Engº./ Analista de Sist. Demétrio Antunes Bassili
NESTA VERSÃO DEMO OS CAMPOS EM COR VERDE NÃO PERMITEM A ENTRADA DE DADOS
NA VERSÃO ORIGINAL É PERMITIDA A ENTRADA DE DADOS, PORÉM AS CÉLULAS COM FÓRMULAS
ESTARÃO OCULTAS E BLOQUEADAS ( DIREITO AUTORAL )
ÍNDICE
- INTRODUÇÃO DOS VALORES
- JUROS COMPOSTOS
Quadro de Evolução do Saldo Devedor baseado em regime de JUROS COMPOSTOS
- TOTAL ( Juros Compostos )
Totalização dos valores do quadro anterior ( Juros Compostos )
- L. 4.380-64 1ª. INTERPRETAÇÃO
Quadro de Evolução do Saldo Devedor baseado na
LEI 4.380/64 art. 6º. alínea "c" => 1ª. INTERPRETAÇÃO
- TOTAL ( 1ª. Interpretação )
Totalização dos valores do quadro anterior ( 1ª. Interpretação )
- L. 4.380-64 2ª. INTERPRETAÇÃO
Quadro de Evolução do Saldo Devedor baseado na
LEI 4.380/64 art. 6º. alínea "c" => 2ª. INTERPRETAÇÃO
- TOTAL ( 2ª. Interpretação )
Totalização dos valores do quadro anterior ( 2ª. Interpretação )
- L. 4.380-64 3ª. INTERPRETAÇÃO
Quadro de Evolução do Saldo Devedor baseado na
LEI 4.380/64 art. 6º. alínea "c" => 3ª. INTERPRETAÇÃO
- TOTAL ( 3ª. Interpretação )
Totalização dos valores do quadro anterior ( 3ª. Interpretação )
- JUROS SIMPLES
Quadro de Evolução do Saldo Devedor baseado em regime de Juros Simples
- TOTAL ( Juros Simples )
Totalização dos valores do quadro anterior ( Juros Simples )
PCFH_REVISIONAL - PLANILHA DE CÁLCULO REVISIONAL DE FINANCIAMENTO HABITACIONAL
Juros Compostos , Lei 4.380/64 art. 6º. alínea "c" e Juros Simples.
- DEVOLUÇÃO
- MOEDAS
- OBS.- JUROS NÃO CAPITALIZADOS
- Var.% dos Indexadores da Poup. Fonte: Banco Central
Var.% dos Indexadores de Correção Monetária da Poupança desde JUL - 70
- TR - Diária_1 - 28 Fonte: Banco Central
TR - Diária _ 1 - 28 desde FEV - 91
- Var.% C. Monet. FH_RFGTS Fonte: Caixa Econômica Federal
Var.% do Indexador de Correção Monetária para os Financiamentos Habitacionais
com recursos do Fundo de Garantia por Tempo de Serviço desde JUN - 91 até
- Var.% I N P C ( IBGE ) Fonte: IBGE
- Var.% I G P - D I ( FGV ) Fonte: FGV
- Var.% I G P - M ( FGV ) Fonte: FGV
- Var.% I N C C - D I ( FGV ) Fonte: FGV
- PLANO REAL
- CPLC ( Juros Compostos )
Cálculo das Prestações Líquidas Constantes de acordo com o Sistema Price
baseado no regime de Juros Compostos ( refinanciamentos ou financiamentos )
- CPLC ( 2ª. Interpretação )
Cálculo das Prestações Líquidas Constantes de acordo com a 2ª. Interpretação do
art. 6º. alínea "c" da Lei 4.380/64 ( refinanciamentos ou financiamentos )
- CPLC ( Refin. Juros Simples )
Cálculo das Prestações Líquidas Constantes a partir do Principal Devido para a
utilização exclusiva em REFINANCIAMENTOS baseados em Juros Simples
SET - 95 ( em seguida utiliza-se a TR " MENSAL " ).
Var.% do INPC ( ÍNDICE NACIONAL DE PREÇOS AO CONSUMIDOR - IBGE ) desde ABR - 79
Var.% do IGP - DI ( ÍNDICE GERAL DE PREÇOS AO CONSUMIDOR EM DISPONIBILIDADE
INTERNA - FGV ) desde JUL - 83
Var.% do IGP - M ( ÍNDICE GERAL DE PREÇOS NO MERCADO - FGV ) desde JUN - 89
Var.% do INCC - DI ( ÍNDICE NACIONAL DO CUSTO DA CONSTRUÇÃO EM DISPONIBILIDADE
INTERNA - FGV ) desde JAN - 84
OS CAMPOS EM COR VERDE NÃO PERMITEM A ENTRADA DE DADOS NESTA VERSÃO DEMONSTRATIVA
INTRODUÇÃO DOS VALORES
ATENÇÃO :
=> ANTES DE PROSSEGUIR NÃO DEIXE DE LER A SEÇÃO DESTA PLANILHA DENOMINADA COMO
" OBS.- JUROS NÃO CAPITALIZADOS ". ATRAVÉS DO ÍNDICE PODE-SE FACILMENTE VER SUA
LOCALIZAÇÃO NESTE ARQUIVO.
=>
GOS. CASO DESEJAR INTRODUZIR OS VALORES DAS PRESTAÇÕES LÍQUIDAS, DIGITE OS MESMOS NO
1 Introdução dos dados iniciais ( nos campos em cor azul é possível a entrada de dados ).
12% por 360 dias é equivalente a 0,948879% por 30 dias
12% por 360 dias é proporcional a 1% por 30 dias
1.000000% Taxa de Juros por 30 dias
200,000.00
AS PRESTAÇÕES LÍQUIDAS SERÃO CALCULADAS A PARTIR DAS PMTs INTRODUZIDAS E DEMAIS ENCAR-
CAMPO PMT E O VALOR ZERO PARA TODOS OS ENCARGOS. ASSIM A PRESTAÇÃO LÍQUIDA SERÁ IGUAL
À PMT.
Característica:
Sistema de Amortização : Irrelevante.
PMT : Introduzida pelo usuário.
Saldo : Corrigido pelo campo % ( 4 ) .
MPI : Introduzido pelo usuário.
DFI : Introduzido pelo usuário.
SC : Introduzido pelo usuário.
FCVS : Introduzido pelo usuário.
TS : Introduzida pelo usuário.
Legenda:
DCV : Divisor de Conversão de Valor ( moeda )
1 - Juros
2 - Prestação Líquida ( para diminuição do saldo )
4 - Saldo Devedor
5 - Seguro de Morte ou Permanente Invalidez ( MPI )
6 - Seguro de Danos Físicos do Imóvel ( DFI )
7 - Seguro de Crédito ( SC )
8 - Fundo de Compensação de Variações Salariais ( FCVS )
9 - Taxa de Serviço ou Taxa de Administração ( TS )
10 - Prestação Mensal Total ( PMT )
valor Financiado
180 Quantidade de Prestações
Para facilitar a observação do Quadro de Amortização,
não deixe de preencher os campos abaixo.
11
1994
2 Posição mês a mês do financiamento.
Não imprima diretamente esta seção, proceda da seguinte forma:
Selecione "arrastando" com o mouse a área que deseja imprimir, depois pressione as
Quadro de Amortização
Atenção :
No campo 10, introduza o valor da Prestação Mensal Total.
5 6 7 8 9 10
DCV % ( 4 ) MPI DFI SC FCVS TS PMT
1 11 ### 1 2.5551 127.00 22.20 205.11 0.00 12.00 3,556.91
2 12 1 2.9210 130.71 22.85 209.93 0.00 12.35 3,647.91
3 1 ### 1 2.8731 134.47 23.51 214.75 0.00 12.70 3,739.45
4 2 1 2.1013 137.30 24.00 218.03 0.00 12.97 3,804.48
5 3 1 1.8531 139.84 24.44 220.82 0.00 13.21 3,861.18
6 4 1 2.2998 143.06 25.00 224.62 0.00 13.51 3,935.85
7 5 1 3.4667 148.02 25.87 231.07 0.00 13.98 4,057.68
8 6 1 3.2471 152.83 26.71 237.21 0.00 14.43 4,174.37
9 7 1 2.8863 157.24 27.48 242.64 0.00 14.85 4,279.33
10 8 1 2.9905 161.94 28.30 248.44 0.00 15.29 4,391.31
11 9 1 2.6045 166.16 29.04 253.43 0.00 15.69 4,489.30
12 10 1 1.9393 169.38 29.60 256.82 0.00 15.99 4,559.64
13 11 1 1.6540 172.18 30.09 259.52 0.00 16.25 4,618.05
14 12 1 1.4387 174.66 30.52 261.69 0.00 16.48 4,667.26
15 1 ### 1 1.3400 177.00 30.93 263.61 0.00 16.70 4,712.32
16 2 1 1.2526 179.22 31.32 265.30 0.00 16.91 4,753.66
17 3 1 0.9625 180.94 31.62 266.23 0.00 17.07 4,781.55
18 4 1 0.8139 182.41 31.88 266.76 0.00 17.21 4,802.47
Número do mês ( 1ª. linha do Quadro de Amortiz. )
Ano ( 1ª. linha do Quadro de Amortização )
teclas Ctrl + P e no ítem Imprimir clique em Seleção.
5 6 7 8 9 10
DCV % ( 4 ) MPI DFI SC FCVS TS PMT
19 5 1 0.6597 183.61 32.09 266.88 0.00 17.32 4,816.03
20 6 1 0.5888 184.69 32.28 266.79 0.00 17.42 4,826.16
21 7 1 0.6099 185.82 32.48 266.75 0.00 17.53 4,837.26
22 8 1 0.5851 186.91 32.67 266.63 0.00 17.63 4,847.12
23 9 1 0.6275 188.08 32.88 266.62 0.00 17.74 4,858.98
24 10 1 0.6620 189.33 33.10 266.69 0.00 17.86 4,872.46
25 11 1 0.7419 190.73 33.35 266.95 0.00 17.99 4,889.78
26 12 1 0.8146 192.28 33.62 267.40 0.00 18.14 4,910.63
27 1 ### 1 0.8717 193.96 33.91 267.99 0.00 18.30 4,934.30
28 2 1 0.7440 195.40 34.16 268.23 0.00 18.44 4,951.73
29 3 1 0.6616 196.69 34.39 268.24 0.00 18.56 4,965.08
30 4 1 0.6316 197.93 34.61 268.16 0.00 18.68 4,976.91
31 5 1 0.6211 199.16 34.82 268.04 0.00 18.80 4,988.16
32 6 1 0.6354 200.43 35.04 267.95 0.00 18.92 5,000.09
33 7 1 0.6535 201.74 35.27 267.89 0.00 19.04 5,012.84
34 8 1 0.6580 203.07 35.50 267.83 0.00 19.17 5,025.79
35 9 1 0.6270 204.34 35.72 267.67 0.00 19.29 5,037.12
36 10 1 0.6474 205.66 35.95 267.56 0.00 19.41 5,049.43
37 11 1 0.6553 207.01 36.19 267.46 0.00 19.54 5,062.10
38 12 1 1.5334 210.18 36.74 269.67 0.00 19.84 5,118.97
39 1 ### 1 1.3085 212.93 37.22 271.29 0.00 20.10 5,164.94
40 2 1 1.1459 215.37 37.65 272.47 0.00 20.33 5,202.87
41 3 1 0.4461 216.33 37.82 271.74 0.00 20.42 5,204.73
42 4 1 0.8995 218.28 38.16 272.23 0.00 20.60 5,229.99
43 5 1 0.4720 219.31 38.34 271.54 0.00 20.70 5,233.03
44 6 1 0.4543 220.31 38.51 270.80 0.00 20.79 5,235.06
45 7 1 0.4913 221.39 38.70 270.15 0.00 20.89 5,238.94
46 8 1 0.5503 222.61 38.91 269.63 0.00 21.00 5,245.78
47 9 1 0.3749 223.44 39.06 268.64 0.00 21.08 5,243.40
48 10 1 0.4512 224.45 39.24 267.84 0.00 21.18 5,244.92
49 11 1 0.8892 226.45 39.59 268.19 0.00 21.37 5,269.22
50 12 1 0.6136 227.84 39.83 267.79 0.00 21.50 5,279.06
51 1 ### 1 0.7434 229.53 40.13 267.72 0.00 21.66 5,295.66
52 2 1 0.5163 230.72 40.34 267.03 0.00 21.77 5,300.21
53 3 1 0.8298 232.63 40.67 267.16 0.00 21.95 5,321.23
5 6 7 8 9 10
DCV % ( 4 ) MPI DFI SC FCVS TS PMT
54 4 1 1.1614 235.33 41.14 268.15 0.00 22.20 5,359.80
55 5 1 0.6092 236.76 41.39 267.66 0.00 22.34 5,369.08
56 6 1 0.5761 238.12 41.63 267.07 0.00 22.47 5,376.52
57 7 1 0.3108 238.86 41.76 265.76 0.00 22.54 5,369.66
58 8 1 0.2933 239.56 41.88 264.39 0.00 22.61 5,361.77
59 9 1 0.2945 240.27 42.00 263.01 0.00 22.68 5,353.85
60 10 1 0.2715 240.92 42.11 261.56 0.00 22.74 5,344.60
61 11 1 0.2265 241.47 42.21 259.99 0.00 22.79 5,332.87
62 12 1 0.1998 241.95 42.29 258.34 0.00 22.84 5,319.64
63 1 ### 1 0.2998 242.68 42.42 256.93 0.00 22.91 5,311.64
64 2 1 0.2149 243.20 42.51 255.30 0.00 22.96 5,299.06
65 3 1 0.2328 243.77 42.61 253.71 0.00 23.01 5,287.34
66 4 1 0.2242 244.32 42.71 252.09 0.00 23.06 5,275.09
67 5 1 0.1301 244.64 42.77 250.22 0.00 23.09 5,257.82
68 6 1 0.2492 245.25 42.88 248.64 0.00 23.15 5,246.72
69 7 1 0.2140 245.77 42.97 246.97 0.00 23.20 5,233.69
70 8 1 0.1547 246.15 43.04 245.14 0.00 23.24 5,217.48
71 9 1 0.2025 246.65 43.13 243.43 0.00 23.29 5,203.72
72 10 1 0.1038 246.91 43.17 241.46 0.00 23.31 5,184.74
73 11 1 0.1316 247.23 43.23 239.56 0.00 23.34 5,167.17
74 12 1 0.1197 247.53 43.28 237.63 0.00 23.37 5,148.93
75 1 ### 1 0.0991 247.78 43.32 235.64 0.00 23.39 5,129.58
76 2 1 0.1369 248.12 43.38 233.74 0.00 23.42 5,112.12
77 3 1 0.0368 248.21 43.40 231.60 0.00 23.43 5,089.52
78 4 1 0.1724 248.64 43.47 229.77 0.00 23.47 5,073.75
79 5 1 0.1546 249.02 43.54 227.89 0.00 23.51 5,057.00
80 6 1 0.1827 249.47 43.62 226.07 0.00 23.55 5,041.62
81 7 1 0.1458 249.83 43.68 224.15 0.00 23.58 5,024.29
82 8 1 0.2441 250.44 43.79 222.45 0.00 23.64 5,011.85
83 9 1 0.3436 251.30 43.94 220.96 0.00 23.72 5,004.27
84 10 1 0.1627 251.71 44.01 219.06 0.00 23.76 4,987.57
85 11 1 0.0000 251.71 44.01 216.81 0.00 23.76 4,962.74
86 12 1 0.0000 251.71 44.01 214.55 0.00 23.76 4,937.90
87 1 ### 1 0.0000 251.71 44.01 212.29 0.00 23.76 4,913.06
88 2 1 0.0000 251.71 44.01 210.03 0.00 23.76 4,888.19
5 6 7 8 9 10
DCV % ( 4 ) MPI DFI SC FCVS TS PMT
89 3 1 0.0000 251.71 44.01 207.77 0.00 23.76 4,863.35
90 4 1 0.0000 251.71 44.01 205.51 0.00 23.76 4,838.51
91 5 1 0.0000 251.71 44.01 203.26 0.00 23.76 4,813.68
92 6 1 0.0000 251.71 44.01 201.00 0.00 23.76 4,788.84
93 7 1 0.0000 251.71 44.01 198.74 0.00 23.76 4,764.00
94 8 1 0.0000 251.71 44.01 196.48 0.00 23.76 4,739.15
95 9 1 0.0000 251.71 44.01 194.22 0.00 23.76 4,714.31
96 10 1 0.0000 251.71 44.01 191.96 0.00 23.76 4,689.47
97 11 1 0.0000 251.71 44.01 189.71 0.00 23.76 4,664.62
98 12 1 0.0000 251.71 44.01 187.45 0.00 23.76 4,639.78
99 1 ### 1 0.0000 251.71 44.01 185.19 0.00 23.76 4,614.94
100 2 1 0.0000 251.71 44.01 182.93 0.00 23.76 4,590.09
101 3 1 0.0000 251.71 44.01 180.67 0.00 23.76 4,565.25
102 4 1 0.0000 251.71 44.01 178.41 0.00 23.76 4,540.41
103 5 1 0.0000 251.71 44.01 176.15 0.00 23.76 4,515.57
104 6 1 0.0000 251.71 44.01 173.90 0.00 23.76 4,490.74
105 7 1 0.0000 251.71 44.01 171.64 0.00 23.76 4,465.90
106 8 1 0.0000 251.71 44.01 169.38 0.00 23.76 4,441.03
107 9 1 0.0000 251.71 44.01 167.12 0.00 23.76 4,416.19
108 10 1 0.0000 251.71 44.01 164.86 0.00 23.76 4,391.35
109 11 1 0.0000 251.71 44.01 162.60 0.00 23.76 4,366.51
110 12 1 0.0000 251.71 44.01 160.35 0.00 23.76 4,341.68
111 1 ### 1 0.0000 251.71 44.01 158.09 0.00 23.76 4,316.84
112 2 1 0.0000 251.71 44.01 155.83 0.00 23.76 4,291.99
113 3 1 0.0000 251.71 44.01 153.57 0.00 23.76 4,267.15
114 4 1 0.0000 251.71 44.01 151.31 0.00 23.76 4,242.31
115 5 1 0.0000 251.71 44.01 149.05 0.00 23.76 4,217.45
116 6 1 0.0000 251.71 44.01 146.80 0.00 23.76 4,192.62
117 7 1 0.0000 251.71 44.01 144.54 0.00 23.76 4,167.78
118 8 1 0.0000 251.71 44.01 142.28 0.00 23.76 4,142.93
119 9 1 0.0000 251.71 44.01 140.02 0.00 23.76 4,118.09
120 10 1 0.0000 251.71 44.01 137.76 0.00 23.76 4,093.25
121 11 1 0.0000 251.71 44.01 135.50 0.00 23.76 4,068.41
122 12 1 0.0000 251.71 44.01 133.25 0.00 23.76 4,043.58
123 1 ### 1 0.0000 251.71 44.01 130.99 0.00 23.76 4,018.74
5 6 7 8 9 10
DCV % ( 4 ) MPI DFI SC FCVS TS PMT
124 2 1 0.0000 251.71 44.01 128.73 0.00 23.76 3,993.87
125 3 1 0.0000 251.71 44.01 126.47 0.00 23.76 3,969.03
126 4 1 0.0000 251.71 44.01 124.21 0.00 23.76 3,944.19
127 5 1 0.0000 251.71 44.01 121.95 0.00 23.76 3,919.35
128 6 1 0.0000 251.71 44.01 119.70 0.00 23.76 3,894.52
129 7 1 0.0000 251.71 44.01 117.44 0.00 23.76 3,869.68
130 8 1 0.0000 251.71 44.01 115.18 0.00 23.76 3,844.83
131 9 1 0.0000 251.71 44.01 112.92 0.00 23.76 3,819.99
132 10 1 0.0000 251.71 44.01 110.66 0.00 23.76 3,795.15
133 11 1 0.0000 251.71 44.01 108.40 0.00 23.76 3,770.29
134 12 1 0.0000 251.71 44.01 106.14 0.00 23.76 3,745.45
135 1 ### 1 0.0000 251.71 44.01 103.89 0.00 23.76 3,720.62
136 2 1 0.0000 251.71 44.01 101.63 0.00 23.76 3,695.77
137 3 1 0.0000 251.71 44.01 99.37 0.00 23.76 3,670.93
138 4 1 0.0000 251.71 44.01 97.11 0.00 23.76 3,646.09
139 5 1 0.0000 251.71 44.01 94.85 0.00 23.76 3,621.25
140 6 1 0.0000 251.71 44.01 92.59 0.00 23.76 3,596.41
141 7 1 0.0000 251.71 44.01 90.34 0.00 23.76 3,571.58
142 8 1 0.0000 251.71 44.01 88.08 0.00 23.76 3,546.71
143 9 1 0.0000 251.71 44.01 85.82 0.00 23.76 3,521.87
144 10 1 0.0000 251.71 44.01 83.56 0.00 23.76 3,497.03
145 11 1 0.0000 251.71 44.01 81.30 0.00 23.76 3,472.19
146 12 1 0.0000 251.71 44.01 79.04 0.00 23.76 3,447.35
147 1 ### 1 0.0000 251.71 44.01 76.79 0.00 23.76 3,422.52
148 2 1 0.0000 251.71 44.01 74.53 0.00 23.76 3,397.67
149 3 1 0.0000 251.71 44.01 72.27 0.00 23.76 3,372.83
150 4 1 0.0000 251.71 44.01 70.01 0.00 23.76 3,347.99
151 5 1 0.0000 251.71 44.01 67.75 0.00 23.76 3,323.15
152 6 1 0.0000 251.71 44.01 65.49 0.00 23.76 3,298.29
153 7 1 0.0000 251.71 44.01 63.24 0.00 23.76 3,273.46
154 8 1 0.0000 251.71 44.01 60.98 0.00 23.76 3,248.61
155 9 1 0.0000 251.71 44.01 58.72 0.00 23.76 3,223.77
156 10 1 0.0000 251.71 44.01 56.46 0.00 23.76 3,198.93
157 11 1 0.0000 251.71 44.01 54.20 0.00 23.76 3,174.09
158 12 1 0.0000 251.71 44.01 51.94 0.00 23.76 3,149.25
5 6 7 8 9 10
DCV % ( 4 ) MPI DFI SC FCVS TS PMT
159 1 ### 1 0.0000 251.71 44.01 49.69 0.00 23.76 3,124.42
160 2 1 0.0000 251.71 44.01 47.43 0.00 23.76 3,099.57
161 3 1 0.0000 251.71 44.01 45.17 0.00 23.76 3,074.71
162 4 1 0.0000 251.71 44.01 42.91 0.00 23.76 3,049.87
163 5 1 0.0000 251.71 44.01 40.65 0.00 23.76 3,025.03
164 6 1 0.0000 251.71 44.01 38.39 0.00 23.76 3,000.19
165 7 1 0.0000 251.71 44.01 36.13 0.00 23.76 2,975.35
166 8 1 0.0000 251.71 44.01 33.88 0.00 23.76 2,950.51
167 9 1 0.0000 251.71 44.01 31.62 0.00 23.76 2,925.67
168 10 1 0.0000 251.71 44.01 29.36 0.00 23.76 2,900.83
169 11 1 0.0000 251.71 44.01 27.10 0.00 23.76 2,875.99
170 12 1 0.0000 251.71 44.01 24.84 0.00 23.76 2,851.13
171 1 ### 1 0.0000 251.71 44.01 22.58 0.00 23.76 2,826.28
172 2 1 0.0000 251.71 44.01 20.33 0.00 23.76 2,801.45
173 3 1 0.0000 251.71 44.01 18.07 0.00 23.76 2,776.61
174 4 1 0.0000 251.71 44.01 15.81 0.00 23.76 2,751.77
175 5 1 0.0000 251.71 44.01 13.55 0.00 23.76 2,726.93
176 6 1 0.0000 251.71 44.01 11.29 0.00 23.76 2,702.09
177 7 1 0.0000 251.71 44.01 9.03 0.00 23.76 2,677.25
178 8 1 0.0000 251.71 44.01 6.78 0.00 23.76 2,652.41
179 9 1 0.0000 251.71 44.01 4.52 0.00 23.76 2,627.55
180 10 1 0.0000 251.71 44.01 2.26 0.00 23.76 2,602.71
181 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
182 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
183 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
184 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
185 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
186 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
187 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
188 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
189 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
190 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
191 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
192 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
193 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
5 6 7 8 9 10
DCV % ( 4 ) MPI DFI SC FCVS TS PMT
194 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
195 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
196 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
197 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
198 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
199 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
200 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
201 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
202 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
203 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
204 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
205 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
206 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
207 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
208 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
209 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
210 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
211 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
212 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
213 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
214 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
215 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
216 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
217 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
218 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
219 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
220 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
221 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
222 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
223 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
224 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
225 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
226 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
227 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
228 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
5 6 7 8 9 10
DCV % ( 4 ) MPI DFI SC FCVS TS PMT
229 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
230 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
231 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
232 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
233 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
234 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
235 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
236 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
237 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
238 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
239 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
240 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
241 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
242 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
243 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
244 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
245 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
246 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
247 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
248 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
249 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
250 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
251 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
252 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
253 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
254 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
255 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
256 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
257 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
258 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
259 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
260 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
261 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
262 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
263 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
5 6 7 8 9 10
DCV % ( 4 ) MPI DFI SC FCVS TS PMT
264 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
265 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
266 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
267 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
268 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
269 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
270 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
271 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
272 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
273 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
274 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
275 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
276 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
277 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
278 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
279 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
280 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
281 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
282 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
283 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
284 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
285 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
286 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
287 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
288 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
289 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
290 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
291 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
292 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
293 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
294 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
295 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
296 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
297 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
298 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
5 6 7 8 9 10
DCV % ( 4 ) MPI DFI SC FCVS TS PMT
299 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
300 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
301 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
302 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
303 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
304 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
305 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
306 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
307 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
308 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
309 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
310 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
311 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
312 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
313 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
314 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
315 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
316 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
317 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
318 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
319 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
320 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
321 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
322 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
323 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
324 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
325 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
326 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
327 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
328 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
329 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
330 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
331 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
332 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
333 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
5 6 7 8 9 10
DCV % ( 4 ) MPI DFI SC FCVS TS PMT
334 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
335 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
336 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
337 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
338 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
339 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
340 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
341 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
342 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
343 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
344 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
345 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
346 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
347 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
348 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
349 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
350 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
351 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
352 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
353 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
354 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
355 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
356 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
357 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
358 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
359 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
360 1 0.0000 0.00 0.00 0.00 0.00 0.00 0.00
Quadro de Evolução do Saldo Devedor baseado em regime de JUROS COMPOSTOS
ATENÇÃO :
=> EM TODAS AS SEÇÕES DE TODAS AS PLANILHAS, TODO SALDO DEVEDOR NEGATIVO NÃO
CORRESPONDE AO VALOR EXCEDENTE A SER DEVOLVIDO . OS JUROS FORAM APLICADOS
MESMO APÓS A MUDANÇA DE SINAL . O OBJETIVO É MANTER O CRITÉRIO DE CÁLCULO EM
TODAS AS LINHAS DE TODOS OS TIPOS DIFERENTES DE QUADROS PARA NÃO CAUSAR
CONFUSÃO AO USUÁRIO .
DESTA FORMA, PARA A RÁPIDA DETERMINAÇÃO DO VALOR ( APENAS CORRIGIDO ) A SER
PRESTAÇÕES PAGAS EM EXCESSO DE ACORDO COM O CÁLCULO . INCLUSIVE CONSIDERANDO
O PRIMEIRO SALDO NEGATIVO COMO O VALOR INICIAL A SER ATUALIZADO ( ALTERADO DEPOIS
DA CÓPIA PARA POSITIVO NA SEÇÃO ) . ESTE VALOR DEVE ESTAR SITUADO NO MÊS
ANTERIOR AO DA PRIMEIRA PRESTAÇÃO PAGA EM EXCESSO ( DA RELAÇÃO DE PRESTAÇÕES
PAGAS A PARTIR DO MÊS SEGUINTE AO PRIMEIRO SALDO NEGATIVO PROVENIENTES DO MESMO
FINALMENTE, BASTANDO APENAS COPIAR ( E SE PRECISO ACRESCENTAR ) AS VARIAÇÕES
Característica:
PMT : Introduzida pelo usuário.
Saldo a Amortizar para o cálculo dos Juros e conseqüente Saldo
Devedor : Corrigido pelo campo % ( 4 ) .
MPI : Introduzido pelo usuário.
DFI : Introduzido pelo usuário.
SC : Introduzido pelo usuário.
FCVS : Introduzido pelo usuário.
TS : Introduzida pelo usuário.
Legenda:
DCV : Divisor de Conversão de Valor ( moeda )
1 - Juros
2 - Prestação Líquida ( para amortização )
3 - Amortização
4 - Saldo Devedor
5 - Seguro de Morte ou Permanente Invalidez ( MPI )
6 - Seguro de Danos Físicos do Imóvel ( DFI )
7 - Seguro de Crédito ( SC )
8 - Fundo de Compensação de Variações Salariais ( FCVS )
9 - Taxa de Serviço ou Taxa de Administração ( TS )
10 - Prestação Mensal Total ( PMT )
DEVOLVIDO, DEVE-SE COPIAR PARA A SEÇÃO DEVOLUÇÃO TODAS OS VALORES DAS
QUADRO DE ORIGEM COPIADAS PARA A SEÇÃO DEVOLUÇÃO ) .
PERCENTUAIS DE CORREÇÃO MONETÁRIA DO QUADRO DE ORIGEM .
1 Dados iniciais.
12% por 360 dias é equivalente a 0,948879% por 30 dias
12% por 360 dias é proporcional a 1% por 30 dias
1.000000% Taxa de Juros por 30 dias
200,000.00
180 Quantidade de Prestações
11
1994
2 Posição mês a mês do financiamento.
Não imprima diretamente esta seção, proceda da seguinte forma:
Selecione "arrastando" com o mouse a área que deseja imprimir, depois pressione as
5 6 7 8 9 10 1 2 3 4
DCV % ( 4 ) MPI DFI SC FCVS TS PMT JUROS PREST. LÍQ. AMORTIZ. SALDO DEV.
1 11 1994 1 2.5551 127.00 22.20 205.11 0.00 12.00 3,556.91### 2,051.10 3,190.60 1,139.50 203,970.70
2 12 1 2.9210 130.71 22.85 209.93 0.00 12.35 3,647.91### 2,099.29 3,272.07 1,172.78 208,755.90
3 1 1995 1 2.8731 134.47 23.51 214.75 0.00 12.70 3,739.45### 2,147.54 3,354.02 1,206.48 213,547.19
4 2 1 2.1013 137.30 24.00 218.03 0.00 12.97 3,804.48### 2,180.34 3,412.18 1,231.84 216,802.62
5 3 1 1.8531 139.84 24.44 220.82 0.00 13.21 3,861.18### 2,208.20 3,462.87 1,254.67 219,565.52
6 4 1 2.2998 143.06 25.00 224.62 0.00 13.51 3,935.85### 2,246.15 3,529.66 1,283.51 223,331.58
7 5 1 3.4667 148.02 25.87 231.07 0.00 13.98 4,057.68### 2,310.74 3,638.74 1,328.00 229,745.82
8 6 1 3.2471 152.83 26.71 237.21 0.00 14.43 4,174.37### 2,372.06 3,743.19 1,371.13 235,834.77
9 7 1 2.8863 157.24 27.48 242.64 0.00 14.85 4,279.33### 2,426.42 3,837.12 1,410.70 241,230.97
10 8 1 2.9905 161.94 28.30 248.44 0.00 15.29 4,391.31### 2,484.45 3,937.34 1,452.89 246,992.09
11 9 1 2.6045 166.16 29.04 253.43 0.00 15.69 4,489.30### 2,534.25 4,024.98 1,490.73 251,934.27
12 10 1 1.9393 169.38 29.60 256.82 0.00 15.99 4,559.64### 2,568.20 4,087.85 1,519.65 255,300.38
13 11 1 1.6540 172.18 30.09 259.52 0.00 16.25 4,618.05### 2,595.23 4,140.01 1,544.78 257,978.27
14 12 1 1.4387 174.66 30.52 261.69 0.00 16.48 4,667.26### 2,616.90 4,183.91 1,567.01 260,122.79
15 1 1996 1 1.3400 177.00 30.93 263.61 0.00 16.70 4,712.32### 2,636.08 4,224.08 1,588.00 262,020.44
16 2 1 1.2526 179.22 31.32 265.30 0.00 16.91 4,753.66### 2,653.03 4,260.91 1,607.88 263,694.63
17 3 1 0.9625 180.94 31.62 266.23 0.00 17.07 4,781.55### 2,662.33 4,285.69 1,623.36 264,609.33
18 4 1 0.8139 182.41 31.88 266.76 0.00 17.21 4,802.47### 2,667.63 4,304.21 1,636.58 265,126.41
19 5 1 0.6597 183.61 32.09 266.88 0.00 17.32 4,816.03### 2,668.75 4,316.13 1,647.38 265,228.07
20 6 1 0.5888 184.69 32.28 266.79 0.00 17.42 4,826.16### 2,667.90 4,324.98 1,657.08 265,132.65
21 7 1 0.6099 185.82 32.48 266.75 0.00 17.53 4,837.26### 2,667.50 4,334.68 1,667.18 265,082.51
22 8 1 0.5851 186.91 32.67 266.63 0.00 17.63 4,847.12### 2,666.34 4,343.28 1,676.94 264,956.57
23 9 1 0.6275 188.08 32.88 266.62 0.00 17.74 4,858.98### 2,666.19 4,353.66 1,687.47 264,931.70
valor Financiado
Número do mês ( 1ª. linha do Quadro de Amortiz. )
Ano ( 1ª. linha do Quadro de Amortização )
teclas Ctrl + P e no ítem Imprimir clique em Seleção.
5 6 7 8 9 10 1 2 3 4
DCV % ( 4 ) MPI DFI SC FCVS TS PMT JUROS PREST. LÍQ. AMORTIZ. SALDO DEV.
24 10 1 0.6620 189.33 33.10 266.69 0.00 17.86 4,872.46### 2,666.86 4,365.48 1,698.62 264,986.93
25 11 1 0.7419 190.73 33.35 266.95 0.00 17.99 4,889.78### 2,669.53 4,380.76 1,711.23 265,241.64
26 12 1 0.8146 192.28 33.62 267.40 0.00 18.14 4,910.63### 2,674.02 4,399.19 1,725.17 265,677.13
27 1 1997 1 0.8717 193.96 33.91 267.99 0.00 18.30 4,934.30### 2,679.93 4,420.14 1,740.21 266,252.83
28 2 1 0.7440 195.40 34.16 268.23 0.00 18.44 4,951.73### 2,682.34 4,435.50 1,753.16 266,480.59
29 3 1 0.6616 196.69 34.39 268.24 0.00 18.56 4,965.08### 2,682.44 4,447.20 1,764.76 266,478.87
30 4 1 0.6316 197.93 34.61 268.16 0.00 18.68 4,976.91### 2,681.62 4,457.53 1,775.91 266,386.04
31 5 1 0.6211 199.16 34.82 268.04 0.00 18.80 4,988.16### 2,680.41 4,467.34 1,786.93 266,253.63
32 6 1 0.6354 200.43 35.04 267.95 0.00 18.92 5,000.09### 2,679.45 4,477.75 1,798.30 266,147.11
33 7 1 0.6535 201.74 35.27 267.89 0.00 19.04 5,012.84### 2,678.86 4,488.90 1,810.04 266,076.34
34 8 1 0.6580 203.07 35.50 267.83 0.00 19.17 5,025.79### 2,678.27 4,500.22 1,821.95 266,005.17
35 9 1 0.6270 204.34 35.72 267.67 0.00 19.29 5,037.12### 2,676.73 4,510.10 1,833.37 265,839.65
36 10 1 0.6474 205.66 35.95 267.56 0.00 19.41 5,049.43### 2,675.61 4,520.85 1,845.24 265,715.46
37 11 1 0.6553 207.01 36.19 267.46 0.00 19.54 5,062.10### 2,674.57 4,531.90 1,857.33 265,599.36
38 12 1 1.5334 210.18 36.74 269.67 0.00 19.84 5,118.97### 2,696.72 4,582.54 1,885.82 267,786.24
39 1 1998 1 1.3085 212.93 37.22 271.29 0.00 20.10 5,164.94### 2,712.90 4,623.40 1,910.50 269,379.72
40 2 1 1.1459 215.37 37.65 272.47 0.00 20.33 5,202.87### 2,724.67 4,657.05 1,932.38 270,534.16
41 3 1 0.4461 216.33 37.82 271.74 0.00 20.42 5,204.73### 2,717.41 4,658.42 1,941.01 269,800.00
42 4 1 0.8995 218.28 38.16 272.23 0.00 20.60 5,229.99### 2,722.27 4,680.72 1,958.45 270,268.40
43 5 1 0.4720 219.31 38.34 271.54 0.00 20.70 5,233.03### 2,715.44 4,683.14 1,967.70 269,576.37
44 6 1 0.4543 220.31 38.51 270.80 0.00 20.79 5,235.06### 2,708.01 4,684.65 1,976.64 268,824.42
45 7 1 0.4913 221.39 38.70 270.15 0.00 20.89 5,238.94### 2,701.45 4,687.81 1,986.36 268,158.79
46 8 1 0.5503 222.61 38.91 269.63 0.00 21.00 5,245.78### 2,696.34 4,693.63 1,997.29 267,637.18
47 9 1 0.3749 223.44 39.06 268.64 0.00 21.08 5,243.40### 2,686.41 4,691.18 2,004.77 266,635.78
48 10 1 0.4512 224.45 39.24 267.84 0.00 21.18 5,244.92### 2,678.39 4,692.21 2,013.82 265,825.02
49 11 1 0.8892 226.45 39.59 268.19 0.00 21.37 5,269.22### 2,681.89 4,713.62 2,031.73 266,157.01
50 12 1 0.6136 227.84 39.83 267.79 0.00 21.50 5,279.06### 2,677.90 4,722.10 2,044.20 265,745.95
51 1 1999 1 0.7434 229.53 40.13 267.72 0.00 21.66 5,295.66### 2,677.22 4,736.62 2,059.40 265,662.11
52 2 1 0.5163 230.72 40.34 267.03 0.00 21.77 5,300.21### 2,670.34 4,740.35 2,070.01 264,963.71
53 3 1 0.8298 232.63 40.67 267.16 0.00 21.95 5,321.23### 2,671.62 4,758.82 2,087.20 265,075.18
54 4 1 1.1614 235.33 41.14 268.15 0.00 22.20 5,359.80### 2,681.54 4,792.98 2,111.44 266,042.32
55 5 1 0.6092 236.76 41.39 267.66 0.00 22.34 5,369.08### 2,676.63 4,800.93 2,124.30 265,538.75
56 6 1 0.5761 238.12 41.63 267.07 0.00 22.47 5,376.52### 2,670.69 4,807.23 2,136.54 264,931.98
57 7 1 0.3108 238.86 41.76 265.76 0.00 22.54 5,369.66### 2,657.55 4,800.74 2,143.19 263,612.20
58 8 1 0.2933 239.56 41.88 264.39 0.00 22.61 5,361.77### 2,643.85 4,793.33 2,149.48 262,235.89
59 9 1 0.2945 240.27 42.00 263.01 0.00 22.68 5,353.85### 2,630.08 4,785.89 2,155.81 260,852.36
60 10 1 0.2715 240.92 42.11 261.56 0.00 22.74 5,344.60### 2,615.61 4,777.27 2,161.66 259,398.91
61 11 1 0.2265 241.47 42.21 259.99 0.00 22.79 5,332.87### 2,599.86 4,766.41 2,166.55 257,819.90
62 12 1 0.1998 241.95 42.29 258.34 0.00 22.84 5,319.64### 2,583.35 4,754.22 2,170.87 256,164.15
63 1 2000 1 0.2998 242.68 42.42 256.93 0.00 22.91 5,311.64### 2,569.32 4,746.70 2,177.38 254,754.75
64 2 1 0.2149 243.20 42.51 255.30 0.00 22.96 5,299.06### 2,553.02 4,735.09 2,182.07 253,120.15
5 6 7 8 9 10 1 2 3 4
DCV % ( 4 ) MPI DFI SC FCVS TS PMT JUROS PREST. LÍQ. AMORTIZ. SALDO DEV.
65 3 1 0.2328 243.77 42.61 253.71 0.00 23.01 5,287.34### 2,537.09 4,724.24 2,187.15 251,522.26
66 4 1 0.2242 244.32 42.71 252.09 0.00 23.06 5,275.09### 2,520.86 4,712.91 2,192.05 249,894.12
67 5 1 0.1301 244.64 42.77 250.22 0.00 23.09 5,257.82### 2,502.19 4,697.10 2,194.91 248,024.32
68 6 1 0.2492 245.25 42.88 248.64 0.00 23.15 5,246.72### 2,486.42 4,686.80 2,200.38 246,442.02
69 7 1 0.2140 245.77 42.97 246.97 0.00 23.20 5,233.69### 2,469.69 4,674.78 2,205.09 244,764.32
70 8 1 0.1547 246.15 43.04 245.14 0.00 23.24 5,217.48### 2,451.43 4,659.91 2,208.48 242,934.49
71 9 1 0.2025 246.65 43.13 243.43 0.00 23.29 5,203.72### 2,434.26 4,647.22 2,212.96 241,213.47
72 10 1 0.1038 246.91 43.17 241.46 0.00 23.31 5,184.74### 2,414.64 4,629.89 2,215.25 239,248.60
73 11 1 0.1316 247.23 43.23 239.56 0.00 23.34 5,167.17### 2,395.63 4,613.81 2,218.18 237,345.27
74 12 1 0.1197 247.53 43.28 237.63 0.00 23.37 5,148.93### 2,376.29 4,597.12 2,220.83 235,408.54
75 1 2001 1 0.0991 247.78 43.32 235.64 0.00 23.39 5,129.58### 2,356.42 4,579.45 2,223.03 233,418.80
76 2 1 0.1369 248.12 43.38 233.74 0.00 23.42 5,112.12### 2,337.38 4,563.46 2,226.08 231,512.27
77 3 1 0.0368 248.21 43.40 231.60 0.00 23.43 5,089.52### 2,315.97 4,542.88 2,226.91 229,370.56
78 4 1 0.1724 248.64 43.47 229.77 0.00 23.47 5,073.75### 2,297.66 4,528.40 2,230.74 227,535.25
79 5 1 0.1546 249.02 43.54 227.89 0.00 23.51 5,057.00### 2,278.87 4,513.04 2,234.17 225,652.85
80 6 1 0.1827 249.47 43.62 226.07 0.00 23.55 5,041.62### 2,260.65 4,498.91 2,238.26 223,826.86
81 7 1 0.1458 249.83 43.68 224.15 0.00 23.58 5,024.29### 2,241.53 4,483.05 2,241.52 221,911.68
82 8 1 0.2441 250.44 43.79 222.45 0.00 23.64 5,011.85### 2,224.53 4,471.53 2,247.00 220,206.37
83 9 1 0.3436 251.30 43.94 220.96 0.00 23.72 5,004.27### 2,209.63 4,464.35 2,254.72 218,708.28
84 10 1 0.1627 251.71 44.01 219.06 0.00 23.76 4,987.57### 2,190.64 4,449.03 2,258.39 216,805.73
85 11 1 0.0000 251.71 44.01 216.81 0.00 23.76 4,962.74### 2,168.06 4,426.45 2,258.39 214,547.34
86 12 1 0.0000 251.71 44.01 214.55 0.00 23.76 4,937.90### 2,145.47 4,403.87 2,258.40 212,288.94
87 1 2002 1 0.0000 251.71 44.01 212.29 0.00 23.76 4,913.06### 2,122.89 4,381.29 2,258.40 210,030.54
88 2 1 0.0000 251.71 44.01 210.03 0.00 23.76 4,888.19### 2,100.31 4,358.68 2,258.37 207,772.17
89 3 1 0.0000 251.71 44.01 207.77 0.00 23.76 4,863.35### 2,077.72 4,336.10 2,258.38 205,513.79
90 4 1 0.0000 251.71 44.01 205.51 0.00 23.76 4,838.51### 2,055.14 4,313.52 2,258.38 203,255.41
91 5 1 0.0000 251.71 44.01 203.26 0.00 23.76 4,813.68### 2,032.55 4,290.94 2,258.39 200,997.02
92 6 1 0.0000 251.71 44.01 201.00 0.00 23.76 4,788.84### 2,009.97 4,268.36 2,258.39 198,738.63
93 7 1 0.0000 251.71 44.01 198.74 0.00 23.76 4,764.00### 1,987.39 4,245.78 2,258.39 196,480.24
94 8 1 0.0000 251.71 44.01 196.48 0.00 23.76 4,739.15### 1,964.80 4,223.19 2,258.39 194,221.85
95 9 1 0.0000 251.71 44.01 194.22 0.00 23.76 4,714.31### 1,942.22 4,200.61 2,258.39 191,963.46
96 10 1 0.0000 251.71 44.01 191.96 0.00 23.76 4,689.47### 1,919.63 4,178.03 2,258.40 189,705.06
97 11 1 0.0000 251.71 44.01 189.71 0.00 23.76 4,664.62### 1,897.05 4,155.43 2,258.38 187,446.68
98 12 1 0.0000 251.71 44.01 187.45 0.00 23.76 4,639.78### 1,874.47 4,132.85 2,258.38 185,188.30
99 1 2003 1 0.0000 251.71 44.01 185.19 0.00 23.76 4,614.94### 1,851.88 4,110.27 2,258.39 182,929.91
100 2 1 0.0000 251.71 44.01 182.93 0.00 23.76 4,590.09### 1,829.30 4,087.68 2,258.38 180,671.53
101 3 1 0.0000 251.71 44.01 180.67 0.00 23.76 4,565.25### 1,806.72 4,065.10 2,258.38 178,413.15
102 4 1 0.0000 251.71 44.01 178.41 0.00 23.76 4,540.41### 1,784.13 4,042.52 2,258.39 176,154.76
103 5 1 0.0000 251.71 44.01 176.15 0.00 23.76 4,515.57### 1,761.55 4,019.94 2,258.39 173,896.37
104 6 1 0.0000 251.71 44.01 173.90 0.00 23.76 4,490.74### 1,738.96 3,997.36 2,258.40 171,637.97
105 7 1 0.0000 251.71 44.01 171.64 0.00 23.76 4,465.90### 1,716.38 3,974.78 2,258.40 169,379.57
5 6 7 8 9 10 1 2 3 4
DCV % ( 4 ) MPI DFI SC FCVS TS PMT JUROS PREST. LÍQ. AMORTIZ. SALDO DEV.
106 8 1 0.0000 251.71 44.01 169.38 0.00 23.76 4,441.03### 1,693.80 3,952.17 2,258.37 167,121.20
107 9 1 0.0000 251.71 44.01 167.12 0.00 23.76 4,416.19### 1,671.21 3,929.59 2,258.38 164,862.82
108 10 1 0.0000 251.71 44.01 164.86 0.00 23.76 4,391.35### 1,648.63 3,907.01 2,258.38 162,604.44
109 11 1 0.0000 251.71 44.01 162.60 0.00 23.76 4,366.51### 1,626.04 3,884.43 2,258.39 160,346.05
110 12 1 0.0000 251.71 44.01 160.35 0.00 23.76 4,341.68### 1,603.46 3,861.85 2,258.39 158,087.66
111 1 2004 1 0.0000 251.71 44.01 158.09 0.00 23.76 4,316.84### 1,580.88 3,839.27 2,258.39 155,829.27
112 2 1 0.0000 251.71 44.01 155.83 0.00 23.76 4,291.99### 1,558.29 3,816.68 2,258.39 153,570.88
113 3 1 0.0000 251.71 44.01 153.57 0.00 23.76 4,267.15### 1,535.71 3,794.10 2,258.39 151,312.49
114 4 1 0.0000 251.71 44.01 151.31 0.00 23.76 4,242.31### 1,513.12 3,771.52 2,258.40 149,054.09
115 5 1 0.0000 251.71 44.01 149.05 0.00 23.76 4,217.45### 1,490.54 3,748.92 2,258.38 146,795.71
116 6 1 0.0000 251.71 44.01 146.80 0.00 23.76 4,192.62### 1,467.96 3,726.34 2,258.38 144,537.33
117 7 1 0.0000 251.71 44.01 144.54 0.00 23.76 4,167.78### 1,445.37 3,703.76 2,258.39 142,278.94
118 8 1 0.0000 251.71 44.01 142.28 0.00 23.76 4,142.93### 1,422.79 3,681.17 2,258.38 140,020.56
119 9 1 0.0000 251.71 44.01 140.02 0.00 23.76 4,118.09### 1,400.21 3,658.59 2,258.38 137,762.18
120 10 1 0.0000 251.71 44.01 137.76 0.00 23.76 4,093.25### 1,377.62 3,636.01 2,258.39 135,503.79
121 11 1 0.0000 251.71 44.01 135.50 0.00 23.76 4,068.41### 1,355.04 3,613.43 2,258.39 133,245.40
122 12 1 0.0000 251.71 44.01 133.25 0.00 23.76 4,043.58### 1,332.45 3,590.85 2,258.40 130,987.00
123 1 2005 1 0.0000 251.71 44.01 130.99 0.00 23.76 4,018.74### 1,309.87 3,568.27 2,258.40 128,728.60
124 2 1 0.0000 251.71 44.01 128.73 0.00 23.76 3,993.87### 1,287.29 3,545.66 2,258.37 126,470.23
125 3 1 0.0000 251.71 44.01 126.47 0.00 23.76 3,969.03### 1,264.70 3,523.08 2,258.38 124,211.85
126 4 1 0.0000 251.71 44.01 124.21 0.00 23.76 3,944.19### 1,242.12 3,500.50 2,258.38 121,953.47
127 5 1 0.0000 251.71 44.01 121.95 0.00 23.76 3,919.35### 1,219.53 3,477.92 2,258.39 119,695.08
128 6 1 0.0000 251.71 44.01 119.70 0.00 23.76 3,894.52### 1,196.95 3,455.34 2,258.39 117,436.69
129 7 1 0.0000 251.71 44.01 117.44 0.00 23.76 3,869.68### 1,174.37 3,432.76 2,258.39 115,178.30
130 8 1 0.0000 251.71 44.01 115.18 0.00 23.76 3,844.83### 1,151.78 3,410.17 2,258.39 112,919.91
131 9 1 0.0000 251.71 44.01 112.92 0.00 23.76 3,819.99### 1,129.20 3,387.59 2,258.39 110,661.52
132 10 1 0.0000 251.71 44.01 110.66 0.00 23.76 3,795.15### 1,106.62 3,365.01 2,258.39 108,403.13
133 11 1 0.0000 251.71 44.01 108.40 0.00 23.76 3,770.29### 1,084.03 3,342.41 2,258.38 106,144.75
134 12 1 0.0000 251.71 44.01 106.14 0.00 23.76 3,745.45### 1,061.45 3,319.83 2,258.38 103,886.37
135 1 2006 1 0.0000 251.71 44.01 103.89 0.00 23.76 3,720.62### 1,038.86 3,297.25 2,258.39 101,627.98
136 2 1 0.0000 251.71 44.01 101.63 0.00 23.76 3,695.77### 1,016.28 3,274.66 2,258.38 99,369.60
137 3 1 0.0000 251.71 44.01 99.37 0.00 23.76 3,670.93### 993.70 3,252.08 2,258.38 97,111.22
138 4 1 0.0000 251.71 44.01 97.11 0.00 23.76 3,646.09### 971.11 3,229.50 2,258.39 94,852.83
139 5 1 0.0000 251.71 44.01 94.85 0.00 23.76 3,621.25### 948.53 3,206.92 2,258.39 92,594.44
140 6 1 0.0000 251.71 44.01 92.59 0.00 23.76 3,596.41### 925.94 3,184.34 2,258.40 90,336.04
141 7 1 0.0000 251.71 44.01 90.34 0.00 23.76 3,571.58### 903.36 3,161.76 2,258.40 88,077.64
142 8 1 0.0000 251.71 44.01 88.08 0.00 23.76 3,546.71### 880.78 3,139.15 2,258.37 85,819.27
143 9 1 0.0000 251.71 44.01 85.82 0.00 23.76 3,521.87### 858.19 3,116.57 2,258.38 83,560.89
144 10 1 0.0000 251.71 44.01 83.56 0.00 23.76 3,497.03### 835.61 3,093.99 2,258.38 81,302.51
145 11 1 0.0000 251.71 44.01 81.30 0.00 23.76 3,472.19### 813.03 3,071.41 2,258.38 79,044.13
146 12 1 0.0000 251.71 44.01 79.04 0.00 23.76 3,447.35### 790.44 3,048.83 2,258.39 76,785.74
5 6 7 8 9 10 1 2 3 4
DCV % ( 4 ) MPI DFI SC FCVS TS PMT JUROS PREST. LÍQ. AMORTIZ. SALDO DEV.
147 1 2007 1 0.0000 251.71 44.01 76.79 0.00 23.76 3,422.52### 767.86 3,026.25 2,258.39 74,527.35
148 2 1 0.0000 251.71 44.01 74.53 0.00 23.76 3,397.67### 745.27 3,003.66 2,258.39 72,268.96
149 3 1 0.0000 251.71 44.01 72.27 0.00 23.76 3,372.83### 722.69 2,981.08 2,258.39 70,010.57
150 4 1 0.0000 251.71 44.01 70.01 0.00 23.76 3,347.99### 700.11 2,958.50 2,258.39 67,752.18
151 5 1 0.0000 251.71 44.01 67.75 0.00 23.76 3,323.15### 677.52 2,935.92 2,258.40 65,493.78
152 6 1 0.0000 251.71 44.01 65.49 0.00 23.76 3,298.29### 654.94 2,913.32 2,258.38 63,235.40
153 7 1 0.0000 251.71 44.01 63.24 0.00 23.76 3,273.46### 632.35 2,890.74 2,258.39 60,977.01
154 8 1 0.0000 251.71 44.01 60.98 0.00 23.76 3,248.61### 609.77 2,868.15 2,258.38 58,718.63
155 9 1 0.0000 251.71 44.01 58.72 0.00 23.76 3,223.77### 587.19 2,845.57 2,258.38 56,460.25
156 10 1 0.0000 251.71 44.01 56.46 0.00 23.76 3,198.93### 564.60 2,822.99 2,258.39 54,201.86
157 11 1 0.0000 251.71 44.01 54.20 0.00 23.76 3,174.09### 542.02 2,800.41 2,258.39 51,943.47
158 12 1 0.0000 251.71 44.01 51.94 0.00 23.76 3,149.25### 519.43 2,777.83 2,258.40 49,685.07
159 1 2008 1 0.0000 251.71 44.01 49.69 0.00 23.76 3,124.42### 496.85 2,755.25 2,258.40 47,426.67
160 2 1 0.0000 251.71 44.01 47.43 0.00 23.76 3,099.57### 474.27 2,732.66 2,258.39 45,168.28
161 3 1 0.0000 251.71 44.01 45.17 0.00 23.76 3,074.71### 451.68 2,710.06 2,258.38 42,909.90
162 4 1 0.0000 251.71 44.01 42.91 0.00 23.76 3,049.87### 429.10 2,687.48 2,258.38 40,651.52
163 5 1 0.0000 251.71 44.01 40.65 0.00 23.76 3,025.03### 406.52 2,664.90 2,258.38 38,393.14
164 6 1 0.0000 251.71 44.01 38.39 0.00 23.76 3,000.19### 383.93 2,642.32 2,258.39 36,134.75
165 7 1 0.0000 251.71 44.01 36.13 0.00 23.76 2,975.35### 361.35 2,619.74 2,258.39 33,876.36
166 8 1 0.0000 251.71 44.01 33.88 0.00 23.76 2,950.51### 338.76 2,597.15 2,258.39 31,617.97
167 9 1 0.0000 251.71 44.01 31.62 0.00 23.76 2,925.67### 316.18 2,574.57 2,258.39 29,359.58
168 10 1 0.0000 251.71 44.01 29.36 0.00 23.76 2,900.83### 293.60 2,551.99 2,258.39 27,101.19
169 11 1 0.0000 251.71 44.01 27.10 0.00 23.76 2,875.99### 271.01 2,529.41 2,258.40 24,842.79
170 12 1 0.0000 251.71 44.01 24.84 0.00 23.76 2,851.13### 248.43 2,506.81 2,258.38 22,584.41
171 1 2009 1 0.0000 251.71 44.01 22.58 0.00 23.76 2,826.28### 225.84 2,484.22 2,258.38 20,326.03
172 2 1 0.0000 251.71 44.01 20.33 0.00 23.76 2,801.45### 203.26 2,461.64 2,258.38 18,067.65
173 3 1 0.0000 251.71 44.01 18.07 0.00 23.76 2,776.61### 180.68 2,439.06 2,258.38 15,809.27
174 4 1 0.0000 251.71 44.01 15.81 0.00 23.76 2,751.77### 158.09 2,416.48 2,258.39 13,550.88
175 5 1 0.0000 251.71 44.01 13.55 0.00 23.76 2,726.93### 135.51 2,393.90 2,258.39 11,292.49
176 6 1 0.0000 251.71 44.01 11.29 0.00 23.76 2,702.09### 112.92 2,371.32 2,258.40 9,034.09
177 7 1 0.0000 251.71 44.01 9.03 0.00 23.76 2,677.25### 90.34 2,348.74 2,258.40 6,775.69
178 8 1 0.0000 251.71 44.01 6.78 0.00 23.76 2,652.41### 67.76 2,326.15 2,258.39 4,517.30
179 9 1 0.0000 251.71 44.01 4.52 0.00 23.76 2,627.55### 45.17 2,303.55 2,258.38 2,258.92
180 10 1 0.0000 251.71 44.01 2.26 0.00 23.76 2,602.71### 22.59 2,280.97 2,258.38 0.54
181 ###
182 ###
183 ###
184 ###
185 ###
186 ###
187 ###
5 6 7 8 9 10 1 2 3 4
DCV % ( 4 ) MPI DFI SC FCVS TS PMT JUROS PREST. LÍQ. AMORTIZ. SALDO DEV.
