Apresentação Modalidades Deni

Preço 111,111 VPL 100,000
Sinal -11,111 10% TIR 0.70%

Saldo Devedor 100,000
Taxa Juros 0.70% ao mês Desembolsos
Prazo 120 meses Juros 42,350
Principal 100,000
SAC PRESTAÇÃO (Juros + Principal) Total 142,350
Amortiz.de
N Prestação Juros Sd devedor TT+ Sinal 153,461
Principal
0 100,000 100,000
1 -1,533 -700 -833 99,167
2 -1,527 -694 -833 98,333
3 -1,522 -688 -833 97,500
4 -1,516 -682 -833 96,667
5 -1,510 -677 -833 95,833
6 -1,504 -671 -833 95,000
7 -1,498 -665 -833 94,167
8 -1,492 -659 -833 93,333
9 -1,487 -653 -833 92,500
10 -1,481 -647 -833 91,667
11 -1,475 -642 -833 90,833 Desembolso Juros
12 -1,469 -636 -833 90,000 -18,015 -8,015
13 -1,463 -630 -833 89,167 44%
14 -1,457 -624 -833 88,333
15 -1,452 -618 -833 87,500
16 -1,446 -612 -833 86,667
17 -1,440 -607 -833 85,833
18 -1,434 -601 -833 85,000
19 -1,428 -595 -833 84,167
20 -1,422 -589 -833 83,333
21 -1,417 -583 -833 82,500
22 -1,411 -577 -833 81,667
24 -1,399 -566 -833 80,000 -35,190 -15,190
25 -1,393 -560 -833 79,167 43%
26 -1,387 -554 -833 78,333
27 -1,382 -548 -833 77,500
28 -1,376 -542 -833 76,667
29 -1,370 -537 -833 75,833
30 -1,364 -531 -833 75,000
31 -1,358 -525 -833 74,167
32 -1,352 -519 -833 73,333
33 -1,347 -513 -833 72,500
34 -1,341 -507 -833 71,667
36 -1,329 -496 -833 70,000 -51,525 -21,525
37 -1,323 -490 -833 69,167 42%
38 -1,317 -484 -833 68,333
39 -1,312 -478 -833 67,500
40 -1,306 -472 -833 66,667
41 -1,300 -467 -833 65,833
42 -1,294 -461 -833 65,000
43 -1,288 -455 -833 64,167
44 -1,282 -449 -833 63,333
45 -1,277 -443 -833 62,500
46 -1,271 -437 -833 61,667
48 -1,259 -426 -833 60,000 -67,020 -27,020
49 -1,253 -420 -833 59,167 40%
50 -1,247 -414 -833 58,333
51 -1,242 -408 -833 57,500
52 -1,236 -402 -833 56,667
53 -1,230 -397 -833 55,833
54 -1,224 -391 -833 55,000
55 -1,218 -385 -833 54,167
56 -1,212 -379 -833 53,333
57 -1,207 -373 -833 52,500
58 -1,201 -367 -833 51,667
60 -1,189 -356 -833 50,000 -81,675 -31,675
61 -1,183 -350 -833 49,167 39%
62 -1,177 -344 -833 48,333
63 -1,172 -338 -833 47,500
64 -1,166 -332 -833 46,667
65 -1,160 -327 -833 45,833
66 -1,154 -321 -833 45,000
67 -1,148 -315 -833 44,167
68 -1,142 -309 -833 43,333
69 -1,137 -303 -833 42,500
70 -1,131 -297 -833 41,667
72 -1,119 -286 -833 40,000 -95,490 -35,490
73 -1,113 -280 -833 39,167 37%
74 -1,107 -274 -833 38,333
75 -1,102 -268 -833 37,500
76 -1,096 -262 -833 36,667
77 -1,090 -257 -833 35,833
78 -1,084 -251 -833 35,000
79 -1,078 -245 -833 34,167
80 -1,072 -239 -833 33,333
81 -1,067 -233 -833 32,500
82 -1,061 -227 -833 31,667
84 -1,049 -216 -833 30,000 -108,465 -38,465
85 -1,043 -210 -833 29,167 35%
86 -1,037 -204 -833 28,333
87 -1,032 -198 -833 27,500
88 -1,026 -192 -833 26,667
89 -1,020 -187 -833 25,833
90 -1,014 -181 -833 25,000
91 -1,008 -175 -833 24,167
92 -1,002 -169 -833 23,333
93 -997 -163 -833 22,500
94 -991 -157 -833 21,667
95 -985 -152 -833 20,833 Desembolso Juros
96 -979 -146 -833 20,000 -120,600 -40,600
97 -973 -140 -833 19,167 34%
98 -967 -134 -833 18,333
99 -962 -128 -833 17,500
100 -956 -122 -833 16,667
101 -950 -117 -833 15,833
102 -944 -111 -833 15,000
103 -938 -105 -833 14,167
104 -932 -99 -833 13,333
105 -927 -93 -833 12,500
106 -921 -87 -833 11,667
108 -909 -76 -833 10,000 -131,895 -41,895
109 -903 -70 -833 9,167 32%
110 -897 -64 -833 8,333
111 -892 -58 -833 7,500
112 -886 -52 -833 6,667
113 -880 -47 -833 5,833
114 -874 -41 -833 5,000
115 -868 -35 -833 4,167
116 -862 -29 -833 3,333
117 -857 -23 -833 2,500
118 -851 -17 -833 1,667
119 -845 -12 -833 833 Desembolso Juros
120 -839 -6 -833 0 -142,350 -42,350
30%
-142,350 -42,350 -100,000
Preço 111,111 VPL
Sinal -11,111 10% TIR
Prazo 120 meses Juros
Principal
PRICE PRESTAÇÃO (Juros + Principal) Total
Amortiz.de
N Prestação Juros Sd devedor TT+ Sinal
Principal
0 100,000 100,000
1 -1,235 -700 -535 99,465
2 -1,235 -696 -538 98,927
3 -1,235 -692 -542 98,385
4 -1,235 -689 -546 97,839
5 -1,235 -685 -550 97,290
6 -1,235 -681 -553 96,736
7 -1,235 -677 -557 96,179
8 -1,235 -673 -561 95,618
9 -1,235 -669 -565 95,052
10 -1,235 -665 -569 94,483
Principal 11 -1,235 -661 -573 93,910 Desembolso
-10,000 12 -1,235 -657 -577 93,333 -14,814
56% 13 -1,235 -653 -581 92,752
14 -1,235 -649 -585 92,167
15 -1,235 -645 -589 91,577
16 -1,235 -641 -593 90,984
17 -1,235 -637 -598 90,386
18 -1,235 -633 -602 89,784
19 -1,235 -628 -606 89,178
20 -1,235 -624 -610 88,568
21 -1,235 -620 -615 87,953
22 -1,235 -616 -619 87,335
-20,000 24 -1,235 -607 -628 86,084 -29,628
57% 25 -1,235 -603 -632 85,452
26 -1,235 -598 -636 84,816
27 -1,235 -594 -641 84,175
28 -1,235 -589 -645 83,530
29 -1,235 -585 -650 82,880
30 -1,235 -580 -654 82,225
31 -1,235 -576 -659 81,566
32 -1,235 -571 -664 80,903
33 -1,235 -566 -668 80,235
34 -1,235 -562 -673 79,562
-30,000 36 -1,235 -552 -682 78,202 -44,443
58% 37 -1,235 -547 -687 77,515
38 -1,235 -543 -692 76,823
39 -1,235 -538 -697 76,126
40 -1,235 -533 -702 75,425
41 -1,235 -528 -707 74,718
42 -1,235 -523 -711 74,007
43 -1,235 -518 -716 73,290
44 -1,235 -513 -721 72,569
45 -1,235 -508 -727 71,842
46 -1,235 -503 -732 71,110
-40,000 48 -1,235 -493 -742 69,632 -59,257
60% 49 -1,235 -487 -747 68,885
50 -1,235 -482 -752 68,132
51 -1,235 -477 -758 67,375
52 -1,235 -472 -763 66,612
53 -1,235 -466 -768 65,844
54 -1,235 -461 -774 65,070
55 -1,235 -455 -779 64,291
56 -1,235 -450 -784 63,507
57 -1,235 -445 -790 62,717
58 -1,235 -439 -795 61,921
-50,000 60 -1,235 -428 -807 60,313 -74,071
61% 61 -1,235 -422 -812 59,501
62 -1,235 -417 -818 58,683
63 -1,235 -411 -824 57,859
64 -1,235 -405 -830 57,030
65 -1,235 -399 -835 56,194
66 -1,235 -393 -841 55,353
67 -1,235 -387 -847 54,506
68 -1,235 -382 -853 53,653
69 -1,235 -376 -859 52,794
70 -1,235 -370 -865 51,929
-60,000 72 -1,235 -357 -877 50,181 -88,885
63% 73 -1,235 -351 -883 49,298
74 -1,235 -345 -889 48,409
75 -1,235 -339 -896 47,513
76 -1,235 -333 -902 46,611
77 -1,235 -326 -908 45,703
78 -1,235 -320 -915 44,788
79 -1,235 -314 -921 43,867
80 -1,235 -307 -927 42,940
81 -1,235 -301 -934 42,006
82 -1,235 -294 -940 41,065
-70,000 84 -1,235 -281 -954 39,165 -103,699
65% 85 -1,235 -274 -960 38,204
86 -1,235 -267 -967 37,237
87 -1,235 -261 -974 36,263
88 -1,235 -254 -981 35,283
89 -1,235 -247 -988 34,295
90 -1,235 -240 -994 33,301
91 -1,235 -233 -1,001 32,299
92 -1,235 -226 -1,008 31,291
93 -1,235 -219 -1,015 30,275
94 -1,235 -212 -1,023 29,253
Principal 95 -1,235 -205 -1,030 28,223 Desembolso
-80,000 96 -1,235 -198 -1,037 27,186 -118,513
66% 97 -1,235 -190 -1,044 26,142
98 -1,235 -183 -1,052 25,090
99 -1,235 -176 -1,059 24,031
100 -1,235 -168 -1,066 22,965
101 -1,235 -161 -1,074 21,891
102 -1,235 -153 -1,081 20,810
103 -1,235 -146 -1,089 19,721
104 -1,235 -138 -1,096 18,625
105 -1,235 -130 -1,104 17,521
106 -1,235 -123 -1,112 16,409
-90,000 108 -1,235 -107 -1,127 14,162 -133,328
68% 109 -1,235 -99 -1,135 13,026
110 -1,235 -91 -1,143 11,883
111 -1,235 -83 -1,151 10,732
112 -1,235 -75 -1,159 9,572
113 -1,235 -67 -1,168 8,405
114 -1,235 -59 -1,176 7,229
115 -1,235 -51 -1,184 6,045
116 -1,235 -42 -1,192 4,853
117 -1,235 -34 -1,201 3,652
118 -1,235 -26 -1,209 2,443
-100,000 120 -1,235 -9 -1,226 0 -148,142
70%
-148,142 -48,142 -100,000
100,000 Preço 111,111
0.70% Sinal -11,111 10%
Taxa Juros 0.70% ao mês
48,142 Prazo 120 meses
100,000
148,142 SACOC PRESTAÇÃO (Juros + Principal)
Amortiz.de
159,253 N Prestação Juros Sd devedor
Principal
0 100,000 100,000
1 -839 -700 -139 99,861
2 -845 -699 -146 99,715
3 -851 -698 -153 99,562
4 -857 -697 -160 99,402
5 -863 -696 -167 99,235
6 -869 -695 -174 99,060
7 -875 -693 -182 98,879
8 -881 -692 -189 98,690
9 -887 -691 -196 98,493
10 -894 -689 -204 98,289
Juros Principal 11 -900 -688 -212 98,078
-8,147 -6,667 12 -906 -687 -220 97,858
55% 45% 13 -912 -685 -227 97,631
14 -919 -683 -235 97,395
15 -925 -682 -243 97,152
16 -932 -680 -252 96,900
17 -938 -678 -260 96,640
18 -945 -676 -268 96,372
19 -951 -675 -277 96,095
20 -958 -673 -285 95,809
21 -965 -671 -294 95,515
22 -972 -669 -303 95,212
Juros Principal 23 -978 -666 -312 94,900
-15,712 -13,916 24 -985 -664 -321 94,580
53% 47% 25 -992 -662 -330 94,250
26 -999 -660 -339 93,910
27 -1,006 -657 -349 93,562
28 -1,013 -655 -358 93,203
29 -1,020 -652 -368 92,836
30 -1,027 -650 -377 92,458
31 -1,035 -647 -387 92,071
32 -1,042 -644 -397 91,674
33 -1,049 -642 -407 91,266
34 -1,056 -639 -418 90,849
Juros Principal 35 -1,064 -636 -428 90,421
-22,644 -21,798 36 -1,071 -633 -438 89,983
51% 49% 37 -1,079 -630 -449 89,534
38 -1,086 -627 -460 89,074
39 -1,094 -624 -470 88,604
40 -1,102 -620 -481 88,123
41 -1,109 -617 -492 87,630
42 -1,117 -613 -504 87,127
43 -1,125 -610 -515 86,612
44 -1,133 -606 -526 86,085
45 -1,141 -603 -538 85,547
46 -1,149 -599 -550 84,997
Juros Principal 47 -1,157 -595 -562 84,436
-28,888 -30,368 48 -1,165 -591 -574 83,862
49% 51% 49 -1,173 -587 -586 83,276
50 -1,181 -583 -598 82,678
51 -1,189 -579 -611 82,067
52 -1,198 -574 -623 81,444
53 -1,206 -570 -636 80,808
54 -1,215 -566 -649 80,159
55 -1,223 -561 -662 79,497
56 -1,232 -556 -675 78,822
57 -1,240 -552 -688 78,134
58 -1,249 -547 -702 77,432
Juros Principal 59 -1,258 -542 -716 76,716
-34,384 -39,687 60 -1,266 -537 -729 75,987
46% 54% 61 -1,275 -532 -743 75,243
62 -1,284 -527 -758 74,486
63 -1,293 -521 -772 73,714
64 -1,302 -516 -786 72,928
65 -1,311 -510 -801 72,127
66 -1,321 -505 -816 71,311
67 -1,330 -499 -831 70,481
68 -1,339 -493 -846 69,635
69 -1,349 -487 -861 68,774
70 -1,358 -481 -877 67,897
Juros Principal 71 -1,367 -475 -892 67,005
-39,066 -49,819 72 -1,377 -469 -908 66,097
44% 56% 73 -1,387 -463 -924 65,173
74 -1,396 -456 -940 64,233
75 -1,406 -450 -957 63,276
76 -1,416 -443 -973 62,303
77 -1,426 -436 -990 61,314
78 -1,436 -429 -1,007 60,307
79 -1,446 -422 -1,024 59,283
80 -1,456 -415 -1,041 58,242
81 -1,466 -408 -1,059 57,183
82 -1,477 -400 -1,076 56,107
Juros Principal 83 -1,487 -393 -1,094 55,013
-42,864 -60,835 84 -1,497 -385 -1,112 53,901
41% 59% 85 -1,508 -377 -1,130 52,771
86 -1,518 -369 -1,149 51,622
87 -1,529 -361 -1,168 50,454
88 -1,540 -353 -1,186 49,268
89 -1,550 -345 -1,206 48,062
90 -1,561 -336 -1,225 46,837
91 -1,572 -328 -1,244 45,593
92 -1,583 -319 -1,264 44,329
93 -1,594 -310 -1,284 43,045
94 -1,605 -301 -1,304 41,741
Juros Principal 95 -1,617 -292 -1,324 40,416
-45,699 -72,814 96 -1,628 -283 -1,345 39,071
39% 61% 97 -1,639 -273 -1,366 37,706
98 -1,651 -264 -1,387 36,319
99 -1,662 -254 -1,408 34,910
100 -1,674 -244 -1,430 33,481
101 -1,686 -234 -1,451 32,029
102 -1,698 -224 -1,473 30,556
103 -1,709 -214 -1,496 29,061
104 -1,721 -203 -1,518 27,543
105 -1,733 -193 -1,541 26,002
106 -1,746 -182 -1,564 24,438
Juros Principal 107 -1,758 -171 -1,587 22,852
-47,489 -85,838 108 -1,770 -160 -1,610 21,241
36% 64% 109 -1,783 -149 -1,634 19,608
110 -1,795 -137 -1,658 17,950
111 -1,808 -126 -1,682 16,268
112 -1,820 -114 -1,706 14,562
113 -1,833 -102 -1,731 12,831
114 -1,846 -90 -1,756 11,075
115 -1,859 -78 -1,781 9,293
116 -1,872 -65 -1,807 7,487
117 -1,885 -52 -1,832 5,654
118 -1,898 -40 -1,858 3,796
Juros Principal 119 -1,911 -27 -1,885 1,911
-48,142 -100,000 120 -1,925 -13 -1,911 0
32% 68%
-156,996 -56,996 -100,000
VPL 100,000
TIR 0.70%
Desembolsos
Juros 56,996
Principal 100,000
Total 156,996
TT+ Sinal 168,107
Desembolso Juros Principal

