Price Vs. SALU

R$ 120.000,00 / 3% a.m. / 24 meses

Cálculo: SFA (Tabela Price) - Demonstração Convencional          
                     
  Prestação Valor Amortizado Juros s/ Saldo Anterior Taxa de Juros s/ Saldo Anterior Saldo a Amortizar Total Amortizado Total Pago de Juros    
          120.000,00          
1 7.085,69 3.485,69 3.600,00 3,00% 116.514,31 3.485,69 3.600,00      
2 7.085,69 3.590,26 3.495,43 3,00% 112.924,05 7.075,95 7.095,43      
3 7.085,69 3.697,97 3.387,72 3,00% 109.226,08 10.773,92 10.483,15      
4 7.085,69 3.808,91 3.276,78 3,00% 105.417,17 14.582,83 13.759,93      
5 7.085,69 3.923,17 3.162,52 3,00% 101.494,00 18.506,00 16.922,45      
6 7.085,69 4.040,87 3.044,82 3,00% 97.453,13 22.546,87 19.967,27      
7 7.085,69 4.162,10 2.923,59 3,00% 93.291,03 26.708,97 22.890,86      
8 7.085,69 4.286,96 2.798,73 3,00% 89.004,07 30.995,93 25.689,59      
9 7.085,69 4.415,57 2.670,12 3,00% 84.588,51 35.411,49 28.359,72      
10 7.085,69 4.548,03 2.537,66 3,00% 80.040,47 39.959,53 30.897,37      
11 7.085,69 4.684,48 2.401,21 3,00% 75.356,00 44.644,00 33.298,58      
12 7.085,69 4.825,01 2.260,68 3,00% 70.530,99 49.469,01 35.559,26      
13 7.085,69 4.969,76 2.115,93 3,00% 65.561,23 54.438,77 37.675,19      
14 7.085,69 5.118,85 1.966,84 3,00% 60.442,37 59.557,63 39.642,03      
15 7.085,69 5.272,42 1.813,27 3,00% 55.169,95 64.830,05 41.455,30      
16 7.085,69 5.430,59 1.655,10 3,00% 49.739,36 70.260,64 43.110,40      
17 7.085,69 5.593,51 1.492,18 3,00% 44.145,85 75.854,15 44.602,58      
18 7.085,69 5.761,31 1.324,38 3,00% 38.384,54 81.615,46 45.926,96      
19 7.085,69 5.934,15 1.151,54 3,00% 32.450,39 87.549,61 47.078,49      
20 7.085,69 6.112,18 973,51 3,00% 26.338,21 93.661,79 48.052,00      
21 7.085,69 6.295,54 790,15 3,00% 20.042,66 99.957,34 48.842,15      
22 7.085,69 6.484,41 601,28 3,00% 13.558,25 106.441,75 49.443,43      
23 7.085,69 6.678,94 406,75 3,00% 6.879,31 113.120,69 49.850,18      
24 7.085,69 6.879,31 206,38 3,00% 0,00 120.000,00 50.056,56      
Totais 170.056,56 120.000,00 50.056,56 41,71%            
                     
Cálculo: SFA (Tabela Price) - Demonstração Real:            
                     
