Analise Revisional Contrato Messias Toritama

PLANILHA DE CONVERSO DE CLCULO PARA REVISES DE CON
Sistema para retirar a capitalizao de juros em contratos de financiamen
PLANILHA ATIVA
ENTRADA DE DADOS
Valor Financiado:
Valor da Prestao:
Prazo:
Total de Pagas:
Data do 1 Vencimento :
R$ 43,552.49
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$ 43,146.27
1.690%
24.17%
1.690%
R$ 1,199.00
R$ 70,741.00
R$ 71,940.00
R$ 1,199.00
60
1
12/15/2011
Saldo Devedor (Sistema Legal):

R$ 43,068.11
Total devido (Sistema Legal) :
R$ 57,557.51
Total da divida (Sistema Legal):
R$ 58,533.06
Prestao descapitalizada:
R$ 975.55
R$
Saldo Devedor Atualizado :
R$
Diferena paga a maior (Saldo Credor) :
Prazo restante do Contrato:
Prestao Recalculada
42,844.66
223.45
59
R$ 973.26
Licena Vlida at:
30/11/10
ATIVA
CLCULO PARA REVISES DE CONTRATO
ao de juros em contratos de financiamento
ANILHA ATIVA
DADOS PARA AO
Tipo da Ao:
Revisional
Taxa Mensal do Reclculo:
1.690%
Nome do Financiado:
Banco:
Valor pago Tarifas (TAC,TEC,IOF,etc...)
Indbito atual :
Indbito em dobro :
Proveito Econmico com a Reviso:
Juros
Juros Contratados
Anonimo
Ita S/A
R$ 990.00
R$ 0.00
R$ 13,183.49
Juros Legais
951.59
634.39
317.20
11
16
21
26
31
36 Prazo
13,183.49
13,183.49
PLANILHA DEMONSTRATIVA / CONVERSO DE CLCULO
Titular do Contrato:
Banco:
Anonimo
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
R$ 43,552.49
60
R$ 1,199.00
1.69%
Valor Financiado:
Prazo:
Prestao:
Prestao
Contratada
Juros
Amortizao
Saldo
Devedor
R$ 43,552.49
60
R$ 1,199.00
1.69%
Prestao
Recalculada
Juros
Amortizao
43,552.49
Saldo
Devedor
43,552.49
12/15/2011
1,199.00
792.78
406.22
43,146.27
975.55
491.17
484.38
43,068.11
1/15/2012
1,199.00
785.39
413.61
42,732.66
975.55
482.98
492.57
42,575.53
2/15/2012
1,199.00
777.86
421.14
42,311.52
975.55
474.79
500.76
42,074.78
3/15/2012
1,199.00
770.19
428.81
41,882.71
975.55
466.61
508.94
41,565.83
4/15/2012
1,199.00
762.39
436.61
41,446.10
975.55
458.42
517.13
41,048.70
5/15/2012
1,199.00
754.44
444.56
41,001.54
975.55
450.24
525.32
40,523.39
6/15/2012
1,199.00
746.35
452.65
40,548.88
975.55
442.05
533.50
39,989.89
7/15/2012
1,199.00
738.11
460.89
40,087.99
975.55
433.86
541.69
39,448.20
8/15/2012
1,199.00
729.72
469.28
39,618.71
975.55
425.68
549.87
38,898.33
10
9/15/2012
1,199.00
721.18
477.82
39,140.89
975.55
417.49
558.06
38,340.27
11
10/15/2012
1,199.00
712.48
486.52
38,654.36
975.55
409.31
566.25
37,774.02
12
11/15/2012
1,199.00
703.62
495.38
38,158.99
975.55
401.12
574.43
37,199.59
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
Prestao Recalculada (Usando saldo credor a favor do financiado)
R$
R$
R$
R$
R$
R$
1,199.00
975.55
223.45
43,068.11
42,844.66
990.00
59
R$ 973.26
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:
Anonimo
Ita S/A
SISTEMA CONTRATADO
SISTEMA RECALCULADO
Valor Financiado:
Prazo:
Prestao:
N Vencimento
R$ 43,552.49
60
R$ 1,199.00
1.69%
Valor Financiado:
Prazo:
Prestao:
Prestao
Contratada
Juros
Amortizao
Saldo
Devedor
R$ 43,552.49
60
R$ 1,199.00
1.69%
Prestao
Recalculada
Juros
Amortizao
43,552.49
Saldo
Devedor
43,552.49
12/15/2011
1,199.00
792.78
406.22
43,146.27
975.55
491.17
484.38
43,068.11
1/15/2012
1,199.00
785.39
413.61
42,732.66
975.55
482.98
492.57
42,575.53
2/15/2012
1,199.00
777.86
421.14
42,311.52
975.55
474.79
500.76
42,074.78
3/15/2012
1,199.00
770.19
428.81
41,882.71
975.55
466.61
508.94
41,565.83
4/15/2012
1,199.00
762.39
436.61
41,446.10
975.55
458.42
517.13
41,048.70
5/15/2012
1,199.00
754.44
444.56
41,001.54
975.55
450.24
525.32
40,523.39
6/15/2012
1,199.00
746.35
452.65
40,548.88
975.55
442.05
533.50
39,989.89
7/15/2012
1,199.00
738.11
460.89
40,087.99
975.55
433.86
541.69
39,448.20
8/15/2012
1,199.00
729.72
469.28
39,618.71
975.55
425.68
549.87
38,898.33
10
9/15/2012
1,199.00
721.18
477.82
39,140.89
975.55
417.49
558.06
38,340.27
11
10/15/2012
1,199.00
712.48
486.52
38,654.36
975.55
409.31
566.25
37,774.02
12
11/15/2012
1,199.00
703.62
495.38
38,158.99
975.55
401.12
574.43
37,199.59
13
12/15/2012
1,199.00
694.60
504.40
37,654.59
975.55
392.93
582.62
36,616.97
14
1/15/2013
1,199.00
685.42
513.58
37,141.01
975.55
384.75
590.80
36,026.17
15
2/15/2013
1,199.00
676.07
522.93
36,618.09
975.55
376.56
598.99
35,427.18
16
3/15/2013
1,199.00
666.56
532.44
36,085.64
975.55
368.37
607.18
34,820.00
17
4/15/2013
1,199.00
656.86
542.14
35,543.51
975.55
360.19
615.36
34,204.64
18
5/15/2013
1,199.00
647.00
552.00
34,991.50
975.55
352.00
623.55
33,581.09
19
6/15/2013
1,199.00
636.95
562.05
34,429.45
975.55
343.82
631.73
32,949.36
20
7/15/2013
1,199.00
626.72
572.28
33,857.17
975.55
335.63
639.92
32,309.43
21
8/15/2013
1,199.00
616.30
582.70
33,274.46
975.55
327.44
648.11
31,661.33
22
9/15/2013
1,199.00
605.69
593.31
32,681.16
975.55
319.26
656.29
31,005.03
23
10/15/2013
1,199.00
594.89
604.11
32,077.05
975.55
311.07
664.48
30,340.56
24
11/15/2013
1,199.00
583.90
615.10
31,461.94
975.55
302.89
672.67
29,667.89

