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Planilha Revisiona

Preencha os Dados Sobre o Financiamento


Os campos em vermelho so obrigatrios
FULANO DE TAL
BANCO TAL

Autor
Ru
N do Contrato
Objeto do Emprstimo
Valor do Bem
Valor Financiado
N de Parcelas
N de Parcelas Pagas
Valor do IOF
Servios de Terceiros

carto de crdito
R$ 60,000.00
R$ 40,000.00
60
10

Valor da Entrada
Valor da Parcela
Taxa de Inflao
Data Vencimento 1 Carn
Valor da TAC
Valor do carn (TEC)
Descrio

Outros encargos
Valores Utilizados no Financiamento
Taxa de Juros (a.m)
Taxa de Juros Capitalizada (a.a)
Valor da Prestao Sem Carn
Valor Pago ao Final
Total de Juros Pago
Valor J Pago

4.68%
73.09%
Informe o Valor do Carn
R$ 120,000.00
R$ 80,000.00
R$ 20,000.00

Dados Para a Reviso


Aplicar outra taxa de juros
sim
Taxa a Ser Aplicada
Favor preencher o campo acima

ional

Quadro Comparativo
Juros de Mora
Tabela PRICE

mento

Mtodo GAUSS
Com encargos e juros iguais

###
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Mtodo GAUSS
Sem encargos e juros iguais

R$ 0.00
R$ 2,000.00

Mtodo GAUSS

Sem encargos e juros corrigidos

1/10/2007
Tabela SELIC

R$ 0.00
Valor

Criada por :Sandro Lcio Gonalves


salugon2009@hotmail.com
Tel (34) 3246-8485 / 8885-0648
Visualizar impresso

Aferio dos juros de mora


Restituio por pagamento antecipado
Encargos Pagos Por atraso
Valor para pagamento antecipado

Valor da Parcela
Data de Vencimento

R$ 0.00
R$ 0.00
R$ 0.00

R$ 2,000.00
1/10/2007

Preencha Apenas Um
Em Reais
Multa
Mora
Comisso de Permanncia

Em (%)
2.000%
0.333%

Voltar aos Dados Gerais

parcela
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Data Vencimento
Data do pagamento
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Valor a Pagar
desconto
Parcela
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0.00
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0.00
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0.00

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0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
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0.00
0.00
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0.00

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Cliente
Instituio Financeira
Objeto do Contrato
N Contrato

FULANO DE TAL
BANCO TAL
carto de crdito
0

Price
Com Todos os
Encargos Bancrios

Valor do financiamento
Valor Pago ao Final
Valor da Prestao Com Boleto
Valor da Prestao Sem Boleto
Taxa de juros (a.m)
Taxa de juros (a.a)
Valor pago
Parcelas Restantes (Normais)
Parcelas (Corrigidas)
Total de juros pago
Valor Pago a maior
Saldo Devedor
Repetio de indbito

R$ 40,000.00
R$ 120,000.00
R$ 2,000.00
4.68%
73.09%
R$ 20,000.00
50
R$ 2,000.00
R$ 80,000.00
R$ 56,020.02
R$ 100,000.00
R$ 112,040.05

Gauss
Com Todos os
Encargos Bancrios
e Juros Iguais ao do
Financiamento
R$ 40,000.00
R$ 63,979.98
R$ 1,066.33
4.68%
56.14%
R$ 20,000.00
50
R$ 879.60
R$ 23,979.98
R$ 0.00
R$ 43,979.98
R$ 0.00

Aferio da mora
Encargos pagos por atraso
Restituio por Pagamento antecipado

R$ 0.00
R$ 0.00

Gauss

Gauss##

Sem Encargos
Bancrios e
Juros Iguais ao
Financiamento

Sem Encargos
com Juros Iguais

R$ 40,000.00
R$ 63,979.98
R$ 1,066.33
4.68%
56.14%
R$ 20,000.00
22
R$ 879.60
R$ 23,979.98
R$ 0.00
R$ 43,979.98
R$ 0.00

Voltar aos Dados Gerais

R$ 40,000.00
##
R$ 63,979.98
R$ 1,066.33
###
Voc no informou o valor do boleto
4.68%
56.14%
Se continuar pagando R$ 2,000.00
R$ 20,000.00
22
Com parcelas iguais as estipuladas no contrato
R$ 879.60
Com parcelas corrigidas de acordo com cada tabela
R$ 23,979.98
R$ 0.00
R$ 43,979.98
Fulcro art. 42 nico CDC

a tabela

Sistema de Amortizao a Juros Compostos (Tabela Price


(Com todos os encargos inerentes ao financiamento (tac, IOF, Carn, etc)
Cliente
FULANO DE TAL
Instituio Financeira BANCO TAL
Objeto do Contrato carto de crdito
N Contrato
0