-10,467 -8,325 -2,142
80% 20%

-21,848 -16,427 -5,420
75% 25%

-34,222 -24,205 -10,017
71% 29%

-47,677 -31,539 -16,138
66% 34%

-62,306 -38,293 -24,013
61% 39%

-78,213 -44,310 -33,903
57% 43%
-95,509 -49,410 -46,099
52% 48%

-114,315 -53,386 -60,929
47% 53%

-134,763 -56,004 -78,759
42% 58%

-156,996 -56,996 -100,000
36% 64%
Quadro comparativo
Quanto à Parcela Mês 1 Mês 12 Mês 24 Mês 36 Mês 48 Mês 60 Mês 72

SAC 1,533 1,469 1,399 1,329 1,259 1,189 1,119
PRICE 1,235 1,235 1,235 1,235 1,235 1,235 1,235
SACOC 839 906 985 1,071 1,165 1,266 1,377
Quanto ao Desembolso Mês 1 Mês 12 Mês 24 Mês 36 Mês 48 Mês 60 Mês 72

SAC 1,533 18,015 35,190 51,525 67,020 81,675 95,490
PRICE 1,235 14,814 29,628 44,443 59,257 74,071 88,885
SACOC 839 10,467 21,848 34,222 47,677 62,306 78,213
Quanto aos Juros Mês 1 Mês 12 Mês 24 Mês 36 Mês 48 Mês 60 Mês 72
SAC 700 8,015 15,190 21,525 27,020 31,675 35,490
PRICE 700 8,147 15,712 22,644 28,888 34,384 39,066
SACOC 700 8,325 16,427 24,205 31,539 38,293 44,310
Quanto ao Sdevedor Mês 1 Mês 12 Mês 24 Mês 36 Mês 48 Mês 60 Mês 72

SAC 99,167 90,000 80,000 70,000 60,000 50,000 40,000
PRICE 99,465 93,333 86,084 78,202 69,632 60,313 50,181
SACOC 99,861 97,858 94,580 89,983 83,862 75,987 66,097
Quanto está saindo o lote considerando o que já pagou de juros + principal + sinal + a liquidação do saldo devedor na respe
Mês 12 Mês 24 Mês 36 Mês 48 Mês 60 Mês 72

SAC 119,126 126,301 132,636 138,131 142,786 146,601
PRICE 119,258 126,823 133,756 140,000 145,495 150,177
SACOC 119,436 127,538 135,316 142,650 149,404 155,422
Mês 84 Mês 96 Mês 108 Mês 120 Obs
1,049 979 909 839 Amort.Constantes e Parcelas Decrescentes
1,235 1,235 1,235 1,235 Amort.Crescentes e Parcelas Iguais
1,497 1,628 1,770 1,925 Amort.Crescentes e Parcelas Crescentes

108,465 120,600 131,895 142,350 Amort.Constantes e Parcelas Decrescentes

38,465 40,600 41,895 42,350 Amort.Constantes e Parcelas Decrescentes

30,000 20,000 10,000 0 Amort.Constantes e Parcelas Decrescentes
39,165 27,186 14,162 0 Amort.Crescentes e Parcelas Iguais
53,901 39,071 21,241 0 Amort.Crescentes e Parcelas Crescentes
aldo devedor na respectiva data?
Mês 84 Mês 96 Mês 108 Mês 120

