Professional Documents
Culture Documents
1200
400
288
576
288
rea de Habitao =
rea de Comrio =
rea de Escritrios =
rea de Garagens =
864
288
0
400
Custos:
Infraestruturas:
Infraestruturas =
8.00 /m2 de terreno envolvente
Total para Infraestruturas =
9,600.00
% incio construo =
65.00%
% final construo =
Custo Construo:
Para Habitao =
Para Comrcio =
Para Escritrios =
Para Garagens =
700.00
450.00
550.00
300.00
/m2 de Construo
/m2 de Construo
/m2 de Construo
/m2 de Construo
854,400.00
Encargos Indirectos:
Valor mdio =
5% dos custos de construo
Total para Custos Indirectos =
42,720.00
Total para Custos Construo =
897,120.00
Taxas Camarrias:
Valor mdio =
Projectos:
Valor mdio =
Prazo de Construo:
Incio da construo aps compra =
Durao da construo (meses) =
Vendas:
3
21
N. Apart.
4
1
2
Tipo
T3
T5
Lojas
Valor Unit.
300,000.00
500,000.00
190,000.00
Total para Habitao =
Total para Comrio =
Total para Escritrios =
Total para Vendas =
Total
1,200,000.00
500,000.00
380,000.00
1,700,000.00
380,000.00
0.00
2,080,000.00
10%
Prazo de Vendas:
Incio da comercializao =
Prazo para a concluso das vendas =
Vendas - Autofinanciamento
%comercializao com a obra concluida:
% sinais com a obra concluida:
Coeficiente de Autofinanciamento =
Total do Autofinanciamento =
% vendas para habitao =
% vendas para comrcio =
% vendas para escritrios =
14.42%
20.00%
2.88%
60,000.00
3.53%
0.00%
0.00%
Valores Financeiros:
Capital Prprio a Investir:
Valor Terreno
7.00%
4.20%
3.10%
7.86%
4.20%
1.70%
5.90%
Impostos Considerados:
I.M.T. =
6.50%
m2
m2
m2
m2
m2
m2
m2
m2
m2
35.00%
meses
meses
(equivalente a
a 1T3)
(excepto para
compra do terreno)
15,251.04
9,600.00
897,120.00
44,856.00
VENDAS:
Taxa de Capitalizao Cp =
7.86% ANUAL
Taxa de inflao =
3.10% ANUAL
5.90% ANUAL
I.M.T. =
6.50%
Pelo Mtodo dos Custos SEM Capitalizao dos Capitais Investidos na Compra do Terreno
FLUXOS DE PROJECTO:
Faseamento - Construo
.Taxas
. Infraestruturas
. Construo
. Projectos
Custos da Construo
. Taxas
. Infraestruturas
. Construo
. Gesto e Projecto
14,792.47
9,311.35
857,063.77
43,507.27
Total dos custos :
924,674.86
15,251.04
9,600.00
448,560.00
44,856.00
518,267.04
0.00
0.00
448,560.00
0.00
0.00
0.00
0.00
0.00
CONTROL
SOMA
TOTAL
100.00%
100.00%
100.00%
100.00%
0.00
0.00
0.00
0.00
448,560.00
0.00
0.00
20.00%
50.00%
60.00%
50.00%
20.00%
0.00
0.00
0.00
0.00
0.00
15,251.04
9,600.00
897,120.00
44,856.00
966,827.04
Faseamento - Receitas
Habitaes
Comrio
Escritrios
Receitas
Habitaes
. Custos de Comercializao
. Margem de promoo, gesto e Fiscalizao
1,551,507.50
-46,545.23
-155,150.75
0.00
0.00
0.00
340,000.00
-10,200.00
-34,000.00
1,020,000.00
-30,600.00
-102,000.00
340,000.00
-10,200.00
-34,000.00
0.00
0.00
0.00
1,700,000.00
-51,000.00
-170,000.00
Comrios
. Custos de Comercializao
. Margem de promoo, gesto e Fiscalizao
352,117.43
