PV

8,000.00

n
12

Sries Uniformes - PMT

I
PMT
4%
?

Clculo de PMT ----------------------------------------->

Frmula : =PGTO(E3;D

1. Determinar o valor das prestaes mensais de um financiamento realizado com uma taxa de 2,5%
presente de R$ 1.000,00 e que o prazo de 4 meses.
Resposta:265.82

2. Um automvel cujo preo vista custa R$ 14.480,00, pode ser financiado em 48 parcelas mensais
ms. Determinar o valor das prestaes.
Resposta: 453,07

3. Um automvel cujo preo vista custa R$ 14.480,00 foi adquirido com uma entrada de 20% mais 4
uma taxa de 1,5% ao ms. Determinar o valor das prestaes.
Resposta: 340,28

4. Uma compra no valor de R$ 10.000,00 deve ser paga com uma entrada de 20% e o saldo devedor fi
iguais, vencendo a primeira prestao ao fim de um ms, uma taxa de 4% ao ms. Calcule a presta
Resposta: 852,42

iformes - PMT

------------------>
(R$852.42)
Frmula : =PGTO(E3;D3;C3)

financiamento realizado com uma taxa de 2,5% ao ms, sabendo-se que o valor

00, pode ser financiado em 48 parcelas mensais e iguais, com uma taxa de 1,8% ao

00 foi adquirido com uma entrada de 20% mais 48 parcelas mensais e iguais, com

ga com uma entrada de 20% e o saldo devedor financiado em 12 prestaes mensais

ms, uma taxa de 4% ao ms. Calcule a prestao mensal.

Clulas de Entrada

Sistema Francs de Amortizao - Price - sem carncia

Valor do Emprstimo
Prazo de Amortizao
Prazo de Carncia
Taxa de Nominal de Juros
Taxa Mensal de Juros
n
Saldo Devedor
0
R$
150,000.00
1
R$
125,921.22
2
R$
101,481.25
3
R$
76,674.69
4
R$
51,496.03
5
R$
25,939.69
6
R$
TOTAL

R$

Amortizao
R$ 24,078.78
R$ 24,439.96
R$ 24,806.56
R$ 25,178.66
R$ 25,556.34
R$ 25,939.69
R$ 150,000.00

R$
R$
R$
R$
R$
R$
R$

150,000.00
6
18.00%
1.50%
Juros
2,250.00
1,888.82
1,522.22
1,150.12
772.44
389.10
7,972.69

meses
meses
ao ano
ao ms
Prestao
R$ 26,328.78
R$ 26,328.78
R$ 26,328.78
R$ 26,328.78
R$ 26,328.78
R$ 26,328.78
R$ 157,972.69

Sistema Price com carncia e juros pagos

Valor do Emprstimo
Prazo de Amortizao
Prazo de Carncia
Taxa de Nominal de Juros
Taxa Mensal de Juros
n
Saldo Devedor
0
R$
150,000.00
1
R$
150,000.00
2
R$
150,000.00
3
R$
150,000.00
4
R$
125,921.22
5
R$
101,481.25
6
R$
76,674.69
7
R$
51,496.03
8
R$
25,939.69
9
R$
TOTAL

R$

Amortizao
-

R$ 24,078.78
R$ 24,439.96
R$ 24,806.56
R$ 25,178.66
R$ 25,556.34
R$ 25,939.69
R$ 150,000.00

R$
R$
R$
R$
R$
R$
R$
R$
R$
R$

150,000.00
6
3
18.00%
1.50%
Juros
2,250.00
2,250.00
2,250.00
2,250.00
1,888.82
1,522.22
1,150.12
772.44
389.10
14,722.69

meses
meses
ao ano
ao ms
Prestao
R$
2,250.00
R$
2,250.00
R$
2,250.00
R$ 26,328.78
R$ 26,328.78
R$ 26,328.78
R$ 26,328.78
R$ 26,328.78
R$ 26,328.78
R$
164,722.69

Sistema Price com carncia e juros capitalizados

Valor do Emprstimo
Prazo de Amortizao
Prazo de Carncia
Taxa de Nominal de Juros
Taxa Mensal de Juros
n
Saldo Devedor
0
1
2
3
4
5
6
7
8
9
TOTAL

