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Analise Revisional Contrato Messias Toritama

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PLANILHA DE CONVERSO DE CLCULO PARA REVISES DE CON PLANILHA ATIVAENTRADA DE DADOS Valor Financiado: Valor da Prestao: Prazo: Total de Pagas: Data do 1 Vencimento :R$ 43,552.49 R$ 1,199.00 60 1 12/15/2011

Sistema para retirar a capitalizao de juros em contratos de financiamen

Saldo Devedor Atual do Contrato: Taxa Mensal Contrato: Taxa Anual Capitalizada: Taxa Mensal do Reclculo: Total pago at o momento : Total devido de prestaes: Total da dvida contrato inteiro:

R$ 43,146.27 1.690% 24.17% 1.690% R$ 1,199.00 R$ 70,741.00 R$ 71,940.00

Saldo Devedor (Sistema Legal): R$ 43,068.11 Total devido (Sistema Legal) : R$ 57,557.51 Total da divida (Sistema Legal): R$ 58,533.06 Prestao descapitalizada: R$ 975.55 R$ Saldo Devedor Atualizado : R$ Diferena paga a maior (Saldo Credor) :

42,844.66 223.45

Prazo restante do Contrato:

59 R$ 973.26

Prestao Recalculada

:

Licena Vlida at:

30/11/10

ATIVA

CLCULO PARA REVISES DE CONTRATO

ao de juros em contratos de financiamento

ANILHA ATIVADADOS PARA AOTipo da Ao: Taxa Mensal do Reclculo: Nome do Financiado: Banco: Valor pago Tarifas (TAC,TEC,IOF,etc...) Indbito atual : Indbito em dobro : Proveito Econmico com a Reviso: Revisional 1.690% Anonimo Ita S/A R$ 990.00 R$ 0.00 R$ 13,183.49

Juros 951.59

Juros Contratados

Juros Legais

634.39

317.20

1 6 11 16 21 26 31 36 Prazo

13,183.49

13,183.49

PLANILHA DEMONSTRATIVA / CONVERSO DE CLCULO

Titular do Contrato: Banco:

Anonimo Ita S/A

SISTEMA CONTRATADOMtodo Exponencial /Juros Compostos Valor Financiado: Prazo: Prestao: Taxa de Juros Mensal: N Vencimento1 2 3 4 5 6 7 8 9 10 11 12 12/15/2011 1/15/2012 2/15/2012 3/15/2012 4/15/2012 5/15/2012 6/15/2012 7/15/2012 8/15/2012 9/15/2012 10/15/2012 11/15/2012

SISTEMA RECALCULADOMtodo Linear /Juros Simples Valor Financiado: Prazo: Prestao: Taxa de Juros Mensal: Saldo Devedor43,552.49 43,146.27 42,732.66 42,311.52 41,882.71 41,446.10 41,001.54 40,548.88 40,087.99 39,618.71 39,140.89 38,654.36 38,158.99

R$ 43,552.49 60 R$ 1,199.00 1.69% Juros792.78 785.39 777.86 770.19 762.39 754.44 746.35 738.11 729.72 721.18 712.48 703.62

R$ 43,552.49 60 R$ 1,199.00 1.69% Amortizao484.38 492.57 500.76 508.94 517.13 525.32 533.50 541.69 549.87 558.06 566.25 574.43

Prestao Contratada1,199.00 1,199.00 1,199.00 1,199.00 1,199.00 1,199.00 1,199.00 1,199.00 1,199.00 1,199.00 1,199.00 1,199.00

Amortizao406.22 413.61 421.14 428.81 436.61 444.56 452.65 460.89 469.28 477.82 486.52 495.38

Prestao Recalculada975.55 975.55 975.55 975.55 975.55 975.55 975.55 975.55 975.55 975.55 975.55 975.55

Juros491.17 482.98 474.79 466.61 458.42 450.24 442.05 433.86 425.68 417.49 409.31 401.12

Saldo Devedor43,552.49 43,068.11 42,575.53 42,074.78 41,565.83 41,048.70 40,523.39 39,989.89 39,448.20 38,898.33 38,340.27 37,774.02 37,199.59

SOMATRIO DAS PRESTAES PAGAS - SISTEMA CONTRATADO SOMATRIO DAS PRESTAES PAGAS - SISTEMA RECALCULADO SALDO CREDOR ATUAL (DIFERENA PAGA A MAIOR) SALDO DEVEDOR RECLCULADO ATUAL SALDO DEVEDOR ATUALIZADO (Deduzindo Saldo Credor) VALOR PAGO REFERENTE A TARIFAS PRAZO RESTANTE DO FINANCIAMENTO Prestao Recalculada (Usando saldo credor a favor do financiado)

R$ R$ R$ R$ R$ R$

1,199.00 975.55 223.45 43,068.11 42,844.66 990.00 59 R$ 973.26

Consideraes: A presente planilha demonstra a converso de clculo do sistema contratado (Sistema de Amortizao Price) para o (Mtodo - Gauss) , os valores apontados como saldo credor ( pagos indevidamente referente a capitalizao de juros) esto sendo usados na amortizao do saldo devedor atual, resultando em uma nova prestao recalculada.

