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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$ 227,295.47R$ 1,268.86 R$ 1,828.51 3097.3768745326 40 R$ 198,000.00 R$ 1,800.00 R$ 1,598.40 R$ 3,398.40 40 R$ 226,016.46 R$ 1,279.01 R$ 1,818.36 3097.3768745326 41 R$ 196,200.00 R$ 1,800.00 R$ 1,584.00 R$ 3,384.00 41 R$ 224,727.22 R$ 1,289.25 R$ 1,808.13 3097.3768745326 42 R$ 194,400.00 R$ 1,800.00 R$ 1,569.60 R$ 3,369.60 42 R$ 223,427.66 R$ 1,299.56 R$ 1,797.82 3097.3768745326 43 R$ 192,600.00 R$ 1,800.00 R$ 1,555.20 R$ 3,355.20 43 R$ 222,117.70 R$ 1,309.96 R$ 1,787.42 3097.3768745326 44 R$ 190,800.00 R$ 1,800.00 R$ 1,540.80 R$ 3,340.80 44 R$ 220,797.27 R$ 1,320.44 R$ 1,776.94 3097.3768745326 45 R$ 189,000.00 R$ 1,800.00 R$ 1,526.40 R$ 3,326.40 45 R$ 219,466.27 R$ 1,331.00 R$ 1,766.38 3097.3768745326 46 R$ 187,200.00 R$ 1,800.00 R$ 1,512.00 R$ 3,312.00 46 R$ 218,124.62 R$ 1,341.65 R$ 1,755.73 3097.3768745326 47 R$ 185,400.00 R$ 1,800.00 R$ 1,497.60 R$ 3,297.60 47 R$ 216,772.24 R$ 1,352.38 R$ 1,745.00 3097.3768745326 48 R$ 183,600.00 R$ 1,800.00 R$ 1,483.20 R$ 3,283.20 48 R$ 215,409.04 R$ 1,363.20 R$ 1,734.18 3097.3768745326 49 R$ 181,800.00 R$ 1,800.00 R$ 1,468.80 R$ 3,268.80 49 R$ 214,034.94 R$ 1,374.10 R$ 1,723.27 3097.3768745326 50 R$ 180,000.00 R$ 1,800.00 R$ 1,454.40 R$ 3,254.40 50 R$ 212,649.84 R$ 1,385.10 R$ 1,712.28 3097.3768745326 51 R$ 178,200.00 R$ 1,800.00 R$ 1,440.00 R$ 3,240.00 51 R$ 211,253.66 R$ 1,396.18 R$ 1,701.20 3097.3768745326 52 R$ 176,400.00 R$ 1,800.00 R$ 1,425.60 R$ 3,225.60 52 R$ 209,846.31 R$ 1,407.35 R$ 1,690.03 3097.3768745326 53 R$ 174,600.00 R$ 1,800.00 R$ 1,411.20 R$ 3,211.20 53 R$ 208,427.71 R$ 1,418.61 R$ 1,678.77 3097.3768745326 54 R$ 172,800.00 R$ 1,800.00 R$ 1,396.80 R$ 3,196.80 54 R$ 206,997.75 R$ 1,429.96 R$ 1,667.42 3097.3768745326 55 R$ 171,000.00 R$ 1,800.00 R$ 1,382.40 R$ 3,182.40 55 R$ 205,556.36 R$ 1,441.39 R$ 1,655.98 3097.3768745326 56 R$ 169,200.00 R$ 1,800.00 R$ 1,368.00 R$ 3,168.00 56 R$ 204,103.43 R$ 1,452.93 R$ 1,644.45 3097.3768745326 57 R$ 167,400.00 R$ 1,800.00 R$ 1,353.60 R$ 3,153.60 57 R$ 202,638.88 R$ 1,464.55 R$ 1,632.83 3097.3768745326 58 R$ 165,600.00 R$ 1,800.00 R$ 1,339.20 R$ 3,139.20 58 R$ 201,162.62 R$ 1,476.27 R$ 1,621.11 3097.3768745326 59 R$ 163,800.00 R$ 1,800.00 R$ 1,324.80 R$ 3,124.80 59 R$ 199,674.54 R$ 1,488.08 R$ 1,609.30 3097.3768745326 60 R$ 162,000.00 R$ 1,800.00 R$ 1,310.40 R$ 3,110.40 60 R$ 198,174.56 R$ 1,499.98 R$ 1,597.40 3097.3768745326 61 R$ 160,200.00 R$ 1,800.00 R$ 1,296.00 R$ 3,096.00 61 R$ 196,662.58 R$ 1,511.98 R$ 1,585.40 3097.3768745326 62 R$ 158,400.00 R$ 1,800.00 R$ 1,281.60 R$ 3,081.60 62 R$ 195,138.50 R$ 1,524.08 R$ 1,573.30 3097.3768745326 63 R$ 156,600.00 R$ 1,800.00 R$ 1,267.20 R$ 3,067.20 63 R$ 193,602.23 R$ 1,536.27 R$ 1,561.11 3097.3768745326 64 R$ 154,800.00 R$ 1,800.00 R$ 1,252.80 R$ 3,052.80 64 R$ 192,053.67 R$ 1,548.56 R$ 1,548.82 3097.3768745326 65 R$ 153,000.00 R$ 1,800.00 R$ 1,238.40 R$ 3,038.40 65 R$ 190,492.73 R$ 1,560.95 R$ 1,536.43 3097.3768745326 66 R$ 151,200.00 R$ 1,800.00 R$ 1,224.00 R$ 3,024.00 66 R$ 188,919.29 R$ 1,573.44 R$ 1,523.94 3097.3768745326 67 R$ 149,400.00 R$ 1,800.00 R$ 1,209.60 R$ 3,009.60 67 R$ 187,333.27 R$ 1,586.02 R$ 1,511.35 3097.3768745326 68 R$ 147,600.00 R$ 1,800.00 R$ 1,195.20 R$ 2,995.20 68 R$ 185,734.56 R$ 1,598.71 R$ 1,498.67 3097.3768745326 69 R$ 145,800.00 R$ 1,800.00 R$ 1,180.80 R$ 2,980.80 69 R$ 184,123.06 R$ 1,611.50 R$ 1,485.88 3097.3768745326 70 R$ 144,000.00 R$ 1,800.00 R$ 1,166.40 R$ 2,966.40 70 R$ 182,498.67 R$ 1,624.39 R$ 1,472.98 3097.3768745326 71 R$ 142,200.00 R$ 1,800.00 R$ 1,152.00 R$ 2,952.00 71 R$ 180,861.28 R$ 1,637.39 R$ 1,459.99 3097.3768745326 72 R$ 140,400.00 R$ 1,800.00 R$ 1,137.60 R$ 2,937.60 72 R$ 179,210.79 R$ 1,650.49 R$ 1,446.89 3097.3768745326 73 R$ 138,600.00 R$ 1,800.00 R$ 1,123.20 R$ 2,923.20 73 R$ 177,547.10 R$ 1,663.69 R$ 1,433.69 3097.3768745326 74 R$ 136,800.00 R$ 1,800.00 R$ 1,108.80 R$ 2,908.80 74 R$ 175,870.10 R$ 1,677.00 R$ 1,420.38 3097.3768745326 75 R$ 135,000.00 R$ 1,800.00 R$ 1,094.40 R$ 2,894.40 75 R$ 174,179.69 R$ 1,690.42 R$ 1,406.96 3097.3768745326 76 R$ 133,200.00 R$ 1,800.00 R$ 1,080.00 R$ 2,880.00 76 R$ 172,475.75 R$ 1,703.94 R$ 1,393.44 3097.3768745326 77 R$ 131,400.00 R$ 1,800.00 R$ 1,065.60 R$ 2,865.60 77 R$ 170,758.17 R$ 1,717.57 R$ 1,379.81 3097.3768745326 78 R$ 129,600.00 R$ 1,800.00 R$ 1,051.20 R$ 2,851.20 78 R$ 169,026.86 R$ 1,731.31 R$ 1,366.07 3097.3768745326 79 R$ 127,800.00 R$ 1,800.00 R$ 1,036.80 R$ 2,836.80 79 R$ 167,281.70 R$ 1,745.16 R$ 1,352.21 3097.3768745326 80 R$ 126,000.00 R$ 1,800.00 R$ 1,022.40 R$ 2,822.40 80 R$ 165,522.58 R$ 1,759.12 R$ 1,338.25 3097.3768745326 81 R$ 124,200.00 R$ 1,800.00 R$ 1,008.00 R$ 2,808.00 81 R$ 163,749.38 R$ 1,773.20 R$ 1,324.18 3097.3768745326 82 R$ 122,400.00 R$ 1,800.00 R$ 993.60 R$ 2,793.60 82 R$ 161,962.00 R$ 1,787.38 R$ 1,310.00 3097.3768745326 83 R$ 120,600.00 R$ 1,800.00 R$ 979.20 R$ 2,779.20 83 R$ 160,160.32 R$ 1,801.68 R$ 1,295.70 3097.3768745326 84 R$ 118,800.00 R$ 1,800.00 R$ 964.80 R$ 2,764.80 84 R$ 158,344.22 R$ 1,816.09 R$ 1,281.28 3097.3768745326 85 R$ 117,000.00 R$ 1,800.00 R$ 950.40 R$ 2,750.40 85 R$ 156,513.60 R$ 1,830.62 R$ 1,266.75 3097.3768745326 86 R$ 115,200.00 R$ 1,800.00 R$ 936.00 R$ 2,736.00 86 R$ 154,668.33 R$ 1,845.27 R$ 1,252.11 3097.3768745326 87 R$ 113,400.00 R$ 1,800.00 R$ 921.60 R$ 2,721.60 87 R$ 152,808.30 R$ 1,860.03 R$ 1,237.35 3097.3768745326 88 R$ 111,600.00 R$ 1,800.00 R$ 907.20 R$ 2,707.20 88 R$ 150,933.39 R$ 1,874.91 R$ 1,222.47 3097.3768745326 89 R$ 109,800.00 R$ 1,800.00 R$ 892.80 R$ 2,692.80 89 