201751 SimuladorHabitacionalCAIXA

Simulador Habitacional CAIXA

1 Dados iniciais
Estefinanciamentoparaumapessoa:PessoaFsica
Qualotipodefinanciamentovocdeseja?Residencial
Emqualdestascategoriasoimvelseenquadra?AquisiodeImvelUsado
Valoraproximadodoimvel:R$400.000,00
Ondeestlocalizadooimvel?PASSOSMG
Possuoimvelnestacidade:No

2 Seus dados
Qualarendabrutafamiliar?R$15.000,00
Qualadatadenascimentodoparticipantedemaioridade?02/06/1968
Possui3anosdetrabalhosobregimedoFGTS,somandosetodososperodostrabalhados?Sim
Jfuibeneficiado,ouoimvelobjetodofinanciamento,comsubsdioconcedidopeloFGTS/Unio?No
Maisdeumcompradoroudependente??Sim

3 Opes
SBPECONVNIOSETORPBLICOTAXACLIENTECOMRELACIONAMENTO+CONTASALRIO

4 Resultados
SBPE - CONVNIO SETOR PBLICO - TAXA CLIENTE COM RELACIONAMENTO + CONTA
SALRIO
Valordefinanciamento R$320.000,00
Prazo 379meses
Valordaentrada R$80.000,00
Juros 9,3396%a.a
CETCustoEfetivoTotal 11,4757%
CESHCustoEfetivodoSeguroHabitacional 9,7262%
Seguradora CAIXASEGUROS
Sistemadeamortizao SAC
ComponentesdoCET Valor Percentual
ValordoFinanciamento R$320.000,00 99,06%
SubsdioComplementar R$0,00 0,00%
Seguro/FGHABVista R$174,56 0,05%
TarifaparaAvaliaodeBensRecebidosemGarantia R$2.850,00 0,88%
IOF R$0,00 0,00%
Planilha de evoluo terica para demonstrao dos fluxos referentes aos pagamentos e recebimentos considerados no
clculo do Custo Efetivo Total - CET nas condies vigentes na data da simulao

Fase de Amortizao
Seguro/ Taxade
N Vencimento Prestao Encargo SaldoDevedor
FGHAB Administrao(TA)
1 01/06/2017 R$3.334,89 R$174,18 R$25,00 R$3.534,07 R$319.155,67
2 01/07/2017 R$3.328,32 R$173,80 R$25,00 R$3.527,12 R$318.311,34
3 01/08/2017 R$3.321,75 R$173,43 R$25,00 R$3.520,18 R$317.467,01
4 01/09/2017 R$3.315,18 R$173,05 R$25,00 R$3.513,23 R$316.622,68

http://www8.caixa.gov.br/siopiinternet/simulaOperacaoInternet.dojsessionid=A14BFA824CD2A5694540FF1D88008DE8?method=enquadrarProdutos 1/11
201751 SimuladorHabitacionalCAIXA

Seguro/ Taxade
N Vencimento Prestao Encargo SaldoDevedor
FGHAB Administrao(TA)
5 01/10/2017 R$3.308,60 R$172,67 R$25,00 R$3.506,27 R$315.778,35
6 01/11/2017 R$3.302,03 R$172,29 R$25,00 R$3.499,32 R$314.934,02
7 01/12/2017 R$3.295,46 R$171,91 R$25,00 R$3.492,37 R$314.089,69
8 01/01/2018 R$3.288,89 R$171,53 R$25,00 R$3.485,42 R$313.245,36
9 01/02/2018 R$3.282,32 R$171,16 R$25,00 R$3.478,48 R$312.401,03
10 01/03/2018 R$3.275,75 R$170,78 R$25,00 R$3.471,53 R$311.556,70
11 01/04/2018 R$3.269,18 R$170,40 R$25,00 R$3.464,58 R$310.712,37
12 01/05/2018 R$3.262,60 R$170,02 R$25,00 R$3.457,62 R$309.868,04
13 01/06/2018 R$3.256,03 R$169,64 R$25,00 R$3.450,67 R$309.023,71
14 01/07/2018 R$3.249,46 R$169,26 R$25,00 R$3.443,72 R$308.179,38
15 01/08/2018 R$3.242,89 R$168,89 R$25,00 R$3.436,78 R$307.335,05
16 01/09/2018 R$3.236,32 R$168,51 R$25,00 R$3.429,83 R$306.490,72
17 01/10/2018 R$3.229,75 R$168,13 R$25,00 R$3.422,88 R$305.646,39
18 01/11/2018 R$3.223,18 R$167,75 R$25,00 R$3.415,93 R$304.802,06
19 01/12/2018 R$3.216,60 R$167,37 R$25,00 R$3.408,97 R$303.957,73
20 01/01/2019 R$3.210,03 R$166,99 R$25,00 R$3.402,02 R$303.113,40
21 01/02/2019 R$3.203,46 R$166,62 R$25,00 R$3.395,08 R$302.269,07
22 01/03/2019 R$3.196,89 R$166,24 R$25,00 R$3.388,13 R$301.424,74
23 01/04/2019 R$3.190,32 R$165,86 R$25,00 R$3.381,18 R$300.580,41
24 01/05/2019 R$3.183,75 R$165,48 R$25,00 R$3.374,23 R$299.736,08
25 01/06/2019 R$3.177,18 R$165,10 R$25,00 R$3.367,28 R$298.891,75
26 01/07/2019 R$3.170,60 R$232,38 R$25,00 R$3.427,98 R$298.047,42
27 01/08/2019 R$3.164,03 R$231,81 R$25,00 R$3.420,84 R$297.203,09
28 01/09/2019 R$3.157,46 R$231,24 R$25,00 R$3.413,70 R$296.358,76
29 01/10/2019 R$3.150,89 R$230,67 R$25,00 R$3.406,56 R$295.514,43
30 01/11/2019 R$3.144,32 R$230,10 R$25,00 R$3.399,42 R$294.670,10
31 01/12/2019 R$3.137,75 R$229,53 R$25,00 R$3.392,28 R$293.825,77
32 01/01/2020 R$3.131,18 R$228,96 R$25,00 R$3.385,14 R$292.981,44
33 01/02/2020 R$3.124,60 R$228,39 R$25,00 R$3.377,99 R$292.137,11
34 01/03/2020 R$3.118,03 R$227,82 R$25,00 R$3.370,85 R$291.292,78
35 01/04/2020 R$3.111,46 R$227,25 R$25,00 R$3.363,71 R$290.448,45
36 01/05/2020 R$3.104,89 R$226,68 R$25,00 R$3.356,57 R$289.604,12
37 01/06/2020 R$3.098,32 R$226,11 R$25,00 R$3.349,43 R$288.759,79
38 01/07/2020 R$3.091,75 R$225,54 R$25,00 R$3.342,29 R$287.915,46
39 01/08/2020 R$3.085,18 R$224,97 R$25,00 R$3.335,15 R$287.071,13
40 01/09/2020 R$3.078,60 R$224,40 R$25,00 R$3.328,00 R$286.226,80
41 01/10/2020 R$3.072,03 R$223,83 R$25,00 R$3.320,86 R$285.382,47
42 01/11/2020 R$3.065,46 R$223,26 R$25,00 R$3.313,72 R$284.538,14
43 01/12/2020 R$3.058,89 R$222,69 R$25,00 R$3.306,58 R$283.693,81
44 01/01/2021 R$3.052,32 R$222,12 R$25,00 R$3.299,44 R$282.849,48
45 01/02/2021 R$3.045,75 R$221,55 R$25,00 R$3.292,30 R$282.005,15
46 01/03/2021 R$3.039,18 R$220,98 R$25,00 R$3.285,16 R$281.160,82

