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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