R$ 149,043.48 R$ 1,889.91 R$ 1,207.47 3097.3768745326 90 R$ 108,000.00 R$ 1,800.00 R$ 878.40 R$ 2,678.40 90 R$ 147,138.45 R$ 1,905.03 R$ 1,192.35 3097.3768745326 91 R$ 106,200.00 R$ 1,800.00 R$ 864.00 R$ 2,664.00 91 R$ 145,218.19 R$ 1,920.27 R$ 1,177.11 3097.3768745326 92 R$ 104,400.00 R$ 1,800.00 R$ 849.60 R$ 2,649.60 92 R$ 143,282.55 R$ 1,935.63 R$ 1,161.75 3097.3768745326 93 R$ 102,600.00 R$ 1,800.00 R$ 835.20 R$ 2,635.20 93 R$ 141,331.44 R$ 1,951.12 R$ 1,146.26 3097.3768745326 94 R$ 100,800.00R$ 1,800.00 R$ 820.80 R$ 2,620.80 94 R$ 139,364.71 R$ 1,966.73 R$ 1,130.65 3097.3768745326 95 R$ 99,000.00 R$ 1,800.00 R$ 806.40 R$ 2,606.40 95 R$ 137,382.25 R$ 1,982.46 R$ 1,114.92 3097.3768745326 96 R$ 97,200.00 R$ 1,800.00 R$ 792.00 R$ 2,592.00 96 R$ 135,383.93 R$ 1,998.32 R$ 1,099.06 3097.3768745326 97 R$ 95,400.00 R$ 1,800.00 R$ 777.60 R$ 2,577.60 97 R$ 133,369.63 R$ 2,014.31 R$ 1,083.07 3097.3768745326 98 R$ 93,600.00 R$ 1,800.00 R$ 763.20 R$ 2,563.20 98 R$ 131,339.21 R$ 2,030.42 R$ 1,066.96 3097.3768745326 99 R$ 91,800.00 R$ 1,800.00 R$ 748.80 R$ 2,548.80 99 R$ 129,292.55 R$ 2,046.66 R$ 1,050.71 3097.3768745326 100 R$ 90,000.00 R$ 1,800.00 R$ 734.40 R$ 2,534.40 100 R$ 127,229.51 R$ 2,063.04 R$ 1,034.34 3097.3768745326 101 R$ 88,200.00 R$ 1,800.00 R$ 720.00 R$ 2,520.00 101 R$ 125,149.97 R$ 2,079.54 R$ 1,017.84 3097.3768745326 102 R$ 86,400.00 R$ 1,800.00 R$ 705.60 R$ 2,505.60 102 R$ 123,053.79 R$ 2,096.18 R$ 1,001.20 3097.3768745326 103 R$ 84,600.00 R$ 1,800.00 R$ 691.20 R$ 2,491.20 103 R$ 120,940.84 R$ 2,112.95 R$ 984.43 3097.3768745326 104 R$ 82,800.00 R$ 1,800.00 R$ 676.80 R$ 2,476.80 104 R$ 118,810.99 R$ 2,129.85 R$ 967.53 3097.3768745326 105 R$ 81,000.00 R$ 1,800.00 R$ 662.40 R$ 2,462.40 105 R$ 116,664.11 R$ 2,146.89 R$ 950.49 3097.3768745326 106 R$ 79,200.00 R$ 1,800.00 R$ 648.00 R$ 2,448.00 106 R$ 114,500.04 R$ 2,164.06 R$ 933.31 3097.3768745326 107 R$ 77,400.00 R$ 1,800.00 R$ 633.60 R$ 2,433.60 107 R$ 112,318.66 R$ 2,181.38 R$ 916.00 3097.3768745326 108 R$ 75,600.00 R$ 1,800.00 R$ 619.20 R$ 2,419.20 108 R$ 110,119.84 R$ 2,198.83 R$ 898.55 3097.3768745326 109 R$ 73,800.00 R$ 1,800.00 R$ 604.80 R$ 2,404.80 109 R$ 107,903.42 R$ 2,216.42 R$ 880.96 3097.3768745326 110 R$ 72,000.00 R$ 1,800.00 R$ 590.40 R$ 2,390.40 110 R$ 105,669.27 R$ 2,234.15 R$ 863.23 3097.3768745326 111 R$ 70,200.00 R$ 1,800.00 R$ 576.00 R$ 2,376.00 111 R$ 103,417.25 R$ 2,252.02 R$ 845.35 3097.3768745326 112 R$ 68,400.00 R$ 1,800.00 R$ 561.60 R$ 2,361.60 112 R$ 101,147.21 R$ 2,270.04 R$ 827.34 3097.3768745326 113 R$ 66,600.00 R$ 1,800.00 R$ 547.20 R$ 2,347.20 113 R$ 98,859.01 R$ 2,288.20 R$ 809.18 3097.3768745326 114 R$ 64,800.00 R$ 1,800.00 R$ 532.80 R$ 2,332.80 114 R$ 96,552.50 R$ 2,306.50 R$ 790.87 3097.3768745326 115 R$ 63,000.00 R$ 1,800.00 R$ 518.40 R$ 2,318.40 115 R$ 94,227.55 R$ 2,324.96 R$ 772.42 3097.3768745326 116 R$ 61,200.00 R$ 1,800.00 R$ 504.00 R$ 2,304.00 116 R$ 91,883.99 R$ 2,343.56 R$ 753.82 3097.3768745326 117 R$ 59,400.00 R$ 1,800.00 R$ 489.60 R$ 2,289.60 117 R$ 89,521.69 R$ 2,362.30 R$ 735.07 3097.3768745326 118 R$ 57,600.00 R$ 1,800.00 R$ 475.20 R$ 2,275.20 118 R$ 87,140.48 R$ 2,381.20 R$ 716.17 3097.3768745326 119 R$ 55,800.00 R$ 1,800.00 R$ 460.80 R$ 2,260.80 119 R$ 84,740.23 R$ 2,400.25 R$ 697.12 3097.3768745326 120 R$ 54,000.00 R$ 1,800.00 R$ 446.40 R$ 2,246.40 120 R$ 82,320.77 R$ 2,419.46 R$ 677.92 3097.3768745326 121 R$ 52,200.00 R$ 1,800.00 R$ 432.00 R$ 2,232.00 121 R$ 79,881.96 R$ 2,438.81 R$ 658.57 3097.3768745326 122 R$ 50,400.00 R$ 1,800.00 R$ 417.60 R$ 2,217.60 122 R$ 77,423.64 R$ 2,458.32 R$ 639.06 3097.3768745326 123 R$ 48,600.00 R$ 1,800.00 R$ 403.20 R$ 2,203.20 123 R$ 74,945.65 R$ 2,477.99 R$ 619.39 3097.3768745326 124 R$ 46,800.00 R$ 1,800.00 R$ 388.80 R$ 2,188.80 124 R$ 72,447.84 R$ 2,497.81 R$ 599.57 3097.3768745326 125 R$ 45,000.00 R$ 1,800.00 R$ 374.40 R$ 2,174.40 125 R$ 69,930.05 R$ 2,517.79 R$ 579.58 3097.3768745326 126 R$ 43,200.00 R$ 1,800.00 R$ 360.00 R$ 2,160.00 126 R$ 67,392.11 R$ 2,537.94 R$ 559.44 3097.3768745326 127 R$ 41,400.00 R$ 1,800.00 R$ 345.60 R$ 2,145.60 127 R$ 64,833.87 R$ 2,558.24 R$ 539.14 3097.3768745326 128 R$ 39,600.00 R$ 1,800.00 R$ 331.20 R$ 2,131.20 128 R$ 62,255.17 R$ 2,578.71 R$ 518.67 3097.3768745326 129 R$ 37,800.00 R$ 1,800.00 R$ 316.80 R$ 2,116.80 129 R$ 59,655.83 R$ 2,599.34 R$ 498.04 3097.3768745326 130 R$ 36,000.00 R$ 1,800.00 R$ 302.40 R$ 2,102.40 130 R$ 57,035.70 R$ 2,620.13 R$ 477.25 3097.3768745326 131 R$ 34,200.00 R$ 1,800.00 R$ 288.00 R$ 2,088.00 131 R$ 54,394.61 R$ 2,641.09 R$ 456.29 3097.3768745326 132 R$ 32,400.00 R$ 1,800.00 R$ 273.60 R$ 2,073.60 132 R$ 51,732.39 R$ 2,662.22 R$ 435.16 3097.3768745326 133 R$ 30,600.00 R$ 1,800.00 R$ 259.20 R$ 2,059.20 133 R$ 49,048.87 R$ 2,683.52 R$ 413.86 3097.3768745326 134 R$ 28,800.00 R$ 1,800.00 R$ 244.80 R$ 2,044.80 134 R$ 46,343.89 R$ 2,704.99 R$ 392.39 3097.3768745326 135 R$ 27,000.00 R$ 1,800.00 R$ 230.40 R$ 2,030.40 135 R$ 43,617.26 R$ 2,726.63 R$ 370.75 3097.3768745326 136 R$ 25,200.00 R$ 1,800.00 R$ 216.00 R$ 2,016.00 136 R$ 40,868.82 R$ 2,748.44 R$ 348.94 3097.3768745326 137 R$ 23,400.00 R$ 1,800.00 R$ 201.60 R$ 2,001.60 137 R$ 38,098.40 R$ 2,770.43 R$ 326.95 3097.3768745326 138 R$ 21,600.00 R$ 1,800.00 R$ 187.20 R$ 1,987.20 138 R$ 35,305.81 R$ 2,792.59 R$ 304.79 3097.3768745326 139 R$ 19,800.00 R$ 1,800.00 R$ 172.80 R$ 1,972.80 139 R$ 32,490.87 R$ 2,814.93 R$ 282.45 3097.3768745326 140 R$ 18,000.00 R$ 1,800.00 R$ 158.40 R$ 1,958.40 140 R$ 29,653.42 R$ 2,837.45 R$ 259.93 3097.3768745326 141 R$ 16,200.00 R$ 1,800.00 R$ 144.00 R$ 1,944.00 141 R$ 26,793.28 R$ 2,860.15 R$ 237.23 