Casa prpria ou aluguel

por Conrado Navarro

www.dinheirama.com

Calculando a parcela de seu financiamento

Valor a ser financiado
Juros mensais
Tempo (em meses)

R$ 100,000.00
1.10%
240

Valor da parcela

1185.85

Abaixo voc pode simular a compra vs o aluguel, j tendo o dinheiro disponvel para a compra.

Opo por compra do imvel

Disponvel (R$)
100,000.00
Valor da casa (R$)
100,000.00
Sobra aplicada (R$)
0.00
Imposto de Renda
15%
Aporte inicial
Aporte mensal
Rentabilidade mensal

Ms
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28

Juros
0.00
1.60
3.21
4.84
6.48
8.13
9.79
11.47
13.16
14.87
16.59
18.32
20.07
21.83
23.60
25.39
27.19
29.01
30.84
32.69
34.55
36.43
38.32
40.23
42.15
44.09
46.04
48.01

0.00
200.00
0.80%

Acumulado
200.00
401.60
604.81
809.65
1,016.13
1,224.26
1,434.05
1,645.52
1,858.69
2,073.56
2,290.15
2,508.47
2,728.54
2,950.36
3,173.97
3,399.36
3,626.55
3,855.57
4,086.41
4,319.10
4,553.65
4,790.08
5,028.40
5,268.63
5,510.78
5,754.87
6,000.91
6,248.91

Opo por aluguel do imvel

Disponvel (R$)
Aluguel (R$)
Imposto de renda

Aporte inicial
Aporte mensal
Rentabilidade mensal

Ms
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28

5 anos
Depois do IR
R$14,826.06

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
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84

49.99
51.99
54.01
56.04
58.09
60.15
62.23
64.33
66.45
68.58
70.73
72.89
75.08
77.28
79.49
81.73
83.98
86.26
88.55
90.85
93.18
95.53
97.89
100.27
102.68
105.10
107.54
110.00
112.48
114.98
117.50
120.04
122.60
125.18
127.78
130.40
133.05
135.71
138.40
141.10
143.83
146.58
149.36
152.15
154.97
157.81
160.67
163.55
166.46
169.39
172.35
175.33
178.33
181.36
184.41
187.48

6,498.90
6,750.90
7,004.90
7,260.94
7,519.03
7,779.18
8,041.41
8,305.75
8,572.19
8,840.77
9,111.50
9,384.39
9,659.46
9,936.74
10,216.23
10,497.96
10,781.95
11,068.20
11,356.75
11,647.60
11,940.78
12,236.31
12,534.20
12,834.47
13,137.15
13,442.25
13,749.78
14,059.78
14,372.26
14,687.24
15,004.74
15,324.77
15,647.37
15,972.55
16,300.33
16,630.73
16,963.78
17,299.49
17,637.89
17,978.99
18,322.82
18,669.40
19,018.76
19,370.91
19,725.88
20,083.68
20,444.35
20,807.91
21,174.37
21,543.77
21,916.12
22,291.44
22,669.78
23,051.13
23,435.54
23,823.03

Depois IR
R$110,244.44

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
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84

10 anos
Depois do IR
R$37,636.97

85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140

190.58
193.71
196.86
200.03
203.23
206.46
209.71
212.99
216.29
219.62
222.98
226.36
229.77
233.21
236.68
240.17
243.69
247.24
250.82
254.43
258.06
261.73
265.42
269.14
272.90
276.68
280.49
284.34
288.21
292.12
296.06
300.02
304.02
308.06
312.12
316.22
320.35
324.51
328.71
332.94
337.20
341.50
345.83
350.20
354.60
359.03
363.51
368.01
372.56
377.14
381.76
386.41
391.10
395.83
400.60
405.40

24,213.61
24,607.32
25,004.18
25,404.21
25,807.45
26,213.91
26,623.62
27,036.61
27,452.90
27,872.52
28,295.50
28,721.87
29,151.64
29,584.85
30,021.53
30,461.71
30,905.40
31,352.64
31,803.46
32,257.89
32,715.95
33,177.68
33,643.10
34,112.25
34,585.15
35,061.83
35,542.32
36,026.66
36,514.87
37,006.99
37,503.05
38,003.07
38,507.10
39,015.15
39,527.28
40,043.49
40,563.84
41,088.35
41,617.06
42,150.00
42,687.20
43,228.69
43,774.52
44,324.72
44,879.32
45,438.35
46,001.86
46,569.87
47,142.43
47,719.57
48,301.33
48,887.74
49,478.84
50,074.67
50,675.27
51,280.67

Depois do IR
R$130,891.07

85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140

15 anos
Desc. IR
R$73,327.38

141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180
181
182
183
184
185
186
187
188
189
190
191
192
193
194
195
196

