Professional Documents
Culture Documents
19-Sep-12
BRENO DE CAMPOS
(31) 3227-4852
brenocampos@terra.com.br
Breno de Campos
CEIRA
do Excel
FLUXO DE
CAIXA
6
Perodos
Breno de Campos
7
dias
meses
anos
etc
SISTEMA DE CAPITALIZAO
SIMPLES
Taxa de Juro
Per.
10.0%
Taxa de Juro
Juro s/.
Capital
Inicial
Capital
0
1
2
3
4
5
100.00
100.00
110.00
120.00
130.00
140.00
119
120
1,280.00 +
1,290.00 +
+
+
+
+
+
10.00
10.00
10.00
10.00
10.00
SISTEMA DE CAPITALIZAO
COMPOSTA
Capital +
Juros Acum.
=
=
=
=
=
110.00
120.00
130.00
140.00
150.00
10.00 =
10.00 =
1,290.00
1,300.00
10%
Juro s/.
Capital
Capital
100.00
100.00
110.00
121.00
133.10
146.41
+
+
+
+
+
10.00
11.00
12.10
13.31
14.64
7,661,906.51 +
8,428,097.17 +
766,190.65
842,809.72
Breno de Campos
E CAPITALIZAO
OMPOSTA
Capital + Juros
Acum.
=
=
=
=
=
110.00
121.00
133.10
146.41
161.05
=
=
8,428,097.17
9,270,906.88
VALOR FUTURO
Capital
Prazo
Taxa de Juro
Montante
Funo VF
R$
1,000.00
3.0 meses
10.0% am
Sistema de Capitalizao
Composta
1,331.00
-1,331.00
PV
n
i
Simples
1,300.00
FV
VALOR FUTURO
Srie Uniforme
No. Prestaes
Taxa de Juro
100.00
$
360 meses
0.5% am
Montante
100,451.50
Funo VF
-100,451.50
PMT
n
i
FV
Breno de Campos
FUNCO VFPLANO
Capital
Taxas de Juro
Montante
1,000.00
10.0%
8.0%
7.0%
5.0%
4.0%
R$
am
am
am
am
am
1,388.11 R$
Montante
1,100.00
1,188.00
1,271.16
1,334.72
1,388.11
Breno de Campos
Valor30.0
Futuro
25.0
1
%
2
%
4
%
20.0
15.0
10.0
5.0
0.0
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 36 37 38 39 40 41 42 43 44 45 46 47 48
Perodos
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
1%
2%
4%
8%
1
1.01
1.02
1.03
1.04
1.05
1.06
1.07
1.08
1.09
1.10
1.12
1.13
1.14
1.15
1.16
1.17
1.18
1.20
1.21
1.22
1
1.02
1.04
1.06
1.08
1.10
1.13
1.15
1.17
1.20
1.22
1.24
1.27
1.29
1.32
1.35
1.37
1.40
1.43
1.46
1.49
1
1.04
1.08
1.12
1.17
1.22
1.27
1.32
1.37
1.42
1.48
1.54
1.60
1.67
1.73
1.80
1.87
1.95
2.03
2.11
2.19
1
1.08
1.17
1.26
1.36
1.47
1.59
1.71
1.85
2.00
2.16
2.33
2.52
2.72
2.94
3.17
3.43
3.70
4.00
4.32
4.66
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
1.23
1.24
1.26
1.27
1.28
1.30
1.31
1.32
1.33
1.35
1.36
1.37
1.39
1.40
1.42
1.43
1.45
1.46
1.47
1.49
1.50
1.52
1.53
1.55
1.56
1.58
1.60
1.61
1.52
1.55
1.58
1.61
1.64
1.67
1.71
1.74
1.78
1.81
1.85
1.88
1.92
1.96
2.00
2.04
2.08
2.12
2.16
2.21
2.25
2.30
2.34
2.39
2.44
2.49
2.54
2.59
2.28
2.37
2.46
2.56
2.67
2.77
2.88
3.00
3.12
3.24
3.37
3.51
3.65
3.79
3.95
4.10
4.27
4.44
4.62
4.80
4.99
5.19
5.40
5.62
5.84
6.07
6.32
6.57
5.03
5.44
5.87
6.34
6.85
7.40
7.99
8.63
9.32
10.06
10.87
11.74
12.68
13.69
14.79
15.97
17.25
18.63
20.12
21.72
23.46
25.34
27.37
29.56
31.92
34.47
37.23
40.21
Breno de Campos
1 42 43 44 45 46 47 48
1
%
2
%
4
%
VALOR FUTURO
Capital
Prazo
Taxa
R$
meses
am
100,000.00
4.50
10.0%
PV
n
i
Sistema de Capitalizao
Montante
Simples
145,000.00
Composta
153,556.10
FV (*)
Mista
153,730.50
FV (**)
Breno de Campos
desligado HP 12C
Montante
12,000 ($)
10,000
8,000
6,000
4,000
2,000
0
0
0.5
Perodo
600%
Simples
Composta
1000
1000
1200
1067.0135502558
1400
1138.5179164294
1600
1214.8140440391
1800
1296.2230460307
2000
1383.0875542685
2200
1475.7731615946
2400
1574.6699605252
2600
1680.194185061
2800
1792.789962521
10
3000
1912.9311827724
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
3200
3400
3600
3800
4000
4200
4400
4600
4800
5000
5200
5400
5600
5800
6000
6200
6400
6600
6800
7000
7200
7400
7600
7800
2041.1234927249
2177.9064244828
2323.8556661122
2479.5854845803
2645.7513110646
2823.0524995128
3012.2352700635
3214.095849716
3429.4838234678
3659.305710023
3904.5287771227
4166.1851125534
4445.3759679683
4743.2763938034
5061.1401847964
5400.3051569216
5762.1987779513
6148.3441753411
6560.366546725
7000
7469.0948517902
7969.6254150056
8503.6983082735
9073.5613222146
0.5
35
36
37
38
39
40
41
42
43
44
45
1.5
8000
8200
8400
8600
8800
9000
9200
9400
9600
9800
10000
9681.6128798794
10330.4121311619
11022.689723676
11761.359295427
12549.529737647
13390.5182794067
14287.8644490742
15245.3449713795
16266.9896627851
17357.0983920618
18520.2591774521
Breno de Campos
Composta
AO
Sim pl
es
1.5
Montante
Prazo
1,000,000.00 R$
30.0
Taxa
18.00%
Capital
Funo VP
6,974.93
FV
anos
aa
-6,974.93
PV
Prestaes
Prazo
Taxa
Capital
Funo VP
1,200,000,000.00 US$
40.0
10.00%
anos
aa
11,734,860,862.17
-11,734,860,862.17
PMT
PV
Anos
2
4
6
8
10
12
14
16
18
20
22
24
26
28
30
32
34
36
38
40
42
44
46
48
50
52
54
56
58
60
62
64
66
68
70
72
74
76
78
80
2,083
3,804
5,226
6,402
7,373
8,176
8,840
9,388
9,842
10,216
10,526
10,782
10,993
11,168
11,312
11,432
11,530
11,612
11,679
11,735
11,781
11,819
11,850
11,876
11,898
11,916
11,930
11,942
11,952
11,961
11,967
11,973
11,978
11,982
11,985
11,987
11,990
11,991
11,993
11,994
Breno de Campos
Montante
15.00%
Valor Presente
1,000.00
5.00%
Valor Presente
1,000.00
P1
100.00
P2
105.00
110.25
115.76
121.55
127.63
134.01
140.71
147.75
155.13
162.89
171.03
179.59
188.56
197.99
207.89
218.29
229.20
240.66
252.70
265.33
278.60
292.53
307.15
322.51
338.64
355.57
373.35
392.01
411.61
432.19
453.80
476.49
500.32
525.33
551.60
579.18
608.14
P3
P4
P5
P6
P7
P8
P9
P10
P11
P12
P13
P14
P15
P16
P17
P18
P19
P20
P21
P22
P23
P24
P25
P26
P27
P28
P29
P30
P31
P32
P33
P34
P35
P36
P37
P38
VP =
Perpetuidade Per. 1
Tx Desconto - Tx Crescimento
P3
P2
P1
###
P39
P40
P41
P42
P43
P44
P45
P46
P47
P48
P49
P50
P51
P52
P53
P54
P55
P56
P57
P58
P59
P60
P61
P62
P63
P64
P65
P66
P67
P68
P69
P70
P71
P72
P73
P74
P75
P76
P77
P78
P79
P80
P81
P82
P83
P84
P85
P86
P87
638.55
670.48
704.00
739.20
776.16
814.97
855.72
898.50
943.43
990.60
1,040.13
1,092.13
1,146.74
1,204.08
1,264.28
1,327.49
1,393.87
1,463.56
1,536.74
1,613.58
1,694.26
1,778.97
1,867.92
1,961.31
2,059.38
2,162.35
2,270.47
2,383.99
2,503.19
2,628.35
2,759.77
2,897.75
3,042.64
3,194.77
3,354.51
3,522.24
3,698.35
3,883.27
4,077.43
4,281.30
4,495.37
4,720.14
4,956.14
5,203.95
5,464.15
5,737.36
6,024.22
6,325.44
6,641.71
P88
P89
P90
P91
P92
P93
P94
P95
P96
P97
P98
P99
P100
P101
P102
P103
P104
P105
P106
P107
P108
P109
P110
P111
P112
P113
P114
P115
P116
P117
P118
P119
P120
P121
P122
P123
P124
P125
P126
P127
P128
P129
P130
P131
P132
P133
P134
P135
P136
6,973.79
7,322.48
7,688.61
8,073.04
8,476.69
8,900.52
9,345.55
9,812.83
10,303.47
10,818.64
11,359.57
11,927.55
12,523.93
13,150.13
13,807.63
14,498.01
15,222.91
15,984.06
16,783.26
17,622.43
18,503.55
19,428.72
20,400.16
21,420.17
22,491.18
23,615.74
24,796.52
26,036.35
27,338.17
28,705.08
30,140.33
31,647.35
33,229.71
34,891.20
36,635.76
38,467.55
40,390.92
42,410.47
44,530.99
46,757.54
49,095.42
51,550.19
54,127.70
56,834.09
59,675.79
62,659.58
65,792.56
69,082.19
72,536.30
P137
P138
P139
P140
P141
P142
P143
P144
P145
P146
P147
P148
P149
P150
P151
P152
P153
P154
P155
P156
P157
P158
P159
P160
P161
P162
P163
P164
P165
P166
P167
P168
P169
P170
P171
P172
P173
P174
P175
P176
P177
P178
P179
P180
P181
P182
P183
P184
P185
76,163.11
79,971.27
83,969.83
88,168.32
92,576.74
97,205.57
102,065.85
107,169.15
112,527.60
118,153.98
124,061.68
130,264.77
136,778.00
143,616.90
150,797.75
158,337.64
166,254.52
174,567.24
183,295.61
192,460.39
202,083.41
212,187.58
222,796.96
233,936.80
245,633.64
257,915.33
270,811.09
284,351.65
298,569.23
313,497.69
329,172.58
345,631.20
362,912.76
381,058.40
400,111.32
420,116.89
441,122.73
463,178.87
486,337.81
510,654.70
536,187.44
562,996.81
591,146.65
620,703.98
651,739.18
684,326.14
718,542.45
754,469.57
792,193.05
P186
P187
P188
P189
P190
P191
P192
P193
P194
P195
P196
P197
P198
P199
P200
831,802.70
873,392.84
917,062.48
962,915.61
1,011,061.39
1,061,614.46
1,114,695.18
1,170,429.94
1,228,951.43
1,290,399.01
1,354,918.96
1,422,664.90
1,493,798.15
1,568,488.06
1,646,912.46
Breno de Campos
dade Per. 1
Tx Crescimento
P4
TAXA DE JURO
Aplicao
Resgate
Prazo
Montante - Capital
-100,000.00
R$
134,000.00
R$
14.0 meses
Taxa de Juro
Funo TAXA
TAXA DE JURO
2.11%
2.11%
am
am
PV
FV
n
i
Prestao - Capital
TV
Valor Vista
( - ) Entrada
Valor Financiado
No. Prestaes
Prestao
650.00 R$
0.00
650.00
15 meses
-65.00
Funo TAXA
5.56%
am
PV
n
PMT
i
Breno de Campos
FUNO PRAZO
Aplicao
Resgate
Taxa de Juro
-100,000.00 R$
137,400.00 R$
2.00% am
PV
FV
i
Prazo
Funo NPER
16.04
16.04
n (*)
meses
meses
FUNO PRAZO
Valor da Dvida
Prestaes
Taxa de Juro
100,000.00 R$
-5,000.01 R$
5.00% am
PV
PMT
i
Prazo
Funo NPER
268.96
268.96
n (*)
meses
meses
Breno de Campos
120,000.00
-20,000.00
100,000.00
Taxa de Juro am
3.00%
10
11,723.05
-11,723.05
PV
i
n
PMT
1,000,000.00
FV
0.50%
360
995.51
-995.51
PMT
Breno de Campos
Nmero de Perodos
1
1.0%
2.0%
10
1.01000
1.02010
1.03030
1.04060
1.05101
1.06152
1.07214
1.08286
1.09369
1.10462
1.02000
1.03000
1.04040
1.06090
1.06121
1.09273
1.08243
1.12551
1.10408
1.15927
1.12616
1.19405
1.14869
1.22987
1.17166
1.26677
1.19509
1.30477
1.21899
1.34392
1.04000
1.05000
1.08160
1.10250
1.12486
1.15763
1.16986
1.21551
1.21665
1.27628
1.26532
1.34010
1.31593
1.40710
1.36857
1.47746
1.42331
1.55133
1.48024
1.62889
1.06000
1.07000
1.12360
1.14490
1.19102
1.22504
1.26248
1.31080
1.33823
1.40255
1.41852
1.50073
1.50363
1.60578
1.59385
1.71819
1.68948
1.83846
1.79085
1.96715
8.0%
9.0%
1.08000
1.09000
1.16640
1.18810
1.25971
1.29503
1.36049
1.41158
1.46933
1.53862
1.58687
1.67710
1.71382
1.82804
1.85093
1.99256
1.99900
2.17189
2.15892
2.36736
10.0%
1.10000
1.21000
1.33100
1.46410
1.61051
1.77156
1.94872
2.14359
2.35795
2.59374
3.0%
4.0%
5.0%
6.0%
7.0%
Nmero de Perodos
1
1.0%
2.0%
3.0%
4.0%
5.0%
6.0%
7.0%
8.0%
9.0%
10.0%
10
0.99010
0.98030
0.97059
0.96098
0.95147
0.94205
0.93272
0.92348
0.91434
0.90529
0.98039
0.97087
0.96117
0.94260
0.94232
0.91514
0.92385
0.88849
0.90573
0.86261
0.88797
0.83748
0.87056
0.81309
0.85349
0.78941
0.83676
0.76642
0.82035
0.74409
0.96154
0.95238
0.92456
0.90703
0.88900
0.86384
0.85480
0.82270
0.82193
0.78353
0.79031
0.74622
0.75992
0.71068
0.73069
0.67684
0.70259
0.64461
0.67556
0.61391
0.94340
0.93458
0.89000
0.87344
0.83962
0.81630
0.79209
0.76290
0.74726
0.71299
0.70496
0.66634
0.66506
0.62275
0.62741
0.58201
0.59190
0.54393
0.55839
0.50835
0.92593
0.91743
0.85734
0.84168
0.79383
0.77218
0.73503
0.70843
0.68058
0.64993
0.63017
0.59627
0.58349
0.54703
0.54027
0.50187
0.50025
0.46043
0.46319
0.42241
0.90909
0.82645
0.75131
0.68301
0.62092
0.56447
0.51316
0.46651
0.42410
0.38554
Nmero de Perodos
1
1.0%
2.0%
3.0%
4.0%
5.0%
6.0%
7.0%
8.0%
9.0%
10.0%
10
1.01000
0.50751
0.34002
0.25628
0.20604
0.17255
0.14863
0.13069
0.11674
0.10558
1.02000
1.03000
0.51505
0.52261
0.34675
0.35353
0.26262
0.26903
0.21216
0.21835
0.17853
0.18460
0.15451
0.16051
0.13651
0.14246
0.12252
0.12843
0.11133
0.11723
1.04000
1.05000
0.53020
0.53780
0.36035
0.36721
0.27549
0.28201
0.22463
0.23097
0.19076
0.19702
0.16661
0.17282
0.14853
0.15472
0.13449
0.14069
0.12329
0.12950
1.06000
1.07000
0.54544
0.55309
0.37411
0.38105
0.28859
0.29523
0.23740
0.24389
0.20336
0.20980
0.17914
0.18555
0.16104
0.16747
0.14702
0.15349
0.13587
0.14238
1.08000
1.09000
0.56077
0.56847
0.38803
0.39505
0.30192
0.30867
0.25046
0.25709
0.21632
0.22292
0.19207
0.19869
0.17401
0.18067
0.16008
0.16680
0.14903
0.15582
1.10000
0.57619
0.40211
0.31547
0.26380
0.22961
0.20541
0.18744
0.17364
0.16275
Nmero de Perodos
1
10
1.0%
0.99010
1.97040
2.94099
3.90197
4.85343
5.79548
6.72819
7.65168
8.56602
9.47130
2.0%
3.0%
0.98039
0.97087
1.94156
1.91347
2.88388
2.82861
3.80773
3.71710
4.71346
4.57971
5.60143
5.41719
6.47199
6.23028
7.32548
7.01969
8.16224
7.78611
8.98259
8.53020
4.0%
5.0%
0.96154
0.95238
1.88609
1.85941
2.77509
2.72325
3.62990
3.54595
4.45182
4.32948
5.24214
5.07569
6.00205
5.78637
6.73274
6.46321
7.43533
7.10782
8.11090
7.72173
6.0%
7.0%
0.94340
0.93458
1.83339
1.80802
2.67301
2.62432
3.46511
3.38721
4.21236
4.10020
4.91732
4.76654
5.58238
5.38929
6.20979
5.97130
6.80169
6.51523
7.36009
7.02358
8.0%
9.0%
0.92593
0.91743
1.78326
1.75911
2.57710
2.53129
3.31213
3.23972
3.99271
3.88965
4.62288
4.48592
5.20637
5.03295
5.74664
5.53482
6.24689
5.99525
6.71008
6.41766
10.0%
0.90909
1.73554
2.48685
3.16987
3.79079
4.35526
4.86842
5.33493
5.75902
6.14457
Nmero de Perodos
1
10
1.0%
1.00000
2.01000
3.03010
4.06040
5.10101
6.15202
7.21354
8.28567
9.36853
10.46221
2.0%
3.0%
1.00000
2.02000
3.06040
4.12161
5.20404
6.30812
7.43428
8.58297
9.75463
10.94972
1.00000
2.03000
3.09090
4.18363
5.30914
6.46841
7.66246
8.89234
10.15911
4.0%
5.0%
6.0%
1.00000
2.04000
3.12160
4.24646
5.41632
6.63298
7.89829
9.21423
10.58280
12.00611
1.00000
2.05000
3.15250
4.31013
5.52563
6.80191
8.14201
9.54911
11.02656
12.57789
1.00000
2.06000
3.18360
4.37462
5.63709
6.97532
8.39384
9.89747
11.49132
13.18079
7.0%
8.0%
1.00000
2.07000
3.21490
