VERSÃO DEMO - Cálculo REVISIONAL

PCFH_REVISIONAL - PLANILHA DE CLCULO REVISIONAL DE FINANCIAMENTO HABITACIONAL
Juros Compostos , Lei 4.380/64 art. 6. alnea "c" e Juros Simples.
Eng./ Analista de Sist. Demtrio Antunes Bassili
NESTA VERSO DEMO OS CAMPOS EM COR VERDE NO PERMITEM A ENTRADA DE DADOS

NA VERSO ORIGINAL PERMITIDA A ENTRADA DE DADOS, PORM AS CLULAS COM FRMULAS
ESTARO OCULTAS E BLOQUEADAS ( DIREITO AUTORAL )
NDICE
- INTRODUO DOS VALORES

- JUROS COMPOSTOS
Quadro de Evoluo do Saldo Devedor baseado em regime de JUROS COMPOSTOS
- TOTAL ( Juros Compostos )

Totalizao dos valores do quadro anterior ( Juros Compostos )
- L. 4.380-64 1. INTERPRETAO
Quadro de Evoluo do Saldo Devedor baseado na
LEI 4.380/64 art. 6. alnea "c" => 1. INTERPRETAO
- TOTAL ( 1. Interpretao )
Totalizao dos valores do quadro anterior ( 1. Interpretao )
- JUROS SIMPLES
Quadro de Evoluo do Saldo Devedor baseado em regime de Juros Simples
- TOTAL ( Juros Simples )

Totalizao dos valores do quadro anterior ( Juros Simples )
- DEVOLUO
- MOEDAS
- OBS.- JUROS NO CAPITALIZADOS
- Var.% dos Indexadores da Poup.
Fonte: Banco Central
Var.% dos Indexadores de Correo Monetria da Poupana desde JUL - 70
- TR - Diria_1 - 28
Fonte: Banco Central
TR - Diria _ 1 - 28 desde FEV - 91
- Var.% C. Monet. FH_RFGTS
Fonte: Caixa Econmica Federal
Var.% do Indexador de Correo Monetria para os Financiamentos Habitacionais

com recursos do Fundo de Garantia por Tempo de Servio desde JUN - 91 at
SET - 95 ( em seguida utiliza-se a TR " MENSAL " ).
- Var.% I N P C ( IBGE )
Fonte: IBGE
Var.% do INPC ( NDICE NACIONAL DE PREOS AO CONSUMIDOR - IBGE ) desde ABR - 79
- Var.% I G P - D I ( FGV )
Fonte: FGV
Var.% do IGP - DI ( NDICE GERAL DE PREOS AO CONSUMIDOR EM DISPONIBILIDADE

desde JUL - 83
INTERNA - FGV )
- Var.% I G P - M ( FGV )
Fonte: FGV
Var.% do IGP - M ( NDICE GERAL DE PREOS NO MERCADO - FGV ) desde JUN - 89
- Var.% I N C C - D I ( FGV )
Fonte: FGV
Var.% do INCC - DI ( NDICE NACIONAL DO CUSTO DA CONSTRUO EM DISPONIBILIDADE

desde JAN - 84
INTERNA - FGV )
- PLANO REAL
- CPLC ( Juros Compostos )
Clculo das Prestaes Lquidas Constantes de acordo com o Sistema Price
baseado no regime de Juros Compostos ( refinanciamentos ou financiamentos )
- CPLC ( 2. Interpretao )
Clculo das Prestaes Lquidas Constantes de acordo com a 2. Interpretao do
art. 6. alnea "c" da Lei 4.380/64 ( refinanciamentos ou financiamentos )
- CPLC ( Refin. Juros Simples )

Clculo das Prestaes Lquidas Constantes a partir do Principal Devido para a
utilizao exclusiva em REFINANCIAMENTOS baseados em Juros Simples
OS CAMPOS EM COR VERDE NO PERMITEM A ENTRADA DE DADOS NESTA VERSO DEMONSTRATIVA
INTRODUO DOS VALORES
ATENO :
=>
ANTES DE PROSSEGUIR NO DEIXE DE LER A SEO DESTA PLANILHA DENOMINADA COMO

" OBS.- JUROS NO CAPITALIZADOS ". ATRAVS DO NDICE PODE-SE FACILMENTE VER SUA
LOCALIZAO NESTE ARQUIVO.
=>
AS PRESTAES LQUIDAS SERO CALCULADAS A PARTIR DAS PMTs INTRODUZIDAS E DEMAIS ENCARGOS. CASO DESEJAR INTRODUZIR OS VALORES DAS PRESTAES LQUIDAS, DIGITE OS MESMOS NO
CAMPO PMT E O VALOR ZERO PARA TODOS OS ENCARGOS. ASSIM A PRESTAO LQUIDA SER IGUAL
PMT.
Caracterstica:
Sistema de Amortizao : Irrelevante.
PMT : Introduzida pelo usurio.
Saldo : Corrigido pelo campo % ( 4 ) .
MPI : Introduzido pelo usurio.
DFI : Introduzido pelo usurio.
SC : Introduzido pelo usurio.
FCVS : Introduzido pelo usurio.
TS : Introduzida pelo usurio.
Legenda:
DCV : Divisor de Converso de Valor ( moeda )
1 - Juros
2 - Prestao Lquida ( para diminuio do saldo )
4 - Saldo Devedor
5 - Seguro de Morte ou Permanente Invalidez ( MPI )
6 - Seguro de Danos Fsicos do Imvel ( DFI )
7 - Seguro de Crdito ( SC )
8 - Fundo de Compensao de Variaes Salariais ( FCVS )
9 - Taxa de Servio ou Taxa de Administrao ( TS )
10 - Prestao Mensal Total ( PMT )
Introduo dos dados iniciais ( nos campos em cor azul possvel a entrada de dados ).
12% por 360 dias equivalente a 0,948879% por 30 dias

12% por 360 dias proporcional a 1% por 30 dias
1.000000%
200,000.00
180
Taxa de Juros por 30 dias

valor Financiado
Quantidade de Prestaes
Para facilitar a observao do Quadro de Amortizao,

no deixe de preencher os campos abaixo.
11
1994
Nmero do ms ( 1. linha do Quadro de Amortiz. )

Ano ( 1. linha do Quadro de Amortizao )
Posio ms a ms do financiamento.
No imprima diretamente esta seo, proceda da seguinte forma:

