Mtodo Pacheco-Gonzalez

Capitalizao anual
VALOR PRESENTE (PV)
PRAZO (n)
TAXA MENSAL (i)
TAXA ANUAL
VALOR FUTURO (FV)

Prestao

NUM
PARC

JURO
MENSAL

SALDO
DEVEDOR
MENSAL

17.595,67

48
1,2000%
14,40%
0,00
475,96

VALOR DA
Parcela
PRES-TAO PRESTAO
MENSAL AT O LTIMO de juros
MS

Parcela de
amortizao

17.595,67

SALDO
DEVEDOR
RESIDUAL

VALOR DAS PRESTAES NO FINAL DE CADA ANO

COMPENSAO ANUAL ENTRE

SALDO DEVEDOR E PRESTAES

17.595,67

211,15

17.806,82

475,96

806,67

211,15

264,81

17.330,86

12 -

11

div

0,9167

x 14,40% >

1,1320

538,79

211,15

18.017,97

475,96

798,12

205,44

270,53

17.060,33

12 -

10

div

12

0,8333

x 14,40% >

1,1200

533,08

211,15

18.229,11

475,96

789,57

199,72

276,24

16.784,09

12 -

div

12

0,7500

x 14,40% >

1,1080

527,37

211,15

18.440,26

475,96

781,02

194,01

281,95

16.502,14

12 -

div

12

0,6667

x 14,40% >

1,0960

521,65

211,15

18.651,41

475,96

772,47

188,30

287,66

16.214,48

12 -

div

12

0,5833

x 14,40% >

1,0840

515,94

211,15

18.862,56

475,96

763,92

182,59

293,37

15.921,11

12 -

div

12

0,5000

x 14,40% >

1,0720

510,23

211,15

19.073,71

475,96

755,36

176,88

299,08

15.622,03

12 -

div

12

0,4167

x 14,40% >

1,0600

504,52

Soma das prestaes

211,15

19.284,85

475,96

746,81

171,17

304,79

15.317,23

12 -

div

12

0,3333

x 14,40% >

1,0480

498,81

atualizadas

211,15

19.496,00

475,96

738,26

165,46

310,51

15.006,73

12 -

div

12

0,2500

x 14,40% >

1,0360

493,10

10

211,15

19.707,15

475,96

729,71

159,74

316,22

14.690,51

12 -

10

div

12

0,1667

x 14,40% >

1,0240

487,39

12

11

211,15

19.918,30

475,96

721,16

154,03

321,93

14.368,58

12 -

11

div

12

0,0833

x 14,40% >

1,0120

481,67

12

211,15

20.129,45

475,96

712,61

148,32

327,64

14.040,94

12 -

12

div

12

x 14,40% >

1,0000

475,96

Saldo atualizado
20.129,45

6.088,51
SALDO RESIDUAL
14.040,94

Mtodo Pacheco-Gonzalez

SALDO
DEVEDOR
MENSAL

VALOR DA
PRES-TAO PRESTAO
Parcela
MENSAL AT O LTIMO de juros
MS

Parcela de
amortizao

SALDO
DEVEDOR
RESIDUAL

NUM
PARC

JURO
MENSAL

13

241,55

20.371,00

475,96

705,13

168,49

307,47

13.733,47

12 -

11

div

0,9167

x 14,40% >

1,1320

538,79

14

241,55

20.612,55

475,96

697,66

162,78

313,18

13.420,29

12 -

10

div

12

0,8333

x 14,40% >

1,1200

533,08

15

241,55

20.854,11

475,96

690,18

157,07

318,89

13.101,39

12 -

div

12

0,7500

x 14,40% >

1,1080

527,37

VALOR DAS PRESTAES NO FINAL DE CADA ANO

12

COMPENSAO ANUAL ENTRE

SALDO DEVEDOR E PRESTAES

16

241,55

21.095,66

475,96

682,71

151,36

324,61

12.776,79

12 -

div

12

0,6667

x 14,40% >

1,0960

521,65

17

241,55

21.337,21

475,96

675,23

145,65

330,32

12.446,47

12 -

div

12

0,5833

x 14,40% >

1,0840

515,94

18

241,55

21.578,77

475,96

667,76

139,93

336,03

12.110,44

12 -

div

12

0,5000

x 14,40% >

1,0720

510,23

Saldo atualizado
16.062,83

19

241,55

21.820,32

475,96

660,28

134,22

341,74

11.768,70

12 -

div

12

0,4167

x 14,40% >

1,0600

504,52

Soma das prestaes

20

241,55

22.061,87

475,96

652,81

128,51

347,45

11.421,25

12 -

div

12

0,3333

x 14,40% >

1,0480

498,81

atualizadas

21

241,55

22.303,43

475,96

645,33

122,80

353,16

11.068,09

12 -

div

12

0,2500

x 14,40% >

1,0360

493,10

22

241,55

22.544,98

475,96

637,86

117,09

358,87

10.709,21

12 -

10

div

12

0,1667

x 14,40% >

1,0240

487,39

23

241,55

22.786,53

475,96

630,38

111,38