4.43994
5.75074
7.15329
8.65402
10.25980
11.97799
13.81645
1.00000
2.08000
3.24640
4.50611
5.86660
7.33593
8.92280
10.63663
12.48756
14.48656
9.0%
10.0%
1.00000
2.09000
3.27810
4.57313
5.98471
7.52333
9.20043
11.02847
13.02104
15.19293
1.00000
2.10000
3.31000
4.64100
6.10510
7.71561
9.48717
11.43589
13.57948
15.93742
11.46388
Nmero de Perodos
1
1.0%
2.0%
3.0%
4.0%
5.0%
6.0%
7.0%
8.0%
9.0%
10.0%
10
1.00000
1.00000
0.49751
0.49505
0.33002
0.32675
0.24628
0.24262
0.19604
0.19216
0.16255
0.15853
0.13863
0.13451
0.12069
0.11651
0.10674
0.10252
0.09558
0.09133
1.00000
1.00000
0.49261
0.49020
0.32353
0.32035
0.23903
0.23549
0.18835
0.18463
0.15460
0.15076
0.13051
0.12661
0.11246
0.10853
0.09843
0.09449
0.08723
0.08329
1.00000
1.00000
0.48780
0.48544
0.31721
0.31411
0.23201
0.22859
0.18097
0.17740
0.14702
0.14336
0.12282
0.11914
0.10472
0.10104
0.09069
0.08702
0.07950
0.07587
1.00000
1.00000
0.48309
0.48077
0.31105
0.30803
0.22523
0.22192
0.17389
0.17046
0.13980
0.13632
0.11555
0.11207
0.09747
0.09401
0.08349
0.08008
0.07238
0.06903
1.00000
1.00000
0.47847
0.47619
0.30505
0.30211
0.21867
0.21547
0.16709
0.16380
0.13292
0.12961
0.10869
0.10541
0.09067
0.08744
0.07680
0.07364
0.06582
0.06275
Breno de Campos
TAXA DE JURO
Prestao - Capital
1,200.00
3%
36.00
1,164.00
-400.00
764.00
3
-400.00
3.13%
(*) - 1
PV
n (*)
PMT
i
Breno de Campos
TAXA DE JURO
Prestao - Capital
1,200.00
10%
120.00
1,080.00
1,080.00
10
-120.00
1.96%
PV
n
PMT
i
Breno de Campos
Prestaes c/ Entrada
2%
3%
4%
5%
6%
7%
2.04%
4.17%
6.38%
8.70% 11.11% 13.64% 16.28% 19.05% 25.00% 28.21% 31.58% 35.14% 42.86%
1.01%
2.05%
3.13%
4.23%
5.36%
6.52%
7.73%
0.67%
1.36%
2.07%
2.79%
3.53%
4.29%
5.06%
5.86%
7.51%
8.37%
0.51%
1.02%
1.55%
2.08%
2.63%
3.19%
3.77%
4.35%
5.56%
6.19%
6.83%
7.49%
8.86%
0.40%
0.82%
1.23%
1.66%
2.10%
2.54%
3.00%
3.46%
4.42%
4.91%
5.42%
5.93%
7.00%
0.34%
0.68%
1.03%
1.38%
1.74%
2.11%
2.49%
2.87%
3.66%
4.07%
4.49%
4.91%
5.79%
0.29%
0.58%
0.88%
1.18%
1.49%
1.81%
2.13%
2.46%
3.13%
3.48%
3.83%
4.19%
4.94%
0.25%
0.51%
0.77%
1.03%
1.30%
1.58%
1.86%
2.14%
2.73%
3.03%
3.34%
3.65%
4.30%
10
0.22%
0.45%
0.68%
0.92%
1.16%
1.40%
1.65%
1.90%
2.42%
2.69%
2.96%
3.24%
3.81%
11
0.20%
0.41%
0.61%
0.83%
1.04%
1.26%
1.48%
1.71%
2.18%
2.42%
2.66%
2.91%
3.42%
12
0.18%
0.37%
0.56%
0.75%
0.95%
1.15%
1.35%
1.55%
1.98%
2.19%
2.41%
2.64%
3.10%
15%
1.00%
8%
X,XX%
Y,YY%
10%
11%
12%
13%
15%
Pague a Prazo
Pague Vista
Prestaes s/ Entrada
2%
3%
4%
5%
6%
7%
8%
10%
11%
12%
13%
0.67%
1.36%
2.05%
2.77%
3.49%
4.23%
4.98%
5.74%
7.32%
8.13%
8.96%
9.81% 11.55%
0.50%
1.02%
1.54%
2.07%
2.61%
3.16%
3.72%
4.29%
5.46%
6.06%
6.67%
7.30%
8.59%
0.40%
0.81%
1.23%
1.65%
2.08%
2.52%
2.97%
3.42%
4.35%
4.83%
5.32%
5.81%
6.83%
0.34%
0.68%
1.02%
1.38%
1.73%
2.10%
2.47%
2.85%
3.62%
4.01%
4.42%
4.83%
5.67%
0.29%
0.58%
0.88%
1.18%
1.49%
1.80%
2.11%
2.44%
3.10%
3.43%
3.78%
4.13%
4.85%
0.25%
0.51%
0.77%
1.03%
1.30%
1.57%
1.85%
2.13%
2.71%
3.00%
3.30%
3.61%
4.24%
0.22%
0.45%
0.68%
0.92%
1.15%
1.40%
1.64%
1.89%
2.40%
2.66%
2.93%
3.20%
3.76%
0.20%
0.41%
0.61%
0.82%
1.04%
1.26%
1.48%
1.70%
2.16%
2.40%
2.64%
2.88%
3.38%
10
0.18%
0.37%
0.56%
0.75%
0.94%
1.14%
1.34%
1.55%
1.96%
2.18%
2.39%
2.62%
3.07%
11
0.17%
0.34%
0.51%
0.69%
0.86%
1.05%
1.23%
1.42%
1.80%
1.99%
2.19%
2.40%
2.81%
12
0.15%
0.31%
0.47%
0.63%
0.80%
0.97%
1.13%
1.31%
1.66%
1.84%
2.02%
2.21%
2.59%
1.00%
X,XX%
Pague a Prazo
1.0%
1.5%
2.0%
2.5%
3.0%
3.5%
4.0%
4.5%
5.0%
5.5%
6.0%
6.5%
7.0%
7.5%
8.0%
8.5%
9.0%
9.5%
10.0%
10.5%
11.0%
11.5%
12.0%
12.5%
13.0%
13.5%
14.0%
14.5%
15.0%
1.97
1.96
1.94
1.93
1.91
1.90
1.89
1.87
1.86
1.85
1.83
1.82
1.81
1.80
1.78
1.77
1.76
1.75
1.74
1.72
1.71
1.70
1.69
1.68
1.67
1.66
1.65
1.64
1.63
2.94
2.91
2.88
2.86
2.83
2.80
2.78
2.75
2.72
2.70
2.67
2.65
2.62
2.60
2.58
2.55
2.53
2.51
2.49
2.47
2.44
2.42
2.40
2.38
2.36
2.34
2.32
2.30
2.28
3.90
3.85
3.81
3.76
3.72
3.67
3.63
3.59
3.55
3.51
3.47
3.43
3.39
3.35
3.31
3.28
3.24
3.20
3.17
3.14
3.10
3.07
3.04
3.01
2.97
2.94
2.91
2.88
2.85
4.85
4.78
4.71
4.65
4.58
4.52
4.45
4.39
4.33
4.27
4.21
4.16
4.10
4.05
3.99
3.94
3.89
3.84
3.79
3.74
3.70
3.65
3.60
3.56
3.52
3.47
3.43
3.39
3.35
6
5.80
5.70
5.60
5.51
5.42
5.33
5.24
5.16
5.08
5.00
4.92
4.84
4.77
4.69
4.62
4.55
4.49
4.42
4.36
4.29
4.23
4.17
4.11
4.05
4.00
3.94
3.89
3.84
3.78
8
7.65
7.49
7.33
7.17
7.02
6.87
6.73
6.60
6.46
6.33
6.21
6.09
5.97
5.86
5.75
5.64
5.53
5.43
5.33
5.24
5.15
5.06
4.97
4.88
4.80
4.72
4.64
4.56
4.49
9
8.57
8.36
8.16
7.97
7.79
7.61
7.44
7.27
7.11
6.95
6.80
6.66
6.52
6.38
6.25
6.12
6.00
5.88
5.76
5.65
5.54
5.43
5.33
5.23
5.13
5.04
4.95
4.86
4.77
10
9.47
9.22
8.98
8.75
8.53
8.32
8.11
7.91
7.72
7.54
7.36
7.19
7.02
6.86
6.71
6.56
6.42
6.28
6.14
6.01
5.89
5.77
5.65
5.54
5.43
5.32
5.22
5.12
5.02
11
10.37
10.07
9.79
9.51
9.25
9.00
8.76
8.53
8.31
8.09
7.89
7.69
7.50
7.32
7.14
6.97
6.81
6.65
6.50
6.35
6.21
6.07
5.94
5.81
5.69
5.57
5.45
5.34
5.23
12
11.26
10.91
10.58
10.26
9.95
9.66
9.39
9.12
8.86
8.62
8.38
8.16
7.94
7.74
7.54
7.34
7.16
6.98
6.81
6.65
6.49
6.34
6.19
6.05
5.92
5.79
5.66
5.54
5.42
15
13.87
13.34
12.85
12.38
11.94
11.52
11.12
10.74
10.38
10.04
9.71
9.40
9.11
8.83
8.56
8.30
8.06
7.83
7.61
7.39
7.19
7.00
6.81
6.63
6.46
6.30
6.14
5.99
5.85
17
15.56
14.91
14.29
13.71
13.17
12.65
12.17
11.71
11.27
10.86
10.48
10.11
9.76
9.43
9.12
8.83
8.54
8.28
8.02
7.78
7.55
7.33
7.12
6.92
6.73
6.55
6.37
6.21
6.05
18
16.40
15.67
14.99
14.35
13.75
13.19
12.66
12.16
11.69
11.25
10.83
10.43
10.06
9.71
9.37
9.06
8.76
8.47
8.20
7.95
7.70
7.47
7.25
7.04
6.84
6.65
6.47
6.29
6.13
19
17.23
16.43
15.68
14.98
14.32
13.71
13.13
12.59
12.09
11.61
11.16
10.73
10.34
9.96
9.60
9.27
8.95
8.65
8.36
8.10
7.84
7.60
7.37
7.15
6.94
6.74
6.55
6.37
6.20
20
18.05
17.17
16.35
15.59
14.88
14.21
13.59
13.01
12.46
11.95
11.47
11.02
10.59
10.19
9.82
9.46
9.13
8.81
8.51
8.23
7.96
7.71
7.47
7.24
7.02
6.82
6.62
6.44
6.26
23
20.46
19.33
18.29
17.33
16.44
15.62
14.86
14.15
13.49
12.88
12.30
11.77
11.27
10.81
10.37
9.96
9.58
9.22
8.88
8.57
8.27
7.98
7.72
7.47
7.23
7.00
6.79
6.59
6.40
24
21.24
20.03
18.91
17.88
16.94
16.06
15.25
14.50
13.80
13.15
12.55
11.99
11.47
10.98
10.53
10.10
9.71
9.33
8.98
8.66
8.35
8.06
7.78
7.53
7.28
7.05
6.84
6.63
6.43
35
29.41
27.08
25.00
23.15
21.49
20.00
18.66
17.46
16.37
15.39
14.50
13.69
12.95
12.27
11.65
11.09
10.57
10.09
9.64
9.23
8.86
8.50
8.18
7.87
7.59
7.32
7.07
6.84
6.62
36
30.11
27.66
25.49
23.56
21.83
20.29
18.91
17.67
16.55
15.54
14.62
13.79
13.04
12.35
11.72
11.14
10.61
10.13
9.68
9.26
8.88
8.52
8.19
7.88
7.60
7.33
7.08
6.84
6.62
47
37.35
33.55
30.29
27.47
25.02
22.90
21.04
19.41
17.98
16.71
15.59
14.59
13.69
12.89
12.16
11.51
10.92
10.38
9.89
9.44
9.02
8.64
8.29
7.97
7.67
7.39
7.13
6.88
6.66
48
37.97
34.04
30.67
27.77
25.27
23.09
21.20
19.54
18.08
16.79
15.65
14.64
13.73
12.92
12.19
11.53
10.93
10.39
9.90
9.44
9.03
8.65
8.30
7.97
7.67
7.39
7.13
6.89
6.66
59
44.40
38.97
34.46
30.68
27.51
24.82
22.53
20.57
18.88
17.41
16.13
15.01
14.02
13.15
12.37
11.67
11.04
10.48
9.96
9.50
9.07
8.68
8.32
7.99
7.69
7.40
7.14
6.89
6.66
60
44.96
39.38
34.76
30.91
27.68
24.94
22.62
20.64
18.93
17.45
16.16
15.03
14.04
13.16
12.38
11.68
11.05
10.48
9.97
9.50
9.07
8.68
8.32
7.99
7.69
7.40
7.14
6.89
6.67
71
50.66
43.50
37.74
33.07
29.25
26.09
23.46
21.25
19.37
17.78
16.40
15.21
14.17
13.25
12.45
11.73
11.09
10.51
9.99
9.52
9.09
8.69
8.33
8.00
7.69
7.41
7.14
6.90
6.67
72
51.15
43.84
37.98
33.24
29.37
26.17
23.52
21.29
19.40
17.80
16.42
15.22
14.18
13.26
12.45
11.73
11.09
10.51
9.99
9.52
9.09
8.69
8.33
8.00
7.69
7.41
7.14
6.90
6.67
83
56.21
47.29
40.34
34.85
30.47
26.93
24.04
21.65
19.65
17.97
16.53
15.30
14.23
13.30
12.48
11.75
11.10
10.52
10.00
9.52
9.09
8.69
8.33
8.00
7.69
7.41
7.14
6.90
6.67
84
56.65
47.58
40.53
34.97
30.55
26.98
24.07
21.67
19.67
17.98
16.54
15.31
14.24
13.30
12.48
11.75
11.10
10.52
10.00
9.52
9.09
8.69
8.33
8.00
7.69
7.41
7.14
6.90
6.67
16.0%
17.0%
18.0%
19.0%
20.0%
21.0%
22.0%
23.0%
24.0%
25.0%
26.0%
27.0%
28.0%
29.0%
30.0%
31.0%
32.0%
33.0%
34.0%
35.0%
36.0%
37.0%
38.0%
39.0%
40.0%
41.0%
42.0%
43.0%
44.0%
3
2.25
2.21
2.17
2.14
2.11
2.07
2.04
2.01
1.98
1.95
1.92
1.90
1.87
1.84
1.82
1.79
1.77
1.74
1.72
1.70
1.67
1.65
1.63
1.61
1.59
1.57
1.55
1.53
1.51
10
11
12
15
17
18
19
20
23
24
35
36
47
48
59
60
71
72
83
84
2.80
2.74
2.69
2.64
2.59
2.54
2.49
2.45
2.40
2.36
2.32
2.28
2.24
2.20
2.17
2.13
2.10
2.06
2.03
2.00
1.97
1.94
1.91
1.88
1.85
1.82
1.80
1.77
1.74
3.27
3.20
3.13
3.06
2.99
2.93
2.86
2.80
2.75
2.69
2.64
2.58
2.53
2.48
2.44
2.39
2.35
2.30
2.26
2.22
2.18
2.14
2.11
2.07
2.04
2.00
1.97
1.94
1.91
3.68
3.59
3.50
3.41
3.33
3.24
3.17
3.09
3.02
2.95
2.88
2.82
2.76
2.70
2.64
2.59
2.53
2.48
2.43
2.39
2.34
2.29
2.25
2.21
2.17
2.13
2.09
2.05
2.02
4.34
4.21
4.08
3.95
3.84
3.73
3.62
3.52
3.42
3.33
3.24
3.16
3.08
3.00
2.92
2.85
2.79
2.72
2.66
2.60
2.54
2.48
2.43
2.38
2.33
2.28
2.24
2.19
2.15
4.61
4.45
4.30
4.16
4.03
3.91
3.79
3.67
3.57
3.46
3.37
3.27
3.18
3.10
3.02
2.94
2.87
2.80
2.73
2.67
2.60
2.54
2.49
2.43
2.38
2.33
2.28
2.23
2.19
4.83
4.66
4.49
4.34
4.19
4.05
3.92
3.80
3.68
3.57
3.46
3.36
3.27
3.18
3.09
3.01
2.93
2.86
2.78
2.72
2.65
2.59
2.53
2.47
2.41
2.36
2.31
2.26
2.21
5.03
4.84
4.66
4.49
4.33
4.18
4.04
3.90
3.78
3.66
3.54
3.44
3.34
3.24
3.15
3.06
2.98
2.90
2.82
2.75
2.68
2.62
2.56
2.50
2.44
2.38
2.33
2.28
2.23
5.20
4.99
4.79
4.61
4.44
4.28
4.13
3.99
3.85
3.73
3.61
3.49
3.39
3.29
3.19
3.10
3.01
2.93
2.85
2.78
2.71
2.64
2.58
2.51
2.46
2.40
2.35
2.29
2.24
5.58
5.32
5.09
4.88
4.68
4.49
4.32
4.15
4.00
3.86
3.73
3.60
3.48
3.37
3.27
3.17
3.08
2.99
2.90
2.83
2.75
2.68
2.61
2.55
2.48
2.42
2.37
2.31
2.26
5.75
5.47
5.22
4.99
4.77
4.58
4.39
4.22
4.06
3.91
3.77
3.64
3.52
3.40
3.29
3.19
3.10
3.01
2.92
2.84
2.76
2.69
2.62
2.55
2.49
2.43
2.37
2.32
2.27
5.82
5.53
5.27
5.03
4.81
4.61
4.42
4.24
4.08
3.93
3.79
3.65
3.53
3.41
3.30
3.20
3.10
3.01
2.93
2.84
2.77
2.69
2.62
2.56
2.49
2.43
2.38
2.32
2.27
5.88
5.58
5.32
5.07
4.84
4.63
4.44
4.26
4.10
3.94
3.80
3.66
3.54
3.42
3.31
3.21
3.11
3.02
2.93
2.85
2.77
2.70
2.63
2.56
2.50
2.44
2.38
2.32
2.27
5.93
5.63
5.35
5.10
4.87
4.66
4.46
4.28
4.11
3.95
3.81
3.67
3.55
3.43
3.32
3.21
3.11
3.02
2.93
2.85
2.77
2.70
2.63
2.56
2.50
2.44
2.38
2.32
2.27
6.04
5.72
5.43
5.17
4.92
4.70
4.50
4.31
4.14
3.98
3.83
3.69
3.56
3.44
3.33
3.22
3.12
3.03
2.94
2.85
2.78
2.70
2.63
2.56
2.50
2.44
2.38
2.32
2.27
6.07
5.75
5.45
5.18
4.94
4.71
4.51
4.32
4.14
3.98
3.83
3.69
3.56
3.44
3.33
3.22
3.12
3.03
2.94
2.86
2.78
2.70
2.63
2.56
2.50
2.44
2.38
2.33
2.27
6.22
5.86
5.54
5.25
4.99
4.76
4.54
4.34
4.16
4.00
3.84
3.70
3.57
3.45
3.33
3.23
3.12
3.03
2.94
2.86
2.78
2.70
2.63
2.56
2.50
2.44
2.38
2.33
2.27
6.22
5.86
5.54
5.25
4.99
4.76
4.54
4.35
4.16
4.00
3.85
3.70
3.57
3.45
3.33
3.23
3.12
3.03
2.94
2.86
2.78
2.70
2.63
2.56
2.50
2.44
2.38
2.33
2.27
6.24
5.88
5.55
5.26
5.00
4.76
4.55
4.35
4.17
4.00
3.85
3.70
3.57
3.45
3.33
3.23
3.12
3.03
2.94
2.86
2.78
2.70
2.63
2.56
2.50
2.44
2.38
2.33
2.27
6.24
5.88
5.55
5.26
5.00
4.76
4.55
4.35
4.17
4.00
3.85
3.70
3.57
3.45
3.33
3.23
3.12
3.03
2.94
2.86
2.78
2.70
2.63
2.56
2.50
2.44
2.38
2.33
2.27
6.25
5.88
5.56
5.26
5.00
4.76
4.55
4.35
4.17
4.00
3.85
3.70
3.57
3.45
3.33
3.23
3.12
3.03
2.94
2.86
2.78
2.70
2.63
2.56
2.50
2.44
2.38
2.33
2.27
6.25
5.88
5.56
5.26
5.00
4.76
4.55
4.35
4.17
4.00
3.85
3.70
3.57
3.45
3.33
3.23
3.12
3.03
2.94
2.86
2.78
2.70
2.63
2.56
2.50
2.44
2.38
2.33
2.27
6.25
5.88
5.56
5.26
5.00
4.76
4.55
4.35
4.17
4.00
3.85
3.70
3.57
3.45
3.33
3.23
3.12
3.03
2.94
2.86
2.78
2.70
2.63
2.56
2.50
2.44
2.38
2.33
2.27
6.25
5.88
5.56
5.26
5.00
4.76
4.55
4.35
4.17
4.00
3.85
3.70
3.57
3.45
3.33
3.23
3.12
3.03
2.94
2.86
2.78
2.70
2.63
2.56
2.50
2.44
2.38
2.33
2.27
6.25
5.88
5.56
5.26
5.00
4.76
4.55
4.35
4.17
4.00
3.85
3.70
3.57
3.45
3.33
3.23
3.12
3.03
2.94
2.86
2.78
2.70
2.63
2.56
2.50
2.44
2.38
2.33
2.27
6.25
5.88
5.56
5.26
5.00
4.76
4.55
4.35
4.17
4.00
3.85
3.70
3.57
3.45
3.33
3.23
3.12
3.03
2.94
2.86
2.78
2.70
2.63
2.56
2.50
2.44
2.38
2.33
2.27
Tx Efetiva Mensal
Tx Efetiva Anual Equivalente
Tx Efetiva Anual
Tx Efetiva Mensal Equivalente
10.00%
am
213.84%
aa
7.50%
aa
0.6045%
am
Breno de Campos
7.50%
aa
Taxa de Administrao
0.00%
aa
Prazo
Rentabilidade FI Bruta
7.50%
aa
At 180 dias
22.50%
20.00%
IR (*)
15.00%
1.13%
Imposto de Renda
Alquota
Rentabilidade FI Lquida
6.38%
aa
17.50%
Rentabilidade FI Lquida
0.52%
am
15.00%
0.43%
am
Inflao anual
3.00%
0.25%
0.27%
am
0.18%
am
Alquota %
Parcela a deduzir do
imposto em R$
De 1.637,12 at 2.453,50
7.5
122.78
De 2.453,51 at 3.271,38
15
306.8
De 3.271,39 at 4.087,65
22.5
552.15
Acima de 4.087,65
27.5
756.53
At 1.637,11
aa
7.50%
100.00% aa
REMUNERAO LIQUIDA DO INVESTIMENTO
Imposto de Renda
Taxa Admin.
