planilha de simulação de matemática financeira

MATEMÁTICA FINANCEIRA Funções Financeiras do Excel

Versão 3.75 19-Sep-12

BRENO DE CAMPOS(31) [email protected]

Elaborado p/ Prof. Breno de Campos

Breno de Campos

MATEMÁTICA FINANCEIRA Funções Financeiras do Excel

Recebimento / Entrada de CaixaValores Positivos (+)

0 1 2 3 4 5 6 7

Períodos dias mesesanos

Desembolso / Saída de Caixa etcValores Negativos (-)

Linha do tempo

FLUXO DE CAIXA

Breno de Campos

SISTEMA DE CAPITALIZAÇÃO SISTEMA DE CAPITALIZAÇÃOSIMPLES COMPOSTA

Taxa de Juro 10.0% Taxa de Juro 10%

Per. Capital Capital

0 100.00 100.00 1 100.00 + 10.00 = 110.00 100.00 + 10.00 2 110.00 + 10.00 = 120.00 110.00 + 11.00 3 120.00 + 10.00 = 130.00 121.00 + 12.10 4 130.00 + 10.00 = 140.00 133.10 + 13.31 5 140.00 + 10.00 = 150.00 146.41 + 14.64

119 1,280.00 + 10.00 = 1,290.00 7,661,906.51 + 766,190.65 120 1,290.00 + 10.00 = 1,300.00 8,428,097.17 + 842,809.72

Juro s/. Capital Inicial

Capital + Juros Acum.

Juro s/. Capital


Breno de Campos

SISTEMA DE CAPITALIZAÇÃO COMPOSTA

= 110.00 = 121.00 = 133.10 = 146.41 = 161.05

= 8,428,097.17 = 9,270,906.88

Capital + Juros Acum.

VALOR FUTURO

Capital 1,000.00 R$ PV Prazo 3.0 meses n Taxa de Juro 10.0% am i

Sistema de Capitalização Composta Simples

Montante 1,331.00 1,300.00

Função VF -1,331.00 FV

VALOR FUTURO

Série Uniforme 100.00 $ PMT No. Prestações 360 meses n Taxa de Juro 0.5% am i

Montante 100,451.50


Breno de Campos

FUNCÃO VFPLANO

Capital 1,000.00 R$ Montante

Taxas de Juro 10.0% am 1,100.00 8.0% am 1,188.00 7.0% am 1,271.16 5.0% am 1,334.72 4.0% am 1,388.11

Montante 1,388.11 R$

Breno de Campos

1% 2% 4% 8%0 1 1 1 1 11 1.01 1.02 1.04 1.08 2 1.02 1.04 1.08 1.17 3 1.03 1.06 1.12 1.26 4 1.04 1.08 1.17 1.36 5 1.05 1.10 1.22 1.47 6 1.06 1.13 1.27 1.59 7 1.07 1.15 1.32 1.71 8 1.08 1.17 1.37 1.85 9 1.09 1.20 1.42 2.00

10 1.10 1.22 1.48 2.16 11 1.12 1.24 1.54 2.33 12 1.13 1.27 1.60 2.52 13 1.14 1.29 1.67 2.72 14 1.15 1.32 1.73 2.94 15 1.16 1.35 1.80 3.17 16 1.17 1.37 1.87 3.43 17 1.18 1.40 1.95 3.70 18 1.20 1.43 2.03 4.00 19 1.21 1.46 2.11 4.32 20 1.22 1.49 2.19 4.66 21 1.23 1.52 2.28 5.03

0.0 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.011.012.013.014.015.016.017.018.019.020.021.022.023.024.025.026.027.028.029.030.031.032.033.034.035.036.037.038.039.040.041.042.043.044.045.046.047.048.00.0

5.0

10.0

15.0

20.0

25.0

30.0

35.0

40.0

45.0

Valor Futuro x Prazo x Taxa de Juro

1%

2%

4%

8%

Períodos

Val

or

Fu

turo

22 1.24 1.55 2.37 5.44 23 1.26 1.58 2.46 5.87 24 1.27 1.61 2.56 6.34 25 1.28 1.64 2.67 6.85 26 1.30 1.67 2.77 7.40 27 1.31 1.71 2.88 7.99 28 1.32 1.74 3.00 8.63 29 1.33 1.78 3.12 9.32 30 1.35 1.81 3.24 10.06 31 1.36 1.85 3.37 10.87 32 1.37 1.88 3.51 11.74 33 1.39 1.92 3.65 12.68 34 1.40 1.96 3.79 13.69 35 1.42 2.00 3.95 14.79 36 1.43 2.04 4.10 15.97 37 1.45 2.08 4.27 17.25 38 1.46 2.12 4.44 18.63 39 1.47 2.16 4.62 20.12 40 1.49 2.21 4.80 21.72 41 1.50 2.25 4.99 23.46 42 1.52 2.30 5.19 25.34 43 1.53 2.34 5.40 27.37 44 1.55 2.39 5.62 29.56 45 1.56 2.44 5.84 31.92 46 1.58 2.49 6.07 34.47 47 1.60 2.54 6.32 37.23 48 1.61 2.59 6.57 40.21


Breno de Campos

0.0 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.011.012.013.014.015.016.017.018.019.020.021.022.023.024.025.026.027.028.029.030.031.032.033.034.035.036.037.038.039.040.041.042.043.044.045.046.047.048.00.0

5.0

10.0

15.0

20.0

25.0

30.0

35.0

40.0

45.0

Valor Futuro x Prazo x Taxa de Juro

1%

2%

4%

8%

Períodos

Val

or

Fu

turo

VALOR FUTURO

Capital R$ 100,000.00 PV Prazo meses 4.50 n Taxa am 10.0% i

Sistema de Capitalização

Simples Composta Mista Montante 145,000.00 153,556.10 153,730.50

FV (*) FV (**)

(*) c ligado HP 12C (**) c desligado HP 12C


Breno de Campos

(**) c desligado HP 12C

Sistema de Capitalização Simples x Composta

0.0

0.5

1.0

1.5

0

2,000

4,000

6,000

8,000

10,000

12,000

14,000

16,000

18,000

20,000

SISTEMAS DE CAPITALIZAÇÃO

SimplesComposta

Período

Mo

nta

nte

($

)

600%

Simples Composta

0 0 1000 1000

1 1200 1067.01355025574

2 1400 1138.51791642936

3 1600 1214.81404403907

4 1800 1296.22304603066

5 2000 1383.08755426849

6 2200 1475.77316159455

7 2400 1574.66996052515

8 2600 1680.194185061

9 2800 1792.789962521

10 3000 1912.93118277239

11 3200 2041.1234927248812 3400 2177.9064244827813 3600 2323.8556661121614 3800 2479.5854845802615 0.5 4000 2645.7513110645916 4200 2823.0524995128117 4400 3012.2352700635218 4600 3214.0958497160419 4800 3429.4838234677620 5000 3659.3057100229721 5200 3904.5287771227222 5400 4166.1851125534323 5600 4445.3759679682624 5800 4743.2763938033725 6000 5061.1401847963926 6200 5400.305156921627 6400 5762.1987779513128 6600 6148.3441753411329 6800 6560.3665467249630 1 7000 700031 7200 7469.094851790232 7400 7969.6254150055533 7600 8503.6983082734734 7800 9073.5613222146335 8000 9681.61287987942


36 8200 10330.412131161937 8400 11022.68972367638 8600 11761.35929542739 8800 12549.52973764740 9000 13390.518279406741 9200 14287.864449074242 9400 15245.344971379543 9600 16266.989662785144 9800 17357.098392061845 1.5 10000 18520.2591774521

Breno de Campos

Sistema de Capitalização Simples x Composta

0.0

0.5

1.0

1.5

0

2,000

4,000

6,000

8,000

10,000

12,000

14,000

16,000

18,000

20,000

SISTEMAS DE CAPITALIZAÇÃO

SimplesComposta

Período

Mo

nta

nte

($

)

VALOR PRESENTE de um Pagamento Único - Montante

Montante 1,000,000.00 R$ FV

Prazo 30.0 anos n

Taxa 18.00% aa i

Capital 6,974.93

Função VP -6,974.93 PV

VALOR PRESENTE de uma Série Uniforme

Prestações 1,200,000,000.00 US$ PMT

Prazo 40.0 anos n

Taxa 10.00% aa i

Capital 11,734,860,862.17

Função VP -11,734,860,862.17 PV

2

6

10

14

18

22

26

30

34

38

42

46

50

54

58

62

66

70

74

78

-

2,000

4,000

6,000

8,000

10,000

12,000

14,000

Anos

Valor Presente de Uma Série Uniforme

2

6

10

14

18

22

26

30

34

38

42

46

50

54

58

62

66

70

74

78

-

2,000

4,000

6,000

8,000

10,000

12,000

14,000

Anos


2 2,083 4 3,804 6 5,226 8 6,402 10 7,373 12 8,176 14 8,840 16 9,388 18 9,842 20 10,216 22 10,526 24 10,782 26 10,993 28 11,168 30 11,312 32 11,432 34 11,530 36 11,612 38 11,679 40 11,735 42 11,781 44 11,819 46 11,850 48 11,876 50 11,898 52 11,916 54 11,930 56 11,942 58 11,952 60 11,961 62 11,967 64 11,973 66 11,978 68 11,982 70 11,985 72 11,987 74 11,990 76 11,991 78 11,993 80 11,994

Breno de Campos

VALOR PRESENTE de um Pagamento Único - Montante

2

6

10

14

18

22

26

30

34

38

42

46

50

54

58

62

66

70

74

78

-

2,000

4,000

6,000

8,000

10,000

12,000

14,000

Anos


2

6

10

14

18

22

26

30

34

38

42

46

50

54

58

62

66

70

74

78

-

2,000

4,000

6,000

8,000

10,000

12,000

14,000

Anos


VALOR PRESENTE DE UMA PERPETUIDADECOM TAXA DE CRESCIMENTO

Taxa de Desconto 15.00% Valor Presente 1,000.00

Taxa de Crescimento (*) 5.00% Valor Presente 1,000.00 (*) Taxa de Crescimento < Taxa de Desconto

Data 0 -

P1 100.00 VP =

Perpetuidade Per. 1

P2 105.00 Tx Desconto - Tx CrescimentoP3 110.25 P4 115.76 P5 121.55 P3P6 127.63 P2P7 134.01 P1P8 140.71 P9 147.75

P10 155.13 P11 162.89 P12 171.03 0 1 2 3

P13 179.59 P14 188.56 P15 197.99 P16 207.89 P17 218.29 P18 229.20 P19 240.66 P20 252.70 P21 265.33 P22 278.60 P23 292.53 P24 307.15 P25 322.51 P26 338.64 P27 355.57 P28 373.35 P29 392.01 P30 411.61 P31 432.19 P32 453.80 P33 476.49 P34 500.32 P35 525.33 P36 551.60 P37 579.18 P38 608.14 P39 638.55 P40 670.48

P41 704.00 P42 739.20 P43 776.16 P44 814.97 P45 855.72 P46 898.50 P47 943.43 P48 990.60 P49 1,040.13 P50 1,092.13 P51 1,146.74 P52 1,204.08 P53 1,264.28 P54 1,327.49 P55 1,393.87 P56 1,463.56 P57 1,536.74 P58 1,613.58 P59 1,694.26 P60 1,778.97 P61 1,867.92 P62 1,961.31 P63 2,059.38 P64 2,162.35 P65 2,270.47 P66 2,383.99 P67 2,503.19 P68 2,628.35 P69 2,759.77 P70 2,897.75 P71 3,042.64 P72 3,194.77 P73 3,354.51 P74 3,522.24 P75 3,698.35 P76 3,883.27 P77 4,077.43 P78 4,281.30 P79 4,495.37 P80 4,720.14 P81 4,956.14 P82 5,203.95 P83 5,464.15 P84 5,737.36 P85 6,024.22 P86 6,325.44 P87 6,641.71 P88 6,973.79 P89 7,322.48 P90 7,688.61 P91 8,073.04

P92 8,476.69 P93 8,900.52 P94 9,345.55 P95 9,812.83 P96 10,303.47 P97 10,818.64 P98 11,359.57 P99 11,927.55

P100 12,523.93 P101 13,150.13 P102 13,807.63 P103 14,498.01 P104 15,222.91 P105 15,984.06 P106 16,783.26 P107 17,622.43 P108 18,503.55 P109 19,428.72 P110 20,400.16 P111 21,420.17 P112 22,491.18 P113 23,615.74 P114 24,796.52 P115 26,036.35 P116 27,338.17 P117 28,705.08 P118 30,140.33 P119 31,647.35 P120 33,229.71 P121 34,891.20 P122 36,635.76 P123 38,467.55 P124 40,390.92 P125 42,410.47 P126 44,530.99 P127 46,757.54 P128 49,095.42 P129 51,550.19 P130 54,127.70 P131 56,834.09 P132 59,675.79 P133 62,659.58 P134 65,792.56 P135 69,082.19 P136 72,536.30 P137 76,163.11 P138 79,971.27 P139 83,969.83 P140 88,168.32 P141 92,576.74 P142 97,205.57

P143 102,065.85 P144 107,169.15 P145 112,527.60 P146 118,153.98 P147 124,061.68 P148 130,264.77 P149 136,778.00 P150 143,616.90 P151 150,797.75 P152 158,337.64 P153 166,254.52 P154 174,567.24 P155 183,295.61 P156 192,460.39 P157 202,083.41 P158 212,187.58 P159 222,796.96 P160 233,936.80 P161 245,633.64 P162 257,915.33 P163 270,811.09 P164 284,351.65 P165 298,569.23 P166 313,497.69 P167 329,172.58 P168 345,631.20 P169 362,912.76 P170 381,058.40 P171 400,111.32 P172 420,116.89 P173 441,122.73 P174 463,178.87 P175 486,337.81 P176 510,654.70 P177 536,187.44 P178 562,996.81 P179 591,146.65 P180 620,703.98 P181 651,739.18 P182 684,326.14 P183 718,542.45 P184 754,469.57 P185 792,193.05 P186 831,802.70 P187 873,392.84 P188 917,062.48 P189 962,915.61 P190 1,011,061.39 P191 1,061,614.46 P192 1,114,695.18 P193 1,170,429.94

P194 1,228,951.43 P195 1,290,399.01 P196 1,354,918.96 P197 1,422,664.90 P198 1,493,798.15 P199 1,568,488.06 P200 1,646,912.46

Breno de Campos

(*) Taxa de Crescimento < Taxa de Desconto

Perpetuidade Per. 1

Tx Desconto - Tx Crescimento

P4

4

TAXA DE JURO Montante - Capital

Aplicação -100,000.00 R$ PV Resgate 134,000.00 R$ FV Prazo 14.0 meses n

Taxa de Juro 2.11% am i Função TAXA 2.11% am

TAXA DE JURO Prestação - Capital

TV

Valor à Vista 650.00 R$ ( - ) Entrada 0.00 Valor Financiado 650.00 PV No. Prestações 15 meses n Prestação -65.00 PMT

Função TAXA 5.56% am i

Breno de Campos

FUNÇÃO PRAZO

Aplicação -100,000.00 R$ PV Resgate 137,400.00 R$ FV Taxa de Juro 2.00% am i

Prazo 16.04 meses n (*) Função NPER 16.04 meses

(*) exceto HP 12C

FUNÇÃO PRAZO

Valor da Dívida 100,000.00 R$ PV Prestações -5,000.01 R$ PMT Taxa de Juro 5.00% am i

Prazo 268.96 meses n (*) Função NPER 268.96 meses

(*) exceto HP 12C

Breno de Campos

PRESTAÇÕES - SÉRIES UNIFORMES

Valor à Vista 120,000.00 ( - ) Entrada -20,000.00 Valor Financiado 100,000.00 PV

Taxa de Juro am 3.00% i

No. Prestações mensais 10 n

Prestação 11,723.05 Função PGTO -11,723.05 PMT

PRESTAÇÕES - SÉRIES UNIFORMES

Valor Futuro 1,000,000.00 FV

Taxa de Juro am 0.50% i

No. Prestações mensais 360 n

Prestação 995.51 Função PGTO -995.51 PMT

Breno de Campos

FATOR DE ACUMULAÇÃO DE CAPITALDado CAPITAL Achar MONTANTE

Número de Períodos

1 2 3 4 5 6 7 8 9 10

1.0% 1.01000 1.02010 1.03030 1.04060 1.05101 1.06152 1.07214 1.08286 1.09369 1.10462

2.0% 1.02000 1.04040 1.06121 1.08243 1.10408 1.12616 1.14869 1.17166 1.19509 1.21899

3.0% 1.03000 1.06090 1.09273 1.12551 1.15927 1.19405 1.22987 1.26677 1.30477 1.34392

4.0% 1.04000 1.08160 1.12486 1.16986 1.21665 1.26532 1.31593 1.36857 1.42331 1.48024

5.0% 1.05000 1.10250 1.15763 1.21551 1.27628 1.34010 1.40710 1.47746 1.55133 1.62889

6.0% 1.06000 1.12360 1.19102 1.26248 1.33823 1.41852 1.50363 1.59385 1.68948 1.79085

7.0% 1.07000 1.14490 1.22504 1.31080 1.40255 1.50073 1.60578 1.71819 1.83846 1.96715

8.0% 1.08000 1.16640 1.25971 1.36049 1.46933 1.58687 1.71382 1.85093 1.99900 2.15892

9.0% 1.09000 1.18810 1.29503 1.41158 1.53862 1.67710 1.82804 1.99256 2.17189 2.36736

10.0% 1.10000 1.21000 1.33100 1.46410 1.61051 1.77156 1.94872 2.14359 2.35795 2.59374

FATOR DE VALOR ATUALDado MONTANTE Achar CAPITAL


1 2 3 4 5 6 7 8 9 10

1.0% 0.99010 0.98030 0.97059 0.96098 0.95147 0.94205 0.93272 0.92348 0.91434 0.90529

2.0% 0.98039 0.96117 0.94232 0.92385 0.90573 0.88797 0.87056 0.85349 0.83676 0.82035

3.0% 0.97087 0.94260 0.91514 0.88849 0.86261 0.83748 0.81309 0.78941 0.76642 0.74409

4.0% 0.96154 0.92456 0.88900 0.85480 0.82193 0.79031 0.75992 0.73069 0.70259 0.67556

5.0% 0.95238 0.90703 0.86384 0.82270 0.78353 0.74622 0.71068 0.67684 0.64461 0.61391

6.0% 0.94340 0.89000 0.83962 0.79209 0.74726 0.70496 0.66506 0.62741 0.59190 0.55839

7.0% 0.93458 0.87344 0.81630 0.76290 0.71299 0.66634 0.62275 0.58201 0.54393 0.50835

8.0% 0.92593 0.85734 0.79383 0.73503 0.68058 0.63017 0.58349 0.54027 0.50025 0.46319

9.0% 0.91743 0.84168 0.77218 0.70843 0.64993 0.59627 0.54703 0.50187 0.46043 0.42241

10.0% 0.90909 0.82645 0.75131 0.68301 0.62092 0.56447 0.51316 0.46651 0.42410 0.38554

FATOR DE RECUPERAÇÃO DE CAPITALDado CAPITAL Achar PRESTAÇÃO - "Tabela PRICE"


1 2 3 4 5 6 7 8 9 10

1.0% 1.01000 0.50751 0.34002 0.25628 0.20604 0.17255 0.14863 0.13069 0.11674 0.10558

2.0% 1.02000 0.51505 0.34675 0.26262 0.21216 0.17853 0.15451 0.13651 0.12252 0.11133

3.0% 1.03000 0.52261 0.35353 0.26903 0.21835 0.18460 0.16051 0.14246 0.12843 0.11723

4.0% 1.04000 0.53020 0.36035 0.27549 0.22463 0.19076 0.16661 0.14853 0.13449 0.12329

5.0% 1.05000 0.53780 0.36721 0.28201 0.23097 0.19702 0.17282 0.15472 0.14069 0.12950

6.0% 1.06000 0.54544 0.37411 0.28859 0.23740 0.20336 0.17914 0.16104 0.14702 0.13587

7.0% 1.07000 0.55309 0.38105 0.29523 0.24389 0.20980 0.18555 0.16747 0.15349 0.14238

8.0% 1.08000 0.56077 0.38803 0.30192 0.25046 0.21632 0.19207 0.17401 0.16008 0.14903

9.0% 1.09000 0.56847 0.39505 0.30867 0.25709 0.22292 0.19869 0.18067 0.16680 0.15582

10.0% 1.10000 0.57619 0.40211 0.31547 0.26380 0.22961 0.20541 0.18744 0.17364 0.16275

FATOR DE VALOR ATUAL DE UMA SÉRIEDado PRESTAÇÃO Achar CAPITAL


1 2 3 4 5 6 7 8 9 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% 0.98039 1.94156 2.88388 3.80773 4.71346 5.60143 6.47199 7.32548 8.16224 8.98259

3.0% 0.97087 1.91347 2.82861 3.71710 4.57971 5.41719 6.23028 7.01969 7.78611 8.53020

4.0% 0.96154 1.88609 2.77509 3.62990 4.45182 5.24214 6.00205 6.73274 7.43533 8.11090

5.0% 0.95238 1.85941 2.72325 3.54595 4.32948 5.07569 5.78637 6.46321 7.10782 7.72173

6.0% 0.94340 1.83339 2.67301 3.46511 4.21236 4.91732 5.58238 6.20979 6.80169 7.36009

7.0% 0.93458 1.80802 2.62432 3.38721 4.10020 4.76654 5.38929 5.97130 6.51523 7.02358

8.0% 0.92593 1.78326 2.57710 3.31213 3.99271 4.62288 5.20637 5.74664 6.24689 6.71008

9.0% 0.91743 1.75911 2.53129 3.23972 3.88965 4.48592 5.03295 5.53482 5.99525 6.41766

10.0% 0.90909 1.73554 2.48685 3.16987 3.79079 4.35526 4.86842 5.33493 5.75902 6.14457

FATOR DE ACUMULAÇÃO DE UMA SÉRIEDado PRESTAÇÃO Achar MONTANTE


1 2 3 4 5 6 7 8 9 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% 1.00000 2.02000 3.06040 4.12161 5.20404 6.30812 7.43428 8.58297 9.75463 10.94972

3.0% 1.00000 2.03000 3.09090 4.18363 5.30914 6.46841 7.66246 8.89234 10.15911 11.46388

4.0% 1.00000 2.04000 3.12160 4.24646 5.41632 6.63298 7.89829 9.21423 10.58280 12.00611

5.0% 1.00000 2.05000 3.15250 4.31013 5.52563 6.80191 8.14201 9.54911 11.02656 12.57789

6.0% 1.00000 2.06000 3.18360 4.37462 5.63709 6.97532 8.39384 9.89747 11.49132 13.18079

7.0% 1.00000 2.07000 3.21490 4.43994 5.75074 7.15329 8.65402 10.25980 11.97799 13.81645

8.0% 1.00000 2.08000 3.24640 4.50611 5.86660 7.33593 8.92280 10.63663 12.48756 14.48656

9.0% 1.00000 2.09000 3.27810 4.57313 5.98471 7.52333 9.20043 11.02847 13.02104 15.19293

10.0% 1.00000 2.10000 3.31000 4.64100 6.10510 7.71561 9.48717 11.43589 13.57948 15.93742

FATOR DE FORMAÇÃO DE CAPITALDado MONTANTE Achar PRESTAÇÃO


1 2 3 4 5 6 7 8 9 10

1.0% 1.00000 0.49751 0.33002 0.24628 0.19604 0.16255 0.13863 0.12069 0.10674 0.09558

2.0% 1.00000 0.49505 0.32675 0.24262 0.19216 0.15853 0.13451 0.11651 0.10252 0.09133

3.0% 1.00000 0.49261 0.32353 0.23903 0.18835 0.15460 0.13051 0.11246 0.09843 0.08723

4.0% 1.00000 0.49020 0.32035 0.23549 0.18463 0.15076 0.12661 0.10853 0.09449 0.08329

5.0% 1.00000 0.48780 0.31721 0.23201 0.18097 0.14702 0.12282 0.10472 0.09069 0.07950

6.0% 1.00000 0.48544 0.31411 0.22859 0.17740 0.14336 0.11914 0.10104 0.08702 0.07587

7.0% 1.00000 0.48309 0.31105 0.22523 0.17389 0.13980 0.11555 0.09747 0.08349 0.07238

8.0% 1.00000 0.48077 0.30803 0.22192 0.17046 0.13632 0.11207 0.09401 0.08008 0.06903

9.0% 1.00000 0.47847 0.30505 0.21867 0.16709 0.13292 0.10869 0.09067 0.07680 0.06582

10.0% 1.00000 0.47619 0.30211 0.21547 0.16380 0.12961 0.10541 0.08744 0.07364 0.06275

Breno de Campos

Taxa de Juro

Taxa de Juro

Taxa de Juro

Taxa de Juro

Taxa de Juro

Taxa de Juro


TAXA DE JURO Prestação - Capital Desconto c/ Entrada p/ Pagamento à Vista

Valor de Referência 1,200.00 Desconto Pgto à Vista 3% Desconto 36.00 Valor à Vista 1,164.00 Entrada ou Primeira Prest. -400.00 Valor Financiado 764.00 PV Número de Prestações c/ Entrada 3 n (*) Prestação -400.00 PMT

Função TAXA (am) 3.13% i (*) - 1


Breno de Campos

TAXA DE JURO Prestação - Capital Desconto s/ Entrada p/ Pagamento à Vista

Valor de Referência 1,200.00 Desconto Pgto à Vista 10% Desconto 120.00 Valor à Vista 1,080.00 Entrada ou Primeira Prest. - Valor Financiado 1,080.00 PV Número de Prestações s/ Entrada 10 n Prestação -120.00 PMT

Função TAXA (am) 1.96% i


Breno de Campos

Desconto p/ Pagamento à Vista

1% 2% 3% 4% 5% 6% 7% 8% 10% 11% 12% 13% 15%

2 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%

Pre

sta

çõ

es

c/ E

ntr

ad

a 3 1.01% 2.05% 3.13% 4.23% 5.36% 6.52% 7.73% 8.96% 11.55% 12.91% 14.32% 15.77% 18.82%

4 0.67% 1.36% 2.07% 2.79% 3.53% 4.29% 5.06% 5.86% 7.51% 8.37% 9.25% 10.16% 12.04%

