Simulateur IR 2012 (sur revenus 2011)

Statut familial
Mari/pacs ou clibataire
Nombre d'enfants
Nombre de parts Adultes
Nombre de parts Enfants
Nombre de parts TOTAL

clibataire
1.0
0.0
1.0

Revenu imposable
Vous
63,000

Conjoint

Total
63,000
-6,300
56,700

Abattement forfaitaire - 10%

Revenu NET imposable - TOTAL

Crdit d'impt - Maison principale

Primeire Annuite Suivant

Credit
Montant Prix en compte
Total

IR
Taux Moyen

0
0

11,444
20.18%

Revenu imposable par part - adultes

Revenu imposable par part - yc enfants

56,700
56,700

IR avant dcote
Plafond de la dcote
Dcote

11,444
439
0

Sans enfants

1 parts

Max Tranche

Taux

5,963
11,896
26,420
70,830
> 70 830
TOTAL

TOTAL x nb parts

Avec Enfants

5.50%
14.00%
30.00%
41.00%
20.18%

Revenu /
tranche
5,963
5,933
14,524
30,280
0
56,700
56,700

IR

Cumul

0
326
2,033
9,084
0
11,444

5,963
11,896
26,420
56,700
56,700

11,444

1 parts

Max Tranche

Taux

5,963

11,896
26,420
70,830

5.50%
14.00%
30.00%

41.00%
> 70 830
TOTAL
20.18%
TOTAL x nb parts
Plafonnement de chaque 1/2 part de quotient familial
Reduction lie au plafonnement du quotien familial
Aprs plafonnement

Revenu /
tranche
5,963

IR

Cumul
0

5,963

5,933
14,524
30,280

326
2,033
9,084

11,896
26,420
56,700

0
56,700
56,700

0
11,444
11,444
2,000
0
11,444

56,700

Revenu imposable
Vous
120,000

Conjoint
120,000

Abattement forfaitaire - 10%

Revenu NET imposable - TOTAL

Part(s)
Max Tranche
5,963
11,896
26,420
70,830
> 70830
TOTAL
TOTAL x nb parts

Taux
0
5.50%
14.00%
30.00%
41.00%

Total
240,000
-24,000
216,000

Clibataire Mari/Pacs 1 Enfant

1.0
2.0
2.5
IR

IR

IR

0
326
2,033
13,323
59,520
75,202
75,202
34.8%

0
326
2,033
13,323
15,240
30,922
61,845
28.6%
6.2%

0
326
2,033
13,323
6,384
22,066
55,166
25.5%
3.1%

Mari/Pacs
2 Enfant 3 Enfant
3.0
4.0
IR
0
326
2,033
13,323
480
16,162
48,487
22.4%
3.1%

IR
0
326
2,033
8,274
0
10,634
42,535
19.7%
2.8%

Pacs
4 Enfant
5.0
IR
0
326
2,033
5,034
0
7,394
36,968
17.1%
2.6%

Max Tranche
5,963
11,896
26,420
70,830
> 70830

Taux
0

Anne
Interets
Credit

5.50%
14.00%
30.00%
41.00%

Part(s)

Revenu imposable
75,000
15,000
16,500
18,150
19,965
21,962
24,158
26,573
29,231
32,154
35,369
38,906
42,797
47,076
51,784
56,962
62,659
68,925
75,817
83,399
91,739
100,912
111,004
122,104
134,315
147,746
162,521
178,773
196,650
216,315
237,946

Crdit d'impt - Maison principale

1ere
2eme
10,808
10,474
4,323
2,095

Abattement
forfaitaire - 10%
7,500
1,500
1,650
1,815
1,997
2,196
2,416
2,657
2,923
3,215
3,537
3,891
4,280
4,708
5,178
5,696
6,266
6,892
7,582
8,340
9,174
10,091
11,100
12,210
13,431
14,775
16,252
17,877
19,665
21,631
23,795

1.0

2.0

Revenu NET
imposable - Clibataire Mari/Pacs
TOTAL
67,500
13,500
14,850
16,335
17,969
19,765
21,742
23,916
26,308
28,938
31,832
35,016
38,517
42,369
46,606
51,266
56,393
62,032
68,235
75,059
82,565
90,821
99,903
109,894
120,883
132,971
146,269
160,895
176,985
194,683
214,152