Selecione "arrastando" com o mouse a rea que deseja imprimir, depois pressione as
teclas Ctrl + P e no tem Imprimir clique em Seleo.
Quadro de Amortizao
Ateno :
No campo 10, introduza o valor da Prestao Mensal Total.
DCV
%( 4 )
MPI
DFI
SC
FCVS
10
TS
PMT
1 11 1994
2.5551
127.00
22.20
205.11
0.00
12.00
3,556.91
2 12
2.9210
130.71
22.85
209.93
0.00
12.35
3,647.91
1 1995
2.8731
134.47
23.51
214.75
0.00
12.70
3,739.45
2.1013
137.30
24.00
218.03
0.00
12.97
3,804.48
1.8531
139.84
24.44
220.82
0.00
13.21
3,861.18
2.2998
143.06
25.00
224.62
0.00
13.51
3,935.85
3.4667
148.02
25.87
231.07
0.00
13.98
4,057.68
3.2471
152.83
26.71
237.21
0.00
14.43
4,174.37
2.8863
157.24
27.48
242.64
0.00
14.85
4,279.33
10
2.9905
161.94
28.30
248.44
0.00
15.29
4,391.31
11
2.6045
166.16
29.04
253.43
0.00
15.69
4,489.30
12 10
1.9393
169.38
29.60
256.82
0.00
15.99
4,559.64
13 11
1.6540
172.18
30.09
259.52
0.00
16.25
4,618.05
14 12
1.4387
174.66
30.52
261.69
0.00
16.48
4,667.26
15
1 1996
1.3400
177.00
30.93
263.61
0.00
16.70
4,712.32
16
1.2526
179.22
31.32
265.30
0.00
16.91
4,753.66
17
0.9625
180.94
31.62
266.23
0.00
17.07
4,781.55
18
0.8139
182.41
31.88
266.76
0.00
17.21
4,802.47
19
0.6597
183.61
32.09
266.88
0.00
17.32
4,816.03
20
0.5888
184.69
32.28
266.79
0.00
17.42
4,826.16
21
0.6099
185.82
32.48
266.75
0.00
17.53
4,837.26
22
0.5851
186.91
32.67
266.63
0.00
17.63
4,847.12
DCV
23
%( 4 )
MPI
DFI
SC
FCVS
10
TS
PMT
0.6275
188.08
32.88
266.62
0.00
17.74
4,858.98
24 10
0.6620
189.33
33.10
266.69
0.00
17.86
4,872.46
25 11
0.7419
190.73
33.35
266.95
0.00
17.99
4,889.78
26 12
0.8146
192.28
33.62
267.40
0.00
18.14
4,910.63
27
1 1997
0.8717
193.96
33.91
267.99
0.00
18.30
4,934.30
28
0.7440
195.40
34.16
268.23
0.00
18.44
4,951.73
29
0.6616
196.69
34.39
268.24
0.00
18.56
4,965.08
30
0.6316
197.93
34.61
268.16
0.00
18.68
4,976.91
31
0.6211
199.16
34.82
268.04
0.00
18.80
4,988.16
32
0.6354
200.43
35.04
267.95
0.00
18.92
5,000.09
33
0.6535
201.74
35.27
267.89
0.00
19.04
5,012.84
34
0.6580
203.07
35.50
267.83
0.00
19.17
5,025.79
35
0.6270
204.34
35.72
267.67
0.00
19.29
5,037.12
36 10
0.6474
205.66
35.95
267.56
0.00
19.41
5,049.43
37 11
0.6553
207.01
36.19
267.46
0.00
19.54
5,062.10
38 12
1.5334
210.18
36.74
269.67
0.00
19.84
5,118.97
39
1 1998
1.3085
212.93
37.22
271.29
0.00
20.10
5,164.94
40
1.1459
215.37
37.65
272.47
0.00
20.33
5,202.87
41
0.4461
216.33
37.82
271.74
0.00
20.42
5,204.73
42
0.8995
218.28
38.16
272.23
0.00
20.60
5,229.99
43
0.4720
219.31
38.34
271.54
0.00
20.70
5,233.03
44
0.4543
220.31
38.51
270.80
0.00
20.79
5,235.06
45
0.4913
221.39
38.70
270.15
0.00
20.89
5,238.94
46
0.5503
222.61
38.91
269.63
0.00
21.00
5,245.78
47
0.3749
223.44
39.06
268.64
0.00
21.08
5,243.40
48 10
0.4512
224.45
39.24
267.84
0.00
21.18
5,244.92
49 11
0.8892
226.45
39.59
268.19
0.00
21.37
5,269.22
50 12
0.6136
227.84
39.83
267.79
0.00
21.50
5,279.06
51
1 1999
0.7434
229.53
40.13
267.72
0.00
21.66
5,295.66
52
0.5163
230.72
40.34
267.03
0.00
21.77
5,300.21
53
0.8298
232.63
40.67
267.16
0.00
21.95
5,321.23
54
1.1614
235.33
41.14
268.15
0.00
22.20
5,359.80
55
0.6092
236.76
41.39
267.66
0.00
22.34
5,369.08
56
0.5761
238.12
41.63
267.07
0.00
22.47
5,376.52
57
0.3108
238.86
41.76
265.76
0.00
22.54
5,369.66
58
0.2933
239.56
41.88
264.39
0.00
22.61
5,361.77
DCV
59
%( 4 )
MPI
DFI
SC
FCVS
10
TS
PMT
0.2945
240.27
42.00
263.01
0.00
22.68
5,353.85
60 10
0.2715
240.92
42.11
261.56
0.00
22.74
5,344.60
61 11
0.2265
241.47
42.21
259.99
0.00
22.79
5,332.87
62 12
0.1998
241.95
42.29
258.34
0.00
22.84
5,319.64
63
1 2000
0.2998
242.68
42.42
256.93
0.00
22.91
5,311.64
64
0.2149
243.20
42.51
255.30
0.00
22.96
5,299.06
65
0.2328
243.77
42.61
253.71
0.00
23.01
5,287.34
66
0.2242
244.32
42.71
252.09
0.00
23.06
5,275.09
67
0.1301
244.64
42.77
250.22
0.00
23.09
5,257.82
68
0.2492
245.25
42.88
248.64
0.00
23.15
5,246.72
69
0.2140
245.77
42.97
246.97
0.00
23.20
5,233.69
70
0.1547
246.15
43.04
245.14
0.00
23.24
5,217.48
71
0.2025
246.65
43.13
243.43
0.00
23.29
5,203.72
72 10
0.1038
246.91
43.17
241.46
0.00
23.31
5,184.74
73 11
0.1316
247.23
43.23
239.56
0.00
23.34
5,167.17
74 12
0.1197
247.53
43.28
237.63
0.00
23.37
5,148.93
75
1 2001
0.0991
247.78
43.32
235.64
0.00
23.39
5,129.58
76
0.1369
248.12
43.38
233.74
0.00
23.42
5,112.12
77
0.0368
248.21
43.40
231.60
0.00
23.43
5,089.52
78
0.1724
248.64
43.47
229.77
0.00
23.47
5,073.75
79
0.1546
249.02
43.54
227.89
0.00
23.51
5,057.00
80
0.1827
249.47
43.62
226.07
0.00
23.55
5,041.62
81
0.1458
249.83
43.68
224.15
0.00
23.58
5,024.29
82
0.2441
250.44
43.79
222.45
0.00
23.64
5,011.85
83
0.3436
251.30
43.94
220.96
0.00
23.72
5,004.27
84 10
0.1627
251.71
44.01
219.06
0.00
23.76
4,987.57
85 11
0.0000
251.71
44.01
216.81
0.00
23.76
4,962.74
86 12
0.0000
251.71
44.01
214.55
0.00
23.76
4,937.90
87
1 2002
0.0000
251.71
44.01
212.29
0.00
23.76
4,913.06
88
0.0000
251.71
44.01
210.03
0.00
23.76
4,888.19
89
0.0000
251.71
44.01
207.77
0.00
23.76
4,863.35
90
0.0000
251.71
44.01
205.51
0.00
23.76
4,838.51
91
0.0000
251.71
44.01
203.26
0.00
23.76
4,813.68
92
0.0000
251.71
44.01
201.00
0.00
23.76
4,788.84
93
0.0000
251.71
44.01
198.74
0.00
23.76
4,764.00
94
0.0000
251.71
44.01
196.48
0.00
23.76
4,739.15
DCV
95
%( 4 )
MPI
DFI
SC
FCVS
10
TS
PMT
0.0000
251.71
44.01
194.22
0.00
23.76
4,714.31
96 10
0.0000
251.71
44.01
191.96
0.00
23.76
4,689.47
97 11
0.0000
251.71
44.01
189.71
0.00
23.76
4,664.62
98 12
0.0000
251.71
44.01
187.45
0.00
23.76
4,639.78
99
1 2003
0.0000
251.71
44.01
185.19
0.00
23.76
4,614.94
100
0.0000
251.71
44.01
182.93
0.00
23.76
4,590.09
101
0.0000
251.71
44.01
180.67
0.00
23.76
4,565.25
102
0.0000
251.71
44.01
178.41
0.00
23.76
4,540.41
103
0.0000
251.71
44.01
176.15
0.00
23.76
4,515.57
104
0.0000
251.71
44.01
173.90
0.00
23.76
4,490.74
105
0.0000
251.71
44.01
171.64
0.00
23.76
4,465.90
106
0.0000
251.71
44.01
169.38
0.00
23.76
4,441.03
107
0.0000
251.71
44.01
167.12
0.00
23.76
4,416.19
108 10
0.0000
251.71
44.01
164.86
0.00
23.76
4,391.35
109 11
0.0000
251.71
44.01
162.60
0.00
23.76
4,366.51
110 12
0.0000
251.71
44.01
160.35
0.00
23.76
4,341.68
111
1 2004
0.0000
251.71
44.01
158.09
0.00
23.76
4,316.84
112
0.0000
251.71
44.01
155.83
0.00
23.76
4,291.99
113
0.0000
251.71
44.01
153.57
0.00
23.76
4,267.15
114
0.0000
251.71
44.01
151.31
0.00
23.76
4,242.31
115
0.0000
251.71
44.01
149.05
0.00
23.76
4,217.45
116
0.0000
251.71
44.01
146.80
0.00
23.76
4,192.62
117
0.0000
251.71
44.01
144.54
0.00
23.76
4,167.78
118
0.0000
251.71
44.01
142.28
0.00
23.76
4,142.93
119
0.0000
251.71
44.01
140.02
0.00
23.76
4,118.09
120 10
0.0000
251.71
44.01
137.76
0.00
23.76
4,093.25
121 11
0.0000
251.71
44.01
135.50
0.00
23.76
4,068.41
122 12
0.0000
251.71
44.01
133.25
0.00
23.76
4,043.58
123
1 2005
0.0000
251.71
44.01
130.99
0.00
23.76
4,018.74
124
0.0000
251.71
44.01
128.73
0.00
23.76
3,993.87
125
0.0000
251.71
44.01
126.47
0.00
23.76
3,969.03
126
0.0000
251.71
44.01
124.21
0.00
23.76
3,944.19
127
0.0000
251.71
44.01
121.95
0.00
23.76
3,919.35
128
0.0000
251.71
44.01
119.70
0.00
23.76
3,894.52
129
0.0000
251.71
44.01
117.44
0.00
23.76
3,869.68
130
0.0000
251.71
44.01
115.18
0.00
23.76
3,844.83
DCV
131
%( 4 )
MPI
DFI
SC
FCVS
10
TS
PMT
0.0000
251.71
44.01
112.92
0.00
23.76
3,819.99
132 10
0.0000
251.71
44.01
110.66
0.00
23.76
3,795.15
133 11
0.0000
251.71
44.01
108.40
0.00
23.76
3,770.29
134 12
0.0000
251.71
44.01
106.14
0.00
23.76
3,745.45
135
1 2006
0.0000
251.71
44.01
103.89
0.00
23.76
3,720.62
136
0.0000
251.71
44.01
101.63
0.00
23.76
3,695.77
137
0.0000
251.71
44.01
99.37
0.00
23.76
3,670.93
138
0.0000
251.71
44.01
97.11
0.00
23.76
3,646.09
139
0.0000
251.71
44.01
94.85
0.00
23.76
3,621.25
140
0.0000
251.71
44.01
92.59
0.00
23.76
3,596.41
141
0.0000
251.71
44.01
90.34
0.00
23.76
3,571.58
142
0.0000
251.71
44.01
88.08
0.00
23.76
3,546.71
143
0.0000
251.71
44.01
85.82
0.00
23.76
3,521.87
144 10
0.0000
251.71
44.01
83.56
0.00
23.76
3,497.03
145 11
0.0000
251.71
44.01
81.30
0.00
23.76
3,472.19
146 12
0.0000
251.71
44.01
79.04
0.00
23.76
3,447.35
147
1 2007
0.0000
251.71
44.01
76.79
0.00
23.76
3,422.52
148
0.0000
251.71
44.01
74.53
0.00
23.76
3,397.67
149
0.0000
251.71
44.01
72.27
0.00
23.76
3,372.83
150
0.0000
251.71
44.01
70.01
0.00
23.76
3,347.99
151
0.0000
251.71
44.01
67.75
0.00
23.76
3,323.15
152
0.0000
251.71
44.01
65.49
0.00
23.76
3,298.29
153
0.0000
251.71
44.01
63.24
0.00
23.76
3,273.46
154
0.0000
251.71
44.01
60.98
0.00
23.76
3,248.61
155
0.0000
251.71
44.01
58.72
0.00
23.76
3,223.77
156 10
0.0000
251.71
44.01
56.46
0.00
23.76
3,198.93
157 11
0.0000
251.71
44.01
54.20
0.00
23.76
3,174.09
158 12
0.0000
251.71
44.01
51.94
0.00
23.76
3,149.25
159
1 2008
0.0000
251.71
44.01
49.69
0.00
23.76
3,124.42
160
0.0000
251.71
44.01
47.43
0.00
23.76
3,099.57
161
0.0000
251.71
44.01
45.17
0.00
23.76
3,074.71
162
0.0000
251.71
44.01
42.91
0.00
23.76
3,049.87
163
0.0000
251.71
44.01
40.65
0.00
23.76
3,025.03
164
0.0000
251.71
44.01
38.39
0.00
23.76
3,000.19
165
0.0000
251.71
44.01
36.13
0.00
23.76
2,975.35
166
0.0000
251.71
44.01
33.88
0.00
23.76
2,950.51
DCV
167
%( 4 )
MPI
DFI
SC
FCVS
10
TS
PMT
0.0000
251.71
44.01
31.62
0.00
23.76
2,925.67
168 10
0.0000
251.71
44.01
29.36
0.00
23.76
2,900.83
169 11
0.0000
251.71
44.01
27.10
0.00
23.76
2,875.99
170 12
0.0000
251.71
44.01
24.84
0.00
23.76
2,851.13
171
1 2009
0.0000
251.71
44.01
22.58
0.00
23.76
2,826.28
172
0.0000
251.71
44.01
20.33
0.00
23.76
2,801.45
173
0.0000
251.71
44.01
18.07
0.00
23.76
2,776.61
174
0.0000
251.71
44.01
15.81
0.00
23.76
2,751.77
175
0.0000
251.71
44.01
13.55
0.00
23.76
2,726.93
176
0.0000
251.71
44.01
11.29
0.00
23.76
2,702.09
177
0.0000
251.71
44.01
9.03
0.00
23.76
2,677.25
178
0.0000
251.71
44.01
6.78
0.00
23.76
2,652.41
179
0.0000
251.71
44.01
4.52
0.00
23.76
2,627.55
180 10
0.0000
251.71
44.01
2.26
0.00
23.76
2,602.71
181
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
182
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
183
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
184
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
185
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
186
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
187
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
188
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
189
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
190
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
191
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
