Calculo Do Iof

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.
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
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
30
31
31
30
31
30
31
31
28
31
30
31
30
31
31
30
31
30
30
61
92
122
153
183
214
245
273
304
334
365
395
426
457
487
518
548
19
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
1/14/2014
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
31
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
579
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
48
49
50
51
52
53
54
55
56
57
58
59
60
6/14/2016
7/14/2016
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
30
31
31
30
31
30
31
31
28
31
30
31
1461
1491
1522
1553
1583
1614
1644
1675
1706
1734
1765
1795
1826
VALORES SIMULAO
Valor da parcela
R$ 495.63
IOF critrio Price
R$ 288.76
IOF critrio VP
R$ 267.56
Critrio VALOR PRESENTE
Juros per.
VP
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
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
IOF VP
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
2.46
3.01
3.54
4.02
4.50
4.94
5.37
5.78
6.12
6.49
6.82
7.16
7.00
6.84
6.69
6.54
6.39
6.25
Critrio PRI
Amort
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
130.78
121.56
124.43
139.38
130.65
145.54
137.17
140.41
178.14
147.93
162.65
155.26
169.91
162.93
166.78
181.32
174.99
189.45
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
0.02129
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
325.60283
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
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
6.11
5.97
5.84
5.71
5.58
5.46
5.34
5.22
5.10
4.99
4.88
4.77
4.66
4.56
4.45
4.35
4.26
4.16
4.07
3.98
3.89
3.80
3.72
3.64
3.55
3.47
3.40
3.32
3.25
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
183.60
187.93
222.02
197.61
211.84
207.27
221.41
217.39
222.52
236.51
233.35
247.24
244.69
250.47
279.78
262.98
276.58
275.72
289.19
289.05
295.87
309.15
310.15
323.29
325.10
332.78
350.74
348.91
361.66
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
169.18555
165.40894
161.71662
158.10673
154.57742
151.12689
147.75338
144.45518
141.23061
138.07801
134.99579
131.98236
129.03621
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
3.17
3.10
3.03
2.97
2.90
2.84
2.77
2.71
2.65
2.59
2.53
2.48
2.42
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
365.68
378.27
383.24
392.28
404.61
411.09
423.24
430.79
440.95
455.69
462.11
473.76
484.20
Critrio PRICE
Saldo
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
15,980.00
15,849.22
15,727.67
15,603.24
15,463.86
15,333.21
15,187.66
15,050.49
14,910.08
14,731.94
14,584.01
14,421.36
14,266.10
14,096.19
13,933.26
13,766.48
13,585.17
13,410.17
13,220.72
IOF Price
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
0.66
0.77
0.94
1.23
1.32
1.65
1.72
1.94
2.67
2.41
2.85
2.91
3.19
3.06
3.13
3.40
3.28
3.56
R$ 13,037.12
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$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
3.45
3.53
4.17
3.71
3.98
3.89
4.15
4.08
4.18
4.44
4.38
4.64
4.59
4.70
5.25
4.93
5.19
5.17
5.43
5.42
5.55
5.80
5.82
6.07
6.10
6.24
6.58
6.55
6.79
R$ 5,140.24
R$ 4,761.97
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$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
6.86
7.10
7.19
7.36
7.59
7.71
7.94
8.08
8.27
8.55
8.67
8.89
9.09
VALORES REAIS
Valor Financiado
12,884.27
Taxas
N. parcelas
taxa de juros
Valor da parcela
IOF TOTAL COBRADO
CET
60
1.20000%
R$ 405.73
R$ 233.36
15.38900%
Data
DC
Dias acum.
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
1/11/2008
2/11/2008
3/11/2008
4/11/2008
5/11/2008
6/11/2008
7/11/2008
8/11/2008
9/11/2008
10/11/2008
11/11/2008
12/11/2008
1/11/2009
2/11/2009
3/11/2009
4/11/2009
5/11/2009
6/11/2009
7/11/2009
8/11/2009
9/11/2009
10/11/2009
11/11/2009
12/11/2009
31
29
31
30
31
30
31
31
30
31
30
31
31
28
31
30
31
30
31
31
30
31
30
31
60
91
121
152
182
213
244
274
305
335
366
397
425
456
486
517
547
578
609
639
670
700
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
56
57
1/11/2010
2/11/2010
3/11/2010
4/11/2010
5/11/2010
6/11/2010
7/11/2010
8/11/2010
9/11/2010
10/11/2010
11/11/2010
12/11/2010
1/11/2011
2/11/2011
3/11/2011
4/11/2011
5/11/2011
6/11/2011
7/11/2011
8/11/2011
9/11/2011
10/11/2011
11/11/2011
12/11/2011
1/11/2012
2/11/2012
3/11/2012
4/11/2012
5/11/2012
6/11/2012
7/11/2012
8/11/2012
9/11/2012
10/11/2012
31
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
31
31
30
731
762
790
821
851
882
912
943
974
1004
1035
1065
1096
1127
1155
1186
1216
1247
1277
1308
1339
1369
1400
1430
1461
1492
1521
1552
1582
1613
1643
1674
1705
1735
58
59
60
11/11/2012
12/11/2012
1/11/2013
31
30
31
1766
1796
1827
VALORES SIMULAO
Valor da parcela
R$ 302.47
IOF Price
R$ 231.07
IOF VP
R$ 292.59
Juros per.
VP
0.01240
0.01160
0.01240
0.01200
0.01240
0.01200
0.01240
0.01240
0.01200
0.01240
0.01200
0.01240
0.01240
0.01120
0.01240
0.01200
0.01240
0.01200
0.01240
0.01240
0.01200
0.01240
0.01200
400.91897
396.16499
391.46738
386.82548
382.23861
377.70614
373.22741
368.80179
364.42865
360.10736
355.83731
351.61790
347.44851
343.32857
339.25748
335.23467
331.25955
327.33157
323.45017
319.61479
315.82489
312.07993
308.37938
IOF VP
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
2.03
2.48
2.95
3.39
3.83
4.25
4.68
5.09
5.48
5.87
6.24
6.60
6.52
6.44
6.37
6.29
6.22
6.14
6.07
6.00
5.93
5.86
5.79
Critrio PR
Amort
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
142.68
154.70
146.36
153.19
150.08
156.83
153.89
155.79
162.42
159.74
166.29
163.78
165.82
180.97
170.12
176.45
174.42
180.66
178.82
181.04
187.15
185.60
191.62
0.01240
0.01240
0.01120
0.01240
0.01200
0.01240
0.01200
0.01240
0.01240
0.01200
0.01240
0.01200
0.01240
0.01240
0.01120
0.01240
0.01200
0.01240
0.01200
0.01240
0.01240
0.01200
0.01240
0.01200
0.01240
0.01240
0.01160
0.01240
0.01200
0.01240
0.01200
0.01240
0.01240
0.01200
304.72271
301.10940
297.53893
294.01080
290.52451
287.07955
283.67545
280.31171
276.98785
273.70341
270.45792
267.25090
264.08192
260.95052
257.85624
254.79866
251.77733
248.79183
245.84173
242.92661
240.04605
237.19966
234.38701
231.60772
228.86138
226.14761
223.46602
220.81623
218.19785
215.61053
213.05388
210.52755
208.03117
205.56440
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
5.72
5.65
5.58
5.52
5.45
5.39
5.32
5.26
5.20
5.14
5.08
5.01
4.96
4.90
4.84
4.78
4.72
4.67
4.61
4.56
4.50
4.45
4.40
4.35
4.29
4.24
4.19
4.14
4.09
4.05
4.00
3.95
3.90
3.86
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
190.28
192.64
205.49
197.58
203.35
202.55
208.23
207.65
210.22
215.74
215.51
220.91
220.92
223.66
233.83
229.33
234.46
235.08
240.09
240.98
243.97
248.79
250.08
254.78
256.34
259.52
265.32
266.03
270.40
272.68
276.92
279.50
282.96
286.99
0.01240
0.01200
0.01240
203.12688
200.71826
198.33820
R$ 3.81
R$ 3.77
R$ 3.72
R$ 290.03
R$ 293.92
R$ 297.27
Critrio PRICE
Saldo
R$ 12,884.27
R$ 12,741.59
