Simulador Site Modelo

PLANILHA DE CONVERSO DE CLCULO PARA REVISES DE
Sistema para retirar a capitalizao de juros em contratos de f
PLANILHA DESATIVADA
ENTRADA DE DADOS
Valor Financiado:
Valor da Prestao:
Prazo:
Total de Pagas:
Data do 1 Vencimento :
R$ 150,000.00
R$ 4,500.00
72
25
9/25/2010
Saldo Devedor Atual do Contrato:

Taxa Mensal Contrato:
Taxa Anual Capitalizada:
Taxa Mensal do Reclculo:
Total pago at o momento :
Total devido de prestaes:
Total da dvida contrato inteiro:
-R$ 4,500.00
-200.000%
0.00%
-200.000%
R$ 112,500.00
R$ 211,500.00
R$ 324,000.00
Saldo Devedor (Sistema Legal):

R$ 0.00
Total devido (Sistema Legal) :
R$ 0.00
Total da divida (Sistema Legal):
R$ 0.00
Prestao descapitalizada:
R$ 0.00
Saldo Devedor Atualizado :
Diferena paga a maior (Saldo Credor) :
Prazo restante do Contrato:
Column C
9,000.00
8,000.00
7,000.00
6,000.00
5,000.00
Juros
30/11/10
4,000.00
3,000.00
-R$ 112,500.00
R$ 112,500.00
47
ContratoQuitado
Prestao Recalculada :
Licena Vlida at:
10,000.00
DESATIVADA
2,000.00
1,000.00
1
LO PARA REVISES DE CONTRATO
juros em contratos de financiamento
SATIVADA
DADOS PARA AO
Tipo da Ao:
Taxa Mensal do Reclculo:
Nome do Financiado:
Banco:
Valor pago Tarifas (TAC,TEC,IOF,etc...)
Indbito atual :
Indbito em dobro :
Proveito Econmico com a Reviso:
10,000.00
Column C
Revisional
-200.000%
Chiquita Bacana
Ita S/A
R$ 0.00
R$ 112,500.00
R$ 225,000.00
R$ 211,500.00
Column I
9,000.00
8,000.00
7,000.00
6,000.00
5,000.00
Juros
4,000.00
3,000.00
2,000.00
1,000.00
1
8 10 12 14 16 18 20 22 24 26 28 30 32 34 36
9 11 13 15 17 19 21 23 25 27 29 31 33 35
Prazo
211,500.00
211,500.00
PLANILHA DEMONSTRATIVA / CONVERSO DE CLCULO
Titular do Contrato:
Banco:
Chiquita Bacana
Ita S/A
SISTEMA CONTRATADO
SISTEMA RECALCULADO
Mtodo Exponencial /Juros Compostos
Mtodo Linear /Juros Simples
Valor Financiado:
Prazo:
Prestao:
Taxa de Juros Mensal:
N Vencimento
Prestao
R$ 150,000.00
72
R$ 4,500.00
-200.00%
Valor Financiado:
Prazo:
Prestao:
Juros
Amortizao
Saldo
Devedor
Contratada
R$ 150,000.00
72
R$ 4,500.00
-200.00%
Prestao
Recalculada
Juros
Amortizao
-4,500.00
0.00
0.00
0.00
0.00
0.00
Saldo
Devedor
0.00
9/25/2010
4,500.00
0.00
4,500.00
10/25/2010
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
11/25/2010
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
12/25/2010
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
1/25/2011
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
2/25/2011
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
3/25/2011
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
4/25/2011
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
5/25/2011
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
10
6/25/2011
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
11
7/25/2011
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
12
8/25/2011
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
SOMATRIO DAS PRESTAES PAGAS - SISTEMA CONTRATADO

