Fluxo de Caixa

Período Entradas Saídas Total Taxa Juros VPL

0 R$ - -R$ 20,000.00 -R$ 20,000.00 0 R$ 20,000.00
1 R$ 5,000.00 R$ - R$ 5,000.00 1 R$ 18,257.93
2 R$ 5,000.00 R$ - R$ 5,000.00 2 R$ 16,625.70
3 R$ 5,000.00 R$ - R$ 5,000.00 3 R$ 15,094.91
4 R$ 5,000.00 R$ - R$ 5,000.00 4 R$ 13,657.88
5 R$ 5,000.00 R$ - R$ 5,000.00 5 R$ 12,307.60
6 R$ - R$ - R$ - 6 R$ 11,037.68
7 R$ 15,000.00 R$ - R$ 15,000.00 7 R$ 9,842.23
8 R$ 8,715.91
9 R$ 7,653.77
10 R$ 6,651.31
11 R$ 5,704.36
12 R$ 4,809.12
13 R$ 3,962.07
14 R$ 3,159.96
15 R$ 2,399.83
16 R$ 1,678.91
17 R$ 994.66
18 R$ 344.73
19 -R$ 273.06
20 -R$ 860.71
 Fluxo de Caixa
R$20,000.00
R$15,000.00
R$10,000.00
R$5,000.00

TIR 18.55% R$-

0 1 2 3 4 5 6 7
TMA 15% R$(5,000.00)
VPL R$ 2,399.83 R$(10,000.00)
R$(15,000.00)

A TIR é de R$(20,000.00)
18,55%. Com uma TMA de 15%, o R$(25,000.00)
VPL é R$2.399,83, logo o
investimento pode ser aceito. Entradas Saídas

VPL x Juros
R$25,000.00

R$20,000.00

R$15,000.00

R$10,000.00

R$5,000.00

R$-
0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 2

R$(5,000.00)
 5 6 7

13 14 15 16 17 18 19 20
 Fluxo de Caixa
Período Entradas Saídas Total TIR (Mês) 1.06% Taxa Juros
0 R$ - R$ - 0 TIR (Ano) 13.49% 0
1 R$ - -R$ 1,000.00 -R$ 1,000.00 1
2 R$ - -R$ 1,000.00 -R$ 1,000.00 2
3 R$ - -R$ 1,000.00 -R$ 1,000.00 3
4 R$ - -R$ 1,000.00 -R$ 1,000.00 4
5 R$ - -R$ 1,000.00 -R$ 1,000.00 5
6 R$ - -R$ 1,000.00 -R$ 1,000.00 6
7 R$ - -R$ 1,000.00 -R$ 1,000.00 7
8 R$ - -R$ 1,000.00 -R$ 1,000.00 8
9 R$ - -R$ 1,000.00 -R$ 1,000.00 9
10 R$ - -R$ 1,000.00 -R$ 1,000.00 10
11 R$ - -R$ 1,000.00 -R$ 1,000.00 11
12 R$ - -R$ 1,000.00 -R$ 1,000.00 12
13 R$ - -R$ 1,000.00 -R$ 1,000.00 13
14 R$ - -R$ 1,000.00 -R$ 1,000.00 14
15 R$ - -R$ 1,000.00 -R$ 1,000.00 15
16 R$ - -R$ 1,000.00 -R$ 1,000.00 16
17 R$ - -R$ 1,000.00 -R$ 1,000.00 17
18 R$ - -R$ 1,000.00 -R$ 1,000.00 18
19 R$ - -R$ 1,000.00 -R$ 1,000.00 19
20 R$ - -R$ 1,000.00 -R$ 1,000.00 20
21 R$ - -R$ 1,000.00 -R$ 1,000.00
22 R$ - -R$ 1,000.00 -R$ 1,000.00
23 R$ - -R$ 1,000.00 -R$ 1,000.00
24 R$ - -R$ 1,000.00 -R$ 1,000.00
25 R$ - -R$ 1,000.00 -R$ 1,000.00
26 R$ - -R$ 1,000.00 -R$ 1,000.00
27 R$ - -R$ 1,000.00 -R$ 1,000.00
28 R$ - -R$ 1,000.00 -R$ 1,000.00
29 R$ - -R$ 1,000.00 -R$ 1,000.00
30 R$ - -R$ 1,000.00 -R$ 1,000.00
31 R$ - -R$ 1,000.00 -R$ 1,000.00
32 R$ - -R$ 1,000.00 -R$ 1,000.00
33 R$ - -R$ 1,000.00 -R$ 1,000.00
34 R$ - -R$ 1,000.00 -R$ 1,000.00
35 R$ - -R$ 1,000.00 -R$ 1,000.00
36 R$ - -R$ 1,000.00 -R$ 1,000.00
37 R$ - -R$ 1,000.00 -R$ 1,000.00
38 R$ - -R$ 1,000.00 -R$ 1,000.00
39 R$ - -R$ 1,000.00 -R$ 1,000.00
40 R$ - -R$ 1,000.00 -R$ 1,000.00
41 R$ - -R$ 1,000.00 -R$ 1,000.00
42 R$ - -R$ 1,000.00 -R$ 1,000.00
43 R$ - -R$ 1,000.00 -R$ 1,000.00
44 R$ - -R$ 1,000.00 -R$ 1,000.00
45 R$ - -R$ 1,000.00 -R$ 1,000.00
46 R$ - -R$ 1,000.00 -R$ 1,000.00
47 R$ - -R$ 1,000.00 -R$ 1,000.00
48 R$ - -R$ 1,000.00 -R$ 1,000.00
49 R$ - -R$ 1,000.00 -R$ 1,000.00
50 R$ - -R$ 1,000.00 -R$ 1,000.00
51 R$ - -R$ 1,000.00 -R$ 1,000.00
52 R$ - -R$ 1,000.00 -R$ 1,000.00
53 R$ - -R$ 1,000.00 -R$ 1,000.00
54 R$ - -R$ 1,000.00 -R$ 1,000.00
55 R$ - -R$ 1,000.00 -R$ 1,000.00
56 R$ - -R$ 1,000.00 -R$ 1,000.00
57 R$ - -R$ 1,000.00 -R$ 1,000.00
58 R$ - -R$ 1,000.00 -R$ 1,000.00
59 R$ - -R$ 1,000.00 -R$ 1,000.00
60 R$ - -R$ 1,000.00 -R$ 1,000.00
61 R$ - -R$ 1,000.00 -R$ 1,000.00
62 R$ - -R$ 1,000.00 -R$ 1,000.00
63 R$ - -R$ 1,000.00 -R$ 1,000.00
64 R$ - -R$ 1,000.00 -R$ 1,000.00
65 R$ - -R$ 1,000.00 -R$ 1,000.00
66 R$ - -R$ 1,000.00 -R$ 1,000.00
67 R$ - -R$ 1,000.00 -R$ 1,000.00
68 R$ - -R$ 1,000.00 -R$ 1,000.00
69 R$ - -R$ 1,000.00 -R$ 1,000.00
70 R$ - -R$ 1,000.00 -R$ 1,000.00
71 R$ - -R$ 1,000.00 -R$ 1,000.00
72 R$ - -R$ 1,000.00 -R$ 1,000.00
73 R$ - -R$ 1,000.00 -R$ 1,000.00
74 R$ - -R$ 1,000.00 -R$ 1,000.00
75 R$ - -R$ 1,000.00 -R$ 1,000.00
76 R$ - -R$ 1,000.00 -R$ 1,000.00
77 R$ - -R$ 1,000.00 -R$ 1,000.00
78 R$ - -R$ 1,000.00 -R$ 1,000.00
79 R$ - -R$ 1,000.00 -R$ 1,000.00
80 R$ - -R$ 1,000.00 -R$ 1,000.00
81 R$ - -R$ 1,000.00 -R$ 1,000.00
82 R$ - -R$ 1,000.00 -R$ 1,000.00
83 R$ - -R$ 1,000.00 -R$ 1,000.00
84 R$ - -R$ 1,000.00 -R$ 1,000.00
 85 R$ - -R$ 1,000.00 -R$ 1,000.00
86 R$ - -R$ 1,000.00 -R$ 1,000.00
87 R$ - -R$ 1,000.00 -R$ 1,000.00
88 R$ - -R$ 1,000.00 -R$ 1,000.00
89 R$ - -R$ 1,000.00 -R$ 1,000.00
90 R$ - -R$ 1,000.00 -R$ 1,000.00
91 R$ - -R$ 1,000.00 -R$ 1,000.00
92 R$ - -R$ 1,000.00 -R$ 1,000.00
93 R$ - -R$ 1,000.00 -R$ 1,000.00
94 R$ - -R$ 1,000.00 -R$ 1,000.00
95 R$ - -R$ 1,000.00 -R$ 1,000.00
96 R$ - -R$ 1,000.00 -R$ 1,000.00
97 R$ - -R$ 1,000.00 -R$ 1,000.00
98 R$ - -R$ 1,000.00 -R$ 1,000.00
99 R$ - -R$ 1,000.00 -R$ 1,000.00
100 R$ - -R$ 1,000.00 -R$ 1,000.00
101 R$ - -R$ 1,000.00 -R$ 1,000.00
102 R$ - -R$ 1,000.00 -R$ 1,000.00
103 R$ - -R$ 1,000.00 -R$ 1,000.00
104 R$ - -R$ 1,000.00 -R$ 1,000.00
105 R$ - -R$ 1,000.00 -R$ 1,000.00
106 R$ - -R$ 1,000.00 -R$ 1,000.00
107 R$ - -R$ 1,000.00 -R$ 1,000.00
108 R$ - -R$ 1,000.00 -R$ 1,000.00
109 R$ - -R$ 1,000.00 -R$ 1,000.00
110 R$ - -R$ 1,000.00 -R$ 1,000.00
111 R$ - -R$ 1,000.00 -R$ 1,000.00
112 R$ - -R$ 1,000.00 -R$ 1,000.00
113 R$ - -R$ 1,000.00 -R$ 1,000.00
114 R$ - -R$ 1,000.00 -R$ 1,000.00
115 R$ - -R$ 1,000.00 -R$ 1,000.00
116 R$ - -R$ 1,000.00 -R$ 1,000.00
117 R$ - -R$ 1,000.00 -R$ 1,000.00
118 R$ - -R$ 1,000.00 -R$ 1,000.00
119 R$ - -R$ 1,000.00 -R$ 1,000.00
120 R$ 240,000.00 -R$ 1,000.00 R$ 239,000.00
 VPL
R$ 120,000.00
R$ 103,093.23 Fluxo de Caixa
R$ 88,108.02
R$ 74,820.13
R$ 63,032.89
R$ 52,573.59 R$230,000.00

R$ 43,290.42
R$ 35,049.80
R$ 27,734.05
R$ 21,239.38
R$ 15,474.22
R$ 10,357.63 R$180,000.00
R$ 5,818.04
R$ 1,792.11
-R$ 1,776.29
-R$ 4,936.93
-R$ 7,733.97
-R$ 10,206.64 R$130,000.00
-R$ 12,389.81
-R$ 14,314.50
-R$ 16,008.32

R$80,000.00

R$30,000.00

0 3 6 9 12 15 18 21 24 27 30 33 36 39 42 45 48 51 54 57 60 63 66 69

R$(20,000.00)

Entradas Saídas
uxo de Caixa
R$ 140,000.00

R$ 120,000.00

R$ 100,000.00

R$ 80,000.00

R$ 60,000.00

R$ 40,000.00

R$ 20,000.00

R$ 0.00
0 1 2 3 4 5
-R$ 20,000.00

-R$ 40,000.00

51 54 57 60 63 66 69 72 75 78 81 84 87 90 93 96 99 102 105 108 111 114 117 120

Entradas Saídas
 VPL x Taxa Juros

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20
 Fluxo de Caixa
Período Entradas Saídas Total Impostos 3%
0 R$ - -R$ 5,000,000.00 -R$ 5,000,000.00 TIR 17.45%
1 R$ - -R$ 220,000.00 -R$ 220,000.00
2 R$ - -R$ 220,000.00 -R$ 220,000.00
3 R$ - -R$ 220,000.00 -R$ 220,000.00
4 R$ - -R$ 220,000.00 -R$ 220,000.00
5 R$ - -R$ 220,000.00 -R$ 220,000.00
6 R$ - -R$ 220,000.00 -R$ 220,000.00
7 R$ - -R$ 220,000.00 -R$ 220,000.00
8 R$ - -R$ 220,000.00 -R$ 220,000.00
9 R$ - -R$ 220,000.00 -R$ 220,000.00
10 R$ 30,000,000.00 -R$ 220,000.00 R$ 29,780,000.00
Taxa Juros VPL
0 R$ 22,800,000.00 Fluxo de Caixa
1 R$ 20,074,921.64 R$35,000,000.00
2 R$ 17,634,280.29 R$30,000,000.00
3 R$ 15,446,172.82
R$25,000,000.00
4 R$ 13,482,527.99
R$20,000,000.00
5 R$ 11,718,615.92
R$15,000,000.00
6 R$ 10,132,624.16
R$10,000,000.00
7 R$ 8,705,290.83
8 R$ 7,419,586.73 R$5,000,000.00

9 R$ 6,260,439.51 R$-
0 1 2 3 4 5 6 7 8 9 10
10 R$ 5,214,493.92 R$(5,000,000.00)
11 R$ 4,269,903.32 R$(10,000,000.00)
12 R$ 3,416,148.03
Entradas Saídas
13 R$ 2,643,876.88
14 R$ 1,944,768.84
15 R$ 1,311,412.09
16 R$ 737,198.06
17 R$ 216,228.70
18 -R$ 256,764.98
19 -R$ 686,494.41
20 -R$ 1,077,176.37
 VPL x Taxa Juros
R$ 25,000,000.00

R$ 20,000,000.00

R$ 15,000,000.00

R$ 10,000,000.00

R$ 5,000,000.00
8 9 10
R$ 0.00
0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

-R$ 5,000,000.00
 Alternativa I Alternativa J TMA 12%
Investimento inicial -R$ 50,000.00 -R$ 20,000.00
Dividendos anuais R$ 20,000.00 R$ 6,000.00
Prazo em anos 5 5

Fluxo de Caixa - Alternativa I Fluxo de Caixa - Alternativ

Período Entradas Saídas Total Período Entradas
0 R$ - -R$ 50,000.00 -R$ 50,000.00 0 R$ -
1 R$ 20,000.00 R$ - R$ 20,000.00 1 R$ 6,000.00
2 R$ 20,000.00 R$ - R$ 20,000.00 2 R$ 6,000.00
3 R$ 20,000.00 R$ - R$ 20,000.00 3 R$ 6,000.00
4 R$ 20,000.00 R$ - R$ 20,000.00 4 R$ 6,000.00
5 R$ 20,000.00 R$ - R$ 20,000.00 5 R$ 6,000.00

Taxa Juros VPLI VPLJ

0 R$ 50,000.00 R$ 10,000.00 Fluxo de Caixa Alternati
1 R$ 47,068.62 R$ 9,120.59 R$30,000.00
2 R$ 44,269.19 R$ 8,280.76 R$20,000.00
3 R$ 41,594.14 R$ 7,478.24 R$10,000.00
4 R$ 39,036.45 R$ 6,710.93 R$-
5 R$ 36,589.53 R$ 5,976.86 0 1 2 3
R$(10,000.00)
6 R$ 34,247.28 R$ 5,274.18
R$(20,000.00)
7 R$ 32,003.95 R$ 4,601.18
R$(30,000.00)
8 R$ 29,854.20 R$ 3,956.26
9 R$ 27,793.03 R$ 3,337.91 R$(40,000.00)

10 R$ 25,815.74 R$ 2,744.72 R$(50,000.00)

11 R$ 23,917.94 R$ 2,175.38 R$(60,000.00)
12 R$ 22,095.52 R$ 1,628.66
Entradas Saídas
13 R$ 20,344.63 R$ 1,103.39
14 R$ 18,661.62 R$ 598.49
15 R$ 17,043.10 R$ 112.93 VPL x Taxa Juros
16 R$ 15,485.87 -R$ 354.24 R$ 60,000.00
17 R$ 13,986.92 -R$ 803.92
R$ 50,000.00 Alte
18 R$ 12,543.42 -R$ 1,236.97 rnati
R$ 40,000.00 va I
R$ 30,000.00

R$ 20,000.00 Alterna
ti
 VPL x Taxa Juros
R$ 60,000.00

R$ 50,000.00 Alte
rnati
19 R$ 11,152.70 -R$ 1,654.19 R$ 40,000.00 va I
20 R$ 9,812.24 -R$ 2,056.33 R$ 30,000.00

R$ 20,000.00 Alterna
ti v a J
R$ 10,000.00

R$ 0.00
0 1 2 3 4 5 6 7 8 9 10 11 1
-R$ 10,000.00
 1)
o de Caixa - Alternativa J TIR I VPL I TIR J VPL J
Saídas Total 28.65% R$ 22,095.52 15.24% R$ 1,628.66
-R$ 20,000.00 -R$ 20,000.00
R$ - R$ 6,000.00 2)TIR J VPL J
R$ - R$ 6,000.00
R$ - R$ 6,000.00 Para uma TMA de 12% a.a., A alternativa I com VPL = R$ 22.095,52 é
preferível a alternativa J com
R$ - R$ 6,000.00 VPL = R$ 1.628,66.
R$ - R$ 6,000.00

de Caixa Alternativa I Fluxo de Caixa Alternativa J

R$10,000.00

R$5,000.00

R$-
0 1 2 3 4 5
2 3 4 5
R$(5,000.00)

R$(10,000.00)

R$(15,000.00)

R$(20,000.00)

R$(25,000.00)

Entradas Saídas Entradas Saídas

VPL x Taxa Juros

erna
ti va I

ti
VPL x Taxa Juros

erna
ti va I

ti v a J

6 7 8 9 10 11 12 13 14 15 16 17 18 19 20
5
 Alternativa A Alternativa B Fluxo de Caixa - Alternativa A
Custo inicial -R$ 40,000.00 -R$ 45,000.00 Período Entradas
Custo anuais -R$ 22,000.00 -R$ 24,500.00 0 R$ -
Receitas R$ 31,000.00 R$ 35,500.00 1 R$ 31,000.00
Valor de venda R$ 10,000.00 R$ 20,500.00 2 R$ 31,000.00
Vida útil 6 4 3 R$ 31,000.00
4 R$ 31,000.00
5 R$ 31,000.00
TMA (%) VPLA VPLB ΔVPL 6 R$ 41,000.00
10 R$ 7,575.32 R$ 8,319.28 R$ 743.96 7 R$ 31,000.00
11 R$ 5,250.39 R$ 5,505.55 R$ 255.16 8 R$ 31,000.00
12 R$ 3,117.19 R$ 2,934.62 -R$ 182.56 9 R$ 31,000.00
13 R$ 1,156.33 R$ 581.36 -R$ 574.96 10 R$ 31,000.00
14 -R$ 649.38 -R$ 1,576.49 -R$ 927.11 11 R$ 31,000.00
15 -R$ 2,315.19 -R$ 3,558.64 -R$ 1,243.46 12 R$ 41,000.00

Para uma TMA de 10% a.a. a Alternativa A é preferível pois TIR 13.63%
ΔVPL = R$ 743,96. E para
uma TMA de 15% a.a., a Alternativa B é preferível, pois
ΔVPL = -R$1243,46.

Fluxo de Caixa Alternativa A

R$60,000.00 R$80,000.00

R$40,000.00 R$60,000.00

R$20,000.00 R$40,000.00

R$20,000.00
R$-
0 1 2 3 4 5 6 7 8 9 10 11 12 R$-
R$(20,000.00) 0 1 2
R$(20,000.00)
R$(40,000.00)
R$(40,000.00)
R$(60,000.00) R$(60,000.00)
R$20,000.00 R$40,000.00

R$20,000.00
R$-
0 1 2 3 4 5 6 7 8 9 10 11 12 R$-
R$(20,000.00) 0 1 2
R$(20,000.00)
R$(40,000.00)
R$(40,000.00)
R$(60,000.00) R$(60,000.00)
R$(80,000.00) R$(80,000.00)

Entradas Saídas
 de Caixa - Alternativa A Fluxo de Caixa - Alternativa B
Saídas Total Período Entradas Saídas Total
-R$ 40,000.00 -R$ 40,000.00 0 R$ - -R$ 45,000.00 -R$ 45,000.00
-R$ 22,000.00 R$ 9,000.00 1 R$ 35,500.00 -R$ 24,500.00 R$ 11,000.00
-R$ 22,000.00 R$ 9,000.00 2 R$ 35,500.00 -R$ 24,500.00 R$ 11,000.00
-R$ 22,000.00 R$ 9,000.00 3 R$ 35,500.00 -R$ 24,500.00 R$ 11,000.00
-R$ 22,000.00 R$ 9,000.00 4 R$ 56,000.00 -R$ 69,500.00 -R$ 13,500.00
-R$ 22,000.00 R$ 9,000.00 5 R$ 35,500.00 -R$ 24,500.00 R$ 11,000.00
-R$ 62,000.00 -R$ 21,000.00 6 R$ 35,500.00 -R$ 24,500.00 R$ 11,000.00
-R$ 22,000.00 R$ 9,000.00 7 R$ 35,500.00 -R$ 24,500.00 R$ 11,000.00
-R$ 22,000.00 R$ 9,000.00 8 R$ 56,000.00 -R$ 69,500.00 -R$ 13,500.00
-R$ 22,000.00 R$ 9,000.00 9 R$ 35,500.00 -R$ 24,500.00 R$ 11,000.00
-R$ 22,000.00 R$ 9,000.00 10 R$ 35,500.00 -R$ 24,500.00 R$ 11,000.00
-R$ 22,000.00 R$ 9,000.00 11 R$ 35,500.00 -R$ 24,500.00 R$ 11,000.00
-R$ 22,000.00 R$ 19,000.00 12 R$ 56,000.00 -R$ 24,500.00 R$ 31,500.00

TIR 13.26%

Fluxo de Caixa Alternativa B VPL x Taxa Juros

R$80,000.00 R$ 10,000.00
Alt
R$60,000.00 R$ 8,000.00 ern
ati
R$40,000.00 Alt va
R$ 6,000.00
ern B
R$20,000.00 ativ
R$-
R$ 4,000.00
aB
0 1 2 3 4 5 6 7 8 9 10 11 12 R$ 2,000.00
R$(20,000.00)
R$ -
R$(40,000.00) 10 11 12 13
R$(60,000.00) -R$ 2,000.00

-R$ 4,000.00
 ati
R$40,000.00 Alt va
R$ 6,000.00
ern B
R$20,000.00 ativ
R$-
R$ 4,000.00
aB
0 1 2 3 4 5 6 7 8 9 10 11 12 R$ 2,000.00
R$(20,000.00)
R$ -
R$(40,000.00) 10 11 12 13
R$(60,000.00) -R$ 2,000.00

R$(80,000.00) -R$ 4,000.00

Entradas Saídas -R$ 6,000.00

VPL x Taxa Juros

nati
va
B
aB

1 12 13 14 15
 ati
va
B
aB

1 12 13 14 15
Período Entradas Saídas Total VFL (FLUXO CAIXA) VFL (com VULE)
0 R$ - -R$ 800,000.00 -R$ 800,000.00 -R$ 800,000.00 -R$ 800,000.00
1 R$ 160,000.00 R$ - R$ 160,000.00 -R$ 736,000.00 -R$ 724,603.17
2 R$ 160,000.00 R$ - R$ 160,000.00 -R$ 664,320.00 -R$ 640,158.71
3 R$ 160,000.00 R$ - R$ 160,000.00 -R$ 584,038.40 -R$ 545,580.93
4 R$ 160,000.00 R$ - R$ 160,000.00 -R$ 494,123.01 -R$ 439,653.81
5 R$ 160,000.00 R$ - R$ 160,000.00 -R$ 393,417.77 -R$ 321,015.43
6 R$ 160,000.00 R$ - R$ 160,000.00 -R$ 280,627.90 -R$ 188,140.45
7 R$ 160,000.00 R$ - R$ 160,000.00 -R$ 154,303.25 -R$ 39,320.47
8 R$ 160,000.00 R$ - R$ 160,000.00 -R$ 12,819.64 R$ 127,357.91
9 R$ 160,000.00 R$ - R$ 160,000.00 R$ 145,642.00 R$ 314,037.69
10 R$ 360,000.00 R$ - R$ 360,000.00 R$ 523,119.04 R$ 523,119.04

Fluxo de Caixa
R$600,000.00

R$400,000.00

R$200,000.00

R$-
0 1 2 3 4 5 6 7 8 9 10
R$(200,000.00)

R$(400,000.00)

R$(600,000.00)

R$(800,000.00)

R$(1,000,000.00)

Entradas Saídas
 TMA 12%
VFL R$ 523,119.04
VULE R$ 171,396.83

Payback VFL (com VULE) Payback VFL (FLUXO CAIXA)

7.25 8.08

VFL x Períodos
R$ 600,000.00

R$ 400,000.00

R$ 200,000.00

R$ -
10 0 1 2 3 4 5 6 7 8 9 10
-R$ 200,000.00

-R$ 400,000.00

-R$ 600,000.00

-R$ 800,000.00

-R$ 1,000,000.00

VFL (FLUXO CAIXA) VFL (com VULE)

 Taxa VULE 10 anos VULE 20 anos
10.00% R$ 40,000,000.00 R$ 32,500,000.00

10 anos
Período Entradas Saídas Total
-3 R$ - -R$ 30,000,000.00 -R$ 30,000,000.00
Construção -2 R$ - -R$ 100,000,000.00 -R$ 100,000,000.00
-1 R$ - -R$ 70,000,000.00 -R$ 70,000,000.00
1 R$ 40,000,000.00 R$ - R$ 40,000,000.00
2 R$ 40,000,000.00 R$ - R$ 40,000,000.00
3 R$ 40,000,000.00 R$ - R$ 40,000,000.00
4 R$ 40,000,000.00 R$ - R$ 40,000,000.00
5 R$ 40,000,000.00 R$ - R$ 40,000,000.00
6 R$ 40,000,000.00 R$ - R$ 40,000,000.00
7 R$ 40,000,000.00 R$ - R$ 40,000,000.00
8 R$ 40,000,000.00 R$ - R$ 40,000,000.00
9 R$ 40,000,000.00 R$ - R$ 40,000,000.00
10 R$ 40,000,000.00 R$ - R$ 40,000,000.00
Uso
11 R$ - R$ -
12 R$ - R$ -
13 R$ - R$ -
14 R$ - R$ -
15 R$ - R$ -
16 R$ - R$ -
17 R$ - R$ -
18 R$ - R$ -
19 R$ - R$ -
20 R$ - R$ -

VFL Payback
10 anos 20 anos 10 anos
0 -R$ 237,930,000.00 -R$ 237,930,000.00 R$ 9.48
1 -R$ 221,723,000.00 -R$ 229,223,000.00
2 -R$ 203,895,300.00 -R$ 219,645,300.00
3 -R$ 184,284,830.00 -R$ 209,109,830.00 Embora a altern
apresente um Payback de 9,48
4 -R$ 162,713,313.00 -R$ 197,520,813.00 preferível p
5 -R$ 138,984,644.30 -R$ 184,772,894.30
6 -R$ 112,883,108.73 -R$ 170,750,183.73
7 -R$ 84,171,419.60 -R$ 155,325,202.10
VF
R$ 300,000,000.00

R$ 200,000,000.00
 8 -R$ 52,588,561.56 -R$ 138,357,722.31 VF
9 -R$ 17,847,417.72 -R$ 119,693,494.54 R$ 300,000,000.00
10 R$ 20,367,840.51 -R$ 99,162,844.00
11 -R$ 76,579,128.40 R$ 200,000,000.00
12 -R$ 51,737,041.24
R$ 100,000,000.00
13 -R$ 24,410,745.36
14 R$ 5,648,180.10 R$ -
1 2 3 4 5
15 R$ 38,712,998.11
16 R$ 75,084,297.92 -R$ 100,000,000.00

