Price Vs. SALU

R$ 120.000,00 / 6% 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 9.561,48 2.361,48 7.200,00 6,00% 117.638,52 2.361,48 7.200,00      
2 9.561,48 2.503,17 7.058,31 6,00% 115.135,35 4.864,65 14.258,31      
3 9.561,48 2.653,36 6.908,12 6,00% 112.481,99 7.518,01 21.166,43      
4 9.561,48 2.812,56 6.748,92 6,00% 109.669,43 10.330,57 27.915,35      
5 9.561,48 2.981,31 6.580,17 6,00% 106.688,11 13.311,89 34.495,52      
6 9.561,48 3.160,19 6.401,29 6,00% 103.527,92 16.472,08 40.896,80      
7 9.561,48 3.349,81 6.211,68 6,00% 100.178,12 19.821,88 47.108,48      
8 9.561,48 3.550,79 6.010,69 6,00% 96.627,32 23.372,68 53.119,17      
9 9.561,48 3.763,84 5.797,64 6,00% 92.863,48 27.136,52 58.916,81      
10 9.561,48 3.989,67 5.571,81 6,00% 88.873,81 31.126,19 64.488,61      
11 9.561,48 4.229,05 5.332,43 6,00% 84.644,76 35.355,24 69.821,04      
12 9.561,48 4.482,80 5.078,69 6,00% 80.161,96 39.838,04 74.899,73      
13 9.561,48 4.751,76 4.809,72 6,00% 75.410,20 44.589,80 79.709,45      
14 9.561,48 5.036,87 4.524,61 6,00% 70.373,33 49.626,67 84.234,06      
15 9.561,48 5.339,08 4.222,40 6,00% 65.034,25 54.965,75 88.456,46      
16 9.561,48 5.659,43 3.902,05 6,00% 59.374,82 60.625,18 92.358,51      
17 9.561,48 5.998,99 3.562,49 6,00% 53.375,83 66.624,17 95.921,00      
18 9.561,48 6.358,93 3.202,55 6,00% 47.016,90 72.983,10 99.123,55      
19 9.561,48 6.740,47 2.821,01 6,00% 40.276,43 79.723,57 101.944,57      
20 9.561,48 7.144,89 2.416,59 6,00% 33.131,54 86.868,46 104.361,15      
21 9.561,48 7.573,59 1.987,89 6,00% 25.557,95 94.442,05 106.349,04      
22 9.561,48 8.028,00 1.533,48 6,00% 17.529,95 102.470,05 107.882,52      
23 9.561,48 8.509,68 1.051,80 6,00% 9.020,26 110.979,74 108.934,32      
24 9.561,48 9.020,26 541,22 6,00% (0,00) 120.000,00 109.475,53      
Totais 229.475,53 120.000,00 109.475,53 91,23%            
                     