SOMATRIO DAS PRESTAES PAGAS - SISTEMA RECALCULADO
SALDO CREDOR ATUAL (DIFERENA PAGA A MAIOR)
SALDO DEVEDOR RECLCULADO ATUAL
SALDO DEVEDOR ATUALIZADO (Deduzindo Saldo Credor)
VALOR PAGO REFERENTE A TARIFAS
PRAZO RESTANTE DO FINANCIAMENTO
Totl do Indbito
R$ 112,500.00
R$ R$ 112,500.00
R$ -R$ 112,500.00
R$ 47
R$ 112,500.00
Consideraes:
A presente planilha demonstra a converso de clculo do sistema contratado (Sistema de Amortizao Price) para
o (Mtodo - Gauss) , os valores apontados como saldo credor ( pagos indevidamente referente a capitalizao de juros)
esto sendo usados na amortizao do saldo devedor atual, resultando em uma nova prestao recalculada.
Banco:
Chiquita Bacana
Ita S/A
SISTEMA CONTRATADO
SISTEMA RECALCULADO
Valor Financiado:
Prazo:
Prestao:
N Vencimento
Prestao
R$ 150,000.00
72
R$ 4,500.00
-200.00%
Valor Financiado:
Prazo:
Prestao:
Juros
Amortizao
Saldo
Devedor
Contratada
R$ 150,000.00
72
R$ 4,500.00
-200.00%
Prestao
Recalculada
Juros
Amortizao
0.00
9/25/2010
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
10/25/2010
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
11/25/2010
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
12/25/2010
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
1/25/2011
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
2/25/2011
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
3/25/2011
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
4/25/2011
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
5/25/2011
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
10
6/25/2011
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
11
7/25/2011
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
12
8/25/2011
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
13
9/25/2011
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
14
10/25/2011
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
15
11/25/2011
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
16
12/25/2011
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
17
1/25/2012
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
18
2/25/2012
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
19
3/25/2012
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
20
4/25/2012
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
21
5/25/2012
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
22
6/25/2012
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
23
7/25/2012
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
24
8/25/2012
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00

Totl do Indbito
R$ 112,500.00
R$ R$ 112,500.00
R$ -R$ 112,500.00
R$ 47
R$ 112,500.00
Consideraes:
LADO
Simples
0.00
Saldo
Devedor
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
o Price) para
ao de juros)
da.
Banco:
Chiquita Bacana
Ita S/A
SISTEMA CONTRATADO
SISTEMA RECALCULADO
Valor Financiado:
Prazo:
Prestao:
N Vencimento
Prestao
R$ 150,000.00
72
R$ 4,500.00
-200.00%
Valor Financiado:
Prazo:
Prestao:
Juros
Amortizao
Saldo
Devedor
Contratada
R$ 150,000.00
72
R$ 4,500.00
-200.00%
Prestao
Recalculada
Juros
Amortizao
0.00
Saldo Devedor
0.00
9/25/2010
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
10/25/2010
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
11/25/2010
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
12/25/2010
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
1/25/2011
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
2/25/2011
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
3/25/2011
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
4/25/2011
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
5/25/2011
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
10
6/25/2011
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
11
7/25/2011
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
12
8/25/2011
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
13
9/25/2011
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
14
10/25/2011
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
15
11/25/2011
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
16
12/25/2011
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
17
1/25/2012
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
18
2/25/2012
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
19
3/25/2012
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
20
4/25/2012
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
21
5/25/2012
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
22
6/25/2012
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
23
7/25/2012
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
24
8/25/2012
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
25
9/25/2012
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
26
10/25/2012
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
27
11/25/2012
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
28
12/25/2012
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
29
1/25/2013
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
30
2/25/2013
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
31
3/25/2013
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
32
4/25/2013
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
33
5/25/2013
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
34
6/25/2013
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
35
7/25/2013
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
36
8/25/2013
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00

Totl do Indbito
R$ 112,500.00
R$ R$ 112,500.00
R$ -R$ 112,500.00
R$ 47
R$ 112,500.00
Consideraes:
Banco:
Chiquita Bacana
Ita S/A
SISTEMA CONTRATADO
SISTEMA RECALCULADO
Valor Financiado:
Prazo:
Prestao:
N
Vencimento
R$ 150,000.00
72
R$ 4,500.00
-200.00%
Prestao
Valor Financiado:
Prazo:
Prestao:
Juros
Amortizao
Saldo
Devedor
Contratada
R$ 150,000.00
72
R$ 4,500.00
-200.00%
Prestao
Recalculada
Juros
Amortizao
0.00
Saldo
Devedor
0.00
9/25/2010
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
10/25/2010
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
11/25/2010
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
12/25/2010
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
1/25/2011
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
2/25/2011
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
3/25/2011
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
4/25/2011
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
5/25/2011
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
10
6/25/2011
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
11
7/25/2011
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
12
8/25/2011
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
13
9/25/2011
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
14
10/25/2011
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
15
11/25/2011
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
16
12/25/2011
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
17
1/25/2012
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
18
2/25/2012
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
19
3/25/2012
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
20
4/25/2012
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
21
5/25/2012
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
22
6/25/2012
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
23
7/25/2012
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
24
8/25/2012
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
25
9/25/2012
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
26
10/25/2012
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
27
11/25/2012
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
28
12/25/2012
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
29
1/25/2013
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
30
2/25/2013
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
31
3/25/2013
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
32
4/25/2013
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
33
5/25/2013
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
34
6/25/2013
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
35
7/25/2013
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
36
8/25/2013
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
37
9/25/2013
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
38
10/25/2013
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
39
11/25/2013
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
40
12/25/2013
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
41
1/25/2014
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
42
2/25/2014
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
43
3/25/2014
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
44
4/25/2014
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
45
5/25/2014
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
46
6/25/2014
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
47
7/25/2014
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
48
8/25/2014
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00