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Meses

0
1
2
3
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5
6
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14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34

Saldo Devedor (SD)

Amortizao (A)

40,000.00
39,871.28
39,736.53
39,595.48
39,447.84
39,293.28
39,131.50
38,962.14
38,784.87
38,599.30
38,405.04
38,201.71
37,988.86
37,766.05
37,532.81
37,288.67
37,033.11
36,765.59
36,485.55
36,192.42
35,885.57
35,564.36
35,228.13
34,876.17
34,507.74
34,122.08
33,718.38
33,295.79
32,853.43
32,390.38
31,905.66
31,398.27
30,867.14
30,311.16
29,729.18

128.72
134.75
141.05
147.65
154.55
161.79
169.35
177.28
185.57
194.25
203.34
212.85
222.81
233.23
244.14
255.56
267.52
280.04
293.14
306.85
321.20
336.23
351.96
368.43
385.66
403.70
422.59
442.36
463.05
484.72
507.39
531.13
555.98
581.99

Juros (J)
-

1,871.28
1,865.25
1,858.95
1,852.35
1,845.45
1,838.21
1,830.65
1,822.72
1,814.43
1,805.75
1,796.66
1,787.15
1,777.19
1,766.77
1,755.86
1,744.44
1,732.48
1,719.96
1,706.86
1,693.15
1,678.80
1,663.77
1,648.04
1,631.57
1,614.34
1,596.30
1,577.41
1,557.64
1,536.95
1,515.28
1,492.61
1,468.87
1,444.02
1,418.01

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60

29,119.97
28,482.25
27,814.71
27,115.93
26,384.47
25,618.79
24,817.28
23,978.28
23,100.03
22,180.69
21,218.35
20,210.99
19,156.49
18,052.67
16,897.21
15,687.69
14,421.59
13,096.26
11,708.93
10,256.70
8,736.53
7,145.24
5,479.51
3,735.85
1,910.62
0.00

609.21
637.71
667.55
698.77
731.46
765.68
801.50
839.00
878.25
919.34
962.34
1,007.36
1,054.49
1,103.82
1,155.46
1,209.52
1,266.10
1,325.33
1,387.33
1,452.23
1,520.17
1,591.29
1,665.73
1,743.66
1,825.23
1,910.62

1,390.79
1,362.29
1,332.45
1,301.23
1,268.54
1,234.32
1,198.50
1,161.00
1,121.75
1,080.66
1,037.66
992.64
945.51
896.18
844.54
790.48
733.90
674.67
612.67
547.77
479.83
408.71
334.27
256.34
174.77
89.38

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Voltar aos Dados Gerais

s (Tabela Price)

OF, Carn, etc)

Prestao (PMT)

2,000.00
2,000.00
2,000.00
2,000.00
2,000.00
2,000.00
2,000.00
2,000.00
2,000.00
2,000.00
2,000.00
2,000.00
2,000.00
2,000.00
2,000.00
2,000.00
2,000.00
2,000.00
2,000.00
2,000.00
2,000.00
2,000.00
2,000.00
2,000.00
2,000.00
2,000.00
2,000.00
2,000.00
2,000.00
2,000.00
2,000.00
2,000.00
2,000.00
2,000.00

Aplicar outra taxa tabela Price


Taxa de Juros a Ser Aplicada

2,000.00
2,000.00
2,000.00
2,000.00
2,000.00
2,000.00
2,000.00
2,000.00
2,000.00
2,000.00
2,000.00
2,000.00
2,000.00
2,000.00
2,000.00
2,000.00
2,000.00
2,000.00
2,000.00
2,000.00
2,000.00
2,000.00
2,000.00
2,000.00
2,000.00
2,000.00

Sistema de Amortizao a Juros Simples (Mtodo de Gauss)


Com todos os encargos bancrios e taxa igual a do financiamento

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Cliente
Instituio Financeira
Objeto do Contrato
N Contrato

FULANO DE TAL
BANCO TAL
carto de crdito
0

Saldo Devedor (SD)

Amortizao (A)