-10,563.52
-35,211.74
0.00
0.00
0.00
190,000.00
-5,700.00
-19,000.00
190,000.00
-5,700.00
-19,000.00
0.00
0.00
0.00
0.00
0.00
0.00
380,000.00
-11,400.00
-38,000.00
Escritrios
. Custos de Comercializao
. Margem de promoo, gesto e Fiscalizao
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
1,656,153.69
0.00
461,100.00
1,052,700.00
295,800.00
0.00
1,809,600.00
(VAL)
731,478.83
-518,267.04
12,540.00
1,052,700.00
295,800.00
0.00
842,772.96
673,839.53
0.00
-518,267.04
-30,577.76
-536,304.80
-31,641.98
484,753.22
0.00
780,553.22
0.00
780,553.22
-62,219.74
991,287.83
FLUXOS DO PROJECTO
A - CAPITAL ALHEIO
Juros do periodo
Dvida final do ano
B - CAPITAL PRPRIO (Compra terreno)
Custos de transaco - IMT (6,5%)
-57,639.30
41,126.36
632,713.17
100.00%
100.00%
0.00%
15,251.04
9,600.00
897,120.00
44,856.00
VENDAS:
Taxa de Capitalizao Cp =
7.86% ANUAL
Taxa de inflao =
3.10% ANUAL
5.90% ANUAL
I.M.T. =
6.50%
FLUXOS DO PROJECTO:
Faseamento - Construo
.Taxas
. Infraestruturas
. Construo
. Projectos
Custos da Construo
. Taxas
. Infraestruturas
. Construo
. Gesto e Projecto
-14,792.47
-9,311.35
-857,063.77
-43,507.27
Total dos custos :
Faseamento - Receitas
Habitaes
Comrio
Escritrios
Receitas
Habitaes
. Custos de Comercializao
. Margem de promoo, gesto e Fiscalizao
DURAO DO EMPREENDIM
1
100.00%
100.00%
50.00%
100.00%
-15,251.04
-9,600.00
-448,560.00
-44,856.00
-924,674.86 -518,267.04
Valores
Actualizados:
0.00%
0.00%
0.00%
1,551,507.50
-46,545.23
-155,150.75
0.00
0.00
0.00
Comrios
. Custos de Comercializao
. Margem de promoo, gesto e Fiscalizao
352,117.43
-10,563.52
-35,211.74
0.00
0.00
0.00
Escritrios
. Custos de Comercializao
. Margem de promoo, gesto e Fiscalizao
0.00
0.00
0.00
0.00
0.00
0.00
1,656,153.69
0.00
Juros do periodo
CASH FLOWS
VAL =
-32,946.27
0.00
0.00
-518,267.04
677,529.15
-119,504.38
-34,057.85
523,966.92
-39,974.22
-717,503.37
clui LUCRO)
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
5
0.00%
0.00%
0.00%
0.00%
0.00
0.00
0.00
0.00
SOMA
TOTAL
100.00%
100.00%
100.00%
100.00%
-15,251.04
-9,600.00
-897,120.00
-44,856.00
-448,560.00
0.00
0.00
0.00
-966,827.04
20.00%
50.00%
0.00%
60.00%
50.00%
0.00%
20.00%
0.00%
0.00%
0.00%
0.00%
0.00%
100.00%
100.00%
0.00%
340,000.00
-10,200.00
-34,000.00
1,020,000.00
-30,600.00
-102,000.00
340,000.00
-10,200.00
-34,000.00
0.00
0.00
0.00
1,700,000.00
-51,000.00
-170,000.00
190,000.00
-5,700.00
-19,000.00
190,000.00
-5,700.00
-19,000.00
0.00
0.00
0.00
0.00
0.00
0.00
380,000.00
-11,400.00
-38,000.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
461,100.00
1,052,700.00
295,800.00
0.00
1,809,600.00
-33,687.36
-1,374.58
0.00
0.00
-35,061.94
-21,147.36
1,051,325.42
295,800.00
0.00
807,711.02
0.00
0.00
0.00
0.00
-127,137.25
-42,332.70
-759,836.07
-44,830.33
291,489.35
9,600.00
897,120.00
15,251.04
44,856.00
8,971.20