188 ###
189 ###
190 ###
191 ###
192 ###
193 ###
194 ###
195 ###
196 ###
197 ###
198 ###
199 ###
200 ###
201 ###
202 ###
203 ###
204 ###
205 ###
206 ###
207 ###
208 ###
209 ###
210 ###
211 ###
212 ###
213 ###
214 ###
215 ###
216 ###
217 ###
218 ###
219 ###
220 ###
221 ###
222 ###
223 ###
224 ###
225 ###
226 ###
227 ###
228 ###
5 6 7 8 9 10 1 2 3 4
DCV % ( 4 ) MPI DFI SC FCVS TS PMT JUROS PREST. LÍQ. AMORTIZ. SALDO DEV.
229 ###
230 ###
231 ###
232 ###
233 ###
234 ###
235 ###
236 ###
237 ###
238 ###
239 ###
240 ###
241 ###
242 ###
243 ###
244 ###
245 ###
246 ###
247 ###
248 ###
249 ###
250 ###
251 ###
252 ###
253 ###
254 ###
255 ###
256 ###
257 ###
258 ###
259 ###
260 ###
261 ###
262 ###
263 ###
264 ###
265 ###
266 ###
267 ###
268 ###
269 ###
5 6 7 8 9 10 1 2 3 4
DCV % ( 4 ) MPI DFI SC FCVS TS PMT JUROS PREST. LÍQ. AMORTIZ. SALDO DEV.
270 ###
271 ###
272 ###
273 ###
274 ###
275 ###
276 ###
277 ###
278 ###
279 ###
280 ###
281 ###
282 ###
283 ###
284 ###
285 ###
286 ###
287 ###
288 ###
289 ###
290 ###
291 ###
292 ###
293 ###
294 ###
295 ###
296 ###
297 ###
298 ###
299 ###
300 ###
301 ###
302 ###
303 ###
304 ###
305 ###
306 ###
307 ###
308 ###
309 ###
310 ###
5 6 7 8 9 10 1 2 3 4
DCV % ( 4 ) MPI DFI SC FCVS TS PMT JUROS PREST. LÍQ. AMORTIZ. SALDO DEV.
311 ###
312 ###
313 ###
314 ###
315 ###
316 ###
317 ###
318 ###
319 ###
320 ###
321 ###
322 ###
323 ###
324 ###
325 ###
326 ###
327 ###
328 ###
329 ###
330 ###
331 ###
332 ###
333 ###
334 ###
335 ###
336 ###
337 ###
338 ###
339 ###
340 ###
341 ###
342 ###
343 ###
344 ###
345 ###
346 ###
347 ###
348 ###
349 ###
350 ###
351 ###
5 6 7 8 9 10 1 2 3 4
DCV % ( 4 ) MPI DFI SC FCVS TS PMT JUROS PREST. LÍQ. AMORTIZ. SALDO DEV.
352 ###
353 ###
354 ###
355 ###
356 ###
357 ###
358 ###
359 ###
360 ###
Totalização ( Juros Compostos )
Soma das Prestações Líquidas 694,226.18
+ Valor Residual na última linha do Quadro de Amortização 0.54
Total a Prazo Líquido 694,226.72
Total a Prazo Líquido 694,226.72
- Valor Financiado 200,000.00
Acréscimo Total Líquido 494,226.72
Soma das Prestações Líquidas 694,226.18
+ Soma dos pagamentos de Seguro de Morte ou Permanente Invalidez 41,848.99
+ Soma dos pagamentos de Seguro de Danos Físicos do Imóvel 7,316.54
+ Soma dos pagamentos de Seguro de Crédito 31,875.06
+ Soma dos pagamentos para o Fundo de Compensação de Variações Salariais 0.00
+ Soma das Taxas de Serviço ou Taxas de Administração 3,950.12
Soma das Prestações Mensais Totais 779,216.89
Soma das Prestações Mensais Totais 779,216.89
+ Valor Residual na última linha do Quadro de Amortização 0.54
Total a Prazo 779,217.43
Total a Prazo 779,217.43
- Valor Financiado 200,000.00
Acréscimo Total 579,217.43
=> 1ª. INTERPRETAÇÃO :
EXISTE A POSSIBILIDADE DA ALTERAÇÃO DA ESTRUTURA DA 1ª. INTERPRETAÇÃO CITADA ACIMA. APE-
SAR DA MUDANÇA, O SALDO DEVEDOR A CADA MÊS PERMANECERÁ IDÊNTICO EM COMPARAÇÃO AOS
SALDOS MENSAIS ENCONTRADOS SEM A ALTERAÇÃO. OBSERVE ABAIXO :
1ª. INTERPRETAÇÃO COM A ESTRUTURA ALTERADA :
DO SALDO DEVEDOR ANTERIOR RETIRA-SE O VALOR DA PRESTAÇÃO CORRIGIDA E SOMENTE DEPOIS
COLOCA-SE OS JUROS DO MÊS NO MESMO ( SALDO ). POR FIM, REALIZA-SE A CORREÇÃO DO SALDO.
NÃO
ATENÇÃO :
=> EM TODAS AS SEÇÕES DE TODAS AS PLANILHAS, TODO SALDO DEVEDOR NEGATIVO NÃO
CORRESPONDE AO VALOR EXCEDENTE A SER DEVOLVIDO . OS JUROS FORAM APLICADOS
Quadro de Evolução do Saldo Devedor baseado na
LEI 4.380/64 art. 6º. alínea "c" => 1ª. INTERPRETAÇÃO
DO SALDO DEVEDOR ANTERIOR RETIRA-SE O VALOR DA PRESTAÇÃO CORRIGIDA E SOMENTE DEPOIS
REALIZA-SE A CORREÇÃO DO SALDO. POR FIM, COLOCA-SE OS JUROS DO MÊS NO MESMO ( SALDO ).
Deseja alterar a estrutura da 1ª. INTERPRETAÇÃO :
Característica:
PMT : Introduzida pelo usuário.
Saldo : Corrigido pelo campo % ( 4 ) .
MPI : Introduzido pelo usuário.
DFI : Introduzido pelo usuário.
SC : Introduzido pelo usuário.
FCVS : Introduzido pelo usuário.
TS : Introduzida pelo usuário.
Legenda:
DCV : Divisor de Conversão de Valor ( moeda )
1 - Juros
2 - Prestação Líquida ( para diminuição do saldo )
4 - Saldo Devedor
5 - Seguro de Morte ou Permanente Invalidez ( MPI )
6 - Seguro de Danos Físicos do Imóvel ( DFI )
7 - Seguro de Crédito ( SC )
8 - Fundo de Compensação de Variações Salariais ( FCVS )
9 - Taxa de Serviço ou Taxa de Administração ( TS )
10 - Prestação Mensal Total ( PMT )
MESMO APÓS A MUDANÇA DE SINAL . O OBJETIVO É MANTER O CRITÉRIO DE CÁLCULO EM
TODAS AS LINHAS DE TODOS OS TIPOS DIFERENTES DE QUADROS PARA NÃO CAUSAR
CONFUSÃO AO USUÁRIO .
DESTA FORMA, PARA A RÁPIDA DETERMINAÇÃO DO VALOR ( APENAS CORRIGIDO ) A SER
PRESTAÇÕES PAGAS EM EXCESSO DE ACORDO COM O CÁLCULO . INCLUSIVE CONSIDERANDO
O PRIMEIRO SALDO NEGATIVO COMO O VALOR INICIAL A SER ATUALIZADO ( ALTERADO DEPOIS
DA CÓPIA PARA POSITIVO NA SEÇÃO ) . ESTE VALOR DEVE ESTAR SITUADO NO MÊS
ANTERIOR AO DA PRIMEIRA PRESTAÇÃO PAGA EM EXCESSO ( DA RELAÇÃO DE PRESTAÇÕES
PAGAS A PARTIR DO MÊS SEGUINTE AO PRIMEIRO SALDO NEGATIVO PROVENIENTES DO MESMO
FINALMENTE, BASTANDO APENAS COPIAR ( E SE PRECISO ACRESCENTAR ) AS VARIAÇÕES
PERCENTUAIS DE CORREÇÃO MONETÁRIA DO QUADRO DE ORIGEM .
1 Dados iniciais.
12% por 360 dias é equivalente a 0,948879% por 30 dias
12% por 360 dias é proporcional a 1% por 30 dias
1.000000% Taxa de Juros por 30 dias
200,000.00
180 Quantidade de Prestações
11
1994
2 Posição mês a mês do financiamento.
Não imprima diretamente esta seção, proceda da seguinte forma:
Selecione "arrastando" com o mouse a área que deseja imprimir, depois pressione as
* CONSIDERA-SE A PRESTAÇÃO LÍQUIDA SEMPRE ATUALIZADA, MESMO QUE CORRIGIDA PELA ÚLTIMA VEZ A VÁRIOS MESES ATRÁS ( EXEMPLO - PES ).
5 6 7 8 9 10 2 1 4
DIFERENÇA
ENTRE O
SALDO
ANTERIOR NOVO
DESATUALIZADO SALDO
E A ATUALIZADO
PRESTAÇÃO COM JUROS
LÍQUIDA JUROS -----------------
SALDO ----------------- SOBRE O SALDO
ANTERIOR PRESTAÇÃO NOVO SALDO NOVO SALDO NOVO SALDO DEVEDOR
DCV % ( 4 ) MPI DFI SC FCVS TS PMT DESATUALIZADO LÍQUIDA DESATUALIZADO ATUALIZADO ATUALIZADO FINAL
DEVOLVIDO, DEVE-SE COPIAR PARA A SEÇÃO DEVOLUÇÃO TODAS OS VALORES DAS
QUADRO DE ORIGEM COPIADAS PARA A SEÇÃO DEVOLUÇÃO ) .
valor Financiado
Número do mês ( 1ª. linha do Quadro de Amortiz. )
Ano ( 1ª. linha do Quadro de Amortização )
teclas Ctrl + P e no ítem Imprimir clique em Seleção.
5 6 7 8 9 10 2 1 4
DIFERENÇA
ENTRE O
SALDO
ANTERIOR NOVO
DESATUALIZADO SALDO
E A ATUALIZADO
PRESTAÇÃO COM JUROS
LÍQUIDA JUROS -----------------
SALDO ----------------- SOBRE O SALDO
ANTERIOR PRESTAÇÃO NOVO SALDO NOVO SALDO NOVO SALDO DEVEDOR
DCV % ( 4 ) MPI DFI SC FCVS TS PMT DESATUALIZADO LÍQUIDA DESATUALIZADO ATUALIZADO ATUALIZADO FINAL
1 11 1994 1 2.5551 127.00 22.20 205.11 0.00 12.00 3,556.91 200,000.00 3,190.60 196,809.40 201,838.08 2,018.38 203,856.46
2 12 1 2.9210 130.71 22.85 209.93 0.00 12.35 3,647.91 203,856.46 3,272.07 200,584.39 206,443.46 2,064.43 208,507.89
3 1 1995 1 2.8731 134.47 23.51 214.75 0.00 12.70 3,739.45 208,507.89 3,354.02 205,153.87 211,048.15 2,110.48 213,158.63
4 2 1 2.1013 137.30 24.00 218.03 0.00 12.97 3,804.48 213,158.63 3,412.18 209,746.45 214,153.85 2,141.54 216,295.39
5 3 1 1.8531 139.84 24.44 220.82 0.00 13.21 3,861.18 216,295.39 3,462.87 212,832.52 216,776.52 2,167.77 218,944.29
6 4 1 2.2998 143.06 25.00 224.62 0.00 13.51 3,935.85 218,944.29 3,529.66 215,414.63 220,368.74 2,203.69 222,572.43
7 5 1 3.4667 148.02 25.87 231.07 0.00 13.98 4,057.68 222,572.43 3,638.74 218,933.69 226,523.46 2,265.23 228,788.69
8 6 1 3.2471 152.83 26.71 237.21 0.00 14.43 4,174.37 228,788.69 3,743.19 225,045.50 232,352.95 2,323.53 234,676.48
9 7 1 2.8863 157.24 27.48 242.64 0.00 14.85 4,279.33 234,676.48 3,837.12 230,839.36 237,502.08 2,375.02 239,877.10
10 8 1 2.9905 161.94 28.30 248.44 0.00 15.29 4,391.31 239,877.10 3,937.34 235,939.76 242,995.54 2,429.96 245,425.50
11 9 1 2.6045 166.16 29.04 253.43 0.00 15.69 4,489.30 245,425.50 4,024.98 241,400.52 247,687.80 2,476.88 250,164.68
12 10 1 1.9393 169.38 29.60 256.82 0.00 15.99 4,559.64 250,164.68 4,087.85 246,076.83 250,849.00 2,508.49 253,357.49
13 11 1 1.6540 172.18 30.09 259.52 0.00 16.25 4,618.05 253,357.49 4,140.01 249,217.48 253,339.54 2,533.40 255,872.94
14 12 1 1.4387 174.66 30.52 261.69 0.00 16.48 4,667.26 255,872.94 4,183.91 251,689.03 255,310.08 2,553.10 257,863.18
15 1 1996 1 1.3400 177.00 30.93 263.61 0.00 16.70 4,712.32 257,863.18 4,224.08 253,639.10 257,037.86 2,570.38 259,608.24
16 2 1 1.2526 179.22 31.32 265.30 0.00 16.91 4,753.66 259,608.24 4,260.91 255,347.33 258,545.81 2,585.46 261,131.27
17 3 1 0.9625 180.94 31.62 266.23 0.00 17.07 4,781.55 261,131.27 4,285.69 256,845.58 259,317.72 2,593.18 261,910.90
18 4 1 0.8139 182.41 31.88 266.76 0.00 17.21 4,802.47 261,910.90 4,304.21 257,606.69 259,703.35 2,597.03 262,300.38
19 5 1 0.6597 183.61 32.09 266.88 0.00 17.32 4,816.03 262,300.38 4,316.13 257,984.25 259,686.17 2,596.86 262,283.03
20 6 1 0.5888 184.69 32.28 266.79 0.00 17.42 4,826.16 262,283.03 4,324.98 257,958.05 259,476.91 2,594.77 262,071.68
21 7 1 0.6099 185.82 32.48 266.75 0.00 17.53 4,837.26 262,071.68 4,334.68 257,737.00 259,308.94 2,593.09 261,902.03
22 8 1 0.5851 186.91 32.67 266.63 0.00 17.63 4,847.12 261,902.03 4,343.28 257,558.75 259,065.73 2,590.66 261,656.39
23 9 1 0.6275 188.08 32.88 266.62 0.00 17.74 4,858.98 261,656.39 4,353.66 257,302.73 258,917.30 2,589.17 261,506.47
24 10 1 0.6620 189.33 33.10 266.69 0.00 17.86 4,872.46 261,506.47 4,365.48 257,140.99 258,843.26 2,588.43 261,431.69
25 11 1 0.7419 190.73 33.35 266.95 0.00 17.99 4,889.78 261,431.69 4,380.76 257,050.93 258,957.99 2,589.58 261,547.57
26 12 1 0.8146 192.28 33.62 267.40 0.00 18.14 4,910.63 261,547.57 4,399.19 257,148.38 259,243.11 2,592.43 261,835.54
27 1 1997 1 0.8717 193.96 33.91 267.99 0.00 18.30 4,934.30 261,835.54 4,420.14 257,415.40 259,659.29 2,596.59 262,255.88
28 2 1 0.7440 195.40 34.16 268.23 0.00 18.44 4,951.73 262,255.88 4,435.50 257,820.38 259,738.56 2,597.39 262,335.95
29 3 1 0.6616 196.69 34.39 268.24 0.00 18.56 4,965.08 262,335.95 4,447.20 257,888.75 259,594.94 2,595.95 262,190.89
30 4 1 0.6316 197.93 34.61 268.16 0.00 18.68 4,976.91 262,190.89 4,457.53 257,733.36 259,361.20 2,593.61 261,954.81
31 5 1 0.6211 199.16 34.82 268.04 0.00 18.80 4,988.16 261,954.81 4,467.34 257,487.47 259,086.72 2,590.87 261,677.59
5 6 7 8 9 10 2 1 4
DIFERENÇA
ENTRE O
SALDO
ANTERIOR NOVO
DESATUALIZADO SALDO
E A ATUALIZADO
PRESTAÇÃO COM JUROS
LÍQUIDA JUROS -----------------
SALDO ----------------- SOBRE O SALDO
ANTERIOR PRESTAÇÃO NOVO SALDO NOVO SALDO NOVO SALDO DEVEDOR
DCV % ( 4 ) MPI DFI SC FCVS TS PMT DESATUALIZADO LÍQUIDA DESATUALIZADO ATUALIZADO ATUALIZADO FINAL
32 6 1 0.6354 200.43 35.04 267.95 0.00 18.92 5,000.09 261,677.59 4,477.75 257,199.84 258,834.09 2,588.34 261,422.43
33 7 1 0.6535 201.74 35.27 267.89 0.00 19.04 5,012.84 261,422.43 4,488.90 256,933.53 258,612.59 2,586.13 261,198.72
34 8 1 0.6580 203.07 35.50 267.83 0.00 19.17 5,025.79 261,198.72 4,500.22 256,698.50 258,387.58 2,583.88 260,971.46
35 9 1 0.6270 204.34 35.72 267.67 0.00 19.29 5,037.12 260,971.46 4,510.10 256,461.36 258,069.37 2,580.69 260,650.06
36 10 1 0.6474 205.66 35.95 267.56 0.00 19.41 5,049.43 260,650.06 4,520.85 256,129.21 257,787.39 2,577.87 260,365.26
37 11 1 0.6553 207.01 36.19 267.46 0.00 19.54 5,062.10 260,365.26 4,531.90 255,833.36 257,509.84 2,575.10 260,084.94
38 12 1 1.5334 210.18 36.74 269.67 0.00 19.84 5,118.97 260,084.94 4,582.54 255,502.40 259,420.27 2,594.20 262,014.47
39 1 1998 1 1.3085 212.93 37.22 271.29 0.00 20.10 5,164.94 262,014.47 4,623.40 257,391.07 260,759.03 2,607.59 263,366.62
40 2 1 1.1459 215.37 37.65 272.47 0.00 20.33 5,202.87 263,366.62 4,657.05 258,709.57 261,674.12 2,616.74 264,290.86
41 3 1 0.4461 216.33 37.82 271.74 0.00 20.42 5,204.73 264,290.86 4,658.42 259,632.44 260,790.66 2,607.91 263,398.57
42 4 1 0.8995 218.28 38.16 272.23 0.00 20.60 5,229.99 263,398.57 4,680.72 258,717.85 261,045.02 2,610.45 263,655.47
43 5 1 0.4720 219.31 38.34 271.54 0.00 20.70 5,233.03 263,655.47 4,683.14 258,972.33 260,194.68 2,601.95 262,796.63
44 6 1 0.4543 220.31 38.51 270.80 0.00 20.79 5,235.06 262,796.63 4,684.65 258,111.98 259,284.58 2,592.85 261,877.43
45 7 1 0.4913 221.39 38.70 270.15 0.00 20.89 5,238.94 261,877.43 4,687.81 257,189.62 258,453.19 2,584.53 261,037.72
46 8 1 0.5503 222.61 38.91 269.63 0.00 21.00 5,245.78 261,037.72 4,693.63 256,344.09 257,754.75 2,577.55 260,332.30
47 9 1 0.3749 223.44 39.06 268.64 0.00 21.08 5,243.40 260,332.30 4,691.18 255,641.12 256,599.52 2,566.00 259,165.52
48 10 1 0.4512 224.45 39.24 267.84 0.00 21.18 5,244.92 259,165.52 4,692.21 254,473.31 255,621.49 2,556.21 258,177.70
49 11 1 0.8892 226.45 39.59 268.19 0.00 21.37 5,269.22 258,177.70 4,713.62 253,464.08 255,717.88 2,557.18 258,275.06
50 12 1 0.6136 227.84 39.83 267.79 0.00 21.50 5,279.06 258,275.06 4,722.10 253,552.96 255,108.76 2,551.09 257,659.85
51 1 1999 1 0.7434 229.53 40.13 267.72 0.00 21.66 5,295.66 257,659.85 4,736.62 252,923.23 254,803.46 2,548.03 257,351.49
52 2 1 0.5163 230.72 40.34 267.03 0.00 21.77 5,300.21 257,351.49 4,740.35 252,611.14 253,915.37 2,539.15 256,454.52
53 3 1 0.8298 232.63 40.67 267.16 0.00 21.95 5,321.23 256,454.52 4,758.82 251,695.70 253,784.27 2,537.84 256,322.11
54 4 1 1.1614 235.33 41.14 268.15 0.00 22.20 5,359.80 256,322.11 4,792.98 251,529.13 254,450.39 2,544.50 256,994.89
55 5 1 0.6092 236.76 41.39 267.66 0.00 22.34 5,369.08 256,994.89 4,800.93 252,193.96 253,730.33 2,537.30 256,267.63
56 6 1 0.5761 238.12 41.63 267.07 0.00 22.47 5,376.52 256,267.63 4,807.23 251,460.40 252,909.06 2,529.09 255,438.15
57 7 1 0.3108 238.86 41.76 265.76 0.00 22.54 5,369.66 255,438.15 4,800.74 250,637.41 251,416.39 2,514.16 253,930.55
58 8 1 0.2933 239.56 41.88 264.39 0.00 22.61 5,361.77 253,930.55 4,793.33 249,137.22 249,867.94 2,498.68 252,366.62
59 9 1 0.2945 240.27 42.00 263.01 0.00 22.68 5,353.85 252,366.62 4,785.89 247,580.73 248,309.86 2,483.10 250,792.96
60 10 1 0.2715 240.92 42.11 261.56 0.00 22.74 5,344.60 250,792.96 4,777.27 246,015.69 246,683.62 2,466.84 249,150.46
61 11 1 0.2265 241.47 42.21 259.99 0.00 22.79 5,332.87 249,150.46 4,766.41 244,384.05 244,937.58 2,449.38 247,386.96
62 12 1 0.1998 241.95 42.29 258.34 0.00 22.84 5,319.64 247,386.96 4,754.22 242,632.74 243,117.52 2,431.18 245,548.70
5 6 7 8 9 10 2 1 4
DIFERENÇA
ENTRE O
SALDO
ANTERIOR NOVO
DESATUALIZADO SALDO
E A ATUALIZADO
PRESTAÇÃO COM JUROS
LÍQUIDA JUROS -----------------
SALDO ----------------- SOBRE O SALDO
ANTERIOR PRESTAÇÃO NOVO SALDO NOVO SALDO NOVO SALDO DEVEDOR
DCV % ( 4 ) MPI DFI SC FCVS TS PMT DESATUALIZADO LÍQUIDA DESATUALIZADO ATUALIZADO ATUALIZADO FINAL
63 1 2000 1 0.2998 242.68 42.42 256.93 0.00 22.91 5,311.64 245,548.70 4,746.70 240,802.00 241,523.92 2,415.24 243,939.16
64 2 1 0.2149 243.20 42.51 255.30 0.00 22.96 5,299.06 243,939.16 4,735.09 239,204.07 239,718.12 2,397.18 242,115.30
65 3 1 0.2328 243.77 42.61 253.71 0.00 23.01 5,287.34 242,115.30 4,724.24 237,391.06 237,943.71 2,379.44 240,323.15
66 4 1 0.2242 244.32 42.71 252.09 0.00 23.06 5,275.09 240,323.15 4,712.91 235,610.24 236,138.48 2,361.38 238,499.86
67 5 1 0.1301 244.64 42.77 250.22 0.00 23.09 5,257.82 238,499.86 4,697.10 233,802.76 234,106.94 2,341.07 236,448.01
68 6 1 0.2492 245.25 42.88 248.64 0.00 23.15 5,246.72 236,448.01 4,686.80 231,761.21 232,338.76 2,323.39 234,662.15
69 7 1 0.2140 245.77 42.97 246.97 0.00 23.20 5,233.69 234,662.15 4,674.78 229,987.37 230,479.54 2,304.80 232,784.34
70 8 1 0.1547 246.15 43.04 245.14 0.00 23.24 5,217.48 232,784.34 4,659.91 228,124.43 228,477.34 2,284.77 230,762.11
71 9 1 0.2025 246.65 43.13 243.43 0.00 23.29 5,203.72 230,762.11 4,647.22 226,114.89 226,572.77 2,265.73 228,838.50
72 10 1 0.1038 246.91 43.17 241.46 0.00 23.31 5,184.74 228,838.50 4,629.89 224,208.61 224,441.34 2,244.41 226,685.75
73 11 1 0.1316 247.23 43.23 239.56 0.00 23.34 5,167.17 226,685.75 4,613.81 222,071.94 222,364.19 2,223.64 224,587.83
74 12 1 0.1197 247.53 43.28 237.63 0.00 23.37 5,148.93 224,587.83 4,597.12 219,990.71 220,254.04 2,202.54 222,456.58
75 1 2001 1 0.0991 247.78 43.32 235.64 0.00 23.39 5,129.58 222,456.58 4,579.45 217,877.13 218,093.05 2,180.93 220,273.98
76 2 1 0.1369 248.12 43.38 233.74 0.00 23.42 5,112.12 220,273.98 4,563.46 215,710.52 216,005.83 2,160.06 218,165.89
77 3 1 0.0368 248.21 43.40 231.60 0.00 23.43 5,089.52 218,165.89 4,542.88 213,623.01 213,701.62 2,137.02 215,838.64
78 4 1 0.1724 248.64 43.47 229.77 0.00 23.47 5,073.75 215,838.64 4,528.40 211,310.24 211,674.54 2,116.75 213,791.29
79 5 1 0.1546 249.02 43.54 227.89 0.00 23.51 5,057.00 213,791.29 4,513.04 209,278.25 209,601.79 2,096.02 211,697.81
80 6 1 0.1827 249.47 43.62 226.07 0.00 23.55 5,041.62 211,697.81 4,498.91 207,198.90 207,577.45 2,075.77 209,653.22
81 7 1 0.1458 249.83 43.68 224.15 0.00 23.58 5,024.29 209,653.22 4,483.05 205,170.17 205,469.31 2,054.69 207,524.00
82 8 1 0.2441 250.44 43.79 222.45 0.00 23.64 5,011.85 207,524.00 4,471.53 203,052.47 203,548.12 2,035.48 205,583.60
83 9 1 0.3436 251.30 43.94 220.96 0.00 23.72 5,004.27 205,583.60 4,464.35 201,119.25 201,810.30 2,018.10 203,828.40
84 10 1 0.1627 251.71 44.01 219.06 0.00 23.76 4,987.57 203,828.40 4,449.03 199,379.37 199,703.76 1,997.04 201,700.80
85 11 1 0.0000 251.71 44.01 216.81 0.00 23.76 4,962.74 201,700.80 4,426.45 197,274.35 197,274.35 1,972.74 199,247.09
86 12 1 0.0000 251.71 44.01 214.55 0.00 23.76 4,937.90 199,247.09 4,403.87 194,843.22 194,843.22 1,948.43 196,791.65
87 1 2002 1 0.0000 251.71 44.01 212.29 0.00 23.76 4,913.06 196,791.65 4,381.29 192,410.36 192,410.36 1,924.10 194,334.46
88 2 1 0.0000 251.71 44.01 210.03 0.00 23.76 4,888.19 194,334.46 4,358.68 189,975.78 189,975.78 1,899.76 191,875.54
89 3 1 0.0000 251.71 44.01 207.77 0.00 23.76 4,863.35 191,875.54 4,336.10 187,539.44 187,539.44 1,875.39 189,414.83
90 4 1 0.0000 251.71 44.01 205.51 0.00 23.76 4,838.51 189,414.83 4,313.52 185,101.31 185,101.31 1,851.01 186,952.32
91 5 1 0.0000 251.71 44.01 203.26 0.00 23.76 4,813.68 186,952.32 4,290.94 182,661.38 182,661.38 1,826.61 184,487.99
92 6 1 0.0000 251.71 44.01 201.00 0.00 23.76 4,788.84 184,487.99 4,268.36 180,219.63 180,219.63 1,802.20 182,021.83
93 7 1 0.0000 251.71 44.01 198.74 0.00 23.76 4,764.00 182,021.83 4,245.78 177,776.05 177,776.05 1,777.76 179,553.81
5 6 7 8 9 10 2 1 4
DIFERENÇA
ENTRE O
SALDO
ANTERIOR NOVO
DESATUALIZADO SALDO
E A ATUALIZADO
PRESTAÇÃO COM JUROS
LÍQUIDA JUROS -----------------
SALDO ----------------- SOBRE O SALDO
ANTERIOR PRESTAÇÃO NOVO SALDO NOVO SALDO NOVO SALDO DEVEDOR
DCV % ( 4 ) MPI DFI SC FCVS TS PMT DESATUALIZADO LÍQUIDA DESATUALIZADO ATUALIZADO ATUALIZADO FINAL
94 8 1 0.0000 251.71 44.01 196.48 0.00 23.76 4,739.15 179,553.81 4,223.19 175,330.62 175,330.62 1,753.31 177,083.93
95 9 1 0.0000 251.71 44.01 194.22 0.00 23.76 4,714.31 177,083.93 4,200.61 172,883.32 172,883.32 1,728.83 174,612.15
96 10 1 0.0000 251.71 44.01 191.96 0.00 23.76 4,689.47 174,612.15 4,178.03 170,434.12 170,434.12 1,704.34 172,138.46
97 11 1 0.0000 251.71 44.01 189.71 0.00 23.76 4,664.62 172,138.46 4,155.43 167,983.03 167,983.03 1,679.83 169,662.86
98 12 1 0.0000 251.71 44.01 187.45 0.00 23.76 4,639.78 169,662.86 4,132.85 165,530.01 165,530.01 1,655.30 167,185.31
99 1 2003 1 0.0000 251.71 44.01 185.19 0.00 23.76 4,614.94 167,185.31 4,110.27 163,075.04 163,075.04 1,630.75 164,705.79
100 2 1 0.0000 251.71 44.01 182.93 0.00 23.76 4,590.09 164,705.79 4,087.68 160,618.11 160,618.11 1,606.18 162,224.29
101 3 1 0.0000 251.71 44.01 180.67 0.00 23.76 4,565.25 162,224.29 4,065.10 158,159.19 158,159.19 1,581.59 159,740.78
102 4 1 0.0000 251.71 44.01 178.41 0.00 23.76 4,540.41 159,740.78 4,042.52 155,698.26 155,698.26 1,556.98 157,255.24
103 5 1 0.0000 251.71 44.01 176.15 0.00 23.76 4,515.57 157,255.24 4,019.94 153,235.30 153,235.30 1,532.35 154,767.65
104 6 1 0.0000 251.71 44.01 173.90 0.00 23.76 4,490.74 154,767.65 3,997.36 150,770.29 150,770.29 1,507.70 152,277.99
105 7 1 0.0000 251.71 44.01 171.64 0.00 23.76 4,465.90 152,277.99 3,974.78 148,303.21 148,303.21 1,483.03 149,786.24
106 8 1 0.0000 251.71 44.01 169.38 0.00 23.76 4,441.03 149,786.24 3,952.17 145,834.07 145,834.07 1,458.34 147,292.41
107 9 1 0.0000 251.71 44.01 167.12 0.00 23.76 4,416.19 147,292.41 3,929.59 143,362.82 143,362.82 1,433.63 144,796.45
108 10 1 0.0000 251.71 44.01 164.86 0.00 23.76 4,391.35 144,796.45 3,907.01 140,889.44 140,889.44 1,408.89 142,298.33
109 11 1 0.0000 251.71 44.01 162.60 0.00 23.76 4,366.51 142,298.33 3,884.43 138,413.90 138,413.90 1,384.14 139,798.04
110 12 1 0.0000 251.71 44.01 160.35 0.00 23.76 4,341.68 139,798.04 3,861.85 135,936.19 135,936.19 1,359.36 137,295.55
111 1 2004 1 0.0000 251.71 44.01 158.09 0.00 23.76 4,316.84 137,295.55 3,839.27 133,456.28 133,456.28 1,334.56 134,790.84
112 2 1 0.0000 251.71 44.01 155.83 0.00 23.76 4,291.99 134,790.84 3,816.68 130,974.16 130,974.16 1,309.74 132,283.90
113 3 1 0.0000 251.71 44.01 153.57 0.00 23.76 4,267.15 132,283.90 3,794.10 128,489.80 128,489.80 1,284.90 129,774.70
114 4 1 0.0000 251.71 44.01 151.31 0.00 23.76 4,242.31 129,774.70 3,771.52 126,003.18 126,003.18 1,260.03 127,263.21
115 5 1 0.0000 251.71 44.01 149.05 0.00 23.76 4,217.45 127,263.21 3,748.92 123,514.29 123,514.29 1,235.14 124,749.43
116 6 1 0.0000 251.71 44.01 146.80 0.00 23.76 4,192.62 124,749.43 3,726.34 121,023.09 121,023.09 1,210.23 122,233.32
117 7 1 0.0000 251.71 44.01 144.54 0.00 23.76 4,167.78 122,233.32 3,703.76 118,529.56 118,529.56 1,185.30 119,714.86
118 8 1 0.0000 251.71 44.01 142.28 0.00 23.76 4,142.93 119,714.86 3,681.17 116,033.69 116,033.69 1,160.34 117,194.03
119 9 1 0.0000 251.71 44.01 140.02 0.00 23.76 4,118.09 117,194.03 3,658.59 113,535.44 113,535.44 1,135.35 114,670.79
120 10 1 0.0000 251.71 44.01 137.76 0.00 23.76 4,093.25 114,670.79 3,636.01 111,034.78 111,034.78 1,110.35 112,145.13
121 11 1 0.0000 251.71 44.01 135.50 0.00 23.76 4,068.41 112,145.13 3,613.43 108,531.70 108,531.70 1,085.32 109,617.02
122 12 1 0.0000 251.71 44.01 133.25 0.00 23.76 4,043.58 109,617.02 3,590.85 106,026.17 106,026.17 1,060.26 107,086.43
123 1 2005 1 0.0000 251.71 44.01 130.99 0.00 23.76 4,018.74 107,086.43 3,568.27 103,518.16 103,518.16 1,035.18 104,553.34
124 2 1 0.0000 251.71 44.01 128.73 0.00 23.76 3,993.87 104,553.34 3,545.66 101,007.68 101,007.68 1,010.08 102,017.76
5 6 7 8 9 10 2 1 4
DIFERENÇA
ENTRE O
SALDO
ANTERIOR NOVO
DESATUALIZADO SALDO
E A ATUALIZADO
PRESTAÇÃO COM JUROS
LÍQUIDA JUROS -----------------
SALDO ----------------- SOBRE O SALDO
ANTERIOR PRESTAÇÃO NOVO SALDO NOVO SALDO NOVO SALDO DEVEDOR
DCV % ( 4 ) MPI DFI SC FCVS TS PMT DESATUALIZADO LÍQUIDA DESATUALIZADO ATUALIZADO ATUALIZADO FINAL
125 3 1 0.0000 251.71 44.01 126.47 0.00 23.76 3,969.03 102,017.76 3,523.08 98,494.68 98,494.68 984.95 99,479.63
126 4 1 0.0000 251.71 44.01 124.21 0.00 23.76 3,944.19 99,479.63 3,500.50 95,979.13 95,979.13 959.79 96,938.92
127 5 1 0.0000 251.71 44.01 121.95 0.00 23.76 3,919.35 96,938.92 3,477.92 93,461.00 93,461.00 934.61 94,395.61
128 6 1 0.0000 251.71 44.01 119.70 0.00 23.76 3,894.52 94,395.61 3,455.34 90,940.27 90,940.27 909.40 91,849.67
129 7 1 0.0000 251.71 44.01 117.44 0.00 23.76 3,869.68 91,849.67 3,432.76 88,416.91 88,416.91 884.17 89,301.08
130 8 1 0.0000 251.71 44.01 115.18 0.00 23.76 3,844.83 89,301.08 3,410.17 85,890.91 85,890.91 858.91 86,749.82
131 9 1 0.0000 251.71 44.01 112.92 0.00 23.76 3,819.99 86,749.82 3,387.59 83,362.23 83,362.23 833.62 84,195.85
132 10 1 0.0000 251.71 44.01 110.66 0.00 23.76 3,795.15 84,195.85 3,365.01 80,830.84 80,830.84 808.31 81,639.15
133 11 1 0.0000 251.71 44.01 108.40 0.00 23.76 3,770.29 81,639.15 3,342.41 78,296.74 78,296.74 782.97 79,079.71
134 12 1 0.0000 251.71 44.01 106.14 0.00 23.76 3,745.45 79,079.71 3,319.83 75,759.88 75,759.88 757.60 76,517.48
135 1 2006 1 0.0000 251.71 44.01 103.89 0.00 23.76 3,720.62 76,517.48 3,297.25 73,220.23 73,220.23 732.20 73,952.43
136 2 1 0.0000 251.71 44.01 101.63 0.00 23.76 3,695.77 73,952.43 3,274.66 70,677.77 70,677.77 706.78 71,384.55
137 3 1 0.0000 251.71 44.01 99.37 0.00 23.76 3,670.93 71,384.55 3,252.08 68,132.47 68,132.47 681.32 68,813.79
138 4 1 0.0000 251.71 44.01 97.11 0.00 23.76 3,646.09 68,813.79 3,229.50 65,584.29 65,584.29 655.84 66,240.13
139 5 1 0.0000 251.71 44.01 94.85 0.00 23.76 3,621.25 66,240.13 3,206.92 63,033.21 63,033.21 630.33 63,663.54
140 6 1 0.0000 251.71 44.01 92.59 0.00 23.76 3,596.41 63,663.54 3,184.34 60,479.20 60,479.20 604.79 61,083.99
141 7 1 0.0000 251.71 44.01 90.34 0.00 23.76 3,571.58 61,083.99 3,161.76 57,922.23 57,922.23 579.22 58,501.45
142 8 1 0.0000 251.71 44.01 88.08 0.00 23.76 3,546.71 58,501.45 3,139.15 55,362.30 55,362.30 553.62 55,915.92
143 9 1 0.0000 251.71 44.01 85.82 0.00 23.76 3,521.87 55,915.92 3,116.57 52,799.35 52,799.35 527.99 53,327.34
144 10 1 0.0000 251.71 44.01 83.56 0.00 23.76 3,497.03 53,327.34 3,093.99 50,233.35 50,233.35 502.33 50,735.68
145 11 1 0.0000 251.71 44.01 81.30 0.00 23.76 3,472.19 50,735.68 3,071.41 47,664.27 47,664.27 476.64 48,140.91
146 12 1 0.0000 251.71 44.01 79.04 0.00 23.76 3,447.35 48,140.91 3,048.83 45,092.08 45,092.08 450.92 45,543.00
147 1 2007 1 0.0000 251.71 44.01 76.79 0.00 23.76 3,422.52 45,543.00 3,026.25 42,516.75 42,516.75 425.17 42,941.92
148 2 1 0.0000 251.71 44.01 74.53 0.00 23.76 3,397.67 42,941.92 3,003.66 39,938.26 39,938.26 399.38 40,337.64
149 3 1 0.0000 251.71 44.01 72.27 0.00 23.76 3,372.83 40,337.64 2,981.08 37,356.56 37,356.56 373.57 37,730.13
150 4 1 0.0000 251.71 44.01 70.01 0.00 23.76 3,347.99 37,730.13 2,958.50 34,771.63 34,771.63 347.72 35,119.35
151 5 1 0.0000 251.71 44.01 67.75 0.00 23.76 3,323.15 35,119.35 2,935.92 32,183.43 32,183.43 321.83 32,505.26
152 6 1 0.0000 251.71 44.01 65.49 0.00 23.76 3,298.29 32,505.26 2,913.32 29,591.94 29,591.94 295.92 29,887.86
153 7 1 0.0000 251.71 44.01 63.24 0.00 23.76 3,273.46 29,887.86 2,890.74 26,997.12 26,997.12 269.97 27,267.09
154 8 1 0.0000 251.71 44.01 60.98 0.00 23.76 3,248.61 27,267.09 2,868.15 24,398.94 24,398.94 243.99 24,642.93
155 9 1 0.0000 251.71 44.01 58.72 0.00 23.76 3,223.77 24,642.93 2,845.57 21,797.36 21,797.36 217.97 22,015.33
5 6 7 8 9 10 2 1 4
DIFERENÇA
ENTRE O
SALDO
ANTERIOR NOVO
DESATUALIZADO SALDO
E A ATUALIZADO
PRESTAÇÃO COM JUROS
LÍQUIDA JUROS -----------------
SALDO ----------------- SOBRE O SALDO
ANTERIOR PRESTAÇÃO NOVO SALDO NOVO SALDO NOVO SALDO DEVEDOR
DCV % ( 4 ) MPI DFI SC FCVS TS PMT DESATUALIZADO LÍQUIDA DESATUALIZADO ATUALIZADO ATUALIZADO FINAL
156 10 1 0.0000 251.71 44.01 56.46 0.00 23.76 3,198.93 22,015.33 2,822.99 19,192.34 19,192.34 191.92 19,384.26
157 11 1 0.0000 251.71 44.01 54.20 0.00 23.76 3,174.09 19,384.26 2,800.41 16,583.85 16,583.85 165.84 16,749.69
158 12 1 0.0000 251.71 44.01 51.94 0.00 23.76 3,149.25 16,749.69 2,777.83 13,971.86 13,971.86 139.72 14,111.58
159 1 2008 1 0.0000 251.71 44.01 49.69 0.00 23.76 3,124.42 14,111.58 2,755.25 11,356.33 11,356.33 113.56 11,469.89
160 2 1 0.0000 251.71 44.01 47.43 0.00 23.76 3,099.57 11,469.89 2,732.66 8,737.23 8,737.23 87.37 8,824.60
161 3 1 0.0000 251.71 44.01 45.17 0.00 23.76 3,074.71 8,824.60 2,710.06 6,114.54 6,114.54 61.15 6,175.69
162 4 1 0.0000 251.71 44.01 42.91 0.00 23.76 3,049.87 6,175.69 2,687.48 3,488.21 3,488.21 34.88 3,523.09
163 5 1 0.0000 251.71 44.01 40.65 0.00 23.76 3,025.03 3,523.09 2,664.90 858.19 858.19 8.58 866.77
164 6 1 0.0000 251.71 44.01 38.39 0.00 23.76 3,000.19 866.77 2,642.32 -1,775.55 -1,775.55 -17.76 -1,793.31
165 7 1 0.0000 251.71 44.01 36.13 0.00 23.76 2,975.35 -1,793.31 2,619.74 -4,413.05 -4,413.05 -44.13 -4,457.18
166 8 1 0.0000 251.71 44.01 33.88 0.00 23.76 2,950.51 -4,457.18 2,597.15 -7,054.33 -7,054.33 -70.54 -7,124.87
167 9 1 0.0000 251.71 44.01 31.62 0.00 23.76 2,925.67 -7,124.87 2,574.57 -9,699.44 -9,699.44 -96.99 -9,796.43
168 10 1 0.0000 251.71 44.01 29.36 0.00 23.76 2,900.83 -9,796.43 2,551.99 -12,348.42 -12,348.42 -123.48 -12,471.90
169 11 1 0.0000 251.71 44.01 27.10 0.00 23.76 2,875.99 -12,471.90 2,529.41 -15,001.31 -15,001.31 -150.01 -15,151.32
170 12 1 0.0000 251.71 44.01 24.84 0.00 23.76 2,851.13 -15,151.32 2,506.81 -17,658.13 -17,658.13 -176.58 -17,834.71
171 1 2009 1 0.0000 251.71 44.01 22.58 0.00 23.76 2,826.28 -17,834.71 2,484.22 -20,318.93 -20,318.93 -203.19 -20,522.12
172 2 1 0.0000 251.71 44.01 20.33 0.00 23.76 2,801.45 -20,522.12 2,461.64 -22,983.76 -22,983.76 -229.84 -23,213.60
173 3 1 0.0000 251.71 44.01 18.07 0.00 23.76 2,776.61 -23,213.60 2,439.06 -25,652.66 -25,652.66 -256.53 -25,909.19
174 4 1 0.0000 251.71 44.01 15.81 0.00 23.76 2,751.77 -25,909.19 2,416.48 -28,325.67 -28,325.67 -283.26 -28,608.93
175 5 1 0.0000 251.71 44.01 13.55 0.00 23.76 2,726.93 -28,608.93 2,393.90 -31,002.83 -31,002.83 -310.03 -31,312.86
176 6 1 0.0000 251.71 44.01 11.29 0.00 23.76 2,702.09 -31,312.86 2,371.32 -33,684.18 -33,684.18 -336.84 -34,021.02
177 7 1 0.0000 251.71 44.01 9.03 0.00 23.76 2,677.25 -34,021.02 2,348.74 -36,369.76 -36,369.76 -363.70 -36,733.46
178 8 1 0.0000 251.71 44.01 6.78 0.00 23.76 2,652.41 -36,733.46 2,326.15 -39,059.61 -39,059.61 -390.60 -39,450.21
179 9 1 0.0000 251.71 44.01 4.52 0.00 23.76 2,627.55 -39,450.21 2,303.55 -41,753.76 -41,753.76 -417.54 -42,171.30
180 10 1 0.0000 251.71 44.01 2.26 0.00 23.76 2,602.71 -42,171.30 2,280.97 -44,452.27 -44,452.27 -444.52 -44,896.79
181
182
183
184
185
186
5 6 7 8 9 10 2 1 4
DIFERENÇA
ENTRE O
SALDO
ANTERIOR NOVO
DESATUALIZADO SALDO
E A ATUALIZADO
PRESTAÇÃO COM JUROS
LÍQUIDA JUROS -----------------
SALDO ----------------- SOBRE O SALDO
ANTERIOR PRESTAÇÃO NOVO SALDO NOVO SALDO NOVO SALDO DEVEDOR
DCV % ( 4 ) MPI DFI SC FCVS TS PMT DESATUALIZADO LÍQUIDA DESATUALIZADO ATUALIZADO ATUALIZADO FINAL
187
188
189
190
191
192
193
194
195
196
197
198
199
200
201
202
203
204
205
206
207
208
209
210
211
212
213
214
215
216
217
5 6 7 8 9 10 2 1 4
DIFERENÇA
ENTRE O
SALDO
ANTERIOR NOVO
DESATUALIZADO SALDO
E A ATUALIZADO
PRESTAÇÃO COM JUROS
LÍQUIDA JUROS -----------------
SALDO ----------------- SOBRE O SALDO
ANTERIOR PRESTAÇÃO NOVO SALDO NOVO SALDO NOVO SALDO DEVEDOR
DCV % ( 4 ) MPI DFI SC FCVS TS PMT DESATUALIZADO LÍQUIDA DESATUALIZADO ATUALIZADO ATUALIZADO FINAL
218
219
220
221
222
223
224
225
226
227
228
229
230
231
232
233
234
235
236
237
238
239
240
241
242
243
244
245
246
247
248
5 6 7 8 9 10 2 1 4
DIFERENÇA
ENTRE O
SALDO
ANTERIOR NOVO
DESATUALIZADO SALDO
E A ATUALIZADO
PRESTAÇÃO COM JUROS
LÍQUIDA JUROS -----------------
SALDO ----------------- SOBRE O SALDO
ANTERIOR PRESTAÇÃO NOVO SALDO NOVO SALDO NOVO SALDO DEVEDOR
DCV % ( 4 ) MPI DFI SC FCVS TS PMT DESATUALIZADO LÍQUIDA DESATUALIZADO ATUALIZADO ATUALIZADO FINAL
249
250
251
252
253
254
255
256
257
258
259
260
261
262
263
264
265
266
267
268
269
270
271
272
273
274
275
276
277
278
279
5 6 7 8 9 10 2 1 4
DIFERENÇA
ENTRE O
SALDO
ANTERIOR NOVO
DESATUALIZADO SALDO
E A ATUALIZADO
PRESTAÇÃO COM JUROS
LÍQUIDA JUROS -----------------
SALDO ----------------- SOBRE O SALDO
ANTERIOR PRESTAÇÃO NOVO SALDO NOVO SALDO NOVO SALDO DEVEDOR
DCV % ( 4 ) MPI DFI SC FCVS TS PMT DESATUALIZADO LÍQUIDA DESATUALIZADO ATUALIZADO ATUALIZADO FINAL
280
281
282
283
284
285
286
287
288
289
290
291
292
293
294
295
296
297
298
299
300
301
302
303
304
305
306
307
308
309
310
5 6 7 8 9 10 2 1 4
DIFERENÇA
ENTRE O
SALDO
ANTERIOR NOVO
DESATUALIZADO SALDO
E A ATUALIZADO
PRESTAÇÃO COM JUROS
LÍQUIDA JUROS -----------------
SALDO ----------------- SOBRE O SALDO
ANTERIOR PRESTAÇÃO NOVO SALDO NOVO SALDO NOVO SALDO DEVEDOR
DCV % ( 4 ) MPI DFI SC FCVS TS PMT DESATUALIZADO LÍQUIDA DESATUALIZADO ATUALIZADO ATUALIZADO FINAL
311
312
313
314
315
316
317
318
319
320
321
322
323
324
325
326
327
328
329
330
331
332
333
334
335
336
337
338
339
340
341
5 6 7 8 9 10 2 1 4
DIFERENÇA
ENTRE O
SALDO
ANTERIOR NOVO
DESATUALIZADO SALDO
E A ATUALIZADO
PRESTAÇÃO COM JUROS
LÍQUIDA JUROS -----------------
SALDO ----------------- SOBRE O SALDO
ANTERIOR PRESTAÇÃO NOVO SALDO NOVO SALDO NOVO SALDO DEVEDOR
DCV % ( 4 ) MPI DFI SC FCVS TS PMT DESATUALIZADO LÍQUIDA DESATUALIZADO ATUALIZADO ATUALIZADO FINAL
342
343
344
345
346
347
348
349
350
351
352
353
354
355
356
357
358
359
360
Totalização ( 1ª. Interpretação )
Soma das Prestações Líquidas 694,226.18
+ Valor Residual na última linha do Quadro de Amortização -44,896.79
Total a Prazo Líquido 649,329.39
Total a Prazo Líquido 649,329.39
- Valor Financiado 200,000.00
Acréscimo Total Líquido 449,329.39
Soma das Prestações Líquidas 694,226.18
+ Soma dos pagamentos de Seguro de Morte ou Permanente Invalidez 41,848.99
+ Soma dos pagamentos de Seguro de Danos Físicos do Imóvel 7,316.54
+ Soma dos pagamentos de Seguro de Crédito 31,875.06
+ Soma dos pagamentos para o Fundo de Compensação de Variações Salariais 0.00
+ Soma das Taxas de Serviço ou Taxas de Administração 3,950.12
Soma das Prestações Mensais Totais 779,216.89
Soma das Prestações Mensais Totais 779,216.89
+ Valor Residual na última linha do Quadro de Amortização -44,896.79
Total a Prazo 734,320.10
Total a Prazo 734,320.10
- Valor Financiado 200,000.00
Acréscimo Total 534,320.10
LEIA A OBSERVAÇÃO LOGO ABAIXO
NOTA-SE QUE O SALDO DEVEDOR ESTÁ NEGATIVO NA ÚLTIMA LINHA DO QUADRO DE AMORTIZA-
ÇÃO. AINDA PERCEBE-SE NESTE CASO QUE O MESMO JÁ VINHA NEGATIVO. POR CAUSA DISSO DE-
VE-SE RESSALTAR QUE O PROCEDIMENTO DE CÁLCULO DOS VALORES DO QUADRO DE AMORTIZA-
ÇÃO PERMANECEU IDÊNTICO DURANTE TODA A SUA ELABORAÇÃO ( ISTO INCLUE TAMBÉM O CÁL-
CULO DOS JUROS MENSAIS SOBRE OS SALDOS DEVEDORES NEGATIVOS ).
=> 2ª. INTERPRETAÇÃO :
COLOCA-SE OS JUROS DO MÊS NO SALDO.
ATENÇÃO :
=> EM TODAS AS SEÇÕES DE TODAS AS PLANILHAS, TODO SALDO DEVEDOR NEGATIVO NÃO
CORRESPONDE AO VALOR EXCEDENTE A SER DEVOLVIDO . OS JUROS FORAM APLICADOS
MESMO APÓS A MUDANÇA DE SINAL . O OBJETIVO É MANTER O CRITÉRIO DE CÁLCULO EM
TODAS AS LINHAS DE TODOS OS TIPOS DIFERENTES DE QUADROS PARA NÃO CAUSAR
CONFUSÃO AO USUÁRIO .
DESTA FORMA, PARA A RÁPIDA DETERMINAÇÃO DO VALOR ( APENAS CORRIGIDO ) A SER
PRESTAÇÕES PAGAS EM EXCESSO DE ACORDO COM O CÁLCULO . INCLUSIVE CONSIDERANDO
O PRIMEIRO SALDO NEGATIVO COMO O VALOR INICIAL A SER ATUALIZADO ( ALTERADO DEPOIS
DA CÓPIA PARA POSITIVO NA SEÇÃO ) . ESTE VALOR DEVE ESTAR SITUADO NO MÊS
ANTERIOR AO DA PRIMEIRA PRESTAÇÃO PAGA EM EXCESSO ( DA RELAÇÃO DE PRESTAÇÕES
Quadro de Evolução do Saldo Devedor baseado na
LEI 4.380/64 art. 6º. alínea "c" => 2ª. INTERPRETAÇÃO
DEPOIS DE CORRIGIR O SALDO DEVEDOR, RETIRA-SE O VALOR DA PRESTAÇÃO CORRIGIDA E DEPOIS
Característica:
PMT : Introduzida pelo usuário.
Saldo : Corrigido pelo campo % ( 4 ) .
MPI : Introduzido pelo usuário.
DFI : Introduzido pelo usuário.
SC : Introduzido pelo usuário.
FCVS : Introduzido pelo usuário.
TS : Introduzida pelo usuário.
Legenda:
DCV : Divisor de Conversão de Valor ( moeda )
1 - Juros
2 - Prestação Líquida ( para diminuição do saldo )
4 - Saldo Devedor
5 - Seguro de Morte ou Permanente Invalidez ( MPI )
6 - Seguro de Danos Físicos do Imóvel ( DFI )
7 - Seguro de Crédito ( SC )
8 - Fundo de Compensação de Variações Salariais ( FCVS )
9 - Taxa de Serviço ou Taxa de Administração ( TS )
10 - Prestação Mensal Total ( PMT )
DEVOLVIDO, DEVE-SE COPIAR PARA A SEÇÃO DEVOLUÇÃO TODAS OS VALORES DAS
PAGAS A PARTIR DO MÊS SEGUINTE AO PRIMEIRO SALDO NEGATIVO PROVENIENTES DO MESMO
FINALMENTE, BASTANDO APENAS COPIAR ( E SE PRECISO ACRESCENTAR ) AS VARIAÇÕES
PERCENTUAIS DE CORREÇÃO MONETÁRIA DO QUADRO DE ORIGEM .
