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TABELA PRICE E SAC

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Planilha1
																																	TAXA EFETIVA- AI FAZ O A TAXA EQUIVALENTE
																																		Apto 245 mil entrada de 20% taxa de 6,5% a.a. na Tabela price e 6,55% a.a. tabela SAC por 240 meses
																																											TABELA SAC
																																											PARCELA	SALDO DEVEDOR	AMORTIZAÇÃO	JUROS	PRESTAÇÃO
																VALOR	R$ 350,000	ENTRADA	R$ 80,000	FINANCIAMENTO	R$ 270,000		i= 9,6%a.a	0.8	a.m		n=150 meses
																TABELA SAC						TABELA PRICE
																PARCELA	SALDO DEVEDOR	AMORTIZAÇÃO	JUROS	PRESTAÇÃO		PARCELA	SALDO DEVEDOR	AMORTIZAÇÃO	JUROS	PRESTAÇÃO
			R$ 120,000	13,20% A.A 	1.1	n=10 meses										0	R$ 270,000.00					0	R$ 270,000.00					270.000=(1+0,008)^150-1/(1+0,008)^150*0,008
		TABELA PRICE														1	R$ 268,200.00	R$ 1,800.00	R$ 2,160.00	R$ 3,960.00		1	R$ 269,062.62	R$ 937.38	R$ 2,160.00	3097.3768745326			2.3043026329	0.0264344211
								i=(1+i/12)-1								2	R$ 266,400.00	R$ 1,800.00	R$ 2,145.60	R$ 3,945.60		2	R$ 268,117.75	R$ 944.88	R$ 2,152.50	3097.3768745326			87.1705352423
		PARCELA	SALDO DEVEDOR	AMORTIZAÇÃO	JUROS	PRESTAÇÃO		i= 	1.1402861965	-1						3	R$ 264,600.00	R$ 1,800.00	R$ 2,131.20	R$ 3,931.20		3	R$ 267,165.31	R$ 952.43	R$ 2,144.94	3097.3768745326		3097.3768745326
		0	R$ 120,000.00					i=	0.1402861965							4	R$ 262,800.00	R$ 1,800.00	R$ 2,116.80	R$ 3,916.80		4	R$ 266,205.26	R$ 960.05	R$ 2,137.32	3097.3768745326
		1	R$ 108,582.09	R$ 11,417.91	R$ 1,320.00	R$ 12,737.91		i=	14.03%							5	R$ 261,000.00	R$ 1,800.00	R$ 2,102.40	R$ 3,902.40		5	R$ 265,237.52	R$ 967.73	R$ 2,129.64	3097.3768745326		O ARREDONDAMENTO FEZ DAR ERRO
		2	R$ 97,038.58	R$ 11,543.51	R$ 1,194.40	R$ 12,737.91										6	R$ 259,200.00	R$ 1,800.00	R$ 2,088.00	R$ 3,888.00		6	R$ 264,262.05	R$ 975.48	R$ 2,121.90	3097.3768745326
		3	R$ 85,368.10	R$ 11,670.49	R$ 1,067.42	R$ 12,737.91										7	R$ 257,400.00	R$ 1,800.00	R$ 2,073.60	R$ 3,873.60		7	R$ 263,278.77	R$ 983.28	R$ 2,114.10	3097.3768745326
		4	R$ 73,569.24	R$ 11,798.86	R$ 939.05	R$ 12,737.91										8	R$ 255,600.00	R$ 1,800.00	R$ 2,059.20	R$ 3,859.20		8	R$ 262,287.62	R$ 991.15	R$ 2,106.23	3097.3768745326