http://www8.caixa.gov.br/siopiinternet/simulaOperacaoInternet.dojsessionid=A14BFA824CD2A5694540FF1D88008DE8?method=enquadrarProdutos 2/11
201751 SimuladorHabitacionalCAIXA

Seguro/ Taxade
N Vencimento Prestao Encargo SaldoDevedor
FGHAB Administrao(TA)
47 01/04/2021 R$3.032,60 R$220,41 R$25,00 R$3.278,01 R$280.316,49
48 01/05/2021 R$3.026,03 R$219,84 R$25,00 R$3.270,87 R$279.472,16
49 01/06/2021 R$3.019,46 R$219,27 R$25,00 R$3.263,73 R$278.627,83
50 01/07/2021 R$3.012,89 R$218,70 R$25,00 R$3.256,59 R$277.783,50
51 01/08/2021 R$3.006,32 R$218,13 R$25,00 R$3.249,45 R$276.939,17
52 01/09/2021 R$2.999,75 R$217,56 R$25,00 R$3.242,31 R$276.094,84
53 01/10/2021 R$2.993,18 R$216,99 R$25,00 R$3.235,17 R$275.250,51
54 01/11/2021 R$2.986,60 R$216,42 R$25,00 R$3.228,02 R$274.406,18
55 01/12/2021 R$2.980,03 R$215,85 R$25,00 R$3.220,88 R$273.561,85
56 01/01/2022 R$2.973,46 R$215,28 R$25,00 R$3.213,74 R$272.717,52
57 01/02/2022 R$2.966,89 R$214,71 R$25,00 R$3.206,60 R$271.873,19
58 01/03/2022 R$2.960,32 R$214,14 R$25,00 R$3.199,46 R$271.028,86
59 01/04/2022 R$2.953,75 R$213,57 R$25,00 R$3.192,32 R$270.184,53
60 01/05/2022 R$2.947,18 R$213,00 R$25,00 R$3.185,18 R$269.340,20
61 01/06/2022 R$2.940,60 R$212,43 R$25,00 R$3.178,03 R$268.495,87
62 01/07/2022 R$2.934,03 R$211,86 R$25,00 R$3.170,89 R$267.651,54
63 01/08/2022 R$2.927,46 R$211,29 R$25,00 R$3.163,75 R$266.807,21
64 01/09/2022 R$2.920,89 R$210,72 R$25,00 R$3.156,61 R$265.962,88
65 01/10/2022 R$2.914,32 R$210,16 R$25,00 R$3.149,48 R$265.118,55
66 01/11/2022 R$2.907,75 R$209,59 R$25,00 R$3.142,34 R$264.274,22
67 01/12/2022 R$2.901,18 R$209,02 R$25,00 R$3.135,20 R$263.429,89
68 01/01/2023 R$2.894,60 R$208,45 R$25,00 R$3.128,05 R$262.585,56
69 01/02/2023 R$2.888,03 R$207,88 R$25,00 R$3.120,91 R$261.741,23
70 01/03/2023 R$2.881,46 R$207,31 R$25,00 R$3.113,77 R$260.896,90
71 01/04/2023 R$2.874,89 R$206,74 R$25,00 R$3.106,63 R$260.052,57
72 01/05/2023 R$2.868,32 R$206,17 R$25,00 R$3.099,49 R$259.208,24
73 01/06/2023 R$2.861,75 R$205,60 R$25,00 R$3.092,35 R$258.363,91
74 01/07/2023 R$2.855,18 R$205,03 R$25,00 R$3.085,21 R$257.519,58
75 01/08/2023 R$2.848,60 R$204,46 R$25,00 R$3.078,06 R$256.675,25
76 01/09/2023 R$2.842,03 R$203,89 R$25,00 R$3.070,92 R$255.830,92
77 01/10/2023 R$2.835,46 R$203,32 R$25,00 R$3.063,78 R$254.986,59
78 01/11/2023 R$2.828,89 R$202,75 R$25,00 R$3.056,64 R$254.142,26
79 01/12/2023 R$2.822,32 R$202,18 R$25,00 R$3.049,50 R$253.297,93
80 01/01/2024 R$2.815,75 R$201,61 R$25,00 R$3.042,36 R$252.453,60
81 01/02/2024 R$2.809,18 R$201,04 R$25,00 R$3.035,22 R$251.609,27
82 01/03/2024 R$2.802,60 R$200,47 R$25,00 R$3.028,07 R$250.764,94
83 01/04/2024 R$2.796,03 R$199,90 R$25,00 R$3.020,93 R$249.920,61
84 01/05/2024 R$2.789,46 R$199,33 R$25,00 R$3.013,79 R$249.076,28
85 01/06/2024 R$2.782,89 R$198,76 R$25,00 R$3.006,65 R$248.231,95
86 01/07/2024 R$2.776,32 R$359,48 R$25,00 R$3.160,80 R$247.387,62
87 01/08/2024 R$2.769,75 R$358,36 R$25,00 R$3.153,11 R$246.543,29
88 01/09/2024 R$2.763,18 R$357,24 R$25,00 R$3.145,42 R$245.698,96

http://www8.caixa.gov.br/siopiinternet/simulaOperacaoInternet.dojsessionid=A14BFA824CD2A5694540FF1D88008DE8?method=enquadrarProdutos 3/11
201751 SimuladorHabitacionalCAIXA