5 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%

6 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%

7 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%

8 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%

9 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%

Taxa Máxima Admissível 1.00% X,XX% Pague a PrazoY,YY% Pague à Vista

Desconto p/ Pagamento à Vista

1% 2% 3% 4% 5% 6% 7% 8% 10% 11% 12% 13% 15%

2 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%

Pre

sta

çõ

es

s/ E

ntr

ad

a 3 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%

4 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%

5 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%

6 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%

7 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%

8 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%

9 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%

Taxa Máxima Admissível 1.00% X,XX% Pague a Prazo

TAXA DE JURO DE UM FINANCIAMENTO

Número de Prestações fora a Entrada

2 2 3 4 5 6 8 9 10 11 12 15 17 18 19 20 23 24 35 36 47 48 59 60 71 72 83 84

1.0% 1.97 2.94 3.90 4.85 5.80 7.65 8.57 9.47 10.37 11.26 13.87 15.56 16.40 17.23 18.05 20.46 21.24 29.41 30.11 37.35 37.97 44.40 44.96 50.66 51.15 56.21 56.65

1.5% 1.96 2.91 3.85 4.78 5.70 7.49 8.36 9.22 10.07 10.91 13.34 14.91 15.67 16.43 17.17 19.33 20.03 27.08 27.66 33.55 34.04 38.97 39.38 43.50 43.84 47.29 47.58

2.0% 1.94 2.88 3.81 4.71 5.60 7.33 8.16 8.98 9.79 10.58 12.85 14.29 14.99 15.68 16.35 18.29 18.91 25.00 25.49 30.29 30.67 34.46 34.76 37.74 37.98 40.34 40.53

2.5% 1.93 2.86 3.76 4.65 5.51 7.17 7.97 8.75 9.51 10.26 12.38 13.71 14.35 14.98 15.59 17.33 17.88 23.15 23.56 27.47 27.77 30.68 30.91 33.07 33.24 34.85 34.97

3.0% 1.91 2.83 3.72 4.58 5.42 7.02 7.79 8.53 9.25 9.95 11.94 13.17 13.75 14.32 14.88 16.44 16.94 21.49 21.83 25.02 25.27 27.51 27.68 29.25 29.37 30.47 30.55

3.5% 1.90 2.80 3.67 4.52 5.33 6.87 7.61 8.32 9.00 9.66 11.52 12.65 13.19 13.71 14.21 15.62 16.06 20.00 20.29 22.90 23.09 24.82 24.94 26.09 26.17 26.93 26.98

4.0% 1.89 2.78 3.63 4.45 5.24 6.73 7.44 8.11 8.76 9.39 11.12 12.17 12.66 13.13 13.59 14.86 15.25 18.66 18.91 21.04 21.20 22.53 22.62 23.46 23.52 24.04 24.07

4.5% 1.87 2.75 3.59 4.39 5.16 6.60 7.27 7.91 8.53 9.12 10.74 11.71 12.16 12.59 13.01 14.15 14.50 17.46 17.67 19.41 19.54 20.57 20.64 21.25 21.29 21.65 21.67

5.0% 1.86 2.72 3.55 4.33 5.08 6.46 7.11 7.72 8.31 8.86 10.38 11.27 11.69 12.09 12.46 13.49 13.80 16.37 16.55 17.98 18.08 18.88 18.93 19.37 19.40 19.65 19.67

5.5% 1.85 2.70 3.51 4.27 5.00 6.33 6.95 7.54 8.09 8.62 10.04 10.86 11.25 11.61 11.95 12.88 13.15 15.39 15.54 16.71 16.79 17.41 17.45 17.78 17.80 17.97 17.98

6.0% 1.83 2.67 3.47 4.21 4.92 6.21 6.80 7.36 7.89 8.38 9.71 10.48 10.83 11.16 11.47 12.30 12.55 14.50 14.62 15.59 15.65 16.13 16.16 16.40 16.42 16.53 16.54

6.5% 1.82 2.65 3.43 4.16 4.84 6.09 6.66 7.19 7.69 8.16 9.40 10.11 10.43 10.73 11.02 11.77 11.99 13.69 13.79 14.59 14.64 15.01 15.03 15.21 15.22 15.30 15.31

7.0% 1.81 2.62 3.39 4.10 4.77 5.97 6.52 7.02 7.50 7.94 9.11 9.76 10.06 10.34 10.59 11.27 11.47 12.95 13.04 13.69 13.73 14.02 14.04 14.17 14.18 14.23 14.24

7.5% 1.80 2.60 3.35 4.05 4.69 5.86 6.38 6.86 7.32 7.74 8.83 9.43 9.71 9.96 10.19 10.81 10.98 12.27 12.35 12.89 12.92 13.15 13.16 13.25 13.26 13.30 13.30

8.0% 1.78 2.58 3.31 3.99 4.62 5.75 6.25 6.71 7.14 7.54 8.56 9.12 9.37 9.60 9.82 10.37 10.53 11.65 11.72 12.16 12.19 12.37 12.38 12.45 12.45 12.48 12.48

8.5% 1.77 2.55 3.28 3.94 4.55 5.64 6.12 6.56 6.97 7.34 8.30 8.83 9.06 9.27 9.46 9.96 10.10 11.09 11.14 11.51 11.53 11.67 11.68 11.73 11.73 11.75 11.75

9.0% 1.76 2.53 3.24 3.89 4.49 5.53 6.00 6.42 6.81 7.16 8.06 8.54 8.76 8.95 9.13 9.58 9.71 10.57 10.61 10.92 10.93 11.04 11.05 11.09 11.09 11.10 11.10

9.5% 1.75 2.51 3.20 3.84 4.42 5.43 5.88 6.28 6.65 6.98 7.83 8.28 8.47 8.65 8.81 9.22 9.33 10.09 10.13 10.38 10.39 10.48 10.48 10.51 10.51 10.52 10.52

10.0% 1.74 2.49 3.17 3.79 4.36 5.33 5.76 6.14 6.50 6.81 7.61 8.02 8.20 8.36 8.51 8.88 8.98 9.64 9.68 9.89 9.90 9.96 9.97 9.99 9.99 10.00 10.00

10.5% 1.72 2.47 3.14 3.74 4.29 5.24 5.65 6.01 6.35 6.65 7.39 7.78 7.95 8.10 8.23 8.57 8.66 9.23 9.26 9.44 9.44 9.50 9.50 9.52 9.52 9.52 9.52

11.0% 1.71 2.44 3.10 3.70 4.23 5.15 5.54 5.89 6.21 6.49 7.19 7.55 7.70 7.84 7.96 8.27 8.35 8.86 8.88 9.02 9.03 9.07 9.07 9.09 9.09 9.09 9.09

11.5% 1.70 2.42 3.07 3.65 4.17 5.06 5.43 5.77 6.07 6.34 7.00 7.33 7.47 7.60 7.71 7.98 8.06 8.50 8.52 8.64 8.65 8.68 8.68 8.69 8.69 8.69 8.69

12.0% 1.69 2.40 3.04 3.60 4.11 4.97 5.33 5.65 5.94 6.19 6.81 7.12 7.25 7.37 7.47 7.72 7.78 8.18 8.19 8.29 8.30 8.32 8.32 8.33 8.33 8.33 8.33

12.5% 1.68 2.38 3.01 3.56 4.05 4.88 5.23 5.54 5.81 6.05 6.63 6.92 7.04 7.15 7.24 7.47 7.53 7.87 7.88 7.97 7.97 7.99 7.99 8.00 8.00 8.00 8.00

13.0% 1.67 2.36 2.97 3.52 4.00 4.80 5.13 5.43 5.69 5.92 6.46 6.73 6.84 6.94 7.02 7.23 7.28 7.59 7.60 7.67 7.67 7.69 7.69 7.69 7.69 7.69 7.69

13.5% 1.66 2.34 2.94 3.47 3.94 4.72 5.04 5.32 5.57 5.79 6.30 6.55 6.65 6.74 6.82 7.00 7.05 7.32 7.33 7.39 7.39 7.40 7.40 7.41 7.41 7.41 7.41

14.0% 1.65 2.32 2.91 3.43 3.89 4.64 4.95 5.22 5.45 5.66 6.14 6.37 6.47 6.55 6.62 6.79 6.84 7.07 7.08 7.13 7.13 7.14 7.14 7.14 7.14 7.14 7.14

14.5% 1.64 2.30 2.88 3.39 3.84 4.56 4.86 5.12 5.34 5.54 5.99 6.21 6.29 6.37 6.44 6.59 6.63 6.84 6.84 6.88 6.89 6.89 6.89 6.90 6.90 6.90 6.90

15.0% 1.63 2.28 2.85 3.35 3.78 4.49 4.77 5.02 5.23 5.42 5.85 6.05 6.13 6.20 6.26 6.40 6.43 6.62 6.62 6.66 6.66 6.66 6.67 6.67 6.67 6.67 6.67

Taxa de Juro aprox.

TAXA DE JURO DE UM FINANCIAMENTO

Número de Prestações fora a Entrada

2 2 3 4 5 6 8 9 10 11 12 15 17 18 19 20 23 24 35 36 47 48 59 60 71 72 83 84

16.0% 1.61 2.25 2.80 3.27 3.68 4.34 4.61 4.83 5.03 5.20 5.58 5.75 5.82 5.88 5.93 6.04 6.07 6.22 6.22 6.24 6.24 6.25 6.25 6.25 6.25 6.25 6.25

17.0% 1.59 2.21 2.74 3.20 3.59 4.21 4.45 4.66 4.84 4.99 5.32 5.47 5.53 5.58 5.63 5.72 5.75 5.86 5.86 5.88 5.88 5.88 5.88 5.88 5.88 5.88 5.88

18.0% 1.57 2.17 2.69 3.13 3.50 4.08 4.30 4.49 4.66 4.79 5.09 5.22 5.27 5.32 5.35 5.43 5.45 5.54 5.54 5.55 5.55 5.56 5.56 5.56 5.56 5.56 5.56

19.0% 1.55 2.14 2.64 3.06 3.41 3.95 4.16 4.34 4.49 4.61 4.88 4.99 5.03 5.07 5.10 5.17 5.18 5.25 5.25 5.26 5.26 5.26 5.26 5.26 5.26 5.26 5.26

20.0% 1.53 2.11 2.59 2.99 3.33 3.84 4.03 4.19 4.33 4.44 4.68 4.77 4.81 4.84 4.87 4.92 4.94 4.99 4.99 5.00 5.00 5.00 5.00 5.00 5.00 5.00 5.00

21.0% 1.51 2.07 2.54 2.93 3.24 3.73 3.91 4.05 4.18 4.28 4.49 4.58 4.61 4.63 4.66 4.70 4.71 4.76 4.76 4.76 4.76 4.76 4.76 4.76 4.76 4.76 4.76

22.0% 1.49 2.04 2.49 2.86 3.17 3.62 3.79 3.92 4.04 4.13 4.32 4.39 4.42 4.44 4.46 4.50 4.51 4.54 4.54 4.55 4.55 4.55 4.55 4.55 4.55 4.55 4.55

23.0% 1.47 2.01 2.45 2.80 3.09 3.52 3.67 3.80 3.90 3.99 4.15 4.22 4.24 4.26 4.28 4.31 4.32 4.34 4.35 4.35 4.35 4.35 4.35 4.35 4.35 4.35 4.35

24.0% 1.46 1.98 2.40 2.75 3.02 3.42 3.57 3.68 3.78 3.85 4.00 4.06 4.08 4.10 4.11 4.14 4.14 4.16 4.16 4.17 4.17 4.17 4.17 4.17 4.17 4.17 4.17

25.0% 1.44 1.95 2.36 2.69 2.95 3.33 3.46 3.57 3.66 3.73 3.86 3.91 3.93 3.94 3.95 3.98 3.98 4.00 4.00 4.00 4.00 4.00 4.00 4.00 4.00 4.00 4.00

26.0% 1.42 1.92 2.32 2.64 2.88 3.24 3.37 3.46 3.54 3.61 3.73 3.77 3.79 3.80 3.81 3.83 3.83 3.84 3.85 3.85 3.85 3.85 3.85 3.85 3.85 3.85 3.85

27.0% 1.41 1.90 2.28 2.58 2.82 3.16 3.27 3.36 3.44 3.49 3.60 3.64 3.65 3.66 3.67 3.69 3.69 3.70 3.70 3.70 3.70 3.70 3.70 3.70 3.70 3.70 3.70

28.0% 1.39 1.87 2.24 2.53 2.76 3.08 3.18 3.27 3.34 3.39 3.48 3.52 3.53 3.54 3.55 3.56 3.56 3.57 3.57 3.57 3.57 3.57 3.57 3.57 3.57 3.57 3.57

29.0% 1.38 1.84 2.20 2.48 2.70 3.00 3.10 3.18 3.24 3.29 3.37 3.40 3.41 3.42 3.43 3.44 3.44 3.45 3.45 3.45 3.45 3.45 3.45 3.45 3.45 3.45 3.45

30.0% 1.36 1.82 2.17 2.44 2.64 2.92 3.02 3.09 3.15 3.19 3.27 3.29 3.30 3.31 3.32 3.33 3.33 3.33 3.33 3.33 3.33 3.33 3.33 3.33 3.33 3.33 3.33

31.0% 1.35 1.79 2.13 2.39 2.59 2.85 2.94 3.01 3.06 3.10 3.17 3.19 3.20 3.21 3.21 3.22 3.22 3.23 3.23 3.23 3.23 3.23 3.23 3.23 3.23 3.23 3.23

32.0% 1.33 1.77 2.10 2.35 2.53 2.79 2.87 2.93 2.98 3.01 3.08 3.10 3.10 3.11 3.11 3.12 3.12 3.12 3.12 3.12 3.12 3.12 3.12 3.12 3.12 3.12 3.12

33.0% 1.32 1.74 2.06 2.30 2.48 2.72 2.80 2.86 2.90 2.93 2.99 3.01 3.01 3.02 3.02 3.03 3.03 3.03 3.03 3.03 3.03 3.03 3.03 3.03 3.03 3.03 3.03

34.0% 1.30 1.72 2.03 2.26 2.43 2.66 2.73 2.78 2.82 2.85 2.90 2.92 2.93 2.93 2.93 2.94 2.94 2.94 2.94 2.94 2.94 2.94 2.94 2.94 2.94 2.94 2.94

35.0% 1.29 1.70 2.00 2.22 2.39 2.60 2.67 2.72 2.75 2.78 2.83 2.84 2.84 2.85 2.85 2.85 2.86 2.86 2.86 2.86 2.86 2.86 2.86 2.86 2.86 2.86 2.86

36.0% 1.28 1.67 1.97 2.18 2.34 2.54 2.60 2.65 2.68 2.71 2.75 2.76 2.77 2.77 2.77 2.78 2.78 2.78 2.78 2.78 2.78 2.78 2.78 2.78 2.78 2.78 2.78

37.0% 1.26 1.65 1.94 2.14 2.29 2.48 2.54 2.59 2.62 2.64 2.68 2.69 2.69 2.70 2.70 2.70 2.70 2.70 2.70 2.70 2.70 2.70 2.70 2.70 2.70 2.70 2.70

38.0% 1.25 1.63 1.91 2.11 2.25 2.43 2.49 2.53 2.56 2.58 2.61 2.62 2.62 2.63 2.63 2.63 2.63 2.63 2.63 2.63 2.63 2.63 2.63 2.63 2.63 2.63 2.63

39.0% 1.24 1.61 1.88 2.07 2.21 2.38 2.43 2.47 2.50 2.51 2.55 2.55 2.56 2.56 2.56 2.56 2.56 2.56 2.56 2.56 2.56 2.56 2.56 2.56 2.56 2.56 2.56

40.0% 1.22 1.59 1.85 2.04 2.17 2.33 2.38 2.41 2.44 2.46 2.48 2.49 2.49 2.50 2.50 2.50 2.50 2.50 2.50 2.50 2.50 2.50 2.50 2.50 2.50 2.50 2.50

41.0% 1.21 1.57 1.82 2.00 2.13 2.28 2.33 2.36 2.38 2.40 2.42 2.43 2.43 2.44 2.44 2.44 2.44 2.44 2.44 2.44 2.44 2.44 2.44 2.44 2.44 2.44 2.44

42.0% 1.20 1.55 1.80 1.97 2.09 2.24 2.28 2.31 2.33 2.35 2.37 2.37 2.38 2.38 2.38 2.38 2.38 2.38 2.38 2.38 2.38 2.38 2.38 2.38 2.38 2.38 2.38

43.0% 1.19 1.53 1.77 1.94 2.05 2.19 2.23 2.26 2.28 2.29 2.31 2.32 2.32 2.32 2.32 2.32 2.33 2.33 2.33 2.33 2.33 2.33 2.33 2.33 2.33 2.33 2.33

44.0% 1.18 1.51 1.74 1.91 2.02 2.15 2.19 2.21 2.23 2.24 2.26 2.27 2.27 2.27 2.27 2.27 2.27 2.27 2.27 2.27 2.27 2.27 2.27 2.27 2.27 2.27 2.27

Taxa de Juro aprox.

TAXAS DE JURO EQUIVALENTES

Tx Efetiva Mensal 10.00% am

Tx Efetiva Anual Equivalente 213.84% aa

Tx Efetiva Anual 7.50% aa

Tx Efetiva Mensal Equivalente 0.6045% am


Breno de Campos

FUNDO DE RENDA FIXA x POUPANÇA

Taxa SELIC/CDI 7.50% aa Imposto de Renda

Taxa de Administração 0.00% aa Prazo Alíquota

Rentabilidade FI Bruta 7.50% aa Até 180 dias 22.50%

IR (*) 15.00% 1.13% Entre 181 e 360 dias 20.00%

Rentabilidade FI Líquida 6.38% aa Entre 361 e 720 dias 17.50%

Rentabilidade FI Líquida 0.52% am Acima de 720 dias 15.00%

Rentabilidade Poupança Nova 0.43% am

Inflação anual 3.00% 0.25%

Rentabilidade FI Líquida Real 0.27% am

Rentabilidade Poupança Líquida Real 0.18% am

Alíquota %

Até 1.637,11 - -

De 1.637,12 até 2.453,50 7.5 122.78

De 2.453,51 até 3.271,38 15 306.8

De 3.271,39 até 4.087,65 22.5 552.15

Acima de 4.087,65 27.5 756.53

Tabela Progressiva para o cálculo mensal do Imposto sobre a Renda da Pessoa Física para o exercício de

2013, ano-calendário de 2012.

Base de cálculo mensal em R$

Parcela a deduzir do imposto em R$

FUNDO DE RENDA FIXA x POUPANÇA

Taxa SELIC/CDI 7.50% aa

Percentual 100.00% aa

REMUNERAÇÃO LIQUIDA DO INVESTIMENTO

Imposto de Renda

0.41% 22.50% 20.00% 17.50% 15.00%

Tax

a A

dm

in. 0.50%

1.00%

1.50%

2.00%

3.00%

Poupança Nova 0.43% am


Breno de Campos

7.50%

1%

6.50%

22.50% 1.46%

5.04%

0.41%

FUNDO DE PREVIDÊNCIA PRIVADA

Idade Rentab. Mín. Garantida 0.50% am

Ingresso 25 360 Meses de Contribuição Saída 55 300 Meses de Benefício

80 1,000.00 Benefício Desejado

RESERVA NECESSÁRIA -155,206.86

CONTRIBUIÇÃO MENSAL 154.51

FUNDO DE PREVIDÊNCIA PRIVADA II

Idade Rentab. Mín. Garantida 0.50% am

Ingresso 25 360 Meses de Contribuição Saída 55 300 Meses de Benefício


RESERVA NECESSÁRIA -155,206.86

CONTRIBUIÇÃO MENSAL 154.51


Rentab. (am)

Período de Contribuição 0.40% Período de Benefício 0.40%

Idade Ingresso 50 120 Meses de Contribuição

Saída 60 240 Meses de Benefício 80 5,000.00 Benefício Desejado

APORTE INICIAL 300,000.00 484,358.35 RESERVA NECESSÁRIA 770,466.51

CONTRIBUIÇÃO MENSAL 1,862.30


Rentab. Mín. Garantida 6.50% aa

Taxa de Carregamento 1.00% Taxa de Administração 2.00% aa

Idade Ingresso 25 360 Meses de Contribuição

Saída 55 300 Meses de Benefício


RESERVA NECESSÁRIA

APORTE INICIAL s/ Carregamento 50,000.00

CONTRIBUIÇÃO MENSAL c/ Carregamento

Expectativa de Vida

Breno de Campos


0.3674809%

Meses de Contribuição Meses de Benefício

Benefício Desejado

907,896.62

187,265.91

-974.36

Taxa ao mês utilizada nos cálculos

TAXAS DE JURO REAL

Taxa de Juro Aparente 2,062.07% ao período

Indexador 1,764.87% ao período

Taxa de Juro Real 15.94% ao período


Breno de Campos

TAXAS DE JURO NOMINAIS

Tx Nominal Anual 12.00%

Anual 1 12.00% 12.00% 12.00%

Semestral 2 6.00% 12.36% 12.36%

Trimestral 4 3.00% 12.55% 12.55%

Mensal 12 1.0000% 12.68% 12.68%

Diária 365 0.0329% 12.75% 12.75%

Períodicidade da Capitalização

Número de Capitalizações

Taxa Efetiva ao Período

Tx Equivalente

Anual

Função =EFETIVA()


Breno de Campos

SISTEMA DE CAPITALIZAÇÃO CONTÍNUA Capital 100,000.00 Taxa de Juro (aa) 10.00% Prazo (anos) 3.00

Períodos de Capitalização Montante

Anual 1 133,100.00 Semestral 2 134,009.56 Mensal 12 134,818.18 Diário 365 134,980.33 Horário 8,760 134,985.65 p/ Minuto 525,600 134,985.88 p/ Segundo 31,536,000 134,985.88

Contínua 134,985.88


Breno de Campos

CUSTO EFETIVO TOTAL

Valor do Financiamento 1,000.00 Taxa de Juro 5.00% Número de Prestações 12 n Valor da Prestação Vencida -112.83 PMT

TAC 100.00 Valor Disponível 900.00 PV

Função TAXA : CET (am) 6.92% i CET (aa) 123.21%


B8

Breno:

Breno de Campos

TAXA OVER

Taxa SELIC anual 7.50%

Tx Efetiva Diária Equivalente 0.0287%

Taxa "Over" mensal 0.8611%

Dias Úteis no ano 252

Tx Efetiva Mensal Equivalente 0.6045%

Dias Úteis no mês 21


Breno de Campos

TAXAS DE JURO

Taxa Aparente "Nominal" Indexador Taxa Real

Taxa Bruta Imposto Taxa Líquida IGP-M / IPC-A Líquida

7.50% 0.00% 7.50% 5.00% 2.38%

Taxa Real s/ Risco (Exterior) 1.00%

Prêmio p/ Risco Brasil 1.37%

FORMAÇÃO DA TAXA DE JURO

Taxa Aparente "Nominal" = SELIC ?? Indexador Taxa Real

IGP-M / IPC-A Líquida

8.60% 5.00% 3.43%

Taxa Real s/ Risco (Exterior) 1.70%

Prêmio p/ Risco 1.70%

Breno de Campos

TAXA REAL LÍQUIDA - Efeito da Inflação

Investimento 100,000.00 Imposto de Renda (*) 20.0%

Taxa Real Bruta 3.00%

Inflação Resgate Bruto IR

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%

(*) Alíquota regressiva entre 22,5% e 15% sobre os Rendimentos (Investimento - Resgate Bruto)

Resgate Liquido

Valor Presente @ Tx Inflação

Taxa Nominal Líquida

Taxa Real Líquida

SISTEMA DE CAP CONTINUA

Capital 100,000.00 R$ PV Prazo 3.0 anos n Taxa de Juro 10.0% aa i

Sistema de Capitalização Composta Continua

Montante 133,100.00 134,985.88


Elaborado p/ Breno de Campos Breno de Campos

Breno de Campos

DEBÊNTURES Valor de Face 1,000,000.00

Coupon 5.00% aa 2.50% as Prazo 3 anos 6 sem

Rentabilidade (Yield) 9.07% aa 4.43% as Valor de Mercado 900,000.00 Perc. Vlr. Face 90.00% Deságio 10.00%

Semestres

0 0.00 -900,000.001 25,000.00 25,000.002 25,000.00 25,000.003 25,000.00 25,000.004 25,000.00 25,000.005 25,000.00 25,000.006 1,025,000.00 1,025,000.00

Fluxo de Caixa da

Debênture

Fluxo de Caixa do Investidor

DEBÊNTURES II

Anos

0 -810,778.45 -885,838.991 100,000.00 100,000.002 100,000.00 100,000.003 100,000.00 1,100,000.004 100,000.005 100,000.006 1,100,000.00

Yield (aa) 15.00% 15.00%

Fluxo de Caixa da Debênture A

Fluxo de Caixa da Debênture B

DESCONTO

DESCONTO COMPOSTO

Valor do Título 1,000.00

Prazo 45 dias Meses 1.5000

Taxa de Desconto 4.00% am

Valor do Resgate 942.87 Custo Efetivo 4.00% am

Valor do Desconto 57.13

DESCONTO RACIONAL (por dentro)






DESCONTO BANCÁRIO (por fora)






DESCONTO - RESUMO

Tipo do Desconto : COMPOSTO Por Dentro Por Fora

Desconto 57.13 56.60 60.00 Valor Resgate 942.87 943.40 940.00 Custo Efetivo 4.00% 3.96% 4.21%

04/18/2023 document.xlsx / RECIP

Saldo Médio Dias de "Float"0 1 2 3 4 5

0% 4.21% 4.31% 4.41% 4.52% 4.63% 4.75%10% 4.71% 4.82% 4.93% 5.05% 5.18% 5.31%20% 5.33% 5.46% 5.59% 5.73% 5.87% 6.02%30% 6.16% 6.30% 6.45% 6.61% 6.78% 6.95%40% 7.28% 7.45% 7.63% 7.82% 8.01% 8.22%50% 8.90% 9.11% 9.33% 9.56% 9.81% 10.06%