17 R$ 115,092,727.71 -R$ 200,000,000.00

18 R$ 159,102,000.49
19 R$ 207,512,200.53 -R$ 300,000,000.00
20 R$ 260,763,420.59
 20 anos
Entradas Saídas Total Período
R$ - -R$ 30,000,000.00 -R$ 30,000,000.00 Construção 0
R$ - -R$ 100,000,000.00 -R$ 100,000,000.00 1
R$ - -R$ 70,000,000.00 -R$ 70,000,000.00 2
R$ 32,500,000.00 R$ - R$ 32,500,000.00 3
R$ 32,500,000.00 R$ - R$ 32,500,000.00 4
R$ 32,500,000.00 R$ - R$ 32,500,000.00 5
R$ 32,500,000.00 R$ - R$ 32,500,000.00 6
R$ 32,500,000.00 R$ - R$ 32,500,000.00 7
R$ 32,500,000.00 R$ - R$ 32,500,000.00 8
R$ 32,500,000.00 R$ - R$ 32,500,000.00 9
R$ 32,500,000.00 R$ - R$ 32,500,000.00 10
Uso
R$ 32,500,000.00 R$ - R$ 32,500,000.00 11
R$ 32,500,000.00 R$ - R$ 32,500,000.00 12
R$ 32,500,000.00 R$ - R$ 32,500,000.00 13
R$ 32,500,000.00 R$ - R$ 32,500,000.00 14
R$ 32,500,000.00 R$ - R$ 32,500,000.00 15
R$ 32,500,000.00 R$ - R$ 32,500,000.00 16
R$ 32,500,000.00 R$ - R$ 32,500,000.00 17
R$ 32,500,000.00 R$ - R$ 32,500,000.00 18
R$ 32,500,000.00 R$ - R$ 32,500,000.00 19
R$ 32,500,000.00 R$ - R$ 32,500,000.00 20
R$ 32,500,000.00 R$ - R$ 32,500,000.00
R$ 32,500,000.00 R$ - R$ 32,500,000.00

Payback Fluxo Caixa Operação 10 a

20 anos R$60,000,000.00
R$ 13.82
R$40,000,000.00
R$20,000,000.00

Embora a alternativa de operação de 10 anos R$-

-3 -2 -1 1 2 3 4 5 6 7 8 9 10 1
te um Payback de 9,48 anos, a alternativa de operação de 20 anos é R$(20,000,000.00)
preferível por apresentar Payback de
13,82 anos. R$(40,000,000.00)
R$(60,000,000.00)
R$(80,000,000.00)
VFL x Períodos R$(100,000,000.00)

00.00 R$(120,000,000.00)

Entradas Saídas
00.00
 R$(20,000,000.00)
R$(40,000,000.00)
R$(60,000,000.00)
R$(80,000,000.00)
VFL x Períodos R$(100,000,000.00)

00.00 R$(120,000,000.00)

Entradas Saídas
00.00

00.00
Fluxo Caixa Operação 20 a
R$ - R$60,000,000.00
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21
R$40,000,000.00
00.00
R$20,000,000.00
00.00 R$-
-3 -2 -1 1 2 3 4 5 6 7 8 9 10 1
R$(20,000,000.00)
00.00
R$(40,000,000.00)
10 anos 20 anos
R$(60,000,000.00)
R$(80,000,000.00)
R$(100,000,000.00)
R$(120,000,000.00)

Entradas Saídas
 10 anos 20 anos
Entradas Saídas Total Entradas Saídas
R$ - -R$237,930,000.00 -R$ 237,930,000.00 R$ - -R$ 237,930,000.00
R$ 40,000,000.00 R$ - R$ 40,000,000.00 R$ 32,500,000.00 R$ -
R$ 40,000,000.00 R$ - R$ 40,000,000.00 R$ 32,500,000.00 R$ -
R$ 40,000,000.00 R$ - R$ 40,000,000.00 R$ 32,500,000.00 R$ -
R$ 40,000,000.00 R$ - R$ 40,000,000.00 R$ 32,500,000.00 R$ -
R$ 40,000,000.00 R$ - R$ 40,000,000.00 R$ 32,500,000.00 R$ -
R$ 40,000,000.00 R$ - R$ 40,000,000.00 R$ 32,500,000.00 R$ -
R$ 40,000,000.00 R$ - R$ 40,000,000.00 R$ 32,500,000.00 R$ -
R$ 40,000,000.00 R$ - R$ 40,000,000.00 R$ 32,500,000.00 R$ -
R$ 40,000,000.00 R$ - R$ 40,000,000.00 R$ 32,500,000.00 R$ -
R$ 40,000,000.00 R$ - R$ 40,000,000.00 R$ 32,500,000.00 R$ -
R$ - R$ - R$ 32,500,000.00 R$ -
R$ - R$ - R$ 32,500,000.00 R$ -
R$ - R$ - R$ 32,500,000.00 R$ -
R$ - R$ - R$ 32,500,000.00 R$ -
R$ - R$ - R$ 32,500,000.00 R$ -
R$ - R$ - R$ 32,500,000.00 R$ -
R$ - R$ - R$ 32,500,000.00 R$ -
R$ - R$ - R$ 32,500,000.00 R$ -
R$ - R$ - R$ 32,500,000.00 R$ -
R$ - R$ - R$ 32,500,000.00 R$ -

Fluxo Caixa Operação 10 anos Fluxo Caixa Operação 10 anos

R$100,000,000.00

R$50,000,000.00

R$-
0 1 2 3 4 5 6 7
R$(50,000,000.00)
-2 -1 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20
R$(100,000,000.00)

R$(150,000,000.00)

R$(200,000,000.00)

R$(250,000,000.00)

R$(300,000,000.00)

Entradas Saídas Entradas Saídas

 R$(100,000,000.00)

R$(150,000,000.00)

R$(200,000,000.00)

R$(250,000,000.00)

R$(300,000,000.00)

Entradas Saídas Entradas Saídas

Fluxo Caixa Operação 20 anos Fluxo Caixa Operação 20 anos

R$50,000,000.00

R$-
0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15
R$(50,000,000.00)
-2 -1 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20
R$(100,000,000.00)

R$(150,000,000.00)

R$(200,000,000.00)

R$(250,000,000.00)

R$(300,000,000.00)

Entradas Saídas Entradas Saídas

os
Total
-R$ 237,930,000.00
R$ 32,500,000.00
R$ 32,500,000.00
R$ 32,500,000.00
R$ 32,500,000.00
R$ 32,500,000.00
R$ 32,500,000.00
R$ 32,500,000.00
R$ 32,500,000.00
R$ 32,500,000.00
R$ 32,500,000.00
R$ 32,500,000.00
R$ 32,500,000.00
R$ 32,500,000.00
R$ 32,500,000.00
R$ 32,500,000.00
R$ 32,500,000.00
R$ 32,500,000.00
R$ 32,500,000.00
R$ 32,500,000.00
R$ 32,500,000.00

Operação 10 anos

3 4 5 6 7 8 9 10

adas Saídas
adas Saídas

Operação 20 anos

7 8 9 10 11 12 13 14 15 16 17 18 19 20

adas Saídas
 Fluxo de Caixa
VULE R$ 36,000.00 Período Entradas Saídas Total
TMA 9% 0 R$ - -R$ 67,000.00 -R$ 67,000.00
1 R$ 36,000.00 R$ - R$ 36,000.00
2 R$ 36,000.00 R$ - R$ 36,000.00

Fluxo de Caixa
R$60,000.00 R$ 0.00
1
R$40,000.00 -R$ 10,000.00

R$20,000.00 -R$ 20,000.00

R$- -R$ 30,000.00

0 1 2
R$(20,000.00) -R$ 40,000.00

R$(40,000.00) -R$ 50,000.00

R$(60,000.00) -R$ 60,000.00

R$(80,000.00) -R$ 70,000.00

Entradas Saídas -R$ 80,000.00

 Sob uma TMA de 9%, o Payback é de 2,13
anos. Sob as circunstâncias de
VFL (FLUXO CAIXA) VFL (VULE) Payback VFL (com VULE)
funcionamento
-R$ 67,000.00 -R$ 67,000.00 2.13 anos descritas, não recomenda-se a compra.
-R$ 37,030.00 -R$ 37,030.00
-R$ 4,362.70 -R$ 4,362.70

VFL x Períodos
R$ 0.00
1 2 3
-R$ 10,000.00

-R$ 20,000.00

-R$ 30,000.00

-R$ 40,000.00

-R$ 50,000.00

-R$ 60,000.00

-R$ 70,000.00

-R$ 80,000.00
 Payback é de 2,13
unstâncias de
mento
nda-se a compra.
 Fluxo de Caixa
Período Entradas Saídas Total VFL (FLUXO CAIXA) VFL (com VULE) TIR
0 R$ - -R$ 45.00 -R$ 45.00 -R$ 45.00 -R$ 45.00 VULE
1 R$ 12.00 R$ - R$ 12.00 -R$ 38.40 -R$ 38.40 Payback
2 R$ 12.00 R$ - R$ 12.00 -R$ 31.01 -R$ 31.01
3 R$ 12.00 R$ - R$ 12.00 -R$ 22.73 -R$ 22.73
4 R$ 12.00 R$ - R$ 12.00 -R$ 13.46 -R$ 13.46
5 R$ 12.00 R$ - R$ 12.00 -R$ 3.07 -R$ 3.07 R$20.00
6 R$ 12.00 R$ - R$ 12.00 R$ 8.56 R$ 8.56
7 R$ 12.00 R$ - R$ 12.00 R$ 21.59 R$10.00
R$ 21.59
8 R$ 12.00 R$ - R$ 12.00 R$ 36.18 R$ 36.18 R$-
0 1 2 3 4 5
9 R$ 12.00 R$ - R$ 12.00 R$ 52.52 R$ 52.52
R$(10.00)
10 R$ 12.00 R$ - R$ 12.00 R$ 70.82 R$ 70.82
11 R$ 12.00 R$ - R$ 12.00 R$ 91.32 R$ 91.32 R$(20.00)
12 R$ 12.00 R$ - R$ 12.00 R$ 114.28 R$ 114.28 R$(30.00)
13 R$ 12.00 R$ - R$ 12.00 R$ 139.99 R$ 139.99
14 R$ 12.00 R$ - R$ 12.00 R$ 168.79 R$(40.00)
R$ 168.79
15 R$ 12.00 R$ - R$ 12.00 R$ 201.05 R$ 201.05 R$(50.00)
16 R$ 12.00 R$ - R$ 12.00 R$ 237.17 R$ 237.17
17 R$ 12.00 R$ - R$ 12.00 R$ 277.63 R$ 277.63
18 R$ 12.00 R$ - R$ 12.00 R$ 322.95 R$ 322.95
19 R$ 12.00 R$ - R$ 12.00 R$ 373.70 R$ 373.70
20 R$ 12.00 R$ - R$ 12.00 R$ 430.55 R$ 430.55 R$ 500.00

R$ 400.00

R$ 300.00

R$ 200.00

R$ 100.00

R$ 0.00
0 1 2 3 4 5

-R$ 100.00
 12%
R$ 12.00 A vida
5.28 anos útil mínima deverá ser de 5,28 anos.

Fluxo de Caixa
0

0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20
0)

0)

0)

0)

0)

Entradas Saídas

VFL x Períodos
0

0
0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

0
 Fluxo de Caixa
Período Entradas Saídas Total VFL (FLUXO CAIXA) VFL (com VULE)
0 R$0.00 -R$1,200.00 -R$1,200.00 -R$1,200.00 -R$1,200.00
1 R$182.00 R$0.00 R$182.00 -R$1,126.00 -R$1,169.73
2 R$182.00 R$0.00 R$182.00 -R$ 1,045.34 -R$1,136.74
3 R$182.00 R$0.00 R$182.00 -R$ 957.42 -R$1,100.78
4 R$182.00 -R$200.00 -R$18.00 -R$ 1,061.59 -R$1,061.59
5 R$182.00 R$0.00 R$182.00 -R$ 975.13 -R$1,018.87
6 R$182.00 R$0.00 R$182.00 -R$ 880.89 -R$972.30
7 R$182.00 R$0.00 R$182.00 -R$ 778.17 -R$921.54
8 R$182.00 -R$200.00 -R$18.00 -R$ 866.21 -R$866.21
9 R$182.00 R$0.00 R$182.00 -R$ 762.17 -R$805.90
10 R$182.00 R$0.00 R$182.00 -R$ 648.76 -R$740.17
11 R$182.00 R$0.00 R$182.00 -R$ 525.15 -R$668.52
12 R$182.00 -R$200.00 -R$18.00 -R$ 590.42 -R$590.42
13 R$182.00 R$0.00 R$182.00 -R$ 461.55 -R$505.29
14 R$182.00 R$0.00 R$182.00 -R$ 321.09 -R$412.50
15 R$182.00 R$0.00 R$182.00 -R$ 167.99 -R$311.35
16 R$182.00 -R$200.00 -R$18.00 -R$ 201.11 -R$201.11
17 R$182.00 R$0.00 R$182.00 -R$ 37.21 -R$80.94
18 R$182.00 R$0.00 R$182.00 R$ 141.44 R$50.04
19 R$182.00 R$0.00 R$182.00 R$336.17 R$192.81
20 R$182.00 -R$200.00 -R$18.00 R$ 348.43 R$348.43
 TIR 9%
VULE R$138.27
Payback VFL (com VULE) 17.63 anos
Payback VFL (FLUXO CAIXA) 17.21 anos

O Payback do sistema de aquecimento solar é de 17,63 anos por

VULE.

Fluxo de Caixa
R$400.00 R$600.00
R$200.00 R$400.00
R$0.00 R$200.00
0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 R$0.00
-R$200.00 0 1 2 3 4
-R$200.00
-R$400.00
-R$400.00
-R$600.00
-R$600.00
-R$800.00
-R$800.00
-R$1,000.00 -R$1,000.00
-R$1,200.00 -R$1,200.00
-R$1,400.00 -R$1,400.00

Entradas Saídas VFL

 VFL x Períodos
R$600.00
R$400.00
R$200.00
R$0.00
0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20
-R$200.00
-R$400.00
-R$600.00
-R$800.00
R$1,000.00
R$1,200.00
R$1,400.00

VFL (FLUXO CAIXA) VFL (com VULE)

Valor Financiado R$ 1,000,000.00
Taxa Nominal a.a 9% 0.721%
Prazo (meses) 360

SPC
Período Parcela a pagar Juros da parcela Amortização
1 R$7,794.83 R$7,207.32 R$587.51
2 R$7,794.83 R$7,203.09 R$591.74
3 R$7,794.83 R$7,198.82 R$596.00
4 R$7,794.83 R$7,194.53 R$600.30
5 R$7,794.83 R$7,190.20 R$604.63
6 R$7,794.83 R$7,185.84 R$608.98
7 R$7,794.83 R$7,181.46 R$613.37
8 R$7,794.83 R$7,177.03 R$617.79
9 R$7,794.83 R$7,172.58 R$622.25
10 R$7,794.83 R$7,168.10 R$626.73
11 R$7,794.83 R$7,163.58 R$631.25
12 R$7,794.83 R$7,159.03 R$635.80
13 R$7,794.83 R$7,154.45 R$640.38
14 R$7,794.83 R$7,149.83 R$645.00
15 R$7,794.83 R$7,145.18 R$649.64
16 R$7,794.83 R$7,140.50 R$654.33
17 R$7,794.83 R$7,135.79 R$659.04
18 R$7,794.83 R$7,131.04 R$663.79
19 R$7,794.83 R$7,126.25 R$668.58
20 R$7,794.83 R$7,121.43 R$673.40
21 R$7,794.83 R$7,116.58 R$678.25
22 R$7,794.83 R$7,111.69 R$683.14
23 R$7,794.83 R$7,106.77 R$688.06
24 R$7,794.83 R$7,101.81 R$693.02
25 R$7,794.83 R$7,096.81 R$698.01
26 R$7,794.83 R$7,091.78 R$703.05
27 R$7,794.83 R$7,086.72 R$708.11
28 R$7,794.83 R$7,081.61 R$713.22
29 R$7,794.83 R$7,076.47 R$718.36
30 R$7,794.83 R$7,071.29 R$723.53
31 R$7,794.83 R$7,066.08 R$728.75
32 R$7,794.83 R$7,060.83 R$734.00
33 R$7,794.83 R$7,055.54 R$739.29
34 R$7,794.83 R$7,050.21 R$744.62
35 R$7,794.83 R$7,044.84 R$749.99
36 R$7,794.83 R$7,039.44 R$755.39
37 R$7,794.83 R$7,033.99 R$760.84
38 R$7,794.83 R$7,028.51 R$766.32
39 R$7,794.83 R$7,022.99 R$771.84
40 R$7,794.83 R$7,017.42 R$777.41
41 R$7,794.83 R$7,011.82 R$783.01
42 R$7,794.83 R$7,006.18 R$788.65
43 R$7,794.83 R$7,000.49 R$794.34
44 R$7,794.83 R$6,994.77 R$800.06
45 R$7,794.83 R$6,989.00 R$805.83
46 R$7,794.83 R$6,983.19 R$811.64
47 R$7,794.83 R$6,977.34 R$817.49
48 R$7,794.83 R$6,971.45 R$823.38
49 R$7,794.83 R$6,965.52 R$829.31
50 R$7,794.83 R$6,959.54 R$835.29
51 R$7,794.83 R$6,953.52 R$841.31
52 R$7,794.83 R$6,947.46 R$847.37
53 R$7,794.83 R$6,941.35 R$853.48
54 R$7,794.83 R$6,935.20 R$859.63
55 R$7,794.83 R$6,929.00 R$865.83
56 R$7,794.83 R$6,922.76 R$872.07
57 R$7,794.83 R$6,916.48 R$878.35
58 R$7,794.83 R$6,910.15 R$884.68
59 R$7,794.83 R$6,903.77 R$891.06
60 R$7,794.83 R$6,897.35 R$897.48
61 R$7,794.83 R$6,890.88 R$903.95
62 R$7,794.83 R$6,884.36 R$910.46
63 R$7,794.83 R$6,877.80 R$917.03
64 R$7,794.83 R$6,871.19 R$923.64
65 R$7,794.83 R$6,864.54 R$930.29
66 R$7,794.83 R$6,857.83 R$937.00
67 R$7,794.83 R$6,851.08 R$943.75
68 R$7,794.83 R$6,844.28 R$950.55
69 R$7,794.83 R$6,837.42 R$957.40
70 R$7,794.83 R$6,830.52 R$964.30
71 R$7,794.83 R$6,823.57 R$971.25
 72 R$7,794.83 R$6,816.57 R$978.25
73 R$7,794.83 R$6,809.52 R$985.30
74 R$7,794.83 R$6,802.42 R$992.41
75 R$7,794.83 R$6,795.27 R$999.56
76 R$7,794.83 R$6,788.07 R$1,006.76
77 R$7,794.83 R$6,780.81 R$1,014.02
78 R$7,794.83 R$6,773.50 R$1,021.33
79 R$7,794.83 R$6,766.14 R$1,028.69
80 R$7,794.83 R$6,758.73 R$1,036.10
81 R$7,794.83 R$6,751.26 R$1,043.57
82 R$7,794.83 R$6,743.74 R$1,051.09
83 R$7,794.83 R$6,736.16 R$1,058.67
84 R$7,794.83 R$6,728.53 R$1,066.30
85 R$7,794.83 R$6,720.85 R$1,073.98
86 R$7,794.83 R$6,713.11 R$1,081.72
87 R$7,794.83 R$6,705.31 R$1,089.52
88 R$7,794.83 R$6,697.46 R$1,097.37
89 R$7,794.83 R$6,689.55 R$1,105.28
90 R$7,794.83 R$6,681.58 R$1,113.25
91 R$7,794.83 R$6,673.56 R$1,121.27
92 R$7,794.83 R$6,665.48 R$1,129.35
93 R$7,794.83 R$6,657.34 R$1,137.49
94 R$7,794.83 R$6,649.14 R$1,145.69
95 R$7,794.83 R$6,640.88 R$1,153.95
96 R$7,794.83 R$6,632.56 R$1,162.26
97 R$7,794.83 R$6,624.19 R$1,170.64
98 R$7,794.83 R$6,615.75 R$1,179.08
99 R$7,794.83 R$6,607.25 R$1,187.58
100 R$7,794.83 R$6,598.69 R$1,196.14
101 R$7,794.83 R$6,590.07 R$1,204.76
102 R$7,794.83 R$6,581.39 R$1,213.44
103 R$7,794.83 R$6,572.64 R$1,222.18
104 R$7,794.83 R$6,563.83 R$1,230.99
105 R$7,794.83 R$6,554.96 R$1,239.87
106 R$7,794.83 R$6,546.03 R$1,248.80
107 R$7,794.83 R$6,537.03 R$1,257.80
108 R$7,794.83 R$6,527.96 R$1,266.87
109 R$7,794.83 R$6,518.83 R$1,276.00
110 R$7,794.83 R$6,509.63 R$1,285.19
111 R$7,794.83 R$6,500.37 R$1,294.46
112 R$7,794.83 R$6,491.04 R$1,303.79
113 R$7,794.83 R$6,481.64 R$1,313.18
114 R$7,794.83 R$6,472.18 R$1,322.65
115 R$7,794.83 R$6,462.65 R$1,332.18
116 R$7,794.83 R$6,453.05 R$1,341.78
117 R$7,794.83 R$6,443.37 R$1,351.45
118 R$7,794.83 R$6,433.63 R$1,361.19
119 R$7,794.83 R$6,423.82 R$1,371.00
120 R$7,794.83 R$6,413.94 R$1,380.89
121 R$7,794.83 R$6,403.99 R$1,390.84
122 R$7,794.83 R$6,393.97 R$1,400.86
123 R$7,794.83 R$6,383.87 R$1,410.96
124 R$7,794.83 R$6,373.70 R$1,421.13
125 R$7,794.83 R$6,363.46 R$1,431.37
126 R$7,794.83 R$6,353.14 R$1,441.69
127 R$7,794.83 R$6,342.75 R$1,452.08
128 R$7,794.83 R$6,332.29 R$1,462.54
129 R$7,794.83 R$6,321.74 R$1,473.08
130 R$7,794.83 R$6,311.13 R$1,483.70
131 R$7,794.83 R$6,300.43 R$1,494.39
132 R$7,794.83 R$6,289.66 R$1,505.17
133 R$7,794.83 R$6,278.81 R$1,516.01
134 R$7,794.83 R$6,267.89 R$1,526.94
135 R$7,794.83 R$6,256.88 R$1,537.95
136 R$7,794.83 R$6,245.80 R$1,549.03
137 R$7,794.83 R$6,234.63 R$1,560.19
138 R$7,794.83 R$6,223.39 R$1,571.44
139 R$7,794.83 R$6,212.06 R$1,582.76
140 R$7,794.83 R$6,200.66 R$1,594.17
141 R$7,794.83 R$6,189.17 R$1,605.66
142 R$7,794.83 R$6,177.59 R$1,617.23
143 R$7,794.83 R$6,165.94 R$1,628.89
144 R$7,794.83 R$6,154.20 R$1,640.63
145 R$7,794.83 R$6,142.37 R$1,652.45
146 R$7,794.83 R$6,130.46 R$1,664.36
147 R$7,794.83 R$6,118.47 R$1,676.36
148 R$7,794.83 R$6,106.39 R$1,688.44
149 R$7,794.83 R$6,094.22 R$1,700.61
150 R$7,794.83 R$6,081.96 R$1,712.87
151 R$7,794.83 R$6,069.61 R$1,725.21
152 R$7,794.83 R$6,057.18 R$1,737.65
153 R$7,794.83 R$6,044.66 R$1,750.17
154 R$7,794.83 R$6,032.04 R$1,762.79
155 R$7,794.83 R$6,019.34 R$1,775.49
156 R$7,794.83 R$6,006.54 R$1,788.29
157 R$7,794.83 R$5,993.65 R$1,801.18
158 R$7,794.83 R$5,980.67 R$1,814.16
159 R$7,794.83 R$5,967.60 R$1,827.23
160 R$7,794.83 R$5,954.43 R$1,840.40
161 R$7,794.83 R$5,941.16 R$1,853.67
162 R$7,794.83 R$5,927.80 R$1,867.03
163 R$7,794.83 R$5,914.35 R$1,880.48
164 R$7,794.83 R$5,900.79 R$1,894.04
165 R$7,794.83 R$5,887.14 R$1,907.69
166 R$7,794.83 R$5,873.39 R$1,921.44
167 R$7,794.83 R$5,859.54 R$1,935.28
168 R$7,794.83 R$5,845.60 R$1,949.23
169 R$7,794.83 R$5,831.55 R$1,963.28
170 R$7,794.83 R$5,817.40 R$1,977.43
171 R$7,794.83 R$5,803.14 R$1,991.68
172 R$7,794.83 R$5,788.79 R$2,006.04
173 R$7,794.83 R$5,774.33 R$2,020.50
174 R$7,794.83 R$5,759.77 R$2,035.06
175 R$7,794.83 R$5,745.10 R$2,049.73
176 R$7,794.83 R$5,730.33 R$2,064.50
177 R$7,794.83 R$5,715.45 R$2,079.38
178 R$7,794.83 R$5,700.46 R$2,094.37
179 R$7,794.83 R$5,685.37 R$2,109.46
180 R$7,794.83 R$5,670.16 R$2,124.66
181 R$7,794.83 R$5,654.85 R$2,139.98
182 R$7,794.83 R$5,639.43 R$2,155.40
183 R$7,794.83 R$5,623.89 R$2,170.94
184 R$7,794.83 R$5,608.25 R$2,186.58
185 R$7,794.83 R$5,592.49 R$2,202.34
186 R$7,794.83 R$5,576.61 R$2,218.21
187 R$7,794.83 R$5,560.63 R$2,234.20
188 R$7,794.83 R$5,544.52 R$2,250.30
189 R$7,794.83 R$5,528.31 R$2,266.52
190 R$7,794.83 R$5,511.97 R$2,282.86
191 R$7,794.83 R$5,495.52 R$2,299.31
192 R$7,794.83 R$5,478.94 R$2,315.88
193 R$7,794.83 R$5,462.25 R$2,332.57
194 R$7,794.83 R$5,445.44 R$2,349.39
195 R$7,794.83 R$5,428.51 R$2,366.32
196 R$7,794.83 R$5,411.45 R$2,383.37
197 R$7,794.83 R$5,394.28 R$2,400.55
198 R$7,794.83 R$5,376.98 R$2,417.85
199 R$7,794.83 R$5,359.55 R$2,435.28
200 R$7,794.83 R$5,342.00 R$2,452.83
201 R$7,794.83 R$5,324.32 R$2,470.51
202 R$7,794.83 R$5,306.51 R$2,488.32
203 R$7,794.83 R$5,288.58 R$2,506.25
204 R$7,794.83 R$5,270.52 R$2,524.31
205 R$7,794.83 R$5,252.32 R$2,542.51
206 R$7,794.83 R$5,234.00 R$2,560.83
207 R$7,794.83 R$5,215.54 R$2,579.29
208 R$7,794.83 R$5,196.95 R$2,597.88
209 R$7,794.83 R$5,178.23 R$2,616.60
210 R$7,794.83 R$5,159.37 R$2,635.46
211 R$7,794.83 R$5,140.37 R$2,654.45
212 R$7,794.83 R$5,121.24 R$2,673.59
213 R$7,794.83 R$5,101.97 R$2,692.86
214 R$7,794.83 R$5,082.56 R$2,712.26
215 R$7,794.83 R$5,063.02 R$2,731.81
216 R$7,794.83 R$5,043.33 R$2,751.50
217 R$7,794.83 R$5,023.50 R$2,771.33
218 R$7,794.83 R$5,003.52 R$2,791.31
219 R$7,794.83 R$4,983.40 R$2,811.42
220 R$7,794.83 R$4,963.14 R$2,831.69
221 R$7,794.83 R$4,942.73 R$2,852.10
222 R$7,794.83 R$4,922.18 R$2,872.65
223 R$7,794.83 R$4,901.47 R$2,893.36
224 R$7,794.83 R$4,880.62 R$2,914.21
225 R$7,794.83 R$4,859.62 R$2,935.21
226 R$7,794.83 R$4,838.46 R$2,956.37
227 R$7,794.83 R$4,817.15 R$2,977.68
228 R$7,794.83 R$4,795.69 R$2,999.14
229 R$7,794.83 R$4,774.08 R$3,020.75
230 R$7,794.83 R$4,752.30 R$3,042.52
231 R$7,794.83 R$4,730.38 R$3,064.45
232 R$7,794.83 R$4,708.29 R$3,086.54
233 R$7,794.83 R$4,686.04 R$3,108.78
234 R$7,794.83 R$4,663.64 R$3,131.19
235 R$7,794.83 R$4,641.07 R$3,153.76
236 R$7,794.83 R$4,618.34 R$3,176.49
237 R$7,794.83 R$4,595.45 R$3,199.38
238 R$7,794.83 R$4,572.39 R$3,222.44
239 R$7,794.83 R$4,549.16 R$3,245.67
240 R$7,794.83 R$4,525.77 R$3,269.06
241 R$7,794.83 R$4,502.21 R$3,292.62
242 R$7,794.83 R$4,478.48 R$3,316.35
243 R$7,794.83 R$4,454.58 R$3,340.25
244 R$7,794.83 R$4,430.50 R$3,364.33
245 R$7,794.83 R$4,406.25 R$3,388.57
246 R$7,794.83 R$4,381.83 R$3,413.00
247 R$7,794.83 R$4,357.23 R$3,437.60
248 R$7,794.83 R$4,332.46 R$3,462.37
249 R$7,794.83 R$4,307.50 R$3,487.33
250 R$7,794.83 R$4,282.37 R$3,512.46
251 R$7,794.83 R$4,257.05 R$3,537.78
252 R$7,794.83 R$4,231.55 R$3,563.27
253 R$7,794.83 R$4,205.87 R$3,588.96
254 R$7,794.83 R$4,180.01 R$3,614.82
255 R$7,794.83 R$4,153.95 R$3,640.88
256 R$7,794.83 R$4,127.71 R$3,667.12
257 R$7,794.83 R$4,101.28 R$3,693.55
258 R$7,794.83 R$4,074.66 R$3,720.17
259 R$7,794.83 R$4,047.85 R$3,746.98
260 R$7,794.83 R$4,020.84 R$3,773.99
261 R$7,794.83 R$3,993.64 R$3,801.19
262 R$7,794.83 R$3,966.25 R$3,828.58
263 R$7,794.83 R$3,938.65 R$3,856.18
264 R$7,794.83 R$3,910.86 R$3,883.97
265 R$7,794.83 R$3,882.87 R$3,911.96
266 R$7,794.83 R$3,854.67 R$3,940.16
267 R$7,794.83 R$3,826.27 R$3,968.55
268 R$7,794.83 R$3,797.67 R$3,997.16
269 R$7,794.83 R$3,768.86 R$4,025.97
270 R$7,794.83 R$3,739.85 R$4,054.98
271 R$7,794.83 R$3,710.62 R$4,084.21
272 R$7,794.83 R$3,681.18 R$4,113.64
273 R$7,794.83 R$3,651.54 R$4,143.29
274 R$7,794.83 R$3,621.67 R$4,173.15
275 R$7,794.83 R$3,591.60 R$4,203.23
276 R$7,794.83 R$3,561.30 R$4,233.53
277 R$7,794.83 R$3,530.79 R$4,264.04
278 R$7,794.83 R$3,500.06 R$4,294.77
279 R$7,794.83 R$3,469.10 R$4,325.72
280 R$7,794.83 R$3,437.93 R$4,356.90
281 R$7,794.83 R$3,406.53 R$4,388.30
282 R$7,794.83 R$3,374.90 R$4,419.93
283 R$7,794.83 R$3,343.04 R$4,451.79
284 R$7,794.83 R$3,310.96 R$4,483.87
285 R$7,794.83 R$3,278.64 R$4,516.19
286 R$7,794.83 R$3,246.09 R$4,548.74
287 R$7,794.83 R$3,213.31 R$4,581.52
288 R$7,794.83 R$3,180.29 R$4,614.54
289 R$7,794.83 R$3,147.03 R$4,647.80
290 R$7,794.83 R$3,113.53 R$4,681.30
291 R$7,794.83 R$3,079.79 R$4,715.04
292 R$7,794.83 R$3,045.81 R$4,749.02
293 R$7,794.83 R$3,011.58 R$4,783.25
294 R$7,794.83 R$2,977.10 R$4,817.72
295 R$7,794.83 R$2,942.38 R$4,852.45
296 R$7,794.83 R$2,907.41 R$4,887.42
297 R$7,794.83 R$2,872.18 R$4,922.65
298 R$7,794.83 R$2,836.70 R$4,958.12
299 R$7,794.83 R$2,800.97 R$4,993.86
300 R$7,794.83 R$2,764.98 R$5,029.85
301 R$7,794.83 R$2,728.72 R$5,066.10
302 R$7,794.83 R$2,692.21 R$5,102.62
303 R$7,794.83 R$2,655.44 R$5,139.39
304 R$7,794.83 R$2,618.39 R$5,176.43
305 R$7,794.83 R$2,581.09 R$5,213.74
306 R$7,794.83 R$2,543.51 R$5,251.32
307 R$7,794.83 R$2,505.66 R$5,289.17
308 R$7,794.83 R$2,467.54 R$5,327.29
309 R$7,794.83 R$2,429.14 R$5,365.68
310 R$7,794.83 R$2,390.47 R$5,404.36
311 R$7,794.83 R$2,351.52 R$5,443.31
312 R$7,794.83 R$2,312.29 R$5,482.54
313 R$7,794.83 R$2,272.78 R$5,522.05
314 R$7,794.83 R$2,232.98 R$5,561.85
315 R$7,794.83 R$2,192.89 R$5,601.94
316 R$7,794.83 R$2,152.52 R$5,642.31
317 R$7,794.83 R$2,111.85 R$5,682.98
318 R$7,794.83 R$2,070.89 R$5,723.94
319 R$7,794.83 R$2,029.64 R$5,765.19
320 R$7,794.83 R$1,988.08 R$5,806.74
321 R$7,794.83 R$1,946.23 R$5,848.60
322 R$7,794.83 R$1,904.08 R$5,890.75
323 R$7,794.83 R$1,861.62 R$5,933.20
324 R$7,794.83 R$1,818.86 R$5,975.97
325 R$7,794.83 R$1,775.79 R$6,019.04
326 R$7,794.83 R$1,732.41 R$6,062.42
327 R$7,794.83 R$1,688.72 R$6,106.11
328 R$7,794.83 R$1,644.71 R$6,150.12
329 R$7,794.83 R$1,600.38 R$6,194.45
330 R$7,794.83 R$1,555.74 R$6,239.09
331 R$7,794.83 R$1,510.77 R$6,284.06
332 R$7,794.83 R$1,465.48 R$6,329.35
333 R$7,794.83 R$1,419.86 R$6,374.97
334 R$7,794.83 R$1,373.91 R$6,420.92
335 R$7,794.83 R$1,327.64 R$6,467.19
336 R$7,794.83 R$1,281.02 R$6,513.80
337 R$7,794.83 R$1,234.08 R$6,560.75
338 R$7,794.83 R$1,186.79 R$6,608.04
339 R$7,794.83 R$1,139.17 R$6,655.66
340 R$7,794.83 R$1,091.20 R$6,703.63
341 R$7,794.83 R$1,042.88 R$6,751.95
342 R$7,794.83 R$994.22 R$6,800.61
343 R$7,794.83 R$945.20 R$6,849.63
344 R$7,794.83 R$895.84 R$6,898.99
345 R$7,794.83 R$846.11 R$6,948.72
346 R$7,794.83 R$796.03 R$6,998.80
347 R$7,794.83 R$745.59 R$7,049.24
348 R$7,794.83 R$694.78 R$7,100.05
349 R$7,794.83 R$643.61 R$7,151.22
350 R$7,794.83 R$592.07 R$7,202.76
351 R$7,794.83 R$540.16 R$7,254.67
352 R$7,794.83 R$487.87 R$7,306.96
353 R$7,794.83 R$435.21 R$7,359.62
354 R$7,794.83 R$382.16 R$7,412.67
355 R$7,794.83 R$328.74 R$7,466.09
356 R$7,794.83 R$274.93 R$7,519.90
357 R$7,794.83 R$220.73 R$7,574.10
358 R$7,794.83 R$166.14 R$7,628.69
359 R$7,794.83 R$111.16 R$7,683.67
360 R$7,794.83 R$55.78 R$7,739.05