R$ 12,586.89
R$ 12,440.53
R$ 12,287.34
R$ 12,137.26
R$ 11,980.44
R$ 11,826.55
R$ 11,670.76
R$ 11,508.33
R$ 11,348.59
R$ 11,182.30
R$ 11,018.52
R$ 10,852.70
R$ 10,671.73
R$ 10,501.61
R$ 10,325.16
R$ 10,150.74
R$ 9,970.08
R$ 9,791.26
R$ 9,610.22
R$ 9,423.07
R$ 9,237.47
R$ 9,045.85
IOF Price
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
0.72
0.97
1.10
1.34
1.51
1.77
1.93
2.15
2.44
2.60
2.92
3.07
3.11
3.40
3.19
3.31
3.27
3.39
3.36
3.40
3.51
3.48
3.60
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
8,855.56
8,662.92
8,457.43
8,259.85
8,056.50
7,853.95
7,645.72
7,438.07
7,227.85
7,012.11
6,796.61
6,575.69
6,354.78
6,131.12
5,897.29
5,667.95
5,433.50
5,198.41
4,958.32
4,717.34
4,473.38
4,224.58
3,974.51
3,719.73
3,463.39
3,203.87
2,938.55
2,672.53
2,402.12
2,129.44
1,852.52
1,573.03
1,290.06
1,003.07
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
3.57
3.61
3.86
3.71
3.82
3.80
3.91
3.90
3.94
4.05
4.04
4.15
4.15
4.20
4.39
4.30
4.40
4.41
4.51
4.52
4.58
4.67
4.69
4.78
4.81
4.87
4.98
4.99
5.07
5.12
5.20
5.24
5.31
5.39
R$ 713.04
R$ 419.12
R$ 121.85
R$ 5.44
R$ 5.52
R$ 5.58
VALORES REAIS
Valor Financiado
15,500.00
Taxas
N. parcelas
taxa de juros
Valor da parcela
IOF TOTAL COBRADO
CET
72
1.90000%
R$ 396.85
R$ 518.70
25.34000%
Data
DC
Dias acum.
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
1/11/2008
2/11/2008
3/11/2008
4/11/2008
5/11/2008
6/11/2008
7/11/2008
8/11/2008
9/11/2008
10/11/2008
11/11/2008
12/11/2008
1/11/2009
2/11/2009
3/11/2009
4/11/2009
5/11/2009
6/11/2009
7/11/2009
8/11/2009
9/11/2009
10/11/2009
11/11/2009
12/11/2009
31
29
31
30
31
30
31
31
30
31
30
31
31
28
31
30
31
30
31
31
30
31
30
31
60
91
121
152
182
213
244
274
305
335
366
397
425
456
486
517
547
578
609
639
670
700
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
56
57
1/11/2010
2/11/2010
3/11/2010
4/11/2010
5/11/2010
6/11/2010
7/11/2010
8/11/2010
9/11/2010
10/11/2010
11/11/2010
12/11/2010
1/11/2011
2/11/2011
3/11/2011
4/11/2011
5/11/2011
6/11/2011
7/11/2011
8/11/2011
9/11/2011
10/11/2011
11/11/2011
12/11/2011
1/11/2012
2/11/2012
3/11/2012
4/11/2012
5/11/2012
6/11/2012
7/11/2012
8/11/2012
9/11/2012
10/11/2012
31
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
31
31
30
731
762
790
821
851
882
912
943
974
1004
1035
1065
1096
1127
1155
1186
1216
1247
1277
1308
1339
1369
1400
1430
1461
1492
1521
1552
1582
1613
1643
1674
1705
1735
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
11/11/2012
12/11/2012
1/11/2013
2/11/2013
3/11/2013
4/11/2013
5/11/2013
6/11/2013
7/11/2013
8/11/2013
9/11/2013
10/11/2013
11/11/2013
12/11/2013
1/11/2014
31
30
31
31
28
31
30
31
30
31
31
30
31
30
31
1766
1796
1827
1858
1886
1917
1947
1978
2008
2039
2070
2100
2131
2161
2192
VALORES SIMULAO
Valor da parcela
R$ 396.85
IOF Price
R$ 198.59
IOF VP
R$ 462.54
Critrio PR
Juros per.
VP
IOF VP
Amort
0.01964
0.01836
0.01964
0.01900
0.01964
0.01900
0.01964
0.01964
0.01900
0.01964
0.01900
0.01964
0.01964
0.01772
0.01964
0.01900
0.01964
0.01900
0.01964
0.01964
0.01900
0.01964
0.01900
389.45044
382.18885
375.06266
368.06935
361.20642
354.47147
347.86209
341.37594
335.01074
328.76422
322.63417
316.61842
310.71484
304.92133
299.23585
293.65638
288.18094
282.80760
277.53444
272.35961
267.28127
262.29761
257.40688
R$ 2.47
R$ 3.33
R$ 4.22
R$ 5.05
R$ 5.87
R$ 6.64
R$ 7.40
R$ 8.13
R$ 8.80
R$ 9.47
R$ 10.09
R$ 10.68
R$ 10.48
R$ 10.28
R$ 10.09
R$ 9.91
R$ 9.72
R$ 9.54
R$ 9.36
R$ 9.19
R$ 9.02
R$ 8.85
R$ 8.68
R$ 92.44
R$ 113.95
R$ 96.49
R$ 108.10
R$ 100.51
R$ 112.07
R$ 104.68
R$ 106.74
R$ 118.21
R$ 111.16
R$ 122.57
R$ 115.75
R$ 118.02
R$ 147.33
R$ 123.23
R$ 134.48
R$ 128.29
R$ 139.48
R$ 133.55
R$ 136.18
R$ 147.25
R$ 141.74
R$ 152.74
0.01964
0.01964
0.01772
0.01964
0.01900
0.01964
0.01900
0.01964
0.01964
0.01900
0.01964
0.01900
0.01964
0.01964
0.01772
0.01964
0.01900
0.01964
0.01900
0.01964
0.01964
0.01900
0.01964
0.01900
0.01964
0.01964
0.01836
0.01964
0.01900
0.01964
0.01900
0.01964
0.01964
0.01900
252.60734
247.89729
243.27507
238.73903
234.28756
229.91910
225.63209
221.42501
217.29638
213.24473
209.26863
205.36666
201.53745
197.77964
194.09189
190.47291
186.92140
183.43611
180.01581
176.65929
173.36535
170.13282
166.96057
163.84747
160.79241
157.79432
154.85213
151.96480
149.13130
146.35064
143.62183
140.94389
138.31589
135.73689
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
8.52
8.36
8.21
8.05
7.90
7.76
7.61
7.47
7.33
7.19
7.06
6.93
6.80
6.67
6.55
6.42
6.30
6.19
6.07
5.96
5.85
5.74
5.63
5.53
5.42
5.32
5.22
5.13
5.03
4.94
4.84
4.75
4.67
4.58
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
147.52
150.42
177.15
156.86
167.65
163.23
173.94
169.85
173.19
183.76
180.20
190.67
187.48
191.16
214.63
199.13
209.35
207.15
217.27
215.49
219.72
229.66
228.55
238.37
237.72
242.39
256.89
252.19
261.69
262.28
271.65
272.77
278.13
287.28
0.01964
0.01900
0.01964
0.01964
0.01772
0.01964
0.01900
0.01964
0.01900
0.01964
0.01964
0.01900
0.01964
0.01900
0.01964
133.20598
130.72225
128.28484
125.89288
123.54551
121.24192
118.98127
116.76278
114.58565
112.44912
110.35242
108.29482
106.27558
104.29400
102.34936
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
4.49
4.41
4.33
4.25
4.17
4.09
4.01
3.94
3.86
3.79
3.72
3.65
3.58
3.52
3.45
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
289.23
298.23
300.77
306.68
320.91
319.00
327.60
331.70
340.12
344.90
351.67
359.82
365.64
373.61
380.16
Critrio PRICE
Saldo
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
15,500.00
15,407.56
15,293.61
15,197.12
15,089.02
14,988.51
14,876.44
14,771.76
14,665.02
14,546.81
14,435.65
14,313.08
14,197.33
14,079.31
13,931.98
13,808.74
13,674.26
13,545.97
13,406.49
13,272.94
13,136.76
12,989.51
12,847.77
12,695.03
IOF Price
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
0.47
0.71
0.73
0.95
1.01
1.26
1.31
1.47
1.78
1.81
2.15
2.17
2.21
2.76
2.31
2.52
2.41
2.62
2.51
2.56
2.76
2.66
2.87
R$ 12,547.51
R$ 12,397.08
R$ 12,219.94
R$ 12,063.08
R$ 11,895.43
R$ 11,732.20
R$ 11,558.27
R$ 11,388.42
R$ 11,215.23
R$ 11,031.47
R$ 10,851.27
R$ 10,660.60
R$ 10,473.12
R$ 10,281.96
R$ 10,067.32
R$ 9,868.19
R$ 9,658.84
R$ 9,451.69
R$ 9,234.42
R$ 9,018.93
R$ 8,799.21
R$ 8,569.54
R$ 8,341.00
R$ 8,102.63
R$ 7,864.91
R$ 7,622.52
R$ 7,365.63
R$ 7,113.44
R$ 6,851.74
R$ 6,589.46
R$ 6,317.81
R$ 6,045.04
R$ 5,766.91
R$ 5,479.63
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
2.77
2.82
3.32
2.94
3.15
3.06
3.26
3.19
3.25
3.45
3.38
3.58
3.52
3.59
4.03
3.74
3.93
3.89
4.08
4.04
4.12
4.31
4.29
4.47
4.46
4.55
4.82
4.73
4.91
4.92
5.10
5.12
5.22
5.39
R$ 5,190.40
R$ 4,892.17
R$ 4,591.40
R$ 4,284.72
R$ 3,963.81
R$ 3,644.81
R$ 3,317.21
R$ 2,985.51
R$ 2,645.39
R$ 2,300.49
R$ 1,948.82
R$ 1,589.00
R$ 1,223.36
R$ 849.75
R$ 469.59
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
5.43
5.60
5.64
5.75
6.02
5.99
6.15
6.22
6.38
6.47
6.60
6.75
6.86
7.01
7.13
CLCULO DO IOF PARA O CONTRATO: 13.0836.110.0004127-78 (I