192
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
193
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
194
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
195
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
196
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
197
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
198
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
199
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
200
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
201
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
202
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
DCV
%( 4 )
MPI
DFI
SC
FCVS
10
TS
PMT
203
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
204
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
205
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
206
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
207
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
208
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
209
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
210
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
211
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
212
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
213
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
214
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
215
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
216
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
217
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
218
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
219
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
220
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
221
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
222
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
223
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
224
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
225
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
226
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
227
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
228
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
229
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
230
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
231
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
232
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
233
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
234
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
235
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
236
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
237
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
238
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
DCV
%( 4 )
MPI
DFI
SC
FCVS
10
TS
PMT
239
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
240
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
241
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
242
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
243
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
244
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
245
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
246
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
247
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
248
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
249
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
250
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
251
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
252
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
253
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
254
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
255
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
256
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
257
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
258
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
259
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
260
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
261
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
262
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
263
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
264
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
265
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
266
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
267
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
268
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
269
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
270
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
271
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
272
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
273
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
274
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
DCV
%( 4 )
MPI
DFI
SC
FCVS
10
TS
PMT
275
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
276
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
277
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
278
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
279
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
280
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
281
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
282
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
283
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
284
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
285
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
286
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
287
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
288
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
289
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
290
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
291
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
292
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
293
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
294
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
295
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
296
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
297
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
298
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
299
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
300
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
301
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
302
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
303
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
304
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
305
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
306
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
307
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
308
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
309
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
310
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
DCV
%( 4 )
MPI
DFI
SC
FCVS
10
TS
PMT
311
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
312
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
313
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
314
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
315
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
316
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
317
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
318
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
319
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
320
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
321
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
322
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
323
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
324
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
325
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
326
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
327
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
328
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
329
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
330
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
331
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
332
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
333
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
334
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
335
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
336
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
337
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
338
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
339
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
340
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
341
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
342
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
343
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
344
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
345
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
346
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
DCV
%( 4 )
MPI
DFI
SC
FCVS
10
TS
PMT
347
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
348
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
349
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
350
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
351
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
352
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
353
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
354
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
355
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
356
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
357
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
358
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
359
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
360
0.0000
0.00
0.00
0.00
0.00
0.00
0.00
Quadro de Evoluo do Saldo Devedor baseado em regime de JUROS COMPOSTOS
Caracterstica:
Saldo a Amortizar para o clculo dos Juros e conseqente Saldo
Devedor : Corrigido pelo campo % ( 4 ) .
Legenda:
1 - Juros
2 - Prestao Lquida ( para amortizao )
3 - Amortizao
4 - Saldo Devedor
ATENO :
=>
EM TODAS AS SEES DE TODAS AS PLANILHAS, TODO SALDO DEVEDOR NEGATIVO NO