R$

Amortizao

150,000.00
6
3
18.00%
1.50%
Juros

meses
meses
ao ano
ao ms
Prestao

Sistema SAC - Hamburgus sem carncia e sem correo

Valor do Emprstimo
Prazo de Amortizao
Prazo de Carncia
Taxa de Nominal de Juros
Taxa Mensal de Juros
n
Saldo Devedor
0 R$
150,000.00
1 R$
125,000.00
2 R$
100,000.00
3 R$
75,000.00
4 R$
50,000.00
5 R$
25,000.00
6 R$
TOTAL

R$

Amortizao
R$ 25,000.00
R$ 25,000.00
R$ 25,000.00
R$ 25,000.00
R$ 25,000.00
R$ 25,000.00
R$ 150,000.00

R$
R$
R$
R$
R$
R$
R$

150,000.00
6
18.00%
1.50%
Juros
2,250.00
1,875.00
1,500.00
1,125.00
750.00
375.00
7,875.00

meses
meses
ao ano
ao ms
Prestao
R$
R$
R$
R$
R$
R$
R$

27,250.00
26,875.00
26,500.00
26,125.00
25,750.00
25,375.00
157,875.00

Sistema SAC- Hamburgus com carncia e juros pagos

Valor do Emprstimo
Prazo de Amortizao
Prazo de Carncia
Taxa de Nominal de Juros
Taxa Mensal de Juros
n
Saldo Devedor
0
1
2
3
4
5
6
7
8
9
TOTAL

R$

Amortizao

150,000.00
6
3
18.00%
1.50%
Juros

meses
meses
ao ano
ao ms
Prestao

Sistema SAC - Hamburgus com carncia e juros capitalizados

Valor do Emprstimo
Prazo de Amortizao
Prazo de Carncia
Taxa de Nominal de Juros
Taxa Mensal de Juros
n
Saldo Devedor
0
1
2
3
4
5
6
7
8
9
TOTAL

R$

Amortizao

150,000.00
6
3
18.00%
1.50%
Juros

meses
meses
ao ano
ao ms
Prestao

Sries de Pagamento
Price - Prestaes Iguais
Valor Presente
Carncia (m+1)
Taxa ao perodo (%)
Nmero de Pagamentos
Perodo
N
1
2
3
4
5
6

Saldo
Inicial
150,000.00
125,921.22
101,481.25
76,674.69
51,496.03
25,939.69

150,000.00
1
1.50%
6
Pagamento
Juros
Amortizao
(2,250.00)
(24,078.78)
(1,888.82)
(24,439.96)
(1,522.22)
(24,806.56)
(1,150.12)
(25,178.66)
(772.44)
(25,556.34)
(389.10)
(25,939.69)

Prestao
(26,328.78)
(26,328.78)
(26,328.78)
(26,328.78)
(26,328.78)
(26,328.78)

Saldo
Devedor
125,921.22
101,481.25
76,674.69
51,496.03
25,939.69
-

N mximo

0 = Antecipada
1 = Postecipada

Uma empresa contraiu um emprstimo de R$ 50.000,00 para ser amortizado, atravs

do sistema dePrestao constante, em 30 prestaes mensais iguais. Sendo a taxa
de juros contratada de 1% ao ms, construa a planilha.

a ser amortizado, atravs

is iguais. Sendo a taxa

Sries de Pagamento
SAC - Amortizaes Constantes
Valor Presente
Carncia (m+1)
Taxa ao perodo (%)
Nmero de Pagamentos
Perodo
N
1
2
3
4
5
6

Saldo
Inicial
150,000.00
125,000.00
100,000.00
75,000.00
50,000.00
25,000.00

150,000.00
1
2%
6
Pagamento
Juros
Amortizao
(2,250.00)
(25,000.00)
(1,875.00)
(25,000.00)
(1,500.00)
(25,000.00)
(1,125.00)
(25,000.00)
(750.00)
(25,000.00)
(375.00)
(25,000.00)

Prestao
(27,250.00)
(26,875.00)
(26,500.00)
(26,125.00)
(25,750.00)
(25,375.00)

N mximo

amento

Constantes
0 = Antecipada
1 = Postecipada

Saldo
Devedor
125,000.00
100,000.00
75,000.00
50,000.00
25,000.00
-

Uma empresa contraiu um emprstimo de R$ 50.000,00 para ser amortizado, atravs

do sistema de amortizao constante, em 36 prestaes mensais. Sendo a taxa de
juros contratada de 1% ao ms, construa a planilha.