R$
R$
R$
R$
R$
R$
1,199.00
975.55
223.45
43,068.11
42,844.66
990.00
59
R$ 973.26
Consideraes:
Banco:
Anonimo
Ita S/A
SISTEMA CONTRATADO
SISTEMA RECALCULADO
Valor Financiado:
Prazo:
Prestao:
N Vencimento
R$ 43,552.49
60
R$ 1,199.00
1.69%
Valor Financiado:
Prazo:
Prestao:
Prestao
Contratada
Juros
Amortizao
Saldo
Devedor
R$ 43,552.49
60
R$ 1,199.00
1.69%
Prestao
Recalculada
Juros
Amortizao
43,552.49
Saldo
Devedor
43,552.49
12/15/2011
1,199.00
792.78
406.22
43,146.27
975.55
491.17
484.38
43,068.11
1/15/2012
1,199.00
785.39
413.61
42,732.66
975.55
482.98
492.57
42,575.53
2/15/2012
1,199.00
777.86
421.14
42,311.52
975.55
474.79
500.76
42,074.78
3/15/2012
1,199.00
770.19
428.81
41,882.71
975.55
466.61
508.94
41,565.83
4/15/2012
1,199.00
762.39
436.61
41,446.10
975.55
458.42
517.13
41,048.70
5/15/2012
1,199.00
754.44
444.56
41,001.54
975.55
450.24
525.32
40,523.39
6/15/2012
1,199.00
746.35
452.65
40,548.88
975.55
442.05
533.50
39,989.89
7/15/2012
1,199.00
738.11
460.89
40,087.99
975.55
433.86
541.69
39,448.20
8/15/2012
1,199.00
729.72
469.28
39,618.71
975.55
425.68
549.87
38,898.33
10
9/15/2012
1,199.00
721.18
477.82
39,140.89
975.55
417.49
558.06
38,340.27
11
10/15/2012
1,199.00
712.48
486.52
38,654.36
975.55
409.31
566.25
37,774.02
12
11/15/2012
1,199.00
703.62
495.38
38,158.99
975.55
401.12
574.43
37,199.59
13
12/15/2012
1,199.00
694.60
504.40
37,654.59
975.55
392.93
582.62
36,616.97
14
1/15/2013
1,199.00
685.42
513.58
37,141.01
975.55
384.75
590.80
36,026.17
15
2/15/2013
1,199.00
676.07
522.93
36,618.09
975.55
376.56
598.99
35,427.18
16
3/15/2013
1,199.00
666.56
532.44
36,085.64
975.55
368.37
607.18
34,820.00
17
4/15/2013
1,199.00
656.86
542.14
35,543.51
975.55
360.19
615.36
34,204.64
18
5/15/2013
1,199.00
647.00
552.00
34,991.50
975.55
352.00
623.55
33,581.09
19
6/15/2013
1,199.00
636.95
562.05
34,429.45
975.55
343.82
631.73
32,949.36
20
7/15/2013
1,199.00
626.72
572.28
33,857.17
975.55
335.63
639.92
32,309.43
21
8/15/2013
1,199.00
616.30
582.70
33,274.46
975.55
327.44
648.11
31,661.33
22
9/15/2013
1,199.00
605.69
593.31
32,681.16
975.55
319.26
656.29
31,005.03
23
10/15/2013
1,199.00
594.89
604.11
32,077.05
975.55
311.07
664.48
30,340.56
24
11/15/2013
1,199.00
583.90
615.10
31,461.94
975.55
302.89
672.67
29,667.89
25
12/15/2013
1,199.00
572.70
626.30
30,835.64
975.55
294.70
680.85
28,987.04
26
1/15/2014
1,199.00
561.30
637.70
30,197.94
975.55
286.51
689.04
28,298.00
27
2/15/2014
1,199.00
549.69
649.31
29,548.63
975.55
278.33
697.22
27,600.78
28
3/15/2014
1,199.00
537.87
661.13
28,887.50
975.55
270.14
705.41
26,895.37
29
4/15/2014
1,199.00
525.84
673.16
28,214.34
975.55
261.96
713.60
26,181.77
30
5/15/2014
1,199.00
513.58
685.42
27,528.92
975.55
253.77
721.78
25,459.99
31
6/15/2014
1,199.00
501.11
697.89
26,831.03
975.55
245.58
729.97
24,730.02
32
7/15/2014
1,199.00
488.40
710.60
26,120.43
975.55
237.40
738.15
23,991.87
33
8/15/2014
1,199.00
475.47
723.53
25,396.90
975.55
229.21
746.34
23,245.53
34
9/15/2014
1,199.00
462.30
736.70
24,660.20
975.55
221.02
754.53
22,491.00
35
10/15/2014
1,199.00
448.89
750.11
23,910.08
975.55
212.84
762.71
21,728.29
36
11/15/2014
1,199.00
435.23
763.77
23,146.32
975.55
204.65
770.90
20,957.39