3097.3768745326 142 R$ 14,400.00 R$ 1,800.00 R$ 129.60 R$ 1,929.60 142 R$ 23,910.24 R$ 2,883.03 R$ 214.35 3097.3768745326 143 R$ 12,600.00 R$ 1,800.00 R$ 115.20 R$ 1,915.20 143 R$ 21,004.15 R$ 2,906.09 R$ 191.28 3097.3768745326 144 R$ 10,800.00 R$ 1,800.00 R$ 100.80 R$ 1,900.80 144 R$ 18,074.81 R$ 2,929.34 R$ 168.03 3097.3768745326 145 R$ 9,000.00 R$ 1,800.00 R$ 86.40 R$ 1,886.40 145 R$ 15,122.03 R$ 2,952.78 R$ 144.60 3097.3768745326 146 R$ 7,200.00 R$ 1,800.00 R$ 72.00 R$ 1,872.00 146 R$ 12,145.63 R$ 2,976.40 R$ 120.98 3097.3768745326 147 R$ 5,400.00 R$ 1,800.00 R$ 57.60 R$ 1,857.60 147 R$ 9,145.42 R$ 3,000.21 R$ 97.17 3097.3768745326 148 R$ 3,600.00 R$ 1,800.00 R$ 43.20 R$ 1,843.20 148 R$ 6,121.20 R$ 3,024.21 R$ 73.16 3097.3768745326 149 R$ 1,800.00 R$ 1,800.00 R$ 28.80 R$ 1,828.80 149 R$ 3,072.79 R$ 3,048.41 R$ 48.97 3097.3768745326150 R$ - 0 R$ 1,800.00 R$ 14.40 R$ 1,814.40 150 R$ 0.00 R$ 3,072.79 R$ 24.58 3097.3768745326 R$ 163,080.00 R$ 194,606.53 PRICE R$ 70,000 i=24% a.a n= 5 meses 70000=pmt*[(1,02)^5-1/(1,02)^5*0,02] R$ 300,000 n= 6 mês i=18 %a.a 1º parcela 3 meses depois = postecipada R$ 80,000.00 n=8 meses i=12% a.a pmt=x 80.000=pmt*[((1,01)^8-1)/((1,01^8)*0,01 1.1040808032 0.1040808032 taxa equivalente i=[(1+i)^n-1].100/[(1+i)^n-1].100 0.1264925866 TABELA PRICE 0.0828567056 0.0108285671 TABELA PRICE 1.1040808032 0.0220816161 i=[(1,18)^6-1].100/[(1,18)^6 PRESTAÇÃO: saldo devedor amortização juros prestação 7.6516777518 saldo devedor amortização juros prestação TABELA PRICE PV=PMT*[(1+i)^n-1/(1+i)^n*i] 0 80,000 10455.2233634652 0 70,000 4.7134595085 saldo devedor amortização juros prestação 1.0101643215 1.0101643215 1 70344.78 9655.22 800.00 R$ 10,455.22 1 56548.91 13451.09 1400.00 R$ 14,851.09 14851.0875873026 0 300,000 0.0101643215 0.001277783 2 60593.00 9751.78 703.45 R$ 10,455.22 2 42828.80 13720.11 1130.98 R$ 14,851.09 1 304500 0.1257125702 3 50743.71 9849.29 605.93 R$ 10,455.22 3 28834.29 13994.51 856.58 R$ 14,851.09 2 309067.50 R$ 2,386,396.20 4 40795.92 9947.79 507.44 R$ 10,455.22 4 14559.89 14274.40 576.69 R$ 14,851.09 3 259454.37 49613.13 4636.01 54249.14 5 30748.66 10047.26 407.96 R$ 10,455.22 5 0.00 14559.89 291.20 R$ 14,851.09 4 209097.05 50357.32 3891.82 54249.14 R$ 309,067.50 6 20600.92 10147.74 307.49 R$ 10,455.22 total 70000.00 4255.44 R$ 74,255.44 5 157984.36 51112.68 3136.46 54249.14 R$ 67.00 7 10351.71 10249.21 206.01 R$ 10,455.22 6 106104.99 51879.37 2369.77 54249.14 8 0.00 10351.71 103.52 R$ 10,455.22 Não entendi 7 53447.42 52657.57 1591.57 54249.14 total 80000.00 3641.79 R$ 83,641.79 8 -0.00 53447.43 801.71 54249.14 r$5.000 n=3 meses i= 2% a.m U$20000 n= 36 meses postecipada i=1%a.m TABELA PRICE 1.061208 0.061208 TABELA PRICE saldo devedor amortização juros prestação 0.02122416 R$ 4,000 n= 5 meses sem entrada, antecipada i= 18%a.a r$100.000 n=10 meses postecipada i=120%a.a saldo devedor amortização juros prestação TABELA PRICE 1.4307687836 0.4307687836 0 5,000 2.8838832726 TABELA PRICE PV=PMT*(1+i)*(1+i)^n-1/i TABELA PRICE 0 10,000 0.21899442 saldo devedor amortização juros prestação 1.4307687836 0.0143076878 1 3366.23 1633.77 100.00 R$ 1,733.77 1733.7733629591 saldo devedor amortização juros prestação saldo devedor amortização juros prestação i=120/12 1 9086.73 913.27 200.00 R$ 1,113.27 0.0243798884 0 20,000 30.1075050373 2 1699.78 1666.45 67.32 R$ 1,733.77 0 4,000 não consigo achar este valor 0 100,000 10 %a.m 2 8155.20 931.53 181.73 R$ 1,113.27 8.9825850062 1 19535.71 464.29 200.00 R$ 664.29 664.286196257 3 -0.00 1699.78 34.00 R$ 1,733.77 1 R$ 3,223.64 R$ 776.36 R$ 60.00 R$ 836.36 1 93725.46 6274.54 10000.00 R$ 16,274.54 3 7205.04 950.16 163.10 R$ 1,113.27 1113.2652786532 2 19066.78 468.93 195.36 R$ 664.29 total 2 R$ 2,435.63 R$ 788.01 R$ 48.35 R$ 836.36 2 86823.47 6901.99 9372.55 R$ 16,274.54 1.5937424601 4 6235.88 969.16 144.10 R$ 1,113.27 3 18593.17 473.62 190.67 R$ 664.29 PV=PMT*[(1+i)^n-1/(1+i)^n*i] 3 R$ 1,635.81 R$ 799.83 R$ 36.53 R$ 836.36 3 79231.27 7592.19 8682.35 R$ 16,274.54 0.259374246 5 5247.33 988.55 124.72 R$ 1,113.27 total de juros pago até a 3ªp 544.84 4 18114.81 478.35 185.93 R$ 664.29 4 R$ 823.99 R$ 811.82 R$ 24.54 R$ 836.36 4 70879.86 8351.41 7923.13 R$ 16,274.54 6.1445671057 6 4239.01 1008.32 104.95 R$ 1,113.27 total de amortização pago até a 3ªp 2794.96 5 17631.67 483.14 181.15 R$ 664.29 20000=PMT*[(1+0,01)^36-1/(1+0,01)^36*0,01] 5 -R$ 0.01 R$ 824.00 R$ 12.36 R$ 836.36 5 61693.31 9186.55 7087.99 R$ 16,274.54 16274.5394882512 7 3210.53 1028.49 84.78 R$ 1,113.27 saldo devedor pago ate a 3ª parcela 7205.04 6 17143.70 487.97 176.32 R$ 664.29 1.4307687836 1.4307687836 total 6 51588.10 10105.21 6169.33 R$ 16,274.54 8 2161.47 1049.05 64.21 R$ 1,113.27 7 16650.86 492.85 171.44 R$ 664.29 0.4307687836 0.0143076878 7 40472.37 11115.73 5158.81 R$ 16,274.54 9 1091.44 1070.04 43.23 R$ 1,113.27 8 16153.08 497.78 166.51 R$ 664.29 30.1075050373 8 28245.07 12227.30 4047.24 R$ 16,274.54 10 -0.00 1091.44 21.83 R$ 1,113.27 9 15650.32 502.76 161.53 R$ 664.29 664.286196257 9 14795.04 13450.03 2824.51 R$ 16,274.54 10 15142.54 507.78 156.50 R$ 664.29 10 0.00 14795.04 1479.50 R$ 16,274.54 11 14629.68 512.86 151.43 R$ 664.29 12 14111.69 517.99 146.30 R$ 664.29 r$400.000 n= 48 meses i= 6%a.m 13 13588.52 523.17 141.12 R$ 664.29 14 13060.12 528.40 135.89 R$ 664.29 TABELA PRICE 15 12526.43 533.69 130.60 R$ 664.29 saldo devedor amortização juros prestação 16 11987.41 539.02 125.26 R$ 664.29 0 400,000 saldo devedor amortização juros prestação 1 0.0828567056 17 11443.00 544.41 119.87 R$ 664.29 1 R$ 424,000.00 -R$ 24,000.00 R$ 24,000.00 R$ - 0 0 80,000 0.0108285671 