Seguro/ Taxade
N Vencimento Prestao Encargo SaldoDevedor
FGHAB Administrao(TA)
89 01/10/2024 R$2.756,61 R$356,12 R$25,00 R$3.137,73 R$244.854,63
90 01/11/2024 R$2.750,03 R$355,00 R$25,00 R$3.130,03 R$244.010,30
91 01/12/2024 R$2.743,46 R$353,88 R$25,00 R$3.122,34 R$243.165,97
92 01/01/2025 R$2.736,89 R$352,76 R$25,00 R$3.114,65 R$242.321,64
93 01/02/2025 R$2.730,32 R$351,64 R$25,00 R$3.106,96 R$241.477,31
94 01/03/2025 R$2.723,75 R$350,52 R$25,00 R$3.099,27 R$240.632,98
95 01/04/2025 R$2.717,18 R$349,40 R$25,00 R$3.091,58 R$239.788,65
96 01/05/2025 R$2.710,61 R$348,28 R$25,00 R$3.083,89 R$238.944,32
97 01/06/2025 R$2.704,03 R$347,16 R$25,00 R$3.076,19 R$238.099,99
98 01/07/2025 R$2.697,46 R$346,04 R$25,00 R$3.068,50 R$237.255,66
99 01/08/2025 R$2.690,89 R$344,92 R$25,00 R$3.060,81 R$236.411,33
100 01/09/2025 R$2.684,32 R$343,80 R$25,00 R$3.053,12 R$235.567,00
101 01/10/2025 R$2.677,75 R$342,68 R$25,00 R$3.045,43 R$234.722,67
102 01/11/2025 R$2.671,18 R$341,56 R$25,00 R$3.037,74 R$233.878,34
103 01/12/2025 R$2.664,61 R$340,44 R$25,00 R$3.030,05 R$233.034,01
104 01/01/2026 R$2.658,03 R$339,32 R$25,00 R$3.022,35 R$232.189,68
105 01/02/2026 R$2.651,46 R$338,20 R$25,00 R$3.014,66 R$231.345,35
106 01/03/2026 R$2.644,89 R$337,07 R$25,00 R$3.006,96 R$230.501,02
107 01/04/2026 R$2.638,32 R$335,95 R$25,00 R$2.999,27 R$229.656,69
108 01/05/2026 R$2.631,75 R$334,83 R$25,00 R$2.991,58 R$228.812,36
109 01/06/2026 R$2.625,18 R$333,71 R$25,00 R$2.983,89 R$227.968,03
110 01/07/2026 R$2.618,61 R$332,59 R$25,00 R$2.976,20 R$227.123,70
111 01/08/2026 R$2.612,03 R$331,47 R$25,00 R$2.968,50 R$226.279,37
112 01/09/2026 R$2.605,46 R$330,35 R$25,00 R$2.960,81 R$225.435,04
113 01/10/2026 R$2.598,89 R$329,23 R$25,00 R$2.953,12 R$224.590,71
114 01/11/2026 R$2.592,32 R$328,11 R$25,00 R$2.945,43 R$223.746,38
115 01/12/2026 R$2.585,75 R$326,99 R$25,00 R$2.937,74 R$222.902,05
116 01/01/2027 R$2.579,18 R$325,87 R$25,00 R$2.930,05 R$222.057,72
117 01/02/2027 R$2.572,61 R$324,75 R$25,00 R$2.922,36 R$221.213,39
118 01/03/2027 R$2.566,03 R$323,63 R$25,00 R$2.914,66 R$220.369,06
119 01/04/2027 R$2.559,46 R$322,51 R$25,00 R$2.906,97 R$219.524,73
120 01/05/2027 R$2.552,89 R$321,39 R$25,00 R$2.899,28 R$218.680,40
121 01/06/2027 R$2.546,32 R$320,27 R$25,00 R$2.891,59 R$217.836,07
122 01/07/2027 R$2.539,75 R$319,15 R$25,00 R$2.883,90 R$216.991,74
123 01/08/2027 R$2.533,18 R$318,03 R$25,00 R$2.876,21 R$216.147,41
124 01/09/2027 R$2.526,61 R$316,91 R$25,00 R$2.868,52 R$215.303,08
125 01/10/2027 R$2.520,03 R$315,79 R$25,00 R$2.860,82 R$214.458,75
126 01/11/2027 R$2.513,46 R$314,67 R$25,00 R$2.853,13 R$213.614,42
127 01/12/2027 R$2.506,89 R$313,55 R$25,00 R$2.845,44 R$212.770,09
128 01/01/2028 R$2.500,32 R$312,43 R$25,00 R$2.837,75 R$211.925,76
129 01/02/2028 R$2.493,75 R$311,31 R$25,00 R$2.830,06 R$211.081,43
130 01/03/2028 R$2.487,18 R$310,18 R$25,00 R$2.822,36 R$210.237,10

http://www8.caixa.gov.br/siopiinternet/simulaOperacaoInternet.dojsessionid=A14BFA824CD2A5694540FF1D88008DE8?method=enquadrarProdutos 4/11
201751 SimuladorHabitacionalCAIXA

