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ECON FIN - Profº Arima

III - Exercícios de Amortização de Empréstimos


1) Tabela SAC

Período Saldo Devedor Amortização Juros Prestação Saldo Atual


0 - - - - R$ 400,000.00
1 R$ 512,000.00 R$ 80,000.00 R$ 112,000.00 R$ 192,000.00 R$ 320,000.00
2 R$ 409,600.00 R$ 80,000.00 R$ 89,600.00 R$ 169,600.00 R$ 240,000.00
3 R$ 307,200.00 R$ 80,000.00 R$ 67,200.00 R$ 147,200.00 R$ 160,000.00
4 R$ 204,800.00 R$ 80,000.00 R$ 44,800.00 R$ 124,800.00 R$ 80,000.00
5 R$ 102,400.00 R$ 80,000.00 R$ 22,400.00 R$ 102,400.00 R$ -
Totalizações R$ 400,000.00 R$ 336,000.00 R$ 736,000.00

2) Tabela SAC

Período Saldo Devedor Amortização Juros Prestação Saldo Atual


0 - - - - R$ 1,000,000.00
1 R$ 1,190,000.00 R$ 50,000.00 R$ 190,000.00 R$ 240,000.00 R$ 950,000.00
2 R$ 1,130,500.00 R$ 50,000.00 R$ 180,500.00 R$ 230,500.00 R$ 900,000.00
3 R$ 1,071,000.00 R$ 50,000.00 R$ 171,000.00 R$ 221,000.00 R$ 850,000.00
4 R$ 1,011,500.00 R$ 50,000.00 R$ 161,500.00 R$ 211,500.00 R$ 800,000.00
5 R$ 952,000.00 R$ 50,000.00 R$ 152,000.00 R$ 202,000.00 R$ 750,000.00
6 R$ 892,500.00 R$ 50,000.00 R$ 142,500.00 R$ 192,500.00 R$ 700,000.00
7 R$ 833,000.00 R$ 50,000.00 R$ 133,000.00 R$ 183,000.00 R$ 650,000.00
8 R$ 773,500.00 R$ 50,000.00 R$ 123,500.00 R$ 173,500.00 R$ 600,000.00
9 R$ 714,000.00 R$ 50,000.00 R$ 114,000.00 R$ 164,000.00 R$ 550,000.00
10 R$ 654,500.00 R$ 50,000.00 R$ 104,500.00 R$ 154,500.00 R$ 500,000.00
11 R$ 595,000.00 R$ 50,000.00 R$ 95,000.00 R$ 145,000.00 R$ 450,000.00
12 R$ 535,500.00 R$ 50,000.00 R$ 85,500.00 R$ 135,500.00 R$ 400,000.00
13 R$ 476,000.00 R$ 50,000.00 R$ 76,000.00 R$ 126,000.00 R$ 350,000.00
14 R$ 416,500.00 R$ 50,000.00 R$ 66,500.00 R$ 116,500.00 R$ 300,000.00
15 R$ 357,000.00 R$ 50,000.00 R$ 57,000.00 R$ 107,000.00 R$ 250,000.00
16 R$ 297,500.00 R$ 50,000.00 R$ 47,500.00 R$ 97,500.00 R$ 200,000.00
17 R$ 238,000.00 R$ 50,000.00 R$ 38,000.00 R$ 88,000.00 R$ 150,000.00
18 R$ 178,500.00 R$ 50,000.00 R$ 28,500.00 R$ 78,500.00 R$ 100,000.00
19 R$ 119,000.00 R$ 50,000.00 R$ 19,000.00 R$ 69,000.00 R$ 50,000.00
20 R$ 59,500.00 R$ 50,000.00 R$ 9,500.00 R$ 59,500.00 R$ -
Totalizações R$ 1,000,000.00 R$ 855,000.00 R$ 1,105,000.00 -R$ 1,000,000.00

Período Saldo Devedor Amortização Juros Prestação Saldo Atual


0 - - - - R$ 15,000.00
1 R$ 16,500.00 R$ 1,500.00 R$ 1,500.00 R$ 3,000.00 R$ 13,500.00
2 R$ 14,850.00 R$ 1,500.00 R$ 1,350.00 R$ 2,850.00 R$ 12,000.00
3 R$ 13,200.00 R$ 1,500.00 R$ 1,200.00 R$ 2,700.00 R$ 10,500.00
4 R$ 11,550.00 R$ 1,500.00 R$ 1,050.00 R$ 2,550.00 R$ 9,000.00
5 R$ 9,900.00 R$ 1,500.00 R$ 900.00 R$ 2,400.00 R$ 7,500.00
6 R$ 8,250.00 R$ 1,500.00 R$ 750.00 R$ 2,250.00 R$ 6,000.00
7 R$ 6,600.00 R$ 1,500.00 R$ 600.00 R$ 2,100.00 R$ 4,500.00
8 R$ 4,950.00 R$ 1,500.00 R$ 450.00 R$ 1,950.00 R$ 3,000.00
9 R$ 3,300.00 R$ 1,500.00 R$ 300.00 R$ 1,800.00 R$ 1,500.00
10 R$ 1,650.00 R$ 1,500.00 R$ 150.00 R$ 1,650.00 R$ -
Totalizações R$ 15,000.00 R$ 8,250.00 R$ 23,250.00

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