Professional Documents
Culture Documents
Juro Simples
Taxa mdia
C
Capitais
2,500.00
3,500.00
4,000.00
3,000.00
Totais
n
Tempo em
meses
6
3
12
8
i
Taxa mensal
2.0000%
1.0000%
0.5000%
0.0400%
C*n
15000
10500
48000
24000
97,500.00
C*n*i
Exerccio 1
Juro
300.00
105.00
240.00
9.60
654.60
Foram aplicados
(6 meses), 3 500
3 000,00
e 0,04%, respec
Qual a taxa m
Qual a taxa de
Taxa mdia
Mensal
0.6714%
Anual
8.0566%
Exerccio 1
Foram aplicados a juros simples, os capitais 2 500,00,
(6 meses), 3 500,00(3 meses), 4 000,00 (1 ano) e
3 000,00 (8 meses) s taxas mensais de 2%, 1%, 0,5%
e 0,04%, respectivamente.
Qual a taxa mdia mensal destas aplicaes?
Qual a taxa de juro anual?
Exercicios
RJC
1.
Capital
Taxa de juro (anual)
Prazo ( anos)
Valor futuro
5.
50,000.00
3.0000%
2
53,045.00
Capital
Taxa de juro (anual)
Prazo ( anos)
Valor futuro
Juro
2.
Capital
Taxa de juro anual
Prazo ( anos)
Vf
Equao
6.
25,000.00
2.0000%
3
26,530.20
0.00
Capital
Taxa de juro (anual)
Prazo ( anos)
Valor futuro
Juro
Equao
3.
7.
Capital
6,000.00
Capital
4.0000%
Taxa de juro (anual)
Prazo ( anos)
2
Prazo ( anos)
VF
Equao
6,489.60
0.00
Valor futuro
Juro
Equao
4.
Capital
10,000.00
8.
5.0000%
Taxa semestral efectiva
Prazo ( anos)
3
Taxa anual equivalente
VF
Equao
11576.25
0.00
9.
40,000.00
3.5000%
5
47,507.45
7,507.45
2.0000%
4.0400%
8.0000%
10.
Taxa trimestral
2.0000%
8.0000%
5,000.00
4.0000%
7
6,579.66
1,579.66
0.00
11.
Taxa bimestral
11.1.Taxa quadrimestral euivalente
11.2.Taxa mensal equivalente
11.3.Taxa anual equivalente
11.4.Taxa anual Nominal
0.5000%
1.0025%
0.2497%
3.0378%
3.0000%
12.
100,000.00
3.0000%
4
112,550.88
12,550.88
0.00
Capital
20,000.00
2.0000%
3.0000%
4.0000%
12.1.Juro do 1 ano
12.2.Valor futuro
400.00
21,852.48
12.3.Juro total
1,852.48
13.
4.0000%
Valor da TV
3,000.00
8.1600%
Entrada inicial
1,000.00
8.0000%
1 prestao
Data de vencimento(anos)
1,500.00
0.5
2 prestao
Data vencimento( 1 ano)
Taxa anual ( capitalizaes mensais)
Taxa mensal
Taxa semestral equivalente
Equao
661.37
1
12.0000%
1.0000%
6.1520%
0.00
Tempo semestres
Valor da tv
Pagamentos
0.00
-3,000.00
1,000.00
-2,000.00
1,500.00
1,500.00
661.37
661.37
1,000.00
8.5000%
1,085.00
Taxa de inflao
Taxa real (deflacionada)
4.5000%
3.8278%
1,038.28
1,000.00
8.5000%
6.8000%
1,068.00
Taxa de inflao
Taxa real (deflacionada)
4.5000%
2.2010%
1,022.01
taxa de inflao
Tempo
Capitais (preos correntes)
Capitais (preos constantes ou deflacionados)
4.50%
0
1,000.00
1,000.00
1
1,085.00
1,038.28
4.50%
0
1,000.00
1,000.00
1
1,000.00
956.94
2
1,000.00
915.73
1,000.00
Hoje
5%
1,050.00
1
4.50%
1,097.25
2
3
1,000.00
876.30
Exemplo 16.