No inio obra =
65.0%
Iniio da Construo =
Durao da Construo =
Total =
CAPITAIS:
CAPITAIS PRPRIOS (Cp) =
Coeficiente autofinanciamento =
Para Habitao =
No final obra =
35.0%
1.00 trimestres aps compra terreno
7 trimestres
975,798.24
Inio da comercializao =
Prazo para a concluso das vendas =
Total =
2,080,000.00
3.63% do valor das vendas
10.00% do valor das vendas (inclui LUCRO)
TAXAS DE JURO:
Prmio/risco =
7.00% ANUAL
1.71% TRIMESTRAL
4.20% ANUAL
1.03% TRIMESTRAL
Taxa de Inflao =
3.10% ANUAL
0.77% TRIMESTRAL
7.86% ANUAL
1.91% TRIMESTRAL
5.90% ANUAL
1.44% TRIMESTRAL
100.00% da INFLAO =
0.77% TRIMESTRAL
60.00% da INFLAO =
0.46% TRIMESTRAL
I.M.T. =
6.50%
ANLISE ECONMICA:
Faseamento - Construo
.Taxas
. Infraestruturas
. Construo
. Projectos
3
0.00%
0.00%
6.21%
14.60%
0.00%
4
0.00%
0.00%
13.28%
27.87%
0.00%
5
0.00%
0.00%
20.71%
48.58%
0.00%
6
0.00%
0.00%
20.52%
69.10%
0.00%
7
0.00%
0.00%
22.10%
91.20%
0.00%
8
30.00%
35.00%
8.80%
100.00%
0.00%
Custos da Construo
Taxa de Actualizao =
60.00% da Inflao =
. Taxas
Total actualizado para TAXAS =
100.00%
99.54%
99.09%
98.63%
98.18%
97.73%
97.29%
96.84%
96.40%
0.00
Actualizao =
-10,675.73
-10,626.88
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-4,575.31
-4,410.48
-6,240.00
-6,211.45
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-3,360.00
-3,238.95
-46,966.87
-46,751.96
-28,241.64
-27,983.78
-55,735.89
-54,974.26
-119,120.83
-116,955.43
-185,764.78
-181,553.33
-184,053.52
-179,057.75
-198,302.86
-192,037.55
-78,933.59
-76,089.93
-1,121.40
-1,116.27
-1,121.40
-1,111.16
-1,121.40
-1,106.08
-1,121.40
-1,101.01
-1,121.40
-1,095.98
-1,121.40
-1,090.96
-1,121.40
-1,085.97
-1,121.40
-1,081.00
-15,037.36
0.00
Actualizao =
. Infraestruturas
Total actualizado INFRAESTRUTURAS =
-9,450.40
0.00
Actualizao =
. Custos da Construo
Total actualizado para CONSTRUO =
. Fiscalizao e acompanhamento da obra
-875,403.99
-8,788.43
0.00
Actualizao =
0.00
Actualizao =
. Projecto
Total actualizado para PROJECTO =
TOTAL CUSTOS :
Total dos custos actualizados:
Faseamento - Receitas/Proveitos
Habitaes
Nota: Retirou-se a percentagem do
Comrio
AUTOFINANCIAMENTO pelas
Escritrios
vendas antecipadas
PROVEITOS
Taxa de Actualizao =
-44,856.00
-44,650.74
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-44,650.74
0.00
-109,860.00
-29,363.04
-56,857.29
-120,242.23
-186,886.18
-185,174.92
-199,424.26
-87,990.31
1
0.00%
0.00%
0.00%
2
0.00%
0.00%
0.00%
3
0.00%
0.00%
0.00%
4
0.00%
0.00%
0.00%
5
0.00%
0.00%
0.00%
6
0.00%
0.00%
0.00%
7
0.00%
0.00%
0.00%
8
16.08%
16.67%
16.67%
-953,330.92
0
0.00%
0.00%
0.00%
100.00% da Inflao =
100.00%
99.24%
98.49%
97.74%
96.99%
96.26%
95.52%
94.80%
94.08%
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
273,333.33
63,333.33
0.00
336,666.67
-12,221.00
-33,666.67
TOTAL PROVEITOS :
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
