1

Sistema de Amortizacoes Constantes

N S. Devedor Amortizacao Juros Prestacao N+1
0 500,000.00 0
1 458,333.33 41,666.67 25,000.00 66,666.67 1
2 416,666.67 41,666.67 22,916.67 64,583.33 2
3 375,000.00 41,666.67 20,833.33 62,500.00 3
4 333,333.33 41,666.67 18,750.00 60,416.67 4
5 291,666.67 41,666.67 16,666.67 58,333.33 5
6 250,000.00 41,666.67 14,583.33 56,250.00 6
7 208,333.33 41,666.67 12,500.00 54,166.67 7
8 166,666.67 41,666.67 10,416.67 52,083.33 8
9 125,000.00 41,666.67 8,333.33 50,000.00 9
10 83,333.33 41,666.67 6,250.00 47,916.67 10
11 41,666.67 41,666.67 4,166.67 45,833.33
12 0.00 41,666.67 2,083.33 43,750.00 n
Soma 500,000.00 162,500.00 662,500.00 i
Do 500000 Vp
i 5% I equivalen
n 12 PMT
PMT 56412.7050104077 8.709039
8.863252

2
Dados:
i 2%
VF(6) 10000
VF(12) 20000
VP?
Resolucao
VP=VF(1+i)^-6 + Vf2(1+i)^-12
VP=10000*(1+0.02)^(-6) +20000*(1+0.02)^(-12)
VP 24649.58
S. Devedor AmortizacaJuros Prestacao
333,333.33
303,710.54 29,622.80 8,651.61 38,274.41
273,318.88 30,391.65 7,882.76 38,274.41
242,138.42 31,180.46 7,093.95 38,274.41
210,148.67 31,989.75 6,284.66 38,274.41
177,328.64 32,820.04 5,454.37 38,274.41
143,656.76 33,671.87 4,602.54 38,274.41
109,110.94 34,545.82 3,728.59 38,274.41
73,668.49 35,442.45 2,831.96 38,274.41
37,306.13 36,362.36 1,912.05 38,274.41
0.00 37,306.13 968.27 38,274.41

10
0.36
333,333.33
0.02595483
38274.4092