0.41%
22.50%
20.00%
17.50%
0.50%
1.00%
1.50%
2.00%
3.00%
Poupana Nova
0.43%
am
15.00%
Breno de Campos
7.50%
1%
6.50%
22.50%
1.46%
5.04%
0.41%
25
55
80
0.50% am
RESERVA NECESSRIA
CONTRIBUIO MENSAL
-155,206.86
154.51
25
55
80
0.50% am
RESERVA NECESSRIA
CONTRIBUIO MENSAL
-155,206.86
154.51
0.40%
0.40%
Perodo de Contribuio
Perodo de Benefcio
Ingresso
Sada
Idade
50
60
80
APORTE INICIAL
RESERVA NECESSRIA
CONTRIBUIO MENSAL
300,000.00
484,358.35
770,466.51
1,862.30
6.50% aa
Taxa de Carregamento
Taxa de Administrao
1.00%
2.00% aa
Ingresso
Sada
Expectativa de
Vida
Idade
25
55
80
360
300
5,000.00
Meses de Contribuio
Meses de Benefcio
Benefcio Desejado
RESERVA NECESSRIA
50,000.00
Breno de Campos
RIVADA
0.3674809%
Taxa ao ms utilizada nos
clculos
de Contribuio
de Benefcio
cio Desejado
907,896.62
187,265.91
-974.36
2,062.07%
ao perodo
Indexador
1,764.87%
ao perodo
15.94%
ao perodo
Breno de Campos
12.00%
Nmero de
Capitalizaes
Taxa Efetiva
ao Perodo
Tx
Equivalente
Anual
Funo
=EFETIVA()
Anual
12.00%
12.00%
12.00%
Semestral
6.00%
12.36%
12.36%
Trimestral
3.00%
12.55%
12.55%
Mensal
12
1.0000%
12.68%
12.68%
Diria
365
0.0329%
12.75%
12.75%
Breno de Campos
1
2
12
365
8,760
525,600
31,536,000
100,000.00
10.00%
3.00
Montante
133,100.00
134,009.56
134,818.18
134,980.33
134,985.65
134,985.88
134,985.88
134,985.88
Breno de Campos
1,000.00
5.00%
12
-112.83
n
PMT
100.00
900.00
PV
6.92%
123.21%
Breno de Campos
TAXA OVER
7.50%
0.0287%
0.8611%
252
0.6045%
21
Breno de Campos
TAXAS DE JURO
Taxa Aparente "Nominal"
Indexador
Taxa Real
Taxa Bruta
Imposto
Taxa Lquida
IGP-M / IPC-A
Lquida
7.50%
0.00%
7.50%
5.00%
2.38%
1.00%
1.37%
8.60%
Indexador
Taxa Real
IGP-M / IPC-A
Lquida
5.00%
3.43%
1.70%
Prmio p/ Risco
1.70%
Breno de Campos
Resgate Bruto
100,000.00
20.0%
3.00%
IR
Resgate
Liquido
Valor Presente
@ Tx Inflao
Taxa Nominal
Lquida
Taxa Real
Lquida
0.0%
103,000.00
600.00
102,400.00
102,400.00
2.40%
2.40%
5.0%
108,150.00
1,630.00
106,520.00
101,447.62
6.52%
1.45%
10.0%
113,300.00
2,660.00
110,640.00
100,581.82
10.64%
0.58%
20.0%
123,600.00
4,720.00
118,880.00
99,066.67
18.88%
-0.93%
50.0%
154,500.00
10,900.00
143,600.00
95,733.33
43.60%
-4.27%
100.0%
206,000.00
21,200.00
184,800.00
92,400.00
84.80%
-7.60%
(*) Alquota regressiva entre 22,5% e 15% sobre os Rendimentos (Investimento - Resgate Bruto)
Montante
Funo VF
100,000.00 R$
3.0 anos
10.0% aa
PV
n
i
Sistema de Capitalizao
Composta
Continua
133,100.00
134,985.88
-133,100.00
FV
Breno de Campos
DEBNTURES
Valor de Face
Coupon
Prazo
1,000,000.00
5.00% aa
3 anos
Rentabilidade (Yield)
Valor de Mercado
Perc. Vlr. Face
Desgio
Semestres
0
1
2
3
4
5
6
9.07% aa
900,000.00
90.00%
10.00%
Fluxo de
Caixa da
Debnture
0.00
25,000.00
25,000.00
25,000.00
25,000.00
25,000.00
1,025,000.00
2.50% as
6 sem
4.43% as
Fluxo de Caixa
do Investidor
-900,000.00
25,000.00
25,000.00
25,000.00
25,000.00
25,000.00
1,025,000.00
DEBNTURES II
Anos
Fluxo de Caixa
da Debnture A
Fluxo de Caixa da
Debnture B
-885,838.99
100,000.00
100,000.00
1,100,000.00
-810,778.45
100,000.00
100,000.00
100,000.00
100,000.00
100,000.00
1,100,000.00
Yield (aa)
15.00%
15.00%
0
1
2
3
4
5
DESCONTO
DESCONTO COMPOSTO
Valor do Ttulo
1,000.00
Prazo
Taxa de Desconto
Valor do Resgate
45 dias
4.00% am
Meses
942.87
Custo Efetivo
Valor do Desconto
1.5000
4.00% am
57.13
1,000.00
Prazo
Taxa de Desconto
Valor do Resgate
45 dias
4.00% am
Meses
1.5000
943.40
Custo Efetivo
Valor do Desconto
3.96% am
56.60
1,000.00
Prazo
Taxa de Desconto
Valor do Resgate
45 dias
4.00% am
Meses
940.00
Custo Efetivo
Valor do Desconto
4.21% am
60.00
DESCONTO - RESUMO
Tipo do Desconto :
Desconto
Valor Resgate
Custo Efetivo
1.5000
COMPOSTO
57.13
942.87
4.00%
Por Dentro
56.60
943.40
3.96%
Por Fora
60.00
940.00
4.21%
Saldo Mdio
0%
10%
20%
30%
40%
50%
10/04/2015
0
4.21%
4.71%
5.33%
6.16%
7.28%
8.90%
Dias de "Float"
1
2
3
4.31%
4.41%
4.52%
4.82%
4.93%
5.05%
5.46%
5.59%
5.73%
6.30%
6.45%
6.61%
7.45%
7.63%
7.82%
9.11%
9.33%
9.56%
288696880.xlsx / RECIP
4
4.63%
5.18%
5.87%
6.78%
8.01%
9.81%
5
4.75%
5.31%
6.02%
6.95%
8.22%
10.06%
10.0% am
Prestaes
0
1
2
3
4
Juros no Pagos
4 meses
Breno de Campos
Juro
Amortizao
Prestao
1,000.00
1,100.00
1,210.00
1,331.00
4,641.00
13,310.00
13,310.00
0.00
0.00
0.00
14,641.00
14,641.00
10.0% am
Prestaes
4 meses
10,000.00
10,000.00
10,000.00
10,000.00
0.00
Total
Breno de Campos
Juro
Amortizao
Prestao
1,000.00
1,000.00
1,000.00
1,000.00
4,000.00
10,000.00
10,000.00
1,000.00
1,000.00
1,000.00
11,000.00
14,000.00
FINANCIAMENTO PRICE
Taxa de juros
10.0% am
Prestaes
4 meses
10,000.00
7,845.29
5,475.11
2,867.92
0.00
Total
Juro
Amortizao
Prestao
1,000.00
784.53
547.51
286.79
2,618.83
2,154.71
2,370.18
2,607.20
2,867.92
10,000.00
3,154.71
3,154.71
3,154.71
3,154.71
12,618.83
FINANCIAMENTO PRICE
Taxa de juros
Prestaes
Meses Saldo Devedor
0
48,000.00
1
47,540.27
2
47,066.74
3
46,579.01
4
46,076.65
5
45,559.21
6
45,026.26
7
44,477.31
8
43,911.90
9
43,329.52
10
42,729.67
11
42,111.83
12
41,475.45
13
40,819.98
14
40,144.85
15
39,449.46
16
38,733.21
17
37,995.48
18
37,235.61
19
36,452.94
20
35,646.80
21
34,816.47
22
33,961.23
23
33,080.33
24
32,173.01
25
31,238.47
26
30,275.89
27
29,284.43
28
28,263.23
29
27,211.40
30
26,128.00
31
25,012.11
32
23,862.74
33
22,678.89
34
21,459.52
35
20,203.58
36
18,909.95
37
17,577.52
38
16,205.11
39
14,791.53
40
13,335.54
41
11,835.88
42
10,291.22
43
8,700.22
44
7,061.50
45
5,373.61
46
3,635.08
47
1,844.40
48
0.00
Total
Breno de Campos
3.0% am
48 meses
Juro Amortizao Prestao
1,440.00
1,426.21
1,412.00
1,397.37
1,382.30
1,366.78
1,350.79
1,334.32
1,317.36
1,299.89
1,281.89
1,263.35
1,244.26
1,224.60
1,204.35
1,183.48
1,162.00
1,139.86
1,117.07
1,093.59
1,069.40
1,044.49
1,018.84
992.41
965.19
937.15
908.28
878.53
847.90
816.34
783.84
750.36
715.88
680.37
643.79
606.11
567.30
527.33
486.15
443.75
400.07
355.08
308.74
261.01
211.84
161.21
109.05
55.33
43,187.19
459.73
473.53
487.73
502.36
517.43
532.96
548.95
565.41
582.38
599.85
617.84
636.38
655.47
675.13
695.39
716.25
737.74
759.87
782.66
806.14
830.33
855.24
880.90
907.32
934.54
962.58
991.46
1,021.20
1,051.84
1,083.39
1,115.89
1,149.37
1,183.85
1,219.37
1,255.95
1,293.63
1,332.43
1,372.41
1,413.58
1,455.99
1,499.67
1,544.66
1,591.00
1,638.73
1,687.89
1,738.52
1,790.68
1,844.40
48,000.00
1,899.73
1,899.73
1,899.73
1,899.73
1,899.73
1,899.73
1,899.73
1,899.73
1,899.73
1,899.73
1,899.73
1,899.73
1,899.73
1,899.73
1,899.73
1,899.73
1,899.73
1,899.73
1,899.73
1,899.73
1,899.73
1,899.73
1,899.73
1,899.73
1,899.73
1,899.73
1,899.73
1,899.73
1,899.73
1,899.73
1,899.73
1,899.73
1,899.73
1,899.73
1,899.73
1,899.73
1,899.73
1,899.73
1,899.73
1,899.73
1,899.73
1,899.73
1,899.73
1,899.73
1,899.73
1,899.73
1,899.73
1,899.73
91,187.19
FINANCIAMENTO SAC
Taxa de juros
10.0% am
Prestaes
4 meses
10,000.00
7,500.00
5,000.00
2,500.00
0.00
Total
Juro
Amortizao
Prestao
1,000.00
750.00
500.00
250.00
2,500.00
2,500.00
2,500.00
2,500.00
2,500.00
10,000.00
3,500.00
3,250.00
3,000.00
2,750.00
12,500.00
FINANCIAMENTO SAC
Taxa de juros
Prestaes
Meses Saldo Devedor
0
48,000.00
1
47,000.00
2
46,000.00
3
45,000.00
4
44,000.00
5
43,000.00
6
42,000.00
7
41,000.00
8
40,000.00
9
39,000.00
10
38,000.00
11
37,000.00
12
36,000.00
13
35,000.00
14
34,000.00
15
33,000.00
16
32,000.00
17
31,000.00
18
30,000.00
19
29,000.00
20
28,000.00
21
27,000.00
22
26,000.00
23
25,000.00
24
24,000.00
25
23,000.00
26
22,000.00
27
21,000.00
28
20,000.00
29
19,000.00
30
18,000.00
31
17,000.00
32
16,000.00
33
15,000.00
34
14,000.00
35
13,000.00
36
12,000.00
37
11,000.00
38
10,000.00
39
9,000.00
40
8,000.00
41
7,000.00
42
6,000.00
43
5,000.00
44
4,000.00
45
3,000.00
46
2,000.00
47
1,000.00
48
0.00
Total
Breno de Campos
3.0% am
48 meses
Juro Amortizao Prestao
1,440.00
1,410.00
1,380.00
1,350.00
1,320.00
1,290.00
1,260.00
1,230.00
1,200.00
1,170.00
1,140.00
1,110.00
1,080.00
1,050.00
1,020.00
990.00
960.00
930.00
900.00
870.00
840.00
810.00
780.00
750.00
720.00
690.00
660.00
630.00
600.00
570.00
540.00
510.00
480.00
450.00
420.00
390.00
360.00
330.00
300.00
270.00
240.00
210.00
180.00
150.00
120.00
90.00
60.00
30.00
35,280.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
1,000.00
48,000.00
2,440.00
2,410.00
2,380.00
2,350.00
2,320.00
2,290.00
2,260.00
2,230.00
2,200.00
2,170.00
2,140.00
2,110.00
2,080.00
2,050.00
2,020.00
1,990.00
1,960.00
1,930.00
1,900.00
1,870.00
1,840.00
1,810.00
1,780.00
1,750.00
1,720.00
1,690.00
1,660.00
1,630.00
1,600.00
1,570.00
1,540.00
1,510.00
1,480.00
1,450.00
1,420.00
1,390.00
1,360.00
1,330.00
1,300.00
1,270.00
1,240.00
1,210.00
1,180.00
1,150.00
1,120.00
1,090.00
1,060.00
1,030.00
83,280.00
FINANCIAMENTO SAM
Taxa de juros
10.0% am
Prestaes
4 meses
10,000.00
7,672.65
5,237.56
2,683.96
0.00
Total
Juro
Amortizao
Prestao
1,000.00
767.26
523.76
268.40
2,559.42
2,327.35
2,435.09
2,553.60
2,683.96
10,000.00
3,327.35
3,202.35
3,077.35
2,952.35
12,559.42
FINANCIAMENTO SAM
Taxa de juros
Prestaes
Meses Saldo Devedor
0
48,000.00
1
47,270.13
2
46,533.37
3
45,789.51
4
45,038.32
5
44,279.61
6
43,513.13
7
42,738.66
8
41,955.95
9
41,164.76
10
40,364.84
11
39,555.92
12
38,737.73
13
37,909.99
14
37,072.43
15
36,224.73
16
35,366.61
17
34,497.74
18
33,617.80
19
32,726.47
20
31,823.40
21
30,908.23
22
29,980.62
23
29,040.17
24
28,086.51
25
27,119.23
26
26,137.94
27
25,142.22
28
24,131.62
29
23,105.70
30
22,064.00
31
21,006.06
32
19,931.37
33
18,839.45
34
17,729.76
35
16,601.79
36
15,454.98
37
14,288.76
38
13,102.55
39
11,895.76
40
10,667.77
41
9,417.94
42
8,145.61
43
6,850.11
44
5,530.75
45
4,186.80
46
2,817.54
47
1,422.20
48
0.00
Total
Breno de Campos
3.0% am
48 meses
Juro Amortizao Prestao
1,440.00
1,418.10
1,396.00
1,373.69
1,351.15
1,328.39
1,305.39
1,282.16
1,258.68
1,234.94
1,210.95
1,186.68
1,162.13
1,137.30
1,112.17
1,086.74
1,061.00
1,034.93
1,008.53
981.79
954.70
927.25
899.42
871.21
842.60
813.58
784.14
754.27
723.95
693.17
661.92
630.18
597.94
565.18
531.89
498.05
463.65
428.66
393.08
356.87
320.03
282.54
244.37
205.50
165.92
125.60
84.53
42.67
39,233.60
729.87
736.76
743.87
751.18
758.72
766.48
774.47
782.71
791.19
799.92
808.92
818.19
827.73
837.57
847.69
858.12
868.87
879.93
891.33
903.07
915.16
927.62
940.45
953.66
967.27
981.29
995.73
1,010.60
1,025.92
1,041.70
1,057.95
1,074.68
1,091.93
1,109.68
1,127.97
1,146.81
1,166.22
1,186.20
1,206.79
1,227.99
1,249.83
1,272.33
1,295.50
1,319.36
1,343.94
1,369.26
1,395.34
1,422.20
48,000.00
2,169.87
2,154.87
2,139.87
2,124.87
2,109.87
2,094.87
2,079.87
2,064.87
2,049.87
2,034.87
2,019.87
2,004.87
1,989.87
1,974.87
1,959.87
1,944.87
1,929.87
1,914.87
1,899.87
1,884.87
1,869.87
1,854.87
1,839.87
1,824.87
1,809.87
1,794.87
1,779.87
1,764.87
1,749.87
1,734.87
1,719.87
1,704.87
1,689.87
1,674.87
1,659.87
1,644.87
1,629.87
1,614.87
1,599.87
1,584.87
1,569.87
1,554.87
1,539.87
1,524.87
1,509.87
1,494.87
1,479.87
1,464.87
87,233.60
FINANCIAMENTO SACRE
Taxa de juros
3.0% am
Prestaes
Meses
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
36
37
38
39
40
41
42
43
44
45
46
47
48
48 meses
Saldo Devedor
48,000.00
47,000.00
45,970.00
44,909.10
43,816.37
42,690.86
41,531.59
40,337.54
39,107.66
37,840.89
36,536.12
35,192.20
33,807.97
32,868.86
31,901.58
30,905.27
29,879.08
28,822.11
27,733.42
26,612.07
25,457.09
24,267.45
23,042.12
21,780.04
20,480.09
19,626.75
18,747.82
17,842.51
16,910.05
15,949.61
14,960.36
13,941.43
12,891.93
11,810.95
10,697.54
9,550.72
8,369.50
7,672.05
6,953.66
6,213.73
5,451.60
4,666.60
3,858.06
3,025.25
2,167.47
1,283.95
373.92
Total
Breno de Campos
Juro Amortizao
1,440.00
1,410.00
1,379.10
1,347.27
1,314.49
1,280.73
1,245.95
1,210.13
1,173.23
1,135.23
1,096.08
1,055.77
1,014.24
986.07
957.05
927.16
896.37
864.66
832.00
798.36
763.71
728.02
691.26
653.40
614.40
588.80
562.43
535.28
507.30
478.49
448.81
418.24
386.76
354.33
320.93
286.52
251.09
230.16
208.61
186.41
163.55
140.00
115.74
90.76
65.02
38.52
11.22
32,203.65
1,000.00
1,030.00
1,060.90
1,092.73
1,125.51
1,159.27
1,194.05
1,229.87
1,266.77
1,304.77
1,343.92
1,384.23
939.11
967.28
996.30
1,026.19
1,056.98
1,088.69
1,121.35
1,154.99
1,189.64
1,225.33
1,262.09
1,299.95
853.34
878.94
905.31
932.46
960.44
989.25
1,018.93
1,049.50
1,080.98
1,113.41
1,146.81
1,181.22
697.46
718.38
739.93
762.13
785.00
808.55
832.80
857.79
883.52
910.03
373.92
48,000.00
Prestao
2,440.00
2,440.00
2,440.00
2,440.00
2,440.00
2,440.00
2,440.00
2,440.00
2,440.00
2,440.00
2,440.00
2,440.00
1,953.35
1,953.35
1,953.35
1,953.35
1,953.35
1,953.35
1,953.35
1,953.35
1,953.35
1,953.35
1,953.35
1,953.35
1,467.74
1,467.74
1,467.74
1,467.74
1,467.74
1,467.74
1,467.74
1,467.74
1,467.74
1,467.74
1,467.74
1,467.74
948.54
948.54
948.54
948.54
948.54
948.54
948.54
948.54
948.54
948.54
385.14
80,203.65
SISTEMAS DE AMORTIZAO
50,000
45,000
40,000
35,000
PRICE
30,000
SAC
25,000
SAM
SACRE
20,000
15,000
10,000
5,000
-
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 36 37 38 39 40 41 42 43 44 45 46
PRICE
SAC
SAM
PRICE
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
36
37
38
39
40
41
42
48,000.00
47,540.27
47,066.74
46,579.01
46,076.65
45,559.21
45,026.26
44,477.31
43,911.90
43,329.52
42,729.67
42,111.83
41,475.45
40,819.98
40,144.85
39,449.46
38,733.21
37,995.48
37,235.61
36,452.94
35,646.80
34,816.47
33,961.23
33,080.33
32,173.01
31,238.47
30,275.89
29,284.43
28,263.23
27,211.40
26,128.00
25,012.11
23,862.74
22,678.89
21,459.52
20,203.58
18,909.95
17,577.52
16,205.11
14,791.53
13,335.54
11,835.88
10,291.22
SAC
SAM
48,000.00
47,000.00
46,000.00
45,000.00
44,000.00
43,000.00
42,000.00
41,000.00
40,000.00
39,000.00
38,000.00
37,000.00
36,000.00
35,000.00
34,000.00
33,000.00
32,000.00
31,000.00
30,000.00
29,000.00
28,000.00
27,000.00
26,000.00
25,000.00
24,000.00
23,000.00
22,000.00
21,000.00
20,000.00
19,000.00
18,000.00
17,000.00
16,000.00
15,000.00
14,000.00
13,000.00
12,000.00
11,000.00
10,000.00
9,000.00
8,000.00
7,000.00
6,000.00
48,000.00
47,270.13
46,533.37
45,789.51
45,038.32
44,279.61
43,513.13
42,738.66
41,955.95
41,164.76
40,364.84
39,555.92
38,737.73
37,909.99
37,072.43
36,224.73
35,366.61
34,497.74
33,617.80
32,726.47
31,823.40
30,908.23
29,980.62
29,040.17
28,086.51
27,119.23
26,137.94
25,142.22
24,131.62
23,105.70
22,064.00
21,006.06
19,931.37
18,839.45
17,729.76
16,601.79
15,454.98
14,288.76
13,102.55
11,895.76
10,667.77
9,417.94
8,145.61
SACRE
48,000.00
47,000.00
45,970.00
44,909.10
43,816.37
42,690.86
41,531.59
40,337.54
39,107.66
37,840.89
36,536.12
35,192.20
33,807.97
32,868.86
31,901.58
30,905.27
29,879.08
28,822.11
27,733.42
26,612.07
25,457.09
24,267.45
23,042.12
21,780.04
20,480.09
19,626.75
18,747.82
17,842.51
16,910.05
15,949.61
14,960.36
13,941.43
12,891.93
11,810.95
10,697.54
9,550.72
8,369.50
7,672.05
6,953.66
6,213.73
5,451.60
4,666.60
3,858.06
43
44
45
46
47
48
8,700.22
7,061.50
5,373.61
3,635.08
1,844.40
(0.00)
5,000.00
4,000.00
3,000.00
2,000.00
1,000.00
-
Breno de Campos
6,850.11
5,530.75
4,186.80
2,817.54
1,422.20
-
3,025.25
2,167.47
1,283.95
373.92
-
3 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49
10.0% am
Prestaes
4 meses
10,000.00
11,000.00
8,100.00
5,910.00
0.00
Total
Breno de Campos
Juro
1,000.00
1,100.00
810.00
591.00
3,501.00
Amortizao Prestao
###
(1,000.00)
2,900.00
2,190.00
5,910.00
10,000.00
0.00
4,000.00
3,000.00
6,501.00
13,501.00
1.0% am
Nmero de Prestaes
Valor Base da Prestao
Meses
Saldo Devedor
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
36
37
38
39
40
41
42
43
44
45
46
47
48
48,000.00
47,470.00
46,924.60
46,363.55
45,786.58
45,193.43
44,583.85
43,957.55
43,314.27
42,653.73
41,975.64
41,279.73
40,565.70
39,833.26
39,082.12
38,311.98
37,522.52
36,713.44
35,884.42
35,035.16
34,165.32
33,274.58
32,362.61
31,429.08
30,473.63
29,495.94
28,495.64
27,472.39
26,425.82
25,355.57
24,261.28
23,142.57
21,999.05
20,830.35
19,636.08
18,415.84
17,169.23
15,895.84
14,595.27
13,267.10
11,910.91
10,526.27
9,112.74
7,669.89
6,197.27
4,694.43
3,160.92
1,596.26
(0.00)
Total
48 meses
1,000.00
Juro Amortizao
Fator Exp.