Valor do emprstimo
Taxa Anual Nominal
Taxa Mensal
15,000.00
12.0000%
1.0000%
N de Prestaes
24
a. Renda Imediata
Valor da prestao
-706.10
Meses
Divida
Prestaes
0
15,000.00
1
14,443.90
-706.10
2
13,882.23
-706.10
-699.11
Meses
Divida
Prestaes
0
14,300.89
-699.11
1
13,744.79
-699.11
2
13,183.12
-699.11
-727.50
Meses
Divida
Prestaes
0
15,000.00
1
15,150.00
2
15,301.50
b. Renda antecipada
Valor da prestao
c.Renda diferida
Valor da prestao
Funes financeiras
Utilizadas
VA
Valor actual
PGTO
Prestaes
Exemplo 17.
4
12,742.00
-706.10
5 ..
12,163.32
-706.10
..
3
12,615.84
-699.11
4
12,042.89
-699.11
5 ..
11,464.21
-699.11
..
..
3
15,454.52
4
14,881.56
-727.50
5 ..
14,302.88
-727.50
..
Valor futuro
Funo financeira
Utilizada
VF
6.0000%
0.5000%
240
-100.00
46,204.09
1.
Projectos/anos
A
B
0
-40,000.00
-50,000.00
TIR_Anual _ A
TIR_Anual _ B
2.
Localizao
A
B
C
5 Anos
3.
Projecto A
20.4211%
10.1438%
Investimento
nicial
20,000.00
25,000.00
30,000.00
Taxa
Ano
Despesas
Receitas
Cash-Flow
Nota :
A taxa de Irc actual
26.5%
2
16,000.00
15,000.00
VAL
VAL
Cash-Flow
Anual
5,000.00
6,000.00
6,000.00
3
20,000.00
20,000.00
279.71
-8,359.05
Valor
Residual
10,000.00
15,000.00
20,000.00
TIR
18.0129%
18.4593%
15.0622%
15%
0
-10000
0
-10000
VAL
TIR
4.
1
12,500.00
10,000.00
1
-10000
0
-10000
-1,381.58
13.1002%
2
-5000
1000
-4000
3
-1000
5000
4000
sujesto
Resolver com a taxa indicada de 26,5%
4
15,000.00
20,000.00
Projecto A
-20,000.00
-25,000.00
-30,000.00
5,000.00
6,000.00
6,000.00
10
10000
10000
10000
10000
5000
5000
4000
4000
8000
8000
1000
1000
1000
1000
Exerccio 1
Exerccio 2
Sistema de prestaes
Constantes
Sistema de prestaes
Constantes
Valor do emprstimo
Prazo em meses
100,000.00
240
Valor do emprstimo
Valor residual
6.0000%
Prazo em anos
Taxa Mensal
0.5000%
Trimestalidades
1.1
Valor da prestao
-716.43
2.1
Valor de prestao
1.2
Valor do emprstimo
Valor total das Prestaes
100,000.00
2.2
-171,943.45
Valor da prestao
Total de Juros
-71,943.45
Capital em dvida aps
o pagamento da 9
Prestao
1.3
Valor da prestao
Prestaes em falta
-716.43
Juro da 10 prestao
120
2.3
Dvida
64,531.42
10 Amortizao
(ou reembolso)
1.4
Valor da prestao
-716.43
Nota importante
sobre as amortizaes:
Depois de saber uma amortizao
Saberemos todas as outras
Prestaes em falta
228
4.0000%
97,330.20
Taxa mensal
Nova prestao
0.3333%
-610.13
Exerccio 3
Sistema
Prestaes Constantes
Trimestres
200,000.00
-50,000.00
10
40
4.0000%
1.0000%
-5,068.34
-5,068.34
171,254.18
uma amortizao
-1,712.54
-3,355.80
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
29
30
31
32
33
34
35
36
37
Dvida
200,000.00
196,931.66
193,832.64
190,702.62
187,541.31
184,348.38
181,123.53
177,866.42
174,576.75
171,254.18
167,898.38
164,509.02
161,085.77
157,628.29
154,136.23
150,609.26
147,047.01
143,449.14
139,815.29
136,145.10
132,438.22
128,694.26
124,912.86
121,093.65
117,236.25
113,340.27
109,405.33
105,431.05
101,417.02
97,362.85
93,268.14
89,132.48
84,955.46
80,736.68
76,475.71
72,172.12
67,825.50
63,435.42
Juro
Trimestral
2,000.00
1,969.32
1,938.33
1,907.03
1,875.41
1,843.48
1,811.24
1,778.66
1,745.77
1,712.54
1,678.98
1,645.09
1,610.86
1,576.28
1,541.36
1,506.09
1,470.47
1,434.49
1,398.15
1,361.45
1,324.38
1,286.94
1,249.13
1,210.94
1,172.36
1,133.40
1,094.05
1,054.31
1,014.17
973.63
932.68
891.32
849.55
807.37
764.76
721.72
678.26
Reembolso
(Amortizao)
3,068.34
3,099.02
3,130.01
3,161.31
3,192.93
3,224.86
3,257.10
3,289.68
3,322.57
3,355.80
3,389.36
3,423.25
3,457.48
3,492.06
3,526.98
3,562.25
3,597.87
3,633.85
3,670.19
3,706.89
3,743.96
3,781.40
3,819.21
3,857.40
3,895.98
3,934.94
3,974.29
4,014.03
4,054.17
4,094.71
4,135.66
4,177.01
4,218.79
4,260.97
4,303.58
4,346.62
4,390.08
38
39
40
beremos como
59,001.43
54,523.11
0.00
634.35
590.01
545.23
4,433.99
4,478.33
54,523.11
Rk R1 1 i
k 1
k 1
Por ex.
