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SRIES UNIFORMES DE PAGAMENTOS

1 Elabore uma planilha de um financiamento com 4 prestaes mensais de R$ 1000,00, taxa de 1% a.m., determinando
(o saldo devedor na data presente)

n
4

meses
1
2
3
4
Total

i
1.00%

PV
3,901.97

PMT
1,000.00

Planilha de evoluo do saldo devedor


Saldo inicial
juros
amortizao
R$3,901.97
R$39.02
R$960.98
R$2,940.99
R$29.41
R$970.59
R$1,970.40
R$19.70
R$980.30
R$990.10
R$9.90
R$990.10
R$98.03
R$3,901.97

Prestao
R$1,000.00
R$1,000.00
R$1,000.00
R$1,000.00
R$4,000.00

Saldo final
R$2,940.99
R$1,970.40
R$990.10
R$0.00
-

2 Elabore uma planilha de um financiamento em 12 prestaes mensais de R$ 1.000,00, taxa de 4% a.m., determinand

n
12
n
1
2
3
4
5
6
7
8
9
10
11
12
Total

i
4.00%
Saldo Inicial
R$ 9,385.07
R$ 8,760.48
R$ 8,110.90
R$ 7,435.33
R$ 6,732.74
R$ 6,002.05
R$ 5,242.14
R$ 4,451.82
R$ 3,629.90
R$ 2,775.09
R$ 1,886.09
R$ 961.54
-

PV
9,385.07
Juros
R$ 375.40
R$ 350.42
R$ 324.44
R$ 297.41
R$ 269.31
R$ 240.08
R$ 209.69
R$ 178.07
R$ 145.20
R$ 111.00
R$ 75.44
R$ 38.46
Err:522

PMT
R$ 1,000.00
Amortizao
R$ 624.60
R$ 649.58
R$ 675.56
R$ 702.59
R$ 730.69
R$ 759.92
R$ 790.31
R$ 821.93
R$ 854.80
R$ 889.00
R$ 924.56
R$ 961.54
Err:522

Prestao
R$ 1,000.00
R$ 1,000.00
R$ 1,000.00
R$ 1,000.00
R$ 1,000.00
R$ 1,000.00
R$ 1,000.00
R$ 1,000.00
R$ 1,000.00
R$ 1,000.00
R$ 1,000.00
R$ 1,000.00
Err:522

Saldo Final
R$ 8,760.48
R$ 8,110.90
R$ 7,435.33
R$ 6,732.74
R$ 6,002.05
R$ 5,242.14
R$ 4,451.82
R$ 3,629.90
R$ 2,775.09
R$ 1,886.09
R$ 961.54
R$ 0.00
-

3 Elabore uma planilha de um financiamento em 60 prestaes mensais de R$ 1.100,00 , taxa de 2,65% a.m., determin

n
60

i
2.65%

PV
32,867.53

PMT
R$ 1,100.00

n
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
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53

Saldo Inicial
R$ 32,867.53
R$ 32,638.52
R$ 32,403.44
R$ 32,162.13
R$ 31,914.42
R$ 31,660.16
R$ 31,399.15
R$ 31,131.23
R$ 30,856.21
R$ 30,573.90
R$ 30,284.10
R$ 29,986.63
R$ 29,681.28
R$ 29,367.83
R$ 29,046.08
R$ 28,715.80
R$ 28,376.77
R$ 28,028.75
R$ 27,671.52
R$ 27,304.81
R$ 26,928.39
R$ 26,541.99
R$ 26,145.35
R$ 25,738.21
R$ 25,320.27
R$ 24,891.26
R$ 24,450.87
R$ 23,998.82
R$ 23,534.79
R$ 23,058.46
R$ 22,569.51
R$ 22,067.60
R$ 21,552.39
R$ 21,023.53
R$ 20,480.66
R$ 19,923.39
R$ 19,351.36
R$ 18,764.18
R$ 18,161.43
R$ 17,542.70
R$ 16,907.59
R$ 16,255.64
R$ 15,586.41
R$ 14,899.45
R$ 14,194.29
R$ 13,470.43
R$ 12,727.40
R$ 11,964.68
R$ 11,181.74
R$ 10,378.06
R$ 9,553.08
R$ 8,706.23
R$ 7,836.95

Juros
R$ 870.99
R$ 864.92
R$ 858.69
R$ 852.30
R$ 845.73
R$ 838.99
R$ 832.08
R$ 824.98
R$ 817.69
R$ 810.21
R$ 802.53
R$ 794.65
R$ 786.55
R$ 778.25
R$ 769.72
R$ 760.97
R$ 751.98
R$ 742.76
R$ 733.30
R$ 723.58
R$ 713.60
R$ 703.36
R$ 692.85
R$ 682.06
R$ 670.99
R$ 659.62
R$ 647.95
R$ 635.97
R$ 623.67
R$ 611.05
R$ 598.09
R$ 584.79
R$ 571.14
R$ 557.12
R$ 542.74
R$ 527.97
R$ 512.81
R$ 497.25
R$ 481.28
R$ 464.88
R$ 448.05
R$ 430.77
R$ 413.04
R$ 394.84
R$ 376.15
R$ 356.97
R$ 337.28
R$ 317.06
R$ 296.32
R$ 275.02
R$ 253.16
R$ 230.72
R$ 207.68