Totl do Indbito
R$ 112,500.00
R$ R$ 112,500.00
R$ -R$ 112,500.00
R$ 47
R$ 112,500.00
Consideraes:
Banco:
Chiquita Bacana
Ita S/A
SISTEMA CONTRATADO
SISTEMA RECALCULADO
Valor Financiado:
Prazo:
Prestao:
N
Vencimento
R$ 150,000.00
72
R$ 4,500.00
-200.00%
Prestao
Valor Financiado:
Prazo:
Prestao:
Juros
Amortizao
Saldo
Devedor
Contratada
R$ 150,000.00
72
R$ 4,500.00
-200.00%
Prestao
Recalculada
Juros
Amortizao
0.00
Saldo
Devedor
0.00
9/25/2010
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
10/25/2010
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
11/25/2010
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
12/25/2010
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
1/25/2011
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
2/25/2011
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
3/25/2011
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
4/25/2011
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
5/25/2011
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
10
6/25/2011
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
11
7/25/2011
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
12
8/25/2011
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
13
9/25/2011
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
14
10/25/2011
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
15
11/25/2011
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
16
12/25/2011
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
17
1/25/2012
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
18
2/25/2012
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
19
3/25/2012
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
20
4/25/2012
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
21
5/25/2012
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
22
6/25/2012
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
23
7/25/2012
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
24
8/25/2012
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
25
9/25/2012
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
26
10/25/2012
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
27
11/25/2012
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
28
12/25/2012
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
29
1/25/2013
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
30
2/25/2013
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
31
3/25/2013
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
32
4/25/2013
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
33
5/25/2013
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
34
6/25/2013
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
35
7/25/2013
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
36
8/25/2013
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
37
9/25/2013
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
38
10/25/2013
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
39
11/25/2013
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
40
12/25/2013
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
41
1/25/2014
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
42
2/25/2014
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
43
3/25/2014
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
44
4/25/2014
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
45
5/25/2014
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
46
6/25/2014
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
47
7/25/2014
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
48
8/25/2014
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
49
9/25/2014
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
50
10/25/2014
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
51
11/25/2014
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
52
12/25/2014
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
53
1/25/2015
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
54
2/25/2015
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
55
3/25/2015
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
56
4/25/2015
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
57
5/25/2015
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
58
6/25/2015
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
59
7/25/2015
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
60
8/25/2015
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00