		5	R$ 61,640.59	R$ 11,928.65	R$ 809.26	R$ 12,737.91										9	R$ 253,800.00	R$ 1,800.00	R$ 2,044.80	R$ 3,844.80		9	R$ 261,288.54	R$ 999.08	R$ 2,098.30	3097.3768745326
		6	R$ 49,580.72	R$ 12,059.86	R$ 678.05	R$ 12,737.91										10	R$ 252,000.00	R$ 1,800.00	R$ 2,030.40	R$ 3,830.40		10	R$ 260,281.47	R$ 1,007.07	R$ 2,090.31	3097.3768745326
		7	R$ 37,388.20	R$ 12,192.52	R$ 545.39	R$ 12,737.91										11	R$ 250,200.00	R$ 1,800.00	R$ 2,016.00	R$ 3,816.00		11	R$ 259,266.35	R$ 1,015.13	R$ 2,082.25	3097.3768745326
		8	R$ 25,061.56	R$ 12,326.64	R$ 411.27	R$ 12,737.91										12	R$ 248,400.00	R$ 1,800.00	R$ 2,001.60	R$ 3,801.60		12	R$ 258,243.10	R$ 1,023.25	R$ 2,074.13	3097.3768745326
		9	R$ 12,599.33	R$ 12,462.23	R$ 275.68	R$ 12,737.91										13	R$ 246,600.00	R$ 1,800.00	R$ 1,987.20	R$ 3,787.20		13	R$ 257,211.67	R$ 1,031.43	R$ 2,065.94	3097.3768745326
		10	R$ 0.01	R$ 12,599.32	R$ 138.59	R$ 12,737.91										14	R$ 244,800.00	R$ 1,800.00	R$ 1,972.80	R$ 3,772.80		14	R$ 256,171.99	R$ 1,039.68	R$ 2,057.69	3097.3768745326
																15	R$ 243,000.00	R$ 1,800.00	R$ 1,958.40	R$ 3,758.40		15	R$ 255,123.99	R$ 1,048.00	R$ 2,049.38	3097.3768745326
		TOTAL	R$ 550,828.43	R$ 119,999.99	R$ 7,379.11	R$ 127,379.10										16	R$ 241,200.00	R$ 1,800.00	R$ 1,944.00	R$ 3,744.00		16	R$ 254,067.60	R$ 1,056.38	R$ 2,040.99	3097.3768745326
		TABELA SAC														17	R$ 239,400.00	R$ 1,800.00	R$ 1,929.60	R$ 3,729.60		17	R$ 253,002.77	R$ 1,064.84	R$ 2,032.54	3097.3768745326
																18	R$ 237,600.00	R$ 1,800.00	R$ 1,915.20	R$ 3,715.20		18	R$ 251,929.41	R$ 1,073.35	R$ 2,024.02	3097.3768745326
		PARCELA	SALDO DEVEDOR	AMORTIZAÇÃO	JUROS	PRESTAÇÃO										19	R$ 235,800.00	R$ 1,800.00	R$ 1,900.80	R$ 3,700.80		19	R$ 250,847.47	R$ 1,081.94	R$ 2,015.44	3097.3768745326
		0	R$ 120,000.00													20	R$ 234,000.00	R$ 1,800.00	R$ 1,886.40	R$ 3,686.40		20	R$ 249,756.87	R$ 1,090.60	R$ 2,006.78	3097.3768745326
		1	R$ 108,000.00	R$ 12,000.00	R$ 1,320.00	R$ 13,320.00										21	R$ 232,200.00	R$ 1,800.00	R$ 1,872.00	R$ 3,672.00		21	R$ 248,657.55	R$ 1,099.32	R$ 1,998.05	3097.3768745326
		2	R$ 96,000.00	R$ 12,000.00	R$ 1,188.00	R$ 13,188.00										22	R$ 230,400.00	R$ 1,800.00	R$ 1,857.60	R$ 3,657.60		22	R$ 247,549.43	R$ 1,108.12	R$ 1,989.26	3097.3768745326
		3	R$ 84,000.00	R$ 12,000.00	R$ 1,056.00	R$ 13,056.00										23	R$ 228,600.00	R$ 1,800.00	R$ 1,843.20	R$ 3,643.20		23	R$ 246,432.45	R$ 1,116.98	R$ 1,980.40	3097.3768745326