DATA : 14/03/2013
VALORES REAIS
Valor Financiado
12,884.27
Taxas
N. parcelas
taxa de juros
Valor da parcela
IOF TOTAL COBRADO
CET
60
1.20000%
R$ 302.47
R$ 233.36
25.34000%
Data
DC
Dias acum.
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
1/11/2008
2/11/2008
3/11/2008
4/11/2008
5/11/2008
6/11/2008
7/11/2008
8/11/2008
9/11/2008
10/11/2008
11/11/2008
12/11/2008
1/11/2009
2/11/2009
3/11/2009
4/11/2009
5/11/2009
6/11/2009
7/11/2009
8/11/2009
9/11/2009
31
29
31
30
31
30
31
31
30
31
30
31
31
28
31
30
31
30
31
31
31
60
91
121
152
182
213
244
274
305
335
366
397
425
456
486
517
547
578
609
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
50
51
52
53
54
10/11/2009
11/11/2009
12/11/2009
1/11/2010
2/11/2010
3/11/2010
4/11/2010
5/11/2010
6/11/2010
7/11/2010
8/11/2010
9/11/2010
10/11/2010
11/11/2010
12/11/2010
1/11/2011
2/11/2011
3/11/2011
4/11/2011
5/11/2011
6/11/2011
7/11/2011
8/11/2011
9/11/2011
10/11/2011
11/11/2011
12/11/2011
1/11/2012
2/11/2012
3/11/2012
4/11/2012
5/11/2012
6/11/2012
7/11/2012
30
31
30
31
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
639
670
700
731
762
790
821
851
882
912
943
974
1004
1035
1065
1096
1127
1155
1186
1216
1247
1277
1308
1339
1369
1400
1430
1461
1492
1521
1552
1582
1613
1643
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
8/11/2012
9/11/2012
10/11/2012
11/11/2012
12/11/2012
1/11/2013
2/11/2013
3/11/2013
4/11/2013
5/11/2013
6/11/2013
7/11/2013
8/11/2013
9/11/2013
10/11/2013
11/11/2013
12/11/2013
1/11/2014
31
31
30
31
30
31
31
28
31
30
31
30
31
31
30
31
30
31
1674
1705
1735
1766
1796
1827
1858
1886
1917
1947
1978
2008
2039
2070
2100
2131
2161
2192
.0836.110.0004127-78 (INICIAL)
2013
VALORES SIMULAO
Valor da parcela
R$ 302.47
IOF Price
R$ 306.65
IOF VP
COBRADO
DIFERENA
R$ 248.96
R$ 518.70
R$ 269.74
Juros per.
VP
0.01240
0.01160
0.01240
0.01200
0.01240
0.01200
0.01240
0.01240
0.01200
0.01240
0.01200
0.01240
0.01240
0.01120
0.01240
0.01200
0.01240
0.01200
0.01240
0.01240
298.88340
295.33933
291.83728
288.37676
284.95727
281.57833
278.23946
274.94018
271.68002
268.45851
265.27521
262.12966
259.02140
255.95000
252.91502
249.91603
246.95259
244.02430
241.13073
238.27148
IOF VP
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
1.52
1.85
2.20
2.53
2.86
3.17
3.49
3.80
4.08
4.38
4.65
4.92
4.86
4.80
4.75
4.69
4.63
4.58
4.52
4.47
Critrio PR
Amort
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
142.68
154.70
146.36
153.19
150.08
156.83
153.89
155.79
162.42
159.74
166.29
163.78
165.82
180.97
170.12
176.45
174.42
180.66
178.82
181.04
0.01200
0.01240
0.01200
0.01240
0.01240
0.01120
0.01240
0.01200
0.01240
0.01200
0.01240
0.01240
0.01200
0.01240
0.01200
0.01240
0.01240
0.01120
0.01240
0.01200
0.01240
0.01200
0.01240
0.01240
0.01200
0.01240
0.01200
0.01240
0.01240
0.01160
0.01240
0.01200
0.01240
0.01200
235.44612
232.65427
229.89553
227.16949
224.47578
221.81401
219.18381
216.58479
214.01659
211.47885
208.97119
206.49327
204.04474
201.62523
199.23442
196.87196
194.53751
192.23074
189.95132
187.69893
185.47325
183.27397
181.10076
178.95332
176.83134
174.73453
172.66258
170.61519
168.59209
166.59297
164.61756
162.66558
160.73674
158.83077
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
4.42
4.37
4.31
4.26
4.21
4.16
4.11
4.06
4.02
3.97
3.92
3.87
3.83
3.78
3.74
3.69
3.65
3.61
3.56
3.52
3.48
3.44
3.40
3.36
3.32
3.28
3.24
3.20
3.16
3.13
3.09
3.05
3.02
2.98
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
187.15
185.60
191.62
190.28
192.64
205.49
197.58
203.35
202.55
208.23
207.65
210.22
215.74
215.51
220.91
220.92
223.66
233.83
229.33
234.46
235.08
240.09
240.98
243.97
248.79
250.08
254.78
256.34
259.52
265.32
266.03
270.40
272.68
276.92
0.01240
0.01240
0.01200
0.01240
0.01200
0.01240
0.01240
0.01120
0.01240
0.01200
0.01240
0.01200
0.01240
0.01240
0.01200
0.01240
0.01200
0.01240
156.94740
155.08636
153.24739
151.43023
149.63461
147.86029
146.10701
144.37451
142.66256
140.97091
139.29932
137.64755
136.01536
134.40253
132.80883
131.23402
129.67788
128.14020
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
2.95
2.91
2.88
2.84
2.81
2.77
2.74
2.71
2.68
2.65
2.61
2.58
2.55
2.52
2.49
2.46
2.43
2.40
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
279.50
282.96
286.99
290.03
293.92
297.27
300.96
304.48
308.47
311.98
316.17
319.52
324.05
328.07
331.18
336.25
339.18
344.62
Critrio PRICE
Saldo
R$ 12,884.27
R$ 12,741.59
R$ 12,586.89
R$ 12,440.53
R$ 12,287.34
R$ 12,137.26
R$ 11,980.44
R$ 11,826.55
R$ 11,670.76
R$ 11,508.33
R$ 11,348.59
R$ 11,182.30
R$ 11,018.52
R$ 10,852.70
R$ 10,671.73
R$ 10,501.61
R$ 10,325.16
R$ 10,150.74
R$ 9,970.08
R$ 9,791.26
R$ 9,610.22
IOF Price
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
0.72
0.97
1.10
1.34
1.51
1.77
1.93
2.15
2.44
2.60
2.92
3.07
3.11
3.40
3.19
3.31
3.27
3.39
3.36
3.40
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
9,423.07
9,237.47
9,045.85
8,855.56
8,662.92
8,457.43
8,259.85
8,056.50
7,853.95
7,645.72
7,438.07
7,227.85
7,012.11
6,796.61
6,575.69
6,354.78
6,131.12
5,897.29
5,667.95
5,433.50
5,198.41
4,958.32
4,717.34
4,473.38
4,224.58
3,974.51
3,719.73
3,463.39
3,203.87
2,938.55
2,672.53
2,402.12
2,129.44
1,852.52
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
3.51
3.48
3.60
3.57
3.61
3.86
3.71
3.82
3.80
3.91
3.90
3.94
4.05
4.04
4.15
4.15
4.20
4.39
4.30
4.40
4.41
4.51
4.52
4.58
4.67
4.69
4.78
4.81
4.87
4.98
4.99
5.07
5.12
5.20
R$ 1,573.03
R$ 1,290.06
R$ 1,003.07
R$ 713.04
R$ 419.12
R$ 121.85
-R$ 179.12
-R$ 483.59
-R$ 792.06
-R$ 1,104.04
-R$ 1,420.21
-R$ 1,739.72
-R$ 2,063.77
-R$ 2,391.84
-R$ 2,723.02
-R$ 3,059.26
-R$ 3,398.45
-R$ 3,743.07
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
5.24
5.31
5.39
5.44
5.52
5.58
5.65
5.71
5.79
5.85
5.93
6.00
6.08
6.16
6.21
6.31
6.36
6.47
CLCULO DO IOF PARA O CONTRATO: 13.0836.110.0004127-78 (INICIAL)

DATA : 13/07/2016
VALORES REAIS
Vlr Financiado IOF
VALORES SIMULAO
3,069.48
Valor da parcela
Taxas
N. parcelas
67
R$ 76.47
IOF Price
R$ 100.28
IOF VP
R$ 91.85
taxa de juros
1.67000%
COBRADO
R$ 147.29
Valor da parcela
R$ 76.47
DIFERENA
R$ 47.01
IOF T COBRADO
R$ 147.29
CET
21.98700%
VALOR FINANCIADO REAL
R$
3,116.49