364,59

10.344,62

12 -

11

div

12

0,0833

x 14,40% >

1,0120

481,67

24

241,55

23.028,09

475,96

622,91

105,66

370,30

9.974,33

12 -

12

div

12

x 14,40% >

1,0000

475,96

25

276,34

23.304,42

475,96

616,37

119,69

356,27

9.618,06

12 -

11

div

0,9167

x 14,40% >

1,1320

538,79

26

276,34

23.580,76

475,96

609,84

113,98

361,98

9.256,07

12 -

10

div

12

0,8333

x 14,40% >

1,1200

533,08

27

276,34

23.857,10

475,96

603,31

108,27

367,69

8.888,38

12 -

div

12

0,7500

x 14,40% >

1,1080

527,37

28

276,34

24.133,43

475,96

596,77

102,56

373,40

8.514,98

12 -

div

12

0,6667

x 14,40% >

1,0960

521,65

29

276,34

24.409,77

475,96

590,24

96,85

379,12

8.135,86

12 -

div

12

0,5833

x 14,40% >

1,0840

515,94

30

276,34

24.686,11

475,96

583,70

91,13

384,83

7.751,03

12 -

div

12

0,5000

x 14,40% >

1,0720

510,23

31

276,34

24.962,45

475,96

577,17

85,42

390,54

7.360,49

12 -

div

12

0,4167

x 14,40% >

1,0600

504,52

Soma das prestaes

32

276,34

25.238,78

475,96

570,64

79,71

396,25

6.964,24

12 -

div

12

0,3333

x 14,40% >

1,0480

498,81

atualizadas

33

276,34

25.515,12

475,96

564,10

74,00

401,96

6.562,28

12 -

div

12

0,2500

x 14,40% >

1,0360

493,10

34

276,34

25.791,46

475,96

557,57

68,29

407,67

6.154,60

12 -

10

div

12

0,1667

x 14,40% >

1,0240

487,39

12

35

276,34

26.067,79

475,96

551,03

62,58

413,39

5.741,22

12 -

11

div

12

0,0833

x 14,40% >

1,0120

481,67

36

276,34

26.344,13

475,96

544,50

56,86

419,10

5.322,12

12 -

12

div

12

x 14,40% >

1,0000

475,96

6.088,51
SALDO RESIDUAL
9.974,33

Saldo atualizado
11.410,63

6.088,51
SALDO RESIDUAL
5.322,12

Mtodo Pacheco-Gonzalez

SALDO
DEVEDOR
MENSAL

VALOR DA
PRES-TAO PRESTAO
Parcela
MENSAL AT O LTIMO de juros
MS

Parcela de
amortizao

SALDO
DEVEDOR
RESIDUAL

NUM
PARC

JURO
MENSAL

37

316,13

26.660,26

475,96

538,79

63,87

412,10

4.910,03

12 -

11

div

0,9167

x 14,40% >

1,1320

538,79

38

316,13

26.976,39

475,96

533,08

58,15

417,81

4.492,22

12 -

10

div

12

0,8333

x 14,40% >

1,1200

533,08

39

316,13

27.292,52

475,96

527,37

52,44

423,52

4.068,70

12 -

div

12

0,7500

x 14,40% >

1,1080

527,37

VALOR DAS PRESTAES NO FINAL DE CADA ANO

12

COMPENSAO ANUAL ENTRE

SALDO DEVEDOR E PRESTAES

40

316,13

27.608,65

475,96

521,65

46,73

429,23

3.639,47

12 -

div

12

0,6667

x 14,40% >

1,0960

521,65

41

316,13

27.924,78

475,96

515,94

41,02

434,94

3.204,52

12 -

div

12

0,5833

x 14,40% >

1,0840

515,94

42

316,13

28.240,91

475,96

510,23

35,31

440,65

2.763,87

12 -

div

12

0,5000

x 14,40% >

1,0720

510,23

Saldo atualizado
6.088,51

43

316,13

28.557,04

475,96

504,52

29,60

446,37

2.317,50

12 -

div

12

0,4167

x 14,40% >

1,0600

504,52

Soma das prestaes

44

316,13

28.873,17

475,96

498,81

23,88

452,08

1.865,43

12 -

div

12

0,3333

x 14,40% >

1,0480

498,81

atualizadas

45

316,13

29.189,30

475,96

493,10

18,17

457,79

1.407,64

12 -

div

12

0,2500

x 14,40% >

1,0360

493,10

46

316,13

29.505,43

475,96

487,39

12,46

463,50

944,14

12 -

10

div

12

0,1667

x 14,40% >

1,0240

487,39

47

316,13

29.821,56

475,96

481,67

6,75

469,21

474,92

12 -

11

div

12

0,0833

x 14,40% >

1,0120

481,67

48

316,13

30.137,69

475,96

475,96

1,04

474,92

0,00

12 -

12

div

12

x 14,40% >

1,0000

475,96

30.137,69

17.595,67

6.088,51
SALDO RESIDUAL
0,00