Amortizao
R$ 229.01
R$ 235.08
R$ 241.31
R$ 247.70
R$ 254.27
R$ 261.01
R$ 267.92
R$ 275.02
R$ 282.31
R$ 289.79
R$ 297.47
R$ 305.35
R$ 313.45
R$ 321.75
R$ 330.28
R$ 339.03
R$ 348.02
R$ 357.24
R$ 366.70
R$ 376.42
R$ 386.40
R$ 396.64
R$ 407.15
R$ 417.94
R$ 429.01
R$ 440.38
R$ 452.05
R$ 464.03
R$ 476.33
R$ 488.95
R$ 501.91
R$ 515.21
R$ 528.86
R$ 542.88
R$ 557.26
R$ 572.03
R$ 587.19
R$ 602.75
R$ 618.72
R$ 635.12
R$ 651.95
R$ 669.23
R$ 686.96
R$ 705.16
R$ 723.85
R$ 743.03
R$ 762.72
R$ 782.94
R$ 803.68
R$ 824.98
R$ 846.84
R$ 869.28
R$ 892.32

Prestao
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00

Saldo Final
R$ 32,638.52
R$ 32,403.44
R$ 32,162.13
R$ 31,914.42
R$ 31,660.16
R$ 31,399.15
R$ 31,131.23
R$ 30,856.21
R$ 30,573.90
R$ 30,284.10
R$ 29,986.63
R$ 29,681.28
R$ 29,367.83
R$ 29,046.08
R$ 28,715.80
R$ 28,376.77
R$ 28,028.75
R$ 27,671.52
R$ 27,304.81
R$ 26,928.39
R$ 26,541.99
R$ 26,145.35
R$ 25,738.21
R$ 25,320.27
R$ 24,891.26
R$ 24,450.87
R$ 23,998.82
R$ 23,534.79
R$ 23,058.46
R$ 22,569.51
R$ 22,067.60
R$ 21,552.39
R$ 21,023.53
R$ 20,480.66
R$ 19,923.39
R$ 19,351.36
R$ 18,764.18
R$ 18,161.43
R$ 17,542.70
R$ 16,907.59
R$ 16,255.64
R$ 15,586.41
R$ 14,899.45
R$ 14,194.29
R$ 13,470.43
R$ 12,727.40
R$ 11,964.68
R$ 11,181.74
R$ 10,378.06
R$ 9,553.08
R$ 8,706.23
R$ 7,836.95
R$ 6,944.63

54
55
56
57
58
59
60
Total

R$ 6,944.63
R$ 6,028.66
R$ 5,088.42
R$ 4,123.26
R$ 3,132.53
R$ 2,115.54
R$ 1,071.60
-

R$ 184.03
R$ 159.76
R$ 134.84
R$ 109.27
R$ 83.01
R$ 56.06
R$ 28.40
R$ 33,132.47

R$ 915.97
R$ 940.24
R$ 965.16
R$ 990.73
R$ 1,016.99
R$ 1,043.94
R$ 1,071.60
R$ 32,867.53

R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 66,000.00

R$ 6,028.66
R$ 5,088.42
R$ 4,123.26
R$ 3,132.53
R$ 2,115.54
R$ 1,071.60
R$ (0.00)
-

taxa de 1% a.m., determinando o valor vista

2,940.99
1,970.40
990.10
0.00

Valor Presente
990.10
980.30
970.59
960.98
3901.97

Valor Presente
990.10
980.30
970.59
960.98
3,901.97

Valor Presente
961.54
924.56
889.00
854.80
821.93
790.31
759.92
730.69
702.59
675.56
649.58
624.60
9385.07

Valor Presente
961.54
924.56
889.00
854.80
821.93
790.31
759.92
730.69
702.59
675.56
649.58
624.60
9,385.07

taxa de 4% a.m., determinando o valor vista:

taxa de 2,65% a.m., determinando o valor vista:

Valor Presente
1071.60
1043.94
1016.99
990.73
965.16
940.24
915.97
892.32
869.28
846.84
824.98
803.68
782.94
762.72
743.03
723.85
705.16
686.96
669.23
651.95
635.12
618.72
602.75
587.19
572.03
557.26
542.88
528.86
515.21
501.91
488.95
476.33
464.03
452.05
440.38
429.01
417.94
407.15
396.64
386.40
376.42
366.70
357.24
348.02
339.03
330.28
321.75
313.45
305.35
297.47
289.79
282.31
275.02