17,392
761
971
1,202
1,456
1,735
2,043
2,406
3,203
4,080
5,044
6,106
7,273
8,557
9,969
11,522
13,231
15,111
17,727
20,836
24,255
28,016
32,154
36,705
41,711
47,218
53,276
59,939
67,269
75,331
84,200

5,684
85
126
171
221
276
352
521
707
912
1,137
1,384
1,657
1,956
2,286
2,978
3,832
4,772
5,806
6,943
8,194
9,571
11,084
12,749
14,581
16,930
19,959
23,291
26,956
30,987
35,421

2.5

1 Enfant
3,434
2
35
71
111
155
204
257
315
461
642
840
1,057
1,297
1,561
1,851
2,170
2,705
3,532
4,442
5,442
6,543
7,754
9,086
10,551
12,163
13,936
15,961
18,893
22,118
25,666

261,741
287,915
316,707

26,174
28,792
31,671

235,567
259,124
285,036

93,956
104,688
116,492

40,299
45,665
51,567

29,568
33,860
38,582

Maison principale
3eme
10,124
2,025

3.0

4eme
9,755
1,951

4.0

5eme
9,367
1,873

5.0

6.0

7.0

8.0

9.0

10.0

2 Enfant 3 Enfant 4 Enfant 5 Enfant 6 Enfant 7 Enfant 8 Enfant 9 Enfant

2,161
0
0
5
38
75
115
159
208
262
320
476
658
858
1,077
1,319
1,585
1,877
2,199
2,774
3,608
4,525
5,534
6,644
7,865
9,208
10,686
12,311
14,099
16,205
19,162

1,286
0
0
0
0
0
4
37
74
114
158
207
260
319
473
655
854
1,073
1,314
1,580
1,872
2,193
2,759
3,591
4,507
5,515
6,623
7,842
9,182
10,657
12,280

761
0
0
0
0
0
0
0
0
26
61
100
143
190
242
299
415
591
784
996
1,230
1,486
1,769
2,080
2,493
3,298
4,185
5,160
6,233
7,413
8,710

411
0
0
0
0
0
0
0
0
0
0
29
64
104
147
194
246
304
430
607
801
1,015
1,251
1,510
1,795
2,108
2,560
3,372
4,266
5,249
6,331

261
0
0
0
0
0
0
0
0
0
0
0
8
42
79
120
164
214
268
329
496
679
881
1,103
1,347
1,616
1,911
2,236
2,862
3,704
4,631

188
0
0
0
0
0
0
0
0
0
0
0
0
0
28
64
103
146
193
245
303
427
603
798
1,011
1,246
1,505
1,789
2,102
2,545
3,357

130
0
0
0
0
0
0
0
0
0
0
0
0
0
0
20
55
93
135
182
233
289
388
560
750
959
1,189
1,442
1,720
2,026
2,365

85
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
17
51
89
131
177
227
283
370
541
729
936
1,164
1,414
1,689
1,992

22,414
25,991
29,926

14,064
16,154
19,105

10,138
11,709
13,436

7,521
8,829
10,269

5,651
6,773
8,007

4,249
5,230
6,310

3,158
4,031
4,991

2,325
3,071
3,935

134,315
Revenu NET imposable - TOTAL
Impots
Emprestimo
Impots - Credit Interessement Max
Impots - Credit Interessement Real

Clibataire Mari/Pacs
120,883
41,711
42,309
3,750
6,346
45,000
40,000
35,000
30,000
25,000
20,000
15,000
10,000
5,000
0

120,883
14,581
39,891
7,500
5,984

1 Enfant
120,883
10,551
36,265
8,000
5,440

2 Enfant 3 Enfant
120,883
7,865
35,056
8,500
5,258

120,883
4,507
33,847
9,000
5,077

4 Enfant 5 Enfant 6 Enfant 7 Enfant 8 Enfant 9 Enfant

120,883
2,493
32,638
9,500
4,896

120,883
1,795
31,430
10,000
4,714

120,883
1,347
30,221
10,500
4,533

120,883
1,011
29,012
11,000
4,352

120,883
750
27,803
11,500
4,170

120,883
541
26,594
12,000
3,989

Impots
Emprestimo
Impots - Credit Interessement Max
Impots - Credit Interessement Real