Prestao
1.0000
480.00
474.70
469.25
463.64
457.87
451.93
445.84
439.58
433.14
426.54
419.76
412.80
405.66
398.33
390.82
383.12
375.23
367.13
358.84
350.35
341.65
332.75
323.63
314.29
304.74
294.96
284.96
274.72
264.26
253.56
242.61
231.43
219.99
208.30
196.36
184.16
171.69
158.96
145.95
132.67
119.11
105.26
91.13
76.70
61.97
46.94
31.61
15.96
13,834.83
530.00
545.40
561.06
576.97
593.14
609.59
626.30
643.28
660.54
678.08
695.91
714.03
732.44
751.14
770.15
789.46
809.08
829.01
849.26
869.84
890.74
911.97
933.54
955.44
977.70
1,000.30
1,023.25
1,046.57
1,070.25
1,094.29
1,118.71
1,143.52
1,168.70
1,194.27
1,220.24
1,246.61
1,273.38
1,300.57
1,328.17
1,356.19
1,384.64
1,413.53
1,442.85
1,472.62
1,502.84
1,533.51
1,564.65
1,596.26
48,000.00
1.0100
1.0201
1.0303
1.0406
1.0510
1.0615
1.0721
1.0829
1.0937
1.1046
1.1157
1.1268
1.1381
1.1495
1.1610
1.1726
1.1843
1.1961
1.2081
1.2202
1.2324
1.2447
1.2572
1.2697
1.2824
1.2953
1.3082
1.3213
1.3345
1.3478
1.3613
1.3749
1.3887
1.4026
1.4166
1.4308
1.4451
1.4595
1.4741
1.4889
1.5038
1.5188
1.5340
1.5493
1.5648
1.5805
1.5963
1.6122
1,010.00
1,020.10
1,030.30
1,040.60
1,051.01
1,061.52
1,072.14
1,082.86
1,093.69
1,104.62
1,115.67
1,126.83
1,138.09
1,149.47
1,160.97
1,172.58
1,184.30
1,196.15
1,208.11
1,220.19
1,232.39
1,244.72
1,257.16
1,269.73
1,282.43
1,295.26
1,308.21
1,321.29
1,334.50
1,347.85
1,361.33
1,374.94
1,388.69
1,402.58
1,416.60
1,430.77
1,445.08
1,459.53
1,474.12
1,488.86
1,503.75
1,518.79
1,533.98
1,549.32
1,564.81
1,580.46
1,596.26
1,612.23
61,834.83
1.00% am
Nmero de Prestaes
Valor Base da Prestao
Meses
Saldo Devedor
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
36
37
38
39
40
41
42
43
44
45
46
47
48
48,000.00
47,470.00
46,924.70
46,363.95
45,787.59
45,195.46
44,587.42
43,963.29
43,322.92
42,666.15
41,992.81
41,302.74
40,595.77
39,871.73
39,130.45
38,371.75
37,595.47
36,801.42
35,989.44
35,159.33
34,310.92
33,444.03
32,558.47
31,654.06
30,730.60
29,787.90
28,825.78
27,844.04
26,842.48
25,820.91
24,779.12
23,716.91
22,634.08
21,530.42
20,405.72
19,259.78
18,092.38
16,903.30
15,692.33
14,459.26
13,203.85
11,925.89
10,625.15
9,301.40
7,954.41
6,583.96
5,189.80
3,771.69
2,329.41
Total
Breno de Campos
48 meses
1,000.00
Juro Amortizao
Fator Lin.
Prestao
1.000
480.00
474.70
469.25
463.64
457.88
451.95
445.87
439.63
433.23
426.66
419.93
413.03
405.96
398.72
391.30
383.72
375.95
368.01
359.89
351.59
343.11
334.44
325.58
316.54
307.31
297.88
288.26
278.44
268.42
258.21
247.79
237.17
226.34
215.30
204.06
192.60
180.92
169.03
156.92
144.59
132.04
119.26
106.25
93.01
79.54
65.84
51.90
37.72
14,089.41
530.00
545.30
560.75
576.36
592.12
608.05
624.13
640.37
656.77
673.34
690.07
706.97
724.04
741.28
758.70
776.28
794.05
811.99
830.11
848.41
866.89
885.56
904.42
923.46
942.69
962.12
981.74
1,001.56
1,021.58
1,041.79
1,062.21
1,082.83
1,103.66
1,124.70
1,145.94
1,167.40
1,189.08
1,210.97
1,233.08
1,255.41
1,277.96
1,300.74
1,323.75
1,346.99
1,370.46
1,394.16
1,418.10
1,442.28
45,670.59
1.010
1.020
1.030
1.040
1.050
1.060
1.070
1.080
1.090
1.100
1.110
1.120
1.130
1.140
1.150
1.160
1.170
1.180
1.190
1.200
1.210
1.220
1.230
1.240
1.250
1.260
1.270
1.280
1.290
1.300
1.310
1.320
1.330
1.340
1.350
1.360
1.370
1.380
1.390
1.400
1.410
1.420
1.430
1.440
1.450
1.460
1.470
1.480
1,010.00
1,020.00
1,030.00
1,040.00
1,050.00
1,060.00
1,070.00
1,080.00
1,090.00
1,100.00
1,110.00
1,120.00
1,130.00
1,140.00
1,150.00
1,160.00
1,170.00
1,180.00
1,190.00
1,200.00
1,210.00
1,220.00
1,230.00
1,240.00
1,250.00
1,260.00
1,270.00
1,280.00
1,290.00
1,300.00
1,310.00
1,320.00
1,330.00
1,340.00
1,350.00
1,360.00
1,370.00
1,380.00
1,390.00
1,400.00
1,410.00
1,420.00
1,430.00
1,440.00
1,450.00
1,460.00
1,470.00
1,480.00
59,760.00
9.0% aa
0.75% am
Prestaes
Meses
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
180 meses
Saldo Dev.
Juro
40,000.00
39,894.29
39,787.79
39,680.50
39,572.39
39,463.48
39,353.75
39,243.20
39,131.81
39,019.59
38,906.53
38,792.63
38,677.87
38,562.24
38,445.75
38,328.39
38,210.15
38,091.01
37,970.99
37,850.07
37,728.24
37,605.49
37,481.83
37,357.23
37,231.70
37,105.24
36,977.82
36,849.45
300.00
299.21
298.41
297.60
296.79
295.98
295.15
294.32
293.49
292.65
291.80
290.94
290.08
289.22
288.34
287.46
286.58
285.68
284.78
283.88
282.96
282.04
281.11
280.18
279.24
278.29
277.33
Amortiz. Prestao
105.71
106.50
107.30
108.10
108.91
109.73
110.55
111.38
112.22
113.06
113.91
114.76
115.62
116.49
117.36
118.24
119.13
120.02
120.92
121.83
122.74
123.67
124.59
125.53
126.47
127.42
128.37
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
28
29
30
31
32
33
34
35
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
36,720.11
36,589.80
36,458.52
36,326.25
36,192.99
36,058.73
35,923.47
35,787.19
35,649.88
35,511.55
35,372.18
35,231.77
35,090.30
34,947.77
34,804.17
34,659.50
34,513.74
34,366.88
34,218.93
34,069.86
33,919.68
33,768.37
33,615.93
33,462.34
33,307.60
33,151.70
32,994.63
32,836.38
32,676.95
32,516.32
32,354.49
32,191.44
32,027.17
31,861.67
31,694.92
31,526.93
276.37
275.40
274.42
273.44
272.45
271.45
270.44
269.43
268.40
267.37
266.34
265.29
264.24
263.18
262.11
261.03
259.95
258.85
257.75
256.64
255.52
254.40
253.26
252.12
250.97
249.81
248.64
247.46
246.27
245.08
243.87
242.66
241.44
240.20
238.96
237.71
129.34
130.31
131.28
132.27
133.26
134.26
135.27
136.28
137.30
138.33
139.37
140.42
141.47
142.53
143.60
144.68
145.76
146.85
147.96
149.06
150.18
151.31
152.44
153.59
154.74
155.90
157.07
158.25
159.43
160.63
161.83
163.05
164.27
165.50
166.74
167.99
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
31,357.67
31,187.15
31,015.34
30,842.25
30,667.86
30,492.17
30,315.15
30,136.81
29,957.13
29,776.10
29,593.71
29,409.96
29,224.83
29,038.31
28,850.39
28,661.06
28,470.31
28,278.13
28,084.51
27,889.44
27,692.90
27,494.89
27,295.40
27,094.41
26,891.91
26,687.89
26,482.34
26,275.25
26,066.61
25,856.40
25,644.62
25,431.25
25,216.28
24,999.69
24,781.48
24,561.64
236.45
235.18
233.90
232.62
231.32
230.01
228.69
227.36
226.03
224.68
223.32
221.95
220.57
219.19
217.79
216.38
214.96
213.53
212.09
210.63
209.17
207.70
206.21
204.72
203.21
201.69
200.16
198.62
197.06
195.50
193.92
192.33
190.73
189.12
187.50
185.86
169.25
170.52
171.80
173.09
174.39
175.70
177.02
178.34
179.68
181.03
182.39
183.75
185.13
186.52
187.92
189.33
190.75
192.18
193.62
195.07
196.54
198.01
199.49
200.99
202.50
204.02
205.55
207.09
208.64
210.21
211.78
213.37
214.97
216.58
218.21
219.85
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
24,340.14
24,116.99
23,892.16
23,665.64
23,437.43
23,207.50
22,975.85
22,742.46
22,507.33
22,270.42
22,031.75
21,791.28
21,549.00
21,304.92
21,059.00
20,811.23
20,561.61
20,310.11
20,056.73
19,801.45
19,544.26
19,285.13
19,024.06
18,761.04
18,496.04
18,229.05
17,960.06
17,689.06
17,416.02
17,140.93
16,863.78
16,584.56
16,303.23
16,019.80
15,734.24
15,446.54
184.21
182.55
180.88
179.19
177.49
175.78
174.06
172.32
170.57
168.80
167.03
165.24
163.43
161.62
159.79
157.94
156.08
154.21
152.33
150.43
148.51
146.58
144.64
142.68
140.71
138.72
136.72
134.70
132.67
130.62
128.56
126.48
124.38
122.27
120.15
118.01
221.49
223.16
224.83
226.52
228.21
229.93
231.65
233.39
235.14
236.90
238.68
240.47
242.27
244.09
245.92
247.76
249.62
251.49
253.38
255.28
257.20
259.12
261.07
263.03
265.00
266.99
268.99
271.01
273.04
275.09
277.15
279.23
281.32
283.43
285.56
287.70
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
15,156.68
14,864.65
14,570.43
14,274.00
13,975.35
13,674.46
13,371.31
13,065.89
12,758.18
12,448.16
12,135.81
11,821.12
11,504.08
11,184.65
10,862.83
10,538.59
10,211.93
9,882.81
9,551.22
9,217.15
8,880.57
8,541.47
8,199.82
7,855.62
7,508.83
7,159.44
6,807.43
6,452.77
6,095.46
5,735.47
5,372.78
5,007.37
4,639.22
4,268.31
3,894.61
3,518.12
115.85
113.68
111.48
109.28
107.06
104.82
102.56
100.28
97.99
95.69
93.36
91.02
88.66
86.28
83.88
81.47
79.04
76.59
74.12
71.63
69.13
66.60
64.06
61.50
58.92
56.32
53.70
51.06
48.40
45.72
43.02
40.30
37.56
34.79
32.01
29.21
289.86
292.03
294.22
296.43
298.65
300.89
303.15
305.42
307.71
310.02
312.35
314.69
317.05
319.43
321.82
324.24
326.67
329.12
331.59
334.07
336.58
339.10
341.65
344.21
346.79
349.39
352.01
354.65
357.31
359.99
362.69
365.41
368.15
370.91
373.69
376.50
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
172
173
174
175
176
177
178
179
180
3,138.80
2,756.63
2,371.60
1,983.68
1,592.85
1,199.09
802.38
402.69
0.00
Total
26.39
23.54
20.67
17.79
14.88
11.95
8.99
6.02
3.02
379.32
382.17
385.03
387.92
390.83
393.76
396.71
399.69
402.69
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
405.71
33,027.19
40,000.00
73,027.19
Breno de Campos
Indexador TR
Variao
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
Moeda Corrente
ndice
Saldo Devedor
Prestao
1.00000
40,000.00
39,914.24
39,827.59
39,740.05
39,651.60
39,562.24
39,471.96
39,380.75
39,288.61
39,195.53
39,101.51
39,006.52
38,910.57
38,813.65
38,715.75
38,616.86
38,516.98
38,416.09
38,314.19
38,211.27
38,107.32
38,002.33
37,896.30
37,789.21
37,681.06
37,571.85
37,461.55
37,350.16
405.91
406.11
406.32
406.52
406.72
406.93
407.13
407.33
407.54
407.74
407.94
408.15
408.35
408.56
408.76
408.96
409.17
409.37
409.58
409.78
409.99
410.19
410.40
410.60
410.81
411.01
411.22
1.00050
1.00100
1.00150
1.00200
1.00250
1.00300
1.00351
1.00401
1.00451
1.00501
1.00551
1.00602
1.00652
1.00702
1.00753
1.00803
1.00853
1.00904
1.00954
1.01005
1.01055
1.01106
1.01156
1.01207
1.01258
1.01308
1.01359
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
1.01409
1.01460
1.01511
1.01562
1.01612
1.01663
1.01714
1.01765
1.01816
1.01867
1.01918
1.01969
1.02020
1.02071
1.02122
1.02173
1.02224
1.02275
1.02326
1.02377
1.02428
1.02480
1.02531
1.02582
1.02633
1.02685
1.02736
1.02787
1.02839
1.02890
1.02942
1.02993
1.03045
1.03096
1.03148
1.03199
37,237.68
37,124.09
37,009.38
36,893.55
36,776.59
36,658.49
36,539.23
36,418.82
36,297.23
36,174.46
36,050.51
35,925.35
35,798.99
35,671.41
35,542.60
35,412.55
35,281.26
35,148.70
35,014.88
34,879.78
34,743.39
34,605.70
34,466.70
34,326.38
34,184.73
34,041.74
33,897.39
33,751.68
33,604.60
33,456.13
33,306.26
33,154.99
33,002.29
32,848.17
32,692.60
32,535.58
411.43
411.63
411.84
412.04
412.25
412.45
412.66
412.87
413.07
413.28
413.49
413.69
413.90
414.11
414.31
414.52
414.73
414.94
415.14
415.35
415.56
415.77
415.97
416.18
416.39
416.60
416.81
417.02
417.22
417.43
417.64
417.85
418.06
418.27
418.48
418.69
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
1.03251
1.03303
1.03354
1.03406
1.03458
1.03509
1.03561
1.03613
1.03665
1.03716
1.03768
1.03820
1.03872
1.03924
1.03976
1.04028
1.04080
1.04132
1.04184
1.04236
1.04288
1.04340
1.04393
1.04445
1.04497
1.04549
1.04602
1.04654
1.04706
1.04759
1.04811
1.04863
1.04916
1.04968
1.05021
1.05073
32,377.09
32,217.12
32,055.66
31,892.70
31,728.23
31,562.23
31,394.69
31,225.60
31,054.95
30,882.72
30,708.91
30,533.49
30,356.45
30,177.79
29,997.49
29,815.53
29,631.91
29,446.60
29,259.61
29,070.90
28,880.47
28,688.31
28,494.39
28,298.71
28,101.26
27,902.01
27,700.96
27,498.08
27,293.37
27,086.80
26,878.37
26,668.07
26,455.86
26,241.74
26,025.70
25,807.71
418.90
419.11
419.31
419.52
419.73
419.94
420.15
420.36
420.57
420.78
421.00
421.21
421.42
421.63
421.84
422.05
422.26
422.47
422.68
422.89
423.10
423.32
423.53
423.74
423.95
424.16
424.38
424.59
424.80
425.01
425.23
425.44
425.65
425.86
426.08
426.29
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
1.05126
1.05178
1.05231
1.05284
1.05336
1.05389
1.05442
1.05494
1.05547
1.05600
1.05653
1.05705
1.05758
1.05811
1.05864
1.05917
1.05970
1.06023
1.06076
1.06129
1.06182
1.06235
1.06288
1.06341
1.06395
1.06448
1.06501
1.06554
1.06608
1.06661
1.06714
1.06768
1.06821
1.06874
1.06928
1.06981
25,587.77
25,365.85
25,141.94
24,916.03
24,688.10
24,458.12
24,226.10
23,992.00
23,755.81
23,517.53
23,277.11
23,034.56
22,789.86
22,542.98
22,293.91
22,042.63
21,789.13
21,533.38
21,275.37
21,015.08
20,752.50
20,487.59
20,220.35
19,950.75
19,678.78
19,404.42
19,127.65
18,848.44
18,566.79
18,282.66
17,996.05
17,706.92
17,415.26
17,121.05
16,824.27
16,524.90
426.50
426.72
426.93
427.14
427.36
427.57
427.78
428.00
428.21
428.43
428.64
428.85
429.07
429.28
429.50
429.71
429.93
430.14
430.36
430.57
430.79
431.00
431.22
431.43
431.65
431.87
432.08
432.30
432.51
432.73
432.95
433.16
433.38
433.60
433.81
434.03
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
1.07035
1.07088
1.07142
1.07195
1.07249
1.07303
1.07356
1.07410
1.07464
1.07517
1.07571
1.07625
1.07679
1.07733
1.07786
1.07840
1.07894
1.07948
1.08002
1.08056
1.08110
1.08164
1.08218
1.08272
1.08327
1.08381
1.08435
1.08489
1.08543
1.08598
1.08652
1.08706
1.08761
1.08815
1.08869
1.08924
16,222.91
15,918.29
15,611.02
15,301.07
14,988.42
14,673.05
14,354.93
14,034.06
13,710.40
13,383.93
13,054.63
12,722.47
12,387.44
12,049.51
11,708.65
11,364.85
11,018.08
10,668.31
10,315.52
9,959.70
9,600.80
9,238.81
8,873.71
8,505.46
8,134.05
7,759.45
7,381.62
7,000.56
6,616.22
6,228.59
5,837.63
5,443.33
5,045.64
4,644.56
4,240.04
3,832.07
434.25
434.46
434.68
434.90
435.12
435.33
435.55
435.77
435.99
436.20
436.42
436.64
436.86
437.08
437.30
437.52
437.73
437.95
438.17
438.39
438.61
438.83
439.05
439.27
439.49
439.71
439.93
440.15
440.37
440.59
440.81
441.03
441.25
441.47
441.69
441.91
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
1.08978
1.09033
1.09087
1.09142
1.09196
1.09251
1.09306
1.09360
1.09415
3,420.61
3,005.63
2,587.11
2,165.02
1,739.33
1,310.02
877.04
440.38
0.00
442.13
442.35
442.57
442.80
443.02
443.24
443.46
443.68
443.90
76,432.49
9.0% aa
0.75% am
Prestaes
Meses
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
180 meses
Saldo Dev.
40,000.00
39,777.78
39,555.56
39,333.33
39,111.11
38,888.89
38,666.67
38,444.44
38,222.22
38,000.00
37,777.78
37,555.56
37,333.33
37,111.11
36,888.89
36,666.67
36,444.44
36,222.22
36,000.00
35,777.78
35,555.56
35,333.33
35,111.11
34,888.89
34,666.67
34,444.44
34,222.22
34,000.00
Juro Amortiz.