R$
R$
R$
R$
R$
R$
1,199.00
975.55
223.45
43,068.11
42,844.66
990.00
59
R$ 973.26
Consideraes:
Banco:
Anonimo
Ita S/A
SISTEMA CONTRATADO
SISTEMA RECALCULADO
Valor Financiado:
Prazo:
Prestao:
Vencimento
12/15/2011
R$ 43,552.49
60
R$ 1,199.00
1.69%
Prestao
Valor Financiado:
Prazo:
Prestao:
Saldo
Prestao
Devedor
Recalculada
Juros
Amortizao
1,199.00
792.78
406.22
43,146.27
1/15/2012
1,199.00
785.39
413.61
2/15/2012
1,199.00
777.86
3/15/2012
1,199.00
4/15/2012
5/15/2012
R$ 43,552.49
60
R$ 1,199.00
1.69%
Saldo
Juros
Amortizao
975.55
491.17
484.38
43,068.11
42,732.66
975.55
482.98
492.57
42,575.53
421.14
42,311.52
975.55
474.79
500.76
42,074.78
770.19
428.81
41,882.71
975.55
466.61
508.94
41,565.83
1,199.00
762.39
436.61
41,446.10
975.55
458.42
517.13
41,048.70
1,199.00
754.44
444.56
41,001.54
975.55
450.24
525.32
40,523.39
6/15/2012
1,199.00
746.35
452.65
40,548.88
975.55
442.05
533.50
39,989.89
7/15/2012
1,199.00
738.11
460.89
40,087.99
975.55
433.86
541.69
39,448.20
8/15/2012
1,199.00
729.72
469.28
39,618.71
975.55
425.68
549.87
38,898.33
10
9/15/2012
1,199.00
721.18
477.82
39,140.89
975.55
417.49
558.06
38,340.27
11
10/15/2012
1,199.00
712.48
486.52
38,654.36
975.55
409.31
566.25
37,774.02
12
11/15/2012
1,199.00
703.62
495.38
38,158.99
975.55
401.12
574.43
37,199.59
13
12/15/2012
1,199.00
694.60
504.40
37,654.59
975.55
392.93
582.62
36,616.97
14
1/15/2013
1,199.00
685.42
513.58
37,141.01
975.55
384.75
590.80
36,026.17
15
2/15/2013
1,199.00
676.07
522.93
36,618.09
975.55
376.56
598.99
35,427.18
16
3/15/2013
1,199.00
666.56
532.44
36,085.64
975.55
368.37
607.18
34,820.00
17
4/15/2013
1,199.00
656.86
542.14
35,543.51
975.55
360.19
615.36
34,204.64
18
5/15/2013
1,199.00
647.00
552.00
34,991.50
975.55
352.00
623.55
33,581.09
19
6/15/2013
1,199.00
636.95
562.05
34,429.45
975.55
343.82
631.73
32,949.36
20
7/15/2013
1,199.00
626.72
572.28
33,857.17
975.55
335.63
639.92
32,309.43
21
8/15/2013
1,199.00
616.30
582.70
33,274.46
975.55
327.44
648.11
31,661.33
22
9/15/2013
1,199.00
605.69
593.31
32,681.16
975.55
319.26
656.29
31,005.03
23
10/15/2013
1,199.00
594.89
604.11
32,077.05
975.55
311.07
664.48
30,340.56
24
11/15/2013
1,199.00
583.90
615.10
31,461.94
975.55
302.89
672.67
29,667.89
25
12/15/2013
1,199.00
572.70
626.30
30,835.64
975.55
294.70
680.85
28,987.04
26
1/15/2014
1,199.00
561.30
637.70
30,197.94
975.55
286.51
689.04
28,298.00
27
2/15/2014
1,199.00
549.69
649.31
29,548.63
975.55
278.33
697.22
27,600.78
28
3/15/2014
1,199.00
537.87
661.13
28,887.50
975.55
270.14
705.41
26,895.37
29
4/15/2014
1,199.00
525.84
673.16
28,214.34
975.55
261.96
713.60
26,181.77
30
5/15/2014
1,199.00
513.58
685.42
27,528.92
975.55
253.77
721.78
25,459.99
31
6/15/2014
1,199.00
501.11
697.89
26,831.03
975.55
245.58
729.97
24,730.02
32
7/15/2014
1,199.00
488.40
710.60
26,120.43
975.55
237.40
738.15
23,991.87
33
8/15/2014
1,199.00
475.47
723.53
25,396.90
975.55
229.21
746.34
23,245.53
34
9/15/2014
1,199.00
462.30
736.70
24,660.20
975.55
221.02
754.53
22,491.00
35
10/15/2014
1,199.00
448.89
750.11
23,910.08
975.55
212.84
762.71
21,728.29
36
11/15/2014
1,199.00
435.23
763.77
23,146.32
975.55
204.65
770.90
20,957.39
37
12/15/2014
1,199.00
421.33
777.67
22,368.65
975.55
196.47
779.08
20,178.31
38
1/15/2015
1,199.00
407.17
791.83
21,576.82
975.55
188.28
787.27
19,391.04
39
2/15/2015
1,199.00
392.76
806.24
20,770.58
975.55
180.09
795.46
18,595.58
40
3/15/2015
1,199.00
378.09
820.91
19,949.67
975.55
171.91
803.64
17,791.94
Contratada
43,552.49
Devedor
43,552.49
41
4/15/2015
1,199.00
363.14
835.86
19,113.81
975.55
163.72
811.83
16,980.11
42
5/15/2015
1,199.00
347.93
851.07
18,262.74
975.55
155.54
820.02
16,160.09
43
6/15/2015
1,199.00
332.43
866.57
17,396.17
975.55
147.35
828.20
15,331.89
44
7/15/2015
1,199.00
316.66
882.34
16,513.83
975.55
139.16
836.39
14,495.51
45
8/15/2015
1,199.00
300.60
898.40
15,615.43
975.55
130.98
844.57
13,650.93
46
9/15/2015
1,199.00
284.25
914.75
14,700.68
975.55
122.79
852.76
12,798.17
47
10/15/2015
1,199.00
267.60
931.40
13,769.27
975.55
114.61
860.95
11,937.23
48
11/15/2015
1,199.00
250.64
948.36
12,820.91
975.55
106.42
869.13
11,068.10