FINANCIAMENTO S/ PAGTO JURO

Taxa de juros 10.0% am

Prestações 4 meses

Meses Saldo Devedor Juro Amortização Prestação

0 10,000.00

1 11,000.00 1,000.00 - 0.00 2 12,100.00 1,100.00 - 0.00 3 13,310.00 1,210.00 - 0.00 4 0.00 1,331.00 13,310.00 14,641.00

Total 4,641.00 13,310.00 14,641.00

Breno de Campos


Juros não Pagos

C7

Juros não Pagos

FINANCIAMENTO C/ PAGTO JURO




0 10,000.00

1 10,000.00 1,000.00 - 1,000.00 2 10,000.00 1,000.00 - 1,000.00 3 10,000.00 1,000.00 - 1,000.00 4 0.00 1,000.00 10,000.00 11,000.00

Total 4,000.00 10,000.00 14,000.00

Breno de Campos


FINANCIAMENTO PRICE




0 10,000.00

1 7,845.29 1,000.00 2,154.71 3,154.71 2 5,475.11 784.53 2,370.18 3,154.71 3 2,867.92 547.51 2,607.20 3,154.71 4 0.00 286.79 2,867.92 3,154.71

Total 2,618.83 10,000.00 12,618.83

FINANCIAMENTO PRICE

Taxa de juros 3.0% am Prestações 48 meses

Meses Saldo Devedor Juro Amortização Prestação 0 48,000.001 47,540.27 1,440.00 459.73 1,899.732 47,066.74 1,426.21 473.53 1,899.733 46,579.01 1,412.00 487.73 1,899.734 46,076.65 1,397.37 502.36 1,899.735 45,559.21 1,382.30 517.43 1,899.736 45,026.26 1,366.78 532.96 1,899.737 44,477.31 1,350.79 548.95 1,899.738 43,911.90 1,334.32 565.41 1,899.739 43,329.52 1,317.36 582.38 1,899.73

10 42,729.67 1,299.89 599.85 1,899.7311 42,111.83 1,281.89 617.84 1,899.7312 41,475.45 1,263.35 636.38 1,899.7313 40,819.98 1,244.26 655.47 1,899.7314 40,144.85 1,224.60 675.13 1,899.7315 39,449.46 1,204.35 695.39 1,899.7316 38,733.21 1,183.48 716.25 1,899.7317 37,995.48 1,162.00 737.74 1,899.7318 37,235.61 1,139.86 759.87 1,899.7319 36,452.94 1,117.07 782.66 1,899.7320 35,646.80 1,093.59 806.14 1,899.7321 34,816.47 1,069.40 830.33 1,899.7322 33,961.23 1,044.49 855.24 1,899.7323 33,080.33 1,018.84 880.90 1,899.7324 32,173.01 992.41 907.32 1,899.7325 31,238.47 965.19 934.54 1,899.7326 30,275.89 937.15 962.58 1,899.7327 29,284.43 908.28 991.46 1,899.7328 28,263.23 878.53 1,021.20 1,899.7329 27,211.40 847.90 1,051.84 1,899.7330 26,128.00 816.34 1,083.39 1,899.7331 25,012.11 783.84 1,115.89 1,899.7332 23,862.74 750.36 1,149.37 1,899.7333 22,678.89 715.88 1,183.85 1,899.7334 21,459.52 680.37 1,219.37 1,899.7335 20,203.58 643.79 1,255.95 1,899.7336 18,909.95 606.11 1,293.63 1,899.7337 17,577.52 567.30 1,332.43 1,899.7338 16,205.11 527.33 1,372.41 1,899.7339 14,791.53 486.15 1,413.58 1,899.7340 13,335.54 443.75 1,455.99 1,899.7341 11,835.88 400.07 1,499.67 1,899.7342 10,291.22 355.08 1,544.66 1,899.7343 8,700.22 308.74 1,591.00 1,899.7344 7,061.50 261.01 1,638.73 1,899.7345 5,373.61 211.84 1,687.89 1,899.7346 3,635.08 161.21 1,738.52 1,899.7347 1,844.40 109.05 1,790.68 1,899.7348 0.00 55.33 1,844.40 1,899.73

Total 43,187.19 48,000.00 91,187.19

Breno de Campos


FINANCIAMENTO SAC




0 10,000.00

1 7,500.00 1,000.00 2,500.00 3,500.00 2 5,000.00 750.00 2,500.00 3,250.00 3 2,500.00 500.00 2,500.00 3,000.00 4 0.00 250.00 2,500.00 2,750.00

Total 2,500.00 10,000.00 12,500.00

FINANCIAMENTO SAC


Meses Saldo Devedor Juro Amortização Prestação 0 48,000.001 47,000.00 1,440.00 1,000.00 2,440.002 46,000.00 1,410.00 1,000.00 2,410.003 45,000.00 1,380.00 1,000.00 2,380.004 44,000.00 1,350.00 1,000.00 2,350.005 43,000.00 1,320.00 1,000.00 2,320.006 42,000.00 1,290.00 1,000.00 2,290.007 41,000.00 1,260.00 1,000.00 2,260.008 40,000.00 1,230.00 1,000.00 2,230.009 39,000.00 1,200.00 1,000.00 2,200.00

10 38,000.00 1,170.00 1,000.00 2,170.0011 37,000.00 1,140.00 1,000.00 2,140.0012 36,000.00 1,110.00 1,000.00 2,110.0013 35,000.00 1,080.00 1,000.00 2,080.0014 34,000.00 1,050.00 1,000.00 2,050.0015 33,000.00 1,020.00 1,000.00 2,020.0016 32,000.00 990.00 1,000.00 1,990.0017 31,000.00 960.00 1,000.00 1,960.0018 30,000.00 930.00 1,000.00 1,930.0019 29,000.00 900.00 1,000.00 1,900.0020 28,000.00 870.00 1,000.00 1,870.0021 27,000.00 840.00 1,000.00 1,840.0022 26,000.00 810.00 1,000.00 1,810.0023 25,000.00 780.00 1,000.00 1,780.0024 24,000.00 750.00 1,000.00 1,750.0025 23,000.00 720.00 1,000.00 1,720.0026 22,000.00 690.00 1,000.00 1,690.0027 21,000.00 660.00 1,000.00 1,660.0028 20,000.00 630.00 1,000.00 1,630.0029 19,000.00 600.00 1,000.00 1,600.0030 18,000.00 570.00 1,000.00 1,570.0031 17,000.00 540.00 1,000.00 1,540.0032 16,000.00 510.00 1,000.00 1,510.0033 15,000.00 480.00 1,000.00 1,480.0034 14,000.00 450.00 1,000.00 1,450.0035 13,000.00 420.00 1,000.00 1,420.0036 12,000.00 390.00 1,000.00 1,390.0037 11,000.00 360.00 1,000.00 1,360.0038 10,000.00 330.00 1,000.00 1,330.0039 9,000.00 300.00 1,000.00 1,300.0040 8,000.00 270.00 1,000.00 1,270.0041 7,000.00 240.00 1,000.00 1,240.0042 6,000.00 210.00 1,000.00 1,210.0043 5,000.00 180.00 1,000.00 1,180.0044 4,000.00 150.00 1,000.00 1,150.0045 3,000.00 120.00 1,000.00 1,120.0046 2,000.00 90.00 1,000.00 1,090.0047 1,000.00 60.00 1,000.00 1,060.0048 0.00 30.00 1,000.00 1,030.00

Total 35,280.00 48,000.00 83,280.00

Breno de Campos


FINANCIAMENTO SAM




0 10,000.00 - - -

1 7,672.65 1,000.00 2,327.35 3,327.35 2 5,237.56 767.26 2,435.09 3,202.35 3 2,683.96 523.76 2,553.60 3,077.35 4 0.00 268.40 2,683.96 2,952.35

Total 2,559.42 10,000.00 12,559.42

FINANCIAMENTO SAM


Meses Saldo Devedor Juro Amortização Prestação 0 48,000.001 47,270.13 1,440.00 729.87 2,169.872 46,533.37 1,418.10 736.76 2,154.873 45,789.51 1,396.00 743.87 2,139.874 45,038.32 1,373.69 751.18 2,124.875 44,279.61 1,351.15 758.72 2,109.876 43,513.13 1,328.39 766.48 2,094.877 42,738.66 1,305.39 774.47 2,079.878 41,955.95 1,282.16 782.71 2,064.879 41,164.76 1,258.68 791.19 2,049.87

10 40,364.84 1,234.94 799.92 2,034.8711 39,555.92 1,210.95 808.92 2,019.8712 38,737.73 1,186.68 818.19 2,004.8713 37,909.99 1,162.13 827.73 1,989.8714 37,072.43 1,137.30 837.57 1,974.8715 36,224.73 1,112.17 847.69 1,959.8716 35,366.61 1,086.74 858.12 1,944.8717 34,497.74 1,061.00 868.87 1,929.8718 33,617.80 1,034.93 879.93 1,914.8719 32,726.47 1,008.53 891.33 1,899.8720 31,823.40 981.79 903.07 1,884.8721 30,908.23 954.70 915.16 1,869.8722 29,980.62 927.25 927.62 1,854.8723 29,040.17 899.42 940.45 1,839.8724 28,086.51 871.21 953.66 1,824.8725 27,119.23 842.60 967.27 1,809.8726 26,137.94 813.58 981.29 1,794.8727 25,142.22 784.14 995.73 1,779.8728 24,131.62 754.27 1,010.60 1,764.8729 23,105.70 723.95 1,025.92 1,749.8730 22,064.00 693.17 1,041.70 1,734.8731 21,006.06 661.92 1,057.95 1,719.8732 19,931.37 630.18 1,074.68 1,704.8733 18,839.45 597.94 1,091.93 1,689.8734 17,729.76 565.18 1,109.68 1,674.8735 16,601.79 531.89 1,127.97 1,659.8736 15,454.98 498.05 1,146.81 1,644.8737 14,288.76 463.65 1,166.22 1,629.8738 13,102.55 428.66 1,186.20 1,614.8739 11,895.76 393.08 1,206.79 1,599.8740 10,667.77 356.87 1,227.99 1,584.8741 9,417.94 320.03 1,249.83 1,569.8742 8,145.61 282.54 1,272.33 1,554.8743 6,850.11 244.37 1,295.50 1,539.8744 5,530.75 205.50 1,319.36 1,524.8745 4,186.80 165.92 1,343.94 1,509.8746 2,817.54 125.60 1,369.26 1,494.8747 1,422.20 84.53 1,395.34 1,479.8748 0.00 42.67 1,422.20 1,464.87

Total 39,233.60 48,000.00 87,233.60

Breno de Campos


FINANCIAMENTO SACRE




0 48,000.00 - - -

1 47,000.00 1,440.00 1,000.00 2,440.00 2 45,970.00 1,410.00 1,030.00 2,440.00 3 44,909.10 1,379.10 1,060.90 2,440.00 4 43,816.37 1,347.27 1,092.73 2,440.00 5 42,690.86 1,314.49 1,125.51 2,440.00 6 41,531.59 1,280.73 1,159.27 2,440.00 7 40,337.54 1,245.95 1,194.05 2,440.00 8 39,107.66 1,210.13 1,229.87 2,440.00 9 37,840.89 1,173.23 1,266.77 2,440.00

10 36,536.12 1,135.23 1,304.77 2,440.00 11 35,192.20 1,096.08 1,343.92 2,440.00 12 33,807.97 1,055.77 1,384.23 2,440.00 13 32,868.86 1,014.24 939.11 1,953.35 14 31,901.58 986.07 967.28 1,953.35 15 30,905.27 957.05 996.30 1,953.35 16 29,879.08 927.16 1,026.19 1,953.35 17 28,822.11 896.37 1,056.98 1,953.35 18 27,733.42 864.66 1,088.69 1,953.35 19 26,612.07 832.00 1,121.35 1,953.35 20 25,457.09 798.36 1,154.99 1,953.35 21 24,267.45 763.71 1,189.64 1,953.35 22 23,042.12 728.02 1,225.33 1,953.35 23 21,780.04 691.26 1,262.09 1,953.35 24 20,480.09 653.40 1,299.95 1,953.35 25 19,626.75 614.40 853.34 1,467.74 26 18,747.82 588.80 878.94 1,467.74 27 17,842.51 562.43 905.31 1,467.74 28 16,910.05 535.28 932.46 1,467.74 29 15,949.61 507.30 960.44 1,467.74 30 14,960.36 478.49 989.25 1,467.74 31 13,941.43 448.81 1,018.93 1,467.74 32 12,891.93 418.24 1,049.50 1,467.74 33 11,810.95 386.76 1,080.98 1,467.74 34 10,697.54 354.33 1,113.41 1,467.74 35 9,550.72 320.93 1,146.81 1,467.74 36 8,369.50 286.52 1,181.22 1,467.74 37 7,672.05 251.09 697.46 948.54 38 6,953.66 230.16 718.38 948.54 39 6,213.73 208.61 739.93 948.54 40 5,451.60 186.41 762.13 948.54 41 4,666.60 163.55 785.00 948.54 42 3,858.06 140.00 808.55 948.54 43 3,025.25 115.74 832.80 948.54 44 2,167.47 90.76 857.79 948.54 45 1,283.95 65.02 883.52 948.54 46 373.92 38.52 910.03 948.54 47 - 11.22 373.92 385.14 48 - - - -

Total 32,203.65 48,000.00 80,203.65

Breno de Campos


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 49

-

5,000

10,000

15,000

20,000

25,000

30,000

35,000

40,000

45,000

50,000

SISTEMAS DE AMORTIZAÇÃO

PRICE SAC SAMSACRE

PRICE

SACRE

SAC SAM


PRICE SAC SAM SACRE0 48,000.00 48,000.00 48,000.00 48,000.00 1 47,540.27 47,000.00 47,270.13 47,000.00 2 47,066.74 46,000.00 46,533.37 45,970.00 3 46,579.01 45,000.00 45,789.51 44,909.10 4 46,076.65 44,000.00 45,038.32 43,816.37 5 45,559.21 43,000.00 44,279.61 42,690.86 6 45,026.26 42,000.00 43,513.13 41,531.59 7 44,477.31 41,000.00 42,738.66 40,337.54 8 43,911.90 40,000.00 41,955.95 39,107.66 9 43,329.52 39,000.00 41,164.76 37,840.89

10 42,729.67 38,000.00 40,364.84 36,536.12 11 42,111.83 37,000.00 39,555.92 35,192.20 12 41,475.45 36,000.00 38,737.73 33,807.97 13 40,819.98 35,000.00 37,909.99 32,868.86 14 40,144.85 34,000.00 37,072.43 31,901.58 15 39,449.46 33,000.00 36,224.73 30,905.27 16 38,733.21 32,000.00 35,366.61 29,879.08 17 37,995.48 31,000.00 34,497.74 28,822.11 18 37,235.61 30,000.00 33,617.80 27,733.42 19 36,452.94 29,000.00 32,726.47 26,612.07 20 35,646.80 28,000.00 31,823.40 25,457.09 21 34,816.47 27,000.00 30,908.23 24,267.45 22 33,961.23 26,000.00 29,980.62 23,042.12 23 33,080.33 25,000.00 29,040.17 21,780.04 24 32,173.01 24,000.00 28,086.51 20,480.09 25 31,238.47 23,000.00 27,119.23 19,626.75 26 30,275.89 22,000.00 26,137.94 18,747.82 27 29,284.43 21,000.00 25,142.22 17,842.51 28 28,263.23 20,000.00 24,131.62 16,910.05 29 27,211.40 19,000.00 23,105.70 15,949.61 30 26,128.00 18,000.00 22,064.00 14,960.36 31 25,012.11 17,000.00 21,006.06 13,941.43 32 23,862.74 16,000.00 19,931.37 12,891.93 33 22,678.89 15,000.00 18,839.45 11,810.95 34 21,459.52 14,000.00 17,729.76 10,697.54 35 20,203.58 13,000.00 16,601.79 9,550.72 36 18,909.95 12,000.00 15,454.98 8,369.50 37 17,577.52 11,000.00 14,288.76 7,672.05 38 16,205.11 10,000.00 13,102.55 6,953.66 39 14,791.53 9,000.00 11,895.76 6,213.73 40 13,335.54 8,000.00 10,667.77 5,451.60 41 11,835.88 7,000.00 9,417.94 4,666.60 42 10,291.22 6,000.00 8,145.61 3,858.06 43 8,700.22 5,000.00 6,850.11 3,025.25 44 7,061.50 4,000.00 5,530.75 2,167.47 45 5,373.61 3,000.00 4,186.80 1,283.95 46 3,635.08 2,000.00 2,817.54 373.92

47 1,844.40 1,000.00 1,422.20 - 48 (0.00) - - -

Breno de Campos

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 49

-

5,000

10,000

15,000

20,000

25,000

30,000

35,000

40,000

45,000

50,000

SISTEMAS DE AMORTIZAÇÃO

PRICE SAC SAMSACRE

PRICE

SACRE

SAC SAM

SISTEMA DE AMORTIZAÇÕES LIVRES




0 10,000.00 - - -

1 11,000.00 1,000.00 (1,000.00) 0.00 2 8,100.00 1,100.00 2,900.00 4,000.00 3 5,910.00 810.00 2,190.00 3,000.00 4 0.00 591.00 5,910.00 6,501.00

Total 3,501.00 10,000.00 13,501.00

Breno de Campos


FINANCIAMENTO IMOBILIÁRIO (Exponencial)


Número de Prestações 48 meses

Valor Base da Prestação 1,000.00

Meses Saldo Devedor Juro Amortização Fator Exp. Prestação

0 48,000.00 1.0000

1 47,470.00 480.00 530.00 1.0100 1,010.00 2 46,924.60 474.70 545.40 1.0201 1,020.10 3 46,363.55 469.25 561.06 1.0303 1,030.30 4 45,786.58 463.64 576.97 1.0406 1,040.60 5 45,193.43 457.87 593.14 1.0510 1,051.01 6 44,583.85 451.93 609.59 1.0615 1,061.52 7 43,957.55 445.84 626.30 1.0721 1,072.14 8 43,314.27 439.58 643.28 1.0829 1,082.86 9 42,653.73 433.14 660.54 1.0937 1,093.69

10 41,975.64 426.54 678.08 1.1046 1,104.62 11 41,279.73 419.76 695.91 1.1157 1,115.67 12 40,565.70 412.80 714.03 1.1268 1,126.83 13 39,833.26 405.66 732.44 1.1381 1,138.09 14 39,082.12 398.33 751.14 1.1495 1,149.47 15 38,311.98 390.82 770.15 1.1610 1,160.97 16 37,522.52 383.12 789.46 1.1726 1,172.58 17 36,713.44 375.23 809.08 1.1843 1,184.30 18 35,884.42 367.13 829.01 1.1961 1,196.15 19 35,035.16 358.84 849.26 1.2081 1,208.11 20 34,165.32 350.35 869.84 1.2202 1,220.19 21 33,274.58 341.65 890.74 1.2324 1,232.39 22 32,362.61 332.75 911.97 1.2447 1,244.72 23 31,429.08 323.63 933.54 1.2572 1,257.16 24 30,473.63 314.29 955.44 1.2697 1,269.73 25 29,495.94 304.74 977.70 1.2824 1,282.43 26 28,495.64 294.96 1,000.30 1.2953 1,295.26 27 27,472.39 284.96 1,023.25 1.3082 1,308.21 28 26,425.82 274.72 1,046.57 1.3213 1,321.29 29 25,355.57 264.26 1,070.25 1.3345 1,334.50 30 24,261.28 253.56 1,094.29 1.3478 1,347.85 31 23,142.57 242.61 1,118.71 1.3613 1,361.33 32 21,999.05 231.43 1,143.52 1.3749 1,374.94 33 20,830.35 219.99 1,168.70 1.3887 1,388.69 34 19,636.08 208.30 1,194.27 1.4026 1,402.58 35 18,415.84 196.36 1,220.24 1.4166 1,416.60 36 17,169.23 184.16 1,246.61 1.4308 1,430.77 37 15,895.84 171.69 1,273.38 1.4451 1,445.08 38 14,595.27 158.96 1,300.57 1.4595 1,459.53 39 13,267.10 145.95 1,328.17 1.4741 1,474.12 40 11,910.91 132.67 1,356.19 1.4889 1,488.86 41 10,526.27 119.11 1,384.64 1.5038 1,503.75 42 9,112.74 105.26 1,413.53 1.5188 1,518.79 43 7,669.89 91.13 1,442.85 1.5340 1,533.98 44 6,197.27 76.70 1,472.62 1.5493 1,549.32 45 4,694.43 61.97 1,502.84 1.5648 1,564.81 46 3,160.92 46.94 1,533.51 1.5805 1,580.46 47 1,596.26 31.61 1,564.65 1.5963 1,596.26 48 (0.00) 15.96 1,596.26 1.6122 1,612.23

Total 13,834.83 48,000.00 61,834.83

FINANCIAMENTO IMOBILIÁRIO (Linear)


Número de Prestações 48 meses

Valor Base da Prestação 1,000.00

Meses Saldo Devedor Juro Amortização Fator Lin. Prestação

0 48,000.00 1.000

1 47,470.00 480.00 530.00 1.010 1,010.00 2 46,924.70 474.70 545.30 1.020 1,020.00 3 46,363.95 469.25 560.75 1.030 1,030.00 4 45,787.59 463.64 576.36 1.040 1,040.00 5 45,195.46 457.88 592.12 1.050 1,050.00 6 44,587.42 451.95 608.05 1.060 1,060.00 7 43,963.29 445.87 624.13 1.070 1,070.00 8 43,322.92 439.63 640.37 1.080 1,080.00 9 42,666.15 433.23 656.77 1.090 1,090.00

10 41,992.81 426.66 673.34 1.100 1,100.00 11 41,302.74 419.93 690.07 1.110 1,110.00 12 40,595.77 413.03 706.97 1.120 1,120.00 13 39,871.73 405.96 724.04 1.130 1,130.00 14 39,130.45 398.72 741.28 1.140 1,140.00 15 38,371.75 391.30 758.70 1.150 1,150.00 16 37,595.47 383.72 776.28 1.160 1,160.00 17 36,801.42 375.95 794.05 1.170 1,170.00 18 35,989.44 368.01 811.99 1.180 1,180.00 19 35,159.33 359.89 830.11 1.190 1,190.00 20 34,310.92 351.59 848.41 1.200 1,200.00 21 33,444.03 343.11 866.89 1.210 1,210.00 22 32,558.47 334.44 885.56 1.220 1,220.00 23 31,654.06 325.58 904.42 1.230 1,230.00 24 30,730.60 316.54 923.46 1.240 1,240.00 25 29,787.90 307.31 942.69 1.250 1,250.00 26 28,825.78 297.88 962.12 1.260 1,260.00 27 27,844.04 288.26 981.74 1.270 1,270.00 28 26,842.48 278.44 1,001.56 1.280 1,280.00 29 25,820.91 268.42 1,021.58 1.290 1,290.00 30 24,779.12 258.21 1,041.79 1.300 1,300.00 31 23,716.91 247.79 1,062.21 1.310 1,310.00 32 22,634.08 237.17 1,082.83 1.320 1,320.00 33 21,530.42 226.34 1,103.66 1.330 1,330.00 34 20,405.72 215.30 1,124.70 1.340 1,340.00 35 19,259.78 204.06 1,145.94 1.350 1,350.00 36 18,092.38 192.60 1,167.40 1.360 1,360.00 37 16,903.30 180.92 1,189.08 1.370 1,370.00 38 15,692.33 169.03 1,210.97 1.380 1,380.00 39 14,459.26 156.92 1,233.08 1.390 1,390.00 40 13,203.85 144.59 1,255.41 1.400 1,400.00 41 11,925.89 132.04 1,277.96 1.410 1,410.00 42 10,625.15 119.26 1,300.74 1.420 1,420.00 43 9,301.40 106.25 1,323.75 1.430 1,430.00 44 7,954.41 93.01 1,346.99 1.440 1,440.00 45 6,583.96 79.54 1,370.46 1.450 1,450.00 46 5,189.80 65.84 1,394.16 1.460 1,460.00 47 3,771.69 51.90 1,418.10 1.470 1,470.00 48 2,329.41 37.72 1,442.28 1.480 1,480.00

Total 14,089.41 45,670.59 59,760.00

Breno de Campos


FINANCIAMENTO HABITACIONAL - PRICE

Taxa de juros 9.0% aa

0.75% am


Meses Saldo Dev. Juro Amortiz. Prestação

0 40,000.00 1 39,894.29 300.00 105.71 405.71 2 39,787.79 299.21 106.50 405.71 3 39,680.50 298.41 107.30 405.71 4 39,572.39 297.60 108.10 405.71 5 39,463.48 296.79 108.91 405.71 6 39,353.75 295.98 109.73 405.71 7 39,243.20 295.15 110.55 405.71 8 39,131.81 294.32 111.38 405.71 9 39,019.59 293.49 112.22 405.71

10 38,906.53 292.65 113.06 405.71 11 38,792.63 291.80 113.91 405.71 12 38,677.87 290.94 114.76 405.71 13 38,562.24 290.08 115.62 405.71 14 38,445.75 289.22 116.49 405.71 15 38,328.39 288.34 117.36 405.71 16 38,210.15 287.46 118.24 405.71 17 38,091.01 286.58 119.13 405.71 18 37,970.99 285.68 120.02 405.71 19 37,850.07 284.78 120.92 405.71 20 37,728.24 283.88 121.83 405.71 21 37,605.49 282.96 122.74 405.71 22 37,481.83 282.04 123.67 405.71 23 37,357.23 281.11 124.59 405.71 24 37,231.70 280.18 125.53 405.71 25 37,105.24 279.24 126.47 405.71 26 36,977.82 278.29 127.42 405.71 27 36,849.45 277.33 128.37 405.71