Valor da Casa

250,000

Taxa Imobiliaria
Entrada

7%

17,375

50,000

Montante Emprestimo
Parcela Mensal
Rate

1,564

217,375
-1,439

52,146.21

35,100

1,170.00

5.04%

20 -> year / month <-

240
22110

Meses PV
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29

217,375
216,849
216,320
215,789
215,256
214,721
214,183
213,643
213,101
212,557
212,010
211,461
210,910
210,357
209,801
209,242
208,682
208,119
207,554
206,986
206,416
205,843
205,269
204,691
204,112
203,530
202,945
202,358
201,769

PV + Juros
Pagmto
218,288
217,759
217,229
216,695
216,160
215,623
215,083
214,541
213,996
213,450
212,901
212,349
211,796
211,240
210,682
210,121
209,558
208,993
208,425
207,855
207,283
206,708
206,131
205,551
204,969
204,384
203,797
203,208
202,616

-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439

Saldo Devedor Juros

216,849
216,320
215,789
215,256
214,721
214,183
213,643
213,101
212,557
212,010
211,461
210,910
210,357
209,801
209,242
208,682
208,119
207,554
206,986
206,416
205,843
205,269
204,691
204,112
203,530
202,945
202,358
201,769
201,177

913
911
909
906
904
902
900
897
895
893
890
888
886
883
881
879
876
874
872
869
867
865
862
860
857
855
852
850
847

30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76

201,177
200,582
199,985
199,386
198,784
198,179
197,572
196,963
196,350
195,736
195,118
194,499
193,876
193,251
192,623
191,993
191,360
190,724
190,086
189,445
188,801
188,155
187,506
186,854
186,199
185,542
184,882
184,219
183,553
182,885
182,213
181,539
180,862
180,183
179,500
178,814
178,126
177,435
176,741
176,044
175,344
174,641
173,935
173,226
172,514
171,799
171,081

202,021
201,425
200,825
200,223
199,619
199,012
198,402
197,790
197,175
196,558
195,938
195,315
194,690
194,063
193,432
192,799
192,164
191,525
190,884
190,241
189,594
188,945
188,293
187,638
186,981
186,321
185,658
184,992
184,324
183,653
182,979
182,302
181,622
180,939
180,254
179,565
178,874
178,180
177,483
176,783
176,080
175,374
174,665
173,953
173,239
172,521
171,800

-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439

200,582
199,985
199,386
198,784
198,179
197,572
196,963
196,350
195,736
195,118
194,499
193,876
193,251
192,623
191,993
191,360
190,724
190,086
189,445
188,801
188,155
187,506
186,854
186,199
185,542
184,882
184,219
183,553
182,885
182,213
181,539
180,862
180,183
179,500
178,814
178,126
177,435
176,741
176,044
175,344
174,641
173,935
173,226
172,514
171,799
171,081
170,361

845
842
840
837
835
832
830
827
825
822
819
817
814
812
809
806
804
801
798
796
793
790
788
785
782
779
777
774
771
768
765
762
760
757
754
751
748
745
742
739
736
733
731
728
725
722
719

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
112
113
114
115
116
117
118
119
120
121
122
123

170,361
169,637
168,910
168,180
167,447
166,711
165,971
165,229
164,484
163,735
162,983
162,229
161,471
160,709
159,945
159,177
158,407
157,632
156,855
156,075
155,291
154,503
153,713
152,919
152,122
151,322
150,518
149,711
148,900
148,086
147,269
146,448
145,623
144,796
143,964
143,130
142,291
141,450
140,604
139,755
138,903
138,047
137,187
136,324
135,457
134,587
133,713

171,076
170,349
169,619
168,886
168,150
167,411
166,669
165,923
165,175
164,423
163,668
162,910
162,149
161,384
160,617
159,846
159,072
158,295
157,514
156,730
155,943
155,152
154,359
153,561
152,761
151,957
151,150
150,339
149,525
148,708
147,887
147,063
146,235
145,404
144,569
143,731
142,889
142,044
141,195
140,342
139,486
138,627
137,764
136,897
136,026
135,152
134,274

