Manual Calculadora HP 10

hp 10BII calculadora financeira
guia do usurio
Edio 1
Nmero de pea HP F1902-90004
: TITLE_POR-041029.doc
: 1/2
Aviso
REGISTRO SEU PRODUTO EM : www.register.hp.com
ESTE MANUAL E TODOS OS EXEMPLOS CONTIDOS AQUI SO
FORNECIDOS DO JEITO QUE ESTO E ESTO SUJEITOS
MUDANAS SEM AVISO PRVIO. A COMPAINHA HEWLETTPACKARD NO FAZ GARANTIA DE NENHUM TIPO COM
RESPEITO A ESTE MANUAL OU OS EXEMPLOS CONTIDOS AQUI,
INCLUINDO, MAS NO SE LIMITANDO S GARANTIAS
IMPLCITAS
DE
COMERCIABILIDADE,
NO-VIOLAO
E
APTIDO PARA UM PROPSITO PARTICULAR.
HEWLETT-PACKARD CO. NO SER RESPONSVEL POR
QUAISQUER ERROS OU POR DANOS ACIDENTAIS OU
CONSEQUENCIAIS RELACIONADOS COM O FORNECIMENTO,
DESEMPENHO, OU USO DESTE MANUAL OU OS EXEMPLOS
CONTIDOS AQUI.
Copyright 1988, 1989, 2001, 2004 Hewlett-Packard Development

Company, L.P. Reproduo, adaptao, ou traduo deste manual
proibido sem permisso prvia por escrito de Hewlett-Packard Company,
exceto quando permitido pelas leis de direitos autorais.
Hewlett-Packard Company
4995 Murphy Canyon Rd,
Suite 301
San Diego,CA 92123
Histrico da Tiragem
Edio 1
: 10BII_POR(MP01-2)-041029(Print)
Maio 2003
: 2/2
10B.book Page 3 Sunday, June 25, 2000 1:17 PM
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11
11
12
13
14
15
16
17
18
19
21
Viso Rpida
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Instrues Iniciais
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33
33
33
34
34
35
35
36
36
Percentagens para Negcios

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61
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73
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105
107
109
110
111
113
113
115
117
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123
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128
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Outros Exemplos
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CHAPT_4.FM Page 45 Sunday, June 25, 2000 2:37 PM
4
Identificao de Problemas
Financeiros
Como abordar um Problema Financeiro
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4: Identificao de Problemas Financeiros
45
Setas para cima representam fluxos

de caixa positivos (dinheiro recebido).
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o tempo. Ela dividida em
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10
11
12
13
14
15
16
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46
Perodos e Fluxos de Caixa

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48
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Dois Tipos de Problemas Financeiros

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TXHVHMDHVSHFLILFDPHQWHLQGLFDGRRXVRGHFiOFXORVGHMXURVVLPSOHV2V
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SHUtRGRVGRGLDJUDPDGHIOX[RGHFDL[DRSUREOHPDILQDQFHLURpGRWLSR
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DOXJXHUHVFRQWDVGHSRXSDQoDRXTXDOTXHUFRQWUDWRFRPIOX[RVGHFDL[D
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1
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357 358 359 360
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I/YR = 8,00%
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...
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56 57 58 59
60
N = 60
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Reconhecendo um Problema de Fluxo de Caixa

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51
5
Clculo do Valor Temporal do
Dinheiro
Utilizao da Aplicao TVM
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n 2YDORUGHFDGDSDJDPHQWRGHYHVHURPHVPR6HRVYDORUHVGH
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n 2VSDJDPHQWRVGHYHPRFRUUHUHPLQWHUYDORVUHJXODUHV
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Modos Begin (Incio) e End (Fim)

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Clculos de Emprstimos
Exemplo: Emprstimo para Compra de Automvel. 8PDSHVVRD
REWpPXPILQDQFLDPHQWRGXPDXWRPyYHOQRYRFRPXPHPSUpVWLPRGH
WUrVDQRVHMXURVQRPLQDLVDQXDLVGHFRPSRVWRVPHQVDOPHQWH2
SUHoRGRDXWRPyYHOp$HQWUDGDpGH
Parte 1. 4XDOVHUiRYDORUGRVSDJDPHQWRVPHQVDLVFRPMXURVGH"
6XSRQKDPRVTXHRVSDJDPHQWRVVHLQLFLDPXPPrVDSyVDFRPSUDRX
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55
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36
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.
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Exemplo: Hipoteca de uma Casa. 8PLQGLYtGXRFRQFOXLTXHSRGH

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XPDHQWUDGDGH2VMXURVDQXDLVSUDWLFDGRVDFWXDOPHQWHVmR
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356 357 358 359 360
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Exemplo: Hipoteca com Pagamento Balo. 8PLQGLYtGXRREWHYH
XPDKLSRWHFDGHDVHUSDJDHPDQRVFRPMXURVDQXDLVGH
(OHSODQHLDSHUPDQHFHUQDFDVDSRUTXDWURDQRVHGHSRLVYHQGrOD
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PV = 172.500
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1
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48,00
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164.812,45
Clculos de Poupana
Exemplo: Uma Conta de Poupana. 6HXPLQGLYtGXRGHSRVLWDU
QXPDFRQWDGHSRXSDQoDTXHSDJDMXURVFRPSRVWRVDQXDOPHQWH
GHHQmRIL]HUPDLVGHSyVLWRVQDFRQWDTXDQWRWHPSRVHUi
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FV = 3.000,00
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N=?
P/YR = 1
1
...
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PMT = 0
PV = -2.000,00
&RPRDFRQWDQmRWHPSDJDPHQWRVUHJXODUHV307 RPRGRGH
SDJDPHQWRpLUUHOHYDQWH(QGRX%HJLQ
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Exemplo: Uma Conta de Reforma Individual. 8PLQGLYtGXRDEULX