Valor Presente
1,071.60
1,043.94
1,016.99
990.73
965.16
940.24
915.97
892.32
869.28
846.84
824.98
803.68
782.94
762.72
743.03
723.85
705.16
686.96
669.23
651.95
635.12
618.72
602.75
587.19
572.03
557.26
542.88
528.86
515.21
501.91
488.95
476.33
464.03
452.05
440.38
429.01
417.94
407.15
396.64
386.40
376.42
366.70
357.24
348.02
339.03
330.28
321.75
313.45
305.35
297.47
289.79
282.31
275.02

267.92
261.01
254.27
247.70
241.31
235.08
229.01
32867.53

267.92
261.01
254.27
247.70
241.31
235.08
229.01
32,867.53

SRIES UNIFORMES DE PAGAMENTOS

1 Elabore uma planilha de um financiamento de R$ 1.000,00 em 4 prestaes mensais , taxa de 1% a.m., determinando

n
4
n
1
2
3
4
Total

i
1.00%
Saldo Inicial
R$ 1,000.00
R$ 753.72
R$ 504.98
R$ 253.74
-

PV
1,000.00
Juros
R$ 10.00
R$ 7.54
R$ 5.05
R$ 2.54
R$ 25.12

PMT
R$ 256.28
Amortizao
R$ 246.28
R$ 248.74
R$ 251.23
R$ 253.74
R$ 1,000.00

Prestao
R$ 256.28
R$ 256.28
R$ 256.28
R$ 256.28
R$ 1,025.12

Saldo Final
R$ 753.72
R$ 504.98
R$ 253.74
R$ -

2 Elabore uma planilha de um financiamento de R$ 3.000,00 em 12 prestaes mensais , taxa de 4% a.m., determinand

n
12
n
1
2
3
4
5
6
7
8
9
10
11
12
Total

i
4.00%
Saldo Inicial
R$ 3,000.00
R$ 2,800.34
R$ 2,592.70
R$ 2,376.75
R$ 2,152.17
R$ 1,918.60
R$ 1,675.68
R$ 1,423.05
R$ 1,160.32
R$ 887.08
R$ 602.90
R$ 307.36
-

PV
3,000.00
Juros
R$ 120.00
R$ 112.01
R$ 103.71
R$ 95.07
R$ 86.09
R$ 76.74
R$ 67.03
R$ 56.92
R$ 46.41
R$ 35.48
R$ 24.12
R$ 12.29
R$ 835.88

PMT
R$ 319.66
Amortizao
R$ 199.66
R$ 207.64
R$ 215.95
R$ 224.59
R$ 233.57
R$ 242.91
R$ 252.63
R$ 262.73
R$ 273.24
R$ 284.17
R$ 295.54
R$ 307.36
R$ 3,000.00

Prestao
R$ 319.66
R$ 319.66
R$ 319.66
R$ 319.66
R$ 319.66
R$ 319.66
R$ 319.66
R$ 319.66
R$ 319.66
R$ 319.66
R$ 319.66
R$ 319.66
R$ 3,835.88

Saldo Final
R$ 2,800.34
R$ 2,592.70
R$ 2,376.75
R$ 2,152.17
R$ 1,918.60
R$ 1,675.68
R$ 1,423.05
R$ 1,160.32
R$ 887.08
R$ 602.90
R$ 307.36
R$ 0.00
-

3 Elabore uma planilha de um financiamento de R$ 40.000,00 em 60 prestaes mensais , taxa de 2,65% a.m., determi

n
60

i
2.65%

PV
25,000.00

Saldo Inicial

Juros

PMT
R$ 836.69
Amortizao

Prestao

Saldo Final

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
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

R$ 25,000.00
R$ 24,825.81
R$ 24,647.00
R$ 24,463.45
R$ 24,275.04
R$ 24,081.64
R$ 23,883.11
R$ 23,679.32
R$ 23,470.13
R$ 23,255.40
R$ 23,034.97
R$ 22,808.71
R$ 22,576.45
R$ 22,338.03
R$ 22,093.30
R$ 21,842.08
R$ 21,584.20
R$ 21,319.49
R$ 21,047.76
R$ 20,768.84
R$ 20,482.52
R$ 20,188.61
R$ 19,886.92
R$ 19,577.23
R$ 19,259.33
R$ 18,933.01
R$ 18,598.05
R$ 18,254.20
R$ 17,901.25
R$ 17,538.94
R$ 17,167.03
R$ 16,785.26
R$ 16,393.38
R$ 15,991.11
R$ 15,578.19
R$ 15,154.32
R$ 14,719.21
R$ 14,272.58
R$ 13,814.11
R$ 13,343.49
R$ 12,860.40
R$ 12,364.51
R$ 11,855.48
R$ 11,332.96
R$ 10,796.59
R$ 10,246.01
R$ 9,680.83
R$ 9,100.68
R$ 8,505.16
R$ 7,893.85
R$ 7,266.35
R$ 6,622.21
R$ 5,961.01
R$ 5,282.29