-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439

169,637
168,910
168,180
167,447
166,711
165,971
165,229
164,484
163,735
162,983
162,229
161,471
160,709
159,945
159,177
158,407
157,632
156,855
156,075
155,291
154,503
153,713
152,919
152,122
151,322
150,518
149,711
148,900
148,086
147,269
146,448
145,623
144,796
143,964
143,130
142,291
141,450
140,604
139,755
138,903
138,047
137,187
136,324
135,457
134,587
133,713
132,835

716
712
709
706
703
700
697
694
691
688
685
681
678
675
672
669
665
662
659
656
652
649
646
642
639
636
632
629
625
622
619
615
612
608
605
601
598
594
591
587
583
580
576
573
569
565
562

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
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170

132,835
131,954
131,068
130,180
129,287
128,391
127,490
126,586
125,679
124,767
123,852
122,933
122,010
121,083
120,152
119,217
118,278
117,336
116,389
115,439
114,484
113,525
112,563
111,596
110,626
109,651
108,672
107,689
106,702
105,711
104,715
103,716
102,712
101,704
100,692
99,675
98,654
97,629
96,600
95,566
94,528
93,486
92,439
91,388
90,333
89,273
88,208

133,393
132,508
131,619
130,726
129,830
128,930
128,026
127,118
126,207
125,291
124,372
123,449
122,522
121,591
120,656
119,718
118,775
117,829
116,878
115,923
114,965
114,002
113,036
112,065
111,090
110,111
109,128
108,141
107,150
106,155
105,155
104,151
103,143
102,131
101,115
100,094
99,069
98,039
97,006
95,968
94,925
93,879
92,828
91,772
90,712
89,648
88,579

-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439

131,954
131,068
130,180
129,287
128,391
127,490
126,586
125,679
124,767
123,852
122,933
122,010
121,083
120,152
119,217
118,278
117,336
116,389
115,439
114,484
113,525
112,563
111,596
110,626
109,651
108,672
107,689
106,702
105,711
104,715
103,716
102,712
101,704
100,692
99,675
98,654
97,629
96,600
95,566
94,528
93,486
92,439
91,388
90,333
89,273
88,208
87,139

558
554
550
547
543
539
535
532
528
524
520
516
512
509
505
501
497
493
489
485
481
477
473
469
465
461
456
452
448
444
440
436
431
427
423
419
414
410
406
401
397
393
388
384
379
375
370

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
212
213
214
215
216
217

87,139
86,066
84,988
83,906
82,819
81,727
80,631
79,530
78,425
77,315
76,200
75,081
73,957
72,828
71,694
70,556
69,413
68,265
67,113
65,955
64,793
63,625
62,453
61,276
60,094
58,907
57,715
56,518
55,316
54,109
52,897
51,680
50,457
49,230
47,997
46,760
45,517
44,268
43,015
41,756
40,492
39,223
37,948
36,668
35,383
34,092
32,796

87,505
86,427
85,345
84,258
83,166
82,070
80,969
79,864
78,754
77,639
76,520
75,396
74,267
73,134
71,996
70,852
69,705
68,552
67,394
66,232
65,065
63,893
62,716
61,534
60,347
59,155
57,958
56,756
55,549
54,336
53,119
51,897
50,669
49,437
48,199
46,956
45,708
44,454
43,196
41,932
40,662
39,388
38,108
36,822
35,531
34,235
32,934

-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439

86,066
84,988
83,906
82,819
81,727
80,631
79,530
78,425
77,315
76,200
75,081
73,957
72,828
71,694
70,556
69,413
68,265
67,113
65,955
64,793
63,625
62,453
61,276
60,094
58,907
57,715
56,518
55,316
54,109
52,897
51,680
50,457
49,230
47,997
46,760
45,517
44,268
43,015
41,756
40,492
39,223
37,948
36,668
35,383
34,092
32,796
31,494

366
361
357
352
348
343
339
334
329
325
320
315
311
306
301
296
292
287
282
277
272
267
262
257
252
247
242
237
232
227
222
217
212
207
202
196
191
186
181
175
170
165
159
154
149
143
138

