Professional Documents
Culture Documents
8,000.00
n
12
1. Determinar o valor das prestaes mensais de um financiamento realizado com uma taxa de 2,5%
presente de R$ 1.000,00 e que o prazo de 4 meses.
Resposta:265.82
2. Um automvel cujo preo vista custa R$ 14.480,00, pode ser financiado em 48 parcelas mensais
ms. Determinar o valor das prestaes.
Resposta: 453,07
3. Um automvel cujo preo vista custa R$ 14.480,00 foi adquirido com uma entrada de 20% mais 4
uma taxa de 1,5% ao ms. Determinar o valor das prestaes.
Resposta: 340,28
4. Uma compra no valor de R$ 10.000,00 deve ser paga com uma entrada de 20% e o saldo devedor fi
iguais, vencendo a primeira prestao ao fim de um ms, uma taxa de 4% ao ms. Calcule a presta
Resposta: 852,42
iformes - PMT
------------------>
(R$852.42)
Frmula : =PGTO(E3;D3;C3)
financiamento realizado com uma taxa de 2,5% ao ms, sabendo-se que o valor
00, pode ser financiado em 48 parcelas mensais e iguais, com uma taxa de 1,8% ao
00 foi adquirido com uma entrada de 20% mais 48 parcelas mensais e iguais, com
Clulas de Entrada
R$
Amortizao
R$ 24,078.78
R$ 24,439.96
R$ 24,806.56
R$ 25,178.66
R$ 25,556.34
R$ 25,939.69
R$ 150,000.00
R$
R$
R$
R$
R$
R$
R$
150,000.00
6
18.00%
1.50%
Juros
2,250.00
1,888.82
1,522.22
1,150.12
772.44
389.10
7,972.69
meses
meses
ao ano
ao ms
Prestao
R$ 26,328.78
R$ 26,328.78
R$ 26,328.78
R$ 26,328.78
R$ 26,328.78
R$ 26,328.78
R$ 157,972.69
R$
Amortizao
-
R$ 24,078.78
R$ 24,439.96
R$ 24,806.56
R$ 25,178.66
R$ 25,556.34
R$ 25,939.69
R$ 150,000.00
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
150,000.00
6
3
18.00%
1.50%
Juros
2,250.00
2,250.00
2,250.00
2,250.00
1,888.82
1,522.22
1,150.12
772.44
389.10
14,722.69
meses
meses
ao ano
ao ms
Prestao
R$
2,250.00
R$
2,250.00
R$
2,250.00
R$ 26,328.78
R$ 26,328.78
R$ 26,328.78
R$ 26,328.78
R$ 26,328.78
R$ 26,328.78
R$
164,722.69
R$
Amortizao
150,000.00
6
3
18.00%
1.50%
Juros
meses
meses
ao ano
ao ms
Prestao
R$
Amortizao
R$ 25,000.00
R$ 25,000.00
R$ 25,000.00
R$ 25,000.00
R$ 25,000.00
R$ 25,000.00
R$ 150,000.00
R$
R$
R$
R$
R$
R$
R$
150,000.00
6
18.00%
1.50%
Juros
2,250.00
1,875.00
1,500.00
1,125.00
750.00
375.00
7,875.00
meses
meses
ao ano
ao ms
Prestao
R$
R$
R$
R$
R$
R$
R$
27,250.00
26,875.00
26,500.00
26,125.00
25,750.00
25,375.00
157,875.00
R$
Amortizao
150,000.00
6
3
18.00%
1.50%
Juros
meses
meses
ao ano
ao ms
Prestao
R$
Amortizao
150,000.00
6
3
18.00%
1.50%
Juros
meses
meses
ao ano
ao ms
Prestao
Sries de Pagamento
Price - Prestaes Iguais
Valor Presente
Carncia (m+1)
Taxa ao perodo (%)
Nmero de Pagamentos
Perodo
N
1
2
3
4
5
6
Saldo
Inicial
150,000.00
125,921.22
101,481.25
76,674.69
51,496.03
25,939.69
150,000.00
1
1.50%
6
Pagamento
Juros
Amortizao
(2,250.00)
(24,078.78)
(1,888.82)
(24,439.96)