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80,00
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52.975,60
Exemplo: Uma Conta de Anuidade. 8PLQGLYtGXRRSWRXSRUXPD
UHIRUPDDQWHFLSDGDDSyVXPDFDUUHLUDGHVXFHVVR(OHDFXPXORXXPD
SRXSDQoDGHTXHUHQGHQDPpGLDMXURVGHDQXDLV
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PMT = ?
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N = 600 (50 12)
P/YR = 12
599
600
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Clculos de Alugueres
8PDOXJXHUpXPHPSUpVWLPRGHSURSULHGDGHGHYDORUFRPRLPyYHLV
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Exemplo: Clculo de um Pagamento de Aluguer. 8PFOLHQWHHVSHUD
DUUHQGDUXPDXWRPyYHOTXHFXVWDHPWUrVDQRV2DOXJXHULQVHUH
XPDRSomRGHFRPSUDGRDXWRPyYHOSRUDRILPGRSHUtRGR2
SULPHLURSDJDPHQWRPHQVDOGHYHVHUIHLWRQRGLDHPTXHRFOLHQWHUHWLUDR
DXWRPyYHO6HRYHQGHGRUTXLVHUUHWLUDUDQXDOPHQWHFRPSRVWRV
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FV = 7.500,00
O dinheiro
recebido pelo
arrendador positivo.
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35
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65
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Exemplo: Leasing com Pagamentos Adiantados. $HPSUHVD4XLFN
.LW3ROH%DUQVSODQHLDDOXJDUXPDHPSLOKDGRUDSDUDVHXDUPD]pP2
DOXJXHUpHVFULWRSDUDXPWHUPRGHDQRVFRPSDJDPHQWRVPHQVDLVGH
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SULPHLURH~OWLPRSDJDPHQWRVIHLWRVQRLQtFLRGRDOXJXHU$HPSUHVDWHP
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Modo Begin
PV = ?
I/YR = 9%
N = 48
P/YR = 12
1
...
44 45 46 47 48
PMT = -2.400,00
(48 pagamento devido inicial)
FV = -15.000,00
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0A
0A
0A
*E
98
Visor:
Descrio:
0,00
$SDJDRFRQWH~GRGD
PHPyULDHVWDWtVWLFD
,QFOXLRSULPHLUR
DOXJXHOHVHXSHVR
,QFOXLRVHJXQGR
DOXJXHOHVHXSHVR
,QFOXLRWHUFHLURDOXJXHO
HVHXSHVR
,QFOXLRTXDUWRDOXJXHO
HVHXSHVR
&DOFXODDPpGLGD
SRQGHUDGD
1,00
2,00
3,00
4,00
509,44
8
Outros Exemplos
Aplicaes em Negcios
Definio de um Preo de Venda
8PPpWRGRSDUDGHILQLURSUHoRGHYHQGDSRUXQLGDGHpGHWHUPLQDUR
FXVWRGDSURGXomRXQLWiULDHGHSRLVPXOWLSOLFDUSHODWD[DGHUHWRUQR
GHVHMDGD3DUDTXHHVVHPpWRGRVHMDSUHFLVRpQHFHVViULRLGHQWLILFDUWRGRV
RVFXVWRVDVVRFLDGRVDRSURGXWR
$HTXDomRDEDL[RFDOFXODRSUHoRXQLWiULREDVHDGRQRFXVWRWRWDOHQD
WD[DGHUHWRUQR
35(d2 &8672727$/10(52'(81,'$'(6571

Exemplo. 3DUDSURGX]LUXQLGDGHVRFXVWRpGH'HVHMDVH
XPDWD[DGHUHWRUQRGH4XDQWRGHYHFXVWDUFDGDXQLGDGH"
d
"
*
*
d

Teclas:
Visor:
Descrio:
40.000,00
,QFOXLRFXVWR
&DOFXODRFXVWR
XQLWiULR
&DOFXODRSUHoRGH
YHQGDXQLWiULR
20,00
24,00
8: Outros Exemplos
99
Projeo Baseada no Histrico

8PPpWRGRGHSURMHomRGHYHQGDVWD[DVGHIDEULFDomRRXGHVSHVDVpD
UHYLVmRGHWHQGrQFLDVKLVWyULFDV'HSRLVGHWHURVGDGRVKLVWyULFRVRV
GDGRVVmRDMXVWDGRVDXPDFXUYDTXHWHPWHPSRQRHL[R[HTXDQWLGDGH
QRHL[R\
Exemplo. /HYDQGRVHHPFRQWDRVGDGRVGHYHQGDVDEDL[RTXDLVVmRDV
HVWLPDWLYDVGHYHQGDVSDUDRVDQRVVHLVHVHWH"
*j
0A
0A
0A
0
A
0
A
*4
*4
Teclas:
100 8: Outros Exemplos
Ano
Vendas $
1
2
3
4
5
10.000
11.210
13.060
16.075
20.590
Visor:
Descrio:
0,00
/LPSDRVUHJLVWUDGRUHV
HVWDWtVWLFRV
,QFOXLRSULPHLURDQRH
VXDVYHQGDVUHVSHFWLYDV
,QFOXLRVGDGRVGR
VHJXQGRDQR
&RQWLQXDFRPD
HQWUDGDGHGDGRV
1,00
2,00
3,00
4,00
5,00
22.000,50
24.605,00
(VWLPDDVYHQGDVSDUD
RDQRVHLV
(VWLPDDVYHQGDVSDUD
RDQRVHWH
Custo da Desconsiderao de Desconto para