40,000.00
39,719.90
39,426.69
39,120.38
38,800.96
38,468.44
38,122.82
37,764.09
37,392.26
37,007.32
36,609.29
36,198.14
35,773.90
35,336.55
34,886.09
34,422.54
33,945.88
33,456.11
32,953.24
32,437.27
31,908.19
31,366.01
30,810.73
30,242.34
29,660.85
29,066.25
28,458.55
27,837.75
27,203.84
26,556.83
25,896.72
25,223.50
24,537.17
23,837.75

280.10
293.21
306.31
319.42
332.52
345.62
358.73
371.83
384.93
398.04
411.14
424.25
437.35
450.45
463.56
476.66
489.77
502.87
515.97
529.08
542.18
555.28
568.39
581.49
594.60
607.70
620.80
633.91
647.01
660.11
673.22
686.32
699.43

Juros (J)
-

786.23
773.12
760.02
746.92
733.81
720.71
707.61
694.50
681.40
668.29
655.19
642.09
628.98
615.88
602.78
589.67
576.57
563.46
550.36
537.26
524.15
511.05
497.94
484.84
471.74
458.63
445.53
432.43
419.32
406.22
393.11
380.01
366.91

#
#
#
#
#
#
#
#
#
#
#
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34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60

23,125.22
22,399.58
21,660.85
20,909.01
20,144.06
19,366.01
18,574.86
17,770.60
16,953.24
16,122.78
15,279.21
14,422.54
13,552.76
12,669.88
11,773.90
10,864.81
9,942.62
9,007.32
8,058.93
7,097.42
6,122.82
5,135.11
4,134.29
3,120.38
2,093.35
1,053.23
-

712.53
725.63
738.74
751.84
764.95
778.05
791.15
804.26
817.36
830.46
843.57
856.67
869.78
882.88
895.98
909.09
922.19
935.29
948.40
961.50
974.61
987.71
1,000.81
1,013.92
1,027.02
1,040.13
1,053.23

353.80
340.70
327.60
314.49
301.39
288.28
275.18
262.08
248.97
235.87
222.76
209.66
196.56
183.45
170.35
157.25
144.14
131.04
117.93
104.83
91.73
78.62
65.52
52.42
39.31
26.21
13.10

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###
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###
###
###
###
###
###
###
###
###

todo de Gauss)

Voltar aos Dados Gerais

nanciamento

Prestao (PMT)

1,066.33
###
1,066.33
###
1,066.33
###
1,066.33
###
1,066.33
###
1,066.33
###
1,066.33
###
1,066.33
###
1,066.33
###
1,066.33
###
1,066.33
###
1,066.33
###
1,066.33
###
1,066.33
###
1,066.33
###
1,066.33
###
1,066.33
###
1,066.33
###
1,066.33
###
1,066.33
###
1,066.33
###
1,066.33
###
1,066.33
###
1,066.33
###
1,066.33
###
1,066.33
###
1,066.33
###
1,066.33
###
1,066.33
###
1,066.33
###
1,066.33
###
1,066.33
###
1,066.33
###

###
###
###
#
###
###

1,066.33
###
1,066.33
###
1,066.33
###
1,066.33
###
1,066.33
###
1,066.33
###
1,066.33
###
1,066.33
###
1,066.33
###
1,066.33
###
1,066.33
###
1,066.33
###
1,066.33
###
1,066.33
###
1,066.33
###
1,066.33
###
1,066.33
###
1,066.33
###
1,066.33
###
1,066.33
###
1,066.33
###
1,066.33
###
1,066.33
###
1,066.33
###
1,066.33
###
1,066.33
###
1,066.33
###
###
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###
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###
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###

Sistema de Amortizao a Juros Simples (Mtodo de Gauss


Sem encargos com juros iguais aos utilizados no financiamento
Cliente
FULANO DE TAL
Instituio Financeira BANCO TAL
Objeto do Contrato
carto de crdito
N Contrato
Meses

##
##
##
##
##
##
##
##
##
##
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#

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

Saldo Devedor (SD)

40,000.00
39,719.90
39,426.69
39,120.38
38,800.96
38,468.44
38,122.82
37,764.09
37,392.26
37,007.32
36,609.29
36,198.14
35,773.90
35,336.55
34,886.09
34,422.54
33,945.88
33,456.11
32,953.24
32,437.27
31,908.19
31,366.01
30,810.73
30,242.34
29,660.85
29,066.25
28,458.55
27,837.75
27,203.84
26,556.83
25,896.72
25,223.50
24,537.17
23,837.75

Amortizao (A)