Seguro/ Taxade
N Vencimento Prestao Encargo SaldoDevedor
FGHAB Administrao(TA)
131 01/04/2028 R$2.480,61 R$309,06 R$25,00 R$2.814,67 R$209.392,77
132 01/05/2028 R$2.474,03 R$307,94 R$25,00 R$2.806,97 R$208.548,44
133 01/06/2028 R$2.467,46 R$306,82 R$25,00 R$2.799,28 R$207.704,11
134 01/07/2028 R$2.460,89 R$305,70 R$25,00 R$2.791,59 R$206.859,78
135 01/08/2028 R$2.454,32 R$304,58 R$25,00 R$2.783,90 R$206.015,45
136 01/09/2028 R$2.447,75 R$303,46 R$25,00 R$2.776,21 R$205.171,12
137 01/10/2028 R$2.441,18 R$302,34 R$25,00 R$2.768,52 R$204.326,79
138 01/11/2028 R$2.434,61 R$301,22 R$25,00 R$2.760,83 R$203.482,46
139 01/12/2028 R$2.428,03 R$300,10 R$25,00 R$2.753,13 R$202.638,13
140 01/01/2029 R$2.421,46 R$298,98 R$25,00 R$2.745,44 R$201.793,80
141 01/02/2029 R$2.414,89 R$297,86 R$25,00 R$2.737,75 R$200.949,47
142 01/03/2029 R$2.408,32 R$296,74 R$25,00 R$2.730,06 R$200.105,14
143 01/04/2029 R$2.401,75 R$295,62 R$25,00 R$2.722,37 R$199.260,81
144 01/05/2029 R$2.395,18 R$294,50 R$25,00 R$2.714,68 R$198.416,48
145 01/06/2029 R$2.388,61 R$293,38 R$25,00 R$2.706,99 R$197.572,15
146 01/07/2029 R$2.382,03 R$441,38 R$25,00 R$2.848,41 R$196.727,82
147 01/08/2029 R$2.375,46 R$439,62 R$25,00 R$2.840,08 R$195.883,49
148 01/09/2029 R$2.368,89 R$437,86 R$25,00 R$2.831,75 R$195.039,16
149 01/10/2029 R$2.362,32 R$436,10 R$25,00 R$2.823,42 R$194.194,83
150 01/11/2029 R$2.355,75 R$434,34 R$25,00 R$2.815,09 R$193.350,50
151 01/12/2029 R$2.349,18 R$432,58 R$25,00 R$2.806,76 R$192.506,17
152 01/01/2030 R$2.342,61 R$430,81 R$25,00 R$2.798,42 R$191.661,84
153 01/02/2030 R$2.336,03 R$429,05 R$25,00 R$2.790,08 R$190.817,51
154 01/03/2030 R$2.329,46 R$427,29 R$25,00 R$2.781,75 R$189.973,18
155 01/04/2030 R$2.322,89 R$425,53 R$25,00 R$2.773,42 R$189.128,85
156 01/05/2030 R$2.316,32 R$423,77 R$25,00 R$2.765,09 R$188.284,52
157 01/06/2030 R$2.309,75 R$422,01 R$25,00 R$2.756,76 R$187.440,19
158 01/07/2030 R$2.303,18 R$420,25 R$25,00 R$2.748,43 R$186.595,86
159 01/08/2030 R$2.296,61 R$418,49 R$25,00 R$2.740,10 R$185.751,53
160 01/09/2030 R$2.290,03 R$416,73 R$25,00 R$2.731,76 R$184.907,20
161 01/10/2030 R$2.283,46 R$414,97 R$25,00 R$2.723,43 R$184.062,87
162 01/11/2030 R$2.276,89 R$413,21 R$25,00 R$2.715,10 R$183.218,54
163 01/12/2030 R$2.270,32 R$411,45 R$25,00 R$2.706,77 R$182.374,21
164 01/01/2031 R$2.263,75 R$409,69 R$25,00 R$2.698,44 R$181.529,88
165 01/02/2031 R$2.257,18 R$407,93 R$25,00 R$2.690,11 R$180.685,55
166 01/03/2031 R$2.250,61 R$406,17 R$25,00 R$2.681,78 R$179.841,22
167 01/04/2031 R$2.244,03 R$404,41 R$25,00 R$2.673,44 R$178.996,89
168 01/05/2031 R$2.237,46 R$402,65 R$25,00 R$2.665,11 R$178.152,56
169 01/06/2031 R$2.230,89 R$400,89 R$25,00 R$2.656,78 R$177.308,23
170 01/07/2031 R$2.224,32 R$399,13 R$25,00 R$2.648,45 R$176.463,90
171 01/08/2031 R$2.217,75 R$397,37 R$25,00 R$2.640,12 R$175.619,57
172 01/09/2031 R$2.211,18 R$395,61 R$25,00 R$2.631,79 R$174.775,24

http://www8.caixa.gov.br/siopiinternet/simulaOperacaoInternet.dojsessionid=A14BFA824CD2A5694540FF1D88008DE8?method=enquadrarProdutos 5/11
201751 SimuladorHabitacionalCAIXA