CORRESPONDE AO VALOR EXCEDENTE A SER DEVOLVIDO . OS JUROS FORAM APLICADOS
MESMO APS A MUDANA DE SINAL . O OBJETIVO MANTER O CRITRIO DE CLCULO EM
TODAS AS LINHAS DE TODOS OS TIPOS DIFERENTES DE QUADROS PARA NO CAUSAR
CONFUSO AO USURIO .
DESTA FORMA, PARA A RPIDA DETERMINAO DO VALOR ( APENAS CORRIGIDO ) A SER
DEVOLVIDO, DEVE-SE COPIAR PARA A SEO
DEVOLUO TODAS OS VALORES DAS
PRESTAES PAGAS EM EXCESSO DE ACORDO COM O CLCULO . INCLUSIVE CONSIDERANDO

O PRIMEIRO SALDO NEGATIVO COMO O VALOR INICIAL A SER ATUALIZADO ( ALTERADO DEPOIS
DA CPIA PARA POSITIVO NA SEO ) .
ESTE VALOR
DEVE
ESTAR SITUADO NO MS
ANTERIOR AO DA PRIMEIRA PRESTAO PAGA EM EXCESSO ( DA RELAO DE PRESTAES

PAGAS A PARTIR DO MS SEGUINTE AO PRIMEIRO SALDO NEGATIVO PROVENIENTES DO MESMO
QUADRO DE ORIGEM COPIADAS PARA A SEO DEVOLUO ) .
FINALMENTE,
BASTANDO APENAS COPIAR ( E SE PRECISO ACRESCENTAR ) AS VARIAES
PERCENTUAIS DE CORREO MONETRIA DO QUADRO DE ORIGEM .
Dados iniciais.

