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Cálculo de Financiamento Sistema da Tabela Price
Digite os Valores Valor Financiado R$ 120,000.00 Taxa de Juros Mensal 1% Prazo, em Meses (até 360) 18 Data Inicial (dd/mm/aaaa) 2/28/2009
Pagamento Mensal R$ 7,486.17 Número de Pagamentos 18 Total de Juros R$ 14,751.06 Custo Total do Financiamento R$ 134,751.06
Pagto Principal Juros 1 28/03/09 R$ 120,000.00 R$ 7,486.17 R$ 5,986.17 R$ 1,500.00 R$ 114,013.83 2 28/04/09 R$ 114,013.83 R$ 7,486.17 R$ 6,061.00 R$ 1,425.17 R$ 107,952.82 3 28/05/09 R$ 107,952.82 R$ 7,486.17 R$ 6,136.76 R$ 1,349.41 R$ 101,816.06 4 28/06/09 R$ 101,816.06 R$ 7,486.17 R$ 6,213.47 R$ 1,272.70 R$ 95,602.59 5 28/07/09 R$ 95,602.59 R$ 7,486.17 R$ 6,291.14 R$ 1,195.03 R$ 89,311.44 6 28/08/09 R$ 89,311.44 R$ 7,486.17 R$ 6,369.78 R$ 1,116.39 R$ 82,941.66 7 28/09/09 R$ 82,941.66 R$ 7,486.17 R$ 6,449.40 R$ 1,036.77 R$ 76,492.26 8 28/10/09 R$ 76,492.26 R$ 7,486.17 R$ 6,530.02 R$ 956.15 R$ 69,962.24 9 28/11/09 R$ 69,962.24 R$ 7,486.17 R$ 6,611.65 R$ 874.53 R$ 63,350.59
10 28/12/09 R$ 63,350.59 R$ 7,486.17 R$ 6,694.29 R$ 791.88 R$ 56,656.30 11 28/01/10 R$ 56,656.30 R$ 7,486.17 R$ 6,777.97 R$ 708.20 R$ 49,878.33 12 28/02/10 R$ 49,878.33 R$ 7,486.17 R$ 6,862.70 R$ 623.48 R$ 43,015.63 13 28/03/10 R$ 43,015.63 R$ 7,486.17 R$ 6,948.48 R$ 537.70 R$ 36,067.15 14 28/04/10 R$ 36,067.15 R$ 7,486.17 R$ 7,035.34 R$ 450.84 R$ 29,031.82 15 28/05/10 R$ 29,031.82 R$ 7,486.17 R$ 7,123.28 R$ 362.90 R$ 21,908.54 16 28/06/10 R$ 21,908.54 R$ 7,486.17 R$ 7,212.32 R$ 273.86 R$ 14,696.22 17 28/07/10 R$ 14,696.22 R$ 7,486.17 R$ 7,302.47 R$ 183.70 R$ 7,393.75 18 28/08/10 R$ 7,393.75 R$ 7,486.17 R$ 7,393.75 R$ 92.42 R$ 0.00
No.
Data do Pagto
Balanço Inicial Balanço Final
Digite os valores nos campos à esquerda e veja, abaixo, primeiro
o resumo dos cálculos e, em seguida, os detalhes do
financiamento.
Pagto Principal Juros No.
Data do Pagto
Balanço Inicial Balanço Final
Pagto Principal Juros No.
Data do Pagto
Balanço Inicial Balanço Final
Pagto Principal Juros No.
Data do Pagto
Balanço Inicial Balanço Final
Pagto Principal Juros No.
Data do Pagto
Balanço Inicial Balanço Final
Pagto Principal Juros No.
Data do Pagto
Balanço Inicial Balanço Final
Pagto Principal Juros No.
Data do Pagto
Balanço Inicial Balanço Final
Cálculo de FinanciamentoTABELA SAC - Supondo-se inflação Zero
Digite Aqui o Valor Financiado R$ 120,000.00
Taxa de Financiamento 1.3% a.m.
Prazo de Financiamento 18 meses
Total a ser pago pelo bem R$ 134,250.00 R$ 14,250.00 ◄ Juros total R$
No. Dívida Prestação Juros Amortização### 0 R$ 120,000.00 ### 1 R$ 113,333.33 R$ 8,166.67 R$ 1,500.00 R$ 6,666.67 ### 2 R$ 106,666.67 R$ 8,083.33 R$ 1,416.67 R$ 6,666.67 ### 3 R$ 100,000.00 R$ 8,000.00 R$ 1,333.33 R$ 6,666.67 ### 4 R$ 93,333.33 R$ 7,916.67 R$ 1,250.00 R$ 6,666.67 ### 5 R$ 86,666.67 R$ 7,833.33 R$ 1,166.67 R$ 6,666.67 ### 6 R$ 80,000.00 R$ 7,750.00 R$ 1,083.33 R$ 6,666.67 ### 7 R$ 73,333.33 R$ 7,666.67 R$ 1,000.00 R$ 6,666.67 ### 8 R$ 66,666.67 R$ 7,583.33 R$ 916.67 R$ 6,666.67 ### 9 R$ 60,000.00 R$ 7,500.00 R$ 833.33 R$ 6,666.67 ### 10 R$ 53,333.33 R$ 7,416.67 R$ 750.00 R$ 6,666.67 ### 11 R$ 46,666.67 R$ 7,333.33 R$ 666.67 R$ 6,666.67 ### 12 R$ 40,000.00 R$ 7,250.00 R$ 583.33 R$ 6,666.67 ### 13 R$ 33,333.33 R$ 7,166.67 R$ 500.00 R$ 6,666.67 ### 14 R$ 26,666.67 R$ 7,083.33 R$ 416.67 R$ 6,666.67 ### 15 R$ 20,000.00 R$ 7,000.00 R$ 333.33 R$ 6,666.67 ### 16 R$ 13,333.33 R$ 6,916.67 R$ 250.00 R$ 6,666.67 ### 17 R$ 6,666.67 R$ 6,833.33 R$ 166.67 R$ 6,666.67 ### 18 (R$ 0.00) R$ 6,750.00 R$ 83.33 R$ 6,666.67 ######################################################
Digite os valores nos campos à esquerda e veja, abaixo, primeiro o resumo
dos cálculos e, em seguida, os detalhes do
financiamento.
