Escolar Documentos
Profissional Documentos
Cultura Documentos
00
PRAZO 36 meses
TAXA 6.99% a.m
Valor Financiado 100,000.00 Teste da taxa de juros
IOF 2,666.15 TAXA(período;prest;capital;;0/1)
Prêmio seguro 9,248.92
Valor Liberado 88,084.93 TESTE TAXA
Data/hora da operação 3/31/2017 TESTE TAXA BC
Parcelas R$7,663.05 Dif I - II
N parcelas 36 TESTE AMORT
Vencimento da primeira 4/30/2017 HIPÓTESE PRESTAÇÃO NO VALOR DE
Tipo de contrato CDC
Forma de pagamento Desconto em conta corrente
Instituição Financeira Banco do Brasil
axa de juros
íodo;prest;capital;;0/1)
DISCUSSÃO
6.990% Ok NÃO
7.38% ok NÃO
5.579% NÃO
PRICE SIM
E PRESTAÇÃO NO VALOR DE 8,000.00
7.385%
Requerente
Requerido
CAPITAL 100,000.00
PRAZO 36 meses
TAXA 6.99% a.m
Valor Financiado 100,000.00
IOF 2,666.15
Prêmio seguro 9,248.92
Valor Liberado 88,084.93
Data/hora da operação 3/31/2017
M=C*(1+i)^n
1,138,556.93
VERIFICAÇÃO JUROS COMPOSTOS
Dias Acumulado n VF
36 -
30.00 35 81,547.98
61.00 34 76,220.18
91.00 33 71,240.48
122.00 32 66,586.11
153.00 31 62,235.82
183.00 30 58,169.76
214.00 29 54,369.34
244.00 28 50,817.22
275.00 27 47,497.16
306.00 26 44,394.02
334.00 25 41,493.62
365.00 24 38,782.71
395.00 23 36,248.91
426.00 22 33,880.65
456.00 21 31,667.12
487.00 20 29,598.20
518.00 19 27,664.46
548.00 18 25,857.05
579.00 17 24,167.73
609.00 16 22,588.77
640.00 15 21,112.97
671.00 14 19,733.60
699.00 13 18,444.34
730.00 12 17,239.31
760.00 11 16,113.01
791.00 10 15,060.30
821.00 9 14,076.36
852.00 8 13,156.70
883.00 7 12,297.13
913.00 6 11,493.72
944.00 5 10,742.80
974.00 4 10,040.94
1,005.00 3 9,384.93
1,036.00 2 8,771.79
1,065.00 1 8,198.70
1,096.00 0 7,663.05
1,138,556.93
Requerente
Requerido Montante C*(1+I*n)
351,640.00
CAPITAL 100,000.00 Taxa (((i * (n-1))/2)+1)*n
PRAZO 36 meses 80.037
TAXA 6.99% a.m Prestação Montante/Taxa
4,393.47
Valor Financiado 100,000.00 IP ((prest*prazo)-capital)/(((prazo*(pr
IOF 2,666.15 92.33
Prêmio seguro 9,248.92 Juros IP*(n-1)
Valor Liberado 88,084.93
DEMONSTRATIVO DE FINANCIAMENTO
n IP Amortização Juros Prestação Saldo Devedor
0 100,000.00
1 92.33 1,162.09 3,231.38 4,393.47 98,837.91
2 92.33 1,254.41 3,139.06 4,393.47 97,583.50
3 92.33 1,346.74 3,046.73 4,393.47 96,236.76
4 92.33 1,439.06 2,954.41 4,393.47 94,797.70
5 92.33 1,531.39 2,862.08 4,393.47 93,266.31
6 92.33 1,623.71 2,769.75 4,393.47 91,642.60
7 92.33 1,716.04 2,677.43 4,393.47 89,926.56
8 92.33 1,808.36 2,585.10 4,393.47 88,118.20
9 92.33 1,900.69 2,492.78 4,393.47 86,217.51
10 92.33 1,993.01 2,400.45 4,393.47 84,224.49
11 92.33 2,085.34 2,308.13 4,393.47 82,139.15
12 92.33 2,177.66 2,215.80 4,393.47 79,961.49
13 92.33 2,269.99 2,123.48 4,393.47 77,691.50
14 92.33 2,362.31 2,031.15 4,393.47 75,329.19
15 92.33 2,454.64 1,938.83 4,393.47 72,874.55
16 92.33 2,546.96 1,846.50 4,393.47 70,327.58
17 92.33 2,639.29 1,754.18 4,393.47 67,688.29
18 92.33 2,731.62 1,661.85 4,393.47 64,956.68
19 92.33 2,823.94 1,569.53 4,393.47 62,132.74
20 92.33 2,916.27 1,477.20 4,393.47 59,216.47
21 92.33 3,008.59 1,384.88 4,393.47 56,207.88
