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    sim

    1.00%Taxa a Ser Aplicada

    Descrio

    -

    Dados Para a Reviso

    N de Parcelas

    Outros encargos

    Servios de Terceiros

    R$ 42.11

    Valor da TAC

    36

    Valor do IOF

    Valor

    R$ 598.00

    R$ 2,234.00

    N do Contrato 123,456

    R$ 1,222.93

    Taxa de Inflao

    Valor Financiado

    R$ 42,000.00

    Objeto do Emprstimo carro

    R$ 10,600.00Valor do Bem

    Favor preencher o campo acima

    Aplicar outra taxa de juros

    N de Parcelas Pagas 24

    R$ 591.23

    3/31/2010

    Valor do carn (TEC)

    Preencha os Dados Sobre o Financiamento

    Autor Frederico

    Ru Juca

    Os campos em vermelho so obrigatrios

    Data Vencimento 1 Carn

    Valor da Entrada

    gravame eletrnico

    Valor da Parcela

    Repetio sobre todo o contrato? sim

    Subtrair encardos do capital no

    R$ 31,400.00

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    Quadro Comparativo

    Tabela PRICE

    Mtodo GAUSSCom encargos e juros iguais

    Mtodo GAUSSSem encargos e juros iguais

    Mtodo GAUSS

    Tabela SELIC

    Juros de Mora

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    Cliente

    Instituio Financeira

    Objeto do Contrato

    N Contrato 123,456

    Price Gauss 1

    Com Todos os

    Encargos Bancrios

    Com Juros Iguais

    ao do

    Financiamento

    Valor do financiamento R$ 31,400.00 R$ 31,400.00

    Valor Pago ao Final R$ 44,025.48 R$ 39,860.08

    Valor da Prestao Com Boleto R$ 1,222.93 R$ 1,107.22Valor da Prestao Sem Boleto - -

    Taxa de juros (a.m) 1.95% 1.95%

    Taxa de juros (a.a) 26.15% 23.45%

    Valor pago R$ 29,350.32 R$ 29,350.32

    Parcelas Restantes (Normais) 12 9

    Total de juros pago R$ 12,625.48 R$ 8,460.08

    Saldo Devedor R$ 14,675.16 R$ 10,509.76

    Valor pago a mais pela capitalizao R$ 4,165.40

    Repetio indbito da Capitalizao R$ 8,330.81

    Valor pago a mais pela taxa de juros R$ 3,516.25

    Repetio Indbito Taxa de juros R$ 7,032.49

    Valor Pago a mais Pelos encargos R$ 3,465.34

    Repetio Indbito dos encargos R$ 6,930.68

    Taxa de Emisso de Carns (TEC) R$ 0.00

    Repetio idbito TEC R$ 0.00

    Juros Mora e Comisso Permanncia R$ 0.00

    Repetio do Indbito R$ 0.00

    Valor para pagamento antecipado R$ 0.00

    Diferena entre valor cobrado e valor devido R$ 0.00

    Repetio do indbito R$ 0.00

    Valor cobrado indevidamente no contrato R$ 11,146.99

    Repetio de indbito geral R$ 22,293.98

    Frederico

    Juca

    carro

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    Obs: Caso exista pedido do depsito judicial, dever ser observada a parcela corrigida (mtodo gau

    descontados os valores que j foram pagos a maior nas prestaes j quitadas. De acordo com tal c

    pleiteado a ttulo de depsito judicial ser de R$582,79

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    Gauss 2

    Com Juros

    Diferenciados

    R$ 31,400.00 Valor que deveria ser pago desde o incio do financiamento

    R$ 36,343.83

    R$ 1,009.55- Voc no informou o valor do boleto

    1.00%

    12.00% Se continuar pagando R$ 1,222.93

    R$ 29,350.32

    6 Com parcelas iguais as estipuladas no contrato

    R$ 4,943.83

    R$ 6,993.51

    Fulcro art. 42 nico CDC

    S se aplica em caso de pagamento antecipado

    Voltar aos Dados Gerais

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    #REF!

    s 2),

    lculo, o valor

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    Cliente

    Instituio FinanceiraObjeto do Contrato

    N Contrato 123,456

    Meses Saldo Devedor (SD) Amortizao (A) Juros (J) Prestao (PMT)

