VALORES SIMULAO

Valor da parcela
IOF critrio Price
IOF critrio VP

VALORES REAIS

Valor Financiado
Taxas
N. parcelas
taxa de juros
Valor da parcela
IOF TOTAL
CET

R$ 15,000.00
R$ 980.00
60
2.28320%
R$ 500.00
R$ 267.57
2.63000%

Data

DC

Dias acum.

Juros per.

0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19

6/14/2012
7/14/2012
8/14/2012
9/14/2012
10/14/2012
11/14/2012
12/14/2012
1/14/2013
2/14/2013
3/14/2013
4/14/2013
5/14/2013
6/14/2013
7/14/2013
8/14/2013
9/14/2013
10/14/2013
11/14/2013
12/14/2013
1/14/2014

30
31
31
30
31
30
31
31
28
31
30
31
30
31
31
30
31
30
31

30
61
92
122
153
183
214
245
273
304
334
365
395
426
457
487
518
548
579

0.02283
0.02360
0.02360
0.02283
0.02360
0.02283
0.02360
0.02360
0.02129
0.02360
0.02283
0.02360
0.02283
0.02360
0.02360
0.02283
0.02360
0.02283
0.02360

20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49

2/14/2014
3/14/2014
4/14/2014
5/14/2014
6/14/2014
7/14/2014
8/14/2014
9/14/2014
10/14/2014
11/14/2014
12/14/2014
1/14/2015
2/14/2015
3/14/2015
4/14/2015
5/14/2015
6/14/2015
7/14/2015
8/14/2015
9/14/2015
10/14/2015
11/14/2015
12/14/2015
1/14/2016
2/14/2016
3/14/2016
4/14/2016
5/14/2016
6/14/2016
7/14/2016

31
28
31
30
31
30
31
31
30
31
30
31
31
28
31
30
31
30
31
31
30
31
30
31
31
29
31
30
31
30

610
638
669
699
730
760
791
822
852
883
913
944
975
1003
1034
1064
1095
1125
1156
1187
1217
1248
1278
1309
1340
1369
1400
1430
1461
1491

0.02360
0.02129
0.02360
0.02283
0.02360
0.02283
0.02360
0.02360
0.02283
0.02360
0.02283
0.02360
0.02360
0.02129
0.02360
0.02283
0.02360
0.02283
0.02360
0.02360
0.02283
0.02360
0.02283
0.02360
0.02360
0.02206
0.02360
0.02283
0.02360
0.02283

50
51
52
53
54
55
56
57
58
59
60

8/14/2016
9/14/2016
10/14/2016
11/14/2016
12/14/2016
1/14/2017
2/14/2017
3/14/2017
4/14/2017
5/14/2017
6/14/2017

31
31
30
31
30
31
31
28
31
30
31

1522
1553
1583
1614
1644
1675
1706
1734
1765
1795
1826

0.02360
0.02360
0.02283
0.02360
0.02283
0.02360
0.02360
0.02129
0.02360
0.02283
0.02360

RES SIMULAO
R$ 495.63
R$ 288.76
R$ 267.56

Critrio VALOR PRESENTE

VP
488.83883
477.92681
467.25836
456.82807
446.63060
436.66076
426.91347
417.38376
408.06678
398.95778
390.05211
381.34523
372.83272
364.51022
356.37350
348.41841
340.64090
333.03700
325.60283

IOF VP
R$ 2.46
R$ 3.01
R$ 3.54
R$ 4.02
R$ 4.50
R$ 4.94
R$ 5.37
R$ 5.78
R$ 6.12
R$ 6.49
R$ 6.82
R$ 7.16
R$ 7.00
R$ 6.84
R$ 6.69
R$ 6.54
R$ 6.39
R$ 6.25
R$ 6.11

Critrio PRICE

Amort

Saldo

IOF Price

R$ 130.78
R$ 121.56
R$ 124.43
R$ 139.38
R$ 130.65
R$ 145.54
R$ 137.17
R$ 140.41
R$ 178.14
R$ 147.93
R$ 162.65
R$ 155.26
R$ 169.91
R$ 162.93
R$ 166.78
R$ 181.32
R$ 174.99
R$ 189.45
R$ 183.60

R$ 15,980.00
R$ 15,849.22
R$ 15,727.67
R$ 15,603.24
R$ 15,463.86
R$ 15,333.21
R$ 15,187.66
R$ 15,050.49
R$ 14,910.08
R$ 14,731.94
R$ 14,584.01
R$ 14,421.36
R$ 14,266.10
R$ 14,096.19
R$ 13,933.26
R$ 13,766.48
R$ 13,585.17
R$ 13,410.17
R$ 13,220.72
R$ 13,037.12