18 10893.14 549.86 114.43 R$ 664.29 2 R$ 449,440.00 -R$ 25,440.00 R$ 25,440.00 R$ - 0 Juros contidas em 12 prestações conse, a partir de 30ª 1 R$ 70,344.78 R$ 9,655.22 R$ 800.00 R$ 10,455.22336 7.6516777518 19 10337.79 555.35 108.93 R$ 664.29 3 R$ 476,406.40 -R$ 26,966.40 R$ 26,966.40 R$ - 0 amortização contidas em 12 prestações conse, a partir de 30ª R$ 100,000 n=24 meses i= 6%a.m 3.0489346413 2 R$ 60,593.00 R$ 9,751.78 R$ 703.45 R$ 10,455.22336 10455.2233634652 20 9776.88 560.91 103.38 R$ 664.29 4 R$ 504,990.78 -R$ 28,584.38 R$ 28,584.38 R$ - 0 TABELA PRICE 0.2429360785 3 R$ 50,743.71 R$ 9,849.29 R$ 605.93 R$ 10,455.22336 21 9210.36 566.52 97.77 R$ 664.29 5 R$ 535,290.23 -R$ 30,299.45 R$ 30,299.45 R$ - 0 saldo devedor amortização juros prestação 12.5503575278 4 R$ 40,795.92 R$ 9,947.79 R$ 507.44 R$ 10,455.22336 22 8638.18 572.18 92.10 R$ 664.29 6 R$ 567,407.64 -R$ 32,117.41 R$ 32,117.41 R$ - 0 não consegui 0 100,000 7967.9004983543 5 R$ 30,748.66 R$ 10,047.26 R$ 407.96 R$ 10,455.22336 23 8060.28 577.90 86.38 R$ 664.29 7 R$ 601,452.10 -R$ 34,044.46 R$ 34,044.46 R$ - 0 1 R$ 98,032.10 R$ 1,967.90 R$ 6,000.00 R$ 7,967.90050 6 R$ 20,600.92 R$ 10,147.74 R$ 307.49 R$ 10,455.22336 24 7476.59 583.68 80.60 R$ 664.29 8 R$ 637,539.23 -R$ 36,087.13 R$ 36,087.13 R$ - 0 2 R$ 95,946.12 R$ 2,085.97 R$ 5,881.93 R$ 7,967.90050 a) R$ 74,061.51 ok 7 R$ 10,351.71 R$ 10,249.21 R$ 206.01 R$ 10,455.22336 25 6887.07 589.52 74.77 R$ 664.29 9 R$ 675,791.58 -R$ 38,252.35 R$ 38,252.35 R$ - 0 3 R$ 93,734.99 R$ 2,211.13 R$ 5,756.77 R$ 7,967.90050 b) R$ 4,197.39 ok r$20.000 n=10 mesesi= 4%a.m 0.4802442849 8 R$ 0.00 R$ 10,351.71 R$ 103.52 R$ 10,455.22336 26 6291.66 595.42 68.87 R$ 664.29 10 R$ 716,339.08 -R$ 40,547.50 R$ 40,547.50 R$ - 0 4 R$ 91,391.19 R$ 2,343.80 R$ 5,624.10 R$ 7,967.90050 c) R$ 2,668.79 ok saldo devedor amortização juros prestação 0.0592097714 27 5690.29 601.37 62.92 R$ 664.29 11 R$ 759,319.42 -R$ 42,980.34 R$ 42,980.34 R$ - 0 5 R$ 88,906.76 R$ 2,484.43 R$ 5,483.47 R$ 7,967.90050 d) R$ 73,713.71 ok 0 20,000 8.1108957794 28 5082.90 607.38 56.90 R$ 664.29 12 R$ 804,878.59 -R$ 45,559.17 R$ 45,559.17 R$ - 0 6 R$ 86,273.27 R$ 2,633.49 R$ 5,334.41 R$ 7,967.90050 e) R$ 45,804.79 ok 1 R$ 18,334.18 R$ 1,665.82 R$ 800.00 R$ 2,465.81889 2465.8188866027 29 4469.45 613.46 50.83 R$ 664.29 13 R$ 853,171.30 -R$ 48,292.72 R$ 48,292.72 R$ - 0 7 R$ 83,481.76 R$ 2,791.50 R$ 5,176.40 R$ 7,967.90050 f) R$ 15,519.71 ok 2 R$ 16,601.73 R$ 1,732.45 R$ 733.37 R$ 2,465.81889 30 3849.86 619.59 44.69 R$ 664.29 14 R$ 904,361.58 -R$ 51,190.28 R$ 51,190.28 R$ - 0 8 R$ 80,522.77 R$ 2,958.99 R$ 5,008.91 R$ 7,967.90050 3 R$ 14,799.98 R$ 1,801.75 R$ 664.07 R$ 2,465.81889 a) 31 3224.07 625.79 38.50 R$ 664.29 15 R$ 958,623.28 -R$ 54,261.69 R$ 54,261.69 R$ - 0 9 R$ 77,386.23 R$ 3,136.53 R$ 4,831.37 R$ 7,967.90050 4 R$ 12,926.16 R$ 1,873.82 R$ 592.00 R$ 2,465.81889 b) saldo devedor amortização juros prestação 0.1040808032 32 2592.02 632.05 32.24 R$ 664.29 16 R$ 1,016,140.67 -R$ 57,517.40 R$ 57,517.40 R$ - 0 10 R$ 74,061.51 R$ 3,324.73 R$ 4,643.17 R$ 7,967.90050 5 R$ 10,977.39 R$ 1,948.77 R$ 517.05 R$ 2,465.81889 c) 0 70,000 0.0220816161 33 1953.66 638.37 25.92 R$ 664.29 17 R$ 1,077,109.11 -R$ 60,968.44 R$ 60,968.44 R$ - 0 11 R$ 70,537.30 R$ 3,524.21 R$ 4,443.69 R$ 7,967.90050 6 R$ 8,950.66 R$ 2,026.72 R$ 439.10 R$ 2,465.81889 d) 1 R$ 56,548.91 R$ 13,451.09 R$ 1,400.00 R$ 14,851.08759 4.7134595085 34 1308.91 644.75 19.54 R$ 664.29 18 R$ 1,141,735.66 -R$ 64,626.55 R$ 64,626.55 R$ - 0 12 R$ 66,801.63 R$ 3,735.66 R$ 4,232.24 R$ 7,967.90050 7 R$ 6,842.87 R$ 2,107.79 R$ 358.03 R$ 2,465.81889 e) 2 R$ 42,828.80 R$ 13,720.11 R$ 1,130.98 R$ 14,851.08759 14851.0875873026 35 657.71 651.20 13.09 R$ 664.29 19 R$ 1,210,239.80 -R$ 68,504.14 R$ 68,504.14 R$ - 0 13 R$ 62,841.83 R$ 3,959.80 R$ 4,008.10 R$ 7,967.90050 8 R$ 4,650.77 R$ 2,192.10 R$ 273.71 R$ 2,465.81889 f) 3 R$ 28,834.29 R$ 13,994.51 R$ 856.58 R$ 14,851.08759 36 0.00 657.71 6.58 R$ 664.29 20 R$ 1,282,854.19 -R$ 72,614.39 R$ 72,614.39 R$ - 0 14 R$ 58,644.44 R$ 4,197.39 R$ 3,770.51 R$ 7,967.90050 9 R$ 2,370.98 R$ 2,279.79 R$ 186.03 R$ 2,465.81889 g) 4 R$ 14,559.89 R$ 14,274.40 R$ 576.69 R$ 14,851.08759 21 R$ 1,359,825.44 -R$ 76,971.25 R$ 76,971.25 R$ - 0 15 R$ 54,195.21 R$ 4,449.23 R$ 3,518.67 R$ 7,967.90050 10 R$ 0.00 R$ 2,370.98 R$ 94.84 R$ 2,465.81889 5 R$ - 0 R$ 14,559.89 R$ 291.20 R$ 14,851.08759 22 R$ 1,441,414.97 -R$ 81,589.53 R$ 81,589.53 R$ - 0 16 R$ 49,479.02 R$ 4,716.19 R$ 3,251.71 R$ 7,967.90050 23 R$ 1,527,899.86 -R$ 86,484.90 R$ 86,484.90 R$ - 0 17 R$ 44,479.86 R$ 4,999.16 R$ 2,968.74 R$ 7,967.90050 NÃO ENTENDI 24 R$ 1,619,573.86 -R$ 91,673.99 R$ 91,673.99 R$ - 0 18 R$ 39,180.75 R$ 5,299.11 R$ 2,668.79 R$ 7,967.90050 25 R$ 1,716,748.29 -R$ 97,174.43 R$ 97,174.43 R$ - 0 19 R$ 33,563.70 R$ 5,617.06 R$ 2,350.85 R$ 7,967.90050 26 R$ 1,819,753.19 -R$ 103,004.90 R$ 103,004.90 R$ - 0 20 R$ 27,609.62 R$ 5,954.08 R$ 2,013.82 R$ 7,967.90050 27 R$ 1,928,938.38 -R$ 109,185.19 R$ 109,185.19 R$ - 0 21 R$ 21,298.29 R$ 6,311.32 R$ 1,656.58 R$ 7,967.90050 28 R$ 2,044,674.68 -R$ 115,736.30 R$ 115,736.30 R$ - 0 22 R$ 14,608.29 R$ 6,690.00 R$ 1,277.90 R$ 7,967.90050 u$20.000 N=36 MESES postecipada i= 1,0%a.m 0.4307687836 29 R$ 2,167,355.16 -R$ 122,680.48 R$ 122,680.48 R$ - 0 23 R$ 7,516.89 R$ 7,091.40 R$ 876.50 R$ 7,967.90050 0.0143076878 30 R$ 2,297,396.47 -R$ 130,041.31 R$ 130,041.31 R$ - 0 24 R$ 0.00 R$ 7,516.89 R$ 451.01 R$ 7,967.90050 saldo devedor amortização juros prestação 30.1075050373 31 R$ 2,435,240.26 -R$ 137,843.79 R$ 137,843.79 R$ - 0 R$ 300,000 n=6 meses i= 18%a.a 1.5 0.1433899754 0 