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
256
257
258
259
260
261
262
263
264

31,494
30,187
28,874
27,556
26,233
24,904
23,569
22,228
20,882
19,531
18,173
16,810
15,441
14,067
12,687
11,300
9,909
8,511
7,107
5,698
4,282
2,861
1,433
0
-1,439
-2,885
-4,336
-5,794
-7,258
-8,728
-10,204
-11,686
-13,174
-14,669
-16,170
-17,677
-19,191
-20,711
-22,237
-23,770
-25,309
-26,855
-28,407
-29,966
-31,531
-33,103
-34,681

31,626
30,314
28,996
27,672
26,343
25,008
23,668
22,322
20,970
19,613
18,250
16,881
15,506
14,126
12,740
11,348
9,950
8,547
7,137
5,722
4,300
2,873
1,439
0
-1,445
-2,897
-4,355
-5,818
-7,288
-8,764
-10,246
-11,735
-13,230
-14,731
-16,238
-17,752
-19,272
-20,798
-22,331
-23,870
-25,416
-26,968
-28,526
-30,092
-31,664
-33,242
-34,827

-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439

30,187
28,874
27,556
26,233
24,904
23,569
22,228
20,882
19,531
18,173
16,810
15,441
14,067
12,687
11,300
9,909
8,511
7,107
5,698
4,282
2,861
1,433
0
-1,439
-2,885
-4,336
-5,794
-7,258
-8,728
-10,204
-11,686
-13,174
-14,669
-16,170
-17,677
-19,191
-20,711
-22,237
-23,770
-25,309
-26,855
-28,407
-29,966
-31,531
-33,103
-34,681
-36,266

132
127
121
116
110
105
99
93
88
82
76
71
65
59
53
47
42
36
30
24
18
12
6
0
-6
-12
-18
-24
-30
-37
-43
-49
-55
-62
-68
-74
-81
-87
-93
-100
-106
-113
-119
-126
-132
-139
-146

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
307
308
309
310
311

-36,266
-37,858
-39,456
-41,062
-42,673
-44,292
-45,917
-47,550
-49,189
-50,835
-52,488
-54,147
-55,814
-57,488
-59,169
-60,857
-62,552
-64,254
-65,963
-67,680
-69,403
-71,134
-72,872
-74,618
-76,370
-78,131
-79,898
-81,673
-83,456
-85,245
-87,043
-88,848
-90,660
-92,481
-94,308
-96,144
-97,987
-99,838
-101,697
-103,563
-105,438
-107,320
-109,210
-111,108
-113,014
-114,928
-116,850

-36,419
-38,017
-39,622
-41,234
-42,853
-44,478
-46,110
-47,749
-49,395
-51,048
-52,708
-54,375
-56,049
-57,730
-59,417
-61,112
-62,815
-64,524
-66,240
-67,964
-69,695
-71,433
-73,178
-74,931
-76,691
-78,459
-80,234
-82,016
-83,806
-85,603
-87,408
-89,221
-91,041
-92,869
-94,704
-96,548
-98,399
-100,257
-102,124
-103,998
-105,880
-107,770
-109,669
-111,575
-113,489
-115,411
-117,341

-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439

-37,858
-39,456
-41,062
-42,673
-44,292
-45,917
-47,550
-49,189
-50,835
-52,488
-54,147
-55,814
-57,488
-59,169
-60,857
-62,552
-64,254
-65,963
-67,680
-69,403
-71,134
-72,872
-74,618
-76,370
-78,131
-79,898
-81,673
-83,456
-85,245
-87,043
-88,848
-90,660
-92,481
-94,308
-96,144
-97,987
-99,838
-101,697
-103,563
-105,438
-107,320
-109,210
-111,108
-113,014
-114,928
-116,850
-118,780

-152
-159
-166
-172
-179
-186
-193
-200
-207
-214
-220
-227
-234
-241
-249
-256
-263
-270
-277
-284
-291
-299
-306
-313
-321
-328
-336
-343
-351
-358
-366
-373
-381
-388
-396
-404
-412
-419
-427
-435
-443
-451
-459
-467
-475
-483
-491