R$
R$
R$
R$
R$
R$
1,199.00
975.55
223.45
43,068.11
42,844.66
990.00
59
R$ 973.26
Consideraes:
Banco:
Anonimo
Ita S/A
SISTEMA CONTRATADO
SISTEMA RECALCULADO
Valor Financiado:
Prazo:
Prestao:
R$ 43,552.49
60
R$ 1,199.00
1.69%
Valor Financiado:
Prazo:
Prestao:
Vencimento
Prestao
Contratada
Juros
Amortizao
12/15/2011
1,199.00
792.78
406.22
1/15/2012
1,199.00
785.39
2/15/2012
1,199.00
3/15/2012
Saldo
Devedor
R$ 43,552.49
60
R$ 1,199.00
1.69%
Prestao
Recalculada
Juros
Amortizao
43,146.27
975.55
491.17
484.38
43,068.11
413.61
42,732.66
975.55
482.98
492.57
42,575.53
777.86
421.14
42,311.52
975.55
474.79
500.76
42,074.78
1,199.00
770.19
428.81
41,882.71
975.55
466.61
508.94
41,565.83
4/15/2012
1,199.00
762.39
436.61
41,446.10
975.55
458.42
517.13
41,048.70
5/15/2012
1,199.00
754.44
444.56
41,001.54
975.55
450.24
525.32
40,523.39
6/15/2012
1,199.00
746.35
452.65
40,548.88
975.55
442.05
533.50
39,989.89
7/15/2012
1,199.00
738.11
460.89
40,087.99
975.55
433.86
541.69
39,448.20
43,552.49
Saldo
Devedor
43,552.49
8/15/2012
1,199.00
729.72
469.28
39,618.71
975.55
425.68
549.87
38,898.33
10
9/15/2012
1,199.00
721.18
477.82
39,140.89
975.55
417.49
558.06
38,340.27
11
10/15/2012
1,199.00
712.48
486.52
38,654.36
975.55
409.31
566.25
37,774.02
12
11/15/2012
1,199.00
703.62
495.38
38,158.99
975.55
401.12
574.43
37,199.59
13
12/15/2012
1,199.00
694.60
504.40
37,654.59
975.55
392.93
582.62
36,616.97
14
1/15/2013
1,199.00
685.42
513.58
37,141.01
975.55
384.75
590.80
36,026.17
15
2/15/2013
1,199.00
676.07
522.93
36,618.09
975.55
376.56
598.99
35,427.18
16
3/15/2013
1,199.00
666.56
532.44
36,085.64
975.55
368.37
607.18
34,820.00
17
4/15/2013
1,199.00
656.86
542.14
35,543.51
975.55
360.19
615.36
34,204.64
18
5/15/2013
1,199.00
647.00
552.00
34,991.50
975.55
352.00
623.55
33,581.09
19
6/15/2013
1,199.00
636.95
562.05
34,429.45
975.55
343.82
631.73
32,949.36
20
7/15/2013
1,199.00
626.72
572.28
33,857.17
975.55
335.63
639.92
32,309.43
21
8/15/2013
1,199.00
616.30
582.70
33,274.46
975.55
327.44
648.11
31,661.33
22
9/15/2013
1,199.00
605.69
593.31
32,681.16
975.55
319.26
656.29
31,005.03
23
10/15/2013
1,199.00
594.89
604.11
32,077.05
975.55
311.07
664.48
30,340.56
24
11/15/2013
1,199.00
583.90
615.10
31,461.94
975.55
302.89
672.67
29,667.89
25
12/15/2013
1,199.00
572.70
626.30
30,835.64
975.55
294.70
680.85
28,987.04
26
1/15/2014
1,199.00
561.30
637.70
30,197.94
975.55
286.51
689.04
28,298.00
27
2/15/2014
1,199.00
549.69
649.31
29,548.63
975.55
278.33
697.22
27,600.78
28
3/15/2014
1,199.00
537.87
661.13
28,887.50
975.55
270.14
705.41
26,895.37
29
4/15/2014
1,199.00
525.84
673.16
28,214.34
975.55
261.96
713.60
26,181.77
30
5/15/2014
1,199.00
513.58
685.42
27,528.92
975.55
253.77
721.78
25,459.99
31
6/15/2014
1,199.00
501.11
697.89
26,831.03
975.55
245.58
729.97
24,730.02
32
7/15/2014
1,199.00
488.40
710.60
26,120.43
975.55
237.40
738.15
23,991.87
33
8/15/2014
1,199.00
475.47
723.53
25,396.90
975.55
229.21
746.34
23,245.53
34
9/15/2014
1,199.00
462.30
736.70
24,660.20
975.55
221.02
754.53
22,491.00
35
10/15/2014
1,199.00
448.89
750.11
23,910.08
975.55
212.84
762.71
21,728.29
36
11/15/2014
1,199.00
435.23
763.77
23,146.32
975.55
204.65
770.90
20,957.39
37
12/15/2014
1,199.00
421.33
777.67
22,368.65
975.55
196.47
779.08
20,178.31
38
1/15/2015
1,199.00
407.17
791.83
21,576.82
975.55
188.28
787.27
19,391.04
39
2/15/2015
1,199.00
392.76
806.24
20,770.58
975.55
180.09
795.46
18,595.58
40
3/15/2015
1,199.00
378.09
820.91
19,949.67
975.55
171.91
803.64
17,791.94
41
4/15/2015
1,199.00
363.14
835.86
19,113.81
975.55
163.72
811.83
16,980.11
42
5/15/2015
1,199.00
347.93
851.07
18,262.74
975.55
155.54
820.02
16,160.09
43
6/15/2015
1,199.00
332.43
866.57
17,396.17
975.55
147.35
828.20
15,331.89
44
7/15/2015
1,199.00
316.66
882.34
16,513.83
975.55
139.16
836.39
14,495.51
45
8/15/2015
1,199.00
300.60
898.40
15,615.43
975.55
130.98
844.57
13,650.93
46
9/15/2015
1,199.00
284.25
914.75
14,700.68
975.55
122.79
852.76
12,798.17
47
10/15/2015
1,199.00
267.60
931.40
13,769.27
975.55
114.61
860.95
11,937.23
48
11/15/2015
1,199.00
250.64
948.36
12,820.91
975.55
106.42
869.13
11,068.10
49
12/15/2015
1,199.00
233.38
965.62
11,855.29
975.55
98.23
877.32
10,190.78
50
1/15/2016
1,199.00
215.80
983.20
10,872.09
975.55
90.05
885.50
9,305.27
51
2/15/2016
1,199.00
197.90
1,001.10
9,871.00
975.55
81.86
893.69
8,411.58
52
3/15/2016
1,199.00
179.68
1,019.32
8,851.68
975.55
73.67
901.88
7,509.71
53
4/15/2016
1,199.00
161.13
1,037.87
7,813.80
975.55
65.49
910.06
6,599.65
54
5/15/2016
1,199.00
142.23
1,056.77
6,757.04
975.55
57.30
918.25
5,681.40
55
6/15/2016
1,199.00
123.00
1,076.00
5,681.04
975.55
49.12
926.43
4,754.96
56
7/15/2016
1,199.00
103.41
1,095.59
4,585.45
975.55
40.93
934.62
3,820.34
57
8/15/2016
1,199.00
83.47
1,115.53
3,469.92
975.55
32.74
942.81
2,877.54
58
9/15/2016
1,199.00
63.16
1,135.84
2,334.08
975.55
24.56
950.99
1,926.54
59
10/15/2016
1,199.00
42.49
1,156.51
1,177.56
975.55
16.37
959.18
967.36
60
11/15/2016
1,199.00
21.44
1,177.56
0.00
975.55
8.19
967.36
0.00