1.000000%
200,000.00
180
11
1994

valor Financiado

DCV
%(4)
10
MPI
DFI
SC
FCVS
TS
PMT
JUROS
PREST. LQ.
AMORTIZ.
SALDO DEV.
1 11 1994
2.5551
127.00
22.20
205.11
0.00
12.00
3,556.91
2,051.10
3,190.60
1,139.50
203,970.70
2 12
2.9210
130.71
22.85
209.93
0.00
12.35
3,647.91
2,099.29
3,272.07
1,172.78
208,755.90
1 1995
2.8731
134.47
23.51
214.75
0.00
12.70
3,739.45
2,147.54
3,354.02
1,206.48
213,547.19
2.1013
137.30
24.00
218.03
0.00
12.97
3,804.48
2,180.34
3,412.18
1,231.84
216,802.62
1.8531
139.84
24.44
220.82
0.00
13.21
3,861.18
2,208.20
3,462.87
1,254.67
219,565.52
2.2998
143.06
25.00
224.62
0.00
13.51
3,935.85
2,246.15
3,529.66
1,283.51
223,331.58
3.4667
148.02
25.87
231.07
0.00
13.98
4,057.68
2,310.74
3,638.74
1,328.00
229,745.82
3.2471
152.83
26.71
237.21
0.00
14.43
4,174.37
2,372.06
3,743.19
1,371.13
235,834.77
2.8863
157.24
27.48
242.64
0.00
14.85
4,279.33
2,426.42
3,837.12
1,410.70
241,230.97
10
2.9905
161.94
28.30
248.44
0.00
15.29
4,391.31
2,484.45
3,937.34
1,452.89
246,992.09
11
2.6045
166.16
29.04
253.43
0.00
15.69
4,489.30
2,534.25
4,024.98
1,490.73
251,934.27
12 10
1.9393
169.38
29.60
256.82
0.00
15.99
4,559.64
2,568.20
4,087.85
1,519.65
255,300.38
13 11
1.6540
172.18
30.09
259.52
0.00
16.25
4,618.05
2,595.23
4,140.01
1,544.78
257,978.27
14 12
1.4387
174.66
30.52
261.69
0.00
16.48
4,667.26
2,616.90
4,183.91
1,567.01
260,122.79
15
1 1996
1.3400
177.00
30.93
263.61
0.00
16.70
4,712.32
2,636.08
4,224.08
1,588.00
262,020.44
16
1.2526
179.22
31.32
265.30
0.00
16.91
4,753.66
2,653.03
4,260.91
1,607.88
263,694.63
17
0.9625
180.94
31.62
266.23
0.00
17.07
4,781.55
2,662.33
4,285.69
1,623.36
264,609.33
18
0.8139
182.41
31.88
266.76
0.00
17.21
4,802.47
2,667.63
4,304.21
1,636.58
265,126.41
19
0.6597
183.61
32.09
266.88
0.00
17.32
4,816.03
2,668.75
4,316.13
1,647.38
265,228.07
20
0.5888
184.69
32.28
266.79
0.00
17.42
4,826.16
2,667.90
4,324.98
1,657.08
265,132.65
21
0.6099
185.82
32.48
266.75
0.00
17.53
4,837.26
2,667.50
4,334.68
1,667.18
265,082.51
22
0.5851
186.91
32.67
266.63
0.00
17.63
4,847.12
2,666.34
4,343.28
1,676.94
264,956.57
23
0.6275
188.08
32.88
266.62
0.00
17.74
4,858.98
2,666.19
4,353.66
1,687.47
264,931.70
24 10
0.6620
189.33
33.10
266.69
0.00
17.86
4,872.46
2,666.86
4,365.48
1,698.62
264,986.93
25 11
0.7419
190.73
33.35
266.95
0.00
17.99
4,889.78
2,669.53
4,380.76
1,711.23
265,241.64
DCV
%(4)
10
MPI
DFI
SC
FCVS
TS
PMT
JUROS
PREST. LQ.
AMORTIZ.
SALDO DEV.
26 12
0.8146
192.28
33.62
267.40
0.00
18.14
4,910.63
2,674.02
4,399.19
1,725.17
265,677.13
27
1 1997
0.8717
193.96
33.91
267.99
0.00
18.30
4,934.30
2,679.93
4,420.14
1,740.21
266,252.83
28
0.7440
195.40
34.16
268.23
0.00
18.44
4,951.73
2,682.34
4,435.50
1,753.16
266,480.59
29
0.6616
196.69
34.39
268.24
0.00
18.56
4,965.08
2,682.44
4,447.20
1,764.76
266,478.87
30
0.6316
197.93
34.61
268.16
0.00
18.68
4,976.91
2,681.62
4,457.53
1,775.91
266,386.04
31
0.6211
199.16
34.82
268.04
0.00
18.80
4,988.16
2,680.41
4,467.34
1,786.93
266,253.63
32
0.6354
200.43
35.04
267.95
0.00
18.92
5,000.09
2,679.45
4,477.75
1,798.30
266,147.11
33
0.6535
201.74
35.27
267.89
0.00
19.04
5,012.84
2,678.86
4,488.90
1,810.04
266,076.34
34
0.6580
203.07
35.50
267.83
0.00
19.17
5,025.79
2,678.27
4,500.22
1,821.95
266,005.17
35
0.6270
204.34
35.72
267.67
0.00
19.29
5,037.12
2,676.73
4,510.10
1,833.37
265,839.65
36 10
0.6474
205.66
35.95
267.56
0.00
19.41
5,049.43
2,675.61
4,520.85
1,845.24
265,715.46
37 11
0.6553
207.01
36.19
267.46
0.00
19.54
5,062.10
2,674.57
4,531.90
1,857.33
265,599.36
38 12
1.5334
210.18
36.74
269.67
0.00
19.84
5,118.97
2,696.72
4,582.54
1,885.82
267,786.24
39
1 1998
1.3085
212.93
37.22
271.29
0.00
20.10
5,164.94
2,712.90
4,623.40
1,910.50
269,379.72
40
1.1459
215.37
37.65
272.47
0.00
20.33
5,202.87
2,724.67
4,657.05
1,932.38
270,534.16
41
0.4461
216.33
37.82
271.74
0.00
20.42
5,204.73
2,717.41
4,658.42
1,941.01
269,800.00
42
0.8995
218.28
38.16
272.23
0.00
20.60
5,229.99
2,722.27
4,680.72
1,958.45
270,268.40
43
0.4720
219.31
38.34
271.54
0.00
20.70
5,233.03
2,715.44
4,683.14
1,967.70
269,576.37
44
0.4543
220.31
38.51
270.80
0.00
20.79
5,235.06
2,708.01
4,684.65
1,976.64
268,824.42
45
0.4913
221.39
38.70
270.15
0.00
20.89
5,238.94
2,701.45
4,687.81
1,986.36
268,158.79
46
0.5503
222.61
38.91
269.63
0.00
21.00
5,245.78
2,696.34
4,693.63
1,997.29
267,637.18
47
0.3749
223.44
39.06
268.64
0.00
21.08
5,243.40
2,686.41
4,691.18
2,004.77
266,635.78
48 10
0.4512
224.45
39.24
267.84
0.00
21.18
5,244.92
2,678.39
4,692.21
2,013.82
265,825.02
49 11
0.8892
226.45
39.59
268.19
0.00
21.37
5,269.22
2,681.89
4,713.62
2,031.73
266,157.01
50 12
0.6136
227.84
39.83
267.79
0.00
21.50
5,279.06
2,677.90
4,722.10
2,044.20
265,745.95
51
1 1999
0.7434
229.53
40.13
267.72
0.00
21.66
5,295.66
2,677.22
4,736.62
2,059.40
265,662.11
52
0.5163
230.72
40.34
267.03
0.00
21.77
5,300.21
2,670.34
4,740.35
2,070.01
264,963.71
53
0.8298
232.63
40.67
267.16
0.00
21.95
5,321.23
2,671.62
4,758.82
2,087.20
265,075.18
54
1.1614
235.33
41.14
268.15
0.00
22.20
5,359.80
2,681.54
4,792.98
2,111.44
266,042.32
55
0.6092
236.76
41.39
267.66
0.00
22.34
5,369.08
2,676.63
4,800.93
2,124.30
265,538.75
56
0.5761
238.12
41.63
267.07
0.00
22.47
5,376.52
2,670.69
4,807.23
2,136.54
264,931.98
57
0.3108
238.86
41.76
265.76
0.00
22.54
5,369.66
2,657.55
4,800.74
2,143.19
263,612.20
58
0.2933
239.56
41.88
264.39
0.00
22.61
5,361.77
2,643.85
4,793.33
2,149.48
262,235.89
59
0.2945
240.27
42.00
263.01
0.00
22.68
5,353.85
2,630.08
4,785.89
2,155.81
260,852.36
60 10
0.2715
240.92
42.11
261.56
0.00
22.74
5,344.60
2,615.61
4,777.27
2,161.66
259,398.91
61 11
0.2265
241.47
42.21
259.99
0.00
22.79
5,332.87
2,599.86
4,766.41
2,166.55
257,819.90
62 12
0.1998
241.95
42.29
258.34
0.00
22.84
5,319.64
2,583.35
4,754.22
2,170.87
256,164.15
63
1 2000
0.2998
242.68
42.42
256.93
0.00
22.91
5,311.64
2,569.32
4,746.70
2,177.38
254,754.75
64
0.2149
243.20
42.51
255.30
0.00
22.96
5,299.06
2,553.02
4,735.09
2,182.07
253,120.15
65
0.2328
243.77