Pagamento Vista
8PGHVFRQWRSURSRUFLRQDXPDUHGXomRGHSUHoRDRFRPSUDGRUVHR
SDJDPHQWRIRUIHLWRGHQWURGHXPSHUtRGRHVSHFtILFRGHWHPSR3RU
H[HPSOR1(7VLJQLILFDTXHRFRPSUDGRUSRGHGHGX]LU
VHRSDJDPHQWRIRUIHLWRGHQWURGHGLDV6HRSDJDPHQWRQmRIRUIHLWR
HPGH]GLDVRYDORULQWHJUDOGHYHUiVHUSDJRDWpRGLD
8VHDHTXDomRDEDL[RSDUDFDOFXODURFXVWRGDGHVFRQVLGHUDomRGHXP
GHVFRQWRSDUDSDJDPHQWRjYLVWD2FXVWRpFDOFXODGRFRPRXPDWD[DGH
MXURDQXDODVHUFREUDGDSHORSDJDPHQWRDWUDVDGR
'(6&
&8672 = ---------------------------------------------------------------------------------------------------------------------------( ( ',6& ) (727$/',$6 '(6&',$6) )
'(6&pRSHUFHQWXDOGRGHVFRQWRVHRSDJDPHQWRIRUIHLWRFRP
DQWHFHGrQFLD727$/',$6pRQ~PHURWRWDOGHGLDVDWpRGLDGH
SDJDPHQWRGDFRQWD'(6&',$6pRQ~PHURGHGLDVSDUDRVTXDLVR
GHVFRQWRHVWDUiGLVSRQtYHO
Exemplo. 8PDSHVVRDUHFHEHXPDFRQWDFRPRVWHUPRVGHFUpGLWR
1(74XDOpRFXVWRGDGHVFRQVLGHUDomRGRGHVFRQWRSDUD
SDJDPHQWRjYLVWD"
""d
*
*
*
"*

Teclas:
Visor:
Descrio:
72.000,00
&DOFXODRQXPHUDGRU
GDHTXDomR
2VSDUrQWHVHVIRUoDPD
RUGHPGRFiOFXOR
&DOFXODFRPRWD[D
SHUFHQWXDODQXDOR
FXVWRGD
GHVFRQVLGHUDomRGR
GHVFRQWR
98,00
36,73
8: Outros Exemplos 101
Emprstimos e Hipotecas
Taxa Anual Simples
Exemplo. 6HXPHOKRUDPLJRSUHFLVDGHXPHPSUpVWLPRSDUDLQLFLDUVHX
QHJyFLRHSHGLXHPSUHVWDGRDYRFrSRUGLDV9RFrHPSUHVWRXR
GLQKHLURFRPMXURVDQXDLVVLPSOHVGHDVHUHPFDOFXODGRVQDEDVHGH
GLDV4XDOVHUiRMXURGHYLGRDYRFrHPGLDVHRWRWDODVHUSDJR
SHORVHXDPLJR"
(VVDHTXDomRpXVDGDSDUDFDOFXODUMXURDQXDOVLPSOHVXVDQGRXPDQRGH
GLDV
-852
9$/25(035 -852 7(502'2(035(0',$6
---------------------------------------------------------------------------------------------------------------------------------------------------
"
"d
a
Teclas:
Visor:
Descrio:
0,10
$UPD]HQDRMXUR
&DOFXODRMXURGHYLGR
&DOFXODRWRWDOGHYLGR
7,40
457,40
Composio Contnua
$HTXDomRSDUDFDOFXODUXPDWD[DHIHWLYDSDUDFRPSRVLomRFRQWtQXDp
()) = ( H
120 )
)
3DUDUHVROYHUXPSUREOHPDGHFRPSRVLomRFRQWtQXDVLJDDVHWDSDV
DEDL[R
&RPSXWHDWD[DHIHWLYDDQXDOXVDQGRDHTXDomRDFLPD
8VHHVVDWD[DHIHWLYDQRVVHXVFiOFXORVFRPXPSHUtRGRDQXDOGH
3<5 RXFRQYHUWDHVVDWD[DSDUDTXHVHDSOLTXHDRVHXSHUtRGR
GHSDJDPHQWR1RH[HPSORDEDL[R3<5 $VVLPYRFrGHYH
FDOFXODUXPQRYRYDORU120XVDQGRDDSOLFDomRGHFRQYHUVmRGH
WD[DGHMXURFRP3<5LJXDOD
Exemplo. 9RFrWHPDWXDOPHQWHHPXPDFRQWDGR'UHDP
:RUOG,QYHVWPHQWVTXHUHQGHGHMXURVDQXDLVFRPSRVWRV
FRQWLQXDPHQWH$RILPGHFDGDPrVYRFrGHSRVLWDQDFRQWD
4XDOVHUiRVDOGRHPDQRV"