1 Dados iniciais.
12% por 360 dias é equivalente a 0,948879% por 30 dias
12% por 360 dias é proporcional a 1% por 30 dias
1.000000% Taxa de Juros por 30 dias
200,000.00
180 Quantidade de Prestações
11
1994
2 Posição mês a mês do financiamento.
Não imprima diretamente esta seção, proceda da seguinte forma:
Selecione "arrastando" com o mouse a área que deseja imprimir, depois pressione as
* CONSIDERA-SE A PRESTAÇÃO LÍQUIDA SEMPRE ATUALIZADA, MESMO QUE CORRIGIDA PELA ÚLTIMA VEZ A VÁRIOS MESES ATRÁS ( EXEMPLO - PES ).
5 6 7 8 9 10 2 1 4
DIFERENÇA
ENTRE O
SALDO
ANTERIOR NOVO
ATUALIZADO SALDO
E A ATUALIZADO
PRESTAÇÃO COM JUROS
LÍQUIDA JUROS -----------------
SALDO SALDO ----------------- SOBRE O SALDO
ANTERIOR ANTERIOR PRESTAÇÃO NOVO SALDO NOVO SALDO DEVEDOR
DCV % ( 4 ) MPI DFI SC FCVS TS PMT DESATUALIZADO ATUALIZADO LÍQUIDA ATUALIZADO ATUALIZADO FINAL
1 11 1994 1 2.5551 127.00 22.20 205.11 0.00 12.00 3,556.91 200,000.00 205,110.20 3,190.60 201,919.60 2,019.20 203,938.80
2 12 1 2.9210 130.71 22.85 209.93 0.00 12.35 3,647.91 203,938.80 209,895.85 3,272.07 206,623.78 2,066.24 208,690.02
3 1 1995 1 2.8731 134.47 23.51 214.75 0.00 12.70 3,739.45 208,690.02 214,685.89 3,354.02 211,331.87 2,113.32 213,445.19
4 2 1 2.1013 137.30 24.00 218.03 0.00 12.97 3,804.48 213,445.19 217,930.31 3,412.18 214,518.13 2,145.18 216,663.31
5 3 1 1.8531 139.84 24.44 220.82 0.00 13.21 3,861.18 216,663.31 220,678.30 3,462.87 217,215.43 2,172.15 219,387.58
6 4 1 2.2998 143.06 25.00 224.62 0.00 13.51 3,935.85 219,387.58 224,433.06 3,529.66 220,903.40 2,209.03 223,112.43
7 5 1 3.4667 148.02 25.87 231.07 0.00 13.98 4,057.68 223,112.43 230,847.07 3,638.74 227,208.33 2,272.08 229,480.41
8 6 1 3.2471 152.83 26.71 237.21 0.00 14.43 4,174.37 229,480.41 236,931.87 3,743.19 233,188.68 2,331.89 235,520.57
9 7 1 2.8863 157.24 27.48 242.64 0.00 14.85 4,279.33 235,520.57 242,318.40 3,837.12 238,481.28 2,384.81 240,866.09
QUADRO DE ORIGEM COPIADAS PARA A SEÇÃO DEVOLUÇÃO ) .
valor Financiado
Número do mês ( 1ª. linha do Quadro de Amortiz. )
Ano ( 1ª. linha do Quadro de Amortização )
teclas Ctrl + P e no ítem Imprimir clique em Seleção.
5 6 7 8 9 10 2 1 4
DIFERENÇA
ENTRE O
SALDO
ANTERIOR NOVO
ATUALIZADO SALDO
E A ATUALIZADO
PRESTAÇÃO COM JUROS
LÍQUIDA JUROS -----------------
SALDO SALDO ----------------- SOBRE O SALDO
ANTERIOR ANTERIOR PRESTAÇÃO NOVO SALDO NOVO SALDO DEVEDOR
DCV % ( 4 ) MPI DFI SC FCVS TS PMT DESATUALIZADO ATUALIZADO LÍQUIDA ATUALIZADO ATUALIZADO FINAL
10 8 1 2.9905 161.94 28.30 248.44 0.00 15.29 4,391.31 240,866.09 248,069.19 3,937.34 244,131.85 2,441.32 246,573.17
11 9 1 2.6045 166.16 29.04 253.43 0.00 15.69 4,489.30 246,573.17 252,995.17 4,024.98 248,970.19 2,489.70 251,459.89
12 10 1 1.9393 169.38 29.60 256.82 0.00 15.99 4,559.64 251,459.89 256,336.45 4,087.85 252,248.60 2,522.49 254,771.09
13 11 1 1.6540 172.18 30.09 259.52 0.00 16.25 4,618.05 254,771.09 258,985.00 4,140.01 254,844.99 2,548.45 257,393.44
14 12 1 1.4387 174.66 30.52 261.69 0.00 16.48 4,667.26 257,393.44 261,096.56 4,183.91 256,912.65 2,569.13 259,481.78
15 1 1996 1 1.3400 177.00 30.93 263.61 0.00 16.70 4,712.32 259,481.78 262,958.84 4,224.08 258,734.76 2,587.35 261,322.11
16 2 1 1.2526 179.22 31.32 265.30 0.00 16.91 4,753.66 261,322.11 264,595.43 4,260.91 260,334.52 2,603.35 262,937.87
17 3 1 0.9625 180.94 31.62 266.23 0.00 17.07 4,781.55 262,937.87 265,468.65 4,285.69 261,182.96 2,611.83 263,794.79
18 4 1 0.8139 182.41 31.88 266.76 0.00 17.21 4,802.47 263,794.79 265,941.82 4,304.21 261,637.61 2,616.38 264,253.99
19 5 1 0.6597 183.61 32.09 266.88 0.00 17.32 4,816.03 264,253.99 265,997.27 4,316.13 261,681.14 2,616.81 264,297.95
20 6 1 0.5888 184.69 32.28 266.79 0.00 17.42 4,826.16 264,297.95 265,854.14 4,324.98 261,529.16 2,615.29 264,144.45
21 7 1 0.6099 185.82 32.48 266.75 0.00 17.53 4,837.26 264,144.45 265,755.47 4,334.68 261,420.79 2,614.21 264,035.00
22 8 1 0.5851 186.91 32.67 266.63 0.00 17.63 4,847.12 264,035.00 265,579.87 4,343.28 261,236.59 2,612.37 263,848.96
23 9 1 0.6275 188.08 32.88 266.62 0.00 17.74 4,858.98 263,848.96 265,504.61 4,353.66 261,150.95 2,611.51 263,762.46
24 10 1 0.6620 189.33 33.10 266.69 0.00 17.86 4,872.46 263,762.46 265,508.57 4,365.48 261,143.09 2,611.43 263,754.52
25 11 1 0.7419 190.73 33.35 266.95 0.00 17.99 4,889.78 263,754.52 265,711.31 4,380.76 261,330.55 2,613.31 263,943.86
26 12 1 0.8146 192.28 33.62 267.40 0.00 18.14 4,910.63 263,943.86 266,093.95 4,399.19 261,694.76 2,616.95 264,311.71
27 1 1997 1 0.8717 193.96 33.91 267.99 0.00 18.30 4,934.30 264,311.71 266,615.72 4,420.14 262,195.58 2,621.96 264,817.54
28 2 1 0.7440 195.40 34.16 268.23 0.00 18.44 4,951.73 264,817.54 266,787.78 4,435.50 262,352.28 2,623.52 264,975.80
29 3 1 0.6616 196.69 34.39 268.24 0.00 18.56 4,965.08 264,975.80 266,728.88 4,447.20 262,281.68 2,622.82 264,904.50
30 4 1 0.6316 197.93 34.61 268.16 0.00 18.68 4,976.91 264,904.50 266,577.64 4,457.53 262,120.11 2,621.20 264,741.31
31 5 1 0.6211 199.16 34.82 268.04 0.00 18.80 4,988.16 264,741.31 266,385.62 4,467.34 261,918.28 2,619.18 264,537.46
32 6 1 0.6354 200.43 35.04 267.95 0.00 18.92 5,000.09 264,537.46 266,218.33 4,477.75 261,740.58 2,617.41 264,357.99
33 7 1 0.6535 201.74 35.27 267.89 0.00 19.04 5,012.84 264,357.99 266,085.57 4,488.90 261,596.67 2,615.97 264,212.64
34 8 1 0.6580 203.07 35.50 267.83 0.00 19.17 5,025.79 264,212.64 265,951.16 4,500.22 261,450.94 2,614.51 264,065.45
35 9 1 0.6270 204.34 35.72 267.67 0.00 19.29 5,037.12 264,065.45 265,721.14 4,510.10 261,211.04 2,612.11 263,823.15
36 10 1 0.6474 205.66 35.95 267.56 0.00 19.41 5,049.43 263,823.15 265,531.14 4,520.85 261,010.29 2,610.10 263,620.39
37 11 1 0.6553 207.01 36.19 267.46 0.00 19.54 5,062.10 263,620.39 265,347.89 4,531.90 260,815.99 2,608.16 263,424.15
38 12 1 1.5334 210.18 36.74 269.67 0.00 19.84 5,118.97 263,424.15 267,463.50 4,582.54 262,880.96 2,628.81 265,509.77
39 1 1998 1 1.3085 212.93 37.22 271.29 0.00 20.10 5,164.94 265,509.77 268,983.97 4,623.40 264,360.57 2,643.61 267,004.18
40 2 1 1.1459 215.37 37.65 272.47 0.00 20.33 5,202.87 267,004.18 270,063.78 4,657.05 265,406.73 2,654.07 268,060.80
5 6 7 8 9 10 2 1 4
DIFERENÇA
ENTRE O
SALDO
ANTERIOR NOVO
ATUALIZADO SALDO
E A ATUALIZADO
PRESTAÇÃO COM JUROS
LÍQUIDA JUROS -----------------
SALDO SALDO ----------------- SOBRE O SALDO
ANTERIOR ANTERIOR PRESTAÇÃO NOVO SALDO NOVO SALDO DEVEDOR
DCV % ( 4 ) MPI DFI SC FCVS TS PMT DESATUALIZADO ATUALIZADO LÍQUIDA ATUALIZADO ATUALIZADO FINAL
41 3 1 0.4461 216.33 37.82 271.74 0.00 20.42 5,204.73 268,060.80 269,256.62 4,658.42 264,598.20 2,645.98 267,244.18
42 4 1 0.8995 218.28 38.16 272.23 0.00 20.60 5,229.99 267,244.18 269,648.04 4,680.72 264,967.32 2,649.67 267,616.99
43 5 1 0.4720 219.31 38.34 271.54 0.00 20.70 5,233.03 267,616.99 268,880.14 4,683.14 264,197.00 2,641.97 266,838.97
44 6 1 0.4543 220.31 38.51 270.80 0.00 20.79 5,235.06 266,838.97 268,051.22 4,684.65 263,366.57 2,633.67 266,000.24
45 7 1 0.4913 221.39 38.70 270.15 0.00 20.89 5,238.94 266,000.24 267,307.10 4,687.81 262,619.29 2,626.19 265,245.48
46 8 1 0.5503 222.61 38.91 269.63 0.00 21.00 5,245.78 265,245.48 266,705.13 4,693.63 262,011.50 2,620.12 264,631.62
47 9 1 0.3749 223.44 39.06 268.64 0.00 21.08 5,243.40 264,631.62 265,623.72 4,691.18 260,932.54 2,609.33 263,541.87
48 10 1 0.4512 224.45 39.24 267.84 0.00 21.18 5,244.92 263,541.87 264,730.97 4,692.21 260,038.76 2,600.39 262,639.15
49 11 1 0.8892 226.45 39.59 268.19 0.00 21.37 5,269.22 262,639.15 264,974.54 4,713.62 260,260.92 2,602.61 262,863.53
50 12 1 0.6136 227.84 39.83 267.79 0.00 21.50 5,279.06 262,863.53 264,476.46 4,722.10 259,754.36 2,597.54 262,351.90
51 1 1999 1 0.7434 229.53 40.13 267.72 0.00 21.66 5,295.66 262,351.90 264,302.22 4,736.62 259,565.60 2,595.66 262,161.26
52 2 1 0.5163 230.72 40.34 267.03 0.00 21.77 5,300.21 262,161.26 263,514.80 4,740.35 258,774.45 2,587.74 261,362.19
53 3 1 0.8298 232.63 40.67 267.16 0.00 21.95 5,321.23 261,362.19 263,530.97 4,758.82 258,772.15 2,587.72 261,359.87
54 4 1 1.1614 235.33 41.14 268.15 0.00 22.20 5,359.80 261,359.87 264,395.30 4,792.98 259,602.32 2,596.02 262,198.34
55 5 1 0.6092 236.76 41.39 267.66 0.00 22.34 5,369.08 262,198.34 263,795.65 4,800.93 258,994.72 2,589.95 261,584.67
56 6 1 0.5761 238.12 41.63 267.07 0.00 22.47 5,376.52 261,584.67 263,091.66 4,807.23 258,284.43 2,582.84 260,867.27
57 7 1 0.3108 238.86 41.76 265.76 0.00 22.54 5,369.66 260,867.27 261,678.05 4,800.74 256,877.31 2,568.77 259,446.08
58 8 1 0.2933 239.56 41.88 264.39 0.00 22.61 5,361.77 259,446.08 260,207.04 4,793.33 255,413.71 2,554.14 257,967.85
59 9 1 0.2945 240.27 42.00 263.01 0.00 22.68 5,353.85 257,967.85 258,727.57 4,785.89 253,941.68 2,539.42 256,481.10
60 10 1 0.2715 240.92 42.11 261.56 0.00 22.74 5,344.60 256,481.10 257,177.45 4,777.27 252,400.18 2,524.00 254,924.18
61 11 1 0.2265 241.47 42.21 259.99 0.00 22.79 5,332.87 254,924.18 255,501.58 4,766.41 250,735.17 2,507.35 253,242.52
62 12 1 0.1998 241.95 42.29 258.34 0.00 22.84 5,319.64 253,242.52 253,748.50 4,754.22 248,994.28 2,489.94 251,484.22
63 1 2000 1 0.2998 242.68 42.42 256.93 0.00 22.91 5,311.64 251,484.22 252,238.17 4,746.70 247,491.47 2,474.91 249,966.38
64 2 1 0.2149 243.20 42.51 255.30 0.00 22.96 5,299.06 249,966.38 250,503.56 4,735.09 245,768.47 2,457.68 248,226.15
65 3 1 0.2328 243.77 42.61 253.71 0.00 23.01 5,287.34 248,226.15 248,804.02 4,724.24 244,079.78 2,440.80 246,520.58
66 4 1 0.2242 244.32 42.71 252.09 0.00 23.06 5,275.09 246,520.58 247,073.28 4,712.91 242,360.37 2,423.60 244,783.97
67 5 1 0.1301 244.64 42.77 250.22 0.00 23.09 5,257.82 244,783.97 245,102.43 4,697.10 240,405.33 2,404.05 242,809.38
68 6 1 0.2492 245.25 42.88 248.64 0.00 23.15 5,246.72 242,809.38 243,414.46 4,686.80 238,727.66 2,387.28 241,114.94
69 7 1 0.2140 245.77 42.97 246.97 0.00 23.20 5,233.69 241,114.94 241,630.93 4,674.78 236,956.15 2,369.56 239,325.71
70 8 1 0.1547 246.15 43.04 245.14 0.00 23.24 5,217.48 239,325.71 239,695.95 4,659.91 235,036.04 2,350.36 237,386.40
71 9 1 0.2025 246.65 43.13 243.43 0.00 23.29 5,203.72 237,386.40 237,867.11 4,647.22 233,219.89 2,332.20 235,552.09
5 6 7 8 9 10 2 1 4
DIFERENÇA
ENTRE O
SALDO
ANTERIOR NOVO
ATUALIZADO SALDO
E A ATUALIZADO
PRESTAÇÃO COM JUROS
LÍQUIDA JUROS -----------------
SALDO SALDO ----------------- SOBRE O SALDO
ANTERIOR ANTERIOR PRESTAÇÃO NOVO SALDO NOVO SALDO DEVEDOR
DCV % ( 4 ) MPI DFI SC FCVS TS PMT DESATUALIZADO ATUALIZADO LÍQUIDA ATUALIZADO ATUALIZADO FINAL
72 10 1 0.1038 246.91 43.17 241.46 0.00 23.31 5,184.74 235,552.09 235,796.59 4,629.89 231,166.70 2,311.67 233,478.37
73 11 1 0.1316 247.23 43.23 239.56 0.00 23.34 5,167.17 233,478.37 233,785.63 4,613.81 229,171.82 2,291.72 231,463.54
74 12 1 0.1197 247.53 43.28 237.63 0.00 23.37 5,148.93 231,463.54 231,740.60 4,597.12 227,143.48 2,271.43 229,414.91
75 1 2001 1 0.0991 247.78 43.32 235.64 0.00 23.39 5,129.58 229,414.91 229,642.26 4,579.45 225,062.81 2,250.63 227,313.44
76 2 1 0.1369 248.12 43.38 233.74 0.00 23.42 5,112.12 227,313.44 227,624.63 4,563.46 223,061.17 2,230.61 225,291.78
77 3 1 0.0368 248.21 43.40 231.60 0.00 23.43 5,089.52 225,291.78 225,374.69 4,542.88 220,831.81 2,208.32 223,040.13
78 4 1 0.1724 248.64 43.47 229.77 0.00 23.47 5,073.75 223,040.13 223,424.65 4,528.40 218,896.25 2,188.96 221,085.21
79 5 1 0.1546 249.02 43.54 227.89 0.00 23.51 5,057.00 221,085.21 221,427.01 4,513.04 216,913.97 2,169.14 219,083.11
80 6 1 0.1827 249.47 43.62 226.07 0.00 23.55 5,041.62 219,083.11 219,483.37 4,498.91 214,984.46 2,149.84 217,134.30
81 7 1 0.1458 249.83 43.68 224.15 0.00 23.58 5,024.29 217,134.30 217,450.88 4,483.05 212,967.83 2,129.68 215,097.51
82 8 1 0.2441 250.44 43.79 222.45 0.00 23.64 5,011.85 215,097.51 215,622.56 4,471.53 211,151.03 2,111.51 213,262.54
83 9 1 0.3436 251.30 43.94 220.96 0.00 23.72 5,004.27 213,262.54 213,995.31 4,464.35 209,530.96 2,095.31 211,626.27
84 10 1 0.1627 251.71 44.01 219.06 0.00 23.76 4,987.57 211,626.27 211,970.59 4,449.03 207,521.56 2,075.22 209,596.78
85 11 1 0.0000 251.71 44.01 216.81 0.00 23.76 4,962.74 209,596.78 209,596.78 4,426.45 205,170.33 2,051.70 207,222.03
86 12 1 0.0000 251.71 44.01 214.55 0.00 23.76 4,937.90 207,222.03 207,222.03 4,403.87 202,818.16 2,028.18 204,846.34
87 1 2002 1 0.0000 251.71 44.01 212.29 0.00 23.76 4,913.06 204,846.34 204,846.34 4,381.29 200,465.05 2,004.65 202,469.70
88 2 1 0.0000 251.71 44.01 210.03 0.00 23.76 4,888.19 202,469.70 202,469.70 4,358.68 198,111.02 1,981.11 200,092.13
89 3 1 0.0000 251.71 44.01 207.77 0.00 23.76 4,863.35 200,092.13 200,092.13 4,336.10 195,756.03 1,957.56 197,713.59
90 4 1 0.0000 251.71 44.01 205.51 0.00 23.76 4,838.51 197,713.59 197,713.59 4,313.52 193,400.07 1,934.00 195,334.07
91 5 1 0.0000 251.71 44.01 203.26 0.00 23.76 4,813.68 195,334.07 195,334.07 4,290.94 191,043.13 1,910.43 192,953.56
92 6 1 0.0000 251.71 44.01 201.00 0.00 23.76 4,788.84 192,953.56 192,953.56 4,268.36 188,685.20 1,886.85 190,572.05
93 7 1 0.0000 251.71 44.01 198.74 0.00 23.76 4,764.00 190,572.05 190,572.05 4,245.78 186,326.27 1,863.26 188,189.53
94 8 1 0.0000 251.71 44.01 196.48 0.00 23.76 4,739.15 188,189.53 188,189.53 4,223.19 183,966.34 1,839.66 185,806.00
95 9 1 0.0000 251.71 44.01 194.22 0.00 23.76 4,714.31 185,806.00 185,806.00 4,200.61 181,605.39 1,816.05 183,421.44
96 10 1 0.0000 251.71 44.01 191.96 0.00 23.76 4,689.47 183,421.44 183,421.44 4,178.03 179,243.41 1,792.43 181,035.84
97 11 1 0.0000 251.71 44.01 189.71 0.00 23.76 4,664.62 181,035.84 181,035.84 4,155.43 176,880.41 1,768.80 178,649.21
98 12 1 0.0000 251.71 44.01 187.45 0.00 23.76 4,639.78 178,649.21 178,649.21 4,132.85 174,516.36 1,745.16 176,261.52
99 1 2003 1 0.0000 251.71 44.01 185.19 0.00 23.76 4,614.94 176,261.52 176,261.52 4,110.27 172,151.25 1,721.51 173,872.76
100 2 1 0.0000 251.71 44.01 182.93 0.00 23.76 4,590.09 173,872.76 173,872.76 4,087.68 169,785.08 1,697.85 171,482.93
101 3 1 0.0000 251.71 44.01 180.67 0.00 23.76 4,565.25 171,482.93 171,482.93 4,065.10 167,417.83 1,674.18 169,092.01
102 4 1 0.0000 251.71 44.01 178.41 0.00 23.76 4,540.41 169,092.01 169,092.01 4,042.52 165,049.49 1,650.49 166,699.98
5 6 7 8 9 10 2 1 4
DIFERENÇA
ENTRE O
SALDO
ANTERIOR NOVO
ATUALIZADO SALDO
E A ATUALIZADO
PRESTAÇÃO COM JUROS
LÍQUIDA JUROS -----------------
SALDO SALDO ----------------- SOBRE O SALDO
ANTERIOR ANTERIOR PRESTAÇÃO NOVO SALDO NOVO SALDO DEVEDOR
DCV % ( 4 ) MPI DFI SC FCVS TS PMT DESATUALIZADO ATUALIZADO LÍQUIDA ATUALIZADO ATUALIZADO FINAL
103 5 1 0.0000 251.71 44.01 176.15 0.00 23.76 4,515.57 166,699.98 166,699.98 4,019.94 162,680.04 1,626.80 164,306.84
104 6 1 0.0000 251.71 44.01 173.90 0.00 23.76 4,490.74 164,306.84 164,306.84 3,997.36 160,309.48 1,603.09 161,912.57
105 7 1 0.0000 251.71 44.01 171.64 0.00 23.76 4,465.90 161,912.57 161,912.57 3,974.78 157,937.79 1,579.38 159,517.17
106 8 1 0.0000 251.71 44.01 169.38 0.00 23.76 4,441.03 159,517.17 159,517.17 3,952.17 155,565.00 1,555.65 157,120.65
107 9 1 0.0000 251.71 44.01 167.12 0.00 23.76 4,416.19 157,120.65 157,120.65 3,929.59 153,191.06 1,531.91 154,722.97
108 10 1 0.0000 251.71 44.01 164.86 0.00 23.76 4,391.35 154,722.97 154,722.97 3,907.01 150,815.96 1,508.16 152,324.12
109 11 1 0.0000 251.71 44.01 162.60 0.00 23.76 4,366.51 152,324.12 152,324.12 3,884.43 148,439.69 1,484.40 149,924.09
110 12 1 0.0000 251.71 44.01 160.35 0.00 23.76 4,341.68 149,924.09 149,924.09 3,861.85 146,062.24 1,460.62 147,522.86
111 1 2004 1 0.0000 251.71 44.01 158.09 0.00 23.76 4,316.84 147,522.86 147,522.86 3,839.27 143,683.59 1,436.84 145,120.43
112 2 1 0.0000 251.71 44.01 155.83 0.00 23.76 4,291.99 145,120.43 145,120.43 3,816.68 141,303.75 1,413.04 142,716.79
113 3 1 0.0000 251.71 44.01 153.57 0.00 23.76 4,267.15 142,716.79 142,716.79 3,794.10 138,922.69 1,389.23 140,311.92
114 4 1 0.0000 251.71 44.01 151.31 0.00 23.76 4,242.31 140,311.92 140,311.92 3,771.52 136,540.40 1,365.40 137,905.80
115 5 1 0.0000 251.71 44.01 149.05 0.00 23.76 4,217.45 137,905.80 137,905.80 3,748.92 134,156.88 1,341.57 135,498.45
116 6 1 0.0000 251.71 44.01 146.80 0.00 23.76 4,192.62 135,498.45 135,498.45 3,726.34 131,772.11 1,317.72 133,089.83
117 7 1 0.0000 251.71 44.01 144.54 0.00 23.76 4,167.78 133,089.83 133,089.83 3,703.76 129,386.07 1,293.86 130,679.93
118 8 1 0.0000 251.71 44.01 142.28 0.00 23.76 4,142.93 130,679.93 130,679.93 3,681.17 126,998.76 1,269.99 128,268.75
119 9 1 0.0000 251.71 44.01 140.02 0.00 23.76 4,118.09 128,268.75 128,268.75 3,658.59 124,610.16 1,246.10 125,856.26
120 10 1 0.0000 251.71 44.01 137.76 0.00 23.76 4,093.25 125,856.26 125,856.26 3,636.01 122,220.25 1,222.20 123,442.45
121 11 1 0.0000 251.71 44.01 135.50 0.00 23.76 4,068.41 123,442.45 123,442.45 3,613.43 119,829.02 1,198.29 121,027.31
122 12 1 0.0000 251.71 44.01 133.25 0.00 23.76 4,043.58 121,027.31 121,027.31 3,590.85 117,436.46 1,174.36 118,610.82
123 1 2005 1 0.0000 251.71 44.01 130.99 0.00 23.76 4,018.74 118,610.82 118,610.82 3,568.27 115,042.55 1,150.43 116,192.98
124 2 1 0.0000 251.71 44.01 128.73 0.00 23.76 3,993.87 116,192.98 116,192.98 3,545.66 112,647.32 1,126.47 113,773.79
125 3 1 0.0000 251.71 44.01 126.47 0.00 23.76 3,969.03 113,773.79 113,773.79 3,523.08 110,250.71 1,102.51 111,353.22
126 4 1 0.0000 251.71 44.01 124.21 0.00 23.76 3,944.19 111,353.22 111,353.22 3,500.50 107,852.72 1,078.53 108,931.25
127 5 1 0.0000 251.71 44.01 121.95 0.00 23.76 3,919.35 108,931.25 108,931.25 3,477.92 105,453.33 1,054.53 106,507.86
128 6 1 0.0000 251.71 44.01 119.70 0.00 23.76 3,894.52 106,507.86 106,507.86 3,455.34 103,052.52 1,030.53 104,083.05
129 7 1 0.0000 251.71 44.01 117.44 0.00 23.76 3,869.68 104,083.05 104,083.05 3,432.76 100,650.29 1,006.50 101,656.79
130 8 1 0.0000 251.71 44.01 115.18 0.00 23.76 3,844.83 101,656.79 101,656.79 3,410.17 98,246.62 982.47 99,229.09
131 9 1 0.0000 251.71 44.01 112.92 0.00 23.76 3,819.99 99,229.09 99,229.09 3,387.59 95,841.50 958.42 96,799.92
132 10 1 0.0000 251.71 44.01 110.66 0.00 23.76 3,795.15 96,799.92 96,799.92 3,365.01 93,434.91 934.35 94,369.26
133 11 1 0.0000 251.71 44.01 108.40 0.00 23.76 3,770.29 94,369.26 94,369.26 3,342.41 91,026.85 910.27 91,937.12
5 6 7 8 9 10 2 1 4
DIFERENÇA
ENTRE O
SALDO
ANTERIOR NOVO
ATUALIZADO SALDO
E A ATUALIZADO
PRESTAÇÃO COM JUROS
LÍQUIDA JUROS -----------------
SALDO SALDO ----------------- SOBRE O SALDO
ANTERIOR ANTERIOR PRESTAÇÃO NOVO SALDO NOVO SALDO DEVEDOR
DCV % ( 4 ) MPI DFI SC FCVS TS PMT DESATUALIZADO ATUALIZADO LÍQUIDA ATUALIZADO ATUALIZADO FINAL
134 12 1 0.0000 251.71 44.01 106.14 0.00 23.76 3,745.45 91,937.12 91,937.12 3,319.83 88,617.29 886.17 89,503.46
135 1 2006 1 0.0000 251.71 44.01 103.89 0.00 23.76 3,720.62 89,503.46 89,503.46 3,297.25 86,206.21 862.06 87,068.27
136 2 1 0.0000 251.71 44.01 101.63 0.00 23.76 3,695.77 87,068.27 87,068.27 3,274.66 83,793.61 837.94 84,631.55
137 3 1 0.0000 251.71 44.01 99.37 0.00 23.76 3,670.93 84,631.55 84,631.55 3,252.08 81,379.47 813.79 82,193.26
138 4 1 0.0000 251.71 44.01 97.11 0.00 23.76 3,646.09 82,193.26 82,193.26 3,229.50 78,963.76 789.64 79,753.40
139 5 1 0.0000 251.71 44.01 94.85 0.00 23.76 3,621.25 79,753.40 79,753.40 3,206.92 76,546.48 765.46 77,311.94
140 6 1 0.0000 251.71 44.01 92.59 0.00 23.76 3,596.41 77,311.94 77,311.94 3,184.34 74,127.60 741.28 74,868.88
141 7 1 0.0000 251.71 44.01 90.34 0.00 23.76 3,571.58 74,868.88 74,868.88 3,161.76 71,707.12 717.07 72,424.19
142 8 1 0.0000 251.71 44.01 88.08 0.00 23.76 3,546.71 72,424.19 72,424.19 3,139.15 69,285.04 692.85 69,977.89
143 9 1 0.0000 251.71 44.01 85.82 0.00 23.76 3,521.87 69,977.89 69,977.89 3,116.57 66,861.32 668.61 67,529.93
144 10 1 0.0000 251.71 44.01 83.56 0.00 23.76 3,497.03 67,529.93 67,529.93 3,093.99 64,435.94 644.36 65,080.30
145 11 1 0.0000 251.71 44.01 81.30 0.00 23.76 3,472.19 65,080.30 65,080.30 3,071.41 62,008.89 620.09 62,628.98
146 12 1 0.0000 251.71 44.01 79.04 0.00 23.76 3,447.35 62,628.98 62,628.98 3,048.83 59,580.15 595.80 60,175.95
147 1 2007 1 0.0000 251.71 44.01 76.79 0.00 23.76 3,422.52 60,175.95 60,175.95 3,026.25 57,149.70 571.50 57,721.20
148 2 1 0.0000 251.71 44.01 74.53 0.00 23.76 3,397.67 57,721.20 57,721.20 3,003.66 54,717.54 547.18 55,264.72
149 3 1 0.0000 251.71 44.01 72.27 0.00 23.76 3,372.83 55,264.72 55,264.72 2,981.08 52,283.64 522.84 52,806.48
150 4 1 0.0000 251.71 44.01 70.01 0.00 23.76 3,347.99 52,806.48 52,806.48 2,958.50 49,847.98 498.48 50,346.46
151 5 1 0.0000 251.71 44.01 67.75 0.00 23.76 3,323.15 50,346.46 50,346.46 2,935.92 47,410.54 474.11 47,884.65
152 6 1 0.0000 251.71 44.01 65.49 0.00 23.76 3,298.29 47,884.65 47,884.65 2,913.32 44,971.33 449.71 45,421.04
153 7 1 0.0000 251.71 44.01 63.24 0.00 23.76 3,273.46 45,421.04 45,421.04 2,890.74 42,530.30 425.30 42,955.60
154 8 1 0.0000 251.71 44.01 60.98 0.00 23.76 3,248.61 42,955.60 42,955.60 2,868.15 40,087.45 400.87 40,488.32
155 9 1 0.0000 251.71 44.01 58.72 0.00 23.76 3,223.77 40,488.32 40,488.32 2,845.57 37,642.75 376.43 38,019.18
156 10 1 0.0000 251.71 44.01 56.46 0.00 23.76 3,198.93 38,019.18 38,019.18 2,822.99 35,196.19 351.96 35,548.15
157 11 1 0.0000 251.71 44.01 54.20 0.00 23.76 3,174.09 35,548.15 35,548.15 2,800.41 32,747.74 327.48 33,075.22
158 12 1 0.0000 251.71 44.01 51.94 0.00 23.76 3,149.25 33,075.22 33,075.22 2,777.83 30,297.39 302.97 30,600.36
159 1 2008 1 0.0000 251.71 44.01 49.69 0.00 23.76 3,124.42 30,600.36 30,600.36 2,755.25 27,845.11 278.45 28,123.56
160 2 1 0.0000 251.71 44.01 47.43 0.00 23.76 3,099.57 28,123.56 28,123.56 2,732.66 25,390.90 253.91 25,644.81
161 3 1 0.0000 251.71 44.01 45.17 0.00 23.76 3,074.71 25,644.81 25,644.81 2,710.06 22,934.75 229.35 23,164.10
162 4 1 0.0000 251.71 44.01 42.91 0.00 23.76 3,049.87 23,164.10 23,164.10 2,687.48 20,476.62 204.77 20,681.39
163 5 1 0.0000 251.71 44.01 40.65 0.00 23.76 3,025.03 20,681.39 20,681.39 2,664.90 18,016.49 180.16 18,196.65
164 6 1 0.0000 251.71 44.01 38.39 0.00 23.76 3,000.19 18,196.65 18,196.65 2,642.32 15,554.33 155.54 15,709.87
5 6 7 8 9 10 2 1 4
DIFERENÇA
ENTRE O
SALDO
ANTERIOR NOVO
ATUALIZADO SALDO
E A ATUALIZADO
PRESTAÇÃO COM JUROS
LÍQUIDA JUROS -----------------
SALDO SALDO ----------------- SOBRE O SALDO
ANTERIOR ANTERIOR PRESTAÇÃO NOVO SALDO NOVO SALDO DEVEDOR
DCV % ( 4 ) MPI DFI SC FCVS TS PMT DESATUALIZADO ATUALIZADO LÍQUIDA ATUALIZADO ATUALIZADO FINAL
165 7 1 0.0000 251.71 44.01 36.13 0.00 23.76 2,975.35 15,709.87 15,709.87 2,619.74 13,090.13 130.90 13,221.03
166 8 1 0.0000 251.71 44.01 33.88 0.00 23.76 2,950.51 13,221.03 13,221.03 2,597.15 10,623.88 106.24 10,730.12
167 9 1 0.0000 251.71 44.01 31.62 0.00 23.76 2,925.67 10,730.12 10,730.12 2,574.57 8,155.55 81.56 8,237.11
168 10 1 0.0000 251.71 44.01 29.36 0.00 23.76 2,900.83 8,237.11 8,237.11 2,551.99 5,685.12 56.85 5,741.97
169 11 1 0.0000 251.71 44.01 27.10 0.00 23.76 2,875.99 5,741.97 5,741.97 2,529.41 3,212.56 32.13 3,244.69
170 12 1 0.0000 251.71 44.01 24.84 0.00 23.76 2,851.13 3,244.69 3,244.69 2,506.81 737.88 7.38 745.26
171 1 2009 1 0.0000 251.71 44.01 22.58 0.00 23.76 2,826.28 745.26 745.26 2,484.22 -1,738.96 -17.39 -1,756.35
172 2 1 0.0000 251.71 44.01 20.33 0.00 23.76 2,801.45 -1,756.35 -1,756.35 2,461.64 -4,217.99 -42.18 -4,260.17
173 3 1 0.0000 251.71 44.01 18.07 0.00 23.76 2,776.61 -4,260.17 -4,260.17 2,439.06 -6,699.23 -66.99 -6,766.22
174 4 1 0.0000 251.71 44.01 15.81 0.00 23.76 2,751.77 -6,766.22 -6,766.22 2,416.48 -9,182.70 -91.83 -9,274.53
175 5 1 0.0000 251.71 44.01 13.55 0.00 23.76 2,726.93 -9,274.53 -9,274.53 2,393.90 -11,668.43 -116.68 -11,785.11
176 6 1 0.0000 251.71 44.01 11.29 0.00 23.76 2,702.09 -11,785.11 -11,785.11 2,371.32 -14,156.43 -141.56 -14,297.99
177 7 1 0.0000 251.71 44.01 9.03 0.00 23.76 2,677.25 -14,297.99 -14,297.99 2,348.74 -16,646.73 -166.47 -16,813.20
178 8 1 0.0000 251.71 44.01 6.78 0.00 23.76 2,652.41 -16,813.20 -16,813.20 2,326.15 -19,139.35 -191.39 -19,330.74
179 9 1 0.0000 251.71 44.01 4.52 0.00 23.76 2,627.55 -19,330.74 -19,330.74 2,303.55 -21,634.29 -216.34 -21,850.63
180 10 1 0.0000 251.71 44.01 2.26 0.00 23.76 2,602.71 -21,850.63 -21,850.63 2,280.97 -24,131.60 -241.32 -24,372.92
181
182
183
184
185
186
187
188
189
190
191
192
193
194
195
5 6 7 8 9 10 2 1 4
DIFERENÇA
ENTRE O
SALDO
ANTERIOR NOVO
ATUALIZADO SALDO
E A ATUALIZADO
PRESTAÇÃO COM JUROS
LÍQUIDA JUROS -----------------
SALDO SALDO ----------------- SOBRE O SALDO
ANTERIOR ANTERIOR PRESTAÇÃO NOVO SALDO NOVO SALDO DEVEDOR
DCV % ( 4 ) MPI DFI SC FCVS TS PMT DESATUALIZADO ATUALIZADO LÍQUIDA ATUALIZADO ATUALIZADO FINAL
196
197
198
199
200
201
202
203
204
205
206
207
208
209
210
211
212
213
214
215
216
217
218
219
220
221
222
223
224
225
226
5 6 7 8 9 10 2 1 4
DIFERENÇA
ENTRE O
SALDO
ANTERIOR NOVO
ATUALIZADO SALDO
E A ATUALIZADO
PRESTAÇÃO COM JUROS
LÍQUIDA JUROS -----------------
SALDO SALDO ----------------- SOBRE O SALDO
ANTERIOR ANTERIOR PRESTAÇÃO NOVO SALDO NOVO SALDO DEVEDOR
DCV % ( 4 ) MPI DFI SC FCVS TS PMT DESATUALIZADO ATUALIZADO LÍQUIDA ATUALIZADO ATUALIZADO FINAL
227
228
229
230
231
232
233
234
235
236
237
238
239
240
241
242
243
244
245
246
247
248
249
250
251
252
253
254
255
256
257
5 6 7 8 9 10 2 1 4
DIFERENÇA
ENTRE O
SALDO
ANTERIOR NOVO
ATUALIZADO SALDO
E A ATUALIZADO
PRESTAÇÃO COM JUROS
LÍQUIDA JUROS -----------------
SALDO SALDO ----------------- SOBRE O SALDO
ANTERIOR ANTERIOR PRESTAÇÃO NOVO SALDO NOVO SALDO DEVEDOR
DCV % ( 4 ) MPI DFI SC FCVS TS PMT DESATUALIZADO ATUALIZADO LÍQUIDA ATUALIZADO ATUALIZADO FINAL
258
259
260
261
262
263
264
265
266
267
268
269
270
271
272
273
274
275
276
277
278
279
280
281
282
283
284
285
286
287
288
5 6 7 8 9 10 2 1 4
DIFERENÇA
ENTRE O
SALDO
ANTERIOR NOVO
ATUALIZADO SALDO
E A ATUALIZADO
PRESTAÇÃO COM JUROS
LÍQUIDA JUROS -----------------
SALDO SALDO ----------------- SOBRE O SALDO
ANTERIOR ANTERIOR PRESTAÇÃO NOVO SALDO NOVO SALDO DEVEDOR
DCV % ( 4 ) MPI DFI SC FCVS TS PMT DESATUALIZADO ATUALIZADO LÍQUIDA ATUALIZADO ATUALIZADO FINAL
289
290
291
292
293
294
295
296
297
298
299
300
301
302
303
304
305
306
307
308
309
310
311
312
313
314
315
316
317
318
319
5 6 7 8 9 10 2 1 4
DIFERENÇA
ENTRE O
SALDO
ANTERIOR NOVO
ATUALIZADO SALDO
E A ATUALIZADO
PRESTAÇÃO COM JUROS
LÍQUIDA JUROS -----------------
SALDO SALDO ----------------- SOBRE O SALDO
ANTERIOR ANTERIOR PRESTAÇÃO NOVO SALDO NOVO SALDO DEVEDOR
DCV % ( 4 ) MPI DFI SC FCVS TS PMT DESATUALIZADO ATUALIZADO LÍQUIDA ATUALIZADO ATUALIZADO FINAL
320
321
322
323
324
325
326
327
328
329
330
331
332
333
334
335
336
337
338
339
340
341
342
343
344
345
346
347
348
349
350
5 6 7 8 9 10 2 1 4
DIFERENÇA
ENTRE O
SALDO
ANTERIOR NOVO
ATUALIZADO SALDO
E A ATUALIZADO
PRESTAÇÃO COM JUROS
LÍQUIDA JUROS -----------------
SALDO SALDO ----------------- SOBRE O SALDO
ANTERIOR ANTERIOR PRESTAÇÃO NOVO SALDO NOVO SALDO DEVEDOR
DCV % ( 4 ) MPI DFI SC FCVS TS PMT DESATUALIZADO ATUALIZADO LÍQUIDA ATUALIZADO ATUALIZADO FINAL
351
352
353
354
355
356
357
358
359
360
Totalização ( 2ª. Interpretação )
Soma das Prestações Líquidas 694,226.18
+ Valor Residual na última linha do Quadro de Amortização -24,372.92
Total a Prazo Líquido 669,853.26
Total a Prazo Líquido 669,853.26
- Valor Financiado 200,000.00
Acréscimo Total Líquido 469,853.26
Soma das Prestações Líquidas 694,226.18
+ Soma dos pagamentos de Seguro de Morte ou Permanente Invalidez 41,848.99
+ Soma dos pagamentos de Seguro de Danos Físicos do Imóvel 7,316.54
+ Soma dos pagamentos de Seguro de Crédito 31,875.06
+ Soma dos pagamentos para o Fundo de Compensação de Variações Salariais 0.00
+ Soma das Taxas de Serviço ou Taxas de Administração 3,950.12
Soma das Prestações Mensais Totais 779,216.89
Soma das Prestações Mensais Totais 779,216.89
+ Valor Residual na última linha do Quadro de Amortização -24,372.92
Total a Prazo 754,843.97
Total a Prazo 754,843.97
- Valor Financiado 200,000.00
Acréscimo Total 554,843.97
LEIA A OBSERVAÇÃO LOGO ABAIXO
NOTA-SE QUE O SALDO DEVEDOR ESTÁ NEGATIVO NA ÚLTIMA LINHA DO QUADRO DE AMORTIZA-
ÇÃO. AINDA PERCEBE-SE NESTE CASO QUE O MESMO JÁ VINHA NEGATIVO. POR CAUSA DISSO DE-
VE-SE RESSALTAR QUE O PROCEDIMENTO DE CÁLCULO DOS VALORES DO QUADRO DE AMORTIZA-
ÇÃO PERMANECEU IDÊNTICO DURANTE TODA A SUA ELABORAÇÃO ( ISTO INCLUE TAMBÉM O CÁL-
CULO DOS JUROS MENSAIS SOBRE OS SALDOS DEVEDORES NEGATIVOS ).
=> 3ª. INTERPRETAÇÃO :
ATENÇÃO :
=> EM TODAS AS SEÇÕES DE TODAS AS PLANILHAS, TODO SALDO DEVEDOR NEGATIVO NÃO
CORRESPONDE AO VALOR EXCEDENTE A SER DEVOLVIDO . OS JUROS FORAM APLICADOS
MESMO APÓS A MUDANÇA DE SINAL . O OBJETIVO É MANTER O CRITÉRIO DE CÁLCULO EM
TODAS AS LINHAS DE TODOS OS TIPOS DIFERENTES DE QUADROS PARA NÃO CAUSAR
CONFUSÃO AO USUÁRIO .
DESTA FORMA, PARA A RÁPIDA DETERMINAÇÃO DO VALOR ( APENAS CORRIGIDO ) A SER
PRESTAÇÕES PAGAS EM EXCESSO DE ACORDO COM O CÁLCULO . INCLUSIVE CONSIDERANDO
O PRIMEIRO SALDO NEGATIVO COMO O VALOR INICIAL A SER ATUALIZADO ( ALTERADO DEPOIS
DA CÓPIA PARA POSITIVO NA SEÇÃO ) . ESTE VALOR DEVE ESTAR SITUADO NO MÊS
ANTERIOR AO DA PRIMEIRA PRESTAÇÃO PAGA EM EXCESSO ( DA RELAÇÃO DE PRESTAÇÕES
PAGAS A PARTIR DO MÊS SEGUINTE AO PRIMEIRO SALDO NEGATIVO PROVENIENTES DO MESMO
FINALMENTE, BASTANDO APENAS COPIAR ( E SE PRECISO ACRESCENTAR ) AS VARIAÇÕES
Quadro de Evolução do Saldo Devedor baseado na
LEI 4.380/64 art. 6º. alínea "c" => 3ª. INTERPRETAÇÃO
COLOCA-SE OS JUROS DO MÊS NO SALDO DEVEDOR E DEPOIS RETIRA-SE O VALOR DA PRESTAÇÃO
CORRIGIDA. SOMENTE AO FINAL É REALIZADA A CORREÇÃO DO SALDO DEVEDOR.
Característica:
PMT : Introduzida pelo usuário.
Saldo : Corrigido pelo campo % ( 4 ) .
MPI : Introduzido pelo usuário.
DFI : Introduzido pelo usuário.
SC : Introduzido pelo usuário.
FCVS : Introduzido pelo usuário.
TS : Introduzida pelo usuário.
Legenda:
DCV : Divisor de Conversão de Valor ( moeda )
1 - Juros
2 - Prestação Líquida ( para diminuição do saldo )
4 - Saldo Devedor
5 - Seguro de Morte ou Permanente Invalidez ( MPI )
6 - Seguro de Danos Físicos do Imóvel ( DFI )
7 - Seguro de Crédito ( SC )
8 - Fundo de Compensação de Variações Salariais ( FCVS )
9 - Taxa de Serviço ou Taxa de Administração ( TS )
10 - Prestação Mensal Total ( PMT )
DEVOLVIDO, DEVE-SE COPIAR PARA A SEÇÃO DEVOLUÇÃO TODAS OS VALORES DAS
QUADRO DE ORIGEM COPIADAS PARA A SEÇÃO DEVOLUÇÃO ) .
PERCENTUAIS DE CORREÇÃO MONETÁRIA DO QUADRO DE ORIGEM .
1 Dados iniciais.
12% por 360 dias é equivalente a 0,948879% por 30 dias
12% por 360 dias é proporcional a 1% por 30 dias
1.000000% Taxa de Juros por 30 dias
200,000.00
180 Quantidade de Prestações
11
1994
2 Posição mês a mês do financiamento.
Não imprima diretamente esta seção, proceda da seguinte forma:
Selecione "arrastando" com o mouse a área que deseja imprimir, depois pressione as
* CONSIDERA-SE A PRESTAÇÃO LÍQUIDA SEMPRE ATUALIZADA, MESMO QUE CORRIGIDA PELA ÚLTIMA VEZ A VÁRIOS MESES ATRÁS ( EXEMPLO - PES ).
5 6 7 8 9 10 1 2 4
DIFERENÇA
ENTRE O
SALDO
ANTERIOR
DESATUALIZADO NOVO
COM JUROS E A SALDO
JUROS PRESTAÇÃO ATUALIZADO
SOBRE O SALDO LÍQUIDA -----------------
SALDO SALDO ANTERIOR ----------------- SALDO
ANTERIOR ANTERIOR DESATUALIZADO PRESTAÇÃO NOVO SALDO DEVEDOR
DCV % ( 4 ) MPI DFI SC FCVS TS PMT DESATUALIZADO DESATUALIZADO COM JUROS LÍQUIDA AMORTIZAÇÃO DESATUALIZADO FINAL
1 11 ### 1 2.5551 127.00 22.20 205.11 0.00 12.00 3,556.91 200,000.00 2,000.00 202,000.00 3,190.60 1,190.60 198,809.40 203,889.18
2 12 1 2.9210 130.71 22.85 209.93 0.00 12.35 3,647.91 203,889.18 2,038.89 205,928.07 3,272.07 1,233.18 202,656.00 208,575.58
3 1 ### 1 2.8731 134.47 23.51 214.75 0.00 12.70 3,739.45 208,575.58 2,085.76 210,661.34 3,354.02 1,268.26 207,307.32 213,263.47
4 2 1 2.1013 137.30 24.00 218.03 0.00 12.97 3,804.48 213,263.47 2,132.63 215,396.10 3,412.18 1,279.55 211,983.92 216,438.34
5 3 1 1.8531 139.84 24.44 220.82 0.00 13.21 3,861.18 216,438.34 2,164.38 218,602.72 3,462.87 1,298.49 215,139.85 219,126.61
6 4 1 2.2998 143.06 25.00 224.62 0.00 13.51 3,935.85 219,126.61 2,191.27 221,317.88 3,529.66 1,338.39 217,788.22 222,796.91
7 5 1 3.4667 148.02 25.87 231.07 0.00 13.98 4,057.68 222,796.91 2,227.97 225,024.88 3,638.74 1,410.77 221,386.14 229,060.93
8 6 1 3.2471 152.83 26.71 237.21 0.00 14.43 4,174.37 229,060.93 2,290.61 231,351.54 3,743.19 1,452.58 227,608.35 234,999.02
9 7 1 2.8863 157.24 27.48 242.64 0.00 14.85 4,279.33 234,999.02 2,349.99 237,349.01 3,837.12 1,487.13 233,511.89 240,251.74
10 8 1 2.9905 161.94 28.30 248.44 0.00 15.29 4,391.31 240,251.74 2,402.52 242,654.26 3,937.34 1,534.82 238,716.92 245,855.75
11 9 1 2.6045 166.16 29.04 253.43 0.00 15.69 4,489.30 245,855.75 2,458.56 248,314.31 4,024.98 1,566.42 244,289.33 250,651.85
12 10 1 1.9393 169.38 29.60 256.82 0.00 15.99 4,559.64 250,651.85 2,506.52 253,158.37 4,087.85 1,581.33 249,070.52 253,900.74
13 11 1 1.6540 172.18 30.09 259.52 0.00 16.25 4,618.05 253,900.74 2,539.01 256,439.75 4,140.01 1,601.00 252,299.74 256,472.78
14 12 1 1.4387 174.66 30.52 261.69 0.00 16.48 4,667.26 256,472.78 2,564.73 259,037.51 4,183.91 1,619.18 254,853.60 258,520.18
15 1 ### 1 1.3400 177.00 30.93 263.61 0.00 16.70 4,712.32 258,520.18 2,585.20 261,105.38 4,224.08 1,638.88 256,881.30 260,323.51
valor Financiado
Número do mês ( 1ª. linha do Quadro de Amortiz. )
Ano ( 1ª. linha do Quadro de Amortização )
teclas Ctrl + P e no ítem Imprimir clique em Seleção.