Seguro/ Taxade
N Vencimento Prestao Encargo SaldoDevedor
FGHAB Administrao(TA)
173 01/10/2031 R$2.204,61 R$393,85 R$25,00 R$2.623,46 R$173.930,91
174 01/11/2031 R$2.198,03 R$392,09 R$25,00 R$2.615,12 R$173.086,58
175 01/12/2031 R$2.191,46 R$390,33 R$25,00 R$2.606,79 R$172.242,25
176 01/01/2032 R$2.184,89 R$388,56 R$25,00 R$2.598,45 R$171.397,92
177 01/02/2032 R$2.178,32 R$386,80 R$25,00 R$2.590,12 R$170.553,59
178 01/03/2032 R$2.171,75 R$385,04 R$25,00 R$2.581,79 R$169.709,26
179 01/04/2032 R$2.165,18 R$383,28 R$25,00 R$2.573,46 R$168.864,93
180 01/05/2032 R$2.158,61 R$381,52 R$25,00 R$2.565,13 R$168.020,60
181 01/06/2032 R$2.152,03 R$379,76 R$25,00 R$2.556,79 R$167.176,27
182 01/07/2032 R$2.145,46 R$378,00 R$25,00 R$2.548,46 R$166.331,94
183 01/08/2032 R$2.138,89 R$376,24 R$25,00 R$2.540,13 R$165.487,61
184 01/09/2032 R$2.132,32 R$374,48 R$25,00 R$2.531,80 R$164.643,28
185 01/10/2032 R$2.125,75 R$372,72 R$25,00 R$2.523,47 R$163.798,95
186 01/11/2032 R$2.119,18 R$370,96 R$25,00 R$2.515,14 R$162.954,62
187 01/12/2032 R$2.112,61 R$369,20 R$25,00 R$2.506,81 R$162.110,29
188 01/01/2033 R$2.106,03 R$367,44 R$25,00 R$2.498,47 R$161.265,96
189 01/02/2033 R$2.099,46 R$365,68 R$25,00 R$2.490,14 R$160.421,63
190 01/03/2033 R$2.092,89 R$363,92 R$25,00 R$2.481,81 R$159.577,30
191 01/04/2033 R$2.086,32 R$362,16 R$25,00 R$2.473,48 R$158.732,97
192 01/05/2033 R$2.079,75 R$360,40 R$25,00 R$2.465,15 R$157.888,64
193 01/06/2033 R$2.073,18 R$358,64 R$25,00 R$2.456,82 R$157.044,31
194 01/07/2033 R$2.066,61 R$356,88 R$25,00 R$2.448,49 R$156.199,98
195 01/08/2033 R$2.060,03 R$355,12 R$25,00 R$2.440,15 R$155.355,65
196 01/09/2033 R$2.053,46 R$353,36 R$25,00 R$2.431,82 R$154.511,32
197 01/10/2033 R$2.046,89 R$351,60 R$25,00 R$2.423,49 R$153.666,99
198 01/11/2033 R$2.040,32 R$349,84 R$25,00 R$2.415,16 R$152.822,66
199 01/12/2033 R$2.033,75 R$348,07 R$25,00 R$2.406,82 R$151.978,33
200 01/01/2034 R$2.027,18 R$346,31 R$25,00 R$2.398,49 R$151.134,00
201 01/02/2034 R$2.020,61 R$344,55 R$25,00 R$2.390,16 R$150.289,67
202 01/03/2034 R$2.014,03 R$342,79 R$25,00 R$2.381,82 R$149.445,34
203 01/04/2034 R$2.007,46 R$341,03 R$25,00 R$2.373,49 R$148.601,01
204 01/05/2034 R$2.000,89 R$339,27 R$25,00 R$2.365,16 R$147.756,68
205 01/06/2034 R$1.994,32 R$337,51 R$25,00 R$2.356,83 R$146.912,35
206 01/07/2034 R$1.987,75 R$394,03 R$25,00 R$2.406,78 R$146.068,02
207 01/08/2034 R$1.981,18 R$391,94 R$25,00 R$2.398,12 R$145.223,69
208 01/09/2034 R$1.974,61 R$389,84 R$25,00 R$2.389,45 R$144.379,36
209 01/10/2034 R$1.968,03 R$387,74 R$25,00 R$2.380,77 R$143.535,03
210 01/11/2034 R$1.961,46 R$385,64 R$25,00 R$2.372,10 R$142.690,70
211 01/12/2034 R$1.954,89 R$383,55 R$25,00 R$2.363,44 R$141.846,37
212 01/01/2035 R$1.948,32 R$381,45 R$25,00 R$2.354,77 R$141.002,04
213 01/02/2035 R$1.941,75 R$379,35 R$25,00 R$2.346,10 R$140.157,71
214 01/03/2035 R$1.935,18 R$377,25 R$25,00 R$2.337,43 R$139.313,38

http://www8.caixa.gov.br/siopiinternet/simulaOperacaoInternet.dojsessionid=A14BFA824CD2A5694540FF1D88008DE8?method=enquadrarProdutos 6/11
201751 SimuladorHabitacionalCAIXA

Seguro/ Taxade
N Vencimento Prestao Encargo SaldoDevedor
FGHAB Administrao(TA)
215 01/04/2035 R$1.928,61 R$375,16 R$25,00 R$2.328,77 R$138.469,05
216 01/05/2035 R$1.922,03 R$373,06 R$25,00 R$2.320,09 R$137.624,72
217 01/06/2035 R$1.915,46 R$370,96 R$25,00 R$2.311,42 R$136.780,39
218 01/07/2035 R$1.908,89 R$368,87 R$25,00 R$2.302,76 R$135.936,06
219 01/08/2035 R$1.902,32 R$366,77 R$25,00 R$2.294,09 R$135.091,73
220 01/09/2035 R$1.895,75 R$364,67 R$25,00 R$2.285,42 R$134.247,40
221 01/10/2035 R$1.889,18 R$362,57 R$25,00 R$2.276,75 R$133.403,07
222 01/11/2035 R$1.882,61 R$360,48 R$25,00 R$2.268,09 R$132.558,74
223 01/12/2035 R$1.876,03 R$358,38 R$25,00 R$2.259,41 R$131.714,41
224 01/01/2036 R$1.869,46 R$356,28 R$25,00 R$2.250,74 R$130.870,08
225 01/02/2036 R$1.862,89 R$354,18 R$25,00 R$2.242,07 R$130.025,75
226 01/03/2036 R$1.856,32 R$352,09 R$25,00 R$2.233,41 R$129.181,42
227 01/04/2036 R$1.849,75 R$349,99 R$25,00 R$2.224,74 R$128.337,09
228 01/05/2036 R$1.843,18 R$347,89 R$25,00 R$2.216,07 R$127.492,76
229 01/06/2036 R$1.836,61 R$345,79 R$25,00 R$2.207,40 R$126.648,43
230 01/07/2036 R$1.830,03 R$343,70 R$25,00 R$2.198,73 R$125.804,10
231 01/08/2036 R$1.823,46 R$341,60 R$25,00 R$2.190,06 R$124.959,77
232 01/09/2036 R$1.816,89 R$339,50 R$25,00 R$2.181,39 R$124.115,44
233 01/10/2036 R$1.810,32 R$337,41 R$25,00 R$2.172,73 R$123.271,11
234 01/11/2036 R$1.803,75 R$335,31 R$25,00 R$2.164,06 R$122.426,78
235 01/12/2036 R$1.797,18 R$333,21 R$25,00 R$2.155,39 R$121.582,45
236 01/01/2037 R$1.790,61 R$331,11 R$25,00 R$2.146,72 R$120.738,12
237 01/02/2037 R$1.784,03 R$329,02 R$25,00 R$2.138,05 R$119.893,79
238 01/03/2037 R$1.777,46 R$326,92 R$25,00 R$2.129,38 R$119.049,46
239 01/04/2037 R$1.770,89 R$324,82 R$25,00 R$2.120,71 R$118.205,13
240 01/05/2037 R$1.764,32 R$322,72 R$25,00 R$2.112,04 R$117.360,80
241 01/06/2037 R$1.757,75 R$320,63 R$25,00 R$2.103,38 R$116.516,47
242 01/07/2037 R$1.751,18 R$318,53 R$25,00 R$2.094,71 R$115.672,14
243 01/08/2037 R$1.744,61 R$316,43 R$25,00 R$2.086,04 R$114.827,81
244 01/09/2037 R$1.738,03 R$314,33 R$25,00 R$2.077,36 R$113.983,48
245 01/10/2037 R$1.731,46 R$312,24 R$25,00 R$2.068,70 R$113.139,15
246 01/11/2037 R$1.724,89 R$310,14 R$25,00 R$2.060,03 R$112.294,82
247 01/12/2037 R$1.718,32 R$308,04 R$25,00 R$2.051,36 R$111.450,49
248 01/01/2038 R$1.711,75 R$305,95 R$25,00 R$2.042,70 R$110.606,16
249 01/02/2038 R$1.705,18 R$303,85 R$25,00 R$2.034,03 R$109.761,83
250 01/03/2038 R$1.698,61 R$301,75 R$25,00 R$2.025,36 R$108.917,50
251 01/04/2038 R$1.692,03 R$299,65 R$25,00 R$2.016,68 R$108.073,17
252 01/05/2038 R$1.685,46 R$297,56 R$25,00 R$2.008,02 R$107.228,84
253 01/06/2038 R$1.678,89 R$295,46 R$25,00 R$1.999,35 R$106.384,51
254 01/07/2038 R$1.672,32 R$293,36 R$25,00 R$1.990,68 R$105.540,18
255 01/08/2038 R$1.665,75 R$291,26 R$25,00 R$1.982,01 R$104.695,85
256 01/09/2038 R$1.659,18 R$289,17 R$25,00 R$1.973,35 R$103.851,52