*
"
*Z
*b
*
Teclas:
Visor:
Descrio:
0,18
'LYLGHDWD[DQRPLQDO
SRU
(OHYDHjSRWrQFLD
&DOFXODDWD[DHIHWLYD
DQXDO
$UPD]HQDDWD[D
HIHWLYD
'HILQHRVSDJDPHQWRV
SRUDQR
&DOFXODDWD[DQRPLQDO
DQXDOSDUDXPSHUtRGR
GHSDJDPHQWRPHQVDO
1,20
19,72
19,72
12,00
18,14
*OVHDLQGLFDomR
VHQGRH[LELGD
*U
(2
(
/
180,00
250,00
4.572,80
297.640,27
BEGIN HVWLYHU
$UPD]HQDRQ~PHUR
GHPHVHV
$UPD]HQDR
SDJDPHQWRUHJXODU
$UPD]HQDRVDOGRDWXDO
FRPRXPYDORU
QHJDWLYRFRPRXP
LQYHVWLPHQWRLQLFLDO
&DOFXODRVDOGRGD
FRQWDDSyVDQRVGH
SDJDPHQWRVFRP
GHMXURVFRPSRVWRV
FRQWLQXDPHQWH
Rendimento de uma Hipoteca com Desconto (ou gio)

2UHQGLPHQWRDQXDOGHXPDKLSRWHFDDGTXLULGDFRPGHVFRQWRRXiJLR
SRGHVHUFDOFXODGRFRPEDVHQRYDORUGDKLSRWHFDRULJLQDO39WD[DGH
MXUR,<5SDJDPHQWRSHULyGLFR307YDORUGRSDJDPHQWREDOmR
)9HRSUHoRSDJRSHODKLSRWHFDQRYR39
/HPEUHVHGDFRQYHQomRGRVVLQDLVGHIOX[RGHFDL[DGLQKHLURSDJRp
QHJDWLYRGLQKHLURUHFHELGRpSRVLWLYR
Exemplo. 8PLQYHVWLGRUGHVHMDDGTXLULUXPDKLSRWHFDGH
FRQWUDWDGDDSRUDQRV'HVGHDHPLVVmRGDKLSRWHFDIRUDPIHLWRV
SDJDPHQWRVPHQVDLV2HPSUpVWLPRGHYHVHUSDJRLQWHJUDOPHQWHXP
SDJDPHQWREDOmRDRILPGRTXLQWRDQR4XDOVHUiRUHQGLPHQWRGR
FRPSUDGRUVHRSUHoRGDKLSRWHFDIRU"
Etapa 1.&DOFXODU307$VVHJXUHVHGHTXH)9
VHQGRH[LELGD
*b
.
*U
(
/
2
Teclas:
*OVHDLQGLFDomR
BEGIN HVWLYHU
Visor:
Descrio:
12,00
'HILQHRVSDJDPHQWRV
SRUDQR
$UPD]HQDDWD[DGH
MXURV
$UPD]HQDRQ~PHUR
GHPHVHV
$UPD]HQDRYDORU
RULJLQDOGDKLSRWHFD
,QFOXLRYDORUDVHU
SDJRDSyVDQRV
&DOFXODRSDJDPHQWR
UHJXODU
9,00
240,00
100.000,00
0,00
899,73
Etapa 2.,QFOXLURQRYRYDORUGH1LQGLFDQGRTXDQGRRSDJDPHQWREDOmR
RFRUUHUiHHQFRQWUDU)9RYDORUGREDOmR
*L2
Teclas:
*U
/
Visor:
Descrio:
899,73
3DUDPDLRUSUHFLVmR
DUUHGRQGDR
SDJDPHQWRSDUDGXDV
FDVDVGHFLPDLV
$UPD]HQDRQ~PHUR
GHSDJDPHQWRVDWpR
EDOmR
&DOFXODRSDJDPHQWR
EDOmRDFUHVFHQWDDR
SDJDPHQWRILQDO
60,00
88.706,74
Etapa 3.,QFOXLURVYDORUHVUHDLVHDWXDLVGH1H39HHQFRQWUDURQRYR
,<5SDUDDKLSRWHFDFRPGHVFRQWRGHEDOmR
PP
Teclas:
(
.
Visor:
Descrio:
18,00
$UPD]HQDRQ~PHUR
GHSDJDPHQWRV
UHVWDQWHV
$UPD]HQDRSUHoRGD
KLSRWHFD
&DOFXODRUHWRUQRGD
KLSRWHFDFRP
GHVFRQWR
79.000,00
20,72
Percentual Anual para um Emprstimo Taxado