20,000 664.286196257 32 R$ 2,581,354.67 -R$ 146,114.42 R$ 146,114.42 R$ - 0 0.045735599 1 R$ 19,535.71 R$ 464.29 R$ 200.00 R$ 664.28620 33 R$ 2,736,235.95 -R$ 154,881.28 R$ 154,881.28 R$ - 0 saldo devedor amortização juros prestação 3.135193995 2 R$ 19,066.78 R$ 468.93 R$ 195.36 R$ 664.28620 34 R$ 2,900,410.11 -R$ 164,174.16 R$ 164,174.16 R$ - 0 0 300,000 95687.8587014699 3 R$ 18,593.17 R$ 473.62 R$ 190.67 R$ 664.28620 35 R$ 3,074,434.72 -R$ 174,024.61 R$ 174,024.61 R$ - 0 1 R$ 208,812.14 R$ 91,187.86 R$ 4,500.00 R$ 95,687.85870 4 R$ 18,114.81 R$ 478.35 R$ 185.93 R$ 664.28620 R$ 7,476.59 36 R$ 3,258,900.80 -R$ 184,466.08 R$ 184,466.08 R$ - 0 2 R$ 116,256.46 R$ 92,555.68 R$ 3,132.18 R$ 95,687.85870 9 5 R$ 17,631.67 R$ 483.14 R$ 181.15 R$ 664.28620 37 R$ 3,454,434.85 -R$ 195,534.05 R$ 195,534.05 R$ - 0 3 R$ 22,312.45 R$ 93,944.01 R$ 1,743.85 R$ 95,687.85870 6 R$ 17,143.70 R$ 487.97 R$ 176.32 R$ 664.28620 38 R$ 3,661,700.94 -R$ 207,266.09 R$ 207,266.09 R$ - 0 4 -R$ 73,040.72 R$ 95,353.17 R$ 334.69 R$ 95,687.85870 7 R$ 16,650.86 R$ 492.85 R$ 171.44 R$ 664.28620 39 R$ 3,881,403.00 -R$ 219,702.06 R$ 219,702.06 R$ - 0 5 -R$ 169,824.19 R$ 96,783.47 -R$ 1,095.61 R$ 95,687.85870 8 R$ 16,153.08 R$ 497.78 R$ 166.51 R$ 664.28620 40 R$ 4,114,287.17 -R$ 232,884.18 R$ 232,884.18 R$ - 0 6 -R$ 268,059.41 R$ 98,235.22 -R$ 2,547.36 R$ 95,687.85870 9 R$ 15,650.32 R$ 502.76 R$ 161.53 R$ 664.28620 41 R$ 4,361,144.41 -R$ 246,857.23 R$ 246,857.23 R$ - 0 7 -R$ 367,768.16 R$ 99,708.75 -R$ 4,020.89 R$ 95,687.85870 10 R$ 15,142.54 R$ 507.78 R$ 156.50 R$ 664.28620 42 R$ 4,622,813.07 -R$ 261,668.66 R$ 261,668.66 R$ - 0 8 -R$ 468,972.54 R$ 101,204.38 -R$ 5,516.52 R$ 95,687.85870 11 R$ 14,629.68 R$ 512.86 R$ 151.43 R$ 664.28620 43 R$ 4,900,181.85 -R$ 277,368.78 R$ 277,368.78 R$ - 0 9 -R$ 571,694.99 R$ 102,722.45 -R$ 7,034.59 R$ 95,687.85870 12 R$ 14,111.69 R$ 517.99 R$ 146.30 R$ 664.2862044 R$ 5,194,192.77 -R$ 294,010.91 R$ 294,010.91 R$ - 0 13 R$ 13,588.52 R$ 523.17 R$ 141.12 R$ 664.28620 45 R$ 5,505,844.33 -R$ 311,651.57 R$ 311,651.57 R$ - 0 NÃO ENTENDI 14 R$ 13,060.12 R$ 528.40 R$ 135.89 R$ 664.28620 46 R$ 5,836,194.99 -R$ 330,350.66 R$ 330,350.66 R$ - 0 15 R$ 12,526.43 R$ 533.69 R$ 130.60 R$ 664.28620 47 R$ 6,186,366.69 -R$ 350,171.70 R$ 350,171.70 R$ - 0 16 R$ 11,987.41 R$ 539.02 R$ 125.26 R$ 664.28620 48 R$ 6,557,548.69 -R$ 371,182.00 R$ 371,182.00 R$ - 0 17 R$ 11,443.00 R$ 544.41 R$ 119.87 R$ 664.28620 Total 18 R$ 10,893.14 R$ 549.86 R$ 114.43 R$ 664.28620 19 R$ 10,337.79 R$ 555.35 R$ 108.93 R$ 664.28620 20 R$ 9,776.88 R$ 560.91 R$ 103.38 R$ 664.28620 21 R$ 9,210.36 R$ 566.52 R$ 97.77 R$ 664.28620 22 R$ 8,638.18 R$ 572.18 R$ 92.10 R$ 664.28620 23 R$ 8,060.28 R$ 577.90 R$ 86.38 R$ 664.28620 24 R$ 7,476.59 R$ 583.68 R$ 80.60 R$ 664.28620 25 R$ 6,887.07 R$ 589.52 R$ 74.77 R$ 664.28620 26 R$ 6,291.66 R$ 595.42 R$ 68.87 R$ 664.28620 27 R$ 5,690.29 R$ 601.37 R$ 62.92 R$ 664.28620 28 R$ 5,082.90 R$ 607.38 R$ 56.90 R$ 664.28620 29 R$ 4,469.45 R$ 613.46 R$ 50.83 R$ 664.28620 30 R$ 3,849.86 R$ 619.59 R$ 44.69 R$ 664.28620 31 R$ 3,224.07 R$ 625.79 R$ 38.50 R$ 664.28620 32 R$ 2,592.02 R$ 632.05 R$ 32.24 R$ 664.28620 33 R$ 1,953.66 R$ 638.37 R$ 25.92 R$ 664.28620 34 R$ 1,308.91 R$ 644.75 R$ 19.54 R$ 664.28620 35 R$ 657.71 R$ 651.20 R$ 13.09 R$ 664.28620 36 R$ 0.00 R$ 657.71 R$ 6.58 R$ 664.28620 Ex. 9) O sr. Real adquiriu um veículo no valor US$ 20.000,00, por meio de uma operação de leasing financeiro. Comprometendo-se a pagar em 36 parcelas iguais e mensais, vencendo a primeira 30 dias após a contratação e sabendo que a taxa de juros é de 1,0% a.m. no Sistema Um Principal de R$ 5.000,00 foi financiado em três parcelas iguais e mensais à taxa de juros de 2,0 % a.m. Construir a respectiva Tabela Price. Ex.1 Um computador é vendido por R$ 4.000,00 a vista ou financiada em 5 parcelas mensais, sem entrada. Sendo a taxa de juros de 18% a.a. e o sistema aplicado é Tabela Price , calcular o valor da prestação e a taxa de juros que está sendo efetivamente cobrada pela fórmula e pela HP12C. Ex.2 Um empréstimo no valor de R$ 100.000,00 deve ser liquidado por meio do pagamento de 10 prestações iguais e mensais, vencendo a primeira 30 após a data da contratação, por meio do Sistema Francês. Se a taxa de juros é de 120% a.a, pede-se o valor das prestações a serem pagas e a construção da tabela demonstrando o estado mensal da dívida. (PMT= 16.274,54) Ex.3 A tabela a seguir ilustra o nosso exemplo geral: - Valor do bem = R$ 10.000,00, taxa mensal= 2% a.m. e número de parcelas = 10 Ex.4 A quantia de R$ 400.000,00 é financiada pelo Sistema Price, em 48 prestações mensais à taxa de 6% a.m.. Calcular os juros e as amortizações contidas em 12 prestações consecutivas a partir da 30ª, exclusive: Sequência: Ex. 5 Um empréstimo de R$ 100.000,00 foi liquidado em 24 prestações mensais calculadas pelo Sistema Price. Sabendo-se que a taxa de juros utilizada para o cálculo desse financiamento foi de 6% a.m., pede-se: O valor da oitava prestação; ( 7.967,90) a)O valor do saldo devedor após o pagamento da décima prestação; (74.061,51) b)O valor da parcela de amortização referente a 14ª prestação; (4.179,39) c)O valor da parcela de juros correspondente à 18ª prestação; (2.668,79) d)O valor dos juros acumulados após o pagamento da 15ª prestação; (73.713,71) e)O valor das amortizações acumuladas após o pagamento da 15ª prestação. (45.804,79) g) O valor dos juros pagos entre a quinta prestação (exclusive) e a oitava prestação (inclusive) (15.519,71) Ex.6 O valor dos juros pagos entre a quinta prestação (exclusive) e a oitava prestação (inclusive).O Banco