28 36,720.11 276.37 129.34 405.71 29 36,589.80 275.40 130.31 405.71 30 36,458.52 274.42 131.28 405.71 31 36,326.25 273.44 132.27 405.71 32 36,192.99 272.45 133.26 405.71 33 36,058.73 271.45 134.26 405.71 34 35,923.47 270.44 135.27 405.71 35 35,787.19 269.43 136.28 405.71 36 35,649.88 268.40 137.30 405.71 37 35,511.55 267.37 138.33 405.71 38 35,372.18 266.34 139.37 405.71 39 35,231.77 265.29 140.42 405.71 40 35,090.30 264.24 141.47 405.71 41 34,947.77 263.18 142.53 405.71 42 34,804.17 262.11 143.60 405.71 43 34,659.50 261.03 144.68 405.71 44 34,513.74 259.95 145.76 405.71 45 34,366.88 258.85 146.85 405.71 46 34,218.93 257.75 147.96 405.71 47 34,069.86 256.64 149.06 405.71 48 33,919.68 255.52 150.18 405.71 49 33,768.37 254.40 151.31 405.71 50 33,615.93 253.26 152.44 405.71 51 33,462.34 252.12 153.59 405.71 52 33,307.60 250.97 154.74 405.71 53 33,151.70 249.81 155.90 405.71 54 32,994.63 248.64 157.07 405.71 55 32,836.38 247.46 158.25 405.71 56 32,676.95 246.27 159.43 405.71 57 32,516.32 245.08 160.63 405.71 58 32,354.49 243.87 161.83 405.71 59 32,191.44 242.66 163.05 405.71 60 32,027.17 241.44 164.27 405.71 61 31,861.67 240.20 165.50 405.71 62 31,694.92 238.96 166.74 405.71 63 31,526.93 237.71 167.99 405.71

64 31,357.67 236.45 169.25 405.71 65 31,187.15 235.18 170.52 405.71 66 31,015.34 233.90 171.80 405.71 67 30,842.25 232.62 173.09 405.71 68 30,667.86 231.32 174.39 405.71 69 30,492.17 230.01 175.70 405.71 70 30,315.15 228.69 177.02 405.71 71 30,136.81 227.36 178.34 405.71 72 29,957.13 226.03 179.68 405.71 73 29,776.10 224.68 181.03 405.71 74 29,593.71 223.32 182.39 405.71 75 29,409.96 221.95 183.75 405.71 76 29,224.83 220.57 185.13 405.71 77 29,038.31 219.19 186.52 405.71 78 28,850.39 217.79 187.92 405.71 79 28,661.06 216.38 189.33 405.71 80 28,470.31 214.96 190.75 405.71 81 28,278.13 213.53 192.18 405.71 82 28,084.51 212.09 193.62 405.71 83 27,889.44 210.63 195.07 405.71 84 27,692.90 209.17 196.54 405.71 85 27,494.89 207.70 198.01 405.71 86 27,295.40 206.21 199.49 405.71 87 27,094.41 204.72 200.99 405.71 88 26,891.91 203.21 202.50 405.71 89 26,687.89 201.69 204.02 405.71 90 26,482.34 200.16 205.55 405.71 91 26,275.25 198.62 207.09 405.71 92 26,066.61 197.06 208.64 405.71 93 25,856.40 195.50 210.21 405.71 94 25,644.62 193.92 211.78 405.71 95 25,431.25 192.33 213.37 405.71 96 25,216.28 190.73 214.97 405.71 97 24,999.69 189.12 216.58 405.71 98 24,781.48 187.50 218.21 405.71 99 24,561.64 185.86 219.85 405.71

100 24,340.14 184.21 221.49 405.71 101 24,116.99 182.55 223.16 405.71 102 23,892.16 180.88 224.83 405.71 103 23,665.64 179.19 226.52 405.71 104 23,437.43 177.49 228.21 405.71 105 23,207.50 175.78 229.93 405.71 106 22,975.85 174.06 231.65 405.71 107 22,742.46 172.32 233.39 405.71 108 22,507.33 170.57 235.14 405.71 109 22,270.42 168.80 236.90 405.71 110 22,031.75 167.03 238.68 405.71 111 21,791.28 165.24 240.47 405.71 112 21,549.00 163.43 242.27 405.71 113 21,304.92 161.62 244.09 405.71 114 21,059.00 159.79 245.92 405.71 115 20,811.23 157.94 247.76 405.71 116 20,561.61 156.08 249.62 405.71 117 20,310.11 154.21 251.49 405.71 118 20,056.73 152.33 253.38 405.71 119 19,801.45 150.43 255.28 405.71 120 19,544.26 148.51 257.20 405.71 121 19,285.13 146.58 259.12 405.71 122 19,024.06 144.64 261.07 405.71 123 18,761.04 142.68 263.03 405.71 124 18,496.04 140.71 265.00 405.71 125 18,229.05 138.72 266.99 405.71 126 17,960.06 136.72 268.99 405.71 127 17,689.06 134.70 271.01 405.71 128 17,416.02 132.67 273.04 405.71 129 17,140.93 130.62 275.09 405.71 130 16,863.78 128.56 277.15 405.71 131 16,584.56 126.48 279.23 405.71 132 16,303.23 124.38 281.32 405.71 133 16,019.80 122.27 283.43 405.71 134 15,734.24 120.15 285.56 405.71 135 15,446.54 118.01 287.70 405.71

136 15,156.68 115.85 289.86 405.71 137 14,864.65 113.68 292.03 405.71 138 14,570.43 111.48 294.22 405.71 139 14,274.00 109.28 296.43 405.71 140 13,975.35 107.06 298.65 405.71 141 13,674.46 104.82 300.89 405.71 142 13,371.31 102.56 303.15 405.71 143 13,065.89 100.28 305.42 405.71 144 12,758.18 97.99 307.71 405.71 145 12,448.16 95.69 310.02 405.71 146 12,135.81 93.36 312.35 405.71 147 11,821.12 91.02 314.69 405.71 148 11,504.08 88.66 317.05 405.71 149 11,184.65 86.28 319.43 405.71 150 10,862.83 83.88 321.82 405.71 151 10,538.59 81.47 324.24 405.71 152 10,211.93 79.04 326.67 405.71 153 9,882.81 76.59 329.12 405.71 154 9,551.22 74.12 331.59 405.71 155 9,217.15 71.63 334.07 405.71 156 8,880.57 69.13 336.58 405.71 157 8,541.47 66.60 339.10 405.71 158 8,199.82 64.06 341.65 405.71 159 7,855.62 61.50 344.21 405.71 160 7,508.83 58.92 346.79 405.71 161 7,159.44 56.32 349.39 405.71 162 6,807.43 53.70 352.01 405.71 163 6,452.77 51.06 354.65 405.71 164 6,095.46 48.40 357.31 405.71 165 5,735.47 45.72 359.99 405.71 166 5,372.78 43.02 362.69 405.71 167 5,007.37 40.30 365.41 405.71 168 4,639.22 37.56 368.15 405.71 169 4,268.31 34.79 370.91 405.71 170 3,894.61 32.01 373.69 405.71 171 3,518.12 29.21 376.50 405.71

172 3,138.80 26.39 379.32 405.71 173 2,756.63 23.54 382.17 405.71 174 2,371.60 20.67 385.03 405.71 175 1,983.68 17.79 387.92 405.71 176 1,592.85 14.88 390.83 405.71 177 1,199.09 11.95 393.76 405.71 178 802.38 8.99 396.71 405.71 179 402.69 6.02 399.69 405.71 180 0.00 3.02 402.69 405.71

Total 33,027.19 40,000.00 73,027.19


Breno de Campos

Indexador TR Moeda Corrente

Variação Índice Saldo Devedor Prestação

1.00000 40,000.000.05% 1.00050 39,914.24 405.91 0.05% 1.00100 39,827.59 406.11 0.05% 1.00150 39,740.05 406.32 0.05% 1.00200 39,651.60 406.52 0.05% 1.00250 39,562.24 406.72 0.05% 1.00300 39,471.96 406.93 0.05% 1.00351 39,380.75 407.13 0.05% 1.00401 39,288.61 407.33 0.05% 1.00451 39,195.53 407.54 0.05% 1.00501 39,101.51 407.74 0.05% 1.00551 39,006.52 407.94 0.05% 1.00602 38,910.57 408.15 0.05% 1.00652 38,813.65 408.35 0.05% 1.00702 38,715.75 408.56 0.05% 1.00753 38,616.86 408.76 0.05% 1.00803 38,516.98 408.96 0.05% 1.00853 38,416.09 409.17 0.05% 1.00904 38,314.19 409.37 0.05% 1.00954 38,211.27 409.58 0.05% 1.01005 38,107.32 409.78 0.05% 1.01055 38,002.33 409.99 0.05% 1.01106 37,896.30 410.19 0.05% 1.01156 37,789.21 410.40 0.05% 1.01207 37,681.06 410.60 0.05% 1.01258 37,571.85 410.81 0.05% 1.01308 37,461.55 411.01 0.05% 1.01359 37,350.16 411.22

0.05% 1.01409 37,237.68 411.43 0.05% 1.01460 37,124.09 411.63 0.05% 1.01511 37,009.38 411.84 0.05% 1.01562 36,893.55 412.04 0.05% 1.01612 36,776.59 412.25 0.05% 1.01663 36,658.49 412.45 0.05% 1.01714 36,539.23 412.66 0.05% 1.01765 36,418.82 412.87 0.05% 1.01816 36,297.23 413.07 0.05% 1.01867 36,174.46 413.28 0.05% 1.01918 36,050.51 413.49 0.05% 1.01969 35,925.35 413.69 0.05% 1.02020 35,798.99 413.90 0.05% 1.02071 35,671.41 414.11 0.05% 1.02122 35,542.60 414.31 0.05% 1.02173 35,412.55 414.52 0.05% 1.02224 35,281.26 414.73 0.05% 1.02275 35,148.70 414.94 0.05% 1.02326 35,014.88 415.14 0.05% 1.02377 34,879.78 415.35 0.05% 1.02428 34,743.39 415.56 0.05% 1.02480 34,605.70 415.77 0.05% 1.02531 34,466.70 415.97 0.05% 1.02582 34,326.38 416.18 0.05% 1.02633 34,184.73 416.39 0.05% 1.02685 34,041.74 416.60 0.05% 1.02736 33,897.39 416.81 0.05% 1.02787 33,751.68 417.02 0.05% 1.02839 33,604.60 417.22 0.05% 1.02890 33,456.13 417.43 0.05% 1.02942 33,306.26 417.64 0.05% 1.02993 33,154.99 417.85 0.05% 1.03045 33,002.29 418.06 0.05% 1.03096 32,848.17 418.27 0.05% 1.03148 32,692.60 418.48 0.05% 1.03199 32,535.58 418.69

0.05% 1.03251 32,377.09 418.90 0.05% 1.03303 32,217.12 419.11 0.05% 1.03354 32,055.66 419.31 0.05% 1.03406 31,892.70 419.52 0.05% 1.03458 31,728.23 419.73 0.05% 1.03509 31,562.23 419.94 0.05% 1.03561 31,394.69 420.15 0.05% 1.03613 31,225.60 420.36 0.05% 1.03665 31,054.95 420.57 0.05% 1.03716 30,882.72 420.78 0.05% 1.03768 30,708.91 421.00 0.05% 1.03820 30,533.49 421.21 0.05% 1.03872 30,356.45 421.42 0.05% 1.03924 30,177.79 421.63 0.05% 1.03976 29,997.49 421.84 0.05% 1.04028 29,815.53 422.05 0.05% 1.04080 29,631.91 422.26 0.05% 1.04132 29,446.60 422.47 0.05% 1.04184 29,259.61 422.68 0.05% 1.04236 29,070.90 422.89 0.05% 1.04288 28,880.47 423.10 0.05% 1.04340 28,688.31 423.32 0.05% 1.04393 28,494.39 423.53 0.05% 1.04445 28,298.71 423.74 0.05% 1.04497 28,101.26 423.95 0.05% 1.04549 27,902.01 424.16 0.05% 1.04602 27,700.96 424.38 0.05% 1.04654 27,498.08 424.59 0.05% 1.04706 27,293.37 424.80 0.05% 1.04759 27,086.80 425.01 0.05% 1.04811 26,878.37 425.23 0.05% 1.04863 26,668.07 425.44 0.05% 1.04916 26,455.86 425.65 0.05% 1.04968 26,241.74 425.86 0.05% 1.05021 26,025.70 426.08 0.05% 1.05073 25,807.71 426.29

0.05% 1.05126 25,587.77 426.50 0.05% 1.05178 25,365.85 426.72 0.05% 1.05231 25,141.94 426.93 0.05% 1.05284 24,916.03 427.14 0.05% 1.05336 24,688.10 427.36 0.05% 1.05389 24,458.12 427.57 0.05% 1.05442 24,226.10 427.78 0.05% 1.05494 23,992.00 428.00 0.05% 1.05547 23,755.81 428.21 0.05% 1.05600 23,517.53 428.43 0.05% 1.05653 23,277.11 428.64 0.05% 1.05705 23,034.56 428.85 0.05% 1.05758 22,789.86 429.07 0.05% 1.05811 22,542.98 429.28 0.05% 1.05864 22,293.91 429.50 0.05% 1.05917 22,042.63 429.71 0.05% 1.05970 21,789.13 429.93 0.05% 1.06023 21,533.38 430.14 0.05% 1.06076 21,275.37 430.36 0.05% 1.06129 21,015.08 430.57 0.05% 1.06182 20,752.50 430.79 0.05% 1.06235 20,487.59 431.00 0.05% 1.06288 20,220.35 431.22 0.05% 1.06341 19,950.75 431.43 0.05% 1.06395 19,678.78 431.65 0.05% 1.06448 19,404.42 431.87 0.05% 1.06501 19,127.65 432.08 0.05% 1.06554 18,848.44 432.30 0.05% 1.06608 18,566.79 432.51 0.05% 1.06661 18,282.66 432.73 0.05% 1.06714 17,996.05 432.95 0.05% 1.06768 17,706.92 433.16 0.05% 1.06821 17,415.26 433.38 0.05% 1.06874 17,121.05 433.60 0.05% 1.06928 16,824.27 433.81 0.05% 1.06981 16,524.90 434.03

0.05% 1.07035 16,222.91 434.25 0.05% 1.07088 15,918.29 434.46 0.05% 1.07142 15,611.02 434.68 0.05% 1.07195 15,301.07 434.90 0.05% 1.07249 14,988.42 435.12 0.05% 1.07303 14,673.05 435.33 0.05% 1.07356 14,354.93 435.55 0.05% 1.07410 14,034.06 435.77 0.05% 1.07464 13,710.40 435.99 0.05% 1.07517 13,383.93 436.20 0.05% 1.07571 13,054.63 436.42 0.05% 1.07625 12,722.47 436.64 0.05% 1.07679 12,387.44 436.86 0.05% 1.07733 12,049.51 437.08 0.05% 1.07786 11,708.65 437.30 0.05% 1.07840 11,364.85 437.52 0.05% 1.07894 11,018.08 437.73 0.05% 1.07948 10,668.31 437.95 0.05% 1.08002 10,315.52 438.17 0.05% 1.08056 9,959.70 438.39 0.05% 1.08110 9,600.80 438.61 0.05% 1.08164 9,238.81 438.83 0.05% 1.08218 8,873.71 439.05 0.05% 1.08272 8,505.46 439.27 0.05% 1.08327 8,134.05 439.49 0.05% 1.08381 7,759.45 439.71 0.05% 1.08435 7,381.62 439.93 0.05% 1.08489 7,000.56 440.15 0.05% 1.08543 6,616.22 440.37 0.05% 1.08598 6,228.59 440.59 0.05% 1.08652 5,837.63 440.81 0.05% 1.08706 5,443.33 441.03 0.05% 1.08761 5,045.64 441.25 0.05% 1.08815 4,644.56 441.47 0.05% 1.08869 4,240.04 441.69 0.05% 1.08924 3,832.07 441.91

0.05% 1.08978 3,420.61 442.13 0.05% 1.09033 3,005.63 442.35 0.05% 1.09087 2,587.11 442.57 0.05% 1.09142 2,165.02 442.80 0.05% 1.09196 1,739.33 443.02 0.05% 1.09251 1,310.02 443.24 0.05% 1.09306 877.04 443.46 0.05% 1.09360 440.38 443.68 0.05% 1.09415 0.00 443.90

76,432.49

FINANCIAMENTO HABITACIONAL - SAC


0.75% am



0 40,000.00 1 39,777.78 300.00 222.22 522.22 2 39,555.56 298.33 222.22 520.56 3 39,333.33 296.67 222.22 518.89 4 39,111.11 295.00 222.22 517.22 5 38,888.89 293.33 222.22 515.56 6 38,666.67 291.67 222.22 513.89 7 38,444.44 290.00 222.22 512.22 8 38,222.22 288.33 222.22 510.56 9 38,000.00 286.67 222.22 508.89

10 37,777.78 285.00 222.22 507.22 11 37,555.56 283.33 222.22 505.56 12 37,333.33 281.67 222.22 503.89 13 37,111.11 280.00 222.22 502.22 14 36,888.89 278.33 222.22 500.56 15 36,666.67 276.67 222.22 498.89 16 36,444.44 275.00 222.22 497.22 17 36,222.22 273.33 222.22 495.56 18 36,000.00 271.67 222.22 493.89 19 35,777.78 270.00 222.22 492.22 20 35,555.56 268.33 222.22 490.56 21 35,333.33 266.67 222.22 488.89 22 35,111.11 265.00 222.22 487.22 23 34,888.89 263.33 222.22 485.56 24 34,666.67 261.67 222.22 483.89 25 34,444.44 260.00 222.22 482.22 26 34,222.22 258.33 222.22 480.56 27 34,000.00 256.67 222.22 478.89

28 33,777.78 255.00 222.22 477.22 29 33,555.56 253.33 222.22 475.56 30 33,333.33 251.67 222.22 473.89 31 33,111.11 250.00 222.22 472.22 32 32,888.89 248.33 222.22 470.56 33 32,666.67 246.67 222.22 468.89 34 32,444.44 245.00 222.22 467.22 35 32,222.22 243.33 222.22 465.56 36 32,000.00 241.67 222.22 463.89 37 31,777.78 240.00 222.22 462.22 38 31,555.56 238.33 222.22 460.56 39 31,333.33 236.67 222.22 458.89 40 31,111.11 235.00 222.22 457.22 41 30,888.89 233.33 222.22 455.56 42 30,666.67 231.67 222.22 453.89 43 30,444.44 230.00 222.22 452.22 44 30,222.22 228.33 222.22 450.56 45 30,000.00 226.67 222.22 448.89 46 29,777.78 225.00 222.22 447.22 47 29,555.56 223.33 222.22 445.56 48 29,333.33 221.67 222.22 443.89 49 29,111.11 220.00 222.22 442.22 50 28,888.89 218.33 222.22 440.56 51 28,666.67 216.67 222.22 438.89 52 28,444.44 215.00 222.22 437.22 53 28,222.22 213.33 222.22 435.56 54 28,000.00 211.67 222.22 433.89 55 27,777.78 210.00 222.22 432.22 56 27,555.56 208.33 222.22 430.56 57 27,333.33 206.67 222.22 428.89 58 27,111.11 205.00 222.22 427.22 59 26,888.89 203.33 222.22 425.56 60 26,666.67 201.67 222.22 423.89 61 26,444.44 200.00 222.22 422.22 62 26,222.22 198.33 222.22 420.56 63 26,000.00 196.67 222.22 418.89

64 25,777.78 195.00 222.22 417.22 65 25,555.56 193.33 222.22 415.56 66 25,333.33 191.67 222.22 413.89 67 25,111.11 190.00 222.22 412.22 68 24,888.89 188.33 222.22 410.56 69 24,666.67 186.67 222.22 408.89 70 24,444.44 185.00 222.22 407.22 71 24,222.22 183.33 222.22 405.56 72 24,000.00 181.67 222.22 403.89 73 23,777.78 180.00 222.22 402.22 74 23,555.56 178.33 222.22 400.56 75 23,333.33 176.67 222.22 398.89 76 23,111.11 175.00 222.22 397.22 77 22,888.89 173.33 222.22 395.56 78 22,666.67 171.67 222.22 393.89 79 22,444.44 170.00 222.22 392.22 80 22,222.22 168.33 222.22 390.56 81 22,000.00 166.67 222.22 388.89 82 21,777.78 165.00 222.22 387.22 83 21,555.56 163.33 222.22 385.56 84 21,333.33 161.67 222.22 383.89 85 21,111.11 160.00 222.22 382.22 86 20,888.89 158.33 222.22 380.56 87 20,666.67 156.67 222.22 378.89 88 20,444.44 155.00 222.22 377.22 89 20,222.22 153.33 222.22 375.56 90 20,000.00 151.67 222.22 373.89 91 19,777.78 150.00 222.22 372.22 92 19,555.56 148.33 222.22 370.56 93 19,333.33 146.67 222.22 368.89 94 19,111.11 145.00 222.22 367.22 95 18,888.89 143.33 222.22 365.56 96 18,666.67 141.67 222.22 363.89 97 18,444.44 140.00 222.22 362.22 98 18,222.22 138.33 222.22 360.56 99 18,000.00 136.67 222.22 358.89

100 17,777.78 135.00 222.22 357.22 101 17,555.56 133.33 222.22 355.56 102 17,333.33 131.67 222.22 353.89 103 17,111.11 130.00 222.22 352.22 104 16,888.89 128.33 222.22 350.56 105 16,666.67 126.67 222.22 348.89 106 16,444.44 125.00 222.22 347.22 107 16,222.22 123.33 222.22 345.56 108 16,000.00 121.67 222.22 343.89 109 15,777.78 120.00 222.22 342.22 110 15,555.56 118.33 222.22 340.56 111 15,333.33 116.67 222.22 338.89 112 15,111.11 115.00 222.22 337.22 113 14,888.89 113.33 222.22 335.56 114 14,666.67 111.67 222.22 333.89 115 14,444.44 110.00 222.22 332.22 116 14,222.22 108.33 222.22 330.56 117 14,000.00 106.67 222.22 328.89 118 13,777.78 105.00 222.22 327.22 119 13,555.56 103.33 222.22 325.56 120 13,333.33 101.67 222.22 323.89 121 13,111.11 100.00 222.22 322.22 122 12,888.89 98.33 222.22 320.56 123 12,666.67 96.67 222.22 318.89 124 12,444.44 95.00 222.22 317.22 125 12,222.22 93.33 222.22 315.56 126 12,000.00 91.67 222.22 313.89 127 11,777.78 90.00 222.22 312.22 128 11,555.56 88.33 222.22 310.56 129 11,333.33 86.67 222.22 308.89 130 11,111.11 85.00 222.22 307.22 131 10,888.89 83.33 222.22 305.56 132 10,666.67 81.67 222.22 303.89 133 10,444.44 80.00 222.22 302.22 134 10,222.22 78.33 222.22 300.56 135 10,000.00 76.67 222.22 298.89

136 9,777.78 75.00 222.22 297.22 137 9,555.56 73.33 222.22 295.56 138 9,333.33 71.67 222.22 293.89 139 9,111.11 70.00 222.22 292.22 140 8,888.89 68.33 222.22 290.56 141 8,666.67 66.67 222.22 288.89 142 8,444.44 65.00 222.22 287.22 143 8,222.22 63.33 222.22 285.56 144 8,000.00 61.67 222.22 283.89 145 7,777.78 60.00 222.22 282.22 146 7,555.56 58.33 222.22 280.56 147 7,333.33 56.67 222.22 278.89 148 7,111.11 55.00 222.22 277.22 149 6,888.89 53.33 222.22 275.56 150 6,666.67 51.67 222.22 273.89 151 6,444.44 50.00 222.22 272.22 152 6,222.22 48.33 222.22 270.56 153 6,000.00 46.67 222.22 268.89 154 5,777.78 45.00 222.22 267.22 155 5,555.56 43.33 222.22 265.56 156 5,333.33 41.67 222.22 263.89 157 5,111.11 40.00 222.22 262.22 158 4,888.89 38.33 222.22 260.56 159 4,666.67 36.67 222.22 258.89 160 4,444.44 35.00 222.22 257.22 161 4,222.22 33.33 222.22 255.56 162 4,000.00 31.67 222.22 253.89 163 3,777.78 30.00 222.22 252.22 164 3,555.56 28.33 222.22 250.56 165 3,333.33 26.67 222.22 248.89 166 3,111.11 25.00 222.22 247.22 167 2,888.89 23.33 222.22 245.56 168 2,666.67 21.67 222.22 243.89 169 2,444.44 20.00 222.22 242.22 170 2,222.22 18.33 222.22 240.56 171 2,000.00 16.67 222.22 238.89

172 1,777.78 15.00 222.22 237.22 173 1,555.56 13.33 222.22 235.56 174 1,333.33 11.67 222.22 233.89 175 1,111.11 10.00 222.22 232.22 176 888.89 8.33 222.22 230.56 177 666.67 6.67 222.22 228.89 178 444.44 5.00 222.22 227.22 179 222.22 3.33 222.22 225.56 180 0.00 1.67 222.22 223.89

Total 27,150.00 40,000.00 67,150.00


Breno de Campos



1.00000 40,000.000.05% 1.00050 39,797.67 522.48 0.05% 1.00100 39,595.12 521.08 0.05% 1.00150 39,392.36 519.67 0.05% 1.00200 39,189.39 518.26 0.05% 1.00250 38,986.21 516.85 0.05% 1.00300 38,782.81 515.43 0.05% 1.00351 38,579.20 514.02 0.05% 1.00401 38,375.38 512.60 0.05% 1.00451 38,171.34 511.18 0.05% 1.00501 37,967.09 509.76 0.05% 1.00551 37,762.63 508.34 0.05% 1.00602 37,557.95 506.92 0.05% 1.00652 37,353.06 505.50 0.05% 1.00702 37,147.95 504.07 0.05% 1.00753 36,942.63 502.64 0.05% 1.00803 36,737.10 501.21 0.05% 1.00853 36,531.35 499.78 0.05% 1.00904 36,325.38 498.35 0.05% 1.00954 36,119.20 496.92 0.05% 1.01005 35,912.81 495.48 0.05% 1.01055 35,706.19 494.05 0.05% 1.01106 35,499.37 492.61 0.05% 1.01156 35,292.33 491.17 0.05% 1.01207 35,085.07 489.73 0.05% 1.01258 34,877.59 488.29 0.05% 1.01308 34,669.90 486.84 0.05% 1.01359 34,462.00 485.40