N
Data
7/13/2016
Critrio PRI
DC
Dias acum.
Juros per.
VP
IOF VP
Amort
8/13/2016
31
31
0.01726
75.21393
R$ 0.48
R$ 23.49
9/13/2016
31
62
0.01726
73.97849
R$ 0.66
R$ 23.89
10/13/2016
30
92
0.01670
72.76334
R$ 0.83
R$ 26.00
11/13/2016
31
123
0.01726
71.56815
R$ 0.99
R$ 24.75
12/13/2016
30
153
0.01670
70.39259
R$ 1.15
R$ 26.85
1/13/2017
31
184
0.01726
69.23635
R$ 1.31
R$ 25.64
2/13/2017
31
215
0.01726
68.09909
R$ 1.46
R$ 26.09
3/13/2017
28
243
0.01558
66.98052
R$ 1.59
R$ 31.41
4/13/2017
31
274
0.01726
65.88032
R$ 1.73
R$ 27.08
10
5/13/2017
30
304
0.01670
64.79819
R$ 1.86
R$ 29.14
11
6/13/2017
31
335
0.01726
63.73383
R$ 1.99
R$ 28.05
12
7/13/2017
30
365
0.01670
62.68696
R$ 2.11
R$ 30.09
13
8/13/2017
31
396
0.01726
61.65728
R$ 2.08
R$ 29.05
14
9/13/2017
31
427
0.01726
60.64452
R$ 2.05
R$ 29.55
15
10/13/2017
30
457
0.01670
59.64839
R$ 2.01
R$ 31.57
16
11/13/2017
31
488
0.01726
58.66863
R$ 1.98
R$ 30.61
17
12/13/2017
30
518
0.01670
57.70495
R$ 1.95
R$ 32.61
18
1/13/2018
31
549
0.01726
56.75711
R$ 1.91
R$ 31.70
19
2/13/2018
31
580
0.01726
55.82483
R$ 1.88
R$ 32.25
20
3/13/2018
28
608
0.01558
54.90787
R$ 1.85
R$ 37.06
21
4/13/2018
31
639
0.01726
54.00597
R$ 1.82
R$ 33.44
22
5/13/2018
30
669
0.01670
53.11889
R$ 1.79
R$ 35.40
23
6/13/2018
31
700
0.01726
52.24637
R$ 1.76
R$ 34.63
24
7/13/2018
30
730
0.01670
51.38819
R$ 1.73
R$ 36.57
25
8/13/2018
31
761
0.01726
50.54410
R$ 1.70
R$ 35.86
26
9/13/2018
31
792
0.01726
49.71388
R$ 1.68
R$ 36.48
27
10/13/2018
30
822
0.01670
48.89730
R$ 1.65
R$ 38.39
28
11/13/2018
31
853
0.01726
48.09413
R$ 1.62
R$ 37.77
29
12/13/2018
30
883
0.01670
47.30415
R$ 1.60
R$ 39.66
30
1/13/2019
31
914
0.01726
46.52714
R$ 1.57
R$ 39.11
31
2/13/2019
31
945
0.01726
45.76290
R$ 1.54
R$ 39.79
32
3/13/2019
28
973
0.01558
45.01122
R$ 1.52
R$ 43.98
33
4/13/2019
31
1004
0.01726
44.27187
R$ 1.49
R$ 41.23
34
5/13/2019
30
1034
0.01670
43.54468
R$ 1.47
R$ 43.07
35
6/13/2019
31
1065
0.01726
42.82943
R$ 1.44
R$ 42.69
36
7/13/2019
30
1095
0.01670
42.12592
R$ 1.42
R$ 44.50
37
8/13/2019
31
1126
0.01726
41.43398
R$ 1.40
R$ 44.19
38
9/13/2019
31
1157
0.01726
40.75340
R$ 1.37
R$ 44.95
39
10/13/2019
30
1187
0.01670
40.08399
R$ 1.35
R$ 46.73
40
11/13/2019
31
1218
0.01726
39.42559
R$ 1.33
R$ 46.54
41
12/13/2019
30
1248
0.01670
38.77799
R$ 1.31
R$ 48.29
42
1/13/2020
31
1279
0.01726
38.14104
R$ 1.29
R$ 48.17
43
2/13/2020
31
1310
0.01726
37.51454
R$ 1.27
R$ 49.01
44
3/13/2020
29
1339
0.01614
36.89834
R$ 1.24
R$ 51.58
45
4/13/2020
31
1370
0.01726
36.29226
R$ 1.22
R$ 50.74
46
5/13/2020
30
1400
0.01670
35.69614
R$ 1.20
R$ 52.43
47
6/13/2020
31
1431
0.01726
35.10980
R$ 1.18
R$ 52.52
48
7/13/2020
30
1461
0.01670
34.53310
R$ 1.16
R$ 54.18
49
8/13/2020
31
1492
0.01726
33.96587
R$ 1.15
R$ 54.36
50
9/13/2020
31
1523
0.01726
33.40796
R$ 1.13
R$ 55.30
51
10/13/2020
30
1553
0.01670
32.85921
R$ 1.11
R$ 56.91
52
11/13/2020
31
1584
0.01726
32.31947
R$ 1.09
R$ 57.24
53
12/13/2020
30
1614
0.01670
31.78860
R$ 1.07
R$ 58.82
54
1/13/2021
31
1645
0.01726
31.26645
R$ 1.05
R$ 59.24
55
2/13/2021
31
1676
0.01726
30.75288
R$ 1.04
R$ 60.27
56
3/13/2021
28
1704
0.01558
30.24774
R$ 1.02
R$ 62.78
57
4/13/2021
31
1735
0.01726
29.75090
R$ 1.00
R$ 62.39
58
5/13/2021
30
1765
0.01670
29.26222
R$ 0.99
R$ 63.89
59
6/13/2021
31
1796
0.01726
28.78157
R$ 0.97
R$ 64.57
60
7/13/2021
30
1826
0.01670
28.30881
R$ 0.95
R$ 66.03
61
8/13/2021
31
1857
0.01726
27.84382
R$ 0.94
R$ 66.82
62
9/13/2021
31
1888
0.01726
27.38647
R$ 0.92
R$ 67.98
63
10/13/2021
30
1918
0.01670
26.93663
R$ 0.91
R$ 69.39
64
11/13/2021
31
1949
0.01726
26.49417
R$ 0.89
R$ 70.35
65
12/13/2021
30
1979
0.01670
26.05899
R$ 0.88
R$ 71.72
66
1/13/2022
31
2010
0.01726
25.63095
R$ 0.86
R$ 72.80
67
2/13/2022
31
2041
0.01726
25.20995
R$ 0.85
R$ 74.06
Critrio PRICE
Saldo
IOF Price
R$ 3,069.48
R$ 3,045.99
R$ 0.15
R$ 3,022.10
R$ 0.21
R$ 2,996.10
R$ 0.29
R$ 2,971.35
R$ 0.34
R$ 2,944.50
R$ 0.44
R$ 2,918.85
R$ 0.48
R$ 2,892.77
R$ 0.56
R$ 2,861.36
R$ 0.75
R$ 2,834.28
R$ 0.71
R$ 2,805.14
R$ 0.84
R$ 2,777.09
R$ 0.88
R$ 2,747.00
R$ 1.02
R$ 2,717.95
R$ 0.98
R$ 2,688.39
R$ 1.00
R$ 2,656.82
R$ 1.06
R$ 2,626.21
R$ 1.03
R$ 2,593.60
R$ 1.10
R$ 2,561.89
R$ 1.07
R$ 2,529.65
R$ 1.09
R$ 2,492.58
R$ 1.25
R$ 2,459.14
R$ 1.13
R$ 2,423.73
R$ 1.19
R$ 2,389.10
R$ 1.17
R$ 2,352.53
R$ 1.23
R$ 2,316.67
R$ 1.21
R$ 2,280.19
R$ 1.23
R$ 2,241.79
R$ 1.29
R$ 2,204.02
R$ 1.27
R$ 2,164.36
R$ 1.34
R$ 2,125.25
R$ 1.32
R$ 2,085.46
R$ 1.34
R$ 2,041.48
R$ 1.48
R$ 2,000.25
R$ 1.39
R$ 1,957.18
R$ 1.45
R$ 1,914.49
R$ 1.44
R$ 1,870.00
R$ 1.50
R$ 1,825.80
R$ 1.49
R$ 1,780.85
R$ 1.52
R$ 1,734.12
R$ 1.58
R$ 1,687.58
R$ 1.57
R$ 1,639.29
R$ 1.63
R$ 1,591.12
R$ 1.62
R$ 1,542.12
R$ 1.65
R$ 1,490.53
R$ 1.74
R$ 1,439.79
R$ 1.71
R$ 1,387.37
R$ 1.77
R$ 1,334.84
R$ 1.77
R$ 1,280.66
R$ 1.83
R$ 1,226.30
R$ 1.83
R$ 1,171.00
R$ 1.87
R$ 1,114.08
R$ 1.92
R$ 1,056.84
R$ 1.93
R$ 998.02
R$ 1.98
R$ 938.78
R$ 2.00
R$ 878.51
R$ 2.03
R$ 815.73
R$ 2.12
R$ 753.34
R$ 2.10
R$ 689.45
R$ 2.15
R$ 624.88
R$ 2.18
R$ 558.84
R$ 2.23
R$ 492.02
R$ 2.25
R$ 424.04
R$ 2.29
R$ 354.65
R$ 2.34
R$ 284.31
R$ 2.37
R$ 212.58
R$ 2.42
R$ 139.78
R$ 2.46
R$ 65.72
R$ 2.50

