InstruesAceder Tabela Financeira

INDICAES PARA UTILIZAO

1. A Tabela Financeira apresentada d os valores dos factores (1+i)n, (1+i)-n, sn|i e an|i para valores de n at 60. Para outro valor de n, introduzir esse valor na clula B65.

2. O valor da taxa (i) deve ser introduzido na clula A3 sob a forma de percentagem.Assim, para calcular os valores para a taxa de 15%, deve introduzir-se "15" na clula A3.

3. O valor de k constante do quadro Converso de Taxas representa o nmero de capitali-zaes que ocorrem no perodo considerado. Assim, se a taxa introduzida anual, o valorda taxa mensal o que se obtm em k=12, uma vez que num ano h 12 capitalizaes.

Significado das taxas: (1+i)1/k-1 a taxa sub-peridica equivalente taxa peridica efectiva i. (1+i)k-1 a taxa sobre-peridica equivalente taxa peridica efectiva i. i/k a taxa sub-peridica proporcional taxa peridica nominal i. i.k a taxa sobre-peridica proporcional taxa peridica nominal i. TAE a taxa anual efectiva subjacente taxa anual nominal indicada na clula A3, assumindoque h k capitalizaes no ano.

&8Documentao de apoio ao livro "Clculo Financeiro - Teoria e Prtica" - Rogrio Matias - Escolar Editora1 ed (2004) ISBN 972-592-176-3; 2 ed (2007) 978-972-592-210-1 www.calculofinanceiro.com

&"Trebuchet MS,Regular"&7Tabela Financeira - vesro 1.0&"Trebuchet MS,Regular"&7Documento elaborado pelo autor do livro em 2007.04.21

Tabela FinanceiraTABELA FINANCEIRA

6.00%6.00%n(1+i)n(1+i)-nsn|ian|i11.0600000.9433961.0000000.94339621.1236000.8899962.0600001.83339331.1910160.8396193.1836002.67301241.2624770.7920944.3746163.46510651.3382260.7472585.6370934.21236461.4185190.7049616.9753194.91732471.5036300.6650578.3938385.58238181.5938480.6274129.8974686.20979491.6894790.59189811.4913166.801692101.7908480.55839513.1807957.360087111.8982990.52678814.9716437.886875122.0121960.49696916.8699418.383844132.1329280.46883918.8821388.852683142.2609040.44230121.0150669.294984152.3965580.41726523.2759709.712249162.5403520.39364625.67252810.105895172.6927730.37136428.21288010.477260182.8543390.35034430.90565310.827603193.0256000.33051333.75999211.158116203.2071350.31180536.78559111.469921213.3995640.29415539.99272711.764077223.6035370.27750543.39229012.041582233.8197500.26179746.99582812.303379244.0489350.24697950.81557712.550358254.2918710.23299954.86451212.783356264.5493830.21981059.15638313.003166274.8223460.20736863.70576613.210534285.1116870.19563068.52811213.406164295.4183880.18455773.63979813.590721305.7434910.17411079.05818613.764831316.0881010.16425584.80167713.929086326.4533870.15495790.88977814.084043336.8405900.14618697.34316514.230230347.2510250.137912104.18375514.368141357.6860870.130105111.43478014.498246368.1472520.122741119.12086714.620987378.6360870.115793127.26811914.736780389.1542520.109239135.90420614.846019399.7035070.103056145.05845814.9490754010.2857180.097222154.76196615.0462974110.9028610.091719165.04768415.1380164211.5570330.086527175.95054515.2245434312.2504550.081630187.50757715.3061734412.9854820.077009199.75803215.3831824513.7646110.072650212.74351415.4558324614.5904870.068538226.50812515.5243704715.4659170.064658241.09861215.5890284816.3938720.060998256.56452915.6500274917.3775040.057546272.95840115.7075725018.4201540.054288290.33590515.7618615119.5253640.051215308.75605915.8130765220.6968850.048316328.28142215.8613935321.9386980.045582348.97830815.9069745423.2550200.043001370.91700615.9499765524.6503220.040567394.17202715.9905435626.1293410.038271418.82234816.028814NOTA: 5727.6971010.036105444.95168916.064919Para qualquer5829.3589270.034061472.64879016.098980outro valor de5931.1204630.032133502.00771816.131113n, introduzi-lo6032.9876910.030314533.12818116.161428na clula B65 >100339.3020840.0029475638.36805916.617546

CONVERSO DE TAXAS (situaes mais frequentes)

TAXASkTAXAS234612(1+i)1/k - 10.0295630.0196130.0146740.0097590.004868(1+i)1/k - 1(1+i)k - 10.1236000.1910160.2624770.4185191.012196(1+i)k - 1i/k0.0300000.0200000.0150000.0100000.005000i/ki.k0.1200000.1800000.2400000.3600000.720000i.kTAE0.0609000.0612080.0613640.0615200.061678TAE (TAE : Taxa Anual Efectiva, assumindo que a taxa de 6.00% anual nominal)

&8Documentao de apoio ao livro "Clculo Financeiro - Teoria e Prtica" - Rogrio Matias - Escolar Editora1 ed (2004) ISBN 972-592-176-3; 2 ed (2007) 978-972-592-210-1 www.calculofinanceiro.com

&"Trebuchet MS,Regular"&7Tabela Financeira - verso 1.0&"Trebuchet MS,Regular"&7Ficheiro elaborado pelo autor do livro em 2007.04.21