290,779.00
Actualizao =
0.00
0.00
0.00
0.00
0.00
0.00
0.00
273,555.66
3,141.18
1,888.82
3,727.65
7,966.88
12,424.08
12,309.63
13,262.63
5,279.13
-106,718.82
-27,474.22
-53,129.63
-112,275.35
-174,462.11
-172,865.30
833,087.07 SEM CONSIDERAR JUROS (teria capitalizar e depois actualizar mas, usando a mesma taxa, anular-se-iam)
-186,161.63
208,067.83
Habitaes
Comrios
Escritrios
1,610,449.78
VAL =
Para Taxa Actualizao = Taxa Capitalizao C.P.=
VAL =
Determinao da TIR (para VAL = 0) =>
TIR =
TIRANUAL =
0.00
0.00
0.77% TRIMESTRAL
723,766.52
1.91% TRIMESTRAL
587,347.19
12.382% TRIMESTRAL
49.618% ANUAL
ANLISE FINANCEIRA:
0.00
-106,718.82
-134,193.05
-187,322.68
-299,598.03
-474,060.14
-646,925.43
-833,087.07
-625,019.24
-1,540.43
-1,528.72
-1,959.24
-1,929.56
-2,732.18
-2,670.33
-4,363.97
-4,232.76
-6,905.79
-6,647.22
-9,437.70
-9,015.25
-12,161.38
-11,528.70
-9,197.35
-8,652.58
0.00
672,285.62
0.00
0.00
672,285.62
0.00
0.00
672,285.62
0.00
0.00
672,285.62
0.00
0.00
672,285.62
0.00
0.00
672,285.62
0.00
Juros C. P. =
-41,031.52
631,254.11
0.00
672,285.62
0.00
0.00
672,285.62
0.00
9
0.00%
0.00%
0.00%
100.00%
0.00%
10
0.00%
0.00%
0.00%
100.00%
0.00%
11
0.00%
0.00%
0.00%
100.00%
0.00%
12
0.00%
0.00%
0.00%
100.00%
0.00%
13
0.00%
0.00%
0.00%
100.00%
0.00%
14
0.00%
0.00%
0.00%
100.00%
0.00%
15
0.00%
0.00%
0.00%
100.00%
0.00%
16
0.00%
0.00%
0.00%
100.00%
0.00%
SOMA
TOTAL
100.00%
100.00%
100.00%
100.00%
95.96%
95.52%
95.08%
94.65%
94.21%
93.78%
93.35%
92.92%
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-15,251.04
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-9,600.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-897,120.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-8,971.20
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-44,856.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-975,798.24
9
16.08%
16.67%
16.67%
10
16.08%
16.67%
16.67%
11
16.08%
16.67%
16.67%
12
16.08%
16.67%
16.67%
13
16.08%
16.67%
16.67%
14
0.00%
0.00%
0.00%
15
0.00%
0.00%
0.00%
16
0.00%
0.00%
0.00%
96.47%
100.00%
100.00%
93.36%
92.65%
91.95%
91.25%
90.55%
89.87%
89.18%
88.50%
273,333.33
63,333.33
0.00
336,666.67
-12,221.00
-33,666.67
273,333.33
63,333.33
0.00
336,666.67
-12,221.00
-33,666.67
273,333.33
63,333.33
0.00
336,666.67
-12,221.00
-33,666.67
273,333.33
63,333.33
0.00
336,666.67
-12,221.00
-33,666.67
273,333.33
63,333.33
0.00
336,666.67
-12,221.00
-33,666.67
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
290,779.00
290,779.00
290,779.00
290,779.00
290,779.00
0.00
0.00
0.00 1,744,674.00
271,475.75
269,411.65
267,363.25
265,330.42
263,313.05
0.00
0.00
0.00
1,610,449.78
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
60,000.00
290,779.00
290,779.00
290,779.00
290,779.00
290,779.00
0.00
0.00
0.00
828,875.76
1,640,000.00
380,000.00
