MODELO DE PROJEO DE FLUXO DE CAIXA LIVRE PARA OS SCIOS - HOTEL

CAPTAO DE RECURSOS
Financiamento
Capital Prprio

2,700,000
5,000,000

APLICAO DOS RECURSOS

Imvel
Construo Civil
Sistemas
Acabamentos
Outros Custos Diretos
Paisagismo e Piscina
Terreno
Mveis e Utenslios
Gastos Pr Operacionais
Licenas e Alvars
Seguros
Outros
Projetos
Arquitetos
Engenheiros
Consultores
TOTAL

Balano Patrimonial de Partida

5,500,000
3,200,000
40,000
190,000
120,000
50,000
1,900,000
1,800,000
196,000
4,000
42,000
150,000
77,000
25,000
40,000
12,000
7,573,000

ATIVO
CIRCULANTE
Caixa
Depreciao
n.a.
4%
10%
n.a.
20%

NO CIRCULANTE
Terreno
Imvel
Mveis e Utenslios
Software
Ativo Diferido
TOTAL ATIVO

Depreciao mensal
Depreciao mensal
Amortizao mensal

www.financasfacil.com

127,000
127,000
7,573,000
1,900,000
3,560,000
1,800,000
40,000
273,000
7,700,000

11,867
15,000
4,550

PASSIVO
CIRCULANTE

NO CIRCULANTE
Financiamento

2,700,000
2,700,000

PATRIMNIO LQUIDO
Capital Social

5,000,000
5,000,000

TOTAL PASSIVO + PL

7,700,000

PROJEO DA DEMOSNTRAO DO RESULTADO

Jan-11

RECEITAS S/ VENDAS
Receita Bruta Hospedagem
Receita Bruta Lavanderia
Receita Bruta SPA
Receita Bruta A&B

543,168
456,000
13,680
10,488
63,000

( - ) IMPOSTOS SOBRE RECEITA

(84,961)

% Rec. Bruta

ICMS
ISS
PIS
COFINS

15.6%

17%
5%
1.65%
7.60%

s/ Rec. de Mercadoria
s/ Rec. de Servios
s/ Receita Bruta Total
s/ Receita Bruta Total

(10,710)
(24,008)
(8,962)
(41,281)

( = ) RECEITA LQUIDA

458,207

( - ) CUSTOS VARIVEIS

(52,613)

% Rec. Lquida

Custo de Hospedagem
Custo de Lavanderia
Custo de SPA
Custo de A&B

11.5%

1%
75%
60%
50%

s/ Receita Bruta Hosp.

s/ Receita Bruta Lav.
s/ Receita Bruta SPA
s/ Receita Bruta A&B

( = ) MARGEM BRUTA

405,594

% Rec. Lquida

88.5%

( - ) GASTOS COM PESSOAL

(197,209)

% Rec. Lquida

Salrios
13 Salrio
Frias
1/3 s/ Frias
INSS - Empresa
FGTS
Outras Contribuies
Vale Transporte
Vale Alimentao

( - ) UTILIDADES E SERVIOS
% Rec. Lquida

gua
Luz

(4,560)
(10,260)
(6,293)
(31,500)

43.0%

8.33%
8.33%
33.33%
20%
8%
5%

s/ Salrios
s/ Salrios
s/ Frias
s/ Salrios
s/ Salrios
s/ Salrios

(104,000)
(8,667)
(8,667)
(2,889)
(20,800)
(8,320)
(8,667)
(21,120)
(14,080)

(8,709)
1.9%

(2,365)
(2,987)

Gs
Telefone
( - ) ALUGUEL
% Rec. Lquida

Aluguel do Imvel
( - ) TAXAS/ CONTRIBUIES
% Rec. Lquida

Proviso p/ IPTU
Condomnio
Outras Taxas
( - ) SERVIOS DE TERCEIROS
% Rec. Lquida

Paisagismo
Suporte de Informtica
Contabilidade
Consultoria
( - ) DESPESAS ADMINISTRATIVAS
% Rec. Lquida

Material de Escritrio
Outras Despesas
( - ) MARKETING / VENDAS / RESERVAS
% Rec. Lquida

Feiras e Eventos
Representaes
Comisses
( - ) DEPRECIAO E AMORTIZAO

(270)
(3,087)
0.0%

(50,500)
11.0%

(49,500)
(1,000)
(4,082)
0.9%

(967)
(1,023)
(1,136)
(956)
(1,892)
0.4%

(1,051)
(841)
(6,152)
1.3%

(1,151)
(441)
(4,560)
(31,500)

% Rec. Lquida

6.9%

Depreciao
Amortizao

(26,950)
(4,550)

( = ) LUCRO ANTES DOS JUROS E IMPOSTO DE RENDA

% Rec. Lquida

( - ) DESPESAS FINANCEIRAS
Juros

105,550
23.0%

( = ) LUCRO ANTES DO IMPOSTO DE RENDA

105,550

( - ) IMPOSTO DE RENDA E C. SOCIAL

(21,054)

% LAIR

Imposto de Renda
Contribuio Social

19.9%

10% a 15% s/ LAIR

9% s/ LAIR

( = ) LUCRO LQUIDO

(11,555)
(9,499)
84,495

% Rec. Lquida

18.4%

CLCULO DO FLUXO DE CAIXA LIVRE PARA OS SCIOS

LUCRO LQUIDO

84,495

( + ) Depreciao e Amortizao
( - ) Novos Investimentos em Ativo Permanente
( + ) Captao de Emprstimo
( - ) Amortizao da Dvida
(+/-) Investimento em Capital de Giro

31,500
(10,000)
(84,120)

( = ) FLUXO DE CAIXA LIVRE PARA SCIOS

21,875

PROJEO DO BALANO PATRIMONIAL

Jan-11

Prazo Mdio de Recebimento

Contas a Receber
Receita

25

Prazo Mdio de Estoque

Estoque
Custo dos Produtos Vendidos

30

Folha de Pagamento
Salrios a Pagar
Gastos com Pessoal

30

Prazo Mdio de Pagamento Fornecedores

Contas a Pagar
Compras

20

Prazo Mdio de Recolhimento de Impostos

Impostos a Recolher
Despesa com Impostos

30

dias
438,039
543,168
dias
30,484
31,500
dias
190,847
197,209
dias
79,966
123,948
dias
113,588
106,016