$WD[DSHUFHQWXDODQXDO$35LQFRUSRUDLPSRVWRVJHUDOPHQWHFREUDGRV
QDHPLVVmRGHXPDKLSRWHFDTXHHIHWLYDPHQWHDXPHQWDDWD[DGHMXUR2
YDORUUHDOUHFHELGRSHORPXWXiULR39pUHGX]LGDHQTXDQWRRV
SDJDPHQWRVSHUtRGLFRVSHUPDQHFHPLQDOWHUDGRV$$35SRGHVHU
FDOFXODGDGHDFRUGRFRPRWHUPRGDKLSRWHFDSHUtRGRV1DWD[DGHMXUR
DQXDO,35RYDORUGDKLSRWHFDQRYR39HRYDORUGRLPSRVWR
/HPEUHVHGDFRQYHQomRGRVVLQDLVGHIOX[RGHFDL[DGLQKHLURSDJRp
QHJDWLYRGLQKHLURUHFHELGRpSRVLWLYR
Exemplo: APR para um Emprstimo Taxado. 6mRFREUDGRVDXP
PXWXiULRSRQWRVSHODHPLVVmRGHXPDKLSRWHFD8PSRQWRpLJXDOD
GRYDORUGDKLSRWHFD6HRYDORUGDKLSRWHFDpSRUDQRV
HDWD[DGHMXURDQXDOpGHFRPSDJDPHQWRVPHQVDLVTXDOpRYDORU
GD$35SDJDSHORPXWXiULR"
VHQGRH[LELGD
*b
.
*U

/
Teclas:
2

.
*OVHDLQGLFDomR
BEGIN HVWLYHU
Visor:
Descrio:
12,00
'HILQHRVSDJDPHQWRV
SRUDQR
$UPD]HQDDWD[DGH
MXURV
$UPD]HQDDGXUDomRGD
KLSRWHFD
$UPD]HQDRYDORU
RULJLQDOGDKLSRWHFD
2HPSUpVWLPRWHUi
VLGRFRPSOHWDPHQWH
SDJRHPDQRV
&DOFXODRSDJDPHQWR
5HFXSHUDRYDORUGR
HPSUpVWLPR
6XEWUDLRVSRQWRV
&DOFXODD$35
FRQVLGHUDQGRRV
LPSRVWRV
8,50
360.00
160.000,00
0,00
1.230,26
160.000,00
156.800
8,72
Exemplo: Emprstimo com Juros Somente e Taxas. 8P
HPSUpVWLPRFRPMXURVRPHQWHGHSRUDQRVFRPGH
MXURVDQXDLVWHPXPLPSRVWRGHRULJLQDomRGHWUrVSRQWRV4XDOVHUiR
UHQGLPHQWRGRILQDQFLDGRU"6XSRQKDTXHVHMDPIHLWRVSDJDPHQWRV
PHQVDLVGHMXURV
*OVHDLQGLFDomR
VHQGRH[LELGD
*b
.
*U

(/
Teclas:
2

.
BEGIN HVWLYHU
Visor:
Descrio:
12,00
'HILQHRVSDJDPHQWRV
SRUDQR
$UPD]HQDDWD[DGH
MXURV
$UPD]HQDDGXUDomRGD
KLSRWHFD
$UPD]HQDRYDORU
RULJLQDOGDKLSRWHFD
,QFOXLRYDORUGHYLGR
DRILPGRWHUPR2V
SDJDPHQWRVVmRGH
MXURVVRPHQWH$VVLPR
YDORULQWHJUDOGR
HPSUpVWLPRpGHYLGR
&DOFXODSDJDPHQWRVGH
MXURVVRPHQWH
5HFXSHUDRYDORUGR
HPSUpVWLPR
6XEWUDLRVSRQWRV
&DOFXOD$35
12,00
120,00
1.000.000,00
1.000.000,00
10.000,00
1.000.000,00
970.000,00
12,53
Emprstimo com um Primeiro Perodo Parcial

(Fracionrio)
2VFiOFXORV790VHDSOLFDPjVWUDQVDo}HVILQDQFHLUDVHPTXHFDGD
SHUtRGRGHSDJDPHQWRWHPDPHVPDGXUDomR(QWUHWDQWRH[LVWHP
VLWXDo}HVHPTXHRSULPHLURSHUtRGRGHSDJDPHQWRQmRWHPDPHVPD
GXUDomRGRVRXWURVSHUtRGRV2SULPHLURSHUtRGRpjVYH]HVFKDPDGRGH
IUDFLRQiULRRXSDUFLDO
6HRMXURpDSOLFDGRDXPSULPHLURSHUtRGRIUDFLRQiULRHOHpJHUDOPHQWH
FDOFXODGRFRPRMXURVLPSOHV$VVLPRXVRGD+3%,,SDUDID]HUXP
FiOFXORGHSDJDPHQWRFRPXPSULPHLURSHUtRGRIUDFLRQiULRpFRPSRVWR
GHGXDVHWDSDV
&DOFXODURYDORUGHMXURVLPSOHVTXHpSURYLVLRQDGRGXUDQWHR
SULPHLURSHUtRGRIUDFLRQDOHDGLFLRQiORDRYDORUGRHPSUpVWLPR
(VVHpRQRYR399RFrGHYHVHUFDSD]GHFDOFXODUDGXUDomRGR
SULPHLURSHUtRGRSDUFLDOFRPRXPDIUDomRGRSHUtRGRLQWHJUDO3RU
H[HPSORXPSULPHLURSHUtRGRIUDFLRQiULRGHGLDVVHULD
SHUtRGRVXSRQGRVHTXHXPSHUtRGRLQWHJUDOVHMDXPPrVGH
GLDV
&DOFXODURSDJDPHQWRXVDQGRRQRYR39FRP1LJXDODRQ~PHUR
GHSHUtRGRVLQWHJUDLV8VHRPRGR%HJLQVHRQ~PHURGHGLDVDWpR
GLDGRSULPHLURSDJDPHQWRIRUPHQRUTXHFDVRFRQWUiULRXVHR
PRGR(QG
Exemplo. 8PHPSUpVWLPRGHSRUPHVHVWHPWD[DDQXDOGH
6HRSULPHLURSDJDPHQWRPHQVDOIRUIHLWRHPGLDVTXDOVHUiR
YDORUGRSDJDPHQWRPHQVDOVXSRQGRVHXPPrVGHGLDV"
2SULPHLURSHUtRGRIUDFLRQiULRGHVWHH[HPSORpGHGLDV
VHQGRH[LELGD
*b
.
d"
d"
*i