0.00
2,020,000.00
-73,326.00
-202,000.00
0.00
-334,240.24
-43,461.24
247,317.76
538,096.76
828,875.76
828,875.76
828,875.76
828,875.76
416,291.63
-4,957.33
-4,628.24
-698.90
-647.54
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-53,954.27
0.00
672,285.62
0.00
0.00
672,285.62
0.00
0.00
424,967.86
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
9,600.00
897,120.00
15,251.04
44,856.00
8,971.20
No inio obra =
65.0%
Iniio da Construo =
Durao da Construo =
CAPITAIS:
CAPITAIS PRPRIOS (Cp) =
Coeficiente autofinanciamento =
Para Habitao =
Total =
No final obra =
35.0%
1.00 trimestres aps compra terreno
7 trimestres
975,798.24
Inio da comercializao =
Prazo para a concluso das vendas =
Total =
2,080,000.00
3.63% do valor das vendas
10.00% do valor das vendas (inclui LUCRO)
TAXAS DE JURO:
Prmio/risco =
7.00% ANUAL
1.71% TRIMESTRAL
4.20% ANUAL
1.03% TRIMESTRAL
Taxa de Inflao =
3.10% ANUAL
0.77% TRIMESTRAL
7.86% ANUAL
1.91% TRIMESTRAL
5.90% ANUAL
1.44% TRIMESTRAL
100.00% da INFLAO =
0.77% TRIMESTRAL
60.00% da INFLAO =
0.46% TRIMESTRAL
I.M.T. =
6.50%
6
5
9,600.00
897,120.00
15,251.04
44,856.00
8,971.20
No incio obra =
65.0%
Iniio da Construo =
Durao da Construo =
Total =
No final obra =
35.0%
1.00 trimestres aps compra terreno
7 trimestres
975,798.24
Inio da comercializao =
Prazo para a concluso das vendas =
Total =
2,080,000.00
3.63% do valor das vendas
0.00% do valor das vendas (estar englobada na TIR)
6
5
CAPITAIS:
Custo Lquido do Terreno =
CAPITAIS PRPRIOS (Cp) =
Coeficiente autofinanciamento =
Para Habitao =
0.00%
0.00%
TAXAS DE JURO:
Prmio/risco =
7.00% ANUAL
1.71% TRIMESTRAL
4.20% ANUAL
1.03% TRIMESTRAL
Taxa de Inflao =
3.10% ANUAL
0.77% TRIMESTRAL
7.86% ANUAL
1.91% TRIMESTRAL
5.90% ANUAL
1.44% TRIMESTRAL
100.00% da INFLAO =
0.77% TRIMESTRAL
60.00% da INFLAO =
0.46% TRIMESTRAL
I.M.T. =
6.50%
ANLISE ECONMICA:
Faseamento - Construo
.Taxas
. Infraestruturas
. Construo
. Projectos
3
0.00%
0.00%
6.21%
14.60%
0.00%
Custos da Construo
Taxa de Actualizao =
60.00% da Inflao =
. Taxas
Total actualizado para TAXAS =
100.00%
99.54%
99.09%
98.63%
0.00
Actualizao =
-10,675.73
-10,626.88
0.00
0.00
0.00
0.00
-6,240.00
-6,211.45
0.00
0.00
0.00
0.00
-46,966.87
-46,751.96
-28,241.64
-27,983.78
-55,735.89
-54,974.26
-1,121.40
-1,116.27
-1,121.40
-1,111.16
-1,121.40
-1,106.08
-44,856.00
-44,650.74
0.00
0.00
0.00
0.00
-15,037.36
0.00
Actualizao =
. Infraestruturas
Total actualizado INFRAESTRUTURAS =
-9,450.40
0.00
Actualizao =
. Custos da Construo
Total actualizado para CONSTRUO =
. Fiscalizao e acompanhamento da obra
-875,403.99
-8,788.43
0.00
Actualizao =
0.00
Actualizao =
. Projecto
Total actualizado para PROJECTO =
-44,650.74
-631,254.11
-41,031.52
Custos do Terreno:
TOTAL CUSTOS :
-672,285.62
-1,625,616.54
Faseamento - Receitas/Proveitos
Habitaes
Nota: Retirou-se a percentagem do