0.000,00 para ser amortizado, atravs

estaes mensais. Sendo a taxa de

Sistema Financeiro de Habitao - SFH - Sistema PRICE

Valor do Emprstimo
Prazo de Amortizao
Taxa de Juros
n
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

Data
4/10/2006
5/10/2006
6/10/2006
7/10/2006
8/10/2006
9/10/2006
10/10/2006
11/10/2006
12/10/2006
1/10/2007
2/10/2007
3/10/2007
4/10/2007
5/10/2007
6/10/2007
7/10/2007
8/10/2007
9/10/2007
10/10/2007
11/10/2007
12/10/2007
1/10/2008
2/10/2008
3/10/2008
4/10/2008
5/10/2008
6/10/2008
7/10/2008
8/10/2008
9/10/2008
10/10/2008
11/10/2008
12/10/2008
1/10/2009
2/10/2009
3/10/2009
4/10/2009

Saldo Dev.
50,000.00
49,068.71
48,142.16
47,230.44
46,218.96
45,231.06
44,428.87
43,514.71
42,615.87
41,603.54
40,707.54
39,931.40
38,915.69
37,699.39
36,362.83
35,002.28
33,624.52
32,221.07
30,785.09
29,323.17
27,873.29
26,380.63
24,874.57
23,347.74
21,780.00
20,117.49
18,427.02
16,704.96
14,971.05
13,201.33
11,415.76
9,608.59
7,779.17
5,932.59
4,058.99
2,171.52
261.50

50,000.00
36 meses
1% ao ms
Amort.
1,158.44
1,167.62
1,176.64
1,186.66
1,196.44
1,204.38
1,213.43
1,222.33
1,232.36
1,241.23
1,248.91
1,258.97
1,440.50
1,453.73
1,467.20
1,480.84
1,494.74
1,508.96
1,523.43
1,537.79
1,552.56
1,567.48
1,582.59
1,598.12
1,716.78
1,733.52
1,750.57
1,767.74
1,785.26
1,802.94
1,820.83
1,838.95
1,857.23
1,875.78
1,894.47
1,913.38

Juros
502.27
493.10
484.07
474.06
464.28
456.33
447.28
438.38
428.36
419.49
411.80
401.75
391.40
378.17
364.69
351.05
337.16
322.94
308.47
294.11
279.33
264.42
249.30
233.78
218.34
201.61
184.56
167.39
149.87
132.19
114.29
96.18
77.90
59.35
40.66
21.75

Correo
227.15
241.07
264.93
175.18
208.54
402.19
299.27
323.49
220.03
345.23
472.78
243.26
224.19
117.17
106.65
103.08
91.29
72.98
61.51
87.91
59.90
61.41
55.77
30.38
54.28
43.05
28.51
33.83
15.54
17.37
13.66
9.52
10.65
2.18
7.00
3.36

Prestao
1,660.72
1,660.72
1,660.72
1,660.72
1,660.72
1,660.72
1,660.72
1,660.72
1,660.72
1,660.72
1,660.72
1,660.72
1,831.90
1,831.90
1,831.90
1,831.90
1,831.90
1,831.90
1,831.90
1,831.90
1,831.90
1,831.90
1,831.90
1,831.90
1,935.13
1,935.13
1,935.13
1,935.13
1,935.13
1,935.13
1,935.13
1,935.13
1,935.13
1,935.13
1,935.13
1,935.13

% TR
0.4543%
0.4913%
0.5503%
0.3709%
0.4512%
0.8892%
0.6736%
0.7434%
0.5163%
0.8298%
1.1614%
0.6092%
0.5761%
0.3108%
0.2933%
0.2945%
0.2715%
0.2265%
0.1998%
0.2998%
0.2149%
0.2328%
0.2242%
0.1301%
0.2492%
0.2140%
0.1547%
0.2025%
0.1038%
0.1316%
0.1197%
0.0991%
0.1369%
0.0368%
0.1724%
0.1546%