149,576 151,711 153,006 153,461
153,975 156,811 158,600 159,253
160,521 164,498 167,115 168,107
Preço 111,111 VPL 100,000
Sinal -11,111 10% TIR 0.70%
Principal 100,000
Amortiz.de
Principal
0 100,000 100,000
1 -1,394 -700 -694 99,306
2 -1,390 -695 -694 98,611
3 -1,385 -690 -694 97,917
4 -1,380 -685 -694 97,222
5 -1,375 -681 -694 96,528
6 -1,370 -676 -694 95,833
7 -1,365 -671 -694 95,139
8 -1,360 -666 -694 94,444
9 -1,356 -661 -694 93,750
10 -1,351 -656 -694 93,056
12 -1,341 -647 -694 91,667 -16,412 -8,079
13 -1,336 -642 -694 90,972 49%
14 -1,331 -637 -694 90,278
15 -1,326 -632 -694 89,583
16 -1,322 -627 -694 88,889
17 -1,317 -622 -694 88,194
18 -1,312 -617 -694 87,500
19 -1,307 -612 -694 86,806
20 -1,302 -608 -694 86,111
21 -1,297 -603 -694 85,417
22 -1,292 -598 -694 84,722
24 -1,283 -588 -694 83,333 -32,125 -15,458
25 -1,278 -583 -694 82,639 48%
26 -1,273 -578 -694 81,944
27 -1,268 -574 -694 81,250
28 -1,263 -569 -694 80,556
29 -1,258 -564 -694 79,861
30 -1,253 -559 -694 79,167
31 -1,249 -554 -694 78,472
32 -1,244 -549 -694 77,778
33 -1,239 -544 -694 77,083
34 -1,234 -540 -694 76,389
36 -1,224 -530 -694 75,000 -47,137 -22,137
37 -1,219 -525 -694 74,306 47%
38 -1,215 -520 -694 73,611
39 -1,210 -515 -694 72,917
40 -1,205 -510 -694 72,222
41 -1,200 -506 -694 71,528
42 -1,195 -501 -694 70,833
43 -1,190 -496 -694 70,139
44 -1,185 -491 -694 69,444
45 -1,181 -486 -694 68,750
46 -1,176 -481 -694 68,056
48 -1,166 -472 -694 66,667 -61,450 -28,117
49 -1,161 -467 -694 65,972 46%
50 -1,156 -462 -694 65,278
51 -1,151 -457 -694 64,583
52 -1,147 -452 -694 63,889
53 -1,142 -447 -694 63,194
54 -1,137 -442 -694 62,500
55 -1,132 -437 -694 61,806
56 -1,127 -433 -694 61,111
57 -1,122 -428 -694 60,417
58 -1,117 -423 -694 59,722
60 -1,108 -413 -694 58,333 -75,062 -33,396
61 -1,103 -408 -694 57,639 44%
62 -1,098 -403 -694 56,944
63 -1,093 -399 -694 56,250
64 -1,088 -394 -694 55,556
65 -1,083 -389 -694 54,861
66 -1,078 -384 -694 54,167
67 -1,074 -379 -694 53,472
68 -1,069 -374 -694 52,778
69 -1,064 -369 -694 52,083
70 -1,059 -365 -694 51,389
72 -1,049 -355 -694 50,000 -87,975 -37,975
73 -1,044 -350 -694 49,306 43%
74 -1,040 -345 -694 48,611
75 -1,035 -340 -694 47,917
76 -1,030 -335 -694 47,222
77 -1,025 -331 -694 46,528
78 -1,020 -326 -694 45,833
79 -1,015 -321 -694 45,139
80 -1,010 -316 -694 44,444
81 -1,006 -311 -694 43,750
82 -1,001 -306 -694 43,056
84 -991 -297 -694 41,667 -100,187 -41,854
85 -986 -292 -694 40,972 42%
86 -981 -287 -694 40,278
87 -976 -282 -694 39,583
88 -972 -277 -694 38,889
89 -967 -272 -694 38,194
90 -962 -267 -694 37,500
91 -957 -262 -694 36,806
92 -952 -258 -694 36,111
93 -947 -253 -694 35,417
94 -942 -248 -694 34,722
96 -933 -238 -694 33,333 -111,700 -45,033
97 -928 -233 -694 32,639 40%
98 -923 -228 -694 31,944
99 -918 -224 -694 31,250
100 -913 -219 -694 30,556
101 -908 -214 -694 29,861
102 -903 -209 -694 29,167
103 -899 -204 -694 28,472
104 -894 -199 -694 27,778
105 -889 -194 -694 27,083
106 -884 -190 -694 26,389
108 -874 -180 -694 25,000 -122,512 -47,512
109 -869 -175 -694 24,306 39%
110 -865 -170 -694 23,611
111 -860 -165 -694 22,917
112 -855 -160 -694 22,222
113 -850 -156 -694 21,528
114 -845 -151 -694 20,833
115 -840 -146 -694 20,139
116 -835 -141 -694 19,444
117 -831 -136 -694 18,750
118 -826 -131 -694 18,056
120 -816 -122 -694 16,667 -132,625 -49,292
121 -811 -117 -694 15,972 37%
122 -806 -112 -694 15,278
123 -801 -107 -694 14,583
124 -797 -102 -694 13,889
125 -792 -97 -694 13,194
126 -787 -92 -694 12,500
127 -782 -87 -694 11,806
128 -777 -83 -694 11,111
129 -772 -78 -694 10,417
130 -767 -73 -694 9,722
132 -758 -63 -694 8,333 -142,037 -50,371
133 -753 -58 -694 7,639 35%
134 -748 -53 -694 6,944
135 -743 -49 -694 6,250
136 -738 -44 -694 5,556
137 -733 -39 -694 4,861
138 -728 -34 -694 4,167
139 -724 -29 -694 3,472
140 -719 -24 -694 2,778
141 -714 -19 -694 2,083
142 -709 -15 -694 1,389
144 -699 -5 -694 -0 -150,750 -50,750
34%
-150,750 -50,750 -100,000
Preço 111,111 VPL
Sinal -11,111 10% TIR
Principal
Amortiz.de
Principal
0 100,000 100,000
1 -1,105 -700 -405 99,595
2 -1,105 -697 -407 99,188
3 -1,105 -694 -410 98,778
4 -1,105 -691 -413 98,365
5 -1,105 -689 -416 97,949
6 -1,105 -686 -419 97,530
7 -1,105 -683 -422 97,108
8 -1,105 -680 -425 96,684
9 -1,105 -677 -428 96,256
10 -1,105 -674 -431 95,825
-8,333 12 -1,105 -668 -437 94,955 -13,254
51% 13 -1,105 -665 -440 94,515
14 -1,105 -662 -443 94,072
15 -1,105 -659 -446 93,626
16 -1,105 -655 -449 93,177
17 -1,105 -652 -452 92,725
18 -1,105 -649 -455 92,269
19 -1,105 -646 -459 91,810
20 -1,105 -643 -462 91,349
21 -1,105 -639 -465 90,884
22 -1,105 -636 -468 90,415
-16,667 24 -1,105 -630 -475 89,469 -26,508
52% 25 -1,105 -626 -478 88,991
26 -1,105 -623 -482 88,509
27 -1,105 -620 -485 88,024
28 -1,105 -616 -488 87,536
29 -1,105 -613 -492 87,044
30 -1,105 -609 -495 86,549
31 -1,105 -606 -499 86,050
32 -1,105 -602 -502 85,548
33 -1,105 -599 -506 85,042
34 -1,105 -595 -509 84,533
-25,000 36 -1,105 -588 -516 83,504 -39,762
53% 37 -1,105 -585 -520 82,984
38 -1,105 -581 -524 82,460
39 -1,105 -577 -527 81,933
40 -1,105 -574 -531 81,402
41 -1,105 -570 -535 80,867
42 -1,105 -566 -538 80,329
43 -1,105 -562 -542 79,787
44 -1,105 -559 -546 79,241
45 -1,105 -555 -550 78,691
46 -1,105 -551 -554 78,137
-33,333 48 -1,105 -543 -561 77,018 -53,016
54% 49 -1,105 -539 -565 76,453
50 -1,105 -535 -569 75,884
51 -1,105 -531 -573 75,310
52 -1,105 -527 -577 74,733
53 -1,105 -523 -581 74,151
54 -1,105 -519 -585 73,566
55 -1,105 -515 -590 72,976
56 -1,105 -511 -594 72,383
57 -1,105 -507 -598 71,785
58 -1,105 -502 -602 71,183
-41,667 60 -1,105 -494 -610 69,966 -66,270
56% 61 -1,105 -490 -615 69,352
62 -1,105 -485 -619 68,733
63 -1,105 -481 -623 68,109
64 -1,105 -477 -628 67,481
65 -1,105 -472 -632 66,849
66 -1,105 -468 -637 66,213
67 -1,105 -463 -641 65,572
68 -1,105 -459 -646 64,926
69 -1,105 -454 -650 64,276
70 -1,105 -450 -655 63,622
-50,000 72 -1,105 -441 -664 62,299 -79,524
57% 73 -1,105 -436 -668 61,630
74 -1,105 -431 -673 60,957
75 -1,105 -427 -678 60,279
76 -1,105 -422 -683 59,597
77 -1,105 -417 -687 58,909
78 -1,105 -412 -692 58,217
79 -1,105 -408 -697 57,520
80 -1,105 -403 -702 56,818
81 -1,105 -398 -707 56,112
82 -1,105 -393 -712 55,400
-58,333 84 -1,105 -383 -722 53,962 -92,778
