 R$145.000,00
63 R$3.602,00 R$2.500,00 R$1.102,00 R$142.500,00
64 R$3.583,00 R$2.500,00 R$1.083,00 R$140.000,00
65 R$3.564,00 R$2.500,00 R$1.064,00 R$137.500,00
66 R$3.545,00 R$2.500,00 R$1.045,00 R$135.000,00
67 R$3.526,00 R$2.500,00 R$1.026,00 R$132.500,00
68 R$3.507,00 R$2.500,00 R$1.007,00 R$130.000,00
69 R$3.488,00 R$2.500,00 R$988,00 R$127.500,00
70 R$3.469,00 R$2.500,00 R$969,00 R$125.000,00
71 R$3.450,00 R$2.500,00 R$950,00 R$122.500,00
72 R$3.431,00 R$2.500,00 R$931,00 R$120.000,00
73 R$3.412,00 R$2.500,00 R$912,00 R$117.500,00
74 R$3.393,00 R$2.500,00 R$893,00 R$115.000,00
75 R$3.374,00 R$2.500,00 R$874,00 R$112.500,00
76 R$3.355,00 R$2.500,00 R$855,00 R$110.000,00
77 R$3.336,00 R$2.500,00 R$836,00 R$107.500,00
78 R$3.317,00 R$2.500,00 R$817,00 R$105.000,00
79 R$3.298,00 R$2.500,00 R$798,00 R$102.500,00
80 R$3.279,00 R$2.500,00 R$779,00 R$100.000,00
81 R$3.260,00 R$2.500,00 R$760,00 R$97.500,00
82 R$3.241,00 R$2.500,00 R$741,00 R$95.000,00
83 R$3.222,00 R$2.500,00 R$722,00 R$92.500,00
84 R$3.203,00 R$2.500,00 R$703,00 R$90.000,00
85 R$3.184,00 R$2.500,00 R$684,00 R$87.500,00
86 R$3.165,00 R$2.500,00 R$665,00 R$85.000,00
87 R$3.146,00 R$2.500,00 R$646,00 R$82.500,00
88 R$3.127,00 R$2.500,00 R$627,00 R$80.000,00
89 R$3.108,00 R$2.500,00 R$608,00 R$77.500,00
90 R$3.089,00 R$2.500,00 R$589,00 R$75.000,00
91 R$3.070,00 R$2.500,00 R$570,00 R$72.500,00
92 R$3.051,00 R$2.500,00 R$551,00 R$70.000,00
93 R$3.032,00 R$2.500,00 R$532,00 R$67.500,00
94 R$3.013,00 R$2.500,00 R$513,00 R$65.000,00
95 R$2.994,00 R$2.500,00 R$494,00 R$62.500,00
96 R$2.975,00 R$2.500,00 R$475,00 R$60.000,00
97 R$2.956,00 R$2.500,00 R$456,00 R$57.500,00
98 R$2.937,00 R$2.500,00 R$437,00 R$55.000,00
99 R$2.918,00 R$2.500,00 R$418,00 R$52.500,00
100 R$2.899,00 R$2.500,00 R$399,00 R$50.000,00
101 R$2.880,00 R$2.500,00 R$380,00 R$47.500,00
102 R$2.861,00 R$2.500,00 R$361,00 R$45.000,00
103 R$2.842,00 R$2.500,00 R$342,00 R$42.500,00
104 R$2.823,00 R$2.500,00 R$323,00 R$40.000,00
105 R$2.804,00 R$2.500,00 R$304,00 R$37.500,00
106 R$2.785,00 R$2.500,00 R$285,00 R$35.000,00
107 R$2.766,00 R$2.500,00 R$266,00 R$32.500,00
108 R$2.747,00 R$2.500,00 R$247,00 R$30.000,00
109 R$2.728,00 R$2.500,00 R$228,00 R$27.500,00
110 R$2.709,00 R$2.500,00 R$209,00 R$25.000,00
111 R$2.690,00 R$2.500,00 R$190,00 R$22.500,00