		4	R$ 72,000.00	R$ 12,000.00	R$ 924.00	R$ 12,924.00										24	R$ 226,800.00	R$ 1,800.00	R$ 1,828.80	R$ 3,628.80		24	R$ 245,306.54	R$ 1,125.92	R$ 1,971.46	3097.3768745326
		5	R$ 60,000.00	R$ 12,000.00	R$ 792.00	R$ 12,792.00										25	R$ 225,000.00	R$ 1,800.00	R$ 1,814.40	R$ 3,614.40		25	R$ 244,171.61	R$ 1,134.92	R$ 1,962.45	3097.3768745326
		6	R$ 48,000.00	R$ 12,000.00	R$ 660.00	R$ 12,660.00										26	R$ 223,200.00	R$ 1,800.00	R$ 1,800.00	R$ 3,600.00		26	R$ 243,027.61	R$ 1,144.00	R$ 1,953.37	3097.3768745326
		7	R$ 36,000.00	R$ 12,000.00	R$ 528.00	R$ 12,528.00										27	R$ 221,400.00	R$ 1,800.00	R$ 1,785.60	R$ 3,585.60		27	R$ 241,874.45	R$ 1,153.16	R$ 1,944.22	3097.3768745326
		8	R$ 24,000.00	R$ 12,000.00	R$ 396.00	R$ 12,396.00										28	R$ 219,600.00	R$ 1,800.00	R$ 1,771.20	R$ 3,571.20		28	R$ 240,712.07	R$ 1,162.38	R$ 1,935.00	3097.3768745326
		9	R$ 12,000.00	R$ 12,000.00	R$ 264.00	R$ 12,264.00										29	R$ 217,800.00	R$ 1,800.00	R$ 1,756.80	R$ 3,556.80		29	R$ 239,540.39	R$ 1,171.68	R$ 1,925.70	3097.3768745326
		10	R$ - 0	R$ 12,000.00	R$ 132.00	R$ 12,132.00										30	R$ 216,000.00	R$ 1,800.00	R$ 1,742.40	R$ 3,542.40		30	R$ 238,359.34	R$ 1,181.05	R$ 1,916.32	3097.3768745326
																31	R$ 214,200.00	R$ 1,800.00	R$ 1,728.00	R$ 3,528.00		31	R$ 237,168.83	R$ 1,190.50	R$ 1,906.87	3097.3768745326
		TOTAL	R$ 540,000.00	R$ 120,000.00	R$ 7,260.00	R$ 127,260.00										32	R$ 212,400.00	R$ 1,800.00	R$ 1,713.60	R$ 3,513.60		32	R$ 235,968.81	R$ 1,200.03	R$ 1,897.35	3097.3768745326
																33	R$ 210,600.00	R$ 1,800.00	R$ 1,699.20	R$ 3,499.20		33	R$ 234,759.18	R$ 1,209.63	R$ 1,887.75	3097.3768745326
																34	R$ 208,800.00	R$ 1,800.00	R$ 1,684.80	R$ 3,484.80		34	R$ 233,539.88	R$ 1,219.30	R$ 1,878.07	3097.3768745326
																35	R$ 207,000.00	R$ 1,800.00	R$ 1,670.40	R$ 3,470.40		35	R$ 232,310.82	R$ 1,229.06	R$ 1,868.32	3097.3768745326
																36	R$ 205,200.00	R$ 1,800.00	R$ 1,656.00	R$ 3,456.00		36	R$ 231,071.93	R$ 1,238.89	R$ 1,858.49	3097.3768745326
																37	R$ 203,400.00	R$ 1,800.00	R$ 1,641.60	R$ 3,441.60		37	R$ 229,823.13	R$ 1,248.80	R$ 1,848.58	3097.3768745326
																38	R$ 201,600.00	R$ 1,800.00	R$ 1,627.20	R$ 3,427.20		38	R$ 228,564.34	R$ 1,258.79	R$ 1,838.59	3097.3768745326
																39	R$ 199,800.00	R$ 1,800.00	R$ 1,612.80	R$ 3,412.80		39	R$ 227,295.47