58% 85 -1,105 -378 -727 53,235
86 -1,105 -373 -732 52,503
87 -1,105 -368 -737 51,766
88 -1,105 -362 -742 51,024
89 -1,105 -357 -747 50,276
90 -1,105 -352 -753 49,524
91 -1,105 -347 -758 48,766
92 -1,105 -341 -763 48,003
93 -1,105 -336 -768 47,234
94 -1,105 -331 -774 46,461
-66,667 96 -1,105 -320 -785 44,897 -106,032
60% 97 -1,105 -314 -790 44,106
98 -1,105 -309 -796 43,311
99 -1,105 -303 -801 42,509
100 -1,105 -298 -807 41,702
101 -1,105 -292 -813 40,890
102 -1,105 -286 -818 40,071
103 -1,105 -280 -824 39,247
104 -1,105 -275 -830 38,418
105 -1,105 -269 -836 37,582
106 -1,105 -263 -841 36,741
-75,000 108 -1,105 -251 -853 35,040 -119,287
61% 109 -1,105 -245 -859 34,181
110 -1,105 -239 -865 33,316
111 -1,105 -233 -871 32,444
112 -1,105 -227 -877 31,567
113 -1,105 -221 -884 30,683
114 -1,105 -215 -890 29,794
115 -1,105 -209 -896 28,898
116 -1,105 -202 -902 27,995
117 -1,105 -196 -909 27,087
118 -1,105 -190 -915 26,172
-83,333 120 -1,105 -177 -928 24,323 -132,541
63% 121 -1,105 -170 -934 23,389
122 -1,105 -164 -941 22,448
123 -1,105 -157 -947 21,501
124 -1,105 -151 -954 20,547
125 -1,105 -144 -961 19,586
126 -1,105 -137 -967 18,618
127 -1,105 -130 -974 17,644
128 -1,105 -124 -981 16,663
129 -1,105 -117 -988 15,675
130 -1,105 -110 -995 14,681
-91,667 132 -1,105 -96 -1,009 12,670 -145,795
65% 133 -1,105 -89 -1,016 11,654
134 -1,105 -82 -1,023 10,631
135 -1,105 -74 -1,030 9,601
136 -1,105 -67 -1,037 8,564
137 -1,105 -60 -1,045 7,520
138 -1,105 -53 -1,052 6,468
139 -1,105 -45 -1,059 5,408
140 -1,105 -38 -1,067 4,342
141 -1,105 -30 -1,074 3,268
142 -1,105 -23 -1,082 2,186
-100,000 144 -1,105 -8 -1,097 -0 -159,049
66%
-159,049 -59,049 -100,000
100,000 Preço 111,111
0.70% Sinal -11,111 10%
100,000
Amortiz.de
Principal
0 100,000 100,000
1 -699 -700 1 100,001
2 -704 -700 -4 99,996
3 -709 -700 -9 99,987
4 -714 -700 -14 99,973
5 -719 -700 -19 99,954
6 -724 -700 -24 99,929
7 -729 -700 -30 99,900
8 -734 -699 -35 99,865
9 -739 -699 -40 99,824
10 -745 -699 -46 99,779
Juros Principal 11 -750 -698 -51 99,727
-8,209 -5,045 12 -755 -698 -57 99,670
62% 38% 13 -760 -698 -63 99,607
14 -766 -697 -68 99,539
15 -771 -697 -74 99,465
16 -776 -696 -80 99,385
17 -782 -696 -86 99,298
18 -787 -695 -92 99,206
19 -793 -694 -98 99,108
20 -798 -694 -105 99,003
21 -804 -693 -111 98,892
22 -810 -692 -117 98,775
Juros Principal 23 -815 -691 -124 98,651
-15,977 -10,531 24 -821 -691 -130 98,520
60% 40% 25 -827 -690 -137 98,383
26 -833 -689 -144 98,239
27 -838 -688 -151 98,089
28 -844 -687 -158 97,931
29 -850 -686 -165 97,766
30 -856 -684 -172 97,595
31 -862 -683 -179 97,416
32 -868 -682 -186 97,230
33 -874 -681 -194 97,036
34 -880 -679 -201 96,835
Juros Principal 35 -886 -678 -209 96,626
-23,266 -16,496 36 -893 -676 -216 96,410
59% 41% 37 -899 -675 -224 96,186
38 -905 -673 -232 95,954
39 -912 -672 -240 95,714
40 -918 -670 -248 95,466
41 -924 -668 -256 95,210
42 -931 -666 -264 94,946
43 -937 -665 -273 94,673
44 -944 -663 -281 94,392
45 -951 -661 -290 94,102
46 -957 -659 -298 93,804
Juros Principal 47 -964 -657 -307 93,496
-30,034 -22,982 48 -971 -654 -316 93,180
57% 43% 49 -977 -652 -325 92,855
50 -984 -650 -334 92,521
51 -991 -648 -344 92,177
52 -998 -645 -353 91,824
53 -1,005 -643 -362 91,462
54 -1,012 -640 -372 91,090
55 -1,019 -638 -382 90,709
56 -1,026 -635 -391 90,317
57 -1,034 -632 -401 89,916
58 -1,041 -629 -411 89,505
Juros Principal 59 -1,048 -627 -422 89,083
-36,237 -30,034 60 -1,055 -624 -432 88,651
55% 45% 61 -1,063 -621 -442 88,209
62 -1,070 -617 -453 87,756
63 -1,078 -614 -463 87,293
64 -1,085 -611 -474 86,819
65 -1,093 -608 -485 86,334
66 -1,100 -604 -496 85,838
67 -1,108 -601 -507 85,330
68 -1,116 -597 -519 84,812
69 -1,124 -594 -530 84,281
70 -1,132 -590 -542 83,740
Juros Principal 71 -1,140 -586 -553 83,186
-41,823 -37,701 72 -1,148 -582 -565 82,621
53% 47% 73 -1,156 -578 -577 82,044
74 -1,164 -574 -589 81,455
75 -1,172 -570 -602 80,853
76 -1,180 -566 -614 80,239
77 -1,188 -562 -627 79,613
78 -1,197 -557 -639 78,973
79 -1,205 -553 -652 78,321
80 -1,213 -548 -665 77,656
81 -1,222 -544 -678 76,978
82 -1,230 -539 -692 76,286
Juros Principal 83 -1,239 -534 -705 75,581
-46,740 -46,038 84 -1,248 -529 -719 74,862
50% 50% 85 -1,256 -524 -732 74,130
86 -1,265 -519 -746 73,384
87 -1,274 -514 -760 72,623
88 -1,283 -508 -775 71,849
89 -1,292 -503 -789 71,060
90 -1,301 -497 -804 70,256
91 -1,310 -492 -818 69,438
92 -1,319 -486 -833 68,604
93 -1,329 -480 -848 67,756
94 -1,338 -474 -864 66,893
Juros Principal 95 -1,347 -468 -879 66,014
-50,929 -55,103 96 -1,357 -462 -895 65,119
48% 52% 97 -1,366 -456 -910 64,209
98 -1,376 -449 -926 63,282
99 -1,385 -443 -942 62,340
100 -1,395 -436 -959 61,381
101 -1,405 -430 -975 60,406
102 -1,415 -423 -992 59,415
103 -1,425 -416 -1,009 58,406
104 -1,435 -409 -1,026 57,380
105 -1,445 -402 -1,043 56,337
106 -1,455 -394 -1,060 55,277
Juros Principal 107 -1,465 -387 -1,078 54,199
-54,327 -64,960 108 -1,475 -379 -1,096 53,103
46% 54% 109 -1,485 -372 -1,114 51,990
110 -1,496 -364 -1,132 50,858
111 -1,506 -356 -1,150 49,708
112 -1,517 -348 -1,169 48,539
113 -1,527 -340 -1,188 47,351
114 -1,538 -331 -1,207 46,144
115 -1,549 -323 -1,226 44,918
116 -1,560 -314 -1,245 43,673
117 -1,571 -306 -1,265 42,408
118 -1,582 -297 -1,285 41,123
Juros Principal 119 -1,593 -288 -1,305 39,818
-56,864 -75,677 120 -1,604 -279 -1,325 38,493
43% 57% 121 -1,615 -269 -1,346 37,148
122 -1,626 -260 -1,366 35,781
123 -1,638 -250 -1,387 34,394
124 -1,649 -241 -1,409 32,985
125 -1,661 -231 -1,430 31,555
126 -1,672 -221 -1,452 30,104
127 -1,684 -211 -1,473 28,631
128 -1,696 -200 -1,496 27,135
129 -1,708 -190 -1,518 25,617
130 -1,720 -179 -1,540 24,077
Juros Principal 131 -1,732 -169 -1,563 22,513
-58,465 -87,330 132 -1,744 -158 -1,586 20,927
40% 60% 133 -1,756 -146 -1,610 19,317
134 -1,768 -135 -1,633 17,684
135 -1,781 -124 -1,657 16,027
136 -1,793 -112 -1,681 14,346
137 -1,806 -100 -1,705 12,641
138 -1,818 -88 -1,730 10,911
139 -1,831 -76 -1,755 9,156
140 -1,844 -64 -1,780 7,376
141 -1,857 -52 -1,805 5,571
142 -1,870 -39 -1,831 3,740
Juros Principal 143 -1,883 -26 -1,857 1,883
-59,049 -100,000 144 -1,896 -13 -1,883 0
37% 63%
VPL 100,000
TIR 0.70%
Desembolsos
Juros 72,879
Principal 100,000
Total 172,879
TT+ Sinal 183,990