R$ 662.50
R$ 657.88
R$ 653.15
R$ 648.28
R$ 643.29
R$ 638.16
R$ 632.90
R$ 627.50
R$ 621.96
R$ 616.27
R$ 610.43
R$ 604.43
R$ 598.28
R$ 591.96
R$ 585.47
R$ 578.82
R$ 571.98
R$ 564.97
R$ 557.77
R$ 550.37
R$ 542.79
R$ 535.00
R$ 527.00
R$ 518.80
R$ 510.37
R$ 501.72
R$ 492.85
R$ 483.74
R$ 474.38
R$ 464.78
R$ 454.93
R$ 444.81
R$ 434.42
R$ 423.76
R$ 412.82
R$ 401.59
R$ 390.06
R$ 378.22
R$ 366.07
R$ 353.60
R$ 340.80
R$ 327.66
R$ 314.17
R$ 300.32
R$ 286.11
R$ 271.52
R$ 256.54
R$ 241.17
R$ 225.39
R$ 209.19
R$ 192.56
R$ 175.49
R$ 157.97
R$ 139.98

R$ 174.19
R$ 178.81
R$ 183.55
R$ 188.41
R$ 193.40
R$ 198.53
R$ 203.79
R$ 209.19
R$ 214.73
R$ 220.42
R$ 226.27
R$ 232.26
R$ 238.42
R$ 244.73
R$ 251.22
R$ 257.88
R$ 264.71
R$ 271.73
R$ 278.93
R$ 286.32
R$ 293.91
R$ 301.69
R$ 309.69
R$ 317.90
R$ 326.32
R$ 334.97
R$ 343.84
R$ 352.96
R$ 362.31
R$ 371.91
R$ 381.77
R$ 391.88
R$ 402.27
R$ 412.93
R$ 423.87
R$ 435.10
R$ 446.63
R$ 458.47
R$ 470.62
R$ 483.09
R$ 495.89
R$ 509.03
R$ 522.52
R$ 536.37
R$ 550.58
R$ 565.17
R$ 580.15
R$ 595.52
R$ 611.31
R$ 627.50
R$ 644.13
R$ 661.20
R$ 678.73
R$ 696.71

R$ 836.69
R$ 836.69
R$ 836.69
R$ 836.69
R$ 836.69
R$ 836.69
R$ 836.69
R$ 836.69
R$ 836.69
R$ 836.69
R$ 836.69
R$ 836.69
R$ 836.69
R$ 836.69
R$ 836.69
R$ 836.69
R$ 836.69
R$ 836.69
R$ 836.69
R$ 836.69
R$ 836.69
R$ 836.69
R$ 836.69
R$ 836.69
R$ 836.69
R$ 836.69
R$ 836.69
R$ 836.69
R$ 836.69
R$ 836.69
R$ 836.69
R$ 836.69
R$ 836.69
R$ 836.69
R$ 836.69
R$ 836.69
R$ 836.69
R$ 836.69
R$ 836.69
R$ 836.69
R$ 836.69
R$ 836.69
R$ 836.69
R$ 836.69
R$ 836.69
R$ 836.69
R$ 836.69
R$ 836.69
R$ 836.69
R$ 836.69
R$ 836.69
R$ 836.69
R$ 836.69
R$ 836.69

R$ 24,825.81
R$ 24,647.00
R$ 24,463.45
R$ 24,275.04
R$ 24,081.64
R$ 23,883.11
R$ 23,679.32
R$ 23,470.13
R$ 23,255.40
R$ 23,034.97
R$ 22,808.71
R$ 22,576.45
R$ 22,338.03
R$ 22,093.30
R$ 21,842.08
R$ 21,584.20
R$ 21,319.49
R$ 21,047.76
R$ 20,768.84
R$ 20,482.52
R$ 20,188.61
R$ 19,886.92
R$ 19,577.23
R$ 19,259.33
R$ 18,933.01
R$ 18,598.05
R$ 18,254.20
R$ 17,901.25
R$ 17,538.94
R$ 17,167.03
R$ 16,785.26
R$ 16,393.38
R$ 15,991.11
R$ 15,578.19
R$ 15,154.32
R$ 14,719.21
R$ 14,272.58
R$ 13,814.11
R$ 13,343.49
R$ 12,860.40
R$ 12,364.51
R$ 11,855.48
R$ 11,332.96
R$ 10,796.59
R$ 10,246.01
R$ 9,680.83
R$ 9,100.68
R$ 8,505.16
R$ 7,893.85
R$ 7,266.35
R$ 6,622.21
R$ 5,961.01
R$ 5,282.29
R$ 4,585.57