Check
ATIVO

INICIAL

Jan-11

CIRCULANTE
Caixa
Contas a Receber
Estoque

127,000
127,000

617,398
148,875
438,039
30,484

NO CIRCULANTE

7,573,000

7,551,500

Terreno
Imvel
Mveis e Utenslios
Software
Ativo Diferido
Novos Investimentos

1,900,000
3,560,000
1,800,000
40,000
273,000

1,900,000
3,560,000
1,800,000
40,000
273,000
10,000

(-) Depreciao Acumulada

(-) Amortizao Acumulada
(-) Depreciao s/ Novos Investimentos
TOTAL ATIVO
PASSIVO

0.83%

7,700,000
INICIAL

CIRCULANTE
Salrios a Pagar
Contas a Pagar
Impostos a Recolher

(26,867)
(4,550)
(83)
8,168,898
Jan-11

384,402
190,847
79,966
113,588

NO CIRCULANTE

2,700,000

2,700,000

Financiamento

2,700,000

2,700,000

PATRIMNIO LQUIDO

INICIAL

Jan-11

Capital Social
Lucro Acumulado

5,000,000

5,000,000
84,495

TOTAL PASSIVO + PL

7,700,000

8,168,898

CAPITAL DE GIRO
Ativo Circulante (s/ caixa)
Passivo Circulante
Capital de Giro
Investimento em Capital de Giro

Jan-11
468,523
384,402
84,120
84,120

Fluxo de Caixa Livre para o Scio

(5,000,000)

21,875

Feb-11

Mar-11

Apr-11

May-11

Jun-11

Jul-11

Aug-11

Sep-11

Oct-11

651,802
547,200
16,416
12,586
75,600

521,441
437,760
13,133
10,068
60,480

491,185
415,872
11,820
9,062
54,432

481,361
407,555
11,583
8,880
53,343

471,734
399,403
11,351
8,703
52,276

613,254
519,225
14,757
11,314
67,959

521,266
441,341
12,543
9,617
57,766

495,203
419,274
11,916
9,136
54,877

470,443
398,310
11,320
8,679
52,133

(101,954)

(81,563)

(76,526)

(74,995)

(73,495)

(95,544)

(81,212)

(77,152)

(73,294)

15.6%

15.6%

15.6%

15.6%

15.6%

15.6%

15.6%

15.6%

15.6%

(12,852)
(28,810)
(10,755)
(49,537)

(10,282)
(23,048)
(8,604)
(39,630)

(9,253)
(21,838)
(8,105)
(37,330)

(9,068)
(21,401)
(7,942)
(36,583)

(8,887)
(20,973)
(7,784)
(35,852)

(11,553)
(27,265)
(10,119)
(46,607)

(9,820)
(23,175)
(8,601)
(39,616)

(9,329)
(22,016)
(8,171)
(37,635)

(8,863)
(20,915)
(7,762)
(35,754)

549,848

439,878

414,659

406,366

398,239

517,711

440,054

418,051

397,149

(63,135)

(50,508)

(45,676)

(44,763)

(43,868)

(57,028)

(48,474)

(46,050)

(43,747)

11.5%

11.5%

11.0%

11.0%

11.0%

11.0%

11.0%

11.0%

11.0%

(5,472)
(12,312)
(7,551)
(37,800)

(4,378)
(9,850)
(6,041)
(30,240)

(4,159)
(8,865)
(5,437)
(27,216)

(4,076)
(8,687)
(5,328)
(26,672)

(3,994)
(8,514)
(5,222)
(26,138)

(5,192)
(11,068)
(6,788)
(33,980)

(4,413)
(9,408)
(5,770)
(28,883)

(4,193)
(8,937)
(5,481)
(27,439)

(3,983)
(8,490)
(5,207)
(26,067)

486,713

389,370

368,983

361,603

354,371

460,683

391,580

372,001

353,401

88.5%

88.5%

89.0%

89.0%

89.0%

89.0%

89.0%

89.0%

89.0%

(197,209)

(197,209)

(197,209)

(197,209)

(197,209)

(197,209)

(197,209)

(197,209)

(197,209)

35.9%

44.8%

47.6%

48.5%

49.5%

38.1%

44.8%

47.2%

49.7%

(104,000)
(8,667)
(8,667)
(2,889)
(20,800)
(8,320)
(8,667)
(21,120)
(14,080)

(104,000)
(8,667)
(8,667)
(2,889)
(20,800)
(8,320)
(8,667)
(21,120)
(14,080)

(104,000)
(8,667)
(8,667)
(2,889)
(20,800)
(8,320)
(8,667)
(21,120)
(14,080)

(104,000)
(8,667)
(8,667)
(2,889)
(20,800)
(8,320)
(8,667)
(21,120)
(14,080)

(104,000)
(8,667)
(8,667)
(2,889)
(20,800)
(8,320)
(8,667)
(21,120)
(14,080)

(104,000)
(8,667)
(8,667)
(2,889)
(20,800)
(8,320)
(8,667)
(21,120)
(14,080)

(104,000)
(8,667)
(8,667)
(2,889)
(20,800)
(8,320)
(8,667)
(21,120)
(14,080)

(104,000)
(8,667)
(8,667)
(2,889)
(20,800)
(8,320)
(8,667)
(21,120)
(14,080)

(104,000)
(8,667)
(8,667)
(2,889)
(20,800)
(8,320)
(8,667)
(21,120)
(14,080)

(10,451)

(8,361)

(7,876)

(7,718)

(7,564)

(9,833)

(8,358)

(7,940)

(7,543)

1.9%

1.9%

1.9%

1.9%

1.9%

1.9%

1.9%

1.9%

1.9%

(2,838)
(3,584)

(2,270)
(2,868)

(2,139)
(2,701)

(2,096)
(2,647)

(2,054)
(2,594)

(2,670)
(3,372)

(2,270)
(2,867)

(2,156)
(2,723)

(2,048)
(2,587)

(324)
(3,704)

(259)
(2,964)

(244)
(2,792)

(239)
(2,736)

(234)
(2,681)

(305)
(3,485)

(259)
(2,963)

(246)
(2,814)

(234)
(2,674)

0.0%

0.0%

0.0%

0.0%

0.0%

0.0%

0.0%

0.0%

0.0%

(50,500)

(50,500)

(50,500)

(50,500)

(50,500)

(50,500)

(50,500)

(50,500)

(50,500)

9.2%

11.5%

12.2%

12.4%

12.7%

9.8%

11.5%

12.1%

12.7%

(49,500)
(1,000)

(49,500)
(1,000)

(49,500)
(1,000)

(49,500)
(1,000)

(49,500)
(1,000)

(49,500)
(1,000)

(49,500)
(1,000)

(49,500)
(1,000)

(49,500)
(1,000)

(4,082)

(4,082)

(4,082)

(4,082)

(4,082)

(4,082)

(4,082)

(4,082)

(4,082)

0.7%

0.9%

1.0%

1.0%

1.0%

0.8%

0.9%

1.0%

1.0%

(967)
(1,023)
(1,136)
(956)

(967)
(1,023)
(1,136)
(956)

(967)
(1,023)
(1,136)
(956)

(967)
(1,023)
(1,136)
(956)

(967)
(1,023)
(1,136)
(956)

(967)
(1,023)
(1,136)
(956)