-8,722 -8,393 -330
96% 4%

-18,206 -16,727 -1,480
92% 8%

-28,518 -24,928 -3,590
87% 13%

-39,731 -32,911 -6,820
83% 17%

-51,922 -40,573 -11,349
78% 22%

-65,178 -47,799 -17,379
73% 27%
-79,591 -54,453 -25,138
68% 32%

-95,262 -60,382 -34,881
63% 37%

-112,302 -65,406 -46,897
58% 42%

-130,830 -69,323 -61,507
53% 47%
-150,975 -71,902 -79,073
48% 52%

-172,879 -72,879 -100,000
42% 58%
Quadro comparativo

SAC 1,394 1,341 1,283 1,224 1,166 1,108 1,049
PRICE 1,105 1,105 1,105 1,105 1,105 1,105 1,105
SACOC 699 755 821 893 971 1,055 1,148

SAC 1,394 16,412 32,125 47,137 61,450 75,062 87,975
PRICE 1,105 13,254 26,508 39,762 53,016 66,270 79,524
SACOC 699 8,722 18,206 28,518 39,731 51,922 65,178
SAC 700 8,079 15,458 22,137 28,117 33,396 37,975
PRICE 700 8,209 15,977 23,266 30,034 36,237 41,823
SACOC 700 8,393 16,727 24,928 32,911 40,573 47,799

SAC 99,306 91,667 83,333 75,000 66,667 58,333 50,000
PRICE 99,595 94,955 89,469 83,504 77,018 69,966 62,299
SACOC 100,001 99,670 98,520 96,410 93,180 88,651 82,621