55
56
57
58
59
60
Total

R$ 4,585.57
R$ 3,870.40
R$ 3,136.27
R$ 2,382.69
R$ 1,609.14
R$ 815.09
-

R$ 121.52
R$ 102.57
R$ 83.11
R$ 63.14
R$ 42.64
R$ 21.60
R$ 25,201.53

R$ 715.17
R$ 734.13
R$ 753.58
R$ 773.55
R$ 794.05
R$ 815.09
R$ 25,000.00

R$ 836.69
R$ 836.69
R$ 836.69
R$ 836.69
R$ 836.69
R$ 836.69
R$ 50,201.53

R$ 3,870.40
R$ 3,136.27
R$ 2,382.69
R$ 1,609.14
R$ 815.09
R$ (0.00)
-

s , taxa de 1% a.m., determinando o valor das prestaes

ais , taxa de 4% a.m., determinando o valor das prestaes

sais , taxa de 2,65% a.m., determinando o valor das prestaes

SRIES UNIFORMES DE PAGAMENTOS


1 Elabore uma planilha de um eletrodomstico de R$ 1.000,00 em 4 prestaes mensais, com entrada de R$ 200,00 , taxa

n
4
n
0
1
2
3
4
Total

i
1.00%
Saldo Inicial
R$1,000.00
R$ 800.00
R$ 602.98
R$ 403.98
R$ 202.99
-

PV
800.00
Juros
R$R$ 8.00
R$ 6.03
R$ 4.04
R$ 2.03
R$ 20.10

PMT
R$ 205.02
Amortizao
R$200.00
R$ 197.02
R$ 199.00
R$ 200.99
R$ 202.99
R$ 1,000.00

Prestao
R$ 200.00
R$ 205.02
R$ 205.02
R$ 205.02
R$ 205.02
R$ 1,020.10

Saldo Final
R$ 800.00
R$ 602.98
R$ 403.98
R$ 202.99
R$ -

2 Elabore uma planilha de um financiamento de R$ 3.000,00 em 12 prestaes mensais, com entrada de R$ 500,00 , taxa d

n
12
n
0
1
2
3
4
5
6
7
8
9
10
11
12
Total

i
4.00%
Saldo Inicial
R$3,000.00
R$ 2,500.00
R$ 2,333.62
R$ 2,160.58
R$ 1,980.63
R$ 1,793.47
R$ 1,598.83
R$ 1,396.40
R$ 1,185.88
R$ 966.93
R$ 739.23
R$ 502.42
R$ 256.14
-

PV
2,500.00
Juros
R$R$ 100.00
R$ 93.34
R$ 86.42
R$ 79.23
R$ 71.74
R$ 63.95
R$ 55.86
R$ 47.44
R$ 38.68
R$ 29.57
R$ 20.10
R$ 10.25
R$ 696.57

PMT
R$ 266.38
Amortizao
R$500.00
R$ 166.38
R$ 173.04
R$ 179.96
R$ 187.16
R$ 194.64
R$ 202.43
R$ 210.52
R$ 218.95
R$ 227.70
R$ 236.81
R$ 246.28
R$ 256.14
R$ 3,000.00

Prestao
R$ 500.00
R$ 266.38
R$ 266.38
R$ 266.38
R$ 266.38
R$ 266.38
R$ 266.38
R$ 266.38
R$ 266.38
R$ 266.38
R$ 266.38
R$ 266.38
R$ 266.38
R$ 3,696.57

Saldo Final
R$ 2,500.00
R$ 2,333.62
R$ 2,160.58
R$ 1,980.63
R$ 1,793.47
R$ 1,598.83
R$ 1,396.40
R$ 1,185.88
R$ 966.93
R$ 739.23
R$ 502.42
R$ 256.14
R$ 0.00
-

3 Elabore uma planilha de um financiamento de R$ 40.000,00 em 60 prestaes mensais, com entrada de R$ 10.000,00 , t

n
50

i
3.00%

n
0
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
30
31
32
33
34
35
36
37
38
39
40
41
42

Saldo Inicial
R$50,000.00
R$ 40,000.00
R$ 39,645.38
R$ 39,280.12
R$ 38,903.91
R$ 38,516.40
R$ 38,117.28
R$ 37,706.17
R$ 37,282.74
R$ 36,846.60
R$ 36,397.38
R$ 35,934.68
R$ 35,458.10
R$ 34,967.23
R$ 34,461.62
R$ 33,940.85
R$ 33,404.46
R$ 32,851.97
R$ 32,282.91
R$ 31,696.78
R$ 31,093.06
R$ 30,471.23
R$ 29,830.75
R$ 29,171.05
R$ 28,491.57
R$ 27,791.69
R$ 27,070.82
R$ 26,328.33
R$ 25,563.56
R$ 24,775.85
R$ 23,964.50
R$ 23,128.82
R$ 22,268.06
R$ 21,381.48
R$ 20,468.31
R$ 19,527.74
R$ 18,558.95
R$ 17,561.10
R$ 16,533.31
R$ 15,474.69
R$ 14,384.31
R$ 13,261.22
R$ 12,104.44