SISTEMA DE PAGAMENTOS CONSTANTES (SPC)

R$9,000.00
R$8,000.00
R$7,000.00
R$6,000.00
R$5,000.00
R$4,000.00
R$3,000.00
R$2,000.00
R$1,000.00
R$0.00
1 17 33 49 65 81 97 113129145161177193209225241257273289305321337353

Amortização Juros da Parcela

a) b)
SPC R$2,806,138.22
O investidor deverá optar pelo SAC.
SAC R$1,829,895.29
SAM R$2,318,016.76

SAC
Saldo devedor após o pagamento Período Parcela a pagar Juros da parcela Amortização
R$999,412.49 1 R$7,794.83 R$5,017.05 R$2,777.78
R$998,820.76 2 R$7,777.75 R$4,999.97 R$2,777.78
R$998,224.75 3 R$7,760.68 R$4,982.90 R$2,777.78
R$997,624.45 4 R$7,743.62 R$4,965.84 R$2,777.78
R$997,019.82 5 R$7,726.57 R$4,948.80 R$2,777.78
R$996,410.84 6 R$7,709.54 R$4,931.76 R$2,777.78
R$995,797.47 7 R$7,692.52 R$4,914.75 R$2,777.78
R$995,179.67 8 R$7,675.52 R$4,897.74 R$2,777.78
R$994,557.43 9 R$7,658.53 R$4,880.75 R$2,777.78
R$993,930.70 10 R$7,641.55 R$4,863.77 R$2,777.78
R$993,299.45 11 R$7,624.58 R$4,846.80 R$2,777.78
R$992,663.65 12 R$7,607.63 R$4,829.85 R$2,777.78
R$992,023.27 13 R$7,590.69 R$4,812.91 R$2,777.78
R$991,378.27 14 R$7,573.76 R$4,795.98 R$2,777.78
R$990,728.63 15 R$7,556.85 R$4,779.07 R$2,777.78
R$990,074.30 16 R$7,539.95 R$4,762.17 R$2,777.78
R$989,415.26 17 R$7,523.06 R$4,745.29 R$2,777.78
R$988,751.47 18 R$7,506.19 R$4,728.41 R$2,777.78
R$988,082.89 19 R$7,489.33 R$4,711.55 R$2,777.78
R$987,409.49 20 R$7,472.49 R$4,694.71 R$2,777.78
R$986,731.24 21 R$7,455.65 R$4,677.88 R$2,777.78
R$986,048.11 22 R$7,438.83 R$4,661.06 R$2,777.78
R$985,360.05 23 R$7,422.03 R$4,644.25 R$2,777.78
R$984,667.03 24 R$7,405.24 R$4,627.46 R$2,777.78
R$983,969.01 25 R$7,388.46 R$4,610.68 R$2,777.78
R$983,265.97 26 R$7,371.70 R$4,593.92 R$2,777.78
R$982,557.85 27 R$7,354.95 R$4,577.17 R$2,777.78
R$981,844.64 28 R$7,338.21 R$4,560.43 R$2,777.78
R$981,126.28 29 R$7,321.49 R$4,543.71 R$2,777.78
R$980,402.75 30 R$7,304.78 R$4,527.00 R$2,777.78
R$979,674.00 31 R$7,288.09 R$4,510.31 R$2,777.78
R$978,940.00 32 R$7,271.41 R$4,493.63 R$2,777.78
R$978,200.70 33 R$7,254.74 R$4,476.96 R$2,777.78
R$977,456.08 34 R$7,238.09 R$4,460.31 R$2,777.78
R$976,706.10 35 R$7,221.45 R$4,443.67 R$2,777.78
R$975,950.71 36 R$7,204.83 R$4,427.05 R$2,777.78
R$975,189.87 37 R$7,188.22 R$4,410.44 R$2,777.78
R$974,423.55 38 R$7,171.62 R$4,393.84 R$2,777.78
R$973,651.71 39 R$7,155.04 R$4,377.26 R$2,777.78
R$972,874.30 40 R$7,138.48 R$4,360.70 R$2,777.78
R$972,091.29 41 R$7,121.92 R$4,344.15 R$2,777.78
R$971,302.64 42 R$7,105.39 R$4,327.61 R$2,777.78
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R$383,634.31 299 R$3,454.31 R$676.53 R$2,777.78
R$378,604.46 300 R$3,442.84 R$665.06 R$2,777.78
R$373,538.36 301 R$3,431.39 R$653.61 R$2,777.78
R$368,435.74 302 R$3,419.96 R$642.18 R$2,777.78
R$363,296.35 303 R$3,408.55 R$630.78 R$2,777.78
R$358,119.91 304 R$3,397.17 R$619.40 R$2,777.78
R$352,906.17 305 R$3,385.82 R$608.04 R$2,777.78
R$347,654.85 306 R$3,374.48 R$596.71 R$2,777.78
R$342,365.69 307 R$3,363.18 R$585.40 R$2,777.78
R$337,038.40 308 R$3,351.89 R$574.11 R$2,777.78
R$331,672.71 309 R$3,340.63 R$562.85 R$2,777.78
R$326,268.36 310 R$3,329.39 R$551.61 R$2,777.78
R$320,825.05 311 R$3,318.17 R$540.40 R$2,777.78
R$315,342.51 312 R$3,306.98 R$529.20 R$2,777.78
R$309,820.46 313 R$3,295.81 R$518.04 R$2,777.78
R$304,258.61 314 R$3,284.67 R$506.89 R$2,777.78
R$298,656.67 315 R$3,273.55 R$495.77 R$2,777.78
R$293,014.36 316 R$3,262.45 R$484.68 R$2,777.78
R$287,331.38 317 R$3,251.38 R$473.60 R$2,777.78
R$281,607.44 318 R$3,240.33 R$462.55 R$2,777.78
R$275,842.25 319 R$3,229.31 R$451.53 R$2,777.78
R$270,035.50 320 R$3,218.30 R$440.53 R$2,777.78
R$264,186.91 321 R$3,207.33 R$429.55 R$2,777.78
R$258,296.16 322 R$3,196.37 R$418.59 R$2,777.78
R$252,362.95 323 R$3,185.44 R$407.66 R$2,777.78
R$246,386.99 324 R$3,174.54 R$396.76 R$2,777.78
R$240,367.95 325 R$3,163.65 R$385.87 R$2,777.78
R$234,305.53 326 R$3,152.79 R$375.02 R$2,777.78
R$228,199.42 327 R$3,141.96 R$364.18 R$2,777.78
R$222,049.30 328 R$3,131.15 R$353.37 R$2,777.78
R$215,854.85 329 R$3,120.36 R$342.58 R$2,777.78
R$209,615.76 330 R$3,109.60 R$331.82 R$2,777.78
R$203,331.70 331 R$3,098.86 R$321.08 R$2,777.78
R$197,002.35 332 R$3,088.14 R$310.36 R$2,777.78
R$190,627.38 333 R$3,077.45 R$299.67 R$2,777.78
R$184,206.46 334 R$3,066.78 R$289.00 R$2,777.78
R$177,739.27 335 R$3,056.14 R$278.36 R$2,777.78
R$171,225.46 336 R$3,045.51 R$267.74 R$2,777.78
R$164,664.71 337 R$3,034.92 R$257.14 R$2,777.78
R$158,056.68 338 R$3,024.35 R$246.57 R$2,777.78
R$151,401.01 339 R$3,013.80 R$236.02 R$2,777.78
R$144,697.38 340 R$3,003.27 R$225.49 R$2,777.78
R$137,945.43 341 R$2,992.77 R$214.99 R$2,777.78
 R$131,144.82 342 R$2,982.29 R$204.52 R$2,777.78
R$124,295.20 343 R$2,971.84 R$194.06 R$2,777.78
R$117,396.21 344 R$2,961.41 R$183.63 R$2,777.78
R$110,447.49 345 R$2,951.01 R$173.23 R$2,777.78
R$103,448.69 346 R$2,940.62 R$162.85 R$2,777.78
R$96,399.45 347 R$2,930.27 R$152.49 R$2,777.78
R$89,299.40 348 R$2,919.93 R$142.15 R$2,777.78
R$82,148.19 349 R$2,909.62 R$131.85 R$2,777.78
R$74,945.43 350 R$2,899.34 R$121.56 R$2,777.78
R$67,690.75 351 R$2,889.08 R$111.30 R$2,777.78
R$60,383.79 352 R$2,878.84 R$101.06 R$2,777.78
R$53,024.17 353 R$2,868.62 R$90.85 R$2,777.78
R$45,611.51 354 R$2,858.43 R$80.66 R$2,777.78
R$38,145.41 355 R$2,848.27 R$70.49 R$2,777.78
R$30,625.51 356 R$2,838.13 R$60.35 R$2,777.78
R$23,051.41 357 R$2,828.01 R$50.23 R$2,777.78
R$15,422.72 358 R$2,817.91 R$40.14 R$2,777.78
R$7,739.05 359 R$2,807.84 R$30.07 R$2,777.78
R$0.00 360 R$2,797.80 R$20.02 R$2,777.78

NTES (SPC) SISTEMA DE AMORTIZAÇÃO CONSTANTE

R$9,000.00
R$8,000.00
R$7,000.00
R$6,000.00
R$5,000.00
R$4,000.00
R$3,000.00
R$2,000.00
R$1,000.00
R$0.00
241257273289305321337353 1 17 33 49 65 81 97 11312914516117719320922524125727