280.10
293.21
306.31
319.42
332.52
345.62
358.73
371.83
384.93
398.04
411.14
424.25
437.35
450.45
463.56
476.66
489.77
502.87
515.97
529.08
542.18
555.28
568.39
581.49
594.60
607.70
620.80
633.91
647.01
660.11
673.22
686.32
699.43

Juros (J)
-

786.23
773.12
760.02
746.92
733.81
720.71
707.61
694.50
681.40
668.29
655.19
642.09
628.98
615.88
602.78
589.67
576.57
563.46
550.36
537.26
524.15
511.05
497.94
484.84
471.74
458.63
445.53
432.43
419.32
406.22
393.11
380.01
366.91

#
#
#
#
#
#
#
#
#
#
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34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60

23,125.22
22,399.58
21,660.85
20,909.01
20,144.06
19,366.01
18,574.86
17,770.60
16,953.24
16,122.78
15,279.21
14,422.54
13,552.76
12,669.88
11,773.90
10,864.81
9,942.62
9,007.32
8,058.93
7,097.42
6,122.82
5,135.11
4,134.29
3,120.38
2,093.35
1,053.23
-

712.53
725.63
738.74
751.84
764.95
778.05
791.15
804.26
817.36
830.46
843.57
856.67
869.78
882.88
895.98
909.09
922.19
935.29
948.40
961.50
974.61
987.71
1,000.81
1,013.92
1,027.02
1,040.13
1,053.23

353.80
340.70
327.60
314.49
301.39
288.28
275.18
262.08
248.97
235.87
222.76
209.66
196.56
183.45
170.35
157.25
144.14
131.04
117.93
104.83
91.73
78.62
65.52
52.42
39.31
26.21
13.10

#
#
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###
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###
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###
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###
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###
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###
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###

###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###

todo de Gauss)

Voltar aos Dados Gerais

nanciamento

Prestao (PMT)

1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33

###
###
###
#
###
###

1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33

Sistema de Amortizao a Juros Simples (Mtodo de Gauss)


Planlilha Sem Encargos Com Taxa de Juros de
Cliente
Instituio Financeira
Objeto do Contrato
Meses

##
##
##
##
##
##
##
##
##
##
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#

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

Saldo Devedor (SD)

40,000.00
39,719.90
39,426.69
39,120.38
38,800.96
38,468.44
38,122.82
37,764.09
37,392.26
37,007.32
36,609.29
36,198.14
35,773.90
35,336.55
34,886.09
34,422.54
33,945.88
33,456.11
32,953.24
32,437.27
31,908.19
31,366.01
30,810.73
30,242.34
29,660.85
29,066.25
28,458.55
27,837.75
27,203.84
26,556.83
25,896.72
25,223.50
24,537.17
23,837.75
23,125.22

FULANO DE TAL
BANCO TAL
carto de crdito
Amortizao (A)

280.10
293.21
306.31
319.42
332.52
345.62
358.73
371.83
384.93
398.04
411.14
424.25
437.35
450.45
463.56
476.66
489.77
502.87
515.97
529.08
542.18
555.28
568.39
581.49
594.60
607.70
620.80
633.91
647.01
660.11
673.22
686.32
699.43
712.53

Juros (J)
-

786.23
773.12
760.02
746.92
733.81
720.71
707.61
694.50
681.40
668.29
655.19
642.09
628.98
615.88
602.78
589.67
576.57
563.46
550.36
537.26
524.15
511.05
497.94
484.84
471.74
458.63
445.53
432.43
419.32
406.22
393.11
380.01
366.91
353.80

#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#

35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60

22,399.58
21,660.85
20,909.01
20,144.06
19,366.01
18,574.86
17,770.60
16,953.24
16,122.78
15,279.21
14,422.54
13,552.76
12,669.88
11,773.90
10,864.81
9,942.62
9,007.32
8,058.93
7,097.42
6,122.82
5,135.11
4,134.29
3,120.38
2,093.35
1,053.23
-

725.63
738.74
751.84
764.95
778.05
791.15
804.26
817.36
830.46
843.57
856.67
869.78
882.88
895.98
909.09
922.19
935.29
948.40
961.50
974.61
987.71
1,000.81
1,013.92
1,027.02
1,040.13
1,053.23

340.70
327.60
314.49
301.39
288.28
275.18
262.08
248.97
235.87
222.76
209.66
196.56
183.45
170.35
157.25
144.14
131.04
117.93
104.83
91.73
78.62
65.52
52.42
39.31
26.21
13.10

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Voltar aos Dados Gerais

todo de Gauss)
0%

Prestao (PMT)

