Simula Financiamento TR NOVO

Valor do imóvel R$ 300,000.00 Entrada R$ 150,000.00 50%Taxa de Juros aa 11.0000%Taxa de Juros am 0.8735%TR aa 1.8000%TR am 0.1488%Nº Prestações 180SELIC aa 13.25%

Preencher somente os campos em amarelo

A3

Neste campo, coloque a Taxa de Juros Efetiva do financiamento para ter um valor mais próximo à realidade. Não se esqueça que também entra na conta a TR. Atualmente está bem pequena, mas nos últimos 10 anos já foi maior que 2,5% aa. Veja a aba índices e estime um valor para somar à taxa. SELIC alta = TR alta.

A5

Taxa Referencial. Correção monetária do financiamento.

A7

Sempre em MESES. Máximo de 480 meses = 40 anos.

Valores (R$)k Saldo Devedor Amortização Juros

Valor do imóvel R$ 300,000.00 0 150,000.00 Entrada R$ 150,000.00 50.00% 1 150,223.16 834.57 1,312.14 Taxa de Juros aa 11.0000% 2 149,610.85 835.81 1,306.79 Taxa de Juros am 0.8735% 3 148,996.37 837.06 1,301.42 TR aa 1.8000% 4 148,379.74 838.30 1,296.04 TR am 0.1488% 5 147,760.95 839.55 1,290.63 Nº Prestações 180 6 147,139.98 840.80 1,285.21

7 146,516.84 842.05 1,279.77 Prestação 1 R$ 2,146.71 % princ. 8 145,891.52 843.30 1,274.30 Total amortizado R$ 172,114.48 57.0% 9 145,264.01 844.56 1,268.82 Total de juros pagos R$ 130,026.14 43.0% 10 144,634.32 845.81 1,263.32 Seguros R$ - 0.0% 11 144,002.42 847.07 1,257.80 Taxa de adm. R$ - 0.0% 12 143,368.33 848.33 1,252.26 Total de prestações R$ 302,140.62 13 142,732.04 849.60 1,246.71 Renda Familiar Segura 7,155.70 14 142,093.53 850.86 1,241.13

15 141,452.81 852.13 1,235.53 16 140,809.86 853.39 1,229.92 17 140,164.69 854.66 1,224.28 18 139,517.29 855.93 1,218.63 19 138,867.65 857.21 1,212.95

SELIC aa 13.25% 20 138,215.77 858.48 1,207.26 Poupança aa 8.0692% 21 137,561.64 859.76 1,201.55 Poupança am 0.6488% 22 136,905.26 861.04 1,195.81

23 136,246.62 862.32 1,190.06 24 135,585.72 863.60 1,184.29

Rendim. da entrada 25 134,922.55 864.89 1,178.49 Pelo período do financiamento 480,420.22 26 134,257.11 866.17 1,172.68 Em 5 anos 221,106.38 27 133,589.39 867.46 1,166.85 Em 10 anos 325,920.20 28 132,919.39 868.75 1,161.00 Em 15 anos 480,420.22 29 132,247.09 870.05 1,155.12 Em 20 anos 708,159.83 30 131,572.51 871.34 1,149.23

31 130,895.62 872.64 1,143.32 32 130,216.42 873.94 1,137.39 33 129,534.92 875.24 1,131.43 34 128,851.10 876.54 1,125.46 35 128,164.96 877.84 1,119.47 36 127,476.49 879.15 1,113.46 37 126,785.69 880.46 1,107.42 38 126,092.55 881.77 1,101.37 39 125,397.07 883.08 1,095.29 40 124,699.24 884.39 1,089.20 41 123,999.05 885.71 1,083.08 42 123,296.51 887.03 1,076.94 43 122,591.60 888.34 1,070.79 44 121,884.32 889.67 1,064.61 45 121,174.67 890.99 1,058.41

PREENCHA OS CAMPOS DA PASTA PARÂMETROS. NÃO PREENCHA NADA AQUI! Observe os demais comentários, alguns estão ocultos. Aponte o mouse em cima da célula para que sejam exibidos. Pesquise as taxas na CEF.

A5


A7


A9


C11

Percentual do valor em relação ao total pago.

A13

Lembre-se de que esta informação é meramente figurativa. O correto é trazer todos os juros pagos a valor presente. Tão somente somar os juros pagos não diz nada para o mutuário. O efeito é meramente psicológico.

A17

Considerei como seguro, comprometer 30% da renda bruta familiar para o pagamento da primeira prestação. Lembre-se de que o saldo devedor é corrigido mensalmente pela TR.

A19


A23

Preencha somente o valor da SELIC. Poupança aa e Popança am serão atualizadas automaticamente.

A29

Se investido na poupança em vez de usado para comprar o imóvel, o principal se transformará neste valor ao final do prazo.

46 120,462.63 892.32 1,052.19 47 119,748.21 893.64 1,045.95 48 119,031.39 894.97 1,039.69 49 118,312.18 896.30 1,033.41 50 117,590.56 897.64 1,027.11 51 116,866.53 898.97 1,020.78 52 116,140.09 900.31 1,014.44 53 115,411.23 901.65 1,008.07 54 114,679.94 902.99 1,001.68 55 113,946.23 904.34 995.27 56 113,210.07 905.68 988.84 57 112,471.47 907.03 982.39 58 111,730.43 908.38 975.92 59 110,986.93 909.73 969.43 60 110,240.97 911.08 962.91 61 109,492.54 912.44 956.37 62 108,741.65 913.80 949.81 63 107,988.27 915.15 943.23 64 107,232.42 916.52 936.63 65 106,474.07 917.88 930.01 66 105,713.24 919.25 923.36 67 104,949.90 920.61 916.69 68 104,184.06 921.98 910.01 69 103,415.71 923.35 903.29 70 102,644.84 924.73 896.56 71 101,871.44 926.10 889.81 72 101,095.52 927.48 883.03 73 100,317.07 928.86 876.23 74 99,536.07 930.24 869.41 75 98,752.53 931.63 862.56 76 97,966.44 933.01 855.70 77 97,177.79 934.40 848.81 78 96,386.57 935.79 841.90 79 95,592.79 937.18 834.96 80 94,796.43 938.58 828.01 81 93,997.49 939.97 821.03 82 93,195.96 941.37 814.03 83 92,391.84 942.77 807.01 84 91,585.12 944.18 799.96 85 90,775.80 945.58 792.89 86 89,963.86 946.99 785.80 87 89,149.31 948.40 778.68 88 88,332.14 949.81 771.55 89 87,512.33 951.22 764.38 90 86,689.90 952.64 757.20 91 85,864.82 954.05 749.99 92 85,037.09 955.47 742.76 93 84,206.71 956.89 735.51

94 83,373.67 958.32 728.24 95 82,537.97 959.74 720.94 96 81,699.60 961.17 713.61 97 80,858.54 962.60 706.27 98 80,014.81 964.03 698.90 99 79,168.38 965.47 691.50

100 78,319.26 966.90 684.09 101 77,467.44 968.34 676.65 102 76,612.91 969.78 669.18 103 75,755.67 971.23 661.69 104 74,895.70 972.67 654.18 105 74,033.01 974.12 646.65 106 73,167.59 975.57 639.09 107 72,299.42 977.02 631.51 108 71,428.51 978.47 623.90 109 70,554.85 979.93 616.27 110 69,678.44 981.39 608.61 111 68,799.26 982.85 600.93 112 67,917.30 984.31 593.23 113 67,032.58 985.77 585.50 114 66,145.07 987.24 577.75 115 65,254.76 988.71 569.97 116 64,361.67 990.18 562.17 117 63,465.77 991.65 554.35 118 62,567.07 993.13 546.50 119 61,665.55 994.61 538.62 120 60,761.20 996.09 530.72 121 59,854.03 997.57 522.80 122 58,944.03 999.05 514.85 123 58,031.19 1,000.54 506.88 124 57,115.50 1,002.03 498.88 125 56,196.96 1,003.52 490.86 126 55,275.56 1,005.01 482.81 127 54,351.29 1,006.51 474.74 128 53,424.15 1,008.00 466.64 129 52,494.13 1,009.50 458.51 130 51,561.22 1,011.00 450.37 131 50,625.42 1,012.51 442.19 132 49,686.73 1,014.01 433.99 133 48,745.13 1,015.52 425.77 134 47,800.61 1,017.03 417.52 135 46,853.18 1,018.55 409.24 136 45,902.83 1,020.06 400.94 137 44,949.54 1,021.58 392.62 138 43,993.31 1,023.10 384.26 139 43,034.14 1,024.62 375.89 140 42,072.02 1,026.15 367.48 141 41,106.94 1,027.67 359.05

142 40,138.89 1,029.20 350.60 143 39,167.88 1,030.73 342.12 144 38,193.88 1,032.27 333.61 145 37,216.90 1,033.80 325.07 146 36,236.93 1,035.34 316.51 147 35,253.96 1,036.88 307.93 148 34,267.99 1,038.42 299.32 149 33,279.00 1,039.97 290.68 150 32,287.00 1,041.52 282.01 151 31,291.97 1,043.07 273.32 152 30,293.91 1,044.62 264.60 153 29,292.80 1,046.17 255.86 154 28,288.66 1,047.73 247.09 155 27,281.46 1,049.29 238.29 156 26,271.20 1,050.85 229.47 157 25,257.87 1,052.41 220.62 158 24,241.47 1,053.98 211.74 159 23,221.99 1,055.55 202.83 160 22,199.43 1,057.12 193.90 161 21,173.77 1,058.69 184.94 162 20,145.00 1,060.26 175.96 163 19,113.13 1,061.84 166.95 164 18,078.15 1,063.42 157.91 165 17,040.04 1,065.00 148.84 166 15,998.81 1,066.59 139.74 167 14,954.44 1,068.17 130.62 168 13,906.92 1,069.76 121.47 169 12,856.26 1,071.35 112.29 170 11,802.44 1,072.95 103.09 171 10,745.45 1,074.54 93.86 172 9,685.29 1,076.14 84.60 173 8,621.96 1,077.74 75.31 174 7,555.44 1,079.35 65.99 175 6,485.72 1,080.95 56.65 176 5,412.81 1,082.56 47.28 177 4,336.69 1,084.17 37.88 178 3,257.36 1,085.79 28.45 179 2,174.80 1,087.40 19.00 180 1,089.02 1,089.02 9.51 181 - - - 182 - - - 183 - - - 184 - - - 185 - - - 186 - - - 187 - - - 188 - - - 189 - - -

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382 - - - 383 - - - 384 - - - 385 - - - 386 - - - 387 - - - 388 - - - 389 - - - 390 - - - 391 - - - 392 - - - 393 - - - 394 - - - 395 - - - 396 - - - 397 - - - 398 - - - 399 - - - 400 - - - 401 - - - 402 - - - 403 - - - 404 - - - 405 - - - 406 - - - 407 - - - 408 - - - 409 - - - 410 - - - 411 - - - 412 - - - 413 - - - 414 - - - 415 - - - 416 - - - 417 - - - 418 - - - 419 - - - 420 - - - 421 - - - 422 - - - 423 - - - 424 - - - 425 - - - 426 - - - 427 - - - 428 - - - 429 - - -

430 - - - 431 - - - 432 - - - 433 - - - 434 - - - 435 - - - 436 - - - 437 - - - 438 - - - 439 - - - 440 - - - 441 - - - 442 - - - 443 - - - 444 - - - 445 - - - 446 - - - 447 - - - 448 - - - 449 - - - 450 - - - 451 - - - 452 - - - 453 - - - 454 - - - 455 - - - 456 - - - 457 - - - 458 - - - 459 - - - 460 - - - 461 - - - 462 - - - 463 - - - 464 - - - 465 - - - 466 - - - 467 - - - 468 - - - 469 - - - 470 - - - 471 - - - 472 - - - 473 - - - 474 - - - 475 - - - 476 - - - 477 - - -

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172,114.48 130,026.14

1 8 15 22 29 36 43 50 57 64 71 78 85 92 99 106113120127134141148155162169176183190197204211218225232239246253260267274281288295302309316323330337344351358365372379386393400407414421428435442449456463470477 -

500.00

1,000.00

1,500.00

2,000.00

2,500.00

Prestação

Prestação

Valores (R$) Aluguel (R$)Seguro Tx. Adm Prestação 1,000.00

PR Economia Poupança - - 2,146.71 61.12% 2,146.71 1,146.71 1,146.71 - - 2,142.60 60.99% 2,142.60 1,142.60 2,296.76 - - 2,138.48 60.86% 2,138.48 1,138.48 3,450.14 - - 2,134.34 60.72% 2,134.34 1,134.34 4,606.86 - - 2,130.18 60.59% 2,130.18 1,130.18 5,766.93 - - 2,126.01 60.45% 2,126.01 1,126.01 6,930.36 - - 2,121.82 60.31% 2,121.82 1,121.82 8,097.13 - - 2,117.61 60.18% 2,117.61 1,117.61 9,267.27 - - 2,113.38 60.04% 2,113.38 1,113.38 10,440.78 - - 2,109.14 59.90% 2,109.14 1,109.14 11,617.65 - - 2,104.88 59.76% 2,104.88 1,104.88 12,797.90 - - 2,100.60 59.61% 2,100.60 1,100.60 13,981.53 - - 2,096.30 59.47% 2,096.30 1,096.30 15,168.54 - - 2,091.99 59.33% 2,091.99 1,091.99 16,358.94 - - 2,087.66 59.18% 2,087.66 1,087.66 17,552.73 - - 2,083.31 59.04% 2,083.31 1,083.31 18,749.91 - - 2,078.94 58.89% 2,078.94 1,078.94 19,950.50 - - 2,074.56 58.74% 2,074.56 1,074.56 21,154.50 - - 2,070.16 58.59% 2,070.16 1,070.16 22,361.91 - - 2,065.74 58.44% 2,065.74 1,065.74 23,572.73 - - 2,061.31 58.29% 2,061.31 1,061.31 24,786.97 - - 2,056.85 58.14% 2,056.85 1,056.85 26,004.63 - - 2,052.38 57.98% 2,052.38 1,052.38 27,225.72 - - 2,047.89 57.83% 2,047.89 1,047.89 28,450.24 - - 2,043.38 57.67% 2,043.38 1,043.38 29,678.20 - - 2,038.86 57.52% 2,038.86 1,038.86 30,909.61 - - 2,034.31 57.36% 2,034.31 1,034.31 32,144.45 - - 2,029.75 57.20% 2,029.75 1,029.75 33,382.75 - - 2,025.17 57.04% 2,025.17 1,025.17 34,624.50 - - 2,020.57 56.88% 2,020.57 1,020.57 35,869.71 - - 2,015.96 56.71% 2,015.96 1,015.96 37,118.38 - - 2,011.32 56.55% 2,011.32 1,011.32 38,370.52 - - 2,006.67 56.38% 2,006.67 1,006.67 39,626.13 - - 2,002.00 56.22% 2,002.00 1,002.00 40,885.21 - - 1,997.31 56.05% 1,997.31 997.31 42,147.78 - - 1,992.60 55.88% 1,992.60 992.60 43,413.83 - - 1,987.88 55.71% 1,987.88 987.88 44,683.36 - - 1,983.13 55.54% 1,983.13 983.13 45,956.39 - - 1,978.37 55.36% 1,978.37 978.37 47,232.92 - - 1,973.59 55.19% 1,973.59 973.59 48,512.94 - - 1,968.79 55.01% 1,968.79 968.79 49,796.47 - - 1,963.97 54.84% 1,963.97 963.97 51,083.51 - - 1,959.13 54.66% 1,959.13 959.13 52,374.06 - - 1,954.28 54.48% 1,954.28 954.28 53,668.13 - - 1,949.40 54.29% 1,949.40 949.40 54,965.71

% da prestação utilizado para pagar juros

H2

A CEF cobra um seguro em caso de morte e um seguro de danos ao imóvel. Não conheço a metodologia de cálculo.

I2

Em geral R$ 25,00/mês. A CEF cobra mensalmente. Quanto menor o tempo do financiamento, menos taxas paga-se. É muito melhor abater o saldo devedor do que adiantar prestações. A CEF não desconta a taxa de adm e o seguro das prestações abatidas.

N2

Coloque um valor de aluguel para simular a poupança da diferença entre aluguel e prestação. Você também pode incluir neste campo as despesas com condomínio.

L3

PROVA REAL: d0 : valor financiado n : número de períodos t : taxa de correção monetária ou TR j : taxa de juros k : período 1 – A prestação pode ser escrita como: p(k) = d0 * {[1 + (n - k + 1) * j] / n} * (1 + t) ^ k

O3

Valor acumulado pelo período do financiamento, caso a diferença entre a prestação e o aluguel seja investida na poupança. É uma simulação bem tosca, que não leva em conta aumento de aluguel, imprevistos, etc., mas dá uma noção do poder de economia que temos com nossa renda.

H4

Apenas exemplificativo. Preencha o valor e copie para as células de baixo.

I4


- - 1,944.51 54.11% 1,944.51 944.51 56,266.83 - - 1,939.60 53.93% 1,939.60 939.60 57,571.47 - - 1,934.66 53.74% 1,934.66 934.66 58,879.64 - - 1,929.71 53.55% 1,929.71 929.71 60,191.35 - - 1,924.74 53.36% 1,924.74 924.74 61,506.60 - - 1,919.76 53.17% 1,919.76 919.76 62,825.40 - - 1,914.75 52.98% 1,914.75 914.75 64,147.74 - - 1,909.72 52.79% 1,909.72 909.72 65,473.64 - - 1,904.67 52.59% 1,904.67 904.67 66,803.09 - - 1,899.61 52.39% 1,899.61 899.61 68,136.10 - - 1,894.52 52.19% 1,894.52 894.52 69,472.68 - - 1,889.42 51.99% 1,889.42 889.42 70,812.82 - - 1,884.30 51.79% 1,884.30 884.30 72,156.54 - - 1,879.15 51.59% 1,879.15 879.15 73,503.83 - - 1,873.99 51.38% 1,873.99 873.99 74,854.69 - - 1,868.81 51.18% 1,868.81 868.81 76,209.14 - - 1,863.61 50.97% 1,863.61 863.61 77,567.18 - - 1,858.39 50.76% 1,858.39 858.39 78,928.81 - - 1,853.15 50.54% 1,853.15 853.15 80,294.03 - - 1,847.89 50.33% 1,847.89 847.89 81,662.84 - - 1,842.61 50.11% 1,842.61 842.61 83,035.26 - - 1,837.31 49.89% 1,837.31 837.31 84,411.28 - - 1,831.99 49.67% 1,831.99 831.99 85,790.91 - - 1,826.65 49.45% 1,826.65 826.65 87,174.15 - - 1,821.29 49.23% 1,821.29 821.29 88,561.00 - - 1,815.91 49.00% 1,815.91 815.91 89,951.48 - - 1,810.51 48.77% 1,810.51 810.51 91,345.57 - - 1,805.09 48.54% 1,805.09 805.09 92,743.29 - - 1,799.65 48.31% 1,799.65 799.65 94,144.64 - - 1,794.19 48.08% 1,794.19 794.19 95,549.62 - - 1,788.71 47.84% 1,788.71 788.71 96,958.23 - - 1,783.21 47.60% 1,783.21 783.21 98,370.48 - - 1,777.69 47.36% 1,777.69 777.69 99,786.38 - - 1,772.15 47.12% 1,772.15 772.15 101,205.92 - - 1,766.59 46.87% 1,766.59 766.59 102,629.10 - - 1,761.00 46.62% 1,761.00 761.00 104,055.94 - - 1,755.40 46.37% 1,755.40 755.40 105,486.44 - - 1,749.78 46.12% 1,749.78 749.78 106,920.59 - - 1,744.14 45.87% 1,744.14 744.14 108,358.40 - - 1,738.47 45.61% 1,738.47 738.47 109,799.87 - - 1,732.79 45.35% 1,732.79 732.79 111,245.01 - - 1,727.08 45.09% 1,727.08 727.08 112,693.83 - - 1,721.35 44.82% 1,721.35 721.35 114,146.31 - - 1,715.61 44.55% 1,715.61 715.61 115,602.47 - - 1,709.84 44.28% 1,709.84 709.84 117,062.31 - - 1,704.05 44.01% 1,704.05 704.05 118,525.83 - - 1,698.24 43.74% 1,698.24 698.24 119,993.03 - - 1,692.41 43.46% 1,692.41 692.41 121,463.93

- - 1,686.55 43.18% 1,686.55 686.55 122,938.51 - - 1,680.68 42.90% 1,680.68 680.68 124,416.79 - - 1,674.78 42.61% 1,674.78 674.78 125,898.76 - - 1,668.87 42.32% 1,668.87 668.87 127,384.43 - - 1,662.93 42.03% 1,662.93 662.93 128,873.80 - - 1,656.97 41.73% 1,656.97 656.97 130,366.87 - - 1,650.99 41.43% 1,650.99 650.99 131,863.65 - - 1,644.99 41.13% 1,644.99 644.99 133,364.14 - - 1,638.97 40.83% 1,638.97 638.97 134,868.35 - - 1,632.92 40.52% 1,632.92 632.92 136,376.26 - - 1,626.85 40.21% 1,626.85 626.85 137,887.89 - - 1,620.77 39.90% 1,620.77 620.77 139,403.24 - - 1,614.66 39.58% 1,614.66 614.66 140,922.32 - - 1,608.53 39.26% 1,608.53 608.53 142,445.11 - - 1,602.37 38.94% 1,602.37 602.37 143,971.64 - - 1,596.20 38.61% 1,596.20 596.20 145,501.89 - - 1,590.00 38.28% 1,590.00 590.00 147,035.87 - - 1,583.78 37.94% 1,583.78 583.78 148,573.58 - - 1,577.54 37.60% 1,577.54 577.54 150,115.03 - - 1,571.28 37.26% 1,571.28 571.28 151,660.22 - - 1,564.99 36.92% 1,564.99 564.99 153,209.14 - - 1,558.68 36.57% 1,558.68 558.68 154,761.81 - - 1,552.35 36.21% 1,552.35 552.35 156,318.22 - - 1,546.00 35.86% 1,546.00 546.00 157,878.38 - - 1,539.63 35.50% 1,539.63 539.63 159,442.28 - - 1,533.23 35.13% 1,533.23 533.23 161,009.94 - - 1,526.81 34.76% 1,526.81 526.81 162,581.34 - - 1,520.37 34.39% 1,520.37 520.37 164,156.50 - - 1,513.90 34.01% 1,513.90 513.90 165,735.41 - - 1,507.42 33.63% 1,507.42 507.42 167,318.08 - - 1,500.91 33.24% 1,500.91 500.91 168,904.51 - - 1,494.37 32.85% 1,494.37 494.37 170,494.69 - - 1,487.82 32.45% 1,487.82 487.82 172,088.64 - - 1,481.24 32.05% 1,481.24 481.24 173,686.36 - - 1,474.64 31.64% 1,474.64 474.64 175,287.83 - - 1,468.02 31.23% 1,468.02 468.02 176,893.08 - - 1,461.37 30.82% 1,461.37 461.37 178,502.09 - - 1,454.70 30.40% 1,454.70 454.70 180,114.87 - - 1,448.01 29.97% 1,448.01 448.01 181,731.42 - - 1,441.29 29.54% 1,441.29 441.29 183,351.74 - - 1,434.55 29.10% 1,434.55 434.55 184,975.84 - - 1,427.79 28.66% 1,427.79 427.79 186,603.71 - - 1,421.01 28.22% 1,421.01 421.01 188,235.36 - - 1,414.20 27.76% 1,414.20 414.20 189,870.78 - - 1,407.36 27.30% 1,407.36 407.36 191,509.98 - - 1,400.51 26.84% 1,400.51 400.51 193,152.96 - - 1,393.63 26.37% 1,393.63 393.63 194,799.72 - - 1,386.73 25.89% 1,386.73 386.73 196,450.26