5 6 7 8 9 10 1 2 4
DIFERENÇA
ENTRE O
SALDO
ANTERIOR
DESATUALIZADO NOVO
COM JUROS E A SALDO
JUROS PRESTAÇÃO ATUALIZADO
SOBRE O SALDO LÍQUIDA -----------------
SALDO SALDO ANTERIOR ----------------- SALDO
ANTERIOR ANTERIOR DESATUALIZADO PRESTAÇÃO NOVO SALDO DEVEDOR
DCV % ( 4 ) MPI DFI SC FCVS TS PMT DESATUALIZADO DESATUALIZADO COM JUROS LÍQUIDA AMORTIZAÇÃO DESATUALIZADO FINAL
16 2 1 1.2526 179.22 31.32 265.30 0.00 16.91 4,753.66 260,323.51 2,603.24 262,926.75 4,260.91 1,657.67 258,665.84 261,905.89
17 3 1 0.9625 180.94 31.62 266.23 0.00 17.07 4,781.55 261,905.89 2,619.06 264,524.95 4,285.69 1,666.63 260,239.26 262,744.06
18 4 1 0.8139 182.41 31.88 266.76 0.00 17.21 4,802.47 262,744.06 2,627.44 265,371.50 4,304.21 1,676.77 261,067.29 263,192.12
19 5 1 0.6597 183.61 32.09 266.88 0.00 17.32 4,816.03 263,192.12 2,631.92 265,824.04 4,316.13 1,684.21 261,507.91 263,233.08
20 6 1 0.5888 184.69 32.28 266.79 0.00 17.42 4,826.16 263,233.08 2,632.33 265,865.41 4,324.98 1,692.65 261,540.43 263,080.38
21 7 1 0.6099 185.82 32.48 266.75 0.00 17.53 4,837.26 263,080.38 2,630.80 265,711.18 4,334.68 1,703.88 261,376.50 262,970.64
22 8 1 0.5851 186.91 32.67 266.63 0.00 17.63 4,847.12 262,970.64 2,629.71 265,600.35 4,343.28 1,713.57 261,257.07 262,785.69
23 9 1 0.6275 188.08 32.88 266.62 0.00 17.74 4,858.98 262,785.69 2,627.86 265,413.55 4,353.66 1,725.80 261,059.89 262,698.04
24 10 1 0.6620 189.33 33.10 266.69 0.00 17.86 4,872.46 262,698.04 2,626.98 265,325.02 4,365.48 1,738.50 260,959.54 262,687.09
25 11 1 0.7419 190.73 33.35 266.95 0.00 17.99 4,889.78 262,687.09 2,626.87 265,313.96 4,380.76 1,753.89 260,933.20 262,869.06
26 12 1 0.8146 192.28 33.62 267.40 0.00 18.14 4,910.63 262,869.06 2,628.69 265,497.75 4,399.19 1,770.50 261,098.56 263,225.47
27 1 ### 1 0.8717 193.96 33.91 267.99 0.00 18.30 4,934.30 263,225.47 2,632.25 265,857.72 4,420.14 1,787.89 261,437.58 263,716.53
28 2 1 0.7440 195.40 34.16 268.23 0.00 18.44 4,951.73 263,716.53 2,637.17 266,353.70 4,435.50 1,798.33 261,918.20 263,866.87
29 3 1 0.6616 196.69 34.39 268.24 0.00 18.56 4,965.08 263,866.87 2,638.67 266,505.54 4,447.20 1,808.53 262,058.34 263,792.12
30 4 1 0.6316 197.93 34.61 268.16 0.00 18.68 4,976.91 263,792.12 2,637.92 266,430.04 4,457.53 1,819.61 261,972.51 263,627.13
31 5 1 0.6211 199.16 34.82 268.04 0.00 18.80 4,988.16 263,627.13 2,636.27 266,263.40 4,467.34 1,831.07 261,796.06 263,422.08
32 6 1 0.6354 200.43 35.04 267.95 0.00 18.92 5,000.09 263,422.08 2,634.22 266,056.30 4,477.75 1,843.53 261,578.55 263,240.62
33 7 1 0.6535 201.74 35.27 267.89 0.00 19.04 5,012.84 263,240.62 2,632.41 265,873.03 4,488.90 1,856.49 261,384.13 263,092.28
34 8 1 0.6580 203.07 35.50 267.83 0.00 19.17 5,025.79 263,092.28 2,630.92 265,723.20 4,500.22 1,869.30 261,222.98 262,941.83
35 9 1 0.6270 204.34 35.72 267.67 0.00 19.29 5,037.12 262,941.83 2,629.42 265,571.25 4,510.10 1,880.68 261,061.15 262,698.00
36 10 1 0.6474 205.66 35.95 267.56 0.00 19.41 5,049.43 262,698.00 2,626.98 265,324.98 4,520.85 1,893.87 260,804.13 262,492.58
37 11 1 0.6553 207.01 36.19 267.46 0.00 19.54 5,062.10 262,492.58 2,624.93 265,117.51 4,531.90 1,906.97 260,585.61 262,293.23
38 12 1 1.5334 210.18 36.74 269.67 0.00 19.84 5,118.97 262,293.23 2,622.93 264,916.16 4,582.54 1,959.61 260,333.62 264,325.58
39 1 ### 1 1.3085 212.93 37.22 271.29 0.00 20.10 5,164.94 264,325.58 2,643.26 266,968.84 4,623.40 1,980.14 262,345.44 265,778.23
40 2 1 1.1459 215.37 37.65 272.47 0.00 20.33 5,202.87 265,778.23 2,657.78 268,436.01 4,657.05 1,999.27 263,778.96 266,801.60
41 3 1 0.4461 216.33 37.82 271.74 0.00 20.42 5,204.73 266,801.60 2,668.02 269,469.62 4,658.42 1,990.40 264,811.20 265,992.52
42 4 1 0.8995 218.28 38.16 272.23 0.00 20.60 5,229.99 265,992.52 2,659.93 268,652.45 4,680.72 2,020.79 263,971.73 266,346.16
43 5 1 0.4720 219.31 38.34 271.54 0.00 20.70 5,233.03 266,346.16 2,663.46 269,009.62 4,683.14 2,019.68 264,326.48 265,574.10
44 6 1 0.4543 220.31 38.51 270.80 0.00 20.79 5,235.06 265,574.10 2,655.74 268,229.84 4,684.65 2,028.91 263,545.19 264,742.48
45 7 1 0.4913 221.39 38.70 270.15 0.00 20.89 5,238.94 264,742.48 2,647.42 267,389.90 4,687.81 2,040.39 262,702.09 263,992.75
46 8 1 0.5503 222.61 38.91 269.63 0.00 21.00 5,245.78 263,992.75 2,639.93 266,632.68 4,693.63 2,053.70 261,939.05 263,380.50
47 9 1 0.3749 223.44 39.06 268.64 0.00 21.08 5,243.40 263,380.50 2,633.81 266,014.31 4,691.18 2,057.37 261,323.13 262,302.83
48 10 1 0.4512 224.45 39.24 267.84 0.00 21.18 5,244.92 262,302.83 2,623.03 264,925.86 4,692.21 2,069.18 260,233.65 261,407.82
49 11 1 0.8892 226.45 39.59 268.19 0.00 21.37 5,269.22 261,407.82 2,614.08 264,021.90 4,713.62 2,099.54 259,308.28 261,614.05
5 6 7 8 9 10 1 2 4
DIFERENÇA
ENTRE O
SALDO
ANTERIOR
DESATUALIZADO NOVO
COM JUROS E A SALDO
JUROS PRESTAÇÃO ATUALIZADO
SOBRE O SALDO LÍQUIDA -----------------
SALDO SALDO ANTERIOR ----------------- SALDO
ANTERIOR ANTERIOR DESATUALIZADO PRESTAÇÃO NOVO SALDO DEVEDOR
DCV % ( 4 ) MPI DFI SC FCVS TS PMT DESATUALIZADO DESATUALIZADO COM JUROS LÍQUIDA AMORTIZAÇÃO DESATUALIZADO FINAL
50 12 1 0.6136 227.84 39.83 267.79 0.00 21.50 5,279.06 261,614.05 2,616.14 264,230.19 4,722.10 2,105.96 259,508.09 261,100.43
51 1 ### 1 0.7434 229.53 40.13 267.72 0.00 21.66 5,295.66 261,100.43 2,611.00 263,711.43 4,736.62 2,125.62 258,974.81 260,900.03
52 2 1 0.5163 230.72 40.34 267.03 0.00 21.77 5,300.21 260,900.03 2,609.00 263,509.03 4,740.35 2,131.35 258,768.68 260,104.70
53 3 1 0.8298 232.63 40.67 267.16 0.00 21.95 5,321.23 260,104.70 2,601.05 262,705.75 4,758.82 2,157.77 257,946.93 260,087.37
54 4 1 1.1614 235.33 41.14 268.15 0.00 22.20 5,359.80 260,087.37 2,600.87 262,688.24 4,792.98 2,192.11 257,895.26 260,890.46
55 5 1 0.6092 236.76 41.39 267.66 0.00 22.34 5,369.08 260,890.46 2,608.90 263,499.36 4,800.93 2,192.03 258,698.43 260,274.42
56 6 1 0.5761 238.12 41.63 267.07 0.00 22.47 5,376.52 260,274.42 2,602.74 262,877.16 4,807.23 2,204.49 258,069.93 259,556.67
57 7 1 0.3108 238.86 41.76 265.76 0.00 22.54 5,369.66 259,556.67 2,595.57 262,152.24 4,800.74 2,205.17 257,351.50 258,151.35
58 8 1 0.2933 239.56 41.88 264.39 0.00 22.61 5,361.77 258,151.35 2,581.51 260,732.86 4,793.33 2,211.82 255,939.53 256,690.20
59 9 1 0.2945 240.27 42.00 263.01 0.00 22.68 5,353.85 256,690.20 2,566.90 259,257.10 4,785.89 2,218.99 254,471.21 255,220.63
60 10 1 0.2715 240.92 42.11 261.56 0.00 22.74 5,344.60 255,220.63 2,552.21 257,772.84 4,777.27 2,225.06 252,995.57 253,682.45
61 11 1 0.2265 241.47 42.21 259.99 0.00 22.79 5,332.87 253,682.45 2,536.82 256,219.27 4,766.41 2,229.59 251,452.86 252,022.40
62 12 1 0.1998 241.95 42.29 258.34 0.00 22.84 5,319.64 252,022.40 2,520.22 254,542.62 4,754.22 2,234.00 249,788.40 250,287.48
63 1 ### 1 0.2998 242.68 42.42 256.93 0.00 22.91 5,311.64 250,287.48 2,502.87 252,790.35 4,746.70 2,243.83 248,043.65 248,787.28
64 2 1 0.2149 243.20 42.51 255.30 0.00 22.96 5,299.06 248,787.28 2,487.87 251,275.15 4,735.09 2,247.22 246,540.06 247,069.87
65 3 1 0.2328 243.77 42.61 253.71 0.00 23.01 5,287.34 247,069.87 2,470.70 249,540.57 4,724.24 2,253.54 244,816.33 245,386.26
66 4 1 0.2242 244.32 42.71 252.09 0.00 23.06 5,275.09 245,386.26 2,453.86 247,840.12 4,712.91 2,259.05 243,127.21 243,672.30
67 5 1 0.1301 244.64 42.77 250.22 0.00 23.09 5,257.82 243,672.30 2,436.72 246,109.02 4,697.10 2,260.38 241,411.92 241,726.00
68 6 1 0.2492 245.25 42.88 248.64 0.00 23.15 5,246.72 241,726.00 2,417.26 244,143.26 4,686.80 2,269.54 239,456.46 240,053.19
69 7 1 0.2140 245.77 42.97 246.97 0.00 23.20 5,233.69 240,053.19 2,400.53 242,453.72 4,674.78 2,274.25 237,778.94 238,287.79
70 8 1 0.1547 246.15 43.04 245.14 0.00 23.24 5,217.48 238,287.79 2,382.88 240,670.67 4,659.91 2,277.03 236,010.76 236,375.87
71 9 1 0.2025 246.65 43.13 243.43 0.00 23.29 5,203.72 236,375.87 2,363.76 238,739.63 4,647.22 2,283.46 234,092.41 234,566.45
72 10 1 0.1038 246.91 43.17 241.46 0.00 23.31 5,184.74 234,566.45 2,345.66 236,912.11 4,629.89 2,284.23 232,282.22 232,523.33
73 11 1 0.1316 247.23 43.23 239.56 0.00 23.34 5,167.17 232,523.33 2,325.23 234,848.56 4,613.81 2,288.58 230,234.75 230,537.74
74 12 1 0.1197 247.53 43.28 237.63 0.00 23.37 5,148.93 230,537.74 2,305.38 232,843.12 4,597.12 2,291.74 228,246.00 228,519.21
75 1 ### 1 0.0991 247.78 43.32 235.64 0.00 23.39 5,129.58 228,519.21 2,285.19 230,804.40 4,579.45 2,294.26 226,224.95 226,449.14
76 2 1 0.1369 248.12 43.38 233.74 0.00 23.42 5,112.12 226,449.14 2,264.49 228,713.63 4,563.46 2,298.97 224,150.17 224,457.03
77 3 1 0.0368 248.21 43.40 231.60 0.00 23.43 5,089.52 224,457.03 2,244.57 226,701.60 4,542.88 2,298.31 222,158.72 222,240.47
78 4 1 0.1724 248.64 43.47 229.77 0.00 23.47 5,073.75 222,240.47 2,222.40 224,462.87 4,528.40 2,306.00 219,934.47 220,313.64
79 5 1 0.1546 249.02 43.54 227.89 0.00 23.51 5,057.00 220,313.64 2,203.14 222,516.78 4,513.04 2,309.90 218,003.74 218,340.77
80 6 1 0.1827 249.47 43.62 226.07 0.00 23.55 5,041.62 218,340.77 2,183.41 220,524.18 4,498.91 2,315.50 216,025.27 216,419.95
81 7 1 0.1458 249.83 43.68 224.15 0.00 23.58 5,024.29 216,419.95 2,164.20 218,584.15 4,483.05 2,318.85 214,101.10 214,413.26
82 8 1 0.2441 250.44 43.79 222.45 0.00 23.64 5,011.85 214,413.26 2,144.13 216,557.39 4,471.53 2,327.40 212,085.86 212,603.56
83 9 1 0.3436 251.30 43.94 220.96 0.00 23.72 5,004.27 212,603.56 2,126.04 214,729.60 4,464.35 2,338.31 210,265.25 210,987.72
5 6 7 8 9 10 1 2 4
DIFERENÇA
ENTRE O
SALDO
ANTERIOR
DESATUALIZADO NOVO
COM JUROS E A SALDO
JUROS PRESTAÇÃO ATUALIZADO
SOBRE O SALDO LÍQUIDA -----------------
SALDO SALDO ANTERIOR ----------------- SALDO
ANTERIOR ANTERIOR DESATUALIZADO PRESTAÇÃO NOVO SALDO DEVEDOR
DCV % ( 4 ) MPI DFI SC FCVS TS PMT DESATUALIZADO DESATUALIZADO COM JUROS LÍQUIDA AMORTIZAÇÃO DESATUALIZADO FINAL
84 10 1 0.1627 251.71 44.01 219.06 0.00 23.76 4,987.57 210,987.72 2,109.88 213,097.60 4,449.03 2,339.15 208,648.57 208,988.04
85 11 1 0.0000 251.71 44.01 216.81 0.00 23.76 4,962.74 208,988.04 2,089.88 211,077.92 4,426.45 2,336.57 206,651.47 206,651.47
86 12 1 0.0000 251.71 44.01 214.55 0.00 23.76 4,937.90 206,651.47 2,066.51 208,717.98 4,403.87 2,337.36 204,314.11 204,314.11
87 1 ### 1 0.0000 251.71 44.01 212.29 0.00 23.76 4,913.06 204,314.11 2,043.14 206,357.25 4,381.29 2,338.15 201,975.96 201,975.96
88 2 1 0.0000 251.71 44.01 210.03 0.00 23.76 4,888.19 201,975.96 2,019.76 203,995.72 4,358.68 2,338.92 199,637.04 199,637.04
89 3 1 0.0000 251.71 44.01 207.77 0.00 23.76 4,863.35 199,637.04 1,996.37 201,633.41 4,336.10 2,339.73 197,297.31 197,297.31
90 4 1 0.0000 251.71 44.01 205.51 0.00 23.76 4,838.51 197,297.31 1,972.97 199,270.28 4,313.52 2,340.55 194,956.76 194,956.76
91 5 1 0.0000 251.71 44.01 203.26 0.00 23.76 4,813.68 194,956.76 1,949.57 196,906.33 4,290.94 2,341.37 192,615.39 192,615.39
92 6 1 0.0000 251.71 44.01 201.00 0.00 23.76 4,788.84 192,615.39 1,926.15 194,541.54 4,268.36 2,342.21 190,273.18 190,273.18
93 7 1 0.0000 251.71 44.01 198.74 0.00 23.76 4,764.00 190,273.18 1,902.73 192,175.91 4,245.78 2,343.05 187,930.13 187,930.13
94 8 1 0.0000 251.71 44.01 196.48 0.00 23.76 4,739.15 187,930.13 1,879.30 189,809.43 4,223.19 2,343.89 185,586.24 185,586.24
95 9 1 0.0000 251.71 44.01 194.22 0.00 23.76 4,714.31 185,586.24 1,855.86 187,442.10 4,200.61 2,344.75 183,241.49 183,241.49
96 10 1 0.0000 251.71 44.01 191.96 0.00 23.76 4,689.47 183,241.49 1,832.41 185,073.90 4,178.03 2,345.62 180,895.87 180,895.87
97 11 1 0.0000 251.71 44.01 189.71 0.00 23.76 4,664.62 180,895.87 1,808.96 182,704.83 4,155.43 2,346.47 178,549.40 178,549.40
98 12 1 0.0000 251.71 44.01 187.45 0.00 23.76 4,639.78 178,549.40 1,785.49 180,334.89 4,132.85 2,347.36 176,202.04 176,202.04
99 1 ### 1 0.0000 251.71 44.01 185.19 0.00 23.76 4,614.94 176,202.04 1,762.02 177,964.06 4,110.27 2,348.25 173,853.79 173,853.79
100 2 1 0.0000 251.71 44.01 182.93 0.00 23.76 4,590.09 173,853.79 1,738.54 175,592.33 4,087.68 2,349.14 171,504.65 171,504.65
101 3 1 0.0000 251.71 44.01 180.67 0.00 23.76 4,565.25 171,504.65 1,715.05 173,219.70 4,065.10 2,350.05 169,154.60 169,154.60
102 4 1 0.0000 251.71 44.01 178.41 0.00 23.76 4,540.41 169,154.60 1,691.55 170,846.15 4,042.52 2,350.97 166,803.63 166,803.63
103 5 1 0.0000 251.71 44.01 176.15 0.00 23.76 4,515.57 166,803.63 1,668.04 168,471.67 4,019.94 2,351.90 164,451.73 164,451.73
104 6 1 0.0000 251.71 44.01 173.90 0.00 23.76 4,490.74 164,451.73 1,644.52 166,096.25 3,997.36 2,352.84 162,098.89 162,098.89
105 7 1 0.0000 251.71 44.01 171.64 0.00 23.76 4,465.90 162,098.89 1,620.99 163,719.88 3,974.78 2,353.79 159,745.10 159,745.10
106 8 1 0.0000 251.71 44.01 169.38 0.00 23.76 4,441.03 159,745.10 1,597.45 161,342.55 3,952.17 2,354.72 157,390.38 157,390.38
107 9 1 0.0000 251.71 44.01 167.12 0.00 23.76 4,416.19 157,390.38 1,573.90 158,964.28 3,929.59 2,355.69 155,034.69 155,034.69
108 10 1 0.0000 251.71 44.01 164.86 0.00 23.76 4,391.35 155,034.69 1,550.35 156,585.04 3,907.01 2,356.66 152,678.03 152,678.03
109 11 1 0.0000 251.71 44.01 162.60 0.00 23.76 4,366.51 152,678.03 1,526.78 154,204.81 3,884.43 2,357.65 150,320.38 150,320.38
110 12 1 0.0000 251.71 44.01 160.35 0.00 23.76 4,341.68 150,320.38 1,503.20 151,823.58 3,861.85 2,358.65 147,961.73 147,961.73
111 1 ### 1 0.0000 251.71 44.01 158.09 0.00 23.76 4,316.84 147,961.73 1,479.62 149,441.35 3,839.27 2,359.65 145,602.08 145,602.08
112 2 1 0.0000 251.71 44.01 155.83 0.00 23.76 4,291.99 145,602.08 1,456.02 147,058.10 3,816.68 2,360.66 143,241.42 143,241.42
113 3 1 0.0000 251.71 44.01 153.57 0.00 23.76 4,267.15 143,241.42 1,432.41 144,673.83 3,794.10 2,361.69 140,879.73 140,879.73
114 4 1 0.0000 251.71 44.01 151.31 0.00 23.76 4,242.31 140,879.73 1,408.80 142,288.53 3,771.52 2,362.72 138,517.01 138,517.01
115 5 1 0.0000 251.71 44.01 149.05 0.00 23.76 4,217.45 138,517.01 1,385.17 139,902.18 3,748.92 2,363.75 136,153.26 136,153.26
116 6 1 0.0000 251.71 44.01 146.80 0.00 23.76 4,192.62 136,153.26 1,361.53 137,514.79 3,726.34 2,364.81 133,788.45 133,788.45
117 7 1 0.0000 251.71 44.01 144.54 0.00 23.76 4,167.78 133,788.45 1,337.88 135,126.33 3,703.76 2,365.88 131,422.57 131,422.57
5 6 7 8 9 10 1 2 4
DIFERENÇA
ENTRE O
SALDO
ANTERIOR
DESATUALIZADO NOVO
COM JUROS E A SALDO
JUROS PRESTAÇÃO ATUALIZADO
SOBRE O SALDO LÍQUIDA -----------------
SALDO SALDO ANTERIOR ----------------- SALDO
ANTERIOR ANTERIOR DESATUALIZADO PRESTAÇÃO NOVO SALDO DEVEDOR
DCV % ( 4 ) MPI DFI SC FCVS TS PMT DESATUALIZADO DESATUALIZADO COM JUROS LÍQUIDA AMORTIZAÇÃO DESATUALIZADO FINAL
118 8 1 0.0000 251.71 44.01 142.28 0.00 23.76 4,142.93 131,422.57 1,314.23 132,736.80 3,681.17 2,366.94 129,055.63 129,055.63
119 9 1 0.0000 251.71 44.01 140.02 0.00 23.76 4,118.09 129,055.63 1,290.56 130,346.19 3,658.59 2,368.03 126,687.60 126,687.60
120 10 1 0.0000 251.71 44.01 137.76 0.00 23.76 4,093.25 126,687.60 1,266.88 127,954.48 3,636.01 2,369.13 124,318.47 124,318.47
121 11 1 0.0000 251.71 44.01 135.50 0.00 23.76 4,068.41 124,318.47 1,243.18 125,561.65 3,613.43 2,370.25 121,948.22 121,948.22
122 12 1 0.0000 251.71 44.01 133.25 0.00 23.76 4,043.58 121,948.22 1,219.48 123,167.70 3,590.85 2,371.37 119,576.85 119,576.85
123 1 ### 1 0.0000 251.71 44.01 130.99 0.00 23.76 4,018.74 119,576.85 1,195.77 120,772.62 3,568.27 2,372.50 117,204.35 117,204.35
124 2 1 0.0000 251.71 44.01 128.73 0.00 23.76 3,993.87 117,204.35 1,172.04 118,376.39 3,545.66 2,373.62 114,830.73 114,830.73
125 3 1 0.0000 251.71 44.01 126.47 0.00 23.76 3,969.03 114,830.73 1,148.31 115,979.04 3,523.08 2,374.77 112,455.96 112,455.96
126 4 1 0.0000 251.71 44.01 124.21 0.00 23.76 3,944.19 112,455.96 1,124.56 113,580.52 3,500.50 2,375.94 110,080.02 110,080.02
127 5 1 0.0000 251.71 44.01 121.95 0.00 23.76 3,919.35 110,080.02 1,100.80 111,180.82 3,477.92 2,377.12 107,702.90 107,702.90
128 6 1 0.0000 251.71 44.01 119.70 0.00 23.76 3,894.52 107,702.90 1,077.03 108,779.93 3,455.34 2,378.31 105,324.59 105,324.59
129 7 1 0.0000 251.71 44.01 117.44 0.00 23.76 3,869.68 105,324.59 1,053.25 106,377.84 3,432.76 2,379.51 102,945.08 102,945.08
130 8 1 0.0000 251.71 44.01 115.18 0.00 23.76 3,844.83 102,945.08 1,029.45 103,974.53 3,410.17 2,380.72 100,564.36 100,564.36
131 9 1 0.0000 251.71 44.01 112.92 0.00 23.76 3,819.99 100,564.36 1,005.64 101,570.00 3,387.59 2,381.95 98,182.41 98,182.41
132 10 1 0.0000 251.71 44.01 110.66 0.00 23.76 3,795.15 98,182.41 981.82 99,164.23 3,365.01 2,383.19 95,799.22 95,799.22
133 11 1 0.0000 251.71 44.01 108.40 0.00 23.76 3,770.29 95,799.22 957.99 96,757.21 3,342.41 2,384.42 93,414.80 93,414.80
134 12 1 0.0000 251.71 44.01 106.14 0.00 23.76 3,745.45 93,414.80 934.15 94,348.95 3,319.83 2,385.68 91,029.12 91,029.12
135 1 ### 1 0.0000 251.71 44.01 103.89 0.00 23.76 3,720.62 91,029.12 910.29 91,939.41 3,297.25 2,386.96 88,642.16 88,642.16
136 2 1 0.0000 251.71 44.01 101.63 0.00 23.76 3,695.77 88,642.16 886.42 89,528.58 3,274.66 2,388.24 86,253.92 86,253.92
137 3 1 0.0000 251.71 44.01 99.37 0.00 23.76 3,670.93 86,253.92 862.54 87,116.46 3,252.08 2,389.54 83,864.38 83,864.38
138 4 1 0.0000 251.71 44.01 97.11 0.00 23.76 3,646.09 83,864.38 838.64 84,703.02 3,229.50 2,390.86 81,473.52 81,473.52
139 5 1 0.0000 251.71 44.01 94.85 0.00 23.76 3,621.25 81,473.52 814.74 82,288.26 3,206.92 2,392.18 79,081.34 79,081.34
140 6 1 0.0000 251.71 44.01 92.59 0.00 23.76 3,596.41 79,081.34 790.81 79,872.15 3,184.34 2,393.53 76,687.81 76,687.81
141 7 1 0.0000 251.71 44.01 90.34 0.00 23.76 3,571.58 76,687.81 766.88 77,454.69 3,161.76 2,394.88 74,292.93 74,292.93
142 8 1 0.0000 251.71 44.01 88.08 0.00 23.76 3,546.71 74,292.93 742.93 75,035.86 3,139.15 2,396.22 71,896.71 71,896.71
143 9 1 0.0000 251.71 44.01 85.82 0.00 23.76 3,521.87 71,896.71 718.97 72,615.68 3,116.57 2,397.60 69,499.11 69,499.11
144 10 1 0.0000 251.71 44.01 83.56 0.00 23.76 3,497.03 69,499.11 694.99 70,194.10 3,093.99 2,399.00 67,100.11 67,100.11
145 11 1 0.0000 251.71 44.01 81.30 0.00 23.76 3,472.19 67,100.11 671.00 67,771.11 3,071.41 2,400.41 64,699.70 64,699.70
146 12 1 0.0000 251.71 44.01 79.04 0.00 23.76 3,447.35 64,699.70 647.00 65,346.70 3,048.83 2,401.83 62,297.87 62,297.87
147 1 ### 1 0.0000 251.71 44.01 76.79 0.00 23.76 3,422.52 62,297.87 622.98 62,920.85 3,026.25 2,403.27 59,894.60 59,894.60
148 2 1 0.0000 251.71 44.01 74.53 0.00 23.76 3,397.67 59,894.60 598.95 60,493.55 3,003.66 2,404.71 57,489.89 57,489.89
149 3 1 0.0000 251.71 44.01 72.27 0.00 23.76 3,372.83 57,489.89 574.90 58,064.79 2,981.08 2,406.18 55,083.71 55,083.71
150 4 1 0.0000 251.71 44.01 70.01 0.00 23.76 3,347.99 55,083.71 550.84 55,634.55 2,958.50 2,407.66 52,676.05 52,676.05
151 5 1 0.0000 251.71 44.01 67.75 0.00 23.76 3,323.15 52,676.05 526.76 53,202.81 2,935.92 2,409.16 50,266.89 50,266.89
5 6 7 8 9 10 1 2 4
DIFERENÇA
ENTRE O
SALDO
ANTERIOR
DESATUALIZADO NOVO
COM JUROS E A SALDO
JUROS PRESTAÇÃO ATUALIZADO
SOBRE O SALDO LÍQUIDA -----------------
SALDO SALDO ANTERIOR ----------------- SALDO
ANTERIOR ANTERIOR DESATUALIZADO PRESTAÇÃO NOVO SALDO DEVEDOR
DCV % ( 4 ) MPI DFI SC FCVS TS PMT DESATUALIZADO DESATUALIZADO COM JUROS LÍQUIDA AMORTIZAÇÃO DESATUALIZADO FINAL
152 6 1 0.0000 251.71 44.01 65.49 0.00 23.76 3,298.29 50,266.89 502.67 50,769.56 2,913.32 2,410.65 47,856.24 47,856.24
153 7 1 0.0000 251.71 44.01 63.24 0.00 23.76 3,273.46 47,856.24 478.56 48,334.80 2,890.74 2,412.18 45,444.06 45,444.06
154 8 1 0.0000 251.71 44.01 60.98 0.00 23.76 3,248.61 45,444.06 454.44 45,898.50 2,868.15 2,413.71 43,030.35 43,030.35
155 9 1 0.0000 251.71 44.01 58.72 0.00 23.76 3,223.77 43,030.35 430.30 43,460.65 2,845.57 2,415.27 40,615.08 40,615.08
156 10 1 0.0000 251.71 44.01 56.46 0.00 23.76 3,198.93 40,615.08 406.15 41,021.23 2,822.99 2,416.84 38,198.24 38,198.24
157 11 1 0.0000 251.71 44.01 54.20 0.00 23.76 3,174.09 38,198.24 381.98 38,580.22 2,800.41 2,418.43 35,779.81 35,779.81
158 12 1 0.0000 251.71 44.01 51.94 0.00 23.76 3,149.25 35,779.81 357.80 36,137.61 2,777.83 2,420.03 33,359.78 33,359.78
159 1 ### 1 0.0000 251.71 44.01 49.69 0.00 23.76 3,124.42 33,359.78 333.60 33,693.38 2,755.25 2,421.65 30,938.13 30,938.13
160 2 1 0.0000 251.71 44.01 47.43 0.00 23.76 3,099.57 30,938.13 309.38 31,247.51 2,732.66 2,423.28 28,514.85 28,514.85
161 3 1 0.0000 251.71 44.01 45.17 0.00 23.76 3,074.71 28,514.85 285.15 28,800.00 2,710.06 2,424.91 26,089.94 26,089.94
162 4 1 0.0000 251.71 44.01 42.91 0.00 23.76 3,049.87 26,089.94 260.90 26,350.84 2,687.48 2,426.58 23,663.36 23,663.36
163 5 1 0.0000 251.71 44.01 40.65 0.00 23.76 3,025.03 23,663.36 236.63 23,899.99 2,664.90 2,428.27 21,235.09 21,235.09
164 6 1 0.0000 251.71 44.01 38.39 0.00 23.76 3,000.19 21,235.09 212.35 21,447.44 2,642.32 2,429.97 18,805.12 18,805.12
165 7 1 0.0000 251.71 44.01 36.13 0.00 23.76 2,975.35 18,805.12 188.05 18,993.17 2,619.74 2,431.69 16,373.43 16,373.43
166 8 1 0.0000 251.71 44.01 33.88 0.00 23.76 2,950.51 16,373.43 163.73 16,537.16 2,597.15 2,433.42 13,940.01 13,940.01
167 9 1 0.0000 251.71 44.01 31.62 0.00 23.76 2,925.67 13,940.01 139.40 14,079.41 2,574.57 2,435.17 11,504.84 11,504.84
168 10 1 0.0000 251.71 44.01 29.36 0.00 23.76 2,900.83 11,504.84 115.05 11,619.89 2,551.99 2,436.94 9,067.90 9,067.90
169 11 1 0.0000 251.71 44.01 27.10 0.00 23.76 2,875.99 9,067.90 90.68 9,158.58 2,529.41 2,438.73 6,629.17 6,629.17
170 12 1 0.0000 251.71 44.01 24.84 0.00 23.76 2,851.13 6,629.17 66.29 6,695.46 2,506.81 2,440.52 4,188.65 4,188.65
171 1 ### 1 0.0000 251.71 44.01 22.58 0.00 23.76 2,826.28 4,188.65 41.89 4,230.54 2,484.22 2,442.33 1,746.32 1,746.32
172 2 1 0.0000 251.71 44.01 20.33 0.00 23.76 2,801.45 1,746.32 17.46 1,763.78 2,461.64 2,444.18 -697.86 -697.86
173 3 1 0.0000 251.71 44.01 18.07 0.00 23.76 2,776.61 -697.86 -6.98 -704.84 2,439.06 2,446.04 -3,143.90 -3,143.90
174 4 1 0.0000 251.71 44.01 15.81 0.00 23.76 2,751.77 -3,143.90 -31.44 -3,175.34 2,416.48 2,447.92 -5,591.82 -5,591.82
175 5 1 0.0000 251.71 44.01 13.55 0.00 23.76 2,726.93 -5,591.82 -55.92 -5,647.74 2,393.90 2,449.82 -8,041.64 -8,041.64
176 6 1 0.0000 251.71 44.01 11.29 0.00 23.76 2,702.09 -8,041.64 -80.42 -8,122.06 2,371.32 2,451.74 -10,493.38 -10,493.38
177 7 1 0.0000 251.71 44.01 9.03 0.00 23.76 2,677.25 -10,493.38 -104.93 -10,598.31 2,348.74 2,453.67 -12,947.05 -12,947.05
178 8 1 0.0000 251.71 44.01 6.78 0.00 23.76 2,652.41 -12,947.05 -129.47 -13,076.52 2,326.15 2,455.62 -15,402.67 -15,402.67
179 9 1 0.0000 251.71 44.01 4.52 0.00 23.76 2,627.55 -15,402.67 -154.03 -15,556.70 2,303.55 2,457.58 -17,860.25 -17,860.25
180 10 1 0.0000 251.71 44.01 2.26 0.00 23.76 2,602.71 -17,860.25 -178.60 -18,038.85 2,280.97 2,459.57 -20,319.82 -20,319.82
181
182
183
184
185
5 6 7 8 9 10 1 2 4
DIFERENÇA
ENTRE O
SALDO
ANTERIOR
DESATUALIZADO NOVO
COM JUROS E A SALDO
JUROS PRESTAÇÃO ATUALIZADO
SOBRE O SALDO LÍQUIDA -----------------
SALDO SALDO ANTERIOR ----------------- SALDO
ANTERIOR ANTERIOR DESATUALIZADO PRESTAÇÃO NOVO SALDO DEVEDOR
DCV % ( 4 ) MPI DFI SC FCVS TS PMT DESATUALIZADO DESATUALIZADO COM JUROS LÍQUIDA AMORTIZAÇÃO DESATUALIZADO FINAL
186
187
188
189
190
191
192
193
194
195
196
197
198
199
200
201
202
203
204
205
206
207
208
209
210
211
212
213
214
215
216
217
218
219
5 6 7 8 9 10 1 2 4
DIFERENÇA
ENTRE O
SALDO
ANTERIOR
DESATUALIZADO NOVO
COM JUROS E A SALDO
JUROS PRESTAÇÃO ATUALIZADO
SOBRE O SALDO LÍQUIDA -----------------
SALDO SALDO ANTERIOR ----------------- SALDO
ANTERIOR ANTERIOR DESATUALIZADO PRESTAÇÃO NOVO SALDO DEVEDOR
DCV % ( 4 ) MPI DFI SC FCVS TS PMT DESATUALIZADO DESATUALIZADO COM JUROS LÍQUIDA AMORTIZAÇÃO DESATUALIZADO FINAL
220
221
222
223
224
225
226
227
228
229
230
231
232
233
234
235
236
237
238
239
240
241
242
243
244
245
246
247
248
249
250
251
252
253
5 6 7 8 9 10 1 2 4
DIFERENÇA
ENTRE O
SALDO
ANTERIOR
DESATUALIZADO NOVO
COM JUROS E A SALDO
JUROS PRESTAÇÃO ATUALIZADO
SOBRE O SALDO LÍQUIDA -----------------
SALDO SALDO ANTERIOR ----------------- SALDO
ANTERIOR ANTERIOR DESATUALIZADO PRESTAÇÃO NOVO SALDO DEVEDOR
DCV % ( 4 ) MPI DFI SC FCVS TS PMT DESATUALIZADO DESATUALIZADO COM JUROS LÍQUIDA AMORTIZAÇÃO DESATUALIZADO FINAL
254
255
256
257
258
259
260
261
262
263
264
265
266
267
268
269
270
271
272
273
274
275
276
277
278
279
280
281
282
283
284
285
286
287
5 6 7 8 9 10 1 2 4
DIFERENÇA
ENTRE O
SALDO
ANTERIOR
DESATUALIZADO NOVO
COM JUROS E A SALDO
JUROS PRESTAÇÃO ATUALIZADO
SOBRE O SALDO LÍQUIDA -----------------
SALDO SALDO ANTERIOR ----------------- SALDO
ANTERIOR ANTERIOR DESATUALIZADO PRESTAÇÃO NOVO SALDO DEVEDOR
DCV % ( 4 ) MPI DFI SC FCVS TS PMT DESATUALIZADO DESATUALIZADO COM JUROS LÍQUIDA AMORTIZAÇÃO DESATUALIZADO FINAL
288
289
290
291
292
293
294
295
296
297
298
299
300
301
302
303
304
305
306
307
308
309
310
311
312
313
314
315
316
317
318
319
320
321
5 6 7 8 9 10 1 2 4
DIFERENÇA
ENTRE O
SALDO
ANTERIOR
DESATUALIZADO NOVO
COM JUROS E A SALDO
JUROS PRESTAÇÃO ATUALIZADO
SOBRE O SALDO LÍQUIDA -----------------
SALDO SALDO ANTERIOR ----------------- SALDO
ANTERIOR ANTERIOR DESATUALIZADO PRESTAÇÃO NOVO SALDO DEVEDOR
DCV % ( 4 ) MPI DFI SC FCVS TS PMT DESATUALIZADO DESATUALIZADO COM JUROS LÍQUIDA AMORTIZAÇÃO DESATUALIZADO FINAL
322
323
324
325
326
327
328
329
330
331
332
333
334
335
336
337
338
339
340
341
342
343
344
345
346
347
348
349
350
351
352
353
354
355
5 6 7 8 9 10 1 2 4
DIFERENÇA
ENTRE O
SALDO
ANTERIOR
DESATUALIZADO NOVO
COM JUROS E A SALDO
JUROS PRESTAÇÃO ATUALIZADO
SOBRE O SALDO LÍQUIDA -----------------
SALDO SALDO ANTERIOR ----------------- SALDO
ANTERIOR ANTERIOR DESATUALIZADO PRESTAÇÃO NOVO SALDO DEVEDOR
DCV % ( 4 ) MPI DFI SC FCVS TS PMT DESATUALIZADO DESATUALIZADO COM JUROS LÍQUIDA AMORTIZAÇÃO DESATUALIZADO FINAL
356
357
358
359
360
Totalização ( 3ª. Interpretação )
Soma das Prestações Líquidas 694,226.18
+ Valor Residual na última linha do Quadro de Amortização -20,319.82
Total a Prazo Líquido 673,906.36
Total a Prazo Líquido 673,906.36
- Valor Financiado 200,000.00
Acréscimo Total Líquido 473,906.36
Soma das Prestações Líquidas 694,226.18
+ Soma dos pagamentos de Seguro de Morte ou Permanente Invalidez 41,848.99
+ Soma dos pagamentos de Seguro de Danos Físicos do Imóvel 7,316.54
+ Soma dos pagamentos de Seguro de Crédito 31,875.06
+ Soma dos pagamentos para o Fundo de Compensação de Variações Salariais 0.00
+ Soma das Taxas de Serviço ou Taxas de Administração 3,950.12
Soma das Prestações Mensais Totais 779,216.89
Soma das Prestações Mensais Totais 779,216.89
+ Valor Residual na última linha do Quadro de Amortização -20,319.82
Total a Prazo 758,897.07
Total a Prazo 758,897.07
- Valor Financiado 200,000.00
Acréscimo Total 558,897.07
LEIA A OBSERVAÇÃO LOGO ABAIXO
NOTA-SE QUE O SALDO DEVEDOR ESTÁ NEGATIVO NA ÚLTIMA LINHA DO QUADRO DE AMORTIZA-
ÇÃO. AINDA PERCEBE-SE NESTE CASO QUE O MESMO JÁ VINHA NEGATIVO. POR CAUSA DISSO DE-
VE-SE RESSALTAR QUE O PROCEDIMENTO DE CÁLCULO DOS VALORES DO QUADRO DE AMORTIZA-
ÇÃO PERMANECEU IDÊNTICO DURANTE TODA A SUA ELABORAÇÃO ( ISTO INCLUE TAMBÉM O CÁL-
CULO DOS JUROS MENSAIS SOBRE OS SALDOS DEVEDORES NEGATIVOS ).
ATENÇÃO :
=> EM TODAS AS SEÇÕES DE TODAS AS PLANILHAS, TODO SALDO DEVEDOR NEGATIVO NÃO
CORRESPONDE AO VALOR EXCEDENTE A SER DEVOLVIDO . OS JUROS FORAM APLICADOS
MESMO APÓS A MUDANÇA DE SINAL . O OBJETIVO É MANTER O CRITÉRIO DE CÁLCULO EM
TODAS AS LINHAS DE TODOS OS TIPOS DIFERENTES DE QUADROS PARA NÃO CAUSAR
CONFUSÃO AO USUÁRIO .
DESTA FORMA, PARA A RÁPIDA DETERMINAÇÃO DO VALOR ( APENAS CORRIGIDO ) A SER
PRESTAÇÕES PAGAS EM EXCESSO DE ACORDO COM O CÁLCULO . INCLUSIVE CONSIDERANDO
O PRIMEIRO SALDO NEGATIVO COMO O VALOR INICIAL A SER ATUALIZADO ( ALTERADO DEPOIS
DA CÓPIA PARA POSITIVO NA SEÇÃO ) . ESTE VALOR DEVE ESTAR SITUADO NO MÊS
ANTERIOR AO DA PRIMEIRA PRESTAÇÃO PAGA EM EXCESSO ( DA RELAÇÃO DE PRESTAÇÕES
PAGAS A PARTIR DO MÊS SEGUINTE AO PRIMEIRO SALDO NEGATIVO PROVENIENTES DO MESMO
FINALMENTE, BASTANDO APENAS COPIAR ( E SE PRECISO ACRESCENTAR ) AS VARIAÇÕES
PERCENTUAIS DE CORREÇÃO MONETÁRIA DO QUADRO DE ORIGEM .
Quadro de Evolução do Saldo Devedor baseado em regime de JUROS SIMPLES
Característica:
PMT : Introduzida pelo usuário.
Principal Devido para o cálculo do Saldo Devedor : Corrigido pelo
campo % ( 4A ) .
MPI : Introduzido pelo usuário.
DFI : Introduzido pelo usuário.
SC : Introduzido pelo usuário.
FCVS : Introduzido pelo usuário.
TS : Introduzida pelo usuário.
Legenda especial para Juros Simples :
DCV : Divisor de Conversão de Valor ( moeda )
1A - Juros Mensais da Prestação
1B - Juros Mensais para a Quitação do Financiamento
2 - Prestação Líquida ( para amortização )
3 - Amortização ( do Principal Não Corrigido "Juros Simples" )
4A - Principal Devido Não Corrigido Antes de Efetuado o Pagamento
4B - Saldo Devedor Após Efetuado o Pagamento
5 - Seguro de Morte ou Permanente Invalidez ( MPI )
6 - Seguro de Danos Físicos do Imóvel ( DFI )
7 - Seguro de Crédito ( SC )
8 - Fundo de Compensação de Variações Salariais ( FCVS )
9 - Taxa de Serviço ou Taxa de Administração ( TS )
10 - Prestação Mensal Total ( PMT )
DEVOLVIDO, DEVE-SE COPIAR PARA A SEÇÃO DEVOLUÇÃO TODAS OS VALORES DAS
QUADRO DE ORIGEM COPIADAS PARA A SEÇÃO DEVOLUÇÃO ) .
1 Dados iniciais.
12% por 360 dias é equivalente a 0,948879% por 30 dias
12% por 360 dias é proporcional a 1% por 30 dias
1.000000% Taxa de Juros por 30 dias
200,000.00
180 Quantidade de Prestações
11
1994
2 Posição mês a mês do financiamento.
Não imprima diretamente esta seção, proceda da seguinte forma:
Selecione "arrastando" com o mouse a área que deseja imprimir, depois pressione as
5 6 7 8 9 10 2 1A 3 4A 1B
VALOR
PRESENTE
NÃO
CORRIGIDO
DA PREST. JUROS DO
-------------- PRINCIPAL PRINCIPAL PRINCIPAL
JUROS DO AMORTIZ. DEVIDO NÃO DEVIDO DEVIDO
VALOR VALOR MENSAL DO CORRIGIDO CORRIGIDO CORRIGIDO
%JUROS PRESENTE PRESENTE PRINCIPAL ANTES DE ANTES DE ANTES DE
% ( 4A ) DCV SIMPLES PREST. CORRIGIDO CORRIGIDO NÃO EFETUADO O EFETUADO O EFETUADO O
DCV % ( 4A ) MPI DFI SC FCVS TS PMT ACUMULADA ACUMULADO PROPORC. LÍQUIDA DA PREST. DA PREST. CORRIGIDO PAGAMENTO PAGAMENTO PAGAMENTO
1 11 ### 1 2.5551### 127.00 22.20 205.11 0.00 12.00 3,556.91 2.555100 1 1.000000 3,190.60 3,159.01 31.59 3,080.31 200,000.00 205,110.20 2,051.10
2 12 1 2.9210### 130.71 22.85 209.93 0.00 12.35 3,647.91 5.550734 1 2.000000 3,272.07 3,207.91 64.16 3,039.21 196,919.69 207,850.18 4,157.00
3 1 ### 1 2.8731### 134.47 23.51 214.75 0.00 12.70 3,739.45 8.583313 1 3.000000 3,354.02 3,256.33 97.69 2,998.92 193,880.48 210,521.85 6,315.66
4 2 1 2.1013### 137.30 24.00 218.03 0.00 12.97 3,804.48 10.864974 1 4.000000 3,412.18 3,280.94 131.24 2,959.40 190,881.56 211,620.79 8,464.83
5 3 1 1.8531### 139.84 24.44 220.82 0.00 13.21 3,861.18 12.919413 1 5.000000 3,462.87 3,297.97 164.90 2,920.64 187,922.16 212,200.60 10,610.03
6 4 1 2.2998### 143.06 25.00 224.62 0.00 13.51 3,935.85 15.516333 1 6.000000 3,529.66 3,329.87 199.79 2,882.60 185,001.52 213,706.97 12,822.42
7 5 1 3.4667### 148.02 25.87 231.07 0.00 13.98 4,057.68 19.520938 1 7.000000 3,638.74 3,400.69 238.05 2,845.27 182,118.92 217,670.24 15,236.92
8 6 1 3.2471### 152.83 26.71 237.21 0.00 14.43 4,174.37 23.401902 1 8.000000 3,743.19 3,465.92 277.27 2,808.64 179,273.65 221,227.09 17,698.17
9 7 1 2.8863### 157.24 27.48 242.64 0.00 14.85 4,279.33 26.963651 1 9.000000 3,837.12 3,520.29 316.83 2,772.68 176,465.01 224,046.42 20,164.18
10 8 1 2.9905### 161.94 28.30 248.44 0.00 15.29 4,391.31 30.760499 1 10.000000 3,937.34 3,579.40 357.94 2,737.37 173,692.33 227,120.96 22,712.10
11 9 1 2.6045### 166.16 29.04 253.43 0.00 15.69 4,489.30 34.166157 1 11.000000 4,024.98 3,626.11 398.87 2,702.70 170,954.96 229,363.70 25,230.01
12 10 1 1.9393### 169.38 29.60 256.82 0.00 15.99 4,559.64 36.768041 1 12.000000 4,087.85 3,649.87 437.98 2,668.66 168,252.26 230,115.32 27,613.84
13 11 1 1.6540### 172.18 30.09 259.52 0.00 16.25 4,618.05 39.030184 1 13.000000 4,140.01 3,663.73 476.28 2,635.20 165,583.60 230,211.18 29,927.45
14 12 1 1.4387### 174.66 30.52 261.69 0.00 16.48 4,667.26 41.030412 1 14.000000 4,183.91 3,670.10 513.81 2,602.35 162,948.40 229,806.80 32,172.95
15 1 ### 1 1.3400### 177.00 30.93 263.61 0.00 16.70 4,712.32 42.920219 1 15.000000 4,224.08 3,673.11 550.97 2,570.04 160,346.05 229,166.93 34,375.04
16 2 1 1.2526### 179.22 31.32 265.30 0.00 16.91 4,753.66 44.710438 1 16.000000 4,260.91 3,673.20 587.71 2,538.31 157,776.01 228,318.35 36,530.94
17 3 1 0.9625### 180.94 31.62 266.23 0.00 17.07 4,781.55 46.103276 1 17.000000 4,285.69 3,662.98 622.71 2,507.12 155,237.70 226,807.36 38,557.25
valor Financiado
Número do mês ( 1ª. linha do Quadro de Amortiz. )
Ano ( 1ª. linha do Quadro de Amortização )
teclas Ctrl + P e no ítem Imprimir clique em Seleção.