Amortização Juros da Parcela

 SAM
Saldo devedor após o pagamento Período Parcela a pagar Juros da parcela Amortização
R$997,222.22 1 R$ 7,794.83 R$ 6,112.19 R$ 1,682.64
R$994,444.44 2 R$ 7,786.29 R$ 6,101.53 R$ 1,684.76
R$991,666.67 3 R$ 7,777.75 R$ 6,090.86 R$ 1,686.89
R$988,888.89 4 R$ 7,769.22 R$ 6,080.18 R$ 1,689.04
R$986,111.11 5 R$ 7,760.70 R$ 6,069.50 R$ 1,691.20
R$983,333.33 6 R$ 7,752.19 R$ 6,058.80 R$ 1,693.38
R$980,555.56 7 R$ 7,743.68 R$ 6,048.10 R$ 1,695.58
R$977,777.78 8 R$ 7,735.17 R$ 6,037.39 R$ 1,697.79
R$975,000.00 9 R$ 7,726.68 R$ 6,026.67 R$ 1,700.01
R$972,222.22 10 R$ 7,718.19 R$ 6,015.93 R$ 1,702.25
R$969,444.44 11 R$ 7,709.70 R$ 6,005.19 R$ 1,704.51
R$966,666.67 12 R$ 7,701.23 R$ 5,994.44 R$ 1,706.79
R$963,888.89 13 R$ 7,692.76 R$ 5,983.68 R$ 1,709.08
R$961,111.11 14 R$ 7,684.30 R$ 5,972.91 R$ 1,711.39
R$958,333.33 15 R$ 7,675.84 R$ 5,962.13 R$ 1,713.71
R$955,555.56 16 R$ 7,667.39 R$ 5,951.34 R$ 1,716.05
R$952,777.78 17 R$ 7,658.95 R$ 5,940.54 R$ 1,718.41
R$950,000.00 18 R$ 7,650.51 R$ 5,929.72 R$ 1,720.79
R$947,222.22 19 R$ 7,642.08 R$ 5,918.90 R$ 1,723.18
R$944,444.44 20 R$ 7,633.66 R$ 5,908.07 R$ 1,725.59
R$941,666.67 21 R$ 7,625.24 R$ 5,897.23 R$ 1,728.01
R$938,888.89 22 R$ 7,616.83 R$ 5,886.37 R$ 1,730.46
R$936,111.11 23 R$ 7,608.43 R$ 5,875.51 R$ 1,732.92
R$933,333.33 24 R$ 7,600.03 R$ 5,864.63 R$ 1,735.40
R$930,555.56 25 R$ 7,591.64 R$ 5,853.75 R$ 1,737.90
R$927,777.78 26 R$ 7,583.26 R$ 5,842.85 R$ 1,740.41
R$925,000.00 27 R$ 7,574.89 R$ 5,831.94 R$ 1,742.95
R$922,222.22 28 R$ 7,566.52 R$ 5,821.02 R$ 1,745.50
R$919,444.44 29 R$ 7,558.16 R$ 5,810.09 R$ 1,748.07
R$916,666.67 30 R$ 7,549.80 R$ 5,799.15 R$ 1,750.66
R$913,888.89 31 R$ 7,541.46 R$ 5,788.19 R$ 1,753.26
R$911,111.11 32 R$ 7,533.12 R$ 5,777.23 R$ 1,755.89
R$908,333.33 33 R$ 7,524.78 R$ 5,766.25 R$ 1,758.53
R$905,555.56 34 R$ 7,516.46 R$ 5,755.26 R$ 1,761.20
R$902,777.78 35 R$ 7,508.14 R$ 5,744.26 R$ 1,763.88
R$900,000.00 36 R$ 7,499.83 R$ 5,733.24 R$ 1,766.58
R$897,222.22 37 R$ 7,491.52 R$ 5,722.22 R$ 1,769.31
R$894,444.44 38 R$ 7,483.23 R$ 5,711.18 R$ 1,772.05
R$891,666.67 39 R$ 7,474.93 R$ 5,700.12 R$ 1,774.81
R$888,888.89 40 R$ 7,466.65 R$ 5,689.06 R$ 1,777.59
R$886,111.11 41 R$ 7,458.38 R$ 5,677.98 R$ 1,780.39
R$883,333.33 42 R$ 7,450.11 R$ 5,666.89 R$ 1,783.21
R$880,555.56 43 R$ 7,441.85 R$ 5,655.79 R$ 1,786.06
R$877,777.78 44 R$ 7,433.59 R$ 5,644.67 R$ 1,788.92
R$875,000.00 45 R$ 7,425.34 R$ 5,633.54 R$ 1,791.80
R$872,222.22 46 R$ 7,417.11 R$ 5,622.40 R$ 1,794.71
R$869,444.44 47 R$ 7,408.87 R$ 5,611.24 R$ 1,797.63
R$866,666.67 48 R$ 7,400.65 R$ 5,600.07 R$ 1,800.58
R$863,888.89 49 R$ 7,392.43 R$ 5,588.89 R$ 1,803.54
R$861,111.11 50 R$ 7,384.22 R$ 5,577.69 R$ 1,806.53
R$858,333.33 51 R$ 7,376.02 R$ 5,566.48 R$ 1,809.54
R$855,555.56 52 R$ 7,367.82 R$ 5,555.25 R$ 1,812.58
R$852,777.78 53 R$ 7,359.64 R$ 5,544.01 R$ 1,815.63
R$850,000.00 54 R$ 7,351.46 R$ 5,532.75 R$ 1,818.70
R$847,222.22 55 R$ 7,343.28 R$ 5,521.48 R$ 1,821.80
R$844,444.44 56 R$ 7,335.12 R$ 5,510.20 R$ 1,824.92
R$841,666.67 57 R$ 7,326.96 R$ 5,498.90 R$ 1,828.06
R$838,888.89 58 R$ 7,318.81 R$ 5,487.58 R$ 1,831.23
R$836,111.11 59 R$ 7,310.67 R$ 5,476.25 R$ 1,834.42
R$833,333.33 60 R$ 7,302.53 R$ 5,464.91 R$ 1,837.63
R$830,555.56 61 R$ 7,294.41 R$ 5,453.54 R$ 1,840.86
R$827,777.78 62 R$ 7,286.29 R$ 5,442.17 R$ 1,844.12
R$825,000.00 63 R$ 7,278.18 R$ 5,430.77 R$ 1,847.40
R$822,222.22 64 R$ 7,270.07 R$ 5,419.37 R$ 1,850.71
R$819,444.44 65 R$ 7,261.98 R$ 5,407.94 R$ 1,854.04
R$816,666.67 66 R$ 7,253.89 R$ 5,396.50 R$ 1,857.39
R$813,888.89 67 R$ 7,245.81 R$ 5,385.04 R$ 1,860.76
R$811,111.11 68 R$ 7,237.74 R$ 5,373.57 R$ 1,864.17
R$808,333.33 69 R$ 7,229.67 R$ 5,362.08 R$ 1,867.59
R$805,555.56 70 R$ 7,221.61 R$ 5,350.57 R$ 1,871.04
R$802,777.78 71 R$ 7,213.56 R$ 5,339.05 R$ 1,874.52
R$800,000.00 72 R$ 7,205.52 R$ 5,327.51 R$ 1,878.02
R$797,222.22 73 R$ 7,197.49 R$ 5,315.95 R$ 1,881.54
R$794,444.44 74 R$ 7,189.46 R$ 5,304.37 R$ 1,885.09
R$791,666.67 75 R$ 7,181.45 R$ 5,292.78 R$ 1,888.67
R$788,888.89 76 R$ 7,173.44 R$ 5,281.17 R$ 1,892.27
R$786,111.11 77 R$ 7,165.44 R$ 5,269.54 R$ 1,895.90
R$783,333.33 78 R$ 7,157.44 R$ 5,257.89 R$ 1,899.55
R$780,555.56 79 R$ 7,149.46 R$ 5,246.22 R$ 1,903.23
R$777,777.78 80 R$ 7,141.48 R$ 5,234.54 R$ 1,906.94
R$775,000.00 81 R$ 7,133.51 R$ 5,222.84 R$ 1,910.67
R$772,222.22 82 R$ 7,125.55 R$ 5,211.11 R$ 1,914.43
R$769,444.44 83 R$ 7,117.60 R$ 5,199.37 R$ 1,918.22
R$766,666.67 84 R$ 7,109.65 R$ 5,187.61 R$ 1,922.04
R$763,888.89 85 R$ 7,101.71 R$ 5,175.83 R$ 1,925.88
R$761,111.11 86 R$ 7,093.79 R$ 5,164.04 R$ 1,929.75
R$758,333.33 87 R$ 7,085.87 R$ 5,152.22 R$ 1,933.65
R$755,555.56 88 R$ 7,077.95 R$ 5,140.38 R$ 1,937.57
R$752,777.78 89 R$ 7,070.05 R$ 5,128.52 R$ 1,941.53
R$750,000.00 90 R$ 7,062.15 R$ 5,116.64 R$ 1,945.51
R$747,222.22 91 R$ 7,054.27 R$ 5,104.74 R$ 1,949.52
R$744,444.44 92 R$ 7,046.39 R$ 5,092.82 R$ 1,953.56
R$741,666.67 93 R$ 7,038.52 R$ 5,080.88 R$ 1,957.63
R$738,888.89 94 R$ 7,030.66 R$ 5,068.92 R$ 1,961.73
R$736,111.11 95 R$ 7,022.80 R$ 5,056.94 R$ 1,965.86
R$733,333.33 96 R$ 7,014.96 R$ 5,044.94 R$ 1,970.02
R$730,555.56 97 R$ 7,007.12 R$ 5,032.91 R$ 1,974.21
R$727,777.78 98 R$ 6,999.29 R$ 5,020.86 R$ 1,978.43
R$725,000.00 99 R$ 6,991.47 R$ 5,008.80 R$ 1,982.68
R$722,222.22 100 R$ 6,983.66 R$ 4,996.70 R$ 1,986.96
R$719,444.44 101 R$ 6,975.86 R$ 4,984.59 R$ 1,991.27
R$716,666.67 102 R$ 6,968.06 R$ 4,972.46 R$ 1,995.61
R$713,888.89 103 R$ 6,960.28 R$ 4,960.30 R$ 1,999.98
R$711,111.11 104 R$ 6,952.50 R$ 4,948.12 R$ 2,004.39
R$708,333.33 105 R$ 6,944.73 R$ 4,935.91 R$ 2,008.82
R$705,555.56 106 R$ 6,936.97 R$ 4,923.68 R$ 2,013.29
R$702,777.78 107 R$ 6,929.22 R$ 4,911.43 R$ 2,017.79
R$700,000.00 108 R$ 6,921.48 R$ 4,899.16 R$ 2,022.32
R$697,222.22 109 R$ 6,913.74 R$ 4,886.86 R$ 2,026.89
R$694,444.44 110 R$ 6,906.02 R$ 4,874.53 R$ 2,031.49
R$691,666.67 111 R$ 6,898.30 R$ 4,862.19 R$ 2,036.12
R$688,888.89 112 R$ 6,890.60 R$ 4,849.81 R$ 2,040.78
R$686,111.11 113 R$ 6,882.90 R$ 4,837.42 R$ 2,045.48
R$683,333.33 114 R$ 6,875.21 R$ 4,824.99 R$ 2,050.21
R$680,555.56 115 R$ 6,867.53 R$ 4,812.55 R$ 2,054.98
R$677,777.78 116 R$ 6,859.85 R$ 4,800.07 R$ 2,059.78
R$675,000.00 117 R$ 6,852.19 R$ 4,787.57 R$ 2,064.62
R$672,222.22 118 R$ 6,844.54 R$ 4,775.05 R$ 2,069.49
R$669,444.44 119 R$ 6,836.89 R$ 4,762.50 R$ 2,074.39
R$666,666.67 120 R$ 6,829.25 R$ 4,749.92 R$ 2,079.33
R$663,888.89 121 R$ 6,821.62 R$ 4,737.32 R$ 2,084.31
R$661,111.11 122 R$ 6,814.01 R$ 4,724.69 R$ 2,089.32
R$658,333.33 123 R$ 6,806.40 R$ 4,712.03 R$ 2,094.37
R$655,555.56 124 R$ 6,798.80 R$ 4,699.34 R$ 2,099.45
R$652,777.78 125 R$ 6,791.20 R$ 4,686.63 R$ 2,104.57
R$650,000.00 126 R$ 6,783.62 R$ 4,673.89 R$ 2,109.73
R$647,222.22 127 R$ 6,776.05 R$ 4,661.12 R$ 2,114.93
R$644,444.44 128 R$ 6,768.48 R$ 4,648.32 R$ 2,120.16
R$641,666.67 129 R$ 6,760.93 R$ 4,635.50 R$ 2,125.43
R$638,888.89 130 R$ 6,753.38 R$ 4,622.64 R$ 2,130.74
R$636,111.11 131 R$ 6,745.84 R$ 4,609.76 R$ 2,136.09
R$633,333.33 132 R$ 6,738.32 R$ 4,596.84 R$ 2,141.47
R$630,555.56 133 R$ 6,730.80 R$ 4,583.90 R$ 2,146.90
R$627,777.78 134 R$ 6,723.29 R$ 4,570.93 R$ 2,152.36
R$625,000.00 135 R$ 6,715.79 R$ 4,557.93 R$ 2,157.86
R$622,222.22 136 R$ 6,708.30 R$ 4,544.89 R$ 2,163.40
R$619,444.44 137 R$ 6,700.81 R$ 4,531.83 R$ 2,168.99
R$616,666.67 138 R$ 6,693.34 R$ 4,518.73 R$ 2,174.61
R$613,888.89 139 R$ 6,685.88 R$ 4,505.61 R$ 2,180.27
R$611,111.11 140 R$ 6,678.43 R$ 4,492.45 R$ 2,185.97
R$608,333.33 141 R$ 6,670.98 R$ 4,479.26 R$ 2,191.72
R$605,555.56 142 R$ 6,663.55 R$ 4,466.04 R$ 2,197.51
R$602,777.78 143 R$ 6,656.12 R$ 4,452.79 R$ 2,203.33
R$600,000.00 144 R$ 6,648.70 R$ 4,439.50 R$ 2,209.20
R$597,222.22 145 R$ 6,641.30 R$ 4,426.18 R$ 2,215.12
R$594,444.44 146 R$ 6,633.90 R$ 4,412.83 R$ 2,221.07
R$591,666.67 147 R$ 6,626.51 R$ 4,399.44 R$ 2,227.07
R$588,888.89 148 R$ 6,619.13 R$ 4,386.02 R$ 2,233.11
R$586,111.11 149 R$ 6,611.77 R$ 4,372.57 R$ 2,239.19
R$583,333.33 150 R$ 6,604.41 R$ 4,359.08 R$ 2,245.32
R$580,555.56 151 R$ 6,597.06 R$ 4,345.56 R$ 2,251.50
R$577,777.78 152 R$ 6,589.72 R$ 4,332.00 R$ 2,257.71
R$575,000.00 153 R$ 6,582.39 R$ 4,318.41 R$ 2,263.97
R$572,222.22 154 R$ 6,575.07 R$ 4,304.78 R$ 2,270.28
R$569,444.44 155 R$ 6,567.75 R$ 4,291.12 R$ 2,276.63
R$566,666.67 156 R$ 6,560.45 R$ 4,277.42 R$ 2,283.03
R$563,888.89 157 R$ 6,553.16 R$ 4,263.68 R$ 2,289.48
R$561,111.11 158 R$ 6,545.88 R$ 4,249.91 R$ 2,295.97
R$558,333.33 159 R$ 6,538.61 R$ 4,236.10 R$ 2,302.51
R$555,555.56 160 R$ 6,531.34 R$ 4,222.25 R$ 2,309.09
R$552,777.78 161 R$ 6,524.09 R$ 4,208.37 R$ 2,315.72
R$550,000.00 162 R$ 6,516.85 R$ 4,194.45 R$ 2,322.40
R$547,222.22 163 R$ 6,509.61 R$ 4,180.48 R$ 2,329.13
R$544,444.44 164 R$ 6,502.39 R$ 4,166.48 R$ 2,335.91
R$541,666.67 165 R$ 6,495.18 R$ 4,152.45 R$ 2,342.73
R$538,888.89 166 R$ 6,487.97 R$ 4,138.37 R$ 2,349.61
R$536,111.11 167 R$ 6,480.78 R$ 4,124.25 R$ 2,356.53
R$533,333.33 168 R$ 6,473.60 R$ 4,110.09 R$ 2,363.51
R$530,555.56 169 R$ 6,466.42 R$ 4,095.89 R$ 2,370.53
R$527,777.78 170 R$ 6,459.26 R$ 4,081.65 R$ 2,377.60
R$525,000.00 171 R$ 6,452.10 R$ 4,067.37 R$ 2,384.73
R$522,222.22 172 R$ 6,444.96 R$ 4,053.05 R$ 2,391.91
R$519,444.44 173 R$ 6,437.83 R$ 4,038.69 R$ 2,399.14
R$516,666.67 174 R$ 6,430.70 R$ 4,024.28 R$ 2,406.42
R$513,888.89 175 R$ 6,423.59 R$ 4,009.84 R$ 2,413.75
R$511,111.11 176 R$ 6,416.48 R$ 3,995.35 R$ 2,421.14
R$508,333.33 177 R$ 6,409.39 R$ 3,980.81 R$ 2,428.58
R$505,555.56 178 R$ 6,402.31 R$ 3,966.23 R$ 2,436.07
R$502,777.78 179 R$ 6,395.23 R$ 3,951.61 R$ 2,443.62
R$500,000.00 180 R$ 6,388.17 R$ 3,936.95 R$ 2,451.22
R$497,222.22 181 R$ 6,381.12 R$ 3,922.24 R$ 2,458.88
R$494,444.44 182 R$ 6,374.07 R$ 3,907.48 R$ 2,466.59
R$491,666.67 183 R$ 6,367.04 R$ 3,892.68 R$ 2,474.36
R$488,888.89 184 R$ 6,360.02 R$ 3,877.84 R$ 2,482.18
R$486,111.11 185 R$ 6,353.00 R$ 3,862.94 R$ 2,490.06
R$483,333.33 186 R$ 6,346.00 R$ 3,848.01 R$ 2,498.00
R$480,555.56 187 R$ 6,339.01 R$ 3,833.02 R$ 2,505.99
R$477,777.78 188 R$ 6,332.03 R$ 3,817.99 R$ 2,514.04
R$475,000.00 189 R$ 6,325.06 R$ 3,802.90 R$ 2,522.15
R$472,222.22 190 R$ 6,318.09 R$ 3,787.78 R$ 2,530.32
R$469,444.44 191 R$ 6,311.14 R$ 3,772.60 R$ 2,538.54
R$466,666.67 192 R$ 6,304.20 R$ 3,757.37 R$ 2,546.83
R$463,888.89 193 R$ 6,297.27 R$ 3,742.10 R$ 2,555.18
R$461,111.11 194 R$ 6,290.35 R$ 3,726.77 R$ 2,563.58
R$458,333.33 195 R$ 6,283.44 R$ 3,711.39 R$ 2,572.05
R$455,555.56 196 R$ 6,276.54 R$ 3,695.97 R$ 2,580.58
R$452,777.78 197 R$ 6,269.65 R$ 3,680.49 R$ 2,589.16
R$450,000.00 198 R$ 6,262.78 R$ 3,664.96 R$ 2,597.82
R$447,222.22 199 R$ 6,255.91 R$ 3,649.38 R$ 2,606.53
R$444,444.44 200 R$ 6,249.05 R$ 3,633.75 R$ 2,615.30
R$441,666.67 201 R$ 6,242.20 R$ 3,618.06 R$ 2,624.14
R$438,888.89 202 R$ 6,235.37 R$ 3,602.32 R$ 2,633.05
R$436,111.11 203 R$ 6,228.54 R$ 3,586.53 R$ 2,642.01
R$433,333.33 204 R$ 6,221.73 R$ 3,570.68 R$ 2,651.05
R$430,555.56 205 R$ 6,214.92 R$ 3,554.78 R$ 2,660.14
R$427,777.78 206 R$ 6,208.13 R$ 3,538.82 R$ 2,669.30
R$425,000.00 207 R$ 6,201.35 R$ 3,522.81 R$ 2,678.53
R$422,222.22 208 R$ 6,194.57 R$ 3,506.74 R$ 2,687.83
R$419,444.44 209 R$ 6,187.81 R$ 3,490.62 R$ 2,697.19
R$416,666.67 210 R$ 6,181.06 R$ 3,474.44 R$ 2,706.62
R$413,888.89 211 R$ 6,174.32 R$ 3,458.20 R$ 2,716.12
R$411,111.11 212 R$ 6,167.59 R$ 3,441.91 R$ 2,725.68
R$408,333.33 213 R$ 6,160.87 R$ 3,425.55 R$ 2,735.32
R$405,555.56 214 R$ 6,154.16 R$ 3,409.14 R$ 2,745.02
R$402,777.78 215 R$ 6,147.46 R$ 3,392.67 R$ 2,754.79
R$400,000.00 216 R$ 6,140.77 R$ 3,376.13 R$ 2,764.64
R$397,222.22 217 R$ 6,134.10 R$ 3,359.54 R$ 2,774.55
R$394,444.44 218 R$ 6,127.43 R$ 3,342.89 R$ 2,784.54
R$391,666.67 219 R$ 6,120.78 R$ 3,326.18 R$ 2,794.60
R$388,888.89 220 R$ 6,114.13 R$ 3,309.40 R$ 2,804.73
R$386,111.11 221 R$ 6,107.50 R$ 3,292.56 R$ 2,814.94
R$383,333.33 222 R$ 6,100.88 R$ 3,275.66 R$ 2,825.21
R$380,555.56 223 R$ 6,094.27 R$ 3,258.70 R$ 2,835.57
R$377,777.78 224 R$ 6,087.66 R$ 3,241.67 R$ 2,845.99
R$375,000.00 225 R$ 6,081.07 R$ 3,224.58 R$ 2,856.50
R$372,222.22 226 R$ 6,074.50 R$ 3,207.42 R$ 2,867.07
R$369,444.44 227 R$ 6,067.93 R$ 3,190.20 R$ 2,877.73
R$366,666.67 228 R$ 6,061.37 R$ 3,172.91 R$ 2,888.46
R$363,888.89 229 R$ 6,054.82 R$ 3,155.56 R$ 2,899.26
R$361,111.11 230 R$ 6,048.29 R$ 3,138.14 R$ 2,910.15
R$358,333.33 231 R$ 6,041.76 R$ 3,120.65 R$ 2,921.11
R$355,555.56 232 R$ 6,035.25 R$ 3,103.09 R$ 2,932.16
R$352,777.78 233 R$ 6,028.75 R$ 3,085.47 R$ 2,943.28
R$350,000.00 234 R$ 6,022.26 R$ 3,067.77 R$ 2,954.48
R$347,222.22 235 R$ 6,015.78 R$ 3,050.01 R$ 2,965.77
R$344,444.44 236 R$ 6,009.31 R$ 3,032.18 R$ 2,977.13
R$341,666.67 237 R$ 6,002.85 R$ 3,014.27 R$ 2,988.58
R$338,888.89 238 R$ 5,996.40 R$ 2,996.29 R$ 3,000.11
R$336,111.11 239 R$ 5,989.97 R$ 2,978.25 R$ 3,011.72
R$333,333.33 240 R$ 5,983.54 R$ 2,960.12 R$ 3,023.42
R$330,555.56 241 R$ 5,977.13 R$ 2,941.93 R$ 3,035.20
R$327,777.78 242 R$ 5,970.73 R$ 2,923.66 R$ 3,047.06
R$325,000.00 243 R$ 5,964.33 R$ 2,905.32 R$ 3,059.02
R$322,222.22 244 R$ 5,957.95 R$ 2,886.90 R$ 3,071.05
R$319,444.44 245 R$ 5,951.59 R$ 2,868.41 R$ 3,083.18
R$316,666.67 246 R$ 5,945.23 R$ 2,849.84 R$ 3,095.39
R$313,888.89 247 R$ 5,938.88 R$ 2,831.19 R$ 3,107.69
R$311,111.11 248 R$ 5,932.54 R$ 2,812.47 R$ 3,120.07
R$308,333.33 249 R$ 5,926.22 R$ 2,793.67 R$ 3,132.55
R$305,555.56 250 R$ 5,919.91 R$ 2,774.79 R$ 3,145.12
R$302,777.78 251 R$ 5,913.61 R$ 2,755.83 R$ 3,157.78
R$300,000.00 252 R$ 5,907.31 R$ 2,736.79 R$ 3,170.53
R$297,222.22 253 R$ 5,901.04 R$ 2,717.67 R$ 3,183.37
R$294,444.44 254 R$ 5,894.77 R$ 2,698.47 R$ 3,196.30
R$291,666.67 255 R$ 5,888.51 R$ 2,679.18 R$ 3,209.33
R$288,888.89 256 R$ 5,882.27 R$ 2,659.82 R$ 3,222.45
R$286,111.11 257 R$ 5,876.03 R$ 2,640.37 R$ 3,235.66
R$283,333.33 258 R$ 5,869.81 R$ 2,620.84 R$ 3,248.97
R$280,555.56 259 R$ 5,863.60 R$ 2,601.22 R$ 3,262.38
R$277,777.78 260 R$ 5,857.40 R$ 2,581.52 R$ 3,275.88
R$275,000.00 261 R$ 5,851.21 R$ 2,561.73 R$ 3,289.48
R$272,222.22 262 R$ 5,845.03 R$ 2,541.85 R$ 3,303.18
R$269,444.44 263 R$ 5,838.87 R$ 2,521.89 R$ 3,316.98
R$266,666.67 264 R$ 5,832.71 R$ 2,501.84 R$ 3,330.87
R$263,888.89 265 R$ 5,826.57 R$ 2,481.70 R$ 3,344.87
R$261,111.11 266 R$ 5,820.44 R$ 2,461.47 R$ 3,358.97
R$258,333.33 267 R$ 5,814.32 R$ 2,441.15 R$ 3,373.17
R$255,555.56 268 R$ 5,808.21 R$ 2,420.74 R$ 3,387.47
R$252,777.78 269 R$ 5,802.11 R$ 2,400.24 R$ 3,401.87
R$250,000.00 270 R$ 5,796.02 R$ 2,379.64 R$ 3,416.38
R$247,222.22 271 R$ 5,789.95 R$ 2,358.96 R$ 3,430.99
R$244,444.44 272 R$ 5,783.89 R$ 2,338.18 R$ 3,445.71
R$241,666.67 273 R$ 5,777.84 R$ 2,317.30 R$ 3,460.54
R$238,888.89 274 R$ 5,771.80 R$ 2,296.33 R$ 3,475.47
R$236,111.11 275 R$ 5,765.77 R$ 2,275.26 R$ 3,490.50
R$233,333.33 276 R$ 5,759.75 R$ 2,254.10 R$ 3,505.65
R$230,555.56 277 R$ 5,753.75 R$ 2,232.84 R$ 3,520.91
R$227,777.78 278 R$ 5,747.75 R$ 2,211.48 R$ 3,536.27
R$225,000.00 279 R$ 5,741.77 R$ 2,190.02 R$ 3,551.75
R$222,222.22 280 R$ 5,735.80 R$ 2,168.46 R$ 3,567.34
R$219,444.44 281 R$ 5,729.84 R$ 2,146.80 R$ 3,583.04
R$216,666.67 282 R$ 5,723.89 R$ 2,125.04 R$ 3,598.85
R$213,888.89 283 R$ 5,717.96 R$ 2,103.17 R$ 3,614.78
R$211,111.11 284 R$ 5,712.03 R$ 2,081.21 R$ 3,630.82
R$208,333.33 285 R$ 5,706.12 R$ 2,059.14 R$ 3,646.98
R$205,555.56 286 R$ 5,700.22 R$ 2,036.96 R$ 3,663.26
R$202,777.78 287 R$ 5,694.33 R$ 2,014.68 R$ 3,679.65
R$200,000.00 288 R$ 5,688.45 R$ 1,992.29 R$ 3,696.16
R$197,222.22 289 R$ 5,682.59 R$ 1,969.80 R$ 3,712.79
R$194,444.44 290 R$ 5,676.73 R$ 1,947.19 R$ 3,729.54
R$191,666.67 291 R$ 5,670.89 R$ 1,924.48 R$ 3,746.41
R$188,888.89 292 R$ 5,665.06 R$ 1,901.66 R$ 3,763.40
R$186,111.11 293 R$ 5,659.24 R$ 1,878.73 R$ 3,780.51
R$183,333.33 294 R$ 5,653.43 R$ 1,855.68 R$ 3,797.75
R$180,555.56 295 R$ 5,647.64 R$ 1,832.52 R$ 3,815.11
R$177,777.78 296 R$ 5,641.85 R$ 1,809.25 R$ 3,832.60
R$175,000.00 297 R$ 5,636.08 R$ 1,785.87 R$ 3,850.21
R$172,222.22 298 R$ 5,630.32 R$ 1,762.37 R$ 3,867.95
R$169,444.44 299 R$ 5,624.57 R$ 1,738.75 R$ 3,885.82
R$166,666.67 300 R$ 5,618.83 R$ 1,715.02 R$ 3,903.81
R$163,888.89 301 R$ 5,613.11 R$ 1,691.17 R$ 3,921.94
R$161,111.11 302 R$ 5,607.39 R$ 1,667.20 R$ 3,940.20
R$158,333.33 303 R$ 5,601.69 R$ 1,643.11 R$ 3,958.59
R$155,555.56 304 R$ 5,596.00 R$ 1,618.90 R$ 3,977.11
R$152,777.78 305 R$ 5,590.32 R$ 1,594.56 R$ 3,995.76
R$150,000.00 306 R$ 5,584.66 R$ 1,570.11 R$ 4,014.55
R$147,222.22 307 R$ 5,579.00 R$ 1,545.53 R$ 4,033.47
R$144,444.44 308 R$ 5,573.36 R$ 1,520.83 R$ 4,052.53
R$141,666.67 309 R$ 5,567.73 R$ 1,496.00 R$ 4,071.73
R$138,888.89 310 R$ 5,562.11 R$ 1,471.04 R$ 4,091.07
R$136,111.11 311 R$ 5,556.50 R$ 1,445.96 R$ 4,110.54
R$133,333.33 312 R$ 5,550.91 R$ 1,420.75 R$ 4,130.16
R$130,555.56 313 R$ 5,545.32 R$ 1,395.41 R$ 4,149.92
R$127,777.78 314 R$ 5,539.75 R$ 1,369.93 R$ 4,169.81
R$125,000.00 315 R$ 5,534.19 R$ 1,344.33 R$ 4,189.86
R$122,222.22 316 R$ 5,528.64 R$ 1,318.60 R$ 4,210.05
R$119,444.44 317 R$ 5,523.10 R$ 1,292.73 R$ 4,230.38
R$116,666.67 318 R$ 5,517.58 R$ 1,266.72 R$ 4,250.86
R$113,888.89 319 R$ 5,512.07 R$ 1,240.58 R$ 4,271.49
R$111,111.11 320 R$ 5,506.57 R$ 1,214.31 R$ 4,292.26
R$108,333.33 321 R$ 5,501.08 R$ 1,187.89 R$ 4,313.19
R$105,555.56 322 R$ 5,495.60 R$ 1,161.34 R$ 4,334.26
R$102,777.78 323 R$ 5,490.14 R$ 1,134.64 R$ 4,355.49
R$100,000.00 324 R$ 5,484.68 R$ 1,107.81 R$ 4,376.87
R$97,222.22 325 R$ 5,479.24 R$ 1,080.83 R$ 4,398.41
R$94,444.44 326 R$ 5,473.81 R$ 1,053.71 R$ 4,420.10
R$91,666.67 327 R$ 5,468.39 R$ 1,026.45 R$ 4,441.95
R$88,888.89 328 R$ 5,462.99 R$ 999.04 R$ 4,463.95
R$86,111.11 329 R$ 5,457.59 R$ 971.48 R$ 4,486.11
R$83,333.33 330 R$ 5,452.21 R$ 943.78 R$ 4,508.44
R$80,555.56 331 R$ 5,446.84 R$ 915.92 R$ 4,530.92
R$77,777.78 332 R$ 5,441.48 R$ 887.92 R$ 4,553.56
R$75,000.00 333 R$ 5,436.14 R$ 859.76 R$ 4,576.37
R$72,222.22 334 R$ 5,430.80 R$ 831.46 R$ 4,599.35
R$69,444.44 335 R$ 5,425.48 R$ 803.00 R$ 4,622.49
R$66,666.67 336 R$ 5,420.17 R$ 774.38 R$ 4,645.79
R$63,888.89 337 R$ 5,414.87 R$ 745.61 R$ 4,669.26
R$61,111.11 338 R$ 5,409.59 R$ 716.68 R$ 4,692.91
R$58,333.33 339 R$ 5,404.31 R$ 687.59 R$ 4,716.72
R$55,555.56 340 R$ 5,399.05 R$ 658.34 R$ 4,740.71
R$52,777.78 341 R$ 5,393.80 R$ 628.94 R$ 4,764.86
 R$50,000.00 342 R$ 5,388.56 R$ 599.37 R$ 4,789.19
R$47,222.22 343 R$ 5,383.33 R$ 569.63 R$ 4,813.70
R$44,444.44 344 R$ 5,378.12 R$ 539.73 R$ 4,838.39
R$41,666.67 345 R$ 5,372.92 R$ 509.67 R$ 4,863.25
R$38,888.89 346 R$ 5,367.73 R$ 479.44 R$ 4,888.29
R$36,111.11 347 R$ 5,362.55 R$ 449.04 R$ 4,913.51
R$33,333.33 348 R$ 5,357.38 R$ 418.47 R$ 4,938.91
R$30,555.56 349 R$ 5,352.23 R$ 387.73 R$ 4,964.50
R$27,777.78 350 R$ 5,347.08 R$ 356.81 R$ 4,990.27
R$25,000.00 351 R$ 5,341.95 R$ 325.73 R$ 5,016.23
R$22,222.22 352 R$ 5,336.83 R$ 294.46 R$ 5,042.37
R$19,444.44 353 R$ 5,331.73 R$ 263.03 R$ 5,068.70
R$16,666.67 354 R$ 5,326.63 R$ 231.41 R$ 5,095.22
R$13,888.89 355 R$ 5,321.55 R$ 199.61 R$ 5,121.93
R$11,111.11 356 R$ 5,316.48 R$ 167.64 R$ 5,148.84
R$8,333.33 357 R$ 5,311.42 R$ 135.48 R$ 5,175.94
R$5,555.56 358 R$ 5,306.37 R$ 103.14 R$ 5,203.23
R$2,777.78 359 R$ 5,301.34 R$ 70.61 R$ 5,230.72
R$0.00 360 R$ 5,296.31 R$ 37.90 R$ 5,258.41

ÃO CONSTANTE (SAC SISTEMA DE AMORTIZAÇÃO MISTO (SAM)

R$ 9,000.00
R$ 8,000.00
R$ 7,000.00
R$ 6,000.00
R$ 5,000.00
R$ 4,000.00
R$ 3,000.00
R$ 2,000.00
R$ 1,000.00
R$ 0.00
7193209225241257273289305321337353 1 17 33 49 65 81 97 1131291451611771932092252412572732893

s da Parcela Amortização Juros da Parcela

 Saldo devedor após o pagamento
R$ 998,317.36
R$ 996,632.60
R$ 994,945.71
R$ 993,256.67
R$ 991,565.47
R$ 989,872.09
R$ 988,176.51
R$ 986,478.73
R$ 984,778.71
R$ 983,076.46
R$ 981,371.95
R$ 979,665.16
R$ 977,956.08
R$ 976,244.69
R$ 974,530.98
R$ 972,814.93
R$ 971,096.52
R$ 969,375.73
R$ 967,652.56
R$ 965,926.97
R$ 964,198.96
R$ 962,468.50
R$ 960,735.58
R$ 959,000.18
R$ 957,262.28
R$ 955,521.87
R$ 953,778.93
R$ 952,033.43
R$ 950,285.36
R$ 948,534.71
R$ 946,781.44
R$ 945,025.55
R$ 943,267.02
R$ 941,505.82
R$ 939,741.94
R$ 937,975.35
R$ 936,206.05
R$ 934,434.00
R$ 932,659.19
R$ 930,881.60
R$ 929,101.20
R$ 927,317.99
R$ 925,531.93
R$ 923,743.01
R$ 921,951.21
R$ 920,156.50
R$ 918,358.87
R$ 916,558.29
R$ 914,754.75
R$ 912,948.21
R$ 911,138.67
R$ 909,326.10
R$ 907,510.47
R$ 905,691.76
R$ 903,869.96
R$ 902,045.04
R$ 900,216.97
R$ 898,385.74
R$ 896,551.33
R$ 894,713.70
R$ 892,872.83
R$ 891,028.71
R$ 889,181.31
R$ 887,330.60
R$ 885,476.57
R$ 883,619.18
R$ 881,758.42
R$ 879,894.25
R$ 878,026.66
R$ 876,155.62
R$ 874,281.10
R$ 872,403.09
R$ 870,521.55
R$ 868,636.45
R$ 866,747.79
R$ 864,855.52
R$ 862,959.62
R$ 861,060.06
R$ 859,156.83
R$ 857,249.89
R$ 855,339.22
R$ 853,424.78
R$ 851,506.56
R$ 849,584.52
R$ 847,658.64
R$ 845,728.89
R$ 843,795.24
R$ 841,857.67
R$ 839,916.14
R$ 837,970.63
R$ 836,021.10
R$ 834,067.54
R$ 832,109.90
R$ 830,148.17
R$ 828,182.31
R$ 826,212.29
R$ 824,238.08
R$ 822,259.65
R$ 820,276.97
R$ 818,290.02
R$ 816,298.75
R$ 814,303.14
R$ 812,303.16
R$ 810,298.77
R$ 808,289.95
R$ 806,276.66
R$ 804,258.87
R$ 802,236.55
R$ 800,209.66
R$ 798,178.18
R$ 796,142.06
R$ 794,101.28
R$ 792,055.80
R$ 790,005.58
R$ 787,950.60
R$ 785,890.82
R$ 783,826.21
R$ 781,756.72
R$ 779,682.33
R$ 777,603.00
R$ 775,518.69
R$ 773,429.37
R$ 771,335.00
R$ 769,235.55
R$ 767,130.97
R$ 765,021.24
R$ 762,906.31
R$ 760,786.15
R$ 758,660.72
R$ 756,529.98
R$ 754,393.90
R$ 752,252.43
R$ 750,105.53
R$ 747,953.17
R$ 745,795.31
R$ 743,631.91
R$ 741,462.92
R$ 739,288.31
R$ 737,108.04
R$ 734,922.07
R$ 732,730.35
R$ 730,532.84
R$ 728,329.51
R$ 726,120.30
R$ 723,905.18
R$ 721,684.11
R$ 719,457.04
R$ 717,223.93
R$ 714,984.74
R$ 712,739.42
R$ 710,487.92
R$ 708,230.21
R$ 705,966.23
R$ 703,695.95
R$ 701,419.32
R$ 699,136.29
R$ 696,846.81
R$ 694,550.84
R$ 692,248.34
R$ 689,939.25
R$ 687,623.52
R$ 685,301.12
R$ 682,971.99
R$ 680,636.09
R$ 678,293.35
R$ 675,943.75
R$ 673,587.21
R$ 671,223.71
R$ 668,853.18
R$ 666,475.57
R$ 664,090.84
R$ 661,698.94
R$ 659,299.80
R$ 656,893.38
R$ 654,479.63
R$ 652,058.49
R$ 649,629.91
R$ 647,193.84
R$ 644,750.22
R$ 642,299.00
R$ 639,840.12
R$ 637,373.53
R$ 634,899.18
R$ 632,417.00
R$ 629,926.94
R$ 627,428.94
R$ 624,922.95
R$ 622,408.91
R$ 619,886.76
R$ 617,356.44
R$ 614,817.90
R$ 612,271.07
R$ 609,715.89
R$ 607,152.31
R$ 604,580.26
R$ 601,999.69
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R$ 596,812.71
R$ 594,206.18
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R$ 578,380.48
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R$ 573,032.64
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R$ 548,499.44
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R$ 537,341.01
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R$ 531,700.85
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R$ 526,019.29
R$ 523,162.80
R$ 520,295.73
R$ 517,418.00
R$ 514,529.54
R$ 511,630.28
R$ 508,720.13
R$ 505,799.01
R$ 502,866.85
R$ 499,923.57
R$ 496,969.09
R$ 494,003.32
R$ 491,026.19
R$ 488,037.61
R$ 485,037.50
R$ 482,025.78
R$ 479,002.36
R$ 475,967.16
R$ 472,920.10
R$ 469,861.08
R$ 466,790.03
R$ 463,706.85
R$ 460,611.46
R$ 457,503.78
R$ 454,383.70
R$ 451,251.15
R$ 448,106.03
R$ 444,948.26
R$ 441,777.73
R$ 438,594.36
R$ 435,398.06
R$ 432,188.74
R$ 428,966.29
R$ 425,730.63
R$ 422,481.65
R$ 419,219.28
R$ 415,943.39
R$ 412,653.91
R$ 409,350.73
R$ 406,033.76
R$ 402,702.88
R$ 399,358.01
R$ 395,999.05
R$ 392,625.88
R$ 389,238.41
R$ 385,836.54
R$ 382,420.16
R$ 378,989.17
R$ 375,543.46
R$ 372,082.92
R$ 368,607.46
R$ 365,116.95
R$ 361,611.30
R$ 358,090.39
R$ 354,554.12
R$ 351,002.37
R$ 347,435.03
R$ 343,851.99
R$ 340,253.13
R$ 336,638.35
R$ 333,007.53
R$ 329,360.54
R$ 325,697.28
R$ 322,017.63
R$ 318,321.47
R$ 314,608.68
R$ 310,879.15
R$ 307,132.74
R$ 303,369.34
R$ 299,588.82
R$ 295,791.07
R$ 291,975.96
R$ 288,143.36
R$ 284,293.15
R$ 280,425.20
R$ 276,539.38
R$ 272,635.56
R$ 268,713.62
R$ 264,773.43
R$ 260,814.84
R$ 256,837.74
R$ 252,841.98
R$ 248,827.43
R$ 244,793.95
R$ 240,741.42
R$ 236,669.69
R$ 232,578.62
R$ 228,468.08
R$ 224,337.92
R$ 220,188.01
R$ 216,018.19
R$ 211,828.33
R$ 207,618.29
R$ 203,387.91
R$ 199,137.05
R$ 194,865.57
R$ 190,573.31
R$ 186,260.12
R$ 181,925.86
R$ 177,570.37
R$ 173,193.49
R$ 168,795.09
R$ 164,374.99
R$ 159,933.04
R$ 155,469.09
R$ 150,982.98
R$ 146,474.54
R$ 141,943.63
R$ 137,390.06
R$ 132,813.69
R$ 128,214.34
R$ 123,591.86
R$ 118,946.07
R$ 114,276.80
R$ 109,583.89
R$ 104,867.17
R$ 100,126.47
R$ 95,361.61
 R$ 90,572.41
R$ 85,758.71
R$ 80,920.32
R$ 76,057.08
R$ 71,168.79
R$ 66,255.28
R$ 61,316.37
R$ 56,351.87
R$ 51,361.60
R$ 46,345.38
R$ 41,303.01
R$ 36,234.31
R$ 31,139.09
R$ 26,017.15
R$ 20,868.31
R$ 15,692.37
R$ 10,489.14
R$ 5,258.41
R$ 0.00