(967)
(1,023)
(1,136)
(956)

(967)
(1,023)
(1,136)
(956)

(967)
(1,023)
(1,136)
(956)

(1,892)

(1,892)

(1,892)

(1,892)

(1,892)

(1,892)

(1,892)

(1,892)

(1,892)

0.3%

0.4%

0.5%

0.5%

0.5%

0.4%

0.4%

0.5%

0.5%

(1,051)
(841)

(1,051)
(841)

(1,051)
(841)

(1,051)
(841)

(1,051)
(841)

(1,051)
(841)

(1,051)
(841)

(1,051)
(841)

(1,051)
(841)

(7,064)

(5,970)

(5,751)

(5,668)

(5,586)

(6,784)

(6,005)

(5,785)

(5,575)

1.3%

1.4%

1.4%

1.4%

1.4%

1.3%

1.4%

1.4%

1.4%

(1,151)
(441)
(5,472)

(1,151)
(441)
(4,378)

(1,151)
(441)
(4,159)

(1,151)
(441)
(4,076)

(1,151)
(441)
(3,994)

(1,151)
(441)
(5,192)

(1,151)
(441)
(4,413)

(1,151)
(441)
(4,193)

(1,151)
(441)
(3,983)

(31,583)

(31,667)

(31,750)

(31,833)

(31,917)

(32,000)

(32,083)

(32,167)

(32,250)

5.7%

7.2%

7.7%

7.8%

8.0%

6.2%

7.3%

7.7%

8.1%

(27,033)
(4,550)

(27,117)
(4,550)

(27,200)
(4,550)

(27,283)
(4,550)

(27,367)
(4,550)

(27,450)
(4,550)

(27,533)
(4,550)

(27,617)
(4,550)

(27,700)
(4,550)

183,931

89,690

69,924

62,702

55,622

158,383

91,451

72,427

54,350

33.5%

20.4%

16.9%

15.4%

14.0%

30.6%

20.8%

17.3%

13.7%

(16,200)
(16,200)

(15,975)
(15,975)

(15,748)
(15,748)

(15,521)
(15,521)

(15,291)
(15,291)

(15,061)
(15,061)

(14,829)
(14,829)

(14,596)
(14,596)

(14,361)
(14,361)

167,731

73,715

54,176

47,181

40,331

143,322

76,622

57,832

39,989

(32,869)

(15,006)

(11,293)

(9,964)

(8,663)

(28,231)

(15,558)

(11,988)

(8,598)

19.6%

20.4%

20.8%

21.1%

21.5%

19.7%

20.3%

20.7%

21.5%

(17,773)
(15,096)

(8,372)
(6,634)

(6,418)
(4,876)

(5,718)
(4,246)

(5,033)
(3,630)

(15,332)
(12,899)

(8,662)
(6,896)

(6,783)
(5,205)

(4,999)
(3,599)

134,863

58,709

42,882

37,217

31,668

115,091

61,064

45,844

31,391

24.5%

13.3%

10.3%

9.2%

8.0%

22.2%

13.9%

11.0%

7.9%

134,863

58,709

42,882

37,217

31,668

115,091

61,064

45,844

31,391

31,583
(10,000)
(37,518)
(84,651)

31,667
(10,000)
(37,743)
81,557

31,750
(10,000)
(37,970)
12,890

31,833
(10,000)
(38,198)
7,335

31,917
(10,000)
(38,427)
2,768

32,000
(10,000)
(38,658)
(68,644)

32,083
(10,000)
(38,889)
46,010

32,167
(10,000)
(39,123)
10,596

32,250
(10,000)
(39,358)
14,865

34,276

124,190

39,552

28,187

17,925

29,789

90,268

39,483

29,149

Feb-11

Mar-11

Apr-11

May-11

Jun-11

Jul-11

Aug-11

Sep-11

Oct-11

581,966
651,802

420,517
521,441

409,321
491,185

388,195
481,361

393,112
471,734

494,560
613,254

420,376
521,266

412,669
495,203

379,389
470,443

40,500
37,800

29,265
30,240

27,216
27,216

25,811
26,672

26,138
26,138

32,884
33,980

27,951
28,883

27,439
27,439

25,226
26,067

211,295
197,209

190,847
197,209

197,209
197,209

190,847
197,209

197,209
197,209

190,847
197,209

190,847
197,209

197,209
197,209

190,847
197,209

97,946
137,124

78,266
121,313

77,184
115,777

73,950
114,622

75,661
113,491

83,948
130,119

76,975
119,311

77,499
116,249

73,122
113,340

144,453
134,823

93,454
96,569

87,819
87,819

82,219
84,960

82,158
82,158

119,782
123,775

93,649
96,770

89,140
89,140

79,250
81,892

Feb-11

Mar-11

Apr-11

May-11

Jun-11

Jul-11

Aug-11

Sep-11

Oct-11

805,617
183,151
581,966
40,500

757,123
307,341
420,517
29,265

783,430
346,893
409,321
27,216

789,086
375,080
388,195
25,811

812,255
393,005
393,112
26,138

950,238
422,794
494,560
32,884

961,389
513,062
420,376
27,951

992,654
552,546
412,669
27,439

986,310
581,695
379,389
25,226

7,529,917

7,508,250

7,486,500

7,464,667

7,442,750

7,420,750

7,398,667

7,376,500

7,354,250

1,900,000
3,560,000
1,800,000
40,000
273,000
20,000

1,900,000
3,560,000
1,800,000
40,000
273,000
30,000

1,900,000
3,560,000
1,800,000
40,000
273,000
40,000

1,900,000
3,560,000
1,800,000
40,000
273,000
50,000

1,900,000
3,560,000
1,800,000
40,000
273,000
60,000

1,900,000
3,560,000
1,800,000
40,000
273,000
70,000

1,900,000
3,560,000
1,800,000
40,000
273,000
80,000

1,900,000
3,560,000
1,800,000
40,000
273,000
90,000

1,900,000
3,560,000
1,800,000
40,000
273,000
100,000

(53,733)
(9,100)
(250)

(80,600)
(13,650)
(500)

(107,467)
(18,200)
(833)

(134,333)
(22,750)
(1,250)

(161,200)
(27,300)
(1,750)

(188,067)
(31,850)
(2,333)

(214,933)
(36,400)
(3,000)

(241,800)
(40,950)
(3,750)

(268,667)
(45,500)
(4,583)