42.61
253.71
0.00
23.01
5,287.34
2,537.09
4,724.24
2,187.15
251,522.26
66
0.2242
244.32
42.71
252.09
0.00
23.06
5,275.09
2,520.86
4,712.91
2,192.05
249,894.12
67
0.1301
244.64
42.77
250.22
0.00
23.09
5,257.82
2,502.19
4,697.10
2,194.91
248,024.32
DCV
%(4)
10
MPI
DFI
SC
FCVS
TS
PMT
JUROS
PREST. LQ.
AMORTIZ.
SALDO DEV.
68
0.2492
245.25
42.88
248.64
0.00
23.15
5,246.72
2,486.42
4,686.80
2,200.38
246,442.02
69
0.2140
245.77
42.97
246.97
0.00
23.20
5,233.69
2,469.69
4,674.78
2,205.09
244,764.32
70
0.1547
246.15
43.04
245.14
0.00
23.24
5,217.48
2,451.43
4,659.91
2,208.48
242,934.49
71
0.2025
246.65
43.13
243.43
0.00
23.29
5,203.72
2,434.26
4,647.22
2,212.96
241,213.47
72 10
0.1038
246.91
43.17
241.46
0.00
23.31
5,184.74
2,414.64
4,629.89
2,215.25
239,248.60
73 11
0.1316
247.23
43.23
239.56
0.00
23.34
5,167.17
2,395.63
4,613.81
2,218.18
237,345.27
74 12
0.1197
247.53
43.28
237.63
0.00
23.37
5,148.93
2,376.29
4,597.12
2,220.83
235,408.54
75
1 2001
0.0991
247.78
43.32
235.64
0.00
23.39
5,129.58
2,356.42
4,579.45
2,223.03
233,418.80
76
0.1369
248.12
43.38
233.74
0.00
23.42
5,112.12
2,337.38
4,563.46
2,226.08
231,512.27
77
0.0368
248.21
43.40
231.60
0.00
23.43
5,089.52
2,315.97
4,542.88
2,226.91
229,370.56
78
0.1724
248.64
43.47
229.77
0.00
23.47
5,073.75
2,297.66
4,528.40
2,230.74
227,535.25
79
0.1546
249.02
43.54
227.89
0.00
23.51
5,057.00
2,278.87
4,513.04
2,234.17
225,652.85
80
0.1827
249.47
43.62
226.07
0.00
23.55
5,041.62
2,260.65
4,498.91
2,238.26
223,826.86
81
0.1458
249.83
43.68
224.15
0.00
23.58
5,024.29
2,241.53
4,483.05
2,241.52
221,911.68
82
0.2441
250.44
43.79
222.45
0.00
23.64
5,011.85
2,224.53
4,471.53
2,247.00
220,206.37
83
0.3436
251.30
43.94
220.96
0.00
23.72
5,004.27
2,209.63
4,464.35
2,254.72
218,708.28
84 10
0.1627
251.71
44.01
219.06
0.00
23.76
4,987.57
2,190.64
4,449.03
2,258.39
216,805.73
85 11
0.0000
251.71
44.01
216.81
0.00
23.76
4,962.74
2,168.06
4,426.45
2,258.39
214,547.34
86 12
0.0000
251.71
44.01
214.55
0.00
23.76
4,937.90
2,145.47
4,403.87
2,258.40
212,288.94
87
1 2002
0.0000
251.71
44.01
212.29
0.00
23.76
4,913.06
2,122.89
4,381.29
2,258.40
210,030.54
88
0.0000
251.71
44.01
210.03
0.00
23.76
4,888.19
2,100.31
4,358.68
2,258.37
207,772.17
89
0.0000
251.71
44.01
207.77
0.00
23.76
4,863.35
2,077.72
4,336.10
2,258.38
205,513.79
90
0.0000
251.71
44.01
205.51
0.00
23.76
4,838.51
2,055.14
4,313.52
2,258.38
203,255.41
91
0.0000
251.71
44.01
203.26
0.00
23.76
4,813.68
2,032.55
4,290.94
2,258.39
200,997.02
92
0.0000
251.71
44.01
201.00
0.00
23.76
4,788.84
2,009.97
4,268.36
2,258.39
198,738.63
93
0.0000
251.71
44.01
198.74
0.00
23.76
4,764.00
1,987.39
4,245.78
2,258.39
196,480.24
94
0.0000
251.71
44.01
196.48
0.00
23.76
4,739.15
1,964.80
4,223.19
2,258.39
194,221.85
95
0.0000
251.71
44.01
194.22
0.00
23.76
4,714.31
1,942.22
4,200.61
2,258.39
191,963.46
96 10
0.0000
251.71
44.01
191.96
0.00
23.76
4,689.47
1,919.63
4,178.03
2,258.40
189,705.06
97 11
0.0000
251.71
44.01
189.71
0.00
23.76
4,664.62
1,897.05
4,155.43
2,258.38
187,446.68
98 12
0.0000
251.71
44.01
187.45
0.00
23.76
4,639.78
1,874.47
4,132.85
2,258.38
185,188.30
99
1 2003
0.0000
251.71
44.01
185.19
0.00
23.76
4,614.94
1,851.88
4,110.27
2,258.39
182,929.91
100
0.0000
251.71
44.01
182.93
0.00
23.76
4,590.09
1,829.30
4,087.68
2,258.38
180,671.53
101
0.0000
251.71
44.01
180.67
0.00
23.76
4,565.25
1,806.72
4,065.10
2,258.38
178,413.15
102
0.0000
251.71
44.01
178.41
0.00
23.76
4,540.41
1,784.13
4,042.52
2,258.39
176,154.76
103
0.0000
251.71
44.01
176.15
0.00
23.76
4,515.57
1,761.55
4,019.94
2,258.39
173,896.37
104
0.0000
251.71
44.01
173.90
0.00
23.76
4,490.74
1,738.96
3,997.36
2,258.40
171,637.97
105
0.0000
251.71
44.01
171.64
0.00
23.76
4,465.90
1,716.38
3,974.78
2,258.40
169,379.57
106
0.0000
251.71
44.01
169.38
0.00
23.76
4,441.03
1,693.80
3,952.17
2,258.37
167,121.20
107
0.0000
251.71
44.01
167.12
0.00
23.76
4,416.19
1,671.21
3,929.59
2,258.38
164,862.82
108 10
0.0000
251.71
44.01
164.86
0.00
23.76
4,391.35
1,648.63
3,907.01
2,258.38
162,604.44
109 11
0.0000
251.71
44.01
162.60
0.00
23.76
4,366.51
1,626.04
3,884.43
2,258.39
160,346.05
DCV
%(4)
10
MPI
DFI
SC
FCVS
TS
PMT
JUROS
PREST. LQ.
AMORTIZ.
SALDO DEV.
110 12
0.0000
251.71
44.01
160.35
0.00
23.76
4,341.68
1,603.46
3,861.85
2,258.39
158,087.66
111
1 2004
0.0000
251.71
44.01
158.09
0.00
23.76
4,316.84
1,580.88
3,839.27
2,258.39
155,829.27
112
0.0000
251.71
44.01
155.83
0.00
23.76
4,291.99
1,558.29
3,816.68
2,258.39
153,570.88
113
0.0000
251.71
44.01
153.57
0.00
23.76
4,267.15
1,535.71
3,794.10
2,258.39
151,312.49
114
0.0000
251.71
44.01
151.31
0.00
23.76
4,242.31
1,513.12
3,771.52
2,258.40
149,054.09
115
0.0000
251.71
44.01
149.05
0.00
23.76
4,217.45
1,490.54
3,748.92
2,258.38
146,795.71
116
0.0000
251.71
44.01
146.80
0.00
23.76
4,192.62
1,467.96
3,726.34
2,258.38
144,537.33
117
0.0000
251.71
44.01
144.54
0.00
23.76
4,167.78
1,445.37
3,703.76
2,258.39
142,278.94
118
0.0000
251.71
44.01
142.28
0.00
23.76
4,142.93
1,422.79
3,681.17
2,258.38
140,020.56
119
0.0000
251.71
44.01
140.02
0.00
23.76
4,118.09
1,400.21
3,658.59
2,258.38
137,762.18
120 10
0.0000
251.71
44.01
137.76
0.00
23.76
4,093.25
1,377.62
3,636.01
2,258.39
135,503.79
121 11
0.0000
251.71
44.01
135.50
0.00
23.76
4,068.41
1,355.04
3,613.43
2,258.39
133,245.40
122 12
0.0000
251.71
44.01
133.25
0.00
23.76
4,043.58
1,332.45
3,590.85
2,258.40
130,987.00
123
1 2005
0.0000
251.71
44.01
130.99
0.00
23.76
4,018.74
1,309.87
3,568.27
2,258.40
128,728.60
124
0.0000
251.71
44.01
128.73
0.00
23.76
3,993.87
1,287.29
3,545.66
2,258.37
126,470.23
125
0.0000
251.71
44.01
126.47
0.00
23.76
3,969.03
1,264.70
3,523.08
2,258.38
124,211.85
126
0.0000
251.71
44.01
124.21
0.00
23.76
3,944.19
1,242.12
3,500.50
2,258.38
121,953.47
127
0.0000
251.71
44.01
121.95
0.00
23.76
3,919.35
1,219.53
3,477.92
2,258.39
119,695.08
128
0.0000
251.71
44.01
119.70
0.00
23.76
3,894.52
1,196.95
3,455.34
2,258.39
117,436.69
129
0.0000
251.71
44.01
117.44
0.00
23.76
3,869.68