http://www8.caixa.gov.br/siopiinternet/simulaOperacaoInternet.dojsessionid=A14BFA824CD2A5694540FF1D88008DE8?method=enquadrarProdutos 7/11
201751 SimuladorHabitacionalCAIXA

Seguro/ Taxade
N Vencimento Prestao Encargo SaldoDevedor
FGHAB Administrao(TA)
257 01/10/2038 R$1.652,61 R$287,07 R$25,00 R$1.964,68 R$103.007,19
258 01/11/2038 R$1.646,04 R$284,97 R$25,00 R$1.956,01 R$102.162,86
259 01/12/2038 R$1.639,46 R$282,88 R$25,00 R$1.947,34 R$101.318,53
260 01/01/2039 R$1.632,89 R$280,78 R$25,00 R$1.938,67 R$100.474,20
261 01/02/2039 R$1.626,32 R$278,68 R$25,00 R$1.930,00 R$99.629,87
262 01/03/2039 R$1.619,75 R$276,58 R$25,00 R$1.921,33 R$98.785,54
263 01/04/2039 R$1.613,18 R$274,49 R$25,00 R$1.912,67 R$97.941,21
264 01/05/2039 R$1.606,61 R$272,39 R$25,00 R$1.904,00 R$97.096,88
265 01/06/2039 R$1.600,04 R$270,29 R$25,00 R$1.895,33 R$96.252,55
266 01/07/2039 R$1.593,46 R$345,57 R$25,00 R$1.964,03 R$95.408,22
267 01/08/2039 R$1.586,89 R$342,79 R$25,00 R$1.954,68 R$94.563,89
268 01/09/2039 R$1.580,32 R$340,01 R$25,00 R$1.945,33 R$93.719,56
269 01/10/2039 R$1.573,75 R$337,22 R$25,00 R$1.935,97 R$92.875,23
270 01/11/2039 R$1.567,18 R$334,44 R$25,00 R$1.926,62 R$92.030,90
271 01/12/2039 R$1.560,61 R$331,66 R$25,00 R$1.917,27 R$91.186,57
272 01/01/2040 R$1.554,04 R$328,88 R$25,00 R$1.907,92 R$90.342,24
273 01/02/2040 R$1.547,46 R$326,10 R$25,00 R$1.898,56 R$89.497,91
274 01/03/2040 R$1.540,89 R$323,31 R$25,00 R$1.889,20 R$88.653,58
275 01/04/2040 R$1.534,32 R$320,53 R$25,00 R$1.879,85 R$87.809,25
276 01/05/2040 R$1.527,75 R$317,75 R$25,00 R$1.870,50 R$86.964,92
277 01/06/2040 R$1.521,18 R$314,97 R$25,00 R$1.861,15 R$86.120,59
278 01/07/2040 R$1.514,61 R$312,19 R$25,00 R$1.851,80 R$85.276,26
279 01/08/2040 R$1.508,04 R$309,40 R$25,00 R$1.842,44 R$84.431,93
280 01/09/2040 R$1.501,46 R$306,62 R$25,00 R$1.833,08 R$83.587,60
281 01/10/2040 R$1.494,89 R$303,84 R$25,00 R$1.823,73 R$82.743,27
282 01/11/2040 R$1.488,32 R$301,06 R$25,00 R$1.814,38 R$81.898,94
283 01/12/2040 R$1.481,75 R$298,27 R$25,00 R$1.805,02 R$81.054,61
284 01/01/2041 R$1.475,18 R$295,49 R$25,00 R$1.795,67 R$80.210,28
285 01/02/2041 R$1.468,61 R$292,71 R$25,00 R$1.786,32 R$79.365,95
286 01/03/2041 R$1.462,04 R$289,93 R$25,00 R$1.776,97 R$78.521,62
287 01/04/2041 R$1.455,46 R$287,15 R$25,00 R$1.767,61 R$77.677,29
288 01/05/2041 R$1.448,89 R$284,36 R$25,00 R$1.758,25 R$76.832,96
289 01/06/2041 R$1.442,32 R$281,58 R$25,00 R$1.748,90 R$75.988,63
290 01/07/2041 R$1.435,75 R$278,80 R$25,00 R$1.739,55 R$75.144,30
291 01/08/2041 R$1.429,18 R$276,02 R$25,00 R$1.730,20 R$74.299,97
292 01/09/2041 R$1.422,61 R$273,24 R$25,00 R$1.720,85 R$73.455,64
293 01/10/2041 R$1.416,04 R$270,45 R$25,00 R$1.711,49 R$72.611,31
294 01/11/2041 R$1.409,46 R$267,67 R$25,00 R$1.702,13 R$71.766,98
295 01/12/2041 R$1.402,89 R$264,89 R$25,00 R$1.692,78 R$70.922,65
296 01/01/2042 R$1.396,32 R$262,11 R$25,00 R$1.683,43 R$70.078,32
297 01/02/2042 R$1.389,75 R$259,33 R$25,00 R$1.674,08 R$69.233,99
298 01/03/2042 R$1.383,18 R$256,54 R$25,00 R$1.664,72 R$68.389,66