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
352
353
354
355
356
357
358

-118,780
-120,719
-122,665
-124,619
-126,582
-128,553
-130,533
-132,520
-134,516
-136,521
-138,533
-140,555
-142,584
-144,623
-146,669
-148,725
-150,789
-152,861
-154,943
-157,033
-159,132
-161,240
-163,356
-165,482
-167,616
-169,760
-171,912
-174,073
-176,244
-178,423
-180,612
-182,810
-185,017
-187,234
-189,460
-191,695
-193,939
-196,193
-198,457
-200,729
-203,012
-205,304
-207,606
-209,917
-212,238
-214,569
-216,909

-119,279
-121,226
-123,180
-125,143
-127,114
-129,093
-131,081
-133,077
-135,081
-137,094
-139,115
-141,145
-143,183
-145,230
-147,285
-149,349
-151,422
-153,503
-155,594
-157,693
-159,800
-161,917
-164,042
-166,177
-168,320
-170,473
-172,634
-174,804
-176,984
-179,173
-181,371
-183,578
-185,794
-188,020
-190,255
-192,500
-194,754
-197,017
-199,290
-201,572
-203,865
-206,166
-208,478
-210,799
-213,129
-215,470
-217,820

-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439
-1,439

-120,719
-122,665
-124,619
-126,582
-128,553
-130,533
-132,520
-134,516
-136,521
-138,533
-140,555
-142,584
-144,623
-146,669
-148,725
-150,789
-152,861
-154,943
-157,033
-159,132
-161,240
-163,356
-165,482
-167,616
-169,760
-171,912
-174,073
-176,244
-178,423
-180,612
-182,810
-185,017
-187,234
-189,460
-191,695
-193,939
-196,193
-198,457
-200,729
-203,012
-205,304
-207,606
-209,917
-212,238
-214,569
-216,909
-219,260

-499
-507
-515
-523
-532
-540
-548
-557
-565
-573
-582
-590
-599
-607
-616
-625
-633
-642
-651
-660
-668
-677
-686
-695
-704
-713
-722
-731
-740
-749
-759
-768
-777
-786
-796
-805
-815
-824
-834
-843
-853
-862
-872
-882
-891
-901
-911

359
360

-219,260
-221,620

-220,181
-222,551

-1,439
-1,439

-221,620
-223,990

-921
-931

Anos

Custo Emprestimo

86,363

-60.27%

10

172,726

-20.54%

15

259,090

19.19%

20

345,453

58.92%

25

431,816

98.65%

217,375
210,910
204,112
196,963
189,445
181,539
173,226
164,484
155,291
145,623
135,457
124,767
113,525
101,704
89,273
76,200
62,453
47,997
32,796
16,810
0
-17,677
-36,266
-55,814
-76,370
-97,987
-120,719
-144,623
-169,760

Juros
10,808
10,474
10,124
9,755
9,367
8,959
8,530
8,080
7,605
7,107
6,582
6,031
5,451
4,841
4,200
3,526
2,817
2,071
1,287
462
-405
-1,316
-2,275
-3,284
-4,344
-5,459
-6,631
-7,864
-9,161

1842.5

120,883 Anos
-62.6%
1
-60.6%
2
-58.6%
3
-56.5%
4
5
-54.2%
5
6
7
8
9
10
10
11
12
13
14
15
15
16
17
18
19
20
20
21
22
23
24
25
25
26
27
28
29

Mensalidade
Saldo Devedor
-17,273
210,910
-17,273
204,112
-17,273
196,963
-17,273
189,445
-17,273
181,539
-17,273
173,226
-17,273
164,484
-17,273
155,291
-17,273
145,623
-17,273
135,457
-17,273
124,767
-17,273
113,525
-17,273
101,704
-17,273
89,273
-17,273
76,200
-17,273
62,453
-17,273
47,997
-17,273
32,796
-17,273
16,810
-17,273
0
-17,273
-17,677
-17,273
-36,266
-17,273
-55,814
-17,273
-76,370
-17,273
-97,987
-17,273
-120,719
-17,273
-144,623
-17,273
-169,760
-17,273
-196,193