8,335,533

8,265,373

8,269,930

8,253,753

8,255,005

8,370,988

8,360,056

8,369,154

8,340,560

Feb-11

Mar-11

Apr-11

May-11

Jun-11

Jul-11

Aug-11

Sep-11

Oct-11

453,694
211,295
97,946
144,453

362,567
190,847
78,266
93,454

362,212
197,209
77,184
87,819

347,016
190,847
73,950
82,219

355,028
197,209
75,661
82,158

394,577
190,847
83,948
119,782

361,471
190,847
76,975
93,649

363,848
197,209
77,499
89,140

343,220
190,847
73,122
79,250

2,662,482

2,624,738

2,586,768

2,548,570

2,510,143

2,471,486

2,432,596

2,393,474

2,354,116

2,662,482

2,624,738

2,586,768

2,548,570

2,510,143

2,471,486

2,432,596

2,393,474

2,354,116

Feb-11

Mar-11

Apr-11

May-11

Jun-11

Jul-11

Aug-11

Sep-11

Oct-11

5,000,000
219,358

5,000,000
278,067

5,000,000
320,949

5,000,000
358,166

5,000,000
389,834

5,000,000
504,925

5,000,000
565,989

5,000,000
611,832

5,000,000
643,224

8,335,533

8,265,373

8,269,930

8,253,753

8,255,005

8,370,988

8,360,056

8,369,154

8,340,560

Feb-11

Mar-11

Apr-11

May-11

Jun-11

Jul-11

Aug-11

Sep-11

Oct-11

622,466
453,694
168,772
84,651

449,782
362,567
87,214
(81,557)

436,537
362,212
74,325
(12,890)

414,006
347,016
66,990
(7,335)

419,250
355,028
64,222
(2,768)

527,444
394,577
132,866
68,644

448,327
361,471
86,856
(46,010)

440,108
363,848
76,260
(10,596)

404,615
343,220
61,395
(14,865)

34,276

124,190

39,552

28,187

17,925

29,789

90,268

39,483

29,149

Nov-11

Dec-11

493,965
418,226
11,886
9,113
54,740

533,482
451,684
12,837
9,842
59,119

(76,959)

2011

Jan-12

Feb-12

Mar-12

Apr-12

May-12

6,288,306
5,311,849
153,244
117,487
705,727

564,895
474,240
14,227
10,908
65,520

677,874
569,088
17,073
13,089
78,624

542,299
455,270
13,658
10,471
62,899

510,833
432,507
12,292
9,424
56,609

500,616
423,857
12,046
9,236
55,477

(83,116)

(980,771)

(88,360)

(106,032)

(84,826)

(79,587)

(77,995)

15.6%

15.6%

15.6%

15.6%

15.6%

15.6%

15.6%

15.6%

(9,306)
(21,961)
(8,150)
(37,541)

(10,050)
(23,718)
(8,802)
(40,545)

(119,974)
(279,129)
(103,757)
(477,911)

(11,138)
(24,969)
(9,321)
(42,932)

(13,366)
(29,962)
(11,185)
(51,518)

(10,693)
(23,970)
(8,948)
(41,215)

(9,624)
(22,711)
(8,429)
(38,823)

(9,431)
(22,257)
(8,260)
(38,047)

417,006

450,367

5,307,535

476,535

571,842

457,473

431,246

422,621

(45,935)

(49,610)

(591,407)

(54,717)

(65,661)

(52,529)

(47,503)

(46,553)

11.0%

11.0%

11.1%

11.5%

11.5%

11.5%

11.0%

11.0%

(4,182)
(8,915)
(5,468)
(27,370)

(4,517)
(9,628)
(5,905)
(29,560)

(53,118)
(114,933)
(70,492)
(352,863)

(4,742)
(10,670)
(6,545)
(32,760)

(5,691)
(12,804)
(7,853)
(39,312)

(4,553)
(10,244)
(6,283)
(31,450)

(4,325)
(9,219)
(5,654)
(28,305)

(4,239)
(9,035)
(5,541)
(27,739)

371,071

400,757

4,716,128

421,818

506,181

404,945

383,742

376,068

89.0%

89.0%

88.9%

88.5%

88.5%

88.5%

89.0%

89.0%

(197,209)

(197,209)

(2,366,507)

(197,209)

(197,209)

(197,209)

(197,209)

(197,209)

47.3%

43.8%

44.6%

41.4%

34.5%

43.1%

45.7%

46.7%

(104,000)
(8,667)
(8,667)
(2,889)
(20,800)
(8,320)
(8,667)
(21,120)
(14,080)

(104,000)
(8,667)
(8,667)
(2,889)
(20,800)
(8,320)
(8,667)
(21,120)
(14,080)

(1,248,000)
(104,000)
(104,000)
(34,667)
(249,600)
(99,840)
(104,000)
(253,440)
(168,960)

(104,000)
(8,667)
(8,667)
(2,889)
(20,800)
(8,320)
(8,667)
(21,120)
(14,080)

(104,000)
(8,667)
(8,667)
(2,889)
(20,800)
(8,320)
(8,667)
(21,120)
(14,080)

(104,000)
(8,667)
(8,667)
(2,889)
(20,800)
(8,320)
(8,667)
(21,120)
(14,080)

(104,000)
(8,667)
(8,667)
(2,889)
(20,800)
(8,320)
(8,667)
(21,120)
(14,080)

(104,000)
(8,667)
(8,667)
(2,889)
(20,800)
(8,320)
(8,667)
(21,120)
(14,080)

(7,920)

(8,554)

(100,825)

(8,709)

(10,451)

(8,361)

(7,876)

(7,718)

1.9%

1.9%

1.9%

1.8%

1.8%

1.8%

1.8%

1.8%

(2,151)
(2,716)

(2,323)
(2,934)

(27,380)
(34,581)

(2,365)
(2,987)

(2,838)
(3,584)

(2,270)
(2,868)

(2,139)
(2,701)

(2,096)
(2,647)

(246)
(2,807)

(265)
(3,032)

(3,126)
(35,738)

(270)
(3,087)

(324)
(3,704)

(259)
(2,964)

(244)
(2,792)

(239)
(2,736)

0.0%

0.0%

(50,500)

(50,500)

0.0%

(606,000)

0.0%

0.0%

0.0%

0.0%

0.0%

(50,500)

(50,500)

(50,500)

(50,500)

(50,500)

12.1%

11.2%

11.4%

10.6%

8.8%

11.0%

11.7%

11.9%

(49,500)
(1,000)

(49,500)
(1,000)

(594,000)
(12,000)

(49,500)
(1,000)

(49,500)
(1,000)

(49,500)
(1,000)

(49,500)
(1,000)

(49,500)
(1,000)

(4,082)

(4,082)

(48,984)

(4,082)

(4,082)

(4,082)

(4,082)

(4,082)

1.0%

0.9%

0.9%

0.9%

0.7%

0.9%

0.9%

1.0%

(967)
(1,023)
(1,136)
(956)

(967)
(1,023)
(1,136)
(956)

(11,604)
(12,276)
(13,632)
(11,472)

(967)
(1,023)
(1,136)
(956)

(967)
(1,023)
(1,136)
(956)

(967)
(1,023)
(1,136)
(956)

(967)
(1,023)
(1,136)
(956)