(1,522.22)
(24,806.56)
(1,150.12)
(25,178.66)
(772.44)
(25,556.34)
(389.10)
(25,939.69)
Prestao
(26,328.78)
(26,328.78)
(26,328.78)
(26,328.78)
(26,328.78)
(26,328.78)
Saldo
Devedor
125,921.22
101,481.25
76,674.69
51,496.03
25,939.69
-
N mximo
0 = Antecipada
1 = Postecipada
Sries de Pagamento
SAC - Amortizaes Constantes
Valor Presente
Carncia (m+1)
Taxa ao perodo (%)
Nmero de Pagamentos
Perodo
N
1
2
3
4
5
6
Saldo
Inicial
150,000.00
125,000.00
100,000.00
75,000.00
50,000.00
25,000.00
150,000.00
1
2%
6
Pagamento
Juros
Amortizao
(2,250.00)
(25,000.00)
(1,875.00)
(25,000.00)
(1,500.00)
(25,000.00)
(1,125.00)
(25,000.00)
(750.00)
(25,000.00)
(375.00)
(25,000.00)
Prestao
(27,250.00)
(26,875.00)
(26,500.00)
(26,125.00)
(25,750.00)
(25,375.00)
N mximo
amento
Constantes
0 = Antecipada
1 = Postecipada
Saldo
Devedor
125,000.00
100,000.00
75,000.00
50,000.00
25,000.00
-
Data
4/10/2006
5/10/2006
6/10/2006
7/10/2006
8/10/2006
9/10/2006
10/10/2006
11/10/2006
12/10/2006
1/10/2007
2/10/2007
3/10/2007
4/10/2007
5/10/2007
6/10/2007
7/10/2007
8/10/2007
9/10/2007
10/10/2007
11/10/2007
12/10/2007
1/10/2008
2/10/2008
3/10/2008
4/10/2008
5/10/2008
6/10/2008
7/10/2008
8/10/2008
9/10/2008
10/10/2008
11/10/2008
12/10/2008
1/10/2009
2/10/2009
3/10/2009
4/10/2009
Saldo Dev.
50,000.00
49,068.71
48,142.16
47,230.44
46,218.96
45,231.06
44,428.87
43,514.71
42,615.87
41,603.54
40,707.54
39,931.40
38,915.69
37,699.39
36,362.83
35,002.28
33,624.52
32,221.07
30,785.09
29,323.17
27,873.29
26,380.63
24,874.57
23,347.74
21,780.00
20,117.49
18,427.02
16,704.96
14,971.05
13,201.33
11,415.76
9,608.59
7,779.17
5,932.59
4,058.99
2,171.52
261.50
50,000.00
36 meses
1% ao ms
Amort.
1,158.44
1,167.62
1,176.64
1,186.66
1,196.44
1,204.38
1,213.43
1,222.33
1,232.36
1,241.23
1,248.91
1,258.97
1,440.50
1,453.73
1,467.20
1,480.84
1,494.74
1,508.96
1,523.43
1,537.79
1,552.56
1,567.48
1,582.59
1,598.12
1,716.78
1,733.52
1,750.57
1,767.74
1,785.26
1,802.94
1,820.83
1,838.95
1,857.23
1,875.78
1,894.47
1,913.38
Juros
502.27
493.10
484.07
474.06
464.28
456.33
447.28
438.38
428.36
419.49
411.80
401.75
391.40
378.17
364.69
351.05
337.16
322.94
308.47
294.11
279.33
264.42
249.30
233.78
218.34
201.61
184.56
167.39
149.87
132.19
114.29
96.18
77.90
59.35
40.66
21.75
Correo
227.15
241.07
264.93
175.18
208.54
402.19
299.27
323.49
220.03
345.23
472.78
243.26
224.19
117.17
106.65
103.08
91.29
72.98
61.51
87.91
59.90
61.41
55.77
30.38
54.28
43.05
28.51
33.83
15.54
17.37
13.66
9.52
10.65
2.18
7.00
3.36
Prestao
1,660.72
1,660.72
1,660.72
1,660.72
1,660.72
1,660.72
1,660.72
1,660.72
1,660.72
1,660.72
1,660.72
1,660.72
1,831.90
1,831.90
1,831.90
1,831.90
1,831.90
1,831.90
1,831.90
1,831.90
1,831.90
1,831.90
1,831.90
1,831.90
1,935.13
1,935.13
1,935.13