DATA : 14/03/2013
VALORES REAIS
VALORES SIMULAO
Vlr Financiado IOF
6,469.51
Valor da parcela
Taxas
N. parcelas
60
R$ 151.88
IOF Price
R$ 76.21
IOF VP
R$ 86.78
taxa de juros
1.20000%
COBRADO
R$ 117.95
Valor da parcela
R$ 151.88
DIFERENA
R$ 41.74
IOF T COBRADO
R$ 117.95
CET
15.38900%
R$
6,511.25

N
Data
1/11/2008
Critrio PRI
DC
Dias acum.
Juros per.
VP
IOF VP
Amort
2/11/2008
31
31
0.01240
150.07905
R$ 0.76
R$ 71.64
3/11/2008
29
60
0.01160
148.29946
R$ 0.93
R$ 77.68
4/11/2008
31
91
0.01240
146.54097
R$ 1.10
R$ 73.49
5/11/2008
30
121
0.01200
144.80333
R$ 1.27
R$ 76.92
6/11/2008
31
152
0.01240
143.08629
R$ 1.44
R$ 75.36
7/11/2008
30
182
0.01200
141.38962
R$ 1.59
R$ 78.75
8/11/2008
31
213
0.01240
139.71306
R$ 1.75
R$ 77.27
9/11/2008
31
244
0.01240
138.05638
R$ 1.91
R$ 78.23
10/11/2008
30
274
0.01200
136.41935
R$ 2.05
R$ 81.56
10
11/11/2008
31
305
0.01240
134.80173
R$ 2.20
R$ 80.21
11
12/11/2008
30
335
0.01200
133.20329
R$ 2.34
R$ 83.50
12
1/11/2009
31
366
0.01240
131.62380
R$ 2.47
R$ 82.24
13
2/11/2009
31
397
0.01240
130.06305
R$ 2.44
R$ 83.26
14
3/11/2009
28
425
0.01120
128.52080
R$ 2.41
R$ 90.87
15
4/11/2009
31
456
0.01240
126.99684
R$ 2.38
R$ 85.42
16
5/11/2009
30
486
0.01200
125.49094
R$ 2.35
R$ 88.60
17
6/11/2009
31
517
0.01240
124.00291
R$ 2.33
R$ 87.58
18
7/11/2009
30
547
0.01200
122.53252
R$ 2.30
R$ 90.72
19
8/11/2009
31
578
0.01240
121.07956
R$ 2.27
R$ 89.79
20
9/11/2009
31
609
0.01240
119.64384
R$ 2.25
R$ 90.90
21
10/11/2009
30
639
0.01200
118.22514
R$ 2.22
R$ 93.97
22
11/11/2009
31
670
0.01240
116.82326
R$ 2.19
R$ 93.20
23
12/11/2009
30
700
0.01200
115.43800
R$ 2.17
R$ 96.22
24
1/11/2010
31
731
0.01240
114.06917
R$ 2.14
R$ 95.55
25
2/11/2010
31
762
0.01240
112.71657
R$ 2.12
R$ 96.73
26
3/11/2010
28
790
0.01120
111.38001
R$ 2.09
R$ 103.18
27
4/11/2010
31
821
0.01240
110.05930
R$ 2.07
R$ 99.21
28
5/11/2010
30
851
0.01200
108.75425
R$ 2.04
R$ 102.11
29
6/11/2010
31
882
0.01240
107.46467
R$ 2.02
R$ 101.71
30
7/11/2010
30
912
0.01200
106.19039
R$ 1.99
R$ 104.56
31
8/11/2010
31
943
0.01240
104.93121
R$ 1.97
R$ 104.26
32
9/11/2010
31
974
0.01240
103.68697
R$ 1.95
R$ 105.56
33
10/11/2010
30
1004
0.01200
102.45748
R$ 1.92
R$ 108.33
34
11/11/2010
31
1035
0.01240
101.24257
R$ 1.90
R$ 108.21
35
12/11/2010
30
1065
0.01200
100.04207
R$ 1.88
R$ 110.93
36
1/11/2011
31
1096
0.01240
98.85580
R$ 1.86
R$ 110.93
37
2/11/2011
31
1127
0.01240
97.68359
R$ 1.83
R$ 112.30
38
3/11/2011
28
1155
0.01120
96.52529
R$ 1.81
R$ 117.41
39
4/11/2011
31
1186
0.01240
95.38072
R$ 1.79
R$ 115.15
40
5/11/2011
30
1216
0.01200
94.24972
R$ 1.77
R$ 117.73
41
6/11/2011
31
1247
0.01240
93.13214
R$ 1.75
R$ 118.04
42
7/11/2011
30
1277
0.01200
92.02780
R$ 1.73
R$ 120.56
43
8/11/2011
31
1308
0.01240
90.93657
R$ 1.71
R$ 121.00
44
9/11/2011
31
1339
0.01240
89.85827
R$ 1.69
R$ 122.50
45
10/11/2011
30
1369
0.01200
88.79275
R$ 1.67
R$ 124.92
Critrio PRICE
Saldo
IOF Price
R$ 6,469.51
R$ 6,397.87
R$ 0.36
R$ 6,320.19
R$ 0.49
R$ 6,246.70
R$ 0.55
R$ 6,169.78
R$ 0.67
R$ 6,094.42
R$ 0.76
R$ 6,015.67
R$ 0.89
R$ 5,938.40
R$ 0.97
R$ 5,860.18
R$ 1.08
R$ 5,778.62
R$ 1.23
R$ 5,698.41
R$ 1.31
R$ 5,614.91
R$ 1.46
R$ 5,532.67
R$ 1.54
R$ 5,449.41
R$ 1.56
R$ 5,358.54
R$ 1.71
R$ 5,273.12
R$ 1.60
R$ 5,184.52
R$ 1.66
R$ 5,096.94
R$ 1.64
R$ 5,006.22
R$ 1.70
R$ 4,916.43
R$ 1.68
R$ 4,825.53
R$ 1.71
R$ 4,731.56
R$ 1.76
R$ 4,638.36
R$ 1.75
R$ 4,542.14
R$ 1.81
R$ 4,446.60
R$ 1.79
R$ 4,349.87
R$ 1.82
R$ 4,246.69
R$ 1.94
R$ 4,147.48
R$ 1.86
R$ 4,045.37
R$ 1.92
R$ 3,943.66
R$ 1.91
R$ 3,839.11
R$ 1.96
R$ 3,734.84
R$ 1.96
R$ 3,629.28
R$ 1.98
R$ 3,520.95
R$ 2.03
R$ 3,412.74
R$ 2.03
R$ 3,301.82
R$ 2.08
R$ 3,190.89
R$ 2.08
R$ 3,078.59
R$ 2.11
R$ 2,961.17
R$ 2.20
R$ 2,846.02
R$ 2.16
R$ 2,728.29
R$ 2.21
R$ 2,610.25
R$ 2.22
R$ 2,489.69
R$ 2.26
R$ 2,368.69
R$ 2.27
R$ 2,246.19
R$ 2.30
R$ 2,121.27
R$ 2.34

DATA : 11/01/2008
VALORES REAIS
Vlr Financiado IOF
VALORES SIMULAO
14,981.30
Valor da parcela
Taxas
N. parcelas
72
R$ 383.57
IOF Price
R$ 269.02
IOF VP
R$ 251.99
taxa de juros
1.90000%
COBRADO
R$ 518.70
Valor da parcela
R$ 383.57
DIFERENA
R$ 249.68
IOF T COBRADO
R$ 518.70
CET
25.34000%
R$
15,230.98