AÇÃO MISTO (SAM)

1177193209225241257273289305321337353

uros da Parcela
Valor Financiado R$ 400,000.00
Taxa Nominal a.a 8% 0.643%
Prazo (meses) 360

SAC
Período Parcela a pagar Juros da parcela Amortização
1 R$2,857.59 R$1,746.48 R$1,111.11
2 R$2,851.68 R$1,740.57 R$1,111.11
3 R$2,845.77 R$1,734.66 R$1,111.11
4 R$2,839.87 R$1,728.76 R$1,111.11
5 R$2,833.97 R$1,722.86 R$1,111.11
6 R$2,828.07 R$1,716.96 R$1,111.11
7 R$2,822.18 R$1,711.07 R$1,111.11
8 R$2,816.30 R$1,705.19 R$1,111.11
9 R$2,810.42 R$1,699.30 R$1,111.11
10 R$2,804.54 R$1,693.43 R$1,111.11
11 R$2,798.67 R$1,687.56 R$1,111.11
12 R$2,792.80 R$1,681.69 R$1,111.11
13 R$2,786.94 R$1,675.83 R$1,111.11
14 R$2,781.08 R$1,669.97 R$1,111.11
15 R$2,775.23 R$1,664.12 R$1,111.11
16 R$2,769.38 R$1,658.27 R$1,111.11
17 R$2,763.54 R$1,652.43 R$1,111.11
18 R$2,757.70 R$1,646.59 R$1,111.11
19 R$2,751.87 R$1,640.76 R$1,111.11
20 R$2,746.04 R$1,634.93 R$1,111.11
21 R$2,740.22 R$1,629.11 R$1,111.11
22 R$2,734.40 R$1,623.29 R$1,111.11
23 R$2,728.59 R$1,617.47 R$1,111.11
24 R$2,722.78 R$1,611.67 R$1,111.11
25 R$2,716.97 R$1,605.86 R$1,111.11
26 R$2,711.17 R$1,600.06 R$1,111.11
27 R$2,705.38 R$1,594.27 R$1,111.11
28 R$2,699.59 R$1,588.48 R$1,111.11
29 R$2,693.81 R$1,582.69 R$1,111.11
30 R$2,688.03 R$1,576.91 R$1,111.11
31 R$2,682.25 R$1,571.14 R$1,111.11
32 R$2,676.48 R$1,565.37 R$1,111.11
33 R$2,670.72 R$1,559.61 R$1,111.11
34 R$2,664.96 R$1,553.85 R$1,111.11
35 R$2,659.20 R$1,548.09 R$1,111.11
36 R$2,653.45 R$1,542.34 R$1,111.11
37 R$2,647.71 R$1,536.60 R$1,111.11
38 R$2,641.97 R$1,530.86 R$1,111.11
39 R$2,636.24 R$1,525.12 R$1,111.11
40 R$2,630.51 R$1,519.39 R$1,111.11
41 R$2,624.78 R$1,513.67 R$1,111.11
42 R$2,619.06 R$1,507.95 R$1,111.11
43 R$2,613.35 R$1,502.24 R$1,111.11
44 R$2,607.64 R$1,496.53 R$1,111.11
45 R$2,601.94 R$1,490.82 R$1,111.11
46 R$2,596.24 R$1,485.13 R$1,111.11
47 R$2,590.54 R$1,479.43 R$1,111.11
48 R$2,584.86 R$1,473.74 R$1,111.11
49 R$2,579.17 R$1,468.06 R$1,111.11
50 R$2,573.49 R$1,462.38 R$1,111.11
51 R$2,567.82 R$1,456.71 R$1,111.11
52 R$2,562.15 R$1,451.04 R$1,111.11
53 R$2,556.49 R$1,445.38 R$1,111.11
54 R$2,550.83 R$1,439.72 R$1,111.11
55 R$2,545.18 R$1,434.07 R$1,111.11
56 R$2,539.54 R$1,428.43 R$1,111.11
57 R$2,533.90 R$1,422.78 R$1,111.11
58 R$2,528.26 R$1,417.15 R$1,111.11
59 R$2,522.63 R$1,411.52 R$1,111.11
60 R$2,517.00 R$1,405.89 R$1,111.11
61 R$2,511.38 R$1,400.27 R$1,111.11
62 R$2,505.77 R$1,394.66 R$1,111.11
63 R$2,500.16 R$1,389.05 R$1,111.11
64 R$2,494.56 R$1,383.44 R$1,111.11
65 R$2,488.96 R$1,377.85 R$1,111.11
66 R$2,483.36 R$1,372.25 R$1,111.11
67 R$2,477.78 R$1,366.67 R$1,111.11
68 R$2,472.19 R$1,361.08 R$1,111.11
69 R$2,466.62 R$1,355.51 R$1,111.11
70 R$2,461.05 R$1,349.93 R$1,111.11
71 R$2,455.48 R$1,344.37 R$1,111.11
 72 R$2,449.92 R$1,338.81 R$1,111.11
73 R$2,444.36 R$1,333.25 R$1,111.11
74 R$2,438.81 R$1,327.70 R$1,111.11
75 R$2,433.27 R$1,322.16 R$1,111.11
76 R$2,427.73 R$1,316.62 R$1,111.11
77 R$2,422.20 R$1,311.09 R$1,111.11
78 R$2,416.67 R$1,305.56 R$1,111.11
79 R$2,411.15 R$1,300.04 R$1,111.11
80 R$2,405.63 R$1,294.52 R$1,111.11
81 R$2,400.12 R$1,289.01 R$1,111.11
82 R$2,394.62 R$1,283.51 R$1,111.11
83 R$2,389.12 R$1,278.01 R$1,111.11
84 R$2,383.62 R$1,272.51 R$1,111.11
85 R$2,378.14 R$1,267.02 R$1,111.11
86 R$2,372.65 R$1,261.54 R$1,111.11
87 R$2,367.18 R$1,256.06 R$1,111.11
88 R$2,361.70 R$1,250.59 R$1,111.11
89 R$2,356.24 R$1,245.13 R$1,111.11
90 R$2,350.78 R$1,239.67 R$1,111.11
91 R$2,345.32 R$1,234.21 R$1,111.11
92 R$2,339.88 R$1,228.76 R$1,111.11
93 R$2,334.43 R$1,223.32 R$1,111.11
94 R$2,329.00 R$1,217.88 R$1,111.11
95 R$2,323.56 R$1,212.45 R$1,111.11
96 R$2,318.14 R$1,207.03 R$1,111.11
97 R$2,312.72 R$1,201.61 R$1,111.11
98 R$2,307.30 R$1,196.19 R$1,111.11
99 R$2,301.90 R$1,190.78 R$1,111.11
100 R$2,296.49 R$1,185.38 R$1,111.11
101 R$2,291.10 R$1,179.99 R$1,111.11
102 R$2,285.71 R$1,174.59 R$1,111.11
103 R$2,280.32 R$1,169.21 R$1,111.11
104 R$2,274.94 R$1,163.83 R$1,111.11
105 R$2,269.57 R$1,158.46 R$1,111.11
106 R$2,264.20 R$1,153.09 R$1,111.11
107 R$2,258.84 R$1,147.73 R$1,111.11
108 R$2,253.48 R$1,142.37 R$1,111.11
109 R$2,248.13 R$1,137.02 R$1,111.11
110 R$2,242.79 R$1,131.68 R$1,111.11
111 R$2,237.45 R$1,126.34 R$1,111.11
112 R$2,232.12 R$1,121.01 R$1,111.11
113 R$2,226.79 R$1,115.68 R$1,111.11
114 R$2,221.47 R$1,110.36 R$1,111.11
115 R$2,216.16 R$1,105.05 R$1,111.11
116 R$2,210.85 R$1,099.74 R$1,111.11
117 R$2,205.55 R$1,094.44 R$1,111.11
118 R$2,200.25 R$1,089.14 R$1,111.11
119 R$2,194.96 R$1,083.85 R$1,111.11
120 R$2,189.68 R$1,078.57 R$1,111.11
121 R$2,184.40 R$1,073.29 R$1,111.11
122 R$2,179.13 R$1,068.02 R$1,111.11
123 R$2,173.86 R$1,062.75 R$1,111.11
124 R$2,168.60 R$1,057.49 R$1,111.11
125 R$2,163.35 R$1,052.24 R$1,111.11
126 R$2,158.10 R$1,046.99 R$1,111.11
127 R$2,152.86 R$1,041.75 R$1,111.11
128 R$2,147.63 R$1,036.51 R$1,111.11
129 R$2,142.40 R$1,031.28 R$1,111.11
130 R$2,137.17 R$1,026.06 R$1,111.11
131 R$2,131.96 R$1,020.84 R$1,111.11
132 R$2,126.75 R$1,015.63 R$1,111.11
133 R$2,121.54 R$1,010.43 R$1,111.11
134 R$2,116.34 R$1,005.23 R$1,111.11
135 R$2,111.15 R$1,000.04 R$1,111.11
136 R$2,105.96 R$994.85 R$1,111.11
137 R$2,100.79 R$989.67 R$1,111.11
138 R$2,095.61 R$984.50 R$1,111.11
139 R$2,090.44 R$979.33 R$1,111.11
140 R$2,085.28 R$974.17 R$1,111.11
141 R$2,080.13 R$969.02 R$1,111.11
142 R$2,074.98 R$963.87 R$1,111.11
143 R$2,069.84 R$958.73 R$1,111.11
144 R$2,064.70 R$953.59 R$1,111.11
145 R$2,059.57 R$948.46 R$1,111.11
146 R$2,054.45 R$943.34 R$1,111.11
147 R$2,049.33 R$938.22 R$1,111.11
148 R$2,044.22 R$933.11 R$1,111.11
149 R$2,039.12 R$928.01 R$1,111.11
150 R$2,034.02 R$922.91 R$1,111.11
151 R$2,028.93 R$917.82 R$1,111.11
152 R$2,023.85 R$912.73 R$1,111.11
153 R$2,018.77 R$907.66 R$1,111.11
154 R$2,013.69 R$902.58 R$1,111.11
155 R$2,008.63 R$897.52 R$1,111.11
156 R$2,003.57 R$892.46 R$1,111.11
157 R$1,998.52 R$887.41 R$1,111.11
158 R$1,993.47 R$882.36 R$1,111.11
159 R$1,988.43 R$877.32 R$1,111.11
160 R$1,983.40 R$872.29 R$1,111.11
161 R$1,978.37 R$867.26 R$1,111.11
162 R$1,973.35 R$862.24 R$1,111.11
163 R$1,968.34 R$857.23 R$1,111.11
164 R$1,963.33 R$852.22 R$1,111.11
165 R$1,958.33 R$847.22 R$1,111.11
166 R$1,953.33 R$842.22 R$1,111.11
167 R$1,948.35 R$837.24 R$1,111.11
168 R$1,943.37 R$832.25 R$1,111.11
169 R$1,938.39 R$827.28 R$1,111.11
170 R$1,933.42 R$822.31 R$1,111.11
171 R$1,928.46 R$817.35 R$1,111.11
172 R$1,923.51 R$812.40 R$1,111.11
173 R$1,918.56 R$807.45 R$1,111.11
174 R$1,913.62 R$802.51 R$1,111.11
175 R$1,908.68 R$797.57 R$1,111.11
176 R$1,903.75 R$792.64 R$1,111.11
177 R$1,898.83 R$787.72 R$1,111.11
178 R$1,893.92 R$782.81 R$1,111.11
179 R$1,889.01 R$777.90 R$1,111.11
180 R$1,884.11 R$773.00 R$1,111.11
181 R$1,879.21 R$768.10 R$1,111.11
182 R$1,874.32 R$763.21 R$1,111.11
183 R$1,869.44 R$758.33 R$1,111.11
184 R$1,864.57 R$753.46 R$1,111.11
185 R$1,859.70 R$748.59 R$1,111.11
186 R$1,854.84 R$743.73 R$1,111.11
187 R$1,849.98 R$738.87 R$1,111.11
188 R$1,845.14 R$734.02 R$1,111.11
189 R$1,840.29 R$729.18 R$1,111.11
190 R$1,835.46 R$724.35 R$1,111.11
191 R$1,830.63 R$719.52 R$1,111.11
192 R$1,825.81 R$714.70 R$1,111.11
193 R$1,821.00 R$709.89 R$1,111.11
194 R$1,816.19 R$705.08 R$1,111.11
195 R$1,811.39 R$700.28 R$1,111.11
196 R$1,806.60 R$695.49 R$1,111.11
197 R$1,801.81 R$690.70 R$1,111.11
198 R$1,797.03 R$685.92 R$1,111.11
199 R$1,792.26 R$681.15 R$1,111.11
200 R$1,787.49 R$676.38 R$1,111.11
201 R$1,782.73 R$671.62 R$1,111.11
202 R$1,777.98 R$666.87 R$1,111.11
203 R$1,773.23 R$662.12 R$1,111.11
204 R$1,768.50 R$657.38 R$1,111.11
205 R$1,763.76 R$652.65 R$1,111.11
206 R$1,759.04 R$647.93 R$1,111.11
207 R$1,754.32 R$643.21 R$1,111.11
208 R$1,749.61 R$638.50 R$1,111.11
209 R$1,744.91 R$633.80 R$1,111.11
210 R$1,740.21 R$629.10 R$1,111.11
211 R$1,735.52 R$624.41 R$1,111.11
212 R$1,730.84 R$619.73 R$1,111.11
213 R$1,726.16 R$615.05 R$1,111.11
214 R$1,721.49 R$610.38 R$1,111.11
215 R$1,716.83 R$605.72 R$1,111.11
216 R$1,712.18 R$601.06 R$1,111.11
217 R$1,707.53 R$596.42 R$1,111.11
218 R$1,702.89 R$591.78 R$1,111.11
219 R$1,698.25 R$587.14 R$1,111.11
220 R$1,693.63 R$582.51 R$1,111.11
221 R$1,689.01 R$577.89 R$1,111.11
222 R$1,684.39 R$573.28 R$1,111.11
223 R$1,679.79 R$568.68 R$1,111.11
224 R$1,675.19 R$564.08 R$1,111.11
225 R$1,670.60 R$559.49 R$1,111.11
226 R$1,666.01 R$554.90 R$1,111.11
227 R$1,661.44 R$550.32 R$1,111.11
228 R$1,656.86 R$545.75 R$1,111.11
229 R$1,652.30 R$541.19 R$1,111.11
230 R$1,647.75 R$536.63 R$1,111.11
231 R$1,643.20 R$532.09 R$1,111.11
232 R$1,638.65 R$527.54 R$1,111.11
233 R$1,634.12 R$523.01 R$1,111.11
234 R$1,629.59 R$518.48 R$1,111.11
235 R$1,625.07 R$513.96 R$1,111.11
236 R$1,620.56 R$509.45 R$1,111.11
237 R$1,616.05 R$504.94 R$1,111.11
238 R$1,611.55 R$500.44 R$1,111.11
239 R$1,607.06 R$495.95 R$1,111.11
240 R$1,602.58 R$491.47 R$1,111.11
241 R$1,598.10 R$486.99 R$1,111.11
242 R$1,593.63 R$482.52 R$1,111.11
243 R$1,589.17 R$478.06 R$1,111.11
244 R$1,584.71 R$473.60 R$1,111.11
245 R$1,580.26 R$469.15 R$1,111.11
246 R$1,575.82 R$464.71 R$1,111.11
247 R$1,571.39 R$460.28 R$1,111.11
248 R$1,566.96 R$455.85 R$1,111.11
249 R$1,562.54 R$451.43 R$1,111.11
250 R$1,558.13 R$447.02 R$1,111.11
251 R$1,553.72 R$442.61 R$1,111.11
252 R$1,549.33 R$438.22 R$1,111.11
253 R$1,544.94 R$433.83 R$1,111.11
254 R$1,540.55 R$429.44 R$1,111.11
255 R$1,536.18 R$425.07 R$1,111.11
256 R$1,531.81 R$420.70 R$1,111.11
257 R$1,527.45 R$416.34 R$1,111.11
258 R$1,523.09 R$411.98 R$1,111.11
259 R$1,518.75 R$407.64 R$1,111.11
260 R$1,514.41 R$403.30 R$1,111.11
261 R$1,510.08 R$398.96 R$1,111.11
262 R$1,505.75 R$394.64 R$1,111.11
263 R$1,501.43 R$390.32 R$1,111.11
264 R$1,497.12 R$386.01 R$1,111.11
265 R$1,492.82 R$381.71 R$1,111.11
266 R$1,488.53 R$377.42 R$1,111.11
267 R$1,484.24 R$373.13 R$1,111.11
268 R$1,479.96 R$368.85 R$1,111.11
269 R$1,475.68 R$364.57 R$1,111.11
270 R$1,471.42 R$360.31 R$1,111.11
271 R$1,467.16 R$356.05 R$1,111.11
272 R$1,462.91 R$351.80 R$1,111.11
273 R$1,458.67 R$347.56 R$1,111.11
274 R$1,454.43 R$343.32 R$1,111.11
275 R$1,450.20 R$339.09 R$1,111.11
276 R$1,445.98 R$334.87 R$1,111.11
277 R$1,441.77 R$330.66 R$1,111.11
278 R$1,437.56 R$326.45 R$1,111.11
279 R$1,433.36 R$322.25 R$1,111.11
280 R$1,429.17 R$318.06 R$1,111.11
281 R$1,424.98 R$313.87 R$1,111.11
282 R$1,420.81 R$309.70 R$1,111.11
283 R$1,416.64 R$305.53 R$1,111.11
284 R$1,412.48 R$301.37 R$1,111.11
285 R$1,408.32 R$297.21 R$1,111.11
286 R$1,404.18 R$293.06 R$1,111.11
287 R$1,400.04 R$288.93 R$1,111.11
288 R$1,395.90 R$284.79 R$1,111.11
289 R$1,391.78 R$280.67 R$1,111.11
290 R$1,387.66 R$276.55 R$1,111.11
291 R$1,383.55 R$272.44 R$1,111.11
292 R$1,379.45 R$268.34 R$1,111.11
293 R$1,375.36 R$264.25 R$1,111.11
294 R$1,371.27 R$260.16 R$1,111.11
295 R$1,367.19 R$256.08 R$1,111.11
296 R$1,363.12 R$252.01 R$1,111.11
297 R$1,359.05 R$247.94 R$1,111.11
298 R$1,355.00 R$243.89 R$1,111.11
299 R$1,350.95 R$239.84 R$1,111.11
300 R$1,346.90 R$235.79 R$1,111.11
301 R$1,342.87 R$231.76 R$1,111.11
302 R$1,338.84 R$227.73 R$1,111.11
303 R$1,334.82 R$223.71 R$1,111.11
304 R$1,330.81 R$219.70 R$1,111.11
305 R$1,326.81 R$215.70 R$1,111.11
306 R$1,322.81 R$211.70 R$1,111.11
307 R$1,318.82 R$207.71 R$1,111.11
308 R$1,314.84 R$203.73 R$1,111.11
309 R$1,310.87 R$199.75 R$1,111.11
310 R$1,306.90 R$195.79 R$1,111.11
311 R$1,302.94 R$191.83 R$1,111.11
312 R$1,298.99 R$187.88 R$1,111.11
313 R$1,295.05 R$183.93 R$1,111.11
314 R$1,291.11 R$180.00 R$1,111.11
315 R$1,287.18 R$176.07 R$1,111.11
316 R$1,283.26 R$172.15 R$1,111.11
317 R$1,279.35 R$168.23 R$1,111.11
318 R$1,275.44 R$164.33 R$1,111.11
319 R$1,271.54 R$160.43 R$1,111.11
320 R$1,267.65 R$156.54 R$1,111.11
321 R$1,263.77 R$152.66 R$1,111.11
322 R$1,259.89 R$148.78 R$1,111.11
323 R$1,256.02 R$144.91 R$1,111.11
324 R$1,252.16 R$141.05 R$1,111.11
325 R$1,248.31 R$137.20 R$1,111.11
326 R$1,244.46 R$133.35 R$1,111.11
327 R$1,240.63 R$129.52 R$1,111.11
328 R$1,236.80 R$125.69 R$1,111.11
329 R$1,232.97 R$121.86 R$1,111.11
330 R$1,229.16 R$118.05 R$1,111.11
331 R$1,225.35 R$114.24 R$1,111.11
332 R$1,221.55 R$110.44 R$1,111.11
333 R$1,217.76 R$106.65 R$1,111.11
334 R$1,213.98 R$102.87 R$1,111.11
335 R$1,210.20 R$99.09 R$1,111.11
336 R$1,206.43 R$95.32 R$1,111.11
337 R$1,202.67 R$91.56 R$1,111.11
338 R$1,198.91 R$87.80 R$1,111.11
339 R$1,195.17 R$84.06 R$1,111.11
340 R$1,191.43 R$80.32 R$1,111.11
341 R$1,187.70 R$76.59 R$1,111.11
342 R$1,183.98 R$72.86 R$1,111.11
343 R$1,180.26 R$69.15 R$1,111.11
344 R$1,176.55 R$65.44 R$1,111.11
345 R$1,172.85 R$61.74 R$1,111.11
346 R$1,169.16 R$58.05 R$1,111.11
347 R$1,165.47 R$54.36 R$1,111.11
348 R$1,161.80 R$50.68 R$1,111.11
349 R$1,158.13 R$47.01 R$1,111.11
350 R$1,154.46 R$43.35 R$1,111.11
351 R$1,150.81 R$39.70 R$1,111.11
352 R$1,147.16 R$36.05 R$1,111.11
353 R$1,143.52 R$32.41 R$1,111.11
354 R$1,139.89 R$28.78 R$1,111.11
355 R$1,136.27 R$25.15 R$1,111.11
356 R$1,132.65 R$21.54 R$1,111.11
357 R$1,129.04 R$17.93 R$1,111.11
358 R$1,125.44 R$14.33 R$1,111.11
359 R$1,121.85 R$10.73 R$1,111.11
360 R$1,118.26 R$7.15 R$1,111.11

SISTEMA DE AMORTIZAÇÃO CONSTANTE (SAC)

R$3,500.00

R$3,000.00

R$2,500.00

R$2,000.00

R$1,500.00

R$1,000.00

R$500.00

R$0.00
1 17 33 49 65 81 97 113129145161177193209225241257273289305321337353

Amortização Juros da Parcela

 a. R$1,111.11 R$100,000.00 Entrada
b. R$568,753.93 R$302,087.26 120 parcelas
c. R$2,857.59 Parcela R$266,666.67 120 Saldo dev.
R$691,759.36 Total