R$
R$
R$
R$
R$
R$
1,199.00
975.55
223.45
43,068.11
42,844.66
990.00
59
R$ 973.26
Consideraes:
Banco:
Anonimo
Ita S/A
SISTEMA CONTRATADO
SISTEMA RECALCULADO
Valor Financiado:
Prazo:
Prestao:
N Vencimento
R$ 43,552.49
60
R$ 1,199.00
1.69%
Valor Financiado:
Prazo:
Prestao:
Prestao
Contratada
Juros
Amortizao
Saldo
Devedor
R$ 43,552.49
60
R$ 1,199.00
1.69%
Prestao
Recalculada
Juros
Amortizao
43,552.49
Saldo
Devedor
43,552.49
12/15/2011
1,199.00
792.78
406.22
43,146.27
975.55
491.17
484.38
43,068.11
1/15/2012
1,199.00
785.39
413.61
42,732.66
975.55
482.98
492.57
42,575.53
2/15/2012
1,199.00
777.86
421.14
42,311.52
975.55
474.79
500.76
42,074.78
3/15/2012
1,199.00
770.19
428.81
41,882.71
975.55
466.61
508.94
41,565.83
4/15/2012
1,199.00
762.39
436.61
41,446.10
975.55
458.42
517.13
41,048.70
5/15/2012
1,199.00
754.44
444.56
41,001.54
975.55
450.24
525.32
40,523.39
6/15/2012
1,199.00
746.35
452.65
40,548.88
975.55
442.05
533.50
39,989.89
7/15/2012
1,199.00
738.11
460.89
40,087.99
975.55
433.86
541.69
39,448.20
8/15/2012
1,199.00
729.72
469.28
39,618.71
975.55
425.68
549.87
38,898.33
10
9/15/2012
1,199.00
721.18
477.82
39,140.89
975.55
417.49
558.06
38,340.27
11
10/15/2012
1,199.00
712.48
486.52
38,654.36
975.55
409.31
566.25
37,774.02
12
11/15/2012
1,199.00
703.62
495.38
38,158.99
975.55
401.12
574.43
37,199.59
13
12/15/2012
1,199.00
694.60
504.40
37,654.59
975.55
392.93
582.62
36,616.97
14
1/15/2013
1,199.00
685.42
513.58
37,141.01
975.55
384.75
590.80
36,026.17
15
2/15/2013
1,199.00
676.07
522.93
36,618.09
975.55
376.56
598.99
35,427.18
16
3/15/2013
1,199.00
666.56
532.44
36,085.64
975.55
368.37
607.18
34,820.00
17
4/15/2013
1,199.00
656.86
542.14
35,543.51
975.55
360.19
615.36
34,204.64
18
5/15/2013
1,199.00
647.00
552.00
34,991.50
975.55
352.00
623.55
33,581.09
19
6/15/2013
1,199.00
636.95
562.05
34,429.45
975.55
343.82
631.73
32,949.36
20
7/15/2013
1,199.00
626.72
572.28
33,857.17
975.55
335.63
639.92
32,309.43
21
8/15/2013
1,199.00
616.30
582.70
33,274.46
975.55
327.44
648.11
31,661.33
22
9/15/2013
1,199.00
605.69
593.31
32,681.16
975.55
319.26
656.29
31,005.03
23
10/15/2013
1,199.00
594.89
604.11
32,077.05
975.55
311.07
664.48
30,340.56
24
11/15/2013
1,199.00
583.90
615.10
31,461.94
975.55
302.89
672.67
29,667.89
25
12/15/2013
1,199.00
572.70
626.30
30,835.64
975.55
294.70
680.85
28,987.04
26
1/15/2014
1,199.00
561.30
637.70
30,197.94
975.55
286.51
689.04
28,298.00
27
2/15/2014
1,199.00
549.69
649.31
29,548.63
975.55
278.33
697.22
27,600.78
28
3/15/2014
1,199.00
537.87
661.13
28,887.50
975.55
270.14
705.41
26,895.37
29
4/15/2014
1,199.00
525.84
673.16
28,214.34
975.55
261.96
713.60
26,181.77
30
5/15/2014
1,199.00
513.58
685.42
27,528.92
975.55
253.77
721.78
25,459.99
31
6/15/2014
1,199.00
501.11
697.89
26,831.03
975.55
245.58
729.97
24,730.02
32
7/15/2014
1,199.00
488.40
710.60
26,120.43
975.55
237.40
738.15
23,991.87
33
8/15/2014
1,199.00
475.47
723.53
25,396.90
975.55
229.21
746.34
23,245.53
34
9/15/2014
1,199.00
462.30
736.70
24,660.20