1,935.13
1,935.13
1,935.13
1,935.13
1,935.13
1,935.13
1,935.13
1,935.13
1,935.13
% TR
0.4543%
0.4913%
0.5503%
0.3709%
0.4512%
0.8892%
0.6736%
0.7434%
0.5163%
0.8298%
1.1614%
0.6092%
0.5761%
0.3108%
0.2933%
0.2945%
0.2715%
0.2265%
0.1998%
0.2998%
0.2149%
0.2328%
0.2242%
0.1301%
0.2492%
0.2140%
0.1547%
0.2025%
0.1038%
0.1316%
0.1197%
0.0991%
0.1369%
0.0368%
0.1724%
0.1546%
Prestao
(50,000.00)
2,016.34
2,000.68
1,985.02
1,960.58
1,945.18
1,929.79
1,906.39
1,891.27
1,876.14
1,861.02
1,845.89
1,830.77
1,815.64
1,800.52
1,785.39
1,770.27
1,755.14
1,740.02
1,724.89
1,709.77
1,694.64
1,679.52
1,664.39
1,649.27
1,634.14
1,619.02
1,603.89
1,588.77
1,573.64
1,558.52
1,543.39
1,528.26
1,513.14
1,498.01
1,482.89
1,467.76
1.329%
TJLP
398.71
387.63
376.56
356.72
345.91
335.10
316.31
305.77
295.23
284.68
274.14
263.59
253.05
242.51
231.96
221.42
210.88
200.33
189.79
179.24
168.70
158.16
147.61
137.07
126.53
115.98
105.44
94.89
84.35
73.81
63.26
52.72
42.18
31.63
21.09
10.54
Juros
164.99
160.41
155.83
151.21
146.63
142.05
137.44
132.86
128.28
123.70
119.12
114.53
109.95
105.37
100.79
96.21
91.63
87.05
82.46
77.88
73.30
68.72
64.14
59.56
54.98
50.40
45.81
41.23
36.65
32.07
27.49
22.91
18.33
13.74
9.16
4.58
Seguro
63.75
63.75
63.75
63.75
63.75
63.75
63.75
63.75
63.75
63.75
63.75
63.75
63.75
63.75
63.75
63.75
63.75
63.75
63.75
63.75
63.75
63.75
63.75
63.75
63.75
63.75
63.75
63.75
63.75
63.75
63.75
63.75
63.75
63.75
63.75
63.75
Amort.
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89
Saldo
TJLP ANO TJLP MS
50,000.00
48,611.11
10.00%
0.797%
47,222.22
10.00%
0.797%
45,833.33
10.00%
0.797%
44,444.44
9.75%
0.778%
43,055.56
9.75%
0.778%
41,666.67
9.75%
0.778%
40,277.78
9.50%
0.759%
38,888.89
9.50%
0.759%
37,500.00
9.50%
0.759%
36,111.11
9.50%
0.759%
34,722.22
9.50%
0.759%
33,333.33
9.50%
0.759%
31,944.44
9.50%
0.759%
30,555.56
9.50%
0.759%
29,166.67
9.50%
0.759%
27,777.78
9.50%
0.759%
26,388.89
9.50%
0.759%
25,000.00
9.50%
0.759%
23,611.11
9.50%
0.759%
22,222.22
9.50%
0.759%
20,833.33
9.50%
0.759%
19,444.44
9.50%
0.759%
18,055.56
9.50%
0.759%
16,666.67
9.50%
0.759%
15,277.78
9.50%
0.759%
13,888.89
9.50%
0.759%
12,500.00
9.50%
0.759%
11,111.11
9.50%
0.759%
9,722.22
9.50%
0.759%
8,333.33
9.50%
0.759%
6,944.44
9.50%
0.759%
5,555.56
9.50%
0.759%
4,166.67
9.50%
0.759%
2,777.78
9.50%
0.759%
1,388.89
9.50%
0.759%
(0.00)
9.50%
0.759%
RENEGOCIAO DE DVIDA
TAXA DE JUROS:
VALOR RENEG.:
PRIMEIRO ANO:
SEGUNDO ANO:
TERCEIRO ANO:
Nr. Per.
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
1.0% ao ms
150,000.00
CONDIES DE AMORTIZAO:
5.0% QUARTO ANO:
10.0% QUINTO ANO:
20.0%
50.0%
15.0% TOTAL:
100.0%
PLANILHA DE AMORTIZAO DA DVIDA - RENEGOCIAO - VALOR ORIGINAL
JUROS PAGOS
AMORTIZAO
Vlr Parcela
Juros Capital.