PV
40,000.00
Juros
R$R$ 1,200.00
R$ 1,189.36
R$ 1,178.40
R$ 1,167.12
R$ 1,155.49
R$ 1,143.52
R$ 1,131.19
R$ 1,118.48
R$ 1,105.40
R$ 1,091.92
R$ 1,078.04
R$ 1,063.74
R$ 1,049.02
R$ 1,033.85
R$ 1,018.23
R$ 1,002.13
R$ 985.56
R$ 968.49
R$ 950.90
R$ 932.79
R$ 914.14
R$ 894.92
R$ 875.13
R$ 854.75
R$ 833.75
R$ 812.12
R$ 789.85
R$ 766.91
R$ 743.28
R$ 718.94
R$ 693.86
R$ 668.04
R$ 641.44
R$ 614.05
R$ 585.83
R$ 556.77
R$ 526.83
R$ 496.00
R$ 464.24
R$ 431.53
R$ 397.84
R$ 363.13

PMT
R$ 1,554.62
Amortizao
R$10,000.00
R$ 354.62
R$ 365.26
R$ 376.22
R$ 387.50
R$ 399.13
R$ 411.10
R$ 423.43
R$ 436.14
R$ 449.22
R$ 462.70
R$ 476.58
R$ 490.88
R$ 505.60
R$ 520.77
R$ 536.39
R$ 552.49
R$ 569.06
R$ 586.13
R$ 603.72
R$ 621.83
R$ 640.48
R$ 659.70
R$ 679.49
R$ 699.87
R$ 720.87
R$ 742.50
R$ 764.77
R$ 787.71
R$ 811.34
R$ 835.68
R$ 860.76
R$ 886.58
R$ 913.18
R$ 940.57
R$ 968.79
R$ 997.85
R$ 1,027.79
R$ 1,058.62
R$ 1,090.38
R$ 1,123.09
R$ 1,156.78
R$ 1,191.49

Prestao
R$ 10,000.00
R$ 1,554.62
R$ 1,554.62
R$ 1,554.62
R$ 1,554.62
R$ 1,554.62
R$ 1,554.62
R$ 1,554.62
R$ 1,554.62
R$ 1,554.62
R$ 1,554.62
R$ 1,554.62
R$ 1,554.62
R$ 1,554.62
R$ 1,554.62
R$ 1,554.62
R$ 1,554.62
R$ 1,554.62
R$ 1,554.62
R$ 1,554.62
R$ 1,554.62
R$ 1,554.62
R$ 1,554.62
R$ 1,554.62
R$ 1,554.62
R$ 1,554.62
R$ 1,554.62
R$ 1,554.62
R$ 1,554.62
R$ 1,554.62
R$ 1,554.62
R$ 1,554.62
R$ 1,554.62
R$ 1,554.62
R$ 1,554.62
R$ 1,554.62
R$ 1,554.62
R$ 1,554.62
R$ 1,554.62
R$ 1,554.62
R$ 1,554.62
R$ 1,554.62
R$ 1,554.62

Saldo Final
R$ 40,000.00
R$ 39,645.38
R$ 39,280.12
R$ 38,903.91
R$ 38,516.40
R$ 38,117.28
R$ 37,706.17
R$ 37,282.74
R$ 36,846.60
R$ 36,397.38
R$ 35,934.68
R$ 35,458.10
R$ 34,967.23
R$ 34,461.62
R$ 33,940.85
R$ 33,404.46
R$ 32,851.97
R$ 32,282.91
R$ 31,696.78
R$ 31,093.06
R$ 30,471.23
R$ 29,830.75
R$ 29,171.05
R$ 28,491.57
R$ 27,791.69
R$ 27,070.82
R$ 26,328.33
R$ 25,563.56
R$ 24,775.85
R$ 23,964.50
R$ 23,128.82
R$ 22,268.06
R$ 21,381.48
R$ 20,468.31
R$ 19,527.74
R$ 18,558.95
R$ 17,561.10
R$ 16,533.31
R$ 15,474.69
R$ 14,384.31
R$ 13,261.22
R$ 12,104.44
R$ 10,912.95