410.25
415.13
420.05
425.01
430.01
435.05
440.13
445.25
450.41
455.62
460.86
466.15
471.48
476.85
482.26
487.72
493.22
498.77
504.36
509.99
515.67
521.40
527.17
532.99
538.85
544.76
550.72
556.73
562.78
568.88
575.03
581.23
587.48
593.78
600.13
606.53
612.99
619.49
626.05
632.66
639.32
646.03
652.80
659.62
666.50
673.43
680.42
687.46
694.56
701.72
708.93
716.20
723.53
730.92
738.37
745.88

51,890.92
52,506.04
53,126.09
53,751.10
54,381.11
55,016.16
55,656.29
56,301.54
56,951.95
57,607.57
58,268.43
58,934.57
59,606.05
60,282.90
60,965.16
61,652.88
62,346.11
63,044.88
63,749.23
64,459.23
65,174.90
65,896.30
66,623.47
67,356.46
68,095.31
68,840.07
69,590.79
70,347.52
71,110.30
71,879.18
72,654.22
73,435.45
74,222.93
75,016.72
75,816.85
76,623.39
77,436.37
78,255.86
79,081.91
79,914.57
80,753.88
81,599.91
82,452.71
83,312.33
84,178.83
85,052.26
85,932.68
86,820.14
87,714.70
88,616.42
89,525.35
90,441.56
91,365.09
92,296.01
93,234.38
94,180.25

Desc. IR
R$167,228.20

141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180
181
182
183
184
185
186
187
188
189
190
191
192
193
194
195
196

20 anos
Desc. IR
R$129,792.31

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

753.44
761.07
768.76
776.51
784.32
792.19
800.13
808.13
816.20
824.33
832.52
840.78
849.11
857.50
865.96
874.49
883.09
891.75
900.48
909.29
918.16
927.11
936.12
945.21
954.38
963.61
972.92
982.30
991.76
1,001.30
1,010.91
1,020.59
1,030.36
1,040.20
1,050.12
1,060.12
1,070.20
1,080.37
1,090.61
1,100.93
1,111.34
1,121.83
1,132.41
1,143.07

95,133.69
96,094.76
97,063.52
98,040.03
99,024.35
100,016.55
101,016.68
102,024.81
103,041.01
104,065.34
105,097.86
106,138.64
107,187.75
108,245.25
109,311.22
110,385.71
111,468.79
112,560.54
113,661.03
114,770.32
115,888.48
117,015.59
118,151.71
119,296.92
120,451.30
121,614.91
122,787.83
123,970.13
125,161.89
126,363.19
127,574.09
128,794.69
130,025.04
131,265.24
132,515.37
133,775.49
135,045.69
136,326.06
137,616.67
138,917.60
140,228.94
141,550.77
142,883.18
144,226.24

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

Desc. IR
R$228,873.96
Copyright Conrado Navarro - www.dinheirama.com - 2007

guel
rro
om

Opo por aluguel do imvel

Disponvel (R$) 100,000.00
Aluguel (R$)
750.00
Imposto de renda
15%

Aporte mensal
Rentabilidade mensal

Juros
0.00
795.60
797.56
799.55
801.54
803.55
805.58
807.63
809.69
811.77
813.86
815.97
818.10
820.24
822.41
824.58
826.78
829.00
831.23
833.48
835.74
838.03
840.34
842.66
845.00
847.36
849.74
852.14

99,250.00
200.00
0.80%

Acumulado
99,450.00
99,695.60
99,943.16
100,192.71
100,444.25
100,697.81
100,953.39
101,211.02
101,470.70
101,732.47
101,996.33
102,262.30
102,530.40
102,800.64
103,073.05
103,347.63
103,624.41
103,903.41
104,184.63
104,468.11
104,753.86
105,041.89
105,332.22
105,624.88
105,919.88
106,217.24
106,516.98
106,819.11

854.55
856.99
859.45
861.92
864.42
866.93
869.47
872.02
874.60
877.20
879.81
882.45
885.11
887.79
890.49
893.22
895.96
898.73
901.52
904.33
907.17
910.03
912.91
915.81
918.74
921.69
924.66
927.66
930.68
933.72
936.79
939.89
943.01
946.15
949.32
952.51
955.73
958.98
962.25
965.55
968.87
972.23
975.60
979.01
982.44
985.90
989.39
992.90
996.45
1,000.02
1,003.62
1,007.25
1,010.90
1,014.59
1,018.31
1,022.05

107,123.66
107,430.65
107,740.10
108,052.02
108,366.44
108,683.37
109,002.83
109,324.86
109,649.46
109,976.65
110,306.46
110,638.92
110,974.03
111,311.82
111,652.31
111,995.53
112,341.50
112,690.23
113,041.75
113,396.09
113,753.25
114,113.28
114,476.19
114,842.00
115,210.73
115,582.42
115,957.08
116,334.73
116,715.41
117,099.13
117,485.93
117,875.82
118,268.82
118,664.97
119,064.29
119,466.81
119,872.54
120,281.52
120,693.77
121,109.32
121,528.20
121,950.42
122,376.03
122,805.04
123,237.48
123,673.38
124,112.76
124,555.66
125,002.11
125,452.13
125,905.74
126,362.99
126,823.89
127,288.48
127,756.79
128,228.85