FAT - FUNDO DE AMPARO AO TRABALHADOR - SISTEMA SAC

Valor Emprstimo
50,000.00
N. Parcelas
36
Taxa Anual de Juros
4.00%
Taxa Equivalente Mensal 0.327%
n
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
TIR

Prestao
(50,000.00)
2,016.34
2,000.68
1,985.02
1,960.58
1,945.18
1,929.79
1,906.39
1,891.27
1,876.14
1,861.02
1,845.89
1,830.77
1,815.64
1,800.52
1,785.39
1,770.27
1,755.14
1,740.02
1,724.89
1,709.77
1,694.64
1,679.52
1,664.39
1,649.27
1,634.14
1,619.02
1,603.89
1,588.77
1,573.64
1,558.52
1,543.39
1,528.26
1,513.14
1,498.01
1,482.89
1,467.76
1.329%

TJLP
398.71
387.63
376.56
356.72
345.91
335.10
316.31
305.77
295.23
284.68
274.14
263.59
253.05
242.51
231.96
221.42
210.88
200.33
189.79
179.24
168.70
158.16
147.61
137.07
126.53
115.98
105.44
94.89
84.35
73.81
63.26
52.72
42.18
31.63
21.09
10.54

Juros
164.99
160.41
155.83
151.21
146.63
142.05
137.44
132.86
128.28
123.70
119.12
114.53
109.95
105.37
100.79
96.21
91.63
87.05
82.46
77.88
73.30
68.72
64.14
59.56
54.98
50.40
45.81
41.23
36.65
32.07
27.49
22.91
18.33
13.74
9.16
4.58

Seguro
63.75
63.75
63.75
63.75
63.75
63.75
63.75
63.75
63.75
63.75
63.75
63.75
63.75
63.75
63.75
63.75
63.75
63.75
63.75
63.75
63.75
63.75
63.75
63.75
63.75
63.75
63.75
63.75
63.75
63.75
63.75
63.75
63.75
63.75
63.75
63.75

Amort.
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89
1,388.89

Saldo
TJLP ANO TJLP MS
50,000.00
48,611.11
10.00%
0.797%
47,222.22
10.00%
0.797%
45,833.33
10.00%
0.797%
44,444.44
9.75%
0.778%
43,055.56
9.75%
0.778%
41,666.67
9.75%
0.778%
40,277.78
9.50%
0.759%
38,888.89
9.50%
0.759%
37,500.00
9.50%
0.759%
36,111.11
9.50%
0.759%
34,722.22
9.50%
0.759%
33,333.33
9.50%
0.759%
31,944.44
9.50%
0.759%
30,555.56
9.50%
0.759%
29,166.67
9.50%
0.759%
27,777.78
9.50%
0.759%
26,388.89
9.50%
0.759%
25,000.00
9.50%
0.759%
23,611.11
9.50%
0.759%
22,222.22
9.50%
0.759%
20,833.33
9.50%
0.759%
19,444.44
9.50%
0.759%
18,055.56
9.50%
0.759%
16,666.67
9.50%
0.759%
15,277.78
9.50%
0.759%
13,888.89
9.50%
0.759%
12,500.00
9.50%
0.759%
11,111.11
9.50%
0.759%
9,722.22
9.50%
0.759%
8,333.33
9.50%
0.759%
6,944.44
9.50%
0.759%
5,555.56
9.50%
0.759%
4,166.67
9.50%
0.759%
2,777.78
9.50%
0.759%
1,388.89
9.50%
0.759%
(0.00)
9.50%
0.759%

RENEGOCIAO DE DVIDA
TAXA DE JUROS:
VALOR RENEG.:
PRIMEIRO ANO:
SEGUNDO ANO:
TERCEIRO ANO:

Nr. Per.
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
38
39
40
41

1.0% ao ms
150,000.00
CONDIES DE AMORTIZAO:
5.0% QUARTO ANO:
10.0% QUINTO ANO:

20.0%
50.0%
15.0% TOTAL:
100.0%
PLANILHA DE AMORTIZAO DA DVIDA - RENEGOCIAO - VALOR ORIGINAL
JUROS PAGOS
AMORTIZAO
Vlr Parcela
Juros Capital.
6.25
12.56
18.94
25.38
31.88
38.45
45.08
51.79
58.55
65.39
72.29
79.27
172.62
186.84
201.21
215.72
230.38
245.18
260.14
275.24
290.49
305.89
321.45
337.17
529.56
553.61
577.89
602.42
627.19
652.22
677.49
703.01
728.79
754.83
781.13
807.69
1,112.69
1,148.82
1,185.31
1,222.16
1,259.38