6.25
12.56
18.94
25.38
31.88
38.45
45.08
51.79
58.55
65.39
72.29
79.27
172.62
186.84
201.21
215.72
230.38
245.18
260.14
275.24
290.49
305.89
321.45
337.17
529.56
553.61
577.89
602.42
627.19
652.22
677.49
703.01
728.79
754.83
781.13
807.69
1,112.69
1,148.82
1,185.31
1,222.16
1,259.38
625.00
625.00
625.00
625.00
625.00
625.00
625.00
625.00
625.00
625.00
625.00
625.00
1,250.00
1,250.00
1,250.00
1,250.00
1,250.00
1,250.00
1,250.00
1,250.00
1,250.00
1,250.00
1,250.00
1,250.00
1,875.00
1,875.00
1,875.00
1,875.00
1,875.00
1,875.00
1,875.00
1,875.00
1,875.00
1,875.00
1,875.00
1,875.00
2,500.00
2,500.00
2,500.00
2,500.00
2,500.00
631.25
637.56
643.94
650.38
656.88
663.45
670.08
676.79
683.55
690.39
697.29
704.27
1,422.62
1,436.84
1,451.21
1,465.72
1,480.38
1,495.18
1,510.14
1,525.24
1,540.49
1,555.89
1,571.45
1,587.17
2,404.56
2,428.61
2,452.89
2,477.42
2,502.19
2,527.22
2,552.49
2,578.01
2,603.79
2,629.83
2,656.13
2,682.69
3,612.69
3,648.82
3,685.31
3,722.16
3,759.38
1,500.00
1,508.69
1,517.40
1,526.13
1,534.89
1,543.67
1,552.47
1,561.30
1,570.14
1,579.01
1,587.89
1,596.80
1,605.73
1,607.56
1,609.26
1,610.84
1,612.30
1,613.61
1,614.80
1,615.85
1,616.75
1,617.51
1,618.13
1,618.60
1,618.91
1,611.06
1,602.88
1,594.38
1,585.55
1,576.38
1,566.87
1,557.02
1,546.81
1,536.24
1,525.30
1,513.99
1,502.31
1,481.20
1,459.53
1,437.27
1,414.42
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
1,296.97
1,334.94
1,373.29
1,412.03
1,451.15
1,490.66
1,530.57
3,927.18
4,028.95
4,131.74
4,235.56
4,340.41
4,446.32
4,553.28
4,661.31
4,770.42
4,880.63
4,991.94
5,104.35
81,434.05
2,500.00
2,500.00
2,500.00
2,500.00
2,500.00
2,500.00
2,500.00
6,250.00
6,250.00
6,250.00
6,250.00
6,250.00
6,250.00
6,250.00
6,250.00
6,250.00
6,250.00
6,250.00
6,250.00
150,000.00
3,796.97
3,834.94
3,873.29
3,912.03
3,951.15
3,990.66
4,030.57
10,177.18
10,278.95
10,381.74
10,485.56
10,590.41
10,696.32
10,803.28
10,911.31
11,020.42
11,130.63
11,241.94
11,354.35
231,434.05
1,390.97
1,366.91
1,342.23
1,316.92
1,290.97
1,264.37
1,237.10
1,209.17
1,119.49
1,027.89
934.36
838.84
741.33
641.78
540.16
436.45
330.61
222.61
112.42
81,434.05
LOR ORIGINAL
SALDO DEVEDOR
150,000.00
150,868.75
151,739.88
152,613.34
153,489.09
154,367.10
155,247.32
156,129.71
157,014.22
157,900.81
158,789.43
159,680.03
160,572.57
160,755.68
160,926.39
161,084.44
161,229.56
161,361.48
161,479.91
161,584.57
161,675.18
161,751.44
161,813.06
161,859.74
161,891.17
161,105.52
160,287.97
159,437.96
158,554.92
157,638.27
156,687.44
155,701.82
154,680.83
153,623.84
152,530.25
151,399.42
150,230.72
148,120.34
145,952.72
143,726.94
141,442.05
139,097.09
136,691.09
134,223.06
131,691.99
129,096.89
126,436.71
123,710.42
120,916.96
111,948.95
102,789.49
93,435.65
83,884.45
74,132.88
64,177.89
54,016.39
43,645.25
33,061.27
22,261.26
11,241.94
(0.00)