(967)
(1,023)
(1,136)
(956)

(1,892)

(1,892)

(22,704)

(1,892)

(1,892)

(1,892)

(1,892)

(1,892)

0.5%

0.4%

0.4%

0.4%

0.3%

0.4%

0.4%

0.4%

(1,051)
(841)

(1,051)
(841)

(12,612)
(10,092)

(1,051)
(841)

(1,051)
(841)

(1,051)
(841)

(1,051)
(841)

(1,051)
(841)

(5,774)

(6,109)

(72,222)

(6,334)

(7,283)

(6,145)

(5,917)

(5,831)

1.4%

1.4%

1.4%

1.3%

1.3%

1.3%

1.4%

1.4%

(1,151)
(441)
(4,182)

(1,151)
(441)
(4,517)

(13,812)
(5,292)
(53,118)

(1,151)
(441)
(4,742)

(1,151)
(441)
(5,691)

(1,151)
(441)
(4,553)

(1,151)
(441)
(4,325)

(1,151)
(441)
(4,239)

(32,333)

(32,417)

(383,500)

(32,583)

(32,750)

(32,917)

(33,083)

(33,250)

7.8%

7.2%

7.2%

6.8%

5.7%

7.2%

7.7%

7.9%

(27,783)
(4,550)

(27,867)
(4,550)

(328,900)
(54,600)

(28,033)
(4,550)

(28,200)
(4,550)

(28,367)
(4,550)

(28,533)
(4,550)

(28,700)
(4,550)

71,361

99,995

1,115,386

120,508

202,014

103,840

83,184

75,586

17.1%

22.2%

21.0%

25.3%

35.3%

22.7%

19.3%

17.9%

(14,125)
(14,125)

(13,887)
(13,887)

(165,593)
(165,593)

(13,648)
(13,648)

(13,408)
(13,408)

(13,166)
(13,166)

(12,923)
(12,923)

(12,678)
(12,678)

57,236

86,108

949,793

106,860

188,607

90,674

70,261

62,908

(11,875)

(17,360)

(192,461)

(21,303)

(36,835)

(18,228)

(14,350)

(12,953)

20.7%

20.2%

20.3%

19.9%

0.195302038

20.1%

20.4%

20.6%

(6,724)
(5,151)

(9,611)
(7,750)

(106,979)
(85,481)

(11,686)
(9,617)

(19,861)
(16,975)

(10,067)
(8,161)

(8,026)
(6,323)

(7,291)
(5,662)

45,361

68,747

757,332

85,556

151,771

72,446

55,911

49,956

10.9%

15.3%

14.3%

18.0%

26.5%

15.8%

13.0%

11.8%

45,361

68,747

757,332

85,556

151,771

72,446

55,911

49,956

32,333
(10,000)
(39,594)
(14,168)

32,417
(10,000)
(39,831)
(17,288)

383,500
(120,000)
(425,309)
(92,851)

32,583
(20,000)
(40,070)
(4,627)

32,750
(20,000)
(40,311)
(85,613)

32,917
(20,000)
(40,553)
85,577

33,083
(20,000)
(40,796)
13,174

33,250
(20,000)
(41,041)
7,845

13,933

34,045

502,673

53,442

38,598

130,387

41,373

30,010

Nov-11

Dec-11

2011

Jan-12

Feb-12

Mar-12

Apr-12

May-12

411,637
493,965

430,228
533,482

430,706
6,288,306

455,560
564,895

605,244
677,874

437,338
542,299

425,694
510,833

403,723
500,616

27,370
27,370

28,606
29,560

29,002
352,863

31,703
32,760

42,120
39,312

30,435
31,450

28,305
28,305

26,844
27,739

197,209
197,209

190,847
197,209

194,507
2,366,507

190,847
197,209

211,295
197,209

190,847
197,209

197,209
197,209

190,847
197,209

77,402
116,103

77,901
120,746

79,021
1,442,142

81,442
126,235

99,906
139,868

79,683
123,508

78,513
117,770

75,210
116,576

88,834
88,834

97,235
100,476

96,430
1,173,231

117,496
109,663

153,072
142,867

99,729
103,054

93,936
93,936

88,014
90,948

Nov-11

Dec-11

2011

Jan-12

Feb-12

Mar-12

Apr-12

May-12

1,034,635
595,628
411,637
27,370

1,088,506
629,673
430,228
28,606

1,088,506
629,673
430,228
28,606

1,170,378
683,115
455,560
31,703

1,369,077
721,713
605,244
42,120

1,319,873
852,100
437,338
30,435

1,347,471
893,473
425,694
28,305

1,354,049
923,483
403,723
26,844

7,331,917

7,309,500

7,309,500

7,296,917

7,284,167

7,271,250

7,258,167

7,244,917

1,900,000
3,560,000
1,800,000
40,000
273,000
110,000

1,900,000
3,560,000
1,800,000
40,000
273,000
120,000

1,900,000
3,560,000
1,800,000
40,000
273,000
120,000

1,900,000
3,560,000
1,800,000
40,000
273,000
140,000

1,900,000
3,560,000
1,800,000
40,000
273,000
160,000

1,900,000
3,560,000
1,800,000
40,000
273,000
180,000

1,900,000
3,560,000
1,800,000
40,000
273,000
200,000

1,900,000
3,560,000
1,800,000
40,000
273,000
220,000

(295,533)
(50,050)
(5,500)

(322,400)
(54,600)
(6,500)

(322,400)
(54,600)
(6,500)

(349,267)
(59,150)
(7,667)

(376,133)
(63,700)
(9,000)

(403,000)
(68,250)
(10,500)

(429,867)
(72,800)
(12,167)

(456,733)
(77,350)
(14,000)

8,366,552

8,398,006

8,398,006

8,467,295

8,653,244

8,591,123

8,605,638

8,598,966

Nov-11

Dec-11

Jan-11

Feb-11

Mar-11

Apr-11

May-11

363,445
197,209
77,402
88,834

365,983
190,847
77,901
97,235

365,983
190,847
77,901
97,235

389,785
190,847
81,442
117,496

464,273
211,295
99,906
153,072

370,259
190,847
79,683
99,729

369,659
197,209
78,513
93,936

354,071
190,847
75,210
88,014

2,314,522

2,274,691

2,274,691

2,234,621

2,194,310

2,153,758

2,112,962

2,071,921

2,314,522

2,274,691

2,274,691

2,234,621

2,194,310

2,153,758

2,112,962

2,071,921

Nov-11

Dec-11

Jan-11

Feb-11

Mar-11

Apr-11

May-11

5,000,000
688,585

5,000,000
757,332

5,000,000
757,332

5,000,000
842,889

5,000,000
994,660

5,000,000
1,067,106

5,000,000
1,123,017

5,000,000
1,172,973

8,366,552

8,398,006

8,398,006

8,467,295

8,653,244

8,591,123

8,605,638

8,598,966

Nov-11

Dec-11

Jan-11

Feb-11

Mar-11

Apr-11

May-11

439,008
363,445
75,563
14,168

458,834
365,983
92,851
17,288

487,263
389,785
97,478
4,627

647,364
464,273
183,091
85,613

467,773
370,259
97,514
(85,577)