    0 31,400.00 - - -

    1 30,790.79 609.21 613.72 1,222.93

    2 30,169.67 621.12 601.81 1,222.93

    3 29,536.41 633.26 589.67 1,222.93

    4 28,890.77 645.64 577.29 1,222.93

    5 28,232.51 658.26 564.67 1,222.93

    6 27,561.39 671.12 551.81 1,222.937 26,877.15 684.24 538.69 1,222.93

    8 26,179.54 697.61 525.32 1,222.93

    9 25,468.29 711.25 511.68 1,222.93

    10 24,743.14 725.15 497.78 1,222.93

    11 24,003.82 739.32 483.61 1,222.93

    3 12 23,250.04 753.77 469.16 1,222.93

    13 22,481.54 768.51 454.42 1,222.93

    14 21,698.01 783.53 439.40 1,222.93

    15 20,899.17 798.84 424.09 1,222.93

    7 16 20,084.72 814.45 408.48 1,222.93

    17 19,254.35 830.37 392.56 1,222.9318 18,407.74 846.60 376.33 1,222.93

    19 17,544.60 863.15 359.78 1,222.93

    20 16,664.58 880.02 342.91 1,222.93

    21 15,767.36 897.22 325.71 1,222.93

    3 22 14,852.60 914.76 308.17 1,222.93

    23 13,919.97 932.63 290.30 1,222.93

    24 12,969.11 950.86 272.07 1,222.93

    25 11,999.66 969.45 253.48 1,222.93

    7 26 11,011.26 988.40 234.53 1,222.93

    27 10,003.55 1,007.71 215.22 1,222.93

    28 8,976.14 1,027.41 195.52 1,222.9329 7,928.65 1,047.49 175.44 1,222.93

    30 6,860.69 1,067.96 154.97 1,222.93

    31 5,771.85 1,088.84 134.09 1,222.93

    3 32 4,661.73 1,110.12 112.81 1,222.93

    33 3,529.91 1,131.82 91.11 1,222.93

    34 2,375.98 1,153.94 68.99 1,222.93

    35 1,199.49 1,176.49 46.44 1,222.93

    carro

    Sistema de Amortizao a Juros Compostos (Tabela Price)(Com todos os encargos inerentes ao financiamento (tac, IOF, Carn, etc)

    Frederico

    Juca

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    36 0.00- 1,19

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    Aplicar outra taxa tabela Price

    Taxa de Juros a Ser Aplicada

    Voltar aos Dados Gerais

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    Cliente

    Instituio FinanceiraObjeto do Contrato

    N Contrato 123,456

    Meses Saldo Devedor (SD) Amortizao (A) Juros (J) Prestao (PMT)

    1 0 31,400.00 - - -

    1 30,750.08 649.92 457.30 1,107.22 12.70281612

    2 30,087.45 662.63 444.60 1,107.22 14.46031504

    3 29,412.12 675.33 431.90 1,107.22 16.42457854

    4 28,724.09 688.03 419.19 1,107.22 18.62380179

    5 28,023.36 700.73 406.49 1,107.22 21.09087916

    6 27,309.92 713.44 393.79 1,107.22 23.86435161

    7 26,583.78 726.14 381.08 1,107.22 26.98958155

    8 25,844.94 738.84 368.38 1,107.22 30.52021898

    10 9 25,093.39 751.55 355.68 1,107.22 34.52004411

    11 10 24,329.14 764.25 342.98 1,107.22 39.06529994

    12 11 23,552.19 776.95 330.27 1,107.22 44.24766856

    13 12 22,762.54 789.65 317.57 1,107.22 50.17810082

    14 13 21,960.18 802.36 304.87 1,107.22 56.99178894

    15 14 21,145.12 815.06 292.16 1,107.22 64.85468629

    16 15 20,317.36 827.76 279.46 1,107.22 73.97214611

    17 16 19,476.90 840.47 266.76 1,107.22 84.60049927

    18 17 18,623.73 853.17 254.06 1,107.22 97.06276435

    19 18 17,757.86 865.87 241.35 1,107.22 111.77025532

    0 19 16,879.28 878.57 228.65 1,107.22 129.25274459

    1 20 15,988.01 891.28 215.95 1,107.22 150.20126115

    2 21 15,084.03 903.98 203.25 1,107.22 175.52992208

    3 22 14,167.34 916.68 190.54 1,107.22 206.46707221

    4 23 13,237.96 929.38 177.84 1,107.22 244.69267375

    5 24 12,295.87 942.09 165.14 1,107.22 292.55072130

    6 25 11,341.08 954.79 152.43 1,107.22 353.38722243

    7 26 10,373.59 967.49 139.73 1,107.22 432.10596782

    8 27 9,393.39 980.20 127.03 1,107.22 536.11794944

    9 28 8,400.49 992.90 114.33 1,107.22 677.03740841

    30 29 7,394.89 1,005.60 101.62 1,107.22 873.87728761

    31 30 6,376.59 1,018.30 88.92 1,107.22 1,159.47086234

    32 31 5,345.58 1,031.01 76.22 1,107.22 1,594.45184539

    33 32 4,301.87 1,043.71 63.51 1,107.22 2,300.96641179

    34 33 3,245.46 1,056.41 50.81 1,107.22 3,555.82064167

    35 34 2,176.34 1,069.12 38.11 1,107.22 6,102.43657879

    carro

    Sistema de Amortizao a Juros Simples (Mtodo de Gauss)Com todos os encargos bancrios e taxa igual a do financiamento

    Frederico

    Juca

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    6 35

    7

    36 - 8

    9

    0

    1

    2

    3

    4

    5

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    1 , . 0 0

    1.

    . %

    .

    . 5 6 1 9 2

    Voltar aos Dados Gerais

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    1.00%

    Cliente

    Instituio Financeira

    Objeto do Contrato

    Meses Saldo Devedor (SD) Amortizao (A) Juros (J) Prestao (PMT)

    0 31,400.00 - - -

    1 30,657.68 742.32 267.23 1,009.55

    2 29,907.94 749.74 259.81 1,009.55

    3 29,150.78 757.16 252.39 1,009.55

    4 28,386.19 764.59 244.96 1,009.55

    5 27,614.18 772.01 237.54 1,009.55

    6 26,834.75 779.43 230.12 1,009.55

    7 26,047.90 786.86 222.70 1,009.558 25,253.62 794.28 215.27 1,009.55

    9 24,451.91 801.70 207.85 1,009.55

    10 23,642.79 809.13 200.43 1,009.55

    11 22,826.24 816.55 193.00 1,009.55

    12 22,002.27 823.9