- - 1,379.80 25.41% 1,379.80 379.80 198,104.58 - - 1,372.85 24.92% 1,372.85 372.85 199,762.69 - - 1,365.88 24.42% 1,365.88 365.88 201,424.58 - - 1,358.88 23.92% 1,358.88 358.88 203,090.25 - - 1,351.86 23.41% 1,351.86 351.86 204,759.71 - - 1,344.81 22.90% 1,344.81 344.81 206,432.95 - - 1,337.74 22.37% 1,337.74 337.74 208,109.98 - - 1,330.65 21.84% 1,330.65 330.65 209,790.80 - - 1,323.53 21.31% 1,323.53 323.53 211,475.40 - - 1,316.39 20.76% 1,316.39 316.39 213,163.79 - - 1,309.22 20.21% 1,309.22 309.22 214,855.97 - - 1,302.03 19.65% 1,302.03 302.03 216,551.94 - - 1,294.82 19.08% 1,294.82 294.82 218,251.70 - - 1,287.58 18.51% 1,287.58 287.58 219,955.24 - - 1,280.32 17.92% 1,280.32 280.32 221,662.57 - - 1,273.03 17.33% 1,273.03 273.03 223,373.70 - - 1,265.72 16.73% 1,265.72 265.72 225,088.61 - - 1,258.38 16.12% 1,258.38 258.38 226,807.31 - - 1,251.02 15.50% 1,251.02 251.02 228,529.80 - - 1,243.63 14.87% 1,243.63 243.63 230,256.08 - - 1,236.22 14.23% 1,236.22 236.22 231,986.15 - - 1,228.79 13.59% 1,228.79 228.79 233,720.01 - - 1,221.33 12.93% 1,221.33 221.33 235,457.66 - - 1,213.84 12.26% 1,213.84 213.84 237,199.09 - - 1,206.33 11.58% 1,206.33 206.33 238,944.31 - - 1,198.79 10.90% 1,198.79 198.79 240,693.32 - - 1,191.23 10.20% 1,191.23 191.23 242,446.12 - - 1,183.65 9.49% 1,183.65 183.65 244,202.70 - - 1,176.04 8.77% 1,176.04 176.04 245,963.07 - - 1,168.40 8.03% 1,168.40 168.40 247,727.22 - - 1,160.74 7.29% 1,160.74 160.74 249,495.16 - - 1,153.05 6.53% 1,153.05 153.05 251,266.88 - - 1,145.34 5.76% 1,145.34 145.34 253,042.38 - - 1,137.60 4.98% 1,137.60 137.60 254,821.67 - - 1,129.84 4.18% 1,129.84 129.84 256,604.73 - - 1,122.05 3.38% 1,122.05 122.05 258,391.57 - - 1,114.24 2.55% 1,114.24 114.24 260,182.20 - - 1,106.40 1.72% 1,106.40 106.40 261,976.59 - - 1,098.53 0.87% 1,098.53 98.53 263,774.77 - - - 0.00% - - 265,486.08 - - - 0.00% - - 267,208.49 - - - 0.00% - - 268,942.07 - - - 0.00% - - 270,686.91 - - - 0.00% - - 272,443.06 - - - 0.00% - - 274,210.61 - - - 0.00% - - 275,989.62 - - - 0.00% - - 277,780.18 - - - 0.00% - - 279,582.35

- - - 0.00% - - 281,396.21 - - - 0.00% - - 283,221.85 - - - 0.00% - - 285,059.32 - - - 0.00% - - 286,908.72 - - - 0.00% - - 288,770.12 - - - 0.00% - - 290,643.59 - - - 0.00% - - 292,529.22 - - - 0.00% - - 294,427.08 - - - 0.00% - - 296,337.25 - - - 0.00% - - 298,259.82 - - - 0.00% - - 300,194.86 - - - 0.00% - - 302,142.45 - - - 0.00% - - 304,102.68 - - - 0.00% - - 306,075.63 - - - 0.00% - - 308,061.38 - - - 0.00% - - 310,060.01 - - - 0.00% - - 312,071.60 - - - 0.00% - - 314,096.25 - - - 0.00% - - 316,134.03 - - - 0.00% - - 318,185.04 - - - 0.00% - - 320,249.35 - - - 0.00% - - 322,327.05 - - - 0.00% - - 324,418.23 - - - 0.00% - - 326,522.98 - - - 0.00% - - 328,641.39 - - - 0.00% - - 330,773.53 - - - 0.00% - - 332,919.51 - - - 0.00% - - 335,079.42 - - - 0.00% - - 337,253.34 - - - 0.00% - - 339,441.36 - - - 0.00% - - 341,643.57 - - - 0.00% - - 343,860.08 - - - 0.00% - - 346,090.96 - - - 0.00% - - 348,336.32 - - - 0.00% - - 350,596.24 - - - 0.00% - - 352,870.83 - - - 0.00% - - 355,160.17 - - - 0.00% - - 357,464.37 - - - 0.00% - - 359,783.51 - - - 0.00% - - 362,117.70 - - - 0.00% - - 364,467.04 - - - 0.00% - - 366,831.61 - - - 0.00% - - 369,211.53 - - - 0.00% - - 371,606.89 - - - 0.00% - - 374,017.79 - - - 0.00% - - 376,444.33 - - - 0.00% - - 378,886.61 - - - 0.00% - - 381,344.74

- - - 0.00% - - 383,818.81 - - - 0.00% - - 386,308.94 - - - 0.00% - - 388,815.22 - - - 0.00% - - 391,337.76 - - - 0.00% - - 393,876.67 - - - 0.00% - - 396,432.05 - - - 0.00% - - 399,004.01 - - - 0.00% - - 401,592.65 - - - 0.00% - - 404,198.09 - - - 0.00% - - 406,820.43 - - - 0.00% - - 409,459.79 - - - 0.00% - - 412,116.27 - - - 0.00% - - 414,789.98 - - - 0.00% - - 417,481.04 - - - 0.00% - - 420,189.56 - - - 0.00% - - 422,915.65 - - - 0.00% - - 425,659.43 - - - 0.00% - - 428,421.01 - - - 0.00% - - 431,200.50 - - - 0.00% - - 433,998.03 - - - 0.00% - - 436,813.71 - - - 0.00% - - 439,647.65 - - - 0.00% - - 442,499.98 - - - 0.00% - - 445,370.82 - - - 0.00% - - 448,260.28 - - - 0.00% - - 451,168.49 - - - 0.00% - - 454,095.56 - - - 0.00% - - 457,041.63 - - - 0.00% - - 460,006.81 - - - 0.00% - - 462,991.22 - - - 0.00% - - 465,995.00 - - - 0.00% - - 469,018.27 - - - 0.00% - - 472,061.15 - - - 0.00% - - 475,123.77 - - - 0.00% - - 478,206.26 - - - 0.00% - - 481,308.75 - - - 0.00% - - 484,431.37 - - - 0.00% - - 487,574.25 - - - 0.00% - - 490,737.52 - - - 0.00% - - 493,921.31 - - - 0.00% - - 497,125.75 - - - 0.00% - - 500,350.99 - - - 0.00% - - 503,597.15 - - - 0.00% - - 506,864.37 - - - 0.00% - - 510,152.78 - - - 0.00% - - 513,462.54 - - - 0.00% - - 516,793.76 - - - 0.00% - - 520,146.60

- - - 0.00% - - 523,521.19 - - - 0.00% - - 526,917.67 - - - 0.00% - - 530,336.19 - - - 0.00% - - 533,776.88 - - - 0.00% - - 537,239.90 - - - 0.00% - - 540,725.39 - - - 0.00% - - 544,233.49 - - - 0.00% - - 547,764.35 - - - 0.00% - - 551,318.11 - - - 0.00% - - 554,894.94 - - - 0.00% - - 558,494.97 - - - 0.00% - - 562,118.35 - - - 0.00% - - 565,765.24 - - - 0.00% - - 569,435.79 - - - 0.00% - - 573,130.16 - - - 0.00% - - 576,848.49 - - - 0.00% - - 580,590.95 - - - 0.00% - - 584,357.69 - - - 0.00% - - 588,148.87 - - - 0.00% - - 591,964.64 - - - 0.00% - - 595,805.16 - - - 0.00% - - 599,670.61 - - - 0.00% - - 603,561.13 - - - 0.00% - - 607,476.89 - - - 0.00% - - 611,418.06 - - - 0.00% - - 615,384.80 - - - 0.00% - - 619,377.27 - - - 0.00% - - 623,395.65 - - - 0.00% - - 627,440.09 - - - 0.00% - - 631,510.77 - - - 0.00% - - 635,607.87 - - - 0.00% - - 639,731.54 - - - 0.00% - - 643,881.97 - - - 0.00% - - 648,059.33 - - - 0.00% - - 652,263.78 - - - 0.00% - - 656,495.52 - - - 0.00% - - 660,754.71 - - - 0.00% - - 665,041.53 - - - 0.00% - - 669,356.16 - - - 0.00% - - 673,698.79 - - - 0.00% - - 678,069.59 - - - 0.00% - - 682,468.74 - - - 0.00% - - 686,896.44 - - - 0.00% - - 691,352.86 - - - 0.00% - - 695,838.20 - - - 0.00% - - 700,352.63 - - - 0.00% - - 704,896.36 - - - 0.00% - - 709,469.56

- - - 0.00% - - 714,072.43 - - - 0.00% - - 718,705.17 - - - 0.00% - - 723,367.96 - - - 0.00% - - 728,061.00 - - - 0.00% - - 732,784.49 - - - 0.00% - - 737,538.62 - - - 0.00% - - 742,323.60 - - - 0.00% - - 747,139.62 - - - 0.00% - - 751,986.89 - - - 0.00% - - 756,865.60 - - - 0.00% - - 761,775.97 - - - 0.00% - - 766,718.19 - - - 0.00% - - 771,692.48 - - - 0.00% - - 776,699.04 - - - 0.00% - - 781,738.08 - - - 0.00% - - 786,809.81 - - - 0.00% - - 791,914.45 - - - 0.00% - - 797,052.21 - - - 0.00% - - 802,223.30 - - - 0.00% - - 807,427.93 - - - 0.00% - - 812,666.34 - - - 0.00% - - 817,938.72 - - - 0.00% - - 823,245.32 - - - 0.00% - - 828,586.34 - - - 0.00% - - 833,962.01 - - - 0.00% - - 839,372.56 - - - 0.00% - - 844,818.22 - - - 0.00% - - 850,299.20 - - - 0.00% - - 855,815.74 - - - 0.00% - - 861,368.07 - - - 0.00% - - 866,956.43 - - - 0.00% - - 872,581.04 - - - 0.00% - - 878,242.14 - - - 0.00% - - 883,939.97 - - - 0.00% - - 889,674.76 - - - 0.00% - - 895,446.76 - - - 0.00% - - 901,256.21 - - - 0.00% - - 907,103.35 - - - 0.00% - - 912,988.42 - - - 0.00% - - 918,911.68 - - - 0.00% - - 924,873.36 - - - 0.00% - - 930,873.72 - - - 0.00% - - 936,913.01 - - - 0.00% - - 942,991.49 - - - 0.00% - - 949,109.39 - - - 0.00% - - 955,266.99 - - - 0.00% - - 961,464.54 - - - 0.00% - - 967,702.30

- - - 0.00% - - 973,980.52 - - - 0.00% - - 980,299.48 - - - 0.00% - - 986,659.43 - - - 0.00% - - 993,060.65 - - - 0.00% - - 999,503.39 - - - 0.00% - - 1,005,987.94 - - - 0.00% - - 1,012,514.55 - - - 0.00% - - 1,019,083.51 - - - 0.00% - - 1,025,695.08 - - - 0.00% - - 1,032,349.55 - - - 0.00% - - 1,039,047.19 - - - 0.00% - - 1,045,788.29 - - - 0.00% - - 1,052,573.12 - - - 0.00% - - 1,059,401.97 - - - 0.00% - - 1,066,275.12 - - - 0.00% - - 1,073,192.86 - - - 0.00% - - 1,080,155.48 - - - 0.00% - - 1,087,163.28 - - - 0.00% - - 1,094,216.54 - - - 0.00% - - 1,101,315.56 - - - 0.00% - - 1,108,460.64 - - - 0.00% - - 1,115,652.07 - - - 0.00% - - 1,122,890.16 - - - 0.00% - - 1,130,175.21 - - - 0.00% - - 1,137,507.52 - - - 0.00% - - 1,144,887.40 - - - 0.00% - - 1,152,315.16 - - - 0.00% - - 1,159,791.11 - - - 0.00% - - 1,167,315.56 - - - 0.00% - - 1,174,888.83 - - - 0.00% - - 1,182,511.24 - - - 0.00% - - 1,190,183.09 - - - 0.00% - - 1,197,904.72 - - - 0.00% - - 1,205,676.45 - - - 0.00% - - 1,213,498.59 - - - 0.00% - - 1,221,371.49 - - - 0.00% - - 1,229,295.46 - - - 0.00% - - 1,237,270.84 - - - 0.00% - - 1,245,297.96 - - - 0.00% - - 1,253,377.16 - - - 0.00% - - 1,261,508.78 - - - 0.00% - - 1,269,693.15 - - - 0.00% - - 1,277,930.62 - - - 0.00% - - 1,286,221.54 - - - 0.00% - - 1,294,566.24 - - - 0.00% - - 1,302,965.08 - - - 0.00% - - 1,311,418.42 - - - 0.00% - - 1,319,926.59

- - - 0.00% - - 1,328,489.97 - - - 0.00% - - 1,337,108.90 - - - 0.00% - - 1,345,783.75 - - - 0.00% - - 1,354,514.87 - - - 0.00% - - 1,363,302.65 - - - 0.00% - - 1,372,147.44 - - - 0.00% - - 1,381,049.61 - - - 0.00% - - 1,390,009.53 - - - 0.00% - - 1,399,027.59 - - - 0.00% - - 1,408,104.15 - - - 0.00% - - 1,417,239.60 - - - 0.00% - - 1,426,434.32 - - - 0.00% - - 1,435,688.69 - - - 0.00% - - 1,445,003.10 - - - 0.00% - - 1,454,377.94 - - - 0.00% - - 1,463,813.61 - - - 0.00% - - 1,473,310.49 - - - 0.00% - - 1,482,868.98 - - - 0.00% - - 1,492,489.49 - - - 0.00% - - 1,502,172.41 - - - 0.00% - - 1,511,918.15 - - - 0.00% - - 1,521,727.12 - - - 0.00% - - 1,531,599.73 - - - 0.00% - - 1,541,536.39 - - - 0.00% - - 1,551,537.52 - - - 0.00% - - 1,561,603.53 - - - 0.00% - - 1,571,734.84 - - - 0.00% - - 1,581,931.89 - - - 0.00% - - 1,592,195.09 - - - 0.00% - - 1,602,524.88 - - - 0.00% - - 1,612,921.69 - - - 0.00% - - 1,623,385.95 - - - 0.00% - - 1,633,918.09 - - - 0.00% - - 1,644,518.57 - - - 0.00% - - 1,655,187.82 - - - 0.00% - - 1,665,926.29 - - - 0.00% - - 1,676,734.43 - - - 0.00% - - 1,687,612.69 - - - 0.00% - - 1,698,561.53 - - - 0.00% - - 1,709,581.40 - - - 0.00% - - 1,720,672.76 - - - 0.00% - - 1,731,836.08 - - - 0.00% - - 1,743,071.83 - - - 0.00% - - 1,754,380.47 - - - 0.00% - - 1,765,762.48 - - - 0.00% - - 1,777,218.33 - - - 0.00% - - 1,788,748.50 - - - 0.00% - - 1,800,353.49

- - - 0.00% - - 1,812,033.76 - - - 0.00% - - 1,823,789.81 - - - 0.00% - - 1,835,622.13

- - 302,140.62

1 8 15 22 29 36 43 50 57 64 71 78 85 92 99 106113120127134141148155162169176183190197204211218225232239246253260267274281288295302309316323330337344351358365372379386393400407414421428435442449456463470477 -

500.00

1,000.00

1,500.00

2,000.00

2,500.00

Prestação

Prestação

Entrada (R$) Adicional (R$) 150,000.00 200.00

Acumulado Poupança Ad. Total Poup 150,973.16 200.00 152,319.88 151,952.64 401.30 154,650.70 152,938.48 603.90 156,992.52 153,930.71 807.82 159,345.39 154,929.37 1,013.06 161,709.36 155,934.52 1,219.63 164,084.50 156,946.18 1,427.55 166,470.86 157,964.41 1,636.81 168,868.49 158,989.25 1,847.43 171,277.45 160,020.73 2,059.41 173,697.80 161,058.91 2,272.77 176,129.58 162,103.82 2,487.52 178,572.87 163,155.52 2,703.66 181,027.71 164,214.03 2,921.20 183,494.16 165,279.41 3,140.15 185,972.29 166,351.71 3,360.52 188,462.14 167,430.96 3,582.32 190,963.79 168,517.21 3,805.57 193,477.27 169,610.51 4,030.25 196,002.67 170,710.90 4,256.40 198,540.03 171,818.44 4,484.02 201,089.42 172,933.15 4,713.11 203,650.89 174,055.10 4,943.69 206,224.51 175,184.33 5,175.76 208,810.33 176,320.89 5,409.34 211,408.43 177,464.82 5,644.43 214,018.85 178,616.17 5,881.05 216,641.67 179,774.99 6,119.21 219,276.94 180,941.32 6,358.91 221,924.73 182,115.23 6,600.16 224,585.10 183,296.75 6,842.98 227,258.11 184,485.94 7,087.38 229,943.83 185,682.84 7,333.36 232,642.33 186,887.50 7,580.94 235,353.65 188,099.99 7,830.12 238,077.88 189,320.33 8,080.92 240,815.08 190,548.60 8,333.35 243,565.31 191,784.84 8,587.41 246,328.64 193,029.09 8,843.12 249,105.13 194,281.42 9,100.50 251,894.86 195,541.87 9,359.54 254,697.88 196,810.50 9,620.26 257,514.27 198,087.36 9,882.68 260,344.10 199,372.50 10,146.79 263,187.42 200,665.99 10,412.62 266,044.32

Digite um valor adicional que você tem condições de economizar mensalmente para aumentar sua poupança para compra do imóvel.

P1

Não preencher este campo. É o mesmo valor digitado como entrada.

Q1


P3

Valor disponível para dar entrada no imóvel, corrigido pela rentabilidade da poupança ao longo do tempo.