43
44
45
46
47
48
49
50
Total

R$ 10,912.95
R$ 9,685.72
R$ 8,421.67
R$ 7,119.70
R$ 5,778.67
R$ 4,397.42
R$ 2,974.72
R$ 1,509.34
-

R$ 327.39
R$ 290.57
R$ 252.65
R$ 213.59
R$ 173.36
R$ 131.92
R$ 89.24
R$ 45.28
R$ 37,730.99

R$ 1,227.23
R$ 1,264.05
R$ 1,301.97
R$ 1,341.03
R$ 1,381.26
R$ 1,422.70
R$ 1,465.38
R$ 1,509.34
R$ 50,000.00

R$ 1,554.62
R$ 1,554.62
R$ 1,554.62
R$ 1,554.62
R$ 1,554.62
R$ 1,554.62
R$ 1,554.62
R$ 1,554.62
R$ 87,730.99

R$ 9,685.72
R$ 8,421.67
R$ 7,119.70
R$ 5,778.67
R$ 4,397.42
R$ 2,974.72
R$ 1,509.34
R$ 0.00
-

4 Elabore uma planilha de um financiamento com 4 prestaes mensais de R$ 1000,00, taxa de 1% a.m., com entrada de R
(o saldo devedor na data presente)

n
4

meses
0
1
2
3
4
Total

i
1.00%

PV
4,101.97

PMT
1,000.00

Planilha de evoluo do saldo devedor


Saldo inicial
juros
amortizao
R$4,101.97
R$R$200.00
R$3,901.97
R$39.02
R$960.98
R$2,940.99
R$29.41
R$970.59
R$1,970.40
R$19.70
R$980.30
R$990.10
R$9.90
R$990.10
R$98.03
R$4,101.97

Prestao
R$200.00
R$1,000.00
R$1,000.00
R$1,000.00
R$1,000.00
R$4,200.00

Saldo final
R$3,901.97
R$2,940.99
R$1,970.40
R$990.10
R$0.00
-

5 Elabore uma planilha de um financiamento em 12 prestaes mensais de R$ 1.000,00, com entrada de R$ 800,00, taxa d

n
12
n
0
1
2
3
4
5
6
7
8
9
10

i
4.00%
Saldo Inicial
R$ 10,185.07
R$ 9,385.07
R$ 8,760.48
R$ 8,110.90
R$ 7,435.33
R$ 6,732.74
R$ 6,002.05
R$ 5,242.14
R$ 4,451.82
R$ 3,629.90
R$ 2,775.09

PV
10,185.07
Juros
R$R$ 375.40
R$ 350.42
R$ 324.44
R$ 297.41
R$ 269.31
R$ 240.08
R$ 209.69
R$ 178.07
R$ 145.20
R$ 111.00

PMT
R$ 1,000.00
Amortizao
R$800.00
R$ 624.60
R$ 649.58
R$ 675.56
R$ 702.59
R$ 730.69
R$ 759.92
R$ 790.31
R$ 821.93
R$ 854.80
R$ 889.00

Prestao
R$800.00
R$ 1,000.00
R$ 1,000.00
R$ 1,000.00
R$ 1,000.00
R$ 1,000.00
R$ 1,000.00
R$ 1,000.00
R$ 1,000.00
R$ 1,000.00
R$ 1,000.00

Saldo Final
R$9,385.07
R$ 8,760.48
R$ 8,110.90
R$ 7,435.33
R$ 6,732.74
R$ 6,002.05
R$ 5,242.14
R$ 4,451.82
R$ 3,629.90
R$ 2,775.09
R$ 1,886.09

11
12
Total

R$ 1,886.09
R$ 961.54
-

R$ 75.44
R$ 38.46
R$ 2,614.93

R$ 924.56
R$ 961.54
R$ 10,185.07

R$ 1,000.00
R$ 1,000.00
R$ 12,800.00

R$ 961.54
R$ 0.00
-

6 Elabore uma planilha de um financiamento em 60 prestaes mensais de R$ 1.100,00, com entrada de R$ 1.000,00 , taxa
determinando o valor vista:

n
60
n
0
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
30
31
32
33
34

i
2.65%
Saldo Inicial
R$ 33,867.53
R$ 32,867.53
R$ 32,638.52
R$ 32,403.44
R$ 32,162.13
R$ 31,914.42
R$ 31,660.16
R$ 31,399.15
R$ 31,131.23
R$ 30,856.21
R$ 30,573.90
R$ 30,284.10
R$ 29,986.63
R$ 29,681.28
R$ 29,367.83
R$ 29,046.08
R$ 28,715.80
R$ 28,376.77
R$ 28,028.75
R$ 27,671.52
R$ 27,304.81
R$ 26,928.39
R$ 26,541.99
R$ 26,145.35
R$ 25,738.21
R$ 25,320.27
R$ 24,891.26
R$ 24,450.87
R$ 23,998.82
R$ 23,534.79
R$ 23,058.46
R$ 22,569.51
R$ 22,067.60
R$ 21,552.39
R$ 21,023.53

PV
33,867.53
Juros
R$R$ 870.99
R$ 864.92
R$ 858.69
R$ 852.30
R$ 845.73
R$ 838.99
R$ 832.08
R$ 824.98
R$ 817.69
R$ 810.21
R$ 802.53
R$ 794.65
R$ 786.55
R$ 778.25
R$ 769.72
R$ 760.97
R$ 751.98
R$ 742.76
R$ 733.30
R$ 723.58
R$ 713.60
R$ 703.36
R$ 692.85
R$ 682.06
R$ 670.99
R$ 659.62
R$ 647.95
R$ 635.97
R$ 623.67
R$ 611.05
R$ 598.09
R$ 584.79
R$ 571.14
R$ 557.12