975.55
221.02
754.53
22,491.00
35
10/15/2014
1,199.00
448.89
750.11
23,910.08
975.55
212.84
762.71
21,728.29
36
11/15/2014
1,199.00
435.23
763.77
23,146.32
975.55
204.65
770.90
20,957.39
37
12/15/2014
1,199.00
421.33
777.67
22,368.65
975.55
196.47
779.08
20,178.31
38
1/15/2015
1,199.00
407.17
791.83
21,576.82
975.55
188.28
787.27
19,391.04
39
2/15/2015
1,199.00
392.76
806.24
20,770.58
975.55
180.09
795.46
18,595.58
40
3/15/2015
1,199.00
378.09
820.91
19,949.67
975.55
171.91
803.64
17,791.94
41
4/15/2015
1,199.00
363.14
835.86
19,113.81
975.55
163.72
811.83
16,980.11
42
5/15/2015
1,199.00
347.93
851.07
18,262.74
975.55
155.54
820.02
16,160.09
43
6/15/2015
1,199.00
332.43
866.57
17,396.17
975.55
147.35
828.20
15,331.89
44
7/15/2015
1,199.00
316.66
882.34
16,513.83
975.55
139.16
836.39
14,495.51
45
8/15/2015
1,199.00
300.60
898.40
15,615.43
975.55
130.98
844.57
13,650.93
46
9/15/2015
1,199.00
284.25
914.75
14,700.68
975.55
122.79
852.76
12,798.17
47
10/15/2015
1,199.00
267.60
931.40
13,769.27
975.55
114.61
860.95
11,937.23
48
11/15/2015
1,199.00
250.64
948.36
12,820.91
975.55
106.42
869.13
11,068.10
49
12/15/2015
1,199.00
233.38
965.62
11,855.29
975.55
98.23
877.32
10,190.78
50
1/15/2016
1,199.00
215.80
983.20
10,872.09
975.55
90.05
885.50
9,305.27
51
2/15/2016
1,199.00
197.90
1,001.10
9,871.00
975.55
81.86
893.69
8,411.58
52
3/15/2016
1,199.00
179.68
1,019.32
8,851.68
975.55
73.67
901.88
7,509.71
53
4/15/2016
1,199.00
161.13
1,037.87
7,813.80
975.55
65.49
910.06
6,599.65
54
5/15/2016
1,199.00
142.23
1,056.77
6,757.04
975.55
57.30
918.25
5,681.40
55
6/15/2016
1,199.00
123.00
1,076.00
5,681.04
975.55
49.12
926.43
4,754.96
56
7/15/2016
1,199.00
103.41
1,095.59
4,585.45
975.55
40.93
934.62
3,820.34
57
8/15/2016
1,199.00
83.47
1,115.53
3,469.92
975.55
32.74
942.81
2,877.54
58
9/15/2016
1,199.00
63.16
1,135.84
2,334.08
975.55
24.56
950.99
1,926.54
59
10/15/2016
1,199.00
42.49
1,156.51
1,177.56
975.55
16.37
959.18
967.36
60
11/15/2016
1,199.00
21.44
1,177.56
0.00
975.55
8.19
967.36
0.00
61
12/15/2016
1,199.00
0.00
1,199.00
-1,199.00
975.55
0.00
975.55
-975.55
62
1/15/2017
1,199.00
-21.83
1,220.83
-2,419.83
975.55
-8.19
983.74
-1,959.29
63
2/15/2017
1,199.00
-44.05
1,243.05
-3,662.87
975.55
-16.37
991.92
-2,951.21
64
3/15/2017
1,199.00
-66.67
1,265.67
-4,928.55
975.55
-24.56
1,000.11
-3,951.32
65
4/15/2017
1,199.00
-89.71
1,288.71
-6,217.26
975.55
-32.74
1,008.30
-4,959.62
66
5/15/2017
1,199.00
-113.17
1,312.17
-7,529.43
975.55
-40.93
1,016.48
-5,976.10
67
6/15/2017
1,199.00
-137.06
1,336.06
-8,865.49
975.55
-49.12
1,024.67
-7,000.76
68
7/15/2017
1,199.00
-161.38
1,360.38
-10,225.87
975.55
-57.30
1,032.85
-8,033.62
69
8/15/2017
1,199.00
-186.14
1,385.14
-11,611.01
975.55
-65.49
1,041.04
-9,074.66
70
9/15/2017
1,199.00
-211.35
1,410.35
-13,021.36
975.55
-73.67
1,049.23
-10,123.88
71
10/15/2017
1,199.00
-237.03
1,436.03
-14,457.39
975.55
-81.86
1,057.41
-11,181.30
72
11/15/2017
1,199.00
-263.17
1,462.17
-15,919.56
975.55
-90.05
1,065.60
-12,246.89