201,967.86 10,680.18 268,914.86 203,278.18 10,949.47 271,799.12 204,597.00 11,220.50 274,697.15 205,924.38 11,493.30 277,609.03 207,260.37 11,767.87 280,534.84 208,605.02 12,044.21 283,474.64 209,958.41 12,322.35 286,428.50 211,320.57 12,602.30 289,396.50 212,691.56 12,884.06 292,378.71 214,071.46 13,167.65 295,375.21 215,460.30 13,453.08 298,386.06 216,858.16 13,740.36 301,411.34 218,265.08 14,029.50 304,451.12 219,681.14 14,320.52 307,505.48 221,106.38 14,613.43 310,574.50 5 anos 222,540.86 14,908.24 313,658.24 223,984.66 15,204.96 316,756.79 225,437.81 15,503.61 319,870.23 226,900.40 15,804.19 322,998.62 228,372.48 16,106.72 326,142.05 229,854.11 16,411.22 329,300.59 231,345.35 16,717.69 332,474.32 232,846.26 17,026.15 335,663.32 234,356.91 17,336.61 338,867.68 235,877.36 17,649.09 342,087.46 237,407.68 17,963.59 345,322.75 238,947.93 18,280.14 348,573.64 240,498.17 18,598.73 351,840.19 242,058.46 18,919.40 355,122.50 243,628.88 19,242.14 358,420.64 245,209.49 19,566.98 361,734.70 246,800.35 19,893.93 365,064.76 248,401.53 20,222.99 368,410.90 250,013.10 20,554.20 371,773.22 251,635.13 20,887.55 375,151.78 253,267.68 21,223.06 378,546.68 254,910.82 21,560.75 381,958.01 256,564.62 21,900.63 385,385.84 258,229.15 22,242.72 388,830.27 259,904.48 22,587.02 392,291.38 261,590.68 22,933.56 395,769.26 263,287.82 23,282.35 399,264.00 264,995.97 23,633.40 402,775.68 266,715.20 23,986.73 406,304.40 268,445.59 24,342.35 409,850.25 270,187.20 24,700.28 413,413.31 271,940.11 25,060.53 416,993.67 273,704.39 25,423.11 420,591.43

275,480.12 25,788.05 424,206.69 277,267.37 26,155.36 427,839.52 279,066.22 26,525.05 431,490.03 280,876.74 26,897.14 435,158.30 282,699.00 27,271.64 438,844.44 284,533.08 27,648.57 442,548.53 286,379.07 28,027.95 446,270.67 288,237.03 28,409.79 450,010.96 290,107.04 28,794.10 453,769.49 291,989.19 29,180.91 457,546.36 293,883.55 29,570.23 461,341.67 295,790.19 29,962.08 465,155.51 297,709.21 30,356.46 468,987.99 299,640.68 30,753.41 472,839.20 301,584.68 31,152.93 476,709.24 303,541.29 31,555.04 480,598.22 305,510.59 31,959.76 484,506.22 307,492.67 32,367.11 488,433.37 309,487.61 32,777.10 492,379.75 311,495.50 33,189.75 496,345.47 313,516.41 33,605.08 500,330.63 315,550.43 34,023.10 504,335.34 317,597.64 34,443.84 508,359.70 319,658.14 34,867.30 512,403.82 321,732.01 35,293.51 516,467.80 323,819.33 35,722.49 520,551.75 325,920.20 36,154.24 524,655.78 10 anos 328,034.69 36,588.81 528,779.99 330,162.90 37,026.18 532,924.50 332,304.92 37,466.40 537,089.40 334,460.84 37,909.48 541,274.82 336,630.74 38,355.42 545,480.86 338,814.72 38,804.26 549,707.63 341,012.87 39,256.02 553,955.25 343,225.28 39,710.70 558,223.82 345,452.05 40,168.33 562,513.46 347,693.26 40,628.94 566,824.29 349,949.01 41,092.53 571,156.41 352,219.40 41,559.13 575,509.95 354,504.52 42,028.75 579,885.01 356,804.46 42,501.43 584,281.73 359,119.32 42,977.16 588,700.20 361,449.21 43,455.99 593,140.55 363,794.20 43,937.92 597,602.91 366,154.42 44,422.98 602,087.38 368,529.94 44,911.19 606,594.09 370,920.87 45,402.56 611,123.16 373,327.32 45,897.12 615,674.71

375,749.38 46,394.89 620,248.86 378,187.16 46,895.89 624,845.74 380,640.75 47,400.14 629,465.47 383,110.25 47,907.66 634,108.17 385,595.78 48,418.48 638,773.97 388,097.44 48,932.60 643,462.99 390,615.32 49,450.07 648,175.37 393,149.54 49,970.89 652,911.23 395,700.21 50,495.09 657,670.69 398,267.42 51,022.69 662,453.90 400,851.28 51,553.71 667,260.96 403,451.91 52,088.18 672,092.03 406,069.41 52,626.11 676,947.22 408,703.90 53,167.54 681,826.68 411,355.47 53,712.48 686,730.52 414,024.25 54,260.95 691,658.90 416,710.34 54,812.98 696,611.94 419,413.86 55,368.60 701,589.77 422,134.92 55,927.82 706,592.54 424,873.63 56,490.66 711,620.38 427,630.11 57,057.16 716,673.43 430,404.48 57,627.33 721,751.82 433,196.84 58,201.21 726,855.70 436,007.32 58,778.80 731,985.21 438,836.03 59,360.15 737,140.49 441,683.10 59,945.26 742,321.68 444,548.63 60,534.17 747,528.93 447,432.76 61,126.90 752,762.37 450,335.60 61,723.48 758,022.15 453,257.27 62,323.93 763,308.42 456,197.90 62,928.27 768,621.33 459,157.60 63,536.53 773,961.02 462,136.51 64,148.74 779,327.64 465,134.74 64,764.93 784,721.34 468,152.43 65,385.11 790,142.27 471,189.69 66,009.31 795,590.57 474,246.66 66,637.56 801,066.42 477,323.46 67,269.89 806,569.95 480,420.22 67,906.32 812,101.31 15 anos 483,537.08 68,546.88 817,570.04 486,674.15 69,191.60 823,074.24 489,831.58 69,840.50 828,614.15 493,009.49 70,493.61 834,190.01 496,208.02 71,150.95 839,802.03 499,427.30 71,812.56 845,450.47 502,667.47 72,478.47 851,135.56 505,928.66 73,148.69 856,857.53 509,211.01 73,823.26 862,616.62

512,514.65 74,502.21 868,413.07 515,839.72 75,185.56 874,247.13 519,186.37 75,873.35 880,119.04 522,554.73 76,565.60 886,029.05 525,944.94 77,262.34 891,977.40 529,357.15 77,963.60 897,964.34 532,791.49 78,669.41 903,990.12 536,248.12 79,379.79 910,054.99 539,727.17 80,094.79 916,159.22 543,228.79 80,814.43 922,303.04 546,753.14 81,538.73 928,486.73 550,300.34 82,267.74 934,710.53 553,870.56 83,001.47 940,974.72 557,463.94 83,739.97 947,279.54 561,080.64 84,483.25 953,625.27 564,720.80 85,231.36 960,012.16 568,384.57 85,984.32 966,440.50 572,072.12 86,742.17 972,910.54 575,783.59 87,504.93 979,422.55 579,519.14 88,272.64 985,976.82 583,278.92 89,045.33 992,573.60 587,063.10 89,823.04 999,213.19 590,871.83 90,605.79 1,005,895.85 594,705.27 91,393.62 1,012,621.86 598,563.57 92,186.56 1,019,391.52 602,446.91 92,984.64 1,026,205.09 606,355.45 93,787.91 1,033,062.87 610,289.34 94,596.38 1,039,965.14 614,248.75 95,410.10 1,046,912.19 618,233.86 96,229.10 1,053,904.31 622,244.81 97,053.41 1,060,941.79 626,281.79 97,883.07 1,068,024.93 630,344.96 98,718.11 1,075,154.03 634,434.49 99,558.57 1,082,329.38 638,550.55 100,404.48 1,089,551.28 642,693.32 101,255.88 1,096,820.03 646,862.96 102,112.81 1,104,135.94 651,059.66 102,975.29 1,111,499.32 655,283.58 103,843.37 1,118,910.46 659,534.91 104,717.08 1,126,369.69 663,813.81 105,596.46 1,133,877.31 668,120.48 106,481.55 1,141,433.64 672,455.09 107,372.38 1,149,039.00 676,817.82 108,268.98 1,156,693.69 681,208.86 109,171.41 1,164,398.05 685,628.38 110,079.68 1,172,152.39 690,076.58 110,993.86 1,179,957.04 694,553.63 111,913.96 1,187,812.33

699,059.73 112,840.03 1,195,718.57 703,595.07 113,772.11 1,203,676.12 708,159.83 114,710.24 1,211,685.28 20 anos 712,754.20 115,654.45 1,219,746.41 717,378.39 116,604.79 1,227,859.84 722,032.57 117,561.29 1,236,025.91 726,716.95 118,524.00 1,244,244.96 731,431.72 119,492.96 1,252,517.32 736,177.07 120,468.20 1,260,843.36 740,953.22 121,449.77 1,269,223.42 745,760.35 122,437.71 1,277,657.84 750,598.67 123,432.05 1,286,146.99 755,468.37 124,432.85 1,294,691.21 760,369.68 125,440.14 1,303,290.86 765,302.78 126,453.97 1,311,946.31 770,267.88 127,474.37 1,320,657.91 775,265.20 128,501.40 1,329,426.02 780,294.94 129,535.08 1,338,251.03 785,357.31 130,575.48 1,347,133.29 790,452.52 131,622.62 1,356,073.17 795,580.79 132,676.56 1,365,071.06 800,742.33 133,737.33 1,374,127.32 805,937.36 134,804.99 1,383,242.33 811,166.10 135,879.57 1,392,416.49 816,428.75 136,961.13 1,401,650.16 821,725.55 138,049.70 1,410,943.73 827,056.71 139,145.33 1,420,297.61 832,422.46 140,248.07 1,429,712.16 837,823.02 141,357.97 1,439,187.80 843,258.62 142,475.07 1,448,724.91 848,729.49 143,599.41 1,458,323.90 854,235.84 144,731.05 1,467,985.17 859,777.93 145,870.03 1,477,709.11 865,355.96 147,016.40 1,487,496.14 870,970.19 148,170.21 1,497,346.67 876,620.84 149,331.51 1,507,261.10 882,308.15 150,500.33 1,517,239.86 888,032.36 151,676.74 1,527,283.35 893,793.71 152,860.79 1,537,392.01 899,592.43 154,052.51 1,547,566.25 905,428.77 155,251.97 1,557,806.49 911,302.98 156,459.21 1,568,113.18 917,215.30 157,674.28 1,578,486.73 923,165.98 158,897.23 1,588,927.58 929,155.27 160,128.12 1,599,436.17 935,183.41 161,366.99 1,610,012.94 941,250.66 162,613.90 1,620,658.32 947,357.27 163,868.91 1,631,372.77

953,503.50 165,132.05 1,642,156.74 959,689.61 166,403.39 1,653,010.66 965,915.85 167,682.97 1,663,935.01 972,182.49 168,970.86 1,674,930.23 978,489.78 170,267.10 1,685,996.79 984,837.99 171,571.76 1,697,135.14 991,227.39 172,884.87 1,708,345.75 997,658.24 174,206.51 1,719,629.10

### 175,536.72 1,730,985.65 ### 176,875.56 1,742,415.88 ### 178,223.09 1,753,920.26 ### 179,579.36 1,765,499.29 ### 180,944.43 1,777,153.43 ### 182,318.35 1,788,883.19 ### 183,701.19 1,800,689.04 25 anos### 185,093.00 1,812,571.49 ### 186,493.84 1,824,531.03 ### 187,903.77 1,836,568.16 ### 189,322.85 1,848,683.38 ### 190,751.13 1,860,877.20 ### 192,188.68 1,873,150.14 ### 193,635.55 1,885,502.70 ### 195,091.81 1,897,935.40 ### 196,557.52 1,910,448.76 ### 198,032.74 1,923,043.30 ### 199,517.53 1,935,719.55 ### 201,011.96 1,948,478.05 ### 202,516.07 1,961,319.32 ### 204,029.95 1,974,243.90 ### 205,553.65 1,987,252.33 ### 207,087.23 2,000,345.16 ### 208,630.77 2,013,522.93 ### 210,184.31 2,026,786.19 ### 211,747.94 2,040,135.50 ### 213,321.71 2,053,571.43 ### 214,905.69 2,067,094.51 ### 216,499.95 2,080,705.34 ### 218,104.55 2,094,404.47 ### 219,719.56 2,108,192.47 ### 221,345.05 2,122,069.93 ### 222,981.09 2,136,037.42 ### 224,627.74 2,150,095.53 ### 226,285.07 2,164,244.85 ### 227,953.15 2,178,485.96 ### 229,632.06 2,192,819.47 ### 231,321.86 2,207,245.97 ### 233,022.62 2,221,766.06 ### 234,734.42 2,236,380.36

### 236,457.32 2,251,089.47 ### 238,191.40 2,265,894.01 ### 239,936.73 2,280,794.60 ### 241,693.38 2,295,791.86 ### 243,461.43 2,310,886.42 ### 245,240.95 2,326,078.91 ### 247,032.02 2,341,369.96 ### 248,834.70 2,356,760.22 ### 250,649.08 2,372,250.33 ### 252,475.24 2,387,840.93 ### 254,313.24 2,403,532.68 ### 256,163.16 2,419,326.24 ### 258,025.09 2,435,222.26 ### 259,899.09 2,451,221.41 ### 261,785.26 2,467,324.36 ### 263,683.66 2,483,531.78 ### 265,594.38 2,499,844.35 ### 267,517.49 2,516,262.76 ### 269,453.08 2,532,787.68 ### 271,401.23 2,549,419.81 ### 273,362.02 2,566,159.85 ### 275,335.53 2,583,008.50 ### 277,321.84 2,599,966.45 ### 279,321.04 2,617,034.42 ### 281,333.21 2,634,213.13 ### 283,358.43 2,651,503.28 ### 285,396.79 2,668,905.61 30 anos### 287,448.38 2,686,420.85 ### 289,513.28 2,704,049.72 ### 291,591.57 2,721,792.96 ### 293,683.35 2,739,651.31 ### 295,788.70 2,757,625.53 ### 297,907.71 2,775,716.35 ### 300,040.46 2,793,924.55 ### 302,187.06 2,812,250.88 ### 304,347.57 2,830,696.10 ### 306,522.11 2,849,261.00 ### 308,710.75 2,867,946.33 ### 310,913.60 2,886,752.90 ### 313,130.73 2,905,681.47 ### 315,362.25 2,924,732.85 ### 317,608.25 2,943,907.83 ### 319,868.81 2,963,207.22 ### 322,144.05 2,982,631.81 ### 324,434.04 3,002,182.42 ### 326,738.90 3,021,859.88 ### 329,058.70 3,041,665.00 ### 331,393.56 3,061,598.61

### 333,743.56 3,081,661.54 ### 336,108.81 3,101,854.64 ### 338,489.40 3,122,178.74 ### 340,885.44 3,142,634.71 ### 343,297.03 3,163,223.38 ### 345,724.26 3,183,945.64 ### 348,167.24 3,204,802.33 ### 350,626.07 3,225,794.33 ### 353,100.85 3,246,922.53 ### 355,591.68 3,268,187.80 ### 358,098.68 3,289,591.04 ### 360,621.94 3,311,133.13 ### 363,161.57 3,332,814.99 ### 365,717.67 3,354,637.51 ### 368,290.36 3,376,601.61 ### 370,879.75 3,398,708.21 ### 373,485.93 3,420,958.23 ### 376,109.02 3,443,352.61 ### 378,749.12 3,465,892.27 ### 381,406.36 3,488,578.17 ### 384,080.83 3,511,411.25 ### 386,772.66 3,534,392.46 ### 389,481.95 3,557,522.77 ### 392,208.82 3,580,803.14 ### 394,953.38 3,604,234.55 ### 397,715.74 3,627,817.98 ### 400,496.03 3,651,554.41 ### 403,294.35 3,675,444.84 ### 406,110.83 3,699,490.27 ### 408,945.58 3,723,691.69 ### 411,798.73 3,748,050.13 ### 414,670.38 3,772,566.60 ### 417,560.66 3,797,242.13 ### 420,469.70 3,822,077.74 ### 423,397.61 3,847,074.49 ### 426,344.51 3,872,233.40 ### 429,310.54 3,897,555.55 ### 432,295.80 3,923,041.97 ### 435,300.44 3,948,693.75 35 anos### 438,324.56 3,974,511.95 ### 441,368.31 4,000,497.65 ### 444,431.80 4,026,651.94 ### 447,515.17 4,052,975.91 ### 450,618.55 4,079,470.67 ### 453,742.05 4,106,137.32 ### 456,885.83 4,132,976.98 ### 460,049.99 4,159,990.76 ### 463,234.69 4,187,179.81

### 466,440.05 4,214,545.25 ### 469,666.20 4,242,088.23 ### 472,913.29 4,269,809.90 ### 476,181.44 4,297,711.43 ### 479,470.79 4,325,793.97 ### 482,781.48 4,354,058.71 ### 486,113.66 4,382,506.82 ### 489,467.45 4,411,139.49 ### 492,843.00 4,439,957.93 ### 496,240.45 4,468,963.34 ### 499,659.94 4,498,156.92 ### 503,101.62 4,527,539.91 ### 506,565.62 4,557,113.53 ### 510,052.10 4,586,879.01 ### 513,561.20 4,616,837.61 ### 517,093.06 4,646,990.57 ### 520,647.84 4,677,339.15 ### 524,225.68 4,707,884.63 ### 527,826.74 4,738,628.28 ### 531,451.15 4,769,571.39 ### 535,099.08 4,800,715.25 ### 538,770.68 4,832,061.17 ### 542,466.10 4,863,610.45 ### 546,185.49 4,895,364.41 ### 549,929.02 4,927,324.39 ### 553,696.83 4,959,491.71 ### 557,489.08 4,991,867.73 ### 561,305.94 5,024,453.80 ### 565,147.56 5,057,251.28 ### 569,014.11 5,090,261.54 ### 572,905.74 5,123,485.96 ### 576,822.61 5,156,925.93 ### 580,764.90 5,190,582.86 ### 584,732.77 5,224,458.15 ### 588,726.38 5,258,553.20 ### 592,745.90 5,292,869.46 ### 596,791.49 5,327,408.36 ### 600,863.34 5,362,171.34 ### 604,961.60 5,397,159.85 ### 609,086.45 5,432,375.35 ### 613,238.06 5,467,819.33 ### 617,416.60 5,503,493.26 ### 621,622.26 5,539,398.63 ### 625,855.19 5,575,536.95 ### 630,115.60 5,611,909.73 ### 634,403.64 5,648,518.48 ### 638,719.50 5,685,364.75 ### 643,063.36 5,722,450.06

### 647,435.41 5,759,775.97 ### 651,835.82 5,797,344.05 ### 656,264.77 5,835,155.86 40 anos

1 8 15 22 29 36 43 50 57 64 71 78 85 92 99 106113120127134141148155162169176183190197204211218225232239246253260267274281288295302309316323330337344351358365372379386393400407414421428435442449456463470477 -

500.00

1,000.00

1,500.00

2,000.00

2,500.00

Prestação

Prestação

Valores (R$)k Saldo Devedor Amortização Juros

Valor do imóvel R$ 300,000.00 0 150,000.00 Entrada R$ 150,000.00 50.00% 1 150,000.00 346.71 1,312.14 Taxa de Juros aa 11.0000% 2 149,876.46 350.25 1,311.06 Taxa de Juros am 0.8735% 3 149,749.19 353.84 1,309.94 TR aa 1.8000% 4 149,618.14 357.46 1,308.80 TR am 0.1488% 5 149,483.27 361.12 1,307.62 Nº Prestações 180 6 149,344.55 364.82 1,306.40

7 149,201.92 368.55 1,305.16 Prestação sem TR R$ 1,656.38 8 149,055.35 372.32 1,303.87 Prestação 1 com TR 1,658.84 % princ. 9 148,904.79 376.13 1,302.56 Total amortizado R$ 177,923.43 52.0% 10 148,750.19 379.98 1,301.21 Total de juros pagos R$ 164,180.88 48.0% 11 148,591.51 383.87 1,299.82 Seguros R$ - 0.0% 12 148,428.71 387.80 1,298.39 Taxa de adm. R$ - 0.0% 13 148,261.74 391.77 1,296.93 Total de prestações R$ 342,104.30 14 148,090.55 395.78 1,295.44 Renda Familiar Segura 5,529.48 15 147,915.09 399.83 1,293.90

16 147,735.32 403.92 1,292.33 17 147,551.19 408.06 1,290.72 18 147,362.66 412.23 1,289.07 19 147,169.66 416.45 1,287.38 20 146,972.16 420.72 1,285.65

SELIC aa 13.25% 21 146,770.11 425.02 1,283.88 Poupança aa 8.0692% 22 146,563.44 429.37 1,282.08 Poupança am 0.6488% 23 146,352.12 433.77 1,280.23

24 146,136.09 438.21 1,278.34 25 145,915.30 442.69 1,276.41 26 145,689.70 447.22 1,274.43

Rendim. da entrada 27 145,459.23 451.80 1,272.42 Pelo período do financiamento 480,420.22 28 145,223.83 456.43 1,270.36 Em 5 anos 221,106.38 29 144,983.47 461.10 1,268.26 Em 10 anos 325,920.20 30 144,738.07 465.82 1,266.11 Em 15 anos 480,420.22 31 144,487.59 470.58 1,263.92 Em 20 anos 708,159.83 32 144,231.97 475.40 1,261.68

33 143,971.15 480.27 1,259.40 34 143,705.08 485.18 1,257.07 35 143,433.70 490.15 1,254.70 36 143,156.94 495.17 1,252.28 37 142,874.76 500.23 1,249.81 38 142,587.09 505.35 1,247.29 39 142,293.87 510.53 1,244.73 40 141,995.05 515.75 1,242.11 41 141,690.55 521.03 1,239.45 42 141,380.32 526.36 1,236.74 43 141,064.30 531.75 1,233.97 44 140,742.42 537.19 1,231.16 45 140,414.62 542.69 1,228.29


A5


A7


A9


C12

Percentual do valor em relação ao total pago.

A14

Lembre-se de que esta informação é meramente figurativa. O correto é trazer todos os juros pagos a valor presente. Tão somente somar os juros pagos não diz nada para o mutuário. O efeito é meramente psicológico.

A18

Considerei como seguro, comprometer 30% da renda bruta familiar para o pagamento da primeira prestação. Lembre-se de que o saldo devedor é corrigido mensalmente pela TR.

A20


A24

Preencha somente o valor da SELIC. Poupança aa e Popança am serão atualizadas automaticamente.

A31

Se investido na poupança em vez de usado para comprar o imóvel, o principal se transformará neste valor ao final do prazo.