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 9.561,48 9.020,26 541,22 6,00% 110.979,74 9.020,26 541,22 110.979,74 6.658,78 117.638,52
2 9.561,48 8.509,68 1.051,80 12,36% 102.470,05 17.529,95 1.051,80 102.470,05 12.665,30 115.135,35
3 9.561,48 8.028,00 1.533,48 19,10% 94.442,05 25.557,95 1.533,48 94.442,05 18.039,94 112.481,99
4 9.561,48 7.573,59 1.987,89 26,25% 86.868,46 33.131,54 1.987,89 86.868,46 22.800,97 109.669,43
5 9.561,48 7.144,89 2.416,59 33,82% 79.723,57 40.276,43 2.416,59 79.723,57 26.964,55 106.688,11
6 9.561,48 6.740,47 2.821,01 41,85% 72.983,10 47.016,90 2.821,01 72.983,10 30.544,82 103.527,92
7 9.561,48 6.358,93 3.202,55 50,36% 66.624,17 53.375,83 3.202,55 66.624,17 33.553,95 100.178,12
8 9.561,48 5.998,99 3.562,49 59,38% 60.625,18 59.374,82 3.562,49 60.625,18 36.002,14 96.627,32
9 9.561,48 5.659,43 3.902,05 68,95% 54.965,75 65.034,25 3.902,05 54.965,75 37.897,73 92.863,48
10 9.561,48 5.339,08 4.222,40 79,08% 49.626,67 70.373,33 4.222,40 49.626,67 39.247,14 88.873,81
11 9.561,48 5.036,87 4.524,61 89,83% 44.589,80 75.410,20 4.524,61 44.589,80 40.054,95 84.644,76
12 9.561,48 4.751,76 4.809,72 101,22% 39.838,04 80.161,96 4.809,72 39.838,04 40.323,92 80.161,96
13 9.561,48 4.482,80 5.078,69 113,29% 35.355,24 84.644,76 5.078,69 35.355,24 40.054,95 75.410,20
14 9.561,48 4.229,05 5.332,43 126,09% 31.126,19 88.873,81 5.332,43 31.126,19 39.247,14 70.373,33
15 9.561,48 3.989,67 5.571,81 139,66% 27.136,52 92.863,48 5.571,81 27.136,52 37.897,73 65.034,25
16 9.561,48 3.763,84 5.797,64 154,04% 23.372,68 96.627,32 5.797,64 23.372,68 36.002,14 59.374,82
17 9.561,48 3.550,79 6.010,69 169,28% 19.821,88 100.178,12 6.010,69 19.821,88 33.553,95 53.375,83
18 9.561,48 3.349,81 6.211,68 185,43% 16.472,08 103.527,92 6.211,68 16.472,08 30.544,82 47.016,90
19 9.561,48 3.160,19 6.401,29 202,56% 13.311,89 106.688,11 6.401,29 13.311,89 26.964,55 40.276,43
20 9.561,48 2.981,31 6.580,17 220,71% 10.330,57 109.669,43 6.580,17 10.330,57 22.800,97 33.131,54
21 9.561,48 2.812,56 6.748,92 239,96% 7.518,01 112.481,99 6.748,92 7.518,01 18.039,94 25.557,95
22 9.561,48 2.653,36 6.908,12 260,35% 4.864,65 115.135,35 6.908,12 4.864,65 12.665,30 17.529,95
23 9.561,48 2.503,17 7.058,31 281,97% 2.361,48 117.638,52 7.058,31 2.361,48 6.658,78 9.020,26
24 9.561,48 2.361,48 7.200,00 304,89% (0,00) 120.000,00 7.200,00 (0,00) (0,00) (0,00)
Totais 229.475,53 120.000,00 109.475,53 91,23%            
                     
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 8.232,87 7.766,86 466,01 6,00% 112.233,14 7.766,86 466,01 112.233,14 6.733,99 118.967,13
2 8.232,87 7.350,78 882,09 12,00% 104.882,36 15.117,64 1.348,11 104.882,36 12.585,88 117.468,24
3 8.232,87 6.977,01 1.255,86 18,00% 97.905,34 22.094,66 2.603,97 97.905,34 17.622,96 115.528,31
4 8.232,87 6.639,42 1.593,46 24,00% 91.265,93 28.734,07 4.197,43 91.265,93 21.903,82 113.169,75
5 8.232,87 6.332,98 1.899,89 30,00% 84.932,95 35.067,05 6.097,32 84.932,95 25.479,88 110.412,83
6 8.232,87 6.053,58 2.179,29 36,00% 78.879,36 41.120,64 8.276,61 78.879,36 28.396,57 107.275,93
7 8.232,87 5.797,80 2.435,08 42,00% 73.081,56 46.918,44 10.711,69 73.081,56 30.694,26 103.775,82
8 8.232,87 5.562,75 2.670,12 48,00% 67.518,81 52.481,19 13.381,81 67.518,81 32.409,03 99.927,84
9 8.232,87 5.346,02 2.886,85 54,00% 62.172,79 57.827,21 16.268,66 62.172,79 33.573,31 95.746,09
10 8.232,87 5.145,55 3.087,33 60,00% 57.027,24 62.972,76 19.355,99 57.027,24 34.216,34 91.243,59
11 8.232,87 4.959,56 3.273,31 66,00% 52.067,68 67.932,32 22.629,30 52.067,68 34.364,67 86.432,35
12 8.232,87 4.786,56 3.446,32 72,00% 47.281,12 72.718,88 26.075,62 47.281,12 34.042,41 81.323,53
13 8.232,87 4.625,21 3.607,66 78,00% 42.655,91 77.344,09 29.683,29 42.655,91 33.271,61 75.927,52
14 8.232,87 4.474,39 3.758,49 84,00% 38.181,52 81.818,48 33.441,77 38.181,52 32.072,48 70.254,00
15 8.232,87 4.333,09 3.899,78 90,00% 33.848,43 86.151,57 37.341,55 33.848,43 30.463,59 64.312,02
16 8.232,87 4.200,45 4.032,43 96,00% 29.647,99 90.352,01 41.373,98 29.647,99 28.462,07 58.110,05
17 8.232,87 4.075,68 4.157,19 102,00% 25.572,30 94.427,70 45.531,18 25.572,30 26.083,75 51.656,06
18 8.232,87 3.958,11 4.274,76 108,00% 21.614,19 98.385,81 49.805,94 21.614,19 23.343,33 44.957,52
19 8.232,87 3.847,14 4.385,74 114,00% 17.767,05 102.232,95 54.191,68 17.767,05 20.254,44 38.021,50
20 8.232,87 3.742,22 4.490,66 120,00% 14.024,84 105.975,16 58.682,34 14.024,84 16.829,81 30.854,64
21 8.232,87 3.642,86 4.590,01 126,00% 10.381,97 109.618,03 63.272,35 10.381,97 13.081,29 23.463,26
22 8.232,87 3.548,65 4.684,22 132,00% 6.833,32 113.166,68 67.956,57 6.833,32 9.019,98 15.853,30
23 8.232,87 3.459,19 4.773,68 138,00% 3.374,13 116.625,87 72.730,25 3.374,13 4.656,30 8.030,43
24 8.232,87 3.374,13 4.858,75 144,00% 0,00 120.000,00 77.589,00 0,00 0,00 0,00
Totais 197.589,00 120.000,00 77.589,00 64,66            
                     