0.05% 1.01409 34,253.87 483.95 0.05% 1.01460 34,045.53 482.50 0.05% 1.01511 33,836.98 481.05 0.05% 1.01562 33,628.20 479.60 0.05% 1.01612 33,419.21 478.14 0.05% 1.01663 33,210.00 476.69 0.05% 1.01714 33,000.57 475.23 0.05% 1.01765 32,790.93 473.77 0.05% 1.01816 32,581.07 472.31 0.05% 1.01867 32,370.99 470.85 0.05% 1.01918 32,160.69 469.39 0.05% 1.01969 31,950.17 467.92 0.05% 1.02020 31,739.44 466.46 0.05% 1.02071 31,528.48 464.99 0.05% 1.02122 31,317.31 463.52 0.05% 1.02173 31,105.92 462.05 0.05% 1.02224 30,894.31 460.58 0.05% 1.02275 30,682.48 459.10 0.05% 1.02326 30,470.43 457.62 0.05% 1.02377 30,258.16 456.15 0.05% 1.02428 30,045.67 454.67 0.05% 1.02480 29,832.96 453.19 0.05% 1.02531 29,620.03 451.71 0.05% 1.02582 29,406.88 450.22 0.05% 1.02633 29,193.51 448.74 0.05% 1.02685 28,979.92 447.25 0.05% 1.02736 28,766.10 445.76 0.05% 1.02787 28,552.07 444.27 0.05% 1.02839 28,337.82 442.78 0.05% 1.02890 28,123.34 441.28 0.05% 1.02942 27,908.64 439.79 0.05% 1.02993 27,693.72 438.29 0.05% 1.03045 27,478.58 436.79 0.05% 1.03096 27,263.22 435.30 0.05% 1.03148 27,047.63 433.79 0.05% 1.03199 26,831.82 432.29

0.05% 1.03251 26,615.79 430.79 0.05% 1.03303 26,399.54 429.28 0.05% 1.03354 26,183.06 427.77 0.05% 1.03406 25,966.37 426.26 0.05% 1.03458 25,749.44 424.75 0.05% 1.03509 25,532.30 423.24 0.05% 1.03561 25,314.93 421.72 0.05% 1.03613 25,097.33 420.21 0.05% 1.03665 24,879.52 418.69 0.05% 1.03716 24,661.48 417.17 0.05% 1.03768 24,443.21 415.65 0.05% 1.03820 24,224.72 414.13 0.05% 1.03872 24,006.00 412.60 0.05% 1.03924 23,787.07 411.08 0.05% 1.03976 23,567.90 409.55 0.05% 1.04028 23,348.51 408.02 0.05% 1.04080 23,128.90 406.49 0.05% 1.04132 22,909.06 404.96 0.05% 1.04184 22,688.99 403.42 0.05% 1.04236 22,468.70 401.89 0.05% 1.04288 22,248.18 400.35 0.05% 1.04340 22,027.44 398.81 0.05% 1.04393 21,806.47 397.27 0.05% 1.04445 21,585.27 395.73 0.05% 1.04497 21,363.85 394.19 0.05% 1.04549 21,142.20 392.64 0.05% 1.04602 20,920.32 391.09 0.05% 1.04654 20,698.22 389.55 0.05% 1.04706 20,475.89 387.99 0.05% 1.04759 20,253.33 386.44 0.05% 1.04811 20,030.54 384.89 0.05% 1.04863 19,807.53 383.33 0.05% 1.04916 19,584.28 381.78 0.05% 1.04968 19,360.81 380.22 0.05% 1.05021 19,137.11 378.66 0.05% 1.05073 18,913.19 377.10

0.05% 1.05126 18,689.03 375.53 0.05% 1.05178 18,464.65 373.97 0.05% 1.05231 18,240.03 372.40 0.05% 1.05284 18,015.19 370.83 0.05% 1.05336 17,790.11 369.26 0.05% 1.05389 17,564.81 367.69 0.05% 1.05442 17,339.28 366.12 0.05% 1.05494 17,113.52 364.54 0.05% 1.05547 16,887.53 362.96 0.05% 1.05600 16,661.30 361.39 0.05% 1.05653 16,434.85 359.81 0.05% 1.05705 16,208.17 358.22 0.05% 1.05758 15,981.25 356.64 0.05% 1.05811 15,754.11 355.06 0.05% 1.05864 15,526.73 353.47 0.05% 1.05917 15,299.12 351.88 0.05% 1.05970 15,071.28 350.29 0.05% 1.06023 14,843.21 348.70 0.05% 1.06076 14,614.91 347.10 0.05% 1.06129 14,386.38 345.51 0.05% 1.06182 14,157.61 343.91 0.05% 1.06235 13,928.61 342.31 0.05% 1.06288 13,699.38 340.71 0.05% 1.06341 13,469.91 339.11 0.05% 1.06395 13,240.22 337.51 0.05% 1.06448 13,010.28 335.90 0.05% 1.06501 12,780.12 334.29 0.05% 1.06554 12,549.72 332.69 0.05% 1.06608 12,319.09 331.08 0.05% 1.06661 12,088.23 329.46 0.05% 1.06714 11,857.13 327.85 0.05% 1.06768 11,625.80 326.23 0.05% 1.06821 11,394.23 324.62 0.05% 1.06874 11,162.43 323.00 0.05% 1.06928 10,930.39 321.38 0.05% 1.06981 10,698.12 319.75

0.05% 1.07035 10,465.62 318.13 0.05% 1.07088 10,232.88 316.51 0.05% 1.07142 9,999.90 314.88 0.05% 1.07195 9,766.69 313.25 0.05% 1.07249 9,533.24 311.62 0.05% 1.07303 9,299.56 309.99 0.05% 1.07356 9,065.64 308.35 0.05% 1.07410 8,831.48 306.71 0.05% 1.07464 8,597.09 305.08 0.05% 1.07517 8,362.46 303.44 0.05% 1.07571 8,127.59 301.80 0.05% 1.07625 7,892.49 300.15 0.05% 1.07679 7,657.15 298.51 0.05% 1.07733 7,421.57 296.86 0.05% 1.07786 7,185.76 295.21 0.05% 1.07840 6,949.71 293.57 0.05% 1.07894 6,713.42 291.91 0.05% 1.07948 6,476.89 290.26 0.05% 1.08002 6,240.12 288.61 0.05% 1.08056 6,003.12 286.95 0.05% 1.08110 5,765.88 285.29 0.05% 1.08164 5,528.39 283.63 0.05% 1.08218 5,290.67 281.97 0.05% 1.08272 5,052.71 280.31 0.05% 1.08327 4,814.51 278.64 0.05% 1.08381 4,576.07 276.97 0.05% 1.08435 4,337.40 275.30 0.05% 1.08489 4,098.48 273.63 0.05% 1.08543 3,859.32 271.96 0.05% 1.08598 3,619.92 270.29 0.05% 1.08652 3,380.28 268.61 0.05% 1.08706 3,140.40 266.93 0.05% 1.08761 2,900.28 265.26 0.05% 1.08815 2,659.92 263.57 0.05% 1.08869 2,419.32 261.89 0.05% 1.08924 2,178.48 260.21

0.05% 1.08978 1,937.39 258.52 0.05% 1.09033 1,696.07 256.83 0.05% 1.09087 1,454.50 255.14 0.05% 1.09142 1,212.69 253.45 0.05% 1.09196 970.63 251.76 0.05% 1.09251 728.34 250.06 0.05% 1.09306 485.80 248.37 0.05% 1.09360 243.02 246.67 0.05% 1.09415 0.00 244.97

69,857.53

FINANCIAMENTO HABITACIONAL - SAM


0.75% am



0 40,000.00 1 39,836.04 300.00 163.96 463.96 2 39,671.67 298.77 164.36 463.13 3 39,506.91 297.54 164.76 462.30 4 39,341.75 296.30 165.16 461.46 5 39,176.18 295.06 165.57 460.63 6 39,010.21 293.82 165.98 459.80 7 38,843.82 292.58 166.39 458.96 8 38,677.02 291.33 166.80 458.13 9 38,509.80 290.08 167.22 457.30

10 38,342.16 288.82 167.64 456.46 11 38,174.09 287.57 168.06 455.63 12 38,005.60 286.31 168.49 454.80 13 37,836.68 285.04 168.92 453.96 14 37,667.32 283.78 169.36 453.13 15 37,497.53 282.50 169.79 452.30 16 37,327.29 281.23 170.23 451.46 17 37,156.62 279.95 170.68 450.63 18 36,985.50 278.67 171.12 449.80 19 36,813.92 277.39 171.57 448.96 20 36,641.90 276.10 172.03 448.13 21 36,469.41 274.81 172.48 447.30 22 36,296.47 273.52 172.94 446.46 23 36,123.06 272.22 173.41 445.63 24 35,949.19 270.92 173.87 444.80 25 35,774.84 269.62 174.35 443.96 26 35,600.02 268.31 174.82 443.13 27 35,424.72 267.00 175.30 442.30

28 35,248.94 265.69 175.78 441.46 29 35,072.68 264.37 176.26 440.63 30 34,895.93 263.05 176.75 439.80 31 34,718.68 261.72 177.24 438.96 32 34,540.94 260.39 177.74 438.13 33 34,362.70 259.06 178.24 437.30 34 34,183.96 257.72 178.74 436.46 35 34,004.70 256.38 179.25 435.63 36 33,824.94 255.04 179.76 434.80 37 33,644.67 253.69 180.28 433.96 38 33,463.87 252.33 180.80 433.13 39 33,282.55 250.98 181.32 432.30 40 33,100.70 249.62 181.85 431.46 41 32,918.33 248.26 182.38 430.63 42 32,735.42 246.89 182.91 429.80 43 32,551.97 245.52 183.45 428.96 44 32,367.98 244.14 183.99 428.13 45 32,183.44 242.76 184.54 427.30 46 31,998.35 241.38 185.09 426.46 47 31,812.71 239.99 185.64 425.63 48 31,626.51 238.60 186.20 424.80 49 31,439.74 237.20 186.77 423.96 50 31,252.41 235.80 187.33 423.13 51 31,064.50 234.39 187.90 422.30 52 30,876.02 232.98 188.48 421.46 53 30,686.96 231.57 189.06 420.63 54 30,497.32 230.15 189.65 419.80 55 30,307.08 228.73 190.23 418.96 56 30,116.25 227.30 190.83 418.13 57 29,924.83 225.87 191.43 417.30 58 29,732.80 224.44 192.03 416.46 59 29,540.16 223.00 192.64 415.63 60 29,346.92 221.55 193.25 414.80 61 29,153.05 220.10 193.86 413.96 62 28,958.57 218.65 194.48 413.13 63 28,763.46 217.19 195.11 412.30

64 28,567.72 215.73 195.74 411.46 65 28,371.35 214.26 196.37 410.63 66 28,174.34 212.79 197.01 409.80 67 27,976.68 211.31 197.66 408.96 68 27,778.38 209.83 198.31 408.13 69 27,579.42 208.34 198.96 407.30 70 27,379.80 206.85 199.62 406.46 71 27,179.51 205.35 200.28 405.63 72 26,978.56 203.85 200.95 404.80 73 26,776.94 202.34 201.63 403.96 74 26,574.63 200.83 202.30 403.13 75 26,371.65 199.31 202.99 402.30 76 26,167.97 197.79 203.68 401.46 77 25,963.60 196.26 204.37 400.63 78 25,758.53 194.73 205.07 399.80 79 25,552.75 193.19 205.78 398.96 80 25,346.27 191.65 206.49 398.13 81 25,139.07 190.10 207.20 397.30 82 24,931.14 188.54 207.92 396.46 83 24,722.50 186.98 208.65 395.63 84 24,513.12 185.42 209.38 394.80 85 24,303.00 183.85 210.12 393.96 86 24,092.14 182.27 210.86 393.13 87 23,880.54 180.69 211.61 392.30 88 23,668.18 179.10 212.36 391.46 89 23,455.06 177.51 213.12 390.63 90 23,241.17 175.91 213.88 389.80 91 23,026.52 174.31 214.66 388.96 92 22,811.08 172.70 215.43 388.13 93 22,594.87 171.08 216.21 387.30 94 22,377.87 169.46 217.00 386.46 95 22,160.07 167.83 217.80 385.63 96 21,941.47 166.20 218.60 384.80 97 21,722.07 164.56 219.40 383.96 98 21,501.85 162.92 220.22 383.13 99 21,280.82 161.26 221.03 382.30

100 21,058.96 159.61 221.86 381.46 101 20,836.27 157.94 222.69 380.63 102 20,612.75 156.27 223.53 379.80 103 20,388.38 154.60 224.37 378.96 104 20,163.16 152.91 225.22 378.13 105 19,937.08 151.22 226.07 377.30 106 19,710.15 149.53 226.94 376.46 107 19,482.34 147.83 227.80 375.63 108 19,253.66 146.12 228.68 374.80 109 19,024.10 144.40 229.56 373.96 110 18,793.65 142.68 230.45 373.13 111 18,562.31 140.95 231.35 372.30 112 18,330.06 139.22 232.25 371.46 113 18,096.90 137.48 233.16 370.63 114 17,862.83 135.73 234.07 369.80 115 17,627.84 133.97 234.99 368.96 116 17,391.92 132.21 235.92 368.13 117 17,155.06 130.44 236.86 367.30 118 16,917.26 128.66 237.80 366.46 119 16,678.50 126.88 238.75 365.63 120 16,438.80 125.09 239.71 364.80 121 16,198.12 123.29 240.67 363.96 122 15,956.48 121.49 241.65 363.13 123 15,713.85 119.67 242.62 362.30 124 15,470.24 117.85 243.61 361.46 125 15,225.64 116.03 244.60 360.63 126 14,980.03 114.19 245.61 359.80 127 14,733.42 112.35 246.61 358.96 128 14,485.79 110.50 247.63 358.13 129 14,237.13 108.64 248.65 357.30 130 13,987.45 106.78 249.69 356.46 131 13,736.72 104.91 250.73 355.63 132 13,484.95 103.03 251.77 354.80 133 13,232.12 101.14 252.83 353.96 134 12,978.23 99.24 253.89 353.13 135 12,723.27 97.34 254.96 352.30

136 12,467.23 95.42 256.04 351.46 137 12,210.10 93.50 257.13 350.63 138 11,951.88 91.58 258.22 349.80 139 11,692.56 89.64 259.33 348.96 140 11,432.12 87.69 260.44 348.13 141 11,170.56 85.74 261.56 347.30 142 10,907.88 83.78 262.69 346.46 143 10,644.06 81.81 263.82 345.63 144 10,379.09 79.83 264.97 344.80 145 10,112.97 77.84 266.12 343.96 146 9,845.68 75.85 267.28 343.13 147 9,577.23 73.84 268.46 342.30 148 9,307.59 71.83 269.64 341.46 149 9,036.77 69.81 270.82 340.63 150 8,764.75 67.78 272.02 339.80 151 8,491.52 65.74 273.23 338.96 152 8,217.07 63.69 274.44 338.13 153 7,941.40 61.63 275.67 337.30 154 7,664.50 59.56 276.90 336.46 155 7,386.35 57.48 278.15 335.63 156 7,106.95 55.40 279.40 334.80 157 6,826.29 53.30 280.66 333.96 158 6,544.36 51.20 281.93 333.13 159 6,261.14 49.08 283.22 332.30 160 5,976.64 46.96 284.51 331.46 161 5,690.83 44.82 285.81 330.63 162 5,403.71 42.68 287.12 329.80 163 5,115.28 40.53 288.44 328.96 164 4,825.51 38.36 289.77 328.13 165 4,534.40 36.19 291.11 327.30 166 4,241.95 34.01 292.46 326.46 167 3,948.13 31.81 293.82 325.63 168 3,652.94 29.61 295.19 324.80 169 3,356.38 27.40 296.57 323.96 170 3,058.42 25.17 297.96 323.13 171 2,759.06 22.94 299.36 322.30

172 2,458.29 20.69 300.77 321.46 173 2,156.09 18.44 302.19 320.63 174 1,852.47 16.17 303.63 319.80 175 1,547.39 13.89 305.07 318.96 176 1,240.87 11.61 306.53 318.13 177 932.88 9.31 307.99 317.30 178 623.41 7.00 309.47 316.46 179 312.45 4.68 310.96 315.63 180 0.00 2.34 312.45 314.80

Total 30,088.60 40,000.00 70,088.60


Breno de Campos



1.00000 40,000.000.05% 1.00050 39,855.95 464.20 0.05% 1.00100 39,711.36 463.59 0.05% 1.00150 39,566.20 462.99 0.05% 1.00200 39,420.49 462.39 0.05% 1.00250 39,274.22 461.78 0.05% 1.00300 39,127.38 461.18 0.05% 1.00351 38,979.98 460.57 0.05% 1.00401 38,832.00 459.97 0.05% 1.00451 38,683.44 459.36 0.05% 1.00501 38,534.30 458.75 0.05% 1.00551 38,384.57 458.14 0.05% 1.00602 38,234.26 457.53 0.05% 1.00652 38,083.35 456.92 0.05% 1.00702 37,931.85 456.31 0.05% 1.00753 37,779.75 455.70 0.05% 1.00803 37,627.04 455.09 0.05% 1.00853 37,473.72 454.48 0.05% 1.00904 37,319.78 453.86 0.05% 1.00954 37,165.23 453.25 0.05% 1.01005 37,010.06 452.63 0.05% 1.01055 36,854.26 452.02 0.05% 1.01106 36,697.83 451.40 0.05% 1.01156 36,540.77 450.78 0.05% 1.01207 36,383.07 450.17 0.05% 1.01258 36,224.72 449.55 0.05% 1.01308 36,065.72 448.93 0.05% 1.01359 35,906.08 448.31

0.05% 1.01409 35,745.77 447.69 0.05% 1.01460 35,584.81 447.07 0.05% 1.01511 35,423.18 446.44 0.05% 1.01562 35,260.88 445.82 0.05% 1.01612 35,097.90 445.20 0.05% 1.01663 34,934.24 444.57 0.05% 1.01714 34,769.90 443.95 0.05% 1.01765 34,604.87 443.32 0.05% 1.01816 34,439.15 442.69 0.05% 1.01867 34,272.73 442.07 0.05% 1.01918 34,105.60 441.44 0.05% 1.01969 33,937.76 440.81 0.05% 1.02020 33,769.21 440.18 0.05% 1.02071 33,599.95 439.55 0.05% 1.02122 33,429.96 438.92 0.05% 1.02173 33,259.24 438.28 0.05% 1.02224 33,087.78 437.65 0.05% 1.02275 32,915.59 437.02 0.05% 1.02326 32,742.65 436.38 0.05% 1.02377 32,568.97 435.75 0.05% 1.02428 32,394.53 435.11 0.05% 1.02480 32,219.33 434.48 0.05% 1.02531 32,043.37 433.84 0.05% 1.02582 31,866.63 433.20 0.05% 1.02633 31,689.12 432.56 0.05% 1.02685 31,510.83 431.92 0.05% 1.02736 31,331.75 431.28 0.05% 1.02787 31,151.88 430.64 0.05% 1.02839 30,971.21 430.00 0.05% 1.02890 30,789.74 429.36 0.05% 1.02942 30,607.45 428.72 0.05% 1.02993 30,424.36 428.07 0.05% 1.03045 30,240.44 427.43 0.05% 1.03096 30,055.69 426.78 0.05% 1.03148 29,870.12 426.14 0.05% 1.03199 29,683.70 425.49

0.05% 1.03251 29,496.44 424.84 0.05% 1.03303 29,308.33 424.19 0.05% 1.03354 29,119.36 423.54 0.05% 1.03406 28,929.53 422.89 0.05% 1.03458 28,738.84 422.24 0.05% 1.03509 28,547.26 421.59 0.05% 1.03561 28,354.81 420.94 0.05% 1.03613 28,161.47 420.29 0.05% 1.03665 27,967.23 419.63 0.05% 1.03716 27,772.10 418.98 0.05% 1.03768 27,576.06 418.32 0.05% 1.03820 27,379.10 417.67 0.05% 1.03872 27,181.23 417.01 0.05% 1.03924 26,982.43 416.35 0.05% 1.03976 26,782.70 415.69 0.05% 1.04028 26,582.02 415.03 0.05% 1.04080 26,380.40 414.37 0.05% 1.04132 26,177.83 413.71 0.05% 1.04184 25,974.30 413.05 0.05% 1.04236 25,769.80 412.39 0.05% 1.04288 25,564.33 411.73 0.05% 1.04340 25,357.87 411.06 0.05% 1.04393 25,150.43 410.40 0.05% 1.04445 24,941.99 409.73 0.05% 1.04497 24,732.55 409.07 0.05% 1.04549 24,522.10 408.40 0.05% 1.04602 24,310.64 407.73 0.05% 1.04654 24,098.15 407.07 0.05% 1.04706 23,884.63 406.40 0.05% 1.04759 23,670.07 405.73 0.05% 1.04811 23,454.46 405.06 0.05% 1.04863 23,237.80 404.39 0.05% 1.04916 23,020.07 403.71 0.05% 1.04968 22,801.28 403.04 0.05% 1.05021 22,581.41 402.37 0.05% 1.05073 22,360.45 401.69

0.05% 1.05126 22,138.40 401.02 0.05% 1.05178 21,915.25 400.34 0.05% 1.05231 21,690.99 399.66 0.05% 1.05284 21,465.61 398.99 0.05% 1.05336 21,239.11 398.31 0.05% 1.05389 21,011.47 397.63 0.05% 1.05442 20,782.69 396.95 0.05% 1.05494 20,552.76 396.27 0.05% 1.05547 20,321.67 395.59 0.05% 1.05600 20,089.41 394.91 0.05% 1.05653 19,855.98 394.22 0.05% 1.05705 19,621.37 393.54 0.05% 1.05758 19,385.56 392.85 0.05% 1.05811 19,148.54 392.17 0.05% 1.05864 18,910.32 391.48 0.05% 1.05917 18,670.88 390.80 0.05% 1.05970 18,430.21 390.11 0.05% 1.06023 18,188.30 389.42 0.05% 1.06076 17,945.14 388.73 0.05% 1.06129 17,700.73 388.04 0.05% 1.06182 17,455.05 387.35 0.05% 1.06235 17,208.10 386.66 0.05% 1.06288 16,959.86 385.97 0.05% 1.06341 16,710.33 385.27 0.05% 1.06395 16,459.50 384.58 0.05% 1.06448 16,207.35 383.88 0.05% 1.06501 15,953.89 383.19 0.05% 1.06554 15,699.08 382.49 0.05% 1.06608 15,442.94 381.79 0.05% 1.06661 15,185.45 381.10 0.05% 1.06714 14,926.59 380.40 0.05% 1.06768 14,666.36 379.70 0.05% 1.06821 14,404.75 379.00 0.05% 1.06874 14,141.74 378.30 0.05% 1.06928 13,877.33 377.60 0.05% 1.06981 13,611.51 376.89

0.05% 1.07035 13,344.27 376.19 0.05% 1.07088 13,075.58 375.48 0.05% 1.07142 12,805.46 374.78 0.05% 1.07195 12,533.88 374.07 0.05% 1.07249 12,260.83 373.37 0.05% 1.07303 11,986.30 372.66 0.05% 1.07356 11,710.29 371.95 0.05% 1.07410 11,432.77 371.24 0.05% 1.07464 11,153.74 370.53 0.05% 1.07517 10,873.19 369.82 0.05% 1.07571 10,591.11 369.11 0.05% 1.07625 10,307.48 368.40 0.05% 1.07679 10,022.29 367.68 0.05% 1.07733 9,735.54 366.97 0.05% 1.07786 9,447.20 366.26 0.05% 1.07840 9,157.28 365.54 0.05% 1.07894 8,865.75 364.82 0.05% 1.07948 8,572.60 364.11 0.05% 1.08002 8,277.82 363.39 0.05% 1.08056 7,981.41 362.67 0.05% 1.08110 7,683.34 361.95 0.05% 1.08164 7,383.60 361.23 0.05% 1.08218 7,082.19 360.51 0.05% 1.08272 6,779.09 359.79 0.05% 1.08327 6,474.28 359.06 0.05% 1.08381 6,167.76 358.34 0.05% 1.08435 5,859.51 357.62 0.05% 1.08489 5,549.52 356.89 0.05% 1.08543 5,237.77 356.16 0.05% 1.08598 4,924.25 355.44 0.05% 1.08652 4,608.96 354.71 0.05% 1.08706 4,291.86 353.98 0.05% 1.08761 3,972.96 353.25 0.05% 1.08815 3,652.24 352.52 0.05% 1.08869 3,329.68 351.79 0.05% 1.08924 3,005.27 351.06

0.05% 1.08978 2,679.00 350.33 0.05% 1.09033 2,350.85 349.59 0.05% 1.09087 2,020.80 348.86 0.05% 1.09142 1,688.85 348.12 0.05% 1.09196 1,354.98 347.39 0.05% 1.09251 1,019.18 346.65 0.05% 1.09306 681.42 345.91 0.05% 1.09360 341.70 345.18 0.05% 1.09415 0.00 344.44

73,145.01

FINANCIAMENTO HABITACIONAL - SACRE


0.75% am



0 40,000.00 1 39,777.78 300.00 222.22 522.22 2 39,553.89 298.33 223.89 522.22 3 39,328.32 296.65 225.57 522.22 4 39,101.06 294.96 227.26 522.22 5 38,872.10 293.26 228.96 522.22 6 38,641.42 291.54 230.68 522.22 7 38,409.00 289.81 232.41 522.22 8 38,174.85 288.07 234.15 522.22 9 37,938.94 286.31 235.91 522.22

10 37,701.26 284.54 237.68 522.22 11 37,461.80 282.76 239.46 522.22 12 37,220.54 280.96 241.26 522.22 13 36,998.99 279.15 221.55 500.70 14 36,775.77 277.49 223.21 500.70 15 36,550.89 275.82 224.89 500.70 16 36,324.31 274.13 226.57 500.70 17 36,096.04 272.43 228.27 500.70 18 35,866.06 270.72 229.98 500.70 19 35,634.35 269.00 231.71 500.70 20 35,400.90 267.26 233.45 500.70 21 35,165.70 265.51 235.20 500.70 22 34,928.74 263.74 236.96 500.70 23 34,690.00 261.97 238.74 500.70 24 34,449.47 260.18 240.53 500.70 25 34,228.64 258.37 220.83 479.20 26 34,006.15 256.71 222.49 479.20 27 33,782.00 255.05 224.15 479.20