46 140,080.83 548.25 1,225.37 47 139,740.99 553.86 1,222.40 48 139,395.03 559.53 1,219.37 49 139,042.89 565.25 1,216.29 50 138,684.50 571.04 1,213.15 51 138,319.79 576.88 1,209.96 52 137,948.69 582.79 1,206.72 53 137,571.14 588.75 1,203.42 54 137,187.06 594.78 1,200.06 55 136,796.38 600.87 1,196.64 56 136,399.03 607.02 1,193.16 57 135,994.94 613.23 1,189.63 58 135,584.04 619.51 1,186.03 59 135,166.25 625.85 1,182.38 60 134,741.50 632.25 1,178.66 61 134,309.71 638.73 1,174.89 62 133,870.80 645.26 1,171.05 63 133,424.71 651.87 1,167.14 64 132,971.34 658.54 1,163.18 65 132,510.63 665.28 1,159.15 66 132,042.50 672.09 1,155.05 67 131,566.86 678.97 1,150.89 68 131,083.63 685.92 1,146.67 69 130,592.73 692.94 1,142.37 70 130,094.08 700.03 1,138.01 71 129,587.60 707.20 1,133.58 72 129,073.20 714.44 1,129.08 73 128,550.80 721.75 1,124.51 74 128,020.30 729.14 1,119.87 75 127,481.63 736.60 1,115.16 76 126,934.69 744.14 1,110.37 77 126,379.41 751.75 1,105.52 78 125,815.68 759.45 1,100.58 79 125,243.41 767.22 1,095.58 80 124,662.52 775.07 1,090.50 81 124,072.92 783.01 1,085.34 82 123,474.50 791.02 1,080.10 83 122,867.18 799.12 1,074.79 84 122,250.86 807.30 1,069.40 85 121,625.44 815.56 1,063.93 86 120,990.83 823.91 1,058.38 87 120,346.93 832.34 1,052.75 88 119,693.64 840.86 1,047.03 89 119,030.85 849.47 1,041.23 90 118,358.48 858.16 1,035.35 91 117,676.41 866.94 1,029.38 92 116,984.54 875.82 1,023.33 93 116,282.76 884.78 1,017.19

94 115,570.98 893.84 1,010.97 95 114,849.08 902.99 1,004.65 96 114,116.97 912.23 998.25 97 113,374.51 921.57 991.75 98 112,621.62 931.00 985.17 99 111,858.18 940.53 978.49

100 111,084.07 950.16 971.72 101 110,299.18 959.88 964.85 102 109,503.40 969.71 957.89 103 108,696.61 979.63 950.83 104 107,878.69 989.66 943.68 105 107,049.53 999.79 936.43 106 106,209.01 1,010.02 929.07 107 105,357.01 1,020.36 921.62 108 104,493.39 1,030.80 914.07 109 103,618.05 1,041.35 906.41 110 102,730.86 1,052.01 898.65 111 101,831.69 1,062.78 890.78 112 100,920.41 1,073.66 882.81 113 99,996.90 1,084.65 874.73 114 99,061.03 1,095.75 866.55 115 98,112.66 1,106.96 858.25 116 97,151.67 1,118.29 849.84 117 96,177.91 1,129.74 841.32 118 95,191.26 1,141.30 832.69 119 94,191.58 1,152.98 823.95 120 93,178.74 1,164.79 815.09 121 92,152.58 1,176.71 806.11 122 91,112.97 1,188.75 797.02 123 90,059.78 1,200.92 787.81 124 88,992.84 1,213.21 778.47 125 87,912.04 1,225.63 769.02 126 86,817.20 1,238.17 759.44 127 85,708.19 1,250.85 749.74 128 84,584.86 1,263.65 739.91 129 83,447.05 1,276.58 729.96 130 82,294.62 1,289.65 719.88 131 81,127.41 1,302.85 709.67 132 79,945.26 1,316.18 699.33 133 78,748.01 1,329.66 688.86 134 77,535.51 1,343.27 678.25 135 76,307.60 1,357.01 667.51 136 75,064.12 1,370.90 656.63 137 73,804.89 1,384.94 645.61 138 72,529.76 1,399.11 634.46 139 71,238.56 1,413.43 623.17 140 69,931.11 1,427.90 611.73 141 68,607.26 1,442.51 600.15

142 67,266.82 1,457.28 588.42 143 65,909.62 1,472.19 576.55 144 64,535.48 1,487.26 564.53 145 63,144.23 1,502.48 552.36 146 61,735.69 1,517.86 540.04 147 60,309.68 1,533.40 527.56 148 58,866.01 1,549.09 514.94 149 57,404.49 1,564.95 502.15 150 55,924.95 1,580.97 489.21 151 54,427.18 1,597.15 476.11 152 52,911.01 1,613.50 462.84 153 51,376.23 1,630.01 449.42 154 49,822.66 1,646.69 435.83 155 48,250.09 1,663.55 422.07 156 46,658.32 1,680.58 408.15 157 45,047.16 1,697.78 394.05 158 43,416.41 1,715.15 379.79 159 41,765.85 1,732.71 365.35 160 40,095.27 1,750.44 350.74 161 38,404.48 1,768.36 335.95 162 36,693.26 1,786.46 320.98 163 34,961.39 1,804.75 305.83 164 33,208.66 1,823.22 290.50 165 31,434.84 1,841.88 274.98 166 29,639.73 1,860.73 259.28 167 27,823.10 1,879.78 243.39 168 25,984.72 1,899.02 227.30 169 24,124.36 1,918.45 211.03 170 22,241.79 1,938.09 194.56 171 20,336.80 1,957.93 177.90 172 18,409.12 1,977.97 161.04 173 16,458.55 1,998.21 143.97 174 14,484.82 2,018.66 126.71 175 12,487.70 2,039.33 109.24 176 10,466.96 2,060.20 91.56 177 8,422.33 2,081.29 73.68 178 6,353.57 2,102.59 55.58 179 4,260.44 2,124.11 37.27 180 2,142.66 2,145.85 18.74 181 - - - 182 - - - 183 - - - 184 - - - 185 - - - 186 - - - 187 - - - 188 - - - 189 - - -

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382 - - - 383 - - - 384 - - - 385 - - - 386 - - - 387 - - - 388 - - - 389 - - - 390 - - - 391 - - - 392 - - - 393 - - - 394 - - - 395 - - - 396 - - - 397 - - - 398 - - - 399 - - - 400 - - - 401 - - - 402 - - - 403 - - - 404 - - - 405 - - - 406 - - - 407 - - - 408 - - - 409 - - - 410 - - - 411 - - - 412 - - - 413 - - - 414 - - - 415 - - - 416 - - - 417 - - - 418 - - - 419 - - - 420 - - - 421 - - - 422 - - - 423 - - - 424 - - - 425 - - - 426 - - - 427 - - - 428 - - - 429 - - -

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478 - - - 479 - - - 480 - - -

177,923.43 164,180.88

Valores (R$) Aluguel (R$)Seguro Tx. Adm Prestação 1,000.00

Economia Poupança - 1,658.84 79.10% 658.84 658.84

- - 1,661.31 78.92% 661.31 1,324.43 - - 1,663.78 78.73% 663.78 1,996.81 - - 1,666.26 78.55% 666.26 2,676.02 - - 1,668.74 78.36% 668.74 3,362.12 - - 1,671.22 78.17% 671.22 4,055.15 - - 1,673.71 77.98% 673.71 4,755.17 - - 1,676.20 77.79% 676.20 5,462.22 - - 1,678.69 77.59% 678.69 6,176.34 - - 1,681.19 77.40% 681.19 6,897.60 - - 1,683.69 77.20% 683.69 7,626.04 - - 1,686.19 77.00% 686.19 8,361.71 - - 1,688.70 76.80% 688.70 9,104.66 - - 1,691.22 76.60% 691.22 9,854.95 - - 1,693.73 76.39% 693.73 10,612.62 - - 1,696.25 76.19% 696.25 11,377.72 - - 1,698.78 75.98% 698.78 12,150.31 - - 1,701.30 75.77% 701.30 12,930.44 - - 1,703.83 75.56% 703.83 13,718.17 - - 1,706.37 75.34% 706.37 14,513.54 - - 1,708.91 75.13% 708.91 15,316.60 - - 1,711.45 74.91% 711.45 16,127.42 - - 1,714.00 74.69% 714.00 16,946.05 - - 1,716.55 74.47% 716.55 17,772.54 - - 1,719.10 74.25% 719.10 18,606.94 - - 1,721.66 74.02% 721.66 19,449.32 - - 1,724.22 73.80% 724.22 20,299.72 - - 1,726.78 73.57% 726.78 21,158.20 - - 1,729.35 73.34% 729.35 22,024.82 - - 1,731.93 73.10% 731.93 22,899.64 - - 1,734.50 72.87% 734.50 23,782.71 - - 1,737.08 72.63% 737.08 24,674.09 - - 1,739.67 72.39% 739.67 25,573.84 - - 1,742.26 72.15% 742.26 26,482.01 - - 1,744.85 71.91% 744.85 27,398.67 - - 1,747.44 71.66% 747.44 28,323.87 - - 1,750.04 71.42% 750.04 29,257.67 - - 1,752.65 71.17% 752.65 30,200.14 - - 1,755.25 70.91% 755.25 31,151.32 - - 1,757.87 70.66% 757.87 32,111.29 - - 1,760.48 70.40% 760.48 33,080.10 - - 1,763.10 70.15% 763.10 34,057.82 - - 1,765.72 69.88% 765.72 35,044.50 - - 1,768.35 69.62% 768.35 36,040.21 - - 1,770.98 69.36% 770.98 37,045.02


H2


I2

Em geral R$ 25,00/mês. A CEF cobra mensalmente. Quanto menor o tempo do financiamento, menos taxas paga-se. É muito melhor abater o saldo devedor do que adiantar prestações. A CEF não desconta a taxa de adm e o seguro das prestações abatidas.

N2

Coloque um valor de aluguel para simular a poupança da diferença entre aluguel e prestação. Você também pode incluir neste campo as despesas com condomínio.

O3

Valor acumulado pelo período do financiamento, caso a diferença entre a prestação e o aluguel seja investida na poupança. É uma simulação bem tosca, que não leva em conta aumento de aluguel, imprevistos, etc., mas dá uma noção do poder de economia que temos com nossa renda.

H4


I4


J4

d0 : valor financiado n : número de períodos t : taxa de correção monetária ou TR j : taxa de juros k : período A prestação pode ser escrita como: p(k) = d0 * (1 + t) ^ k * (1 + j) ^ n * j / ((1 + j) ^ n – 1) O saldo devedor pode ser expresso por: d(k) = d0 * ((1 + t) * (1 + j)) ^ k * ((1 + j) ^ (n – k) – 1) / ((1 + j) ^ n – 1)

- - 1,773.62 69.09% 773.62 38,058.97 - - 1,776.26 68.82% 776.26 39,082.14 - - 1,778.90 68.55% 778.90 40,114.60 - - 1,781.54 68.27% 781.54 41,156.40 - - 1,784.19 67.99% 784.19 42,207.60 - - 1,786.85 67.71% 786.85 43,268.29 - - 1,789.51 67.43% 789.51 44,338.51 - - 1,792.17 67.15% 792.17 45,418.34 - - 1,794.84 66.86% 794.84 46,507.84 - - 1,797.51 66.57% 797.51 47,607.07 - - 1,800.18 66.28% 800.18 48,716.12 - - 1,802.86 65.99% 802.86 49,835.04 - - 1,805.54 65.69% 805.54 50,963.90 - - 1,808.23 65.39% 808.23 52,102.77 - - 1,810.92 65.09% 810.92 53,251.71 - - 1,813.61 64.78% 813.61 54,410.81 - - 1,816.31 64.47% 816.31 55,580.13 - - 1,819.01 64.16% 819.01 56,759.73 - - 1,821.72 63.85% 821.72 57,949.69 - - 1,824.43 63.53% 824.43 59,150.09 - - 1,827.14 63.22% 827.14 60,360.98 - - 1,829.86 62.90% 829.86 61,582.45 - - 1,832.58 62.57% 832.58 62,814.57 - - 1,835.31 62.24% 835.31 64,057.40 - - 1,838.04 61.91% 838.04 65,311.04 - - 1,840.78 61.58% 840.78 66,575.53 - - 1,843.51 61.25% 843.51 67,850.97 - - 1,846.26 60.91% 846.26 69,137.43 - - 1,849.00 60.57% 849.00 70,434.98 - - 1,851.75 60.22% 851.75 71,743.70 - - 1,854.51 59.87% 854.51 73,063.67 - - 1,857.27 59.52% 857.27 74,394.96 - - 1,860.03 59.17% 860.03 75,737.65 - - 1,862.80 58.81% 862.80 77,091.82 - - 1,865.57 58.45% 865.57 78,457.54 - - 1,868.35 58.09% 868.35 79,834.90 - - 1,871.13 57.72% 871.13 81,223.98 - - 1,873.91 57.36% 873.91 82,624.85 - - 1,876.70 56.98% 876.70 84,037.60 - - 1,879.49 56.61% 879.49 85,462.30 - - 1,882.29 56.23% 882.29 86,899.05 - - 1,885.09 55.85% 885.09 88,347.92 - - 1,887.89 55.46% 887.89 89,808.99 - - 1,890.70 55.07% 890.70 91,282.35 - - 1,893.51 54.68% 893.51 92,768.08 - - 1,896.33 54.28% 896.33 94,266.27 - - 1,899.15 53.88% 899.15 95,776.99 - - 1,901.98 53.48% 901.98 97,300.35

- - 1,904.81 53.07% 904.81 98,836.42 - - 1,907.64 52.66% 907.64 100,385.28 - - 1,910.48 52.25% 910.48 101,947.04 - - 1,913.32 51.83% 913.32 103,521.77 - - 1,916.17 51.41% 916.17 105,109.56 - - 1,919.02 50.99% 919.02 106,710.50 - - 1,921.87 50.56% 921.87 108,324.69 - - 1,924.73 50.13% 924.73 109,952.21 - - 1,927.60 49.69% 927.60 111,593.15 - - 1,930.46 49.25% 930.46 113,247.60 - - 1,933.34 48.81% 933.34 114,915.66 - - 1,936.21 48.36% 936.21 116,597.42 - - 1,939.09 47.91% 939.09 118,292.97 - - 1,941.98 47.46% 941.98 120,002.40 - - 1,944.87 47.00% 944.87 121,725.82 - - 1,947.76 46.54% 947.76 123,463.31 - - 1,950.66 46.07% 950.66 125,214.97 - - 1,953.56 45.60% 953.56 126,980.89 - - 1,956.47 45.12% 956.47 128,761.18 - - 1,959.38 44.64% 959.38 130,555.93 - - 1,962.29 44.16% 962.29 132,365.24 - - 1,965.21 43.67% 965.21 134,189.21 - - 1,968.14 43.18% 968.14 136,027.93 - - 1,971.06 42.68% 971.06 137,881.51 - - 1,974.00 42.18% 974.00 139,750.05 - - 1,976.93 41.68% 976.93 141,633.65 - - 1,979.87 41.17% 979.87 143,532.41 - - 1,982.82 40.65% 982.82 145,446.43 - - 1,985.77 40.14% 985.77 147,375.83 - - 1,988.72 39.61% 988.72 149,320.69 - - 1,991.68 39.09% 991.68 151,281.13 - - 1,994.65 38.55% 994.65 153,257.25 - - 1,997.61 38.02% 997.61 155,249.17 - - 2,000.59 37.48% 1,000.59 157,256.97 - - 2,003.56 36.93% 1,003.56 159,280.78 - - 2,006.54 36.38% 1,006.54 161,320.70 - - 2,009.53 35.82% 1,009.53 163,376.84 - - 2,012.52 35.26% 1,012.52 165,449.31 - - 2,015.51 34.70% 1,015.51 167,538.22 - - 2,018.51 34.13% 1,018.51 169,643.68 - - 2,021.51 33.55% 1,021.51 171,765.80 - - 2,024.52 32.97% 1,024.52 173,904.70 - - 2,027.53 32.39% 1,027.53 176,060.48 - - 2,030.55 31.80% 1,030.55 178,233.27 - - 2,033.57 31.20% 1,033.57 180,423.18 - - 2,036.60 30.60% 1,036.60 182,630.32 - - 2,039.63 29.99% 1,039.63 184,854.81 - - 2,042.66 29.38% 1,042.66 187,096.76

- - 2,045.70 28.76% 1,045.70 189,356.30 - - 2,048.74 28.14% 1,048.74 191,633.54 - - 2,051.79 27.51% 1,051.79 193,928.61 - - 2,054.84 26.88% 1,054.84 196,241.62 - - 2,057.90 26.24% 1,057.90 198,572.69 - - 2,060.96 25.60% 1,060.96 200,921.94 - - 2,064.03 24.95% 1,064.03 203,289.51 - - 2,067.10 24.29% 1,067.10 205,675.50 - - 2,070.18 23.63% 1,070.18 208,080.05 - - 2,073.26 22.96% 1,073.26 210,503.28 - - 2,076.34 22.29% 1,076.34 212,945.32 - - 2,079.43 21.61% 1,079.43 215,406.28 - - 2,082.52 20.93% 1,082.52 217,886.31 - - 2,085.62 20.24% 1,085.62 220,385.53 - - 2,088.72 19.54% 1,088.72 222,904.06 - - 2,091.83 18.84% 1,091.83 225,442.04 - - 2,094.94 18.13% 1,094.94 227,999.60 - - 2,098.06 17.41% 1,098.06 230,576.87 - - 2,101.18 16.69% 1,101.18 233,173.98 - - 2,104.31 15.96% 1,104.31 235,791.06 - - 2,107.44 15.23% 1,107.44 238,428.26 - - 2,110.57 14.49% 1,110.57 241,085.70 - - 2,113.71 13.74% 1,113.71 243,763.52 - - 2,116.86 12.99% 1,116.86 246,461.86 - - 2,120.01 12.23% 1,120.01 249,180.85 - - 2,123.16 11.46% 1,123.16 251,920.64 - - 2,126.32 10.69% 1,126.32 254,681.37 - - 2,129.48 9.91% 1,129.48 257,463.16 - - 2,132.65 9.12% 1,132.65 260,266.18 - - 2,135.83 8.33% 1,135.83 263,090.55 - - 2,139.00 7.53% 1,139.00 265,936.42 - - 2,142.19 6.72% 1,142.19 268,803.94 - - 2,145.37 5.91% 1,145.37 271,693.25 - - 2,148.56 5.08% 1,148.56 274,604.49 - - 2,151.76 4.26% 1,151.76 277,537.82 - - 2,154.96 3.42% 1,154.96 280,493.39 - - 2,158.17 2.58% 1,158.17 283,471.33 - - 2,161.38 1.72% 1,161.38 286,471.80 - - 2,164.59 0.87% 1,164.59 289,494.96 - - - 0.00% - 291,373.14 - - - 0.00% - 293,263.50 - - - 0.00% - 295,166.12 - - - 0.00% - 297,081.09 - - - 0.00% - 299,008.48 - - - 0.00% - 300,948.38 - - - 0.00% - 302,900.86 - - - 0.00% - 304,866.01 - - - 0.00% - 306,843.91

- - - 0.00% - 308,834.64 - - - 0.00% - 310,838.29 - - - 0.00% - 312,854.93 - - - 0.00% - 314,884.66 - - - 0.00% - 316,927.56 - - - 0.00% - 318,983.71 - - - 0.00% - 321,053.20 - - - 0.00% - 323,136.12 - - - 0.00% - 325,232.55 - - - 0.00% - 327,342.59 - - - 0.00% - 329,466.31 - - - 0.00% - 331,603.81 - - - 0.00% - 333,755.18 - - - 0.00% - 335,920.50 - - - 0.00% - 338,099.87 - - - 0.00% - 340,293.39 - - - 0.00% - 342,501.13 - - - 0.00% - 344,723.20 - - - 0.00% - 346,959.68 - - - 0.00% - 349,210.67 - - - 0.00% - 351,476.27 - - - 0.00% - 353,756.57 - - - 0.00% - 356,051.66 - - - 0.00% - 358,361.64 - - - 0.00% - 360,686.60 - - - 0.00% - 363,026.65 - - - 0.00% - 365,381.88 - - - 0.00% - 367,752.40 - - - 0.00% - 370,138.29 - - - 0.00% - 372,539.66 - - - 0.00% - 374,956.61 - - - 0.00% - 377,389.24 - - - 0.00% - 379,837.65 - - - 0.00% - 382,301.95 - - - 0.00% - 384,782.23 - - - 0.00% - 387,278.61 - - - 0.00% - 389,791.18 - - - 0.00% - 392,320.06 - - - 0.00% - 394,865.34 - - - 0.00% - 397,427.13 - - - 0.00% - 400,005.55 - - - 0.00% - 402,600.69 - - - 0.00% - 405,212.67 - - - 0.00% - 407,841.59 - - - 0.00% - 410,487.57 - - - 0.00% - 413,150.72 - - - 0.00% - 415,831.14 - - - 0.00% - 418,528.96

- - - 0.00% - 421,244.28 - - - 0.00% - 423,977.21 - - - 0.00% - 426,727.88 - - - 0.00% - 429,496.39 - - - 0.00% - 432,282.86 - - - 0.00% - 435,087.41 - - - 0.00% - 437,910.15 - - - 0.00% - 440,751.21 - - - 0.00% - 443,610.70 - - - 0.00% - 446,488.74 - - - 0.00% - 449,385.46 - - - 0.00% - 452,300.97 - - - 0.00% - 455,235.39 - - - 0.00% - 458,188.85 - - - 0.00% - 461,161.47 - - - 0.00% - 464,153.38 - - - 0.00% - 467,164.70 - - - 0.00% - 470,195.55 - - - 0.00% - 473,246.07 - - - 0.00% - 476,316.38 - - - 0.00% - 479,406.61 - - - 0.00% - 482,516.89 - - - 0.00% - 485,647.34 - - - 0.00% - 488,798.11 - - - 0.00% - 491,969.32 - - - 0.00% - 495,161.10 - - - 0.00% - 498,373.59 - - - 0.00% - 501,606.92 - - - 0.00% - 504,861.23 - - - 0.00% - 508,136.65 - - - 0.00% - 511,433.32 - - - 0.00% - 514,751.38 - - - 0.00% - 518,090.96 - - - 0.00% - 521,452.22 - - - 0.00% - 524,835.28 - - - 0.00% - 528,240.28 - - - 0.00% - 531,667.38 - - - 0.00% - 535,116.72 - - - 0.00% - 538,588.43 - - - 0.00% - 542,082.66 - - - 0.00% - 545,599.57 - - - 0.00% - 549,139.29 - - - 0.00% - 552,701.98 - - - 0.00% - 556,287.78 - - - 0.00% - 559,896.84 - - - 0.00% - 563,529.32 - - - 0.00% - 567,185.37 - - - 0.00% - 570,865.13

- - - 0.00% - 574,568.77 - - - 0.00% - 578,296.44 - - - 0.00% - 582,048.29 - - - 0.00% - 585,824.49 - - - 0.00% - 589,625.18 - - - 0.00% - 593,450.53 - - - 0.00% - 597,300.70 - - - 0.00% - 601,175.84 - - - 0.00% - 605,076.13 - - - 0.00% - 609,001.72 - - - 0.00% - 612,952.78 - - - 0.00% - 616,929.48 - - - 0.00% - 620,931.97 - - - 0.00% - 624,960.43 - - - 0.00% - 629,015.03 - - - 0.00% - 633,095.93 - - - 0.00% - 637,203.31 - - - 0.00% - 641,337.33 - - - 0.00% - 645,498.18 - - - 0.00% - 649,686.02 - - - 0.00% - 653,901.03 - - - 0.00% - 658,143.39 - - - 0.00% - 662,413.27 - - - 0.00% - 666,710.85 - - - 0.00% - 671,036.31 - - - 0.00% - 675,389.84 - - - 0.00% - 679,771.61 - - - 0.00% - 684,181.81 - - - 0.00% - 688,620.62 - - - 0.00% - 693,088.23 - - - 0.00% - 697,584.82 - - - 0.00% - 702,110.59 - - - 0.00% - 706,665.72 - - - 0.00% - 711,250.40 - - - 0.00% - 715,864.83 - - - 0.00% - 720,509.19 - - - 0.00% - 725,183.68 - - - 0.00% - 729,888.50 - - - 0.00% - 734,623.85 - - - 0.00% - 739,389.92 - - - 0.00% - 744,186.91 - - - 0.00% - 749,015.02 - - - 0.00% - 753,874.45 - - - 0.00% - 758,765.41 - - - 0.00% - 763,688.10 - - - 0.00% - 768,642.73 - - - 0.00% - 773,629.51 - - - 0.00% - 778,648.63