453,998
369,659
84,340
(13,174)

430,566
354,071
76,495
(7,845)

2011

2011

2011
458,834
365,983
92,851
92,851

13,933

34,045

53,442

38,598

130,387

41,373

30,010

Jun-12

Jul-12

Aug-12

Sep-12

Oct-12

Nov-12

Dec-12

2012

490,604
415,380
11,806
9,051
54,368

637,785
539,993
15,347
11,766
70,678

542,117
458,994
13,045
10,001
60,076

515,011
436,045
12,393
9,501
57,072

489,261
414,243
11,773
9,026
54,219

513,724
434,955
12,362
9,477
56,930

554,821
469,751
13,351
10,236
61,484

6,539,838
5,524,322
159,373
122,186
733,956

(76,435)

(99,366)

(84,461)

(80,238)

(76,226)

(80,037)

(86,440)

(1,020,002)

15.6%

15.6%

15.6%

15.6%

15.6%

15.6%

15.6%

15.6%

(9,242)
(21,812)
(8,095)
(37,286)

(12,015)
(28,355)
(10,523)
(48,472)

(10,213)
(24,102)
(8,945)
(41,201)

(9,702)
(22,897)
(8,498)
(39,141)

(9,217)
(21,752)
(8,073)
(37,184)

(9,678)
(22,840)
(8,476)
(39,043)

(10,452)
(24,667)
(9,155)
(42,166)

(124,772)
(290,294)
(107,907)
(497,028)

414,168

538,419

457,656

434,773

413,035

433,686

468,381

5,519,836

(45,622)

(59,309)

(50,413)

(47,892)

(45,497)

(47,772)

(51,594)

(615,063)

11.0%

11.0%

11.0%

11.0%

11.0%

11.0%

11.0%

11.1%

(4,154)
(8,854)
(5,431)
(27,184)

(5,400)
(11,510)
(7,060)
(35,339)

(4,590)
(9,784)
(6,001)
(30,038)

(4,360)
(9,295)
(5,701)
(28,536)

(4,142)
(8,830)
(5,416)
(27,109)

(4,350)
(9,271)
(5,686)
(28,465)

(4,698)
(10,013)
(6,141)
(30,742)

(55,243)
(119,530)
(73,312)
(366,978)

368,546

479,110

407,244

386,881

367,537

385,914

416,787

4,904,773

89.0%

89.0%

89.0%

89.0%

89.0%

89.0%

89.0%

88.9%

(197,209)

(197,209)

(197,209)

(197,209)

(197,209)

(197,209)

(197,209)

(2,366,507)

47.6%

36.6%

43.1%

45.4%

47.7%

45.5%

42.1%

42.9%

(104,000)
(8,667)
(8,667)
(2,889)
(20,800)
(8,320)
(8,667)
(21,120)
(14,080)

(104,000)
(8,667)
(8,667)
(2,889)
(20,800)
(8,320)
(8,667)
(21,120)
(14,080)

(104,000)
(8,667)
(8,667)
(2,889)
(20,800)
(8,320)
(8,667)
(21,120)
(14,080)

(104,000)
(8,667)
(8,667)
(2,889)
(20,800)
(8,320)
(8,667)
(21,120)
(14,080)

(104,000)
(8,667)
(8,667)
(2,889)
(20,800)
(8,320)
(8,667)
(21,120)
(14,080)

(104,000)
(8,667)
(8,667)
(2,889)
(20,800)
(8,320)
(8,667)
(21,120)
(14,080)

(104,000)
(8,667)
(8,667)
(2,889)
(20,800)
(8,320)
(8,667)
(21,120)
(14,080)

(1,248,000)
(104,000)
(104,000)
(34,667)
(249,600)
(99,840)
(104,000)
(253,440)
(168,960)

(7,564)

(9,833)

(8,358)

(7,940)

(7,543)

(7,920)

(8,554)

(100,825)

1.8%

1.8%

1.8%

1.8%

1.8%

1.8%

1.8%

1.8%

(2,054)
(2,594)

(2,670)
(3,372)

(2,270)
(2,867)

(2,156)
(2,723)

(2,048)
(2,587)

(2,151)
(2,716)

(2,323)
(2,934)

(27,380)
(34,581)

(234)
(2,681)

(305)
(3,485)

(259)
(2,963)

(246)
(2,814)

(234)
(2,674)

(246)
(2,807)

(265)
(3,032)

(3,126)
(35,738)

0.0%

0.0%

0.0%

0.0%

0.0%

0.0%

0.0%

(50,500)

(50,500)

(50,500)

(50,500)

(50,500)

(50,500)

(50,500)

0.0%

(606,000)

12.2%

9.4%

11.0%

11.6%

12.2%

11.6%

10.8%

11.0%

(49,500)
(1,000)

(49,500)
(1,000)

(49,500)
(1,000)

(49,500)
(1,000)

(49,500)
(1,000)

(49,500)
(1,000)

(49,500)
(1,000)

(594,000)
(12,000)

(4,082)

(4,082)

(4,082)

(4,082)

(4,082)

(4,082)

(4,082)

(48,984)

1.0%

0.8%

0.9%

0.9%

1.0%

0.9%

0.9%

0.9%

(967)
(1,023)
(1,136)
(956)

(967)
(1,023)
(1,136)
(956)

(967)
(1,023)
(1,136)
(956)

(967)
(1,023)
(1,136)
(956)

(967)
(1,023)
(1,136)
(956)

(967)
(1,023)
(1,136)
(956)

(967)
(1,023)
(1,136)
(956)

(11,604)
(12,276)
(13,632)
(11,472)

(1,892)

(1,892)

(1,892)

(1,892)

(1,892)

(1,892)

(1,892)

(22,704)

0.5%

0.4%

0.4%

0.4%

0.5%

0.4%

0.4%

0.4%

(1,051)
(841)

(1,051)
(841)

(1,051)
(841)

(1,051)
(841)

(1,051)
(841)

(1,051)
(841)

(1,051)
(841)

(12,612)
(10,092)

(5,746)

(6,992)

(6,182)

(5,952)

(5,734)

(5,942)

(6,290)

(74,347)

1.4%

1.3%

1.4%

1.4%

1.4%

1.4%

1.3%

1.3%

(1,151)
(441)
(4,154)

(1,151)
(441)
(5,400)

(1,151)
(441)
(4,590)

(1,151)
(441)
(4,360)

(1,151)
(441)
(4,142)

(1,151)
(441)
(4,350)