Valor Base
441,365
413,568
387,135
361,998
338,094
315,362
293,745
273,189
253,641
235,052
217,375
200,565
184,579
169,378
154,922
141,175
128,102
115,671
103,850
92,608
81,918
71,752
62,084
52,891
44,149
35,836
27,930
20,412
13,263

30 -196,193

-10,524 -17,273

-223,990

6,465

Juros
76,814
87,338
96,499
104,364
110,995
116,454
120,798
124,081
126,357
127,673
128,078
127,615
126,328
124,257
121,440
117,915
113,715
108,873
103,422
97,391
90,809
83,702
76,097
68,017
59,487
50,527
41,160
31,406
21,282

Valor do bem
Cumulado
518,179
500,906
483,634
466,361
449,089
431,816
414,543
397,271
379,998
362,725
345,453
328,180
310,907
293,635
276,362
259,090
241,817
224,544
207,272
189,999
172,726
155,454
138,181
120,908
103,636
86,363
69,091
51,818
34,545

Pg Valor Base
6,465
6,798
7,149
7,518
7,906
8,313
8,742
9,193
9,667
10,166
10,690
11,242
11,822
12,431
13,073
13,747
14,456
15,202
15,986
16,810
17,677
18,589
19,548
20,556
21,617
22,732
23,904
25,137
26,434

Pg Juros
Pg Valor Base
Emprestimo
Acumulado
Acumulado
Pg Juros
6,465
10,808
10,808
13,263
10,474
21,282
20,412
10,124
31,406
27,930
9,755
41,160
35,836
9,367
50,527
44,149
8,959
59,487
52,891
8,530
68,017
62,084
8,080
76,097
71,752
7,605
83,702
81,918
7,107
90,809
92,608
6,582
97,391
103,850
6,031
103,422
115,671
5,451
108,873
128,102
4,841
113,715
141,175
4,200
117,915
154,922
3,526
121,440
169,378
2,817
124,257
184,579
2,071
126,328
200,565
1,287
127,615
217,375
462
128,078
235,052
-405
127,673
253,641
-1,316
126,357
273,189
-2,275
124,081
293,745
-3,284
120,798
315,362
-4,344
116,454
338,094
-5,459
110,995
361,998
-6,631
104,364
387,135
-7,864
96,499
413,568
-9,161
87,338

10,808

17,273

27,797

441,365

-10,524

76,814

1,100 Base Mensal

Pg Total
17,273
17,273
17,273
17,273
17,273
17,273
17,273
17,273
17,273
17,273
17,273
17,273
17,273
17,273
17,273
17,273
17,273
17,273
17,273
17,273
17,273
17,273
17,273
17,273
17,273
17,273
17,273
17,273
17,273

Pg Total
Acumulado
17,273
34,545
51,818
69,091
86,363
103,636
120,908
138,181
155,454
172,726
189,999
207,272
224,544
241,817
259,090
276,362
293,635
310,907
328,180
345,453
362,725
379,998
397,271
414,543
431,816
449,089
466,361
483,634
500,906

Ref Aluguel
13,200
13,865
14,564
15,298
16,069
16,879
17,730
18,623
19,562
20,548
21,583
22,671
23,814
25,014
26,275
27,599
28,990
30,451
31,986
33,598
35,291
37,070
38,938
40,901
42,962
45,128
47,402
49,791
52,301

Aluguel
Acumulado
13,200
27,065
41,629
56,927
72,997
89,876
107,605
126,229
145,791
166,338
187,922
210,593
234,407
259,421
285,696
313,295
342,285
372,736
404,722
438,320
473,612
510,682
549,620
590,521
633,483
678,611
726,013
775,804
828,104

Aluguel x Juros
2,392
3,391
4,441
5,543
6,702
7,920
9,199
10,544
11,957
13,441
15,001
16,640
18,363
20,173
22,075
24,073
26,173
28,380
30,699
33,136
35,696
38,386
41,214
44,184
47,306
50,586
54,033
57,655
61,461