PRICE = SPC
Saldo devedor após o pagamento Período Parcela a pagar Juros da parcela
R$398,888.89 1 R$2,857.59 R$2,573.61
R$397,777.78 2 R$2,857.59 R$2,571.78
R$396,666.67 3 R$2,857.59 R$2,569.95
R$395,555.56 4 R$2,857.59 R$2,568.10
R$394,444.44 5 R$2,857.59 R$2,566.23
R$393,333.33 6 R$2,857.59 R$2,564.36
R$392,222.22 7 R$2,857.59 R$2,562.47
R$391,111.11 8 R$2,857.59 R$2,560.57
R$390,000.00 9 R$2,857.59 R$2,558.66
R$388,888.89 10 R$2,857.59 R$2,556.74
R$387,777.78 11 R$2,857.59 R$2,554.80
R$386,666.67 12 R$2,857.59 R$2,552.85
R$385,555.56 13 R$2,857.59 R$2,550.89
R$384,444.44 14 R$2,857.59 R$2,548.92
R$383,333.33 15 R$2,857.59 R$2,546.93
R$382,222.22 16 R$2,857.59 R$2,544.94
R$381,111.11 17 R$2,857.59 R$2,542.92
R$380,000.00 18 R$2,857.59 R$2,540.90
R$378,888.89 19 R$2,857.59 R$2,538.86
R$377,777.78 20 R$2,857.59 R$2,536.81
R$376,666.67 21 R$2,857.59 R$2,534.75
R$375,555.56 22 R$2,857.59 R$2,532.67
R$374,444.44 23 R$2,857.59 R$2,530.58
R$373,333.33 24 R$2,857.59 R$2,528.48
R$372,222.22 25 R$2,857.59 R$2,526.36
R$371,111.11 26 R$2,857.59 R$2,524.23
R$370,000.00 27 R$2,857.59 R$2,522.08
R$368,888.89 28 R$2,857.59 R$2,519.92
R$367,777.78 29 R$2,857.59 R$2,517.75
R$366,666.67 30 R$2,857.59 R$2,515.56
R$365,555.56 31 R$2,857.59 R$2,513.36
R$364,444.44 32 R$2,857.59 R$2,511.15
R$363,333.33 33 R$2,857.59 R$2,508.92
R$362,222.22 34 R$2,857.59 R$2,506.68
R$361,111.11 35 R$2,857.59 R$2,504.42
R$360,000.00 36 R$2,857.59 R$2,502.15
R$358,888.89 37 R$2,857.59 R$2,499.86
R$357,777.78 38 R$2,857.59 R$2,497.56
R$356,666.67 39 R$2,857.59 R$2,495.24
R$355,555.56 40 R$2,857.59 R$2,492.91
R$354,444.44 41 R$2,857.59 R$2,490.56
R$353,333.33 42 R$2,857.59 R$2,488.20
R$352,222.22 43 R$2,857.59 R$2,485.83
R$351,111.11 44 R$2,857.59 R$2,483.43
R$350,000.00 45 R$2,857.59 R$2,481.03
R$348,888.89 46 R$2,857.59 R$2,478.60
R$347,777.78 47 R$2,857.59 R$2,476.16
R$346,666.67 48 R$2,857.59 R$2,473.71
R$345,555.56 49 R$2,857.59 R$2,471.24
R$344,444.44 50 R$2,857.59 R$2,468.75
R$343,333.33 51 R$2,857.59 R$2,466.25
R$342,222.22 52 R$2,857.59 R$2,463.73
R$341,111.11 53 R$2,857.59 R$2,461.20
R$340,000.00 54 R$2,857.59 R$2,458.65
R$338,888.89 55 R$2,857.59 R$2,456.08
R$337,777.78 56 R$2,857.59 R$2,453.50
R$336,666.67 57 R$2,857.59 R$2,450.90
R$335,555.56 58 R$2,857.59 R$2,448.28
R$334,444.44 59 R$2,857.59 R$2,445.65
R$333,333.33 60 R$2,857.59 R$2,443.00
R$332,222.22 61 R$2,857.59 R$2,440.33
R$331,111.11 62 R$2,857.59 R$2,437.65
R$330,000.00 63 R$2,857.59 R$2,434.95
R$328,888.89 64 R$2,857.59 R$2,432.23
R$327,777.78 65 R$2,857.59 R$2,429.49
R$326,666.67 66 R$2,857.59 R$2,426.74
R$325,555.56 67 R$2,857.59 R$2,423.96
R$324,444.44 68 R$2,857.59 R$2,421.17
R$323,333.33 69 R$2,857.59 R$2,418.37
R$322,222.22 70 R$2,857.59 R$2,415.54
R$321,111.11 71 R$2,857.59 R$2,412.69
R$320,000.00 72 R$2,857.59 R$2,409.83
R$318,888.89 73 R$2,857.59 R$2,406.95
R$317,777.78 74 R$2,857.59 R$2,404.05
R$316,666.67 75 R$2,857.59 R$2,401.13
R$315,555.56 76 R$2,857.59 R$2,398.20
R$314,444.44 77 R$2,857.59 R$2,395.24
R$313,333.33 78 R$2,857.59 R$2,392.27
R$312,222.22 79 R$2,857.59 R$2,389.27
R$311,111.11 80 R$2,857.59 R$2,386.26
R$310,000.00 81 R$2,857.59 R$2,383.23
R$308,888.89 82 R$2,857.59 R$2,380.17
R$307,777.78 83 R$2,857.59 R$2,377.10
R$306,666.67 84 R$2,857.59 R$2,374.01
R$305,555.56 85 R$2,857.59 R$2,370.90
R$304,444.44 86 R$2,857.59 R$2,367.77
R$303,333.33 87 R$2,857.59 R$2,364.62
R$302,222.22 88 R$2,857.59 R$2,361.45
R$301,111.11 89 R$2,857.59 R$2,358.25
R$300,000.00 90 R$2,857.59 R$2,355.04
R$298,888.89 91 R$2,857.59 R$2,351.81
R$297,777.78 92 R$2,857.59 R$2,348.55
R$296,666.67 93 R$2,857.59 R$2,345.28
R$295,555.56 94 R$2,857.59 R$2,341.98
R$294,444.44 95 R$2,857.59 R$2,338.66
R$293,333.33 96 R$2,857.59 R$2,335.33
R$292,222.22 97 R$2,857.59 R$2,331.97
R$291,111.11 98 R$2,857.59 R$2,328.58
R$290,000.00 99 R$2,857.59 R$2,325.18
R$288,888.89 100 R$2,857.59 R$2,321.75
R$287,777.78 101 R$2,857.59 R$2,318.31
R$286,666.67 102 R$2,857.59 R$2,314.84
R$285,555.56 103 R$2,857.59 R$2,311.34
R$284,444.44 104 R$2,857.59 R$2,307.83
R$283,333.33 105 R$2,857.59 R$2,304.29
R$282,222.22 106 R$2,857.59 R$2,300.73
R$281,111.11 107 R$2,857.59 R$2,297.15
R$280,000.00 108 R$2,857.59 R$2,293.54
R$278,888.89 109 R$2,857.59 R$2,289.91
R$277,777.78 110 R$2,857.59 R$2,286.26
R$276,666.67 111 R$2,857.59 R$2,282.59
R$275,555.56 112 R$2,857.59 R$2,278.89
R$274,444.44 113 R$2,857.59 R$2,275.16
R$273,333.33 114 R$2,857.59 R$2,271.42
R$272,222.22 115 R$2,857.59 R$2,267.64
R$271,111.11 116 R$2,857.59 R$2,263.85
R$270,000.00 117 R$2,857.59 R$2,260.03
R$268,888.89 118 R$2,857.59 R$2,256.18
R$267,777.78 119 R$2,857.59 R$2,252.31
R$266,666.67 120 R$2,857.59 R$2,248.42
R$265,555.56 121 R$2,857.59 R$2,244.50
R$264,444.44 122 R$2,857.59 R$2,240.56
R$263,333.33 123 R$2,857.59 R$2,236.59
R$262,222.22 124 R$2,857.59 R$2,232.59
R$261,111.11 125 R$2,857.59 R$2,228.57
R$260,000.00 126 R$2,857.59 R$2,224.52
R$258,888.89 127 R$2,857.59 R$2,220.45
R$257,777.78 128 R$2,857.59 R$2,216.35
R$256,666.67 129 R$2,857.59 R$2,212.22
R$255,555.56 130 R$2,857.59 R$2,208.07
R$254,444.44 131 R$2,857.59 R$2,203.89
R$253,333.33 132 R$2,857.59 R$2,199.69
R$252,222.22 133 R$2,857.59 R$2,195.45
R$251,111.11 134 R$2,857.59 R$2,191.19
R$250,000.00 135 R$2,857.59 R$2,186.91
R$248,888.89 136 R$2,857.59 R$2,182.59
R$247,777.78 137 R$2,857.59 R$2,178.25
R$246,666.67 138 R$2,857.59 R$2,173.88
R$245,555.56 139 R$2,857.59 R$2,169.48
R$244,444.44 140 R$2,857.59 R$2,165.05
R$243,333.33 141 R$2,857.59 R$2,160.59
R$242,222.22 142 R$2,857.59 R$2,156.11
R$241,111.11 143 R$2,857.59 R$2,151.60
R$240,000.00 144 R$2,857.59 R$2,147.05
R$238,888.89 145 R$2,857.59 R$2,142.48
R$237,777.78 146 R$2,857.59 R$2,137.88
R$236,666.67 147 R$2,857.59 R$2,133.25
R$235,555.56 148 R$2,857.59 R$2,128.59
R$234,444.44 149 R$2,857.59 R$2,123.90
R$233,333.33 150 R$2,857.59 R$2,119.18
R$232,222.22 151 R$2,857.59 R$2,114.43
R$231,111.11 152 R$2,857.59 R$2,109.65
R$230,000.00 153 R$2,857.59 R$2,104.83
R$228,888.89 154 R$2,857.59 R$2,099.99
R$227,777.78 155 R$2,857.59 R$2,095.12
R$226,666.67 156 R$2,857.59 R$2,090.21
R$225,555.56 157 R$2,857.59 R$2,085.27
R$224,444.44 158 R$2,857.59 R$2,080.30
R$223,333.33 159 R$2,857.59 R$2,075.30
R$222,222.22 160 R$2,857.59 R$2,070.27
R$221,111.11 161 R$2,857.59 R$2,065.20
R$220,000.00 162 R$2,857.59 R$2,060.11
R$218,888.89 163 R$2,857.59 R$2,054.98
R$217,777.78 164 R$2,857.59 R$2,049.81
R$216,666.67 165 R$2,857.59 R$2,044.61
R$215,555.56 166 R$2,857.59 R$2,039.38
R$214,444.44 167 R$2,857.59 R$2,034.12
R$213,333.33 168 R$2,857.59 R$2,028.82
R$212,222.22 169 R$2,857.59 R$2,023.49
R$211,111.11 170 R$2,857.59 R$2,018.12
R$210,000.00 171 R$2,857.59 R$2,012.72
R$208,888.89 172 R$2,857.59 R$2,007.28
R$207,777.78 173 R$2,857.59 R$2,001.81
R$206,666.67 174 R$2,857.59 R$1,996.31
R$205,555.56 175 R$2,857.59 R$1,990.77
R$204,444.44 176 R$2,857.59 R$1,985.19
R$203,333.33 177 R$2,857.59 R$1,979.58
R$202,222.22 178 R$2,857.59 R$1,973.93
R$201,111.11 179 R$2,857.59 R$1,968.24
R$200,000.00 180 R$2,857.59 R$1,962.52
R$198,888.89 181 R$2,857.59 R$1,956.76
R$197,777.78 182 R$2,857.59 R$1,950.96
R$196,666.67 183 R$2,857.59 R$1,945.13
R$195,555.56 184 R$2,857.59 R$1,939.26
R$194,444.44 185 R$2,857.59 R$1,933.35
R$193,333.33 186 R$2,857.59 R$1,927.40
R$192,222.22 187 R$2,857.59 R$1,921.42
R$191,111.11 188 R$2,857.59 R$1,915.40
R$190,000.00 189 R$2,857.59 R$1,909.33
R$188,888.89 190 R$2,857.59 R$1,903.23
R$187,777.78 191 R$2,857.59 R$1,897.09
R$186,666.67 192 R$2,857.59 R$1,890.91
R$185,555.56 193 R$2,857.59 R$1,884.69
R$184,444.44 194 R$2,857.59 R$1,878.43
R$183,333.33 195 R$2,857.59 R$1,872.13
R$182,222.22 196 R$2,857.59 R$1,865.79
R$181,111.11 197 R$2,857.59 R$1,859.41
R$180,000.00 198 R$2,857.59 R$1,852.99
R$178,888.89 199 R$2,857.59 R$1,846.53
R$177,777.78 200 R$2,857.59 R$1,840.02
R$176,666.67 201 R$2,857.59 R$1,833.47
R$175,555.56 202 R$2,857.59 R$1,826.88
R$174,444.44 203 R$2,857.59 R$1,820.25
R$173,333.33 204 R$2,857.59 R$1,813.58
R$172,222.22 205 R$2,857.59 R$1,806.86
R$171,111.11 206 R$2,857.59 R$1,800.10
R$170,000.00 207 R$2,857.59 R$1,793.30
R$168,888.89 208 R$2,857.59 R$1,786.45
R$167,777.78 209 R$2,857.59 R$1,779.56
R$166,666.67 210 R$2,857.59 R$1,772.62
R$165,555.56 211 R$2,857.59 R$1,765.64
R$164,444.44 212 R$2,857.59 R$1,758.61
R$163,333.33 213 R$2,857.59 R$1,751.54
R$162,222.22 214 R$2,857.59 R$1,744.43
R$161,111.11 215 R$2,857.59 R$1,737.27
R$160,000.00 216 R$2,857.59 R$1,730.06
R$158,888.89 217 R$2,857.59 R$1,722.80
R$157,777.78 218 R$2,857.59 R$1,715.50
R$156,666.67 219 R$2,857.59 R$1,708.15
R$155,555.56 220 R$2,857.59 R$1,700.76
R$154,444.44 221 R$2,857.59 R$1,693.31
R$153,333.33 222 R$2,857.59 R$1,685.82
R$152,222.22 223 R$2,857.59 R$1,678.28
R$151,111.11 224 R$2,857.59 R$1,670.70
R$150,000.00 225 R$2,857.59 R$1,663.06
R$148,888.89 226 R$2,857.59 R$1,655.37
R$147,777.78 227 R$2,857.59 R$1,647.64
R$146,666.67 228 R$2,857.59 R$1,639.85
R$145,555.56 229 R$2,857.59 R$1,632.02
R$144,444.44 230 R$2,857.59 R$1,624.13
R$143,333.33 231 R$2,857.59 R$1,616.20
R$142,222.22 232 R$2,857.59 R$1,608.21
R$141,111.11 233 R$2,857.59 R$1,600.17
R$140,000.00 234 R$2,857.59 R$1,592.08
R$138,888.89 235 R$2,857.59 R$1,583.94
R$137,777.78 236 R$2,857.59 R$1,575.75
R$136,666.67 237 R$2,857.59 R$1,567.50
R$135,555.56 238 R$2,857.59 R$1,559.20
R$134,444.44 239 R$2,857.59 R$1,550.84
R$133,333.33 240 R$2,857.59 R$1,542.44
R$132,222.22 241 R$2,857.59 R$1,533.97
R$131,111.11 242 R$2,857.59 R$1,525.46
R$130,000.00 243 R$2,857.59 R$1,516.89
R$128,888.89 244 R$2,857.59 R$1,508.26
R$127,777.78 245 R$2,857.59 R$1,499.58
R$126,666.67 246 R$2,857.59 R$1,490.84
R$125,555.56 247 R$2,857.59 R$1,482.05
R$124,444.44 248 R$2,857.59 R$1,473.20
R$123,333.33 249 R$2,857.59 R$1,464.29
R$122,222.22 250 R$2,857.59 R$1,455.33
R$121,111.11 251 R$2,857.59 R$1,446.30
R$120,000.00 252 R$2,857.59 R$1,437.22
R$118,888.89 253 R$2,857.59 R$1,428.08
R$117,777.78 254 R$2,857.59 R$1,418.89
R$116,666.67 255 R$2,857.59 R$1,409.63
R$115,555.56 256 R$2,857.59 R$1,400.31
R$114,444.44 257 R$2,857.59 R$1,390.94
R$113,333.33 258 R$2,857.59 R$1,381.50
R$112,222.22 259 R$2,857.59 R$1,372.00
R$111,111.11 260 R$2,857.59 R$1,362.45
R$110,000.00 261 R$2,857.59 R$1,352.83
R$108,888.89 262 R$2,857.59 R$1,343.14
R$107,777.78 263 R$2,857.59 R$1,333.40
R$106,666.67 264 R$2,857.59 R$1,323.59
R$105,555.56 265 R$2,857.59 R$1,313.72
R$104,444.44 266 R$2,857.59 R$1,303.79
R$103,333.33 267 R$2,857.59 R$1,293.79
R$102,222.22 268 R$2,857.59 R$1,283.73
R$101,111.11 269 R$2,857.59 R$1,273.61
R$100,000.00 270 R$2,857.59 R$1,263.41
R$98,888.89 271 R$2,857.59 R$1,253.16
R$97,777.78 272 R$2,857.59 R$1,242.83
R$96,666.67 273 R$2,857.59 R$1,232.44
R$95,555.56 274 R$2,857.59 R$1,221.99
R$94,444.44 275 R$2,857.59 R$1,211.47
R$93,333.33 276 R$2,857.59 R$1,200.87
R$92,222.22 277 R$2,857.59 R$1,190.21
R$91,111.11 278 R$2,857.59 R$1,179.49
R$90,000.00 279 R$2,857.59 R$1,168.69
R$88,888.89 280 R$2,857.59 R$1,157.82
R$87,777.78 281 R$2,857.59 R$1,146.89
R$86,666.67 282 R$2,857.59 R$1,135.88
R$85,555.56 283 R$2,857.59 R$1,124.80
R$84,444.44 284 R$2,857.59 R$1,113.65
R$83,333.33 285 R$2,857.59 R$1,102.43
R$82,222.22 286 R$2,857.59 R$1,091.14
R$81,111.11 287 R$2,857.59 R$1,079.77
R$80,000.00 288 R$2,857.59 R$1,068.34
R$78,888.89 289 R$2,857.59 R$1,056.82
R$77,777.78 290 R$2,857.59 R$1,045.24
R$76,666.67 291 R$2,857.59 R$1,033.58
R$75,555.56 292 R$2,857.59 R$1,021.84
R$74,444.44 293 R$2,857.59 R$1,010.03
R$73,333.33 294 R$2,857.59 R$998.14
R$72,222.22 295 R$2,857.59 R$986.18
R$71,111.11 296 R$2,857.59 R$974.14
R$70,000.00 297 R$2,857.59 R$962.02
R$68,888.89 298 R$2,857.59 R$949.82
R$67,777.78 299 R$2,857.59 R$937.55
R$66,666.67 300 R$2,857.59 R$925.20
R$65,555.56 301 R$2,857.59 R$912.76
R$64,444.44 302 R$2,857.59 R$900.25
R$63,333.33 303 R$2,857.59 R$887.66
R$62,222.22 304 R$2,857.59 R$874.98
R$61,111.11 305 R$2,857.59 R$862.23
R$60,000.00 306 R$2,857.59 R$849.39
R$58,888.89 307 R$2,857.59 R$836.47
R$57,777.78 308 R$2,857.59 R$823.46
R$56,666.67 309 R$2,857.59 R$810.37
R$55,555.56 310 R$2,857.59 R$797.20
R$54,444.44 311 R$2,857.59 R$783.95
R$53,333.33 312 R$2,857.59 R$770.60
R$52,222.22 313 R$2,857.59 R$757.18
R$51,111.11 314 R$2,857.59 R$743.66
R$50,000.00 315 R$2,857.59 R$730.06
R$48,888.89 316 R$2,857.59 R$716.37
R$47,777.78 317 R$2,857.59 R$702.60
R$46,666.67 318 R$2,857.59 R$688.73
R$45,555.56 319 R$2,857.59 R$674.78
R$44,444.44 320 R$2,857.59 R$660.73
R$43,333.33 321 R$2,857.59 R$646.60
R$42,222.22 322 R$2,857.59 R$632.37
R$41,111.11 323 R$2,857.59 R$618.05
R$40,000.00 324 R$2,857.59 R$603.65
R$38,888.89 325 R$2,857.59 R$589.14
R$37,777.78 326 R$2,857.59 R$574.55
R$36,666.67 327 R$2,857.59 R$559.86
R$35,555.56 328 R$2,857.59 R$545.08
R$34,444.44 329 R$2,857.59 R$530.20
R$33,333.33 330 R$2,857.59 R$515.22
R$32,222.22 331 R$2,857.59 R$500.15
R$31,111.11 332 R$2,857.59 R$484.98
R$30,000.00 333 R$2,857.59 R$469.72
R$28,888.89 334 R$2,857.59 R$454.35
R$27,777.78 335 R$2,857.59 R$438.89
R$26,666.67 336 R$2,857.59 R$423.33
R$25,555.56 337 R$2,857.59 R$407.67
R$24,444.44 338 R$2,857.59 R$391.90
R$23,333.33 339 R$2,857.59 R$376.04
R$22,222.22 340 R$2,857.59 R$360.07
R$21,111.11 341 R$2,857.59 R$344.00
 R$20,000.00 342 R$2,857.59 R$327.83
R$18,888.89 343 R$2,857.59 R$311.56
R$17,777.78 344 R$2,857.59 R$295.17
R$16,666.67 345 R$2,857.59 R$278.69
R$15,555.56 346 R$2,857.59 R$262.10
R$14,444.44 347 R$2,857.59 R$245.40
R$13,333.33 348 R$2,857.59 R$228.59
R$12,222.22 349 R$2,857.59 R$211.67
R$11,111.11 350 R$2,857.59 R$194.65
R$10,000.00 351 R$2,857.59 R$177.52
R$8,888.89 352 R$2,857.59 R$160.27
R$7,777.78 353 R$2,857.59 R$142.92
R$6,666.67 354 R$2,857.59 R$125.45
R$5,555.56 355 R$2,857.59 R$107.87
R$4,444.44 356 R$2,857.59 R$90.18
R$3,333.33 357 R$2,857.59 R$72.38
R$2,222.22 358 R$2,857.59 R$54.46
R$1,111.11 359 R$2,857.59 R$36.42
R$0.00 360 R$2,857.59 R$18.27

NSTANTE (SAC) SISTEMA DE PAGAMENTOS CO

R$3,500.00

R$3,000.00

R$2,500.00

R$2,000.00

R$1,500.00

R$1,000.00

R$500.00

R$0.00
1 17 33 49 65 81 97 113129145161177193
09225241257273289305321337353
Amortização Juros da
rcela
PRICE = SPC
Amortização Saldo devedor após o pagamento
R$283.98 R$399,716.02
R$285.81 R$399,430.21
R$287.65 R$399,142.57
R$289.50 R$398,853.07
R$291.36 R$398,561.71
R$293.23 R$398,268.48
R$295.12 R$397,973.36
R$297.02 R$397,676.34
R$298.93 R$397,377.41
R$300.85 R$397,076.55
R$302.79 R$396,773.76
R$304.74 R$396,469.03
R$306.70 R$396,162.33
R$308.67 R$395,853.66
R$310.66 R$395,543.00
R$312.66 R$395,230.34
R$314.67 R$394,915.67
R$316.69 R$394,598.98
R$318.73 R$394,280.25
R$320.78 R$393,959.47
R$322.84 R$393,636.63
R$324.92 R$393,311.70
R$327.01 R$392,984.69
R$329.12 R$392,655.58
R$331.23 R$392,324.34
R$333.37 R$391,990.98
R$335.51 R$391,655.47
R$337.67 R$391,317.80
R$339.84 R$390,977.96
R$342.03 R$390,635.93
R$344.23 R$390,291.70
R$346.44 R$389,945.26
R$348.67 R$389,596.58
R$350.92 R$389,245.67
R$353.17 R$388,892.49
R$355.45 R$388,537.05
R$357.73 R$388,179.32
R$360.03 R$387,819.28
R$362.35 R$387,456.93
R$364.68 R$387,092.25
R$367.03 R$386,725.22
R$369.39 R$386,355.83
R$371.77 R$385,984.06
R$374.16 R$385,609.90
R$376.57 R$385,233.34
R$378.99 R$384,854.35
R$381.43 R$384,472.92
R$383.88 R$384,089.04
R$386.35 R$383,702.69
R$388.84 R$383,313.85
R$391.34 R$382,922.51
R$393.86 R$382,528.65
R$396.39 R$382,132.26
R$398.94 R$381,733.32
R$401.51 R$381,331.81
R$404.09 R$380,927.72
R$406.69 R$380,521.03
R$409.31 R$380,111.72
R$411.94 R$379,699.78
R$414.59 R$379,285.19
R$417.26 R$378,867.93
R$419.94 R$378,447.98
R$422.65 R$378,025.34
R$425.37 R$377,599.97
R$428.10 R$377,171.87
R$430.86 R$376,741.01
R$433.63 R$376,307.38
R$436.42 R$375,870.97
R$439.23 R$375,431.74
R$442.05 R$374,989.69
R$444.90 R$374,544.79
R$447.76 R$374,097.03
R$450.64 R$373,646.39
R$453.54 R$373,192.85
R$456.46 R$372,736.39
R$459.39 R$372,277.00
R$462.35 R$371,814.65
R$465.33 R$371,349.32
R$468.32 R$370,881.00
R$471.33 R$370,409.67
R$474.36 R$369,935.31
R$477.42 R$369,457.89
R$480.49 R$368,977.40
R$483.58 R$368,493.82
R$486.69 R$368,007.13
R$489.82 R$367,517.30
R$492.97 R$367,024.33
R$496.15 R$366,528.18
R$499.34 R$366,028.85
R$502.55 R$365,526.29
R$505.78 R$365,020.51
R$509.04 R$364,511.47
R$512.31 R$363,999.16
R$515.61 R$363,483.55
R$518.93 R$362,964.62
R$522.27 R$362,442.35
R$525.63 R$361,916.72
R$529.01 R$361,387.72
R$532.41 R$360,855.30
R$535.84 R$360,319.47
R$539.29 R$359,780.18
R$542.76 R$359,237.42
R$546.25 R$358,691.18
R$549.76 R$358,141.41
R$553.30 R$357,588.12
R$556.86 R$357,031.26
R$560.44 R$356,470.81
R$564.05 R$355,906.77
R$567.68 R$355,339.09
R$571.33 R$354,767.76
R$575.01 R$354,192.75
R$578.71 R$353,614.05
R$582.43 R$353,031.62
R$586.18 R$352,445.44
R$589.95 R$351,855.50
R$593.74 R$351,261.75
R$597.56 R$350,664.19
R$601.41 R$350,062.78
R$605.28 R$349,457.51
R$609.17 R$348,848.33
R$613.09 R$348,235.24
R$617.04 R$347,618.21
R$621.01 R$346,997.20
R$625.00 R$346,372.20
R$629.02 R$345,743.18
R$633.07 R$345,110.11
R$637.14 R$344,472.96
R$641.24 R$343,831.72
R$645.37 R$343,186.35
R$649.52 R$342,536.83
R$653.70 R$341,883.13
R$657.91 R$341,225.23
R$662.14 R$340,563.09
R$666.40 R$339,896.69
R$670.69 R$339,226.00
R$675.00 R$338,551.00
R$679.34 R$337,871.66
R$683.72 R$337,187.94
R$688.11 R$336,499.83
R$692.54 R$335,807.29
R$697.00 R$335,110.29
R$701.48 R$334,408.81
R$706.00 R$333,702.81
R$710.54 R$332,992.27
R$715.11 R$332,277.16
R$719.71 R$331,557.45
R$724.34 R$330,833.11
R$729.00 R$330,104.11
R$733.69 R$329,370.42
R$738.41 R$328,632.00
R$743.16 R$327,888.84
R$747.95 R$327,140.90
R$752.76 R$326,388.14
R$757.60 R$325,630.54
R$762.48 R$324,868.06
R$767.38 R$324,100.68
R$772.32 R$323,328.36
R$777.29 R$322,551.07
R$782.29 R$321,768.79
R$787.32 R$320,981.46
R$792.39 R$320,189.08
 R$797.49 R$319,391.59
R$802.62 R$318,588.97
R$807.78 R$317,781.19
R$812.98 R$316,968.22
R$818.21 R$316,150.01
R$823.47 R$315,326.53
R$828.77 R$314,497.76
R$834.10 R$313,663.66
R$839.47 R$312,824.19
R$844.87 R$311,979.32
R$850.31 R$311,129.01
R$855.78 R$310,273.23
R$861.28 R$309,411.94
R$866.83 R$308,545.12
R$872.40 R$307,672.72
R$878.02 R$306,794.70
R$883.67 R$305,911.03
R$889.35 R$305,021.68
R$895.07 R$304,126.61
R$900.83 R$303,225.78
R$906.63 R$302,319.15
R$912.46 R$301,406.69
R$918.33 R$300,488.36
R$924.24 R$299,564.11
R$930.19 R$298,633.93
R$936.17 R$297,697.75
R$942.20 R$296,755.56
R$948.26 R$295,807.30
R$954.36 R$294,852.94
R$960.50 R$293,892.44
R$966.68 R$292,925.76
R$972.90 R$291,952.87
R$979.16 R$290,973.71
R$985.46 R$289,988.25
R$991.80 R$288,996.45
R$998.18 R$287,998.27
R$1,004.60 R$286,993.67
R$1,011.07 R$285,982.60
R$1,017.57 R$284,965.03
R$1,024.12 R$283,940.91
R$1,030.71 R$282,910.20
R$1,037.34 R$281,872.87
R$1,044.01 R$280,828.85
R$1,050.73 R$279,778.12
R$1,057.49 R$278,720.63
R$1,064.29 R$277,656.34
R$1,071.14 R$276,585.19
R$1,078.03 R$275,507.16
R$1,084.97 R$274,422.19
R$1,091.95 R$273,330.24
R$1,098.98 R$272,231.26
R$1,106.05 R$271,125.21
R$1,113.16 R$270,012.05
R$1,120.33 R$268,891.72
R$1,127.53 R$267,764.19
R$1,134.79 R$266,629.40
R$1,142.09 R$265,487.31
R$1,149.44 R$264,337.87
R$1,156.83 R$263,181.04
R$1,164.28 R$262,016.76
R$1,171.77 R$260,844.99
R$1,179.31 R$259,665.68
R$1,186.90 R$258,478.79
R$1,194.53 R$257,284.26
R$1,202.22 R$256,082.04
R$1,209.95 R$254,872.09
R$1,217.74 R$253,654.35
R$1,225.57 R$252,428.78
R$1,233.46 R$251,195.32
R$1,241.39 R$249,953.93
R$1,249.38 R$248,704.54
R$1,257.42 R$247,447.13
R$1,265.51 R$246,181.62
R$1,273.65 R$244,907.96
R$1,281.85 R$243,626.12
R$1,290.09 R$242,336.02
R$1,298.39 R$241,037.63
R$1,306.75 R$239,730.88
R$1,315.16 R$238,415.72
R$1,323.62 R$237,092.11
R$1,332.13 R$235,759.97
R$1,340.71 R$234,419.27
R$1,349.33 R$233,069.93
R$1,358.01 R$231,711.92
R$1,366.75 R$230,345.17
R$1,375.54 R$228,969.63
R$1,384.39 R$227,585.23
R$1,393.30 R$226,191.93
R$1,402.27 R$224,789.67
R$1,411.29 R$223,378.38
R$1,420.37 R$221,958.01
R$1,429.51 R$220,528.50
R$1,438.70 R$219,089.80
R$1,447.96 R$217,641.83
R$1,457.28 R$216,184.56
R$1,466.65 R$214,717.90
R$1,476.09 R$213,241.81
R$1,485.59 R$211,756.22
R$1,495.15 R$210,261.08
R$1,504.77 R$208,756.31
R$1,514.45 R$207,241.86
R$1,524.19 R$205,717.67
R$1,534.00 R$204,183.68
R$1,543.87 R$202,639.81
R$1,553.80 R$201,086.01
R$1,563.80 R$199,522.21
R$1,573.86 R$197,948.35
R$1,583.99 R$196,364.36
R$1,594.18 R$194,770.18
R$1,604.43 R$193,165.75
R$1,614.76 R$191,550.99
R$1,625.15 R$189,925.84
R$1,635.60 R$188,290.24
R$1,646.13 R$186,644.11
R$1,656.72 R$184,987.40
R$1,667.38 R$183,320.02
R$1,678.11 R$181,641.91
R$1,688.90 R$179,953.01
R$1,699.77 R$178,253.24
R$1,710.71 R$176,542.54
R$1,721.71 R$174,820.82
R$1,732.79 R$173,088.04
R$1,743.94 R$171,344.10
R$1,755.16 R$169,588.94
R$1,766.45 R$167,822.49
R$1,777.82 R$166,044.67
R$1,789.26 R$164,255.41
R$1,800.77 R$162,454.65
R$1,812.35 R$160,642.29
R$1,824.01 R$158,818.28
R$1,835.75 R$156,982.53
R$1,847.56 R$155,134.97
R$1,859.45 R$153,275.52
R$1,871.41 R$151,404.10
R$1,883.45 R$149,520.65
R$1,895.57 R$147,625.08
R$1,907.77 R$145,717.31
R$1,920.04 R$143,797.27
R$1,932.40 R$141,864.87
R$1,944.83 R$139,920.04
R$1,957.34 R$137,962.70
R$1,969.94 R$135,992.77
R$1,982.61 R$134,010.16
R$1,995.37 R$132,014.79
R$2,008.20 R$130,006.59
R$2,021.13 R$127,985.46
R$2,034.13 R$125,951.33
R$2,047.22 R$123,904.11
R$2,060.39 R$121,843.72
R$2,073.65 R$119,770.08
R$2,086.99 R$117,683.09
R$2,100.42 R$115,582.68
R$2,113.93 R$113,468.75
R$2,127.53 R$111,341.22
R$2,141.22 R$109,200.00
R$2,155.00 R$107,045.00
R$2,168.86 R$104,876.14
R$2,182.82 R$102,693.32
R$2,196.86 R$100,496.46
R$2,210.99 R$98,285.47
R$2,225.22 R$96,060.25
R$2,239.54 R$93,820.71
R$2,253.95 R$91,566.76
R$2,268.45 R$89,298.32
R$2,283.04 R$87,015.27
R$2,297.73 R$84,717.54
R$2,312.52 R$82,405.02
R$2,327.40 R$80,077.63
R$2,342.37 R$77,735.26
R$2,357.44 R$75,377.82
R$2,372.61 R$73,005.21
R$2,387.87 R$70,617.33
R$2,403.24 R$68,214.09
R$2,418.70 R$65,795.39
R$2,434.26 R$63,361.13
R$2,449.92 R$60,911.21
R$2,465.69 R$58,445.52
R$2,481.55 R$55,963.97
R$2,497.52 R$53,466.45
R$2,513.59 R$50,952.86
 R$2,529.76 R$48,423.10
R$2,546.04 R$45,877.07
R$2,562.42 R$43,314.65
R$2,578.90 R$40,735.75
R$2,595.50 R$38,140.25
R$2,612.20 R$35,528.05
R$2,629.00 R$32,899.05
R$2,645.92 R$30,253.13
R$2,662.94 R$27,590.19
R$2,680.08 R$24,910.11
R$2,697.32 R$22,212.79
R$2,714.67 R$19,498.12
R$2,732.14 R$16,765.98
R$2,749.72 R$14,016.26
R$2,767.41 R$11,248.85
R$2,785.22 R$8,463.63
R$2,803.14 R$5,660.50
R$2,821.17 R$2,839.32
R$2,839.32 R$0.00