1,174.37
3,432.76
2,258.39
115,178.30
130
0.0000
251.71
44.01
115.18
0.00
23.76
3,844.83
1,151.78
3,410.17
2,258.39
112,919.91
131
0.0000
251.71
44.01
112.92
0.00
23.76
3,819.99
1,129.20
3,387.59
2,258.39
110,661.52
132 10
0.0000
251.71
44.01
110.66
0.00
23.76
3,795.15
1,106.62
3,365.01
2,258.39
108,403.13
133 11
0.0000
251.71
44.01
108.40
0.00
23.76
3,770.29
1,084.03
3,342.41
2,258.38
106,144.75
134 12
0.0000
251.71
44.01
106.14
0.00
23.76
3,745.45
1,061.45
3,319.83
2,258.38
103,886.37
135
1 2006
0.0000
251.71
44.01
103.89
0.00
23.76
3,720.62
1,038.86
3,297.25
2,258.39
101,627.98
136
0.0000
251.71
44.01
101.63
0.00
23.76
3,695.77
1,016.28
3,274.66
2,258.38
99,369.60
137
0.0000
251.71
44.01
99.37
0.00
23.76
3,670.93
993.70
3,252.08
2,258.38
97,111.22
138
0.0000
251.71
44.01
97.11
0.00
23.76
3,646.09
971.11
3,229.50
2,258.39
94,852.83
139
0.0000
251.71
44.01
94.85
0.00
23.76
3,621.25
948.53
3,206.92
2,258.39
92,594.44
140
0.0000
251.71
44.01
92.59
0.00
23.76
3,596.41
925.94
3,184.34
2,258.40
90,336.04
141
0.0000
251.71
44.01
90.34
0.00
23.76
3,571.58
903.36
3,161.76
2,258.40
88,077.64
142
0.0000
251.71
44.01
88.08
0.00
23.76
3,546.71
880.78
3,139.15
2,258.37
85,819.27
143
0.0000
251.71
44.01
85.82
0.00
23.76
3,521.87
858.19
3,116.57
2,258.38
83,560.89
144 10
0.0000
251.71
44.01
83.56
0.00
23.76
3,497.03
835.61
3,093.99
2,258.38
81,302.51
145 11
0.0000
251.71
44.01
81.30
0.00
23.76
3,472.19
813.03
3,071.41
2,258.38
79,044.13
146 12
0.0000
251.71
44.01
79.04
0.00
23.76
3,447.35
790.44
3,048.83
2,258.39
76,785.74
147
1 2007
0.0000
251.71
44.01
76.79
0.00
23.76
3,422.52
767.86
3,026.25
2,258.39
74,527.35
148
0.0000
251.71
44.01
74.53
0.00
23.76
3,397.67
745.27
3,003.66
2,258.39
72,268.96
149
0.0000
251.71
44.01
72.27
0.00
23.76
3,372.83
722.69
2,981.08
2,258.39
70,010.57
150
0.0000
251.71
44.01
70.01
0.00
23.76
3,347.99
700.11
2,958.50
2,258.39
67,752.18
151
0.0000
251.71
44.01
67.75
0.00
23.76
3,323.15
677.52
2,935.92
2,258.40
65,493.78
DCV
%(4)
10
MPI
DFI
SC
FCVS
TS
PMT
JUROS
PREST. LQ.
AMORTIZ.
SALDO DEV.
152
0.0000
251.71
44.01
65.49
0.00
23.76
3,298.29
654.94
2,913.32
2,258.38
63,235.40
153
0.0000
251.71
44.01
63.24
0.00
23.76
3,273.46
632.35
2,890.74
2,258.39
60,977.01
154
0.0000
251.71
44.01
60.98
0.00
23.76
3,248.61
609.77
2,868.15
2,258.38
58,718.63
155
0.0000
251.71
44.01
58.72
0.00
23.76
3,223.77
587.19
2,845.57
2,258.38
56,460.25
156 10
0.0000
251.71
44.01
56.46
0.00
23.76
3,198.93
564.60
2,822.99
2,258.39
54,201.86
157 11
0.0000
251.71
44.01
54.20
0.00
23.76
3,174.09
542.02
2,800.41
2,258.39
51,943.47
158 12
0.0000
251.71
44.01
51.94
0.00
23.76
3,149.25
519.43
2,777.83
2,258.40
49,685.07
159
1 2008
0.0000
251.71
44.01
49.69
0.00
23.76
3,124.42
496.85
2,755.25
2,258.40
47,426.67
160
0.0000
251.71
44.01
47.43
0.00
23.76
3,099.57
474.27
2,732.66
2,258.39
45,168.28
161
0.0000
251.71
44.01
45.17
0.00
23.76
3,074.71
451.68
2,710.06
2,258.38
42,909.90
162
0.0000
251.71
44.01
42.91
0.00
23.76
3,049.87
429.10
2,687.48
2,258.38
40,651.52
163
0.0000
251.71
44.01
40.65
0.00
23.76
3,025.03
406.52
2,664.90
2,258.38
38,393.14
164
0.0000
251.71
44.01
38.39
0.00
23.76
3,000.19
383.93
2,642.32
2,258.39
36,134.75
165
0.0000
251.71
44.01
36.13
0.00
23.76
2,975.35
361.35
2,619.74
2,258.39
33,876.36
166
0.0000
251.71
44.01
33.88
0.00
23.76
2,950.51
338.76
2,597.15
2,258.39
31,617.97
167
0.0000
251.71
44.01
31.62
0.00
23.76
2,925.67
316.18
2,574.57
2,258.39
29,359.58
168 10
0.0000
251.71
44.01
29.36
0.00
23.76
2,900.83
293.60
2,551.99
2,258.39
27,101.19
169 11
0.0000
251.71
44.01
27.10
0.00
23.76
2,875.99
271.01
2,529.41
2,258.40
24,842.79
170 12
0.0000
251.71
44.01
24.84
0.00
23.76
2,851.13
248.43
2,506.81
2,258.38
22,584.41
171
1 2009
0.0000
251.71
44.01
22.58
0.00
23.76
2,826.28
225.84
2,484.22
2,258.38
20,326.03
172
0.0000
251.71
44.01
20.33
0.00
23.76
2,801.45
203.26
2,461.64
2,258.38
18,067.65
173
0.0000
251.71
44.01
18.07
0.00
23.76
2,776.61
180.68
2,439.06
2,258.38
15,809.27
174
0.0000
251.71
44.01
15.81
0.00
23.76
2,751.77
158.09
2,416.48
2,258.39
13,550.88
175
0.0000
251.71
44.01
13.55
0.00
23.76
2,726.93
135.51
2,393.90
2,258.39
11,292.49
176
0.0000
251.71
44.01
11.29
0.00
23.76
2,702.09
112.92
2,371.32
2,258.40
9,034.09
177
0.0000
251.71
44.01
9.03
0.00
23.76
2,677.25
90.34
2,348.74
2,258.40
6,775.69
178
0.0000
251.71
44.01
6.78
0.00
23.76
2,652.41
67.76
2,326.15
2,258.39
4,517.30
179
0.0000
251.71
44.01
4.52
0.00
23.76
2,627.55
45.17
2,303.55
2,258.38
2,258.92
180 10
0.0000
251.71
44.01
2.26
0.00
23.76
2,602.71
22.59
2,280.97
2,258.38
0.54
181
182
183
184
185
186
187
188
189
190
191
192
193
DCV
194
195
196
197
198
199
200
201
202
203
204
205
206
207
208
209
210
211
212
213
214
215
216
217
218
219
220
221
222
223
224
225
226
227
228
229
230
231
232
233
234
235
%(4)
10
MPI
DFI
SC
FCVS
TS
PMT
JUROS
PREST. LQ.
AMORTIZ.
SALDO DEV.
DCV
236
237
238
239
240
241
242
243
244
245
246
247
248
249
250
251
252
253
254
255
256
257
258
259
260
261
262
263
264
265
266
267
268
269
270
271
272
273
274
275
276
277
%(4)
10
MPI
DFI
SC
FCVS
TS
PMT
JUROS
PREST. LQ.
AMORTIZ.
SALDO DEV.
DCV
278
279
280
281
282
283
284
285
286
287
288
289
290
291
292
293
294
295
296
297
298
299
300
301
302
303
304
305
306
307
308
309
310
311
312
313
314
315
316
317
318
319
%(4)
10
MPI
DFI
SC
FCVS
TS
PMT
JUROS
PREST. LQ.
AMORTIZ.
SALDO DEV.
DCV
320
321
322
323
324
325
326
327
328
329
330
331
332
333
334
335
336
337
338
339
340
341
342
343
344
345
346
347
348
349
350
351
352
353
354
355
356
357
358
359
360
%(4)
10
MPI
DFI
SC
FCVS
TS
PMT
JUROS
PREST. LQ.
AMORTIZ.
SALDO DEV.
DCV
%(4)
10
MPI
DFI
SC
FCVS
TS
PMT
JUROS
PREST. LQ.
AMORTIZ.
SALDO DEV.
Totalizao ( Juros Compostos )
Soma das Prestaes Lquidas
+
+
+
+
+
Valor Residual na ltima linha do Quadro de Amortizao
694,226.18
0.54
Total a Prazo Lquido
694,226.72
694,226.72
Valor Financiado
200,000.00
Acrscimo Total Lquido
494,226.72
694,226.18
Soma dos pagamentos de Seguro de Morte ou Permanente Invalidez