28 33,556.16 253.36 225.84 479.20 29 33,328.63 251.67 227.53 479.20 30 33,099.40 249.96 229.24 479.20 31 32,868.44 248.25 230.96 479.20 32 32,635.75 246.51 232.69 479.20 33 32,401.32 244.77 234.43 479.20 34 32,165.13 243.01 236.19 479.20 35 31,927.17 241.24 237.96 479.20 36 31,687.42 239.45 239.75 479.20 37 31,467.37 237.66 220.05 457.71 38 31,245.67 236.01 221.70 457.71 39 31,022.30 234.34 223.36 457.71 40 30,797.26 232.67 225.04 457.71 41 30,570.54 230.98 226.73 457.71 42 30,342.11 229.28 228.43 457.71 43 30,111.97 227.57 230.14 457.71 44 29,880.10 225.84 231.87 457.71 45 29,646.49 224.10 233.61 457.71 46 29,411.13 222.35 235.36 457.71 47 29,174.01 220.58 237.12 457.71 48 28,935.11 218.81 238.90 457.71 49 28,715.90 217.01 219.21 436.22 50 28,495.05 215.37 220.85 436.22 51 28,272.55 213.71 222.51 436.22 52 28,048.37 212.04 224.17 436.22 53 27,822.52 210.36 225.86 436.22 54 27,594.97 208.67 227.55 436.22 55 27,365.71 206.96 229.26 436.22 56 27,134.73 205.24 230.98 436.22 57 26,902.03 203.51 232.71 436.22 58 26,667.57 201.77 234.45 436.22 59 26,431.36 200.01 236.21 436.22 60 26,193.38 198.24 237.98 436.22 61 25,975.10 196.45 218.28 414.73 62 25,755.18 194.81 219.92 414.73 63 25,533.62 193.16 221.56 414.73

64 25,310.39 191.50 223.23 414.73 65 25,085.49 189.83 224.90 414.73 66 24,858.91 188.14 226.59 414.73 67 24,630.62 186.44 228.29 414.73 68 24,400.62 184.73 230.00 414.73 69 24,168.90 183.00 231.72 414.73 70 23,935.43 181.27 233.46 414.73 71 23,700.22 179.52 235.21 414.73 72 23,463.24 177.75 236.98 414.73 73 23,245.99 175.97 217.25 393.23 74 23,027.11 174.34 218.88 393.23 75 22,806.59 172.70 220.52 393.23 76 22,584.41 171.05 222.18 393.23 77 22,360.57 169.38 223.84 393.23 78 22,135.04 167.70 225.52 393.23 79 21,907.83 166.01 227.21 393.23 80 21,678.91 164.31 228.92 393.23 81 21,448.28 162.59 230.63 393.23 82 21,215.91 160.86 232.36 393.23 83 20,981.81 159.12 234.11 393.23 84 20,745.94 157.36 235.86 393.23 85 20,529.84 155.59 216.10 371.70 86 20,312.12 153.97 217.72 371.70 87 20,092.76 152.34 219.36 371.70 88 19,871.76 150.70 221.00 371.70 89 19,649.10 149.04 222.66 371.70 90 19,424.77 147.37 224.33 371.70 91 19,198.75 145.69 226.01 371.70 92 18,971.05 143.99 227.71 371.70 93 18,741.63 142.28 229.42 371.70 94 18,510.49 140.56 231.14 371.70 95 18,277.63 138.83 232.87 371.70 96 18,043.01 137.08 234.62 371.70 97 17,828.21 135.32 214.80 350.12 98 17,611.80 133.71 216.41 350.12 99 17,393.77 132.09 218.03 350.12

100 17,174.10 130.45 219.67 350.12 101 16,952.79 128.81 221.31 350.12 102 16,729.81 127.15 222.97 350.12 103 16,505.17 125.47 224.65 350.12 104 16,278.84 123.79 226.33 350.12 105 16,050.81 122.09 228.03 350.12 106 15,821.07 120.38 229.74 350.12 107 15,589.61 118.66 231.46 350.12 108 15,356.41 116.92 233.20 350.12 109 15,143.12 115.17 213.28 328.46 110 14,928.24 113.57 214.88 328.46 111 14,711.75 111.96 216.49 328.46 112 14,493.63 110.34 218.12 328.46 113 14,273.87 108.70 219.75 328.46 114 14,052.47 107.05 221.40 328.46 115 13,829.41 105.39 223.06 328.46 116 13,604.67 103.72 224.74 328.46 117 13,378.25 102.04 226.42 328.46 118 13,150.13 100.34 228.12 328.46 119 12,920.30 98.63 229.83 328.46 120 12,688.75 96.90 231.55 328.46 121 12,477.27 95.17 211.48 306.64 122 12,264.20 93.58 213.07 306.64 123 12,049.54 91.98 214.66 306.64 124 11,833.27 90.37 216.27 306.64 125 11,615.37 88.75 217.90 306.64 126 11,395.84 87.12 219.53 306.64 127 11,174.67 85.47 221.18 306.64 128 10,951.83 83.81 222.83 306.64 129 10,727.32 82.14 224.51 306.64 130 10,501.14 80.45 226.19 306.64 131 10,273.25 78.76 227.89 306.64 132 10,043.65 77.05 229.60 306.64 133 9,834.41 75.33 209.24 284.57 134 9,623.60 73.76 210.81 284.57 135 9,411.21 72.18 212.39 284.57

136 9,197.22 70.58 213.99 284.57 137 8,981.63 68.98 215.59 284.57 138 8,764.42 67.36 217.21 284.57 139 8,545.58 65.73 218.84 284.57 140 8,325.10 64.09 220.48 284.57 141 8,102.97 62.44 222.13 284.57 142 7,879.18 60.77 223.80 284.57 143 7,653.70 59.09 225.48 284.57 144 7,426.53 57.40 227.17 284.57 145 7,220.24 55.70 206.29 261.99 146 7,012.40 54.15 207.84 261.99 147 6,803.00 52.59 209.40 261.99 148 6,592.03 51.02 210.97 261.99 149 6,379.48 49.44 212.55 261.99 150 6,165.33 47.85 214.15 261.99 151 5,949.58 46.24 215.75 261.99 152 5,732.21 44.62 217.37 261.99 153 5,513.21 42.99 219.00 261.99 154 5,292.57 41.35 220.64 261.99 155 5,070.27 39.69 222.30 261.99 156 4,846.31 38.03 223.96 261.99 157 4,644.38 36.35 201.93 238.28 158 4,440.94 34.83 203.44 238.28 159 4,235.97 33.31 204.97 238.28 160 4,029.46 31.77 206.51 238.28 161 3,821.40 30.22 208.06 238.28 162 3,611.79 28.66 209.62 238.28 163 3,400.60 27.09 211.19 238.28 164 3,187.83 25.50 212.77 238.28 165 2,973.46 23.91 214.37 238.28 166 2,757.48 22.30 215.98 238.28 167 2,539.89 20.68 217.60 238.28 168 2,320.66 19.05 219.23 238.28 169 2,127.27 17.40 193.39 210.79 170 1,932.43 15.95 194.84 210.79 171 1,736.13 14.49 196.30 210.79

172 1,538.36 13.02 197.77 210.79 173 1,339.10 11.54 199.26 210.79 174 1,138.35 10.04 200.75 210.79 175 936.10 8.54 202.26 210.79 176 732.33 7.02 203.77 210.79 177 527.03 5.49 205.30 210.79 178 320.19 3.95 206.84 210.79 179 111.79 2.40 208.39 210.79 180 - 0.84 111.79 112.63

Total 26,580.56 40,000.00 66,580.56


Breno de Campos



1.00000 40,000.000.05% 1.00050 39,797.67 522.48 0.05% 1.00100 39,593.45 522.74 0.05% 1.00150 39,387.34 523.01 0.05% 1.00200 39,179.32 523.27 0.05% 1.00250 38,969.37 523.53 0.05% 1.00300 38,757.48 523.79 0.05% 1.00351 38,543.64 524.05 0.05% 1.00401 38,327.82 524.31 0.05% 1.00451 38,110.01 524.58 0.05% 1.00501 37,890.19 524.84 0.05% 1.00551 37,668.35 525.10 0.05% 1.00602 37,444.47 525.36 0.05% 1.00652 37,240.20 503.97 0.05% 1.00702 37,034.04 504.22 0.05% 1.00753 36,825.98 504.47 0.05% 1.00803 36,616.00 504.73 0.05% 1.00853 36,404.09 504.98 0.05% 1.00904 36,190.23 505.23 0.05% 1.00954 35,974.40 505.48 0.05% 1.01005 35,756.60 505.74 0.05% 1.01055 35,536.79 505.99 0.05% 1.01106 35,314.98 506.24 0.05% 1.01156 35,091.14 506.49 0.05% 1.01207 34,865.25 506.75 0.05% 1.01258 34,659.08 485.23 0.05% 1.01308 34,451.01 485.47 0.05% 1.01359 34,241.03 485.71

0.05% 1.01409 34,029.13 485.96 0.05% 1.01460 33,815.30 486.20 0.05% 1.01511 33,599.50 486.44 0.05% 1.01562 33,381.74 486.68 0.05% 1.01612 33,161.99 486.93 0.05% 1.01663 32,940.24 487.17 0.05% 1.01714 32,716.47 487.41 0.05% 1.01765 32,490.67 487.66 0.05% 1.01816 32,262.81 487.90 0.05% 1.01867 32,054.79 466.25 0.05% 1.01918 31,844.86 466.48 0.05% 1.01969 31,633.02 466.72 0.05% 1.02020 31,419.25 466.95 0.05% 1.02071 31,203.54 467.18 0.05% 1.02122 30,985.87 467.42 0.05% 1.02173 30,766.22 467.65 0.05% 1.02224 30,544.58 467.89 0.05% 1.02275 30,320.93 468.12 0.05% 1.02326 30,095.26 468.35 0.05% 1.02377 29,867.54 468.59 0.05% 1.02428 29,637.77 468.82 0.05% 1.02480 29,427.95 447.04 0.05% 1.02531 29,216.23 447.26 0.05% 1.02582 29,002.58 447.48 0.05% 1.02633 28,787.01 447.71 0.05% 1.02685 28,569.48 447.93 0.05% 1.02736 28,349.99 448.15 0.05% 1.02787 28,128.52 448.38 0.05% 1.02839 27,905.05 448.60 0.05% 1.02890 27,679.57 448.83 0.05% 1.02942 27,452.06 449.05 0.05% 1.02993 27,222.50 449.28 0.05% 1.03045 26,990.88 449.50 0.05% 1.03096 26,779.34 427.57 0.05% 1.03148 26,565.89 427.78 0.05% 1.03199 26,350.52 428.00

0.05% 1.03251 26,133.21 428.21 0.05% 1.03303 25,913.95 428.43 0.05% 1.03354 25,692.72 428.64 0.05% 1.03406 25,469.51 428.85 0.05% 1.03458 25,244.29 429.07 0.05% 1.03509 25,017.06 429.28 0.05% 1.03561 24,787.79 429.50 0.05% 1.03613 24,556.47 429.71 0.05% 1.03665 24,323.09 429.93 0.05% 1.03716 24,109.93 407.84 0.05% 1.03768 23,894.85 408.04 0.05% 1.03820 23,677.85 408.25 0.05% 1.03872 23,458.91 408.45 0.05% 1.03924 23,238.01 408.66 0.05% 1.03976 23,015.14 408.86 0.05% 1.04028 22,790.28 409.07 0.05% 1.04080 22,563.42 409.27 0.05% 1.04132 22,334.54 409.48 0.05% 1.04184 22,103.62 409.68 0.05% 1.04236 21,870.64 409.88 0.05% 1.04288 21,635.60 410.09 0.05% 1.04340 21,420.94 387.83 0.05% 1.04393 21,204.36 388.03 0.05% 1.04445 20,985.85 388.22 0.05% 1.04497 20,765.41 388.41 0.05% 1.04549 20,543.00 388.61 0.05% 1.04602 20,318.62 388.80 0.05% 1.04654 20,092.25 389.00 0.05% 1.04706 19,863.87 389.19 0.05% 1.04759 19,633.47 389.39 0.05% 1.04811 19,401.03 389.58 0.05% 1.04863 19,166.53 389.78 0.05% 1.04916 18,929.97 389.97 0.05% 1.04968 18,713.96 367.52 0.05% 1.05021 18,496.05 367.70 0.05% 1.05073 18,276.20 367.88

0.05% 1.05126 18,054.41 368.07 0.05% 1.05178 17,830.67 368.25 0.05% 1.05231 17,604.94 368.43 0.05% 1.05284 17,377.23 368.62 0.05% 1.05336 17,147.51 368.80 0.05% 1.05389 16,915.77 368.99 0.05% 1.05442 16,681.98 369.17 0.05% 1.05494 16,446.14 369.36 0.05% 1.05547 16,208.23 369.54 0.05% 1.05600 15,991.11 346.85 0.05% 1.05653 15,772.08 347.02 0.05% 1.05705 15,551.12 347.20 0.05% 1.05758 15,328.21 347.37 0.05% 1.05811 15,103.35 347.54 0.05% 1.05864 14,876.52 347.72 0.05% 1.05917 14,647.70 347.89 0.05% 1.05970 14,416.87 348.07 0.05% 1.06023 14,184.02 348.24 0.05% 1.06076 13,949.13 348.41 0.05% 1.06129 13,712.19 348.59 0.05% 1.06182 13,473.17 348.76 0.05% 1.06235 13,255.24 325.76 0.05% 1.06288 13,035.41 325.93 0.05% 1.06341 12,813.65 326.09 0.05% 1.06395 12,589.95 326.25 0.05% 1.06448 12,364.30 326.42 0.05% 1.06501 12,136.69 326.58 0.05% 1.06554 11,907.08 326.74 0.05% 1.06608 11,675.48 326.91 0.05% 1.06661 11,441.85 327.07 0.05% 1.06714 11,206.20 327.23 0.05% 1.06768 10,968.49 327.40 0.05% 1.06821 10,728.72 327.56 0.05% 1.06874 10,510.46 304.13 0.05% 1.06928 10,290.30 304.28 0.05% 1.06981 10,068.22 304.44

0.05% 1.07035 9,844.22 304.59 0.05% 1.07088 9,618.27 304.74 0.05% 1.07142 9,390.36 304.89 0.05% 1.07195 9,160.47 305.05 0.05% 1.07249 8,928.59 305.20 0.05% 1.07303 8,694.70 305.35 0.05% 1.07356 8,458.78 305.50 0.05% 1.07410 8,220.83 305.66 0.05% 1.07464 7,980.82 305.81 0.05% 1.07517 7,763.01 281.69 0.05% 1.07571 7,543.31 281.83 0.05% 1.07625 7,321.72 281.97 0.05% 1.07679 7,098.21 282.11 0.05% 1.07733 6,872.78 282.25 0.05% 1.07786 6,645.39 282.39 0.05% 1.07840 6,416.05 282.53 0.05% 1.07894 6,184.73 282.67 0.05% 1.07948 5,951.41 282.82 0.05% 1.08002 5,716.09 282.96 0.05% 1.08056 5,478.74 283.10 0.05% 1.08110 5,239.35 283.24 0.05% 1.08164 5,023.56 257.73 0.05% 1.08218 4,805.91 257.86 0.05% 1.08272 4,586.38 257.99 0.05% 1.08327 4,364.97 258.12 0.05% 1.08381 4,141.66 258.25 0.05% 1.08435 3,916.44 258.38 0.05% 1.08489 3,689.28 258.50 0.05% 1.08543 3,460.17 258.63 0.05% 1.08598 3,229.10 258.76 0.05% 1.08652 2,996.06 258.89 0.05% 1.08706 2,761.01 259.02 0.05% 1.08761 2,523.96 259.15 0.05% 1.08815 2,314.79 229.37 0.05% 1.08869 2,103.83 229.49 0.05% 1.08924 1,891.06 229.60

0.05% 1.08978 1,676.48 229.72 0.05% 1.09033 1,460.06 229.83 0.05% 1.09087 1,241.80 229.95 0.05% 1.09142 1,021.68 230.06 0.05% 1.09196 799.67 230.18 0.05% 1.09251 575.78 230.29 0.05% 1.09306 349.98 230.41 0.05% 1.09360 122.26 230.52 0.05% 1.09415 0.00 123.24

69,218.17

No. Price SAC SAM SACRE0 40,000.00 40,000.00 40,000.00 40,000.001 39,914.24 39,797.67 39,855.95 39,797.672 39,827.59 39,595.12 39,711.36 39,593.453 39,740.05 39,392.36 39,566.20 39,387.344 39,651.60 39,189.39 39,420.49 39,179.325 39,562.24 38,986.21 39,274.22 38,969.376 39,471.96 38,782.81 39,127.38 38,757.487 39,380.75 38,579.20 38,979.98 38,543.648 39,288.61 38,375.38 38,832.00 38,327.829 39,195.53 38,171.34 38,683.44 38,110.01

10 39,101.51 37,967.09 38,534.30 37,890.1911 39,006.52 37,762.63 38,384.57 37,668.3512 38,910.57 37,557.95 38,234.26 37,444.4713 38,813.65 37,353.06 38,083.35 37,240.2014 38,715.75 37,147.95 37,931.85 37,034.0415 38,616.86 36,942.63 37,779.75 36,825.9816 38,516.98 36,737.10 37,627.04 36,616.0017 38,416.09 36,531.35 37,473.72 36,404.0918 38,314.19 36,325.38 37,319.78 36,190.2319 38,211.27 36,119.20 37,165.23 35,974.4020 38,107.32 35,912.81 37,010.06 35,756.6021 38,002.33 35,706.19 36,854.26 35,536.7922 37,896.30 35,499.37 36,697.83 35,314.9823 37,789.21 35,292.33 36,540.77 35,091.1424 37,681.06 35,085.07 36,383.07 34,865.2525 37,571.85 34,877.59 36,224.72 34,659.0826 37,461.55 34,669.90 36,065.72 34,451.0127 37,350.16 34,462.00 35,906.08 34,241.0328 37,237.68 34,253.87 35,745.77 34,029.13

123456789101112131415161718192021222324252627282930313233343536373839404142434445464748495051525354555657585960616263646566676869707172737475767778798081828384858687888990919293949596979899100101102103104105106107108109110111112113114115116117118119120121122123124125126127128129130131132133134135136137138139140141142143144145146147148149150151152153154155156157158159160161162163164165166167168169170171172173174175176177178179180181

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5,000

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20,000

25,000

30,000

35,000

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45,000

SALDO DEVEDOR "Price x SAC x SAM x SACRE"

Price

SAC

SACRE

SAM

29 37,124.09 34,045.53 35,584.81 33,815.3030 37,009.38 33,836.98 35,423.18 33,599.5031 36,893.55 33,628.20 35,260.88 33,381.7432 36,776.59 33,419.21 35,097.90 33,161.9933 36,658.49 33,210.00 34,934.24 32,940.2434 36,539.23 33,000.57 34,769.90 32,716.4735 36,418.82 32,790.93 34,604.87 32,490.6736 36,297.23 32,581.07 34,439.15 32,262.8137 36,174.46 32,370.99 34,272.73 32,054.7938 36,050.51 32,160.69 34,105.60 31,844.8639 35,925.35 31,950.17 33,937.76 31,633.0240 35,798.99 31,739.44 33,769.21 31,419.2541 35,671.41 31,528.48 33,599.95 31,203.5442 35,542.60 31,317.31 33,429.96 30,985.8743 35,412.55 31,105.92 33,259.24 30,766.2244 35,281.26 30,894.31 33,087.78 30,544.5845 35,148.70 30,682.48 32,915.59 30,320.9346 35,014.88 30,470.43 32,742.65 30,095.2647 34,879.78 30,258.16 32,568.97 29,867.5448 34,743.39 30,045.67 32,394.53 29,637.7749 34,605.70 29,832.96 32,219.33 29,427.9550 34,466.70 29,620.03 32,043.37 29,216.2351 34,326.38 29,406.88 31,866.63 29,002.5852 34,184.73 29,193.51 31,689.12 28,787.0153 34,041.74 28,979.92 31,510.83 28,569.4854 33,897.39 28,766.10 31,331.75 28,349.9955 33,751.68 28,552.07 31,151.88 28,128.5256 33,604.60 28,337.82 30,971.21 27,905.0557 33,456.13 28,123.34 30,789.74 27,679.5758 33,306.26 27,908.64 30,607.45 27,452.0659 33,154.99 27,693.72 30,424.36 27,222.5060 33,002.29 27,478.58 30,240.44 26,990.8861 32,848.17 27,263.22 30,055.69 26,779.3462 32,692.60 27,047.63 29,870.12 26,565.8963 32,535.58 26,831.82 29,683.70 26,350.5264 32,377.09 26,615.79 29,496.44 26,133.2165 32,217.12 26,399.54 29,308.33 25,913.9566 32,055.66 26,183.06 29,119.36 25,692.7267 31,892.70 25,966.37 28,929.53 25,469.5168 31,728.23 25,749.44 28,738.84 25,244.2969 31,562.23 25,532.30 28,547.26 25,017.0670 31,394.69 25,314.93 28,354.81 24,787.7971 31,225.60 25,097.33 28,161.47 24,556.4772 31,054.95 24,879.52 27,967.23 24,323.0973 30,882.72 24,661.48 27,772.10 24,109.9374 30,708.91 24,443.21 27,576.06 23,894.8575 30,533.49 24,224.72 27,379.10 23,677.8576 30,356.45 24,006.00 27,181.23 23,458.9177 30,177.79 23,787.07 26,982.43 23,238.0178 29,997.49 23,567.90 26,782.70 23,015.1479 29,815.53 23,348.51 26,582.02 22,790.2880 29,631.91 23,128.90 26,380.40 22,563.4281 29,446.60 22,909.06 26,177.83 22,334.5482 29,259.61 22,688.99 25,974.30 22,103.62

83 29,070.90 22,468.70 25,769.80 21,870.6484 28,880.47 22,248.18 25,564.33 21,635.6085 28,688.31 22,027.44 25,357.87 21,420.9486 28,494.39 21,806.47 25,150.43 21,204.3687 28,298.71 21,585.27 24,941.99 20,985.8588 28,101.26 21,363.85 24,732.55 20,765.4189 27,902.01 21,142.20 24,522.10 20,543.0090 27,700.96 20,920.32 24,310.64 20,318.6291 27,498.08 20,698.22 24,098.15 20,092.2592 27,293.37 20,475.89 23,884.63 19,863.8793 27,086.80 20,253.33 23,670.07 19,633.4794 26,878.37 20,030.54 23,454.46 19,401.0395 26,668.07 19,807.53 23,237.80 19,166.5396 26,455.86 19,584.28 23,020.07 18,929.9797 26,241.74 19,360.81 22,801.28 18,713.9698 26,025.70 19,137.11 22,581.41 18,496.0599 25,807.71 18,913.19 22,360.45 18,276.20

100 25,587.77 18,689.03 22,138.40 18,054.41101 25,365.85 18,464.65 21,915.25 17,830.67102 25,141.94 18,240.03 21,690.99 17,604.94103 24,916.03 18,015.19 21,465.61 17,377.23104 24,688.10 17,790.11 21,239.11 17,147.51105 24,458.12 17,564.81 21,011.47 16,915.77106 24,226.10 17,339.28 20,782.69 16,681.98107 23,992.00 17,113.52 20,552.76 16,446.14108 23,755.81 16,887.53 20,321.67 16,208.23109 23,517.53 16,661.30 20,089.41 15,991.11110 23,277.11 16,434.85 19,855.98 15,772.08111 23,034.56 16,208.17 19,621.37 15,551.12112 22,789.86 15,981.25 19,385.56 15,328.21113 22,542.98 15,754.11 19,148.54 15,103.35114 22,293.91 15,526.73 18,910.32 14,876.52115 22,042.63 15,299.12 18,670.88 14,647.70116 21,789.13 15,071.28 18,430.21 14,416.87117 21,533.38 14,843.21 18,188.30 14,184.02118 21,275.37 14,614.91 17,945.14 13,949.13119 21,015.08 14,386.38 17,700.73 13,712.19120 20,752.50 14,157.61 17,455.05 13,473.17121 20,487.59 13,928.61 17,208.10 13,255.24122 20,220.35 13,699.38 16,959.86 13,035.41123 19,950.75 13,469.91 16,710.33 12,813.65124 19,678.78 13,240.22 16,459.50 12,589.95125 19,404.42 13,010.28 16,207.35 12,364.30126 19,127.65 12,780.12 15,953.89 12,136.69127 18,848.44 12,549.72 15,699.08 11,907.08128 18,566.79 12,319.09 15,442.94 11,675.48129 18,282.66 12,088.23 15,185.45 11,441.85130 17,996.05 11,857.13 14,926.59 11,206.20131 17,706.92 11,625.80 14,666.36 10,968.49132 17,415.26 11,394.23 14,404.75 10,728.72133 17,121.05 11,162.43 14,141.74 10,510.46134 16,824.27 10,930.39 13,877.33 10,290.30135 16,524.90 10,698.12 13,611.51 10,068.22136 16,222.91 10,465.62 13,344.27 9,844.22

137 15,918.29 10,232.88 13,075.58 9,618.27138 15,611.02 9,999.90 12,805.46 9,390.36139 15,301.07 9,766.69 12,533.88 9,160.47140 14,988.42 9,533.24 12,260.83 8,928.59141 14,673.05 9,299.56 11,986.30 8,694.70142 14,354.93 9,065.64 11,710.29 8,458.78143 14,034.06 8,831.48 11,432.77 8,220.83144 13,710.40 8,597.09 11,153.74 7,980.82145 13,383.93 8,362.46 10,873.19 7,763.01146 13,054.63 8,127.59 10,591.11 7,543.31147 12,722.47 7,892.49 10,307.48 7,321.72148 12,387.44 7,657.15 10,022.29 7,098.21149 12,049.51 7,421.57 9,735.54 6,872.78150 11,708.65 7,185.76 9,447.20 6,645.39151 11,364.85 6,949.71 9,157.28 6,416.05152 11,018.08 6,713.42 8,865.75 6,184.73153 10,668.31 6,476.89 8,572.60 5,951.41154 10,315.52 6,240.12 8,277.82 5,716.09155 9,959.70 6,003.12 7,981.41 5,478.74156 9,600.80 5,765.88 7,683.34 5,239.35157 9,238.81 5,528.39 7,383.60 5,023.56158 8,873.71 5,290.67 7,082.19 4,805.91159 8,505.46 5,052.71 6,779.09 4,586.38160 8,134.05 4,814.51 6,474.28 4,364.97161 7,759.45 4,576.07 6,167.76 4,141.66162 7,381.62 4,337.40 5,859.51 3,916.44163 7,000.56 4,098.48 5,549.52 3,689.28164 6,616.22 3,859.32 5,237.77 3,460.17165 6,228.59 3,619.92 4,924.25 3,229.10166 5,837.63 3,380.28 4,608.96 2,996.06167 5,443.33 3,140.40 4,291.86 2,761.01168 5,045.64 2,900.28 3,972.96 2,523.96169 4,644.56 2,659.92 3,652.24 2,314.79170 4,240.04 2,419.32 3,329.68 2,103.83171 3,832.07 2,178.48 3,005.27 1,891.06172 3,420.61 1,937.39 2,679.00 1,676.48173 3,005.63 1,696.07 2,350.85 1,460.06174 2,587.11 1,454.50 2,020.80 1,241.80175 2,165.02 1,212.69 1,688.85 1,021.68176 1,739.33 970.63 1,354.98 799.67177 1,310.02 728.34 1,019.18 575.78178 877.04 485.80 681.42 349.98179 440.38 243.02 341.70 122.26180 - - 0.00 0.00