1,025.83
1,029.64
1,033.47
1,037.34
1,041.24
1,045.17
1,049.13
1,053.13
1,057.15
1,061.21
1,065.30
1,069.42
1,073.58
1,077.76
1,081.99
1,086.24
1,090.53
1,094.86
1,099.21
1,103.61
1,108.04
1,112.50
1,117.00
1,121.54
1,126.11
1,130.72
1,135.36
1,140.05
1,144.77
1,149.53
1,154.32
1,159.16
1,164.03
1,168.94
1,173.89
1,178.88
1,183.92
1,188.99
1,194.10
1,199.25
1,204.45
1,209.68
1,214.96
1,220.28
1,225.64
1,231.05
1,236.49
1,241.99
1,247.52
1,253.10
1,258.73
1,264.40
1,270.11
1,275.87
1,281.68
1,287.53

128,704.68
129,184.32
129,667.79
130,155.13
130,646.37
131,141.54
131,640.68
132,143.80
132,650.95
133,162.16
133,677.46
134,196.88
134,720.45
135,248.22
135,780.20
136,316.44
136,856.97
137,401.83
137,951.04
138,504.65
139,062.69
139,625.19
140,192.19
140,763.73
141,339.84
141,920.56
142,505.92
143,095.97
143,690.74
144,290.26
144,894.59
145,503.74
146,117.77
146,736.72
147,360.61
147,989.49
148,623.41
149,262.40
149,906.50
150,555.75
151,210.19
151,869.88
152,534.84
153,205.11
153,880.76
154,561.80
155,248.30
155,940.28
156,637.80
157,340.91
158,049.63
158,764.03
159,484.14
160,210.02
160,941.70
161,679.23

1,293.43
1,299.38
1,305.38
1,311.42
1,317.51
1,323.65
1,329.84
1,336.08
1,342.37
1,348.71
1,355.10
1,361.54
1,368.03
1,374.57
1,381.17
1,387.82
1,394.52
1,401.28
1,408.09
1,414.95
1,421.87
1,428.85
1,435.88
1,442.97
1,450.11
1,457.31
1,464.57
1,471.88
1,479.26
1,486.69
1,494.19
1,501.74
1,509.36
1,517.03
1,524.77
1,532.56
1,540.42
1,548.35
1,556.33
1,564.39
1,572.50
1,580.68
1,588.93
1,597.24
1,605.62
1,614.06
1,622.57
1,631.15
1,639.80
1,648.52
1,657.31
1,666.17
1,675.10
1,684.10
1,693.17
1,702.32

162,422.66
163,172.05
163,927.42
164,688.84
165,456.35
166,230.00
167,009.84
167,795.92
168,588.29
169,386.99
170,192.09
171,003.63
171,821.66
172,646.23
173,477.40
174,315.22
175,159.74
176,011.02
176,869.11
177,734.06
178,605.93
179,484.78
180,370.66
181,263.62
182,163.73
183,071.04
183,985.61
184,907.50
185,836.75
186,773.45
187,717.64
188,669.38
189,628.73
190,595.76
191,570.53
192,553.09
193,543.52
194,541.87
195,548.20
196,562.59
197,585.09
198,615.77
199,654.69
200,701.93
201,757.55
202,821.61
203,894.18
204,975.33
206,065.14
207,163.66
208,270.97
209,387.13
210,512.23
211,646.33
212,789.50
213,941.82

eirama.com - 2007

1,711.53
1,720.83
1,730.19
1,739.63
1,749.15
1,758.75
1,768.42
1,778.16
1,787.99
1,797.89
1,807.87
1,817.94
1,828.08
1,838.31
1,848.61
1,859.00
1,869.47
1,880.03
1,890.67
1,901.39
1,912.21
1,923.10
1,934.09
1,945.16
1,956.32
1,967.57
1,978.91
1,990.34
2,001.87
2,013.48
2,025.19
2,036.99
2,048.89
2,060.88
2,072.97
2,085.15
2,097.43
2,109.81
2,122.29
2,134.87
2,147.55
2,160.33
2,173.21
2,186.19

215,103.35
216,274.18
217,454.37
218,644.01
219,843.16
221,051.90
222,270.32
223,498.48
224,736.47
225,984.36
227,242.24
228,510.17
229,788.25
231,076.56
232,375.17
233,684.17
235,003.65
236,333.68
237,674.35
239,025.74
240,387.95
241,761.05
243,145.14
244,540.30
245,946.62
247,364.20
248,793.11
250,233.45
251,685.32
253,148.80
254,623.99
256,110.99
257,609.87
259,120.75
260,643.72
262,178.87
263,726.30
265,286.11
266,858.40
268,443.27
270,040.81
271,651.14
273,274.35
274,910.54