P
/
2
Teclas:
*OVHDLQGLFDomR
BEGIN HVWLYHU
Visor:
Descrio:
12,00
'HILQHRVSDJDPHQWRVSRUDQR
&DOFXODDWD[DGHMXURVSHULyGLFD
0XOWLSOLFDSHODIUDomRGHXP
SHUtRGR
&DOFXODRYDORUGHMXURVLPSOHV
GHYLGRSHORSHUtRGRIUDFLRQiULR
$FUHVFHQWDHVVHMXURVLPSOHVDR
YDORUSUHVHQWH
$UPD]HQDRWHUPRGR
HPSUpVWLPR
,QFOXLRYDORUUHVWDQWHDVHUSDJR
DSyVSDJDPHQWRV
&DOFXODRYDORUGRSDJDPHQWR
15,00
1,25
0,67
30,00
4.530,00
36,00
0,00
157,03
Emprstimo para Compra de Automvel

Exemplo. 9RFrHVWiFRPSUDQGRXPFDUURQRYRQRYDORUGH
6XDHQWUDGDpGHHYRFrILQDQFLDUiRUHVWDQWH2YHQGHGRU
HVWiRIHUHFHQGRGXDVRSo}HVGHILQDQFLDPHQWR
n 8PHPSUpVWLPRGHDQRVFRPWD[DGHMXURDQXDOGH
n 8PHPSUpVWLPRGHDQRVFRPWD[DGHMXURDQXDOGHH
DEDWLPHQWRGH
(PTXDOGRVGRLVSODQRVYRFrSDJDULDPHQRVSHORDXWRPyYHO"
*O
VHQGRH[LELGD&DOFXOHDSULPHLUDRSomR
*b
P

/
.
2
"P
Teclas:
Visor:
Descrio:
12,00
'HILQHRVSDJDPHQWRV
SRUDQR
$UPD]HQDYDORUHV
FRQKHFLGRV
36,00
12.500,00
0,00
3,50
366,28
13.185,94
$UPD]HQDDSULPHLUD
WD[DGHMXUR
&DOFXODRSDJDPHQWR
&DOFXODRWRWDOGHMXURV
HSULQFLSDO
&DOFXOHDVHJXQGDRSomR

Teclas:
.
2
"P
Visor:
Descrio:
11.500,00
$UPD]HQDRYDORUGR
HPSUpVWLPRFRP
DEDWLPHQWR
$UPD]HQDDVHJXQGD
WD[DGHMXUR
&DOFXODRSDJDPHQWR
&DOFXODRWRWDOGHMXURV
HSULQFLSDO
9,50
368,38
13.261,64
$SULPHLUDRSomRILFDXPSRXFRPDLVEDUDWD
Hipotecas Canadenses
(PKLSRWHFDVFDQDGHQVHVRVSHUtRGRVGHFRPSRVLomRHSDJDPHQWRQmR
VmRLJXDLV2MXURpFRPSRVWRVHPHVWUDOPHQWHHQTXDQWRRVSDJDPHQWRV
VmRIHLWRVPHQVDOPHQWH3DUDXVDUDDSOLFDomR790GD+3%,,VHUi
QHFHVViULRFDOFXODUXPIDWRUGHKLSRWHFDFDQDGHQVHTXHpXPDWD[DGHMXUR
DMXVWDGDSDUDDUPD]HQDUHP,<5
3DUDREWHUPDLVLQIRUPDo}HVVREUHFRQYHUV}HVGHWD[DVGHMXURVFRQVXOWH
&RQYHUV}HVGH7D[DVGH-XURVSiJLQD
Exemplo. 4XDOpRYDORUGRSDJDPHQWRPHQVDOQHFHVViULRSDUD
DPRUWL]DUWRWDOPHQWHXPDKLSRWHFDFDQDGHQVHGHSRUDQRV
VHDWD[DGHMXURDQXDOpGH"
*
*b
Teclas:
*Z
*b
*

/*U
2
Visor:
Descrio:
12,00
2,00
$UPD]HQDRSHUFHQWXDO
QRPLQDOFRQKHFLGRHR
Q~PHURGHSHUtRGRVGH
FRPSRVLomR
&DOFXODDWD[DHIHWLYD
DQXDO
'HILQHRVSDJDPHQWRV
SRUDQR
&DOFXODRIDWRUGHKLSRWHFD
FDQDGHQVHWD[DGHMXUR
DMXVWDGD
$UPD]HQDRXWURV
YDORUHVFRQKHFLGRV
SDUDKLSRWHFD
&DOFXODRSDJDPHQWR
PHQVDOSDUDKLSRWHFD
FDQDGHQVH
12,36
12,00
11,71
130.000
360,00
1.308,30
Hipteses em Clculos TVM

