Beruflich Dokumente
Kultur Dokumente
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
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
1/10/2007
Tabela SELIC
R$ 0.00
Valor
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%
parcela
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
42
43
Data Vencimento
Data do pagamento
1/10/2007 ###
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Valor a Pagar
desconto
Parcela
R$ 0.00 ###
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R$ 0.00 ###
44
45
46
47
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49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
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R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
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92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
#ADDIN?
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R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
R$
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
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
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
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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
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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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
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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###
s (Tabela Price)
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
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
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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
Cliente
Instituio Financeira
Objeto do Contrato
N Contrato
FULANO DE TAL
BANCO TAL
carto de crdito
0
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)
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
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
##
##
##
##
##
##
##
##
##
##
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
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
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
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
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)
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
##
##
##
##
##
##
##
##
##
##
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
#
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
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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###
###
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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
###
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#
###
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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
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
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
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
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.
Art 52 / CDC
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
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:
R$
R$
R$
R$
120,000.00
63,979.98
2,000.00
879.60
50
#VALUE!
ema Gauss
egislao especifica
m at 1% ao ms.
ais