300.00
298.33
296.67
295.00
293.33
291.67
290.00
288.33
286.67
285.00
283.33
281.67
280.00
278.33
276.67
275.00
273.33
271.67
270.00
268.33
266.67
265.00
263.33
261.67
260.00
258.33
256.67
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
Prestao
522.22
520.56
518.89
517.22
515.56
513.89
512.22
510.56
508.89
507.22
505.56
503.89
502.22
500.56
498.89
497.22
495.56
493.89
492.22
490.56
488.89
487.22
485.56
483.89
482.22
480.56
478.89
28
29
30
31
32
33
34
35
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
33,777.78
33,555.56
33,333.33
33,111.11
32,888.89
32,666.67
32,444.44
32,222.22
32,000.00
31,777.78
31,555.56
31,333.33
31,111.11
30,888.89
30,666.67
30,444.44
30,222.22
30,000.00
29,777.78
29,555.56
29,333.33
29,111.11
28,888.89
28,666.67
28,444.44
28,222.22
28,000.00
27,777.78
27,555.56
27,333.33
27,111.11
26,888.89
26,666.67
26,444.44
26,222.22
26,000.00
255.00
253.33
251.67
250.00
248.33
246.67
245.00
243.33
241.67
240.00
238.33
236.67
235.00
233.33
231.67
230.00
228.33
226.67
225.00
223.33
221.67
220.00
218.33
216.67
215.00
213.33
211.67
210.00
208.33
206.67
205.00
203.33
201.67
200.00
198.33
196.67
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
477.22
475.56
473.89
472.22
470.56
468.89
467.22
465.56
463.89
462.22
460.56
458.89
457.22
455.56
453.89
452.22
450.56
448.89
447.22
445.56
443.89
442.22
440.56
438.89
437.22
435.56
433.89
432.22
430.56
428.89
427.22
425.56
423.89
422.22
420.56
418.89
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
25,777.78
25,555.56
25,333.33
25,111.11
24,888.89
24,666.67
24,444.44
24,222.22
24,000.00
23,777.78
23,555.56
23,333.33
23,111.11
22,888.89
22,666.67
22,444.44
22,222.22
22,000.00
21,777.78
21,555.56
21,333.33
21,111.11
20,888.89
20,666.67
20,444.44
20,222.22
20,000.00
19,777.78
19,555.56
19,333.33
19,111.11
18,888.89
18,666.67
18,444.44
18,222.22
18,000.00
195.00
193.33
191.67
190.00
188.33
186.67
185.00
183.33
181.67
180.00
178.33
176.67
175.00
173.33
171.67
170.00
168.33
166.67
165.00
163.33
161.67
160.00
158.33
156.67
155.00
153.33
151.67
150.00
148.33
146.67
145.00
143.33
141.67
140.00
138.33
136.67
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
417.22
415.56
413.89
412.22
410.56
408.89
407.22
405.56
403.89
402.22
400.56
398.89
397.22
395.56
393.89
392.22
390.56
388.89
387.22
385.56
383.89
382.22
380.56
378.89
377.22
375.56
373.89
372.22
370.56
368.89
367.22
365.56
363.89
362.22
360.56
358.89
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
17,777.78
17,555.56
17,333.33
17,111.11
16,888.89
16,666.67
16,444.44
16,222.22
16,000.00
15,777.78
15,555.56
15,333.33
15,111.11
14,888.89
14,666.67
14,444.44
14,222.22
14,000.00
13,777.78
13,555.56
13,333.33
13,111.11
12,888.89
12,666.67
12,444.44
12,222.22
12,000.00
11,777.78
11,555.56
11,333.33
11,111.11
10,888.89
10,666.67
10,444.44
10,222.22
10,000.00
135.00
133.33
131.67
130.00
128.33
126.67
125.00
123.33
121.67
120.00
118.33
116.67
115.00
113.33
111.67
110.00
108.33
106.67
105.00
103.33
101.67
100.00
98.33
96.67
95.00
93.33
91.67
90.00
88.33
86.67
85.00
83.33
81.67
80.00
78.33
76.67
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
357.22
355.56
353.89
352.22
350.56
348.89
347.22
345.56
343.89
342.22
340.56
338.89
337.22
335.56
333.89
332.22
330.56
328.89
327.22
325.56
323.89
322.22
320.56
318.89
317.22
315.56
313.89
312.22
310.56
308.89
307.22
305.56
303.89
302.22
300.56
298.89
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
9,777.78
9,555.56
9,333.33
9,111.11
8,888.89
8,666.67
8,444.44
8,222.22
8,000.00
7,777.78
7,555.56
7,333.33
7,111.11
6,888.89
6,666.67
6,444.44
6,222.22
6,000.00
5,777.78
5,555.56
5,333.33
5,111.11
4,888.89
4,666.67
4,444.44
4,222.22
4,000.00
3,777.78
3,555.56
3,333.33
3,111.11
2,888.89
2,666.67
2,444.44
2,222.22
2,000.00
75.00
73.33
71.67
70.00
68.33
66.67
65.00
63.33
61.67
60.00
58.33
56.67
55.00
53.33
51.67
50.00
48.33
46.67
45.00
43.33
41.67
40.00
38.33
36.67
35.00
33.33
31.67
30.00
28.33
26.67
25.00
23.33
21.67
20.00
18.33
16.67
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
297.22
295.56
293.89
292.22
290.56
288.89
287.22
285.56
283.89
282.22
280.56
278.89
277.22
275.56
273.89
272.22
270.56
268.89
267.22
265.56
263.89
262.22
260.56
258.89
257.22
255.56
253.89
252.22
250.56
248.89
247.22
245.56
243.89
242.22
240.56
238.89
172
173
174
175
176
177
178
179
180
1,777.78
1,555.56
1,333.33
1,111.11
888.89
666.67
444.44
222.22
0.00
Total
15.00
13.33
11.67
10.00
8.33
6.67
5.00
3.33
1.67
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
222.22
237.22
235.56
233.89
232.22
230.56
228.89
227.22
225.56
223.89
27,150.00
40,000.00
67,150.00
Breno de Campos
Indexador TR
Variao
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
Moeda Corrente
ndice
Saldo Devedor
Prestao
1.00000
40,000.00
39,797.67
39,595.12
39,392.36
39,189.39
38,986.21
38,782.81
38,579.20
38,375.38
38,171.34
37,967.09
37,762.63
37,557.95
37,353.06
37,147.95
36,942.63
36,737.10
36,531.35
36,325.38
36,119.20
35,912.81
35,706.19
35,499.37
35,292.33
35,085.07
34,877.59
34,669.90
34,462.00
522.48
521.08
519.67
518.26
516.85
515.43
514.02
512.60
511.18
509.76
508.34
506.92
505.50
504.07
502.64
501.21
499.78
498.35
496.92
495.48
494.05
492.61
491.17
489.73
488.29
486.84
485.40
1.00050
1.00100
1.00150
1.00200
1.00250
1.00300
1.00351
1.00401
1.00451
1.00501
1.00551
1.00602
1.00652
1.00702
1.00753
1.00803
1.00853
1.00904
1.00954
1.01005
1.01055
1.01106
1.01156
1.01207
1.01258
1.01308
1.01359
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
1.01409
1.01460
1.01511
1.01562
1.01612
1.01663
1.01714
1.01765
1.01816
1.01867
1.01918
1.01969
1.02020
1.02071
1.02122
1.02173
1.02224
1.02275
1.02326
1.02377
1.02428
1.02480
1.02531
1.02582
1.02633
1.02685
1.02736
1.02787
1.02839
1.02890
1.02942
1.02993
1.03045
1.03096
1.03148
1.03199
34,253.87
34,045.53
33,836.98
33,628.20
33,419.21
33,210.00
33,000.57
32,790.93
32,581.07
32,370.99
32,160.69
31,950.17
31,739.44
31,528.48
31,317.31
31,105.92
30,894.31
30,682.48
30,470.43
30,258.16
30,045.67
29,832.96
29,620.03
29,406.88
29,193.51
28,979.92
28,766.10
28,552.07
28,337.82
28,123.34
27,908.64
27,693.72
27,478.58
27,263.22
27,047.63
26,831.82
483.95
482.50
481.05
479.60
478.14
476.69
475.23
473.77
472.31
470.85
469.39
467.92
466.46
464.99
463.52
462.05
460.58
459.10
457.62
456.15
454.67
453.19
451.71
450.22
448.74
447.25
445.76
444.27
442.78
441.28
439.79
438.29
436.79
435.30
433.79
432.29
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
1.03251
1.03303
1.03354
1.03406
1.03458
1.03509
1.03561
1.03613
1.03665
1.03716
1.03768
1.03820
1.03872
1.03924
1.03976
1.04028
1.04080
1.04132
1.04184
1.04236
1.04288
1.04340
1.04393
1.04445
1.04497
1.04549
1.04602
1.04654
1.04706
1.04759
1.04811
1.04863
1.04916
1.04968
1.05021
1.05073
26,615.79
26,399.54
26,183.06
25,966.37
25,749.44
25,532.30
25,314.93
25,097.33
24,879.52
24,661.48
24,443.21
24,224.72
24,006.00
23,787.07
23,567.90
23,348.51
23,128.90
22,909.06
22,688.99
22,468.70
22,248.18
22,027.44
21,806.47
21,585.27
21,363.85
21,142.20
20,920.32
20,698.22
20,475.89
20,253.33
20,030.54
19,807.53
19,584.28
19,360.81
19,137.11
18,913.19
430.79
429.28
427.77
426.26
424.75
423.24
421.72
420.21
418.69
417.17
415.65
414.13
412.60
411.08
409.55
408.02
406.49
404.96
403.42
401.89
400.35
398.81
397.27
395.73
394.19
392.64
391.09
389.55
387.99
386.44
384.89
383.33
381.78
380.22
378.66
377.10
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
1.05126
1.05178
1.05231
1.05284
1.05336
1.05389
1.05442
1.05494
1.05547
1.05600
1.05653
1.05705
1.05758
1.05811
1.05864
1.05917
1.05970
1.06023
1.06076
1.06129
1.06182
1.06235
1.06288
1.06341
1.06395
1.06448
1.06501
1.06554
1.06608
1.06661
1.06714
1.06768
1.06821
1.06874
1.06928
1.06981
18,689.03
18,464.65
18,240.03
18,015.19
17,790.11
17,564.81
17,339.28
17,113.52
16,887.53
16,661.30
16,434.85
16,208.17
15,981.25
15,754.11
15,526.73
15,299.12
15,071.28
14,843.21
14,614.91
14,386.38
14,157.61
13,928.61
13,699.38
13,469.91
13,240.22
13,010.28
12,780.12
12,549.72
12,319.09
12,088.23
11,857.13
11,625.80
11,394.23
11,162.43
10,930.39
10,698.12
375.53
373.97
372.40
370.83
369.26
367.69
366.12
364.54
362.96
361.39
359.81
358.22
356.64
355.06
353.47
351.88
350.29
348.70
347.10
345.51
343.91
342.31
340.71
339.11
337.51
335.90
334.29
332.69
331.08
329.46
327.85
326.23
324.62
323.00
321.38
319.75
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
1.07035
1.07088
1.07142
1.07195
1.07249
1.07303
1.07356
1.07410
1.07464
1.07517
1.07571
1.07625
1.07679
1.07733
1.07786
1.07840
1.07894
1.07948
1.08002
1.08056
1.08110
1.08164
1.08218
1.08272
1.08327
1.08381
1.08435
1.08489
1.08543
1.08598
1.08652
1.08706
1.08761
1.08815
1.08869
1.08924
10,465.62
10,232.88
9,999.90
9,766.69
9,533.24
9,299.56
9,065.64
8,831.48
8,597.09
8,362.46
8,127.59
7,892.49
7,657.15
7,421.57
7,185.76
6,949.71
6,713.42
6,476.89
6,240.12
6,003.12
5,765.88
5,528.39
5,290.67
5,052.71
4,814.51
4,576.07
4,337.40
4,098.48
3,859.32
3,619.92
3,380.28
3,140.40
2,900.28
2,659.92
2,419.32
2,178.48
318.13
316.51
314.88
313.25
311.62
309.99
308.35
306.71
305.08
303.44
301.80
300.15
298.51
296.86
295.21
293.57
291.91
290.26
288.61
286.95
285.29
283.63
281.97
280.31
278.64
276.97
275.30
273.63
271.96
270.29
268.61
266.93
265.26
263.57
261.89
260.21
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
1.08978
1.09033
1.09087
1.09142
1.09196
1.09251
1.09306
1.09360
1.09415
1,937.39
1,696.07
1,454.50
1,212.69
970.63
728.34
485.80
243.02
0.00
258.52
256.83
255.14
253.45
251.76
250.06
248.37
246.67
244.97
69,857.53
9.0% aa
0.75% am
Prestaes
Meses
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
180 meses
Saldo Dev.
Juro
40,000.00
39,836.04
39,671.67
39,506.91
39,341.75
39,176.18
39,010.21
38,843.82
38,677.02
38,509.80
38,342.16
38,174.09
38,005.60
37,836.68
37,667.32
37,497.53
37,327.29
37,156.62
36,985.50
36,813.92
36,641.90
36,469.41
36,296.47
36,123.06
35,949.19
35,774.84
35,600.02
35,424.72
300.00
298.77
297.54
296.30
295.06
293.82
292.58
291.33
290.08
288.82
287.57
286.31
285.04
283.78
282.50
281.23
279.95
278.67
277.39
276.10
274.81
273.52
272.22
270.92
269.62
268.31
267.00
Amortiz. Prestao
163.96
164.36
164.76
165.16
165.57
165.98
166.39
166.80
167.22
167.64
168.06
168.49
168.92
169.36
169.79
170.23
170.68
171.12
171.57
172.03
172.48
172.94
173.41
173.87
174.35
174.82
175.30
463.96
463.13
462.30
461.46
460.63
459.80
458.96
458.13
457.30
456.46
455.63
454.80
453.96
453.13
452.30
451.46
450.63
449.80
448.96
448.13
447.30
446.46
445.63
444.80
443.96
443.13
442.30
28
29
30
31
32
33
34
35
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
35,248.94
35,072.68
34,895.93
34,718.68
34,540.94
34,362.70
34,183.96
34,004.70
33,824.94
33,644.67
33,463.87
33,282.55
33,100.70
32,918.33
32,735.42
32,551.97
32,367.98
32,183.44
31,998.35
31,812.71
31,626.51
31,439.74
31,252.41
31,064.50
30,876.02
30,686.96
30,497.32
30,307.08
30,116.25
29,924.83
29,732.80
29,540.16
29,346.92
29,153.05
28,958.57
28,763.46
265.69
264.37
263.05
261.72
260.39
259.06
257.72
256.38
255.04
253.69
252.33
250.98
249.62
248.26
246.89
245.52
244.14
242.76
241.38
239.99
238.60
237.20
235.80
234.39
232.98
231.57
230.15
228.73
227.30
225.87
224.44
223.00
221.55
220.10
218.65
217.19
175.78
176.26
176.75
177.24
177.74
178.24
178.74
179.25
179.76
180.28
180.80
181.32
181.85
182.38
182.91
183.45
183.99
184.54
185.09
185.64
186.20
186.77
187.33
187.90
188.48
189.06
189.65
190.23
190.83
191.43
192.03
192.64
193.25
193.86
194.48
195.11
441.46
440.63
439.80
438.96
438.13
437.30
436.46
435.63
434.80
433.96
433.13
432.30
431.46
430.63
429.80
428.96
428.13
427.30
426.46
425.63
424.80
423.96
423.13
422.30
421.46
420.63
419.80
418.96
418.13
417.30
416.46
415.63
414.80
413.96
413.13
412.30
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
28,567.72
28,371.35
28,174.34
27,976.68
27,778.38
27,579.42
27,379.80
27,179.51
26,978.56
26,776.94
26,574.63
26,371.65
26,167.97
25,963.60
25,758.53
25,552.75
25,346.27
25,139.07
24,931.14
24,722.50
24,513.12
24,303.00
24,092.14
23,880.54
23,668.18
23,455.06
23,241.17
23,026.52
22,811.08
22,594.87
22,377.87
22,160.07
21,941.47
21,722.07
21,501.85
21,280.82
215.73
214.26
212.79
211.31
209.83
208.34
206.85
205.35
203.85
202.34
200.83
199.31
197.79
196.26
194.73
193.19
191.65
190.10
188.54
186.98
185.42
183.85
182.27
180.69
179.10
177.51
175.91
174.31
172.70
171.08
169.46
167.83
166.20
164.56
162.92
161.26
195.74
196.37
197.01
197.66
198.31
198.96
199.62
200.28
200.95
201.63
202.30
202.99
203.68
204.37
205.07
205.78
206.49
207.20
207.92
208.65
209.38
210.12
210.86
211.61
212.36
213.12
213.88
214.66
215.43
216.21
217.00
217.80
218.60
219.40
220.22
221.03
411.46
410.63
409.80
408.96
408.13
407.30
406.46
405.63
404.80
403.96
403.13
402.30
401.46
400.63
399.80
398.96
398.13
397.30
396.46
395.63
394.80
393.96
393.13
392.30
391.46
390.63
389.80
388.96
388.13
387.30
386.46
385.63
384.80
383.96
383.13
382.30
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
21,058.96
20,836.27
20,612.75
20,388.38
20,163.16
19,937.08
19,710.15
19,482.34
19,253.66
19,024.10
18,793.65
18,562.31
18,330.06
18,096.90
17,862.83
17,627.84
17,391.92
17,155.06
16,917.26
16,678.50
16,438.80
16,198.12
15,956.48
15,713.85
15,470.24
15,225.64
14,980.03
14,733.42
14,485.79
14,237.13
13,987.45
13,736.72
13,484.95
13,232.12
12,978.23
12,723.27
159.61
157.94
156.27
154.60
152.91
151.22
149.53
147.83
146.12
144.40
142.68
140.95
139.22
137.48
135.73
133.97
132.21
130.44
128.66
126.88
125.09
123.29
121.49
119.67
117.85
116.03
114.19
112.35
110.50
108.64
106.78
104.91
103.03
101.14
99.24
97.34
221.86
222.69
223.53
224.37
225.22
226.07
226.94
227.80
228.68
229.56
230.45
231.35
232.25
233.16
234.07
234.99
235.92
236.86
237.80
238.75
239.71
240.67
241.65
242.62
243.61
244.60
245.61
246.61
247.63
248.65
249.69
250.73
251.77
252.83
253.89
254.96
381.46
380.63
379.80
378.96
378.13
377.30
376.46
375.63
374.80
373.96
373.13
372.30
371.46
370.63
369.80
368.96
368.13
367.30
366.46
365.63
364.80
363.96
363.13
362.30
361.46
360.63
359.80
358.96
358.13
357.30
356.46
355.63
354.80
353.96
353.13
352.30
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
12,467.23
12,210.10
11,951.88
11,692.56
11,432.12
11,170.56
10,907.88
10,644.06
10,379.09
10,112.97
9,845.68
9,577.23
9,307.59
9,036.77
8,764.75
8,491.52
8,217.07
7,941.40
7,664.50
7,386.35
7,106.95
6,826.29
6,544.36
6,261.14
5,976.64
5,690.83
5,403.71
5,115.28
4,825.51
4,534.40
4,241.95
3,948.13
3,652.94
3,356.38
3,058.42
2,759.06
95.42
93.50
91.58
89.64
87.69
85.74
83.78
81.81
79.83
77.84
75.85
73.84
71.83
69.81
67.78
65.74
63.69
61.63
59.56
57.48
55.40
53.30
51.20
49.08
46.96
44.82
42.68
40.53
38.36
36.19
34.01
31.81
29.61
27.40
25.17
22.94
256.04
257.13
258.22
259.33
260.44
261.56
262.69
263.82
264.97
266.12
267.28
268.46
269.64
270.82
272.02
273.23
274.44
275.67
276.90
278.15
279.40
280.66
281.93
283.22
284.51
285.81
287.12
288.44
289.77
291.11
292.46
293.82
295.19
296.57
297.96
299.36
351.46
350.63
349.80
348.96
348.13
347.30
346.46
345.63
344.80
343.96
343.13
342.30
341.46
340.63
339.80
338.96
338.13
337.30
336.46
335.63
334.80
333.96
333.13
332.30
331.46
330.63
329.80
328.96
328.13
327.30
326.46
325.63
324.80
323.96
323.13
322.30
172
173
174
175
176
177
178
179
180
2,458.29
2,156.09
1,852.47
1,547.39
1,240.87
932.88
623.41
312.45
0.00
Total
20.69
18.44
16.17
13.89
11.61
9.31
7.00
4.68
2.34
300.77
302.19
303.63
305.07
306.53
307.99
309.47
310.96
312.45
321.46
320.63
319.80
318.96
318.13
317.30
316.46
315.63
314.80
30,088.60
40,000.00
70,088.60
Breno de Campos
Indexador TR
Variao
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
Moeda Corrente
ndice
Saldo Devedor
Prestao
1.00000
40,000.00
39,855.95
39,711.36
39,566.20
39,420.49
39,274.22
39,127.38
38,979.98
38,832.00
38,683.44
38,534.30
38,384.57
38,234.26
38,083.35
37,931.85
37,779.75
37,627.04
37,473.72
37,319.78
37,165.23
37,010.06
36,854.26
36,697.83
36,540.77
36,383.07
36,224.72
36,065.72
35,906.08
464.20
463.59
462.99
462.39
461.78
461.18
460.57
459.97
459.36
458.75
458.14
457.53
456.92
456.31
455.70
455.09
454.48
453.86
453.25
452.63
452.02
451.40
450.78
450.17
449.55
448.93
448.31
1.00050
1.00100
1.00150
1.00200
1.00250
1.00300
1.00351
1.00401
1.00451
1.00501
1.00551
1.00602
1.00652
1.00702
1.00753
1.00803
1.00853
1.00904
1.00954
1.01005
1.01055
1.01106
1.01156
1.01207
1.01258
1.01308
1.01359
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
1.01409
1.01460
1.01511
1.01562
1.01612
1.01663
1.01714
1.01765
1.01816
1.01867
1.01918
1.01969
1.02020
1.02071
1.02122
1.02173
1.02224
1.02275
1.02326
1.02377
1.02428
1.02480
1.02531
1.02582
1.02633
1.02685
1.02736
1.02787
1.02839
1.02890
1.02942
1.02993
1.03045
1.03096
1.03148
1.03199
35,745.77
35,584.81
35,423.18
35,260.88
35,097.90
34,934.24
34,769.90
34,604.87
34,439.15
34,272.73
34,105.60
33,937.76
33,769.21
33,599.95
33,429.96
33,259.24
33,087.78
32,915.59
32,742.65
32,568.97
32,394.53
32,219.33
32,043.37
31,866.63
31,689.12
31,510.83
31,331.75
31,151.88
30,971.21
30,789.74
30,607.45
30,424.36
30,240.44
30,055.69
29,870.12
29,683.70
447.69
447.07
446.44
445.82
445.20
444.57
443.95
443.32
442.69
442.07
441.44
440.81
440.18
439.55
438.92
438.28
437.65
437.02
436.38
435.75
435.11
434.48
433.84
433.20
432.56
431.92
431.28
430.64
430.00
429.36
428.72
428.07
427.43
426.78
426.14
425.49
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
1.03251
1.03303
1.03354
1.03406
1.03458
1.03509
1.03561
1.03613
1.03665
1.03716
1.03768
1.03820
1.03872
1.03924
1.03976
1.04028
1.04080
1.04132
1.04184
1.04236
1.04288
1.04340
1.04393
1.04445
1.04497
1.04549
1.04602
1.04654
1.04706
1.04759
1.04811
1.04863
1.04916
1.04968
1.05021
1.05073
29,496.44
29,308.33
29,119.36
28,929.53
28,738.84
28,547.26
28,354.81
28,161.47
27,967.23
27,772.10
27,576.06
27,379.10
27,181.23
26,982.43
26,782.70
26,582.02
26,380.40
26,177.83
25,974.30
25,769.80
25,564.33
25,357.87
25,150.43
24,941.99
24,732.55
24,522.10
24,310.64
24,098.15
23,884.63
23,670.07
23,454.46
23,237.80
23,020.07
22,801.28
22,581.41
22,360.45
424.84
424.19
423.54
422.89
422.24
421.59
420.94
420.29
419.63
418.98
418.32
417.67
417.01
416.35
415.69
415.03
414.37
413.71
413.05
412.39
411.73
411.06
410.40
409.73
409.07
408.40
407.73
407.07
406.40
405.73
405.06
404.39
403.71
403.04
402.37
401.69
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
1.05126
1.05178
1.05231
1.05284
1.05336
1.05389
1.05442
1.05494
1.05547
1.05600
1.05653
1.05705
1.05758
1.05811
1.05864
1.05917
1.05970
1.06023
1.06076
1.06129
1.06182
1.06235
1.06288
1.06341
1.06395
1.06448
1.06501
1.06554
1.06608
1.06661
1.06714
1.06768
1.06821
1.06874
1.06928
1.06981
22,138.40
21,915.25
21,690.99
21,465.61
21,239.11
21,011.47
20,782.69
20,552.76
20,321.67
20,089.41
19,855.98
19,621.37
19,385.56
19,148.54
18,910.32
18,670.88
18,430.21
18,188.30
17,945.14
17,700.73
17,455.05
17,208.10
16,959.86
16,710.33
16,459.50
16,207.35
15,953.89
15,699.08
15,442.94
15,185.45
14,926.59
14,666.36
14,404.75
14,141.74
13,877.33
13,611.51
401.02
400.34
399.66
398.99
398.31
397.63
396.95
396.27
395.59
394.91
394.22
393.54
392.85
392.17
391.48
390.80
390.11
389.42
388.73
388.04
387.35
386.66
385.97
385.27
384.58
383.88
383.19
382.49
381.79
381.10
380.40
379.70
379.00
378.30
377.60
376.89
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
1.07035
1.07088
1.07142
1.07195
1.07249
1.07303
1.07356
1.07410
1.07464
1.07517
1.07571
1.07625
1.07679
1.07733
1.07786
1.07840
1.07894
1.07948
1.08002
1.08056
1.08110
1.08164
1.08218
1.08272
1.08327
1.08381
1.08435
1.08489
1.08543
1.08598
1.08652
1.08706
1.08761
1.08815
1.08869
1.08924
13,344.27
13,075.58
12,805.46
12,533.88
12,260.83
11,986.30
11,710.29
11,432.77
11,153.74
10,873.19
10,591.11
10,307.48
10,022.29
9,735.54
9,447.20
9,157.28
8,865.75
8,572.60
8,277.82
7,981.41
7,683.34
7,383.60
7,082.19
6,779.09
6,474.28
6,167.76
5,859.51
5,549.52
5,237.77
4,924.25
4,608.96
4,291.86
3,972.96
3,652.24
3,329.68
3,005.27
376.19
375.48
374.78
374.07
373.37
372.66
371.95
371.24
370.53
369.82
369.11
368.40
367.68
366.97
366.26
365.54
364.82
364.11
363.39
362.67
361.95
361.23
360.51
359.79
359.06
358.34
357.62
356.89
356.16
355.44
354.71
353.98
353.25
352.52
351.79
351.06
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
1.08978
1.09033
1.09087
1.09142
1.09196
1.09251
1.09306
1.09360
1.09415
2,679.00
2,350.85
2,020.80
1,688.85
1,354.98
1,019.18
681.42
341.70
0.00
350.33
349.59
348.86
348.12
347.39
346.65
345.91
345.18
344.44
73,145.01
9.0% aa
0.75% am
Prestaes
Meses
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
180 meses
Saldo Dev.