8PGRVDVSHFWRVPDLVYDOLRVRVGDDSOLFDomR790GD+3%,,pD
IDFLOLGDGHGHOLGDUFRPKLSyWHVHVHPFiOFXORVILQDQFHLURV3RUH[HPSOR
XPDGDVKLSyWHVHVPDLVSRSXODUHVp(VHDVWD[DVGHMXURVPXGDVVHP
SDUD"&RPRLVVRDIHWDULDPHXSDJDPHQWR"3DUDUHVSRQGHUHVVD
TXHVWmRGHSRLVGHWHUFDOFXODGRXPSDJDPHQWREDVHDGRHPXPDWD[DGH
MXURWXGRRTXHYRFrSUHFLVDID]HUpLQFOXLUDQRYDWD[DGHMXURH
UHFDOFXODU307
$OJXQVGRVH[HPSORVDQWHULRUHVGHVWHPDQXDOLQFOXtUDPDOJXQVEUHYHV
HQFRQWURVFRPTXHVW}HVKLSRWpWLFDV3RUpPYHMDXPH[HPSORPDLV
FRPSOHWRDEDL[R
Exemplo. 9RFrLUiFRQWUDWDUXPDKLSRWHFDGHSRUDQRVSDUD
XPDFDVDGHSUDLD$WD[DGHMXURDQXDOpGH
Parte 1.4XDOVHUiRYDORUGRVSDJDPHQWRVDRILPGRVPHVHV"
*OVHDLQGLFDomR
VHQGRH[LELGD
*b

.
*U
/
2
Teclas:
BEGIN HVWLYHU
Visor:
Descrio:
12,00
'HILQHRVSDJDPHQWRV
SRUDQR
$UPD]HQDYDORUHV
FRQKHFLGRV
735.000,00
11,20
360,00
0,00
7.110,88
&DOFXODRSDJDPHQWR
Parte 2.$IROKDGHSDJDPHQWRUHJXODUGHVXDHPSUHVDpJHUDGDDFDGD
GXDVVHPDQDVjVVH[WDVIHLUDV2EDQFRFRQFRUGDHPUHWLUDU
DXWRPDWLFDPHQWHSDJDPHQWRVGHGHFDGDIROKDGHSDJDPHQWR
DSUR[LPDGDPHQWHPHWDGHGRTXHVHULDXPSDJDPHQWRPHQVDOHDMXVWDU
RSHUtRGRGHSDJDPHQWRGHDFRUGRSHUtRGRVGHFRPSRVLomRSRUDQR
4XDOVHULDRQRYRWHUPRGRHPSUpVWLPR"
(2
*b
P
*U
3.555,00
26,00
514,82
19,80
,QFOXLRQRYR
SDJDPHQWR
'HILQHRVSDJDPHQWRV
SRUDQRSDUDFDGDGXDV
VHPDQDV
&DOFXODRQ~PHURGH
SDJDPHQWRV
TXLQ]HQDLV
([LEHRVDQRV
QHFHVViULRVSDUDR
SDJDPHQWRWRWDOGR
HPSUpVWLPR
Parte 3.(VHYRFrIL]HVVHSDJDPHQWRVPHQVDLVFRPRQDSDUWHPDV
HVFROKHVVHXPWHUPRGHDQRV"4XDOVHULDRYDORUGRQRYRSDJDPHQWR"
4XDOVHULDRMXURWRWDOSDJRQRFRQWUDWR"
*b
*U
2
Teclas:
"P

Visor:
Descrio:
12,00
'HILQHRVSDJDPHQWRV
SRUDQR
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Informaes Regulatrias
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Para Japo somente
Descarte de Lixo Eltrico na Comunidade Europia
Este smbolo encontrado no produto ou na embalagem

indica que o produto no deve ser descartado no lixo
domstico comum. responsabilidade do cliente
descartar o material usado (lixo eltrico), encaminhandoo para um ponto de coleta para reciclagem. A coleta e a
reciclagem seletivas desse tipo de lixo ajudaro a
conservar as reservas naturais; sendo assim, a reciclagem
ser feita de uma forma segura, protegendo o ambiente e a sade das
pessoas. Para obter mais informaes sobre locais que reciclam esse tipo
de material, entre em contato com o escritrio da HP em sua cidade, com
o servio de coleta de lixo ou com a loja em que o produto foi adquirido.
Termos e Condies do Usurio Final

Calculadora Financeira HP 10BII
Prazo de Garantia: 12 meses
1. A HP garante ao cliente usurio final que o hardware da HP, seus
acessrios e suprimentos estaro livres de defeitos materiais e de
mo-de-obra aps a data de compra, durante o prazo especificado
acima. Se a HP receber a notificao de tais defeits durante o prazo
de garantia, a HP, a seu critrio, reparar ou substituir os produtos
comprovadamente defeituosos. Os produtos substitudos podem ser
novos ou seminovos.
2. A HP garante que o software da calculadora no falhar na execuo
de suas instrues de programao aps a data de compra, durante o
prazo especificado acima, devido a defeitos materiais e de mo-deobra quando corretamente instalada e utilizada. Se a HP receber a
notificao de tais defeitos durante o prazo de garantia, substituir a
3.
4.
5.
6.
7.
8.
mdia de software que no estiver executando suas instrues de