5 6 7 8 9 10 2 1A 3 4A 1B
VALOR
PRESENTE
NÃO
CORRIGIDO
DA PREST. JUROS DO
-------------- PRINCIPAL PRINCIPAL PRINCIPAL
JUROS DO AMORTIZ. DEVIDO NÃO DEVIDO DEVIDO
VALOR VALOR MENSAL DO CORRIGIDO CORRIGIDO CORRIGIDO
%JUROS PRESENTE PRESENTE PRINCIPAL ANTES DE ANTES DE ANTES DE
% ( 4A ) DCV SIMPLES PREST. CORRIGIDO CORRIGIDO NÃO EFETUADO O EFETUADO O EFETUADO O
DCV % ( 4A ) MPI DFI SC FCVS TS PMT ACUMULADA ACUMULADO PROPORC. LÍQUIDA DA PREST. DA PREST. CORRIGIDO PAGAMENTO PAGAMENTO PAGAMENTO
18 4 1 0.8139### 182.41 31.88 266.76 0.00 17.21 4,802.47 47.292410 1 18.000000 4,304.21 3,647.64 656.57 2,476.46 152,730.58 224,960.55 40,492.90
19 5 1 0.6597### 183.61 32.09 266.88 0.00 17.32 4,816.03 48.264098 1 19.000000 4,316.13 3,627.00 689.13 2,446.31 150,254.12 222,772.92 42,326.85
20 6 1 0.5888### 184.69 32.28 266.79 0.00 17.42 4,826.16 49.137077 1 20.000000 4,324.98 3,604.15 720.83 2,416.67 147,807.81 220,436.25 44,087.25
21 7 1 0.6099### 185.82 32.48 266.75 0.00 17.53 4,837.26 50.046664 1 21.000000 4,334.68 3,582.38 752.30 2,387.51 145,391.14 218,154.56 45,812.46
22 8 1 0.5851### 186.91 32.67 266.63 0.00 17.63 4,847.12 50.924587 1 22.000000 4,343.28 3,560.07 783.21 2,358.84 143,003.63 215,827.64 47,482.08
23 9 1 0.6275### 188.08 32.88 266.62 0.00 17.74 4,858.98 51.871639 1 23.000000 4,353.66 3,539.56 814.10 2,330.63 140,644.79 213,599.55 49,127.90
24 10 1 0.6620### 189.33 33.10 266.69 0.00 17.86 4,872.46 52.877029 1 24.000000 4,365.48 3,520.55 844.93 2,302.86 138,314.16 211,450.58 50,748.14
25 11 1 0.7419### 190.73 33.35 266.95 0.00 17.99 4,889.78 54.011224 1 25.000000 4,380.76 3,504.61 876.15 2,275.55 136,011.30 209,472.67 52,368.17
26 12 1 0.8146### 192.28 33.62 267.40 0.00 18.14 4,910.63 55.265800 1 26.000000 4,399.19 3,491.42 907.77 2,248.67 133,735.75 207,645.88 53,987.93
27 1 ### 1 0.8717### 193.96 33.91 267.99 0.00 18.30 4,934.30 56.619252 1 27.000000 4,420.14 3,480.43 939.71 2,222.22 131,487.08 205,934.08 55,602.20
28 2 1 0.7440### 195.40 34.16 268.23 0.00 18.44 4,951.73 57.784499 1 28.000000 4,435.50 3,465.23 970.27 2,196.18 129,264.86 203,959.91 57,108.77
29 3 1 0.6616### 196.69 34.39 268.24 0.00 18.56 4,965.08 58.828401 1 29.000000 4,447.20 3,447.44 999.76 2,170.54 127,068.68 201,821.15 58,528.13
30 4 1 0.6316### 197.93 34.61 268.16 0.00 18.68 4,976.91 59.831561 1 30.000000 4,457.53 3,428.87 1,028.66 2,145.30 124,898.14 199,626.65 59,888.00
31 5 1 0.6211### 199.16 34.82 268.04 0.00 18.80 4,988.16 60.824275 1 31.000000 4,467.34 3,410.18 1,057.16 2,120.44 122,752.84 197,416.37 61,199.07
32 6 1 0.6354### 200.43 35.04 267.95 0.00 18.92 5,000.09 61.846152 1 32.000000 4,477.75 3,392.23 1,085.52 2,095.96 120,632.40 195,238.90 62,476.45
33 7 1 0.6535### 201.74 35.27 267.89 0.00 19.04 5,012.84 62.903817 1 33.000000 4,488.90 3,375.11 1,113.79 2,071.84 118,536.44 193,100.39 63,723.13
34 8 1 0.6580### 203.07 35.50 267.83 0.00 19.17 5,025.79 63.975724 1 34.000000 4,500.22 3,358.37 1,141.85 2,048.09 116,464.60 190,973.67 64,931.05
35 9 1 0.6270### 204.34 35.72 267.67 0.00 19.29 5,037.12 65.003852 1 35.000000 4,510.10 3,340.81 1,169.29 2,024.69 114,416.51 188,791.65 66,077.08
36 10 1 0.6474### 205.66 35.95 267.56 0.00 19.41 5,049.43 66.072087 1 36.000000 4,520.85 3,324.15 1,196.70 2,001.63 112,391.82 186,651.44 67,194.52
37 11 1 0.6553### 207.01 36.19 267.46 0.00 19.54 5,062.10 67.160357 1 37.000000 4,531.90 3,307.96 1,223.94 1,978.91 110,390.19 184,528.64 68,275.60
38 12 1 1.5334### 210.18 36.74 269.67 0.00 19.84 5,118.97 69.723594 1 38.000000 4,582.54 3,320.68 1,261.86 1,956.52 108,411.28 183,999.52 69,919.82
39 1 ### 1 1.3085### 212.93 37.22 271.29 0.00 20.10 5,164.94 71.944427 1 39.000000 4,623.40 3,326.19 1,297.21 1,934.46 106,454.76 183,043.03 71,386.78
40 2 1 1.1459### 215.37 37.65 272.47 0.00 20.33 5,202.87 73.914739 1 40.000000 4,657.05 3,326.46 1,330.59 1,912.70 104,520.30 181,776.21 72,710.48
41 3 1 0.4461### 216.33 37.82 271.74 0.00 20.42 5,204.73 74.690572 1 41.000000 4,658.42 3,303.84 1,354.58 1,891.25 102,607.60 179,245.80 73,490.78
42 4 1 0.8995### 218.28 38.16 272.23 0.00 20.60 5,229.99 76.261914 1 42.000000 4,680.72 3,296.28 1,384.44 1,870.10 100,716.35 177,524.57 74,560.32
43 5 1 0.4720### 219.31 38.34 271.54 0.00 20.70 5,233.03 77.093870 1 43.000000 4,683.14 3,274.92 1,408.22 1,849.26 98,846.25 175,050.65 75,271.78
44 6 1 0.4543### 220.31 38.51 270.80 0.00 20.79 5,235.06 77.898408 1 44.000000 4,684.65 3,253.23 1,431.42 1,828.70 96,996.99 172,556.10 75,924.68
45 7 1 0.4913### 221.39 38.70 270.15 0.00 20.89 5,238.94 78.772423 1 45.000000 4,687.81 3,232.97 1,454.84 1,808.43 95,168.29 170,134.66 76,560.60
46 8 1 0.5503### 222.61 38.91 269.63 0.00 21.00 5,245.78 79.756207 1 46.000000 4,693.63 3,214.82 1,478.81 1,788.43 93,359.86 167,820.14 77,197.26
47 9 1 0.3749### 223.44 39.06 268.64 0.00 21.08 5,243.40 80.430113 1 47.000000 4,691.18 3,191.28 1,499.90 1,768.71 91,571.43 165,222.43 77,654.54
48 10 1 0.4512### 224.45 39.24 267.84 0.00 21.18 5,244.92 81.244214 1 48.000000 4,692.21 3,170.41 1,521.80 1,749.25 89,802.72 162,762.23 78,125.87
49 11 1 0.8892### 226.45 39.59 268.19 0.00 21.37 5,269.22 82.855837 1 49.000000 4,713.62 3,163.50 1,550.12 1,730.05 88,053.47 161,010.91 78,895.35
50 12 1 0.6136### 227.84 39.83 267.79 0.00 21.50 5,279.06 83.977841 1 50.000000 4,722.10 3,148.07 1,574.03 1,711.11 86,323.42 158,815.96 79,407.98
51 1 ### 1 0.7434### 229.53 40.13 267.72 0.00 21.66 5,295.66 85.345532 1 51.000000 4,736.62 3,136.83 1,599.79 1,692.42 84,612.31 156,825.14 79,980.82
5 6 7 8 9 10 2 1A 3 4A 1B
VALOR
PRESENTE
NÃO
CORRIGIDO
DA PREST. JUROS DO
-------------- PRINCIPAL PRINCIPAL PRINCIPAL
JUROS DO AMORTIZ. DEVIDO NÃO DEVIDO DEVIDO
VALOR VALOR MENSAL DO CORRIGIDO CORRIGIDO CORRIGIDO
%JUROS PRESENTE PRESENTE PRINCIPAL ANTES DE ANTES DE ANTES DE
% ( 4A ) DCV SIMPLES PREST. CORRIGIDO CORRIGIDO NÃO EFETUADO O EFETUADO O EFETUADO O
DCV % ( 4A ) MPI DFI SC FCVS TS PMT ACUMULADA ACUMULADO PROPORC. LÍQUIDA DA PREST. DA PREST. CORRIGIDO PAGAMENTO PAGAMENTO PAGAMENTO
52 2 1 0.5163### 230.72 40.34 267.03 0.00 21.77 5,300.21 86.302471 1 52.000000 4,740.35 3,118.65 1,621.70 1,673.97 82,919.89 154,481.80 80,330.54
53 3 1 0.8298### 232.63 40.67 267.16 0.00 21.95 5,321.23 87.848409 1 53.000000 4,758.82 3,110.34 1,648.48 1,655.77 81,245.92 152,619.17 80,888.16
54 4 1 1.1614### 235.33 41.14 268.15 0.00 22.20 5,359.80 90.030080 1 54.000000 4,792.98 3,112.32 1,680.66 1,637.80 79,590.15 151,245.23 81,672.42
55 5 1 0.6092### 236.76 41.39 267.66 0.00 22.34 5,369.08 91.187744 1 55.000000 4,800.93 3,097.37 1,703.56 1,620.07 77,952.35 149,035.34 81,969.44
56 6 1 0.5761### 238.12 41.63 267.07 0.00 22.47 5,376.52 92.289176 1 56.000000 4,807.23 3,081.56 1,725.67 1,602.57 76,332.28 146,778.71 82,196.08
57 7 1 0.3108### 238.86 41.76 265.76 0.00 22.54 5,369.66 92.886811 1 57.000000 4,800.74 3,057.80 1,742.94 1,585.28 74,729.71 144,143.75 82,161.94
58 8 1 0.2933### 239.56 41.88 264.39 0.00 22.61 5,361.77 93.452548 1 58.000000 4,793.33 3,033.75 1,759.58 1,568.21 73,144.43 141,499.76 82,069.86
59 9 1 0.2945### 240.27 42.00 263.01 0.00 22.68 5,353.85 94.022266 1 59.000000 4,785.89 3,009.99 1,775.90 1,551.36 71,576.22 138,873.80 81,935.54
60 10 1 0.2715### 240.92 42.11 261.56 0.00 22.74 5,344.60 94.549036 1 60.000000 4,777.27 2,985.79 1,791.48 1,534.72 70,024.86 136,232.69 81,739.61
61 11 1 0.2265### 241.47 42.21 259.99 0.00 22.79 5,332.87 94.989690 1 61.000000 4,766.41 2,960.50 1,805.91 1,518.29 68,490.14 133,548.71 81,464.71
62 12 1 0.1998### 241.95 42.29 258.34 0.00 22.84 5,319.64 95.379279 1 62.000000 4,754.22 2,934.70 1,819.52 1,502.05 66,971.85 130,849.12 81,126.45
63 1 ### 1 0.2998### 242.68 42.42 256.93 0.00 22.91 5,311.64 95.965026 1 63.000000 4,746.70 2,912.09 1,834.61 1,486.03 65,469.80 128,297.91 80,827.68
64 2 1 0.2149### 243.20 42.51 255.30 0.00 22.96 5,299.06 96.386155 1 64.000000 4,735.09 2,887.25 1,847.84 1,470.19 63,983.77 125,655.27 80,419.37
65 3 1 0.2328### 243.77 42.61 253.71 0.00 23.01 5,287.34 96.843342 1 65.000000 4,724.24 2,863.18 1,861.06 1,454.55 62,513.58 123,053.82 79,984.98
66 4 1 0.2242### 244.32 42.71 252.09 0.00 23.06 5,275.09 97.284665 1 66.000000 4,712.91 2,839.10 1,873.81 1,439.09 61,059.03 120,460.10 79,503.67
67 5 1 0.1301### 244.64 42.77 250.22 0.00 23.09 5,257.82 97.541332 1 67.000000 4,697.10 2,812.63 1,884.47 1,423.82 59,619.94 117,774.02 78,908.59
68 6 1 0.2492### 245.25 42.88 248.64 0.00 23.15 5,246.72 98.033605 1 68.000000 4,686.80 2,789.76 1,897.04 1,408.73 58,196.12 115,247.87 78,368.55
69 7 1 0.2140### 245.77 42.97 246.97 0.00 23.20 5,233.69 98.457397 1 69.000000 4,674.78 2,766.14 1,908.64 1,393.82 56,787.39 112,698.78 77,762.16
70 8 1 0.1547### 246.15 43.04 245.14 0.00 23.24 5,217.48 98.764411 1 70.000000 4,659.91 2,741.12 1,918.79 1,379.08 55,393.57 110,102.70 77,071.89
71 9 1 0.2025### 246.65 43.13 243.43 0.00 23.29 5,203.72 99.166909 1 71.000000 4,647.22 2,717.67 1,929.55 1,364.52 54,014.49 107,578.99 76,381.08
72 10 1 0.1038### 246.91 43.17 241.46 0.00 23.31 5,184.74 99.373644 1 72.000000 4,629.89 2,691.80 1,938.09 1,350.13 52,649.97 104,970.16 75,578.52
73 11 1 0.1316### 247.23 43.23 239.56 0.00 23.34 5,167.17 99.636020 1 73.000000 4,613.81 2,666.94 1,946.87 1,335.90 51,299.84 102,412.96 74,761.46
74 12 1 0.1197### 247.53 43.28 237.63 0.00 23.37 5,148.93 99.874984 1 74.000000 4,597.12 2,642.02 1,955.10 1,321.84 49,963.94 99,865.42 73,900.41
75 1 ### 1 0.0991### 247.78 43.32 235.64 0.00 23.39 5,129.58 100.073060 1 75.000000 4,579.45 2,616.83 1,962.62 1,307.94 48,642.10 97,319.74 72,989.81
76 2 1 0.1369### 248.12 43.38 233.74 0.00 23.42 5,112.12 100.346960 1 76.000000 4,563.46 2,592.88 1,970.58 1,294.19 47,334.16 94,832.55 72,072.74
77 3 1 0.0368### 248.21 43.40 231.60 0.00 23.43 5,089.52 100.420688 1 77.000000 4,542.88 2,566.60 1,976.28 1,280.61 46,039.97 92,273.62 71,050.69
78 4 1 0.1724### 248.64 43.47 229.77 0.00 23.47 5,073.75 100.766213 1 78.000000 4,528.40 2,544.04 1,984.36 1,267.17 44,759.36 89,861.67 70,092.10
79 5 1 0.1546### 249.02 43.54 227.89 0.00 23.51 5,057.00 101.076598 1 79.000000 4,513.04 2,521.25 1,991.79 1,253.88 43,492.19 87,452.62 69,087.57
80 6 1 0.1827### 249.47 43.62 226.07 0.00 23.55 5,041.62 101.443965 1 80.000000 4,498.91 2,499.39 1,999.52 1,240.74 42,238.31 85,086.53 68,069.22
81 7 1 0.1458### 249.83 43.68 224.15 0.00 23.58 5,024.29 101.737670 1 81.000000 4,483.05 2,476.82 2,006.23 1,227.74 40,997.57 82,707.54 66,993.11
82 8 1 0.2441### 250.44 43.79 222.45 0.00 23.64 5,011.85 102.230112 1 82.000000 4,471.53 2,456.88 2,014.65 1,214.89 39,769.83 80,426.57 65,949.79
83 9 1 0.3436### 251.30 43.94 220.96 0.00 23.72 5,004.27 102.924974 1 83.000000 4,464.35 2,439.54 2,024.81 1,202.19 38,554.94 78,237.60 64,937.21
84 10 1 0.1627### 251.71 44.01 219.06 0.00 23.76 4,987.57 103.255133 1 84.000000 4,449.03 2,417.95 2,031.08 1,189.61 37,352.75 75,921.38 63,773.96
85 11 1 0.0000### 251.71 44.01 216.81 0.00 23.76 4,962.74 103.255133 1 85.000000 4,426.45 2,392.68 2,033.77 1,177.18 36,163.14 73,503.44 62,477.92
5 6 7 8 9 10 2 1A 3 4A 1B
VALOR
PRESENTE
NÃO
CORRIGIDO
DA PREST. JUROS DO
-------------- PRINCIPAL PRINCIPAL PRINCIPAL
JUROS DO AMORTIZ. DEVIDO NÃO DEVIDO DEVIDO
VALOR VALOR MENSAL DO CORRIGIDO CORRIGIDO CORRIGIDO
%JUROS PRESENTE PRESENTE PRINCIPAL ANTES DE ANTES DE ANTES DE
% ( 4A ) DCV SIMPLES PREST. CORRIGIDO CORRIGIDO NÃO EFETUADO O EFETUADO O EFETUADO O
DCV % ( 4A ) MPI DFI SC FCVS TS PMT ACUMULADA ACUMULADO PROPORC. LÍQUIDA DA PREST. DA PREST. CORRIGIDO PAGAMENTO PAGAMENTO PAGAMENTO
86 12 1 0.0000### 251.71 44.01 214.55 0.00 23.76 4,937.90 103.255133 1 86.000000 4,403.87 2,367.67 2,036.20 1,164.88 34,985.96 71,110.76 61,155.25
87 1 ### 1 0.0000### 251.71 44.01 212.29 0.00 23.76 4,913.06 103.255133 1 87.000000 4,381.29 2,342.94 2,038.35 1,152.71 33,821.08 68,743.08 59,806.48
88 2 1 0.0000### 251.71 44.01 210.03 0.00 23.76 4,888.19 103.255133 1 88.000000 4,358.68 2,318.45 2,040.23 1,140.66 32,668.37 66,400.14 58,432.12
89 3 1 0.0000### 251.71 44.01 207.77 0.00 23.76 4,863.35 103.255133 1 89.000000 4,336.10 2,294.23 2,041.87 1,128.74 31,527.71 64,081.69 57,032.70
90 4 1 0.0000### 251.71 44.01 205.51 0.00 23.76 4,838.51 103.255133 1 90.000000 4,313.52 2,270.27 2,043.25 1,116.96 30,398.97 61,787.47 55,608.72
91 5 1 0.0000### 251.71 44.01 203.26 0.00 23.76 4,813.68 103.255133 1 91.000000 4,290.94 2,246.57 2,044.37 1,105.30 29,282.01 59,517.19 54,160.64
92 6 1 0.0000### 251.71 44.01 201.00 0.00 23.76 4,788.84 103.255133 1 92.000000 4,268.36 2,223.10 2,045.26 1,093.75 28,176.71 57,270.61 52,688.96
93 7 1 0.0000### 251.71 44.01 198.74 0.00 23.76 4,764.00 103.255133 1 93.000000 4,245.78 2,199.89 2,045.89 1,082.33 27,082.96 55,047.51 51,194.18
94 8 1 0.0000### 251.71 44.01 196.48 0.00 23.76 4,739.15 103.255133 1 94.000000 4,223.19 2,176.90 2,046.29 1,071.02 26,000.63 52,847.62 49,676.76
95 9 1 0.0000### 251.71 44.01 194.22 0.00 23.76 4,714.31 103.255133 1 95.000000 4,200.61 2,154.16 2,046.45 1,059.83 24,929.61 50,670.71 48,137.17
96 10 1 0.0000### 251.71 44.01 191.96 0.00 23.76 4,689.47 103.255133 1 96.000000 4,178.03 2,131.65 2,046.38 1,048.76 23,869.78 48,516.55 46,575.89
97 11 1 0.0000### 251.71 44.01 189.71 0.00 23.76 4,664.62 103.255133 1 97.000000 4,155.43 2,109.36 2,046.07 1,037.79 22,821.02 46,384.89 44,993.34
98 12 1 0.0000### 251.71 44.01 187.45 0.00 23.76 4,639.78 103.255133 1 98.000000 4,132.85 2,087.30 2,045.55 1,026.94 21,783.23 44,275.53 43,390.02
99 1 ### 1 0.0000### 251.71 44.01 185.19 0.00 23.76 4,614.94 103.255133 1 99.000000 4,110.27 2,065.46 2,044.81 1,016.19 20,756.29 42,188.22 41,766.34
100 2 1 0.0000### 251.71 44.01 182.93 0.00 23.76 4,590.09 103.255133 1 100.000000 4,087.68 2,043.84 2,043.84 1,005.55 19,740.10 40,122.77 40,122.77
101 3 1 0.0000### 251.71 44.01 180.67 0.00 23.76 4,565.25 103.255133 1 101.000000 4,065.10 2,022.44 2,042.66 995.03 18,734.55 38,078.93 38,459.72
102 4 1 0.0000### 251.71 44.01 178.41 0.00 23.76 4,540.41 103.255133 1 102.000000 4,042.52 2,001.25 2,041.27 984.60 17,739.52 36,056.48 36,777.61
103 5 1 0.0000### 251.71 44.01 176.15 0.00 23.76 4,515.57 103.255133 1 103.000000 4,019.94 1,980.27 2,039.67 974.28 16,754.92 34,055.23 35,076.89
104 6 1 0.0000### 251.71 44.01 173.90 0.00 23.76 4,490.74 103.255133 1 104.000000 3,997.36 1,959.49 2,037.87 964.05 15,780.64 32,074.96 33,357.96
105 7 1 0.0000### 251.71 44.01 171.64 0.00 23.76 4,465.90 103.255133 1 105.000000 3,974.78 1,938.92 2,035.86 953.93 14,816.59 30,115.48 31,621.25
106 8 1 0.0000### 251.71 44.01 169.38 0.00 23.76 4,441.03 103.255133 1 106.000000 3,952.17 1,918.53 2,033.64 943.90 13,862.66 28,176.57 29,867.16
107 9 1 0.0000### 251.71 44.01 167.12 0.00 23.76 4,416.19 103.255133 1 107.000000 3,929.59 1,898.35 2,031.24 933.97 12,918.76 26,258.04 28,096.10
108 10 1 0.0000### 251.71 44.01 164.86 0.00 23.76 4,391.35 103.255133 1 108.000000 3,907.01 1,878.37 2,028.64 924.14 11,984.79 24,359.70 26,308.48
109 11 1 0.0000### 251.71 44.01 162.60 0.00 23.76 4,366.51 103.255133 1 109.000000 3,884.43 1,858.58 2,025.85 914.41 11,060.65 22,481.34 24,504.66
110 12 1 0.0000### 251.71 44.01 160.35 0.00 23.76 4,341.68 103.255133 1 110.000000 3,861.85 1,838.98 2,022.87 904.76 10,146.24 20,622.75 22,685.03
111 1 ### 1 0.0000### 251.71 44.01 158.09 0.00 23.76 4,316.84 103.255133 1 111.000000 3,839.27 1,819.56 2,019.71 895.21 9,241.48 18,783.78 20,850.00
112 2 1 0.0000### 251.71 44.01 155.83 0.00 23.76 4,291.99 103.255133 1 112.000000 3,816.68 1,800.32 2,016.36 885.74 8,346.27 16,964.22 18,999.93
113 3 1 0.0000### 251.71 44.01 153.57 0.00 23.76 4,267.15 103.255133 1 113.000000 3,794.10 1,781.27 2,012.83 876.37 7,460.53 15,163.91 17,135.22
114 4 1 0.0000### 251.71 44.01 151.31 0.00 23.76 4,242.31 103.255133 1 114.000000 3,771.52 1,762.39 2,009.13 867.08 6,584.16 13,382.64 15,256.21
115 5 1 0.0000### 251.71 44.01 149.05 0.00 23.76 4,217.45 103.255133 1 115.000000 3,748.92 1,743.68 2,005.24 857.88 5,717.08 11,620.26 13,363.30
116 6 1 0.0000### 251.71 44.01 146.80 0.00 23.76 4,192.62 103.255133 1 116.000000 3,726.34 1,725.16 2,001.18 848.77 4,859.20 9,876.57 11,456.82
117 7 1 0.0000### 251.71 44.01 144.54 0.00 23.76 4,167.78 103.255133 1 117.000000 3,703.76 1,706.80 1,996.96 839.73 4,010.43 8,151.40 9,537.14
118 8 1 0.0000### 251.71 44.01 142.28 0.00 23.76 4,142.93 103.255133 1 118.000000 3,681.17 1,688.61 1,992.56 830.78 3,170.70 6,444.61 7,604.64
119 9 1 0.0000### 251.71 44.01 140.02 0.00 23.76 4,118.09 103.255133 1 119.000000 3,658.59 1,670.59 1,988.00 821.92 2,339.92 4,756.01 5,659.65
5 6 7 8 9 10 2 1A 3 4A 1B
VALOR
PRESENTE
NÃO
CORRIGIDO
DA PREST. JUROS DO
-------------- PRINCIPAL PRINCIPAL PRINCIPAL
JUROS DO AMORTIZ. DEVIDO NÃO DEVIDO DEVIDO
VALOR VALOR MENSAL DO CORRIGIDO CORRIGIDO CORRIGIDO
%JUROS PRESENTE PRESENTE PRINCIPAL ANTES DE ANTES DE ANTES DE
% ( 4A ) DCV SIMPLES PREST. CORRIGIDO CORRIGIDO NÃO EFETUADO O EFETUADO O EFETUADO O
DCV % ( 4A ) MPI DFI SC FCVS TS PMT ACUMULADA ACUMULADO PROPORC. LÍQUIDA DA PREST. DA PREST. CORRIGIDO PAGAMENTO PAGAMENTO PAGAMENTO
120 10 1 0.0000### 251.71 44.01 137.76 0.00 23.76 4,093.25 103.255133 1 120.000000 3,636.01 1,652.73 1,983.28 813.13 1,518.00 3,085.41 3,702.49
121 11 1 0.0000### 251.71 44.01 135.50 0.00 23.76 4,068.41 103.255133 1 121.000000 3,613.43 1,635.04 1,978.39 804.43 704.87 1,432.68 1,733.54
122 12 1 0.0000### 251.71 44.01 133.25 0.00 23.76 4,043.58 103.255133 1 122.000000 3,590.85 1,617.50 1,973.35 795.80 -99.56 -202.36 -246.88
123 1 ### 1 0.0000### 251.71 44.01 130.99 0.00 23.76 4,018.74 103.255133 1 123.000000 3,568.27 1,600.12 1,968.15 787.25 -895.36 -1,819.87 -2,238.44
124 2 1 0.0000### 251.71 44.01 128.73 0.00 23.76 3,993.87 103.255133 1 124.000000 3,545.66 1,582.88 1,962.78 778.77 -1,682.61 -3,419.99 -4,240.79
125 3 1 0.0000### 251.71 44.01 126.47 0.00 23.76 3,969.03 103.255133 1 125.000000 3,523.08 1,565.81 1,957.27 770.37 -2,461.38 -5,002.88 -6,253.60
126 4 1 0.0000### 251.71 44.01 124.21 0.00 23.76 3,944.19 103.255133 1 126.000000 3,500.50 1,548.89 1,951.61 762.04 -3,231.75 -6,568.70 -8,276.56
127 5 1 0.0000### 251.71 44.01 121.95 0.00 23.76 3,919.35 103.255133 1 127.000000 3,477.92 1,532.12 1,945.80 753.79 -3,993.79 -8,117.58 -10,309.33
128 6 1 0.0000### 251.71 44.01 119.70 0.00 23.76 3,894.52 103.255133 1 128.000000 3,455.34 1,515.50 1,939.84 745.61 -4,747.58 -9,649.70 -12,351.62
129 7 1 0.0000### 251.71 44.01 117.44 0.00 23.76 3,869.68 103.255133 1 129.000000 3,432.76 1,499.02 1,933.74 737.51 -5,493.19 -11,165.19 -14,403.10
130 8 1 0.0000### 251.71 44.01 115.18 0.00 23.76 3,844.83 103.255133 1 130.000000 3,410.17 1,482.68 1,927.49 729.47 -6,230.70 -12,664.22 -16,463.49
131 9 1 0.0000### 251.71 44.01 112.92 0.00 23.76 3,819.99 103.255133 1 131.000000 3,387.59 1,466.49 1,921.10 721.50 -6,960.17 -14,146.90 -18,532.44
132 10 1 0.0000### 251.71 44.01 110.66 0.00 23.76 3,795.15 103.255133 1 132.000000 3,365.01 1,450.44 1,914.57 713.61 -7,681.67 -15,613.39 -20,609.67
133 11 1 0.0000### 251.71 44.01 108.40 0.00 23.76 3,770.29 103.255133 1 133.000000 3,342.41 1,434.51 1,907.90 705.77 -8,395.28 -17,063.84 -22,694.91
134 12 1 0.0000### 251.71 44.01 106.14 0.00 23.76 3,745.45 103.255133 1 134.000000 3,319.83 1,418.73 1,901.10 698.00 -9,101.05 -18,498.35 -24,787.79
135 1 ### 1 0.0000### 251.71 44.01 103.89 0.00 23.76 3,720.62 103.255133 1 135.000000 3,297.25 1,403.09 1,894.16 690.31 -9,799.05 -19,917.07 -26,888.04
136 2 1 0.0000### 251.71 44.01 101.63 0.00 23.76 3,695.77 103.255133 1 136.000000 3,274.66 1,387.57 1,887.09 682.67 -10,489.36 -21,320.16 -28,995.42
137 3 1 0.0000### 251.71 44.01 99.37 0.00 23.76 3,670.93 103.255133 1 137.000000 3,252.08 1,372.19 1,879.89 675.11 -11,172.03 -22,707.72 -31,109.58
138 4 1 0.0000### 251.71 44.01 97.11 0.00 23.76 3,646.09 103.255133 1 138.000000 3,229.50 1,356.93 1,872.57 667.60 -11,847.14 -24,079.92 -33,230.29
139 5 1 0.0000### 251.71 44.01 94.85 0.00 23.76 3,621.25 103.255133 1 139.000000 3,206.92 1,341.81 1,865.11 660.16 -12,514.74 -25,436.85 -35,357.22
140 6 1 0.0000### 251.71 44.01 92.59 0.00 23.76 3,596.41 103.255133 1 140.000000 3,184.34 1,326.81 1,857.53 652.78 -13,174.90 -26,778.66 -37,490.12
141 7 1 0.0000### 251.71 44.01 90.34 0.00 23.76 3,571.58 103.255133 1 141.000000 3,161.76 1,311.93 1,849.83 645.46 -13,827.68 -28,105.47 -39,628.71
142 8 1 0.0000### 251.71 44.01 88.08 0.00 23.76 3,546.71 103.255133 1 142.000000 3,139.15 1,297.17 1,841.98 638.20 -14,473.14 -29,417.40 -41,772.71
143 9 1 0.0000### 251.71 44.01 85.82 0.00 23.76 3,521.87 103.255133 1 143.000000 3,116.57 1,282.54 1,834.03 631.00 -15,111.34 -30,714.57 -43,921.84
144 10 1 0.0000### 251.71 44.01 83.56 0.00 23.76 3,497.03 103.255133 1 144.000000 3,093.99 1,268.03 1,825.96 623.86 -15,742.34 -31,997.11 -46,075.84
145 11 1 0.0000### 251.71 44.01 81.30 0.00 23.76 3,472.19 103.255133 1 145.000000 3,071.41 1,253.64 1,817.77 616.78 -16,366.20 -33,265.14 -48,234.45
146 12 1 0.0000### 251.71 44.01 79.04 0.00 23.76 3,447.35 103.255133 1 146.000000 3,048.83 1,239.36 1,809.47 609.76 -16,982.98 -34,518.78 -50,397.42
147 1 ### 1 0.0000### 251.71 44.01 76.79 0.00 23.76 3,422.52 103.255133 1 147.000000 3,026.25 1,225.20 1,801.05 602.79 -17,592.74 -35,758.15 -52,564.48
148 2 1 0.0000### 251.71 44.01 74.53 0.00 23.76 3,397.67 103.255133 1 148.000000 3,003.66 1,211.15 1,792.51 595.88 -18,195.53 -36,983.35 -54,735.36
149 3 1 0.0000### 251.71 44.01 72.27 0.00 23.76 3,372.83 103.255133 1 149.000000 2,981.08 1,197.22 1,783.86 589.02 -18,791.41 -38,194.51 -56,909.82
150 4 1 0.0000### 251.71 44.01 70.01 0.00 23.76 3,347.99 103.255133 1 150.000000 2,958.50 1,183.40 1,775.10 582.22 -19,380.43 -39,391.72 -59,087.58
151 5 1 0.0000### 251.71 44.01 67.75 0.00 23.76 3,323.15 103.255133 1 151.000000 2,935.92 1,169.69 1,766.23 575.48 -19,962.65 -40,575.11 -61,268.42
152 6 1 0.0000### 251.71 44.01 65.49 0.00 23.76 3,298.29 103.255133 1 152.000000 2,913.32 1,156.08 1,757.24 568.78 -20,538.13 -41,744.80 -63,452.10
153 7 1 0.0000### 251.71 44.01 63.24 0.00 23.76 3,273.46 103.255133 1 153.000000 2,890.74 1,142.58 1,748.16 562.14 -21,106.91 -42,900.88 -65,638.35
5 6 7 8 9 10 2 1A 3 4A 1B
VALOR
PRESENTE
NÃO
CORRIGIDO
DA PREST. JUROS DO
-------------- PRINCIPAL PRINCIPAL PRINCIPAL
JUROS DO AMORTIZ. DEVIDO NÃO DEVIDO DEVIDO
VALOR VALOR MENSAL DO CORRIGIDO CORRIGIDO CORRIGIDO
%JUROS PRESENTE PRESENTE PRINCIPAL ANTES DE ANTES DE ANTES DE
% ( 4A ) DCV SIMPLES PREST. CORRIGIDO CORRIGIDO NÃO EFETUADO O EFETUADO O EFETUADO O
DCV % ( 4A ) MPI DFI SC FCVS TS PMT ACUMULADA ACUMULADO PROPORC. LÍQUIDA DA PREST. DA PREST. CORRIGIDO PAGAMENTO PAGAMENTO PAGAMENTO
154 8 1 0.0000### 251.71 44.01 60.98 0.00 23.76 3,248.61 103.255133 1 154.000000 2,868.15 1,129.19 1,738.96 555.55 -21,669.05 -44,043.46 -67,826.93
155 9 1 0.0000### 251.71 44.01 58.72 0.00 23.76 3,223.77 103.255133 1 155.000000 2,845.57 1,115.91 1,729.66 549.02 -22,224.60 -45,172.64 -70,017.59
156 10 1 0.0000### 251.71 44.01 56.46 0.00 23.76 3,198.93 103.255133 1 156.000000 2,822.99 1,102.73 1,720.26 542.53 -22,773.62 -46,288.55 -72,210.14
157 11 1 0.0000### 251.71 44.01 54.20 0.00 23.76 3,174.09 103.255133 1 157.000000 2,800.41 1,089.65 1,710.76 536.10 -23,316.15 -47,391.27 -74,404.29
158 12 1 0.0000### 251.71 44.01 51.94 0.00 23.76 3,149.25 103.255133 1 158.000000 2,777.83 1,076.68 1,701.15 529.72 -23,852.25 -48,480.92 -76,599.85
159 1 ### 1 0.0000### 251.71 44.01 49.69 0.00 23.76 3,124.42 103.255133 1 159.000000 2,755.25 1,063.80 1,691.45 523.38 -24,381.97 -49,557.61 -78,796.60
160 2 1 0.0000### 251.71 44.01 47.43 0.00 23.76 3,099.57 103.255133 1 160.000000 2,732.66 1,051.02 1,681.64 517.09 -24,905.35 -50,621.40 -80,994.24
161 3 1 0.0000### 251.71 44.01 45.17 0.00 23.76 3,074.71 103.255133 1 161.000000 2,710.06 1,038.34 1,671.72 510.86 -25,422.44 -51,672.41 -83,192.58
162 4 1 0.0000### 251.71 44.01 42.91 0.00 23.76 3,049.87 103.255133 1 162.000000 2,687.48 1,025.76 1,661.72 504.67 -25,933.30 -52,710.76 -85,391.43
163 5 1 0.0000### 251.71 44.01 40.65 0.00 23.76 3,025.03 103.255133 1 163.000000 2,664.90 1,013.27 1,651.63 498.52 -26,437.97 -53,736.53 -87,590.54
164 6 1 0.0000### 251.71 44.01 38.39 0.00 23.76 3,000.19 103.255133 1 164.000000 2,642.32 1,000.88 1,641.44 492.43 -26,936.49 -54,749.80 -89,789.67
165 7 1 0.0000### 251.71 44.01 36.13 0.00 23.76 2,975.35 103.255133 1 165.000000 2,619.74 988.58 1,631.16 486.37 -27,428.92 -55,750.69 -91,988.64
166 8 1 0.0000### 251.71 44.01 33.88 0.00 23.76 2,950.51 103.255133 1 166.000000 2,597.15 976.37 1,620.78 480.37 -27,915.29 -56,739.26 -94,187.17
167 9 1 0.0000### 251.71 44.01 31.62 0.00 23.76 2,925.67 103.255133 1 167.000000 2,574.57 964.26 1,610.31 474.41 -28,395.66 -57,715.64 -96,385.12
168 10 1 0.0000### 251.71 44.01 29.36 0.00 23.76 2,900.83 103.255133 1 168.000000 2,551.99 952.24 1,599.75 468.49 -28,870.07 -58,679.90 -98,582.23
169 11 1 0.0000### 251.71 44.01 27.10 0.00 23.76 2,875.99 103.255133 1 169.000000 2,529.41 940.30 1,589.11 462.62 -29,338.56 -59,632.13 -100,778.30
170 12 1 0.0000### 251.71 44.01 24.84 0.00 23.76 2,851.13 103.255133 1 170.000000 2,506.81 928.45 1,578.36 456.79 -29,801.18 -60,572.43 -102,973.13
171 1 ### 1 0.0000### 251.71 44.01 22.58 0.00 23.76 2,826.28 103.255133 1 171.000000 2,484.22 916.69 1,567.53 451.00 -30,257.97 -61,500.88 -105,166.50
172 2 1 0.0000### 251.71 44.01 20.33 0.00 23.76 2,801.45 103.255133 1 172.000000 2,461.64 905.01 1,556.63 445.26 -30,708.97 -62,417.56 -107,358.20
173 3 1 0.0000### 251.71 44.01 18.07 0.00 23.76 2,776.61 103.255133 1 173.000000 2,439.06 893.43 1,545.63 439.56 -31,154.23 -63,322.57 -109,548.05
174 4 1 0.0000### 251.71 44.01 15.81 0.00 23.76 2,751.77 103.255133 1 174.000000 2,416.48 881.93 1,534.55 433.90 -31,593.79 -64,216.00 -111,735.84
175 5 1 0.0000### 251.71 44.01 13.55 0.00 23.76 2,726.93 103.255133 1 175.000000 2,393.90 870.51 1,523.39 428.28 -32,027.69 -65,097.92 -113,921.36
176 6 1 0.0000### 251.71 44.01 11.29 0.00 23.76 2,702.09 103.255133 1 176.000000 2,371.32 859.17 1,512.15 422.71 -32,455.97 -65,968.43 -116,104.44
177 7 1 0.0000### 251.71 44.01 9.03 0.00 23.76 2,677.25 103.255133 1 177.000000 2,348.74 847.92 1,500.82 417.17 -32,878.68 -66,827.60 -118,284.85
178 8 1 0.0000### 251.71 44.01 6.78 0.00 23.76 2,652.41 103.255133 1 178.000000 2,326.15 836.74 1,489.41 411.67 -33,295.85 -67,675.52 -120,462.43
179 9 1 0.0000### 251.71 44.01 4.52 0.00 23.76 2,627.55 103.255133 1 179.000000 2,303.55 825.65 1,477.90 406.21 -33,707.52 -68,512.26 -122,636.95
180 10 1 0.0000### 251.71 44.01 2.26 0.00 23.76 2,602.71 103.255133 1 180.000000 2,280.97 814.63 1,466.34 400.79 -34,113.73 -69,337.91 -124,808.24
181 ###
182 ###
183 ###
184 ###
185 ###
186 ###
187 ###
5 6 7 8 9 10 2 1A 3 4A 1B
VALOR
PRESENTE
NÃO
CORRIGIDO
DA PREST. JUROS DO
-------------- PRINCIPAL PRINCIPAL PRINCIPAL
JUROS DO AMORTIZ. DEVIDO NÃO DEVIDO DEVIDO
VALOR VALOR MENSAL DO CORRIGIDO CORRIGIDO CORRIGIDO
%JUROS PRESENTE PRESENTE PRINCIPAL ANTES DE ANTES DE ANTES DE
% ( 4A ) DCV SIMPLES PREST. CORRIGIDO CORRIGIDO NÃO EFETUADO O EFETUADO O EFETUADO O
DCV % ( 4A ) MPI DFI SC FCVS TS PMT ACUMULADA ACUMULADO PROPORC. LÍQUIDA DA PREST. DA PREST. CORRIGIDO PAGAMENTO PAGAMENTO PAGAMENTO
188 ###
189 ###
190 ###
191 ###
192 ###
193 ###
194 ###
195 ###
196 ###
197 ###
198 ###
199 ###
200 ###
201 ###
202 ###
203 ###
204 ###
205 ###
206 ###
207 ###
208 ###
209 ###
210 ###
211 ###
212 ###
213 ###
214 ###
215 ###
216 ###
217 ###
218 ###
219 ###
220 ###
221 ###
5 6 7 8 9 10 2 1A 3 4A 1B
VALOR
PRESENTE
NÃO
CORRIGIDO
DA PREST. JUROS DO
-------------- PRINCIPAL PRINCIPAL PRINCIPAL
JUROS DO AMORTIZ. DEVIDO NÃO DEVIDO DEVIDO
VALOR VALOR MENSAL DO CORRIGIDO CORRIGIDO CORRIGIDO
%JUROS PRESENTE PRESENTE PRINCIPAL ANTES DE ANTES DE ANTES DE
% ( 4A ) DCV SIMPLES PREST. CORRIGIDO CORRIGIDO NÃO EFETUADO O EFETUADO O EFETUADO O
DCV % ( 4A ) MPI DFI SC FCVS TS PMT ACUMULADA ACUMULADO PROPORC. LÍQUIDA DA PREST. DA PREST. CORRIGIDO PAGAMENTO PAGAMENTO PAGAMENTO
222 ###
223 ###
224 ###
225 ###
226 ###
227 ###
228 ###
229 ###
230 ###
231 ###
232 ###
233 ###
234 ###
235 ###
236 ###
237 ###
238 ###
239 ###
240 ###
241 ###
242 ###
243 ###
244 ###
245 ###
246 ###
247 ###
248 ###
249 ###
250 ###
251 ###
252 ###
253 ###
254 ###
255 ###
5 6 7 8 9 10 2 1A 3 4A 1B
VALOR
PRESENTE
NÃO
CORRIGIDO
DA PREST. JUROS DO
-------------- PRINCIPAL PRINCIPAL PRINCIPAL
JUROS DO AMORTIZ. DEVIDO NÃO DEVIDO DEVIDO
VALOR VALOR MENSAL DO CORRIGIDO CORRIGIDO CORRIGIDO
%JUROS PRESENTE PRESENTE PRINCIPAL ANTES DE ANTES DE ANTES DE
% ( 4A ) DCV SIMPLES PREST. CORRIGIDO CORRIGIDO NÃO EFETUADO O EFETUADO O EFETUADO O
DCV % ( 4A ) MPI DFI SC FCVS TS PMT ACUMULADA ACUMULADO PROPORC. LÍQUIDA DA PREST. DA PREST. CORRIGIDO PAGAMENTO PAGAMENTO PAGAMENTO
256 ###
257 ###
258 ###
259 ###
260 ###
261 ###
262 ###
263 ###
264 ###
265 ###
266 ###
267 ###
268 ###
269 ###
270 ###
271 ###
272 ###
273 ###
274 ###
275 ###
276 ###
277 ###
278 ###
279 ###
280 ###
281 ###
282 ###
283 ###
284 ###
285 ###
286 ###
287 ###
288 ###
289 ###
5 6 7 8 9 10 2 1A 3 4A 1B
VALOR
PRESENTE
NÃO
CORRIGIDO
DA PREST. JUROS DO
-------------- PRINCIPAL PRINCIPAL PRINCIPAL
JUROS DO AMORTIZ. DEVIDO NÃO DEVIDO DEVIDO
VALOR VALOR MENSAL DO CORRIGIDO CORRIGIDO CORRIGIDO
%JUROS PRESENTE PRESENTE PRINCIPAL ANTES DE ANTES DE ANTES DE
% ( 4A ) DCV SIMPLES PREST. CORRIGIDO CORRIGIDO NÃO EFETUADO O EFETUADO O EFETUADO O
DCV % ( 4A ) MPI DFI SC FCVS TS PMT ACUMULADA ACUMULADO PROPORC. LÍQUIDA DA PREST. DA PREST. CORRIGIDO PAGAMENTO PAGAMENTO PAGAMENTO
290 ###
291 ###
292 ###
293 ###
294 ###
295 ###
296 ###
297 ###
298 ###
299 ###
300 ###
301 ###
302 ###
303 ###
304 ###
305 ###
306 ###
307 ###
308 ###
309 ###
310 ###
311 ###
312 ###
313 ###
314 ###
315 ###
316 ###
317 ###
318 ###
319 ###
320 ###
321 ###
322 ###
323 ###
5 6 7 8 9 10 2 1A 3 4A 1B
VALOR
PRESENTE
NÃO
CORRIGIDO
DA PREST. JUROS DO
-------------- PRINCIPAL PRINCIPAL PRINCIPAL
JUROS DO AMORTIZ. DEVIDO NÃO DEVIDO DEVIDO
VALOR VALOR MENSAL DO CORRIGIDO CORRIGIDO CORRIGIDO
%JUROS PRESENTE PRESENTE PRINCIPAL ANTES DE ANTES DE ANTES DE
% ( 4A ) DCV SIMPLES PREST. CORRIGIDO CORRIGIDO NÃO EFETUADO O EFETUADO O EFETUADO O
DCV % ( 4A ) MPI DFI SC FCVS TS PMT ACUMULADA ACUMULADO PROPORC. LÍQUIDA DA PREST. DA PREST. CORRIGIDO PAGAMENTO PAGAMENTO PAGAMENTO
324 ###
325 ###
326 ###
327 ###
328 ###
329 ###
330 ###
331 ###
332 ###
333 ###
334 ###
335 ###
336 ###
337 ###
338 ###
339 ###
340 ###
341 ###
342 ###
343 ###
344 ###
345 ###
346 ###
347 ###
348 ###
349 ###
350 ###
351 ###
352 ###
353 ###
354 ###
355 ###
356 ###
357 ###
5 6 7 8 9 10 2 1A 3 4A 1B
VALOR
PRESENTE
NÃO
CORRIGIDO
DA PREST. JUROS DO
-------------- PRINCIPAL PRINCIPAL PRINCIPAL
JUROS DO AMORTIZ. DEVIDO NÃO DEVIDO DEVIDO
VALOR VALOR MENSAL DO CORRIGIDO CORRIGIDO CORRIGIDO
%JUROS PRESENTE PRESENTE PRINCIPAL ANTES DE ANTES DE ANTES DE
% ( 4A ) DCV SIMPLES PREST. CORRIGIDO CORRIGIDO NÃO EFETUADO O EFETUADO O EFETUADO O
DCV % ( 4A ) MPI DFI SC FCVS TS PMT ACUMULADA ACUMULADO PROPORC. LÍQUIDA DA PREST. DA PREST. CORRIGIDO PAGAMENTO PAGAMENTO PAGAMENTO
358 ###
359 ###
360 ###
4B
SALDO
DEVEDOR
APÓS
EFETUADO O
PAGAMENTO
203,970.70
208,735.11
213,483.49
216,673.44
219,347.76
222,999.73
229,268.42
235,182.07
240,373.48
245,895.72
250,568.73
253,641.31
255,998.62
257,795.84
259,317.89
260,588.38
261,078.92
4B
SALDO
DEVEDOR
APÓS
EFETUADO O
PAGAMENTO
261,149.24
260,783.64
260,198.52
259,632.34
258,966.44
258,373.79
257,833.24
257,460.08
257,234.62
257,116.14
256,633.18
255,902.08
255,057.12
254,148.10
253,237.60
252,334.62
251,404.50
250,358.63
249,325.11
248,272.34
249,336.80
249,806.41
249,829.64
248,078.16
247,404.17
245,639.29
243,796.13
242,007.45
240,323.77
238,185.79
236,195.89
235,192.64
233,501.84
232,069.34
4B
SALDO
DEVEDOR
APÓS
EFETUADO O
PAGAMENTO
230,071.99
228,748.51
228,124.67
226,203.85
224,167.56
221,504.95
218,776.29
216,023.45
213,195.03
210,247.01
207,221.35
204,378.89
201,339.55
198,314.56
195,250.86
191,985.51
188,929.62
185,786.16
182,514.68
179,312.85
175,918.79
172,560.61
169,168.71
165,730.10
162,341.83
158,781.43
155,425.37
152,027.15
148,656.84
145,217.60
141,904.83
138,710.46
135,246.31
131,554.91
4B
SALDO
DEVEDOR
APÓS
EFETUADO O
PAGAMENTO
127,862.14
124,168.27
120,473.58
116,778.29
113,082.67
109,386.89
105,691.21
101,995.91
98,301.19
94,607.27
90,914.41
87,222.80
83,532.70
79,844.29
76,157.86
72,473.55
68,791.57
65,112.18
61,435.56
57,761.95
54,091.56
50,424.55
46,761.17
43,101.57
39,445.93
35,794.51
32,147.47
28,505.03
24,867.33
21,234.64
17,607.05
13,984.78
10,368.08
6,757.07
4B
SALDO
DEVEDOR
APÓS
EFETUADO O
PAGAMENTO
3,151.89
-447.21
-4,040.09
-7,626.58
-11,206.44
-14,779.56
-18,345.76
-21,904.83
-25,456.66
-29,001.05
-32,537.88
-36,066.93
-39,588.07
-43,101.16
-46,605.97
-50,102.36
-53,590.24
-57,069.38
-60,539.71
-64,000.99
-67,453.12
-70,895.94
-74,329.26
-77,752.98
-81,166.94
-84,571.00
-87,965.03
-91,348.88
-94,722.37
-98,085.41
-101,437.80
-104,779.45
-108,110.22
-111,429.97
4B
SALDO
DEVEDOR
APÓS
EFETUADO O
PAGAMENTO
-114,738.54
-118,035.80
-121,321.68
-124,595.97
-127,858.60
-131,109.46
-134,348.30
-137,575.05
-140,789.67
-143,991.97
-147,181.79
-150,359.07
-153,523.58
-156,675.33
-159,814.12
-162,939.84
-166,052.37
-169,151.60
-172,237.40
-175,309.68
-178,368.32
-181,413.18
-184,444.19
-187,461.19
-190,464.10
-193,452.76
-196,427.12
4B
SALDO
DEVEDOR
APÓS
EFETUADO O
PAGAMENTO
4B
SALDO
DEVEDOR
APÓS
EFETUADO O
PAGAMENTO
4B
SALDO
DEVEDOR
APÓS
EFETUADO O
PAGAMENTO
4B
SALDO
DEVEDOR
APÓS
EFETUADO O
PAGAMENTO
4B
SALDO
DEVEDOR
APÓS
EFETUADO O
PAGAMENTO
4B
SALDO
DEVEDOR
APÓS
EFETUADO O
PAGAMENTO
Totalização ( Juros Simples )
Soma das Prestações Líquidas 694,226.18
+ Valor Residual na última linha do Quadro de Amortização -196,427.12
Total a Prazo Líquido 497,799.06
Total a Prazo Líquido 497,799.06
- Valor Financiado 200,000.00
Acréscimo Total Líquido 297,799.06
Soma das Prestações Líquidas 694,226.18
+ Soma dos pagamentos de Seguro de Morte ou Permanente Invalidez 41,848.99
+ Soma dos pagamentos de Seguro de Danos Físicos do Imóvel 7,316.54
+ Soma dos pagamentos de Seguro de Crédito 31,875.06
+ Soma dos pagamentos para o Fundo de Compensação de Variações Salariais 0.00
+ Soma das Taxas de Serviço ou Taxas de Administração 3,950.12
Soma das Prestações Mensais Totais 779,216.89
Soma das Prestações Mensais Totais 779,216.89
+ Valor Residual na última linha do Quadro de Amortização -196,427.12
Total a Prazo 582,789.77
Total a Prazo 582,789.77
- Valor Financiado 200,000.00
Acréscimo Total 382,789.77
LEIA A OBSERVAÇÃO LOGO ABAIXO
NOTA-SE QUE O SALDO DEVEDOR ESTÁ NEGATIVO NA ÚLTIMA LINHA DO QUADRO DE AMORTIZA-
ÇÃO. AINDA PERCEBE-SE NESTE CASO QUE O MESMO JÁ VINHA NEGATIVO. POR CAUSA DISSO DE-
VE-SE RESSALTAR QUE O PROCEDIMENTO DE CÁLCULO DOS VALORES DO QUADRO DE AMORTIZA-
ÇÃO PERMANECEU IDÊNTICO DURANTE TODA A SUA ELABORAÇÃO ( ISTO INCLUE TAMBÉM O CÁL-
CULO DOS JUROS MENSAIS SOBRE OS SALDOS DEVEDORES NEGATIVOS ).
OS CAMPOS EM COR VERDE NÃO PERMITEM A ENTRADA DE DADOS NESTA VERSÃO DEMONSTRATIVA
DEVOLUÇÃO ( correção monetária dos valores pagos sem necessidade )
atualizados acumulados calculados a cada mês ? : NÃO
que o cálculo de atualização seja concluído : 5
Para facilitar a observação do Quadro de Atualização a seguir, não
deixe de preencher os campos abaixo relativos ao início da correção
monetária.
1
2000
Não imprima diretamente esta seção, proceda da seguinte forma:
Selecione "arrastando" com o mouse a área que deseja imprimir, depois pressione as
DCV : Divisor de Conversão de Valor ( moeda )
%CM : Porcentagem de Correção Monetária
DCV %CM VALOR A ATUALIZAR TOTAL CORRIGIDO ACUM.
1 ------ ------ 0.00 0.00 1 2000
2 1 0.0000 0.00 0.00 2
3 1 0.0000 0.00 0.00 3
4 1 0.0000 0.00 0.00 4
5 1 0.0000 0.00 0.00 5
6 1 0.0000 0.00
7 1 0.0000 0.00
8 1 0.0000 0.00
9 1 0.0000 0.00
10 1 0.0000 0.00
11 1 0.0000 0.00
12 1 0.0000 0.00
13 1 0.0000 0.00
14 1 0.0000 0.00
15 1 0.0000 0.00
16 1 0.0000 0.00
17 1 0.0000 0.00
18 1 0.0000 0.00
19 1 0.0000 0.00
20 1 0.0000 0.00
21 1 0.0000 0.00
Deseja ARREDONDAR na memória do computador em duas casas decimais os valores
Introduza o NÚMERO da linha da relação abaixo onde deseja
Digite o Número do mês ( 1ª. linha do Quadro de Atualização ) :
Digite o Ano ( 1ª. linha do Quadro de Atualização ) :
teclas Ctrl + P e no ítem Imprimir clique em Seleção.
DCV %CM VALOR A ATUALIZAR TOTAL CORRIGIDO ACUM.
22 1 0.0000 0.00
23 1 0.0000 0.00
24 1 0.0000 0.00
25 1 0.0000 0.00
26 1 0.0000 0.00
27 1 0.0000 0.00
28 1 0.0000 0.00
29 1 0.0000 0.00
30 1 0.0000 0.00
31 1 0.0000 0.00
32 1 0.0000 0.00
33 1 0.0000 0.00
34 1 0.0000 0.00
35 1 0.0000 0.00
36 1 0.0000 0.00
37 1 0.0000 0.00
38 1 0.0000 0.00
39 1 0.0000 0.00
40 1 0.0000 0.00
41 1 0.0000 0.00
42 1 0.0000 0.00
43 1 0.0000 0.00
44 1 0.0000 0.00
45 1 0.0000 0.00
46 1 0.0000 0.00
47 1 0.0000 0.00
48 1 0.0000 0.00
49 1 0.0000 0.00
50 1 0.0000 0.00
51 1 0.0000 0.00
52 1 0.0000 0.00
53 1 0.0000 0.00
54 1 0.0000 0.00
55 1 0.0000 0.00
56 1 0.0000 0.00
57 1 0.0000 0.00
58 1 0.0000 0.00
59 1 0.0000 0.00
60 1 0.0000 0.00
61 1 0.0000 0.00
62 1 0.0000 0.00
63 1 0.0000 0.00
64 1 0.0000 0.00
65 1 0.0000 0.00
66 1 0.0000 0.00
DCV %CM VALOR A ATUALIZAR TOTAL CORRIGIDO ACUM.
67 1 0.0000 0.00
68 1 0.0000 0.00
69 1 0.0000 0.00
70 1 0.0000 0.00
71 1 0.0000 0.00
72 1 0.0000 0.00
73 1 0.0000 0.00
74 1 0.0000 0.00
75 1 0.0000 0.00
76 1 0.0000 0.00
77 1 0.0000 0.00
78 1 0.0000 0.00
79 1 0.0000 0.00
80 1 0.0000 0.00
81 1 0.0000 0.00
82 1 0.0000 0.00
83 1 0.0000 0.00
84 1 0.0000 0.00
85 1 0.0000 0.00
86 1 0.0000 0.00
87 1 0.0000 0.00
88 1 0.0000 0.00
89 1 0.0000 0.00
90 1 0.0000 0.00
91 1 0.0000 0.00
92 1 0.0000 0.00
93 1 0.0000 0.00
94 1 0.0000 0.00
95 1 0.0000 0.00
96 1 0.0000 0.00
97 1 0.0000 0.00
98 1 0.0000 0.00
99 1 0.0000 0.00
100 1 0.0000 0.00
101 1 0.0000 0.00
102 1 0.0000 0.00
103 1 0.0000 0.00
104 1 0.0000 0.00
105 1 0.0000 0.00
106 1 0.0000 0.00
107 1 0.0000 0.00
108 1 0.0000 0.00
109 1 0.0000 0.00
110 1 0.0000 0.00
111 1 0.0000 0.00
DCV %CM VALOR A ATUALIZAR TOTAL CORRIGIDO ACUM.
112 1 0.0000 0.00
113 1 0.0000 0.00
114 1 0.0000 0.00
115 1 0.0000 0.00
116 1 0.0000 0.00
117 1 0.0000 0.00
118 1 0.0000 0.00
119 1 0.0000 0.00
120 1 0.0000 0.00
121 1 0.0000 0.00
122 1 0.0000 0.00
123 1 0.0000 0.00
124 1 0.0000 0.00
125 1 0.0000 0.00
126 1 0.0000 0.00
127 1 0.0000 0.00
128 1 0.0000 0.00
129 1 0.0000 0.00
130 1 0.0000 0.00
131 1 0.0000 0.00
132 1 0.0000 0.00
133 1 0.0000 0.00
134 1 0.0000 0.00
135 1 0.0000 0.00
136 1 0.0000 0.00
137 1 0.0000 0.00
138 1 0.0000 0.00
139 1 0.0000 0.00
140 1 0.0000 0.00
141 1 0.0000 0.00
142 1 0.0000 0.00
143 1 0.0000 0.00
144 1 0.0000 0.00
145 1 0.0000 0.00
146 1 0.0000 0.00
147 1 0.0000 0.00
148 1 0.0000 0.00
149 1 0.0000 0.00
150 1 0.0000 0.00
151 1 0.0000 0.00
152 1 0.0000 0.00
153 1 0.0000 0.00
154 1 0.0000 0.00
155 1 0.0000 0.00
156 1 0.0000 0.00
DCV %CM VALOR A ATUALIZAR TOTAL CORRIGIDO ACUM.
157 1 0.0000 0.00
158 1 0.0000 0.00
159 1 0.0000 0.00
160 1 0.0000 0.00
161 1 0.0000 0.00
162 1 0.0000 0.00
163 1 0.0000 0.00
164 1 0.0000 0.00
165 1 0.0000 0.00
166 1 0.0000 0.00
167 1 0.0000 0.00
168 1 0.0000 0.00
169 1 0.0000 0.00
170 1 0.0000 0.00
171 1 0.0000 0.00
172 1 0.0000 0.00
173 1 0.0000 0.00
174 1 0.0000 0.00
175 1 0.0000 0.00
176 1 0.0000 0.00
177 1 0.0000 0.00
178 1 0.0000 0.00
179 1 0.0000 0.00
180 1 0.0000 0.00
181 1 0.0000 0.00
182 1 0.0000 0.00
183 1 0.0000 0.00
184 1 0.0000 0.00
185 1 0.0000 0.00
186 1 0.0000 0.00
187 1 0.0000 0.00
188 1 0.0000 0.00
189 1 0.0000 0.00
190 1 0.0000 0.00
191 1 0.0000 0.00
192 1 0.0000 0.00
193 1 0.0000 0.00
194 1 0.0000 0.00
195 1 0.0000 0.00
196 1 0.0000 0.00
197 1 0.0000 0.00
198 1 0.0000 0.00
199 1 0.0000 0.00
200 1 0.0000 0.00
201 1 0.0000 0.00
DCV %CM VALOR A ATUALIZAR TOTAL CORRIGIDO ACUM.
202 1 0.0000 0.00
203 1 0.0000 0.00
204 1 0.0000 0.00
205 1 0.0000 0.00
206 1 0.0000 0.00
207 1 0.0000 0.00
208 1 0.0000 0.00
209 1 0.0000 0.00
210 1 0.0000 0.00
211 1 0.0000 0.00
212 1 0.0000 0.00
213 1 0.0000 0.00
214 1 0.0000 0.00
215 1 0.0000 0.00
216 1 0.0000 0.00
217 1 0.0000 0.00
218 1 0.0000 0.00
219 1 0.0000 0.00
220 1 0.0000 0.00
221 1 0.0000 0.00
222 1 0.0000 0.00
223 1 0.0000 0.00
224 1 0.0000 0.00
225 1 0.0000 0.00
226 1 0.0000 0.00
227 1 0.0000 0.00
228 1 0.0000 0.00
229 1 0.0000 0.00
230 1 0.0000 0.00
231 1 0.0000 0.00
232 1 0.0000 0.00
233 1 0.0000 0.00
234 1 0.0000 0.00
235 1 0.0000 0.00
236 1 0.0000 0.00
237 1 0.0000 0.00
238 1 0.0000 0.00
239 1 0.0000 0.00
240 1 0.0000 0.00
241 1 0.0000 0.00
242 1 0.0000 0.00
243 1 0.0000 0.00
244 1 0.0000 0.00
245 1 0.0000 0.00
246 1 0.0000 0.00
DCV %CM VALOR A ATUALIZAR TOTAL CORRIGIDO ACUM.
247 1 0.0000 0.00
248 1 0.0000 0.00
249 1 0.0000 0.00
250 1 0.0000 0.00
251 1 0.0000 0.00
252 1 0.0000 0.00
253 1 0.0000 0.00
254 1 0.0000 0.00
255 1 0.0000 0.00
256 1 0.0000 0.00
257 1 0.0000 0.00
258 1 0.0000 0.00
259 1 0.0000 0.00
260 1 0.0000 0.00
261 1 0.0000 0.00
262 1 0.0000 0.00
263 1 0.0000 0.00
264 1 0.0000 0.00
265 1 0.0000 0.00
266 1 0.0000 0.00
267 1 0.0000 0.00
268 1 0.0000 0.00
269 1 0.0000 0.00
270 1 0.0000 0.00
271 1 0.0000 0.00
272 1 0.0000 0.00
273 1 0.0000 0.00
274 1 0.0000 0.00
275 1 0.0000 0.00
276 1 0.0000 0.00
277 1 0.0000 0.00
278 1 0.0000 0.00
279 1 0.0000 0.00
280 1 0.0000 0.00
281 1 0.0000 0.00
282 1 0.0000 0.00
283 1 0.0000 0.00
284 1 0.0000 0.00
285 1 0.0000 0.00
286 1 0.0000 0.00
287 1 0.0000 0.00
288 1 0.0000 0.00
289 1 0.0000 0.00
290 1 0.0000 0.00
291 1 0.0000 0.00
DCV %CM VALOR A ATUALIZAR TOTAL CORRIGIDO ACUM.
292 1 0.0000 0.00
293 1 0.0000 0.00
294 1 0.0000 0.00
295 1 0.0000 0.00
296 1 0.0000 0.00
297 1 0.0000 0.00
298 1 0.0000 0.00
299 1 0.0000 0.00
300 1 0.0000 0.00
301 1 0.0000 0.00
302 1 0.0000 0.00
303 1 0.0000 0.00
304 1 0.0000 0.00
305 1 0.0000 0.00
306 1 0.0000 0.00
307 1 0.0000 0.00
308 1 0.0000 0.00
309 1 0.0000 0.00
310 1 0.0000 0.00
311 1 0.0000 0.00
312 1 0.0000 0.00
313 1 0.0000 0.00
314 1 0.0000 0.00
315 1 0.0000 0.00
316 1 0.0000 0.00
317 1 0.0000 0.00
318 1 0.0000 0.00
319 1 0.0000 0.00
320 1 0.0000 0.00
321 1 0.0000 0.00
322 1 0.0000 0.00
323 1 0.0000 0.00
324 1 0.0000 0.00
325 1 0.0000 0.00
326 1 0.0000 0.00
327 1 0.0000 0.00
328 1 0.0000 0.00
329 1 0.0000 0.00
330 1 0.0000 0.00
331 1 0.0000 0.00
332 1 0.0000 0.00
333 1 0.0000 0.00
334 1 0.0000 0.00
335 1 0.0000 0.00
336 1 0.0000 0.00
DCV %CM VALOR A ATUALIZAR TOTAL CORRIGIDO ACUM.