R$ 0.66
R$ 0.77
R$ 0.94
R$ 1.23
R$ 1.32
R$ 1.65
R$ 1.72
R$ 1.94
R$ 2.67
R$ 2.41
R$ 2.85
R$ 2.91
R$ 3.19
R$ 3.06
R$ 3.13
R$ 3.40
R$ 3.28
R$ 3.56
R$ 3.45

318.33462
311.22865
304.28129
297.48903
290.84838
284.35596
278.00847
271.80267
265.73540
259.80357
254.00414
248.33418
242.79078
237.37112
232.07244
226.89204
221.82728
216.87558
212.03441
207.30131
202.67386
198.14970
193.72654
189.40211
185.17421
181.04069
176.99944
173.04840
169.18555
165.40894

R$ 5.97
R$ 5.84
R$ 5.71
R$ 5.58
R$ 5.46
R$ 5.34
R$ 5.22
R$ 5.10
R$ 4.99
R$ 4.88
R$ 4.77
R$ 4.66
R$ 4.56
R$ 4.45
R$ 4.35
R$ 4.26
R$ 4.16
R$ 4.07
R$ 3.98
R$ 3.89
R$ 3.80
R$ 3.72
R$ 3.64
R$ 3.55
R$ 3.47
R$ 3.40
R$ 3.32
R$ 3.25
R$ 3.17
R$ 3.10

R$ 187.93
R$ 222.02
R$ 197.61
R$ 211.84
R$ 207.27
R$ 221.41
R$ 217.39
R$ 222.52
R$ 236.51
R$ 233.35
R$ 247.24
R$ 244.69
R$ 250.47
R$ 279.78
R$ 262.98
R$ 276.58
R$ 275.72
R$ 289.19
R$ 289.05
R$ 295.87
R$ 309.15
R$ 310.15
R$ 323.29
R$ 325.10
R$ 332.78
R$ 350.74
R$ 348.91
R$ 361.66
R$ 365.68
R$ 378.27

R$ 12,849.19
R$ 12,627.17
R$ 12,429.56
R$ 12,217.72
R$ 12,010.46
R$ 11,789.05
R$ 11,571.66
R$ 11,349.14
R$ 11,112.63
R$ 10,879.28
R$ 10,632.05
R$ 10,387.35
R$ 10,136.88
R$ 9,857.10
R$ 9,594.12
R$ 9,317.54
R$ 9,041.82
R$ 8,752.63
R$ 8,463.58
R$ 8,167.71
R$ 7,858.56
R$ 7,548.41
R$ 7,225.12
R$ 6,900.02
R$ 6,567.24
R$ 6,216.50
R$ 5,867.59
R$ 5,505.92
R$ 5,140.24
R$ 4,761.97

R$ 3.53
R$ 4.17
R$ 3.71
R$ 3.98
R$ 3.89
R$ 4.15
R$ 4.08
R$ 4.18
R$ 4.44
R$ 4.38
R$ 4.64
R$ 4.59
R$ 4.70
R$ 5.25
R$ 4.93
R$ 5.19
R$ 5.17
R$ 5.43
R$ 5.42
R$ 5.55
R$ 5.80
R$ 5.82
R$ 6.07
R$ 6.10
R$ 6.24
R$ 6.58
R$ 6.55
R$ 6.79
R$ 6.86
R$ 7.10

161.71662
158.10673
154.57742
151.12689
147.75338
144.45518
141.23061
138.07801
134.99579
131.98236
129.03621

R$ 3.03
R$ 2.97
R$ 2.90
R$ 2.84
R$ 2.77
R$ 2.71
R$ 2.65
R$ 2.59
R$ 2.53
R$ 2.48
R$ 2.42

R$ 383.24
R$ 392.28
R$ 404.61
R$ 411.09
R$ 423.24
R$ 430.79
R$ 440.95
R$ 455.69
R$ 462.11
R$ 473.76
R$ 484.20

R$ 4,378.73
R$ 3,986.45
R$ 3,581.84
R$ 3,170.74
R$ 2,747.50
R$ 2,316.72
R$ 1,875.77
R$ 1,420.08
R$ 957.96
R$ 484.20
-R$ 0.00

R$ 7.19
R$ 7.36
R$ 7.59
R$ 7.71
R$ 7.94
R$ 8.08
R$ 8.27
R$ 8.55
R$ 8.67
R$ 8.89
R$ 9.09

VALORES SIMULAO
Valor da parcela
IOF Price
IOF VP

VALORES REAIS
Valor Financiado
Taxas

15000
0

N. parcelas
taxa de juros
Valor da parcela
IOF TOTAL
CET

60
1.88000%
R$ 429.64
R$ 275.54
1.95000%

Data

DC

Dias acum.