Totl do Indbito
R$ 112,500.00
R$ R$ 112,500.00
R$ -R$ 112,500.00
R$ 47
R$ 112,500.00
Consideraes:
Banco:
Chiquita Bacana
Ita S/A
SISTEMA CONTRATADO
SISTEMA RECALCULADO
Valor Financiado:
Prazo:
Prestao:
N Vencimento
Prestao
R$ 150,000.00
72
R$ 4,500.00
-200.00%
Valor Financiado:
Prazo:
Prestao:
Juros
Amortizao
Saldo
Devedor
Contratada
R$ 150,000.00
72
R$ 4,500.00
-200.00%
Prestao
Recalculada
Juros
Amortizao
0.00
Saldo
Devedor
0.00
9/25/2010
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
10/25/2010
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
11/25/2010
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
12/25/2010
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
1/25/2011
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
2/25/2011
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
3/25/2011
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
4/25/2011
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
5/25/2011
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
10
6/25/2011
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
11
7/25/2011
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
12
8/25/2011
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
13
9/25/2011
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
14
10/25/2011
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
15
11/25/2011
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
16
12/25/2011
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
17
1/25/2012
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
18
2/25/2012
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
19
3/25/2012
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
20
4/25/2012
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
21
5/25/2012
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
22
6/25/2012
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
23
7/25/2012
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
24
8/25/2012
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
25
9/25/2012
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
26
10/25/2012
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
27
11/25/2012
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
28
12/25/2012
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
29
1/25/2013
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
30
2/25/2013
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
31
3/25/2013
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
32
4/25/2013
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
33
5/25/2013
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
34
6/25/2013
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
35
7/25/2013
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
36
8/25/2013
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
37
9/25/2013
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
38
10/25/2013
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
39
11/25/2013
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
40
12/25/2013
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
41
1/25/2014
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
42
2/25/2014
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
43
3/25/2014
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
44
4/25/2014
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
45
5/25/2014
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
46
6/25/2014
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
47
7/25/2014
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
48
8/25/2014
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
49
9/25/2014
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
50
10/25/2014
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
51
11/25/2014
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
52
12/25/2014
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
53
1/25/2015
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
54
2/25/2015
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
55
3/25/2015
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
56
4/25/2015
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
57
5/25/2015
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
58
6/25/2015
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
59
7/25/2015
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
60
8/25/2015
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
61
9/25/2015
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
62
10/25/2015
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
63
11/25/2015
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
64
12/25/2015
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
65
1/25/2016
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
66
2/25/2016
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
67
3/25/2016
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
68
4/25/2016
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
69
5/25/2016
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
70
6/25/2016
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00
71
7/25/2016
4,500.00
0.00
4,500.00
-4,500.00
0.00
0.00
0.00
0.00
72
8/25/2016
4,500.00
9,000.00
-4,500.00
0.00
0.00
0.00
0.00
0.00

Totl do Indbito
R$ 112,500.00
R$ R$ 112,500.00
R$ -R$ 112,500.00
R$ 47
R$ 112,500.00
Consideraes:
PRICE
Valor Financiado:
Valor da Prestao:
Prazo:
Total de Pagas:
R$ 0.00
R$ 4,500.00
72
25
-200.000%
0.00%
-4,500.00