SAC 119,190 126,569 133,249 139,228 144,507 149,086
PRICE 119,320 127,088 134,377 141,146 147,348 152,934
SACOC 119,504 127,838 136,040 144,022 151,684 158,910
Mês 84 Mês 96 Mês 108 Mês 120 Mês 132 Mês 144 Obs
991 933 874 816 758 699 Amort.Constantes e Parcelas Decrescentes
1,105 1,105 1,105 1,105 1,105 1,105 Amort.Crescentes e Parcelas Iguais
1,248 1,357 1,475 1,604 1,744 1,896 Amort.Crescentes e Parcelas Crescentes
100,187 111,700 122,512 132,625 142,037 150,750 Amort.Constantes e Parcelas Decrescentes
41,854 45,033 47,512 49,292 50,371 50,750 Amort.Constantes e Parcelas Decrescentes
41,667 33,333 25,000 16,667 8,333 -0 Amort.Constantes e Parcelas Decrescentes
53,962 44,897 35,040 24,323 12,670 -0 Amort.Crescentes e Parcelas Iguais
74,862 65,119 53,103 38,493 20,927 0 Amort.Crescentes e Parcelas Crescentes
152,965 156,144 158,624 160,403 161,482 161,861
157,851 162,040 165,438 167,975 169,576 170,160
165,565 171,493 176,517 180,434 183,013 183,990
Preço 111,111 VPL 100,000
Sinal -11,111 10% TIR 0.70%
Principal 100,000
Amortiz.de
Principal
0 100,000 100,000
1 -1,295 -700 -595 99,405
2 -1,291 -696 -595 98,810
3 -1,287 -692 -595 98,214
4 -1,283 -687 -595 97,619
5 -1,279 -683 -595 97,024
6 -1,274 -679 -595 96,429
7 -1,270 -675 -595 95,833
8 -1,266 -671 -595 95,238
9 -1,262 -667 -595 94,643
10 -1,258 -662 -595 94,048
12 -1,249 -654 -595 92,857 -15,268 -8,125
13 -1,245 -650 -595 92,262 53%
14 -1,241 -646 -595 91,667
15 -1,237 -642 -595 91,071
16 -1,233 -637 -595 90,476
17 -1,229 -633 -595 89,881
18 -1,224 -629 -595 89,286
19 -1,220 -625 -595 88,690
20 -1,216 -621 -595 88,095
21 -1,212 -617 -595 87,500
22 -1,208 -612 -595 86,905
24 -1,199 -604 -595 85,714 -29,936 -15,650
25 -1,195 -600 -595 85,119 52%
26 -1,191 -596 -595 84,524
27 -1,187 -592 -595 83,929
28 -1,183 -587 -595 83,333
29 -1,179 -583 -595 82,738
30 -1,174 -579 -595 82,143
31 -1,170 -575 -595 81,548
32 -1,166 -571 -595 80,952
33 -1,162 -567 -595 80,357
34 -1,158 -562 -595 79,762
36 -1,149 -554 -595 78,571 -44,004 -22,575
37 -1,145 -550 -595 77,976 51%
38 -1,141 -546 -595 77,381
39 -1,137 -542 -595 76,786
40 -1,133 -537 -595 76,190
41 -1,129 -533 -595 75,595
42 -1,124 -529 -595 75,000
43 -1,120 -525 -595 74,405
44 -1,116 -521 -595 73,810
45 -1,112 -517 -595 73,214
46 -1,108 -512 -595 72,619
48 -1,099 -504 -595 71,429 -57,471 -28,900
49 -1,095 -500 -595 70,833 50%
50 -1,091 -496 -595 70,238
51 -1,087 -492 -595 69,643
52 -1,083 -487 -595 69,048
53 -1,079 -483 -595 68,452
54 -1,074 -479 -595 67,857
55 -1,070 -475 -595 67,262
56 -1,066 -471 -595 66,667
57 -1,062 -467 -595 66,071
58 -1,058 -462 -595 65,476
60 -1,049 -454 -595 64,286 -70,339 -34,625
61 -1,045 -450 -595 63,690 49%
62 -1,041 -446 -595 63,095
63 -1,037 -442 -595 62,500
64 -1,033 -437 -595 61,905
65 -1,029 -433 -595 61,310
66 -1,024 -429 -595 60,714
67 -1,020 -425 -595 60,119
68 -1,016 -421 -595 59,524
69 -1,012 -417 -595 58,929
70 -1,008 -412 -595 58,333
72 -999 -404 -595 57,143 -82,607 -39,750
73 -995 -400 -595 56,548 48%
74 -991 -396 -595 55,952
75 -987 -392 -595 55,357
76 -983 -387 -595 54,762
77 -979 -383 -595 54,167
78 -974 -379 -595 53,571
79 -970 -375 -595 52,976
80 -966 -371 -595 52,381
81 -962 -367 -595 51,786
82 -958 -362 -595 51,190
84 -949 -354 -595 50,000 -94,275 -44,275
85 -945 -350 -595 49,405 47%
86 -941 -346 -595 48,810
87 -937 -342 -595 48,214
88 -933 -337 -595 47,619
89 -929 -333 -595 47,024
90 -924 -329 -595 46,429
91 -920 -325 -595 45,833
92 -916 -321 -595 45,238
93 -912 -317 -595 44,643
94 -908 -312 -595 44,048
96 -899 -304 -595 42,857 -105,343 -48,200
97 -895 -300 -595 42,262 46%
98 -891 -296 -595 41,667
99 -887 -292 -595 41,071
100 -883 -287 -595 40,476
101 -879 -283 -595 39,881
102 -874 -279 -595 39,286
103 -870 -275 -595 38,690
104 -866 -271 -595 38,095
105 -862 -267 -595 37,500
106 -858 -262 -595 36,905
108 -849 -254 -595 35,714 -115,811 -51,525
109 -845 -250 -595 35,119 44%
110 -841 -246 -595 34,524
111 -837 -242 -595 33,929
112 -833 -237 -595 33,333
113 -829 -233 -595 32,738
114 -824 -229 -595 32,143
115 -820 -225 -595 31,548
116 -816 -221 -595 30,952
117 -812 -217 -595 30,357
118 -808 -212 -595 29,762
120 -799 -204 -595 28,571 -125,679 -54,250
121 -795 -200 -595 27,976 43%
122 -791 -196 -595 27,381
123 -787 -192 -595 26,786
124 -783 -187 -595 26,190
125 -779 -183 -595 25,595
126 -774 -179 -595 25,000
127 -770 -175 -595 24,405
128 -766 -171 -595 23,810
129 -762 -167 -595 23,214
130 -758 -162 -595 22,619
132 -749 -154 -595 21,429 -134,946 -56,375
133 -745 -150 -595 20,833 42%
134 -741 -146 -595 20,238
135 -737 -142 -595 19,643
136 -733 -137 -595 19,048
137 -729 -133 -595 18,452
138 -724 -129 -595 17,857
139 -720 -125 -595 17,262
140 -716 -121 -595 16,667
141 -712 -117 -595 16,071
142 -708 -112 -595 15,476
144 -699 -104 -595 14,286 -143,614 -57,900
145 -695 -100 -595 13,690 40%
146 -691 -96 -595 13,095
147 -687 -92 -595 12,500
148 -683 -87 -595 11,905
149 -679 -83 -595 11,310
150 -674 -79 -595 10,714
151 -670 -75 -595 10,119
152 -666 -71 -595 9,524
153 -662 -67 -595 8,929
154 -658 -62 -595 8,333
156 -649 -54 -595 7,143 -151,682 -58,825
157 -645 -50 -595 6,548 39%
158 -641 -46 -595 5,952
159 -637 -42 -595 5,357
160 -633 -37 -595 4,762
161 -629 -33 -595 4,167
162 -624 -29 -595 3,571
163 -620 -25 -595 2,976
164 -616 -21 -595 2,381
165 -612 -17 -595 1,786
166 -608 -12 -595 1,190
168 -599 -4 -595 -0 -159,150 -59,150
37%
-159,150 -59,150 -100,000
Preço 111,111 VPL
Sinal -11,111 10% TIR
Principal
Amortiz.de
Principal
0 100,000 100,000
1 -1,014 -700 -314 99,686
2 -1,014 -698 -316 99,369
3 -1,014 -696 -319 99,051
4 -1,014 -693 -321 98,730
5 -1,014 -691 -323 98,407
6 -1,014 -689 -325 98,082
7 -1,014 -687 -328 97,754
8 -1,014 -684 -330 97,424
9 -1,014 -682 -332 97,092
10 -1,014 -680 -335 96,758
-7,143 12 -1,014 -675 -339 96,081 -12,170
47% 13 -1,014 -673 -342 95,740
14 -1,014 -670 -344 95,396
15 -1,014 -668 -346 95,049
16 -1,014 -665 -349 94,701
17 -1,014 -663 -351 94,349
18 -1,014 -660 -354 93,996
19 -1,014 -658 -356 93,639
20 -1,014 -655 -359 93,281
21 -1,014 -653 -361 92,920
22 -1,014 -650 -364 92,556
-14,286 24 -1,014 -645 -369 91,821 -24,340
48% 25 -1,014 -643 -371 91,449
26 -1,014 -640 -374 91,075
27 -1,014 -638 -377 90,699
28 -1,014 -635 -379 90,319
29 -1,014 -632 -382 89,937
30 -1,014 -630 -385 89,553
31 -1,014 -627 -387 89,166
32 -1,014 -624 -390 88,776
33 -1,014 -621 -393 88,383
34 -1,014 -619 -395 87,987
-21,429 36 -1,014 -613 -401 87,188 -36,510
49% 37 -1,014 -610 -404 86,784
38 -1,014 -607 -407 86,378
39 -1,014 -605 -410 85,968
40 -1,014 -602 -412 85,556
41 -1,014 -599 -415 85,140
42 -1,014 -596 -418 84,722
43 -1,014 -593 -421 84,301
44 -1,014 -590 -424 83,877
45 -1,014 -587 -427 83,450
46 -1,014 -584 -430 83,020
-28,571 48 -1,014 -578 -436 82,151 -48,680
50% 49 -1,014 -575 -439 81,712
50 -1,014 -572 -442 81,270
51 -1,014 -569 -445 80,824
52 -1,014 -566 -448 80,376
53 -1,014 -563 -452 79,924
54 -1,014 -559 -455 79,470
55 -1,014 -556 -458 79,012
56 -1,014 -553 -461 78,551
57 -1,014 -550 -464 78,086
58 -1,014 -547 -468 77,619
-35,714 60 -1,014 -540 -474 76,674 -60,850
51% 61 -1,014 -537 -477 76,196
62 -1,014 -533 -481 75,716
63 -1,014 -530 -484 75,231
64 -1,014 -527 -488 74,744
65 -1,014 -523 -491 74,253
66 -1,014 -520 -494 73,759
67 -1,014 -516 -498 73,261
68 -1,014 -513 -501 72,759
69 -1,014 -509 -505 72,255
70 -1,014 -506 -508 71,746
-42,857 72 -1,014 -499 -516 70,719 -73,020
52% 73 -1,014 -495 -519 70,200
74 -1,014 -491 -523 69,677
75 -1,014 -488 -526 69,150
76 -1,014 -484 -530 68,620
77 -1,014 -480 -534 68,086
78 -1,014 -477 -538 67,549
79 -1,014 -473 -541 67,008
80 -1,014 -469 -545 66,462
81 -1,014 -465 -549 65,914