Aluguel vs Juros
"Perda" Acumulada
2,392
5,783
10,224
15,767
22,469
30,389
39,588
50,132
62,089
75,530
90,531
107,171
125,534
145,707
167,781
191,855
218,028
246,408
277,107
310,243
345,939
384,325
425,539
469,723
517,029
567,616
621,649
679,304
740,766

17,273

518,179

54,936

883,041

65,461

806,227

-150 Base Mensal

Condominium
-1,800
-1,891
-1,986
-2,086
-2,191
-2,302
-2,418
-2,540
-2,668
-2,802
-2,943
-3,092
-3,247
-3,411
-3,583
-3,764
-3,953
-4,152
-4,362
-4,582
-4,812
-5,055
-5,310
-5,577
-5,858
-6,154
-6,464
-6,790
-7,132

-1,800
-3,691
-5,677
-7,763
-9,954
-12,256
-14,673
-17,213
-19,881
-22,683
-25,626
-28,717
-31,965
-35,376
-38,959
-42,722
-46,675
-50,828
-55,189
-59,771
-64,583
-69,638
-74,948
-80,526
-86,384
-92,538
-99,002
-105,791
-112,923

2%

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29

Valorizaca
Valor da o do
Casa
Imovel
Montante Pago Valor a Pagar
250,000
0%
17,273
210,910
255,000
2%
34,545
204,112
260,100
4%
51,818
196,963
265,302
6%
69,091
189,445
270,608
8%
86,363
181,539
276,020
10%
103,636
173,226
281,541
13%
120,908
164,484
287,171
15%
138,181
155,291
292,915
17%
155,454
145,623
298,773
20%
172,726
135,457
304,749
22%
189,999
124,767
310,844
24%
207,272
113,525
317,060
27%
224,544
101,704
323,402
29%
241,817
89,273
329,870
32%
259,090
76,200
336,467
35%
276,362
62,453
343,196
37%
293,635
47,997
350,060
40%
310,907
32,796
357,062
43%
328,180
16,810
364,203
46%
345,453
0
371,487
49%
362,725
-17,677
378,917
52%
379,998
-36,266
386,495
55%
397,271
-55,814
394,225
58%
414,543
-76,370
402,109
61%
431,816
-97,987
410,151
64%
449,089
-120,719
418,355
67%
466,361
-144,623
426,722
71%
483,634
-169,760
435,256
74%
500,906
-196,193

-7,491

-120,415

30 443,961

78%

518,179

-223,990

45 -> 174
50 -> 189
55 -> 181

3%

Adiantamento
67,375
69,059
70,786
72,556
74,369
76,229
78,134
80,088
82,090
84,142
86,246
88,402
90,612
92,877
95,199
97,579
100,019
102,519
105,082
107,709
110,402
113,162
115,991
118,891
121,863
124,909
128,032
131,233
134,514

"Retorno" s/
vs Aluguel
Investimento
+$Casa +$Casa - Saldo Dev - Saldo Dev $ adiant
$ Aluguel
-28,285 -41,485
-18,171 -45,236
-7,649 -49,278
3,302 -53,626
14,699 -58,297
26,566 -63,310
38,923 -68,683
51,793 -74,436
65,202 -80,589
79,174 -87,165
93,736 -94,186
108,916 -101,677
124,745 -109,662
141,252 -118,169
158,470 -127,226
176,435 -136,860
195,180 -147,105
214,745 -157,991
235,169 -169,553
256,494 -181,827
278,762 -194,849
302,021 -208,661
326,318 -223,302
351,705 -238,816
378,233 -255,250
405,961 -272,650
434,945 -291,068
465,248 -310,556
496,935 -331,169

13,200
27,065
41,629
56,927
72,997
89,876
107,605
126,229
145,791
166,338
187,922
210,593
234,407
259,421
285,696
313,295
342,285
372,736
404,722
438,320
473,612
510,682
549,620
590,521
633,483
678,611
726,013
775,804
828,104

Valor no
Bolso
39,090
50,888
63,137
75,857
89,069
102,794
117,057
131,881
147,291
163,316
179,981
197,318
215,357
234,129
253,670
274,014
295,199
317,265
340,251
364,203
389,164
415,183
442,309
470,595
500,096
530,870
562,977
596,481
631,449

137,877

530,075 -352,966 883,041

667,951