Comrio
AUTOFINANCIAMENTO pelas
Escritrios
vendas antecipadas
PROVEITOS
Taxa de Actualizao =
100.00% da Inflao =
Habitaes
Comrios
Escritrios
Total das Vendas:
. Custos de Comercializao
. Margem de Lucro sobre as Vendas
TOTAL PROVEITOS :
Total das PROVEITOS actualizados:
0
0.00%
0.00%
0.00%
-109,860.00
-29,363.04
-56,857.29
1
0.00%
0.00%
0.00%
2
0.00%
0.00%
0.00%
3
0.00%
0.00%
0.00%
100.00%
99.24%
98.49%
97.74%
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Actualizao =
0.00
0.00
0.00
1,796,909.17
VAL =
Para Taxa Actualizao = Taxa Capitalizao C.P.=
VAL =
Determinao da TIR para VAL = 0 =>
TIR =
TIRANUAL =
0.00
3,141.18
1,888.82
3,727.65
-672,285.62
-106,718.82
-27,474.22
-53,129.63
241,634.14
1.91% TRIMESTRAL
90,262.78
2.696% TRIMESTRAL
10.790% ANUAL
ANLISE FINANCEIRA:
CASH FLOWS ACUMULADOS =
-672,285.62
-779,004.45
-806,478.67
-859,608.30
12,832.34
-685,117.96
12,734.77
13,077.28
-698,195.24
12,879.18
13,326.89
-711,522.14
13,025.22
-1,540.43
-1,528.72
-1,959.24
-1,929.56
-2,732.18
-2,670.33
-672,285.62
-121,091.59
-42,510.74
-69,188.71
-672,285.62
-793,377.21
-835,887.95
-905,076.66
-672,285.62
Juros C. P. =
0.00
Capital em dvida =
VAL =
Para Taxa Actualizao = Taxa Capitalizao C.P.=
VAL =
Determinao da TIR (para VAL = 0) =>
TIR =
TIRANUAL =
31,067.72
1.91% TRIMESTRAL
-103,377.15
1.013% TRIMESTRAL
4.051% ANUAL
3.077%
IR =
0.00
0.00
-835,887.95
-905,076.66
0.983
PAYBACK =
equivalente a =
+
+
-672,285.62
-793,377.21
13.0 trimestres
12.582 Trimestres
3 anos
1 meses
22 dias
4
0.00%
0.00%
13.28%
27.87%
0.00%
5
0.00%
0.00%
20.71%
48.58%
0.00%
6
0.00%
0.00%
20.52%
69.10%
0.00%
7
0.00%
0.00%
22.10%
91.20%
0.00%
8
30.00%
35.00%
8.80%
100.00%
0.00%
9
0.00%
0.00%
0.00%
100.00%
0.00%
10
0.00%
0.00%
0.00%
100.00%
0.00%
11
0.00%
0.00%
0.00%
100.00%
0.00%
98.18%
97.73%
97.29%
96.84%
96.40%
95.96%
95.52%
95.08%
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-4,575.31
-4,410.48
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-3,360.00
-3,238.95
0.00
0.00
0.00
0.00
0.00
0.00
-119,120.83
-116,955.43
-185,764.78
-181,553.33
-184,053.52
-179,057.75
-198,302.86
-192,037.55
-78,933.59
-76,089.93
0.00
0.00
0.00
0.00
0.00
0.00
-1,121.40
-1,101.01
-1,121.40
-1,095.98
-1,121.40
-1,090.96
-1,121.40
-1,085.97
-1,121.40
-1,081.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-120,242.23
-186,886.18
-185,174.92
-199,424.26
-87,990.31
0.00
0.00
0.00
4
0.00%
0.00%
0.00%
5
0.00%
0.00%
0.00%
6
0.00%
0.00%
0.00%
7
0.00%
0.00%
0.00%
8
16.08%
16.67%
16.67%
9
16.08%
16.67%
16.67%
10
16.08%
16.67%
16.67%
11
16.08%
16.67%
16.67%
96.99%
96.26%
95.52%
94.80%
94.08%
93.36%
92.65%
91.95%
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
273,333.33
63,333.33
0.00
336,666.67
-12,221.00
0.00
273,333.33
63,333.33
0.00
336,666.67
-12,221.00
0.00
273,333.33
63,333.33