625.00
625.00
625.00
625.00
625.00
625.00
625.00
625.00
625.00
625.00
625.00
625.00
1,250.00
1,250.00
1,250.00
1,250.00
1,250.00
1,250.00
1,250.00
1,250.00
1,250.00
1,250.00
1,250.00
1,250.00
1,875.00
1,875.00
1,875.00
1,875.00
1,875.00
1,875.00
1,875.00
1,875.00
1,875.00
1,875.00
1,875.00
1,875.00
2,500.00
2,500.00
2,500.00
2,500.00
2,500.00

631.25
637.56
643.94
650.38
656.88
663.45
670.08
676.79
683.55
690.39
697.29
704.27
1,422.62
1,436.84
1,451.21
1,465.72
1,480.38
1,495.18
1,510.14
1,525.24
1,540.49
1,555.89
1,571.45
1,587.17
2,404.56
2,428.61
2,452.89
2,477.42
2,502.19
2,527.22
2,552.49
2,578.01
2,603.79
2,629.83
2,656.13
2,682.69
3,612.69
3,648.82
3,685.31
3,722.16
3,759.38

1,500.00
1,508.69
1,517.40
1,526.13
1,534.89
1,543.67
1,552.47
1,561.30
1,570.14
1,579.01
1,587.89
1,596.80
1,605.73
1,607.56
1,609.26
1,610.84
1,612.30
1,613.61
1,614.80
1,615.85
1,616.75
1,617.51
1,618.13
1,618.60
1,618.91
1,611.06
1,602.88
1,594.38
1,585.55
1,576.38
1,566.87
1,557.02
1,546.81
1,536.24
1,525.30
1,513.99
1,502.31
1,481.20
1,459.53
1,437.27
1,414.42

42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60

1,296.97
1,334.94
1,373.29
1,412.03
1,451.15
1,490.66
1,530.57
3,927.18
4,028.95
4,131.74
4,235.56
4,340.41
4,446.32
4,553.28
4,661.31
4,770.42
4,880.63
4,991.94
5,104.35
81,434.05

2,500.00
2,500.00
2,500.00
2,500.00
2,500.00
2,500.00
2,500.00
6,250.00
6,250.00
6,250.00
6,250.00
6,250.00
6,250.00
6,250.00
6,250.00
6,250.00
6,250.00
6,250.00
6,250.00
150,000.00

3,796.97
3,834.94
3,873.29
3,912.03
3,951.15
3,990.66
4,030.57
10,177.18
10,278.95
10,381.74
10,485.56
10,590.41
10,696.32
10,803.28
10,911.31
11,020.42
11,130.63
11,241.94
11,354.35
231,434.05

1,390.97
1,366.91
1,342.23
1,316.92
1,290.97
1,264.37
1,237.10
1,209.17
1,119.49
1,027.89
934.36
838.84
741.33
641.78
540.16
436.45
330.61
222.61
112.42
81,434.05

LOR ORIGINAL
SALDO DEVEDOR
150,000.00
150,868.75
151,739.88
152,613.34
153,489.09
154,367.10
155,247.32
156,129.71
157,014.22
157,900.81
158,789.43
159,680.03
160,572.57
160,755.68
160,926.39
161,084.44
161,229.56
161,361.48
161,479.91
161,584.57
161,675.18
161,751.44
161,813.06
161,859.74
161,891.17
161,105.52
160,287.97
159,437.96
158,554.92
157,638.27
156,687.44
155,701.82
154,680.83
153,623.84
152,530.25
151,399.42
150,230.72
148,120.34
145,952.72
143,726.94
141,442.05
139,097.09

136,691.09
134,223.06
131,691.99
129,096.89
126,436.71
123,710.42
120,916.96
111,948.95
102,789.49
93,435.65
83,884.45
74,132.88
64,177.89
54,016.39
43,645.25
33,061.27
22,261.26
11,241.94
(0.00)