N
Data
1/11/2008
Critrio PRI
DC
Dias acum.
Juros per.
VP
IOF VP
Amort
2/11/2008
31
31
0.01964
376.41806
R$ 1.91
R$ 89.34
3/11/2008
29
60
0.01836
369.39947
R$ 2.31
R$ 110.14
4/11/2008
31
91
0.01964
362.51174
R$ 2.73
R$ 93.26
5/11/2008
30
121
0.01900
355.75245
R$ 3.12
R$ 104.49
6/11/2008
31
152
0.01964
349.11918
R$ 3.50
R$ 97.14
7/11/2008
30
182
0.01900
342.60960
R$ 3.86
R$ 108.32
8/11/2008
31
213
0.01964
336.22139
R$ 4.21
R$ 101.18
9/11/2008
31
244
0.01964
329.95230
R$ 4.55
R$ 103.17
10/11/2008
30
274
0.01900
323.80010
R$ 4.87
R$ 114.26
10
11/11/2008
31
305
0.01964
317.76261
R$ 5.18
R$ 107.44
11
12/11/2008
30
335
0.01900
311.83769
R$ 5.47
R$ 118.47
12
1/11/2009
31
366
0.01964
306.02325
R$ 5.74
R$ 111.87
13
2/11/2009
31
397
0.01964
300.31722
R$ 5.64
R$ 114.07
14
3/11/2009
28
425
0.01772
294.71759
R$ 5.53
R$ 142.40
15
4/11/2009
31
456
0.01964
289.22236
R$ 5.43
R$ 119.11
16
5/11/2009
30
486
0.01900
283.82960
R$ 5.33
R$ 129.98
17
6/11/2009
31
517
0.01964
278.53739
R$ 5.23
R$ 124.00
18
7/11/2009
30
547
0.01900
273.34386
R$ 5.13
R$ 134.81
19
8/11/2009
31
578
0.01964
268.24716
R$ 5.03
R$ 129.08
20
9/11/2009
31
609
0.01964
263.24550
R$ 4.94
R$ 131.62
21
10/11/2009
30
639
0.01900
258.33709
R$ 4.85
R$ 142.32
22
11/11/2009
31
670
0.01964
253.52021
R$ 4.76
R$ 137.00
23
12/11/2009
30
700
0.01900
248.79314
R$ 4.67
R$ 147.63
24
1/11/2010
31
731
0.01964
244.15421
R$ 4.58
R$ 142.59
25
2/11/2010
31
762
0.01964
239.60178
R$ 4.50
R$ 145.39
26
3/11/2010
28
790
0.01772
235.13423
R$ 4.41
R$ 171.22
27
4/11/2010
31
821
0.01964
230.74998
R$ 4.33
R$ 151.61
28
5/11/2010
30
851
0.01900
226.44747
R$ 4.25
R$ 162.04
29
6/11/2010
31
882
0.01964
222.22520
R$ 4.17
R$ 157.77
30
7/11/2010
30
912
0.01900
218.08164
R$ 4.09
R$ 168.12
31
8/11/2010
31
943
0.01964
214.01535
R$ 4.02
R$ 164.17
32
9/11/2010
31
974
0.01964
210.02488
R$ 3.94
R$ 167.39
33
10/11/2010
30
1004
0.01900
206.10881
R$ 3.87
R$ 177.61
34
11/11/2010
31
1035
0.01964
202.26576
R$ 3.80
R$ 174.17
35
12/11/2010
30
1065
0.01900
198.49437
R$ 3.72
R$ 184.29
36
1/11/2011
31
1096
0.01964
194.79330
R$ 3.66
R$ 181.21
37
2/11/2011
31
1127
0.01964
191.16123
R$ 3.59
R$ 184.77
38
3/11/2011
28
1155
0.01772
187.59689
R$ 3.52
R$ 207.45
39
4/11/2011
31
1186
0.01964
184.09901
R$ 3.45
R$ 192.47
40
5/11/2011
30
1216
0.01900
180.66635
R$ 3.39
R$ 202.35
41
6/11/2011
31
1247
0.01964
177.29769
R$ 3.33
R$ 200.22
42
7/11/2011
30
1277
0.01900
173.99185
R$ 3.26
R$ 210.00
43
8/11/2011
31
1308
0.01964
170.74764
R$ 3.20
R$ 208.28
44
9/11/2011
31
1339
0.01964
167.56393
R$ 3.14
R$ 212.37
45
10/11/2011
30
1369
0.01900
164.43958
R$ 3.09
R$ 221.98
46
11/11/2011
31
1400
0.01964
161.37348
R$ 3.03
R$ 220.90
47
12/11/2011
30
1430
0.01900
158.36455
R$ 2.97
R$ 230.39
48
1/11/2012
31
1461
0.01964
155.41173
R$ 2.92
R$ 229.76
49
2/11/2012
31
1492
0.01964
152.51397
R$ 2.86
R$ 234.27
50
3/11/2012
29
1521
0.01836
149.67023
R$ 2.81
R$ 248.30
51
4/11/2012
31
1552
0.01964
146.87952
R$ 2.76
R$ 243.75
52
5/11/2012
30
1582
0.01900
144.14085
R$ 2.70
R$ 252.94
53
6/11/2012
31
1613
0.01964
141.45323
R$ 2.65
R$ 253.51
54
7/11/2012
30
1643
0.01900
138.81573
R$ 2.60
R$ 262.56
55
8/11/2012
31
1674
0.01964
136.22741
R$ 2.56
R$ 263.64
56
9/11/2012
31
1705
0.01964
133.68735
R$ 2.51
R$ 268.82
57
10/11/2012
30
1735
0.01900
131.19466
R$ 2.46
R$ 277.66
58
11/11/2012
31
1766
0.01964
128.74844
R$ 2.42
R$ 279.55
59
12/11/2012
30
1796
0.01900
126.34783
R$ 2.37
R$ 288.25
60
1/11/2013
31
1827
0.01964
123.99198
R$ 2.33
R$ 290.70
61
2/11/2013
31
1858
0.01964
121.68006
R$ 2.28
R$ 296.41
62
3/11/2013
28
1886
0.01772
119.41124
R$ 2.24
R$ 310.18
63
4/11/2013
31
1917
0.01964
117.18473
R$ 2.20
R$ 308.33
64
5/11/2013
30
1947
0.01900
114.99974
R$ 2.16
R$ 316.63
65
6/11/2013
31
1978
0.01964
112.85549
R$ 2.12
R$ 320.60
66
7/11/2013
30
2008
0.01900
110.75121
R$ 2.08
R$ 328.74
67
8/11/2013
31
2039
0.01964
108.68617
R$ 2.04
R$ 333.35
68
9/11/2013
31
2070
0.01964
106.65964
R$ 2.00
R$ 339.90
69
10/11/2013
30
2100
0.01900
104.67089
R$ 1.96
R$ 347.78
70
11/11/2013
31
2131
0.01964
102.71923
R$ 1.93
R$ 353.41
71
12/11/2013
30
2161
0.01900
100.80395
R$ 1.89
R$ 361.10
72
1/11/2014
31
2192
0.01964
98.92439
R$ 1.86
R$ 367.44
Critrio PRICE
Saldo
IOF Price
R$ 14,981.30
R$ 14,891.96
R$ 0.45
R$ 14,781.82
R$ 0.69
R$ 14,688.56
R$ 0.70
R$ 14,584.07
R$ 0.92
R$ 14,486.93
R$ 0.97
R$ 14,378.61
R$ 1.22
R$ 14,277.43
R$ 1.27
R$ 14,174.26
R$ 1.42
R$ 14,060.00
R$ 1.72
R$ 13,952.57
R$ 1.75
R$ 13,834.10
R$ 2.08
R$ 13,722.22
R$ 2.10
R$ 13,608.15
R$ 2.14
R$ 13,465.75
R$ 2.67
R$ 13,346.64
R$ 2.24
R$ 13,216.66
R$ 2.44
R$ 13,092.66
R$ 2.33
R$ 12,957.85
R$ 2.53
R$ 12,828.77
R$ 2.42
R$ 12,697.15
R$ 2.47
R$ 12,554.83
R$ 2.67
R$ 12,417.83
R$ 2.57
R$ 12,270.20
R$ 2.77
R$ 12,127.61
R$ 2.68
R$ 11,982.22
R$ 2.73
R$ 11,811.00
R$ 3.21
R$ 11,659.40
R$ 2.84
R$ 11,497.36
R$ 3.04
R$ 11,339.59
R$ 2.96
R$ 11,171.47
R$ 3.15
R$ 11,007.31
R$ 3.08
R$ 10,839.92
R$ 3.14
R$ 10,662.31
R$ 3.33
R$ 10,488.14
R$ 3.27
R$ 10,303.85
R$ 3.46
R$ 10,122.64
R$ 3.40
R$ 9,937.87
R$ 3.47
R$ 9,730.43
R$ 3.89
R$ 9,537.96
R$ 3.61
R$ 9,335.61
R$ 3.80
R$ 9,135.39
R$ 3.76
R$ 8,925.39
R$ 3.94
R$ 8,717.11
R$ 3.91
R$ 8,504.75
R$ 3.99
R$ 8,282.77
R$ 4.17
R$ 8,061.87
R$ 4.15
R$ 7,831.47
R$ 4.32
R$ 7,601.71
R$ 4.31
R$ 7,367.44
R$ 4.40
R$ 7,119.14
R$ 4.66
R$ 6,875.39
R$ 4.57
R$ 6,622.45
R$ 4.75
R$ 6,368.95
R$ 4.76
R$ 6,106.39
R$ 4.93
R$ 5,842.74
R$ 4.95
R$ 5,573.92
R$ 5.04
R$ 5,296.26
R$ 5.21
R$ 5,016.71
R$ 5.25
R$ 4,728.46
R$ 5.41
R$ 4,437.75
R$ 5.46
R$ 4,141.34
R$ 5.56
R$ 3,831.16
R$ 5.82
R$ 3,522.84
R$ 5.79
R$ 3,206.20
R$ 5.94
R$ 2,885.60
R$ 6.02
R$ 2,556.86
R$ 6.17
R$ 2,223.51
R$ 6.26
R$ 1,883.61
R$ 6.38
R$ 1,535.82
R$ 6.53
R$ 1,182.42
R$ 6.63
R$ 821.32
R$ 6.78
R$ 453.88
R$ 6.89
VALORES REAIS
Valor Financiado
15,500.00
Taxas
N. parcelas
taxa de juros
Valor da parcela
IOF TOTAL COBRADO
CET
72
1.90000%
R$ 396.85
R$ 518.70
25.34000%
Data
DC
Dias acum.
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
1/11/2008
2/11/2008
3/11/2008