82 -1,014 -461 -553 65,361
-50,000 84 -1,014 -454 -561 64,244 -85,190
53% 85 -1,014 -450 -564 63,679
86 -1,014 -446 -568 63,111
87 -1,014 -442 -572 62,538
88 -1,014 -438 -576 61,962
89 -1,014 -434 -580 61,381
90 -1,014 -430 -584 60,797
91 -1,014 -426 -589 60,208
92 -1,014 -421 -593 59,616
93 -1,014 -417 -597 59,019
94 -1,014 -413 -601 58,418
-57,143 96 -1,014 -405 -609 57,203 -97,360
54% 97 -1,014 -400 -614 56,589
98 -1,014 -396 -618 55,971
99 -1,014 -392 -622 55,349
100 -1,014 -387 -627 54,722
101 -1,014 -383 -631 54,091
102 -1,014 -379 -636 53,456
103 -1,014 -374 -640 52,816
104 -1,014 -370 -644 52,171
105 -1,014 -365 -649 51,522
106 -1,014 -361 -654 50,869
-64,286 108 -1,014 -351 -663 49,548 -109,530
56% 109 -1,014 -347 -667 48,881
110 -1,014 -342 -672 48,209
111 -1,014 -337 -677 47,532
112 -1,014 -333 -681 46,850
113 -1,014 -328 -686 46,164
114 -1,014 -323 -691 45,473
115 -1,014 -318 -696 44,777
116 -1,014 -313 -701 44,077
117 -1,014 -309 -706 43,371
118 -1,014 -304 -711 42,660
-71,429 120 -1,014 -294 -721 41,224 -121,700
57% 121 -1,014 -289 -726 40,499
122 -1,014 -283 -731 39,768
123 -1,014 -278 -736 39,032
124 -1,014 -273 -741 38,291
125 -1,014 -268 -746 37,545
126 -1,014 -263 -751 36,794
127 -1,014 -258 -757 36,037
128 -1,014 -252 -762 35,275
129 -1,014 -247 -767 34,508
130 -1,014 -242 -773 33,736
-78,571 132 -1,014 -231 -783 32,174 -133,870
58% 133 -1,014 -225 -789 31,385
134 -1,014 -220 -794 30,591
135 -1,014 -214 -800 29,791
136 -1,014 -209 -806 28,985
137 -1,014 -203 -811 28,174
138 -1,014 -197 -817 27,357
139 -1,014 -191 -823 26,534
140 -1,014 -186 -828 25,706
141 -1,014 -180 -834 24,871
142 -1,014 -174 -840 24,031
-85,714 144 -1,014 -162 -852 22,334 -146,040
60% 145 -1,014 -156 -858 21,476
146 -1,014 -150 -864 20,612
147 -1,014 -144 -870 19,742
148 -1,014 -138 -876 18,866
149 -1,014 -132 -882 17,984
150 -1,014 -126 -888 17,096
151 -1,014 -120 -894 16,201
152 -1,014 -113 -901 15,300
153 -1,014 -107 -907 14,393
154 -1,014 -101 -913 13,480
-92,857 156 -1,014 -88 -926 11,634 -158,210
61% 157 -1,014 -81 -933 10,701
158 -1,014 -75 -939 9,762
159 -1,014 -68 -946 8,816
160 -1,014 -62 -952 7,864
161 -1,014 -55 -959 6,904
162 -1,014 -48 -966 5,939
163 -1,014 -42 -973 4,966
164 -1,014 -35 -979 3,987
165 -1,014 -28 -986 3,000
166 -1,014 -21 -993 2,007
-100,000 168 -1,014 -7 -1,007 0 -170,380
63%
-170,380 -70,380 -100,000
100,000 Preço 111,111
0.70% Sinal -11,111 10%
100,000
Amortiz.de
Principal
0 100,000 100,000
1 -599 -700 101 100,101
2 -604 -701 97 100,198
3 -608 -701 94 100,291
4 -612 -702 90 100,381
5 -616 -703 86 100,468
6 -621 -703 83 100,550
7 -625 -704 79 100,629
8 -629 -704 75 100,704
9 -634 -705 71 100,775
10 -638 -705 67 100,842
Juros Principal 11 -643 -706 63 100,905
-8,251 -3,919 12 -647 -706 59 100,965
68% 32% 13 -652 -707 55 101,020
14 -656 -707 51 101,070
15 -661 -707 47 101,117
16 -666 -708 42 101,159
17 -670 -708 38 101,197
18 -675 -708 34 101,231
19 -680 -709 29 101,260
20 -684 -709 24 101,284
21 -689 -709 20 101,304
22 -694 -709 15 101,319
Juros Principal 23 -699 -709 10 101,330
-16,161 -8,179 24 -704 -709 6 101,335
66% 34% 25 -709 -709 1 101,336
26 -714 -709 -4 101,332
27 -719 -709 -9 101,322
28 -724 -709 -14 101,308
29 -729 -709 -20 101,289
30 -734 -709 -25 101,264
31 -739 -709 -30 101,234
32 -744 -709 -35 101,198
33 -749 -708 -41 101,157
34 -755 -708 -46 101,111
Juros Principal 35 -760 -708 -52 101,059
-23,698 -12,812 36 -765 -707 -58 101,001
65% 35% 37 -771 -707 -64 100,937
38 -776 -707 -69 100,868
39 -781 -706 -75 100,793
40 -787 -706 -81 100,712
41 -792 -705 -87 100,624
42 -798 -704 -93 100,531
43 -803 -704 -100 100,431
44 -809 -703 -106 100,325
45 -815 -702 -112 100,213
46 -820 -701 -119 100,094
Juros Principal 47 -826 -701 -126 99,968
-30,831 -17,849 48 -832 -700 -132 99,836
63% 37% 49 -838 -699 -139 99,697
50 -844 -698 -146 99,551
51 -850 -697 -153 99,398
52 -856 -696 -160 99,239
53 -861 -695 -167 99,072
54 -868 -694 -174 98,898
55 -874 -692 -181 98,717
56 -880 -691 -189 98,528
57 -886 -690 -196 98,332
58 -892 -688 -204 98,128
Juros Principal 59 -898 -687 -211 97,917
-37,524 -23,326 60 -905 -685 -219 97,697
62% 38% 61 -911 -684 -227 97,470
62 -917 -682 -235 97,235
63 -924 -681 -243 96,992
64 -930 -679 -251 96,741
65 -937 -677 -260 96,481
66 -943 -675 -268 96,213
67 -950 -673 -276 95,937
68 -957 -672 -285 95,652
69 -963 -670 -294 95,358
70 -970 -668 -302 95,056
Juros Principal 71 -977 -665 -311 94,745
-43,739 -29,281 72 -984 -663 -320 94,424
60% 40% 73 -990 -661 -330 94,095
74 -997 -659 -339 93,756
75 -1,004 -656 -348 93,408
76 -1,011 -654 -358 93,050
77 -1,018 -651 -367 92,683
78 -1,026 -649 -377 92,306
79 -1,033 -646 -387 91,920
80 -1,040 -643 -397 91,523
81 -1,047 -641 -407 91,117
82 -1,055 -638 -417 90,700
Juros Principal 83 -1,062 -635 -427 90,273
-49,433 -35,756 84 -1,069 -632 -438 89,835
58% 42% 85 -1,077 -629 -448 89,387
86 -1,084 -626 -459 88,928
87 -1,092 -622 -470 88,459
88 -1,100 -619 -481 87,978
89 -1,107 -616 -492 87,486
90 -1,115 -612 -503 86,984
91 -1,123 -609 -514 86,470
92 -1,131 -605 -526 85,944
93 -1,139 -602 -537 85,407
94 -1,147 -598 -549 84,858
Juros Principal 95 -1,155 -594 -561 84,297
-54,563 -42,797 96 -1,163 -590 -573 83,724
56% 44% 97 -1,171 -586 -585 83,140
98 -1,179 -582 -597 82,542
99 -1,187 -578 -610 81,933
100 -1,196 -574 -622 81,311
101 -1,204 -569 -635 80,676
102 -1,213 -565 -648 80,028
103 -1,221 -560 -661 79,367
104 -1,230 -556 -674 78,693
105 -1,238 -551 -687 78,006
106 -1,247 -546 -701 77,305
Juros Principal 107 -1,256 -541 -714 76,590
-59,078 -50,452 108 -1,264 -536 -728 75,862
54% 46% 109 -1,273 -531 -742 75,120
110 -1,282 -526 -756 74,364
111 -1,291 -521 -771 73,593
112 -1,300 -515 -785 72,808
113 -1,309 -510 -800 72,008
114 -1,318 -504 -814 71,194
115 -1,328 -498 -829 70,365
116 -1,337 -493 -844 69,520
117 -1,346 -487 -860 68,661
118 -1,356 -481 -875 67,786
Juros Principal 119 -1,365 -475 -891 66,895
-62,924 -58,776 120 -1,375 -468 -906 65,989
52% 48% 121 -1,384 -462 -922 65,066
122 -1,394 -455 -939 64,127
123 -1,404 -449 -955 63,173
124 -1,414 -442 -971 62,201
125 -1,424 -435 -988 61,213
126 -1,434 -428 -1,005 60,208
127 -1,444 -421 -1,022 59,186
128 -1,454 -414 -1,039 58,146
129 -1,464 -407 -1,057 57,090
130 -1,474 -400 -1,074 56,015
Juros Principal 131 -1,484 -392 -1,092 54,923
-66,044 -67,826 132 -1,495 -384 -1,110 53,813
49% 51% 133 -1,505 -377 -1,129 52,684
134 -1,516 -369 -1,147 51,537
135 -1,526 -361 -1,166 50,371
136 -1,537 -353 -1,184 49,187
137 -1,548 -344 -1,204 47,983
138 -1,559 -336 -1,223 46,760
139 -1,570 -327 -1,242 45,518
140 -1,581 -319 -1,262 44,256
141 -1,592 -310 -1,282 42,974
142 -1,603 -301 -1,302 41,672
Juros Principal 143 -1,614 -292 -1,322 40,350
-68,373 -77,666 144 -1,625 -282 -1,343 39,007
47% 53% 145 -1,637 -273 -1,364 37,644
146 -1,648 -264 -1,385 36,259
147 -1,660 -254 -1,406 34,853
148 -1,671 -244 -1,427 33,426
149 -1,683 -234 -1,449 31,977
150 -1,695 -224 -1,471 30,506
151 -1,707 -214 -1,493 29,013
152 -1,719 -203 -1,515 27,497
153 -1,731 -192 -1,538 25,959
154 -1,743 -182 -1,561 24,398
Juros Principal 155 -1,755 -171 -1,584 22,814
-69,844 -88,366 156 -1,767 -160 -1,608 21,207
44% 56% 157 -1,780 -148 -1,631 19,575
158 -1,792 -137 -1,655 17,920
159 -1,805 -125 -1,679 16,241
160 -1,817 -114 -1,704 14,538
161 -1,830 -102 -1,728 12,810
162 -1,843 -90 -1,753 11,056
163 -1,856 -77 -1,778 9,278
164 -1,869 -65 -1,804 7,475
165 -1,882 -52 -1,829 5,645
166 -1,895 -40 -1,855 3,790
Juros Principal 167 -1,908 -27 -1,882 1,908
-70,380 -100,000 168 -1,922 -13 -1,908 0
41% 59%
-190,793 -90,793 -100,000
VPL 100,000
TIR 0.70%
Desembolsos
Juros 90,793
Principal 100,000
Total 190,793
TT+ Sinal 201,904