1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33

###
###
###
#
###
###

1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33
1,066.33

Tabela SE

Voltar aos Dados Gerais

Baixar tabela SELIC

Baixe as aliquotas do site d

Ms/Ano

1995

1996

1997

1998

1999

2000

2001

Janeiro

0.00%

2.58%

1.73%

2.67%

2.18%

1.46%

1.27%

Fevereiro

3.63%

2.35%

1.67%

2.13%

2.38%

1.45%

1.02%

Maro

2.60%

2.22%

1.64%

2.20%

3.33%

1.45%

1.26%

Abril

4.26%

2.07%

1.66%

1.71%

2.35%

1.30%

1.19%

Maio

4.25%

2.01%

1.58%

1.63%

2.02%

1.49%

1.34%

Junho

4.04%

1.98%

1.61%

1.60%

1.67%

1.39%

1.27%

Julho

4.02%

1.93%

1.60%

1.70%

1.66%

1.31%

1.50%

Agosto

3.84%

1.97%

1.59%

1.48%

1.57%

1.41%

1.60%

Setembro

3.32%

1.90%

1.59%

2.49%

1.49%

1.22%

1.32%

Outubro

3.09%

1.86%

1.67%

2.94%

1.38%

1.29%

1.53%

Novembro

2.88%

1.80%

3.04%

2.63%

1.39%

1.22%

1.39%

Dezembro

2.78%

1.80%

2.97%

2.40%

1.60%

1.20%

1.39%

bela SELIC

tas do site da Receita Federal


2002

2003

2004

2005

2006

2007

2008

2009

1.53%

1.97%

1.27%

1.38%

1.43%

1.08%

0.93%

1.05%

1.25%

1.83%

1.08%

1.22%

1.15%

0.87%

0.80%

0.86%

1.37%

1,78%

1.38%

1.53%

1.42%

1.05%

0.84%

0.97%

1,48%

1,87%

1.18%

1.41%

1.08%

0.94%

0.90%

0.84%

1,41%

1,97%

1.23%

1.50%

1.28%

1.03%

0.88%

0.77%

1,33%

1.86%

1.23%

1.59%

1.18%

0.91%

0.96%

0.76%

1,54%

2.08%

1.29%

1.51%

1.17%

0.97%

1.07%

0.79%

1,44%

1,77%

1.29%

1.66%

1.26%

0.99%

1.02%

0.69%

1.38%

1,68%

1,25%

1.50%

1.06%

0.80%

1.10%

0.69%

1,65%

1,64%

1,21%

1.41%

1.09%

0.93%

1.18%

0.69%

1,54%

1,34%

1,25%

1.38%

1.02%

0.84%

1.02%

0.66%

1,74%

1,37%

1,48%

1.47%

0.99%

0.84%

1.12%

0.73%

2010

2011

2012

0.66%
0.59%
0.76%

LAUDO FINANCEIRO

VINCULADO A
CONTRATO DE EMPRESTIMO PESSOAL

FINANCIADO
AGENTE FINANCEIRO
TIPO DE CONTRATO

Curitiba,

data

PLANILHA DE EVOLUO E CONVERSO DO CONTRATO


Sistema Price / Gaus
Titular do contrato:
Agente Financeiro:
Tipo:
Nmero contrato

0
0
0
0

Sistema Contratado
Metodo exponencial / Juros composto
Valor financiado:
Prazo
Taxa de Juros mensal Pactuada:
Taxa de Juros anual Pactuada:

R$ 40,000.00
60
4.68%
73.09%

Sistema Recalculad
Mtodo Linear / Jutos sim
Valor financiado:
Prazo
Taxa de Juros mensal:
Taxa de Juros anual:

observa-se claramente, que na prestao da Price, que esto embutidos, ou melhor dize
disfarado os juros compostos e onde se visualiza exatamente o anatocismo ou incidncia
juros sobre juros ou taxa sobre taxa ou progresso geometrica . isso porque o saldo de
no sistema Price, no proprieamente o saldo devedor real, mas uma simples conta de d
Na price, os juros so capitalizados porque so calculados taxa sobre taxa em razo da
exponencial, j aludida, contida na frmula

Somatrio dos valores pelo sistema contratado:


Somatrio do valor pelo sistema recalculado :
Valor da prestao pelo sistema contratado:
Valor da prestao pelo sistema recalculado.
Prazo restante do financiamento
Valor pago referente a tarifa de contratao ( IOF )
R$ 2,500.00

R$ 2,000.00

R$ 1,500.00
Valor Pago sistema
Price

R$ 1,000.00

R$ 500.00

R$ 0.00
50

Capitalizao o acrescimo dos juros cobrados ao capital inicial e ao saldo devedor prov

o calculo de juros sobre juros. No Brasil a capitalizao ocorre ms a ms, pratica que se
em sucessivas medidas provisrias, em especial a medida provisria 1.963-17/2000, atua
reeditada sob o nmero 2.170 - 36/2001, que autorizou a capitalizao mensal de juros em
de mtuo bancrio.