PAGAMENTOS CONSTANTES (SPC)

1 97 113129145161177193209225241257273289305321337353

Amortização Juros da Parcela

Valor Financiado R$ 26,500.00
Taxa Nominal a.a 1.69% 0.36% 2.050%
Prazo (meses) 60

SAC
Período Parcela a pagar Juros da parcela Amortização
1 R$771.61 R$329.94 R$441.67
2 R$765.34 R$323.68 R$441.67
3 R$759.10 R$317.44 R$441.67
4 R$752.89 R$311.23 R$441.67
5 R$746.71 R$305.04 R$441.67
6 R$740.55 R$298.88 R$441.67
7 R$734.42 R$292.75 R$441.67
8 R$728.32 R$286.65 R$441.67
9 R$722.24 R$280.57 R$441.67
10 R$716.19 R$274.52 R$441.67
11 R$710.17 R$268.50 R$441.67
12 R$704.18 R$262.51 R$441.67
13 R$698.21 R$256.54 R$441.67
14 R$692.27 R$250.61 R$441.67
15 R$686.36 R$244.69 R$441.67
16 R$680.48 R$238.81 R$441.67
17 R$674.63 R$232.96 R$441.67
18 R$668.80 R$227.13 R$441.67
19 R$663.00 R$221.34 R$441.67
20 R$657.23 R$215.57 R$441.67
21 R$651.49 R$209.83 R$441.67
22 R$645.78 R$204.12 R$441.67
23 R$640.10 R$198.43 R$441.67
24 R$634.45 R$192.78 R$441.67
25 R$628.82 R$187.16 R$441.67
26 R$623.23 R$181.56 R$441.67
27 R$617.66 R$175.99 R$441.67
28 R$612.12 R$170.46 R$441.67
29 R$606.61 R$164.95 R$441.67
30 R$601.14 R$159.47 R$441.67
31 R$595.69 R$154.02 R$441.67
32 R$590.27 R$148.60 R$441.67
33 R$584.88 R$143.21 R$441.67
34 R$579.52 R$137.85 R$441.67
35 R$574.19 R$132.52 R$441.67
36 R$568.88 R$127.22 R$441.67
37 R$563.61 R$121.95 R$441.67
38 R$558.37 R$116.71 R$441.67
39 R$553.16 R$111.49 R$441.67
40 R$547.98 R$106.31 R$441.67
41 R$542.83 R$101.16 R$441.67
42 R$537.71 R$96.04 R$441.67
43 R$532.62 R$90.95 R$441.67
44 R$527.56 R$85.89 R$441.67
45 R$522.52 R$80.86 R$441.67
46 R$517.52 R$75.86 R$441.67
47 R$512.55 R$70.89 R$441.67
48 R$507.62 R$65.95 R$441.67
49 R$502.71 R$61.04 R$441.67
50 R$497.83 R$56.16 R$441.67
51 R$492.98 R$51.31 R$441.67
52 R$488.16 R$46.50 R$441.67
53 R$483.37 R$41.71 R$441.67
54 R$478.62 R$36.95 R$441.67
55 R$473.89 R$32.23 R$441.67
56 R$469.20 R$27.53 R$441.67
57 R$464.53 R$22.87 R$441.67
58 R$459.90 R$18.23 R$441.67
59 R$455.29 R$13.63 R$441.67
60 R$450.72 R$9.05 R$441.67
 Flux
R$0.00
1 4 7 10 13 16 19 22
-R$100.00

-R$200.00

-R$300.00

-R$400.00
a. Fluxo de Caixa -R$500.00
b. R$771.61
-R$600.00
c. R$441.67
d. R$6,625.00 -R$700.00

e. R$297.84 -R$800.00
f. R$220.83 -R$900.00

Saldo devedor após o pagamento SISTEMA DE AMORT

R$26,058.33 -R$771.61 R$900.00
R$25,616.67 -R$765.34 R$800.00
R$25,175.00 -R$759.10 R$700.00
R$24,733.33 -R$752.89 R$600.00
R$24,291.67 -R$746.71 R$500.00
R$23,850.00 -R$740.55 R$400.00
R$23,408.33 -R$734.42 R$300.00
R$22,966.67 -R$728.32 R$200.00
R$22,525.00 -R$722.24 R$100.00
R$22,083.33 -R$716.19 R$0.00
R$21,641.67 -R$710.17 1 4 7 10 13 16 19 22
R$21,200.00 -R$704.18 Amortiza
R$20,758.33 -R$698.21
R$20,316.67 -R$692.27
R$19,875.00 -R$686.36
R$19,433.33 -R$680.48
R$18,991.67 -R$674.63
R$18,550.00 -R$668.80
R$18,108.33 -R$663.00
R$17,666.67 -R$657.23
R$17,225.00 -R$651.49
R$16,783.33 -R$645.78
R$16,341.67 -R$640.10
R$15,900.00 -R$634.45
R$15,458.33 -R$628.82
R$15,016.67 -R$623.23
R$14,575.00 -R$617.66
R$14,133.33 -R$612.12
R$13,691.67 -R$606.61
R$13,250.00 -R$601.14
R$12,808.33 -R$595.69
R$12,366.67 -R$590.27
R$11,925.00 -R$584.88
R$11,483.33 -R$579.52
R$11,041.67 -R$574.19
R$10,600.00 -R$568.88
R$10,158.33 -R$563.61
R$9,716.67 -R$558.37
R$9,275.00 -R$553.16
R$8,833.33 -R$547.98
R$8,391.67 -R$542.83
R$7,950.00 -R$537.71
R$7,508.33 -R$532.62
R$7,066.67 -R$527.56
R$6,625.00 -R$522.52
R$6,183.33 -R$517.52
R$5,741.67 -R$512.55
R$5,300.00 -R$507.62
R$4,858.33 -R$502.71
R$4,416.67 -R$497.83
R$3,975.00 -R$492.98
R$3,533.33 -R$488.16
R$3,091.67 -R$483.37
R$2,650.00 -R$478.62
R$2,208.33 -R$473.89
R$1,766.67 -R$469.20
R$1,325.00 -R$464.53
R$883.33 -R$459.90
R$441.67 -R$455.29
R$0.00 -R$450.72
 Fluxo de Caixa
4 7 10 13 16 19 22 25 28 31 34 37 40 43 46 49 52 55 58

STEMA DE AMORTIZAÇÃO CONSTANTE (SAC)

4 7 10 13 16 19 22 25 28 31 34 37 40 43 46 49 52 55 58

Amortização Juros da Parcela

 Fluxo Caixa
Depreciação Motor
Sem depreciação
Período 10% 8% Período Lucro Gastos Total
0 R$ 400,000.00 R$ 400,000.00 0 R$ 0.00 -R$ 400,000.00 -R$ 400,000.00
1 R$ 360,000.00 R$ 368,000.00 1 R$ 0.00 -R$ 20,000.00 -R$ 20,000.00
2 R$ 320,000.00 R$ 336,000.00 2 R$ 0.00 -R$ 20,000.00 -R$ 20,000.00
3 R$ 280,000.00 R$ 304,000.00 3 R$ 0.00 -R$ 20,000.00 -R$ 20,000.00
4 R$ 240,000.00 R$ 272,000.00 4 R$ 0.00 -R$ 20,000.00 -R$ 20,000.00
5 R$ 200,000.00 R$ 240,000.00 5 R$ 0.00 -R$ 20,000.00 -R$ 20,000.00
6 R$ 160,000.00 R$ 208,000.00 6 R$ 0.00 -R$ 20,000.00 -R$ 20,000.00
7 R$ 120,000.00 R$ 176,000.00 7 R$ 0.00 -R$ 20,000.00 -R$ 20,000.00
8 R$ 80,000.00 R$ 144,000.00 8 R$ 0.00 -R$ 20,000.00 -R$ 20,000.00
9 R$ 40,000.00 R$ 112,000.00 9 R$ 0.00 -R$ 20,000.00 -R$ 20,000.00
10 R$ 0.00 R$ 80,000.00 10 R$ 100,000.00 -R$ 20,000.00 R$ 80,000.00

TMA 14% a.a

Com IR 35% e Depreciação

10% 8% A Opção 1 com 10% por apresentar VPL -R$377.250,54, é
VPL -R$377,250.54 -R$384,302.83 preferível a Opção 2 por apresentar VPL -R$384.302,83.
VUL -R$19,508.96 -R$19,873.66
VFL -R$1,398,551.23 -R$1,424,695.66

Fluxo de Caixa sem Depreciação Fluxo

R$ 200,000.00 R$ 200,000.00

R$ 100,000.00 R$ 100,000.00

R$ 0.00 R$ 0.00
0 1 2 3 4 5 6 7 8 9 10 0 1
-R$ 100,000.00 -R$ 100,000.00

-R$ 200,000.00 -R$ 200,000.00

R$ 100,000.00 R$ 100,000.00

R$ 0.00 R$ 0.00
0 1 2 3 4 5 6 7 8 9 10 0 1
-R$ 100,000.00 -R$ 100,000.00

-R$ 200,000.00 -R$ 200,000.00

-R$ 300,000.00 -R$ 300,000.00

-R$ 400,000.00 -R$ 400,000.00

-R$ 500,000.00 -R$ 500,000.00

Lucro Gastos
 Fluxo Caixa
Com Depreciação e IR
Alíquota IR 35% Alíquota IR 35%
Depreciação 10% Depreciação 8%
Lucro Gastos Total Lucro Gastos Total
R$ 0.00 -R$ 400,000.00 -R$ 400,000.00 R$ 0.00 -R$ 400,000.00 -R$ 400,000.00
R$ 14,000.00 -R$ 13,000.00 R$ 1,000.00 R$ 11,200.00 -R$ 13,000.00 -R$ 1,800.00
R$ 14,000.00 -R$ 13,000.00 R$ 1,000.00 R$ 11,200.00 -R$ 13,000.00 -R$ 1,800.00
R$ 14,000.00 -R$ 13,000.00 R$ 1,000.00 R$ 11,200.00 -R$ 13,000.00 -R$ 1,800.00
R$ 14,000.00 -R$ 13,000.00 R$ 1,000.00 R$ 11,200.00 -R$ 13,000.00 -R$ 1,800.00
R$ 14,000.00 -R$ 13,000.00 R$ 1,000.00 R$ 11,200.00 -R$ 13,000.00 -R$ 1,800.00
R$ 14,000.00 -R$ 13,000.00 R$ 1,000.00 R$ 11,200.00 -R$ 13,000.00 -R$ 1,800.00
R$ 14,000.00 -R$ 13,000.00 R$ 1,000.00 R$ 11,200.00 -R$ 13,000.00 -R$ 1,800.00
R$ 14,000.00 -R$ 13,000.00 R$ 1,000.00 R$ 11,200.00 -R$ 13,000.00 -R$ 1,800.00
R$ 14,000.00 -R$ 13,000.00 R$ 1,000.00 R$ 11,200.00 -R$ 13,000.00 -R$ 1,800.00
R$79,000.00 -R$ 13,000.00 R$ 66,000.00 R$ 104,200.00 -R$ 13,000.00 R$ 91,200.00

Fluxo de Caixa com Depreciação 10% Fluxo de Caixa - Com Depreciação

,000.00 R$ 200,000.00

,000.00 R$ 100,000.00

R$ 0.00 R$ 0.00
0 1 2 3 4 5 6 7 8 9 10 0 1 2 3 4 5 6

,000.00 -R$ 100,000.00

,000.00 -R$ 200,000.00

,000.00 R$ 100,000.00

R$ 0.00 R$ 0.00
0 1 2 3 4 5 6 7 8 9 10 0 1 2 3 4 5 6

,000.00 -R$ 100,000.00

,000.00 -R$ 200,000.00

,000.00 -R$ 300,000.00

,000.00 -R$ 400,000.00

,000.00 -R$ 500,000.00

Lucro Gastos Lucro Gastos

- Com Depreciação 8%

4 5 6 7 8 9 10
 4 5 6 7 8 9 10

Lucro Gastos
 Depreciação Carro Flux
Período K L
Fluxo Caixa
0 R$ 10,000.00 R$ 25,000.00 Período
1 R$ 8,000.00 R$ 20,000.00 Lucro
2 R$ 6,000.00 R$ 15,000.00 0 R$ 0.00
3 R$ 4,000.00 R$ 10,000.00 Automóvel K 1 R$ 50,000.00
4 R$ 2,000.00 R$ 5,000.00 2 R$ 58,000.00
5 R$ 0.00 R$ 0.00 3 R$ 80,000.00
4 R$ 80,000.00
Automóvel L
5 R$ 80,000.00
TMA 12% a.a 6 R$ 98,000.00
VPL R$78,542.86
VUL R$19,103.64
VFL R$155,029.68

Fluxo de Caixa
Sim, pois o VPL é de R$78.542,86.
R$ 120,000.00
R$ 100,000.00
R$ 80,000.00
R$ 60,000.00
R$ 40,000.00
R$ 20,000.00
R$ 0.00
0 1 2 3
-R$ 20,000.00
-R$ 40,000.00
-R$ 60,000.00

Lucro Gastos
 Fluxo Caixa
Com Depreciação e IR
Fluxo Caixa
Alíquota IR 35%
Gastos Total Lucro Gastos Total
-R$ 10,000.00 -R$ 10,000.00 R$ 0.00 -R$ 10,000.00 -R$ 10,000.00
-R$ 25,000.00 R$ 25,000.00 R$ 33,200.00 -R$ 16,250.00 R$ 16,950.00
-R$ 50,000.00 R$ 8,000.00 R$ 40,500.00 -R$ 41,250.00 -R$ 750.00
-R$ 40,000.00 R$ 40,000.00 R$ 53,750.00 -R$ 26,000.00 R$ 27,750.00
-R$ 40,000.00 R$ 40,000.00 R$ 53,750.00 -R$ 26,000.00 R$ 27,750.00
-R$ 40,000.00 R$ 40,000.00 R$ 53,750.00 -R$ 26,000.00 R$ 27,750.00
-R$ 40,000.00 R$ 58,000.00 R$ 67,200.00 -R$ 26,000.00 R$ 41,200.00

Fluxo de Caixa Fluxo de Caixa com Depreciação e IR

R$ 80,000.00

R$ 60,000.00

R$ 40,000.00

R$ 20,000.00

R$ 0.00
0 1 2 3 4 5 6
2 3 4 5 6 -R$ 20,000.00

-R$ 40,000.00

-R$ 60,000.00

Lucro Gastos Lucro Gastos

R

5 6
 Depreciação Depósito
Período 4%
S
0 R$ 40,000,000.00
Período
1 R$ 38,400,000.00 Compra
2 R$ 36,800,000.00 Lucro
3 R$ 35,200,000.00 0 R$ 0.00
4 R$ 33,600,000.00 1 R$ 0.00
5 R$ 32,000,000.00 2 R$ 0.00
6 R$ 30,400,000.00 3 R$ 0.00
7 R$ 28,800,000.00 4 R$ 0.00
8 R$ 27,200,000.00 5 R$ 0.00
9 R$ 25,600,000.00 6 R$ 0.00
10 R$ 24,000,000.00 7 R$ 0.00
11 R$ 22,400,000.00 8 R$ 0.00
12 R$ 20,800,000.00 9 R$ 0.00
13 R$ 19,200,000.00 10 R$ 0.00
14 R$ 17,600,000.00 11 R$ 0.00
15 R$ 16,000,000.00 12 R$ 0.00
16 R$ 14,400,000.00 13 R$ 0.00
17 R$ 12,800,000.00 14 R$ 0.00
18 R$ 11,200,000.00 15 R$ 0.00
19 R$ 9,600,000.00 16 R$ 0.00
20 R$ 8,000,000.00 17 R$ 0.00
21 R$ 6,400,000.00 18 R$ 0.00
22 R$ 4,800,000.00 19 R$ 0.00
23 R$ 3,200,000.00 20 R$ 0.00
24 R$ 1,600,000.00 21 R$ 0.00
25 R$ 0.00 22 R$ 0.00
23 R$ 0.00
TMA 20% 24 R$ 0.00
25 R$ 31,250,000.00

Fluxo de Caixa
R$ 40,000,000.00

R$ 30,000,000.00
 VPL VUL VFL Fluxo de Caixa
Compra -R$ 41,840,320.88 -R$8,456,712.48 -R$ 3,991,408,315.30
R$ 40,000,000.00
Locação -R$ 13,667,709.14 -R$2,762,500.00 -R$ 1,303,847,742.40
R$ 30,000,000.00

R$ 20,000,000.00
A locação com VPL -R$13.667.709,14 é preferível
R$ 10,000,000.00
a compra com VPL -R$41.840.320,88.
R$ 0.00
0 1 2 3 4 5
-R$ 10,000,000.00

-R$ 20,000,000.00

-R$ 30,000,000.00

-R$ 40,000,000.00

-R$ 50,000,000.00

Fluxo de
R$ 0.00
0 1 2 3 4 5 6
-R$ 500,000.00

-R$ 1,000,000.00

-R$ 1,500,000.00

-R$ 2,000,000.00

-R$ 2,500,000.00

-R$ 3,000,000.00

-R$ 3,500,000.00

-R$ 4,000,000.00

-R$ 4,500,000.00
 Fluxo Caixa

Sem Depreciação e IR
Alíquota IR
Compra Locação Compra
Gastos Total Lucro Gastos Total Lucro
-R$ 40,000,000.00 -R$ 40,000,000.00 R$ 0.00 R$ 0.00 R$ 0.00 R$ 0.00
-R$ 1,500,000.00 -R$ 1,500,000.00 R$ 0.00 -R$ 4,250,000.00 -R$ 4,250,000.00 R$ 560,000.00
-R$ 1,500,000.00 -R$ 1,500,000.00 R$ 0.00 -R$ 4,250,000.00 -R$ 4,250,000.00 R$ 560,000.00
-R$ 1,500,000.00 -R$ 1,500,000.00 R$ 0.00 -R$ 4,250,000.00 -R$ 4,250,000.00 R$ 560,000.00
-R$ 1,500,000.00 -R$ 1,500,000.00 R$ 0.00 -R$ 4,250,000.00 -R$ 4,250,000.00 R$ 560,000.00
-R$ 1,500,000.00 -R$ 1,500,000.00 R$ 0.00 -R$ 4,250,000.00 -R$ 4,250,000.00 R$ 560,000.00
-R$ 1,500,000.00 -R$ 1,500,000.00 R$ 0.00 -R$ 4,250,000.00 -R$ 4,250,000.00 R$ 560,000.00
-R$ 1,500,000.00 -R$ 1,500,000.00 R$ 0.00 -R$ 4,250,000.00 -R$ 4,250,000.00 R$ 560,000.00
-R$ 1,500,000.00 -R$ 1,500,000.00 R$ 0.00 -R$ 4,250,000.00 -R$ 4,250,000.00 R$ 560,000.00
-R$ 1,500,000.00 -R$ 1,500,000.00 R$ 0.00 -R$ 4,250,000.00 -R$ 4,250,000.00 R$ 560,000.00
-R$ 1,500,000.00 -R$ 1,500,000.00 R$ 0.00 -R$ 4,250,000.00 -R$ 4,250,000.00 R$ 560,000.00
-R$ 1,500,000.00 -R$ 1,500,000.00 R$ 0.00 -R$ 4,250,000.00 -R$ 4,250,000.00 R$ 560,000.00
-R$ 1,500,000.00 -R$ 1,500,000.00 R$ 0.00 -R$ 4,250,000.00 -R$ 4,250,000.00 R$ 560,000.00
-R$ 1,500,000.00 -R$ 1,500,000.00 R$ 0.00 -R$ 4,250,000.00 -R$ 4,250,000.00 R$ 560,000.00
-R$ 1,500,000.00 -R$ 1,500,000.00 R$ 0.00 -R$ 4,250,000.00 -R$ 4,250,000.00 R$ 560,000.00
-R$ 1,500,000.00 -R$ 1,500,000.00 R$ 0.00 -R$ 4,250,000.00 -R$ 4,250,000.00 R$ 560,000.00
-R$ 1,500,000.00 -R$ 1,500,000.00 R$ 0.00 -R$ 4,250,000.00 -R$ 4,250,000.00 R$ 560,000.00
-R$ 1,500,000.00 -R$ 1,500,000.00 R$ 0.00 -R$ 4,250,000.00 -R$ 4,250,000.00 R$ 560,000.00
-R$ 1,500,000.00 -R$ 1,500,000.00 R$ 0.00 -R$ 4,250,000.00 -R$ 4,250,000.00 R$ 560,000.00
-R$ 1,500,000.00 -R$ 1,500,000.00 R$ 0.00 -R$ 4,250,000.00 -R$ 4,250,000.00 R$ 560,000.00
-R$ 1,500,000.00 -R$ 1,500,000.00 R$ 0.00 -R$ 4,250,000.00 -R$ 4,250,000.00 R$ 560,000.00
-R$ 1,500,000.00 -R$ 1,500,000.00 R$ 0.00 -R$ 4,250,000.00 -R$ 4,250,000.00 R$ 560,000.00
-R$ 1,500,000.00 -R$ 1,500,000.00 R$ 0.00 -R$ 4,250,000.00 -R$ 4,250,000.00 R$ 560,000.00
-R$ 1,500,000.00 -R$ 1,500,000.00 R$ 0.00 -R$ 4,250,000.00 -R$ 4,250,000.00 R$ 560,000.00
-R$ 1,500,000.00 -R$ 1,500,000.00 R$ 0.00 -R$ 4,250,000.00 -R$ 4,250,000.00 R$ 560,000.00
-R$ 1,500,000.00 R$ 29,750,000.00 R$ 0.00 -R$ 4,250,000.00 -R$ 4,250,000.00 R$ 20,872,500.00

Fluxo de Caixa Depósito Próprio Sem Depreciação e IR Fluxo de Caixa

$ 40,000,000.00 R$ 30,000,000.00

$ 30,000,000.00 R$ 20,000,000.00
 Fluxo de Caixa Depósito Próprio Sem Depreciação e IR Fluxo de Caixa
$ 40,000,000.00 R$ 30,000,000.00

$ 30,000,000.00 R$ 20,000,000.00
$ 20,000,000.00
R$ 10,000,000.00
$ 10,000,000.00
R$ 0.00
0 1 2 3 4 5
R$ 0.00
0 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 -R$ 10,000,000.00
$ 10,000,000.00
-R$ 20,000,000.00
$ 20,000,000.00
-R$ 30,000,000.00
$ 30,000,000.00