337 1 0.0000 0.00
338 1 0.0000 0.00
339 1 0.0000 0.00
340 1 0.0000 0.00
341 1 0.0000 0.00
342 1 0.0000 0.00
343 1 0.0000 0.00
344 1 0.0000 0.00
345 1 0.0000 0.00
346 1 0.0000 0.00
347 1 0.0000 0.00
348 1 0.0000 0.00
349 1 0.0000 0.00
350 1 0.0000 0.00
351 1 0.0000 0.00
352 1 0.0000 0.00
353 1 0.0000 0.00
354 1 0.0000 0.00
355 1 0.0000 0.00
356 1 0.0000 0.00
357 1 0.0000 0.00
358 1 0.0000 0.00
359 1 0.0000 0.00
360 1 0.0000 0.00
Mudança de Moedas desde 1970
Presidente: José Sarney
Presidente: José Sarney
Presidente: Fernando Collor de Melo
Presidente: Fernando Henrique Cardoso
Presidente: Fernando Henrique Cardoso
A MOEDA CRUZEIRO ENTROU EM VIGOR EM 15 DE MAIO DE 1970
MUDANÇA DE CRUZEIROS PARA CRUZADOS EM 28 DE FEVEREIRO DE 1986
1.000 CRUZEIROS = 1 CRUZADO ( Cr$ 1.000,00 = Cz$ 1,00 )
MUDANÇA DE CRUZADOS PARA CRUZADOS NOVOS EM 16 DE JANEIRO DE 1989
1.000 CRUZADOS = 1 CRUZADO NOVO ( Cz$ 1.000,00 = NCz$ 1,00 )
MUDANÇA DE CRUZADOS NOVOS PARA CRUZEIROS EM 16 DE MARÇO DE 1990
1 CRUZADO NOVO = 1 CRUZEIRO ( NCz$ 1,00 = Cr$ 1,00 )
MUDANÇA DE CRUZEIROS PARA CRUZEIROS REAIS EM 1 DE AGOSTO DE 1993
1.000 CRUZEIROS = 1 CRUZEIRO REAL ( Cr$ 1.000,00 = CR$ 1,00 )
MUDANÇA DE CRUZEIROS REAIS PARA REAIS EM 1 DE JULHO DE 1994
2.750 CRUZEIROS REAIS = 1 REAL ( CR$ 2.750,00 = R$ 1,00 )
Observação sobre JUROS NÃO CAPITALIZADOS
ATENÇÃO :
=> QUANDO SE DESEJA REDUZIR O SALDO DEVEDOR EM FINANCIAMENTOS, COSTUMA-SE UTILIZAR
O MÉTODO BASEADO NA LEI 4.380/64 . ESTE MÉTODO CONSISTE EM DIMINUIR O SALDO DEVE-
DOR BASEADO EM UMA CONVENÇÃO. QUANDO O OBJETIVO É A NÃO CAPITALIZAÇÃO DE JUROS,
O MESMO NÃO TEM BASE MATEMÁTICA. QUANDO NÃO ASSOCIADO AO TEMA, O MÉTODO NÃO
PRECISA TER BASE MATEMÁTICA PORQUE É APENAS UMA CONVENÇÃO ADOTADA PARA REDUZIR O
SALDO. EXISTEM ENTENDIMENTOS NOS DOIS SENTIDOS, OU SEJA, DE QUE O ARTIGO 6º. DA LEI 4.380/64
EXIBE UM MÉTODO PARA A NÃO APLICAÇÃO DE JUROS SOBRE JUROS E OUTRO ENTENDIMENTO DE
QUE É APENAS UM ARTIFÍCIO PARA DIMINUIR, EM EXEMPLO, UMA ENORME DÍVIDA SEM CABIMENTO AOS
PRINCÍPIOS DO SFH.
ALÉM DISSO, O MÉTODO NÃO É RELATADO DE FORMA CLARA GERANDO TRÊS INTERPRETAÇÕES DE
CONSTRUÇÃO DO QUADRO DE AMORTIZAÇÃO.
NÃO EXISTE UMA INTERPRETAÇÃO MAIS OU MENOS UTILIZADA. TODAS DEPENDEM DA ÓTICA DO
PROFISSIONAL RESPONSÁVEL PELA DECISÃO JUDICIAL.
ANTES DE EXPOR AS TRÊS INTERPRETAÇÕES, DEVE-SE MENCIONAR QUE APARECERÁ O TERMO
PAGAMENTO, QUE EM UM EXEMPLO ONDE OCORRA O PLANO DE EQUIVALÊNCIA SALARIAL ( PES ),
SIGNIFICA A ÚLTIMA CORREÇÃO EFETUADA, NÃO IMPORTANDO SE OCORRIDA A MESES.
c) ao menos parte do financiamento, ou do preço a ser pago, seja amortizado em prestações
mensais sucessivas, de igual valor, antes do reajustamento, que incluam amortizações e juros;
1ª. INTERPRETAÇÃO :
2ª. INTERPRETAÇÃO :
COLOCA-SE OS JUROS DO MÊS NO SALDO.
3ª. INTERPRETAÇÃO :
NESTA PLANILHA É POSSÍVEL REALIZAR OS CÁLCULOS PELAS TRÊS INTERPRETAÇÕES.
QUANDO A INTENÇÃO É DE NÃO CAPITALIZAR JUROS, EXISTE UM MÉTODO MATEMATICAMENTE CORRE-
DEVE SER INFORMADO QUE O MÉTODO BASEADO NA LEI 4.380/64 ( QUAISQUER INTERPRETAÇÕES ),
EM CERTOS CASOS, É MAIS VANTAJOSO PARA O MUTUÁRIO EM TERMOS DE REDUÇÃO DO SALDO
DEVEDOR OU ATÉ DEVOLUÇÃO DE DINHEIRO PAGO A MAIS . ISTO DEPENDE DAS VARIÁVEIS DE
CADA CASO, PORTANTO NÃO É UMA REGRA. NESTE PACOTE DE PLANILHAS PODE-SE REALIZAR A
" VALOR DA PRESTAÇÃO CORRIGIDA ", SIGNIFICANDO A PRESTAÇÃO ATUALIZADA PARA O MÊS DE
Lei 4.380/64 , artigo 6º. , alínea "c" :
DO SALDO DEVEDOR ANTERIOR RETIRA-SE O VALOR DA PRESTAÇÃO CORRIGIDA E SOMENTE DEPOIS
REALIZA-SE A CORREÇÃO DO SALDO. POR FIM, COLOCA-SE OS JUROS DO MÊS NO MESMO ( SALDO ).
DEPOIS DE CORRIGIR O SALDO DEVEDOR, RETIRA-SE O VALOR DA PRESTAÇÃO CORRIGIDA E DEPOIS
COLOCA-SE OS JUROS DO MÊS NO SALDO DEVEDOR E DEPOIS RETIRA-SE O VALOR DA PRESTAÇÃO
CORRIGIDA. SOMENTE AO FINAL É REALIZADA A CORREÇÃO DO SALDO DEVEDOR.
TO, PORÉM NÃO EXISTE NENHUMA LEI DETALHADAMENTE ASSOCIADA A ESTA FORMA DE CÁLCULO.
CASO RESULTE SER MAIS FAVORÁVEL PELO MÉTODO MATEMATICAMENTE CORRETO, É IMPORTANTE
22.626/33 - ART. 4º.) . COMO ESPECIALISTA TÉCNICO DEVO DIZER O QUE É MATEMATICAMENTE CORRETO
UTILIZADO SOMENTE PARA DIMINUIR O SALDO DEVEDOR, SEM LEVAR EM CONTA O TEMA " CAPITALIZA-
ÇÃO DE JUROS ", NÃO EXISTE RAZÃO PARA JULGAMENTOS SOBRE A NATUREZA DOS CÁLCULOS, POIS O
OBJETIVO NÃO SERIA O DA NÃO APLICAÇÃO DE JUROS SOBRE JUROS E SIM O DE APENAS
REDUZIR UM SALDO QUE SE TORNOU ELEVADO EM DEMASIA ( PRINCIPALMENTE QUANDO ASSOCIADO O
O TEMA À 3ª. INTERPRETAÇÃO QUE INCREMENTA OS JUROS ANTES DO PAGAMENTO.
SOBRE A PRÉ DETERMINAÇÃO DO VALOR DAS PRESTAÇÕES IGUAIS :
=> PRIMEIRAMENTE É NECESSÁRIO DIZER QUE PARA A APURAÇÃO DO SALDO DEVEDOR A PARTIR
DAS PRESTAÇÕES PAGAS, NÃO É NECESSÁRIO CALCULAR O VALOR DAS MESMAS ( O SISTEMA
QUE AS GEROU NÃO É RELEVANTE ). O IMPORTANTE É A METODOLOGIA DO QUADRO DE AMORTIZA-
ÇÃO QUE IRÁ GERAR OS SALDOS DEVEDORES MÊS A MÊS DE ACORDO COM AS PRESTAÇÕES JÁ
PAGAS.
PARA FACILITAR O ENTENDIMENTO, LEIA AS INFORMAÇÕES ABAIXO :
MONTAGEM DO QUADRO DE AMORTIZAÇÃO, SENDO IMPOSSÍVEL CALCULAR COM BASE MATEMÁTICA
( CONCEITUAL ) O VALOR DAS PRESTAÇÕES SOB ESSA ÓTICA . COMO O MÉTODO NASCEU
DE UMA CONVENÇÃO, A PREDETERMINAÇÃO COM BASE TEÓRICA DO VALOR DAS PRESTAÇÕES QUE
QUE QUITAM O FINANCIAMENTO AO FINAL DO PRAZO É IMPOSSÍVEL, SENDO POSSÍVEL SOMENTE POR
TENTATIVAS.
TEMA PRICE, SAC, ETC ). SUPONDO O CÁLCULO PELOS DOS SISTEMAS PRICE, SAC OU SAM E INEXISTÊN-
CIA DE CORREÇÃO MONETÁRIA, AO APLICAR-SE A 3ª. INTERPRETAÇÃO, O SALDO SERIA ZERO
ACOMPANHARÁ A LÓGICA DA EQUAÇÃO.
PELO MÉTODO MATEMATICAMENTE CORRETO ( MÉTODO EM JUROS SIMPLES ), PODE-SE PREDETER-
MINAR COM SÓLIDA BASE TEÓRICA O VALOR DAS PRESTAÇÕES .
MONTAGEM DOS QUADROS PELOS DOIS MÉTODOS, TANTO PELO MÉTODO DO ART. 6º. DA LEI 4.380/64
COMO PELO MÉTODO MATEMATICAMENTE CORRETO.
DIZER QUE APESAR DE NÃO POSSUIR DETALHADAMENTE RESPALDO LEGAL , A CAPITALIZAÇÃO DE
JUROS É TOTALMENTE E CORRETAMENTE EXPURGADA ( OBJETIVO DA LEI DA USURA - DECRETO
E O QUE É EQUIVOCADO. É IMPORTANTE RELEMBRAR QUE QUANDO O MÉTODO DA LEI 4.380/64 É
PELO MÉTODO DA LEI 4.380-64 , INTERPRETAÇÕES 1ª. E 2ª., É POSSÍVEL APENAS REALIZAR A
PELO MÉTODO DA LEI, INTERPRETAÇÃO 3ª., É POSSÍVEL REALIZAR A MONTAGEM DO QUADRO DE
AMORTIZAÇÃO E O CÁLCULO DAS PRESTAÇÕES QUE É EFETUADO EM JUROS COMPOSTOS ( SIS-
AO FINAL DO PRAZO. PORÉM, COMO EXISTE A CORREÇÃO DEFASADA DO SALDO, O MESMO NÃO
NESTA VERSÃO DEMONSTRATIVA AS VARIAÇÕES MENSAIS ESTÃO FIXADAS EM 0,01%
Var.% de Correção Monetária dos Indexadores da Poupança desde JUL - 70
Fonte : Banco Central
TANTO O BANCO CENTRAL COMO OS ÓRGÃOS DE DEFESA DO CONSUMIDOR CON-
CORDAM QUE QUANDO DEVE-SE CORRIGIR OS SALDOS DEVEDORES DE FINAN-
CIAMENTOS HABITACIONAIS, UTILIZA-SE AS VARIAÇÕES DE CORREÇÃO MO-
NETÁRIA DOS INDEXADORES USADOS COMO REFERÊNCIA PARA O CÁLCULO
DOS RENDIMENTOS DA POUPANÇA. A PRINCÍPIO NÃO É ADEQUADO UTILIZAR
AS VARIAÇÕES CALCULADAS A PARTIR DE CADA RENDIMENTO DIVULGADO.
SE DESEJAR VISUALIZAR AS VARIAÇÕES CALCULADAS, SELECIONE A
SEÇÃO: " Var.% C. Monet. CALC. da Poup." .
MENTOS A PARTIR DE DECISÕES JUDICIAIS.
MÊS %CM 3M 4M 6M
Jul-70 0.0000 VARIAÇÃO ACUMULADA (%)
Aug-70 0.0000 A Caderneta de Poupança
Sep-70 0.0100 possuiu variação trimes-
Oct-70 0.0000 tral de forma contínua até AS VARIAÇÕES ACUMULADAS ABAIXO
Nov-70 0.0000 junho de 1983. REFEREM-SE AOS ÚLTIMOS 3, 4, 6 E
Dec-70 0.0100 12 MESES.
Jan-71 0.0000
Feb-71 0.0000
Mar-71 0.0100
Apr-71 0.0000 3 4 6
May-71 0.0000 MESES MESES MESES
Jun-71 0.0100 0.01 0.02 0.02
Jul-71 0.0000 0.01 0.01 0.02
Aug-71 0.0000 0.01 0.01 0.02
Sep-71 0.0100 0.01 0.02 0.02
Oct-71 0.0000 0.01 0.01 0.02
Nov-71 0.0000 0.01 0.01 0.02
Dec-71 0.0100 0.01 0.02 0.02
Jan-72 0.0000 0.01 0.01 0.02
Feb-72 0.0000 0.01 0.01 0.02
Mar-72 0.0100 0.01 0.02 0.02
Apr-72 0.0000 0.01 0.01 0.02
May-72 0.0000 0.01 0.01 0.02
Jun-72 0.0100 0.01 0.02 0.02
Jul-72 0.0000 0.01 0.01 0.02
Aug-72 0.0000 0.01 0.01 0.02
Sep-72 0.0100 0.01 0.02 0.02
Oct-72 0.0000 0.01 0.01 0.02
Nov-72 0.0000 0.01 0.01 0.02
Dec-72 0.0100 0.01 0.02 0.02
ATENÇÃO: AS VARIAÇÕES DESTA SEÇÃO NÃO CONTÉM EXPURGOS OU INCRE-
MÊS %CM 3M 4M 6M
Jan-73 0.0000 0.01 0.01 0.02
Feb-73 0.0000 0.01 0.01 0.02
Mar-73 0.0100 0.01 0.02 0.02
Apr-73 0.0000 0.01 0.01 0.02
May-73 0.0000 0.01 0.01 0.02
Jun-73 0.0100 0.01 0.02 0.02
Jul-73 0.0000 0.01 0.01 0.02
Aug-73 0.0000 0.01 0.01 0.02
Sep-73 0.0100 0.01 0.02 0.02
Oct-73 0.0000 0.01 0.01 0.02
Nov-73 0.0000 0.01 0.01 0.02
Dec-73 0.0100 0.01 0.02 0.02
Jan-74 0.0000 0.01 0.01 0.02
Feb-74 0.0000 0.01 0.01 0.02
Mar-74 0.0100 0.01 0.02 0.02
Apr-74 0.0000 0.01 0.01 0.02
May-74 0.0000 0.01 0.01 0.02
Jun-74 0.0100 0.01 0.02 0.02
Jul-74 0.0000 0.01 0.01 0.02
Aug-74 0.0000 0.01 0.01 0.02
Sep-74 0.0100 0.01 0.02 0.02
Oct-74 0.0000 0.01 0.01 0.02
Nov-74 0.0000 0.01 0.01 0.02
Dec-74 0.0100 0.01 0.02 0.02
Jan-75 0.0000 0.01 0.01 0.02
Feb-75 0.0000 0.01 0.01 0.02
Mar-75 0.0100 0.01 0.02 0.02
Apr-75 0.0000 0.01 0.01 0.02
May-75 0.0000 0.01 0.01 0.02
Jun-75 0.0100 0.01 0.02 0.02
Jul-75 0.0000 0.01 0.01 0.02
Aug-75 0.0000 0.01 0.01 0.02
Sep-75 0.0100 0.01 0.02 0.02
Oct-75 0.0000 0.01 0.01 0.02
Nov-75 0.0000 0.01 0.01 0.02
Dec-75 0.0100 0.01 0.02 0.02
Jan-76 0.0000 0.01 0.01 0.02
Feb-76 0.0000 0.01 0.01 0.02
Mar-76 0.0100 0.01 0.02 0.02
Apr-76 0.0000 0.01 0.01 0.02
May-76 0.0000 0.01 0.01 0.02
Jun-76 0.0100 0.01 0.02 0.02
Jul-76 0.0000 0.01 0.01 0.02
Aug-76 0.0000 0.01 0.01 0.02
Sep-76 0.0100 0.01 0.02 0.02
MÊS %CM 3M 4M 6M
Oct-76 0.0000 0.01 0.01 0.02
Nov-76 0.0000 0.01 0.01 0.02
Dec-76 0.0100 0.01 0.02 0.02
Jan-77 0.0000 0.01 0.01 0.02
Feb-77 0.0000 0.01 0.01 0.02
Mar-77 0.0100 0.01 0.02 0.02
Apr-77 0.0000 0.01 0.01 0.02
May-77 0.0000 0.01 0.01 0.02
Jun-77 0.0100 0.01 0.02 0.02
Jul-77 0.0000 0.01 0.01 0.02
Aug-77 0.0000 0.01 0.01 0.02
Sep-77 0.0100 0.01 0.02 0.02
Oct-77 0.0000 0.01 0.01 0.02
Nov-77 0.0000 0.01 0.01 0.02
Dec-77 0.0100 0.01 0.02 0.02
Jan-78 0.0000 0.01 0.01 0.02
Feb-78 0.0000 0.01 0.01 0.02
Mar-78 0.0100 0.01 0.02 0.02
Apr-78 0.0000 0.01 0.01 0.02
May-78 0.0000 0.01 0.01 0.02
Jun-78 0.0100 0.01 0.02 0.02
Jul-78 0.0000 0.01 0.01 0.02
Aug-78 0.0000 0.01 0.01 0.02
Sep-78 0.0100 0.01 0.02 0.02
Oct-78 0.0000 0.01 0.01 0.02
Nov-78 0.0000 0.01 0.01 0.02
Dec-78 0.0100 0.01 0.02 0.02
Jan-79 0.0000 0.01 0.01 0.02
Feb-79 0.0000 0.01 0.01 0.02
Mar-79 0.0100 0.01 0.02 0.02
Apr-79 0.0000 0.01 0.01 0.02
May-79 0.0000 0.01 0.01 0.02
Jun-79 0.0100 0.01 0.02 0.02
Jul-79 0.0000 0.01 0.01 0.02
Aug-79 0.0000 0.01 0.01 0.02
Sep-79 0.0100 0.01 0.02 0.02
Oct-79 0.0000 0.01 0.01 0.02
Nov-79 0.0000 0.01 0.01 0.02
Dec-79 0.0100 0.01 0.02 0.02
Jan-80 0.0000 0.01 0.01 0.02
Feb-80 0.0000 0.01 0.01 0.02
Mar-80 0.0100 0.01 0.02 0.02
Apr-80 0.0000 0.01 0.01 0.02
May-80 0.0000 0.01 0.01 0.02
Jun-80 0.0100 0.01 0.02 0.02
MÊS %CM 3M 4M 6M
Jul-80 0.0000 0.01 0.01 0.02
Aug-80 0.0000 0.01 0.01 0.02
Sep-80 0.0100 0.01 0.02 0.02
Oct-80 0.0000 0.01 0.01 0.02
Nov-80 0.0000 0.01 0.01 0.02
Dec-80 0.0100 0.01 0.02 0.02
Jan-81 0.0000 0.01 0.01 0.02
Feb-81 0.0000 0.01 0.01 0.02
Mar-81 0.0100 0.01 0.02 0.02
Apr-81 0.0000 0.01 0.01 0.02
May-81 0.0000 0.01 0.01 0.02
Jun-81 0.0100 0.01 0.02 0.02
Jul-81 0.0000 0.01 0.01 0.02
Aug-81 0.0000 0.01 0.01 0.02
Sep-81 0.0100 0.01 0.02 0.02
Oct-81 0.0000 0.01 0.01 0.02
Nov-81 0.0000 0.01 0.01 0.02
Dec-81 0.0100 0.01 0.02 0.02
Jan-82 0.0000 0.01 0.01 0.02
Feb-82 0.0000 0.01 0.01 0.02
Mar-82 0.0100 0.01 0.02 0.02
Apr-82 0.0000 0.01 0.01 0.02
May-82 0.0000 0.01 0.01 0.02
Jun-82 0.0100 0.01 0.02 0.02
Jul-82 0.0000 0.01 0.01 0.02
Aug-82 0.0000 0.01 0.01 0.02
Sep-82 0.0100 0.01 0.02 0.02
Oct-82 0.0000 0.01 0.01 0.02
Nov-82 0.0000 0.01 0.01 0.02
Dec-82 0.0100 0.01 0.02 0.02
Jan-83 0.0000 0.01 0.01 0.02
Feb-83 0.0000 0.01 0.01 0.02
Mar-83 0.0100 0.01 0.02 0.02
Apr-83 0.0000 0.01 0.01 0.02
May-83 0.0000 0.01 0.01 0.02
Jun-83 0.0100 0.01 0.02 0.02
Jul-83 0.0100 0.02 0.02 0.03
Aug-83 0.0100 0.03 0.03 0.04
Sep-83 0.0100 0.03 0.04 0.04
Oct-83 0.0100 0.03 0.04 0.05
Nov-83 0.0100 0.03 0.04 0.06
Dec-83 0.0100 0.03 0.04 0.06
Jan-84 0.0100 0.03 0.04 0.06
Feb-84 0.0100 0.03 0.04 0.06
Mar-84 0.0100 0.03 0.04 0.06
MÊS %CM 3M 4M 6M
Apr-84 0.0100 0.03 0.04 0.06
May-84 0.0100 0.03 0.04 0.06
Jun-84 0.0100 0.03 0.04 0.06
Jul-84 0.0100 0.03 0.04 0.06
Aug-84 0.0100 0.03 0.04 0.06
Sep-84 0.0100 0.03 0.04 0.06
Oct-84 0.0100 0.03 0.04 0.06
Nov-84 0.0100 0.03 0.04 0.06
Dec-84 0.0100 0.03 0.04 0.06
Jan-85 0.0100 0.03 0.04 0.06
Feb-85 0.0100 0.03 0.04 0.06
Mar-85 0.0100 0.03 0.04 0.06
Apr-85 0.0100 0.03 0.04 0.06
May-85 0.0100 0.03 0.04 0.06
Jun-85 0.0100 0.03 0.04 0.06
Jul-85 0.0100 0.03 0.04 0.06
Aug-85 0.0100 0.03 0.04 0.06
Sep-85 0.0100 0.03 0.04 0.06
Oct-85 0.0100 0.03 0.04 0.06
Nov-85 0.0100 0.03 0.04 0.06
Dec-85 0.0100 0.03 0.04 0.06
Jan-86 0.0100 0.03 0.04 0.06
Feb-86 0.0100 0.03 0.04 0.06
Mar-86 0.0100 0.03 0.04 0.06
Apr-86 0.0100 A 0.03 0.04 0.06
May-86 0.0100 A Caderneta de Poupança 0.03 0.04 0.06
Jun-86 0.0100 possuiu durante a época 0.03 0.04 0.06
Jul-86 0.0100 B indicada pelas fases à 0.03 0.04 0.06
Aug-86 0.0100 esquerda A, B e C, rendi- 0.03 0.04 0.06
Sep-86 0.0100 mento trimestral. 0.03 0.04 0.06
Oct-86 0.0100 C 0.03 0.04 0.06
Nov-86 0.0100 0.03 0.04 0.06
Dec-86 0.0100 0.03 0.04 0.06
Jan-87 0.0100 0.03 0.04 0.06
Feb-87 0.0100 0.03 0.04 0.06
Mar-87 0.0100 0.03 0.04 0.06
Apr-87 0.0100 0.03 0.04 0.06
May-87 0.0100 0.03 0.04 0.06
Jun-87 0.0100 0.03 0.04 0.06
Jul-87 0.0100 0.03 0.04 0.06
Aug-87 0.0100 0.03 0.04 0.06
Sep-87 0.0100 0.03 0.04 0.06
Oct-87 0.0100 0.03 0.04 0.06
Nov-87 0.0100 0.03 0.04 0.06
Dec-87 0.0100 0.03 0.04 0.06
MÊS %CM 3M 4M 6M
Jan-88 0.0100 0.03 0.04 0.06
Feb-88 0.0100 0.03 0.04 0.06
Mar-88 0.0100 0.03 0.04 0.06
Apr-88 0.0100 0.03 0.04 0.06
May-88 0.0100 0.03 0.04 0.06
Jun-88 0.0100 0.03 0.04 0.06
Jul-88 0.0100 0.03 0.04 0.06
Aug-88 0.0100 0.03 0.04 0.06
Sep-88 0.0100 0.03 0.04 0.06
Oct-88 0.0100 0.03 0.04 0.06
Nov-88 0.0100 0.03 0.04 0.06
Dec-88 0.0100 0.03 0.04 0.06
Jan-89 0.0100 0.03 0.04 0.06
Feb-89 0.0100 0.03 0.04 0.06
Mar-89 0.0100 0.03 0.04 0.06
Apr-89 0.0100 0.03 0.04 0.06
May-89 0.0100 0.03 0.04 0.06
Jun-89 0.0100 0.03 0.04 0.06
Jul-89 0.0100 0.03 0.04 0.06
Aug-89 0.0100 0.03 0.04 0.06
Sep-89 0.0100 0.03 0.04 0.06
Oct-89 0.0100 0.03 0.04 0.06
Nov-89 0.0100 0.03 0.04 0.06
Dec-89 0.0100 0.03 0.04 0.06
Jan-90 0.0100 0.03 0.04 0.06
Feb-90 0.0100 0.03 0.04 0.06
Mar-90 0.0100 0.03 0.04 0.06
Apr-90 0.0100 0.03 0.04 0.06
May-90 0.0100 0.03 0.04 0.06
Jun-90 0.0100 0.03 0.04 0.06
Jul-90 0.0100 0.03 0.04 0.06
Aug-90 0.0100 0.03 0.04 0.06
Sep-90 0.0100 0.03 0.04 0.06
Oct-90 0.0100 0.03 0.04 0.06
Nov-90 0.0100 0.03 0.04 0.06
Dec-90 0.0100 0.03 0.04 0.06
Jan-91 0.0100 0.03 0.04 0.06
Feb-91 0.0100 0.03 0.04 0.06
Mar-91 0.0100 0.03 0.04 0.06
Apr-91 0.0100 0.03 0.04 0.06
May-91 0.0100 0.03 0.04 0.06
Jun-91 0.0100 0.03 0.04 0.06
Jul-91 0.0100 0.03 0.04 0.06
Aug-91 0.0100 0.03 0.04 0.06
Sep-91 0.0100 0.03 0.04 0.06
MÊS %CM 3M 4M 6M
Oct-91 0.0100 0.03 0.04 0.06
Nov-91 0.0100 0.03 0.04 0.06
Dec-91 0.0100 0.03 0.04 0.06
Jan-92 0.0100 0.03 0.04 0.06
Feb-92 0.0100 0.03 0.04 0.06
Mar-92 0.0100 0.03 0.04 0.06
Apr-92 0.0100 0.03 0.04 0.06
May-92 0.0100 0.03 0.04 0.06
Jun-92 0.0100 0.03 0.04 0.06
Jul-92 0.0100 0.03 0.04 0.06
Aug-92 0.0100 0.03 0.04 0.06
Sep-92 0.0100 0.03 0.04 0.06
Oct-92 0.0100 0.03 0.04 0.06
Nov-92 0.0100 0.03 0.04 0.06
Dec-92 0.0100 0.03 0.04 0.06
Jan-93 0.0100 0.03 0.04 0.06
Feb-93 0.0100 0.03 0.04 0.06
Mar-93 0.0100 0.03 0.04 0.06
Apr-93 0.0100 0.03 0.04 0.06
May-93 0.0100 0.03 0.04 0.06
Jun-93 0.0100 0.03 0.04 0.06
Jul-93 0.0100 0.03 0.04 0.06
Aug-93 0.0100 0.03 0.04 0.06
Sep-93 0.0100 0.03 0.04 0.06
Oct-93 0.0100 0.03 0.04 0.06
Nov-93 0.0100 0.03 0.04 0.06
Dec-93 0.0100 0.03 0.04 0.06
Jan-94 0.0100 0.03 0.04 0.06
Feb-94 0.0100 0.03 0.04 0.06
Mar-94 0.0100 0.03 0.04 0.06
Apr-94 0.0100 0.03 0.04 0.06
May-94 0.0100 0.03 0.04 0.06
Jun-94 0.0100 0.03 0.04 0.06
Jul-94 0.0100 0.03 0.04 0.06
Aug-94 0.0100 0.03 0.04 0.06
Sep-94 0.0100 0.03 0.04 0.06
Oct-94 0.0100 0.03 0.04 0.06
Nov-94 0.0100 0.03 0.04 0.06
Dec-94 0.0100 0.03 0.04 0.06
Jan-95 0.0100 0.03 0.04 0.06
Feb-95 0.0100 0.03 0.04 0.06
Mar-95 0.0100 0.03 0.04 0.06
Apr-95 0.0100 0.03 0.04 0.06
May-95 0.0100 0.03 0.04 0.06
Jun-95 0.0100 0.03 0.04 0.06
MÊS %CM 3M 4M 6M
Jul-95 0.0100 0.03 0.04 0.06
Aug-95 0.0100 0.03 0.04 0.06
Sep-95 0.0100 0.03 0.04 0.06
Oct-95 0.0100 0.03 0.04 0.06
Nov-95 0.0100 0.03 0.04 0.06
Dec-95 0.0100 0.03 0.04 0.06
Jan-96 0.0100 0.03 0.04 0.06
Feb-96 0.0100 0.03 0.04 0.06
Mar-96 0.0100 0.03 0.04 0.06
Apr-96 0.0100 0.03 0.04 0.06
May-96 0.0100 0.03 0.04 0.06
Jun-96 0.0100 0.03 0.04 0.06
Jul-96 0.0100 0.03 0.04 0.06
Aug-96 0.0100 0.03 0.04 0.06
Sep-96 0.0100 0.03 0.04 0.06
Oct-96 0.0100 0.03 0.04 0.06
Nov-96 0.0100 0.03 0.04 0.06
Dec-96 0.0100 0.03 0.04 0.06
Jan-97 0.0100 0.03 0.04 0.06
Feb-97 0.0100 0.03 0.04 0.06
Mar-97 0.0100 0.03 0.04 0.06
Apr-97 0.0100 0.03 0.04 0.06
May-97 0.0100 0.03 0.04 0.06
Jun-97 0.0100 0.03 0.04 0.06
Jul-97 0.0100 0.03 0.04 0.06
Aug-97 0.0100 0.03 0.04 0.06
Sep-97 0.0100 0.03 0.04 0.06
Oct-97 0.0100 0.03 0.04 0.06
Nov-97 0.0100 0.03 0.04 0.06
Dec-97 0.0100 0.03 0.04 0.06
Jan-98 0.0100 0.03 0.04 0.06
Feb-98 0.0100 0.03 0.04 0.06
Mar-98 0.0100 0.03 0.04 0.06
Apr-98 0.0100 0.03 0.04 0.06
May-98 0.0100 0.03 0.04 0.06
Jun-98 0.0100 0.03 0.04 0.06
Jul-98 0.0100 0.03 0.04 0.06
Aug-98 0.0100 0.03 0.04 0.06
Sep-98 0.0100 0.03 0.04 0.06
Oct-98 0.0100 0.03 0.04 0.06
Nov-98 0.0100 0.03 0.04 0.06
Dec-98 0.0100 0.03 0.04 0.06
Jan-99 0.0100 0.03 0.04 0.06
Feb-99 0.0100 0.03 0.04 0.06
Mar-99 0.0100 0.03 0.04 0.06
MÊS %CM 3M 4M 6M
Apr-99 0.0100 0.03 0.04 0.06
May-99 0.0100 0.03 0.04 0.06
Jun-99 0.0100 0.03 0.04 0.06
Jul-99 0.0100 0.03 0.04 0.06
Aug-99 0.0100 0.03 0.04 0.06
Sep-99 0.0100 0.03 0.04 0.06
Oct-99 0.0100 0.03 0.04 0.06
Nov-99 0.0100 0.03 0.04 0.06
Dec-99 0.0100 0.03 0.04 0.06
Jan-00 0.0100 0.03 0.04 0.06
Feb-00 0.0100 0.03 0.04 0.06
Mar-00 0.0100 0.03 0.04 0.06
Apr-00 0.0100 0.03 0.04 0.06
May-00 0.0100 0.03 0.04 0.06
Jun-00 0.0100 0.03 0.04 0.06
Jul-00 0.0100 0.03 0.04 0.06
Aug-00 0.0100 0.03 0.04 0.06
Sep-00 0.0100 0.03 0.04 0.06
Oct-00 0.0100 0.03 0.04 0.06
Nov-00 0.0100 0.03 0.04 0.06
Dec-00 0.0100 0.03 0.04 0.06
Jan-01 0.0100 0.03 0.04 0.06
Feb-01 0.0100 0.03 0.04 0.06
Mar-01 0.0100 0.03 0.04 0.06
Apr-01 0.0100 0.03 0.04 0.06
May-01 0.0100 0.03 0.04 0.06
Jun-01 0.0100 0.03 0.04 0.06
Jul-01 0.0100 0.03 0.04 0.06
Aug-01 0.0100 0.03 0.04 0.06
Sep-01 0.0100 0.03 0.04 0.06
Oct-01 0.0100 0.03 0.04 0.06
Nov-01 0.0100 0.03 0.04 0.06
Dec-01 0.0100 0.03 0.04 0.06
Jan-02 0.0100 0.03 0.04 0.06
Feb-02 0.0100 0.03 0.04 0.06
Mar-02 0.0100 0.03 0.04 0.06
Apr-02 0.0100 0.03 0.04 0.06
May-02 0.0100 0.03 0.04 0.06
Jun-02 0.0100 0.03 0.04 0.06
Jul-02 0.0100 0.03 0.04 0.06
Aug-02 0.0100 0.03 0.04 0.06
Sep-02 0.0100 0.03 0.04 0.06
Oct-02 0.0100 0.03 0.04 0.06
Nov-02 0.0100 0.03 0.04 0.06
Dec-02 0.0100 0.03 0.04 0.06
MÊS %CM 3M 4M 6M
Jan-03 0.0100 0.03 0.04 0.06
Feb-03 0.0100 0.03 0.04 0.06
Mar-03 0.0100 0.03 0.04 0.06
Apr-03 0.0100 0.03 0.04 0.06
May-03 0.0100 0.03 0.04 0.06
Jun-03 0.0100 0.03 0.04 0.06
Jul-03 0.0100 0.03 0.04 0.06
Aug-03 0.0100 0.03 0.04 0.06
Sep-03 0.0100 0.03 0.04 0.06
Oct-03 0.0100 0.03 0.04 0.06
Nov-03 0.0100 0.03 0.04 0.06
Dec-03 0.0100 0.03 0.04 0.06
Jan-04 0.0100 0.03 0.04 0.06
Feb-04 0.0100 0.03 0.04 0.06
Mar-04 0.0100 0.03 0.04 0.06
Apr-04
May-04
Jun-04
Jul-04
Aug-04
Sep-04
Oct-04
Nov-04
Dec-04
Jan-05
Feb-05
Mar-05
Apr-05
May-05
Jun-05
Jul-05
Aug-05
Sep-05
Oct-05
Nov-05
Dec-05
Jan-06
Feb-06
Mar-06
Apr-06
May-06
Jun-06
Jul-06
Aug-06
Sep-06
MÊS %CM 3M 4M 6M
Oct-06
Nov-06
Dec-06
Jan-07
Feb-07
Mar-07
Apr-07
May-07
Jun-07
Jul-07
Aug-07
Sep-07
Oct-07
Nov-07
Dec-07
Jan-08
Feb-08
Mar-08
Apr-08
May-08
Jun-08
Jul-08
Aug-08
Sep-08
Oct-08
Nov-08
Dec-08
Jan-09
Feb-09
Mar-09
Apr-09
May-09
Jun-09
Jul-09
Aug-09
Sep-09
Oct-09
Nov-09
Dec-09
Jan-10
Feb-10
Mar-10
Apr-10
May-10
Jun-10
MÊS %CM 3M 4M 6M
Jul-10
Aug-10
Sep-10
Oct-10
Nov-10
Dec-10
Jan-11
Feb-11
Mar-11
Apr-11
May-11
Jun-11
Jul-11
Aug-11
Sep-11
Oct-11
Nov-11
Dec-11
Jan-12
Feb-12
Mar-12
Apr-12
May-12
Jun-12
Jul-12
Aug-12
Sep-12
Oct-12
Nov-12
Dec-12
Jan-13
Feb-13
Mar-13
Apr-13
May-13
Jun-13
Jul-13
Aug-13
Sep-13
Oct-13
Nov-13
Dec-13
Jan-14
Feb-14
Mar-14
MÊS %CM 3M 4M 6M
Apr-14
May-14
Jun-14
Jul-14
Aug-14
Sep-14
Oct-14
Nov-14
Dec-14
Jan-15
Feb-15
Mar-15
Apr-15
May-15
Jun-15
Jul-15
Aug-15
Sep-15
Oct-15
Nov-15
Dec-15
12M
VARIAÇÃO ACUMULADA (%)
AS VARIAÇÕES ACUMULADAS ABAIXO
REFEREM-SE AOS ÚLTIMOS 3, 4, 6 E
12
MESES
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
12M
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
12M
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
12M
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.05
0.06
0.06
0.07
0.08
0.08
0.09
0.10
0.10
12M
0.11
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
12M
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
12M
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
12M
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
12M
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
12M
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
12M
12M
12M
NESTA VERSÃO DEMONSTRATIVA AS VARIAÇÕES MENSAIS ESTÃO FIXADAS EM 0,01%
TR - Diária _ 1 - 28 desde FEV - 91
Fonte : Banco Central
EXEMPLO :
1 2 3 4 5 6 7 8
FEV - 1991 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
MAR - 1991 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
ABR - 1991 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
MAI - 1991 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
JUN - 1991 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
JUL - 1991 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
AGO - 1991 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
SET - 1991 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
OUT - 1991 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
NOV - 1991 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
DEZ - 1991 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
JAN - 1992 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
FEV - 1992 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
MAR - 1992 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
ABR - 1992 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
MAI - 1992 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
JUN - 1992 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
JUL - 1992 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
AGO - 1992 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
SET - 1992 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
OUT - 1992 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
NOV - 1992 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
DEZ - 1992 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
JAN - 1993 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
FEV - 1993 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
MAR - 1993 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
ABR - 1993 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
MAI - 1993 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
JUN - 1993 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
JUL - 1993 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
AGO - 1993 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
SET - 1993 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
OUT - 1993 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
NOV - 1993 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
CASO DESEJAR CORRIGIR O VALOR DE UM PAGAMENTO VENCIDO NO DIA 12/10/1991, UTILIZAR A TR DO DIA 12/09/1991
DEZ - 1993 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
JAN - 1994 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
FEV - 1994 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
MAR - 1994 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
ABR - 1994 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
MAI - 1994 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
JUN - 1994 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
JUL - 1994 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
AGO - 1994 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
SET - 1994 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
OUT - 1994 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
NOV - 1994 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
DEZ - 1994 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
JAN - 1995 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
FEV - 1995 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
MAR - 1995 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
ABR - 1995 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
MAI - 1995 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
JUN - 1995 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
JUL - 1995 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
AGO - 1995 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
SET - 1995 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
OUT - 1995 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
NOV - 1995 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
DEZ - 1995 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
JAN - 1996 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
FEV - 1996 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
MAR - 1996 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
ABR - 1996 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
MAI - 1996 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
JUN - 1996 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
JUL - 1996 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
AGO - 1996 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
SET - 1996 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
OUT - 1996 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
NOV - 1996 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
DEZ - 1996 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
JAN - 1997 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
FEV - 1997 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
MAR - 1997 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
ABR - 1997 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
MAI - 1997 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
JUN - 1997 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
JUL - 1997 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
AGO - 1997 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
SET - 1997 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
OUT - 1997 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
NOV - 1997 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
DEZ - 1997 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
JAN - 1998 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
FEV - 1998 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
MAR - 1998 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
ABR - 1998 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
MAI - 1998 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
JUN - 1998 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
JUL - 1998 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
AGO - 1998 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
SET - 1998 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
OUT - 1998 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
NOV - 1998 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
DEZ - 1998 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
JAN - 1999 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
FEV - 1999 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
MAR - 1999 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
ABR - 1999 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
MAI - 1999 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
JUN - 1999 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
JUL - 1999 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
AGO - 1999 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
SET - 1999 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
OUT - 1999 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
NOV - 1999 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
DEZ - 1999 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
JAN - 2000 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
FEV - 2000 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
MAR - 2000 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
ABR - 2000 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
MAI - 2000 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
JUN - 2000 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
JUL - 2000 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
AGO - 2000 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
SET - 2000 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
OUT - 2000 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
NOV - 2000 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
DEZ - 2000 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
JAN - 2001 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
FEV - 2001 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
MAR - 2001 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
ABR - 2001 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
MAI - 2001 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
JUN - 2001 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
JUL - 2001 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
AGO - 2001 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
SET - 2001 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
OUT - 2001 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
NOV - 2001 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
DEZ - 2001 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
JAN - 2002 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
FEV - 2002 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
MAR - 2002 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
ABR - 2002 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
MAI - 2002 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
JUN - 2002 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
JUL - 2002 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
AGO - 2002 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
SET - 2002 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
OUT - 2002 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
NOV - 2002 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
DEZ - 2002 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
JAN - 2003 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
FEV - 2003 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
MAR - 2003 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
ABR - 2003 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
MAI - 2003 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
JUN - 2003 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
JUL - 2003 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
AGO - 2003 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
SET - 2003 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
OUT - 2003 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
NOV - 2003 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
DEZ - 2003 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
JAN - 2004 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
FEV - 2004 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
MAR - 2004 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
ABR - 2004 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
MAI - 2004 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
JUN - 2004 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
JUL - 2004 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
AGO - 2004 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
SET - 2004 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
OUT - 2004 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
NOV - 2004 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
DEZ - 2004 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
JAN - 2005 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
FEV - 2005 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
MAR - 2005 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
ABR - 2005MAI - 2005JUN - 2005JUL - 2005AGO - 2005SET - 2005OUT - 2005NOV - 2005DEZ - 2005
JAN - 2006FEV - 2006MAR - 2006ABR - 2006MAI - 2006JUN - 2006JUL - 2006AGO - 2006SET - 2006OUT - 2006NOV - 2006DEZ - 2006
JAN - 2007FEV - 2007MAR - 2007ABR - 2007MAI - 2007JUN - 2007JUL - 2007AGO - 2007SET - 2007OUT - 2007NOV - 2007DEZ - 2007
JAN - 2008FEV - 2008MAR - 2008ABR - 2008MAI - 2008JUN - 2008JUL - 2008
AGO - 2008SET - 2008OUT - 2008NOV - 2008DEZ - 2008
JAN - 2009FEV - 2009MAR - 2009ABR - 2009MAI - 2009JUN - 2009JUL - 2009AGO - 2009SET - 2009OUT - 2009NOV - 2009DEZ - 2009
JAN - 2010FEV - 2010MAR - 2010ABR - 2010MAI - 2010JUN - 2010JUL - 2010AGO - 2010SET - 2010OUT - 2010NOV - 2010DEZ - 2010
JAN - 2011FEV - 2011MAR - 2011ABR - 2011MAI - 2011JUN - 2011JUL - 2011AGO - 2011SET - 2011OUT - 2011NOV - 2011DEZ - 2011
JAN - 2012FEV - 2012MAR - 2012ABR - 2012MAI - 2012JUN - 2012JUL - 2012
AGO - 2012SET - 2012OUT - 2012NOV - 2012DEZ - 2012
JAN - 2013FEV - 2013MAR - 2013ABR - 2013MAI - 2013JUN - 2013JUL - 2013AGO - 2013SET - 2013OUT - 2013NOV - 2013DEZ - 2013
JAN - 2014FEV - 2014MAR - 2014ABR - 2014MAI - 2014JUN - 2014JUL - 2014AGO - 2014SET - 2014OUT - 2014NOV - 2014DEZ - 2014
JAN - 2015FEV - 2015MAR - 2015ABR - 2015MAI - 2015JUN - 2015JUL - 2015AGO - 2015SET - 2015OUT - 2015NOV - 2015DEZ - 2015
9 10 11 12 13 14 15 16 17 18
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
, UTILIZAR A TR DO DIA 12/09/1991.
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
19 20 21 22 23 24 25 26 27 28
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
NESTA VERSÃO DEMONSTRATIVA AS VARIAÇÕES MENSAIS ESTÃO FIXADAS EM 0,01%
Var.% do Indexador de Correção Monetária para os Financiamentos Habitacionais
com recursos do Fundo de Garantia por Tempo de Serviço desde JUN - 91 até
Fonte : Caixa Econômica Federal
ESTA SÉRIE É ESPECÍFICA PARA HABITAÇÃO, PORTANTO NÃO CONTÉM OS JUROS
UTILIZADOS PARA A DETERMINAÇÃO DOS RENDIMENTOS MENSAIS DAS CONTAS
VINCULADAS AO FGTS (DESTA FORMA, UTILIZE APENAS EM HABITAÇÃO).
MÊS %CM 3M 4M 6M 12M
Jun-91 0.0100 VARIAÇÃO ACUMULADA (%)
Jul-91 0.0100
Aug-91 0.0100
Sep-91 0.0100 AS VARIAÇÕES ACUMULADAS ABAIXO
Oct-91 0.0100 REFEREM-SE AOS ÚLTIMOS 3, 4, 6 E
Nov-91 0.0100 12 MESES.
Dec-91 0.0100
Jan-92 0.0100
Feb-92 0.0100
Mar-92 0.0100 3 4 6 12
Apr-92 0.0100 MESES MESES MESES MESES
May-92 0.0100 0.03 0.04 0.06 0.12
Jun-92 0.0100 0.03 0.04 0.06 0.12
Jul-92 0.0100 0.03 0.04 0.06 0.12
Aug-92 0.0100 0.03 0.04 0.06 0.12
Sep-92 0.0100 0.03 0.04 0.06 0.12
Oct-92 0.0100 0.03 0.04 0.06 0.12
Nov-92 0.0100 0.03 0.04 0.06 0.12
Dec-92 0.0100 0.03 0.04 0.06 0.12
Jan-93 0.0100 0.03 0.04 0.06 0.12
Feb-93 0.0100 0.03 0.04 0.06 0.12
Mar-93 0.0100 0.03 0.04 0.06 0.12
Apr-93 0.0100 0.03 0.04 0.06 0.12
May-93 0.0100 0.03 0.04 0.06 0.12
Jun-93 0.0100 0.03 0.04 0.06 0.12
Jul-93 0.0100 0.03 0.04 0.06 0.12
Aug-93 0.0100 0.03 0.04 0.06 0.12
Sep-93 0.0100 0.03 0.04 0.06 0.12
Oct-93 0.0100 0.03 0.04 0.06 0.12
Nov-93 0.0100 0.03 0.04 0.06 0.12
Dec-93 0.0100 0.03 0.04 0.06 0.12
Jan-94 0.0100 0.03 0.04 0.06 0.12
Feb-94 0.0100 0.03 0.04 0.06 0.12
Mar-94 0.0100 0.03 0.04 0.06 0.12
Apr-94 0.0100 0.03 0.04 0.06 0.12
SET - 95 ( em seguida utiliza-se a TR " MENSAL " ).
MÊS %CM 3M 4M 6M 12M
May-94 0.0100 0.03 0.04 0.06 0.12
Jun-94 0.0100 0.03 0.04 0.06 0.12
Jul-94 0.0100 0.03 0.04 0.06 0.12
Aug-94 0.0100 0.03 0.04 0.06 0.12
Sep-94 0.0100 0.03 0.04 0.06 0.12
Oct-94 0.0100 0.03 0.04 0.06 0.12
Nov-94 0.0100 0.03 0.04 0.06 0.12
Dec-94 0.0100 0.03 0.04 0.06 0.12
Jan-95 0.0100 0.03 0.04 0.06 0.12
Feb-95 0.0100 0.03 0.04 0.06 0.12
Mar-95 0.0100 0.03 0.04 0.06 0.12
Apr-95 0.0100 0.03 0.04 0.06 0.12
May-95 0.0100 0.03 0.04 0.06 0.12
Jun-95 0.0100 0.03 0.04 0.06 0.12
Jul-95 0.0100 0.03 0.04 0.06 0.12
Aug-95 0.0100 0.03 0.04 0.06 0.12
Sep-95 0.0100 0.03 0.04 0.06 0.12
TR
DE OUT - 95 ATÉ O MOMENTO.
" Var.% dos Indexadores da Poup."
A PARTIR DE OUT - 95 A TR " MENSAL " COMEÇOU A SER UTILIZADA .
A TR " MENSAL " CHAMADA DE TR, É O INDEXADOR DOS FINANCIAMENTOS-FGTS A PARTIR
AS TRs ESTÃO CONTIDAS NA SEÇÃO :
NESTA VERSÃO DEMONSTRATIVA AS VARIAÇÕES MENSAIS ESTÃO FIXADAS EM 0,01%
Fonte : IBGE
MÊS %CM 3M 4M 6M 12M
Apr-79 0.01 VARIAÇÃO ACUMULADA (%)
May-79 0.01
Jun-79 0.01
Jul-79 0.01 AS VARIAÇÕES ACUMULADAS ABAIXO
Aug-79 0.01 REFEREM-SE AOS ÚLTIMOS 3, 4, 6 E
Sep-79 0.01 12 MESES.