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Cálculo de FinanciamentoTABELA SAC CORRIGIDA PELA INFLAÇÃO
Inflação 0.00% a.m.
Valor total pago pelo bem ► R$ 134,250.00
Dívida Prestação Juros AmortizaçãoR$ 120,000.00 R$ 113,333.33 R$ 8,166.67 R$ 1,500.00 R$ 6,666.67 R$ 106,666.67 R$ 8,083.33 R$ 1,416.67 R$ 6,666.67 R$ 100,000.00 R$ 8,000.00 R$ 1,333.33 R$ 6,666.67
R$ 93,333.33 R$ 7,916.67 R$ 1,250.00 R$ 6,666.67 R$ 86,666.67 R$ 7,833.33 R$ 1,166.67 R$ 6,666.67 R$ 80,000.00 R$ 7,750.00 R$ 1,083.33 R$ 6,666.67 R$ 73,333.33 R$ 7,666.67 R$ 1,000.00 R$ 6,666.67 R$ 66,666.67 R$ 7,583.33 R$ 916.67 R$ 6,666.67 R$ 60,000.00 R$ 7,500.00 R$ 833.33 R$ 6,666.67 R$ 53,333.33 R$ 7,416.67 R$ 750.00 R$ 6,666.67 R$ 46,666.67 R$ 7,333.33 R$ 666.67 R$ 6,666.67 R$ 40,000.00 R$ 7,250.00 R$ 583.33 R$ 6,666.67 R$ 33,333.33 R$ 7,166.67 R$ 500.00 R$ 6,666.67 R$ 26,666.67 R$ 7,083.33 R$ 416.67 R$ 6,666.67 R$ 20,000.00 R$ 7,000.00 R$ 333.33 R$ 6,666.67 R$ 13,333.33 R$ 6,916.67 R$ 250.00 R$ 6,666.67
R$ 6,666.67 R$ 6,833.33 R$ 166.67 R$ 6,666.67 (R$ 0.00) R$ 6,750.00 R$ 83.33 R$ 6,666.67
Juros MensaisJuros
Faixa de renda Anual Mensal Modaliade
Renda até R$ 1.500,00 6% a.a. 0,5% a.m. CCFGTS
Renda de R$ 1.500,00 a R$ 3.000,00 8,16% a.a. 0,68% a.m. CCFGTS
Renda acima de R$ 3.000,00 12% a.a. + TR 1,60% a.m. CCCAIXA Somente operações com valor superior a R$ 130 mil
Variável em função da renda, conforme tabela abaixo.
Renda familiar bruta (R$) ModaliadeNOMINAL A.A.
De 300,01 até 1.500,00 6.00% 6.17% CCFGTSDe 1.500,01 a 3.900,00 8.16% 8.47% CCFGTSDe 3.900,01 a 4.900,00 10.16% 10.65% SBPE Operações com valores inferiores a R$ 130 mil
10.16% 10.65%
LIMITES Seguro
TAXA
MODALIDADEaté 30 anos 0.000422
(*) 0.000497
Aquisição de Imóvel novo
3,000 43,000 1200.000974
0.00213
15,000 72,000 1800.00505
0.012622
80,000 10,000 80,000 180
Aquisição de Imóvel usado 72,000
3,000 43,000 120
TAXA DE JUROS
TAXA DE JUROS
EFETIVA A.A.
Operações especiais
Variáveis em função da modalidade, renda familiar, valor venal, valor de financiamento e de prazo de amortização. conforme dados constantes no quadro abaixo:
FAIXA ETÁRIA
RENDA FAMILIAR MENSAL
BRUTA (R$)
VV MÁXIMO (MIL R$)
VF MÍNIMO (MIL R$)
VF MÁXIMO (MIL R$)
PRAZO DE AMORTIZA-
ÇÃO MÍNIMO - EM MESES de 31 a 40
anos
de 300,01 até 1.500,00
72.000
de 41 a 50 anos
de 51 a 60 anos
de 1.500,01 até 3.900
de 61 a 70 anos
de 71 a 80 anos
de 3.900,01 até 4.900 e Operações Especiais
de 300,01 até 1.500,00
Aquisição de Imóvel usado 72,000
15,000 72,000 180de 1.500,01 até 3.000
Somente operações com valor superior a R$ 130 mil
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