PMT
R$ 1,100.00
Amortizao
R$1,000.00
R$ 229.01
R$ 235.08
R$ 241.31
R$ 247.70
R$ 254.27
R$ 261.01
R$ 267.92
R$ 275.02
R$ 282.31
R$ 289.79
R$ 297.47
R$ 305.35
R$ 313.45
R$ 321.75
R$ 330.28
R$ 339.03
R$ 348.02
R$ 357.24
R$ 366.70
R$ 376.42
R$ 386.40
R$ 396.64
R$ 407.15
R$ 417.94
R$ 429.01
R$ 440.38
R$ 452.05
R$ 464.03
R$ 476.33
R$ 488.95
R$ 501.91
R$ 515.21
R$ 528.86
R$ 542.88

Prestao
R$1,000.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00

Saldo Final
R$32,867.53
R$ 32,638.52
R$ 32,403.44
R$ 32,162.13
R$ 31,914.42
R$ 31,660.16
R$ 31,399.15
R$ 31,131.23
R$ 30,856.21
R$ 30,573.90
R$ 30,284.10
R$ 29,986.63
R$ 29,681.28
R$ 29,367.83
R$ 29,046.08
R$ 28,715.80
R$ 28,376.77
R$ 28,028.75
R$ 27,671.52
R$ 27,304.81
R$ 26,928.39
R$ 26,541.99
R$ 26,145.35
R$ 25,738.21
R$ 25,320.27
R$ 24,891.26
R$ 24,450.87
R$ 23,998.82
R$ 23,534.79
R$ 23,058.46
R$ 22,569.51
R$ 22,067.60
R$ 21,552.39
R$ 21,023.53
R$ 20,480.66

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
Total

R$ 20,480.66
R$ 19,923.39
R$ 19,351.36
R$ 18,764.18
R$ 18,161.43
R$ 17,542.70
R$ 16,907.59
R$ 16,255.64
R$ 15,586.41
R$ 14,899.45
R$ 14,194.29
R$ 13,470.43
R$ 12,727.40
R$ 11,964.68
R$ 11,181.74
R$ 10,378.06
R$ 9,553.08
R$ 8,706.23
R$ 7,836.95
R$ 6,944.63
R$ 6,028.66
R$ 5,088.42
R$ 4,123.26
R$ 3,132.53
R$ 2,115.54
R$ 1,071.60
-

R$ 542.74
R$ 527.97
R$ 512.81
R$ 497.25
R$ 481.28
R$ 464.88
R$ 448.05
R$ 430.77
R$ 413.04
R$ 394.84
R$ 376.15
R$ 356.97
R$ 337.28
R$ 317.06
R$ 296.32
R$ 275.02
R$ 253.16
R$ 230.72
R$ 207.68
R$ 184.03
R$ 159.76
R$ 134.84
R$ 109.27
R$ 83.01
R$ 56.06
R$ 28.40
R$ 33,132.47

R$ 557.26
R$ 572.03
R$ 587.19
R$ 602.75
R$ 618.72
R$ 635.12
R$ 651.95
R$ 669.23
R$ 686.96
R$ 705.16
R$ 723.85
R$ 743.03
R$ 762.72
R$ 782.94
R$ 803.68
R$ 824.98
R$ 846.84
R$ 869.28
R$ 892.32
R$ 915.97
R$ 940.24
R$ 965.16
R$ 990.73
R$ 1,016.99
R$ 1,043.94
R$ 1,071.60
R$ 33,867.53

R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$ 1,100.00
R$67,000.00

R$ 19,923.39
R$ 19,351.36
R$ 18,764.18
R$ 18,161.43
R$ 17,542.70
R$ 16,907.59
R$ 16,255.64
R$ 15,586.41
R$ 14,899.45
R$ 14,194.29
R$ 13,470.43
R$ 12,727.40
R$ 11,964.68
R$ 11,181.74
R$ 10,378.06
R$ 9,553.08
R$ 8,706.23
R$ 7,836.95
R$ 6,944.63
R$ 6,028.66
R$ 5,088.42
R$ 4,123.26
R$ 3,132.53
R$ 2,115.54
R$ 1,071.60
R$ (0.00)
-

com entrada de R$ 200,00 , taxa de 1% a.m., determinando o valor das prestaes

com entrada de R$ 500,00 , taxa de 4% a.m., determinando o valor das prestaes

s, com entrada de R$ 10.000,00 , taxa de 2,65% a.m., determinando o valor das prestaes

taxa de 1% a.m., com entrada de R$ 200,00 determinando o valor vista

com entrada de R$ 800,00, taxa de 4% a.m., determinando o valor vista:

com entrada de R$ 1.000,00 , taxa de 2,65% a.m.,