(1,151)
(441)
(4,698)

(13,812)
(5,292)
(55,243)

(33,417)

(33,583)

(33,750)

(33,917)

(34,083)

(34,250)

(34,417)

(402,000)

8.1%

6.2%

7.4%

7.8%

8.3%

7.9%

7.3%

7.3%

(28,867)
(4,550)

(29,033)
(4,550)

(29,200)
(4,550)

(29,367)
(4,550)

(29,533)
(4,550)

(29,700)
(4,550)

(29,867)
(4,550)

(347,400)
(54,600)

68,137

175,019

105,271

85,389

66,494

84,120

113,845

1,283,407

16.5%

32.5%

23.0%

19.6%

16.1%

19.4%

24.3%

23.3%

(12,432)
(12,432)

(12,184)
(12,184)

(11,935)
(11,935)

(11,684)
(11,684)

(11,432)
(11,432)

(11,178)
(11,178)

(10,923)
(10,923)

(147,588)
(147,588)

55,706

162,835

93,336

73,706

55,062

72,942

102,922

1,135,818

(11,584)

(31,939)

(18,734)

(15,004)

(11,462)

(14,859)

(20,555)

(227,805)

20.8%

19.6%

20.1%

20.4%

20.8%

20.4%

20.0%

20.1%

(6,571)
(5,014)

(17,284)
(14,655)

(10,334)
(8,400)

(8,371)
(6,633)

(6,506)
(4,956)

(8,294)
(6,565)

(11,292)
(9,263)

(125,582)
(102,224)

44,122

130,897

74,602

58,701

43,600

58,083

82,367

908,013

10.7%

24.3%

16.3%

13.5%

10.6%

13.4%

17.6%

16.4%

44,122

130,897

74,602

58,701

43,600

58,083

82,367

908,013

33,417
(20,000)
(41,287)
2,640

33,583
(20,000)
(41,535)
(71,217)

33,750
(20,000)
(41,784)
47,865

33,917
(20,000)
(42,034)
10,785

34,083
(20,000)
(42,287)
15,683

34,250
(20,000)
(42,540)
(14,985)

34,417
(20,000)
(42,796)
(17,774)

402,000
(240,000)
(497,032)
(10,648)

18,891

31,728

94,433

41,369

31,080

14,808

36,214

562,333

Jun-12

Jul-12

Aug-12

Sep-12

Oct-12

Nov-12

Dec-12

2012

408,836
490,604

514,342
637,785

437,191
542,117

429,176
515,011

394,565
489,261

428,103
513,724

447,437
554,821

6,539,838

27,184
27,184

34,199
35,339

29,069
30,038

28,536
28,536

26,235
27,109

28,465
28,465

29,750
30,742

366,978

197,209
197,209

190,847
197,209

190,847
197,209

197,209
197,209

190,847
197,209

197,209
197,209

190,847
197,209

2,366,507

76,937
115,406

85,553
132,608

78,340
121,426

78,839
118,258

74,354
115,249

78,739
118,108

79,298
122,911

1,467,923

88,019
88,019

127,069
131,304

99,866
103,195

95,242
95,242

84,859
87,688

94,896
94,896

103,544
106,995

1,247,807

Jun-12

Jul-12

Aug-12

Sep-12

Oct-12

Nov-12

Dec-12

2012

1,378,395
942,374
408,836
27,184

1,522,644
974,103
514,342
34,199

1,534,796
1,068,536
437,191
29,069

1,567,617
1,109,905
429,176
28,536

1,561,784
1,140,985
394,565
26,235

1,612,360
1,155,792
428,103
28,465

1,669,193
1,192,006
447,437
29,750

1,669,193
1,192,006
447,437
29,750

7,231,500

7,217,917

7,204,167

7,190,250

7,176,167

7,161,917

7,147,500

7,147,500

1,900,000
3,560,000
1,800,000
40,000
273,000
240,000

1,900,000
3,560,000
1,800,000
40,000
273,000
260,000

1,900,000
3,560,000
1,800,000
40,000
273,000
280,000

1,900,000
3,560,000
1,800,000
40,000
273,000
300,000

1,900,000
3,560,000
1,800,000
40,000
273,000
320,000

1,900,000
3,560,000
1,800,000
40,000
273,000
340,000

1,900,000
3,560,000
1,800,000
40,000
273,000
360,000

1,900,000
3,560,000
1,800,000
40,000
273,000
360,000

(483,600)
(81,900)
(16,000)

(510,467)
(86,450)
(18,167)

(537,333)
(91,000)
(20,500)

(564,200)
(95,550)
(23,000)

(591,067)
(100,100)
(25,667)

(617,933)
(104,650)
(28,500)

(644,800)
(109,200)
(31,500)

(644,800)
(109,200)
(31,500)

8,609,895

8,740,561

8,738,963

8,757,867

8,737,951

8,774,277

8,816,693

8,816,693

Jun-11

Jul-11

Aug-11

Sep-11

Oct-11

Nov-11

Dec-11

362,165
197,209
76,937
88,019

403,469
190,847
85,553
127,069

369,053
190,847
78,340
99,866

371,290
197,209
78,839
95,242

350,060
190,847
74,354
84,859

370,844
197,209
78,739
94,896

373,689
190,847
79,298
103,544

373,689
190,847
79,298
103,544

2,030,635

1,989,100

1,947,316

1,905,282

1,862,995

1,820,455

1,777,659

1,777,659

2,030,635

1,989,100

1,947,316

1,905,282

1,862,995

1,820,455

1,777,659

1,777,659

Jun-11

Jul-11

Aug-11

Sep-11

Oct-11

Nov-11

Dec-11

5,000,000
1,217,095

5,000,000
1,347,991

5,000,000
1,422,594

5,000,000
1,481,295

5,000,000
1,524,896

5,000,000
1,582,978

5,000,000
1,665,345

5,000,000
1,665,345

8,609,895

8,740,561

8,738,963

8,757,867

8,737,951

8,774,277

8,816,693

8,816,693

Jun-11

Jul-11

Aug-11

Sep-11

Oct-11

Nov-11

Dec-11

436,020
362,165
73,855
(2,640)

548,541
403,469
145,072
71,217

466,260
369,053
97,207
(47,865)

457,712
371,290
86,422
(10,785)

420,800
350,060
70,739
(15,683)