112 R$2.671,00 R$2.500,00 R$171,00 R$20.000,00
113 R$2.652,00 R$2.500,00 R$152,00 R$17.500,00
114 R$2.633,00 R$2.500,00 R$133,00 R$15.000,00
115 R$2.614,00 R$2.500,00 R$114,00 R$12.500,00
116 R$2.595,00 R$2.500,00 R$95,00 R$10.000,00
117 R$2.576,00 R$2.500,00 R$76,00 R$7.500,00
118 R$2.557,00 R$2.500,00 R$57,00 R$5.000,00
119 R$2.538,00 R$2.500,00 R$38,00 R$2.500,00
120 R$2.519,00 R$2.500,00 R$19,00 R$0,00
SOMA R$437.940,00 R$300.000,00 R$137.647,16
Parc+A142:A253elasPrestação Amortização Juros saldo devedor Entrada
0 - - - R$300.000,00 Financiamento
1 R$3.819,78 R$1.539,78 R$2.280,00 R$298.460,22 Taxa ao ano
2 R$3.819,78 R$1.551,49 R$2.268,30 R$296.908,73 Taxa ao mês
3 R$3.819,78 R$1.563,28 R$2.256,51 R$295.345,45 Numero de parcelas
4 R$3.819,78 R$1.575,16 R$2.244,63 R$293.770,29 R$200.000,00
5 R$3.819,78 R$1.587,13 R$2.232,65 R$292.183,17 R$300.000,00
6 R$3.819,78 R$1.599,19 R$2.220,59 R$290.583,97 9,49%
7 R$3.819,78 R$1.611,35 R$2.208,44 R$288.972,63 0,76%
8 R$3.819,78 R$1.623,59 R$2.196,19 R$287.349,04 120
9 R$3.819,78 R$1.635,93 R$2.183,85 R$285.713,11
10 R$3.819,78 R$1.648,36 R$2.171,42 R$284.064,74
11 R$3.819,78 R$1.660,89 R$2.158,89 R$282.403,85
12 R$3.819,78 R$1.673,51 R$2.146,27 R$280.730,34
13 R$3.819,78 R$1.686,23 R$2.133,55 R$279.044,10
14 R$3.819,78 R$1.699,05 R$2.120,74 R$277.345,05
TABELA PRICE
15 R$3.819,78 R$1.711,96 R$2.107,82 R$275.633,09
16 R$3.819,78 R$1.724,97 R$2.094,81 R$273.908,12
17 R$3.819,78 R$1.738,08 R$2.081,70 R$272.170,04
18 R$3.819,78 R$1.751,29 R$2.068,49 R$270.418,75
19 R$3.819,78 R$1.764,60 R$2.055,18 R$268.654,15
20 R$3.819,78 R$1.778,01 R$2.041,77 R$266.876,13
21 R$3.819,78 R$1.791,53 R$2.028,26 R$265.084,61
22 R$3.819,78 R$1.805,14 R$2.014,64 R$263.279,47
23 R$3.819,78 R$1.818,86 R$2.000,92 R$261.460,61
24 R$3.819,78 R$1.832,68 R$1.987,10 R$259.627,93
25 R$3.819,78 R$1.846,61 R$1.973,17 R$257.781,31
26 R$3.819,78 R$1.860,65 R$1.959,14 R$255.920,67
27 R$3.819,78 R$1.874,79 R$1.945,00 R$254.045,88
28 R$3.819,78 R$1.889,03 R$1.930,75 R$252.156,85
29 R$3.819,78 R$1.903,39 R$1.916,39 R$250.253,46
30 R$3.819,78 R$1.917,86 R$1.901,93 R$248.335,60
31 R$3.819,78 R$1.932,43 R$1.887,35 R$246.403,16
32 R$3.819,78 R$1.947,12 R$1.872,66 R$244.456,04
33 R$3.819,78 R$1.961,92 R$1.857,87 R$242.494,13
