Price Vs. SALU

R$ 120.000,00 / 9% 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 12.362,71 1.562,71 10.800,00 9,00% 118.437,29 1.562,71 10.800,00      
2 12.362,71 1.703,35 10.659,36 9,00% 116.733,94 3.266,06 21.459,36      
3 12.362,71 1.856,65 10.506,05 9,00% 114.877,29 5.122,71 31.965,41      
4 12.362,71 2.023,75 10.338,96 9,00% 112.853,54 7.146,46 42.304,37      
5 12.362,71 2.205,89 10.156,82 9,00% 110.647,65 9.352,35 52.461,19      
6 12.362,71 2.404,42 9.958,29 9,00% 108.243,23 11.756,77 62.419,47      
7 12.362,71 2.620,82 9.741,89 9,00% 105.622,41 14.377,59 72.161,36      
8 12.362,71 2.856,69 9.506,02 9,00% 102.765,72 17.234,28 81.667,38      
9 12.362,71 3.113,79 9.248,92 9,00% 99.651,93 20.348,07 90.916,30      
10 12.362,71 3.394,03 8.968,67 9,00% 96.257,90 23.742,10 99.884,97      
11 12.362,71 3.699,50 8.663,21 9,00% 92.558,40 27.441,60 108.548,18      
12 12.362,71 4.032,45 8.330,26 9,00% 88.525,95 31.474,05 116.878,44      
13 12.362,71 4.395,37 7.967,34 9,00% 84.130,58 35.869,42 124.845,77      
14 12.362,71 4.790,96 7.571,75 9,00% 79.339,62 40.660,38 132.417,53      
15 12.362,71 5.222,14 7.140,57 9,00% 74.117,48 45.882,52 139.558,09      
16 12.362,71 5.692,13 6.670,57 9,00% 68.425,35 51.574,65 146.228,67      
17 12.362,71 6.204,43 6.158,28 9,00% 62.220,92 57.779,08 152.386,95      
18 12.362,71 6.762,82 5.599,88 9,00% 55.458,10 64.541,90 157.986,83      
19 12.362,71 7.371,48 4.991,23 9,00% 48.086,62 71.913,38 162.978,06      
20 12.362,71 8.034,91 4.327,80 9,00% 40.051,71 79.948,29 167.305,85      
21 12.362,71 8.758,05 3.604,65 9,00% 31.293,65 88.706,35 170.910,51      
22 12.362,71 9.546,28 2.816,43 9,00% 21.747,38 98.252,62 173.726,94      
23 12.362,71 10.405,44 1.957,26 9,00% 11.341,93 108.658,07 175.684,20      
24 12.362,71 11.341,93 1.020,77 9,00% (0,00) 120.000,00 176.704,97      
Totais 296.704,97 120.000,00 176.704,97 147,25%            
                     