456,568
370,844
85,724
14,985

477,187
373,689
103,498
17,774

2011

2011

2011
477,187
373,689
103,498
10,648

18,891

31,728

94,433

41,369

31,080

14,808

36,214

Amortizao - Tabela PRICE

Valor Financiado
Juros

2,700,000
0.60%

Perodo

60

Ms
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35

a.m.
meses

Saldo Devedor Prestao

Amortizao
Juros
2,700,000.00
2,662,481.62
53,718.38
37,518.38
16,200.00
2,624,738.14
53,718.38
37,743.49
15,974.89
2,586,768.19
53,718.38
37,969.95
15,748.43
2,548,570.42
53,718.38
38,197.77
15,520.61
2,510,143.47
53,718.38
38,426.95
15,291.42
2,471,485.96
53,718.38
38,657.52
15,060.86
2,432,596.49
53,718.38
38,889.46
14,828.92
2,393,473.70
53,718.38
39,122.80
14,595.58
2,354,116.16
53,718.38
39,357.53
14,360.84
2,314,522.48
53,718.38
39,593.68
14,124.70
2,274,691.24
53,718.38
39,831.24
13,887.13
2,234,621.02
53,718.38
40,070.23
13,648.15
2,194,310.37
53,718.38
40,310.65
13,407.73
2,153,757.85
53,718.38
40,552.51
13,165.86
2,112,962.02
53,718.38
40,795.83
12,922.55
2,071,921.42
53,718.38
41,040.60
12,677.77
2,030,634.57
53,718.38
41,286.85
12,431.53
1,989,100.00
53,718.38
41,534.57
12,183.81
1,947,316.23
53,718.38
41,783.78
11,934.60
1,905,281.75
53,718.38
42,034.48
11,683.90
1,862,995.06
53,718.38
42,286.69
11,431.69
1,820,454.66
53,718.38
42,540.41
11,177.97
1,777,659.01
53,718.38
42,795.65
10,922.73
1,734,606.59
53,718.38
43,052.42
10,665.95
1,691,295.85
53,718.38
43,310.74
10,407.64
1,647,725.25
53,718.38
43,570.60
10,147.78
1,603,893.22
53,718.38
43,832.02
9,886.35
1,559,798.21
53,718.38
44,095.02
9,623.36
1,515,438.62
53,718.38
44,359.59
9,358.79
1,470,812.88
53,718.38
44,625.74
9,092.63
1,425,919.38
53,718.38
44,893.50
8,824.88
1,380,756.52
53,718.38
45,162.86
8,555.52
1,335,322.68
53,718.38
45,433.84
8,284.54
1,289,616.24
53,718.38
45,706.44
8,011.94
1,243,635.56
53,718.38
45,980.68
7,737.70

36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72

1,197,379.00
1,150,844.90
1,104,031.59
1,056,937.41
1,009,560.65
961,899.64
913,952.66
865,718.00
817,193.94
768,378.72
719,270.62
669,867.87
620,168.70
570,171.33
519,873.99
469,274.85
418,372.13
367,163.98
315,648.59
263,824.11
211,688.68
159,240.43
106,477.50
53,397.99
0.00
-

53,718.38
53,718.38
53,718.38
53,718.38
53,718.38
53,718.38
53,718.38
53,718.38
53,718.38
53,718.38
53,718.38
53,718.38
53,718.38
53,718.38
53,718.38
53,718.38
53,718.38
53,718.38
53,718.38
53,718.38
53,718.38
53,718.38
53,718.38
53,718.38
53,718.38
-

46,256.56
46,534.10
46,813.31
47,094.19
47,376.75
47,661.01
47,946.98
48,234.66
48,524.07
48,815.21
49,108.10
49,402.75
49,699.17
49,997.36
50,297.35
50,599.13
50,902.73
51,208.14
51,515.39
51,824.48
52,135.43
52,448.24
52,762.93
53,079.51
53,397.99
-

7,461.81
7,184.27
6,905.07
6,624.19
6,341.62
6,057.36
5,771.40
5,483.72
5,194.31
4,903.16
4,610.27
4,315.62
4,019.21
3,721.01
3,421.03
3,119.24
2,815.65
2,510.23
2,202.98
1,893.89
1,582.94
1,270.13
955.44
638.86
320.39
-

Ms
Saldo Devedor
Prestao
Amortizao
Juros

0
2,700,000
-

1
2,662,482
53,718
37,518
16,200

2
2,624,738
53,718
37,743
15,975

3
2,586,768
53,718
37,970
15,748

4
2,548,570
53,718
38,198
15,521

5
2,510,143
53,718
38,427
15,291

6
2,471,486
53,718
38,658
15,061

7
2,432,596
53,718
38,889
14,829

8
2,393,474
53,718
39,123
14,596

9
2,354,116
53,718
39,358
14,361

10
2,314,522
53,718
39,594
14,125

11
2,274,691
53,718
39,831
13,887

12
2,234,621
53,718
40,070
13,648

13
2,194,310
53,718
40,311
13,408

14
2,153,758
53,718
40,553
13,166

15
2,112,962
53,718
40,796
12,923

16
2,071,921
53,718
41,041
12,678

17
2,030,635
53,718
41,287
12,432

18
1,989,100
53,718
41,535
12,184

19
1,947,316
53,718
41,784
11,935

20
1,905,282
53,718
42,034
11,684

21
1,862,995
53,718
42,287
11,432

22
1,820,455
53,718
42,540
11,178

23
1,777,659
53,718
42,796
10,923

24
1,734,607
53,718
43,052
10,666

25
1,691,296
53,718
43,311
10,408

26
1,647,725
53,718
43,571
10,148

27
1,603,893
53,718
43,832
9,886

28
1,559,798
53,718
44,095
9,623

29
1,515,439
53,718
44,360
9,359

30
1,470,813
53,718
44,626
9,093

31
1,425,919
53,718
44,893
8,825

32
1,380,757
53,718
45,163
8,556

33
1,335,323
53,718
45,434
8,285

34
1,289,616
53,718
45,706
8,012

35
1,243,636
53,718
45,981
7,738

36
1,197,379
53,718
46,257
7,462

37
1,150,845
53,718
46,534
7,184

38
1,104,032
53,718
46,813
6,905

39
1,056,937
53,718
47,094
6,624

40
1,009,561
53,718
47,377
6,342

41
961,900
53,718
47,661
6,057

42
913,953
53,718
47,947
5,771

43
865,718
53,718
48,235
5,484

44
817,194
53,718
48,524
5,194

45
768,379
53,718
48,815
4,903

46
719,271
53,718
49,108
4,610

47
669,868
53,718
49,403
4,316

48
49
50
51
620,169 570,171 519,874 469,275
53,718
53,718
53,718
53,718
49,699
49,997
50,297
50,599
4,019
3,721
3,421
3,119

52
53
54
55
56
57
58
59
60
418,372 367,164 315,649 263,824 211,689 159,240 106,477 53,398
0
53,718
53,718
53,718
53,718
53,718
53,718
53,718 53,718 53,718
50,903
51,208
51,515
51,824
52,135
52,448
52,763 53,080 53,398
2,816
2,510
2,203
1,894
1,583
1,270
955
639
320

61
-

62
-

63
-

64
-

65
-

66
-

67
-

68
-

69
-

70
-

71
-

72
-