34 R$3.819,78 R$1.976,83 R$1.842,96 R$240.517,30
35R$3.819,78 R$1.991,85 R$1.827,93 R$238.525,45
36 R$3.819,78 R$2.006,99 R$1.812,79 R$236.518,46
37 R$3.819,78 R$2.022,24 R$1.797,54 R$234.496,21
38 R$3.819,78 R$2.037,61 R$1.782,17 R$232.458,60
39 R$3.819,78 R$2.053,10 R$1.766,69 R$230.405,50
40 R$3.819,78 R$2.068,70 R$1.751,08 R$228.336,80
41 R$3.819,78 R$2.084,42 R$1.735,36 R$226.252,38
42 R$3.819,78 R$2.100,27 R$1.719,52 R$224.152,11
43 R$3.819,78 R$2.116,23 R$1.703,56 R$222.035,88
44 R$3.819,78 R$2.132,31 R$1.687,47 R$219.903,57
45 R$3.819,78 R$2.148,52 R$1.671,27 R$217.755,06
46 R$3.819,78 R$2.164,85 R$1.654,94 R$215.590,21
47 R$3.819,78 R$2.181,30 R$1.638,49 R$213.408,91
48 R$3.819,78 R$2.197,88 R$1.621,91 R$211.211,04
49 R$3.819,78 R$2.214,58 R$1.605,20 R$208.996,46
50 R$3.819,78 R$2.231,41 R$1.588,37 R$206.765,05
51 R$3.819,78 R$2.248,37 R$1.571,41 R$204.516,68
52 R$3.819,78 R$2.265,46 R$1.554,33 R$202.251,22
53 R$3.819,78 R$2.282,67 R$1.537,11 R$199.968,55
54 R$3.819,78 R$2.300,02 R$1.519,76 R$197.668,52
55 R$3.819,78 R$2.317,50 R$1.502,28 R$195.351,02
56 R$3.819,78 R$2.335,12 R$1.484,67 R$193.015,90
57 R$3.819,78 R$2.352,86 R$1.466,92 R$190.663,04
58 R$3.819,78 R$2.370,74 R$1.449,04 R$188.292,30
59 R$3.819,78 R$2.388,76 R$1.431,02 R$185.903,53
60 R$3.819,78 R$2.406,92 R$1.412,87 R$183.496,62
61 R$3.819,78 R$2.425,21 R$1.394,57 R$181.071,41
62 R$3.819,78 R$2.443,64 R$1.376,14 R$178.627,77
63 R$3.819,78 R$2.462,21 R$1.357,57 R$176.165,55
64 R$3.819,78 R$2.480,93 R$1.338,86 R$173.684,63
65 R$3.819,78 R$2.499,78 R$1.320,00 R$171.184,85
66 R$3.819,78 R$2.518,78 R$1.301,00 R$168.666,07
67 R$3.819,78 R$2.537,92 R$1.281,86 R$166.128,15
68 R$3.819,78 R$2.557,21 R$1.262,57 R$163.570,94
69 R$3.819,78 R$2.576,64 R$1.243,14 R$160.994,29
70 R$3.819,78 R$2.596,23 R$1.223,56 R$158.398,07
71 R$3.819,78 R$2.615,96 R$1.203,83 R$155.782,11
72 R$3.819,78 R$2.635,84 R$1.183,94 R$153.146,27
73 R$3.819,78 R$2.655,87 R$1.163,91 R$150.490,40
74 R$3.819,78 R$2.676,06 R$1.143,73 R$147.814,34
75 R$3.819,78 R$2.696,39 R$1.123,39 R$145.117,95
76 R$3.819,78 R$2.716,89 R$1.102,90 R$142.401,06
77 R$3.819,78 R$2.737,54 R$1.082,25 R$139.663,52
78 R$3.819,78 R$2.758,34 R$1.061,44 R$136.905,18
79 R$3.819,78 R$2.779,30 R$1.040,48 R$134.125,88
80 R$3.819,78 R$2.800,43 R$1.019,36 R$131.325,45