programao devido a tais defeitos.
A HP no garante que a operao de seus produtos ser ininterrupta
ou livre de erros. Se a HP estiver impossibilitada, dentro de um
prazo razovel, de reparar ou substituir qualquer produto com
condio garantida, o usurio ter reembolsado o preo pago com a
condio de devolver o produto.
Os produtos HP podem conter peas recondicionadas equivalentes a
novas em desempenho ou que tenham sido sujeitas a uso ocasional.
A garantia no se aplica a defeitos resultantes de (a) manuteno
imprpria ou inadequada ou calibrao, (b) software, interface, peas
ou suprimentos no fornecidos pela HP, (c) modificao sem
autorizao ou mau uso, (d) operao fora das especificaes
ambientais publicadas para o produto, ou (e) preparao de local ou
manuteno imprprias.
A Hewlett Packard no oferece qualquer garantia ou condio
explcita por escrito ou oral. Na medida permitida pela lei local,
qualquer garantia ou condio de comerciabilidade implcita,
qualidade satisfatria, ou adequao a um propsito particular
limitada durao da garantia expressa acima. Alguns pases, estados
ou provncias no permitem limitaes na durao de uma garantia
implcita, assim a limitao ou excluso acima pode no se aplicar a
voc. Esta garantia fornece direitos legais especficos e o usurio
tambm pode ser detentor de outros direitos que variam conforme o
pas, o estado ou a provncia.
Na medida permitida pela lei local, os remdios desta declarao de
garantia so os nicos e exclusivos. Exceto conforme indicado
acima, em nenhum caso a Hewlett Packard ou seus fornecedores
sero responsabilizados por perda de dados ou por danos diretos,
especiais, incidentais, resultantes (incluindo perda de lucro ou de
dados), ou outros, mesmo que baseados em contratos, atos ilcitos
ou outros. Alguns pases, estados ou provncias no permitem a
excluso ou limitao de danos incidentais ou resultantes. Por isso, a
limitao ou excluso acima podem no se aplicar a voc.
Para transaes de consumo na Austrlia e Nova Zelndia: Os
termos de garantia contidos nesta declarao, exceto na extenso do
que permido por lei, no excluem, no restringem nem modificam
e so acrescidos aos direitos estatutrios obrigatrios aplicveis a
venda deste produto para voc.
appendix_B.fm Page 135 Sunday, June 25, 2000 2:39 PM
B
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Manual Calculadora HP 10

Enviado por

Dados do documento

Direitos autorais

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Manual Calculadora HP 10

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hp 10BII calculadora financeira

Copyright 1988, 1989, 2001, 2004 Hewlett-Packard Development

10B.book Page 3 Sunday, June 25, 2000 1:17 PM

10B.book Page 4 Sunday, June 25, 2000 1:17 PM

10B.book Page 5 Sunday, June 25, 2000 1:17 PM

10B.book Page 6 Sunday, June 25, 2000 1:17 PM

Percentagens para Negcios

Armazenamento de Nmeros e Aritmtica

Identificao de Problemas Financeiros

10B.book Page 7 Sunday, June 25, 2000 1:17 PM

Clculo do Valor Temporal do Dinheiro

Clculos de Fluxo de Caixa

10B.book Page 8 Sunday, June 25, 2000 1:17 PM

10B.book Page 9 Sunday, June 25, 2000 1:17 PM

Informaes Adicionais sobre Clculos

10B.book Page 10 Sunday, June 25, 2000 1:17 PM

10B.book Page 11 Sunday, June 25, 2000 1:17 PM

Instrues Bsicas Viso Rpida

10B.book Page 12 Sunday, June 25, 2000 1:17 PM

Percentuais Viso Rpida

10B.book Page 13 Sunday, June 25, 2000 1:17 PM

Teclas de Memria Viso Rpida

10B.book Page 14 Sunday, June 25, 2000 1:17 PM

Valor Temporal do Dinheiro (TVM) Viso

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10B.book Page 15 Sunday, June 25, 2000 1:17 PM

Hipteses TVM Viso Rpida

10B.book Page 16 Sunday, June 25, 2000 1:17 PM

Amortizao Viso Rpida

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10B.book Page 17 Sunday, June 25, 2000 1:17 PM

Converso de Taxa de Juros Viso Rpida

10B.book Page 18 Sunday, June 25, 2000 1:17 PM

IRR/YR e NPV Viso Rpida

10B.book Page 19 Sunday, June 25, 2000 1:17 PM

Estatsticas Viso Rpida

10B.book Page 20 Sunday, June 25, 2000 1:17 PM

10B.book Page 21 Sunday, June 25, 2000 1:17 PM

1. Clculo do Valor Temporal do

14. Memria de 3 teclas (pgina 39)

10B.book Page 22 Sunday, June 25, 2000 1:17 PM

10B.book Page 23 Sunday, June 25, 2000 1:17 PM

Ajuste do Contraste do Visor

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10B.book Page 24 Sunday, June 25, 2000 1:17 PM

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10B.book Page 25 Sunday, June 25, 2000 1:17 PM

Caractersticas do Visor e do Teclado

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10B.book Page 26 Sunday, June 25, 2000 1:17 PM

10B.book Page 27 Sunday, June 25, 2000 1:17 PM

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10B.book Page 28 Sunday, June 25, 2000 1:17 PM

10B.book Page 29 Sunday, June 25, 2000 1:17 PM

Funes de Dois Nmeros. 4XDQGRXPDIXQomR

Formato dos Nmeros no Visor

10B.book Page 30 Sunday, June 25, 2000 1:17 PM

Especificao das Casas Decimais Exibidas

10B.book Page 31 Sunday, June 25, 2000 1:17 PM

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