40,000.00
39,777.78
39,553.89
39,328.32
39,101.06
38,872.10
38,641.42
38,409.00
38,174.85
37,938.94
37,701.26
37,461.80
37,220.54
36,998.99
36,775.77
36,550.89
36,324.31
36,096.04
35,866.06
35,634.35
35,400.90
35,165.70
34,928.74
34,690.00
34,449.47
34,228.64
34,006.15
33,782.00
Juro Amortiz.
300.00
298.33
296.65
294.96
293.26
291.54
289.81
288.07
286.31
284.54
282.76
280.96
279.15
277.49
275.82
274.13
272.43
270.72
269.00
267.26
265.51
263.74
261.97
260.18
258.37
256.71
255.05
222.22
223.89
225.57
227.26
228.96
230.68
232.41
234.15
235.91
237.68
239.46
241.26
221.55
223.21
224.89
226.57
228.27
229.98
231.71
233.45
235.20
236.96
238.74
240.53
220.83
222.49
224.15
Prestao
522.22
522.22
522.22
522.22
522.22
522.22
522.22
522.22
522.22
522.22
522.22
522.22
500.70
500.70
500.70
500.70
500.70
500.70
500.70
500.70
500.70
500.70
500.70
500.70
479.20
479.20
479.20
28
29
30
31
32
33
34
35
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
33,556.16
33,328.63
33,099.40
32,868.44
32,635.75
32,401.32
32,165.13
31,927.17
31,687.42
31,467.37
31,245.67
31,022.30
30,797.26
30,570.54
30,342.11
30,111.97
29,880.10
29,646.49
29,411.13
29,174.01
28,935.11
28,715.90
28,495.05
28,272.55
28,048.37
27,822.52
27,594.97
27,365.71
27,134.73
26,902.03
26,667.57
26,431.36
26,193.38
25,975.10
25,755.18
25,533.62
253.36
251.67
249.96
248.25
246.51
244.77
243.01
241.24
239.45
237.66
236.01
234.34
232.67
230.98
229.28
227.57
225.84
224.10
222.35
220.58
218.81
217.01
215.37
213.71
212.04
210.36
208.67
206.96
205.24
203.51
201.77
200.01
198.24
196.45
194.81
193.16
225.84
227.53
229.24
230.96
232.69
234.43
236.19
237.96
239.75
220.05
221.70
223.36
225.04
226.73
228.43
230.14
231.87
233.61
235.36
237.12
238.90
219.21
220.85
222.51
224.17
225.86
227.55
229.26
230.98
232.71
234.45
236.21
237.98
218.28
219.92
221.56
479.20
479.20
479.20
479.20
479.20
479.20
479.20
479.20
479.20
457.71
457.71
457.71
457.71
457.71
457.71
457.71
457.71
457.71
457.71
457.71
457.71
436.22
436.22
436.22
436.22
436.22
436.22
436.22
436.22
436.22
436.22
436.22
436.22
414.73
414.73
414.73
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
25,310.39
25,085.49
24,858.91
24,630.62
24,400.62
24,168.90
23,935.43
23,700.22
23,463.24
23,245.99
23,027.11
22,806.59
22,584.41
22,360.57
22,135.04
21,907.83
21,678.91
21,448.28
21,215.91
20,981.81
20,745.94
20,529.84
20,312.12
20,092.76
19,871.76
19,649.10
19,424.77
19,198.75
18,971.05
18,741.63
18,510.49
18,277.63
18,043.01
17,828.21
17,611.80
17,393.77
191.50
189.83
188.14
186.44
184.73
183.00
181.27
179.52
177.75
175.97
174.34
172.70
171.05
169.38
167.70
166.01
164.31
162.59
160.86
159.12
157.36
155.59
153.97
152.34
150.70
149.04
147.37
145.69
143.99
142.28
140.56
138.83
137.08
135.32
133.71
132.09
223.23
224.90
226.59
228.29
230.00
231.72
233.46
235.21
236.98
217.25
218.88
220.52
222.18
223.84
225.52
227.21
228.92
230.63
232.36
234.11
235.86
216.10
217.72
219.36
221.00
222.66
224.33
226.01
227.71
229.42
231.14
232.87
234.62
214.80
216.41
218.03
414.73
414.73
414.73
414.73
414.73
414.73
414.73
414.73
414.73
393.23
393.23
393.23
393.23
393.23
393.23
393.23
393.23
393.23
393.23
393.23
393.23
371.70
371.70
371.70
371.70
371.70
371.70
371.70
371.70
371.70
371.70
371.70
371.70
350.12
350.12
350.12
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
17,174.10
16,952.79
16,729.81
16,505.17
16,278.84
16,050.81
15,821.07
15,589.61
15,356.41
15,143.12
14,928.24
14,711.75
14,493.63
14,273.87
14,052.47
13,829.41
13,604.67
13,378.25
13,150.13
12,920.30
12,688.75
12,477.27
12,264.20
12,049.54
11,833.27
11,615.37
11,395.84
11,174.67
10,951.83
10,727.32
10,501.14
10,273.25
10,043.65
9,834.41
9,623.60
9,411.21
130.45
128.81
127.15
125.47
123.79
122.09
120.38
118.66
116.92
115.17
113.57
111.96
110.34
108.70
107.05
105.39
103.72
102.04
100.34
98.63
96.90
95.17
93.58
91.98
90.37
88.75
87.12
85.47
83.81
82.14
80.45
78.76
77.05
75.33
73.76
72.18
219.67
221.31
222.97
224.65
226.33
228.03
229.74
231.46
233.20
213.28
214.88
216.49
218.12
219.75
221.40
223.06
224.74
226.42
228.12
229.83
231.55
211.48
213.07
214.66
216.27
217.90
219.53
221.18
222.83
224.51
226.19
227.89
229.60
209.24
210.81
212.39
350.12
350.12
350.12
350.12
350.12
350.12
350.12
350.12
350.12
328.46
328.46
328.46
328.46
328.46
328.46
328.46
328.46
328.46
328.46
328.46
328.46
306.64
306.64
306.64
306.64
306.64
306.64
306.64
306.64
306.64
306.64
306.64
306.64
284.57
284.57
284.57
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
9,197.22
8,981.63
8,764.42
8,545.58
8,325.10
8,102.97
7,879.18
7,653.70
7,426.53
7,220.24
7,012.40
6,803.00
6,592.03
6,379.48
6,165.33
5,949.58
5,732.21
5,513.21
5,292.57
5,070.27
4,846.31
4,644.38
4,440.94
4,235.97
4,029.46
3,821.40
3,611.79
3,400.60
3,187.83
2,973.46
2,757.48
2,539.89
2,320.66
2,127.27
1,932.43
1,736.13
70.58
68.98
67.36
65.73
64.09
62.44
60.77
59.09
57.40
55.70
54.15
52.59
51.02
49.44
47.85
46.24
44.62
42.99
41.35
39.69
38.03
36.35
34.83
33.31
31.77
30.22
28.66
27.09
25.50
23.91
22.30
20.68
19.05
17.40
15.95
14.49
213.99
215.59
217.21
218.84
220.48
222.13
223.80
225.48
227.17
206.29
207.84
209.40
210.97
212.55
214.15
215.75
217.37
219.00
220.64
222.30
223.96
201.93
203.44
204.97
206.51
208.06
209.62
211.19
212.77
214.37
215.98
217.60
219.23
193.39
194.84
196.30
284.57
284.57
284.57
284.57
284.57
284.57
284.57
284.57
284.57
261.99
261.99
261.99
261.99
261.99
261.99
261.99
261.99
261.99
261.99
261.99
261.99
238.28
238.28
238.28
238.28
238.28
238.28
238.28
238.28
238.28
238.28
238.28
238.28
210.79
210.79
210.79
172
173
174
175
176
177
178
179
180
1,538.36
1,339.10
1,138.35
936.10
732.33
527.03
320.19
111.79
Total
13.02
11.54
10.04
8.54
7.02
5.49
3.95
2.40
0.84
197.77
199.26
200.75
202.26
203.77
205.30
206.84
208.39
111.79
210.79
210.79
210.79
210.79
210.79
210.79
210.79
210.79
112.63
26,580.56
40,000.00
66,580.56
Breno de Campos
Indexador TR
Variao
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
Moeda Corrente
ndice
Saldo Devedor
Prestao
1.00000
40,000.00
39,797.67
39,593.45
39,387.34
39,179.32
38,969.37
38,757.48
38,543.64
38,327.82
38,110.01
37,890.19
37,668.35
37,444.47
37,240.20
37,034.04
36,825.98
36,616.00
36,404.09
36,190.23
35,974.40
35,756.60
35,536.79
35,314.98
35,091.14
34,865.25
34,659.08
34,451.01
34,241.03
522.48
522.74
523.01
523.27
523.53
523.79
524.05
524.31
524.58
524.84
525.10
525.36
503.97
504.22
504.47
504.73
504.98
505.23
505.48
505.74
505.99
506.24
506.49
506.75
485.23
485.47
485.71
1.00050
1.00100
1.00150
1.00200
1.00250
1.00300
1.00351
1.00401
1.00451
1.00501
1.00551
1.00602
1.00652
1.00702
1.00753
1.00803
1.00853
1.00904
1.00954
1.01005
1.01055
1.01106
1.01156
1.01207
1.01258
1.01308
1.01359
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
1.01409
1.01460
1.01511
1.01562
1.01612
1.01663
1.01714
1.01765
1.01816
1.01867
1.01918
1.01969
1.02020
1.02071
1.02122
1.02173
1.02224
1.02275
1.02326
1.02377
1.02428
1.02480
1.02531
1.02582
1.02633
1.02685
1.02736
1.02787
1.02839
1.02890
1.02942
1.02993
1.03045
1.03096
1.03148
1.03199
34,029.13
33,815.30
33,599.50
33,381.74
33,161.99
32,940.24
32,716.47
32,490.67
32,262.81
32,054.79
31,844.86
31,633.02
31,419.25
31,203.54
30,985.87
30,766.22
30,544.58
30,320.93
30,095.26
29,867.54
29,637.77
29,427.95
29,216.23
29,002.58
28,787.01
28,569.48
28,349.99
28,128.52
27,905.05
27,679.57
27,452.06
27,222.50
26,990.88
26,779.34
26,565.89
26,350.52
485.96
486.20
486.44
486.68
486.93
487.17
487.41
487.66
487.90
466.25
466.48
466.72
466.95
467.18
467.42
467.65
467.89
468.12
468.35
468.59
468.82
447.04
447.26
447.48
447.71
447.93
448.15
448.38
448.60
448.83
449.05
449.28
449.50
427.57
427.78
428.00
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
1.03251
1.03303
1.03354
1.03406
1.03458
1.03509
1.03561
1.03613
1.03665
1.03716
1.03768
1.03820
1.03872
1.03924
1.03976
1.04028
1.04080
1.04132
1.04184
1.04236
1.04288
1.04340
1.04393
1.04445
1.04497
1.04549
1.04602
1.04654
1.04706
1.04759
1.04811
1.04863
1.04916
1.04968
1.05021
1.05073
26,133.21
25,913.95
25,692.72
25,469.51
25,244.29
25,017.06
24,787.79
24,556.47
24,323.09
24,109.93
23,894.85
23,677.85
23,458.91
23,238.01
23,015.14
22,790.28
22,563.42
22,334.54
22,103.62
21,870.64
21,635.60
21,420.94
21,204.36
20,985.85
20,765.41
20,543.00
20,318.62
20,092.25
19,863.87
19,633.47
19,401.03
19,166.53
18,929.97
18,713.96
18,496.05
18,276.20
428.21
428.43
428.64
428.85
429.07
429.28
429.50
429.71
429.93
407.84
408.04
408.25
408.45
408.66
408.86
409.07
409.27
409.48
409.68
409.88
410.09
387.83
388.03
388.22
388.41
388.61
388.80
389.00
389.19
389.39
389.58
389.78
389.97
367.52
367.70
367.88
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
1.05126
1.05178
1.05231
1.05284
1.05336
1.05389
1.05442
1.05494
1.05547
1.05600
1.05653
1.05705
1.05758
1.05811
1.05864
1.05917
1.05970
1.06023
1.06076
1.06129
1.06182
1.06235
1.06288
1.06341
1.06395
1.06448
1.06501
1.06554
1.06608
1.06661
1.06714
1.06768
1.06821
1.06874
1.06928
1.06981
18,054.41
17,830.67
17,604.94
17,377.23
17,147.51
16,915.77
16,681.98
16,446.14
16,208.23
15,991.11
15,772.08
15,551.12
15,328.21
15,103.35
14,876.52
14,647.70
14,416.87
14,184.02
13,949.13
13,712.19
13,473.17
13,255.24
13,035.41
12,813.65
12,589.95
12,364.30
12,136.69
11,907.08
11,675.48
11,441.85
11,206.20
10,968.49
10,728.72
10,510.46
10,290.30
10,068.22
368.07
368.25
368.43
368.62
368.80
368.99
369.17
369.36
369.54
346.85
347.02
347.20
347.37
347.54
347.72
347.89
348.07
348.24
348.41
348.59
348.76
325.76
325.93
326.09
326.25
326.42
326.58
326.74
326.91
327.07
327.23
327.40
327.56
304.13
304.28
304.44
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
1.07035
1.07088
1.07142
1.07195
1.07249
1.07303
1.07356
1.07410
1.07464
1.07517
1.07571
1.07625
1.07679
1.07733
1.07786
1.07840
1.07894
1.07948
1.08002
1.08056
1.08110
1.08164
1.08218
1.08272
1.08327
1.08381
1.08435
1.08489
1.08543
1.08598
1.08652
1.08706
1.08761
1.08815
1.08869
1.08924
9,844.22
9,618.27
9,390.36
9,160.47
8,928.59
8,694.70
8,458.78
8,220.83
7,980.82
7,763.01
7,543.31
7,321.72
7,098.21
6,872.78
6,645.39
6,416.05
6,184.73
5,951.41
5,716.09
5,478.74
5,239.35
5,023.56
4,805.91
4,586.38
4,364.97
4,141.66
3,916.44
3,689.28
3,460.17
3,229.10
2,996.06
2,761.01
2,523.96
2,314.79
2,103.83
1,891.06
304.59
304.74
304.89
305.05
305.20
305.35
305.50
305.66
305.81
281.69
281.83
281.97
282.11
282.25
282.39
282.53
282.67
282.82
282.96
283.10
283.24
257.73
257.86
257.99
258.12
258.25
258.38
258.50
258.63
258.76
258.89
259.02
259.15
229.37
229.49
229.60
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
1.08978
1.09033
1.09087
1.09142
1.09196
1.09251
1.09306
1.09360
1.09415
1,676.48
1,460.06
1,241.80
1,021.68
799.67
575.78
349.98
122.26
0.00
229.72
229.83
229.95
230.06
230.18
230.29
230.41
230.52
123.24
69,218.17
No.
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
Price
40,000.00
39,914.24
39,827.59
39,740.05
39,651.60
39,562.24
39,471.96
39,380.75
39,288.61
39,195.53
39,101.51
39,006.52
38,910.57
38,813.65
38,715.75
38,616.86
38,516.98
38,416.09
38,314.19
38,211.27
38,107.32
38,002.33
37,896.30
37,789.21
37,681.06
37,571.85
37,461.55
SAC
40,000.00
39,797.67
39,595.12
39,392.36
39,189.39
38,986.21
38,782.81
38,579.20
38,375.38
38,171.34
37,967.09
37,762.63
37,557.95
37,353.06
37,147.95
36,942.63
36,737.10
36,531.35
36,325.38
36,119.20
35,912.81
35,706.19
35,499.37
35,292.33
35,085.07
34,877.59
34,669.90
SAM
40,000.00
39,855.95
39,711.36
39,566.20
39,420.49
39,274.22
39,127.38
38,979.98
38,832.00
38,683.44
38,534.30
38,384.57
38,234.26
38,083.35
37,931.85
37,779.75
37,627.04
37,473.72
37,319.78
37,165.23
37,010.06
36,854.26
36,697.83
36,540.77
36,383.07
36,224.72
36,065.72
SACRE
40,000.00
39,797.67
39,593.45
39,387.34
39,179.32
38,969.37
38,757.48
38,543.64
38,327.82
38,110.01
37,890.19
37,668.35
37,444.47
37,240.20
37,034.04
36,825.98
36,616.00
36,404.09
36,190.23
35,974.40
35,756.60
35,536.79
35,314.98
35,091.14
34,865.25
34,659.08
34,451.01
27
28
29
30
31
32
33
34
35
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
73
74
75
76
77
78
79
37,350.16
37,237.68
37,124.09
37,009.38
36,893.55
36,776.59
36,658.49
36,539.23
36,418.82
36,297.23
36,174.46
36,050.51
35,925.35
35,798.99
35,671.41
35,542.60
35,412.55
35,281.26
35,148.70
35,014.88
34,879.78
34,743.39
34,605.70
34,466.70
34,326.38
34,184.73
34,041.74
33,897.39
33,751.68
33,604.60
33,456.13
33,306.26
33,154.99
33,002.29
32,848.17
32,692.60
32,535.58
32,377.09
32,217.12
32,055.66
31,892.70
31,728.23
31,562.23
31,394.69
31,225.60
31,054.95
30,882.72
30,708.91
30,533.49
30,356.45
30,177.79
29,997.49
29,815.53
34,462.00
34,253.87
34,045.53
33,836.98
33,628.20
33,419.21
33,210.00
33,000.57
32,790.93
32,581.07
32,370.99
32,160.69
31,950.17
31,739.44
31,528.48
31,317.31
31,105.92
30,894.31
30,682.48
30,470.43
30,258.16
30,045.67
29,832.96
29,620.03
29,406.88
29,193.51
28,979.92
28,766.10
28,552.07
28,337.82
28,123.34
27,908.64
27,693.72
27,478.58
27,263.22
27,047.63
26,831.82
26,615.79
26,399.54
26,183.06
25,966.37
25,749.44
25,532.30
25,314.93
25,097.33
24,879.52
24,661.48
24,443.21
24,224.72
24,006.00
23,787.07
23,567.90
23,348.51
35,906.08
35,745.77
35,584.81
35,423.18
35,260.88
35,097.90
34,934.24
34,769.90
34,604.87
34,439.15
34,272.73
34,105.60
33,937.76
33,769.21
33,599.95
33,429.96
33,259.24
33,087.78
32,915.59
32,742.65
32,568.97
32,394.53
32,219.33
32,043.37
31,866.63
31,689.12
31,510.83
31,331.75
31,151.88
30,971.21
30,789.74
30,607.45
30,424.36
30,240.44
30,055.69
29,870.12
29,683.70
29,496.44
29,308.33
29,119.36
28,929.53
28,738.84
28,547.26
28,354.81
28,161.47
27,967.23
27,772.10
27,576.06
27,379.10
27,181.23
26,982.43
26,782.70
26,582.02
34,241.03
34,029.13
33,815.30
33,599.50
33,381.74
33,161.99
32,940.24
32,716.47
32,490.67
32,262.81
32,054.79
31,844.86
31,633.02
31,419.25
31,203.54
30,985.87
30,766.22
30,544.58
30,320.93
30,095.26
29,867.54
29,637.77
29,427.95
29,216.23
29,002.58
28,787.01
28,569.48
28,349.99
28,128.52
27,905.05
27,679.57
27,452.06
27,222.50
26,990.88
26,779.34
26,565.89
26,350.52
26,133.21
25,913.95
25,692.72
25,469.51
25,244.29
25,017.06
24,787.79
24,556.47
24,323.09
24,109.93
23,894.85
23,677.85
23,458.91
23,238.01
23,015.14
22,790.28
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
29,631.91
29,446.60
29,259.61
29,070.90
28,880.47
28,688.31
28,494.39
28,298.71
28,101.26
27,902.01
27,700.96
27,498.08
27,293.37
27,086.80
26,878.37
26,668.07
26,455.86
26,241.74
26,025.70
25,807.71
25,587.77
25,365.85
25,141.94
24,916.03
24,688.10
24,458.12
24,226.10
23,992.00
23,755.81
23,517.53
23,277.11
23,034.56
22,789.86
22,542.98
22,293.91
22,042.63
21,789.13
21,533.38
21,275.37
21,015.08
20,752.50
20,487.59
20,220.35
19,950.75
19,678.78
19,404.42
19,127.65
18,848.44
18,566.79
18,282.66
17,996.05
17,706.92
17,415.26
23,128.90
22,909.06
22,688.99
22,468.70
22,248.18
22,027.44
21,806.47
21,585.27
21,363.85
21,142.20
20,920.32
20,698.22
20,475.89
20,253.33
20,030.54
19,807.53
19,584.28
19,360.81
19,137.11
18,913.19
18,689.03
18,464.65
18,240.03
18,015.19
17,790.11
17,564.81
17,339.28
17,113.52
16,887.53
16,661.30
16,434.85
16,208.17
15,981.25
15,754.11
15,526.73
15,299.12
15,071.28
14,843.21
14,614.91
14,386.38
14,157.61
13,928.61
13,699.38
13,469.91
13,240.22
13,010.28
12,780.12
12,549.72
12,319.09
12,088.23
11,857.13
11,625.80
11,394.23
26,380.40
26,177.83
25,974.30
25,769.80
25,564.33
25,357.87
25,150.43
24,941.99
24,732.55
24,522.10
24,310.64
24,098.15
23,884.63
23,670.07
23,454.46
23,237.80
23,020.07
22,801.28
22,581.41
22,360.45
22,138.40
21,915.25
21,690.99
21,465.61
21,239.11
21,011.47
20,782.69
20,552.76
20,321.67
20,089.41
19,855.98
19,621.37
19,385.56
19,148.54
18,910.32
18,670.88
18,430.21
18,188.30
17,945.14
17,700.73
17,455.05
17,208.10
16,959.86
16,710.33
16,459.50
16,207.35
15,953.89
15,699.08
15,442.94
15,185.45
14,926.59
14,666.36
14,404.75
22,563.42
22,334.54
22,103.62
21,870.64
21,635.60
21,420.94
21,204.36
20,985.85
20,765.41
20,543.00
20,318.62
20,092.25
19,863.87
19,633.47
19,401.03
19,166.53
18,929.97
18,713.96
18,496.05
18,276.20
18,054.41
17,830.67
17,604.94
17,377.23
17,147.51
16,915.77
16,681.98
16,446.14
16,208.23
15,991.11
15,772.08
15,551.12
15,328.21
15,103.35
14,876.52
14,647.70
14,416.87
14,184.02
13,949.13
13,712.19
13,473.17
13,255.24
13,035.41
12,813.65
12,589.95
12,364.30
12,136.69
11,907.08
11,675.48
11,441.85
11,206.20
10,968.49
10,728.72
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180
17,121.05
16,824.27
16,524.90
16,222.91
15,918.29
15,611.02
15,301.07
14,988.42
14,673.05
14,354.93
14,034.06
13,710.40
13,383.93
13,054.63
12,722.47
12,387.44
12,049.51
11,708.65
11,364.85
11,018.08
10,668.31
10,315.52
9,959.70
9,600.80
9,238.81
8,873.71
8,505.46
8,134.05
7,759.45
7,381.62
7,000.56
6,616.22
6,228.59
5,837.63
5,443.33
5,045.64
4,644.56
4,240.04
3,832.07
3,420.61
3,005.63
2,587.11
2,165.02
1,739.33
1,310.02
877.04
440.38
-
11,162.43
10,930.39
10,698.12
10,465.62
10,232.88
9,999.90
9,766.69
9,533.24
9,299.56
9,065.64
8,831.48
8,597.09
8,362.46
8,127.59
7,892.49
7,657.15
7,421.57
7,185.76
6,949.71
6,713.42
6,476.89
6,240.12
6,003.12
5,765.88
5,528.39
5,290.67
5,052.71
4,814.51
4,576.07
4,337.40
4,098.48
3,859.32
3,619.92
3,380.28
3,140.40
2,900.28
2,659.92
2,419.32
2,178.48
1,937.39
1,696.07
1,454.50
1,212.69
970.63
728.34
485.80
243.02
-
14,141.74
13,877.33
13,611.51
13,344.27
13,075.58
12,805.46
12,533.88
12,260.83
11,986.30
11,710.29
11,432.77
11,153.74
10,873.19
10,591.11
10,307.48
10,022.29
9,735.54
9,447.20
9,157.28
8,865.75
8,572.60
8,277.82
7,981.41
7,683.34
7,383.60
7,082.19
6,779.09
6,474.28
6,167.76
5,859.51
5,549.52
5,237.77
4,924.25
4,608.96
4,291.86
3,972.96
3,652.24
3,329.68
3,005.27
2,679.00
2,350.85
2,020.80
1,688.85
1,354.98
1,019.18
681.42
341.70
0.00
10,510.46
10,290.30
10,068.22
9,844.22
9,618.27
9,390.36
9,160.47
8,928.59
8,694.70
8,458.78
8,220.83
7,980.82
7,763.01
7,543.31
7,321.72
7,098.21
6,872.78
6,645.39
6,416.05
6,184.73
5,951.41
5,716.09
5,478.74
5,239.35
5,023.56
4,805.91
4,586.38
4,364.97
4,141.66
3,916.44
3,689.28
3,460.17
3,229.10
2,996.06
2,761.01
2,523.96
2,314.79
2,103.83
1,891.06
1,676.48
1,460.06
1,241.80
1,021.68
799.67
575.78
349.98
122.26
0.00
Breno de Campos
M x SACRE"
Price
SAC
SACR
E
SAM
CONSRCIO x FINANCIAMENTO
Financiamento
VPL
-8,797.95
CONSRCIO
Sorteio
1o. Ms
Sorteio
12o. Ms
Sorteio
20o. Ms
Sorteio
36o. Ms
4,977.70
1,898.21
-138.94
-3,757.52
1.0%
Taxa
Juro Fin.