$ 40,000,000.00 -R$ 40,000,000.00

$ 50,000,000.00 -R$ 50,000,000.00

Lucro Gastos

Fluxo de Caixa Depósito Alugado Sem IR

R$ 0.00
0 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
-R$ 500,000.00

R$ 1,000,000.00

R$ 1,500,000.00
Gastos
R$ 2,000,000.00

R$ 2,500,000.00

R$ 3,000,000.00

R$ 3,500,000.00

R$ 4,000,000.00

R$ 4,500,000.00
 Com Depreciação e IR
Alíquota IR 35%
Compra Locação
Gastos Total Lucro Gastos Total
-R$ 40,000,000.00 -R$ 40,000,000.00 R$ 0.00 R$ 0.00 R$ 0.00
-R$ 975,000.00 -R$ 415,000.00 R$ 0.00 -R$ 2,762,500.00 -R$ 2,762,500.00
-R$ 975,000.00 -R$ 415,000.00 R$ 0.00 -R$ 2,762,500.00 -R$ 2,762,500.00
-R$ 975,000.00 -R$ 415,000.00 R$ 0.00 -R$ 2,762,500.00 -R$ 2,762,500.00
-R$ 975,000.00 -R$ 415,000.00 R$ 0.00 -R$ 2,762,500.00 -R$ 2,762,500.00
-R$ 975,000.00 -R$ 415,000.00 R$ 0.00 -R$ 2,762,500.00 -R$ 2,762,500.00
-R$ 975,000.00 -R$ 415,000.00 R$ 0.00 -R$ 2,762,500.00 -R$ 2,762,500.00
-R$ 975,000.00 -R$ 415,000.00 R$ 0.00 -R$ 2,762,500.00 -R$ 2,762,500.00
-R$ 975,000.00 -R$ 415,000.00 R$ 0.00 -R$ 2,762,500.00 -R$ 2,762,500.00
-R$ 975,000.00 -R$ 415,000.00 R$ 0.00 -R$ 2,762,500.00 -R$ 2,762,500.00
-R$ 975,000.00 -R$ 415,000.00 R$ 0.00 -R$ 2,762,500.00 -R$ 2,762,500.00
-R$ 975,000.00 -R$ 415,000.00 R$ 0.00 -R$ 2,762,500.00 -R$ 2,762,500.00
-R$ 975,000.00 -R$ 415,000.00 R$ 0.00 -R$ 2,762,500.00 -R$ 2,762,500.00
-R$ 975,000.00 -R$ 415,000.00 R$ 0.00 -R$ 2,762,500.00 -R$ 2,762,500.00
-R$ 975,000.00 -R$ 415,000.00 R$ 0.00 -R$ 2,762,500.00 -R$ 2,762,500.00
-R$ 975,000.00 -R$ 415,000.00 R$ 0.00 -R$ 2,762,500.00 -R$ 2,762,500.00
-R$ 975,000.00 -R$ 415,000.00 R$ 0.00 -R$ 2,762,500.00 -R$ 2,762,500.00
-R$ 975,000.00 -R$ 415,000.00 R$ 0.00 -R$ 2,762,500.00 -R$ 2,762,500.00
-R$ 975,000.00 -R$ 415,000.00 R$ 0.00 -R$ 2,762,500.00 -R$ 2,762,500.00
-R$ 975,000.00 -R$ 415,000.00 R$ 0.00 -R$ 2,762,500.00 -R$ 2,762,500.00
-R$ 975,000.00 -R$ 415,000.00 R$ 0.00 -R$ 2,762,500.00 -R$ 2,762,500.00
-R$ 975,000.00 -R$ 415,000.00 R$ 0.00 -R$ 2,762,500.00 -R$ 2,762,500.00
-R$ 975,000.00 -R$ 415,000.00 R$ 0.00 -R$ 2,762,500.00 -R$ 2,762,500.00
-R$ 975,000.00 -R$ 415,000.00 R$ 0.00 -R$ 2,762,500.00 -R$ 2,762,500.00
-R$ 975,000.00 -R$ 415,000.00 R$ 0.00 -R$ 2,762,500.00 -R$ 2,762,500.00
-R$ 975,000.00 R$ 19,897,500.00 R$ 0.00 -R$ 2,762,500.00 -R$ 2,762,500.00

Fluxo de Caixa Depósito C/ Depreciação 4% e IR

R$ 30,000,000.00

R$ 20,000,000.00
 Fluxo de Caixa Depósito C/ Depreciação 4% e IR
R$ 30,000,000.00

R$ 20,000,000.00

R$ 10,000,000.00

R$ 0.00
0 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
R$ 10,000,000.00

R$ 20,000,000.00

R$ 30,000,000.00

R$ 40,000,000.00

R$ 50,000,000.00

Column L Column M
 Fluxo de Caixa Depóstio C/ IR

R$ 0.00
0 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

-R$ 500,000.00

-R$ 1,000,000.00
Gastos

-R$ 1,500,000.00

-R$ 2,000,000.00

-R$ 2,500,000.00

-R$ 3,000,000.00
Gastos
 Depreciação
Período Equipamento X Equipamento Y Alternativa X
Período
0 R$ 200,000.00 R$ 300,000.00 Lucro
1 R$ 186,666.67 R$ 280,000.00 0 R$ 0.00
2 R$ 173,333.33 R$ 260,000.00 1 R$ 60,000.00
3 R$ 160,000.00 R$ 240,000.00 2 R$ 60,000.00
4 R$ 146,666.67 R$ 220,000.00 3 R$ 60,000.00
5 R$ 133,333.33 R$ 200,000.00 4 R$ 60,000.00
6 R$ 120,000.00 R$ 180,000.00 5 R$ 60,000.00
7 R$ 106,666.67 R$ 160,000.00 6 R$ 60,000.00
8 R$ 93,333.33 R$ 140,000.00 7 R$ 60,000.00
9 R$ 80,000.00 R$ 120,000.00 8 R$ 60,000.00
10 R$ 66,666.67 R$ 100,000.00 9 R$ 60,000.00
11 R$ 53,333.33 R$ 80,000.00 10 R$ 60,000.00
12 R$ 40,000.00 R$ 60,000.00 11 R$ 60,000.00
13 R$ 26,666.67 R$ 40,000.00 12 R$ 60,000.00
14 R$ 13,333.33 R$ 20,000.00 13 R$ 60,000.00
15 R$ 0.00 R$ 0.00 14 R$ 60,000.00
15 R$ 60,000.00

TMA 14%
Fluxo d
VPL VUL VFL R$ 100,000.00
Alternativa X R$ 168,530.08 R$ 27,438.21 R$ 1,202,957.25
R$ 50,000.00
Alternativa Y R$ 191,373.44 R$ 31,157.31 R$ 1,366,011.74
R$ 0.00
0 1 2 3 4
Ponto de equivalência -R$ 50,000.00
VFLu = VFLn
-R$ 100,000.00
9.19
-R$ 150,000.00

-R$ 200,000.00

-R$ 250,000.00
-R$ 100,000.00

-R$ 150,000.00

-R$ 200,000.00

-R$ 250,000.00
 Fluxo Caixa Período
Alternativa X Alternativa Y 0
Gastos Total Lucro Gastos Total 1
-R$ 200,000.00 -R$ 200,000.00 R$ 0.00 -R$ 300,000.00 -R$ 300,000.00 2
R$ 0.00 R$ 60,000.00 R$ 80,000.00 R$ 0.00 R$ 80,000.00 3
R$ 0.00 R$ 60,000.00 R$ 80,000.00 R$ 0.00 R$ 80,000.00 4
R$ 0.00 R$ 60,000.00 R$ 80,000.00 R$ 0.00 R$ 80,000.00 5
R$ 0.00 R$ 60,000.00 R$ 80,000.00 R$ 0.00 R$ 80,000.00 6
R$ 0.00 R$ 60,000.00 R$ 80,000.00 R$ 0.00 R$ 80,000.00 7
R$ 0.00 R$ 60,000.00 R$ 80,000.00 R$ 0.00 R$ 80,000.00 8
R$ 0.00 R$ 60,000.00 R$ 80,000.00 R$ 0.00 R$ 80,000.00 9
R$ 0.00 R$ 60,000.00 R$ 80,000.00 R$ 0.00 R$ 80,000.00 10
R$ 0.00 R$ 60,000.00 R$ 80,000.00 R$ 0.00 R$ 80,000.00 11
R$ 0.00 R$ 60,000.00 R$ 80,000.00 R$ 0.00 R$ 80,000.00 12
R$ 0.00 R$ 60,000.00 R$ 80,000.00 R$ 0.00 R$ 80,000.00 13
R$ 0.00 R$ 60,000.00 R$ 80,000.00 R$ 0.00 R$ 80,000.00 14
R$ 0.00 R$ 60,000.00 R$ 80,000.00 R$ 0.00 R$ 80,000.00 15
R$ 0.00 R$ 60,000.00 R$ 80,000.00 R$ 0.00 R$ 80,000.00
R$ 0.00 R$ 60,000.00 R$ 80,000.00 R$ 0.00 R$ 80,000.00

Fluxo de Caixa Alternativa X Fluxo de Caixa Alternati

100,000.00 R$ 150,000.00
R$ 100,000.00
50,000.00
R$ 50,000.00
R$ 0.00 R$ 0.00
0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 0 1 2 3 4 5 6 7 8
50,000.00 -R$ 50,000.00
-R$ 100,000.00
100,000.00
-R$ 150,000.00
150,000.00 -R$ 200,000.00
-R$ 250,000.00
200,000.00
-R$ 300,000.00
250,000.00 -R$ 350,000.00

Lucro Gastos Lucro Gastos

100,000.00
-R$ 150,000.00
150,000.00 -R$ 200,000.00
-R$ 250,000.00
200,000.00
-R$ 300,000.00
250,000.00 -R$ 350,000.00

Lucro Gastos Lucro Gastos

 VFLx VFLy
-R$ 200,000.00 -R$ 300,000.00
-R$ 168,000.00 -R$ 262,000.00
-R$ 131,520.00 -R$ 218,680.00
-R$ 89,932.80 -R$ 169,295.20
-R$ 42,523.39 -R$ 112,996.53
R$ 11,523.33 -R$ 48,816.04
R$ 73,136.60 R$ 24,349.71
R$ 143,375.72 R$ 107,758.67
R$ 223,448.33 R$ 202,844.89
R$ 314,731.09 R$ 311,243.17
R$ 418,793.44 R$ 434,817.21
R$ 537,424.53 R$ 575,691.62
R$ 672,663.96 R$ 736,288.45
R$ 826,836.91 R$ 919,368.83
R$ 1,002,594.08 R$ 1,128,080.47
R$ 1,202,957.25 R$ 1,366,011.74

Fluxo de Caixa Alternativa Y VFL X Períodos

R$ 1,600,000.00

R$ 1,400,000.00

R$ 1,200,000.00
2 3 4 5 6 7 8 9 10 11 12 13 14 15
R$ 1,000,000.00

R$ 800,000.00

R$ 600,000.00

R$ 400,000.00

R$ 200,000.00

R$ 0.00
Lucro Gastos 0 1 2 3 4 5 6 7 8 9 10 11
-R$ 200,000.00
 R$ 800,000.00

R$ 600,000.00

R$ 400,000.00

R$ 200,000.00

R$ 0.00
Lucro Gastos 0 1 2 3 4 5 6 7 8 9 10 11
-R$ 200,000.00

-R$ 400,000.00

VFL X VFL Y
dos

Y
ti va
a
rn
te
Al X
ti va
a
rn
te
Al

7 8 9 10 11 12 13 14 15
 r na
A lt e

7 8 9 10 11 12 13 14 15

VFL Y
 Fluxo Caixa
Equipamento Usado Equipamento Novo
Período
Lucro Gastos Total Lucro Gastos
0 R$ - -R$ 20,000.00 -R$ 20,000.00 R$ - -R$ 42,000.00
1 R$ - -R$ 12,000.00 -R$ 12,000.00 R$ - -R$ 10,000.00
2 R$ - -R$ 12,000.00 -R$ 12,000.00 R$ - -R$ 10,000.00
3 R$ - -R$ 12,000.00 -R$ 12,000.00 R$ - -R$ 10,000.00
4 R$ - -R$ 12,000.00 -R$ 12,000.00 R$ - -R$ 10,000.00
5 R$ 1,100.00 -R$ 32,000.00 -R$ 30,900.00 R$ - -R$ 10,000.00
6 R$ - -R$ 12,000.00 -R$ 12,000.00 R$ - -R$ 10,000.00
7 R$ - -R$ 12,000.00 -R$ 12,000.00 R$ - -R$ 10,000.00
8 R$ - -R$ 12,000.00 -R$ 12,000.00 R$ - -R$ 10,000.00
9 R$ - -R$ 12,000.00 -R$ 12,000.00 R$ - -R$ 10,000.00
10 R$ 1,100.00 -R$ 12,000.00 -R$ 10,900.00 R$ 2,200.00 -R$ 10,000.00

TMA 14%
Fluxo de Caixa Eq
VPL VUL VFL R$ 5,000.00
Equipamento Usado -R$ 92,112.74 -R$ 17,659.26 -R$ 341,482.30
R$ -
Equipamento Novo -R$ 93,567.72 -R$ 17,938.20 -R$ 346,876.25 0 1 2 3
-R$ 5,000.00

Ponto de equivalência -R$ 10,000.00

VFLU = VFLN -R$ 15,000.00

-3.38 -R$ 20,000.00

-R$ 25,000.00

-R$ 30,000.00
Como não há ponto de equivalência durante o horizonte de
planejamento -R$ 35,000.00
analisado (ou seja, do equipamento com o tempo de vida útil mais
longo – 10 anos), o equipamento usado com Lucro
VFL -R$341.482,30 é preferível ao equipamento Novo com VFL -
R$346.876,25.
 Período VFLu VFLn
ento Novo 0 -R$ 20,000.00 -R$ 42,000.00 Equipamento Usado
Período
Total 1 -R$ 34,800.00 -R$ 57,880.00 Lucro
-R$ 42,000.00 2 -R$ 51,672.00 -R$ 75,983.20 0 R$ -
-R$ 10,000.00 3 -R$ 70,906.08 -R$ 96,620.85 1 R$ -
-R$ 10,000.00 4 -R$ 92,832.93 -R$ 120,147.77 2 R$ -
-R$ 10,000.00 5 -R$ 136,729.54 -R$ 146,968.45 3 R$ -
-R$ 10,000.00 6 -R$ 167,871.68 -R$ 177,544.04 4 R$ -
-R$ 10,000.00 7 -R$ 203,373.71 -R$ 212,400.20 5 R$ 1,100.00
-R$ 10,000.00 8 -R$ 243,846.03 -R$ 252,136.23 6 R$ -
-R$ 10,000.00 9 -R$ 289,984.48 -R$ 297,435.30 7 R$ -
-R$ 10,000.00 10 -R$ 341,482.30 -R$ 346,876.25 8 R$ -
-R$ 10,000.00 9 R$ -
-R$ 7,800.00 10 R$ 1,100.00

Fluxo de Caixa Equipamento Usado Fluxo de Caixa Equipament

R$ 5,000.00
R$ -
1 2 3 4 5 6 7 8 9 10 0 1 2 3 4 5
-R$ 5,000.00
-R$ 10,000.00
-R$ 15,000.00
-R$ 20,000.00
-R$ 25,000.00
-R$ 30,000.00
-R$ 35,000.00
-R$ 40,000.00
-R$ 45,000.00

Lucro Gastos Lucro Gastos

 Fluxo Caixa -R$ 13,824.99
Equipamento Usado Equipamento Novo
Gastos Total Lucro Gastos Total
-R$ 20,000.00 -R$ 20,000.00 R$ - -R$ 42,000.00 -R$ 42,000.00
-R$ 12,000.00 -R$ 13,824.99 R$ - -R$ 10,000.00 -R$ 9,886.23
-R$ 12,000.00 -R$ 13,824.99 R$ - -R$ 10,000.00 -R$ 9,886.23
-R$ 12,000.00 -R$ 13,824.99 R$ - -R$ 10,000.00 -R$ 9,886.23
-R$ 12,000.00 -R$ 13,824.99 R$ - -R$ 10,000.00 -R$ 9,886.23
-R$ 32,000.00 -R$ 13,824.99 R$ - -R$ 10,000.00 -R$ 9,886.23
-R$ 12,000.00 -R$ 13,824.99 R$ - -R$ 10,000.00 -R$ 9,886.23
-R$ 12,000.00 -R$ 13,824.99 R$ - -R$ 10,000.00 -R$ 9,886.23
-R$ 12,000.00 -R$ 13,824.99 R$ - -R$ 10,000.00 -R$ 9,886.23
-R$ 12,000.00 -R$ 13,824.99 R$ - -R$ 10,000.00 -R$ 9,886.23
-R$ 12,000.00 -R$ 13,824.99 R$ 2,200.00 -R$ 10,000.00 -R$ 9,886.23

o de Caixa Equipamento Novo VFL X Períodos

R$ 0.00
0 1 2 3 4 5 6 7
3 4 5 6 7 8 9 10 -R$ 50,000.00
Equ
-R$ 100,000.00 Equ ipa
ip am e m
-R$ 150,000.00 nto e
Nov
-R$ 200,000.00 o
-R$ 250,000.00

-R$ 300,000.00

-R$ 350,000.00

-R$ 400,000.00

Lucro Gastos VFL U VFL N

 -R$ 9,886.23

VFL X Períodos
3 4 5 6 7 8 9 10

Equ
ipam ipa
m ent
ento o
Nov Usa
o do

VFL U VFL N
 Depreciação Carro
Período Médio Grande
Fluxo Sem Deprec
0 R$ 80,000.00 R$ 90,000.00 Período
1 R$ 64,000.00 R$ 72,000.00 Lucro
2 R$ 48,000.00 R$ 54,000.00 0 R$ 0.00
3 R$ 32,000.00 R$ 36,000.00 1 R$ 0.00
4 R$ 16,000.00 R$ 18,000.00 Automóvel 2 R$ 0.00
5 R$ 0.00 R$ 0.00 Médio 3 R$ 0.00
4 R$ 0.00
5 R$ 50,000.00

Período VFLS VFLC Fluxo de Caixa S/ Tr

0 -R$ 80,000.00 -R$ 80,000.00
R$ 60,000.00
1 -R$ 98,200.00 -R$ 98,200.00
2 -R$ 118,584.00 -R$ 159,384.00 R$ 40,000.00

3 -R$ 141,414.08 -R$ 183,310.08 R$ 20,000.00

4 -R$ 166,983.77 -R$ 210,107.29 R$ 0.00
5 -R$ 165,621.82 -R$ 195,720.16 0 1 2
-R$ 20,000.00

-R$ 40,000.00
TMA 12%
-R$ 60,000.00
VPL VUL VFL -R$ 80,000.00
Sem Troca -R$ 93,978.27 -R$ 26,070.49 -R$ 165,621.82 -R$ 100,000.00
Com Troca -R$ 111,056.88 -R$ 30,808.26 -R$ 195,720.16
Lucro G

Sob o ponto de vista econômico, permanecer com o carro VFL X Perí

médio, com VFL -R$165.621,82 é preferível ao
automóvel grande, com VFL -R$195.720,16. R$ 0.00
0 1 2

-R$ 50,000.00

-R$ 100,000.00
S

-R$ 150,000.00
C
-R$ 200,000.00

-R$ 250,000.00
-R$ 100,000.00
S

-R$ 150,000.00
C
-R$ 200,000.00

-R$ 250,000.00

VFL S
 Fluxo Caixa Sem Troca
Com Depreciação e IR
Fluxo Sem Depreciação e IR
Alíquota IR 40% Período
Gastos Total Lucro Gastos Total
-R$ 80,000.00 -R$ 80,000.00 R$ 0.00 -R$ 80,000.00 -R$ 80,000.00 0
Automóvel
-R$ 25,000.00 -R$ 25,000.00 R$ 6,400.00 -R$ 15,000.00 -R$ 8,600.00 1
Médio
-R$ 25,000.00 -R$ 25,000.00 R$ 6,400.00 -R$ 15,000.00 -R$ 8,600.00 2
-R$ 25,000.00 -R$ 25,000.00 R$ 6,400.00 -R$ 15,000.00 -R$ 8,600.00 3
Automóvel
-R$ 25,000.00 -R$ 25,000.00 R$ 6,400.00 -R$ 15,000.00 -R$ 8,600.00 4
Grande
-R$ 25,000.00 R$ 25,000.00 R$ 36,400.00 -R$ 15,000.00 R$ 21,400.00 5

xo de Caixa S/ Troca (S/ D e IR) Fluxo de Caixa S/ Troca (C/ D e IR)

R$ 60,000.00

R$ 40,000.00

R$ 20,000.00

R$ 0.00
1 2 3 4 5 0 1 2 3 4
-R$ 20,000.00

-R$ 40,000.00

-R$ 60,000.00

-R$ 80,000.00

-R$ 100,000.00

Lucro Gastos Lucro Gastos

VFL X Períodos
1 2 3 4 5

Sem
Troc
a

Co m
Troc
a
 Sem
Troc
a

Co m
Troc
a

VFL S VFL C
 Fluxo Caixa Com Troca
Com Depreciação e IR
Fluxo Caixa Sem Depreciação e IR
Alíquota IR 40%
Lucro Gastos Total Lucro Gastos Total
R$ 0.00 -R$ 80,000.00 -R$ 80,000.00 R$ 0.00 -R$ 80,000.00 -R$ 80,000.00
R$ 0.00 -R$ 25,000.00 -R$ 25,000.00 R$ 6,400.00 -R$ 15,000.00 -R$ 8,600.00
R$ 50,000.00 -R$ 115,000.00 -R$ 65,000.00 R$ 55,600.00 -R$ 105,000.00 -R$ 49,400.00
R$ 0.00 -R$ 20,000.00 -R$ 20,000.00 R$ 7,200.00 -R$ 12,000.00 -R$ 4,800.00
R$ 0.00 -R$ 20,000.00 -R$ 20,000.00 R$ 7,200.00 -R$ 12,000.00 -R$ 4,800.00
R$ 85,000.00 -R$ 20,000.00 R$ 65,000.00 R$ 51,600.00 -R$ 12,000.00 R$ 39,600.00

D e IR) Fluxo de Caixa C/ Troca (S/ D e IR)

R$ 100,000.00 R$ 80,000.00
R$ 60,000.00
R$ 50,000.00 R$ 40,000.00
R$ 20,000.00
3 4 5 R$ 0.00 R$ 0.00
0 1 2 3 4 5
-R$ 20,000.00
-R$ 50,000.00 -R$ 40,000.00
-R$ 60,000.00
-R$ 100,000.00 -R$ 80,000.00
-R$ 100,000.00
-R$ 150,000.00 -R$ 120,000.00

Lucro Gastos
 Fluxo de Caixa C/ Troca (C/ D e IR)
R$ 80,000.00
R$ 60,000.00
R$ 40,000.00
R$ 20,000.00
R$ 0.00
0 1 2 3 4 5
-R$ 20,000.00
-R$ 40,000.00
-R$ 60,000.00
-R$ 80,000.00
-R$ 100,000.00
-R$ 120,000.00

Lucro Gastos
 Depreciação
Período Atual K L
0 R$ 600,000.00 R$ 800,000.00 R$ 1,200,000.00 Período
1 R$ 514,285.71 R$ 640,000.00 R$ 1,028,571.43
2 R$ 428,571.43 R$ 480,000.00 R$ 857,142.86 0
3 R$ 342,857.14 R$ 320,000.00 R$ 685,714.29 1
4 R$ 257,142.86 R$ 160,000.00 R$ 514,285.71 2
Equipamento K
5 R$ 171,428.57 R$ 0.00 R$ 342,857.14 3
6 R$ 85,714.29 R$ 171,428.57 4
7 R$ 0.00 R$ 0.00 5

VPL VUL VFL

Equipamento K -R$ 362,295.61 -R$ 100,504.33 -R$ 638,488.65
Equipamento L -R$ 526,445.91 -R$ 146,041.22 -R$ 927,777.57 Fluxo de Caixa Equipa
R$ 600,000.00
TMA 12%
R$ 400,000.00

R$ 200,000.00

R$ 0.00
0 1 2
-R$ 200,000.00
 Fluxo de Caixa Equipa
R$ 600,000.00

R$ 400,000.00

R$ 200,000.00
O Equipamento K com VUL -
R$100.504,33 é preferível ao Equipamento L com R$ 0.00
0 1 2
VUL -$R146.041,22. -R$ 200,000.00

-R$ 400,000.00

-R$ 600,000.00

-R$ 800,000.00

-R$ 1,000,000.00

Lucro
 Fluxo Caixa
Com Depreciação e IR
Fluxo Sem Depreciação e IR
Alíquota IR 40%
Lucro Gastos Total Lucro Gastos Total
R$ 0.00 -R$ 800,000.00 -R$ 800,000.00 R$ 231,428.57 -R$ 800,000.00 -R$ 568,571.43
R$ 0.00 -R$ 90,000.00 -R$ 90,000.00 R$ 64,000.00 -R$ 54,000.00 R$ 10,000.00
R$ 0.00 -R$ 90,000.00 -R$ 90,000.00 R$ 64,000.00 -R$ 54,000.00 R$ 10,000.00
R$ 0.00 -R$ 90,000.00 -R$ 90,000.00 R$ 64,000.00 -R$ 54,000.00 R$ 10,000.00
R$ 0.00 -R$ 90,000.00 -R$ 90,000.00 R$ 64,000.00 -R$ 54,000.00 R$ 10,000.00
R$ 500,000.00 -R$ 90,000.00 R$ 410,000.00 R$ 364,000.00 -R$ 54,000.00 R$ 310,000.00

de Caixa Equipamento K (S/ D e IR Fluxo de Caixa Equipamento K (C/ D e IR

R$ 600,000.00

R$ 400,000.00

R$ 200,000.00

R$ 0.00
1 2 3 4 5 0 1 2 3 4 5
-R$ 200,000.00
de Caixa Equipamento K (S/ D e IR Fluxo de Caixa Equipamento K (C/ D e IR
R$ 600,000.00

R$ 400,000.00

R$ 200,000.00

R$ 0.00
1 2 3 4 5 0 1 2 3 4 5
-R$ 200,000.00

-R$ 400,000.00

-R$ 600,000.00

-R$ 800,000.00

-R$ 1,000,000.00

Lucro Gastos Lucro Gastos

 Fluxo Caixa
Com Depreciação e
Fluxo Caixa Sem Depreciação e IR
Período Alíquota IR
Lucro Gastos Total Lucro Gastos
0 R$ 0.00 -R$ 1,200,000.00 -R$ 1,200,000.00 R$ 291,428.57 -R$ 1,200,000.00
1 R$ 0.00 -R$ 60,000.00 -R$ 60,000.00 R$ 45,714.29 -R$ 36,000.00
2 R$ 0.00 -R$ 60,000.00 -R$ 60,000.00 R$ 45,714.29 -R$ 36,000.00
3 R$ 0.00 -R$ 60,000.00 -R$ 60,000.00 R$ 45,714.29 -R$ 36,000.00
Equipamento L
4 R$ 0.00 -R$ 60,000.00 -R$ 60,000.00 R$ 45,714.29 -R$ 36,000.00
5 R$ 0.00 -R$ 60,000.00 -R$ 60,000.00 R$ 45,714.29 -R$ 36,000.00
6 R$ 0.00 -R$ 60,000.00 -R$ 60,000.00 R$ 45,714.29 -R$ 36,000.00
7 R$ 400,000.00 -R$ 60,000.00 R$ 340,000.00 R$ 473,142.86 -R$ 36,000.00

nto K (C/ D e IR Fluxo de Caixa Equipamento L (S/ D e IR)

R$ 600,000.00 R$ 600,000.00
R$ 400,000.00 R$ 400,000.00
R$ 200,000.00 R$ 200,000.00
R$ 0.00 R$ 0.00
0 1 2 3 4 5 6 7
3 4 5 -R$ 200,000.00 -R$ 200,000.00
-R$ 400,000.00 -R$ 400,000.00
-R$ 600,000.00 -R$ 600,000.00
nto K (C/ D e IR Fluxo de Caixa Equipamento L (S/ D e IR)
R$ 600,000.00 R$ 600,000.00
R$ 400,000.00 R$ 400,000.00
R$ 200,000.00 R$ 200,000.00
R$ 0.00 R$ 0.00
0 1 2 3 4 5 6 7
3 4 5 -R$ 200,000.00 -R$ 200,000.00
-R$ 400,000.00 -R$ 400,000.00
-R$ 600,000.00 -R$ 600,000.00
-R$ 800,000.00 -R$ 800,000.00
-R$ 1,000,000.00 -R$ 1,000,000.00
-R$ 1,200,000.00 -R$ 1,200,000.00
-R$ 1,400,000.00 -R$ 1,400,000.00

s Lucro Gastos
Com Depreciação e IR
40% C/ VR corrigido (5 anos)
Total Total
-R$ 908,571.43 -R$ 908,571.43
R$ 9,714.29 R$ 9,714.29
R$ 9,714.29 R$ 9,714.29
R$ 9,714.29 R$ 9,714.29
R$ 9,714.29 R$ 9,714.29
R$ 9,714.29 R$ 621,436.64
R$ 9,714.29
R$ 437,142.86

Fluxo de Caixa Equipamento L (C/ D e IR) Fluxo de Caixa Equipament

R$ 600,000.00
corrigido
R$ 400,000.00 R$ 800,000.00
R$ 200,000.00 R$ 600,000.00
R$ 0.00 R$ 400,000.00
0 1 2 3 4 5 6 7
-R$ 200,000.00
R$ 200,000.00
-R$ 400,000.00
R$ 0.00
-R$ 600,000.00
 Fluxo de Caixa Equipamento L (C/ D e IR) Fluxo de Caixa Equipament
R$ 600,000.00
corrigido
R$ 400,000.00 R$ 800,000.00
R$ 200,000.00 R$ 600,000.00
R$ 0.00 R$ 400,000.00
0 1 2 3 4 5 6 7
-R$ 200,000.00
R$ 200,000.00
-R$ 400,000.00
R$ 0.00
-R$ 600,000.00 0 1 2
-R$ 800,000.00 -R$ 200,000.00

-R$ 1,000,000.00 -R$ 400,000.00

-R$ 1,200,000.00 -R$ 600,000.00
-R$ 1,400,000.00 -R$ 800,000.00

Lucro Gastos -R$ 1,000,000.00

xa Equipamento L (C/ D e IR e VR
corrigido

Total
xa Equipamento L (C/ D e IR e VR
corrigido

Total

1 2 3 4 5