- - - 0.00% - 783,700.32 - - - 0.00% - 788,784.79 - - - 0.00% - 793,902.24 - - - 0.00% - 799,052.89 - - - 0.00% - 804,236.96 - - - 0.00% - 809,454.66 - - - 0.00% - 814,706.21 - - - 0.00% - 819,991.83 - - - 0.00% - 825,311.75 - - - 0.00% - 830,666.18 - - - 0.00% - 836,055.34 - - - 0.00% - 841,479.47 - - - 0.00% - 846,938.79 - - - 0.00% - 852,433.54 - - - 0.00% - 857,963.92 - - - 0.00% - 863,530.19 - - - 0.00% - 869,132.57 - - - 0.00% - 874,771.30 - - - 0.00% - 880,446.61 - - - 0.00% - 886,158.74 - - - 0.00% - 891,907.93 - - - 0.00% - 897,694.42 - - - 0.00% - 903,518.46 - - - 0.00% - 909,380.27 - - - 0.00% - 915,280.12 - - - 0.00% - 921,218.24 - - - 0.00% - 927,194.89 - - - 0.00% - 933,210.31 - - - 0.00% - 939,264.76 - - - 0.00% - 945,358.49 - - - 0.00% - 951,491.75 - - - 0.00% - 957,664.81 - - - 0.00% - 963,877.91 - - - 0.00% - 970,131.33 - - - 0.00% - 976,425.31 - - - 0.00% - 982,760.13 - - - 0.00% - 989,136.05 - - - 0.00% - 995,553.33 - - - 0.00% - 1,002,012.25 - - - 0.00% - 1,008,513.07 - - - 0.00% - 1,015,056.06 - - - 0.00% - 1,021,641.51 - - - 0.00% - 1,028,269.68 - - - 0.00% - 1,034,940.85 - - - 0.00% - 1,041,655.31 - - - 0.00% - 1,048,413.32 - - - 0.00% - 1,055,215.18 - - - 0.00% - 1,062,061.17

- - - 0.00% - 1,068,951.57 - - - 0.00% - 1,075,886.68 - - - 0.00% - 1,082,866.78 - - - 0.00% - 1,089,892.17 - - - 0.00% - 1,096,963.13 - - - 0.00% - 1,104,079.97 - - - 0.00% - 1,111,242.98 - - - 0.00% - 1,118,452.47 - - - 0.00% - 1,125,708.72 - - - 0.00% - 1,133,012.06 - - - 0.00% - 1,140,362.77 - - - 0.00% - 1,147,761.18 - - - 0.00% - 1,155,207.59 - - - 0.00% - 1,162,702.30 - - - 0.00% - 1,170,245.64 - - - 0.00% - 1,177,837.92 - - - 0.00% - 1,185,479.46 - - - 0.00% - 1,193,170.57 - - - 0.00% - 1,200,911.58 - - - 0.00% - 1,208,702.81 - - - 0.00% - 1,216,544.59 - - - 0.00% - 1,224,437.25 - - - 0.00% - 1,232,381.11 - - - 0.00% - 1,240,376.51 - - - 0.00% - 1,248,423.78 - - - 0.00% - 1,256,523.26 - - - 0.00% - 1,264,675.29 - - - 0.00% - 1,272,880.21 - - - 0.00% - 1,281,138.36 - - - 0.00% - 1,289,450.08 - - - 0.00% - 1,297,815.73 - - - 0.00% - 1,306,235.66 - - - 0.00% - 1,314,710.21 - - - 0.00% - 1,323,239.74 - - - 0.00% - 1,331,824.61 - - - 0.00% - 1,340,465.17 - - - 0.00% - 1,349,161.80 - - - 0.00% - 1,357,914.84 - - - 0.00% - 1,366,724.68 - - - 0.00% - 1,375,591.66 - - - 0.00% - 1,384,516.18 - - - 0.00% - 1,393,498.60 - - - 0.00% - 1,402,539.29 - - - 0.00% - 1,411,638.63 - - - 0.00% - 1,420,797.02 - - - 0.00% - 1,430,014.81 - - - 0.00% - 1,439,292.41 - - - 0.00% - 1,448,630.21

- - - 0.00% - 1,458,028.58 - - - 0.00% - 1,467,487.93 - - - 0.00% - 1,477,008.64 - - - 0.00% - 1,486,591.13 - - - 0.00% - 1,496,235.78 - - - 0.00% - 1,505,943.01 - - - 0.00% - 1,515,713.22 - - - 0.00% - 1,525,546.81 - - - 0.00% - 1,535,444.20 - - - 0.00% - 1,545,405.80 - - - 0.00% - 1,555,432.03 - - - 0.00% - 1,565,523.31 - - - 0.00% - 1,575,680.06 - - - 0.00% - 1,585,902.70 - - - 0.00% - 1,596,191.66 - - - 0.00% - 1,606,547.38 - - - 0.00% - 1,616,970.28 - - - 0.00% - 1,627,460.81 - - - 0.00% - 1,638,019.39 - - - 0.00% - 1,648,646.48 - - - 0.00% - 1,659,342.51 - - - 0.00% - 1,670,107.93 - - - 0.00% - 1,680,943.20 - - - 0.00% - 1,691,848.77 - - - 0.00% - 1,702,825.09 - - - 0.00% - 1,713,872.62 - - - 0.00% - 1,724,991.82 - - - 0.00% - 1,736,183.16 - - - 0.00% - 1,747,447.11 - - - 0.00% - 1,758,784.14 - - - 0.00% - 1,770,194.72 - - - 0.00% - 1,781,679.32 - - - 0.00% - 1,793,238.44 - - - 0.00% - 1,804,872.55 - - - 0.00% - 1,816,582.14 - - - 0.00% - 1,828,367.70 - - - 0.00% - 1,840,229.72 - - - 0.00% - 1,852,168.70 - - - 0.00% - 1,864,185.14 - - - 0.00% - 1,876,279.53 - - - 0.00% - 1,888,452.39 - - - 0.00% - 1,900,704.23 - - - 0.00% - 1,913,035.55 - - - 0.00% - 1,925,446.88 - - - 0.00% - 1,937,938.73 - - - 0.00% - 1,950,511.62 - - - 0.00% - 1,963,166.08 - - - 0.00% - 1,975,902.64

- - - 0.00% - 1,988,721.84 - - - 0.00% - 2,001,624.20 - - - 0.00% - 2,014,610.27

- - 342,104.30

Entrada (R$) Adicional (R$) 150,000.00 200.00

Acumulado Poupança Ad. Total Poup 150,000.00 200.00 150,858.84 150,973.16 401.30 152,698.89 151,952.64 603.90 154,553.35 152,938.48 807.82 156,422.32 153,930.71 1,013.06 158,305.88 154,929.37 1,219.63 160,204.16 155,934.52 1,427.55 162,117.23 156,946.18 1,636.81 164,045.21 157,964.41 1,847.43 165,988.18 158,989.25 2,059.41 167,946.26 160,020.73 2,272.77 169,919.55 161,058.91 2,487.52 171,908.14 162,103.82 2,703.66 173,912.15 163,155.52 2,921.20 175,931.66 164,214.03 3,140.15 177,966.80 165,279.41 3,360.52 180,017.66 166,351.71 3,582.32 182,084.34 167,430.96 3,805.57 184,166.97 168,517.21 4,030.25 186,265.63 169,610.51 4,256.40 188,380.45 170,710.90 4,484.02 190,511.52 171,818.44 4,713.11 192,658.97 172,933.15 4,943.69 194,822.89 174,055.10 5,175.76 197,003.40 175,184.33 5,409.34 199,200.61 176,320.89 5,644.43 201,414.64 177,464.82 5,881.05 203,645.59 178,616.17 6,119.21 205,893.57 179,774.99 6,358.91 208,158.72 180,941.32 6,600.16 210,441.13 182,115.23 6,842.98 212,740.92 183,296.75 7,087.38 215,058.22 184,485.94 7,333.36 217,393.13 185,682.84 7,580.94 219,745.79 186,887.50 7,830.12 222,116.29 188,099.99 8,080.92 224,504.78 189,320.33 8,333.35 226,911.35 190,548.60 8,587.41 229,336.15 191,784.84 8,843.12 231,779.28 193,029.09 9,100.50 234,240.88 194,281.42 9,359.54 236,721.06 195,541.87 9,620.26 239,219.95 196,810.50 9,882.68 241,737.68 198,087.36 10,146.79 244,274.36 199,372.50 10,412.62 246,830.14

1 10 19 28 37 46 55 64 73 82 91 100109118127136145154163172181190199208217226235244253262271280289298307316325334343352361370379388397406415424433442451460469478 -

500.00

1,000.00

1,500.00

2,000.00

2,500.00

AmortizaçãoJuros


P1

Não preencher este campo. É o mesmo valor digitado como entrada.

Q1


P3

Valor disponível para dar entrada no imóvel, corrigido pela rentabilidade da poupança ao longo do tempo.

200,665.99 10,680.18 249,405.13 201,967.86 10,949.47 251,999.47 203,278.18 11,220.50 254,613.28 204,597.00 11,493.30 257,246.70 205,924.38 11,767.87 259,899.85 207,260.37 12,044.21 262,572.87 208,605.02 12,322.35 265,265.89 209,958.41 12,602.30 267,979.04 211,320.57 12,884.06 270,712.46 212,691.56 13,167.65 273,466.29 214,071.46 13,453.08 276,240.65 215,460.30 13,740.36 279,035.70 216,858.16 14,029.50 281,851.56 218,265.08 14,320.52 284,688.37 219,681.14 14,613.43 287,546.28 5 anos 221,106.38 14,908.24 290,425.42 222,540.86 15,204.96 293,325.95 223,984.66 15,503.61 296,247.99 225,437.81 15,804.19 299,191.70 226,900.40 16,106.72 302,157.21 228,372.48 16,411.22 305,144.68 229,854.11 16,717.69 308,154.25 231,345.35 17,026.15 311,186.07 232,846.26 17,336.61 314,240.28 234,356.91 17,649.09 317,317.04 235,877.36 17,963.59 320,416.49 237,407.68 18,280.14 323,538.79 238,947.93 18,598.73 326,684.09 240,498.17 18,919.40 329,852.55 242,058.46 19,242.14 333,044.31 243,628.88 19,566.98 336,259.53 245,209.49 19,893.93 339,498.37 246,800.35 20,222.99 342,760.99 248,401.53 20,554.20 346,047.54 250,013.10 20,887.55 349,358.19 251,635.13 21,223.06 352,693.09 253,267.68 21,560.75 356,052.41 254,910.82 21,900.63 359,436.30 256,564.62 22,242.72 362,844.94 258,229.15 22,587.02 366,278.48 259,904.48 22,933.56 369,737.09 261,590.68 23,282.35 373,220.95 263,287.82 23,633.40 376,730.21 264,995.97 23,986.73 380,265.05 266,715.20 24,342.35 383,825.63 268,445.59 24,700.28 387,412.13 270,187.20 25,060.53 391,024.72 271,940.11 25,423.11 394,663.57

273,704.39 25,788.05 398,328.86 275,480.12 26,155.36 402,020.77 277,267.37 26,525.05 405,739.46 279,066.22 26,897.14 409,485.13 280,876.74 27,271.64 413,257.94 282,699.00 27,648.57 417,058.07 284,533.08 28,027.95 420,885.72 286,379.07 28,409.79 424,741.06 288,237.03 28,794.10 428,624.28 290,107.04 29,180.91 432,535.56 291,989.19 29,570.23 436,475.08 293,883.55 29,962.08 440,443.04 295,790.19 30,356.46 444,439.63 297,709.21 30,753.41 448,465.02 299,640.68 31,152.93 452,519.43 301,584.68 31,555.04 456,603.03 303,541.29 31,959.76 460,716.02 305,510.59 32,367.11 464,858.60 307,492.67 32,777.10 469,030.96 309,487.61 33,189.75 473,233.30 311,495.50 33,605.08 477,465.82 313,516.41 34,023.10 481,728.71 315,550.43 34,443.84 486,022.19 317,597.64 34,867.30 490,346.45 319,658.14 35,293.51 494,701.70 321,732.01 35,722.49 499,088.15 323,819.33 36,154.24 503,505.99 10 anos 325,920.20 36,588.81 507,955.44 328,034.69 37,026.18 512,436.70 330,162.90 37,466.40 516,949.99 332,304.92 37,909.48 521,495.53 334,460.84 38,355.42 526,073.52 336,630.74 38,804.26 530,684.17 338,814.72 39,256.02 535,327.71 341,012.87 39,710.70 540,004.35 343,225.28 40,168.33 544,714.32 345,452.05 40,628.94 549,457.83 347,693.26 41,092.53 554,235.10 349,949.01 41,559.13 559,046.36 352,219.40 42,028.75 563,891.83 354,504.52 42,501.43 568,771.74 356,804.46 42,977.16 573,686.32 359,119.32 43,455.99 578,635.80 361,449.21 43,937.92 583,620.40 363,794.20 44,422.98 588,640.36 366,154.42 44,911.19 593,695.92 368,529.94 45,402.56 598,787.31 370,920.87 45,897.12 603,914.76

373,327.32 46,394.89 609,078.52 375,749.38 46,895.89 614,278.82 378,187.16 47,400.14 619,515.91 380,640.75 47,907.66 624,790.02 383,110.25 48,418.48 630,101.42 385,595.78 48,932.60 635,450.33 388,097.44 49,450.07 640,837.01 390,615.32 49,970.89 646,261.71 393,149.54 50,495.09 651,724.68 395,700.21 51,022.69 657,226.17 398,267.42 51,553.71 662,766.44 400,851.28 52,088.18 668,345.74 403,451.91 52,626.11 673,964.34 406,069.41 53,167.54 679,622.48 408,703.90 53,712.48 685,320.43 411,355.47 54,260.95 691,058.46 414,024.25 54,812.98 696,836.83 416,710.34 55,368.60 702,655.81 419,413.86 55,927.82 708,515.65 422,134.92 56,490.66 714,416.65 424,873.63 57,057.16 720,359.05 427,630.11 57,627.33 726,343.15 430,404.48 58,201.21 732,369.20 433,196.84 58,778.80 738,437.50 436,007.32 59,360.15 744,548.32 438,836.03 59,945.26 750,701.94 441,683.10 60,534.17 756,898.63 444,548.63 61,126.90 763,138.70 447,432.76 61,723.48 769,422.42 450,335.60 62,323.93 775,750.07 453,257.27 62,928.27 782,121.96 456,197.90 63,536.53 788,538.37 459,157.60 64,148.74 794,999.59 462,136.51 64,764.93 801,505.93 465,134.74 65,385.11 808,057.67 468,152.43 66,009.31 814,655.12 471,189.69 66,637.56 821,298.58 474,246.66 67,269.89 827,988.35 477,323.46 67,906.32 834,724.74 15 anos 480,420.22 68,546.88 840,340.24 483,537.08 69,191.60 845,992.17 486,674.15 69,840.50 851,680.77 489,831.58 70,493.61 857,406.28 493,009.49 71,150.95 863,168.93 496,208.02 71,812.56 868,968.96 499,427.30 72,478.47 874,806.63 502,667.47 73,148.69 880,682.17 505,928.66 73,823.26 886,595.83

509,211.01 74,502.21 892,547.86 512,514.65 75,185.56 898,538.50 515,839.72 75,873.35 904,568.00 519,186.37 76,565.60 910,636.63 522,554.73 77,262.34 916,744.63 525,944.94 77,963.60 922,892.25 529,357.15 78,669.41 929,079.76 532,791.49 79,379.79 935,307.41 536,248.12 80,094.79 941,575.47 539,727.17 80,814.43 947,884.19 543,228.79 81,538.73 954,233.84 546,753.14 82,267.74 960,624.68 550,300.34 83,001.47 967,056.99 553,870.56 83,739.97 973,531.03 557,463.94 84,483.25 980,047.07 561,080.64 85,231.36 986,605.39 564,720.80 85,984.32 993,206.25 568,384.57 86,742.17 999,849.94 572,072.12 87,504.93 1,006,536.73 575,783.59 88,272.64 1,013,266.91 579,519.14 89,045.33 1,020,040.74 583,278.92 89,823.04 1,026,858.53 587,063.10 90,605.79 1,033,720.55 590,871.83 91,393.62 1,040,627.08 594,705.27 92,186.56 1,047,578.43 598,563.57 92,984.64 1,054,574.87 602,446.91 93,787.91 1,061,616.70 606,355.45 94,596.38 1,068,704.22 610,289.34 95,410.10 1,075,837.73 614,248.75 96,229.10 1,083,017.51 618,233.86 97,053.41 1,090,243.87 622,244.81 97,883.07 1,097,517.12 626,281.79 98,718.11 1,104,837.55 630,344.96 99,558.57 1,112,205.48 634,434.49 100,404.48 1,119,621.21 638,550.55 101,255.88 1,127,085.05 642,693.32 102,112.81 1,134,597.31 646,862.96 102,975.29 1,142,158.31 651,059.66 103,843.37 1,149,768.37 655,283.58 104,717.08 1,157,427.80 659,534.91 105,596.46 1,165,136.92 663,813.81 106,481.55 1,172,896.05 668,120.48 107,372.38 1,180,705.53 672,455.09 108,268.98 1,188,565.67 676,817.82 109,171.41 1,196,476.80 681,208.86 110,079.68 1,204,439.26 685,628.38 110,993.86 1,212,453.38 690,076.58 111,913.96 1,220,519.49

694,553.63 112,840.03 1,228,637.94 699,059.73 113,772.11 1,236,809.05 703,595.07 114,710.24 1,245,033.18 20 anos 708,159.83 115,654.45 1,253,310.66 712,754.20 116,604.79 1,261,641.85 717,378.39 117,561.29 1,270,027.09 722,032.57 118,524.00 1,278,466.72 726,716.95 119,492.96 1,286,961.12 731,431.72 120,468.20 1,295,510.62 736,177.07 121,449.77 1,304,115.59 740,953.22 122,437.71 1,312,776.38 745,760.35 123,432.05 1,321,493.37 750,598.67 124,432.85 1,330,266.91 755,468.37 125,440.14 1,339,097.37 760,369.68 126,453.97 1,347,985.12 765,302.78 127,474.37 1,356,930.53 770,267.88 128,501.40 1,365,933.98 775,265.20 129,535.08 1,374,995.83 780,294.94 130,575.48 1,384,116.49 785,357.31 131,622.62 1,393,296.31 790,452.52 132,676.56 1,402,535.69 795,580.79 133,737.33 1,411,835.01 800,742.33 134,804.99 1,421,194.67 805,937.36 135,879.57 1,430,615.04 811,166.10 136,961.13 1,440,096.54 816,428.75 138,049.70 1,449,639.55 821,725.55 139,145.33 1,459,244.47 827,056.71 140,248.07 1,468,911.70 832,422.46 141,357.97 1,478,641.66 837,823.02 142,475.07 1,488,434.74 843,258.62 143,599.41 1,498,291.35 848,729.49 144,731.05 1,508,211.92 854,235.84 145,870.03 1,518,196.84 859,777.93 147,016.40 1,528,246.55 865,355.96 148,170.21 1,538,361.45 870,970.19 149,331.51 1,548,541.98 876,620.84 150,500.33 1,558,788.56 882,308.15 151,676.74 1,569,101.61 888,032.36 152,860.79 1,579,481.58 893,793.71 154,052.51 1,589,928.88 899,592.43 155,251.97 1,600,443.97 905,428.77 156,459.21 1,611,027.27 911,302.98 157,674.28 1,621,679.24 917,215.30 158,897.23 1,632,400.31 923,165.98 160,128.12 1,643,190.94 929,155.27 161,366.99 1,654,051.58 935,183.41 162,613.90 1,664,982.68 941,250.66 163,868.91 1,675,984.70

947,357.27 165,132.05 1,687,058.09 953,503.50 166,403.39 1,698,203.33 959,689.61 167,682.97 1,709,420.88 965,915.85 168,970.86 1,720,711.20 972,182.49 170,267.10 1,732,074.77 978,489.78 171,571.76 1,743,512.06 984,837.99 172,884.87 1,755,023.56 991,227.39 174,206.51 1,766,609.74 997,658.24 175,536.72 1,778,271.09

### 176,875.56 1,790,008.10 ### 178,223.09 1,801,821.25 ### 179,579.36 1,813,711.04 ### 180,944.43 1,825,677.98 ### 182,318.35 1,837,722.55 ### 183,701.19 1,849,845.26 25 anos### 185,093.00 1,862,046.62 ### 186,493.84 1,874,327.14 ### 187,903.77 1,886,687.34 ### 189,322.85 1,899,127.72 ### 190,751.13 1,911,648.82 ### 192,188.68 1,924,251.15 ### 193,635.55 1,936,935.24 ### 195,091.81 1,949,701.62 ### 196,557.52 1,962,550.83 ### 198,032.74 1,975,483.40 ### 199,517.53 1,988,499.87 ### 201,011.96 2,001,600.79 ### 202,516.07 2,014,786.71 ### 204,029.95 2,028,058.17 ### 205,553.65 2,041,415.73 ### 207,087.23 2,054,859.96 ### 208,630.77 2,068,391.41 ### 210,184.31 2,082,010.65 ### 211,747.94 2,095,718.25 ### 213,321.71 2,109,514.77 ### 214,905.69 2,123,400.81 ### 216,499.95 2,137,376.94 ### 218,104.55 2,151,443.74 ### 219,719.56 2,165,601.80 ### 221,345.05 2,179,851.72 ### 222,981.09 2,194,194.08 ### 224,627.74 2,208,629.50 ### 226,285.07 2,223,158.57 ### 227,953.15 2,237,781.90 ### 229,632.06 2,252,500.11 ### 231,321.86 2,267,313.80 ### 233,022.62 2,282,223.60 ### 234,734.42 2,297,230.13

### 236,457.32 2,312,334.02 ### 238,191.40 2,327,535.90 ### 239,936.73 2,342,836.41 ### 241,693.38 2,358,236.18 ### 243,461.43 2,373,735.86 ### 245,240.95 2,389,336.11 ### 247,032.02 2,405,037.56 ### 248,834.70 2,420,840.88 ### 250,649.08 2,436,746.73 ### 252,475.24 2,452,755.77 ### 254,313.24 2,468,868.67 ### 256,163.16 2,485,086.11 ### 258,025.09 2,501,408.77 ### 259,899.09 2,517,837.32 ### 261,785.26 2,534,372.46 ### 263,683.66 2,551,014.87 ### 265,594.38 2,567,765.26 ### 267,517.49 2,584,624.32 ### 269,453.08 2,601,592.76 ### 271,401.23 2,618,671.28 ### 273,362.02 2,635,860.60 ### 275,335.53 2,653,161.45 ### 277,321.84 2,670,574.54 ### 279,321.04 2,688,100.60 ### 281,333.21 2,705,740.37 ### 283,358.43 2,723,494.58 ### 285,396.79 2,741,363.97 30 anos### 287,448.38 2,759,349.30 ### 289,513.28 2,777,451.31 ### 291,591.57 2,795,670.76 ### 293,683.35 2,814,008.42 ### 295,788.70 2,832,465.04 ### 297,907.71 2,851,041.41 ### 300,040.46 2,869,738.30 ### 302,187.06 2,888,556.49 ### 304,347.57 2,907,496.77 ### 306,522.11 2,926,559.92 ### 308,710.75 2,945,746.76 ### 310,913.60 2,965,058.07 ### 313,130.73 2,984,494.67 ### 315,362.25 3,004,057.37 ### 317,608.25 3,023,746.99 ### 319,868.81 3,043,564.36 ### 322,144.05 3,063,510.29 ### 324,434.04 3,083,585.62 ### 326,738.90 3,103,791.20 ### 329,058.70 3,124,127.87 ### 331,393.56 3,144,596.48