81 R$3.819,78 R$2.821,71 R$998,07 R$128.503,74
82 R$3.819,78 R$2.843,16 R$976,63 R$125.660,59
83 R$3.819,78 R$2.864,76 R$955,02 R$122.795,82
84 R$3.819,78 R$2.886,54 R$933,25 R$119.909,29
85 R$3.819,78 R$2.908,47 R$911,31 R$117.000,81
86 R$3.819,78 R$2.930,58 R$889,21 R$114.070,24
87 R$3.819,78 R$2.952,85 R$866,93 R$111.117,39
88 R$3.819,78 R$2.975,29 R$844,49 R$108.142,09
89 R$3.819,78 R$2.997,90 R$821,88 R$105.144,19
90 R$3.819,78 R$3.020,69 R$799,10 R$102.123,50
91 R$3.819,78 R$3.043,65 R$776,14 R$99.079,86
92 R$3.819,78 R$3.066,78 R$753,01 R$96.013,08
93 R$3.819,78 R$3.090,08 R$729,70 R$92.923,00
94 R$3.819,78 R$3.113,57 R$706,21 R$89.809,43
95 R$3.819,78 R$3.137,23 R$682,55 R$86.672,20
96 R$3.819,78 R$3.161,07 R$658,71 R$83.511,12
97 R$3.819,78 R$3.185,10 R$634,68 R$80.326,02
98 R$3.819,78 R$3.209,31 R$610,48 R$77.116,72
99 R$3.819,78 R$3.233,70 R$586,09 R$73.883,02
100 R$3.819,78 R$3.258,27 R$561,51 R$70.624,75
101 R$3.819,78 R$3.283,04 R$536,75 R$67.341,71
102 R$3.819,78 R$3.307,99 R$511,80 R$64.033,72
103 R$3.819,78 R$3.333,13 R$486,66 R$60.700,60
104 R$3.819,78 R$3.358,46 R$461,32 R$57.342,14
105 R$3.819,78 R$3.383,98 R$435,80 R$53.958,15
106 R$3.819,78 R$3.409,70 R$410,08 R$50.548,45
107 R$3.819,78 R$3.435,62 R$384,17 R$47.112,84
108 R$3.819,78 R$3.461,73 R$358,06 R$43.651,11
109 R$3.819,78 R$3.488,04 R$331,75 R$40.163,08
110 R$3.819,78 R$3.514,54 R$305,24 R$36.648,53
111 R$3.819,78 R$3.541,25 R$278,53 R$33.107,28
112 R$3.819,78 R$3.568,17 R$251,62 R$29.539,11
113 R$3.819,78 R$3.595,29 R$224,50 R$25.943,82
114 R$3.819,78 R$3.622,61 R$197,17 R$22.321,21
115 R$3.819,78 R$3.650,14 R$169,64 R$18.671,07
116 R$3.819,78 R$3.677,88 R$141,90 R$14.993,19
117 R$3.819,78 R$3.705,84 R$113,95 R$11.287,35
118 R$3.819,78 R$3.734,00 R$85,78 R$7.553,35
119 R$3.819,78 R$3.762,38 R$57,41 R$3.790,97
120 R$3.819,78 R$3.790,97 R$28,81 R$0,00
SOMA R$458.374,04 R$300.000,00 157.995,89	
No financiamento pela tabela PRICE, as parcelas serão 
todas iguais, com amortização crescente ao longo do 
período. Ou seja, o saldo devedor irá diminuir mais 
lentamente. Já no financiamento pela tabela SAC, as 
amortizações são constantes e as parcelas vão diminuindo 
com o tempo. Assim, o saldo devedor reduz mais 
rapidamente. Diante do exposto, o financiamento pela tabela 
SAC neste caso, é mais vantajoso.