n Prestação Valor Amortizado Juros s/ Valor Amortizado Taxa de Juros s/ Valor Amortizado Saldo a Amortizar Total Amortizado Total Pago de Juros Saldo do Débito Principal Juros s/ Saldo Saldo a Pagar
      Valor Inicial ===> 120.000,00          
1 7.085,69 6.879,31 206,38 3,00% 113.120,69 6.879,31 206,38 113.120,69 3.393,62 116.514,31
2 7.085,69 6.678,94 406,75 6,09% 106.441,75 13.558,25 406,75 106.441,75 6.482,30 112.924,05
3 7.085,69 6.484,41 601,28 9,27% 99.957,34 20.042,66 601,28 99.957,34 9.268,74 109.226,08
4 7.085,69 6.295,54 790,15 12,55% 93.661,79 26.338,21 790,15 93.661,79 11.755,38 105.417,17
5 7.085,69 6.112,18 973,51 15,93% 87.549,61 32.450,39 973,51 87.549,61 13.944,38 101.494,00
6 7.085,69 5.934,15 1.151,54 19,41% 81.615,46 38.384,54 1.151,54 81.615,46 15.837,67 97.453,13
7 7.085,69 5.761,31 1.324,38 22,99% 75.854,15 44.145,85 1.324,38 75.854,15 17.436,89 93.291,03
8 7.085,69 5.593,51 1.492,18 26,68% 70.260,64 49.739,36 1.492,18 70.260,64 18.743,44 89.004,07
9 7.085,69 5.430,59 1.655,10 30,48% 64.830,05 55.169,95 1.655,10 64.830,05 19.758,46 84.588,51
10 7.085,69 5.272,42 1.813,27 34,39% 59.557,63 60.442,37 1.813,27 59.557,63 20.482,84 80.040,47
11 7.085,69 5.118,85 1.966,84 38,42% 54.438,77 65.561,23 1.966,84 54.438,77 20.917,22 75.356,00
12 7.085,69 4.969,76 2.115,93 42,58% 49.469,01 70.530,99 2.115,93 49.469,01 21.061,97 70.530,99
13 7.085,69 4.825,01 2.260,68 46,85% 44.644,00 75.356,00 2.260,68 44.644,00 20.917,22 65.561,23
14 7.085,69 4.684,48 2.401,21 51,26% 39.959,53 80.040,47 2.401,21 39.959,53 20.482,84 60.442,37
15 7.085,69 4.548,03 2.537,66 55,80% 35.411,49 84.588,51 2.537,66 35.411,49 19.758,46 55.169,95
16 7.085,69 4.415,57 2.670,12 60,47% 30.995,93 89.004,07 2.670,12 30.995,93 18.743,44 49.739,36
17 7.085,69 4.286,96 2.798,73 65,28% 26.708,97 93.291,03 2.798,73 26.708,97 17.436,89 44.145,85
18 7.085,69 4.162,10 2.923,59 70,24% 22.546,87 97.453,13 2.923,59 22.546,87 15.837,67 38.384,54
19 7.085,69 4.040,87 3.044,82 75,35% 18.506,00 101.494,00 3.044,82 18.506,00 13.944,38 32.450,39
20 7.085,69 3.923,17 3.162,52 80,61% 14.582,83 105.417,17 3.162,52 14.582,83 11.755,38 26.338,21
21 7.085,69 3.808,91 3.276,78 86,03% 10.773,92 109.226,08 3.276,78 10.773,92 9.268,74 20.042,66
22 7.085,69 3.697,97 3.387,72 91,61% 7.075,95 112.924,05 3.387,72 7.075,95 6.482,30 13.558,25
23 7.085,69 3.590,26 3.495,43 97,36% 3.485,69 116.514,31 3.495,43 3.485,69 3.393,62 6.879,31
24 7.085,69 3.485,69 3.600,00 103,28% 0,00 120.000,00 3.600,00 0,00 0,00 0,00
Totais 170.056,56 120.000,00 50.056,56 41,71%            
                     
Cálculo: SALU - Sistema de Amortização Linearmente Uniforme          
                     
n Prestação Valor Amortizado Juros s/ Valor Amortizado Taxa de Juros s/ Valor Amortizado Saldo a Amortizar Total Amortizado Total Pago de Juros Saldo do Débito Principal Juros s/ Saldo Saldo a Pagar SALU
1 2 3 4 5 6 7 8 9 10 11
      Valor Inicial ===> 120.000,00          
1 6.715,23 6.519,64 195,59 3,00% 113.480,36 6.519,64 195,59 113.480,36 3.404,41 116.884,77
2 6.715,23 6.335,12 380,11 6,00% 107.145,24 12.854,76 575,70 107.145,24 6.428,71 113.573,95
3 6.715,23 6.160,76 554,47 9,00% 100.984,48 19.015,52 1.130,17 100.984,48 9.088,60 110.073,08
4 6.715,23 5.995,74 719,49 12,00% 94.988,74 25.011,26 1.849,65 94.988,74 11.398,65 106.387,38
5 6.715,23 5.839,33 875,90 15,00% 89.149,41 30.850,59 2.725,55 89.149,41 13.372,41 102.521,82
6 6.715,23 5.690,87 1.024,36 18,00% 83.458,53 36.541,47 3.749,91 83.458,53 15.022,54 98.481,07
7 6.715,23 5.549,78 1.165,45 21,00% 77.908,76 42.091,24 4.915,36 77.908,76 16.360,84 94.269,60
8 6.715,23 5.415,51 1.299,72 24,00% 72.493,25 47.506,75 6.215,09 72.493,25 17.398,38 89.891,63
9 6.715,23 5.287,58 1.427,65 27,00% 67.205,67 52.794,33 7.642,73 67.205,67 18.145,53 85.351,20
10 6.715,23 5.165,56 1.549,67 30,00% 62.040,11 57.959,89 9.192,40 62.040,11 18.612,03 80.652,14
11 6.715,23 5.049,04 1.666,18 33,00% 56.991,06 63.008,94 10.858,59 56.991,06 18.807,05 75.798,11
12 6.715,23 4.937,67 1.777,56 36,00% 52.053,39 67.946,61 12.636,15 52.053,39 18.739,22 70.792,61
13 6.715,23 4.831,10 1.884,13 39,00% 47.222,29 72.777,71 14.520,28 47.222,29 18.416,69 65.638,99
14 6.715,23 4.729,03 1.986,19 42,00% 42.493,26 77.506,74 16.506,47 42.493,26 17.847,17 60.340,43
15 6.715,23 4.631,19 2.084,04 45,00% 37.862,07 82.137,93 18.590,51 37.862,07 17.037,93 54.899,99
16 6.715,23 4.537,32 2.177,91 48,00% 33.324,75 86.675,25 20.768,42 33.324,75 15.995,88 49.320,63
17 6.715,23 4.447,17 2.268,06 51,00% 28.877,58 91.122,42 23.036,48 28.877,58 14.727,56 43.605,14
18 6.715,23 4.360,54 2.354,69 54,00% 24.517,04 95.482,96 25.391,17 24.517,04 13.239,20 37.756,24
19 6.715,23 4.277,22 2.438,01 57,00% 20.239,82 99.760,18 27.829,18 20.239,82 11.536,70 31.776,52
20 6.715,23 4.197,02 2.518,21 60,00% 16.042,80 103.957,20 30.347,39 16.042,80 9.625,68 25.668,49
21 6.715,23 4.119,77 2.595,46 63,00% 11.923,03 108.076,97 32.942,85 11.923,03 7.511,51 19.434,54
22 6.715,23 4.045,32 2.669,91 66,00% 7.877,71 112.122,29 35.612,76 7.877,71 5.199,29 13.077,00
23 6.715,23 3.973,51 2.741,72 69,00% 3.904,20 116.095,80 38.354,48 3.904,20 2.693,90 6.598,10
24 6.715,23 3.904,20 2.811,03 72,00% (0,00) 120.000,00 41.165,51 (0,00) (0,00) (0,00)
Totais 161.165,51 120.000,00 41.165,51 34,30            
                     