                     
                     
                     
  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      
                     
1 118.967,13 117.638,52 1.328,61 8.232,87 9.561,48 1.328,61 (0,00)      
2 117.468,24 115.135,35 2.332,89 16.465,75 19.122,96 2.657,21 324,32      
3 115.528,31 112.481,99 3.046,31 24.698,62 28.684,44 3.985,82 939,50      
4 113.169,75 109.669,43 3.500,32 32.931,50 38.245,92 5.314,42 1.814,10      
5 110.412,83 106.688,11 3.724,72 41.164,37 47.807,40 6.643,03 2.918,31      
6 107.275,93 103.527,92 3.748,01 49.397,25 57.368,88 7.971,63 4.223,62      
7 103.775,82 100.178,12 3.597,71 57.630,12 66.930,36 9.300,24 5.702,53      
8 99.927,84 96.627,32 3.300,52 65.863,00 76.491,84 10.628,85 7.328,33      
9 95.746,09 92.863,48 2.882,61 74.095,87 86.053,33 11.957,45 9.074,84      
10 91.243,59 88.873,81 2.369,78 82.328,75 95.614,81 13.286,06 10.916,28      
11 86.432,35 84.644,76 1.787,59 90.561,62 105.176,29 14.614,66 12.827,07      
12 81.323,53 80.161,96 1.161,57 98.794,50 114.737,77 15.943,27 14.781,70      
13 75.927,52 75.410,20 517,33 107.027,37 124.299,25 17.271,87 16.754,55      
14 70.254,00 70.373,33 (119,33) 115.260,25 133.860,73 18.600,48 18.719,81      
15 64.312,02 65.034,25 (722,23) 123.493,12 143.422,21 19.929,09 20.651,31      
16 58.110,05 59.374,82 (1.264,77) 131.726,00 152.983,69 21.257,69 22.522,46      
17 51.656,06 53.375,83 (1.719,78) 139.958,87 162.545,17 22.586,30 24.306,07      
18 44.957,52 47.016,90 (2.059,38) 148.191,75 172.106,65 23.914,90 25.974,29      
19 38.021,50 40.276,43 (2.254,94) 156.424,62 181.668,13 25.243,51 27.498,45      
20 30.854,64 33.131,54 (2.276,90) 164.657,50 191.229,61 26.572,11 28.849,01      
21 23.463,26 25.557,95 (2.094,69) 172.890,37 200.791,09 27.900,72 29.995,41      
22 15.853,30 17.529,95 (1.676,65) 181.123,25 210.352,57 29.229,33 30.905,97      
23 8.030,43 9.020,26 (989,84) 189.356,12 219.914,05 30.557,93 31.547,77      
24 0,00 (0,00) 0,00 197.589,00 229.475,53 31.886,54 31.886,54      
This file was created by LEDinardi on 02/07/2003.
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