### 333,743.56 3,165,197.89 ### 336,108.81 3,185,932.95 ### 338,489.40 3,206,802.53 ### 340,885.44 3,227,807.52 ### 343,297.03 3,248,948.77 ### 345,724.26 3,270,227.19 ### 348,167.24 3,291,643.66 ### 350,626.07 3,313,199.07 ### 353,100.85 3,334,894.33 ### 355,591.68 3,356,730.34 ### 358,098.68 3,378,708.02 ### 360,621.94 3,400,828.29 ### 363,161.57 3,423,092.06 ### 365,717.67 3,445,500.28 ### 368,290.36 3,468,053.88 ### 370,879.75 3,490,753.80 ### 373,485.93 3,513,600.99 ### 376,109.02 3,536,596.41 ### 378,749.12 3,559,741.02 ### 381,406.36 3,583,035.78 ### 384,080.83 3,606,481.68 ### 386,772.66 3,630,079.69 ### 389,481.95 3,653,830.79 ### 392,208.82 3,677,735.99 ### 394,953.38 3,701,796.28 ### 397,715.74 3,726,012.66 ### 400,496.03 3,750,386.16 ### 403,294.35 3,774,917.79 ### 406,110.83 3,799,608.57 ### 408,945.58 3,824,459.54 ### 411,798.73 3,849,471.73 ### 414,670.38 3,874,646.20 ### 417,560.66 3,899,984.00 ### 420,469.70 3,925,486.18 ### 423,397.61 3,951,153.81 ### 426,344.51 3,976,987.97 ### 429,310.54 4,002,989.74 ### 432,295.80 4,029,160.20 ### 435,300.44 4,055,500.44 35 anos### 438,324.56 4,082,011.58 ### 441,368.31 4,108,694.71 ### 444,431.80 4,135,550.96 ### 447,515.17 4,162,581.45 ### 450,618.55 4,189,787.30 ### 453,742.05 4,217,169.66 ### 456,885.83 4,244,729.66 ### 460,049.99 4,272,468.47 ### 463,234.69 4,300,387.25

### 466,440.05 4,328,487.15 ### 469,666.20 4,356,769.36 ### 472,913.29 4,385,235.06 ### 476,181.44 4,413,885.43 ### 479,470.79 4,442,721.69 ### 482,781.48 4,471,745.02 ### 486,113.66 4,500,956.66 ### 489,467.45 4,530,357.81 ### 492,843.00 4,559,949.71 ### 496,240.45 4,589,733.59 ### 499,659.94 4,619,710.71 ### 503,101.62 4,649,882.31 ### 506,565.62 4,680,249.65 ### 510,052.10 4,710,814.01 ### 513,561.20 4,741,576.67 ### 517,093.06 4,772,538.91 ### 520,647.84 4,803,702.02 ### 524,225.68 4,835,067.31 ### 527,826.74 4,866,636.10 ### 531,451.15 4,898,409.69 ### 535,099.08 4,930,389.42 ### 538,770.68 4,962,576.63 ### 542,466.10 4,994,972.67 ### 546,185.49 5,027,578.88 ### 549,929.02 5,060,396.63 ### 553,696.83 5,093,427.30 ### 557,489.08 5,126,672.26 ### 561,305.94 5,160,132.91 ### 565,147.56 5,193,810.64 ### 569,014.11 5,227,706.86 ### 572,905.74 5,261,823.00 ### 576,822.61 5,296,160.47 ### 580,764.90 5,330,720.72 ### 584,732.77 5,365,505.19 ### 588,726.38 5,400,515.33 ### 592,745.90 5,435,752.60 ### 596,791.49 5,471,218.49 ### 600,863.34 5,506,914.47 ### 604,961.60 5,542,842.04 ### 609,086.45 5,579,002.70 ### 613,238.06 5,615,397.96 ### 617,416.60 5,652,029.35 ### 621,622.26 5,688,898.39 ### 625,855.19 5,726,006.63 ### 630,115.60 5,763,355.62 ### 634,403.64 5,800,946.91 ### 638,719.50 5,838,782.10 ### 643,063.36 5,876,862.75

### 647,435.41 5,915,190.45 ### 651,835.82 5,953,766.82 ### 656,264.77 5,992,593.46 40 anos

1 10 19 28 37 46 55 64 73 82 91 100109118127136145154163172181190199208217226235244253262271280289298307316325334343352361370379388397406415424433442451460469478 -

500.00

1,000.00

1,500.00

2,000.00

2,500.00

AmortizaçãoJuros

TR CRÍTICA SAC

60

9.1499% 0.732268%

0.51% 6.28%120 0.39% 4.78%180 0.32% 3.86%240 0.27% 3.23%300 0.23% 2.78%360 0.20% 2.44%420 0.18% 2.18%480 0.16% 1.96%

Períodos de prestação crescente

60

9.1499% 0.732268%

0.51% 6.28% 0.56% 6.93% 18 120 0.39% 4.78% 0.43% 5.27% 23 180 0.32% 3.86% 0.35% 4.25% 29 240 0.27% 3.23% 0.29% 3.56% 34 300 0.23% 2.78% 0.25% 3.07% 40 360 0.20% 2.44% 0.22% 2.69% 45 420 0.18% 2.18% 0.20% 2.40% 51 480 0.16% 1.96% 0.18% 2.16% 56

Períodos (n)

Taxa de Juros aa

Taxa de Juros am (j)

TR Crítica am (t)

TR Crítica aa

Períodos (n)

Taxa de Juros aa

Taxa de Juros am (j)

TR Crítica am (t)

TR Crítica aa

TR 10% acima do crítico am

TR 10% acima do crítico aa

Número de períodos (k)

Existe uma TR (t) crítica para cada par de valores [número de períodos (n) e taxa de juros (j)].

A condição para que a prestação AUMENTE por algum tempo é que a TR (t) satisfaça a seguinte inequação:

t > j / (n * j + 1)

Portanto, para um determinado número de períodos de pagamento e determinada taxa de juros, uma TR maior que a calculada nas colunas D ou E, ao lado, fará a prestação do financiamento aumentar por um determinado período de tempo, período este que depende do quão acima do nível crítico for a TR.

O número de períodos (k) durante o qual a prestação aumentará pode ser escrito como:

k < n – (j – t) / j / t

OBS: Valores aproximados. Simule na planilha de financiamento. Válido para o sistema SAC. No Price é outro cálculo.

Preencher somente este campo.

A1

Existe uma TR (t) crítica para cada par de valores [número de períodos (n) e taxa de juros (j)]. A condição para que a prestação AUMENTE por algum tempo é que a TR (t) satisfaça a seguinte inequação: t > j / (n * j + 1) Portanto, para um determinado número de períodos de pagamento e determinada taxa de juros, uma TR maior que a calculada nas colunas D ou E, ao lado, fará a prestação do financiamento aumentar por um determinado período de tempo, período este que depende do quão acima do nível crítico for a TR. O número de períodos (k) durante o qual a prestação aumentará pode ser escrito como: k < n – (j – t) / j / t OBS: Valores aproximados. Simule na planilha de financiamento. Válido para o sistema SAC. No Price é outro cálculo.

B3

Preencher somente este campo.

H22

Períodos do financiamento que terão aumento de prestação

Existe uma TR (t) crítica para cada par de valores [número de períodos (n) e taxa de juros (j)].

A condição para que a prestação AUMENTE por algum tempo é que a TR (t) satisfaça a seguinte inequação:

t > j / (n * j + 1)

Portanto, para um determinado número de períodos de pagamento e determinada taxa de juros, uma TR maior que a calculada nas colunas D ou E, ao lado, fará a prestação do financiamento aumentar por um determinado período de tempo, período este que depende do quão acima do nível crítico for a TR.

O número de períodos (k) durante o qual a prestação aumentará pode ser escrito como:

k < n – (j – t) / j / t

OBS: Valores aproximados. Simule na planilha de financiamento. Válido para o sistema SAC. No Price é outro cálculo.

Prazo (meses) 60 120PRINCIPAL R$ 300,000.00 PRESTAÇÃO INICIAL R$ 6,477.12 R$ 4,227.12 ENTRADA R$ 30,000.00 TOTAL AMORTIZADO R$ 270,000.00 R$ 270,000.00 TAXA DE JUROS aa 9.1499% TOTAL DE JUROS R$ 60,302.26 R$ 119,615.96 TAXA DE JUROS am 0.73227% TOTAL PRESTAÇÕES R$ 330,302.26 R$ 389,615.96

RENDA FAMILIAR R$ 21,590.41 R$ 14,090.41

Preencha apenas os campos em amarelo. Não preencha o restante. Na taxa de juros, coloque o Custo Efetivo Total - CET. Não estão incluídos os efeitos da TR.

Se quiser um comparativo mais completo, exiba as colunas ocultas. Começa a partir da coluna N. Você poderá ver todas as planilhas dos financiamentos, lado a lado.

A5

Sempre coloque a taxa de juros EFETIVA - Ou CET - Custo Efetuvo total

D5

Lembre-se de que esta informação é meramente ilustrativa. Não se deve somar os juros pagos, pois o dinheiro não tem o mesmo valor no tempo. O correto seria trazer todos os valores a valor presente.

D7

Considerei como seguro, comprometer 30% da renda bruta familiar para o pagamento da primeira prestação.

A8

Preencha apenas os campos em amarelo. Não preencha o restante. Na taxa de juros, coloque o Custo Efetivo Total - CET. Não estão incluídos os efeitos da TR. Se quiser um comparativo mais completo, exiba as colunas ocultas. Começa a partir da coluna N. Você poderá ver todas as planilhas dos financiamentos, lado a lado.

180 240 300 360 420 R$ 3,477.12 R$ 3,102.12 R$ 2,877.12 R$ 2,727.12 R$ 2,619.98 R$ 270,000.00 R$ 270,000.00 R$ 270,000.00 R$ 270,000.00 R$ 270,000.00 R$ 178,929.66 R$ 238,243.36 R$ 297,557.06 R$ 356,870.76 R$ 416,184.46 R$ 448,929.66 R$ 508,243.36 R$ 567,557.06 R$ 626,870.76 R$ 686,184.46 R$ 11,590.41 R$ 10,340.41 R$ 9,590.41 R$ 9,090.41 R$ 8,733.27

480 R$ 2,539.62 R$ 270,000.00 R$ 475,498.16 R$ 745,498.16 R$ 8,465.41

1 11 21 31 41 51 61 71 81 91 101111121131141151161171181191201211221231241251261271281291301311321331341351361371381391401411421431441451461471 -

500.00

1,000.00

1,500.00

2,000.00

2,500.00

SAC PrestaçõesPrice Prestações

1 11 21 31 41 51 61 71 81 91 101111121131141151161171181191201211221231241251261271281291301311321331341351361371381391401411421431441451461471 -

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1,000.00

1,200.00

1,400.00

SAC JurosPrice Juros

1 11 21 31 41 51 61 71 81 91 101111121131141151161171181191201211221231241251261271281291301311321331341351361371381391401411421431441451461471 -

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1 12 23 34 45 56 67 78 89 100 111 122 133 144 155 166 177 188 199 210 221 232 243 254 265 276 287 298 309 320 331 342 353 364 375 386 397 408 419 430 441 452 463 474 -

20,000.00

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60,000.00

80,000.00

100,000.00

120,000.00

140,000.00

160,000.00

SAC Saldo DevedorPrice Saldo Devedor

SAC Composição

Total amortizadoTotal de juros pagos

Price Composição


Observações:1 - Financiamento via SAC cobra menos juros que Price. O Price tem um custo financieiro maior para o mutuário;2 - Financiamento Price permite que o mutuário financie um montante maior que o SAC, para tempo, taxa de juros e valor de prestação iguais;

Saiba mais em:-- http://pt.wikipedia.org/wiki/Sistema_de_Amortiza%C3%A7%C3%A3o_Constante-- http://pt.wikipedia.org/wiki/Tabela_Price-- http://pt.wikipedia.org/wiki/Amortiza%C3%A7%C3%A3o-- www.bolhaimobiliariabrasil.com-- www.opequenoinvestidor.com.br

A91

Observações: 1 - Financiamento via SAC cobra menos juros que Price. O Price tem um custo financieiro maior para o mutuário; 2 - Financiamento Price permite que o mutuário financie um montante maior que o SAC, para tempo, taxa de juros e valor de prestação iguais; Saiba mais em: -- http://pt.wikipedia.org/wiki/Sistema_de_Amortiza%C3%A7%C3%A3o_Constante -- http://pt.wikipedia.org/wiki/Tabela_Price -- http://pt.wikipedia.org/wiki/Amortiza%C3%A7%C3%A3o -- www.bolhaimobiliariabrasil.com -- www.opequenoinvestidor.com.br

1 11 21 31 41 51 61 71 81 91 101111121131141151161171181191201211221231241251261271281291301311321331341351361371381391401411421431441451461471 -

500.00

1,000.00

1,500.00

2,000.00

2,500.00


1 11 21 31 41 51 61 71 81 91 101111121131141151161171181191201211221231241251261271281291301311321331341351361371381391401411421431441451461471 -

200.00

400.00

600.00

800.00

1,000.00

1,200.00

1,400.00


1 11 21 31 41 51 61 71 81 91 101111121131141151161171181191201211221231241251261271281291301311321331341351361371381391401411421431441451461471 -

200.00

400.00

600.00

800.00

1,000.00

1,200.00

1,400.00


1 12 23 34 45 56 67 78 89 100 111 122 133 144 155 166 177 188 199 210 221 232 243 254 265 276 287 298 309 320 331 342 353 364 375 386 397 408 419 430 441 452 463 474 -

20,000.00

40,000.00

60,000.00

80,000.00

100,000.00

120,000.00

140,000.00

160,000.00


Price Composição




1 11 21 31 41 51 61 71 81 91 101111121131141151161171181191201211221231241251261271281291301311321331341351361371381391401411421431441451461471 -

500.00

1,000.00

1,500.00

2,000.00

2,500.00


1 11 21 31 41 51 61 71 81 91 101111121131141151161171181191201211221231241251261271281291301311321331341351361371381391401411421431441451461471 -

200.00

400.00

600.00

800.00

1,000.00

1,200.00

1,400.00


1 11 21 31 41 51 61 71 81 91 101111121131141151161171181191201211221231241251261271281291301311321331341351361371381391401411421431441451461471 -

200.00

400.00

600.00

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1,000.00

1,200.00

1,400.00


1 12 23 34 45 56 67 78 89 100 111 122 133 144 155 166 177 188 199 210 221 232 243 254 265 276 287 298 309 320 331 342 353 364 375 386 397 408 419 430 441 452 463 474 -

20,000.00

40,000.00

60,000.00

80,000.00

100,000.00

120,000.00

140,000.00

160,000.00


Valor Prestação 2,000.00 Taxa de Juros aa 9.1499%Taxa de Juros am 0.7323%Nº Prestações 180

Principal SAC 155,300.79 Principal Price 199,671.03

Renda Familiar 6,666.67

Preencher somente Valor Prestação, Taxa de Juros aa e Nº Prestações. Observe os demais comentários, alguns estão ocultos. Aponte o mouse em cima da célula para que sejam exibidos.

Para o valor de prestação digitado em B1, na taxa de juros aa B2, pagos pela quantidade de tempo B4, é possível contrair o financiamento de valor B7, pelo sistema SAC.

Para o valor de prestação digitado em B1, na taxa de juros aa B2, pagos pela quantidade de tempo B4, é possível contrair o financiamento de valor B7, pelo sistema Price. Repare que o sistema Price permite que o mutuário financie um valor maior pagando o mesmo valor de prestação. Porém, não se esqueça que o custo financeiro do Price é maior que o custo do SAC.

A1

Insira o valor da prestação no sistema Price ou o valor da primeira prestação no sistema SAC.

D1

Preencher somente Valor Prestação, Taxa de Juros aa e Nº Prestações. Observe os demais comentários, alguns estão ocultos. Aponte o mouse em cima da célula para que sejam exibidos.

A2

Neste campo, coloque A Taxa de Juros Efetiva do financiamento para ter um valor mais próximo à realidade.

A4

Sempre em MESES.

B6

Para o valor de prestação digitado em B1, na taxa de juros aa B2, pagos pela quantidade de tempo B4, é possível contrair o financiamento de valor B7, pelo sistema SAC.

B7

Para o valor de prestação digitado em B1, na taxa de juros aa B2, pagos pela quantidade de tempo B4, é possível contrair o financiamento de valor B7, pelo sistema Price. Repare que o sistema Price permite que o mutuário financie um valor maior pagando o mesmo valor de prestação. Porém, não se esqueça que o custo financeiro do Price é maior que o custo do SAC.

A9

Renda familiar segura para contratar este financiamento de forma a não comprometer o restante das despesas domésticas.

Principal 198,645.00 Valor Prestação 2,000.00 Nº Prestações 180

Taxa de Juros aa SAC 5.5516%

Confira se a taxa de juros informada pela financeira é a realidade. Atente sempre para o CET - Custo Efetivo Total. Quando as parcelas incluem seguros, taxas administrativas e outras taxas, a taxa de juros informada é menor que o custo efetivo total do financiamento.

J8

Confira se a taxa de juros informada pela financeira é a realidade. Atente sempre para o CET - Custo Efetivo Total. Quando as parcelas incluem seguros, taxas administrativas e outras taxas, a taxa de juros informada é menor que o custo efetivo total do financiamento.

Simula Crédito Pessoal

Valor Tomado R$ 7,500.00 Valor Parcela 731.15 Taxa de Juros am 2.5000% Tempo 12Número de meses 12 Taxa de Juros 2.5000%Parcela R$ 731.15

Valor Emprestado 7,499.96 Total Pago R$ 8,773.84 Juros Simples Pagos R$ 1,273.84 16.985%

Quanto posso pegar emprestado com esta parcela?

Cartão de CréditoValor Fatura 236.65Pagamento Mínimo 35.50 15%Taxa de Juros am 14.49%Próxima Fatura 230.30 Encargos Próxima 29.15 Total Abatido 2.684%

Repare que abate-se pouquíssimo de um mês para o outro, quando paga-se o mínimo da fatura. Conclusão: nunca vale a pena deixar de pagar a fatura cheia do cartão

I7

Repare que abate-se pouquíssimo de um mês para o outro, quando paga-se o mínimo da fatura. Conclusão: nunca vale a pena deixar de pagar a fatura cheia do cartão

Valores (R$)n Saldo Devedor Amortização Juros

PRINCIPAL R$ 200,000.00 0 180,000.00 ENTRADA R$ 20,000.00 1 180,000.00 1,000.00 1,276.51 TAXA DE JUROS aa 8.8500% 2 179,000.00 1,000.00 1,269.42 TAXA DE JUROS am 0.70917% 3 178,000.00 1,000.00 1,262.33 Nº Prestações 180 4 177,000.00 1,000.00 1,255.24

5 176,000.00 1,000.00 1,248.15 % princ. 6 175,000.00 1,000.00 1,241.06

TOTAL AMORTIZADO R$ 180,000.00 7 174,000.00 1,000.00 1,233.96 TOTAL DE JUROS R$ 115,524.53 64.18% 8 173,000.00 1,000.00 1,226.87 TOTAL SEGURO R$ - 0.00% 9 172,000.00 1,000.00 1,219.78

2.50% 10 171,000.00 1,000.00 1,212.69 TOTAL TX ADM R$ 4,500.00 169.51% 11 170,000.00 1,000.00 1,205.60 TOTAL PRESTAÇÕES R$ 305,124.53 12 169,000.00 1,000.00 1,198.50 Renda Familiar Segura 7,766.16 13 168,000.00 1,000.00 1,191.41

14 167,000.00 1,000.00 1,184.32 15 166,000.00 1,000.00 1,177.23 16 165,000.00 1,000.00 1,170.14 17 164,000.00 1,000.00 1,163.05 18 163,000.00 1,000.00 1,155.95 19 162,000.00 1,000.00 1,148.86 20 161,000.00 1,000.00 1,141.77 21 160,000.00 1,000.00 1,134.68 22 159,000.00 1,000.00 1,127.59 23 158,000.00 1,000.00 1,120.50 24 157,000.00 1,000.00 1,113.40 25 156,000.00 1,000.00 1,106.31 26 155,000.00 1,000.00 1,099.22 27 154,000.00 1,000.00 1,092.13 28 153,000.00 1,000.00 1,085.04 29 152,000.00 1,000.00 1,077.95 30 151,000.00 1,000.00 1,070.85 31 150,000.00 1,000.00 1,063.76 32 149,000.00 1,000.00 1,056.67 33 148,000.00 1,000.00 1,049.58 34 147,000.00 1,000.00 1,042.49 35 146,000.00 1,000.00 1,035.39 36 145,000.00 1,000.00 1,028.30 37 144,000.00 1,000.00 1,021.21 38 143,000.00 1,000.00 1,014.12 39 142,000.00 1,000.00 1,007.03 40 141,000.00 1,000.00 999.94 41 140,000.00 1,000.00 992.84 42 139,000.00 1,000.00 985.75 43 138,000.00 1,000.00 978.66 44 137,000.00 1,000.00 971.57 45 136,000.00 1,000.00 964.48

Preencher somente PRINCIPAL, ENTRADA, TAXA DE JUROS aa e Nº PRESTAÇÕES. Não preencher TAXA DE JUROS am. Observe os demais comentários, alguns estão ocultos. Aponte o mouse em cima da célula para que sejam exibidos. Preencher também um valor de mensalidade de conta corrente na CEF e um valor de anuidade do cartão de crédito. A intenção é descobrir qual o verdadeiro custo efetivo do financiamento.

E2

Lembre-se de que o saldo devedor é corrigido pelo IGP-M. Não considerei esta correção na planilha.

A5

Neste campo, coloque A Taxa de Juros Efetiva do financiamento para ter um valor mais próximo à realidade.

A7

Sempre em MESES.

C9

Percentual do valor em relação ao principal financiado.

A16

Considerei como seguro, comprometer 30% da renda bruta familiar para o pagamento da primeira prestação. Lembre-se de que estas prestações e o saldo devedor são corrigidos mensalmente pelo IGP-M, que cresce mais que o valor do nosso salário mensal.