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 12.362,71 11.341,93 1.020,77 9,00% 108.658,07 11.341,93 1.020,77 108.658,07 9.779,23 118.437,29
2 12.362,71 10.405,44 1.957,26 18,81% 98.252,62 21.747,38 1.957,26 98.252,62 18.481,32 116.733,94
3 12.362,71 9.546,28 2.816,43 29,50% 88.706,35 31.293,65 2.816,43 88.706,35 26.170,94 114.877,29
4 12.362,71 8.758,05 3.604,65 41,16% 79.948,29 40.051,71 3.604,65 79.948,29 32.905,25 112.853,54
5 12.362,71 8.034,91 4.327,80 53,86% 71.913,38 48.086,62 4.327,80 71.913,38 38.734,27 110.647,65
6 12.362,71 7.371,48 4.991,23 67,71% 64.541,90 55.458,10 4.991,23 64.541,90 43.701,33 108.243,23
7 12.362,71 6.762,82 5.599,88 82,80% 57.779,08 62.220,92 5.599,88 57.779,08 47.843,34 105.622,41
8 12.362,71 6.204,43 6.158,28 99,26% 51.574,65 68.425,35 6.158,28 51.574,65 51.191,07 102.765,72
9 12.362,71 5.692,13 6.670,57 117,19% 45.882,52 74.117,48 6.670,57 45.882,52 53.769,41 99.651,93
10 12.362,71 5.222,14 7.140,57 136,74% 40.660,38 79.339,62 7.140,57 40.660,38 55.597,52 96.257,90
11 12.362,71 4.790,96 7.571,75 158,04% 35.869,42 84.130,58 7.571,75 35.869,42 56.688,98 92.558,40
12 12.362,71 4.395,37 7.967,34 181,27% 31.474,05 88.525,95 7.967,34 31.474,05 57.051,90 88.525,95
13 12.362,71 4.032,45 8.330,26 206,58% 27.441,60 92.558,40 8.330,26 27.441,60 56.688,98 84.130,58
14 12.362,71 3.699,50 8.663,21 234,17% 23.742,10 96.257,90 8.663,21 23.742,10 55.597,52 79.339,62
15 12.362,71 3.394,03 8.968,67 264,25% 20.348,07 99.651,93 8.968,67 20.348,07 53.769,41 74.117,48
16 12.362,71 3.113,79 9.248,92 297,03% 17.234,28 102.765,72 9.248,92 17.234,28 51.191,07 68.425,35
17 12.362,71 2.856,69 9.506,02 332,76% 14.377,59 105.622,41 9.506,02 14.377,59 47.843,34 62.220,92
18 12.362,71 2.620,82 9.741,89 371,71% 11.756,77 108.243,23 9.741,89 11.756,77 43.701,33 55.458,10
19 12.362,71 2.404,42 9.958,29 414,17% 9.352,35 110.647,65 9.958,29 9.352,35 38.734,27 48.086,62
20 12.362,71 2.205,89 10.156,82 460,44% 7.146,46 112.853,54 10.156,82 7.146,46 32.905,25 40.051,71
21 12.362,71 2.023,75 10.338,96 510,88% 5.122,71 114.877,29 10.338,96 5.122,71 26.170,94 31.293,65
22 12.362,71 1.856,65 10.506,05 565,86% 3.266,06 116.733,94 10.506,05 3.266,06 18.481,32 21.747,38
23 12.362,71 1.703,35 10.659,36 625,79% 1.562,71 118.437,29 10.659,36 1.562,71 9.779,23 11.341,93
24 12.362,71 1.562,71 10.800,00 691,11% (0,00) 120.000,00 10.800,00 (0,00) (0,00) (0,00)
Totais 296.704,97 120.000,00 176.704,97 147,25%            
                     
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 9.639,25 8.843,35 795,90 9,00% 111.156,65 8.843,35 795,90 111.156,65 10.004,10 121.160,75
2 9.639,25 8.168,85 1.470,39 18,00% 102.987,80 17.012,20 2.266,29 102.987,80 18.537,80 121.525,60
3 9.639,25 7.589,96 2.049,29 27,00% 95.397,84 24.602,16 4.315,58 95.397,84 25.757,42 121.155,26
4 9.639,25 7.087,68 2.551,57 36,00% 88.310,16 31.689,84 6.867,15 88.310,16 31.791,66 120.101,82
5 9.639,25 6.647,76 2.991,49 45,00% 81.662,40 38.337,60 9.858,64 81.662,40 36.748,08 118.410,48
6 9.639,25 6.259,25 3.380,00 54,00% 75.403,15 44.596,85 13.238,64 75.403,15 40.717,70 116.120,85
7 9.639,25 5.913,65 3.725,60 63,00% 69.489,50 50.510,50 16.964,23 69.489,50 43.778,39 113.267,89
8 9.639,25 5.604,21 4.035,03 72,00% 63.885,29 56.114,71 20.999,27 63.885,29 45.997,41 109.882,69
9 9.639,25 5.325,55 4.313,70 81,00% 58.559,74 61.440,26 25.312,96 58.559,74 47.433,39 105.993,12
10 9.639,25 5.073,29 4.565,96 90,00% 53.486,45 66.513,55 29.878,92 53.486,45 48.137,80 101.624,25
11 9.639,25 4.843,84 4.795,40 99,00% 48.642,61 71.357,39 34.674,33 48.642,61 48.156,18 96.798,78
12 9.639,25 4.634,25 5.004,99 108,00% 44.008,35 75.991,65 39.679,32 44.008,35 47.529,02 91.537,37
13 9.639,25 4.442,05 5.197,20 117,00% 39.566,30 80.433,70 44.876,52 39.566,30 46.292,57 85.858,88
14 9.639,25 4.265,15 5.374,09 126,00% 35.301,15 84.698,85 50.250,61 35.301,15 44.479,45 79.780,59
15 9.639,25 4.101,81 5.537,44 135,00% 31.199,34 88.800,66 55.788,05 31.199,34 42.119,11 73.318,45
16 9.639,25 3.950,51 5.688,74 144,00% 27.248,83 92.751,17 61.476,79 27.248,83 39.238,31 66.487,14
17 9.639,25 3.809,98 5.829,27 153,00% 23.438,85 96.561,15 67.306,06 23.438,85 35.861,44 59.300,29
18 9.639,25 3.679,10 5.960,15 162,00% 19.759,75 100.240,25 73.266,20 19.759,75 32.010,79 51.770,54
19 9.639,25 3.556,92 6.082,33 171,00% 16.202,83 103.797,17 79.348,53 16.202,83 27.706,84 43.909,67
20 9.639,25 3.442,59 6.196,66 180,00% 12.760,24 107.239,76 85.545,19 12.760,24 22.968,43 35.728,68
21 9.639,25 3.335,38 6.303,87 189,00% 9.424,86 110.575,14 91.849,06 9.424,86 17.812,99 27.237,85
22 9.639,25 3.234,65 6.404,60 198,00% 6.190,21 113.809,79 98.253,66 6.190,21 12.256,63 18.446,84
23 9.639,25 3.139,82 6.499,43 207,00% 3.050,39 116.949,61 104.753,09 3.050,39 6.314,32 9.364,71
24 9.639,25 3.050,39 6.588,85 216,00% (0,00) 120.000,00 111.341,94 (0,00) (0,00) (0,00)
Totais 231.341,94 120.000,00 111.341,94 92,78            
                     