PLANILHA DEMONSTRATIVA / CONVERSO DE CLCULO

Titular do Contrato: Banco:

Anonimo Ita S/A

SISTEMA CONTRATADOMtodo Exponencial /Juros Compostos Valor Financiado: Prazo: Prestao: Taxa de Juros Mensal: Prestao Contratada1,199.00 1,199.00 1,199.00 1,199.00 1,199.00 1,199.00 1,199.00 1,199.00 1,199.00 1,199.00 1,199.00 1,199.00 1,199.00 1,199.00 1,199.00 1,199.00 1,199.00 1,199.00 1,199.00 1,199.00 1,199.00 1,199.00 1,199.00 1,199.00

SISTEMA RECALCULADOMtodo Linear /Juros Simples Valor Financiado: Prazo: Prestao: Taxa de Juros Mensal: Saldo Devedor43,552.49 43,146.27 42,732.66 42,311.52 41,882.71 41,446.10 41,001.54 40,548.88 40,087.99 39,618.71 39,140.89 38,654.36 38,158.99 37,654.59 37,141.01 36,618.09 36,085.64 35,543.51 34,991.50 34,429.45 33,857.17 33,274.46 32,681.16 32,077.05 31,461.94

R$ 43,552.49 60 R$ 1,199.00 1.69%

R$ 43,552.49 60 R$ 1,199.00 1.69% Saldo Devedor43,552.49 43,068.11 42,575.53 42,074.78 41,565.83 41,048.70 40,523.39 39,989.89 39,448.20 38,898.33 38,340.27 37,774.02 37,199.59 36,616.97 36,026.17 35,427.18 34,820.00 34,204.64 33,581.09 32,949.36 32,309.43 31,661.33 31,005.03 30,340.56 29,667.89

N Vencimento

Juros

Amortizao

Prestao Recalculada975.55 975.55 975.55 975.55 975.55 975.55 975.55 975.55 975.55 975.55 975.55 975.55 975.55 975.55 975.55 975.55 975.55 975.55 975.55 975.55 975.55 975.55 975.55 975.55

Juros

Amortizao

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24

12/15/2011 1/15/2012 2/15/2012 3/15/2012 4/15/2012 5/15/2012 6/15/2012 7/15/2012 8/15/2012 9/15/2012 10/15/2012 11/15/2012 12/15/2012 1/15/2013 2/15/2013 3/15/2013 4/15/2013 5/15/2013 6/15/2013 7/15/2013 8/15/2013 9/15/2013 10/15/2013 11/15/2013

792.78 785.39 777.86 770.19 762.39 754.44 746.35 738.11 729.72 721.18 712.48 703.62 694.60 685.42 676.07 666.56 656.86 647.00 636.95 626.72 616.30 605.69 594.89 583.90

406.22 413.61 421.14 428.81 436.61 444.56 452.65 460.89 469.28 477.82 486.52 495.38 504.40 513.58 522.93 532.44 542.14 552.00 562.05 572.28 582.70 593.31 604.11 615.10

491.17 482.98 474.79 466.61 458.42 450.24 442.05 433.86 425.68 417.49 409.31 401.12 392.93 384.75 376.56 368.37 360.19 352.00 343.82 335.63 327.44 319.26 311.07 302.89

484.38 492.57 500.76 508.94 517.13 525.32 533.50 541.69 549.87 558.06 566.25 574.43 582.62 590.80 598.99 607.18 615.36 623.55 631.73 639.92 648.11 656.29 664.48 672.67

SOMATRIO DAS PRESTAES PAGAS - SISTEMA CONTRATADO SOMATRIO DAS PRESTAES PAGAS - SISTEMA RECALCULADO SALDO CREDOR ATUAL (DIFERENA PAGA A MAIOR) SALDO DEVEDOR RECLCULADO ATUAL SALDO DEVEDOR ATUALIZADO (Deduzindo Saldo Credor) VALOR PAGO REFERENTE A TARIFAS PRAZO RESTANTE DO FINANCIAMENTO Prestao Recalculada (Usando saldo credor a favor do financiado)

R$ R$ R$ R$ R$ R$

1,199.00 975.55 223.45 43,068.11 42,844.66 990.00 59 R$ 973.26

Consideraes: A presente planilha demonstra a converso de clculo do sistema contratado (Sistema de Amortizao Price) para o (Mtodo - Gauss) , os valores apontados como saldo credor ( pagos indevidamente referente a capitalizao de juros) esto sendo usados na amortizao do saldo devedor atual, resultando em uma nova prestao recalculada.