4/11/2008
5/11/2008
6/11/2008
7/11/2008
8/11/2008
9/11/2008
10/11/2008
11/11/2008
12/11/2008
1/11/2009
2/11/2009
3/11/2009
4/11/2009
5/11/2009
6/11/2009
7/11/2009
8/11/2009
9/11/2009
10/11/2009
11/11/2009
12/11/2009
31
29
31
30
31
30
31
31
30
31
30
31
31
28
31
30
31
30
31
31
30
31
30
31
60
91
121
152
182
213
244
274
305
335
366
397
425
456
486
517
547
578
609
639
670
700
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
56
57
1/11/2010
2/11/2010
3/11/2010
4/11/2010
5/11/2010
6/11/2010
7/11/2010
8/11/2010
9/11/2010
10/11/2010
11/11/2010
12/11/2010
1/11/2011
2/11/2011
3/11/2011
4/11/2011
5/11/2011
6/11/2011
7/11/2011
8/11/2011
9/11/2011
10/11/2011
11/11/2011
12/11/2011
1/11/2012
2/11/2012
3/11/2012
4/11/2012
5/11/2012
6/11/2012
7/11/2012
8/11/2012
9/11/2012
10/11/2012
31
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
31
31
30
731
762
790
821
851
882
912
943
974
1004
1035
1065
1096
1127
1155
1186
1216
1247
1277
1308
1339
1369
1400
1430
1461
1492
1521
1552
1582
1613
1643
1674
1705
1735
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
11/11/2012
12/11/2012
1/11/2013
2/11/2013
3/11/2013
4/11/2013
5/11/2013
6/11/2013
7/11/2013
8/11/2013
9/11/2013
10/11/2013
11/11/2013
12/11/2013
1/11/2014
31
30
31
31
28
31
30
31
30
31
31
30
31
30
31
1766
1796
1827
1858
1886
1917
1947
1978
2008
2039
2070
2100
2131
2161
2192
VALORES SIMULAO
Valor da parcela
R$ 396.85
IOF Price
R$ 278.33
IOF VP
R$ 260.72
Juros per.
VP
0.01964
0.01836
0.01964
0.01900
0.01964
0.01900
0.01964
0.01964
0.01900
0.01964
0.01900
0.01964
0.01964
0.01772
0.01964
0.01900
0.01964
0.01900
0.01964
0.01964
0.01900
0.01964
0.01900
389.45044
382.18885
375.06266
368.06935
361.20642
354.47147
347.86209
341.37594
335.01074
328.76422
322.63417
316.61842
310.71484
304.92133
299.23585
293.65638
288.18094
282.80760
277.53444
272.35961
267.28127
262.29761
257.40688
IOF VP
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
1.97
2.39
2.82
3.22
3.62
3.99
4.36
4.71
5.04
5.36
5.66
5.94
5.83
5.72
5.62
5.51
5.41
5.31
5.21
5.11
5.02
4.92
4.83
Critrio PR
Amort
R$ 92.44
R$ 113.95
R$ 96.49
R$ 108.10
R$ 100.51
R$ 112.07
R$ 104.68
R$ 106.74
R$ 118.21
R$ 111.16
R$ 122.57
R$ 115.75
R$ 118.02
R$ 147.33
R$ 123.23
R$ 134.48
R$ 128.29
R$ 139.48
R$ 133.55
R$ 136.18
R$ 147.25
R$ 141.74
R$ 152.74
0.01964
0.01964
0.01772
0.01964
0.01900
0.01964
0.01900
0.01964
0.01964
0.01900
0.01964
0.01900
0.01964
0.01964
0.01772
0.01964
0.01900
0.01964
0.01900
0.01964
0.01964
0.01900
0.01964
0.01900
0.01964
0.01964
0.01836
0.01964
0.01900
0.01964
0.01900
0.01964
0.01964
0.01900
252.60734
247.89729
243.27507
238.73903
234.28756
229.91910
225.63209
221.42501
217.29638
213.24473
209.26863
205.36666
201.53745
197.77964
194.09189
190.47291
186.92140
183.43611
180.01581
176.65929
173.36535
170.13282
166.96057
163.84747
160.79241
157.79432
154.85213
151.96480
149.13130
146.35064
143.62183
140.94389
138.31589
135.73689
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
4.74
4.65
4.57
4.48
4.40
4.31
4.23
4.16
4.08
4.00
3.93
3.85
3.78
3.71
3.64
3.57
3.51
3.44
3.38
3.32
3.25
3.19
3.13
3.07
3.02
2.96
2.91
2.85
2.80
2.75
2.70
2.64
2.60
2.55
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
147.52
150.42
177.15
156.86
167.65
163.23
173.94
169.85
173.19
183.76
180.20
190.67
187.48
191.16
214.63
199.13
209.35
207.15
217.27
215.49
219.72
229.66
228.55
238.37
237.72
242.39
256.89
252.19
261.69
262.28
271.65
272.77
278.13
287.28
0.01964
0.01900
0.01964
0.01964
0.01772
0.01964
0.01900
0.01964
0.01900
0.01964
0.01964
0.01900
0.01964
0.01900
0.01964
133.20598
130.72225
128.28484
125.89288
123.54551
121.24192
118.98127
116.76278
114.58565
112.44912
110.35242
108.29482
106.27558
104.29400
102.34936
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
2.50
2.45
2.41
2.36
2.32
2.28
2.23
2.19
2.15
2.11
2.07
2.03
1.99
1.96
1.92
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
289.23
298.23
300.77
306.68
320.91
319.00
327.60
331.70
340.12
344.90
351.67
359.82
365.64
373.61
380.16
Critrio PRICE
Saldo
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
15,500.00
15,407.56
15,293.61
15,197.12
15,089.02
14,988.51
14,876.44
14,771.76
14,665.02
14,546.81
14,435.65
14,313.08
14,197.33
14,079.31
13,931.98
13,808.74
13,674.26
13,545.97
13,406.49
13,272.94
13,136.76
12,989.51
12,847.77
12,695.03
IOF Price
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
0.47
0.71
0.73
0.95
1.01
1.26
1.31
1.47
1.78
1.81
2.15
2.17
2.21
2.76
2.31
2.52
2.41
2.62
2.51
2.56
2.76
2.66
2.87
R$ 12,547.51
R$ 12,397.08
R$ 12,219.94
R$ 12,063.08
R$ 11,895.43
R$ 11,732.20
R$ 11,558.27
R$ 11,388.42
R$ 11,215.23
R$ 11,031.47
R$ 10,851.27
R$ 10,660.60
R$ 10,473.12
R$ 10,281.96
R$ 10,067.32
R$ 9,868.19
R$ 9,658.84
R$ 9,451.69
R$ 9,234.42
R$ 9,018.93
R$ 8,799.21
R$ 8,569.54
R$ 8,341.00
R$ 8,102.63
R$ 7,864.91
R$ 7,622.52
R$ 7,365.63
R$ 7,113.44
R$ 6,851.74
R$ 6,589.46
R$ 6,317.81
R$ 6,045.04
R$ 5,766.91
R$ 5,479.63
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
2.77
2.82
3.32
2.94
3.15
3.06
3.26
3.19
3.25
3.45
3.38
3.58
3.52
3.59
4.03
3.74
3.93
3.89
4.08
4.04
4.12
4.31
4.29
4.47
4.46
4.55
4.82
4.73
4.91
4.92
5.10
5.12
5.22
5.39
R$ 5,190.40
R$ 4,892.17
R$ 4,591.40
R$ 4,284.72
R$ 3,963.81
R$ 3,644.81
R$ 3,317.21
R$ 2,985.51
R$ 2,645.39
R$ 2,300.49
R$ 1,948.82
R$ 1,589.00
R$ 1,223.36
R$ 849.75
R$ 469.59
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
5.43
5.60
5.64
5.75
6.02
5.99
6.15
6.22
6.38
6.47
6.60
6.75
6.86
7.01
7.13
VALORES REAIS
Valor Financiado
15550
Taxas
N. parcelas
taxa de juros
Valor da parcela
IOF TOTAL
CET
72
1.90000%
R$ 405.73
R$ 518.70
25.34000%
Data
DC
Dias acum.
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
1/11/2008
2/11/2008
3/11/2008
4/11/2008
5/11/2008
6/11/2008
7/11/2008
8/11/2008
9/11/2008
10/11/2008
11/11/2008
12/11/2008
1/11/2009
2/11/2009
3/11/2009
4/11/2009
5/11/2009
6/11/2009
7/11/2009
8/11/2009
9/11/2009
10/11/2009
11/11/2009
12/11/2009
31
29
31
30
31
30
31
31
30
31
30