http://www8.caixa.gov.br/siopiinternet/simulaOperacaoInternet.dojsessionid=A14BFA824CD2A5694540FF1D88008DE8?method=enquadrarProdutos 8/11
201751 SimuladorHabitacionalCAIXA

Seguro/ Taxade
N Vencimento Prestao Encargo SaldoDevedor
FGHAB Administrao(TA)
299 01/04/2042 R$1.376,61 R$253,76 R$25,00 R$1.655,37 R$67.545,33
300 01/05/2042 R$1.370,04 R$250,98 R$25,00 R$1.646,02 R$66.701,00
301 01/06/2042 R$1.363,46 R$248,20 R$25,00 R$1.636,66 R$65.856,67
302 01/07/2042 R$1.356,89 R$245,42 R$25,00 R$1.627,31 R$65.012,34
303 01/08/2042 R$1.350,32 R$242,63 R$25,00 R$1.617,95 R$64.168,01
304 01/09/2042 R$1.343,75 R$239,85 R$25,00 R$1.608,60 R$63.323,68
305 01/10/2042 R$1.337,18 R$237,07 R$25,00 R$1.599,25 R$62.479,35
306 01/11/2042 R$1.330,61 R$234,29 R$25,00 R$1.589,90 R$61.635,02
307 01/12/2042 R$1.324,04 R$231,51 R$25,00 R$1.580,55 R$60.790,69
308 01/01/2043 R$1.317,46 R$228,72 R$25,00 R$1.571,18 R$59.946,36
309 01/02/2043 R$1.310,89 R$225,94 R$25,00 R$1.561,83 R$59.102,03
310 01/03/2043 R$1.304,32 R$223,16 R$25,00 R$1.552,48 R$58.257,70
311 01/04/2043 R$1.297,75 R$220,38 R$25,00 R$1.543,13 R$57.413,37
312 01/05/2043 R$1.291,18 R$217,59 R$25,00 R$1.533,77 R$56.569,04
313 01/06/2043 R$1.284,61 R$214,81 R$25,00 R$1.524,42 R$55.724,71
314 01/07/2043 R$1.278,04 R$212,03 R$25,00 R$1.515,07 R$54.880,38
315 01/08/2043 R$1.271,46 R$209,25 R$25,00 R$1.505,71 R$54.036,05
316 01/09/2043 R$1.264,89 R$206,47 R$25,00 R$1.496,36 R$53.191,72
317 01/10/2043 R$1.258,32 R$203,68 R$25,00 R$1.487,00 R$52.347,39
318 01/11/2043 R$1.251,75 R$200,90 R$25,00 R$1.477,65 R$51.503,06
319 01/12/2043 R$1.245,18 R$198,12 R$25,00 R$1.468,30 R$50.658,73
320 01/01/2044 R$1.238,61 R$195,34 R$25,00 R$1.458,95 R$49.814,40
321 01/02/2044 R$1.232,04 R$192,56 R$25,00 R$1.449,60 R$48.970,07
322 01/03/2044 R$1.225,46 R$189,77 R$25,00 R$1.440,23 R$48.125,74
323 01/04/2044 R$1.218,89 R$186,99 R$25,00 R$1.430,88 R$47.281,41
324 01/05/2044 R$1.212,32 R$184,21 R$25,00 R$1.421,53 R$46.437,08
325 01/06/2044 R$1.205,75 R$181,43 R$25,00 R$1.412,18 R$45.592,75
326 01/07/2044 R$1.199,18 R$178,65 R$25,00 R$1.402,83 R$44.748,42
327 01/08/2044 R$1.192,61 R$175,86 R$25,00 R$1.393,47 R$43.904,09
328 01/09/2044 R$1.186,04 R$173,08 R$25,00 R$1.384,12 R$43.059,76
329 01/10/2044 R$1.179,46 R$170,30 R$25,00 R$1.374,76 R$42.215,43
330 01/11/2044 R$1.172,89 R$167,52 R$25,00 R$1.365,41 R$41.371,10
331 01/12/2044 R$1.166,32 R$164,74 R$25,00 R$1.356,06 R$40.526,77
332 01/01/2045 R$1.159,75 R$161,95 R$25,00 R$1.346,70 R$39.682,44
333 01/02/2045 R$1.153,18 R$159,17 R$25,00 R$1.337,35 R$38.838,11
334 01/03/2045 R$1.146,61 R$156,39 R$25,00 R$1.328,00 R$37.993,78
335 01/04/2045 R$1.140,04 R$153,61 R$25,00 R$1.318,65 R$37.149,45
336 01/05/2045 R$1.133,46 R$150,83 R$25,00 R$1.309,29 R$36.305,12
337 01/06/2045 R$1.126,89 R$148,04 R$25,00 R$1.299,93 R$35.460,79
338 01/07/2045 R$1.120,32 R$145,26 R$25,00 R$1.290,58 R$34.616,46
339 01/08/2045 R$1.113,75 R$142,48 R$25,00 R$1.281,23 R$33.772,13
340 01/09/2045 R$1.107,18 R$139,70 R$25,00 R$1.271,88 R$32.927,80

http://www8.caixa.gov.br/siopiinternet/simulaOperacaoInternet.dojsessionid=A14BFA824CD2A5694540FF1D88008DE8?method=enquadrarProdutos 9/11
201751 SimuladorHabitacionalCAIXA