PLANILHA DEMONSTRATIVA / CONVERSO DE CLCULO

Titular do Contrato: Banco:

Anonimo Ita S/A

SISTEMA CONTRATADOMtodo Exponencial /Juros Compostos Valor Financiado: Prazo: Prestao: Taxa de Juros Mensal: Prestao Contratada1,199.00 1,199.00 1,199.00 1,199.00 1,199.00 1,199.00 1,199.00 1,199.00 1,199.00 1,199.00 1,199.00 1,199.00 1,199.00 1,199.00 1,199.00 1,199.00 1,199.00 1,199.00 1,199.00 1,199.00 1,199.00 1,199.00 1,199.00 1,199.00 1,199.00 1,199.00 1,199.00 1,199.00 1,199.00 1,199.00 1,199.00 1,199.00 1,199.00 1,199.00 1,199.00 1,199.00

SISTEMA RECALCULADOMtodo Linear /Juros Simples Valor Financiado: Prazo: Prestao: Taxa de Juros Mensal: Saldo Devedor43,552.49 43,146.27 42,732.66 42,311.52 41,882.71 41,446.10 41,001.54 40,548.88 40,087.99 39,618.71 39,140.89 38,654.36 38,158.99 37,654.59 37,141.01 36,618.09 36,085.64 35,543.51 34,991.50 34,429.45 33,857.17 33,274.46 32,681.16 32,077.05 31,461.94 30,835.64 30,197.94 29,548.63 28,887.50 28,214.34 27,528.92 26,831.03 26,120.43 25,396.90 24,660.20 23,910.08 23,146.32

R$ 43,552.49 60 R$ 1,199.00 1.69%

R$ 43,552.49 60 R$ 1,199.00 1.69% Saldo Devedor43,552.49 43,068.11 42,575.53 42,074.78 41,565.83 41,048.70 40,523.39 39,989.89 39,448.20 38,898.33 38,340.27 37,774.02 37,199.59 36,616.97 36,026.17 35,427.18 34,820.00 34,204.64 33,581.09 32,949.36 32,309.43 31,661.33 31,005.03 30,340.56 29,667.89 28,987.04 28,298.00 27,600.78 26,895.37 26,181.77 25,459.99 24,730.02 23,991.87 23,245.53 22,491.00 21,728.29 20,957.39

N Vencimento

Juros

Amortizao

Prestao Recalculada975.55 975.55 975.55 975.55 975.55 975.55 975.55 975.55 975.55 975.55 975.55 975.55 975.55 975.55 975.55 975.55 975.55 975.55 975.55 975.55 975.55 975.55 975.55 975.55 975.55 975.55 975.55 975.55 975.55 975.55 975.55 975.55 975.55 975.55 975.55 975.55

Juros

Amortizao

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

12/15/2011 1/15/2012 2/15/2012 3/15/2012 4/15/2012 5/15/2012 6/15/2012 7/15/2012 8/15/2012 9/15/2012 10/15/2012 11/15/2012 12/15/2012 1/15/2013 2/15/2013 3/15/2013 4/15/2013 5/15/2013 6/15/2013 7/15/2013 8/15/2013 9/15/2013 10/15/2013 11/15/2013 12/15/2013 1/15/2014 2/15/2014 3/15/2014 4/15/2014 5/15/2014 6/15/2014 7/15/2014 8/15/2014 9/15/2014 10/15/2014 11/15/2014

792.78 785.39 777.86 770.19 762.39 754.44 746.35 738.11 729.72 721.18 712.48 703.62 694.60 685.42 676.07 666.56 656.86 647.00 636.95 626.72 616.30 605.69 594.89 583.90 572.70 561.30 549.69 537.87 525.84 513.58 501.11 488.40 475.47 462.30 448.89 435.23

406.22 413.61 421.14 428.81 436.61 444.56 452.65 460.89 469.28 477.82 486.52 495.38 504.40 513.58 522.93 532.44 542.14 552.00 562.05 572.28 582.70 593.31 604.11 615.10 626.30 637.70 649.31 661.13 673.16 685.42 697.89 710.60 723.53 736.70 750

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