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
2.00%
30,000.00
-863.04
-863.04
-863.04
-863.04
-863.04
-863.04
-863.04
-863.04
-863.04
-863.04
-863.04
-863.04
-863.04
-863.04
-863.04
-863.04
-863.04
-863.04
-863.04
-863.04
-863.04
-863.04
-863.04
-863.04
-863.04
-863.04
-863.04
-863.04
-863.04
Taxa Adm.
Prestao
29,450.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
10.0%
550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
29,450.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
Prazo (meses)
###
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
29,450.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
30
31
32
33
34
35
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
-863.04
-863.04
-863.04
-863.04
-863.04
-863.04
-863.04
-863.04
-863.04
-863.04
-863.04
-863.04
-863.04
-863.04
-863.04
-863.04
-863.04
-863.04
-863.04
-863.04
-863.04
-863.04
-863.04
-863.04
-863.04
-863.04
-863.04
-863.04
-863.04
-863.04
-863.04
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
29,450.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
Breno de Campos
IO
Sorteio
48o. Ms
Sorteio
60o. Ms
-6,117.46
-8,211.78
60
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
29,450.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
-550.00
29,450.00
1,000,000.00 US$
12 Semestres
4 Semestres
6.00% aa
1.50% aa
Comisso Repasse :
Imposto de Renda :
Flat Fee :
Flat Fee em US$ :
2.00%
15.00%
1.00%
10,000.00
11.18%
Semestre
Saldo Dev.
Amortizao
Juros
Com. Repasse
Imp. Renda
Total Pgto
Fluxo de Caixa
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
916,666.67
833,333.33
750,000.00
666,666.67
583,333.33
500,000.00
416,666.67
333,333.33
250,000.00
166,666.67
83,333.33
0.00
0.00
0.00
0.00
0.00
83,333.33
83,333.33
83,333.33
83,333.33
83,333.33
83,333.33
83,333.33
83,333.33
83,333.33
83,333.33
83,333.33
83,333.33
37,500.00
37,500.00
37,500.00
37,500.00
37,500.00
34,375.00
31,250.00
28,125.00
25,000.00
21,875.00
18,750.00
15,625.00
12,500.00
9,375.00
6,250.00
3,125.00
10,000.00
10,000.00
10,000.00
10,000.00
10,000.00
9,166.67
8,333.33
7,500.00
6,666.67
5,833.33
5,000.00
4,166.67
3,333.33
2,500.00
1,666.67
833.33
5,625.00
5,625.00
5,625.00
5,625.00
5,625.00
5,156.25
4,687.50
4,218.75
3,750.00
3,281.25
2,812.50
2,343.75
1,875.00
1,406.25
937.50
468.75
53,125.00
53,125.00
53,125.00
53,125.00
136,458.33
132,031.25
127,604.17
123,177.08
118,750.00
114,322.92
109,895.83
105,468.75
101,041.67
96,614.58
92,187.50
87,760.42
990,000.00
-53,125.00
-53,125.00
-53,125.00
-53,125.00
-136,458.33
-132,031.25
-127,604.17
-123,177.08
-118,750.00
-114,322.92
-109,895.83
-105,468.75
-101,041.67
-96,614.58
-92,187.50
-87,760.42
1,000,000.00
393,750.00
105,000.00
59,062.50
1,557,812.50
Total
Breno de Campos
360,000.00
5.50%
5.50%
2.00%
7.50%
1.50%
TJLP :
Parcela de Juro da TJLP :
Spread Bsico
Juros TJLP + Spread :
Spread de Risco/Del Credere :
Dias do ano :
360
Dias
Saldo Devedor
15-Dec-12
15-Jan-13
15-Feb-13
15-Mar-13
15-Apr-13
15-May-13
15-Jun-13
15-Jul-13
15-Aug-13
15-Sep-13
15-Oct-13
15-Nov-13
15-Dec-13
15-Jan-14
15-Feb-14
15-Mar-14
15-Apr-14
15-May-14
15-Jun-14
15-Jul-14
15-Aug-14
15-Sep-14
15-Oct-14
15-Nov-14
15-Dec-14
15-Jan-15
15-Feb-15
15-Mar-15
15-Apr-15
15-May-15
15-Jun-15
15-Jul-15
15-Aug-15
15-Sep-15
15-Oct-15
15-Nov-15
15-Dec-15
15-Jan-16
15-Feb-16
15-Mar-16
15-Apr-16
15-May-16
15-Jun-16
15-Jul-16
15-Aug-16
15-Sep-16
15-Oct-16
15-Nov-16
15-Dec-16
Total
90
92
92
91
31
31
28
31
30
31
30
31
31
30
31
30
31
31
28
31
30
31
30
31
31
30
31
30
31
31
29
31
30
31
30
31
31
30
31
30
12 meses
36 meses
48 meses
URTJ (**)
9.23%
9.23%
Data
Carncia :
Amortizao :
Prazo Total :
Moeda :
Amortizao
Pagamento
Fluxo de Caixa
360,000.00
360,000.00
360,000.00
360,000.00
0
0
0
0
0
0
0
0
0.00
0.00
360,000.00
6,568.06
1,342.47
7,910.53
-7,910.53
360,000.00
360,000.00
360,000.00
360,000.00
360,000.00
360,000.00
360,000.00
360,000.00
360,000.00
350,000.00
340,000.00
330,000.00
320,000.00
310,000.00
300,000.00
290,000.00
280,000.00
270,000.00
260,000.00
250,000.00
240,000.00
230,000.00
220,000.00
210,000.00
200,000.00
190,000.00
180,000.00
170,000.00
160,000.00
150,000.00
140,000.00
130,000.00
120,000.00
110,000.00
100,000.00
90,000.00
80,000.00
70,000.00
60,000.00
50,000.00
40,000.00
30,000.00
20,000.00
10,000.00
0.00
0
0
0
0
0
0
0
0
0
10,000.00
10,000.00
10,000.00
10,000.00
10,000.00
10,000.00
10,000.00
10,000.00
10,000.00
10,000.00
10,000.00
10,000.00
10,000.00
10,000.00
10,000.00
10,000.00
10,000.00
10,000.00
10,000.00
10,000.00
10,000.00
10,000.00
10,000.00
10,000.00
10,000.00
10,000.00
10,000.00
10,000.00
10,000.00
10,000.00
10,000.00
10,000.00
10,000.00
10,000.00
10,000.00
10,000.00
0
0
6,715.37
0
0
6,715.37
0
0
6,641.70
2,248.94
2,186.47
1,917.87
2,061.52
1,934.37
1,936.58
1,813.48
1,811.64
1,749.17
1,632.13
1,624.23
1,511.23
1,499.29
1,436.82
1,240.97
1,311.88
1,208.98
1,186.94
1,088.09
1,062.00
999.53
906.74
874.59
785.84
749.65
687.17
584.28
562.23
483.59
437.29
362.70
312.35
249.88
181.35
124.94
60.45
0
0
1,372.36
0
0
1,372.36
0
0
1,357.42
461.84
449.01
393.95
423.36
397.28
397.70
372.45
372.04
359.21
335.20
333.55
310.37
307.90
295.07
254.91
269.41
248.30
243.75
223.47
218.09
205.26
186.22
179.61
161.39
153.95
141.12
120.01
115.46
99.32
89.80
74.49
64.14
51.32
37.24
25.66
12.41
0
0
8,087.73
0
0
8,087.73
0
0
7,999.12
12,710.78
12,635.48
12,311.82
12,484.88
12,331.65
12,334.28
12,185.92
12,183.68
12,108.38
11,967.33
11,957.78
11,821.60
11,807.19
11,731.89
11,495.88
11,581.29
11,457.28
11,430.69
11,311.55
11,280.09
11,204.79
11,092.96
11,054.19
10,947.23
10,903.59
10,828.29
10,704.29
10,677.69
10,582.91
10,527.10
10,437.18
10,376.50
10,301.20
10,218.59
10,150.60
10,072.86
0.00
0.00
-8,087.73
0.00
0.00
-8,087.73
0.00
0.00
-7,999.12
-12,710.78
-12,635.48
-12,311.82
-12,484.88
-12,331.65
-12,334.28
-12,185.92
-12,183.68
-12,108.38
-11,967.33
-11,957.78
-11,821.60
-11,807.19
-11,731.89
-11,495.88
-11,581.29
-11,457.28
-11,430.69
-11,311.55
-11,280.09
-11,204.79
-11,092.96
-11,054.19
-10,947.23
-10,903.59
-10,828.29
-10,704.29
-10,677.69
-10,582.91
-10,527.10
-10,437.18
-10,376.50
-10,301.20
-10,218.59
-10,150.60
-10,072.86
360,000.00
67,465.68
13,828.87
441,294.55
ANLISE DE INVESTIMENTO
Funes Financeiras do Excel
Verso 3.75
19-Sep-12
BRENO DE CAMPOS
(31) 3227-4852
brenocampos@terra.com.br
Breno de Campos
NTO
Excel
ROI
RENTABILIDADE
DO
INVESTIMENTO
INVESTIMENTO
PROJETO
TOTAL
Kd
CMPC ou
TMA
$100,000
"Return on Investment"
ROI
Anlise Econmica
18.00%
Ke
Pgina 253
ROI
Pgina 254
ROI
Pgina 255
ROI
Breno de Campos
Pgina 256
ROI
$60,000
Wd
$40,000
We
de Atratividade :
12.24%
30%
Pgina 257
ROI
Pgina 258
ROI
Pgina 259
ROI
Pgina 260
ROE
FINANCIAMENTO (DEBT)
12.00%
K
60.0%
Wd
PROJETO
TOTAL
100,000
18.00%
K
40.0%
We
Pgina 261
ROE
Pgina 262
ROE
Pgina 263
ROE
Breno de Campos
Pgina 264
ROE
CIAMENTO (DEBT)
60,000
PRPRIO (EQUITY)
40,000
We
Pgina 265
ROE
Pgina 266
ROE
Pgina 267
ROE
Pgina 268
BASE DE CLCULO
Lucro Tributvel
Contrib. Social : 9% sobre BC
IR Federal : 15% sobre BC
10% sobre BC (*)
VALOR (R$)
PERCENTUAL
100,000.00
100.00%
9.00%
9%
100,000.00
9,000.00
15%
100,000.00
15,000.00
10%
240,000.00
Total IR Total
15,000.00
15.00%
IR + Contribuio Social
24,000.00
24.00%
R$ 240,000.00
(Base anual)
2015
2016
2017
-200,000
100,000
200,000
(200,000)
0
-200,000
-30,000
-170,000
-60,000
-110,000
-200,000
70,000
140,000
(16,800)
(33,600)
(200,000)
83,200
166,400
R$
240,000.00
LUCRO TRIBUTVEL
Prejuzo
Prej a compensar
30%
PREJUZO ACUM.
Base clculo IR/CS
IR/CSLL
LUCRO LQUIDO
IR/CSLL BSICO
ADICIONAL
24.0%
10.0% acima de
Breno de Campos
A CONTRIBUIO SOCIAL
2018
2019
600,000
900,000
-110,000
0
490,000
900,000
(142,600)
(282,000)
457,400
618,000
MODELO CAPM
"Capital Asset Pricing Model"
CUSTO CAP. PRPRIO = TX S/ RISCO + BETA X ( RENTAB. MKT - TAXA S/ RISCO)
4.0% aa
13.0% aa
BETA
1.97
(Ke)
21.7% aa
CLCULO DO BETA
Mercado (x)
23.8%
-7.2%
10.0%
6.6%
-10.5%
20.6%
Cia A (y)
38.6%
-24.7%
18.0%
12.3%
-20.4%
40.1%
BETA (*)
BETA (**)
1.9684
1.9684
0
7.2%
10.7%
14.0%
28.0%
12.8%
25.6%
3.2%
<<< Covarincia
Mercado x Empresa
50.0%
40.0%
Mercad
30.0%
Empres
Mercado x Empresa
50.0%
40.0%
Mercad
Empres
30.0%
20.0%
10.0%
0.0%
1
-10.0%
-20.0%
-30.0%
Breno de Campos
TAXA S/ RISCO)
n. IBOVESPA
Cia B (y)
0 = Beta <0
0 <> Beta > 1
do x Empresa
rcado / Var. do Mercado
Mercado
Empresa
9.0%
-1.4%
4.7%
2.4%
-3.4%
11.4%
Cia A
(y)
38.6%
-24.7%
18.0%
12.3%
-20.4%
40.1%
Mercado
Empresa
Ano 0
CUSTOS TOTAIS
LUCRO OPERACIONAL
DEPRECIAO (Vida til : 5 anos)
LUCRO TRIBUTVEL
LUCRO LQUIDO
Ajustes
DEPRECIAO
VALOR RESIDUAL - VENDA DO VECULO
RECUPERAO CAPITAL DE GIRO
FLUXO CAIXA DO PROJETO
RENTABILIDADE DO PROJETO
O Projeto
TAXA MNIMA DE ATRATIVIDADE
Capital de Terceiros
Capital Prprio
Ano 2
Ano 3
60,000
60,000
60,000
-48,000
-48,000
-48,000
12,000
12,000
12,000
-5,000
-5,000
-5,000
7,000
7,000
7,000
-2,100
-2,100
-2,100
4,900
4,900
4,900
5,000
5,000
5,000
9,900
9,900
9,900
IR/CS
30.00%
Tx Lq.
8.40%
18.00%
-30,000
-2,000
RECEITA LQUIDA
Ano 1
30.0%
-32,000
Vivel
Perc.
60.00%
40.00%
20.55% aa
Economicamente
Tx Bruta
12.00%
18.00%
Ano 0
Ano 1
Ano 2
Ano 3
FINANCIAMENTO
SALDO DEVEDOR
JUROS
AMORTIZAO
19,200
19,200
12.0%
3
19,200
-2,304
0
12,800
-2,304
-6,400
6,400
-1,536
-6,400
FLUXO DO FINANCIAMENTO
19,200
-2,304
-8,704
-7,936
Ano 1
Ano 2
Ano 3
60,000
-48,000
12,000
-2,304
-5,000
4,696
-1,409
3,287
60,000
-48,000
12,000
-2,304
-5,000
4,696
-1,409
3,287
60,000
-48,000
12,000
-1,536
-5,000
5,464
-1,639
3,825
5,000
5,000
5,000
-6,400
-6,400
8,287
1,887
2,425
Avaliao Financeira
DISCRIMINAO
Ano 0
INVESTIMENTO
CAPITAL DE GIRO
RECEITA LQUIDA
CUSTOS TOTAIS
LUCRO OPERACIONAL
DESPESAS FINANCEIRAS
DEPRECIAO (Vida til : 5 anos)
LUCRO TRIBUTVEL
IMP. RENDA/CONTRIB. SOC.
LUCRO LQUIDO
Ajustes
DEPRECIAO
FINANCIAMENTO
AMORTIZAO
VALOR RESIDUAL - VENDA DO VECULO
RECUPERAO CAPITAL DE GIRO
-30,000
-2,000
-12,800
5
30.0%
19,200
35.08% aa
RENTABILIDADE DO PROJETO
20.55% aa
18.00% aa
O Projeto
Vivel
Financeiramente
Ano 4
Ano 5
60,000
60,000
-48,000
-48,000
12,000
12,000
-5,000
-5,000
7,000
7,000
-2,100
-2,100
4,900
4,900
5,000
5,000
5,000
2,000
16,900
9,900
VPL DO PROJETO :
7,405.82
12.24%
Ano 4
-768
-6,400
Ano 5
-7,168
Ano 4
Ano 5
60,000
-48,000
12,000
-768
-5,000
6,232
-1,870
4,362
60,000
-48,000
12,000
0
-5,000
7,000
-2,100
4,900
5,000
5,000
-6,400
0
5,000
2,000
16,900
2,962
Ano 0
Ano 1
Ano 2
Ano 3
70,000
-3,955
70,000
-3,955
70,000
-3,955
66,045
66,045
66,045
-48,000
-48,000
-48,000
-30,000
-2,000
5.65%
RECEITA LQUIDA
CUSTOS TOTAIS
LUCRO PRESUMIDO s/ Rec. Bruta
15.0%
10,500
10,500
10,500
24.0%
-2,520
-2,520
-2,520
15,525
15,525
15,525
15,525
15,525
15,525
IR/CSLL
0.00%
Tx Lq.
12.00%
18.00%
LUCRO LQUIDO
Ajustes
VALOR RESIDUAL - VENDA DO VECULO
RECUPERAO CAPITAL DE GIRO
FLUXO CAIXA DO PROJETO
RENTABILIDADE DO PROJETO
O Projeto
-32,000
Vivel
Perc.
60.00%
40.00%
41.59% aa
Economicamente
Tx Bruta
12.00%
18.00%
Ano 0
Ano 1
Ano 2
Ano 3
19,200
19,200
12.00%
3
19,200
-2,304
0
12,800
-2,304
-6,400
6,400
-1,536
-6,400
19,200
-2,304
-8,704
-7,936
Ano 1
Ano 2
Ano 3
70,000
-3,955
66,045
-48,000
10,500
-2,520
15,525
70,000
-3,955
66,045
-48,000
10,500
-2,520
15,525
70,000
-3,955
66,045
-48,000
10,500
-2,520
15,525
Avaliao Financeira
DISCRIMINAO
Ano 0
INVESTIMENTO
CAPITAL DE GIRO
RECEITA BRUTA
Impostos s/ Receita Bruta
RECEITA LQUIDA
CUSTOS TOTAIS
LUCRO PRESUMIDO s/ Rec. Bruta
IMP. RENDA/CONTRIB. SOC.