0.00
336,666.67
-12,221.00
0.00
273,333.33
63,333.33
0.00
336,666.67
-12,221.00
0.00
0.00
0.00
0.00
0.00
324,445.67
324,445.67
324,445.67
324,445.67
0.00
0.00
0.00
0.00
305,228.19
302,907.47
300,604.39
298,318.82
7,966.88
12,424.08
12,309.63
13,262.63
5,279.13
0.00
0.00
0.00
-112,275.35
-174,462.11
-172,865.30
-186,161.63
241,734.49
324,445.67
324,445.67
324,445.67
-971,883.65
-1,146,345.76
-1,319,211.06
-1,505,372.69
-1,263,638.20
-939,192.53
-614,746.86
-290,301.20
13,581.27
-725,103.41
13,172.91
13,840.51
-738,943.91
13,322.28
14,104.69
-753,048.60
13,473.35
14,373.91
-767,422.52
13,626.13
14,648.28
-782,070.79
13,780.64
14,927.88
-796,998.67
13,936.90
15,212.82
-812,211.49
14,094.93
15,503.19
-827,714.68
14,254.76
-4,363.97
-4,232.76
-6,905.79
-6,647.22
-9,437.70
-9,015.25
-12,161.38
-11,528.70
-8,711.39
-8,195.40
-3,978.40
-3,714.29
0.00
0.00
0.00
0.00
-130,220.59
-195,208.40
-196,407.68
-212,696.93
218,374.82
305,539.39
309,232.85
308,942.47
-1,035,297.25
-1,230,505.66
-1,426,913.34
-1,639,610.27
-1,421,235.45
-1,115,696.06
-806,463.21
-497,520.73
0.00
0.00
0.00
0.00
226,869.39
315,011.11
316,395.01
313,694.53
-1,035,297.25
-1,230,505.66
-1,426,913.34
-1,639,610.27
-1,421,235.45
-1,115,696.06
-806,463.21
-497,520.73
12
0.00%
0.00%
0.00%
100.00%
0.00%
13
0.00%
0.00%
0.00%
100.00%
0.00%
14
0.00%
0.00%
0.00%
100.00%
0.00%
15
0.00%
0.00%
0.00%
100.00%
0.00%
16
0.00%
0.00%
0.00%
100.00%
0.00%
SOMA
TOTAL
100.00%
100.00%
100.00%
100.00%
94.65%
94.21%
93.78%
93.35%
92.92%
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-15,251.04
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-9,600.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-897,120.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-8,971.20
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-44,856.00
0.00
0.00
0.00
0.00
0.00
-1,648,083.86
12
16.08%
16.67%
16.67%
13
16.08%
16.67%
16.67%
14
0.00%
0.00%
0.00%
15
0.00%
0.00%
0.00%
16
0.00%
0.00%
0.00%
96.47%
100.00%
100.00%
91.25%
90.55%
89.87%
89.18%
88.50%
273,333.33
63,333.33
0.00
336,666.67
-12,221.00
0.00
273,333.33
63,333.33
0.00
336,666.67
-12,221.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
324,445.67
324,445.67
0.00
0.00
0.00 1,946,674.00
296,050.62
293,799.68
0.00
0.00
0.00
1,640,000.00
380,000.00
0.00
2,020,000.00
-73,326.00
0.00
1,796,909.17
0.00
0.00
0.00
0.00
0.00
60,000.00
324,445.67
324,445.67
0.00
0.00
0.00
358,590.14
34,144.47
358,590.14
358,590.14
358,590.14
358,590.14
15,799.11
0.00
14,416.40
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
171,228.17
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-51,790.48
308,646.55
324,445.67
0.00
0.00
0.00
-188,874.18
135,571.49
135,571.49
135,571.49
135,571.49
311,011.25
324,445.67
0.00
0.00
0.00
-188,874.18
135,571.49
135,571.49
135,571.49
135,571.49