31
31
28
31
30
31
30
31
31
30
31
30
31
60
91
121
152
182
213
244
274
305
335
366
397
425
456
486
517
547
578
609
639
670
700
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
56
57
1/11/2010
2/11/2010
3/11/2010
4/11/2010
5/11/2010
6/11/2010
7/11/2010
8/11/2010
9/11/2010
10/11/2010
11/11/2010
12/11/2010
1/11/2011
2/11/2011
3/11/2011
4/11/2011
5/11/2011
6/11/2011
7/11/2011
8/11/2011
9/11/2011
10/11/2011
11/11/2011
12/11/2011
1/11/2012
2/11/2012
3/11/2012
4/11/2012
5/11/2012
6/11/2012
7/11/2012
8/11/2012
9/11/2012
10/11/2012
31
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
31
31
30
731
762
790
821
851
882
912
943
974
1004
1035
1065
1096
1127
1155
1186
1216
1247
1277
1308
1339
1369
1400
1430
1461
1492
1521
1552
1582
1613
1643
1674
1705
1735
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
11/11/2012
12/11/2012
1/11/2013
2/11/2013
3/11/2013
4/11/2013
5/11/2013
6/11/2013
7/11/2013
8/11/2013
9/11/2013
10/11/2013
11/11/2013
12/11/2013
1/11/2014
31
30
31
31
28
31
30
31
30
31
31
30
31
30
31
1766
1796
1827
1858
1886
1917
1947
1978
2008
2039
2070
2100
2131
2161
2192
VALORES SIMULAO
Valor da parcela
R$ 421.91
IOF Price
R$ 248.21
IOF VP
R$ 266.55
Juros per.
VP
0.01964
0.01836
0.01964
0.01900
0.01964
0.01900
0.01964
0.01964
0.01900
0.01964
0.01900
0.01964
0.01964
0.01772
0.01964
0.01900
0.01964
0.01900
0.01964
0.01964
0.01900
0.01964
0.01900
398.16487
390.74079
383.45514
376.30534
369.28885
362.40319
355.64592
349.01464
342.50701
336.12072
329.85350
323.70314
317.66746
311.74432
305.93162
300.22730
294.62934
289.13576
283.74461
278.45399
273.26201
268.16684
263.16667
IOF VP
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
2.02
2.45
2.89
3.30
3.70
4.08
4.46
4.82
5.15
5.48
5.78
6.07
5.96
5.85
5.74
5.63
5.53
5.43
5.32
5.23
5.13
5.03
4.94
Critrio PR
Amort
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
116.52
138.54
121.53
133.62
126.54
138.56
131.75
134.33
146.25
139.84
151.69
145.57
148.43
177.76
154.83
166.47
161.15
172.70
167.70
171.00
182.41
177.94
189.26
0.01964
0.01964
0.01772
0.01964
0.01900
0.01964
0.01900
0.01964
0.01964
0.01900
0.01964
0.01900
0.01964
0.01964
0.01772
0.01964
0.01900
0.01964
0.01900
0.01964
0.01964
0.01900
0.01964
0.01900
0.01964
0.01964
0.01836
0.01964
0.01900
0.01964
0.01900
0.01964
0.01964
0.01900
258.25974
253.44430
248.71864
244.08110
239.53003
235.06382
230.68088
226.37967
222.15865
218.01634
213.95127
209.96199
206.04710
202.20520
198.43493
194.73497
191.10399
187.54072
184.04389
180.61225
177.24460
173.93975
170.69652
167.51375
164.39034
161.32516
158.31713
155.36520
152.46830
149.62542
146.83554
144.09768
141.41088
138.77417
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
4.85
4.76
4.67
4.58
4.49
4.41
4.33
4.25
4.17
4.09
4.01
3.94
3.87
3.79
3.72
3.65
3.59
3.52
3.45
3.39
3.33
3.26
3.20
3.14
3.08
3.03
2.97
2.92
2.86
2.81
2.76
2.70
2.65
2.60
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
185.15
188.78
214.89
196.71
207.78
204.66
215.62
212.91
217.09
227.89
225.83
236.51
234.91
239.52
261.58
249.37
259.72
259.36
269.58
269.75
275.05
285.06
286.05
295.91
297.48
303.32
316.61
315.50
324.96
328.08
337.36
341.14
347.84
356.86
0.01964
0.01900
0.01964
0.01964
0.01772
0.01964
0.01900
0.01964
0.01900
0.01964
0.01964
0.01900
0.01964
0.01900
0.01964
136.18662
133.64732
131.15537
128.70988
126.30999
123.95485
121.64362
119.37549
117.14964
114.96530
112.82169
110.71805
108.65363
106.62770
104.63955
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
2.56
2.51
2.46
2.42
2.37
2.33
2.28
2.24
2.20
2.16
2.12
2.08
2.04
2.00
1.96
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
361.68
370.52
376.06
383.45
394.00
398.72
407.05
414.54
422.66
430.99
439.45
447.23
456.86
464.41
474.96
Critrio PRICE
Saldo
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
15,550.00
15,433.48
15,294.94
15,173.41
15,039.79
14,913.25
14,774.69
14,642.94
14,508.61
14,362.36
14,222.51
14,070.83
13,925.26
13,776.83
13,599.07
13,444.24
13,277.76
13,116.62
12,943.92
12,776.22
12,605.22
12,422.81
12,244.87
12,055.61
IOF Price
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
0.59
0.87
0.92
1.17
1.27
1.56
1.65
1.85
2.20
2.28
2.66
2.73
2.79
3.34
2.91
3.12
3.02
3.24
3.15
3.21
3.42
3.34
3.55
R$ 11,870.46
R$ 11,681.68
R$ 11,466.79
R$ 11,270.08
R$ 11,062.29
R$ 10,857.64
R$ 10,642.02
R$ 10,429.11
R$ 10,212.02
R$ 9,984.13
R$ 9,758.30
R$ 9,521.79
R$ 9,286.88
R$ 9,047.36
R$ 8,785.78
R$ 8,536.42
R$ 8,276.70
R$ 8,017.33
R$ 7,747.75
R$ 7,478.00
R$ 7,202.95
R$ 6,917.89
R$ 6,631.84
R$ 6,335.93
R$ 6,038.45
R$ 5,735.13
R$ 5,418.52
R$ 5,103.02
R$ 4,778.06
R$ 4,449.99
R$ 4,112.62
R$ 3,771.48
R$ 3,423.63
R$ 3,066.77
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
3.47
3.54
4.03
3.69
3.90
3.84
4.05
4.00
4.07
4.28
4.24
4.44
4.41
4.49
4.91
4.68
4.87
4.87
5.06
5.06
5.16
5.35
5.37
5.55
5.58
5.69
5.94
5.92
6.10
6.16
6.33
6.40
6.53
6.70
R$ 2,705.08
R$ 2,334.57
R$ 1,958.50
R$ 1,575.05
R$ 1,181.05
R$ 782.33
R$ 375.28
-R$ 39.26
-R$ 461.92
-R$ 892.91
-R$ 1,332.36
-R$ 1,779.58
-R$ 2,236.45
-R$ 2,700.86
-R$ 3,175.81
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
6.79
6.95
7.06
7.20
7.39
7.48
7.64
7.78
7.93
8.09
8.25
8.39
8.57
8.71
8.91

Calculo Do Iof

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Calculo Do Iof

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VALORES REAIS

Critrio VALOR PRESENTE

Critrio VALOR PRESENTE

Critrio VALOR PRESENTE

CLCULO DO IOF PARA O CONTRATO: 13.0836.110.0004127-78 (I

Critrio VALOR PRESENTE

CLCULO DO IOF PARA O CONTRATO: 13.0836.110.0004127-78 (INICIAL)

VALOR FINANCIADO REAL

Critrio VALOR PRESENTE

CLCULO DO IOF PARA O CONTRATO: 13.0836.110.0004127-78 (INICIAL)

Vlr Financiado IOF

VALOR FINANCIADO REAL

Critrio VALOR PRESENTE

CLCULO DO IOF PARA O CONTRATO: 13.0836.110.0004127-78 (INICIAL)

VALOR FINANCIADO REAL

Critrio VALOR PRESENTE

Critrio VALOR PRESENTE

Critrio VALOR PRESENTE

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