LUCRO LQUIDO
Ajustes
FLUXO DO FINANCIAMENTO
VALOR RESIDUAL - VENDA DO VECULO
RECUPERAO CAPITAL DE GIRO
-30,000
-2,000
19,200
-2,304
-8,704
-7,936
-12,800
13,221
6,821
7,589
5.65%
15.0%
24.0%
79.56% aa
RENTABILIDADE DO PROJETO
41.59% aa
18.00% aa
O Projeto
Vivel
Financeiramente
Ano 5
70,000
-3,955
70,000
-3,955
66,045
66,045
-48,000
-48,000
10,500
10,500
-2,520
-2,520
15,525
15,525
15,525
5,000
2,000
22,525
VPL DO PROJETO :
24,362.63
14.40%
Ano 4
Ano 5
0
-768
-6,400
-7,168
Ano 4
Ano 5
70,000
-3,955
66,045
-48,000
10,500
-2,520
15,525
70,000
-3,955
66,045
-48,000
10,500
-2,520
15,525
-7,168
0
5,000
2,000
22,525
8,357
Ano 0
12.50%
CUSTOS TOTAIS
RENTABILIDADE DO PROJETO
O Projeto
Ano 2
Ano 3
70,000
-8,750
70,000
-8,750
70,000
-8,750
61,250
61,250
61,250
-48,000
-48,000
-48,000
13,250
13,250
13,250
13,250
13,250
13,250
IR/CSLL
0.00%
Tx Lq.
12.00%
18.00%
-30,000
-2,000
RECEITA LQUIDA
LUCRO LQUIDO
Ajustes
VALOR RESIDUAL - VENDA DO VECULO
RECUPERAO CAPITAL DE GIRO
FLUXO CAIXA DO PROJETO
Ano 1
-32,000
Vivel
Perc.
60.00%
40.00%
33.30% aa
Economicamente
Tx Bruta
12.00%
18.00%
Ano 0
Ano 1
Ano 2
Ano 3
19,200
19,200
12.00%
3
19,200
-2,304
0
12,800
-2,304
-6,400
6,400
-1,536
-6,400
19,200
-2,304
-8,704
-7,936
Ano 1
Ano 2
Ano 3
70,000
-8,750
61,250
-48,000
13,250
70,000
-8,750
61,250
-48,000
13,250
70,000
-8,750
61,250
-48,000
13,250
Avaliao Financeira
DISCRIMINAO
Ano 0
INVESTIMENTO
CAPITAL DE GIRO
RECEITA BRUTA
Impostos s/ Receita Bruta - Simples
RECEITA LQUIDA
CUSTOS TOTAIS
LUCRO LQUIDO
Ajustes
FLUXO DO FINANCIAMENTO
VALOR RESIDUAL - VENDA DO VECULO
RECUPERAO CAPITAL DE GIRO
-30,000
-2,000
19,200
-2,304
-8,704
-7,936
-12,800
10,946
4,546
5,314
12.50%
59.85% aa
RENTABILIDADE DO PROJETO
33.30% aa
18.00% aa
O Projeto
Vivel
Financeiramente
Ano 5
70,000
-8,750
70,000
-8,750
61,250
61,250
-48,000
-48,000
13,250
13,250
13,250
5,000
2,000
20,250
VPL DO PROJETO :
16,626.88
14.40%
Ano 4
Ano 5
0
-768
-6,400
-7,168
Ano 4
Ano 5
70,000
-8,750
61,250
-48,000
13,250
70,000
-8,750
61,250
-48,000
13,250
-7,168
0
5,000
2,000
20,250
6,082
Ano 0
Ano 1
Ano 2
Ano 3
Ano 4
INVESTIMENTO
Valor Residual
CAPITAL DE GIRO
RECEITA
Reajuste dos Preos
CUSTOS TOTAIS
Reajuste dos Custos
LUCRO OPERACIONAL
-30,000.00
5,000.00
-2,000.00
60,000.00
66,000.00
72,600.00
79,860.00
87,846.00
10%
10%
10%
10%
-48,000.00 -52,800.00
-58,080.00
-63,888.00
-70,276.80
DEPRECIAO
Reajuste p/ Inflao
LUCRO OPERACIONAL
IMP. RENDA/CONTRIB. SOC.
10%
10%
10%
10%
13,200.00
14,520.00
15,972.00
17,569.20
-5,000.00
-5,500.00
-6,050.00
-6,655.00
-7,320.50
10%
10%
10%
10%
7,700.00
-2,310.00
8,470.00
-2,541.00
9,317.00
-2,795.10
10,248.70
-3,074.61
5,390.00
5,929.00
6,521.90
7,174.09
5,500.00
6,050.00
6,655.00
7,320.50
10,890
11,979
13,177
14,495
30.0%
LUCRO LQUIDO
Ajustes
DEPRECIAO
VALOR RESIDUAL - VENDA DO VECULO
RECUPERAO CAPITAL DE GIRO
-32,000
Taxa de Inflao
32.61% aa
Economicamente
VPL DO PROJETO :
10.0% aa
20.55% aa
Perc.
60.00%
40.00%
Taxa Real
Bruta
IR/CS
12.00%
30.00%
18.00%
-
Lquida
8.40%
18.00%
TMA
Real
12.24%
Breno de Campos
Ano 5
96,630.60
10%
-77,304.48
10%
19,326.12
-8,052.55
10%
11,273.57
-3,382.07
7,891.50
8,052.55
8,052.55
3,221.02
27,218
PL DO PROJETO :
7,405.82
TMA
Nominal
23.46%
19.24%
29.80%
PAYBACK
Start-up
Anos
0
1
2
3
4
5
6
7
Fluxo de
Caixa
Fluxo Caixa
Acumulado
(1,000.00)
(1,000.00)
400.00
(600.00)
500.00
(100.00)
500.00
400.00
600.00
1,000.00
700.00
1,700.00
700.00
2,400.00
700.00
3,100.00
PAYBACK anos
Teste
3,000
2.20
2.20
2,000
1,000
0
-1,000
-2,000
Anos
0
1
2
3
4
5
6
7
Fluxo de
Caixa
(1,000.00)
500.00
500.00
500.00
500.00
500.00
500.00
500.00
PAYBACK
Start-up
12.00%
Fluxo Caixa
Desc.
(1,000.00)
446.43
398.60
355.89
317.76
283.71
253.32
226.17
Fluxo Caixa
Desc. Acum.
(1,000.00)
(553.57)
(154.97)
200.92
518.67
802.39
1,055.70
1,281.88
anos
Teste
1,000
2.44
2.44
0
0
-1,000
-2,000
Anos
Breno de Campos
Caixa Acumulado
Anos
xo de Caixa Acumulado
Anos
Fluxo de Caixa
(1,000.00)
0
1
(200.00)
300.00
2
3
400.00
400.00
4
5
500.00
500.00
6
7
500.00
Total
1,400.00
VP Fluxos Negativos
VP Fluxos Positivos
Soma
Fluxo de Caixa
Descontado
(1,000.00)
VPL
(178.57)
239.16
284.71
254.21
283.71
253.32
226.17
362.71
(1,178.57)
1,541.28
362.71
Taxa Desc.
1,000
500
-500
Tx. Desconto
362.71
12.00% aa
Dados p/ Grfico
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
Taxa
0.00%
1.00%
2.00%
3.00%
4.00%
5.00%
6.00%
7.00%
8.00%
9.00%
10.00%
11.00%
12.00%
13.00%
14.00%
15.00%
16.00%
17.00%
18.00%
19.00%
20.00%
21.00%
22.00%
23.00%
24.00%
25.00%
26.00%
TIR
VPL
1,400.00
1,281.81
1,170.87
1,066.65
968.66
876.46
789.64
707.83
630.68
557.88
489.12
424.15
362.71
304.57
249.52
197.36
147.91
100.99
56.46
14.17
(26.02)
(64.24)
(100.60)
(135.21)
(168.18)
(199.59)
(229.54)
19.35%
2
27
28
29
30
27.00%
28.00%
29.00%
30.00%
(258.11)
(285.37)
(311.41)
(336.28)
Breno de Campos
0.00% Mn
38.69% Mx
1.00% Delta
Fluxo de Caixa
(1,000.00)
0
1
(200.00)
300.00
2
3
400.00
400.00
4
5
500.00
500.00
6
7
500.00
Total
1,400.00
VP Fluxos Negativos
VP Fluxos Positivos
Soma
Fluxo de Caixa
Descontado
(1,000.00)
VPL
(178.57)
239.16
284.71
254.21
283.71
253.32
226.17
362.71
(1,178.57)
1,541.28
362.71
Taxa Desc.
362.71
12.00% aa
Rentabilidade do Investimento
TIR
19.35% aa
1,000
Taxa
Interna de
Retorno
500
-500
Tx. Desconto
Dados p/ Grfico
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
Taxa
0.00%
1.00%
2.00%
3.00%
4.00%
5.00%
6.00%
7.00%
8.00%
9.00%
10.00%
11.00%
12.00%
13.00%
14.00%
15.00%
16.00%
17.00%
18.00%
19.00%
20.00%
21.00%
22.00%
23.00%
24.00%
25.00%
26.00%
TIR
VPL
1,400.00
1,281.81
1,170.87
1,066.65
968.66
876.46
789.64
707.83
630.68
557.88
489.12
424.15
362.71
304.57
249.52
197.36
147.91
100.99
56.46
14.17
(26.02)
(64.24)
(100.60)
(135.21)
(168.18)
(199.59)
(229.54)
19.35%
2
27
28
29
30
27.00%
28.00%
29.00%
30.00%
(258.11)
(285.37)
(311.41)
(336.28)
Breno de Campos
Investimento
Taxa
Interna de
Retorno
0.00% Mn
38.69% Mx
1.00% Delta
aa
8.0%
10.0%
15.0%
VPL
Fluxo de
Caixa A
-1,200.00
1,002.81
500.00
100.00
402.81
Fluxo de
Caixa B
-1,200.00
85.45
600.00
1,100.00
585.45
23.0%
16.9%
236.58
200.00
115.83
266.74
200.00
51.26
Projeto B
Projeto A
400
200
0
-200
-400
Dados p/ Grfico
TIR
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
Taxa
0.00%
1.00%
2.00%
3.00%
4.00%
5.00%
6.00%
7.00%
8.00%
9.00%
10.00%
11.00%
12.00%
13.00%
14.00%
15.00%
16.00%
17.00%
18.00%
19.00%
20.00%
21.00%
22.00%
23.00%
24.00%
25.00%
26.00%
27.00%
28.00%
29.00%
30.00%
VPL
402.81###
380.09
357.96
336.41
315.42
294.96
275.01
255.55
236.58
218.07
200.00
182.36
165.14
148.32
131.89
115.83
100.14
84.80
69.79
55.12
40.77
26.72
12.98
(0.48)
(13.65)
(26.55)
(39.19)
(51.57)
(63.70)
(75.58)
(87.23)
VPL
585.45
540.43
497.03
455.17
414.79
375.82
338.19
301.85
266.74
232.80
200.00
168.27
137.57
107.86
79.11
51.26
24.28
(1.85)
(27.18)
(51.74)
(75.55)
(98.65)
(121.06)
(142.82)
(163.93)
(184.44)
(204.36)
(223.71)
(242.51)
(260.79)
(278.56)
Breno de Campos
0.00% Mn
30.00% Mx
1.00% Delta
0
1
2
3
4
5
6
7
Total
Fluxo de Caixa A
(1,000.00)
600.00
600.00
600.00
600.00
600.00
600.00
600.00
3,200.00
Fluxo de Caixa B
(1,000.00)
800.00
800.00
800.00
800.00
Fluxo de Caixa A
VPL A
SUL A
Fluxo de Caixa B
VPL B
SUL B
2,200.00
Taxa Desc.
Breno de Campos
Fluxo de Caixa A
1,738.25
380.88
Fluxo de Caixa B
1,429.88
470.77
12.0% aa
0
1
2
3
VPL
Anos
0
1
2
3
VPL
Fluxo de Caixa
Fluxos Negativos Fluxos Positivos
A
(20,000.00)
(20,000.00)
0.00
12,000.00
12,000.00
12,000.00
7,398.70
0.00
0.00
0.00
(20,000.00)
12,000.00
12,000.00
12,000.00
27,398.70
Fluxo de Caixa
Fluxos Negativos Fluxos Positivos
B
(60,000.00)
(60,000.00)
0.00
30,000.00
36,000.00
36,000.00
16,978.71
0.00
0.00
0.00
(60,000.00)
30,000.00
36,000.00
36,000.00
76,978.71
Fluxo de Caixa A
VPL
IB/C
Taxa Desc.
Fluxo de Caixa B
VPL
IB/C
Breno de Campos
Fluxo de Caixa A
7,398.70
1.37
15.00% aa
Fluxo de Caixa B
16,978.71
1.28
0
1
2
3
Fluxo de Caixa
(1,560.00)
6,084.00
(7,893.60)
3,407.04
VPL
Taxa Desc.
VPL
Taxa Desc.
VPL
Taxa Desc.
0.00
TIR (1) =
20.00% aa
0.00
TIR (2) =
30.00% aa
0.00
TIR (3) =
40.00% aa
Taxas Mltiplas
1
1
0
-1
-1
-2
Tx. Desconto
Dados p/ Grfico
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
Taxa
16.00%
17.00%
18.00%
19.00%
20.00%
21.00%
22.00%
23.00%
24.00%
25.00%
26.00%
27.00%
28.00%
29.00%
30.00%
31.00%
32.00%
33.00%
34.00%
35.00%
36.00%
37.00%
38.00%
39.00%
40.00%
41.00%
42.00%
TIR
VPL
1.34
0.87
0.50
0.21
(0.15)
(0.25)
(0.30)
(0.31)
(0.30)
(0.26)
(0.21)
(0.14)
(0.07)
0.07
0.13
0.18
0.22
0.24
0.24
0.22
0.17
0.10
(0.13)
(0.29)
16.00%
45.00%
1.00%
27
28
29
30
43.00%
44.00%
45.00%
46.00%
(0.48)
(0.70)
(0.96)
(1.25)
Breno de Campos
20.0% aa
30.0% aa
40.0% aa
Incio
Final
Delta
MTIR
Fluxo de Caixa
(1,000.00)
3,000.00
(4,000.00)
5,000.00
6,000.00
Total
TIR
Fluxo de Caixa
Positivos
Reinvestidos
Fluxo de Caixa
Negativos
Descontados
0.00
4,214.78
0.00
5,600.00
6,000.00
(1,000.00)
0.00
(3,188.78)
0.00
0.00
15,814.78
(4,188.78)
155.86%
Taxas
Fluxo de Caixa
Modificado
(4,188.78)
0.00
0.00
0.00
15,814.78
TIRM
39.39%
Funo MTIR
39.39%
Desc. / Financ.
Re-investimento
12.00%
12.00%
Pgina 368
MTIR
Pgina 369
MTIR
Pgina 370
MTIR
Pgina 371
MTIR
Pgina 372
MTIR
Pgina 373
MTIR
Breno de Campos
Pgina 374
ANLISE DE SENSIBILIDADE
IV - CONSTRUO DE CENRIOS
Investimento
18.21%
18.21%
-10.0%
-10.0%
-10.0%
-10.0%
0.0%
0.0%
0.0%
0.0%
10.0%
10.0%
10.0%
10.0%
15.06%
Variao
Valor Residual
4.18%
Capital de Giro
18.21%
-10.0%
-10.0%
-10.0%
0.0%
0.0%
0.0%
10.0%
10.0%
10.0%
0.05%
Variao
0.39%
-5.0%
0.0%
5.0%
10.0%
-20%
-10%
0%
0%
10%
20%
9.01%
Alquota IR / CS
18.21%
Custo
Varivel
Variao
18.21%
Variao
-10.0%
Custos Fixos
18.21%
Variao
18.21%
Custo Varivel
18.21%
Variao
1.41%
Variao
1.50%
Anlise de Sensibilidade
35.0%
30.0%
Preo
25.0%
Inv estimento
Custo Var.
20.0%
Custo Fixo
TIR
15.0%
Valor
Residual
10.0%
Capital de
Giro
IR/CS
5.0%
0.0%
-10%
0%
10%
% Base
Variao
-10%
0%
10%
Investimen
Custo Var.
to
1.86%
23.13%
26.92%
18.21%
18.21%
18.21%
32.49%
14.60%
8.80%
Preo
Custo
Valor Capital de
Fixo
Residual
Giro
19.70% 18.16% 18.61%
18.21% 18.21% 18.21%
16.70% 18.26% 17.83%
IR/CS
19.62%
18.21%
16.79%
Breno de Campos
Preo
Inv estimento
Custo Var.
Custo Fixo
Valor
Residual
Capital de
Giro
IR/CS
10%
Projeto X
Descrio
Investimento
100,000
Capital de Giro
10
TMA (aa)
Indicadores de Desempenho
VPL
31,874
OK
PayBack (anos)
4.70 IB/C
TIR
18.21%
OK
PayBack Desc.(anos)
7.34 SUL
Exposio Mx.
-110,000
TMA
VPL
TIR
PayBack
0 (110,000)
1 23,400
2 23,400
3 23,400
4 23,400
5 23,400
6 23,400
7 23,400
8 23,400
9 23,400
10 53,400
(110,000)
(86,600)
(63,200)
(39,800)
(16,400)
7,000
30,400
53,800
77,200
100,600
154,000
12.00% IB/C
31,874 SUL
18.21%
4.70 PayBack D
4.70
-
1.29
5,641.27
7.34
(110,000) (110,000)
20,893
(89,107)
18,654
(70,453)
16,656
(53,797)
14,871
(38,926)
13,278
(25,648)
11,855
(13,793)
10,585
(3,208)
9,451
6,243
8,438
14,681
17,193
31,874
4.70
(110,000)
Breno de Campos
oduo
Valor Residual
20,000
1.29
OK
5,641.27
OK
7.34
-
7.34
FUNO XVPL
Taxa ao ano
12.00000%
0.03105378%
Ref
Valores
Data
Dias
0
1
0.00
4,000.00
10/4/2015
10/14/2015
10
3,987.5996789
4,000.00
11/7/2015
34
3,957.9955246
XVPL :
7,945.595203
Valor Presente
Soma :
7,945.595203
VPL :
0.03105378%
7,945.595203
=XVPL(Taxa, Valores;Datas)
Data
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
10/4/2015
10/5/2015
10/6/2015
10/7/2015
10/8/2015
10/9/2015
10/10/2015
10/11/2015
10/12/2015
10/13/2015
10/14/2015
10/15/2015
10/16/2015
10/17/2015
10/18/2015
10/19/2015
10/20/2015
10/21/2015
10/22/2015
10/23/2015
10/24/2015
10/25/2015
10/26/2015
10/27/2015
10/28/2015
10/29/2015
10/30/2015
10/31/2015
11/1/2015
11/2/2015
11/3/2015
11/4/2015
11/5/2015
11/6/2015
11/7/2015
Valores
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
4,000.00
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
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
4,000.00
Breno de Campos
288696880.xlsx / XVPL
Funo XTIR
Ref
0
Fluxo
(10,000.00)
Datas
10/4/2015
Dias (*)
0
4,000.00
10/14/2015
10
6,100.00
11/7/2015
34
XTIR :
16.00226% aa
=XTIR(Valores;Datas;Estimativa)
=XTIR( C4:C6;D4:D6;10%)
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
Data
10/4/2015
10/5/2015
10/6/2015
10/7/2015
10/8/2015
10/9/2015
10/10/2015
10/11/2015
10/12/2015
10/13/2015
10/14/2015
10/15/2015
10/16/2015
10/17/2015
10/18/2015
10/19/2015
10/20/2015
10/21/2015
10/22/2015
10/23/2015
10/24/2015
10/25/2015
10/26/2015
10/27/2015
10/28/2015
10/29/2015
10/30/2015
10/31/2015
11/1/2015
11/2/2015
11/3/2015
11/4/2015
11/5/2015
11/6/2015
11/7/2015
Valores
(10,000.00)
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
4,000.00
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
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
6,100.00
288696880.xlsx / XTIR
66
TIR (% ao dia)
0.040677%
Equiv. ao ano
(365 dias)
16.00226%
Fluxo de
Caixa Anual
Fim de
Perodo
Ano 0
Ano 1
Ano 2
Ano 3
Ano 4
Ano 5
VPL (FP)
TAXA
-1,000.00
1,200.00
1,200.00
1,200.00
1,200.00
1,200.00
3,325.73
-6.55%
12.00%
FP : Fim de perodo
MP : Meio de perodo
Ms 0
Ms 1
Ms 2
Ms 3
Ms 4
Ms 5
Ms 6
Ms 7
Ms 8
Ms 9
Ms 10
Ms 11
Ms 12
Ms 13
Ms 14
Ms 15
Ms 16
Ms 17
Ms 18
Ms 19
Ms 20
Ms 21
Ms 22
Ms 23
Ms 24
Ms 25
Ms 26
Ms 27
Ms 28
Ms 29
Ms 30
Ms 31
Ms 32
Ms 33
Ms 34
Ms 35
-1,000.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
Fluxo de
Caixa Anual
em Meio de
Perodo
Ano 0
Ano 1
Ano 2
Ano 3
Ano 4
Ano 5
VPL
VPL (FP)
VPL (MP)
0.9489%
-1,000.00
1,200.00
1,200.00
1,200.00
1,200.00
1,200.00
3,577.92
-0.07%
3,558.78
3,580.36
31/12/12
30/06/13
30/06/14
30/06/15
30/06/16
30/06/17
XVPL
Ms 36
Ms 37
Ms 38
Ms 39
Ms 40
Ms 41
Ms 42
Ms 43
Ms 44
Ms 45
Ms 46
Ms 47
Ms 48
Ms 49
Ms 50
Ms 51
Ms 52
Ms 53
Ms 54
Ms 55
Ms 56
Ms 57
Ms 58
Ms 59
Ms 60
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
Breno de Campos
E ANUAIS EM MEIO DE
Datas para o
clculo do VPL
pela funo
XVPL Meio de
Perodo
-1,000.00
1,200.00
1,200.00
1,200.00
1,200.00
1,200.00
3,579.58
-0.02%
Muito prximos
PADARIA DA ESQUINA
VALOR DA EMPRESA
Fluxo de Caixa Livre Anual
120,000
10
20
200
12.0%
Taxa de Desconto
(% aa)
15.0%
18.0%
20.0%
5
12.00%
Perpetuidade
Breno de Campos
Perpetuidade