Breno de Campos


123456789101112131415161718192021222324252627282930313233343536373839404142434445464748495051525354555657585960616263646566676869707172737475767778798081828384858687888990919293949596979899100101102103104105106107108109110111112113114115116117118119120121122123124125126127128129130131132133134135136137138139140141142143144145146147148149150151152153154155156157158159160161162163164165166167168169170171172173174175176177178179180181

-

5,000

10,000

15,000

20,000

25,000

30,000

35,000

40,000

45,000

SALDO DEVEDOR "Price x SAC x SAM x SACRE"

Price

SAC

SACRE

SAM

CONSÓRCIO x FINANCIAMENTO

FinanciamentoCONSÓRCIO

Sorteio Sorteio Sorteio Sorteio1o. Mês 12o. Mês 20o. Mês 36o. Mês

VPL -8,797.95 4,977.70 1,898.21 -138.94 -3,757.521.0%

2.00%Taxa Adm. 10.0% Prazo (meses)Prestação 550.00

0 30,000.00 - - - - 1 -863.04 29,450.00 -550.00 -550.00 -550.002 -863.04 -550.00 -550.00 -550.00 -550.003 -863.04 -550.00 -550.00 -550.00 -550.004 -863.04 -550.00 -550.00 -550.00 -550.005 -863.04 -550.00 -550.00 -550.00 -550.006 -863.04 -550.00 -550.00 -550.00 -550.007 -863.04 -550.00 -550.00 -550.00 -550.008 -863.04 -550.00 -550.00 -550.00 -550.009 -863.04 -550.00 -550.00 -550.00 -550.00

10 -863.04 -550.00 -550.00 -550.00 -550.0011 -863.04 -550.00 -550.00 -550.00 -550.0012 -863.04 -550.00 29,450.00 -550.00 -550.0013 -863.04 -550.00 -550.00 -550.00 -550.0014 -863.04 -550.00 -550.00 -550.00 -550.0015 -863.04 -550.00 -550.00 -550.00 -550.0016 -863.04 -550.00 -550.00 -550.00 -550.0017 -863.04 -550.00 -550.00 -550.00 -550.0018 -863.04 -550.00 -550.00 -550.00 -550.0019 -863.04 -550.00 -550.00 -550.00 -550.0020 -863.04 -550.00 -550.00 29,450.00 -550.0021 -863.04 -550.00 -550.00 -550.00 -550.0022 -863.04 -550.00 -550.00 -550.00 -550.0023 -863.04 -550.00 -550.00 -550.00 -550.0024 -863.04 -550.00 -550.00 -550.00 -550.0025 -863.04 -550.00 -550.00 -550.00 -550.0026 -863.04 -550.00 -550.00 -550.00 -550.0027 -863.04 -550.00 -550.00 -550.00 -550.0028 -863.04 -550.00 -550.00 -550.00 -550.0029 -863.04 -550.00 -550.00 -550.00 -550.0030 -863.04 -550.00 -550.00 -550.00 -550.0031 -863.04 -550.00 -550.00 -550.00 -550.00

Taxa Juro Fin.

32 -863.04 -550.00 -550.00 -550.00 -550.0033 -863.04 -550.00 -550.00 -550.00 -550.0034 -863.04 -550.00 -550.00 -550.00 -550.0035 -863.04 -550.00 -550.00 -550.00 -550.0036 -863.04 -550.00 -550.00 -550.00 29,450.0037 -863.04 -550.00 -550.00 -550.00 -550.0038 -863.04 -550.00 -550.00 -550.00 -550.0039 -863.04 -550.00 -550.00 -550.00 -550.0040 -863.04 -550.00 -550.00 -550.00 -550.0041 -863.04 -550.00 -550.00 -550.00 -550.0042 -863.04 -550.00 -550.00 -550.00 -550.0043 -863.04 -550.00 -550.00 -550.00 -550.0044 -863.04 -550.00 -550.00 -550.00 -550.0045 -863.04 -550.00 -550.00 -550.00 -550.0046 -863.04 -550.00 -550.00 -550.00 -550.0047 -863.04 -550.00 -550.00 -550.00 -550.0048 -863.04 -550.00 -550.00 -550.00 -550.0049 -863.04 -550.00 -550.00 -550.00 -550.0050 -863.04 -550.00 -550.00 -550.00 -550.0051 -863.04 -550.00 -550.00 -550.00 -550.0052 -863.04 -550.00 -550.00 -550.00 -550.0053 -863.04 -550.00 -550.00 -550.00 -550.0054 -863.04 -550.00 -550.00 -550.00 -550.0055 -863.04 -550.00 -550.00 -550.00 -550.0056 -863.04 -550.00 -550.00 -550.00 -550.0057 -863.04 -550.00 -550.00 -550.00 -550.0058 -863.04 -550.00 -550.00 -550.00 -550.0059 -863.04 -550.00 -550.00 -550.00 -550.0060 -863.04 -550.00 -550.00 -550.00 -550.00

Breno de Campos


CONSÓRCIOSorteio Sorteio

48o. Mês 60o. Mês

-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 -550.00-550.00 -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 29,450.00

Exemplo de Empréstimo em Moeda Estrangeira

Valor do Financiamento : 1,000,000.00 US$ Comissão Repasse : 2.00%Número de Amortizações : 12 Semestres Imposto de Renda : 15.00%Carência c/ pagto de juros : 4 Semestres Flat Fee : 1.00%LIBOR (6 meses) : 6.00% aa Flat Fee em US$ : 10,000.00Spread : 1.50% aa

CUSTO DA OPERAÇÃO aa : 11.18%

Semestre Saldo Dev. Amortização Juros Com. Repasse Imp. Renda Total Pgto Fluxo de Caixa

0 1,000,000.00 - - - - - 990,000.001 1,000,000.00 0.00 37,500.00 10,000.00 5,625.00 53,125.00 -53,125.002 1,000,000.00 0.00 37,500.00 10,000.00 5,625.00 53,125.00 -53,125.003 1,000,000.00 0.00 37,500.00 10,000.00 5,625.00 53,125.00 -53,125.004 1,000,000.00 0.00 37,500.00 10,000.00 5,625.00 53,125.00 -53,125.00

5 916,666.67 83,333.33 37,500.00 10,000.00 5,625.00 136,458.33 -136,458.336 833,333.33 83,333.33 34,375.00 9,166.67 5,156.25 132,031.25 -132,031.257 750,000.00 83,333.33 31,250.00 8,333.33 4,687.50 127,604.17 -127,604.178 666,666.67 83,333.33 28,125.00 7,500.00 4,218.75 123,177.08 -123,177.089 583,333.33 83,333.33 25,000.00 6,666.67 3,750.00 118,750.00 -118,750.00

10 500,000.00 83,333.33 21,875.00 5,833.33 3,281.25 114,322.92 -114,322.9211 416,666.67 83,333.33 18,750.00 5,000.00 2,812.50 109,895.83 -109,895.8312 333,333.33 83,333.33 15,625.00 4,166.67 2,343.75 105,468.75 -105,468.7513 250,000.00 83,333.33 12,500.00 3,333.33 1,875.00 101,041.67 -101,041.6714 166,666.67 83,333.33 9,375.00 2,500.00 1,406.25 96,614.58 -96,614.5815 83,333.33 83,333.33 6,250.00 1,666.67 937.50 92,187.50 -92,187.5016 0.00 83,333.33 3,125.00 833.33 468.75 87,760.42 -87,760.42

Total 1,000,000.00 393,750.00 105,000.00 59,062.50 1,557,812.50

Breno de Campos

Exemplo de Financiamento p/ Sistema BNDES/FINAME

Valor do Financiamento : 360,000.00 Carência : 12 mesesTJLP : 5.50% Amortização : 36 meses Parcela de Juro da TJLP : 5.50% Prazo Total : 48 meses Spread Básico 2.00% Moeda : URTJ (**)Juros TJLP + Spread : 7.50% CUSTO REAL DA OPERAÇÃO aa : 9.23%Spread de Risco/Del Credere : 1.50% 9.23%Dias do ano : 360 (**) Moeda do Sistema BNDES corrigida diáriamente p/

(*) Taxa Efetiva utilizando o ano de 360 dias parcela da TJLP que excede a 6% aa

Data Dias Saldo Devedor Amortização Juros (*) Del Credere (*) Pagamento Fluxo de Caixa

15-Dec-12 360,000.00 - - - - 360,000.00

15-Jan-13 - 360,000.00 0 0 0 0 0.00

15-Feb-13 - 360,000.00 0 0 0 0 0.00

15-Mar-13 90 360,000.00 0 6,568.06 1,342.47 7,910.53 -7,910.53

15-Apr-13 - 360,000.00 0 0 0 0 0.00

15-May-13 - 360,000.00 0 0 0 0 0.00

15-Jun-13 92 360,000.00 0 6,715.37 1,372.36 8,087.73 -8,087.73

15-Jul-13 - 360,000.00 0 0 0 0 0.00

15-Aug-13 - 360,000.00 0 0 0 0 0.00

15-Sep-13 92 360,000.00 0 6,715.37 1,372.36 8,087.73 -8,087.73

15-Oct-13 - 360,000.00 0 0 0 0 0.00

15-Nov-13 - 360,000.00 0 0 0 0 0.00

15-Dec-13 91 360,000.00 0 6,641.70 1,357.42 7,999.12 -7,999.12

15-Jan-14 31 350,000.00 10,000.00 2,248.94 461.84 12,710.78 -12,710.78

15-Feb-14 31 340,000.00 10,000.00 2,186.47 449.01 12,635.48 -12,635.48

15-Mar-14 28 330,000.00 10,000.00 1,917.87 393.95 12,311.82 -12,311.82

15-Apr-14 31 320,000.00 10,000.00 2,061.52 423.36 12,484.88 -12,484.88

15-May-14 30 310,000.00 10,000.00 1,934.37 397.28 12,331.65 -12,331.65

15-Jun-14 31 300,000.00 10,000.00 1,936.58 397.70 12,334.28 -12,334.28

15-Jul-14 30 290,000.00 10,000.00 1,813.48 372.45 12,185.92 -12,185.92

15-Aug-14 31 280,000.00 10,000.00 1,811.64 372.04 12,183.68 -12,183.68

15-Sep-14 31 270,000.00 10,000.00 1,749.17 359.21 12,108.38 -12,108.38

15-Oct-14 30 260,000.00 10,000.00 1,632.13 335.20 11,967.33 -11,967.33

15-Nov-14 31 250,000.00 10,000.00 1,624.23 333.55 11,957.78 -11,957.78

15-Dec-14 30 240,000.00 10,000.00 1,511.23 310.37 11,821.60 -11,821.60

15-Jan-15 31 230,000.00 10,000.00 1,499.29 307.90 11,807.19 -11,807.19

15-Feb-15 31 220,000.00 10,000.00 1,436.82 295.07 11,731.89 -11,731.89

15-Mar-15 28 210,000.00 10,000.00 1,240.97 254.91 11,495.88 -11,495.88

15-Apr-15 31 200,000.00 10,000.00 1,311.88 269.41 11,581.29 -11,581.29

15-May-15 30 190,000.00 10,000.00 1,208.98 248.30 11,457.28 -11,457.28

15-Jun-15 31 180,000.00 10,000.00 1,186.94 243.75 11,430.69 -11,430.69

15-Jul-15 30 170,000.00 10,000.00 1,088.09 223.47 11,311.55 -11,311.55

15-Aug-15 31 160,000.00 10,000.00 1,062.00 218.09 11,280.09 -11,280.09

15-Sep-15 31 150,000.00 10,000.00 999.53 205.26 11,204.79 -11,204.79

15-Oct-15 30 140,000.00 10,000.00 906.74 186.22 11,092.96 -11,092.96

15-Nov-15 31 130,000.00 10,000.00 874.59 179.61 11,054.19 -11,054.19

15-Dec-15 30 120,000.00 10,000.00 785.84 161.39 10,947.23 -10,947.23

15-Jan-16 31 110,000.00 10,000.00 749.65 153.95 10,903.59 -10,903.59

15-Feb-16 31 100,000.00 10,000.00 687.17 141.12 10,828.29 -10,828.29

15-Mar-16 29 90,000.00 10,000.00 584.28 120.01 10,704.29 -10,704.29

15-Apr-16 31 80,000.00 10,000.00 562.23 115.46 10,677.69 -10,677.69

15-May-16 30 70,000.00 10,000.00 483.59 99.32 10,582.91 -10,582.91

15-Jun-16 31 60,000.00 10,000.00 437.29 89.80 10,527.10 -10,527.10

15-Jul-16 30 50,000.00 10,000.00 362.70 74.49 10,437.18 -10,437.18

15-Aug-16 31 40,000.00 10,000.00 312.35 64.14 10,376.50 -10,376.50

15-Sep-16 31 30,000.00 10,000.00 249.88 51.32 10,301.20 -10,301.20

15-Oct-16 30 20,000.00 10,000.00 181.35 37.24 10,218.59 -10,218.59

15-Nov-16 31 10,000.00 10,000.00 124.94 25.66 10,150.60 -10,150.60

15-Dec-16 30 0.00 10,000.00 60.45 12.41 10,072.86 -10,072.86

Total 360,000.00 67,465.68 13,828.87 441,294.55

ANÁLISE DE INVESTIMENTO Funções Financeiras do Excel

Versão 3.75 19-Sep-12

BRENO DE CAMPOS(31) [email protected]

Breno de Campos

ANÁLISE DE INVESTIMENTO Funções Financeiras do Excel

ROI

Página 174

CAPITAL TERCEIROS (DEBT)

12.00%

INVESTIMENTO Kd

RENTABILIDADE PROJETODO

INVESTIMENTO TOTAL $100,000

"Return on Investment" CAPITAL PRÓPRIO (EQUITY)ROI

Análise Econômica 18.00%Ke

CUSTO MÉDIO PONDERADO DE CAPITAL - WACC

(*) Se a empresa é tributada pelo Lucro Real Taxa Mínima de Atratividade :

Imposto s/ Lucro T (*) :

CMPC ou TMA


ROI

Página 175

Breno de Campos

ROI

Página 176

CAPITAL TERCEIROS (DEBT)

60.0% $60,000

Wd

CAPITAL PRÓPRIO (EQUITY)

40.0% $40,000We

CUSTO MÉDIO PONDERADO DE CAPITAL - WACC

Taxa Mínima de Atratividade : 12.24%

30%

ROE

Página 177

FINANCIAMENTO (DEBT)

12.00% 60.0%Kd Wd

PROJETO

TOTAL 100,000


Análise Financeira 18.00% 40.0%Ke We

RENTABILIDADE DO CAPITAL PRÓPRIO"Return on Equity"

ROE


ROE

Página 178

Breno de Campos

ROE

Página 179

FINANCIAMENTO (DEBT)

60,000


40,000

RENTABILIDADE DO CAPITAL PRÓPRIO

TRIBUTAÇÃO DO RESULTADO DO EXERCÍCIO Apuração do Imposto pelo Lucro Real

DISCRIMINAÇÃO BASE DE CÁLCULO VALOR (R$) PERCENTUAL

Lucro Tributável 100,000.00 100.00%

Contrib. Social : 9% sobre BC 9% 100,000.00 9,000.00 9.00%

IR Federal : 15% sobre BC 15% 100,000.00 15,000.00

10% sobre BC (*) 10% - - 240,000.00

Total IR Total 15,000.00 15.00%

IR + Contribuição Social 24,000.00 24.00%

(*) IR Adicional : 10% sobre o Lucro Tributável que ultrapassar R$ R$ 240,000.00 (Base anual)

COMPENSAÇÃO DO IMPOSTO DE RENDA E DA CONTRIBUIÇÃO SOCIAL

DISCRIMINAÇÃO 2023 2024 2025

LUCRO TRIBUTÁVEL -200,000 100,000 200,000

Prejuízo (200,000) 0 0

Prej a compensar 30% 0 -30,000 -60,000

PREJUÍZO ACUM. -200,000 -170,000 -110,000

Base cálculo IR/CS -200,000 70,000 140,000

IR/CSLL 0 (16,800) (33,600)

LUCRO LÍQUIDO (200,000) 83,200 166,400

IR/CSLL BÁSICO 24.0%

ADICIONAL 10.0% acima de R$ 240,000.00


Breno de Campos

COMPENSAÇÃO DO IMPOSTO DE RENDA E DA CONTRIBUIÇÃO SOCIAL

2026 2027

600,000 900,000

0 0

-110,000 0

0 0

490,000 900,000

(142,600) (282,000)

457,400 618,000

MODELO CAPM"Capital Asset Pricing Model"

CUSTO CAP. PRÓPRIO = TX S/ RISCO + BETA X ( RENTAB. MKT - TAXA S/ RISCO)

Ke = Rf + Beta x (Rm - Rf)

TAXA S/ RISCO (Rf) 4.0% aa Ref. Remun. Letra do Tesouro Brasileiro

RENTAB. DO MERCADO (Rm) 13.0% aa Ref. Remun. IBOVESPA

BETA 1.97

CUSTO CAP. PRÓPRIO (Ke) 21.7% aa

Obs. : Todas as Taxas de Juro acima são Reais

CÁLCULO DO BETA

Mercado (x) Cia A (y)

23.8% 38.6% BETA (*) 1.9684 -7.2% -24.7% BETA (**) 1.9684 10.0% 18.0% 0

6.6% 12.3%-10.5% -20.4% (*) Inclinação Gráfico Mercado x Empresa20.6% 40.1% (**) Covar.da Empresa c/ Mercado / Var. do Mercado

7.2% 10.7% <<< Retorno Médio

14.0% 28.0% <<< Desvio Padrão Amostral

12.8% 25.6% <<< Desvio Padrão da População

3.2% <<< Covariância

1 2 3 4 5 6

-30.0%

-20.0%

-10.0%

0.0%

10.0%

20.0%

30.0%

40.0%

50.0%

Mercado x Empresa

Mercado

Empresa

1 2 3 4 5 6

-30.0%

-20.0%

-10.0%

0.0%

10.0%

20.0%

30.0%

40.0%

50.0%

Mercado x Empresa

Mercado

Empresa


Breno de Campos

CUSTO CAP. PRÓPRIO = TX S/ RISCO + BETA X ( RENTAB. MKT - TAXA S/ RISCO)

Ref. Remun. Letra do Tesouro Brasileiro

Ref. Remun. IBOVESPA

9.0% 38.6%

0 = Beta <0 -1.4% -24.7% 0 <> Beta > 1 4.7% 18.0%

2.4% 12.3%(*) Inclinação Gráfico Mercado x Empresa -3.4% -20.4%(**) Covar.da Empresa c/ Mercado / Var. do Mercado 11.4% 40.1%

Cia B (y) Cia A

(y)

1 2 3 4 5 6

-30.0%

-20.0%

-10.0%

0.0%

10.0%

20.0%

30.0%

40.0%

50.0%

Mercado x Empresa

Mercado

Empresa

1 2 3 4 5 6

-30.0%

-20.0%

-10.0%

0.0%

10.0%

20.0%

30.0%

40.0%

50.0%

Mercado x Empresa

Mercado

Empresa

PROJETO SEM FINANCIAMENTO - Avaliação Econômica - Lucro Real

DISCRIMINAÇÃO Ano 0 Ano 1 Ano 2 Ano 3 Ano 4 Ano 5

INVESTIMENTO -30,000

CAPITAL DE GIRO -2,000

RECEITA LÍQUIDA 60,000 60,000 60,000 60,000 60,000

CUSTOS TOTAIS -48,000 -48,000 -48,000 -48,000 -48,000

LUCRO OPERACIONAL 12,000 12,000 12,000 12,000 12,000

DEPRECIAÇÃO (Vida Útil : 5 anos) 5 -5,000 -5,000 -5,000 -5,000 -5,000

LUCRO TRIBUTÁVEL 7,000 7,000 7,000 7,000 7,000

IMP. RENDA/CONTRIB. SOC. 30.0% -2,100 -2,100 -2,100 -2,100 -2,100

LUCRO LÍQUIDO 4,900 4,900 4,900 4,900 4,900

Ajustes DEPRECIAÇÃO 5,000 5,000 5,000 5,000 5,000 VALOR RESIDUAL - VENDA DO VEÍCULO 5,000 RECUPERAÇÃO CAPITAL DE GIRO 2,000

FLUXO CAIXA DO PROJETO -32,000 9,900 9,900 9,900 9,900 16,900

RENTABILIDADE DO PROJETO 20.55% aa VPL DO PROJETO :

O Projeto é Viável Economicamente 7,405.82

TAXA MÍNIMA DE ATRATIVIDADE Perc. Tx Bruta IR/CS Tx Líq. 12.24%

Capital de Terceiros 60.00% 12.00% 30.00% 8.40%

Capital Próprio 40.00% 18.00% 18.00%

PROJETO COM FINANCIAMENTO

Financiamento


FINANCIAMENTO 19,200

SALDO DEVEDOR 19,200 19,200 12,800 6,400 - JUROS 12.0% -2,304 -2,304 -1,536 -768 -

AMORTIZAÇÃO 3 0 -6,400 -6,400 -6,400 -

FLUXO DO FINANCIAMENTO 19,200 -2,304 -8,704 -7,936 -7,168 -

Avaliação Financeira


INVESTIMENTO -30,000CAPITAL DE GIRO -2,000RECEITA LÍQUIDA 60,000 60,000 60,000 60,000 60,000CUSTOS TOTAIS -48,000 -48,000 -48,000 -48,000 -48,000LUCRO OPERACIONAL 12,000 12,000 12,000 12,000 12,000DESPESAS FINANCEIRAS -2,304 -2,304 -1,536 -768 0DEPRECIAÇÃO (Vida Útil : 5 anos) 5 -5,000 -5,000 -5,000 -5,000 -5,000LUCRO TRIBUTÁVEL 4,696 4,696 5,464 6,232 7,000IMP. RENDA/CONTRIB. SOC. 30.0% -1,409 -1,409 -1,639 -1,870 -2,100LUCRO LÍQUIDO 3,287 3,287 3,825 4,362 4,900Ajustes DEPRECIAÇÃO 5,000 5,000 5,000 5,000 5,000 FINANCIAMENTO 19,200 AMORTIZAÇÃO 0 -6,400 -6,400 -6,400 0 VALOR RESIDUAL - VENDA DO VEÍCULO 5,000 RECUPERAÇÃO CAPITAL DE GIRO 2,000

FLUXO CAIXA DO CAP. PRÓPRIO -12,800 8,287 1,887 2,425 2,962 16,900

RENTABILIDADE DO CAPITAL PRÓPRIO 35.08% aa VPL CAP. PRÓPRIO :

RENTABILIDADE DO PROJETO 20.55% aa 5,969.34

CUSTO DOS RECURSOS PRÓPRIOS 18.00% aa

O Projeto é Viável Financeiramente

PROJETO S/ FINANCIAMENTO - Avaliação Econômica - Tributação p/ Lucro Presumido

DISCRIMINAÇÃO Ano 0 Ano 1 Ano 2 Ano 3 Ano 4



RECEITA BRUTA 70,000 70,000 70,000 70,000

Impostos s/ Receita Bruta 5.65% -3,955 -3,955 -3,955 -3,955

RECEITA LÍQUIDA 66,045 66,045 66,045 66,045

CUSTOS TOTAIS -48,000 -48,000 -48,000 -48,000

LUCRO PRESUMIDO s/ Rec. Bruta 15.0% 10,500 10,500 10,500 10,500

IMP. RENDA/CONTRIB. SOC. 24.0% -2,520 -2,520 -2,520 -2,520

LUCRO LÍQUIDO 15,525 15,525 15,525 15,525

Ajustes VALOR RESIDUAL - VENDA DO VEÍCULO RECUPERAÇÃO CAPITAL DE GIRO

FLUXO CAIXA DO PROJETO -32,000 15,525 15,525 15,525 15,525


O Projeto é Viável Economicamente

TAXA MÍNIMA DE ATRATIVIDADE Perc. Tx Bruta IR/CSLL Tx Líq. 14.40%


Capital Próprio 40.00% 18.00% 18.00%


Financiamento



SALDO DEVEDOR 19,200 19,200 12,800 6,400 0 JUROS 12.00% -2,304 -2,304 -1,536 -768 AMORTIZAÇÃO 3 0 -6,400 -6,400 -6,400

FLUXO DO FINANCIAMENTO 19,200 -2,304 -8,704 -7,936 -7,168



INVESTIMENTO -30,000CAPITAL DE GIRO -2,000RECEITA BRUTA 70,000 70,000 70,000 70,000Impostos s/ Receita Bruta 5.65% -3,955 -3,955 -3,955 -3,955RECEITA LÍQUIDA 66,045 66,045 66,045 66,045CUSTOS TOTAIS -48,000 -48,000 -48,000 -48,000LUCRO PRESUMIDO s/ Rec. Bruta 15.0% 10,500 10,500 10,500 10,500IMP. RENDA/CONTRIB. SOC. 24.0% -2,520 -2,520 -2,520 -2,520LUCRO LÍQUIDO 15,525 15,525 15,525 15,525Ajustes FLUXO DO FINANCIAMENTO 19,200 -2,304 -8,704 -7,936 -7,168 VALOR RESIDUAL - VENDA DO VEÍCULO RECUPERAÇÃO CAPITAL DE GIRO