Assim, mesmo havendo autorizao contratual para a pratica de capitalizao mensal dos
contratos de mtuo, celebrados aps a vigencia da aludida medida provisria, esta co
o fornecedor em desproporcionar vantagem econmica em fase do consumidor, colidi
com o art5., inciso XXII, c/c art 170, V, ambos da carta da Repblica de 1988.
A presente planilha demostra a converso de clculo de sistema contratado
( Sistema de amortizao Price ) para o mtodo linear ponderado ( Gauss )
a taxa de juros usada no recalculo de 1% ao ms e de 12 % ao ano.

Com a presente converso foi retirada a capitalizao de juros de financiamento, onde, os


j pago entendidos como endevidos esto sendo usados como crditos na amortiza
so saldo devedor atual dando uma nova evoluo ao financiamento resultando em um
nova prestao
Formula usada para calcular o sistema Gauss

Sumula 379 / STJ


Nos contratos bancrios no regidos por legislao especifica
os juros moratrios podero ser fixados em at 1% ao ms.

Art 52 / CDC

No fornecimento de produtos ou servios que envolva outorga de crdito ou concess


de financiamento ao consumidor, o fornecedor dever, entre outros requisitos,
informa-lo prvia e adequadamente sobre:
As multas de mora decorrentes do inadimplemento de obrigaes no seu termo no
podero ser superiores a 2 % do valor da prestao.

Formao da nova prestao para depositos judiciais


Saldo devedor atual recalculado:
###
Tarifas embutidas ao contrato
R$
Saldo credor:
###
O saldo credor referente a valores j pagos a titulo de capitalizao de juros

Valores a serem pagas a ttulo de depsito judicial, e ainda, referente as parcelas e val
para quitao do bem:
Qtd parcelas
50
Valor:

CONCLUSO

O novo valor da prestao para posteriores depositos judiciais, j com os devidos abatim
devidos abatimentos de
R$
879.60
Valor j pago a titulo de indebito:
R$ 20,000.00

A substituio dos mesmos valores apontou uma prestao menor


no sistema de juros simples.
O mtodo adotado pela instituio financeira capitaliza juros e implica uma nova cobra
onerosa a longo prazo ao financiado, substituindo a sitmatica de clculo
chegamos a valores mais justos e lineares com relao a evoluo dos juros,
sem a onerosa capitalizao exponencial.

RO

O PESSOAL

0
0
0

O DO CONTRATO
s
0
0
0
0

Sistema Recalculado
Mtodo Linear / Jutos simples

ado:

R$ 40,000.00
60
4.68%
56.14%

s mensal:
s anual:

to embutidos, ou melhor dizendo,


e o anatocismo ou incidncia de juros
ca . isso porque o saldo devedor,
mas uma simples conta de diferena.
axa sobre taxa em razo da funo
na frmula

R$
R$
R$
R$

120,000.00
63,979.98
2,000.00
879.60
50

#VALUE!

Valor Pago sistema


Price

nicial e ao saldo devedor provocando

rre ms a ms, pratica que se baseia


rovisria 1.963-17/2000, atualmente
italizao mensal de juros em contrato

de capitalizao mensal dos juros nos


da medida provisria, esta coloca
em fase do consumidor, colidindo
carta da Repblica de 1988.
culo de sistema contratado
near ponderado ( Gauss )
ms e de 12 % ao ano.

os de financiamento, onde, os valores


os como crditos na amortizao
anciamento resultando em uma

ema Gauss

egislao especifica
m at 1% ao ms.

outorga de crdito ou concesso


er, entre outros requisitos,
nte sobre:
e obrigaes no seu termo no
r da prestao.

ais

ulo de capitalizao de juros

referente as parcelas e valores faltantes


m:
R$
879.60

iais, j com os devidos abatimentos

uma prestao menor


es.
uros e implica uma nova cobrana
do a sitmatica de clculo
lao a evoluo dos juros,
onencial.