Alfa concedeu um financiamento de R$ 20.000,00 para a fábrica de Calçados Estrela, amortizável, pelo Sistema Price, em 10 prestações mensais. Sabendo-se que a taxa de juros desse financiamento é de 4% a.m., construir a Tabela Price e determinar: a)O valor da terceira prestação; b)O valor do saldo devedor após o pagamento da quinta prestação; c)O valor da parcela de amortização referente a oitava prestação; d)O valor da parcela de juros correspondente a nona prestação; e)O valor dos juros acumulados após o pagamento da sexta prestação; f)O valor das amortizações acumuladas após o pagamento da sexta prestação; g)O valor dos juros pagos entre a quinta prestação (exclusive) e a nona prestação (inclusive) Ex. 7 Um empresário adquiriu uma frota de caminhões por R$ 300.000,00 hoje, com pagamentos em 6 prestações mensais, a uma taxa fixa de juros de 18% a.a., capitalizados mensalmente, sendo que a primeira prestação ocorre somente no final do 3º mês da compra. Nesse caso, monte a tabela para os períodos, destacando que a tabela deve conter as seguintes informações: Ex. 8 Uma financeira empresta R$ 80.000,00 em 8 prestações mensais, sendo a taxa de 12% a.a., calcule o valor das prestações e construa a tabela demonstrativa do estado mensal da dívida. Ex. 9 Um banco empresta R$ 70.000,00 a um cliente a taxa de 24% a.a. e exige a devolução em 5 parcelas iguais pelo Sistema Price. Construir a tabela demonstrativa da dívida e calcular o valor das prestações. Ex.10 O sr. Real adquiriu um veículo no valor US$ 20.000,00, por meio de uma operação de leasing financeiro. Comprometendo-se a pagar em 36 parcelas iguais e mensais, vencendo a primeira 30 dias após a contratação e sabendo que a taxa de juros é de 1,0% a.m. no Sistema Price, calcular o valor das prestações e o saldo devedor após o pagamento da 24ª parcela. SAC 270000 r$ 120.000 n=10 m i=13,20% a.a 12000 0.8 %a.m n=150 meses 1.1 0.1156078356 TABELA SAC TABELA PRICE 0.0122716862 TABELA SAC saldo devedor amortização juros prestação saldo devedor amortização juros prestação 9.42069686 saldo devedor amortização juros prestação 0 270,000 0 120,000 12737.9111952111 0 120,000 1 268,200 1800 2160 3960 1 R$ 108,582.09 R$ 11,417.91 R$ 1,320.00 R$ 12,737.91120 1 108,000 12000 1320 13320 2 266,400 1800 2145.6 3945.6 2 R$ 97,038.58 R$ 11,543.51 R$ 1,194.40 R$ 12,737.91120 2 96,000 12000 1188 13188 3 264,600 1800 2131.2 3931.2 a) 9,6/12 0.8 %a.m 3 R$ 85,368.09 R$ 11,670.49 R$ 1,067.42 R$ 12,737.91120 1.1 3 84,000 12000 1056 13056 4 262,800 1800 2116.8 3916.8 b) 3960 R$ 3,097.37687 4 R$ 73,569.23 R$ 11,798.86 R$ 939.05 R$ 12,737.91120 4 72,000 12000 924 12924 5 261,000 1800 2102.4 3902.4 c) 1814.4 R$ 3,097.37687 2.3043026329 5 R$ 61,640.58 R$ 11,928.65R$ 809.26 R$ 12,737.91120 5 60,000 12000 792 12792 6 259,200 1800 2088 3888 d) 20,115,000 R$ 24,055,816.40 0.0264344211 6 R$ 49,580.72 R$ 12,059.86 R$ 678.05 R$ 12,737.91120 6 48,000 12000 660 12660 7 257,400 1800 2073.6 3873.6 e) 0 10.76% acho que esta errado 87.1705352423 7 R$ 37,388.19 R$ 12,192.52 R$ 545.39 R$ 12,737.91120 7 36,000 12000 528 12528 8 255,600 1800 2059.2 3859.2 3097.3768745326 8 R$ 25,061.55 R$ 12,326.64 R$ 411.27 R$ 12,737.91120 8 24,000 12000 396 12396 9 253,800 1800 2044.8 3844.8 TABELA PRICE 9 R$ 12,599.32 R$ 12,462.23 R$ 275.68 R$ 12,737.91120 9 12,000 12000 264 12264 10 252,000 1800 2030.4 3830.4 saldo devedor amortização juros prestação 10 -R$ 0.00 R$ 12,599.32 R$ 138.59 R$ 12,737.91120 10 0 12000 132 12132 11 250,200 1800 2016 3816 TABELA PRICE 12 248,400 1800 2001.6 3801.6 saldo devedor amortização juros prestação R$ 550,828.36 R$ 120,000.00 R$ 7,379.11 R$ 127,379.11195 TAXA EFETIVA 540,000 120000 7260 127260 13 246,600 1800 1987.2 3787.2 0 270,000 14 244,800 1800 1972.8 3772.8 1 R$ 269,062.62 R$ 937.38 R$ 2,160.00 R$ 3,097.37687 15 243,000 1800 1958.4 3758.4 2 R$ 268,117.75 R$ 944.88 R$ 2,152.50 R$ 3,097.37687 16 241,200 1800 1944 3744 3 R$ 267,165.31 R$ 952.43 R$ 2,144.94 R$ 3,097.37687 17 239,400 1800 1929.6 3729.6 4 R$ 266,205.26 R$ 960.05 R$ 2,137.32 R$ 3,097.37687 18 237,600 1800 1915.2 3715.2 5 R$ 265,237.52 R$ 967.73 R$ 2,129.64 R$ 3,097.37687 19 235,800 1800 1900.8 3700.8 6 R$ 264,262.05 R$ 975.48 R$ 2,121.90 R$ 3,097.37687 20 234,000 1800 1886.4 3686.4 7 R$ 263,278.77 R$ 983.28 R$ 2,114.10 R$ 3,097.37687 21 232,200 1800 1872 3672 8 R$ 262,287.62 R$ 991.15 R$ 2,106.23 R$ 3,097.37687 22 230,400 1800 1857.6 3657.6 9 R$ 261,288.54 R$ 999.08 R$ 2,098.30 R$ 3,097.37687 23 228,600 1800 1843.2 3643.2 10 R$ 260,281.47 R$ 1,007.07 R$ 2,090.31 R$ 3,097.37687 24 226,800 1800 1828.8 3628.8 11 R$ 259,266.35 R$ 1,015.13 R$ 2,082.25 R$ 3,097.37687 25 225,000 1800 1814.4 3614.4 12 R$ 258,243.10 R$ 1,023.25 R$ 2,074.13 R$ 3,097.37687 26 223,200 1800 1800 3600 13 R$ 257,211.67 R$ 1,031.43 R$ 2,065.94 R$ 3,097.37687 27 221,400 1800 1785.6 3585.6 14 R$ 256,171.99 R$ 1,039.68 R$ 2,057.69 R$ 3,097.37687 28 219,600 1800 1771.2 3571.2 15 R$ 255,123.99 R$ 1,048.00 R$ 2,049.38 R$ 3,097.37687 29 217,800 1800 1756.8 3556.8 16 R$ 254,067.60 R$ 1,056.38 R$ 2,040.99 R$ 3,097.37687 30 216,000 1800 1742.4 3542.4 17 R$ 253,002.77 R$ 1,064.84 R$ 2,032.54 R$ 3,097.37687 31 214,200 1800 1728 3528 18 R$ 251,929.41 R$ 1,073.35 R$ 2,024.02 R$ 3,097.37687 32 212,400 1800 1713.6 3513.6 19 R$ 250,847.47 R$ 1,081.94 R$ 2,015.44 R$ 3,097.37687 33 210,600 1800 1699.2 3499.2 20 R$ 249,756.87 R$ 1,090.60 R$ 2,006.78 R$ 3,097.37687 34 208,800 1800 1684.8 3484.8 21 R$ 248,657.55 R$ 1,099.32 R$ 1,998.05 R$ 3,097.37687 35 207,000 1800 1670.4 3470.4 22 R$ 247,549.43 R$ 1,108.12 R$ 1,989.26 R$ 3,097.37687 36 205,200 1800 1656 