-7,476 -8,441 965
113% -13%

-15,605 -16,941 1,335
109% -9%

-24,444 -25,445 1,001
104% -4%
-34,055 -33,891 -164
100% 0%

-44,505 -42,202 -2,303
95% 5%

-55,867 -50,291 -5,576
90% 10%

-68,221 -58,056 -10,165
85% 15%
-81,654 -65,378 -16,276
80% 20%

-96,259 -72,121 -24,138
75% 25%

-112,140 -78,128 -34,011
70% 30%

-129,407 -83,220 -46,187
64% 36%
-148,182 -87,190 -60,993
59% 41%

-168,597 -89,803 -78,793
53% 47%

-190,793 -90,793 -100,000
48% 52%
Quadro comparativo

SAC 1,295 1,249 1,199 1,149 1,099 1,049 999
PRICE 1,014 1,014 1,014 1,014 1,014 1,014 1,014
SACOC 599 647 704 765 832 905 984

SAC 1,295 15,268 29,936 44,004 57,471 70,339 82,607
PRICE 1,014 12,170 24,340 36,510 48,680 60,850 73,020
SACOC 599 7,476 15,605 24,444 34,055 44,505 55,867
SAC 700 8,125 15,650 22,575 28,900 34,625 39,750
PRICE 700 8,251 16,161 23,698 30,831 37,524 43,739
SACOC 700 8,441 16,941 25,445 33,891 42,202 50,291

SAC 99,405 92,857 85,714 78,571 71,429 64,286 57,143
PRICE 99,686 96,081 91,821 87,188 82,151 76,674 70,719
SACOC 100,101 100,965 101,335 101,001 99,836 97,697 94,424

SAC 119,236 126,761 133,686 140,011 145,736 150,861
PRICE 119,363 127,272 134,809 141,942 148,635 154,850
SACOC 119,552 128,052 136,556 145,002 153,313 161,402
Mês 84 Mês 96 Mês 108 Mês 120 Mês 132 Mês 144 Mês 156 Mês 168
949 899 849 799 749 699 649 599
1,014 1,014 1,014 1,014 1,014 1,014 1,014 1,014
1,069 1,163 1,264 1,375 1,495 1,625 1,767 1,922
94,275 105,343 115,811 125,679 134,946 143,614 151,682 159,150
85,190 97,360 109,530 121,700 133,870 146,040 158,210 170,380
68,221 81,654 96,259 112,140 129,407 148,182 168,597 190,793
44,275 48,200 51,525 54,250 56,375 57,900 58,825 59,150
49,433 54,563 59,078 62,924 66,044 68,373 69,844 70,380
58,056 65,378 72,121 78,128 83,220 87,190 89,803 90,793
50,000 42,857 35,714 28,571 21,429 14,286 7,143 -0
64,244 57,203 49,548 41,224 32,174 22,334 11,634 0
89,835 83,724 75,862 65,989 53,813 39,007 21,207 0
155,386 159,311 162,636 165,361 167,486 169,011 169,936 170,261
160,545 165,674 170,189 174,035 177,155 179,484 180,955 181,491
169,167 176,489 183,232 189,240 194,331 198,301 200,914 201,904
Obs
Amort.Constantes e Parcelas Decrescentes
Amort.Crescentes e Parcelas Iguais
Amort.Crescentes e Parcelas Crescentes
Obs
Obs
Obs

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Preço 111,111 VPL 100,000

Sinal -11,111 10% TIR 0.70%

Desembolso Juros Principal

Desembolso Juros Principal

Desembolso Juros Principal

Desembolso Juros Principal

Desembolso Juros Principal

Desembolso Juros Principal

Desembolso Juros Principal

Desembolso Juros Principal

Desembolso Juros Principal

Quanto à Parcela Mês 1 Mês 12 Mês 24 Mês 36 Mês 48 Mês 60 Mês 72

Quanto ao Desembolso Mês 1 Mês 12 Mês 24 Mês 36 Mês 48 Mês 60 Mês 72

Quanto ao Sdevedor Mês 1 Mês 12 Mês 24 Mês 36 Mês 48 Mês 60 Mês 72

Mês 12 Mês 24 Mês 36 Mês 48 Mês 60 Mês 72

Mês 84 Mês 96 Mês 108 Mês 120 Obs

Mês 84 Mês 96 Mês 108 Mês 120 Obs

Mês 84 Mês 96 Mês 108 Mês 120 Obs

aldo devedor na respectiva data?

Mês 84 Mês 96 Mês 108 Mês 120

Desembolso Juros Principal

Desembolso Juros Principal

Desembolso Juros Principal

Desembolso Juros Principal

Desembolso Juros Principal

Desembolso Juros Principal

Desembolso Juros Principal

Desembolso Juros Principal

Desembolso Juros Principal

Desembolso Juros Principal

Quanto à Parcela Mês 1 Mês 12 Mês 24 Mês 36 Mês 48 Mês 60 Mês 72

Quanto ao Desembolso Mês 1 Mês 12 Mês 24 Mês 36 Mês 48 Mês 60 Mês 72

Quanto ao Sdevedor Mês 1 Mês 12 Mês 24 Mês 36 Mês 48 Mês 60 Mês 72

Mês 12 Mês 24 Mês 36 Mês 48 Mês 60 Mês 72

aldo devedor na respectiva data?

Desembolso Juros Principal

Desembolso Juros Principal

Desembolso Juros Principal

Desembolso Juros Principal

Desembolso Juros Principal

Desembolso Juros Principal

Desembolso Juros Principal

Desembolso Juros Principal

Desembolso Juros Principal

Desembolso Juros Principal

Desembolso Juros Principal

Quanto à Parcela Mês 1 Mês 12 Mês 24 Mês 36 Mês 48 Mês 60 Mês 72

Quanto ao Desembolso Mês 1 Mês 12 Mês 24 Mês 36 Mês 48 Mês 60 Mês 72

Quanto ao Sdevedor Mês 1 Mês 12 Mês 24 Mês 36 Mês 48 Mês 60 Mês 72

Mês 12 Mês 24 Mês 36 Mês 48 Mês 60 Mês 72

aldo devedor na respectiva data?

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