R$
R$
R$
R$
R$
R$
1,199.00
975.55
223.45
43,068.11
42,844.66
990.00
59
R$ 973.26
Consideraes:
PRICE
Valor Financiado:
Valor da Prestao:
Prazo:
Total de Pagas:
R$ 43,552.49
R$ 1,199.00
60
1
1.820%
24.17%
43,146.27

Taxa Anual Contrato:
Saldo Devedor Atual:
Dia
15
Ms
12
Ano
2011
Prestao
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
33
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
Juros
Amortizao
792.78
785.39
777.86
770.19
762.39
754.44
746.35
738.11
729.72
721.18
712.48
703.62
694.60
685.42
676.07
666.56
656.86
647.00
636.95
626.72
616.30
605.69
594.89
583.90
572.70
561.30
549.69
537.87
525.84
513.58
501.11
488.40
475.47
406.22
413.61
421.14
428.81
436.61
444.56
452.65
460.89
469.28
477.82
486.52
495.38
504.40
513.58
522.93
532.44
542.14
552.00
562.05
572.28
582.70
593.31
604.11
615.10
626.30
637.70
649.31
661.13
673.16
685.42
697.89
710.60
723.53
Saldo Devedor
43,552.49
43,146.27
42,732.66
42,311.52
41,882.71
41,446.10
41,001.54
40,548.88
40,087.99
39,618.71
39,140.89
38,654.36
38,158.99
37,654.59
37,141.01
36,618.09
36,085.64
35,543.51
34,991.50
34,429.45
33,857.17
33,274.46
32,681.16
32,077.05
31,461.94
30,835.64
30,197.94
29,548.63
28,887.50
28,214.34
27,528.92
26,831.03
26,120.43
25,396.90
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
86
87
88
89
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
1199.00
462.30
448.89
435.23
421.33
407.17
392.76
378.09
363.14
347.93
332.43
316.66
300.60
284.25
267.60
250.64
233.38
215.80
197.90
179.68
161.13
142.23
123.00
103.41
83.47
63.16
42.49
21.44
(0.00)
(21.83)
(44.05)
(66.67)
(89.71)
(113.17)
(137.06)
(161.38)
(186.14)
(211.35)
(237.03)
(263.17)
(289.78)
(316.88)
(344.48)
(372.57)
(401.18)
(430.31)
(459.96)
(490.16)
(520.91)
(552.22)
(584.10)
(616.55)
(649.60)
(683.25)
(717.51)
(752.40)
(787.92)
736.70
750.11
763.77
777.67
791.83
806.24
820.91
835.86
851.07
866.57
882.34
898.40
914.75
931.40
948.36
965.62
983.20
1,001.10
1,019.32
1,037.87
1,056.77
1,076.00
1,095.59
1,115.53
1,135.84
1,156.51
1,177.56
1,199.00
1,220.83
1,243.05
1,265.67
1,288.71
1,312.17
1,336.06
1,360.38
1,385.14
1,410.35
1,436.03
1,462.17
1,488.78
1,515.88
1,543.48
1,571.57
1,600.18
1,629.31
1,658.96
1,689.16
1,719.91
1,751.22
1,783.10
1,815.55
1,848.60
1,882.25
1,916.51
1,951.40
1,986.92
24,660.20
23,910.08
23,146.32
22,368.65
21,576.82
20,770.58
19,949.67
19,113.81
18,262.74
17,396.17
16,513.83
15,615.43
14,700.68
13,769.27
12,820.91
11,855.29
10,872.09
9,871.00
8,851.68
7,813.80
6,757.04
5,681.04
4,585.45
3,469.92
2,334.08
1,177.56
(0.00)
(1,199.00)
(2,419.83)
(3,662.87)
(4,928.55)
(6,217.26)
(7,529.43)
(8,865.49)
(10,225.87)
(11,611.01)
(13,021.36)
(14,457.39)
(15,919.56)
(17,408.34)
(18,924.22)
(20,467.70)
(22,039.27)
(23,639.45)
(25,268.76)
(26,927.72)
(28,616.88)
(30,336.79)
(32,088.01)
(33,871.11)
(35,686.66)
(37,535.26)
(39,417.51)
(41,334.02)
(43,285.42)
(45,272.34)
Hoje
Data
LICENA
4/21/2013
4/21/2013
43,552.490
1.8203%
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:
Prestao
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
33
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
Juros
491.17
482.98
474.79
466.61
458.42
450.24
442.05
433.86
425.68
417.49
409.31
401.12
392.93
384.75
376.56
368.37
360.19
352.00
343.82
335.63
327.44
319.26
311.07
302.89
294.70
286.51
278.33
270.14
261.96
253.77
245.58
237.40
229.21
R$ 43,552.49
R$ 1,199.00