22 92.33 3,100.92 1,292.55 4,393.47 53,106.96
23 92.33 3,193.24 1,200.23 4,393.47 49,913.72
24 92.33 3,285.57 1,107.90 4,393.47 46,628.16
25 92.33 3,377.89 1,015.58 4,393.47 43,250.26
26 92.33 3,470.22 923.25 4,393.47 39,780.05
27 92.33 3,562.54 830.93 4,393.47 36,217.51
28 92.33 3,654.87 738.60 4,393.47 32,562.64
29 92.33 3,747.19 646.28 4,393.47 28,815.45
30 92.33 3,839.52 553.95 4,393.47 24,975.93
31 92.33 3,931.84 461.63 4,393.47 21,044.09
32 92.33 4,024.17 369.30 4,393.47 17,019.92
33 92.33 4,116.49 276.98 4,393.47 12,903.43
34 92.33 4,208.82 184.65 4,393.47 8,694.61
35 92.33 4,301.14 92.33 4,393.47 4,393.47
36 92.33 4,393.47 - 4,393.47 -
NÃO SOMAR
1) JUROS SIMPLES
M=C*(1+I.n)
M 351,640.00
2) JUROS COMPOSTOS
M C*(1+i)n
1,138,556.93
PRESTAÇÃO GAUSS
1))/2)+1)*n
k i % n k
P
i % n 1
prazo)-capital)/(((prazo*(prazo-1)))/2))
1 n
2
VERIFICAÇÃO
n VF
36 -
35 15,142.09
34 14,834.98
33 14,527.88
32 14,220.78
31 13,913.67
30 13,606.57
29 13,299.47
28 12,992.36
27 12,685.26
26 12,378.16
25 12,071.05
24 11,763.95
23 11,456.85
22 11,149.74
21 10,842.64
20 10,535.54
19 10,228.43
18 9,921.33
17 9,614.23
16 9,307.12
15 9,000.02
14 8,692.92
13 8,385.81
12 8,078.71
11 7,771.61
10 7,464.50
9 7,157.40
8 6,850.30
7 6,543.19
6 6,236.09
5 5,928.99
4 5,621.88
3 5,314.78
2 5,007.67
1 4,700.57
- 4,393.47
351,640.00
Data Propositura 4/30/2018
Data da citação 5/30/2018
Data do cálculo 6/30/2020
Índice IPCA A partir do pagto
Mora 1% a.m Data citação
Multa 2%
Pgto consignado 4/30/2018 R$4,393.47
578.92
582.45
585.19
587.36
590.35
594.54
599.95
604.09
606.09
608.75
612.96
618.23
621.81
625.48
629.30
634.77
637.88
637.75
639.35
640.44
642.68
647.50
651.06
653.40
657.26
659.95
662.79
664.18
664.85
663.45
664.71
665.04
666.44
668.64
670.71
673.93
676.90
679.87
682.39
684.10
686.01
687.93
689.58
692.82
694.07
696.15
698.80
703.97
707.77
711.24
714.65
718.58
724.26
729.62
733.49
735.54
737.45
740.77
743.44
745.52
749.10
753.22
754.73
758.35
761.91
764.65
766.49
767.64
769.48
771.64
774.80
777.67
783.50
789.61
793.72
798.24
801.67
801.67
801.75
802.07
805.68
811.73
818.46
823.62
830.46
837.10
843.71
850.21
854.21
855.49
856.86
860.03
864.58
868.30
872.82
877.18
882.09
886.06
887.92
893.61
896.82
897.54
901.40
905.10
910.25
915.63
921.12
928.40
936.38
942.00
946.43
951.63
955.15
957.64
957.92
960.22
963.58
969.07
974.31
983.27
988.68
995.50
1004.66
1011.39
1016.04
1020.11
1020.21
1022.76
1028.59
1032.91
1038.18
1046.28
1059.25
1072.17
1086.33
1094.04
1102.13
1110.84
1117.73
1120.19
1126.24
1135.47
1146.94
1157.95
1172.66
1183.21
1188.30
1195.55
1204.87
1209.09
1215.38
1220.72
1221.70
1224.88
1227.08
1230.76
1235.44
1239.52
1242.62
1244.35
1248.21
1245.34
1248.33
1250.70
1252.70
1257.96
1261.49
1267.04
1270.71
1274.78
1275.93
1278.73
1283.85
1300.02
1304.31
1303.14
1309.40
1315.29
1312.53
1314.49
1318.70
1324.37
1334.30
1341.91
1343.65
1343.79
1346.34
1347.82
1347.28
1348.63
1355.51
1371.10
1373.98
1377.41
1378.38
1374.10
1368.88
1372.44
1377.38
1380.69
1389.52