                     
                     
                     
  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      
                     
1 121.160,75 118.437,29 2.723,46 9.639,25 12.362,71 2.723,46 (0,00)      
2 121.525,60 116.733,94 4.791,66 19.278,50 24.725,41 5.446,92 655,26      
3 121.155,26 114.877,29 6.277,97 28.917,74 37.088,12 8.170,38 1.892,41      
4 120.101,82 112.853,54 7.248,28 38.556,99 49.450,83 10.893,84 3.645,56      
5 118.410,48 110.647,65 7.762,83 48.196,24 61.813,54 13.617,30 5.854,46      
6 116.120,85 108.243,23 7.877,62 57.835,49 74.176,24 16.340,76 8.463,14      
7 113.267,89 105.622,41 7.645,47 67.474,73 86.538,95 19.064,22 11.418,74      
8 109.882,69 102.765,72 7.116,97 77.113,98 98.901,66 21.787,68 14.670,71      
9 105.993,12 99.651,93 6.341,19 86.753,23 111.264,37 24.511,14 18.169,95      
10 101.624,25 96.257,90 5.366,35 96.392,48 123.627,07 27.234,60 21.868,24      
11 96.798,78 92.558,40 4.240,38 106.031,72 135.989,78 29.958,06 25.717,67      
12 91.537,37 88.525,95 3.011,42 115.670,97 148.352,49 32.681,52 29.670,10      
13 85.858,88 84.130,58 1.728,30 125.310,22 160.715,19 35.404,98 33.676,68      
14 79.780,59 79.339,62 440,97 134.949,47 173.077,90 38.128,44 37.687,46      
15 73.318,45 74.117,48 (799,03) 144.588,71 185.440,61 40.851,90 41.650,93      
16 66.487,14 68.425,35 (1.938,20) 154.227,96 197.803,32 43.575,35 45.513,56      
17 59.300,29 62.220,92 (2.920,63) 163.867,21 210.166,02 46.298,81 49.219,45      
18 51.770,54 55.458,10 (3.687,56) 173.506,46 222.528,73 49.022,27 52.709,83      
19 43.909,67 48.086,62 (4.176,95) 183.145,70 234.891,44 51.745,73 55.922,68      
20 35.728,68 40.051,71 (4.323,03) 192.784,95 247.254,15 54.469,19 58.792,23      
21 27.237,85 31.293,65 (4.055,80) 202.424,20 259.616,85 57.192,65 61.248,46      
22 18.446,84 21.747,38 (3.300,54) 212.063,45 271.979,56 59.916,11 63.216,65      
23 9.364,71 11.341,93 (1.977,22) 221.702,70 284.342,27 62.639,57 64.616,79      
24 (0,00) (0,00) 0,00 231.341,94 296.704,97 65.363,03 65.363,03      
This file was created by LEDinardi on 02/07/2003.
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