3456 23 R$ 246,432.45 R$ 1,116.98 R$ 1,980.40 R$ 3,097.37687 37 203,400 1800 1641.6 3441.6 24 R$ 245,306.54 R$ 1,125.92 R$ 1,971.46 R$ 3,097.37687 38 201,600 1800 1627.2 3427.2 25 R$ 244,171.61 R$ 1,134.92 R$ 1,962.45 R$ 3,097.37687 39 199,800 1800 1612.8 3412.8 26 R$ 243,027.61 R$ 1,144.00 R$ 1,953.37 R$ 3,097.37687 40 198,000 1800 1598.4 3398.4 27 R$ 241,874.45 R$ 1,153.16 R$ 1,944.22 R$ 3,097.37687 41 196,200 1800 1584 3384 28 R$ 240,712.07 R$ 1,162.38 R$ 1,935.00 R$ 3,097.37687 42 194,400 1800 1569.6 3369.6 29 R$ 239,540.39 R$ 1,171.68 R$ 1,925.70 R$ 3,097.37687 43 192,600 1800 1555.2 3355.2 30 R$ 238,359.34 R$ 1,181.05 R$ 1,916.32 R$ 3,097.37687 44 190,800 1800 1540.8 3340.8 31 R$ 237,168.83 R$ 1,190.50 R$ 1,906.87 R$ 3,097.37687 45 189,000 1800 1526.4 3326.4 32 R$ 235,968.81 R$ 1,200.03 R$ 1,897.35 R$ 3,097.37687 46 187,200 1800 1512 3312 33 R$ 234,759.18 R$ 1,209.63 R$ 1,887.75 R$ 3,097.37687 47 185,400 1800 1497.6 3297.6 34 R$ 233,539.88 R$ 1,219.30 R$ 1,878.07 R$ 3,097.37687 48 183,600 1800 1483.2 3283.2 35 R$ 232,310.82 R$ 1,229.06 R$ 1,868.32 R$ 3,097.37687 49 181,800 1800 1468.8 3268.8 36 R$ 231,071.93 R$ 1,238.89 R$ 1,858.49 R$ 3,097.37687 50 180,000 1800 1454.4 3254.4 37 R$ 229,823.13 R$ 1,248.80 R$ 1,848.58 R$ 3,097.37687 51 178,200 1800 1440 3240 38 R$ 228,564.34 R$ 1,258.79 R$ 1,838.59 R$ 3,097.37687 52 176,400 1800 1425.6 3225.6 39 R$ 227,295.47 R$ 1,268.86 R$ 1,828.51 R$ 3,097.37687 53 174,600 1800 1411.2 3211.2 40 R$ 226,016.46 R$ 1,279.01 R$ 1,818.36 R$ 3,097.37687 54 172,800 1800 1396.8 3196.8 41 R$ 224,727.22 R$ 1,289.25 R$ 1,808.13 R$ 3,097.37687 55 171,000 1800 1382.4 3182.4 42 R$ 223,427.66 R$ 1,299.56 R$ 1,797.82 R$ 3,097.37687 56 169,200 1800 1368 3168 43 R$ 222,117.70 R$ 1,309.96 R$ 1,787.42 R$ 3,097.37687 57 167,400 1800 1353.6 3153.6 44 R$ 220,797.27 R$ 1,320.44 R$ 1,776.94 R$ 3,097.37687 58 165,600 1800 1339.2 3139.2 45 R$ 219,466.27 R$ 1,331.00 R$ 1,766.38 R$ 3,097.37687 59 163,800 1800 1324.8 3124.8 46 R$ 218,124.62 R$ 1,341.65 R$ 1,755.73 R$ 3,097.37687 60 162,000 1800 1310.4 3110.4 47 R$ 216,772.24 R$ 1,352.38 R$ 1,745.00 R$ 3,097.37687 61 160,200 1800 1296 3096 48 R$ 215,409.04 R$ 1,363.20 R$ 1,734.18 R$ 3,097.37687 62 158,400 1800 1281.6 3081.6 49 R$ 214,034.94 R$ 1,374.10 R$ 1,723.27 R$ 3,097.37687 63 156,600 1800 1267.2 3067.2 50 R$ 212,649.84 R$ 1,385.10 R$ 1,712.28 R$ 3,097.37687 64 154,800 1800 1252.8 3052.8 51 R$ 211,253.66 R$ 1,396.18 R$ 1,701.20 R$ 3,097.37687 65 153,000 1800 1238.4 3038.4 52 R$ 209,846.31 R$ 1,407.35 R$ 1,690.03 R$ 3,097.37687 66 151,200 1800 1224 3024 53 R$ 208,427.71 R$ 1,418.61 R$ 1,678.77 R$ 3,097.37687 67 149,400 1800 1209.6 3009.6 54 R$ 206,997.75 R$ 1,429.96 R$ 1,667.42 R$ 3,097.37687 68 147,600 1800 1195.2 2995.2 55 R$ 205,556.36 R$ 1,441.39 R$ 1,655.98 R$ 3,097.37687 69 145,800 1800 1180.8 2980.8 56 R$ 204,103.43 R$ 1,452.93 R$ 1,644.45 R$ 3,097.37687 70 144,000 1800 1166.4 2966.4 57 R$ 202,638.88 R$ 1,464.55 R$ 1,632.83 R$ 3,097.37687 71 142,200 1800 1152 2952 58 R$ 201,162.62 R$ 1,476.27 R$ 1,621.11 R$ 3,097.37687 72 140,400 1800 1137.6 2937.6 59 R$ 199,674.54 R$ 1,488.08 R$1,609.30 R$ 3,097.37687 73 138,600 1800 1123.2 2923.2 60 R$ 198,174.56 R$ 1,499.98 R$ 1,597.40 R$ 3,097.37687 74 136,800 1800 1108.8 2908.8 61 R$ 196,662.58 R$ 1,511.98 R$ 1,585.40 R$ 3,097.37687 75 135,000 1800 1094.4 2894.4 62 R$ 195,138.50 R$ 1,524.08 R$ 1,573.30 R$ 3,097.37687 76 133,200 1800 1080 2880 63 R$ 193,602.23 R$ 1,536.27 R$ 1,561.11 R$ 3,097.37687 77 131,400 1800 1065.6 2865.6 64 R$ 192,053.67 R$ 1,548.56 R$ 1,548.82 R$ 3,097.37687 78 129,600 1800 1051.2 2851.2 65 R$ 190,492.73 R$ 1,560.95 R$ 1,536.43 R$ 3,097.37687 79 127,800 1800 1036.8 2836.8 66 R$ 188,919.29 R$ 1,573.44 R$ 1,523.94 R$ 3,097.37687 80 126,000 1800 1022.4 2822.4 67 R$ 187,333.27 R$ 1,586.02 R$ 1,511.35 R$ 3,097.37687 81 124,200 1800 1008 2808 68 R$ 185,734.56 R$ 1,598.71 R$ 1,498.67 R$ 3,097.37687 82 122,400 1800 993.6 2793.6 69 R$ 184,123.06 R$ 1,611.50 R$ 1,485.88 R$ 3,097.37687 83 120,600 1800 979.2 2779.2 70 R$ 182,498.67 R$ 1,624.39 R$ 1,472.98 R$ 3,097.37687 84 118,800 1800 964.8 2764.8 71 R$ 180,861.28 R$ 1,637.39 R$ 1,459.99 R$ 3,097.37687 85 117,000 1800 950.4 2750.4 72 R$ 179,210.79 R$ 1,650.49 R$ 1,446.89 R$ 3,097.37687 86 115,200 1800 936 2736 73 R$ 177,547.10 R$ 1,663.69 R$ 1,433.69 R$ 3,097.37687 87 113,400 1800 921.6 2721.6 74 R$ 175,870.10 R$ 1,677.00 R$ 1,420.38 R$ 3,097.37687 88 111,600 1800 907.2 2707.2 75 R$ 174,179.69 R$ 1,690.42 R$ 1,406.96 R$ 3,097.37687 89 109,800 1800 892.8 2692.8 76 R$ 172,475.75 R$ 1,703.94 R$ 1,393.44 R$ 3,097.37687 90 108,000 1800 878.4 2678.4 77 R$ 170,758.17 R$ 1,717.57 R$ 1,379.81 R$ 3,097.37687 91 106,200 1800 864 2664 78 R$ 169,026.86 R$ 1,731.31 R$ 1,366.07 R$ 3,097.37687 92 104,400 1800 849.6 2649.6 79 R$ 167,281.70 R$ 1,745.16 R$ 1,352.21 R$ 3,097.37687 93 102,600 1800 835.2 2635.2 80 R$ 165,522.58 R$ 1,759.12 R$ 1,338.25 R$ 3,097.37687 94 100,800 1800 820.8 2620.8 81 R$ 163,749.38 R$ 1,773.20 R$ 1,324.18 R$ 3,097.37687 95 99,000 1800 806.4 2606.4 82 R$ 161,962.00 R$ 1,787.38 R$ 1,310.00 R$ 3,097.37687 96 97,200 1800 792 2592 83 R$ 160,160.32 R$ 1,801.68 R$ 1,295.70 R$ 3,097.37687 97 95,400 1800 777.6 2577.6 84 R$ 158,344.22 R$ 1,816.09 R$ 1,281.28 R$ 3,097.37687 98 93,600 1800 763.2 2563.2 85 R$ 156,513.60 R$ 1,830.62 R$ 1,266.75 R$ 3,097.37687 99 91,800 1800 748.8 2548.8 86 R$ 154,668.33 R$ 1,845.27 R$ 1,252.11 R$ 3,097.37687 100 90,000 1800 734.4 2534.4 87 R$ 152,808.30 R$ 1,860.03 R$ 1,237.35 R$ 3,097.37687 101 88,200 1800 720 2520 88 R$ 150,933.39 R$ 1,874.91 R$ 1,222.47 R$ 3,097.37687 102 86,400 1800 