A17

Preencher somente PRINCIPAL, ENTRADA, TAXA DE JUROS aa e Nº PRESTAÇÕES. Não preencher TAXA DE JUROS am. Observe os demais comentários, alguns estão ocultos. Aponte o mouse em cima da célula para que sejam exibidos. Preencher também um valor de mensalidade de conta corrente na CEF e um valor de anuidade do cartão de crédito. A intenção é descobrir qual o verdadeiro custo efetivo do financiamento.

46 135,000.00 1,000.00 957.39 47 134,000.00 1,000.00 950.29 48 133,000.00 1,000.00 943.20 49 132,000.00 1,000.00 936.11 50 131,000.00 1,000.00 929.02 51 130,000.00 1,000.00 921.93 52 129,000.00 1,000.00 914.84 53 128,000.00 1,000.00 907.74 54 127,000.00 1,000.00 900.65 55 126,000.00 1,000.00 893.56 56 125,000.00 1,000.00 886.47 57 124,000.00 1,000.00 879.38 58 123,000.00 1,000.00 872.28 59 122,000.00 1,000.00 865.19 60 121,000.00 1,000.00 858.10 61 120,000.00 1,000.00 851.01 62 119,000.00 1,000.00 843.92 63 118,000.00 1,000.00 836.83 64 117,000.00 1,000.00 829.73 65 116,000.00 1,000.00 822.64 66 115,000.00 1,000.00 815.55 67 114,000.00 1,000.00 808.46 68 113,000.00 1,000.00 801.37 69 112,000.00 1,000.00 794.28 70 111,000.00 1,000.00 787.18 71 110,000.00 1,000.00 780.09 72 109,000.00 1,000.00 773.00 73 108,000.00 1,000.00 765.91 74 107,000.00 1,000.00 758.82 75 106,000.00 1,000.00 751.72 76 105,000.00 1,000.00 744.63 77 104,000.00 1,000.00 737.54 78 103,000.00 1,000.00 730.45 79 102,000.00 1,000.00 723.36 80 101,000.00 1,000.00 716.27 81 100,000.00 1,000.00 709.17 82 99,000.00 1,000.00 702.08 83 98,000.00 1,000.00 694.99 84 97,000.00 1,000.00 687.90 85 96,000.00 1,000.00 680.81 86 95,000.00 1,000.00 673.72 87 94,000.00 1,000.00 666.62 88 93,000.00 1,000.00 659.53 89 92,000.00 1,000.00 652.44 90 91,000.00 1,000.00 645.35 91 90,000.00 1,000.00 638.26 92 89,000.00 1,000.00 631.17 93 88,000.00 1,000.00 624.07

94 87,000.00 1,000.00 616.98 95 86,000.00 1,000.00 609.89 96 85,000.00 1,000.00 602.80 97 84,000.00 1,000.00 595.71 98 83,000.00 1,000.00 588.61 99 82,000.00 1,000.00 581.52

100 81,000.00 1,000.00 574.43 101 80,000.00 1,000.00 567.34 102 79,000.00 1,000.00 560.25 103 78,000.00 1,000.00 553.16 104 77,000.00 1,000.00 546.06 105 76,000.00 1,000.00 538.97 106 75,000.00 1,000.00 531.88 107 74,000.00 1,000.00 524.79 108 73,000.00 1,000.00 517.70 109 72,000.00 1,000.00 510.61 110 71,000.00 1,000.00 503.51 111 70,000.00 1,000.00 496.42 112 69,000.00 1,000.00 489.33 113 68,000.00 1,000.00 482.24 114 67,000.00 1,000.00 475.15 115 66,000.00 1,000.00 468.06 116 65,000.00 1,000.00 460.96 117 64,000.00 1,000.00 453.87 118 63,000.00 1,000.00 446.78 119 62,000.00 1,000.00 439.69 120 61,000.00 1,000.00 432.60 121 60,000.00 1,000.00 425.50 122 59,000.00 1,000.00 418.41 123 58,000.00 1,000.00 411.32 124 57,000.00 1,000.00 404.23 125 56,000.00 1,000.00 397.14 126 55,000.00 1,000.00 390.05 127 54,000.00 1,000.00 382.95 128 53,000.00 1,000.00 375.86 129 52,000.00 1,000.00 368.77 130 51,000.00 1,000.00 361.68 131 50,000.00 1,000.00 354.59 132 49,000.00 1,000.00 347.50 133 48,000.00 1,000.00 340.40 134 47,000.00 1,000.00 333.31 135 46,000.00 1,000.00 326.22 136 45,000.00 1,000.00 319.13 137 44,000.00 1,000.00 312.04 138 43,000.00 1,000.00 304.95 139 42,000.00 1,000.00 297.85 140 41,000.00 1,000.00 290.76 141 40,000.00 1,000.00 283.67

142 39,000.00 1,000.00 276.58 143 38,000.00 1,000.00 269.49 144 37,000.00 1,000.00 262.39 145 36,000.00 1,000.00 255.30 146 35,000.00 1,000.00 248.21 147 34,000.00 1,000.00 241.12 148 33,000.00 1,000.00 234.03 149 32,000.00 1,000.00 226.94 150 31,000.00 1,000.00 219.84 151 30,000.00 1,000.00 212.75 152 29,000.00 1,000.00 205.66 153 28,000.00 1,000.00 198.57 154 27,000.00 1,000.00 191.48 155 26,000.00 1,000.00 184.39 156 25,000.00 1,000.00 177.29 157 24,000.00 1,000.00 170.20 158 23,000.00 1,000.00 163.11 159 22,000.00 1,000.00 156.02 160 21,000.00 1,000.00 148.93 161 20,000.00 1,000.00 141.83 162 19,000.00 1,000.00 134.74 163 18,000.00 1,000.00 127.65 164 17,000.00 1,000.00 120.56 165 16,000.00 1,000.00 113.47 166 15,000.00 1,000.00 106.38 167 14,000.00 1,000.00 99.28 168 13,000.00 1,000.00 92.19 169 12,000.00 1,000.00 85.10 170 11,000.00 1,000.00 78.01 171 10,000.00 1,000.00 70.92 172 9,000.00 1,000.00 63.83 173 8,000.00 1,000.00 56.73 174 7,000.00 1,000.00 49.64 175 6,000.00 1,000.00 42.55 176 5,000.00 1,000.00 35.46 177 4,000.00 1,000.00 28.37 178 3,000.00 1,000.00 21.28 179 2,000.00 1,000.00 14.18 180 1,000.00 1,000.00 7.09 181 - - - 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 - - - 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 - - - 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 - - - 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 - - - 359 - - - 360 - - - 361 - - - 362 - - - 363 - - - 364 - - - 365 - - - 366 - - - 367 - - - 368 - - - 369 - - - 370 - - - 371 - - - 372 - - - 373 - - - 374 - - - 375 - - - 376 - - - 377 - - - 378 - - - 379 - - - 380 - - - 381 - - -

382 - - - 383 - - - 384 - - - 385 - - - 386 - - - 387 - - - 388 - - - 389 - - - 390 - - - 391 - - - 392 - - - 393 - - - 394 - - - 395 - - - 396 - - - 397 - - - 398 - - - 399 - - - 400 - - - 401 - - - 402 - - - 403 - - - 404 - - - 405 - - - 406 - - - 407 - - - 408 - - - 409 - - - 410 - - - 411 - - - 412 - - - 413 - - - 414 - - - 415 - - - 416 - - - 417 - - - 418 - - - 419 - - - 420 - - - 421 - - - 422 - - - 423 - - - 424 - - - 425 - - - 426 - - - 427 - - - 428 - - - 429 - - -

430 - - - 431 - - - 432 - - - 433 - - - 434 - - - 435 - - - 436 - - - 437 - - - 438 - - - 439 - - - 440 - - - 441 - - - 442 - - - 443 - - - 444 - - - 445 - - - 446 - - - 447 - - - 448 - - - 449 - - - 450 - - - 451 - - - 452 - - - 453 - - - 454 - - - 455 - - - 456 - - - 457 - - - 458 - - - 459 - - - 460 - - - 461 - - - 462 - - - 463 - - - 464 - - - 465 - - - 466 - - - 467 - - - 468 - - - 469 - - - 470 - - - 471 - - - 472 - - - 473 - - - 474 - - - 475 - - - 476 - - - 477 - - -

478 - - - 479 - - - 480 - - -

180,000.00 115,524.53

Valores (R$) Mensalidade Conta CorrenteSeguro Tx. Adm Custo Relac Prestação Anuidade do Cartão de Crédito

- 25.00 28.33 2,329.85 54.79% Principal - 25.00 28.33 2,322.76 54.65% Valor Prestação Inicial - 25.00 28.33 2,315.66 54.51% Nº Prestações - 25.00 28.33 2,308.57 54.37% - 25.00 28.33 2,301.48 54.23% Taxa de Juros aa SAC - 25.00 28.33 2,294.39 54.09% - 25.00 28.33 2,287.30 53.95% - 25.00 28.33 2,280.21 53.81% - 25.00 28.33 2,273.11 53.66% - 25.00 28.33 2,266.02 53.52% - 25.00 28.33 2,258.93 53.37% - 25.00 28.33 2,251.84 53.22% - 25.00 28.33 2,244.75 53.08% - 25.00 28.33 2,237.65 52.93% - 25.00 28.33 2,230.56 52.78% - 25.00 28.33 2,223.47 52.63% - 25.00 28.33 2,216.38 52.48% - 25.00 28.33 2,209.29 52.32% - 25.00 28.33 2,202.20 52.17% - 25.00 28.33 2,195.10 52.01% - 25.00 28.33 2,188.01 51.86% - 25.00 28.33 2,180.92 51.70% - 25.00 28.33 2,173.83 51.54% - 25.00 28.33 2,166.74 51.39% - 25.00 28.33 2,159.65 51.23% - 25.00 28.33 2,152.55 51.07% - 25.00 28.33 2,145.46 50.90% - 25.00 28.33 2,138.37 50.74% - 25.00 28.33 2,131.28 50.58% - 25.00 28.33 2,124.19 50.41% - 25.00 28.33 2,117.10 50.25% - 25.00 28.33 2,110.00 50.08% - 25.00 28.33 2,102.91 49.91% - 25.00 28.33 2,095.82 49.74% - 25.00 28.33 2,088.73 49.57% - 25.00 28.33 2,081.64 49.40% - 25.00 28.33 2,074.54 49.23% - 25.00 28.33 2,067.45 49.05% - 25.00 28.33 2,060.36 48.88% - 25.00 28.33 2,053.27 48.70% - 25.00 28.33 2,046.18 48.52% - 25.00 28.33 2,039.09 48.34% - 25.00 28.33 2,031.99 48.16% - 25.00 28.33 2,024.90 47.98% - 25.00 28.33 2,017.81 47.80%


Esta é a verdadeira taxa de juros do financiamento se vc incluir os custos de mensalidade da conta e anuidade do cartão de crédito para ter o benefício de cliente relacionamento. Não preencha nada deste bloco.

H2


I2

Em geral R$ 25,00/mês.

K2

Lembre-se de que as prestações são corrigiads pelo IGP-M. Não considerei esta correção na planilha.

- 25.00 28.33 2,010.72 47.61% - 25.00 28.33 2,003.63 47.43% - 25.00 28.33 1,996.54 47.24% - 25.00 28.33 1,989.44 47.05% - 25.00 28.33 1,982.35 46.86% - 25.00 28.33 1,975.26 46.67% - 25.00 28.33 1,968.17 46.48% - 25.00 28.33 1,961.08 46.29% - 25.00 28.33 1,953.98 46.09% - 25.00 28.33 1,946.89 45.90% - 25.00 28.33 1,939.80 45.70% - 25.00 28.33 1,932.71 45.50% - 25.00 28.33 1,925.62 45.30% - 25.00 28.33 1,918.53 45.10% - 25.00 28.33 1,911.43 44.89% - 25.00 28.33 1,904.34 44.69% - 25.00 28.33 1,897.25 44.48% - 25.00 28.33 1,890.16 44.27% - 25.00 28.33 1,883.07 44.06% - 25.00 28.33 1,875.98 43.85% - 25.00 28.33 1,868.88 43.64% - 25.00 28.33 1,861.79 43.42% - 25.00 28.33 1,854.70 43.21% - 25.00 28.33 1,847.61 42.99% - 25.00 28.33 1,840.52 42.77% - 25.00 28.33 1,833.43 42.55% - 25.00 28.33 1,826.33 42.33% - 25.00 28.33 1,819.24 42.10% - 25.00 28.33 1,812.15 41.87% - 25.00 28.33 1,805.06 41.65% - 25.00 28.33 1,797.97 41.42% - 25.00 28.33 1,790.87 41.18% - 25.00 28.33 1,783.78 40.95% - 25.00 28.33 1,776.69 40.71% - 25.00 28.33 1,769.60 40.48% - 25.00 28.33 1,762.51 40.24% - 25.00 28.33 1,755.42 40.00% - 25.00 28.33 1,748.32 39.75% - 25.00 28.33 1,741.23 39.51% - 25.00 28.33 1,734.14 39.26% - 25.00 28.33 1,727.05 39.01% - 25.00 28.33 1,719.96 38.76% - 25.00 28.33 1,712.87 38.50% - 25.00 28.33 1,705.77 38.25% - 25.00 28.33 1,698.68 37.99% - 25.00 28.33 1,691.59 37.73% - 25.00 28.33 1,684.50 37.47% - 25.00 28.33 1,677.41 37.20%

- 25.00 28.33 1,670.32 36.94% - 25.00 28.33 1,663.22 36.67% - 25.00 28.33 1,656.13 36.40% - 25.00 28.33 1,649.04 36.12% - 25.00 28.33 1,641.95 35.85% - 25.00 28.33 1,634.86 35.57% - 25.00 28.33 1,627.76 35.29% - 25.00 28.33 1,620.67 35.01% - 25.00 28.33 1,613.58 34.72% - 25.00 28.33 1,606.49 34.43% - 25.00 28.33 1,599.40 34.14% - 25.00 28.33 1,592.31 33.85% - 25.00 28.33 1,585.21 33.55% - 25.00 28.33 1,578.12 33.25% - 25.00 28.33 1,571.03 32.95% - 25.00 28.33 1,563.94 32.65% - 25.00 28.33 1,556.85 32.34% - 25.00 28.33 1,549.76 32.03% - 25.00 28.33 1,542.66 31.72% - 25.00 28.33 1,535.57 31.40% - 25.00 28.33 1,528.48 31.09% - 25.00 28.33 1,521.39 30.76% - 25.00 28.33 1,514.30 30.44% - 25.00 28.33 1,507.21 30.11% - 25.00 28.33 1,500.11 29.78% - 25.00 28.33 1,493.02 29.45% - 25.00 28.33 1,485.93 29.11% - 25.00 28.33 1,478.84 28.77% - 25.00 28.33 1,471.75 28.43% - 25.00 28.33 1,464.65 28.08% - 25.00 28.33 1,457.56 27.73% - 25.00 28.33 1,450.47 27.38% - 25.00 28.33 1,443.38 27.02% - 25.00 28.33 1,436.29 26.66% - 25.00 28.33 1,429.20 26.30% - 25.00 28.33 1,422.10 25.93% - 25.00 28.33 1,415.01 25.56% - 25.00 28.33 1,407.92 25.19% - 25.00 28.33 1,400.83 24.81% - 25.00 28.33 1,393.74 24.42% - 25.00 28.33 1,386.65 24.04% - 25.00 28.33 1,379.55 23.65% - 25.00 28.33 1,372.46 23.25% - 25.00 28.33 1,365.37 22.85% - 25.00 28.33 1,358.28 22.45% - 25.00 28.33 1,351.19 22.04% - 25.00 28.33 1,344.09 21.63% - 25.00 28.33 1,337.00 21.22%

- 25.00 28.33 1,329.91 20.80% - 25.00 28.33 1,322.82 20.37% - 25.00 28.33 1,315.73 19.94% - 25.00 28.33 1,308.64 19.51% - 25.00 28.33 1,301.54 19.07% - 25.00 28.33 1,294.45 18.63% - 25.00 28.33 1,287.36 18.18% - 25.00 28.33 1,280.27 17.73% - 25.00 28.33 1,273.18 17.27% - 25.00 28.33 1,266.09 16.80% - 25.00 28.33 1,258.99 16.34% - 25.00 28.33 1,251.90 15.86% - 25.00 28.33 1,244.81 15.38% - 25.00 28.33 1,237.72 14.90% - 25.00 28.33 1,230.63 14.41% - 25.00 28.33 1,223.54 13.91% - 25.00 28.33 1,216.44 13.41% - 25.00 28.33 1,209.35 12.90% - 25.00 28.33 1,202.26 12.39% - 25.00 28.33 1,195.17 11.87% - 25.00 28.33 1,188.08 11.34% - 25.00 28.33 1,180.98 10.81% - 25.00 28.33 1,173.89 10.27% - 25.00 28.33 1,166.80 9.72% - 25.00 28.33 1,159.71 9.17% - 25.00 28.33 1,152.62 8.61% - 25.00 28.33 1,145.53 8.05% - 25.00 28.33 1,138.43 7.48% - 25.00 28.33 1,131.34 6.90% - 25.00 28.33 1,124.25 6.31% - 25.00 28.33 1,117.16 5.71% - 25.00 28.33 1,110.07 5.11% - 25.00 28.33 1,102.98 4.50% - 25.00 28.33 1,095.88 3.88% - 25.00 28.33 1,088.79 3.26% - 25.00 28.33 1,081.70 2.62% - 25.00 28.33 1,074.61 1.98% - 25.00 28.33 1,067.52 1.33% - 25.00 28.33 1,060.43 0.67% - - - - 0.00% - - - - 0.00% - - - - 0.00% - - - - 0.00% - - - - 0.00% - - - - 0.00% - - - - 0.00% - - - - 0.00% - - - - 0.00%

- - - - 0.00% - - - - 0.00% - - - - 0.00% - - - - 0.00% - - - - 0.00% - - - - 0.00% - - - - 0.00% - - - - 0.00% - - - - 0.00% - - - - 0.00% - - - - 0.00% - - - - 0.00% - - - - 0.00% - - - - 0.00% - - - - 0.00% - - - - 0.00% - - - - 0.00% - - - - 0.00% - - - - 0.00% - - - - 0.00% - - - - 0.00% - - - - 0.00% - - - - 0.00% - - - - 0.00% - - - - 0.00% - - - - 0.00% - - - - 0.00% - - - - 0.00% - - - - 0.00% - - - - 0.00% - - - - 0.00% - - - - 0.00% - - - - 0.00% - - - - 0.00% - - - - 0.00% - - - - 0.00% - - - - 0.00% - - - - 0.00% - - - - 0.00% - - - - 0.00% - - - - 0.00% - - - - 0.00% - - - - 0.00% - - - - 0.00% - - - - 0.00% - - - - 0.00% - - - - 0.00% - - - - 0.00%

- - - - 0.00% - - - - 0.00% - - - - 0.00%

- 4,500.00 305,124.53

20.00 100.00

180,000.00 2,329.85

180

9.2349%


O8


TR HistóricaJAN FEV MAR ABR MAI JUN JUL AGO SET

1991 - 7.0000 8.5000 8.9300 8.9900 9.4000 10.0500 11.9500 16.7800 1992 25.4800 25.6100 24.2700 21.0800 19.8100 21.0500 23.6900 23.2200 25.3800 1993 26.7600 26.4000 25.8100 28.2200 28.6800 30.0800 30.3700 33.3400 34.6200 1994 41.4400 39.8600 41.8500 45.9700 46.4400 46.8800 5.0300 2.1300 2.4400 1995 2.1000 1.8500 2.3000 3.4700 3.2500 2.8900 2.9900 2.6000 1.9400 1996 1.2500 0.9600 0.8100 0.6500 0.5800 0.6099 0.5851 0.6275 0.6620 1997 0.7440 0.6616 0.6316 0.6211 0.6354 0.6535 0.6580 0.6270 0.6474 1998 1.1459 0.4461 0.8995 0.4720 0.4543 0.4913 0.5503 0.3749 0.4512 1999 0.5163 0.8298 1.1614 0.6092 0.5761 0.3108 0.2933 0.2945 0.2715 2000 0.2149 0.2328 0.2242 0.1301 0.2492 0.2140 0.1547 0.2025 0.1038 2001 0.1369 0.0368 0.1724 0.1546 0.1827 0.1458 0.2441 0.3436 0.1627 2002 0.2591 0.1171 0.1758 0.2357 0.2102 0.1582 0.2656 0.2481 0.1955 2003 0.4878 0.4116 0.3782 0.4184 0.4650 0.4166 0.5465 0.4038 0.3364 2004 0.1280 0.0458 0.1778 0.0874 0.1546 0.1761 0.1952 0.2005 0.1728 2005 0.1880 0.0962 0.2635 0.2003 0.2527 0.2993 0.2575 0.3466 0.2637 2006 0.2326 0.0725 0.2073 0.0855 0.1888 0.1937 0.1751 0.2436 0.1521 2007 0.2189 0.0721 0.1876 0.1272 0.1689 0.0954 0.1469 0.1466 0.0352 2008 0.1010 0.0243 0.0409 0.0955 0.0736 0.1146 0.1914 0.1574 0.1970 2009 0.1840 0.0451 0.1438 0.0454 0.0449 0.0656 0.1051 0.0197 - 2010 - - 0.0792 - 0.0510 0.0589 0.1151 0.0909 0.0702 2011 0.0715 0.0524 0.1212 0.0369 0.1570 0.1114 0.1229 0.2076 0.1003 2012 0.0864 - 0.1068 0.0227 0.0468 - 0.0144 0.0123 - 2013 - - - - - 0.0209 0.0000 0.0079 0.09202014 0.1126 0.0537 0.0266 0.0459 0.0604 0.0465 0.1054 0.0602 0.08732015201620172018

IGP-M HistóricoJAN FEV MAR ABR MAI JUN JUL AGO SET

1989 - - - - - 19.68 35.91 36.91 39.921990 61.46 81.29 83.95 28.35 5.93 9.94 12.01 13.62 12.81991 17.7 21.02 9.19 7.81 7.48 8.48 13.22 15.25 14.931992 23.56 27.86 21.39 19.94 20.43 23.61 21.84 24.63 25.271993 25.83 28.42 26.25 28.83 29.7 31.49 31.25 31.79 35.281994 39.07 40.78 45.71 40.91 42.58 45.21 4.33 3.94 1.751995 0.92 1.39 1.12 2.1 0.58 2.46 1.82 2.2 -0.711996 1.73 0.97 0.4 0.32 1.55 1.02 1.35 0.28 0.11997 1.77 0.43 1.15 0.68 0.21 0.74 0.09 0.09 0.481998 0.96 0.18 0.19 0.13 0.14 0.38 -0.17 -0.16 -0.081999 0.84 3.61 2.83 0.71 -0.29 0.36 1.55 1.56 1.452000 1.24 0.35 0.15 0.23 0.31 0.85 1.57 2.39 1.162001 0.62 0.23 0.56 1 0.86 0.98 1.38 0.312002 0.36 0.09 0.56 0.83 1.54 1.95 2.32 2.42003 2.33 2.28 1.53 0.92 -0.26 -1 -0.42 0.38 1.18