Oct-79 0.01
Nov-79 0.01
Dec-79 0.01
Jan-80 0.01 3 4 6 12
Feb-80 0.01 MESES MESES MESES MESES
Mar-80 0.01 0.03 0.04 0.06 0.12
Apr-80 0.01 0.03 0.04 0.06 0.12
May-80 0.01 0.03 0.04 0.06 0.12
Jun-80 0.01 0.03 0.04 0.06 0.12
Jul-80 0.01 0.03 0.04 0.06 0.12
Aug-80 0.01 0.03 0.04 0.06 0.12
Sep-80 0.01 0.03 0.04 0.06 0.12
Oct-80 0.01 0.03 0.04 0.06 0.12
Nov-80 0.01 0.03 0.04 0.06 0.12
Dec-80 0.01 0.03 0.04 0.06 0.12
Jan-81 0.01 0.03 0.04 0.06 0.12
Feb-81 0.01 0.03 0.04 0.06 0.12
Mar-81 0.01 0.03 0.04 0.06 0.12
Apr-81 0.01 0.03 0.04 0.06 0.12
May-81 0.01 0.03 0.04 0.06 0.12
Jun-81 0.01 0.03 0.04 0.06 0.12
Jul-81 0.01 0.03 0.04 0.06 0.12
Aug-81 0.01 0.03 0.04 0.06 0.12
Sep-81 0.01 0.03 0.04 0.06 0.12
Oct-81 0.01 0.03 0.04 0.06 0.12
Nov-81 0.01 0.03 0.04 0.06 0.12
Dec-81 0.01 0.03 0.04 0.06 0.12
Jan-82 0.01 0.03 0.04 0.06 0.12
Feb-82 0.01 0.03 0.04 0.06 0.12
Mar-82 0.01 0.03 0.04 0.06 0.12
Apr-82 0.01 0.03 0.04 0.06 0.12
May-82 0.01 0.03 0.04 0.06 0.12
Jun-82 0.01 0.03 0.04 0.06 0.12
Var.% do INPC ( ÍNDICE NACIONAL DE PREÇOS AO CONSUMIDOR - IBGE ) desde ABR - 79
MÊS %CM 3M 4M 6M 12M
Jul-82 0.01 0.03 0.04 0.06 0.12
Aug-82 0.01 0.03 0.04 0.06 0.12
Sep-82 0.01 0.03 0.04 0.06 0.12
Oct-82 0.01 0.03 0.04 0.06 0.12
Nov-82 0.01 0.03 0.04 0.06 0.12
Dec-82 0.01 0.03 0.04 0.06 0.12
Jan-83 0.01 0.03 0.04 0.06 0.12
Feb-83 0.01 0.03 0.04 0.06 0.12
Mar-83 0.01 0.03 0.04 0.06 0.12
Apr-83 0.01 0.03 0.04 0.06 0.12
May-83 0.01 0.03 0.04 0.06 0.12
Jun-83 0.01 0.03 0.04 0.06 0.12
Jul-83 0.01 0.03 0.04 0.06 0.12
Aug-83 0.01 0.03 0.04 0.06 0.12
Sep-83 0.01 0.03 0.04 0.06 0.12
Oct-83 0.01 0.03 0.04 0.06 0.12
Nov-83 0.01 0.03 0.04 0.06 0.12
Dec-83 0.01 0.03 0.04 0.06 0.12
Jan-84 0.01 0.03 0.04 0.06 0.12
Feb-84 0.01 0.03 0.04 0.06 0.12
Mar-84 0.01 0.03 0.04 0.06 0.12
Apr-84 0.01 0.03 0.04 0.06 0.12
May-84 0.01 0.03 0.04 0.06 0.12
Jun-84 0.01 0.03 0.04 0.06 0.12
Jul-84 0.01 0.03 0.04 0.06 0.12
Aug-84 0.01 0.03 0.04 0.06 0.12
Sep-84 0.01 0.03 0.04 0.06 0.12
Oct-84 0.01 0.03 0.04 0.06 0.12
Nov-84 0.01 0.03 0.04 0.06 0.12
Dec-84 0.01 0.03 0.04 0.06 0.12
Jan-85 0.01 0.03 0.04 0.06 0.12
Feb-85 0.01 0.03 0.04 0.06 0.12
Mar-85 0.01 0.03 0.04 0.06 0.12
Apr-85 0.01 0.03 0.04 0.06 0.12
May-85 0.01 0.03 0.04 0.06 0.12
Jun-85 0.01 0.03 0.04 0.06 0.12
Jul-85 0.01 0.03 0.04 0.06 0.12
Aug-85 0.01 0.03 0.04 0.06 0.12
Sep-85 0.01 0.03 0.04 0.06 0.12
Oct-85 0.01 0.03 0.04 0.06 0.12
Nov-85 0.01 0.03 0.04 0.06 0.12
Dec-85 0.01 0.03 0.04 0.06 0.12
Jan-86 0.01 0.03 0.04 0.06 0.12
Feb-86 0.01 0.03 0.04 0.06 0.12
Mar-86 0.01 0.03 0.04 0.06 0.12
MÊS %CM 3M 4M 6M 12M
Apr-86 0.01 0.03 0.04 0.06 0.12
May-86 0.01 0.03 0.04 0.06 0.12
Jun-86 0.01 0.03 0.04 0.06 0.12
Jul-86 0.01 0.03 0.04 0.06 0.12
Aug-86 0.01 0.03 0.04 0.06 0.12
Sep-86 0.01 0.03 0.04 0.06 0.12
Oct-86 0.01 0.03 0.04 0.06 0.12
Nov-86 0.01 0.03 0.04 0.06 0.12
Dec-86 0.01 0.03 0.04 0.06 0.12
Jan-87 0.01 0.03 0.04 0.06 0.12
Feb-87 0.01 0.03 0.04 0.06 0.12
Mar-87 0.01 0.03 0.04 0.06 0.12
Apr-87 0.01 0.03 0.04 0.06 0.12
May-87 0.01 0.03 0.04 0.06 0.12
Jun-87 0.01 0.03 0.04 0.06 0.12
Jul-87 0.01 0.03 0.04 0.06 0.12
Aug-87 0.01 0.03 0.04 0.06 0.12
Sep-87 0.01 0.03 0.04 0.06 0.12
Oct-87 0.01 0.03 0.04 0.06 0.12
Nov-87 0.01 0.03 0.04 0.06 0.12
Dec-87 0.01 0.03 0.04 0.06 0.12
Jan-88 0.01 0.03 0.04 0.06 0.12
Feb-88 0.01 0.03 0.04 0.06 0.12
Mar-88 0.01 0.03 0.04 0.06 0.12
Apr-88 0.01 0.03 0.04 0.06 0.12
May-88 0.01 0.03 0.04 0.06 0.12
Jun-88 0.01 0.03 0.04 0.06 0.12
Jul-88 0.01 0.03 0.04 0.06 0.12
Aug-88 0.01 0.03 0.04 0.06 0.12
Sep-88 0.01 0.03 0.04 0.06 0.12
Oct-88 0.01 0.03 0.04 0.06 0.12
Nov-88 0.01 0.03 0.04 0.06 0.12
Dec-88 0.01 0.03 0.04 0.06 0.12
Jan-89 0.01 0.03 0.04 0.06 0.12
Feb-89 0.01 0.03 0.04 0.06 0.12
Mar-89 0.01 0.03 0.04 0.06 0.12
Apr-89 0.01 0.03 0.04 0.06 0.12
May-89 0.01 0.03 0.04 0.06 0.12
Jun-89 0.01 0.03 0.04 0.06 0.12
Jul-89 0.01 0.03 0.04 0.06 0.12
Aug-89 0.01 0.03 0.04 0.06 0.12
Sep-89 0.01 0.03 0.04 0.06 0.12
Oct-89 0.01 0.03 0.04 0.06 0.12
Nov-89 0.01 0.03 0.04 0.06 0.12
Dec-89 0.01 0.03 0.04 0.06 0.12
MÊS %CM 3M 4M 6M 12M
Jan-90 0.01 0.03 0.04 0.06 0.12
Feb-90 0.01 0.03 0.04 0.06 0.12
Mar-90 0.01 0.03 0.04 0.06 0.12
Apr-90 0.01 0.03 0.04 0.06 0.12
May-90 0.01 0.03 0.04 0.06 0.12
Jun-90 0.01 0.03 0.04 0.06 0.12
Jul-90 0.01 0.03 0.04 0.06 0.12
Aug-90 0.01 0.03 0.04 0.06 0.12
Sep-90 0.01 0.03 0.04 0.06 0.12
Oct-90 0.01 0.03 0.04 0.06 0.12
Nov-90 0.01 0.03 0.04 0.06 0.12
Dec-90 0.01 0.03 0.04 0.06 0.12
Jan-91 0.01 0.03 0.04 0.06 0.12
Feb-91 0.01 0.03 0.04 0.06 0.12
Mar-91 0.01 0.03 0.04 0.06 0.12
Apr-91 0.01 0.03 0.04 0.06 0.12
May-91 0.01 0.03 0.04 0.06 0.12
Jun-91 0.01 0.03 0.04 0.06 0.12
Jul-91 0.01 0.03 0.04 0.06 0.12
Aug-91 0.01 0.03 0.04 0.06 0.12
Sep-91 0.01 0.03 0.04 0.06 0.12
Oct-91 0.01 0.03 0.04 0.06 0.12
Nov-91 0.01 0.03 0.04 0.06 0.12
Dec-91 0.01 0.03 0.04 0.06 0.12
Jan-92 0.01 0.03 0.04 0.06 0.12
Feb-92 0.01 0.03 0.04 0.06 0.12
Mar-92 0.01 0.03 0.04 0.06 0.12
Apr-92 0.01 0.03 0.04 0.06 0.12
May-92 0.01 0.03 0.04 0.06 0.12
Jun-92 0.01 0.03 0.04 0.06 0.12
Jul-92 0.01 0.03 0.04 0.06 0.12
Aug-92 0.01 0.03 0.04 0.06 0.12
Sep-92 0.01 0.03 0.04 0.06 0.12
Oct-92 0.01 0.03 0.04 0.06 0.12
Nov-92 0.01 0.03 0.04 0.06 0.12
Dec-92 0.01 0.03 0.04 0.06 0.12
Jan-93 0.01 0.03 0.04 0.06 0.12
Feb-93 0.01 0.03 0.04 0.06 0.12
Mar-93 0.01 0.03 0.04 0.06 0.12
Apr-93 0.01 0.03 0.04 0.06 0.12
May-93 0.01 0.03 0.04 0.06 0.12
Jun-93 0.01 0.03 0.04 0.06 0.12
Jul-93 0.01 0.03 0.04 0.06 0.12
Aug-93 0.01 0.03 0.04 0.06 0.12
Sep-93 0.01 0.03 0.04 0.06 0.12
MÊS %CM 3M 4M 6M 12M
Oct-93 0.01 0.03 0.04 0.06 0.12
Nov-93 0.01 0.03 0.04 0.06 0.12
Dec-93 0.01 0.03 0.04 0.06 0.12
Jan-94 0.01 0.03 0.04 0.06 0.12
Feb-94 0.01 0.03 0.04 0.06 0.12
Mar-94 0.01 0.03 0.04 0.06 0.12
Apr-94 0.01 0.03 0.04 0.06 0.12
May-94 0.01 0.03 0.04 0.06 0.12
Jun-94 0.01 0.03 0.04 0.06 0.12
Jul-94 0.01 0.03 0.04 0.06 0.12
Aug-94 0.01 0.03 0.04 0.06 0.12
Sep-94 0.01 0.03 0.04 0.06 0.12
Oct-94 0.01 0.03 0.04 0.06 0.12
Nov-94 0.01 0.03 0.04 0.06 0.12
Dec-94 0.01 0.03 0.04 0.06 0.12
Jan-95 0.01 0.03 0.04 0.06 0.12
Feb-95 0.01 0.03 0.04 0.06 0.12
Mar-95 0.01 0.03 0.04 0.06 0.12
Apr-95 0.01 0.03 0.04 0.06 0.12
May-95 0.01 0.03 0.04 0.06 0.12
Jun-95 0.01 0.03 0.04 0.06 0.12
Jul-95 0.01 0.03 0.04 0.06 0.12
Aug-95 0.01 0.03 0.04 0.06 0.12
Sep-95 0.01 0.03 0.04 0.06 0.12
Oct-95 0.01 0.03 0.04 0.06 0.12
Nov-95 0.01 0.03 0.04 0.06 0.12
Dec-95 0.01 0.03 0.04 0.06 0.12
Jan-96 0.01 0.03 0.04 0.06 0.12
Feb-96 0.01 0.03 0.04 0.06 0.12
Mar-96 0.01 0.03 0.04 0.06 0.12
Apr-96 0.01 0.03 0.04 0.06 0.12
May-96 0.01 0.03 0.04 0.06 0.12
Jun-96 0.01 0.03 0.04 0.06 0.12
Jul-96 0.01 0.03 0.04 0.06 0.12
Aug-96 0.01 0.03 0.04 0.06 0.12
Sep-96 0.01 0.03 0.04 0.06 0.12
Oct-96 0.01 0.03 0.04 0.06 0.12
Nov-96 0.01 0.03 0.04 0.06 0.12
Dec-96 0.01 0.03 0.04 0.06 0.12
Jan-97 0.01 0.03 0.04 0.06 0.12
Feb-97 0.01 0.03 0.04 0.06 0.12
Mar-97 0.01 0.03 0.04 0.06 0.12
Apr-97 0.01 0.03 0.04 0.06 0.12
May-97 0.01 0.03 0.04 0.06 0.12
Jun-97 0.01 0.03 0.04 0.06 0.12
MÊS %CM 3M 4M 6M 12M
Jul-97 0.01 0.03 0.04 0.06 0.12
Aug-97 0.01 0.03 0.04 0.06 0.12
Sep-97 0.01 0.03 0.04 0.06 0.12
Oct-97 0.01 0.03 0.04 0.06 0.12
Nov-97 0.01 0.03 0.04 0.06 0.12
Dec-97 0.01 0.03 0.04 0.06 0.12
Jan-98 0.01 0.03 0.04 0.06 0.12
Feb-98 0.01 0.03 0.04 0.06 0.12
Mar-98 0.01 0.03 0.04 0.06 0.12
Apr-98 0.01 0.03 0.04 0.06 0.12
May-98 0.01 0.03 0.04 0.06 0.12
Jun-98 0.01 0.03 0.04 0.06 0.12
Jul-98 0.01 0.03 0.04 0.06 0.12
Aug-98 0.01 0.03 0.04 0.06 0.12
Sep-98 0.01 0.03 0.04 0.06 0.12
Oct-98 0.01 0.03 0.04 0.06 0.12
Nov-98 0.01 0.03 0.04 0.06 0.12
Dec-98 0.01 0.03 0.04 0.06 0.12
Jan-99 0.01 0.03 0.04 0.06 0.12
Feb-99 0.01 0.03 0.04 0.06 0.12
Mar-99 0.01 0.03 0.04 0.06 0.12
Apr-99 0.01 0.03 0.04 0.06 0.12
May-99 0.01 0.03 0.04 0.06 0.12
Jun-99 0.01 0.03 0.04 0.06 0.12
Jul-99 0.01 0.03 0.04 0.06 0.12
Aug-99 0.01 0.03 0.04 0.06 0.12
Sep-99 0.01 0.03 0.04 0.06 0.12
Oct-99 0.01 0.03 0.04 0.06 0.12
Nov-99 0.01 0.03 0.04 0.06 0.12
Dec-99 0.01 0.03 0.04 0.06 0.12
Jan-00 0.01 0.03 0.04 0.06 0.12
Feb-00 0.01 0.03 0.04 0.06 0.12
Mar-00 0.01 0.03 0.04 0.06 0.12
Apr-00 0.01 0.03 0.04 0.06 0.12
May-00 0.01 0.03 0.04 0.06 0.12
Jun-00 0.01 0.03 0.04 0.06 0.12
Jul-00 0.01 0.03 0.04 0.06 0.12
Aug-00 0.01 0.03 0.04 0.06 0.12
Sep-00 0.01 0.03 0.04 0.06 0.12
Oct-00 0.01 0.03 0.04 0.06 0.12
Nov-00 0.01 0.03 0.04 0.06 0.12
Dec-00 0.01 0.03 0.04 0.06 0.12
Jan-01 0.01 0.03 0.04 0.06 0.12
Feb-01 0.01 0.03 0.04 0.06 0.12
Mar-01 0.01 0.03 0.04 0.06 0.12
MÊS %CM 3M 4M 6M 12M
Apr-01 0.01 0.03 0.04 0.06 0.12
May-01 0.01 0.03 0.04 0.06 0.12
Jun-01 0.01 0.03 0.04 0.06 0.12
Jul-01 0.01 0.03 0.04 0.06 0.12
Aug-01 0.01 0.03 0.04 0.06 0.12
Sep-01 0.01 0.03 0.04 0.06 0.12
Oct-01 0.01 0.03 0.04 0.06 0.12
Nov-01 0.01 0.03 0.04 0.06 0.12
Dec-01 0.01 0.03 0.04 0.06 0.12
Jan-02 0.01 0.03 0.04 0.06 0.12
Feb-02 0.01 0.03 0.04 0.06 0.12
Mar-02 0.01 0.03 0.04 0.06 0.12
Apr-02 0.01 0.03 0.04 0.06 0.12
May-02 0.01 0.03 0.04 0.06 0.12
Jun-02 0.01 0.03 0.04 0.06 0.12
Jul-02 0.01 0.03 0.04 0.06 0.12
Aug-02 0.01 0.03 0.04 0.06 0.12
Sep-02 0.01 0.03 0.04 0.06 0.12
Oct-02 0.01 0.03 0.04 0.06 0.12
Nov-02 0.01 0.03 0.04 0.06 0.12
Dec-02 0.01 0.03 0.04 0.06 0.12
Jan-03 0.01 0.03 0.04 0.06 0.12
Feb-03 0.01 0.03 0.04 0.06 0.12
Mar-03 0.01 0.03 0.04 0.06 0.12
Apr-03 0.01 0.03 0.04 0.06 0.12
May-03 0.01 0.03 0.04 0.06 0.12
Jun-03 0.01 0.03 0.04 0.06 0.12
Jul-03 0.01 0.03 0.04 0.06 0.12
Aug-03 0.01 0.03 0.04 0.06 0.12
Sep-03 0.01 0.03 0.04 0.06 0.12
Oct-03 0.01 0.03 0.04 0.06 0.12
Nov-03 0.01 0.03 0.04 0.06 0.12
Dec-03 0.01 0.03 0.04 0.06 0.12
Jan-04 0.01 0.03 0.04 0.06 0.12
Feb-04 0.01 0.03 0.04 0.06 0.12
Mar-04 0.01 0.03 0.04 0.06 0.12
Apr-04 0.01 0.03 0.04 0.06 0.12
May-04
Jun-04
Jul-04
Aug-04
Sep-04
Oct-04
Nov-04
Dec-04
MÊS %CM 3M 4M 6M 12M
Jan-05
Feb-05
Mar-05
Apr-05
May-05
Jun-05
Jul-05
Aug-05
Sep-05
Oct-05
Nov-05
Dec-05
Jan-06
Feb-06
Mar-06
Apr-06
May-06
Jun-06
Jul-06
Aug-06
Sep-06
Oct-06
Nov-06
Dec-06
Jan-07
Feb-07
Mar-07
Apr-07
May-07
Jun-07
Jul-07
Aug-07
Sep-07
Oct-07
Nov-07
Dec-07
Jan-08
Feb-08
Mar-08
Apr-08
May-08
Jun-08
Jul-08
Aug-08
Sep-08
MÊS %CM 3M 4M 6M 12M
Oct-08
Nov-08
Dec-08
Jan-09
Feb-09
Mar-09
Apr-09
May-09
Jun-09
Jul-09
Aug-09
Sep-09
Oct-09
Nov-09
Dec-09
Jan-10
Feb-10
Mar-10
Apr-10
May-10
Jun-10
Jul-10
Aug-10
Sep-10
Oct-10
Nov-10
Dec-10
Jan-11
Feb-11
Mar-11
Apr-11
May-11
Jun-11
Jul-11
Aug-11
Sep-11
Oct-11
Nov-11
Dec-11
Jan-12
Feb-12
Mar-12
Apr-12
May-12
Jun-12
MÊS %CM 3M 4M 6M 12M
Jul-12
Aug-12
Sep-12
Oct-12
Nov-12
Dec-12
Jan-13
Feb-13
Mar-13
Apr-13
May-13
Jun-13
Jul-13
Aug-13
Sep-13
Oct-13
Nov-13
Dec-13
Jan-14
Feb-14
Mar-14
Apr-14
May-14
Jun-14
Jul-14
Aug-14
Sep-14
Oct-14
Nov-14
Dec-14
Jan-15
Feb-15
Mar-15
Apr-15
May-15
Jun-15
Jul-15
Aug-15
Sep-15
Oct-15
Nov-15
Dec-15
NESTA VERSÃO DEMONSTRATIVA AS VARIAÇÕES MENSAIS ESTÃO FIXADAS EM 0,01%
Fonte : FGV
MÊS %CM 3M 4M 6M 12M
Jul-83 0.01 VARIAÇÃO ACUMULADA (%)
Aug-83 0.01
Sep-83 0.01
Oct-83 0.01 AS VARIAÇÕES ACUMULADAS ABAIXO
Nov-83 0.01 REFEREM-SE AOS ÚLTIMOS 3, 4, 6 E
Dec-83 0.01 12 MESES.
Jan-84 0.01
Feb-84 0.01
Mar-84 0.01
Apr-84 0.01 3 4 6 12
May-84 0.01 MESES MESES MESES MESES
Jun-84 0.01 0.03 0.04 0.06 0.12
Jul-84 0.01 0.03 0.04 0.06 0.12
Aug-84 0.01 0.03 0.04 0.06 0.12
Sep-84 0.01 0.03 0.04 0.06 0.12
Oct-84 0.01 0.03 0.04 0.06 0.12
Nov-84 0.01 0.03 0.04 0.06 0.12
Dec-84 0.01 0.03 0.04 0.06 0.12
Jan-85 0.01 0.03 0.04 0.06 0.12
Feb-85 0.01 0.03 0.04 0.06 0.12
Mar-85 0.01 0.03 0.04 0.06 0.12
Apr-85 0.01 0.03 0.04 0.06 0.12
May-85 0.01 0.03 0.04 0.06 0.12
Jun-85 0.01 0.03 0.04 0.06 0.12
Jul-85 0.01 0.03 0.04 0.06 0.12
Aug-85 0.01 0.03 0.04 0.06 0.12
Sep-85 0.01 0.03 0.04 0.06 0.12
Oct-85 0.01 0.03 0.04 0.06 0.12
Nov-85 0.01 0.03 0.04 0.06 0.12
Dec-85 0.01 0.03 0.04 0.06 0.12
Jan-86 0.01 0.03 0.04 0.06 0.12
Feb-86 0.01 0.03 0.04 0.06 0.12
Mar-86 0.01 0.03 0.04 0.06 0.12
Apr-86 0.01 0.03 0.04 0.06 0.12
May-86 0.01 0.03 0.04 0.06 0.12
Jun-86 0.01 0.03 0.04 0.06 0.12
Jul-86 0.01 0.03 0.04 0.06 0.12
Aug-86 0.01 0.03 0.04 0.06 0.12
Sep-86 0.01 0.03 0.04 0.06 0.12
Var.% do IGP - DI ( ÍNDICE GERAL DE PREÇOS AO CONSUMIDOR EM DISPONIBILIDADE
INTERNA - FGV ) desde JUL - 83
MÊS %CM 3M 4M 6M 12M
Oct-86 0.01 0.03 0.04 0.06 0.12
Nov-86 0.01 0.03 0.04 0.06 0.12
Dec-86 0.01 0.03 0.04 0.06 0.12
Jan-87 0.01 0.03 0.04 0.06 0.12
Feb-87 0.01 0.03 0.04 0.06 0.12
Mar-87 0.01 0.03 0.04 0.06 0.12
Apr-87 0.01 0.03 0.04 0.06 0.12
May-87 0.01 0.03 0.04 0.06 0.12
Jun-87 0.01 0.03 0.04 0.06 0.12
Jul-87 0.01 0.03 0.04 0.06 0.12
Aug-87 0.01 0.03 0.04 0.06 0.12
Sep-87 0.01 0.03 0.04 0.06 0.12
Oct-87 0.01 0.03 0.04 0.06 0.12
Nov-87 0.01 0.03 0.04 0.06 0.12
Dec-87 0.01 0.03 0.04 0.06 0.12
Jan-88 0.01 0.03 0.04 0.06 0.12
Feb-88 0.01 0.03 0.04 0.06 0.12
Mar-88 0.01 0.03 0.04 0.06 0.12
Apr-88 0.01 0.03 0.04 0.06 0.12
May-88 0.01 0.03 0.04 0.06 0.12
Jun-88 0.01 0.03 0.04 0.06 0.12
Jul-88 0.01 0.03 0.04 0.06 0.12
Aug-88 0.01 0.03 0.04 0.06 0.12
Sep-88 0.01 0.03 0.04 0.06 0.12
Oct-88 0.01 0.03 0.04 0.06 0.12
Nov-88 0.01 0.03 0.04 0.06 0.12
Dec-88 0.01 0.03 0.04 0.06 0.12
Jan-89 0.01 0.03 0.04 0.06 0.12
Feb-89 0.01 0.03 0.04 0.06 0.12
Mar-89 0.01 0.03 0.04 0.06 0.12
Apr-89 0.01 0.03 0.04 0.06 0.12
May-89 0.01 0.03 0.04 0.06 0.12
Jun-89 0.01 0.03 0.04 0.06 0.12
Jul-89 0.01 0.03 0.04 0.06 0.12
Aug-89 0.01 0.03 0.04 0.06 0.12
Sep-89 0.01 0.03 0.04 0.06 0.12
Oct-89 0.01 0.03 0.04 0.06 0.12
Nov-89 0.01 0.03 0.04 0.06 0.12
Dec-89 0.01 0.03 0.04 0.06 0.12
Jan-90 0.01 0.03 0.04 0.06 0.12
Feb-90 0.01 0.03 0.04 0.06 0.12
Mar-90 0.01 0.03 0.04 0.06 0.12
Apr-90 0.01 0.03 0.04 0.06 0.12
May-90 0.01 0.03 0.04 0.06 0.12
Jun-90 0.01 0.03 0.04 0.06 0.12
MÊS %CM 3M 4M 6M 12M
Jul-90 0.01 0.03 0.04 0.06 0.12
Aug-90 0.01 0.03 0.04 0.06 0.12
Sep-90 0.01 0.03 0.04 0.06 0.12
Oct-90 0.01 0.03 0.04 0.06 0.12
Nov-90 0.01 0.03 0.04 0.06 0.12
Dec-90 0.01 0.03 0.04 0.06 0.12
Jan-91 0.01 0.03 0.04 0.06 0.12
Feb-91 0.01 0.03 0.04 0.06 0.12
Mar-91 0.01 0.03 0.04 0.06 0.12
Apr-91 0.01 0.03 0.04 0.06 0.12
May-91 0.01 0.03 0.04 0.06 0.12
Jun-91 0.01 0.03 0.04 0.06 0.12
Jul-91 0.01 0.03 0.04 0.06 0.12
Aug-91 0.01 0.03 0.04 0.06 0.12
Sep-91 0.01 0.03 0.04 0.06 0.12
Oct-91 0.01 0.03 0.04 0.06 0.12
Nov-91 0.01 0.03 0.04 0.06 0.12
Dec-91 0.01 0.03 0.04 0.06 0.12
Jan-92 0.01 0.03 0.04 0.06 0.12
Feb-92 0.01 0.03 0.04 0.06 0.12
Mar-92 0.01 0.03 0.04 0.06 0.12
Apr-92 0.01 0.03 0.04 0.06 0.12
May-92 0.01 0.03 0.04 0.06 0.12
Jun-92 0.01 0.03 0.04 0.06 0.12
Jul-92 0.01 0.03 0.04 0.06 0.12
Aug-92 0.01 0.03 0.04 0.06 0.12
Sep-92 0.01 0.03 0.04 0.06 0.12
Oct-92 0.01 0.03 0.04 0.06 0.12
Nov-92 0.01 0.03 0.04 0.06 0.12
Dec-92 0.01 0.03 0.04 0.06 0.12
Jan-93 0.01 0.03 0.04 0.06 0.12
Feb-93 0.01 0.03 0.04 0.06 0.12
Mar-93 0.01 0.03 0.04 0.06 0.12
Apr-93 0.01 0.03 0.04 0.06 0.12
May-93 0.01 0.03 0.04 0.06 0.12
Jun-93 0.01 0.03 0.04 0.06 0.12
Jul-93 0.01 0.03 0.04 0.06 0.12
Aug-93 0.01 0.03 0.04 0.06 0.12
Sep-93 0.01 0.03 0.04 0.06 0.12
Oct-93 0.01 0.03 0.04 0.06 0.12
Nov-93 0.01 0.03 0.04 0.06 0.12
Dec-93 0.01 0.03 0.04 0.06 0.12
Jan-94 0.01 0.03 0.04 0.06 0.12
Feb-94 0.01 0.03 0.04 0.06 0.12
Mar-94 0.01 0.03 0.04 0.06 0.12
MÊS %CM 3M 4M 6M 12M
Apr-94 0.01 0.03 0.04 0.06 0.12
May-94 0.01 0.03 0.04 0.06 0.12
Jun-94 0.01 0.03 0.04 0.06 0.12
Jul-94 0.01 0.03 0.04 0.06 0.12
Aug-94 0.01 0.03 0.04 0.06 0.12
Sep-94 0.01 0.03 0.04 0.06 0.12
Oct-94 0.01 0.03 0.04 0.06 0.12
Nov-94 0.01 0.03 0.04 0.06 0.12
Dec-94 0.01 0.03 0.04 0.06 0.12
Jan-95 0.01 0.03 0.04 0.06 0.12
Feb-95 0.01 0.03 0.04 0.06 0.12
Mar-95 0.01 0.03 0.04 0.06 0.12
Apr-95 0.01 0.03 0.04 0.06 0.12
May-95 0.01 0.03 0.04 0.06 0.12
Jun-95 0.01 0.03 0.04 0.06 0.12
Jul-95 0.01 0.03 0.04 0.06 0.12
Aug-95 0.01 0.03 0.04 0.06 0.12
Sep-95 0.01 0.03 0.04 0.06 0.12
Oct-95 0.01 0.03 0.04 0.06 0.12
Nov-95 0.01 0.03 0.04 0.06 0.12
Dec-95 0.01 0.03 0.04 0.06 0.12
Jan-96 0.01 0.03 0.04 0.06 0.12
Feb-96 0.01 0.03 0.04 0.06 0.12
Mar-96 0.01 0.03 0.04 0.06 0.12
Apr-96 0.01 0.03 0.04 0.06 0.12
May-96 0.01 0.03 0.04 0.06 0.12
Jun-96 0.01 0.03 0.04 0.06 0.12
Jul-96 0.01 0.03 0.04 0.06 0.12
Aug-96 0.01 0.03 0.04 0.06 0.12
Sep-96 0.01 0.03 0.04 0.06 0.12
Oct-96 0.01 0.03 0.04 0.06 0.12
Nov-96 0.01 0.03 0.04 0.06 0.12
Dec-96 0.01 0.03 0.04 0.06 0.12
Jan-97 0.01 0.03 0.04 0.06 0.12
Feb-97 0.01 0.03 0.04 0.06 0.12
Mar-97 0.01 0.03 0.04 0.06 0.12
Apr-97 0.01 0.03 0.04 0.06 0.12
May-97 0.01 0.03 0.04 0.06 0.12
Jun-97 0.01 0.03 0.04 0.06 0.12
Jul-97 0.01 0.03 0.04 0.06 0.12
Aug-97 0.01 0.03 0.04 0.06 0.12
Sep-97 0.01 0.03 0.04 0.06 0.12
Oct-97 0.01 0.03 0.04 0.06 0.12
Nov-97 0.01 0.03 0.04 0.06 0.12
Dec-97 0.01 0.03 0.04 0.06 0.12
MÊS %CM 3M 4M 6M 12M
Jan-98 0.01 0.03 0.04 0.06 0.12
Feb-98 0.01 0.03 0.04 0.06 0.12
Mar-98 0.01 0.03 0.04 0.06 0.12
Apr-98 0.01 0.03 0.04 0.06 0.12
May-98 0.01 0.03 0.04 0.06 0.12
Jun-98 0.01 0.03 0.04 0.06 0.12
Jul-98 0.01 0.03 0.04 0.06 0.12
Aug-98 0.01 0.03 0.04 0.06 0.12
Sep-98 0.01 0.03 0.04 0.06 0.12
Oct-98 0.01 0.03 0.04 0.06 0.12
Nov-98 0.01 0.03 0.04 0.06 0.12
Dec-98 0.01 0.03 0.04 0.06 0.12
Jan-99 0.01 0.03 0.04 0.06 0.12
Feb-99 0.01 0.03 0.04 0.06 0.12
Mar-99 0.01 0.03 0.04 0.06 0.12
Apr-99 0.01 0.03 0.04 0.06 0.12
May-99 0.01 0.03 0.04 0.06 0.12
Jun-99 0.01 0.03 0.04 0.06 0.12
Jul-99 0.01 0.03 0.04 0.06 0.12
Aug-99 0.01 0.03 0.04 0.06 0.12
Sep-99 0.01 0.03 0.04 0.06 0.12
Oct-99 0.01 0.03 0.04 0.06 0.12
Nov-99 0.01 0.03 0.04 0.06 0.12
Dec-99 0.01 0.03 0.04 0.06 0.12
Jan-00 0.01 0.03 0.04 0.06 0.12
Feb-00 0.01 0.03 0.04 0.06 0.12
Mar-00 0.01 0.03 0.04 0.06 0.12
Apr-00 0.01 0.03 0.04 0.06 0.12
May-00 0.01 0.03 0.04 0.06 0.12
Jun-00 0.01 0.03 0.04 0.06 0.12
Jul-00 0.01 0.03 0.04 0.06 0.12
Aug-00 0.01 0.03 0.04 0.06 0.12
Sep-00 0.01 0.03 0.04 0.06 0.12
Oct-00 0.01 0.03 0.04 0.06 0.12
Nov-00 0.01 0.03 0.04 0.06 0.12
Dec-00 0.01 0.03 0.04 0.06 0.12
Jan-01 0.01 0.03 0.04 0.06 0.12
Feb-01 0.01 0.03 0.04 0.06 0.12
Mar-01 0.01 0.03 0.04 0.06 0.12
Apr-01 0.01 0.03 0.04 0.06 0.12
May-01 0.01 0.03 0.04 0.06 0.12
Jun-01 0.01 0.03 0.04 0.06 0.12
Jul-01 0.01 0.03 0.04 0.06 0.12
Aug-01 0.01 0.03 0.04 0.06 0.12
Sep-01 0.01 0.03 0.04 0.06 0.12
MÊS %CM 3M 4M 6M 12M
Oct-01 0.01 0.03 0.04 0.06 0.12
Nov-01 0.01 0.03 0.04 0.06 0.12
Dec-01 0.01 0.03 0.04 0.06 0.12
Jan-02 0.01 0.03 0.04 0.06 0.12
Feb-02 0.01 0.03 0.04 0.06 0.12
Mar-02 0.01 0.03 0.04 0.06 0.12
Apr-02 0.01 0.03 0.04 0.06 0.12
May-02 0.01 0.03 0.04 0.06 0.12
Jun-02 0.01 0.03 0.04 0.06 0.12
Jul-02 0.01 0.03 0.04 0.06 0.12
Aug-02 0.01 0.03 0.04 0.06 0.12
Sep-02 0.01 0.03 0.04 0.06 0.12
Oct-02 0.01 0.03 0.04 0.06 0.12
Nov-02 0.01 0.03 0.04 0.06 0.12
Dec-02 0.01 0.03 0.04 0.06 0.12
Jan-03 0.01 0.03 0.04 0.06 0.12
Feb-03 0.01 0.03 0.04 0.06 0.12
Mar-03 0.01 0.03 0.04 0.06 0.12
Apr-03 0.01 0.03 0.04 0.06 0.12
May-03 0.01 0.03 0.04 0.06 0.12
Jun-03 0.01 0.03 0.04 0.06 0.12
Jul-03 0.01 0.03 0.04 0.06 0.12
Aug-03 0.01 0.03 0.04 0.06 0.12
Sep-03 0.01 0.03 0.04 0.06 0.12
Oct-03 0.01 0.03 0.04 0.06 0.12
Nov-03 0.01 0.03 0.04 0.06 0.12
Dec-03 0.01 0.03 0.04 0.06 0.12
Jan-04 0.01 0.03 0.04 0.06 0.12
Feb-04 0.01 0.03 0.04 0.06 0.12
Mar-04 0.01 0.03 0.04 0.06 0.12
Apr-04 0.01 0.03 0.04 0.06 0.12
May-04
Jun-04
Jul-04
Aug-04
Sep-04
Oct-04
Nov-04
Dec-04
Jan-05
Feb-05
Mar-05
Apr-05
May-05
Jun-05
MÊS %CM 3M 4M 6M 12M
Jul-05
Aug-05
Sep-05
Oct-05
Nov-05
Dec-05
Jan-06
Feb-06
Mar-06
Apr-06
May-06
Jun-06
Jul-06
Aug-06
Sep-06
Oct-06
Nov-06
Dec-06
Jan-07
Feb-07
Mar-07
Apr-07
May-07
Jun-07
Jul-07
Aug-07
Sep-07
Oct-07
Nov-07
Dec-07
Jan-08
Feb-08
Mar-08
Apr-08
May-08
Jun-08
Jul-08
Aug-08
Sep-08
Oct-08
Nov-08
Dec-08
Jan-09
Feb-09
Mar-09
MÊS %CM 3M 4M 6M 12M
Apr-09
May-09
Jun-09
Jul-09
Aug-09
Sep-09
Oct-09
Nov-09
Dec-09
Jan-10
Feb-10
Mar-10
Apr-10
May-10
Jun-10
Jul-10
Aug-10
Sep-10
Oct-10
Nov-10
Dec-10
Jan-11
Feb-11
Mar-11
Apr-11
May-11
Jun-11
Jul-11
Aug-11
Sep-11
Oct-11
Nov-11
Dec-11
Jan-12
Feb-12
Mar-12
Apr-12
May-12
Jun-12
Jul-12
Aug-12
Sep-12
Oct-12
Nov-12
Dec-12
MÊS %CM 3M 4M 6M 12M
Jan-13
Feb-13
Mar-13
Apr-13
May-13
Jun-13
Jul-13
Aug-13
Sep-13
Oct-13
Nov-13
Dec-13
Jan-14
Feb-14
Mar-14
Apr-14
May-14
Jun-14
Jul-14
Aug-14
Sep-14
Oct-14
Nov-14
Dec-14
Jan-15
Feb-15
Mar-15
Apr-15
May-15
Jun-15
Jul-15
Aug-15
Sep-15
Oct-15
Nov-15
Dec-15
NESTA VERSÃO DEMONSTRATIVA AS VARIAÇÕES MENSAIS ESTÃO FIXADAS EM 0,01%
Fonte : FGV
MÊS %CM 3M 4M 6M 12M
Jun-89 0.01 VARIAÇÃO ACUMULADA (%)
Jul-89 0.01
Aug-89 0.01
Sep-89 0.01 AS VARIAÇÕES ACUMULADAS ABAIXO
Oct-89 0.01 REFEREM-SE AOS ÚLTIMOS 3, 4, 6 E
Nov-89 0.01 12 MESES.
Dec-89 0.01
Jan-90 0.01
Feb-90 0.01
Mar-90 0.01 3 4 6 12
Apr-90 0.01 MESES MESES MESES MESES
May-90 0.01 0.03 0.04 0.06 0.12
Jun-90 0.01 0.03 0.04 0.06 0.12
Jul-90 0.01 0.03 0.04 0.06 0.12
Aug-90 0.01 0.03 0.04 0.06 0.12
Sep-90 0.01 0.03 0.04 0.06 0.12
Oct-90 0.01 0.03 0.04 0.06 0.12
Nov-90 0.01 0.03 0.04 0.06 0.12
Dec-90 0.01 0.03 0.04 0.06 0.12
Jan-91 0.01 0.03 0.04 0.06 0.12
Feb-91 0.01 0.03 0.04 0.06 0.12
Mar-91 0.01 0.03 0.04 0.06 0.12
Apr-91 0.01 0.03 0.04 0.06 0.12
May-91 0.01 0.03 0.04 0.06 0.12
Jun-91 0.01 0.03 0.04 0.06 0.12
Jul-91 0.01 0.03 0.04 0.06 0.12
Aug-91 0.01 0.03 0.04 0.06 0.12
Sep-91 0.01 0.03 0.04 0.06 0.12
Oct-91 0.01 0.03 0.04 0.06 0.12
Nov-91 0.01 0.03 0.04 0.06 0.12
Dec-91 0.01 0.03 0.04 0.06 0.12
Jan-92 0.01 0.03 0.04 0.06 0.12
Feb-92 0.01 0.03 0.04 0.06 0.12
Mar-92 0.01 0.03 0.04 0.06 0.12
Apr-92 0.01 0.03 0.04 0.06 0.12
May-92 0.01 0.03 0.04 0.06 0.12
Jun-92 0.01 0.03 0.04 0.06 0.12
Jul-92 0.01 0.03 0.04 0.06 0.12
Aug-92 0.01 0.03 0.04 0.06 0.12
Var.% do IGP - M ( ÍNDICE GERAL DE PREÇOS NO MERCADO - FGV ) desde JUN - 89
MÊS %CM 3M 4M 6M 12M
Sep-92 0.01 0.03 0.04 0.06 0.12
Oct-92 0.01 0.03 0.04 0.06 0.12
Nov-92 0.01 0.03 0.04 0.06 0.12
Dec-92 0.01 0.03 0.04 0.06 0.12
Jan-93 0.01 0.03 0.04 0.06 0.12
Feb-93 0.01 0.03 0.04 0.06 0.12
Mar-93 0.01 0.03 0.04 0.06 0.12
Apr-93 0.01 0.03 0.04 0.06 0.12
May-93 0.01 0.03 0.04 0.06 0.12
Jun-93 0.01 0.03 0.04 0.06 0.12
Jul-93 0.01 0.03 0.04 0.06 0.12
Aug-93 0.01 0.03 0.04 0.06 0.12
Sep-93 0.01 0.03 0.04 0.06 0.12
Oct-93 0.01 0.03 0.04 0.06 0.12
Nov-93 0.01 0.03 0.04 0.06 0.12
Dec-93 0.01 0.03 0.04 0.06 0.12
Jan-94 0.01 0.03 0.04 0.06 0.12
Feb-94 0.01 0.03 0.04 0.06 0.12
Mar-94 0.01 0.03 0.04 0.06 0.12
Apr-94 0.01 0.03 0.04 0.06 0.12
May-94 0.01 0.03 0.04 0.06 0.12
Jun-94 0.01 0.03 0.04 0.06 0.12
Jul-94 0.01 0.03 0.04 0.06 0.12
Aug-94 0.01 0.03 0.04 0.06 0.12
Sep-94 0.01 0.03 0.04 0.06 0.12
Oct-94 0.01 0.03 0.04 0.06 0.12
Nov-94 0.01 0.03 0.04 0.06 0.12
Dec-94 0.01 0.03 0.04 0.06 0.12
Jan-95 0.01 0.03 0.04 0.06 0.12
Feb-95 0.01 0.03 0.04 0.06 0.12
Mar-95 0.01 0.03 0.04 0.06 0.12
Apr-95 0.01 0.03 0.04 0.06 0.12
May-95 0.01 0.03 0.04 0.06 0.12
Jun-95 0.01 0.03 0.04 0.06 0.12
Jul-95 0.01 0.03 0.04 0.06 0.12
Aug-95 0.01 0.03 0.04 0.06 0.12
Sep-95 0.01 0.03 0.04 0.06 0.12
Oct-95 0.01 0.03 0.04 0.06 0.12
Nov-95 0.01 0.03 0.04 0.06 0.12
Dec-95 0.01 0.03 0.04 0.06 0.12
Jan-96 0.01 0.03 0.04 0.06 0.12
Feb-96 0.01 0.03 0.04 0.06 0.12
Mar-96 0.01 0.03 0.04 0.06 0.12
Apr-96 0.01 0.03 0.04 0.06 0.12
May-96 0.01 0.03 0.04 0.06 0.12
MÊS %CM 3M 4M 6M 12M
Jun-96 0.01 0.03 0.04 0.06 0.12
Jul-96 0.01 0.03 0.04 0.06 0.12
Aug-96 0.01 0.03 0.04 0.06 0.12
Sep-96 0.01 0.03 0.04 0.06 0.12
Oct-96 0.01 0.03 0.04 0.06 0.12
Nov-96 0.01 0.03 0.04 0.06 0.12
Dec-96 0.01 0.03 0.04 0.06 0.12
Jan-97 0.01 0.03 0.04 0.06 0.12
Feb-97 0.01 0.03 0.04 0.06 0.12
Mar-97 0.01 0.03 0.04 0.06 0.12
Apr-97 0.01 0.03 0.04 0.06 0.12
May-97 0.01 0.03 0.04 0.06 0.12
Jun-97 0.01 0.03 0.04 0.06 0.12
Jul-97 0.01 0.03 0.04 0.06 0.12
Aug-97 0.01 0.03 0.04 0.06 0.12
Sep-97 0.01 0.03 0.04 0.06 0.12
Oct-97 0.01 0.03 0.04 0.06 0.12
Nov-97 0.01 0.03 0.04 0.06 0.12
Dec-97 0.01 0.03 0.04 0.06 0.12
Jan-98 0.01 0.03 0.04 0.06 0.12
Feb-98 0.01 0.03 0.04 0.06 0.12
Mar-98 0.01 0.03 0.04 0.06 0.12
Apr-98 0.01 0.03 0.04 0.06 0.12
May-98 0.01 0.03 0.04 0.06 0.12
Jun-98 0.01 0.03 0.04 0.06 0.12
Jul-98 0.01 0.03 0.04 0.06 0.12
Aug-98 0.01 0.03 0.04 0.06 0.12
Sep-98 0.01 0.03 0.04 0.06 0.12
Oct-98 0.01 0.03 0.04 0.06 0.12
Nov-98 0.01 0.03 0.04 0.06 0.12
Dec-98 0.01 0.03 0.04 0.06 0.12
Jan-99 0.01 0.03 0.04 0.06 0.12
Feb-99 0.01 0.03 0.04 0.06 0.12
Mar-99 0.01 0.03 0.04 0.06 0.12
Apr-99 0.01 0.03 0.04 0.06 0.12
May-99 0.01 0.03 0.04 0.06 0.12
Jun-99 0.01 0.03 0.04 0.06 0.12
Jul-99 0.01 0.03 0.04 0.06 0.12
Aug-99 0.01 0.03 0.04 0.06 0.12
Sep-99 0.01 0.03 0.04 0.06 0.12
Oct-99 0.01 0.03 0.04 0.06 0.12
Nov-99 0.01 0.03 0.04 0.06 0.12
Dec-99 0.01 0.03 0.04 0.06 0.12
Jan-00 0.01 0.03 0.04 0.06 0.12
Feb-00 0.01 0.03 0.04 0.06 0.12
MÊS %CM 3M 4M 6M 12M
Mar-00 0.01 0.03 0.04 0.06 0.12
Apr-00 0.01 0.03 0.04 0.06 0.12
May-00 0.01 0.03 0.04 0.06 0.12
Jun-00 0.01 0.03 0.04 0.06 0.12
Jul-00 0.01 0.03 0.04 0.06 0.12
Aug-00 0.01 0.03 0.04 0.06 0.12
Sep-00 0.01 0.03 0.04 0.06 0.12
Oct-00 0.01 0.03 0.04 0.06 0.12
Nov-00 0.01 0.03 0.04 0.06 0.12
Dec-00 0.01 0.03 0.04 0.06 0.12
Jan-01 0.01 0.03 0.04 0.06 0.12
Feb-01 0.01 0.03 0.04 0.06 0.12
Mar-01 0.01 0.03 0.04 0.06 0.12
Apr-01 0.01 0.03 0.04 0.06 0.12
May-01 0.01 0.03 0.04 0.06 0.12
Jun-01 0.01 0.03 0.04 0.06 0.12
Jul-01 0.01 0.03 0.04 0.06 0.12
Aug-01 0.01 0.03 0.04 0.06 0.12
Sep-01 0.01 0.03 0.04 0.06 0.12
Oct-01 0.01 0.03 0.04 0.06 0.12
Nov-01 0.01 0.03 0.04 0.06 0.12
Dec-01 0.01 0.03 0.04 0.06 0.12
Jan-02 0.01 0.03 0.04 0.06 0.12
Feb-02 0.01 0.03 0.04 0.06 0.12
Mar-02 0.01 0.03 0.04 0.06 0.12
Apr-02 0.01 0.03 0.04 0.06 0.12
May-02 0.01 0.03 0.04 0.06 0.12
Jun-02 0.01 0.03 0.04 0.06 0.12
Jul-02 0.01 0.03 0.04 0.06 0.12
Aug-02 0.01 0.03 0.04 0.06 0.12
Sep-02 0.01 0.03 0.04 0.06 0.12
Oct-02 0.01 0.03 0.04 0.06 0.12
Nov-02 0.01 0.03 0.04 0.06 0.12
Dec-02 0.01 0.03 0.04 0.06 0.12
Jan-03 0.01 0.03 0.04 0.06 0.12
Feb-03 0.01 0.03 0.04 0.06 0.12
Mar-03 0.01 0.03 0.04 0.06 0.12
Apr-03 0.01 0.03 0.04 0.06 0.12
May-03 0.01 0.03 0.04 0.06 0.12
Jun-03 0.01 0.03 0.04 0.06 0.12
Jul-03 0.01 0.03 0.04 0.06 0.12
Aug-03 0.01 0.03 0.04 0.06 0.12
Sep-03 0.01 0.03 0.04 0.06 0.12
Oct-03 0.01 0.03 0.04 0.06 0.12
Nov-03 0.01 0.03 0.04 0.06 0.12
MÊS %CM 3M 4M 6M 12M
Dec-03 0.01 0.03 0.04 0.06 0.12
Jan-04 0.01 0.03 0.04 0.06 0.12
Feb-04 0.01 0.03 0.04 0.06 0.12
Mar-04 0.01 0.03 0.04 0.06 0.12
Apr-04 0.01 0.03 0.04 0.06 0.12
May-04
Jun-04
Jul-04
Aug-04
Sep-04
Oct-04
Nov-04
Dec-04
Jan-05
Feb-05
Mar-05
Apr-05
May-05
Jun-05
Jul-05
Aug-05
Sep-05
Oct-05
Nov-05
Dec-05
Jan-06
Feb-06
Mar-06
Apr-06
May-06
Jun-06
Jul-06
Aug-06
Sep-06
Oct-06
Nov-06
Dec-06
Jan-07
Feb-07
Mar-07
Apr-07
May-07
Jun-07
Jul-07
Aug-07
MÊS %CM 3M 4M 6M 12M
Sep-07
Oct-07
Nov-07
Dec-07
Jan-08
Feb-08
Mar-08
Apr-08
May-08
Jun-08
Jul-08
Aug-08
Sep-08
Oct-08
Nov-08
Dec-08
Jan-09
Feb-09
Mar-09
Apr-09
May-09
Jun-09
Jul-09
Aug-09
Sep-09
Oct-09
Nov-09
Dec-09
Jan-10
Feb-10
Mar-10
Apr-10
May-10
Jun-10
Jul-10
Aug-10
Sep-10
Oct-10
Nov-10
Dec-10
Jan-11
Feb-11
Mar-11
Apr-11
May-11
MÊS %CM 3M 4M 6M 12M
Jun-11
Jul-11
Aug-11
Sep-11
Oct-11
Nov-11
Dec-11
Jan-12
Feb-12
Mar-12
Apr-12
May-12
Jun-12
Jul-12
Aug-12
Sep-12
Oct-12
Nov-12
Dec-12
Jan-13
Feb-13
Mar-13
Apr-13
May-13
Jun-13
Jul-13
Aug-13
Sep-13
Oct-13
Nov-13
Dec-13
Jan-14
Feb-14
Mar-14
Apr-14
May-14
Jun-14
Jul-14
Aug-14
Sep-14
Oct-14
Nov-14
Dec-14
Jan-15
Feb-15
MÊS %CM 3M 4M 6M 12M
Mar-15
Apr-15
May-15
Jun-15
Jul-15
Aug-15
Sep-15
Oct-15
Nov-15
Dec-15
NESTA VERSÃO DEMONSTRATIVA AS VARIAÇÕES MENSAIS ESTÃO FIXADAS EM 0,01%
Fonte : FGV
MÊS %CM 3M 4M 6M 12M
Jan-84 0.01 VARIAÇÃO ACUMULADA (%)
Feb-84 0.01
Mar-84 0.01
Apr-84 0.01 AS VARIAÇÕES ACUMULADAS ABAIXO
May-84 0.01 REFEREM-SE AOS ÚLTIMOS 3, 4, 6 E
Jun-84 0.01 12 MESES.
Jul-84 0.01
Aug-84 0.01
Sep-84 0.01
Oct-84 0.01 3 4 6 12
Nov-84 0.01 MESES MESES MESES MESES
Dec-84 0.01 0.03 0.04 0.06 0.12
Jan-85 0.01 0.03 0.04 0.06 0.12
Feb-85 0.01 0.03 0.04 0.06 0.12
Mar-85 0.01 0.03 0.04 0.06 0.12
Apr-85 0.01 0.03 0.04 0.06 0.12
May-85 0.01 0.03 0.04 0.06 0.12
Jun-85 0.01 0.03 0.04 0.06 0.12
Jul-85 0.01 0.03 0.04 0.06 0.12
Aug-85 0.01 0.03 0.04 0.06 0.12
Sep-85 0.01 0.03 0.04 0.06 0.12
Oct-85 0.01 0.03 0.04 0.06 0.12
Nov-85 0.01 0.03 0.04 0.06 0.12
Dec-85 0.01 0.03 0.04 0.06 0.12
Jan-86 0.01 0.03 0.04 0.06 0.12
Feb-86 0.01 0.03 0.04 0.06 0.12
Mar-86 0.01 0.03 0.04 0.06 0.12
Apr-86 0.01 0.03 0.04 0.06 0.12
May-86 0.01 0.03 0.04 0.06 0.12
Jun-86 0.01 0.03 0.04 0.06 0.12
Jul-86 0.01 0.03 0.04 0.06 0.12
Aug-86 0.01 0.03 0.04 0.06 0.12
Sep-86 0.01 0.03 0.04 0.06 0.12
Oct-86 0.01 0.03 0.04 0.06 0.12
Nov-86 0.01 0.03 0.04 0.06 0.12
Dec-86 0.01 0.03 0.04 0.06 0.12
Jan-87 0.01 0.03 0.04 0.06 0.12
Feb-87 0.01 0.03 0.04 0.06 0.12
Mar-87 0.01 0.03 0.04 0.06 0.12
Var.% do INCC - DI ( ÍNDICE NACIONAL DO CUSTO DA CONSTRUÇÃO EM DISPONIBILIDADE
INTERNA - FGV ) desde JAN - 84
MÊS %CM 3M 4M 6M 12M
Apr-87 0.01 0.03 0.04 0.06 0.12
May-87 0.01 0.03 0.04 0.06 0.12
Jun-87 0.01 0.03 0.04 0.06 0.12
Jul-87 0.01 0.03 0.04 0.06 0.12
Aug-87 0.01 0.03 0.04 0.06 0.12
Sep-87 0.01 0.03 0.04 0.06 0.12
Oct-87 0.01 0.03 0.04 0.06 0.12
Nov-87 0.01 0.03 0.04 0.06 0.12
Dec-87 0.01 0.03 0.04 0.06 0.12
Jan-88 0.01 0.03 0.04 0.06 0.12
Feb-88 0.01 0.03 0.04 0.06 0.12
Mar-88 0.01 0.03 0.04 0.06 0.12
Apr-88 0.01 0.03 0.04 0.06 0.12
May-88 0.01 0.03 0.04 0.06 0.12
Jun-88 0.01 0.03 0.04 0.06 0.12
Jul-88 0.01 0.03 0.04 0.06 0.12
Aug-88 0.01 0.03 0.04 0.06 0.12
Sep-88 0.01 0.03 0.04 0.06 0.12
Oct-88 0.01 0.03 0.04 0.06 0.12
Nov-88 0.01 0.03 0.04 0.06 0.12
Dec-88 0.01 0.03 0.04 0.06 0.12
Jan-89 0.01 0.03 0.04 0.06 0.12
Feb-89 0.01 0.03 0.04 0.06 0.12
Mar-89 0.01 0.03 0.04 0.06 0.12
Apr-89 0.01 0.03 0.04 0.06 0.12
May-89 0.01 0.03 0.04 0.06 0.12
Jun-89 0.01 0.03 0.04 0.06 0.12
Jul-89 0.01 0.03 0.04 0.06 0.12
Aug-89 0.01 0.03 0.04 0.06 0.12
Sep-89 0.01 0.03 0.04 0.06 0.12
Oct-89 0.01 0.03 0.04 0.06 0.12
Nov-89 0.01 0.03 0.04 0.06 0.12
Dec-89 0.01 0.03 0.04 0.06 0.12
Jan-90 0.01 0.03 0.04 0.06 0.12
Feb-90 0.01 0.03 0.04 0.06 0.12
Mar-90 0.01 0.03 0.04 0.06 0.12
Apr-90 0.01 0.03 0.04 0.06 0.12
May-90 0.01 0.03 0.04 0.06 0.12
Jun-90 0.01 0.03 0.04 0.06 0.12
Jul-90 0.01 0.03 0.04 0.06 0.12
Aug-90 0.01 0.03 0.04 0.06 0.12
Sep-90 0.01 0.03 0.04 0.06 0.12
Oct-90 0.01 0.03 0.04 0.06 0.12
Nov-90 0.01 0.03 0.04 0.06 0.12
Dec-90 0.01 0.03 0.04 0.06 0.12
MÊS %CM 3M 4M 6M 12M
Jan-91 0.01 0.03 0.04 0.06 0.12
Feb-91 0.01 0.03 0.04 0.06 0.12
Mar-91 0.01 0.03 0.04 0.06 0.12
Apr-91 0.01 0.03 0.04 0.06 0.12
May-91 0.01 0.03 0.04 0.06 0.12
Jun-91 0.01 0.03 0.04 0.06 0.12
Jul-91 0.01 0.03 0.04 0.06 0.12
Aug-91 0.01 0.03 0.04 0.06 0.12
Sep-91 0.01 0.03 0.04 0.06 0.12
Oct-91 0.01 0.03 0.04 0.06 0.12
Nov-91 0.01 0.03 0.04 0.06 0.12
Dec-91 0.01 0.03 0.04 0.06 0.12
Jan-92 0.01 0.03 0.04 0.06 0.12
Feb-92 0.01 0.03 0.04 0.06 0.12
Mar-92 0.01 0.03 0.04 0.06 0.12
Apr-92 0.01 0.03 0.04 0.06 0.12
May-92 0.01 0.03 0.04 0.06 0.12
Jun-92 0.01 0.03 0.04 0.06 0.12
Jul-92 0.01 0.03 0.04 0.06 0.12
Aug-92 0.01 0.03 0.04 0.06 0.12
Sep-92 0.01 0.03 0.04 0.06 0.12
Oct-92 0.01 0.03 0.04 0.06 0.12
Nov-92 0.01 0.03 0.04 0.06 0.12
Dec-92 0.01 0.03 0.04 0.06 0.12
Jan-93 0.01 0.03 0.04 0.06 0.12
Feb-93 0.01 0.03 0.04 0.06 0.12
Mar-93 0.01 0.03 0.04 0.06 0.12
Apr-93 0.01 0.03 0.04 0.06 0.12
May-93 0.01 0.03 0.04 0.06 0.12
Jun-93 0.01 0.03 0.04 0.06 0.12
Jul-93 0.01 0.03 0.04 0.06 0.12
Aug-93 0.01 0.03 0.04 0.06 0.12
Sep-93 0.01 0.03 0.04 0.06 0.12
Oct-93 0.01 0.03 0.04 0.06 0.12
Nov-93 0.01 0.03 0.04 0.06 0.12
Dec-93 0.01 0.03 0.04 0.06 0.12
Jan-94 0.01 0.03 0.04 0.06 0.12
Feb-94 0.01 0.03 0.04 0.06 0.12
Mar-94 0.01 0.03 0.04 0.06 0.12
Apr-94 0.01 0.03 0.04 0.06 0.12
May-94 0.01 0.03 0.04 0.06 0.12
Jun-94 0.01 0.03 0.04 0.06 0.12
Jul-94 0.01 0.03 0.04 0.06 0.12
Aug-94 0.01 0.03 0.04 0.06 0.12
Sep-94 0.01 0.03 0.04 0.06 0.12
MÊS %CM 3M 4M 6M 12M
Oct-94 0.01 0.03 0.04 0.06 0.12
Nov-94 0.01 0.03 0.04 0.06 0.12
Dec-94 0.01 0.03 0.04 0.06 0.12
Jan-95 0.01 0.03 0.04 0.06 0.12
Feb-95 0.01 0.03 0.04 0.06 0.12
Mar-95 0.01 0.03 0.04 0.06 0.12
Apr-95 0.01 0.03 0.04 0.06 0.12
May-95 0.01 0.03 0.04 0.06 0.12
Jun-95 0.01 0.03 0.04 0.06 0.12
Jul-95 0.01 0.03 0.04 0.06 0.12
Aug-95 0.01 0.03 0.04 0.06 0.12
Sep-95 0.01 0.03 0.04 0.06 0.12
Oct-95 0.01 0.03 0.04 0.06 0.12
Nov-95 0.01 0.03 0.04 0.06 0.12
Dec-95 0.01 0.03 0.04 0.06 0.12
Jan-96 0.01 0.03 0.04 0.06 0.12
Feb-96 0.01 0.03 0.04 0.06 0.12
Mar-96 0.01 0.03 0.04 0.06 0.12
Apr-96 0.01 0.03 0.04 0.06 0.12
May-96 0.01 0.03 0.04 0.06 0.12
Jun-96 0.01 0.03 0.04 0.06 0.12
Jul-96 0.01 0.03 0.04 0.06 0.12
Aug-96 0.01 0.03 0.04 0.06 0.12
Sep-96 0.01 0.03 0.04 0.06 0.12
Oct-96 0.01 0.03 0.04 0.06 0.12
Nov-96 0.01 0.03 0.04 0.06 0.12
Dec-96 0.01 0.03 0.04 0.06 0.12
Jan-97 0.01 0.03 0.04 0.06 0.12
Feb-97 0.01 0.03 0.04 0.06 0.12
Mar-97 0.01 0.03 0.04 0.06 0.12
Apr-97 0.01 0.03 0.04 0.06 0.12
May-97 0.01 0.03 0.04 0.06 0.12
Jun-97 0.01 0.03 0.04 0.06 0.12
Jul-97 0.01 0.03 0.04 0.06 0.12
Aug-97 0.01 0.03 0.04 0.06 0.12
Sep-97 0.01 0.03 0.04 0.06 0.12
Oct-97 0.01 0.03 0.04 0.06 0.12
Nov-97 0.01 0.03 0.04 0.06 0.12
Dec-97 0.01 0.03 0.04 0.06 0.12
Jan-98 0.01 0.03 0.04 0.06 0.12
Feb-98 0.01 0.03 0.04 0.06 0.12
Mar-98 0.01 0.03 0.04 0.06 0.12
Apr-98 0.01 0.03 0.04 0.06 0.12
May-98 0.01 0.03 0.04 0.06 0.12
Jun-98 0.01 0.03 0.04 0.06 0.12
MÊS %CM 3M 4M 6M 12M
Jul-98 0.01 0.03 0.04 0.06 0.12
Aug-98 0.01 0.03 0.04 0.06 0.12
Sep-98 0.01 0.03 0.04 0.06 0.12
Oct-98 0.01 0.03 0.04 0.06 0.12
Nov-98 0.01 0.03 0.04 0.06 0.12
Dec-98 0.01 0.03 0.04 0.06 0.12
Jan-99 0.01 0.03 0.04 0.06 0.12
Feb-99 0.01 0.03 0.04 0.06 0.12
Mar-99 0.01 0.03 0.04 0.06 0.12
Apr-99 0.01 0.03 0.04 0.06 0.12
May-99 0.01 0.03 0.04 0.06 0.12
Jun-99 0.01 0.03 0.04 0.06 0.12
Jul-99 0.01 0.03 0.04 0.06 0.12
Aug-99 0.01 0.03 0.04 0.06 0.12
Sep-99 0.01 0.03 0.04 0.06 0.12
Oct-99 0.01 0.03 0.04 0.06 0.12
Nov-99 0.01 0.03 0.04 0.06 0.12
Dec-99 0.01 0.03 0.04 0.06 0.12
Jan-00 0.01 0.03 0.04 0.06 0.12
Feb-00 0.01 0.03 0.04 0.06 0.12
Mar-00 0.01 0.03 0.04 0.06 0.12
Apr-00 0.01 0.03 0.04 0.06 0.12
May-00 0.01 0.03 0.04 0.06 0.12
Jun-00 0.01 0.03 0.04 0.06 0.12
Jul-00 0.01 0.03 0.04 0.06 0.12
Aug-00 0.01 0.03 0.04 0.06 0.12
Sep-00 0.01 0.03 0.04 0.06 0.12
Oct-00 0.01 0.03 0.04 0.06 0.12
Nov-00 0.01 0.03 0.04 0.06 0.12
Dec-00 0.01 0.03 0.04 0.06 0.12
Jan-01 0.01 0.03 0.04 0.06 0.12
Feb-01 0.01 0.03 0.04 0.06 0.12
Mar-01 0.01 0.03 0.04 0.06 0.12
Apr-01 0.01 0.03 0.04 0.06 0.12
May-01 0.01 0.03 0.04 0.06 0.12
Jun-01 0.01 0.03 0.04 0.06 0.12
Jul-01 0.01 0.03 0.04 0.06 0.12
Aug-01 0.01 0.03 0.04 0.06 0.12
Sep-01 0.01 0.03 0.04 0.06 0.12
Oct-01 0.01 0.03 0.04 0.06 0.12
Nov-01 0.01 0.03 0.04 0.06 0.12
Dec-01 0.01 0.03 0.04 0.06 0.12
Jan-02 0.01 0.03 0.04 0.06 0.12
Feb-02 0.01 0.03 0.04 0.06 0.12
Mar-02 0.01 0.03 0.04 0.06 0.12
MÊS %CM 3M 4M 6M 12M
Apr-02 0.01 0.03 0.04 0.06 0.12
May-02 0.01 0.03 0.04 0.06 0.12
Jun-02 0.01 0.03 0.04 0.06 0.12
Jul-02 0.01 0.03 0.04 0.06 0.12
Aug-02 0.01 0.03 0.04 0.06 0.12
Sep-02 0.01 0.03 0.04 0.06 0.12
Oct-02 0.01 0.03 0.04 0.06 0.12
Nov-02 0.01 0.03 0.04 0.06 0.12
Dec-02 0.01 0.03 0.04 0.06 0.12
Jan-03 0.01 0.03 0.04 0.06 0.12
Feb-03 0.01 0.03 0.04 0.06 0.12
Mar-03 0.01 0.03 0.04 0.06 0.12
Apr-03 0.01 0.03 0.04 0.06 0.12
May-03 0.01 0.03 0.04 0.06 0.12
Jun-03 0.01 0.03 0.04 0.06 0.12
Jul-03 0.01 0.03 0.04 0.06 0.12
Aug-03 0.01 0.03 0.04 0.06 0.12
Sep-03 0.01 0.03 0.04 0.06 0.12
Oct-03 0.01 0.03 0.04 0.06 0.12
Nov-03 0.01 0.03 0.04 0.06 0.12
Dec-03 0.01 0.03 0.04 0.06 0.12
Jan-04 0.01 0.03 0.04 0.06 0.12
Feb-04 0.01 0.03 0.04 0.06 0.12
Mar-04 0.01 0.03 0.04 0.06 0.12
Apr-04 0.01 0.03 0.04 0.06 0.12
May-04
Jun-04
Jul-04
Aug-04
Sep-04
Oct-04
Nov-04
Dec-04
Jan-05
Feb-05
Mar-05
Apr-05
May-05
Jun-05
Jul-05
Aug-05
Sep-05
Oct-05
Nov-05
Dec-05
MÊS %CM 3M 4M 6M 12M
Jan-06
Feb-06
Mar-06
Apr-06
May-06
Jun-06
Jul-06
Aug-06
Sep-06
Oct-06
Nov-06
Dec-06
Jan-07
Feb-07
Mar-07
Apr-07
May-07
Jun-07
Jul-07
Aug-07
Sep-07
Oct-07
Nov-07
Dec-07
Jan-08
Feb-08
Mar-08
Apr-08
May-08
Jun-08
Jul-08
Aug-08
Sep-08
Oct-08
Nov-08
Dec-08
Jan-09
Feb-09
Mar-09
Apr-09
May-09
Jun-09
Jul-09
Aug-09
Sep-09
MÊS %CM 3M 4M 6M 12M
Oct-09
Nov-09
Dec-09
Jan-10
Feb-10
Mar-10
Apr-10
May-10
Jun-10
Jul-10
Aug-10
Sep-10
Oct-10
Nov-10
Dec-10
Jan-11
Feb-11
Mar-11
Apr-11
May-11
Jun-11
Jul-11
Aug-11
Sep-11
Oct-11
Nov-11
Dec-11
Jan-12
Feb-12
Mar-12
Apr-12
May-12
Jun-12
Jul-12
Aug-12
Sep-12
Oct-12
Nov-12
Dec-12
Jan-13
Feb-13
Mar-13
Apr-13
May-13
Jun-13
MÊS %CM 3M 4M 6M 12M
Jul-13
Aug-13
Sep-13
Oct-13
Nov-13
Dec-13
Jan-14
Feb-14
Mar-14
Apr-14
May-14
Jun-14
Jul-14
Aug-14
Sep-14
Oct-14
Nov-14
Dec-14
Jan-15
Feb-15
Mar-15
Apr-15
May-15
Jun-15
Jul-15
Aug-15
Sep-15
Oct-15
Nov-15
Dec-15
Inflação na mudança de moeda em JUL - 94 ( Plano Real )
QUANDO OCORRIDA A MUDANÇA DE MOEDA DE CRUZEIRO REAL PARA REAL EM
JULHO DE 1994, ALGUMAS INSTITUIÇÕES DIVULGARAM DUAS VARIAÇÕES
DIFERENTES DE INFLAÇÃO PARA SEUS INDICADORES.