Juros per.

0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22

6/18/2012
7/18/2012
8/18/2012
9/18/2012
10/18/2012
11/18/2012
12/18/2012
1/18/2013
2/18/2013
3/18/2013
4/18/2013
5/18/2013
6/18/2013
7/18/2013
8/18/2013
9/18/2013
10/18/2013
11/18/2013
12/18/2013
1/18/2014
2/18/2014
3/18/2014
4/18/2014

30
31
31
30
31
30
31
31
28
31
30
31
30
31
31
30
31
30
31
31
28
31

30
61
92
122
153
183
214
245
273
304
334
365
395
426
457
487
518
548
579
610
638
669

0.01880
0.01943
0.01943
0.01880
0.01943
0.01880
0.01943
0.01943
0.01754
0.01943
0.01880
0.01943
0.01880
0.01943
0.01943
0.01880
0.01943
0.01880
0.01943
0.01943
0.01754
0.01943

23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55

5/18/2014
6/18/2014
7/18/2014
8/18/2014
9/18/2014
10/18/2014
11/18/2014
12/18/2014
1/18/2015
2/18/2015
3/18/2015
4/18/2015
5/18/2015
6/18/2015
7/18/2015
8/18/2015
9/18/2015
10/18/2015
11/18/2015
12/18/2015
1/18/2016
2/18/2016
3/18/2016
4/18/2016
5/18/2016
6/18/2016
7/18/2016
8/18/2016
9/18/2016
10/18/2016
11/18/2016
12/18/2016
1/18/2017

30
31
30
31
31
30
31
30
31
31
28
31
30
31
30
31
31
30
31
30
31
31
29
31
30
31
30
31
31
30
31
30
31

699
730
760
791
822
852
883
913
944
975
1003
1034
1064
1095
1125
1156
1187
1217
1248
1278
1309
1340
1369
1400
1430
1461
1491
1522
1553
1583
1614
1644
1675

0.01880
0.01943
0.01880
0.01943
0.01943
0.01880
0.01943
0.01880
0.01943
0.01943
0.01754
0.01943
0.01880
0.01943
0.01880
0.01943
0.01943
0.01880
0.01943
0.01880
0.01943
0.01943
0.01817
0.01943
0.01880
0.01943
0.01880
0.01943
0.01943
0.01880
0.01943
0.01880
0.01943

56
57
58
59
60

2/18/2017
3/18/2017
4/18/2017
5/18/2017
6/18/2017

31
28
31
30
31

1706
1734
1765
1795
1826

0.01943
0.01754
0.01943
0.01880
0.01943

RES SIMULAO
R$ 421.91
R$ 274.54
R$ 255.97

Critrio VALOR PRESENTE

VP
421.71182
413.92994
406.29165
398.79432
391.43533
384.21215
377.12225
370.16318
363.33253
356.62792
350.04704
343.58759
337.24734
331.02409
324.91567
318.91998
313.03492
307.25846
301.58860
296.02336
290.56082
285.19907

IOF VP
R$ 2.12
R$ 2.61
R$ 3.08
R$ 3.51
R$ 3.94
R$ 4.34
R$ 4.74
R$ 5.12
R$ 5.45
R$ 5.80
R$ 6.12
R$ 6.45
R$ 6.33
R$ 6.21
R$ 6.10
R$ 5.98
R$ 5.87
R$ 5.77
R$ 5.66
R$ 5.55
R$ 5.45
R$ 5.35

Critrio PRICE

Amort

Saldo

IOF Price

R$ 139.91
R$ 133.14
R$ 135.73
R$ 147.60
R$ 141.24
R$ 153.03
R$ 146.95
R$ 149.81
R$ 179.00
R$ 156.20
R$ 167.79
R$ 162.49
R$ 174.00
R$ 169.03
R$ 172.32
R$ 183.68
R$ 179.24
R$ 190.51
R$ 186.42
R$ 190.04
R$ 216.01
R$ 197.94