1,48 0,06

2004 0.88 0.69 1.13 1.21 1.31 1.38 1.31 1.22 0.692005 0.39 0.3 0.85 0.86 -0.44 -0.34 -0.65 -0.532006 0.92 0.01 -0.23 -0.42 0.38 0.75 0.18 0.37 0.292007 0.5 0.27 0.34 0.04 0.04 0.26 0.28 0.98 1.292008 1.09 0.53 0.74 0.69 1.61 1.98 1.76 -0.32 0.112009 -0.44 0.26 -0.74 -0.07 -0.1 -0.43 -0.36 0.422010 0.63 1.18 0.94 0.77 1.19 0.85 0.15 0.77 1.152011 0.79 1 0.62 0.45 0.43 -0.18 -0.12 0.44 0.652012 0.25 -0.06 0.43 0.85 1.02 0.66 1.34 1.43 0.972013 0.34 0.29 0.21 0.15 0 0.75 0.26 0.15 1.52014 0.48 0.38 1.67 0.78 -0.13 -0.74 -0.61 -0.27 0.22015201620172018

IPCA HistóricoJAN FEV MAR ABR MAI JUN JUL AGO SET

1980 6.62 4.62 6.04 5.29 5.70 5.31 5.55 4.95 4.23 1981 6.84 6.40 4.97 6.46 5.56 5.52 6.26 5.50 5.26 1982 6.97 6.64 5.71 5.89 6.66 7.10 6.36 5.97 5.08 1983 8.64 7.86 7.34 6.58 6.48 9.88 10.08 9.11 10.30 1984 9.67 9.50 8.94 9.54 9.05 10.08 9.72 9.35 11.75 1985 11.76 10.87 10.16 8.20 7.20 8.49 10.31 12.05 11.12 1986 14.37 12.72 4.77 0.78 1.40 1.27 1.71 3.55 1.72 1987 13.21 12.64 16.37 19.10 21.45 19.71 9.21 4.87 7.78 1988 18.89 15.70 17.60 19.29 17.42 22.00 21.91 21.59 27.45 1989 16.78 28.65 27.74 33.71 37.56 1990 67.55 75.73 82.39 15.52 7.59 11.75 12.92 12.88 14.41 1991 20.75 20.72 11.92 4.99 7.43 11.19 12.41 15.63 15.63 1992 25.94 24.32 21.40 19.93 24.86 20.21 21.83 22.14 24.63 1993 30.35 24.98 27.26 27.75 27.69 30.07 30.72 32.96 35.69 1994 41.31 40.27 42.75 42.68 44.03 47.43 6.84 1.86 1.53 1995 1.70 1.02 1.55 2.43 2.67 2.26 2.36 0.99 0.99 1996 1.34 1.03 0.35 1.26 1.22 1.19 1.11 0.44 0.15 1997 1.18 0.50 0.51 0.88 0.41 0.54 0.22 - 0.02 0.06 1998 0.71 0.46 0.34 0.24 0.50 0.02 - 0.12 - 0.51 - 0.22 1999 0.70 1.05 1.10 0.56 0.30 0.19 1.09 0.56 0.31 2000 0.62 0.13 0.22 0.42 0.01 0.23 1.61 1.31 0.23 2001 0.57 0.46 0.38 0.58 0.52 1.33 0.70 0.28 2002 0.52 0.36 0.60 0.80 0.21 0.42 1.19 0.65 0.72 2003 2.25 1.57 1.23 0.97 - 0.15 0.20 0.34 0.78 2004 0.76 0.61 0.47 0.37 0.51 0.71 0.91 0.69 0.33 2005 0.58 0.59 0.61 0.87 0.49 - 0.02 0.25 0.17 0.35 2006 0.59 0.41 0.43 0.21 0.10 - 0.21 0.19 0.05 0.21 2007 0.44 0.44 0.37 0.25 0.28 0.28 0.24 0.47 0.18 2008 0.54 0.49 0.48 0.55 0.79 0.74 0.53 0.28 0.26 2009 0.48 0.55 0.20 0.48 0.47 0.36 0.24 0.15 0.24

- 0,22

-0,15

37,49 6,82 8,33 17,92

0,41

0,61

2010 0.75 0.78 0.52 0.57 0.43 - 0.01 0.04 0.45 2011 0.83 0.80 0.79 0.77 0.47 0.15 0.16 0.37 0.53 2012 0.56 0.45 0.21 0.64 0.36 0.08 0.43 0.41 0.57 2013 0.86 0.60 0.47 0.55 0.37 0.26 0.03 0.24 0.35 2014 0.55 0.69 0.92 0.67 0.46 0.4 0.01 0.25 0.572015201620172018

INCC-M HistóricoJAN FEV MAR ABR MAI JUN JUL AGO SET

1989 - - - - - 23.59 30.79 45.87 38.04 1990 51.70 70.20 72.48 38.20 1.10 4.43 11.21 13.94 12.39 1991 15.67 17.54 12.34 8.51 7.25 13.36 11.74 14.15 13.53 1992 18.25 28.24 23.47 26.74 17.74 27.55 18.78 23.19 19.51 1993 19.13 34.43 23.72 32.46 27.53 36.11 27.70 33.37 31.19 1994 33.62 40.68 43.41 50.70 45.18 45.51 42.85 3.95 0.31 1995 1.37 3.54 2.41 2.74 2.43 9.38 2.71 0.93 4.68 1996 0.67 1.35 0.19 0.89 0.55 2.01 1.52 0.74 0.15 1997 0.68 0.31 0.42 0.73 0.30 0.99 0.94 0.55 1.18 1998 0.29 0.48 0.31 - 0.46 0.47 0.86 0.42 0.29 0.09 1999 0.21 0.62 0.91 0.58 0.38 0.88 0.41 0.52 0.83 2000 1.15 0.89 0.82 0.69 0.57 1.09 0.83 0.35 0.30 2001 0.40 0.55 0.34 0.28 2.00 0.69 1.07 0.56 0.59 2002 0.40 0.31 0.84 0.32 2.47 0.21 0.63 0.82 0.68 2003 1.45 1.60 1.38 0.81 2.98 0.74 0.59 2.20 0.24 2004 0.28 0.48 1.59 0.60 1.74 0.56 1.12 0.90 0.67 2005 0.70 0.42 0.71 0.38 0.54 2.20 0.65 0.05 0.06 2006 0.24 0.28 0.23 0.21 0.81 1.45 0.57 0.35 0.09 2007 0.45 0.26 0.17 0.43 0.55 1.67 0.21 0.35 0.39 2008 0.41 0.43 0.59 0.82 1.10 2.67 1.42 1.27 0.95 2009 0.26 0.35 - 0.17 - 0.01 0.25 1.53 0.37 0.01 0.07 2010 0.52 0.35 0.45 1.17 0.93 1.77 0.62 0.22 0.20 2011 0.37 0.39 0.44 0.75 2.03 1.43 0.59 0.16 0.14 2012 0.67 0.42 0.37 0.83 1.30 1.31 0.85 0.32 0.21 2013 0.39 0.80 0.28 0.84 1.24 1.96 0.73 0.31 0.43 2014 0.7 0.44 0.22 0.67 1.37 1.25 0.8 0.19 0.162015201620172018

INCC-DI HistóricoJAN FEV MAR ABR MAI JUN JUL AGO SET

64.68 70.25 78.41 1.67 0.99 7.42 16.67 13.11 10.8717.03 15.5 8.33 6.77 13.19 10.18 13.61 14.63 21.1129.87 23.62 27.77 17.42 28.22 18.03 23.53 17.28 34.3

1990 1991 1992

36.9 22.6 32.61 21.28 40.6 27.13 33.73 28.42 40.0945.93 39.14 55.71 45.6 45.6 44.74 10.3 0.14 0.38

3.5 2.09 3.3 2.3 8.77 3.12 1.09 0.62 0.721.52 0.11 0.98 0.25 2.16 1.54 0.75 0.23 0.220.32 0.48 0.73 0.23 0.86 1.11 0.51 1.18 0.270.33 0.48 0.47 -0.5 0.98 0.39 0.34 0.22 0.010.55 0.98 0.55 0.52 0.86 0.41 0.46 0.69 0.861.07 0.77 0.56 0.6 1.35 0.73 0.3 0.39 0.260.58 0.34 0.27 0.36 2.11 1.16 0.52 0.62 0.55

2002 0.36 0.58 0.55 0.33 2.53 0.57 0.29 1 0.712003 1.51 1.39 1.38 0.9 2.84 1.05 0.99 1.44 0.222004 0.33 1 1.16 0.59 1.83 0.7 1.12 0.81 0.582005 0.75 0.44 0.67 0.72 2.09 0.76 0.11 0.02 0.242006 0.34 0.19 0.2 0.36 1.32 0.9 0.47 0.24 0.112007 0.45 0.21 0.27 0.46 1.15 0.92 0.31 0.26 0.512008 0.38 0.4 0.66 0.87 2.02 1.92 1.46 1.18 0.952009 0.33 0.27 -0.25 -0.04 1.39 0.7 0.26 -0.05 0.152010 0.64 0.36 0.75 0.84 1.81 1.09 0.44 0.14 0.212011 0.41 0.28 0.43 1.06 2.94 0.37 0.45 0.13 0.142012 0.89 0.3 0.51 0.75 1.88 0.73 0.67 0.26 0.222013 0.65 0.6 0.5 0.74 2.25 1.15 0.48 0.31 0.432014 0.88 0.33 0.28 0.88 2.05 0.66 0.75 0.08 0.152015201620172018

SELIC HistóricaJAN FEV MAR ABR MAI JUN JUL AGO SET

1995 0.00% 3.63% 2.60% 4.26% 4.25% 4.04% 4.02% 3.84% 3.32%1996 2.58% 2.35% 2.22% 2.07% 2.01% 1.98% 1.93% 1.97% 1.90%1997 1.73% 1.67% 1.64% 1.66% 1.58% 1.61% 1.60% 1.59% 1.59%1998 2.67% 2.13% 2.20% 1.71% 1.63% 1.60% 1.70% 1.48% 2.49%1999 2.18% 2.38% 3.33% 2.35% 2.02% 1.67% 1.66% 1.57% 1.49%2000 1.46% 1.45% 1.45% 1.30% 1.49% 1.39% 1.31% 1.41% 1.22%2001 1.27% 1.02% 1.26% 1.19% 1.34% 1.27% 1.50% 1.60% 1.32%2002 1.53% 1.25% 1.37% 1.38%2003 1.97% 1.83% 1.86% 2.08%2004 1.27% 1.08% 1.38% 1.18% 1.23% 1.23% 1.29% 1.29%2005 1.38% 1.22% 1.53% 1.41% 1.50% 1.59% 1.51% 1.66% 1.50%2006 1.43% 1.15% 1.42% 1.08% 1.28% 1.18% 1.17% 1.26% 1.06%2007 1.08% 0.87% 1.05% 0.94% 1.03% 0.91% 0.97% 0.99% 0.80%2008 0.93% 0.80% 0.84% 0.90% 0.88% 0.96% 1.07% 1.02% 1.10%2009 1.05% 0.86% 0.97% 0.84% 0.77% 0.76% 0.79% 0.69% 0.69%2010 0.66% 0.59% 0.76% 0.67% 0.75% 0.79% 0.86% 0.89% 0.85%2011 0.86% 0.84% 0.92% 0.84% 0.99% 0.96% 0.97% 1.07% 0.94%2012 0.89% 0.75% 0.82% 0.71% 0.74% 0.64% 0.68% 0.69% 0.54%2013 0.60% 0.49% 0.55% 0.61% 0.60% 0.61% 0.72% 0.71% 0.71%

1993 1994 1995 1996 1997 1998 1999 2000 2001

1,48% 1,41% 1,33% 1,54% 1,44% 1,78% 1,87% 1,97% 1,77% 1,68%

1,25%

2014 0.85% 0.79% 0.77% 0.82% 0.87% 0.82% 0.95% 0.87% 0.91%2015201620172018

INPC HistóricoJAN FEV MAR ABR MAI JUN JUL AGO SET

1990 68.19 73.99 82.18 14.67 7.31 11.64 12.62 12.18 14.261991 20.95 20.2 11.79 5.01 6.68 10.83 12.14 15.62 15.621992 25.92 24.48 21.62 20.84 24.5 20.85 22.08 22.38 23.981993 28.77 24.79 27.58 28.37 26.78 30.37 31.01 33.34 35.631994 41.32 40.57 43.08 42.86 42.73 48.24 7.75 1.85 1.41995 1.44 1.01 1.62 2.49 2.1 2.18 2.46 1.02 1.171996 1.46 0.71 0.29 0.93 1.28 1.33 1.2 0.5 0.021997 0.81 0.45 0.68 0.6 0.11 0.35 0.18 -0.03 0.11998 0.85 0.54 0.49 0.45 0.72 0.15 -0.28 -0.49 -0.311999 0.65 1.29 1.28 0.47 0.05 0.07 0.74 0.55 0.392000 0.61 0.05 0.13 0.09 -0.05 0.3 1.39 1.21 0.432001 0.77 0.49 0.48 0.84 0.57 0.6 1.11 0.79 0.442002 1.07 0.31 0.62 0.68 0.09 0.61 1.15 0.86 0.832003 2.47 1.46 1.37 1.38 0.99 -0.06 0.04 0.18 0.822004 0.83 0.39 0.57 0.41 0.4 0.5 0.73 0.5 0.172005 0.57 0.44 0.73 0.91 0.7 -0.11 0.03 0 0.152006 0.38 0.23 0.27 0.12 0.13 -0.07 0.11 -0.02 0.162007 0.49 0.42 0.44 0.26 0.26 0.31 0.32 0.59 0.252008 0.69 0.48 0.51 0.64 0.96 0.91 0.58 0.21 0.152009 0.64 0.31 0.2 0.55 0.6 0.42 0.23 0.08 0.162010 0.88 0.7 0.71 0.73 0.43 -0.11 -0.07 -0.07 0.542011 0.94 0.54 0.66 0.72 0.57 0.22 0 0.42 0.452012 0.51 0.39 0.18 0.64 0.55 0.26 0.43 0.45 0.632013 0.92 0.52 0.6 0.59 0.35 0.28 -0.13 0.16 0.272014 0.63 0.64 0.82 0.78 0.6 0.26 0.13 0.18 0.492015201620172018

TR HistóricaOUT NOV DEZ ACUMULADO

19.7700 30.5200 28.4200 335.5100 25.0700 23.2900 23.9500 1,156.2200 36.5300 36.1600 36.8000 2,474.7300 2.5600 2.9200 2.8700 951.1900 1.6500 1.4400 1.3400 31.6207 0.7419 0.8146 0.8717 9.5551 0.6553 1.5334 1.3085 9.7849 0.8892 0.6136 0.7434 7.7938 0.2265 0.1998 0.2998 5.7295 0.1316 0.1197 0.0991 2.0962 0.2913 0.1928 0.1983 2.2852 0.2768 0.2644 0.3609 2.8023 0.3213 0.1776 0.1899 4.6485 0.1108 0.1146 0.2400 1.8184 0.2100 0.1929 0.2269 2.8335 0.1875 0.1282 0.1522 2.0377 0.1142 0.0590 0.0640 1.4452 0.2506 0.1618 0.2149 1.6348 - - 0.0533 0.7090 0.0472 0.0336 0.1406 0.6887 0.0620 0.0645 0.0937 1.2079 - - - 0.2897 0.0920 0.0207 0.0494 0.1910

0.1038 0.0483 0.7531

IGP-M HistóricoOUT NOV DEZ ACUMULADO

40.64 40.48 47.13 805.76%12.97 16.86 18 1699.87%22.63 25.62 23.63 458.38%26.76 23.43 25.08 1174.67%35.04 36.15 38.32 2567.34%

1.82 2.85 0.84 869.74%0.52 1.2 0.71 15.23%0.19 0.2 0.73 9.18%0.37 0.64 0.84 7.73%0.08 -0.32 0.45 1.78%

1.7 2.39 1.81 20.10%0.38 0.29 0.63 9.95%1.18 1.1 0.22 10.37%3.87 5.19 3.75 25.30%0.38 0.49 0.61 8.69%

0.39 0.82 0.74 12.42%0.6 0.4 -0.01 1.20%

0.47 0.75 0.32 3.84%1.05 0.69 1.76 7.74%

0.98 0.38 -0.13 9.80%0.05 0.1 -0.26 -1.71%1.01 1.45 11.32%0.53 0.5 -0.12 5.09%0.02 -0.03 0.68 7.81%0.86 0.29 0.6 5.52%0.28 2.03%

IPCA HistóricoOUT NOV DEZ ACUMULADO

9.48 6.67 6.61 99.27% 5.08 5.27 5.93 95.65% 4.44 5.29 7.81 104.80% 8.87 7.38 8.68 163.99% 10.44 10.53 11.98 215.27% 10.62 13.97 15.07 242.24% 1.90 5.45 11.65 79.65% 11.22 15.08 14.15 363.41% 25.62 27.94 28.70 980.22% 39.77 47.82 51.50 14.36 16.81 18.44 1620.96% 20.23 25.21 23.71 472.69% 25.24 22.49 25.24 1119.09% 33.92 35.56 36.84 2477.15% 2.62 2.81 1.71 916.43% 1.41 1.47 1.56 22.41% 0.30 0.32 0.47 9.56% 0.23 0.17 0.43 5.22% 0.02 - 0.12 0.33 1.66% 1.19 0.95 0.60 8.94% 0.14 0.32 0.59 5.97% 0.83 0.71 0.65 7.67% 1.31 3.02 2.10 12.53% 0.29 0.34 0.52 9.30% 0.44 0.69 0.86 7.60% 0.75 0.55 0.36 5.69% 0.33 0.31 0.48 3.14% 0.30 0.38 0.74 4.45% 0.45 0.36 0.28 5.90% 0.28 0.41 0.37 4.31%

0,69

1.972,91%

0.75 0.83 0.63 5.90% 0.43 0.52 0.50 6.50% 0.59 0.60 0.79 5.83% 0.57 0.54 0.92 5.91%

0.42 5.04%

INCC-M HistóricoOUT NOV DEZ ACUMULADO

38.59 42.35 44.84 830.05% 11.52 12.14 14.15 1221.00% 23.07 21.10 29.72 464.11% 31.33 21.01 27.75 1165.24% 36.63 36.07 38.16 2514.47% 0.88 1.42 2.44 1239.81% 0.72 0.76 1.07 37.71% 0.23 0.28 0.48 9.42% 0.22 0.22 0.52 7.28% 0.05 - 0.07 - 0.01 2.74% 0.79 1.22 0.81 8.46% 0.28 0.29 0.49 8.02% 0.92 0.60 0.70 9.03% 0.82 2.19 2.13 12.44% 0.47 0.42 0.99 14.76% 0.95 0.94 0.61 10.94% 0.28 0.29 0.38 6.84% 0.18 0.23 0.30 5.04% 0.49 0.48 0.43 6.03% 0.85 0.65 0.22 11.96% 0.13 0.18 0.20 3.20% 0.15 0.36 7.56% 0.20 0.50 0.35 7.58% 0.24 0.23 0.29 7.26%

- - - 7.18%0.2 6.15%

INCC-DI HistóricoOUT NOV DEZ

11.48 13.05 17.51 1095.37%23.01 29.47 19.71 486.33%18.91 29.16 18.84 1194.51%

0,59

ACUMULADO

34.03 38.4 32.99 2763.69%1.32 2.36 1.32 1029.93%0.86 0.73 0.86 31.45%0.26 0.58 0.59 9.56%0.15 0.54 0.23 6.81%0.01 -0.05 0.05 2.75%1.01 0.91 1.04 9.21%0.33 0.41 0.64 7.66%0.93 0.74 8.85%1.13 2.45 1.7 12.87%0.65 1.04 0.16 14.41%1.19 0.71 0.51 11.04%0.19 0.28 0.37 6.84%0.21 0.23 0.36 5.03%0.51 0.36 0.59 6.16%0.77 0.5 0.17 11.86%0.06 0.29 0.1 3.24%0.2 0.37 0.67 7.77%

0.23 0.72 0.11 7.48%0.21 0.33 0.16 7.11%0.33 0.27 0.22 8.06%0.17 6.39%

SELIC HistóricaOUT NOV DEZ

3.09% 2.88% 2.78%1.86% 1.80% 1.80%1.67% 3.04% 2.97%2.94% 2.63% 2.40%1.38% 1.39% 1.60%1.29% 1.22% 1.20%1.53% 1.39% 1.39%

1.41% 1.38% 1.47%1.09% 1.02% 0.99%0.93% 0.84% 0.84%1.18% 1.02% 1.12%0.69% 0.66% 0.73%0.81% 0.81% 0.93%0.88% 0.86% 0.91%0.61% 0.55% 0.55%0.81% 0.72% 0.79%

0,34

1,65% 1,54% 1,74% 1,64% 1,34% 1,37% 1,21% 1,25% 1,48%

0.95%

INPC HistóricoOUT NOV DEZ

14.43 16.92 19.14 1585.18%21.08 26.48 24.15 475.11%26.07 22.89 25.58 1149.05%34.12 36 37.73 2489.11%2.82 2.96 1.7 929.32%1.4 1.51 1.65 21.98%

0.38 0.34 0.33 9.12%0.29 0.15 0.57 4.34%0.11 -0.18 0.42 2.49%0.96 0.94 0.74 8.43%0.16 0.29 0.55 5.27%0.94 1.29 0.74 9.44%1.57 3.39 2.7 14.74%0.39 0.37 0.54 10.38%0.17 0.44 0.86 6.13%0.58 0.54 0.4 5.05%0.43 0.42 0.62 2.81%0.3 0.43 0.97 5.15%0.5 0.38 0.29 6.48%

0.24 0.37 0.24 4.11%0.92 1.03 0.6 6.46%0.32 0.57 0.51 6.07%0.71 0.54 0.74 6.19%0.61 0.54 0.72 5.56%0.38 - - 5.01%

ACUMULADO

Simula Financiamento TR NOVO

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