FLUXO CAIXA DO CAP. PRÓPRIO -12,800 13,221 6,821 7,589 8,357


RENTABILIDADE DO PROJETO 41.59% aa



PROJETO S/ FINANCIAMENTO - Avaliação Econômica - Tributação p/ Lucro Presumido

Ano 5

70,000

-3,955

66,045

-48,000

10,500

-2,520

15,525

5,0002,000

22,525

VPL DO PROJETO :

24,362.63

Ano 5

Ano 5

70,000-3,95566,045

-48,00010,500-2,52015,525

05,0002,000

22,525

VPL CAP. PRÓPRIO :

22,078.21

PROJETO S/ FINANCIAMENTO - Avaliação Econômica - Tributação p/ Simples




RECEITA BRUTA 70,000 70,000 70,000 70,000

Impostos s/ Receita Bruta - Simples 12.50% -8,750 -8,750 -8,750 -8,750

RECEITA LÍQUIDA 61,250 61,250 61,250 61,250

CUSTOS TOTAIS -48,000 -48,000 -48,000 -48,000

LUCRO LÍQUIDO 13,250 13,250 13,250 13,250

Ajustes VALOR RESIDUAL - VENDA DO VEÍCULO RECUPERAÇÃO CAPITAL DE GIRO




TAXA MÍNIMA DE ATRATIVIDADE Perc. Tx Bruta IR/CSLL Tx Líq. 14.40%


Capital Próprio 40.00% 18.00% 18.00%


Financiamento



SALDO DEVEDOR 19,200 19,200 12,800 6,400 0 JUROS 12.00% -2,304 -2,304 -1,536 -768 AMORTIZAÇÃO 3 0 -6,400 -6,400 -6,400

FLUXO DO FINANCIAMENTO 19,200 -2,304 -8,704 -7,936 -7,168



INVESTIMENTO -30,000CAPITAL DE GIRO -2,000RECEITA BRUTA 70,000 70,000 70,000 70,000Impostos s/ Receita Bruta - Simples 12.50% -8,750 -8,750 -8,750 -8,750RECEITA LÍQUIDA 61,250 61,250 61,250 61,250CUSTOS TOTAIS -48,000 -48,000 -48,000 -48,000LUCRO LÍQUIDO 13,250 13,250 13,250 13,250Ajustes FLUXO DO FINANCIAMENTO 19,200 -2,304 -8,704 -7,936 -7,168 VALOR RESIDUAL - VENDA DO VEÍCULO RECUPERAÇÃO CAPITAL DE GIRO

FLUXO CAIXA DO CAP. PRÓPRIO -12,800 10,946 4,546 5,314 6,082


RENTABILIDADE DO PROJETO 33.30% aa



Ano 5

70,000

-8,750

61,250

-48,000

13,250

5,0002,000

20,250

VPL DO PROJETO :

16,626.88

Ano 5

Ano 5

70,000-8,75061,250

-48,00013,250

05,0002,000

20,250

VPL CAP. PRÓPRIO :

14,963.89

AVALIAÇÃO ECONÔMICA (Com Inflação)


INVESTIMENTO -30,000.00Valor Residual 5,000.00

CAPITAL DE GIRO -2,000.00RECEITA 60,000.00 66,000.00 72,600.00 79,860.00 87,846.00 Reajuste dos Preços 10% 10% 10% 10%

CUSTOS TOTAIS -48,000.00 -52,800.00 -58,080.00 -63,888.00 -70,276.80 Reajuste dos Custos 10% 10% 10% 10%

LUCRO OPERACIONAL 13,200.00 14,520.00 15,972.00 17,569.20

DEPRECIAÇÃO -5,000.00 -5,500.00 -6,050.00 -6,655.00 -7,320.50

Reajuste p/ Inflação 5 10% 10% 10% 10%

LUCRO OPERACIONAL 7,700.00 8,470.00 9,317.00 10,248.70

IMP. RENDA/CONTRIB. SOC. 30.0% -2,310.00 -2,541.00 -2,795.10 -3,074.61

LUCRO LÍQUIDO 5,390.00 5,929.00 6,521.90 7,174.09

Ajustes DEPRECIAÇÃO 5,500.00 6,050.00 6,655.00 7,320.50 VALOR RESIDUAL - VENDA DO VEÍCULO RECUPERAÇÃO CAPITAL DE GIRO


RENTABILIDADE "NOMINAL" DO PROJETO 32.61% aa VPL DO PROJETO :


Taxa de Inflação 10.0% aa

RENTABILIDADE "REAL" DO PROJETO 20.55% aa

TAXA MÍNIMA DE ATRATIVIDADE TMA

Taxa Real Real

ESTRUTURA DE CAPITAL Perc. Bruta IR/CS Líquida 12.24%


Capital Próprio 40.00% 18.00% - 18.00%

Breno de Campos

Ano 5

96,630.6010%

-77,304.4810%

19,326.12

-8,052.55

10%

11,273.57

-3,382.07

7,891.50

8,052.558,052.553,221.02

27,218

VPL DO PROJETO :

7,405.82

TMA

Nominal

23.46%

19.24%

29.80%

PAYBACK

Start-up 0

Anos Teste

0 (1,000.00) (1,000.00) - 1 400.00 (600.00) - 2 500.00 (100.00) 2.20 3 500.00 400.00 - 4 600.00 1,000.00 - 5 700.00 1,700.00 - 6 700.00 2,400.00 - 7 700.00 3,100.00 -

PAYBACK anos 2.20

PAYBACK / PAYBACK DESCONTADO

Start-up 0 Tx Desc. 12.00%

Anos Teste

0 (1,000.00) (1,000.00) (1,000.00) - 1 500.00 446.43 (553.57) - 2 500.00 398.60 (154.97) 2.44 3 500.00 355.89 200.92 - 4 500.00 317.76 518.67 - 5 500.00 283.71 802.39 - 6 500.00 253.32 1,055.70 - 7 500.00 226.17 1,281.88 -

PAYBACK anos 2.44

Fluxo de Caixa

Fluxo Caixa Acumulado

Fluxo de Caixa

Fluxo Caixa Desc.

Fluxo Caixa Desc. Acum.

0 1 2 3 4 5 6 7

-2,000

-1,000

0

1,000

2,000

3,000

4,000

Fluxo de Caixa Acumulado

Anos

0 1 2 3 4 5 6 7

-2,000

-1,000

0

1,000

2,000


Anos

Breno de Campos

0 1 2 3 4 5 6 7

-2,000

-1,000

0

1,000

2,000

3,000

4,000


Anos

0 1 2 3 4 5 6 7

-2,000

-1,000

0

1,000

2,000


Anos

VALOR PRESENTE LÍQUIDO

Anos Fluxo de Caixa

0 (1,000.00) (1,000.00) VPL 362.71

1 (200.00) (178.57) Taxa Desc. 12.00% aa

2 300.00 239.16 3 400.00 284.71 4 400.00 254.21 5 500.00 283.71 6 500.00 253.32 7 500.00 226.17

Total 1,400.00 362.71 VP Fluxos Negativos (1,178.57) VP Fluxos Positivos 1,541.28 Soma 362.71

Fluxo de Caixa Descontado

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%

-500

0

500

1,000

1,500

VPL x TAXA DE DESCONTO

Tx. Desconto

Dados p/ Gráfico TIR 19.35% 2

Taxa VPL0 0.00% 1,400.00 1 1.00% 1,281.81 2 2.00% 1,170.87 3 3.00% 1,066.65 4 4.00% 968.66 5 5.00% 876.46 6 6.00% 789.64 7 7.00% 707.83 8 8.00% 630.68 9 9.00% 557.88

10 10.00% 489.12 11 11.00% 424.15 12 12.00% 362.71 13 13.00% 304.57 14 14.00% 249.52 15 15.00% 197.36 16 16.00% 147.91 17 17.00% 100.99 18 18.00% 56.46 19 19.00% 14.17 20 20.00% (26.02)21 21.00% (64.24)22 22.00% (100.60)23 23.00% (135.21)24 24.00% (168.18)25 25.00% (199.59)26 26.00% (229.54)

27 27.00% (258.11)28 28.00% (285.37)29 29.00% (311.41)30 30.00% (336.28)


Breno de Campos

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%

-500

0

500

1,000

1,500


Tx. Desconto

0.00% Mín 38.69% Máx

1.00% Delta

VALOR PRESENTE LÍQUIDO

Anos Fluxo de Caixa

0 (1,000.00) (1,000.00) VPL 362.71

1 (200.00) (178.57) Taxa Desc. 12.00% aa

2 300.00 239.16 3 400.00 284.71 4 400.00 254.21 Rentabilidade do Investimento 5 500.00 283.71 TIR 19.35% aa

6 500.00 253.32 7 500.00 226.17

Total 1,400.00 362.71 VP Fluxos Negativos (1,178.57) VP Fluxos Positivos 1,541.28 Soma 362.71

Fluxo de Caixa Descontado

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%

-500

0

500

1,000

1,500


Tx. Desconto

Taxa Interna de Retorno

Dados p/ Gráfico TIR 19.35% 2

Taxa VPL0 0.00% 1,400.00 1 1.00% 1,281.81 2 2.00% 1,170.87 3 3.00% 1,066.65 4 4.00% 968.66 5 5.00% 876.46 6 6.00% 789.64 7 7.00% 707.83 8 8.00% 630.68 9 9.00% 557.88

10 10.00% 489.12 11 11.00% 424.15 12 12.00% 362.71 13 13.00% 304.57 14 14.00% 249.52 15 15.00% 197.36 16 16.00% 147.91 17 17.00% 100.99 18 18.00% 56.46 19 19.00% 14.17 20 20.00% (26.02)21 21.00% (64.24)22 22.00% (100.60)23 23.00% (135.21)24 24.00% (168.18)25 25.00% (199.59)26 26.00% (229.54)

27 27.00% (258.11)28 28.00% (285.37)29 29.00% (311.41)30 30.00% (336.28)


Breno de Campos

Rentabilidade do Investimento

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%

-500

0

500

1,000

1,500


Tx. Desconto

Taxa Interna de Retorno

0.00% Mín 38.69% Máx

1.00% Delta

CONFLITO VPL x TIR

Anos

0 -1,200.00 -1,200.001 1,002.81 85.452 500.00 600.003 100.00 1,100.00

Total 402.81 585.45

TIR aa 23.0% 16.9%

8.0% 236.58 266.74 VPL 10.0% 200.00 200.00

15.0% 115.83 51.26

Dados p/ Gráfico TIR

Taxa VPL VPL

Fluxo de Caixa A

Fluxo de Caixa B

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%

-400

-200

0

200

400

600

800

CONFLITO VPL x TIR

Projeto A

Projeto B

0 0.00% 402.81 ### 585.45 1 1.00% 380.09 540.43 2 2.00% 357.96 497.03 3 3.00% 336.41 455.17 4 4.00% 315.42 414.79 5 5.00% 294.96 375.82 6 6.00% 275.01 338.19 7 7.00% 255.55 301.85 8 8.00% 236.58 266.74 9 9.00% 218.07 232.80

10 10.00% 200.00 200.00 11 11.00% 182.36 168.27 12 12.00% 165.14 137.57 13 13.00% 148.32 107.86 14 14.00% 131.89 79.11 15 15.00% 115.83 51.26 16 16.00% 100.14 24.28 17 17.00% 84.80 (1.85)18 18.00% 69.79 (27.18)19 19.00% 55.12 (51.74)20 20.00% 40.77 (75.55)21 21.00% 26.72 (98.65)22 22.00% 12.98 (121.06)23 23.00% (0.48) (142.82)24 24.00% (13.65) (163.93)25 25.00% (26.55) (184.44)26 26.00% (39.19) (204.36)27 27.00% (51.57) (223.71)28 28.00% (63.70) (242.51)29 29.00% (75.58) (260.79)30 30.00% (87.23) (278.56)


Breno de Campos

0.00% Mín 30.00% Máx

1.00% Delta

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%

-400

-200

0

200

400

600

800

CONFLITO VPL x TIR

Projeto A

Projeto B

SÉRIE UNIFORME LÍQUIDA

Anos Fluxo de Caixa A Fluxo de Caixa B Fluxo de Caixa A

0 (1,000.00) (1,000.00)1 600.00 800.00 SUL A 2 600.00 800.00 3 600.00 800.00 4 600.00 800.00 Fluxo de Caixa B

5 600.00 6 600.00 SUL B 7 600.00

Total 3,200.00 2,200.00 Taxa Desc.

VPL A

VPL B

Breno de Campos

Fluxo de Caixa A

1,738.25 380.88

Fluxo de Caixa B

1,429.88 470.77

12.0% aa

ÍNDICE BENEFÍCIO / CUSTO

Anos Fluxos Negativos Fluxos Positivos Fluxo de Caixa A

0 (20,000.00) (20,000.00) 0.00 VPL

1 12,000.00 0.00 12,000.00 I B / C 2 12,000.00 0.00 12,000.00 3 12,000.00 0.00 12,000.00

VPL 7,398.70 (20,000.00) 27,398.70 Taxa Desc.

Anos Fluxos Negativos Fluxos Positivos Fluxo de Caixa B

0 (60,000.00) (60,000.00) 0.00 VPL

1 30,000.00 0.00 30,000.00 I B / C 2 36,000.00 0.00 36,000.00 3 36,000.00 0.00 36,000.00

VPL 16,978.71 (60,000.00) 76,978.71

Fluxo de Caixa A

Fluxo de Caixa B

Breno de Campos

Fluxo de Caixa A

7,398.70

1.37

15.00% aa

Fluxo de Caixa B

16,978.71

1.28

TAXAS INTERNAS DE RETORNO MÚLTIPLAS

Anos Fluxo de Caixa

0 (1,560.00) VPL 0.00 TIR (1) =

1 6,084.00 Taxa Desc. 20.00% aa

2 (7,893.60)

3 3,407.04 VPL 0.00 TIR (2) =

Taxa Desc. 30.00% aa

VPL 0.00 TIR (3) =

Taxa Desc. 40.00% aa

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%

-2

0

2


Tx. Desconto

Taxas Múltiplas

Dados p/ Gráfico TIR 16.00%45.00%

Taxa VPL 1.00%0 16.00% 1.34 1 17.00% 0.87 2 18.00% 0.50 3 19.00% 0.21 4 20.00% - 5 21.00% (0.15)6 22.00% (0.25)7 23.00% (0.30)8 24.00% (0.31)9 25.00% (0.30)

10 26.00% (0.26)11 27.00% (0.21)12 28.00% (0.14)13 29.00% (0.07)14 30.00% - 15 31.00% 0.07 16 32.00% 0.13 17 33.00% 0.18 18 34.00% 0.22 19 35.00% 0.24 20 36.00% 0.24 21 37.00% 0.22 22 38.00% 0.17 23 39.00% 0.10 24 40.00% - 25 41.00% (0.13)26 42.00% (0.29)

27 43.00% (0.48)28 44.00% (0.70)29 45.00% (0.96)30 46.00% (1.25)

Breno de Campos

20.0% aa

30.0% aa

40.0% aa

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%

-2

0

2


Tx. Desconto

Taxas Múltiplas

Início Final Delta

MTIR

Página 238

TAXA INTERNA DE RETORNO MODIFICADA

Anos Fluxo de Caixa

0 (1,000.00) 0.00 (1,000.00) (4,188.78)1 3,000.00 4,214.78 0.00 0.00 2 (4,000.00) 0.00 (3,188.78) 0.00 3 5,000.00 5,600.00 0.00 0.00 4 6,000.00 6,000.00 0.00 15,814.78

Total 15,814.78 (4,188.78)

TIR 155.86% TIRM 39.39%

Função MTIR 39.39%Desc. / Financ. Re-investimento

Taxas 12.00% 12.00%

Fluxo de Caixa Positivos

Reinvestidos

Fluxo de Caixa Negativos

Descontados

Fluxo de Caixa Modificado

MTIR

Página 239


MTIR

Página 240

Breno de Campos

ANÁLISE DE SENSIBILIDADE

I - IMPACTO DAS VARIÁVEIS SOBRE OS ÍNDICES DE AVALIAÇÃO DO PROJETO

Investimento / Valor Residual / Capital de Giro Receitas / Custos Fixos e Variáveis Impostos Vida Útil

II - DETERMINAÇÃO DAS VARIÁVEIS - CHAVE

III - TABELA CRUZADA COM AS VARIÁVEIS - CHAVE

IV - CONSTRUÇÃO DE CENÁRIOS

I / II - IMPACTO RELATIVO DAS VARIÁVEIS - CHAVE

Preço Investimento Custo Variável Custos Fixos18.21% 18.21% 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%

Variação 15.06% Variação 4.18% Variação 9.01% Variação 1.50%

Valor Residual Capital de Giro Alíquota IR / CS18.21% 18.21% 18.21%

-10.0% -10.0% -10.0%

0.0% 0.0% 0.0%

10.0% 10.0% 10.0%

Variação 0.05% Variação 0.39% Variação 1.41%

Variáveis-Chave : Preço, Custo Variável e Investimento

Preço : -20%, -10%, 0%, +10%, +20%Custo Variável : -10%, -5%, 0%,+5%,+10%Investimento : -10%, 0%, +10%

III - EFEITO COMBINADO DAS VARIÁVEIS - CHAVE

Variação do Investimento : - 0%Preço

18.21% -20% -10% 0% 10% 20%

-10.0%

Custo -5.0%

Variável 0.0%

5.0%

10.0%

Variação Preço Custo Var. IR/CS

-10% 1.86% 23.13% 26.92% 19.70% 18.16% 18.61% 19.62%0% 18.21% 18.21% 18.21% 18.21% 18.21% 18.21% 18.21%

10% 32.49% 14.60% 8.80% 16.70% 18.26% 17.83% 16.79%

Investimento

Custo Fixo

Valor Residual

Capital de Giro

-10.0% 0.0% 10.0%

0.0%

5.0%

10.0%

15.0%

20.0%

25.0%

30.0%

35.0%

Análise de Sensibilidade

Preço

Investimento

Custo Var.

Custo Fixo

Valor Residual

Capital de Giro

IR/CS

% Base

TIR


Breno de Campos

-10.0% 0.0% 10.0%

0.0%

5.0%

10.0%

15.0%

20.0%

25.0%

30.0%

35.0%

Análise de Sensibilidade

Preço

Investimento

Custo Var.

Custo Fixo

Valor Residual

Capital de Giro

IR/CS

% Base

TIR

INDICADORES DO PROJETO DE INVESTIMENTO

Projeto Projeto X

Descrição Aquisição de Novas Máquinas para Expansão da Produção

Investimento 100,000 Capital de Giro 10,000 Valor Residual

Vida Útil (anos) 10 TMA (aa) 12.00%

Indicadores de Desempenho

VPL 31,874 OK PayBack (anos) 4.70 IB/C

TIR 18.21% OK PayBack Desc.(anos) 7.34 SUL

Exposição Máx. -110,000

Cálculo dos Indicadores TMA 12.00% IB/C 1.29 VPL 31,874 SUL 5,641.27 TIR 18.21%PayBack 4.70 PayBack D 7.34

0 (110,000) (110,000) - (110,000) (110,000)1 23,400 (86,600) - 20,893 (89,107)2 23,400 (63,200) - 18,654 (70,453)3 23,400 (39,800) - 16,656 (53,797)4 23,400 (16,400) 4.70 14,871 (38,926)5 23,400 7,000 - 13,278 (25,648)6 23,400 30,400 - 11,855 (13,793)7 23,400 53,800 - 10,585 (3,208)8 23,400 77,200 - 9,451 6,243 9 23,400 100,600 - 8,438 14,681

10 53,400 154,000 - 17,193 31,874 4.70

(110,000)

Breno de Campos

Projeto X

Aquisição de Novas Máquinas para Expansão da Produção

Valor Residual 20,000

1.29 OK

5,641.27 OK

- - - - - - - 7.34 - - - 7.34

document.xlsx / XVPL

FUNÇÃO XVPL

Taxa ao ano Taxa equiv. ao dia (365)

12.00000% 0.03105378%

Ref Valores Data Dias Valor Presente

0 0.00 4/18/2023 - -

1 4,000.00 4/28/2023 10 3,987.5996789

2 4,000.00 5/22/2023 34 3,957.9955246

XVPL : 7,945.595203 Soma : 7,945.595203

=XVPL(Taxa, Valores;Datas)

VPL : 7,945.595203 0.03105378%

Data Valores

0 4/18/2023 0.00

1 4/19/2023 0.00

2 4/20/2023 0.00 3 4/21/2023 0.00 4 4/22/2023 0.00 5 4/23/2023 0.00 6 4/24/2023 0.00 7 4/25/2023 0.00 8 4/26/2023 0.00 9 4/27/2023 0.00

10 4/28/2023 4,000.00 11 4/29/2023 0.00 12 4/30/2023 0.00 13 5/1/2023 0.00 14 5/2/2023 0.00 15 5/3/2023 0.00 16 5/4/2023 0.00 17 5/5/2023 0.00 18 5/6/2023 0.00 19 5/7/2023 0.00 20 5/8/2023 0.00 21 5/9/2023 0.00 22 5/10/2023 0.00 23 5/11/2023 0.00 24 5/12/2023 0.00 25 5/13/2023 0.00 26 5/14/2023 0.00 27 5/15/2023 0.00 28 5/16/2023 0.00 29 5/17/2023 0.00 30 5/18/2023 0.00 31 5/19/2023 0.00 32 5/20/2023 0.00 33 5/21/2023 0.00 34 5/22/2023 4,000.00

Breno de Campos


document.xlsx / XTIR

66

Função XTIR

Ref Fluxo Datas Dias (*)

0 (10,000.00) 4/18/2023 0

1 4,000.00 4/28/2023 10

2 6,100.00 5/22/2023 34

XTIR : 16.00226% aa

=XTIR(Valores;Datas;Estimativa)

=XTIR( C4:C6;D4:D6;10%) (*) Ano de 365 dias

Data Valores

0 4/18/2023 (10,000.00)1 4/19/2023 0.00 2 4/20/2023 0.00 3 4/21/2023 0.00 4 4/22/2023 0.00 5 4/23/2023 0.00 6 4/24/2023 0.00 7 4/25/2023 0.00 8 4/26/2023 0.00 9 4/27/2023 0.00 10 4/28/2023 4,000.00 11 4/29/2023 0.00 12 4/30/2023 0.00 13 5/1/2023 0.00 TIR (% ao dia)

14 5/2/2023 0.00 0.040677%

15 5/3/2023 0.00 16 5/4/2023 0.00 Equiv. ao ano

17 5/5/2023 0.00 (365 dias)

18 5/6/2023 0.00 16.00226%

19 5/7/2023 0.00 20 5/8/2023 0.00 21 5/9/2023 0.00 22 5/10/2023 0.00 23 5/11/2023 0.00 24 5/12/2023 0.00 25 5/13/2023 0.00 26 5/14/2023 0.00 27 5/15/2023 0.00 28 5/16/2023 0.00 29 5/17/2023 0.00 30 5/18/2023 0.00 31 5/19/2023 0.00 32 5/20/2023 0.00 33 5/21/2023 0.00 34 5/22/2023 6,100.00

Ano 0 -1,000.00 Mês 0 -1,000.00 Ano 0 -1,000.00 31/12/12Ano 1 1,200.00 Mês 1 100.00 Ano 1 1,200.00 30/06/13Ano 2 1,200.00 Mês 2 100.00 Ano 2 1,200.00 30/06/14Ano 3 1,200.00 Mês 3 100.00 Ano 3 1,200.00 30/06/15Ano 4 1,200.00 Mês 4 100.00 Ano 4 1,200.00 30/06/16Ano 5 1,200.00 Mês 5 100.00 Ano 5 1,200.00 30/06/17

Mês 6 100.00VPL (FP) 3,325.73 Mês 7 100.00 VPL 3,577.92 XVPL

-6.55% Mês 8 100.00 -0.07%Mês 9 100.00 VPL (FP) 3,558.78

TAXA 12.00% Mês 10 100.00 VPL (MP) 3,580.36 Mês 11 100.00

FP : Fim de período Mês 12 100.00 0.9489%MP : Meio de período Mês 13 100.00

Mês 14 100.00Mês 15 100.00Mês 16 100.00Mês 17 100.00Mês 18 100.00Mês 19 100.00Mês 20 100.00Mês 21 100.00Mês 22 100.00Mês 23 100.00Mês 24 100.00Mês 25 100.00Mês 26 100.00Mês 27 100.00Mês 28 100.00Mês 29 100.00Mês 30 100.00Mês 31 100.00Mês 32 100.00Mês 33 100.00Mês 34 100.00Mês 35 100.00Mês 36 100.00

COMPARAÇÃO ENTRE FLUXOS DE CAIXA ANUAIS, MENSAIS E ANUAIS EM MEIO DE PERÍODO

Fluxo de Caixa Anual

Fim de Período

Fluxo de Caixa

Mensal Fim de Período

Fluxo de Caixa Anual em Meio de

Período

Mês 37 100.00Mês 38 100.00Mês 39 100.00Mês 40 100.00Mês 41 100.00Mês 42 100.00Mês 43 100.00Mês 44 100.00Mês 45 100.00Mês 46 100.00Mês 47 100.00Mês 48 100.00Mês 49 100.00Mês 50 100.00Mês 51 100.00Mês 52 100.00Mês 53 100.00Mês 54 100.00Mês 55 100.00Mês 56 100.00Mês 57 100.00Mês 58 100.00Mês 59 100.00Mês 60 100.00

Breno de Campos

-1,000.001,200.001,200.001,200.001,200.001,200.00

3,579.58 -0.02%

Muito próximos

COMPARAÇÃO ENTRE FLUXOS DE CAIXA ANUAIS, MENSAIS E ANUAIS EM MEIO DE

Datas para o cálculo do VPL

pela função XVPL Meio de

Período

PADARIA DA ESQUINA

VALOR DA EMPRESA

Fluxo de Caixa Livre Anual 120,000

Vida Útil ( anos)

432573 5 10 20 200

12.0%

Taxa de Desconto 15.0%

(% aa) 18.0%

20.0%

Cálculos para a geração da TabelaValor Presente 432,573 Vida Ùtil 5

Taxa 12.00%

Perpetuidade

Breno de Campos

PADARIA DA ESQUINA

Perpetuidade

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