Taxa Anual Contrato:
Saldo Devedor Atual:
Dia
25
Ms
9
Ano
2010
Hoje
Data
LICENA
5/8/2012
1/21/2009
0.000
0.0000%
Prestao
Juros
Amortizao
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
9,000.00
9,000.00
9,000.00
9,000.00
9,000.00
9,000.00
9,000.00
9,000.00
9,000.00
9,000.00
9,000.00
9,000.00
9,000.00
9,000.00
9,000.00
9,000.00
4,500.00
(4,500.00)
4,500.00
(4,500.00)
4,500.00
(4,500.00)
4,500.00
(4,500.00)
4,500.00
(4,500.00)
4,500.00
(4,500.00)
4,500.00
(4,500.00)
4,500.00
(4,500.00)
4,500.00
(4,500.00)
4,500.00
(4,500.00)
4,500.00
(4,500.00)
4,500.00
(4,500.00)
4,500.00
(4,500.00)
4,500.00
(4,500.00)
4,500.00
(4,500.00)
4,500.00
(4,500.00)
Saldo Devedor
0.00
(4,500.00)
(4,500.00)
(4,500.00)
(4,500.00)
(4,500.00)
(4,500.00)
(4,500.00)
(4,500.00)
(4,500.00)
(4,500.00)
(4,500.00)
(4,500.00)
(4,500.00)
(4,500.00)
(4,500.00)
(4,500.00)
-
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
9,000.00
9,000.00
9,000.00
9,000.00
9,000.00
9,000.00
9,000.00
9,000.00
9,000.00
9,000.00
9,000.00
9,000.00
9,000.00
9,000.00
9,000.00
9,000.00
9,000.00
9,000.00
9,000.00
9,000.00
9,000.00
9,000.00
9,000.00
9,000.00
9,000.00
9,000.00
-
4,500.00
(4,500.00)
4,500.00
(4,500.00)
4,500.00
(4,500.00)
4,500.00
(4,500.00)
4,500.00
(4,500.00)
4,500.00
(4,500.00)
4,500.00
(4,500.00)
4,500.00
(4,500.00)
4,500.00
(4,500.00)
4,500.00
(4,500.00)
4,500.00
(4,500.00)
4,500.00
(4,500.00)
4,500.00
(4,500.00)
4,500.00
(4,500.00)
4,500.00
(4,500.00)
4,500.00
(4,500.00)
4,500.00
(4,500.00)
4,500.00
(4,500.00)
4,500.00
(4,500.00)
4,500.00
(4,500.00)
4,500.00
(4,500.00)
4,500.00
(4,500.00)
4,500.00
(4,500.00)
4,500.00
(4,500.00)
4,500.00
(4,500.00)
4,500.00
(4,500.00)
4,500.00
(4,500.00)
(4,500.00)
(4,500.00)
(4,500.00)
(4,500.00)
(4,500.00)
(4,500.00)
(4,500.00)
(4,500.00)
(4,500.00)
(4,500.00)
(4,500.00)
(4,500.00)
(4,500.00)
(4,500.00)
(4,500.00)
(4,500.00)
(4,500.00)
(4,500.00)
(4,500.00)
(4,500.00)
(4,500.00)
(4,500.00)
(4,500.00)
(4,500.00)
(4,500.00)
(4,500.00)
86
87
88
89
4500.00
4500.00
4500.00
4500.00
9,000.00
9,000.00
-
(4,500.00)
4,500.00
(4,500.00)
4,500.00
(4,500.00)
(4,500.00)
GAUSS
Valor Financiado:
Valor da Prestao:
Prazo:
Total de Pagas:
Taxa Anual Contrato:
Parcela juros Simples:
Indice de Ponderao:
Saldo Devedor Atual:
Diferena paga a maior:
Diferena paga a maior dobro:
Prazo Restante:
Saldo Devedor Atualizado Simples:
Saldo Devedor Atualizado Dobro:
Parcela Recalculada:
Parcela Recalculada Dobro:
R$ 0.00
R$ 4,500.00
72
25
-200.000%
0.00%
R$ 0.00
0.00000
0.00
112,500.00
225,000.00
47
-112,500.00
-225,000.00
-4,946.81
-9,893.62
Prestao
Juros
Amortizao
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Saldo Devedor
0.00
-
72
71
70
69
68
67
66
65
64
63
62
61
60
59
58
57
56
55
54
53
52
51
50
49
48
47
46
45
44
43
42
41
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
40
39
38
37
36
35
34
33
32
31
30
29
28
27
26
25
24
23
22
21
20
19
18
17
16
15
14
13
12
11
10
9
8
7
6
5
4
3
2
1
0
-1
-2
-3
-4
-5
-6
-7
-8
-9
-10
-11
-12
86
87
88
89
0.00
0.00
0.00
0.00
-13
-14
-15
-16
CIMA
BAIXO
ENCARGO
-143
-71
R$ 0.00
CIMA
BAIXO
INDICE
Recalculo
0.00
5256
0
cima
R$ 0.00
-5040
2628
-94
-92
-4946.81
Recalculo
-93 10462500
-46
-45
20925000
-9893.62
-2115

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Sistema para retirar a capitalizao de juros em contratos de f

Saldo Devedor Atual do Contrato:

Saldo Devedor (Sistema Legal):

Prazo restante do Contrato:

LO PARA REVISES DE CONTRATO

juros em contratos de financiamento

PLANILHA DEMONSTRATIVA / CONVERSO DE CLCULO

Mtodo Exponencial /Juros Compostos

Mtodo Linear /Juros Simples

SOMATRIO DAS PRESTAES PAGAS - SISTEMA CONTRATADO

PLANILHA DEMONSTRATIVA / CONVERSO DE CLCULO

Mtodo Exponencial /Juros Compostos

Mtodo Linear /Juros Simples

SOMATRIO DAS PRESTAES PAGAS - SISTEMA CONTRATADO

PLANILHA DEMONSTRATIVA / CONVERSO DE CLCULO

Mtodo Exponencial /Juros Compostos

Mtodo Linear /Juros Simples

SOMATRIO DAS PRESTAES PAGAS - SISTEMA CONTRATADO

PLANILHA DEMONSTRATIVA / CONVERSO DE CLCULO

Mtodo Exponencial /Juros Compostos

Mtodo Linear /Juros Simples

SOMATRIO DAS PRESTAES PAGAS - SISTEMA CONTRATADO

PLANILHA DEMONSTRATIVA / CONVERSO DE CLCULO

Mtodo Exponencial /Juros Compostos

Mtodo Linear /Juros Simples

SOMATRIO DAS PRESTAES PAGAS - SISTEMA CONTRATADO

PLANILHA DEMONSTRATIVA / CONVERSO DE CLCULO

Mtodo Exponencial /Juros Compostos

Mtodo Linear /Juros Simples

SOMATRIO DAS PRESTAES PAGAS - SISTEMA CONTRATADO

Taxa Mensal Contrato:

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