60
1
1.690%
24.17%
R$ 975.55
8.18610
43,068.11
223.45
446.90
59
42,844.66
42,621.21
973.26
968.18
Amortizao
484.38
492.57
500.76
508.94
517.13
525.32
533.50
541.69
549.87
558.06
566.25
574.43
582.62
590.80
598.99
607.18
615.36
623.55
631.73
639.92
648.11
656.29
664.48
672.67
680.85
689.04
697.22
705.41
713.60
721.78
729.97
738.15
746.34
Saldo Devedor
43,552.49
43,068.11
42,575.53
42,074.78
41,565.83
41,048.70
40,523.39
39,989.89
39,448.20
38,898.33
38,340.27
37,774.02
37,199.59
36,616.97
36,026.17
35,427.18
34,820.00
34,204.64
33,581.09
32,949.36
32,309.43
31,661.33
31,005.03
30,340.56
29,667.89
28,987.04
28,298.00
27,600.78
26,895.37
26,181.77
25,459.99
24,730.02
23,991.87
23,245.53
60
59
58
57
56
55
54
53
52
51
50
49
48
47
46
45
44
43
42
41
40
39
38
37
36
35
34
33
32
31
30
29
28
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
86
87
88
89
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
975.55
221.02
212.84
204.65
196.47
188.28
180.09
171.91
163.72
155.54
147.35
139.16
130.98
122.79
114.61
106.42
98.23
90.05
81.86
73.67
65.49
57.30
49.12
40.93
32.74
24.56
16.37
8.19
(8.19)
(16.37)
(24.56)
(32.74)
(40.93)
(49.12)
(57.30)
(65.49)
(73.67)
(81.86)
(90.05)
(98.23)
(106.42)
(114.61)
(122.79)
(130.98)
(139.16)
(147.35)
(155.54)
(163.72)
(171.91)
(180.09)
(188.28)
(196.47)
(204.65)
(212.84)
(221.02)
(229.21)
754.53
762.71
770.90
779.08
787.27
795.46
803.64
811.83
820.02
828.20
836.39
844.57
852.76
860.95
869.13
877.32
885.50
893.69
901.88
910.06
918.25
926.43
934.62
942.81
950.99
959.18
967.36
975.55
983.74
991.92
1,000.11
1,008.30
1,016.48
1,024.67
1,032.85
1,041.04
1,049.23
1,057.41
1,065.60
1,073.78
1,081.97
1,090.16
1,098.34
1,106.53
1,114.71
1,122.90
1,131.09
1,139.27
1,147.46
1,155.65
1,163.83
1,172.02
1,180.20
1,188.39
1,196.58
1,204.76
22,491.00
21,728.29
20,957.39
20,178.31
19,391.04
18,595.58
17,791.94
16,980.11
16,160.09
15,331.89
14,495.51
13,650.93
12,798.17
11,937.23
11,068.10
10,190.78
9,305.27
8,411.58
7,509.71
6,599.65
5,681.40
4,754.96
3,820.34
2,877.54
1,926.54
967.36
(975.55)
(1,959.29)
(2,951.21)
(3,951.32)
(4,959.62)
(5,976.10)
(7,000.76)
(8,033.62)
(9,074.66)
(10,123.88)
(11,181.30)
(12,246.89)
(13,320.68)
(14,402.65)
(15,492.81)
(16,591.15)
(17,697.68)
(18,812.39)
(19,935.29)
(21,066.38)
(22,205.65)
(23,353.11)
(24,508.76)
(25,672.59)
(26,844.61)
(28,024.81)
(29,213.20)
(30,409.77)
(31,614.54)
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
-13
-14
-15
-16
-17
-18
-19
-20
-21
-22
-23
-24
-25
-26
-27
-28
CIMA
BAIXO
ENCARGO
CIMA
BAIXO
INDICE
Recalculo
2.014
0.49855
R$ 975.55
14,980.57
3660
8.18610302
cima
R$ 87,714.71
89.913
1830
0.9971
0.9802
973.260387
Recalculo
1.9971 85565.06
0.4901
1.4901
85118.81
968.1845128
87.9159

Analise Revisional Contrato Messias Toritama

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Analise Revisional Contrato Messias Toritama

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PLANILHA DE CONVERSO DE CLCULO PARA REVISES DE CON

Sistema para retirar a capitalizao de juros em contratos de financiamen

Saldo Devedor Atual do Contrato:

Saldo Devedor (Sistema Legal):

Prazo restante do Contrato:

Licena Vlida at:

CLCULO PARA REVISES DE CONTRATO

ao de juros em contratos de financiamento

Taxa Mensal do Reclculo:

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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