705.6 2505.6 89 R$ 149,043.48 R$ 1,889.91 R$ 1,207.47 R$ 3,097.37687 103 84,600 1800 691.2 2491.2 90 R$ 147,138.45 R$ 1,905.03 R$ 1,192.35 R$ 3,097.37687 104 82,800 1800 676.8 2476.8 91 R$ 145,218.19 R$ 1,920.27 R$ 1,177.11 R$ 3,097.37687 105 81,000 1800 662.4 2462.4 92 R$ 143,282.55 R$ 1,935.63 R$ 1,161.75 R$ 3,097.37687 106 79,200 1800 648 2448 93 R$ 141,331.44 R$ 1,951.12 R$ 1,146.26 R$ 3,097.37687 107 77,400 1800 633.6 2433.6 94 R$ 139,364.71 R$ 1,966.73 R$ 1,130.65 R$ 3,097.37687 108 75,600 1800 619.2 2419.2 95 R$ 137,382.25 R$ 1,982.46 R$ 1,114.92 R$ 3,097.37687 109 73,800 1800 604.8 2404.8 96 R$ 135,383.93 R$ 1,998.32 R$ 1,099.06 R$ 3,097.37687 110 72,000 1800 590.4 2390.4 97 R$ 133,369.63 R$ 2,014.31 R$ 1,083.07 R$ 3,097.37687 111 70,200 1800 576 2376 98 R$ 131,339.21 R$ 2,030.42 R$ 1,066.96 R$ 3,097.37687 112 68,400 1800 561.6 2361.6 99 R$ 129,292.55 R$ 2,046.66 R$ 1,050.71 R$ 3,097.37687 113 66,600 1800 547.2 2347.2 100 R$ 127,229.51 R$ 2,063.04 R$ 1,034.34 R$ 3,097.37687 114 64,800 1800 532.8 2332.8 101 R$ 125,149.97 R$ 2,079.54 R$ 1,017.84 R$ 3,097.37687 115 63,000 1800 518.4 2318.4 102 R$ 123,053.79 R$ 2,096.18 R$ 1,001.20 R$ 3,097.37687 116 61,200 1800 504 2304 103 R$ 120,940.84 R$ 2,112.95 R$ 984.43 R$ 3,097.37687 117 59,400 1800 489.6 2289.6 104 R$ 118,810.99 R$ 2,129.85 R$ 967.53 R$ 3,097.37687 118 57,600 1800 475.2 2275.2 105 R$ 116,664.11 R$ 2,146.89 R$ 950.49 R$ 3,097.37687 119 55,800 1800 460.8 2260.8 106 R$ 114,500.04 R$ 2,164.06 R$ 933.31 R$ 3,097.37687 120 54,000 1800 446.4 2246.4 107 R$ 112,318.66 R$ 2,181.38 R$ 916.00 R$ 3,097.37687 121 52,200 1800 432 2232 108 R$ 110,119.84 R$ 2,198.83 R$ 898.55 R$ 3,097.37687 122 50,400 1800 417.6 2217.6 109 R$ 107,903.42 R$ 2,216.42 R$ 880.96 R$ 3,097.37687 123 48,600 1800 403.2 2203.2 110 R$ 105,669.27 R$ 2,234.15 R$ 863.23 R$ 3,097.37687 124 46,800 1800 388.8 2188.8 111 R$ 103,417.25 R$ 2,252.02 R$ 845.35 R$ 3,097.37687 125 45,000 1800 374.4 2174.4 112 R$ 101,147.21 R$ 2,270.04 R$ 827.34 R$ 3,097.37687 126 43,200 1800 360 2160 113 R$ 98,859.01 R$ 2,288.20 R$ 809.18 R$ 3,097.37687 127 41,400 1800 345.6 2145.6 114 R$ 96,552.50 R$ 2,306.50 R$ 790.87 R$ 3,097.37687 128 39,600 1800 331.2 2131.2 115 R$ 94,227.55 R$ 2,324.96 R$ 772.42 R$ 3,097.37687 129 37,800 1800 316.8 2116.8 116 R$ 91,883.99 R$ 2,343.56 R$ 753.82 R$ 3,097.37687 130 36,000 1800 302.4 2102.4 117 R$ 89,521.69 R$ 2,362.30 R$ 735.07 R$ 3,097.37687 131 34,200 1800 288 2088 118 R$ 87,140.48 R$ 2,381.20 R$ 716.17 R$ 3,097.37687 132 32,400 1800 273.6 2073.6 119 R$ 84,740.23 R$ 2,400.25 R$ 697.12 R$ 3,097.37687 133 30,600 1800 259.2 2059.2 120 R$ 82,320.77 R$ 2,419.46 R$ 677.92 R$ 3,097.37687 134 28,800 1800 244.8 2044.8 121 R$ 79,881.96 R$ 2,438.81 R$ 658.57 R$ 3,097.37687 135 27,000 1800 230.4 2030.4 122 R$ 77,423.64 R$ 2,458.32 R$ 639.06 R$ 3,097.37687 136 25,200 1800 216 2016 123 R$ 74,945.65 R$ 2,477.99 R$ 619.39 R$ 3,097.37687 137 23,400 1800 201.6 2001.6 124 R$ 72,447.84 R$ 2,497.81 R$ 599.57 R$ 3,097.37687 138 21,600 1800 187.2 1987.2 125 R$ 69,930.05 R$ 2,517.79 R$ 579.58 R$ 3,097.37687 139 19,800 1800 172.8 1972.8 126 R$ 67,392.11 R$ 2,537.94 R$ 559.44 R$ 3,097.37687 140 18,000 1800 158.4 1958.4 127 R$ 64,833.87 R$ 2,558.24 R$ 539.14 R$ 3,097.37687 141 16,200 1800 144 1944 128 R$ 62,255.17 R$ 2,578.71 R$ 518.67 R$ 3,097.37687 142 14,400 1800 129.61929.6 129 R$ 59,655.83 R$ 2,599.34 R$ 498.04 R$ 3,097.37687 143 12,600 1800 115.2 1915.2 130 R$ 57,035.70 R$ 2,620.13 R$ 477.25 R$ 3,097.37687 144 10,800 1800 100.8 1900.8 131 R$ 54,394.61 R$ 2,641.09 R$ 456.29 R$ 3,097.37687 145 9,000 1800 86.4 1886.4 132 R$ 51,732.39 R$ 2,662.22 R$ 435.16 R$ 3,097.37687 146 7,200 1800 72 1872 133 R$ 49,048.87 R$ 2,683.52 R$ 413.86 R$ 3,097.37687 147 5,400 1800 57.6 1857.6 134 R$ 46,343.89 R$ 2,704.99 R$ 392.39 R$ 3,097.37687 148 3,600 1800 43.2 1843.2 135 R$ 43,617.26 R$ 2,726.63 R$ 370.75 R$ 3,097.37687 149 1,800 1800 28.8 1828.8 136 R$ 40,868.82 R$ 2,748.44 R$ 348.94 R$ 3,097.37687 150 0 1800 14.4 1814.4 137 R$ 38,098.40 R$ 2,770.43 R$ 326.95 R$ 3,097.37687 138 R$ 35,305.81 R$ 2,792.59 R$ 304.79 R$ 3,097.37687 139 R$ 32,490.87 R$ 2,814.93 R$ 282.45 R$ 3,097.37687 140 R$ 29,653.42 R$ 2,837.45 R$ 259.93 R$ 3,097.37687 141 R$ 26,793.28 R$ 2,860.15 R$ 237.23 R$ 3,097.37687 142 R$ 23,910.24 R$ 2,883.03 R$ 214.35 R$ 3,097.37687 143 R$ 21,004.15 R$ 2,906.09 R$ 191.28 R$ 3,097.37687 144 R$ 18,074.81 R$ 2,929.34 R$ 168.03 R$ 3,097.37687 145 R$ 15,122.03 R$ 2,952.78 R$ 144.60 R$ 3,097.37687 146 R$ 12,145.63 R$ 2,976.40 R$ 120.98 R$ 3,097.37687 147 R$ 9,145.42 R$ 3,000.21 R$ 97.17 R$ 3,097.37687 148 R$ 6,121.20 R$ 3,024.21 R$ 73.16 R$ 3,097.37687 149 R$ 3,072.79 R$ 3,048.41 R$ 48.97 R$ 3,097.37687 150 R$ 0.00 R$ 3,072.79 R$ 24.58 R$ 3,097.37687 Uma pessoa pretende financiar a compra de um apartamento no valor de R$120.000,00, a ser paga em 10 parcelas mensais pelo Sistema SAC, com taxa de 13,20% ao ano. Foram-lhe oferecidos dois sistemas: o Price e o SAC. Elabore uma planilha financeira do Sistema Price e outra do Sistema SAC, fazendo as devidas comparações. Após a análise das duas planilhas, escolha aquele que melhor se adapta às suas condições, justifique. Calcule também, a taxa efetiva a ser paga. ) Um imóvel, no valor de R$ 350.000,00, foi posto a venda com entrada de R$80.000,00 e o saldo as ser financiado pelo Sistema Financeiro de Habitação (SFH). O Banco selecionado aplica a taxa anual (nominal) de 9,6% a.a. Construa a tabela demonstrativa do financiamento em 150 parcelas mensais e pelo Sistema de Amortização Constante (SAC).
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