A 4* Amortizao
3,161.31
Exercicio 3
considerando
Siatema de Reembolsos Constantes
Sem valor residual
Prestao
Constante
5,068.34
5,068.34
5,068.34
5,068.34
5,068.34
5,068.34
5,068.34
5,068.34
5,068.34
5,068.34
5,068.34
5,068.34
5,068.34
5,068.34
5,068.34
5,068.34
5,068.34
5,068.34
5,068.34
5,068.34
5,068.34
5,068.34
5,068.34
5,068.34
5,068.34
5,068.34
5,068.34
5,068.34
5,068.34
5,068.34
5,068.34
5,068.34
5,068.34
5,068.34
5,068.34
5,068.34
5,068.34
Trimestres
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
29
30
31
32
33
34
35
36
37
Dvida
200,000.00
195,000.00
190,000.00
185,000.00
180,000.00
175,000.00
170,000.00
165,000.00
160,000.00
155,000.00
150,000.00
145,000.00
140,000.00
135,000.00
130,000.00
125,000.00
120,000.00
115,000.00
110,000.00
105,000.00
100,000.00
95,000.00
90,000.00
85,000.00
80,000.00
75,000.00
70,000.00
65,000.00
60,000.00
55,000.00
50,000.00
45,000.00
40,000.00
35,000.00
30,000.00
25,000.00
20,000.00
15,000.00
Juro
Trimestral
2,000.00
1,950.00
1,900.00
1,850.00
1,800.00
1,750.00
1,700.00
1,650.00
1,600.00
1,550.00
1,500.00
1,450.00
1,400.00
1,350.00
1,300.00
1,250.00
1,200.00
1,150.00
1,100.00
1,050.00
1,000.00
950.00
900.00
850.00
800.00
750.00
700.00
650.00
600.00
550.00
500.00
450.00
400.00
350.00
300.00
250.00
200.00
Reembolso
(Amortizao)
5,000.00
5,000.00
5,000.00
5,000.00
5,000.00
5,000.00
5,000.00
5,000.00
5,000.00
5,000.00
5,000.00
5,000.00
5,000.00
5,000.00
5,000.00
5,000.00
5,000.00
5,000.00
5,000.00
5,000.00
5,000.00
5,000.00
5,000.00
5,000.00
5,000.00
5,000.00
5,000.00
5,000.00
5,000.00
5,000.00
5,000.00
5,000.00
5,000.00
5,000.00
5,000.00
5,000.00
5,000.00
5,068.34
5,068.34
55,068.34
38
39
40
10,000.00
5,000.00
0.00
150.00
100.00
50.00
5,000.00
5,000.00
5,000.00
Prestao
Constante
7,000.00
6,950.00
6,900.00
6,850.00
6,800.00
6,750.00
6,700.00
6,650.00
6,600.00
6,550.00
6,500.00
6,450.00
6,400.00
6,350.00
6,300.00
6,250.00
6,200.00
6,150.00
6,100.00
6,050.00
6,000.00
5,950.00
5,900.00
5,850.00
5,800.00
5,750.00
5,700.00
5,650.00
5,600.00
5,550.00
5,500.00
5,450.00
5,400.00
5,350.00
5,300.00
5,250.00
5,200.00
5,150.00
5,100.00
5,050.00
-46,204.09