Seguro/ Taxade
N Vencimento Prestao Encargo SaldoDevedor
FGHAB Administrao(TA)
341 01/10/2045 R$1.100,61 R$136,92 R$25,00 R$1.262,53 R$32.083,47
342 01/11/2045 R$1.094,04 R$134,13 R$25,00 R$1.253,17 R$31.239,14
343 01/12/2045 R$1.087,46 R$131,35 R$25,00 R$1.243,81 R$30.394,81
344 01/01/2046 R$1.080,89 R$128,57 R$25,00 R$1.234,46 R$29.550,48
345 01/02/2046 R$1.074,32 R$125,79 R$25,00 R$1.225,11 R$28.706,15
346 01/03/2046 R$1.067,75 R$123,00 R$25,00 R$1.215,75 R$27.861,82
347 01/04/2046 R$1.061,18 R$120,22 R$25,00 R$1.206,40 R$27.017,49
348 01/05/2046 R$1.054,61 R$117,44 R$25,00 R$1.197,05 R$26.173,16
349 01/06/2046 R$1.048,04 R$114,66 R$25,00 R$1.187,70 R$25.328,83
350 01/07/2046 R$1.041,46 R$111,88 R$25,00 R$1.178,34 R$24.484,50
351 01/08/2046 R$1.034,89 R$109,09 R$25,00 R$1.168,98 R$23.640,17
352 01/09/2046 R$1.028,32 R$106,31 R$25,00 R$1.159,63 R$22.795,84
353 01/10/2046 R$1.021,75 R$103,53 R$25,00 R$1.150,28 R$21.951,51
354 01/11/2046 R$1.015,18 R$100,75 R$25,00 R$1.140,93 R$21.107,18
355 01/12/2046 R$1.008,61 R$97,97 R$25,00 R$1.131,58 R$20.262,85
356 01/01/2047 R$1.002,04 R$95,18 R$25,00 R$1.122,22 R$19.418,52
357 01/02/2047 R$995,46 R$92,40 R$25,00 R$1.112,86 R$18.574,19
358 01/03/2047 R$988,89 R$89,62 R$25,00 R$1.103,51 R$17.729,86
359 01/04/2047 R$982,32 R$86,84 R$25,00 R$1.094,16 R$16.885,53
360 01/05/2047 R$975,75 R$84,06 R$25,00 R$1.084,81 R$16.041,20
361 01/06/2047 R$969,18 R$81,27 R$25,00 R$1.075,45 R$15.196,87
362 01/07/2047 R$962,61 R$78,49 R$25,00 R$1.066,10 R$14.352,54
363 01/08/2047 R$956,04 R$75,71 R$25,00 R$1.056,75 R$13.508,21
364 01/09/2047 R$949,46 R$72,93 R$25,00 R$1.047,39 R$12.663,88
365 01/10/2047 R$942,89 R$70,15 R$25,00 R$1.038,04 R$11.819,55
366 01/11/2047 R$936,32 R$67,36 R$25,00 R$1.028,68 R$10.975,22
367 01/12/2047 R$929,75 R$64,58 R$25,00 R$1.019,33 R$10.130,89
368 01/01/2048 R$923,18 R$61,80 R$25,00 R$1.009,98 R$9.286,56
369 01/02/2048 R$916,61 R$59,02 R$25,00 R$1.000,63 R$8.442,23
370 01/03/2048 R$910,04 R$56,24 R$25,00 R$991,28 R$7.597,90
371 01/04/2048 R$903,46 R$53,45 R$25,00 R$981,91 R$6.753,57
372 01/05/2048 R$896,89 R$50,67 R$25,00 R$972,56 R$5.909,24
373 01/06/2048 R$890,32 R$47,89 R$25,00 R$963,21 R$5.064,91
374 01/07/2048 R$883,75 R$45,11 R$25,00 R$953,86 R$4.220,58
375 01/08/2048 R$877,18 R$42,32 R$25,00 R$944,50 R$3.376,25
376 01/09/2048 R$870,61 R$39,54 R$25,00 R$935,15 R$2.531,92
377 01/10/2048 R$864,04 R$36,76 R$25,00 R$925,80 R$1.687,59
378 01/11/2048 R$857,46 R$33,98 R$25,00 R$916,44 R$843,26
379 01/12/2048 R$849,82 R$0,00 R$25,00 R$874,82 R$0,00
Esta planilha uma simulao matemtica para demonstrao da evoluo terica dos valores utilizados no clculo do
Custo Efetivo Total (CET), em atendimento ao que dispem as Resolues 3.517 e 3.909 do Conselho Monetrio Nacional
(CMN). De acordo com o Pargrafo 3 do Artigo 1 da Resoluo 3.517 o Clculo do CET no considera taxas flutuantes,
ndice de preos ou outros referenciais de remunerao cujo valor se altere no decorrer do prazo da operao, portanto,

http://www8.caixa.gov.br/siopiinternet/simulaOperacaoInternet.dojsessionid=A14BFA824CD2A5694540FF1D88008DE8?method=enquadrarProdutos 10/11
201751 SimuladorHabitacionalCAIXA

os valores acima esto sujeitos alterao em decorrncia da aplicao das atualizaes monetrias previstas no contrato
de financiamento. Solicitao de alterao de Data de Vencimento de Encargo Mensal aps a contratao implica em
cobrana de juros e atualizao monetria proporcional quantidade de dias decorridos entre a Data de Vencimento
original do encargo e a nova data. A contratao est condicionada disponibilidade de recursos para sua regio e ao
atendimento das exigncias referentes s regras do financiamento habitacional bem como apurao da capacidade de
pagamento e aprovao da anlise de crdito a ser efetuada pela CAIXA.

http://www8.caixa.gov.br/siopiinternet/simulaOperacaoInternet.dojsessionid=A14BFA824CD2A5694540FF1D88008DE8?method=enquadrarProdutos 11/11