                     
                     
                     
  Comparação: SALU Vs. Price              
                     
  Saldo a Pagar SALU Saldo a Pagar Price Diferença (12-11) Total Pago em SALU Total Pago em Price Diferença (15 - 14) Economia Absoluta em SALU (16 - 12)    
  11 12 13 14 15 16 17      
                     
1 116.884,77 116.514,31 370,46 6.715,23 7.085,69 370,46 (0,00)      
2 113.573,95 112.924,05 649,90 13.430,46 14.171,38 740,92 91,02      
3 110.073,08 109.226,08 847,00 20.145,69 21.257,07 1.111,38 264,38      
4 106.387,38 105.417,17 970,21 26.860,92 28.342,76 1.481,84 511,63      
5 102.521,82 101.494,00 1.027,82 33.576,15 35.428,45 1.852,30 824,48      
6 98.481,07 97.453,13 1.027,94 40.291,38 42.514,14 2.222,76 1.194,82      
7 94.269,60 93.291,03 978,56 47.006,61 49.599,83 2.593,22 1.614,66      
8 89.891,63 89.004,07 887,56 53.721,84 56.685,52 2.963,68 2.076,13      
9 85.351,20 84.588,51 762,69 60.437,06 63.771,21 3.334,14 2.571,45      
10 80.652,14 80.040,47 611,67 67.152,29 70.856,90 3.704,60 3.092,94      
11 75.798,11 75.356,00 442,12 73.867,52 77.942,59 4.075,07 3.632,95      
12 70.792,61 70.530,99 261,63 80.582,75 85.028,28 4.445,53 4.183,90      
13 65.638,99 65.561,23 77,76 87.297,98 92.113,97 4.815,99 4.738,22      
14 60.340,43 60.442,37 (101,95) 94.013,21 99.199,66 5.186,45 5.288,39      
15 54.899,99 55.169,95 (269,96) 100.728,44 106.285,35 5.556,91 5.826,87      
16 49.320,63 49.739,36 (418,73) 107.443,67 113.371,04 5.927,37 6.346,10      
17 43.605,14 44.145,85 (540,71) 114.158,90 120.456,73 6.297,83 6.838,54      
18 37.756,24 38.384,54 (628,30) 120.874,13 127.542,42 6.668,29 7.296,59      
19 31.776,52 32.450,39 (673,87) 127.589,36 134.628,11 7.038,75 7.712,61      
20 25.668,49 26.338,21 (669,72) 134.304,59 141.713,80 7.409,21 8.078,93      
21 19.434,54 20.042,66 (608,12) 141.019,82 148.799,49 7.779,67 8.387,79      
22 13.077,00 13.558,25 (481,25) 147.735,05 155.885,18 8.150,13 8.631,38      
23 6.598,10 6.879,31 (281,21) 154.450,28 162.970,87 8.520,59 8.801,80      
24 (0,00) 0,00 (0,00) 161.165,51 170.056,56 8.891,05 8.891,05      
This file was created by LEDinardi on 02/07/2003.
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