R$ 15,000.00
R$ 14,860.09
R$ 14,726.94
R$ 14,591.21
R$ 14,443.62
R$ 14,302.38
R$ 14,149.35
R$ 14,002.40
R$ 13,852.59
R$ 13,673.59
R$ 13,517.39
R$ 13,349.60
R$ 13,187.11
R$ 13,013.11
R$ 12,844.08
R$ 12,671.76
R$ 12,488.07
R$ 12,308.84
R$ 12,118.33
R$ 11,931.91
R$ 11,741.86
R$ 11,525.85
R$ 11,327.92

R$ 0.70
R$ 0.84
R$ 1.03
R$ 1.30
R$ 1.42
R$ 1.73
R$ 1.85
R$ 2.07
R$ 2.68
R$ 2.54
R$ 2.94
R$ 3.05
R$ 3.27
R$ 3.17
R$ 3.23
R$ 3.45
R$ 3.36
R$ 3.57
R$ 3.50
R$ 3.57
R$ 4.05
R$ 3.71

279.93627
274.77058
269.70022
264.72342
259.83846
255.04364
250.33730
245.71780
241.18355
236.73297
232.36452
228.07668
223.86796
219.73690
215.68208
211.70208
207.79553
203.96106
200.19735
196.50309
192.87700
189.31783
185.82433
182.39530
179.02954
175.72590
172.48321
169.30036
166.17625
163.10979
160.09991
157.14557
154.24575

R$ 5.25
R$ 5.16
R$ 5.06
R$ 4.97
R$ 4.88
R$ 4.79
R$ 4.70
R$ 4.61
R$ 4.53
R$ 4.44
R$ 4.36
R$ 4.28
R$ 4.20
R$ 4.12
R$ 4.05
R$ 3.97
R$ 3.90
R$ 3.83
R$ 3.76
R$ 3.69
R$ 3.62
R$ 3.55
R$ 3.49
R$ 3.42
R$ 3.36
R$ 3.30
R$ 3.24
R$ 3.18
R$ 3.12
R$ 3.06
R$ 3.00
R$ 2.95
R$ 2.89

R$ 208.95
R$ 205.84
R$ 216.75
R$ 214.05
R$ 218.21
R$ 228.95
R$ 226.90
R$ 237.52
R$ 235.93
R$ 240.51
R$ 262.44
R$ 250.29
R$ 260.58
R$ 260.21
R$ 270.37
R$ 270.53
R$ 275.78
R$ 285.73
R$ 286.69
R$ 296.49
R$ 298.03
R$ 303.82
R$ 317.03
R$ 315.88
R$ 325.27
R$ 328.34
R$ 337.56
R$ 341.28
R$ 347.91
R$ 356.86
R$ 361.61
R$ 370.37
R$ 375.83

R$ 11,118.97
R$ 10,913.12
R$ 10,696.38
R$ 10,482.32
R$ 10,264.11
R$ 10,035.16
R$ 9,808.26
R$ 9,570.74
R$ 9,334.81
R$ 9,094.29
R$ 8,831.86
R$ 8,581.57
R$ 8,320.99
R$ 8,060.77
R$ 7,790.40
R$ 7,519.88
R$ 7,244.09
R$ 6,958.37
R$ 6,671.68
R$ 6,375.19
R$ 6,077.16
R$ 5,773.34
R$ 5,456.32
R$ 5,140.43
R$ 4,815.16
R$ 4,486.82
R$ 4,149.26
R$ 3,807.97
R$ 3,460.06
R$ 3,103.19
R$ 2,741.58
R$ 2,371.21
R$ 1,995.38

R$ 3.92
R$ 3.86
R$ 4.07
R$ 4.02
R$ 4.09
R$ 4.30
R$ 4.26
R$ 4.46
R$ 4.43
R$ 4.51
R$ 4.92
R$ 4.70
R$ 4.89
R$ 4.88
R$ 5.07
R$ 5.08
R$ 5.18
R$ 5.36
R$ 5.38
R$ 5.56
R$ 5.59
R$ 5.70
R$ 5.95
R$ 5.93
R$ 6.10
R$ 6.16
R$ 6.33
R$ 6.40
R$ 6.53
R$ 6.70
R$ 6.79
R$ 6.95
R$ 7.05

151.39944
148.60566
145.86342
143.17179
140.52983

R$ 2.84
R$ 2.79
R$ 2.74
R$ 2.69
R$ 2.64

R$ 383.14
R$ 393.64
R$ 398.23
R$ 406.49
R$ 413.87

R$ 1,612.24
R$ 1,218.60
R$ 820.36
R$ 413.87
-R$ 0.00

R$ 7.19
R$ 7.39
R$ 7.47
R$ 7.63
R$ 7.77