ISTO ACONTECEU POR CAUSA DA LEI FEDERAL 8.880/94 QUE DETERMINOU
DADE REAL DE VALOR (QUE TINHA COTAÇÃO DIÁRIA) PARA OS PREÇOS
UTILIZADOS COMO REFERÊNCIA NA DATA IMEDIATAMENTE ANTERIOR (DO
MÊS ANTERIOR) À DATA DE COLETA DO MÊS EM OBSERVAÇÃO.
PORTANTO, EM RELAÇÃO AS DUAS VARIAÇÕES DIVULGADAS, A MENOR É
CONSEQÜÊNCIA DA UTILIZAÇÃO DO CRITÉRIO DA LEI 8.880/94, POR
OUTRO LADO, A MAIOR É CONSEQÜENTE DO MÉTODO CONVENCIONAL
UTILIZADO SEMPRE QUANDO HÁ TROCA DE MOEDAS, OU SEJA, CALCULADA
COM BASE NO DIVISOR FIXO (NO CASO 2.750) PARA TODOS OS PREÇOS.
DESTA FORMA EXISTIRAM DUAS VARIAÇÕES PERCENTUAIS QUE IDENTIFI-
CAREMOS COMO RESULTANTES DOS SEGUINTES CÁLCULOS:
O MAIS INDICADO (JUDICIALMENTE) É UTILIZAR AS VARIAÇÕES CONFORME:
NESTA PLANILHA TODAS AS VARIAÇÕES ESTÃO DE ACORDO COM O CRITÉ-
RIO ACIMA.
PORÉM, SE DESEJAR, PODE-SE TROCAR AS VARIAÇÕES NAS SEÇÕES, BAS-
TANDO DIGITAR A MESMA NA LINHA REFERENTE A JUL/94 (E AGO/94 IN-
CLUSIVE PARA O IGP-M DA FGV).
COMO DITO ACIMA, O IGP-M POSSUIU TAMBÉM DUAS VARIAÇÕES EM AGO/94
PELO FATO DA COLETA SER DISTRIBUÍDA SEMPRE EM 1/3 DO MÊS ANTE-
RIOR (JUL/94) E 2/3 DO MÊS DE APURAÇÃO (AGO/94). COMO O CÁLCULO
É EFETUADO A PARTIR DO PREÇO DE COLETA E O OBSERVADO NO MÊS
ANTERIOR (DATA IMEDIATAMENTE ANTERIOR), EXISTIRÁ A SEQUINTE
SITUAÇÃO:
_ ÚLTIMA TERÇA PARTE DO MÊS DE JUNHO E DE JULHO DE 94
1/3 DE JUNHO 1/3 DE JULHO
VARIAÇÃO DOS PREÇOS
_ DOIS TERÇOS INICIAIS DE JULHO E DE AGOSTO DE 94
2/3 DE JULHO 2/3 DE AGOSTO
QUE A APURAÇÃO FOSSE REALIZADA COM BASE NOS VALORES EM URV - UNI-
1. CÁLCULO CONVENCIONAL (DESPREZANDO AS COTAÇÕES DA URV).
2. CÁLCULO CONSIDERANDO AS COTAÇÕES DA URV (LEI 8.880/94).
2. CÁLCULO CONSIDERANDO AS COTAÇÕES DA URV (LEI 8.880/94).
VARIAÇÃO DOS PREÇOS
POR CAUSA DISSO, NOTE QUE 1/3 DA VARIAÇÃO AINDA CONSIDERA AS
COTAÇÕES DA URV (QUANDO UTILIZADO O CRITÉRIO DA LEI). DESTA
FORMA, AINDA EXISTIRÁ RAZÃO (EM AGO/94) PARA A UTILIZAÇÃO DO MÉ-
TODO DA LEI 8.880/94 (SOMENTE PARA O IGP-M).
O IGP-M É DIVULGADO NO FINAL DO MÊS DE APURAÇÃO. ESTA É UMA DAS
RAZÕES QUE EXIGEM QUE A COLETA DE PREÇOS TERMINE EM TEMPO SUFICI-
ENTE PARA REALIZAÇÃO DAS OUTRAS FASES PARA CONCLUSÃO DO TRABALHO
E POSTERIOR DIVULGAÇÃO DA VARIAÇÃO DO ÍNDICE.
ABAIXO ENCONTRAM-SE AS VARIAÇÕES PERCENTUAIS RELATIVAS AOS CRITÉ-
RIOS EXPOSTOS ACIMA EM RELAÇÃO UNICAMENTE AOS INDICADORES CONTI-
-
-
-
OBSERVE A SEGUIR O MOMENTO ONDE É GERADA A DIFERENÇA EM UM CÁLCULO QUAL-
QUER DE CORREÇÃO MONETÁRIA QUANDO AS VARIAÇÕES SÃO ALTERADAS PARA MAIOR
LEI 8.880/94 MÉTODO CONVENCIONAL
VAR.% ACUM.% VAR.% ACUM.%
IGP-M May-94 42.58 42.58 42.58 42.58
FGV Jun-94 45.21 107.04 45.21 107.04 ACRÉSCIMO %
Jul-94 4.33 116.01 40.00 189.86
Aug-94 3.94 124.52 7.56 211.77 38.86
Sep-94 1.75 128.44 1.75 217.23
VAR.% ACUM.% VAR.% ACUM.%
IGP-DI May-94 40.95 40.95 40.95 40.95
FGV Jun-94 46.58 106.60 46.58 106.60 ACRÉSCIMO %
Jul-94 5.47 117.91 24.71 157.66 18.24
DOS NESTA PLANILHA.
IGP-M - FGV - JUL/94: 4,33% AO INVÉS DE 40,00%.
IGP-M - FGV - AGO/94: 3,94% AO INVÉS DE 7,56%.
IGP-DI - FGV - JUL/94: 5,47% AO INVÉS DE 24,71%.
INCC-DI - FGV - JUL/94: 3,58% AO INVÉS DE 10,26%.
(VARIAÇÕES DE ACORDO COM O MÉTODO CONVENCIONAL DAS INSTITUIÇÕES).
(NOTE AO LADO DIREITO O CAMPO ACRÉSCIMO %)
Aug-94 3.34 125.18 3.34 166.26
Sep-94 1.55 128.67 1.55 170.39
VAR.% ACUM.% VAR.% ACUM.%
INCC-DI May-94 45.60 45.60 45.60 45.60
FGV Jun-94 44.74 110.74 44.74 110.74 ACRÉSCIMO %
Jul-94 3.58 118.29 10.26 132.36 6.45
Aug-94 0.14 118.59 0.14 132.69
Sep-94 0.38 119.42 0.38 133.57
OS CAMPOS EM COR VERDE NÃO PERMITEM A ENTRADA DE DADOS NESTA VERSÃO DEMONSTRATIVA
Cálculo das Prestações Líquidas Constantes de acordo com o Sistema Price
baseado no regime de Juros Compostos ( refinanciamentos ou financiamentos )
ESTA SEÇÃO DE CÁLCULO PODE SER UTILIZADA TANTO PARA FINANCIAMENTOS QUANTO
PARA REFINANCIAMENTOS PORQUE OS VALORES SÃO SEMPRE CALCULADOS SOBRE O
SALDO DEVEDOR.
1.000000% Taxa de Juros por 30 dias
216,805.73
60 Quantidade de Prestações
> 4,822.72
> 289,363.20
> 72,557.47
O OBJETIVO DO QUADRO ABAIXO É DE APENAS MOSTRAR QUE O VALOR DAS
PRESTAÇÕES DETERMINADO ACIMA ESTÁ CORRETO.
PRESTAÇÃO SALDO
JUROS LÍQUIDA AMORTIZAÇÃO DEVEDOR
1 2,168.06 4,822.72 2,654.66 214,151.07
2 2,141.51 4,822.72 2,681.21 211,469.86
3 2,114.70 4,822.72 2,708.02 208,761.84
4 2,087.62 4,822.72 2,735.10 206,026.74
5 2,060.27 4,822.72 2,762.45 203,264.29
6 2,032.64 4,822.72 2,790.08 200,474.21
7 2,004.74 4,822.72 2,817.98 197,656.23
8 1,976.56 4,822.72 2,846.16 194,810.07
9 1,948.10 4,822.72 2,874.62 191,935.45
10 1,919.35 4,822.72 2,903.37 189,032.08
11 1,890.32 4,822.72 2,932.40 186,099.68
12 1,861.00 4,822.72 2,961.72 183,137.96
13 1,831.38 4,822.72 2,991.34 180,146.62
14 1,801.47 4,822.72 3,021.25 177,125.37
15 1,771.25 4,822.72 3,051.47 174,073.90
16 1,740.74 4,822.72 3,081.98 170,991.92
17 1,709.92 4,822.72 3,112.80 167,879.12
18 1,678.79 4,822.72 3,143.93 164,735.19
19 1,647.35 4,822.72 3,175.37 161,559.82
20 1,615.60 4,822.72 3,207.12 158,352.70
21 1,583.53 4,822.72 3,239.19 155,113.51
22 1,551.14 4,822.72 3,271.58 151,841.93
23 1,518.42 4,822.72 3,304.30 148,537.63
valor Financiado
Valor das Prestações Líquidas :
Soma das Prestações Líquidas :
Total em Juros :
PRESTAÇÃO SALDO
JUROS LÍQUIDA AMORTIZAÇÃO DEVEDOR
24 1,485.38 4,822.72 3,337.34 145,200.29
25 1,452.00 4,822.72 3,370.72 141,829.57
26 1,418.30 4,822.72 3,404.42 138,425.15
27 1,384.25 4,822.72 3,438.47 134,986.68
28 1,349.87 4,822.72 3,472.85 131,513.83
29 1,315.14 4,822.72 3,507.58 128,006.25
30 1,280.06 4,822.72 3,542.66 124,463.59
31 1,244.64 4,822.72 3,578.08 120,885.51
32 1,208.86 4,822.72 3,613.86 117,271.65
33 1,172.72 4,822.72 3,650.00 113,621.65
34 1,136.22 4,822.72 3,686.50 109,935.15
35 1,099.35 4,822.72 3,723.37 106,211.78
36 1,062.12 4,822.72 3,760.60 102,451.18
37 1,024.51 4,822.72 3,798.21 98,652.97
38 986.53 4,822.72 3,836.19 94,816.78
39 948.17 4,822.72 3,874.55 90,942.23
40 909.42 4,822.72 3,913.30 87,028.93
41 870.29 4,822.72 3,952.43 83,076.50
42 830.77 4,822.72 3,991.95 79,084.55
43 790.85 4,822.72 4,031.87 75,052.68
44 750.53 4,822.72 4,072.19 70,980.49
45 709.80 4,822.72 4,112.92 66,867.57
46 668.68 4,822.72 4,154.04 62,713.53
47 627.14 4,822.72 4,195.58 58,517.95
48 585.18 4,822.72 4,237.54 54,280.41
49 542.80 4,822.72 4,279.92 50,000.49
50 500.00 4,822.72 4,322.72 45,677.77
51 456.78 4,822.72 4,365.94 41,311.83
52 413.12 4,822.72 4,409.60 36,902.23
53 369.02 4,822.72 4,453.70 32,448.53
54 324.49 4,822.72 4,498.23 27,950.30
55 279.50 4,822.72 4,543.22 23,407.08
56 234.07 4,822.72 4,588.65 18,818.43
57 188.18 4,822.72 4,634.54 14,183.89
58 141.84 4,822.72 4,680.88 9,503.01
59 95.03 4,822.72 4,727.69 4,775.32
60 47.75 4,822.72 4,774.97 0.35
61
62
63
64
65
66
67
PRESTAÇÃO SALDO
JUROS LÍQUIDA AMORTIZAÇÃO DEVEDOR
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
PRESTAÇÃO SALDO
JUROS LÍQUIDA AMORTIZAÇÃO DEVEDOR
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
PRESTAÇÃO SALDO
JUROS LÍQUIDA AMORTIZAÇÃO DEVEDOR
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180
181
182
183
184
185
186
187
188
189
190
191
192
193
194
195
196
197
198
199
PRESTAÇÃO SALDO
JUROS LÍQUIDA AMORTIZAÇÃO DEVEDOR
200
201
202
203
204
205
206
207
208
209
210
211
212
213
214
215
216
217
218
219
220
221
222
223
224
225
226
227
228
229
230
231
232
233
234
235
236
237
238
239
240
241
242
243
PRESTAÇÃO SALDO
JUROS LÍQUIDA AMORTIZAÇÃO DEVEDOR
244
245
246
247
248
249
250
251
252
253
254
255
256
257
258
259
260
261
262
263
264
265
266
267
268
269
270
271
272
273
274
275
276
277
278
279
280
281
282
283
284
285
286
287
PRESTAÇÃO SALDO
JUROS LÍQUIDA AMORTIZAÇÃO DEVEDOR
288
289
290
291
292
293
294
295
296
297
298
299
300
301
302
303
304
305
306
307
308
309
310
311
312
313
314
315
316
317
318
319
320
321
322
323
324
325
326
327
328
329
330
331
PRESTAÇÃO SALDO
JUROS LÍQUIDA AMORTIZAÇÃO DEVEDOR
332
333
334
335
336
337
338
339
340
341
342
343
344
345
346
347
348
349
350
351
352
353
354
355
356
357
358
359
360
OS CAMPOS EM COR VERDE NÃO PERMITEM A ENTRADA DE DADOS NESTA VERSÃO DEMONSTRATIVA
Cálculo das Prestações Líquidas Constantes de acordo com a 2ª. Interpretação do
ESTA SEÇÃO DE CÁLCULO PODE SER UTILIZADA TANTO PARA FINANCIAMENTOS QUANTO
PARA REFINANCIAMENTOS PORQUE OS VALORES SÃO SEMPRE CALCULADOS SOBRE O
SALDO DEVEDOR.
2ª. INTERPRETAÇÃO :
COLOCA-SE OS JUROS DO MÊS NO SALDO.
NÃO É POSSÍVEL DETERMINAR O VALOR DAS PRESTAÇÕES QUE QUITAM O REFINANCIAMEN-
ISTO OCORRE PORQUE EXISTE DEFASAGEM NO MÉTODO DE APLICAÇÃO DE CORREÇÃO
MONETÁRIA ENTRE O SALDO DEVEDOR E A PRESTAÇÃO LÍQUIDA.
CASO NÃO HOUVESSE CORREÇÃO MONETÁRIA, SERIA POSSÍVEL A DETERMINAÇÃO ( TANTO
EXISTIRÁ SEMPRE A POSSIBILIDADE DE DETERMINAÇÃO DO VALOR DAS PRESTAÇÕES QUE
ISTO OCORRE PORQUE NÃO EXISTE DEFASAGEM NO MÉTODO DE APLICAÇÃO DE CORREÇÃO
MONETÁRIA ENTRE O SALDO DEVEDOR E A PRESTAÇÃO LÍQUIDA.
1.000000% Taxa de Juros por 30 dias
209,596.78
60 Quantidade de Prestações
> 4,616.20
> 276,972.00
> 67,375.22
>
0.963574%
PORQUE OS CÁLCULOS SÃO REALIZADOS E CONTROLADOS PELAS INSTITUIÇÕES
FINANCEIRAS ( PRESTAÇÕES, SALDO DEVEDOR, SEGUROS, TAXA DE SERVIÇO, ETC. ).
O IMPORTANTE É QUE O REFINANCIAMENTO SEJA EFETUADO A PARTIR DA TAXA
VALOR FINANCIADO DO REFINANCIAMENTO : 209,596.78
OS PAGAMENTOS DEVEM SER EFETUADOS NOS VALORES EXATOS PARA MANTER
A EQUIVALÊNCIA ENTRE OS MÉTODOS.
OS REFINANCIAMENTOS PODEM SER REALIZADOS POR SISTEMAS DIFERENTES DE
art. 6º. alínea "c" da Lei 4.380/64 ( refinanciamentos ou financiamentos )
DEPOIS DE CORRIGIR O SALDO DEVEDOR, RETIRA-SE O VALOR DA PRESTAÇÃO CORRIGIDA E DEPOIS
TO ( DEPOIS DO ÚLTIMO PAGAMENTO ) PARA AS OUTRAS INTERPRETAÇÕES DA LEI ( 1ª. E 3 ª. ).
PARA A 1ª., QUANTO PARA A 3 ª. INTERPRETAÇÃO ).
QUITAM O REFINANCIAMENTO ( DEPOIS DO ÚLTIMO PAGAMENTO ) PELA 2ª. INTERPRETAÇÃO.
valor Financiado
Valor das Prestações Líquidas :
Soma das Prestações Líquidas :
Total em Juros :
Taxa de Juros por 30 dias que geraria o mesmo
valor das prestações pelo Sistema Price :
ATENÇÃO : OS REFINANCIAMENTOS SÃO REALIZADOS EM JUROS COMPOSTOS
DETERMINADA ACIMA.
AMORTIZAÇÃO, UTILIZE A PLANILHA DE CÁLCULOS ORIGINAIS PCFH_ORIGINAL .
O OBJETIVO DO QUADRO ABAIXO É DE APENAS MOSTRAR QUE O VALOR DAS
PRESTAÇÕES DETERMINADO ACIMA ESTÁ CORRETO.
CRITÉRIO DA SALDO PRESTAÇÃO JUROS SOBRE SALDO
2ª. INTERPRET. ANTERIOR LÍQUIDA NOVO SALDO O NOVO SALDO DEVEDOR FINAL
1 209,596.78 4,616.20 204,980.58 2,049.81 207,030.39
2 207,030.39 4,616.20 202,414.19 2,024.14 204,438.33
3 204,438.33 4,616.20 199,822.13 1,998.22 201,820.35
4 201,820.35 4,616.20 197,204.15 1,972.04 199,176.19
5 199,176.19 4,616.20 194,559.99 1,945.60 196,505.59
6 196,505.59 4,616.20 191,889.39 1,918.89 193,808.28
7 193,808.28 4,616.20 189,192.08 1,891.92 191,084.00
8 191,084.00 4,616.20 186,467.80 1,864.68 188,332.48
9 188,332.48 4,616.20 183,716.28 1,837.16 185,553.44
10 185,553.44 4,616.20 180,937.24 1,809.37 182,746.61
11 182,746.61 4,616.20 178,130.41 1,781.30 179,911.71
12 179,911.71 4,616.20 175,295.51 1,752.96 177,048.47
13 177,048.47 4,616.20 172,432.27 1,724.32 174,156.59
14 174,156.59 4,616.20 169,540.39 1,695.40 171,235.79
15 171,235.79 4,616.20 166,619.59 1,666.20 168,285.79
16 168,285.79 4,616.20 163,669.59 1,636.70 165,306.29
17 165,306.29 4,616.20 160,690.09 1,606.90 162,296.99
18 162,296.99 4,616.20 157,680.79 1,576.81 159,257.60
19 159,257.60 4,616.20 154,641.40 1,546.41 156,187.81
20 156,187.81 4,616.20 151,571.61 1,515.72 153,087.33
21 153,087.33 4,616.20 148,471.13 1,484.71 149,955.84
22 149,955.84 4,616.20 145,339.64 1,453.40 146,793.04
23 146,793.04 4,616.20 142,176.84 1,421.77 143,598.61
24 143,598.61 4,616.20 138,982.41 1,389.82 140,372.23
25 140,372.23 4,616.20 135,756.03 1,357.56 137,113.59
26 137,113.59 4,616.20 132,497.39 1,324.97 133,822.36
27 133,822.36 4,616.20 129,206.16 1,292.06 130,498.22
28 130,498.22 4,616.20 125,882.02 1,258.82 127,140.84
29 127,140.84 4,616.20 122,524.64 1,225.25 123,749.89
30 123,749.89 4,616.20 119,133.69 1,191.34 120,325.03
31 120,325.03 4,616.20 115,708.83 1,157.09 116,865.92
32 116,865.92 4,616.20 112,249.72 1,122.50 113,372.22
33 113,372.22 4,616.20 108,756.02 1,087.56 109,843.58
34 109,843.58 4,616.20 105,227.38 1,052.27 106,279.65
35 106,279.65 4,616.20 101,663.45 1,016.63 102,680.08
36 102,680.08 4,616.20 98,063.88 980.64 99,044.52
37 99,044.52 4,616.20 94,428.32 944.28 95,372.60
38 95,372.60 4,616.20 90,756.40 907.56 91,663.96
39 91,663.96 4,616.20 87,047.76 870.48 87,918.24
40 87,918.24 4,616.20 83,302.04 833.02 84,135.06
41 84,135.06 4,616.20 79,518.86 795.19 80,314.05
42 80,314.05 4,616.20 75,697.85 756.98 76,454.83
CRITÉRIO DA SALDO PRESTAÇÃO JUROS SOBRE SALDO
2ª. INTERPRET. ANTERIOR LÍQUIDA NOVO SALDO O NOVO SALDO DEVEDOR FINAL
43 76,454.83 4,616.20 71,838.63 718.39 72,557.02
44 72,557.02 4,616.20 67,940.82 679.41 68,620.23
45 68,620.23 4,616.20 64,004.03 640.04 64,644.07
46 64,644.07 4,616.20 60,027.87 600.28 60,628.15
47 60,628.15 4,616.20 56,011.95 560.12 56,572.07
48 56,572.07 4,616.20 51,955.87 519.56 52,475.43
49 52,475.43 4,616.20 47,859.23 478.59 48,337.82
50 48,337.82 4,616.20 43,721.62 437.22 44,158.84
51 44,158.84 4,616.20 39,542.64 395.43 39,938.07
52 39,938.07 4,616.20 35,321.87 353.22 35,675.09
53 35,675.09 4,616.20 31,058.89 310.59 31,369.48
54 31,369.48 4,616.20 26,753.28 267.53 27,020.81
55 27,020.81 4,616.20 22,404.61 224.05 22,628.66
56 22,628.66 4,616.20 18,012.46 180.12 18,192.58
57 18,192.58 4,616.20 13,576.38 135.76 13,712.14
58 13,712.14 4,616.20 9,095.94 90.96 9,186.90
59 9,186.90 4,616.20 4,570.70 45.71 4,616.41
60 4,616.41 4,616.20 0.21 0.00 0.21
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
CRITÉRIO DA SALDO PRESTAÇÃO JUROS SOBRE SALDO
2ª. INTERPRET. ANTERIOR LÍQUIDA NOVO SALDO O NOVO SALDO DEVEDOR FINAL
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
CRITÉRIO DA SALDO PRESTAÇÃO JUROS SOBRE SALDO
2ª. INTERPRET. ANTERIOR LÍQUIDA NOVO SALDO O NOVO SALDO DEVEDOR FINAL
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
CRITÉRIO DA SALDO PRESTAÇÃO JUROS SOBRE SALDO
2ª. INTERPRET. ANTERIOR LÍQUIDA NOVO SALDO O NOVO SALDO DEVEDOR FINAL
175
176
177
178
179
180
181
182
183
184
185
186
187
188
189
190
191
192
193
194
195
196
197
198
199
200
201
202
203
204
205
206
207
208
209
210
211
212
213
214
215
216
217
218
CRITÉRIO DA SALDO PRESTAÇÃO JUROS SOBRE SALDO
2ª. INTERPRET. ANTERIOR LÍQUIDA NOVO SALDO O NOVO SALDO DEVEDOR FINAL
219
220
221
222
223
224
225
226
227
228
229
230
231
232
233
234
235
236
237
238
239
240
241
242
243
244
245
246
247
248
249
250
251
252
253
254
255
256
257
258
259
260
261
262
CRITÉRIO DA SALDO PRESTAÇÃO JUROS SOBRE SALDO
2ª. INTERPRET. ANTERIOR LÍQUIDA NOVO SALDO O NOVO SALDO DEVEDOR FINAL
263
264
265
266
267
268
269
270
271
272
273
274
275
276
277
278
279
280
281
282
283
284
285
286
287
288
289
290
291
292
293
294
295
296
297
298
299
300
301
302
303
304
305
306
CRITÉRIO DA SALDO PRESTAÇÃO JUROS SOBRE SALDO
2ª. INTERPRET. ANTERIOR LÍQUIDA NOVO SALDO O NOVO SALDO DEVEDOR FINAL
307
308
309
310
311
312
313
314
315
316
317
318
319
320
321
322
323
324
325
326
327
328
329
330
331
332
333
334
335
336
337
338
339
340
341
342
343
344
345
346
347
348
349
350
CRITÉRIO DA SALDO PRESTAÇÃO JUROS SOBRE SALDO
2ª. INTERPRET. ANTERIOR LÍQUIDA NOVO SALDO O NOVO SALDO DEVEDOR FINAL
351
352
353
354
355
356
357
358
359
360
OS CAMPOS EM COR VERDE NÃO PERMITEM A ENTRADA DE DADOS NESTA VERSÃO DEMONSTRATIVA
Cálculo das Prestações Líquidas Constantes a partir do Principal Devido para a
utilização exclusiva em REFINANCIAMENTOS baseados em Juros Simples
PRINCIPAL DEVIDO A PARTIR DO MÊS DE ASSINATURA DO CONTRATO ATÉ O MÊS DE
PAGAMENTO DE CADA PRESTAÇÃO RESTANTE.
OS VALORES A SEREM DIGITADOS DEVEM SER CONSEQUENTES DE UM CÁLCULO REVISIONAL
REALIZADO EM JUROS SIMPLES ( SEÇÃO "JUROS SIMPLES" DESTA PLANILHA ).
SE DESEJAR REALIZAR UM FINANCIAMENTO EM JUROS SIMPLES, UTILIZE A SEÇÃO "17" OU
60 Quantidade de Prestações do NOVO Financiamento
1.000000% Taxa de Juros por 30 dias
84 NÚMERO DA PRESTAÇÃO
2,417.95 VALOR PRESENTE CORRIGIDO DA PRESTAÇÃO
75,921.38 PRINCIPAL DEVIDO CORRIGIDO ANTES DE EFETUADO O PAGAMENTO
> 2,610.53
> 73,503.43
> 144
> 60
> 156,631.80
> 83,128.37
> Logo após o pagamento nº. 84
135,246.31
>
e possuiria a mesma quantidade de 60 prestações : 0.494485%
PORQUE OS CÁLCULOS SÃO REALIZADOS E CONTROLADOS PELAS INSTITUIÇÕES
FINANCEIRAS ( PRESTAÇÕES, SALDO DEVEDOR, SEGUROS, TAXA DE SERVIÇO, ETC. ).
O IMPORTANTE É QUE O REFINANCIAMENTO SEJA EFETUADO A PARTIR DA TAXA
ESTA SEÇÃO DE CÁLCULO PODE SER UTILIZADA SOMENTE EM REFINANCIAMENTOS PORQUE
OS VALORES SÃO SEMPRE CALCULADOS COM CARÊNCIA EM JUROS SIMPLES SOBRE O
PORTANTO NUNCA EXISTIRÁ CAPITALIZAÇÃO DE JUROS.
"18" DA PLANILHA PCFH_ORIGINAL .
DADOS RELATIVOS À ÚLTIMA PRESTAÇÃO PAGA
Valor das NOVAS Prestações Líquidas :
Valor do Principal como referência ( época da assinatura ) :
Quantidade TOTAL de Meses do cálculo :
Quantidade de NOVAS Prestações Líquidas :
Soma das NOVAS Prestações Líquidas :
Total em Juros ( NOVO Financiamento em Juros Simples ) :
existia um Saldo Devedor em Juros Simples :
Taxa de Juros por 30 dias que geraria o mesmo
valor das prestações pelo Sistema Price a partir
do Saldo Devedor acima adotado como valor
Financiado. O financiamento não teria carência
ATENÇÃO : OS REFINANCIAMENTOS SÃO REALIZADOS EM JUROS COMPOSTOS
DETERMINADA ACIMA.
VALOR FINANCIADO DO REFINANCIAMENTO : 135,246.31
OS PAGAMENTOS DEVEM SER EFETUADOS NOS VALORES EXATOS PARA MANTER
A EQUIVALÊNCIA ENTRE OS MÉTODOS.
OS REFINANCIAMENTOS PODEM SER REALIZADOS POR SISTEMAS DIFERENTES DE
O OBJETIVO DO QUADRO ABAIXO É DE APENAS MOSTRAR QUE O VALOR DAS
PRESTAÇÕES LÍQUIDAS DETERMINADO ACIMA ESTÁ CORRETO.
ESTE QUADRO EXIBE O INTERVALO DE CARÊNCIA DO CÁLCULO
VALOR
PRESENTE JUROS DO
DA PREST. PRINCIPAL PRINCIPAL SALDO
-------------- JUROS DO DEVIDO DEVIDO DEVEDOR
%JUROS AMORTIZ. VALOR ANTES DE ANTES DE APÓS
SIMPLES PRESTAÇÃO MENSAL DO PRESENTE EFETUADO O EFETUADO O EFETUADO O
PROPORC. LÍQUIDA PRINCIPAL DA PREST. PAGAMENTO PAGAMENTO PAGAMENTO
1 1.000000 0.00 0.00 0.00 73,503.43 735.03 74,238.46
2 2.000000 0.00 0.00 0.00 73,503.43 1,470.07 74,973.50
3 3.000000 0.00 0.00 0.00 73,503.43 2,205.10 75,708.53
4 4.000000 0.00 0.00 0.00 73,503.43 2,940.14 76,443.57
5 5.000000 0.00 0.00 0.00 73,503.43 3,675.17 77,178.60
6 6.000000 0.00 0.00 0.00 73,503.43 4,410.21 77,913.64
7 7.000000 0.00 0.00 0.00 73,503.43 5,145.24 78,648.67
8 8.000000 0.00 0.00 0.00 73,503.43 5,880.27 79,383.70
9 9.000000 0.00 0.00 0.00 73,503.43 6,615.31 80,118.74
10 10.000000 0.00 0.00 0.00 73,503.43 7,350.34 80,853.77
11 11.000000 0.00 0.00 0.00 73,503.43 8,085.38 81,588.81
12 12.000000 0.00 0.00 0.00 73,503.43 8,820.41 82,323.84
13 13.000000 0.00 0.00 0.00 73,503.43 9,555.45 83,058.88
14 14.000000 0.00 0.00 0.00 73,503.43 10,290.48 83,793.91
15 15.000000 0.00 0.00 0.00 73,503.43 11,025.51 84,528.94
16 16.000000 0.00 0.00 0.00 73,503.43 11,760.55 85,263.98
17 17.000000 0.00 0.00 0.00 73,503.43 12,495.58 85,999.01
18 18.000000 0.00 0.00 0.00 73,503.43 13,230.62 86,734.05
19 19.000000 0.00 0.00 0.00 73,503.43 13,965.65 87,469.08
20 20.000000 0.00 0.00 0.00 73,503.43 14,700.69 88,204.12
21 21.000000 0.00 0.00 0.00 73,503.43 15,435.72 88,939.15
22 22.000000 0.00 0.00 0.00 73,503.43 16,170.75 89,674.18
23 23.000000 0.00 0.00 0.00 73,503.43 16,905.79 90,409.22
24 24.000000 0.00 0.00 0.00 73,503.43 17,640.82 91,144.25
25 25.000000 0.00 0.00 0.00 73,503.43 18,375.86 91,879.29
26 26.000000 0.00 0.00 0.00 73,503.43 19,110.89 92,614.32
27 27.000000 0.00 0.00 0.00 73,503.43 19,845.93 93,349.36
28 28.000000 0.00 0.00 0.00 73,503.43 20,580.96 94,084.39
29 29.000000 0.00 0.00 0.00 73,503.43 21,315.99 94,819.42
30 30.000000 0.00 0.00 0.00 73,503.43 22,051.03 95,554.46
31 31.000000 0.00 0.00 0.00 73,503.43 22,786.06 96,289.49
32 32.000000 0.00 0.00 0.00 73,503.43 23,521.10 97,024.53
33 33.000000 0.00 0.00 0.00 73,503.43 24,256.13 97,759.56
34 34.000000 0.00 0.00 0.00 73,503.43 24,991.17 98,494.60
35 35.000000 0.00 0.00 0.00 73,503.43 25,726.20 99,229.63
AMORTIZAÇÃO, UTILIZE A PLANILHA DE CÁLCULOS ORIGINAIS PCFH_ORIGINAL .
VALOR
PRESENTE JUROS DO
DA PREST. PRINCIPAL PRINCIPAL SALDO
-------------- JUROS DO DEVIDO DEVIDO DEVEDOR
%JUROS AMORTIZ. VALOR ANTES DE ANTES DE APÓS
SIMPLES PRESTAÇÃO MENSAL DO PRESENTE EFETUADO O EFETUADO O EFETUADO O
PROPORC. LÍQUIDA PRINCIPAL DA PREST. PAGAMENTO PAGAMENTO PAGAMENTO
36 36.000000 0.00 0.00 0.00 73,503.43 26,461.23 99,964.66
37 37.000000 0.00 0.00 0.00 73,503.43 27,196.27 100,699.70
38 38.000000 0.00 0.00 0.00 73,503.43 27,931.30 101,434.73
39 39.000000 0.00 0.00 0.00 73,503.43 28,666.34 102,169.77
40 40.000000 0.00 0.00 0.00 73,503.43 29,401.37 102,904.80
41 41.000000 0.00 0.00 0.00 73,503.43 30,136.41 103,639.84
42 42.000000 0.00 0.00 0.00 73,503.43 30,871.44 104,374.87
43 43.000000 0.00 0.00 0.00 73,503.43 31,606.47 105,109.90
44 44.000000 0.00 0.00 0.00 73,503.43 32,341.51 105,844.94
45 45.000000 0.00 0.00 0.00 73,503.43 33,076.54 106,579.97
46 46.000000 0.00 0.00 0.00 73,503.43 33,811.58 107,315.01
47 47.000000 0.00 0.00 0.00 73,503.43 34,546.61 108,050.04
48 48.000000 0.00 0.00 0.00 73,503.43 35,281.65 108,785.08
49 49.000000 0.00 0.00 0.00 73,503.43 36,016.68 109,520.11
50 50.000000 0.00 0.00 0.00 73,503.43 36,751.72 110,255.15
51 51.000000 0.00 0.00 0.00 73,503.43 37,486.75 110,990.18
52 52.000000 0.00 0.00 0.00 73,503.43 38,221.78 111,725.21
53 53.000000 0.00 0.00 0.00 73,503.43 38,956.82 112,460.25
54 54.000000 0.00 0.00 0.00 73,503.43 39,691.85 113,195.28
55 55.000000 0.00 0.00 0.00 73,503.43 40,426.89 113,930.32
56 56.000000 0.00 0.00 0.00 73,503.43 41,161.92 114,665.35
57 57.000000 0.00 0.00 0.00 73,503.43 41,896.96 115,400.39
58 58.000000 0.00 0.00 0.00 73,503.43 42,631.99 116,135.42
59 59.000000 0.00 0.00 0.00 73,503.43 43,367.02 116,870.45
60 60.000000 0.00 0.00 0.00 73,503.43 44,102.06 117,605.49
61 61.000000 0.00 0.00 0.00 73,503.43 44,837.09 118,340.52
62 62.000000 0.00 0.00 0.00 73,503.43 45,572.13 119,075.56
63 63.000000 0.00 0.00 0.00 73,503.43 46,307.16 119,810.59
64 64.000000 0.00 0.00 0.00 73,503.43 47,042.20 120,545.63
65 65.000000 0.00 0.00 0.00 73,503.43 47,777.23 121,280.66
66 66.000000 0.00 0.00 0.00 73,503.43 48,512.26 122,015.69
67 67.000000 0.00 0.00 0.00 73,503.43 49,247.30 122,750.73
68 68.000000 0.00 0.00 0.00 73,503.43 49,982.33 123,485.76
69 69.000000 0.00 0.00 0.00 73,503.43 50,717.37 124,220.80
70 70.000000 0.00 0.00 0.00 73,503.43 51,452.40 124,955.83
71 71.000000 0.00 0.00 0.00 73,503.43 52,187.44 125,690.87
72 72.000000 0.00 0.00 0.00 73,503.43 52,922.47 126,425.90
73 73.000000 0.00 0.00 0.00 73,503.43 53,657.50 127,160.93
74 74.000000 0.00 0.00 0.00 73,503.43 54,392.54 127,895.97
75 75.000000 0.00 0.00 0.00 73,503.43 55,127.57 128,631.00
76 76.000000 0.00 0.00 0.00 73,503.43 55,862.61 129,366.04
77 77.000000 0.00 0.00 0.00 73,503.43 56,597.64 130,101.07
78 78.000000 0.00 0.00 0.00 73,503.43 57,332.68 130,836.11
79 79.000000 0.00 0.00 0.00 73,503.43 58,067.71 131,571.14
VALOR
PRESENTE JUROS DO
DA PREST. PRINCIPAL PRINCIPAL SALDO
-------------- JUROS DO DEVIDO DEVIDO DEVEDOR
%JUROS AMORTIZ. VALOR ANTES DE ANTES DE APÓS
SIMPLES PRESTAÇÃO MENSAL DO PRESENTE EFETUADO O EFETUADO O EFETUADO O
PROPORC. LÍQUIDA PRINCIPAL DA PREST. PAGAMENTO PAGAMENTO PAGAMENTO
80 80.000000 0.00 0.00 0.00 73,503.43 58,802.74 132,306.17
81 81.000000 0.00 0.00 0.00 73,503.43 59,537.78 133,041.21
82 82.000000 0.00 0.00 0.00 73,503.43 60,272.81 133,776.24
83 83.000000 0.00 0.00 0.00 73,503.43 61,007.85 134,511.28
84 84.000000 0.00 0.00 0.00 73,503.43 61,742.88 135,246.31
85 85.000000 2,610.53 1,411.10 1,199.43 73,503.43 62,477.92 133,370.82
86 86.000000 2,610.53 1,403.51 1,207.02 72,092.33 61,999.40 131,481.20
87 87.000000 2,610.53 1,396.01 1,214.52 70,688.82 61,499.27 129,577.56
88 88.000000 2,610.53 1,388.58 1,221.95 69,292.81 60,977.67 127,659.95
89 89.000000 2,610.53 1,381.23 1,229.30 67,904.23 60,434.76 125,728.46
90 90.000000 2,610.53 1,373.96 1,236.57 66,523.00 59,870.70 123,783.17
91 91.000000 2,610.53 1,366.77 1,243.76 65,149.04 59,285.63 121,824.14
92 92.000000 2,610.53 1,359.65 1,250.88 63,782.27 58,679.69 119,851.43
93 93.000000 2,610.53 1,352.61 1,257.92 62,422.62 58,053.04 117,865.13
94 94.000000 2,610.53 1,345.63 1,264.90 61,070.01 57,405.81 115,865.29
95 95.000000 2,610.53 1,338.73 1,271.80 59,724.38 56,738.16 113,852.01
96 96.000000 2,610.53 1,331.90 1,278.63 58,385.65 56,050.22 111,825.34
97 97.000000 2,610.53 1,325.14 1,285.39 57,053.75 55,342.14 109,785.36
98 98.000000 2,610.53 1,318.45 1,292.08 55,728.61 54,614.04 107,732.12
99 99.000000 2,610.53 1,311.82 1,298.71 54,410.16 53,866.06 105,665.69
100 100.000000 2,610.53 1,305.27 1,305.26 53,098.34 53,098.34 103,586.15
101 101.000000 2,610.53 1,298.77 1,311.76 51,793.07 52,311.00 101,493.54
102 102.000000 2,610.53 1,292.34 1,318.19 50,494.30 51,504.19 99,387.96
103 103.000000 2,610.53 1,285.98 1,324.55 49,201.96 50,678.02 97,269.45
104 104.000000 2,610.53 1,279.67 1,330.86 47,915.98 49,832.62 95,138.07
105 105.000000 2,610.53 1,273.43 1,337.10 46,636.31 48,968.13 92,993.91
106 106.000000 2,610.53 1,267.25 1,343.28 45,362.88 48,084.65 90,837.00
107 107.000000 2,610.53 1,261.13 1,349.40 44,095.63 47,182.32 88,667.42
108 108.000000 2,610.53 1,255.06 1,355.47 42,834.50 46,261.26 86,485.23
109 109.000000 2,610.53 1,249.06 1,361.47 41,579.44 45,321.59 84,290.50
110 110.000000 2,610.53 1,243.11 1,367.42 40,330.38 44,363.42 82,083.27
111 111.000000 2,610.53 1,237.22 1,373.31 39,087.27 43,386.87 79,863.61
112 112.000000 2,610.53 1,231.38 1,379.15 37,850.05 42,392.06 77,631.58
113 113.000000 2,610.53 1,225.60 1,384.93 36,618.67 41,379.10 75,387.24
114 114.000000 2,610.53 1,219.87 1,390.66 35,393.07 40,348.10 73,130.64
115 115.000000 2,610.53 1,214.20 1,396.33 34,173.20 39,299.18 70,861.85
116 116.000000 2,610.53 1,208.58 1,401.95 32,959.00 38,232.44 68,580.91
117 117.000000 2,610.53 1,203.01 1,407.52 31,750.42 37,147.99 66,287.88
118 118.000000 2,610.53 1,197.49 1,413.04 30,547.41 36,045.94 63,982.82
119 119.000000 2,610.53 1,192.02 1,418.51 29,349.92 34,926.40 61,665.79
120 120.000000 2,610.53 1,186.60 1,423.93 28,157.90 33,789.48 59,336.85
121 121.000000 2,610.53 1,181.24 1,429.29 26,971.30 32,635.27 56,996.04
122 122.000000 2,610.53 1,175.91 1,434.62 25,790.06 31,463.87 54,643.40
123 123.000000 2,610.53 1,170.64 1,439.89 24,614.15 30,275.40 52,279.02
VALOR
PRESENTE JUROS DO
DA PREST. PRINCIPAL PRINCIPAL SALDO
-------------- JUROS DO DEVIDO DEVIDO DEVEDOR
%JUROS AMORTIZ. VALOR ANTES DE ANTES DE APÓS
SIMPLES PRESTAÇÃO MENSAL DO PRESENTE EFETUADO O EFETUADO O EFETUADO O
PROPORC. LÍQUIDA PRINCIPAL DA PREST. PAGAMENTO PAGAMENTO PAGAMENTO
124 124.000000 2,610.53 1,165.42 1,445.11 23,443.51 29,069.95 49,902.93
125 125.000000 2,610.53 1,160.24 1,450.29 22,278.09 27,847.61 47,515.17
126 126.000000 2,610.53 1,155.10 1,455.43 21,117.85 26,608.49 45,115.81
127 127.000000 2,610.53 1,150.01 1,460.52 19,962.75 25,352.69 42,704.91
128 128.000000 2,610.53 1,144.97 1,465.56 18,812.74 24,080.31 40,282.52
129 129.000000 2,610.53 1,139.97 1,470.56 17,667.77 22,791.42 37,848.66
130 130.000000 2,610.53 1,135.01 1,475.52 16,527.80 21,486.14 35,403.41
131 131.000000 2,610.53 1,130.10 1,480.43 15,392.79 20,164.55 32,946.81
132 132.000000 2,610.53 1,125.23 1,485.30 14,262.69 18,826.75 30,478.91
133 133.000000 2,610.53 1,120.40 1,490.13 13,137.46 17,472.82 27,999.75
134 134.000000 2,610.53 1,115.61 1,494.92 12,017.06 16,102.86 25,509.39
135 135.000000 2,610.53 1,110.86 1,499.67 10,901.45 14,716.96 23,007.88
136 136.000000 2,610.53 1,106.16 1,504.37 9,790.59 13,315.20 20,495.26
137 137.000000 2,610.53 1,101.49 1,509.04 8,684.43 11,897.67 17,971.57
138 138.000000 2,610.53 1,096.86 1,513.67 7,582.94 10,464.46 15,436.87
139 139.000000 2,610.53 1,092.27 1,518.26 6,486.08 9,015.65 12,891.20
140 140.000000 2,610.53 1,087.72 1,522.81 5,393.81 7,551.33 10,334.61
141 141.000000 2,610.53 1,083.21 1,527.32 4,306.09 6,071.59 7,767.15
142 142.000000 2,610.53 1,078.73 1,531.80 3,222.88 4,576.49 5,188.84
143 143.000000 2,610.53 1,074.29 1,536.24 2,144.15 3,066.13 2,599.75
144 144.000000 2,610.53 1,069.89 1,540.64 1,069.86 1,540.60 -0.07
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
VALOR
PRESENTE JUROS DO
DA PREST. PRINCIPAL PRINCIPAL SALDO
-------------- JUROS DO DEVIDO DEVIDO DEVEDOR
%JUROS AMORTIZ. VALOR ANTES DE ANTES DE APÓS
SIMPLES PRESTAÇÃO MENSAL DO PRESENTE EFETUADO O EFETUADO O EFETUADO O
PROPORC. LÍQUIDA PRINCIPAL DA PREST. PAGAMENTO PAGAMENTO PAGAMENTO
168
169
170
171
172
173
174
175
176
177
178
179
180
181
182
183
184
185
186
187
188
189
190
191
192
193
194
195
196
197
198
199
200
201
202
203
204
205
206
207
208
209
210
211
VALOR
PRESENTE JUROS DO
DA PREST. PRINCIPAL PRINCIPAL SALDO
-------------- JUROS DO DEVIDO DEVIDO DEVEDOR
%JUROS AMORTIZ. VALOR ANTES DE ANTES DE APÓS
SIMPLES PRESTAÇÃO MENSAL DO PRESENTE EFETUADO O EFETUADO O EFETUADO O
PROPORC. LÍQUIDA PRINCIPAL DA PREST. PAGAMENTO PAGAMENTO PAGAMENTO
212
213
214
215
216
217
218
219
220
221
222
223
224
225
226
227
228
229
230
231
232
233
234
235
236
237
238
239
240
241
242
243
244
245
246
247
248
249
250
251
252
253
254
255
VALOR
PRESENTE JUROS DO
DA PREST. PRINCIPAL PRINCIPAL SALDO
-------------- JUROS DO DEVIDO DEVIDO DEVEDOR
%JUROS AMORTIZ. VALOR ANTES DE ANTES DE APÓS
SIMPLES PRESTAÇÃO MENSAL DO PRESENTE EFETUADO O EFETUADO O EFETUADO O
PROPORC. LÍQUIDA PRINCIPAL DA PREST. PAGAMENTO PAGAMENTO PAGAMENTO
256
257
258
259
260
261
262
263
264
265
266
267
268
269
270
271
272
273
274
275
276
277
278
279
280
281
282
283
284
285
286
287
288
289
290
291
292
293
294
295
296
297
298
299
VALOR
PRESENTE JUROS DO
DA PREST. PRINCIPAL PRINCIPAL SALDO
-------------- JUROS DO DEVIDO DEVIDO DEVEDOR
%JUROS AMORTIZ. VALOR ANTES DE ANTES DE APÓS
SIMPLES PRESTAÇÃO MENSAL DO PRESENTE EFETUADO O EFETUADO O EFETUADO O
PROPORC. LÍQUIDA PRINCIPAL DA PREST. PAGAMENTO PAGAMENTO PAGAMENTO
300
301
302
303
304
305
306
307
308
309
310
311
312
313
314
315
316
317
318
319
320
321
322
323
324
325
326
327
328
329
330
331
332
333
334
335
336
337
338
339
340
341
342
343
VALOR
PRESENTE JUROS DO
DA PREST. PRINCIPAL PRINCIPAL SALDO
-------------- JUROS DO DEVIDO DEVIDO DEVEDOR
%JUROS AMORTIZ. VALOR ANTES DE ANTES DE APÓS
SIMPLES PRESTAÇÃO MENSAL DO PRESENTE EFETUADO O EFETUADO O EFETUADO O
PROPORC. LÍQUIDA PRINCIPAL DA PREST. PAGAMENTO PAGAMENTO PAGAMENTO
344
345
346
347
348
349
350
351
352
353
354
355
356
357
358
359
360
Recommended
