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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