Soma dos pagamentos de Seguro de Danos Fsicos do Imvel
Soma dos pagamentos de Seguro de Crdito
Soma dos pagamentos para o Fundo de Compensao de Variaes Salariais
Soma das Taxas de Servio ou Taxas de Administrao
41,848.99
7,316.54
31,875.06
0.00
3,950.12
Soma das Prestaes Mensais Totais
779,216.89
779,216.89
0.54
Total a Prazo
779,217.43
Total a Prazo
779,217.43
Valor Financiado
200,000.00
Acrscimo Total
579,217.43

=>
1. INTERPRETAO :
DO SALDO DEVEDOR ANTERIOR RETIRA-SE O VALOR DA PRESTAO CORRIGIDA E SOMENTE DEPOIS
REALIZA-SE A CORREO DO SALDO. POR FIM, COLOCA-SE OS JUROS DO MS NO MESMO ( SALDO ).
EXISTE A POSSIBILIDADE DA ALTERAO DA ESTRUTURA DA 1. INTERPRETAO CITADA ACIMA. APESAR DA MUDANA, O SALDO DEVEDOR A CADA MS PERMANECER IDNTICO EM COMPARAO AOS
SALDOS MENSAIS ENCONTRADOS SEM A ALTERAO. OBSERVE ABAIXO :
1. INTERPRETAO COM A ESTRUTURA ALTERADA :
COLOCA-SE OS JUROS DO MS NO MESMO ( SALDO ). POR FIM, REALIZA-SE A CORREO DO SALDO.
Deseja alterar a estrutura da 1. INTERPRETAO :
NO
Caracterstica:
Legenda:
1 - Juros
4 - Saldo Devedor
ATENO :
=>


CONFUSO AO USURIO .

ESTE VALOR
DEVE
ESTAR SITUADO NO MS

FINALMENTE,
Dados iniciais.

1.000000%
200,000.00
180
11
1994

valor Financiado

* CONSIDERA-SE A PRESTAO LQUIDA SEMPRE ATUALIZADA, MESMO QUE CORRIGIDA PELA LTIMA VEZ A VRIOS MESES ATRS ( EXEMPLO - PES ).
5
10
DIFERENA
ENTRE O
SALDO
ANTERIOR
NOVO
DESATUALIZADO
SALDO
EA
ATUALIZADO
PRESTAO
SALDO
DCV
%(4)
MPI
DFI
SC
FCVS
TS
PMT
COM JUROS
LQUIDA
JUROS
-----------------
SOBRE O
----------------SALDO
ANTERIOR
PRESTAO
NOVO SALDO
NOVO SALDO
NOVO SALDO
DEVEDOR
DESATUALIZADO
LQUIDA
DESATUALIZADO
ATUALIZADO
ATUALIZADO
FINAL
1 11 1994
2.5551
127.00
22.20
205.11
0.00
12.00
3,556.91
200,000.00
3,190.60
196,809.40
201,838.08
2,018.38
203,856.46
2 12
2.9210
130.71
22.85
209.93
0.00
12.35
3,647.91
203,856.46
3,272.07
200,584.39
206,443.46
2,064.43
208,507.89
10
DIFERENA
ENTRE O
SALDO
ANTERIOR
NOVO
DESATUALIZADO
SALDO
EA
ATUALIZADO
PRESTAO
SALDO
DCV
%(4)
MPI
DFI
SC
FCVS
TS
PMT
COM JUROS
LQUIDA
JUROS
-----------------
SOBRE O
----------------SALDO
ANTERIOR
PRESTAO
NOVO SALDO
NOVO SALDO
NOVO SALDO
DEVEDOR
DESATUALIZADO
LQUIDA
DESATUALIZADO
ATUALIZADO
ATUALIZADO
FINAL
1 1995
2.8731
134.47
23.51
214.75
0.00
12.70
3,739.45
208,507.89
3,354.02
205,153.87
211,048.15
2,110.48
213,158.63
2.1013
137.30
24.00
218.03
0.00
12.97
3,804.48
213,158.63
3,412.18
209,746.45
214,153.85
2,141.54
216,295.39
1.8531
139.84
24.44
220.82
0.00
13.21
3,861.18
216,295.39
3,462.87
212,832.52
216,776.52
2,167.77
218,944.29
2.2998
143.06
25.00
224.62
0.00
13.51
3,935.85
218,944.29
3,529.66
215,414.63
220,368.74
2,203.69
222,572.43
3.4667
148.02
25.87
231.07
0.00
13.98
4,057.68
222,572.43
3,638.74
218,933.69
226,523.46
2,265.23
228,788.69
3.2471
152.83
26.71
237.21
0.00
14.43
4,174.37
228,788.69
3,743.19
225,045.50
232,352.95
2,323.53
234,676.48
2.8863
157.24
27.48
242.64
0.00
14.85
4,279.33
234,676.48
3,837.12
230,839.36
237,502.08
2,375.02
239,877.10
10
2.9905
161.94
28.30
248.44
0.00
15.29
4,391.31
239,877.10
3,937.34
235,939.76
242,995.54
2,429.96
245,425.50
11
2.6045
166.16
29.04
253.43
0.00
15.69
4,489.30
245,425.50
4,024.98
241,400.52
247,687.80
2,476.88
250,164.68
12 10
1.9393
169.38
29.60
256.82
0.00
15.99
4,559.64
250,164.68
4,087.85
246,076.83
250,849.00
2,508.49
253,357.49
13 11
1.6540
172.18
30.09
259.52
0.00
16.25
4,618.05
253,357.49
4,140.01
249,217.48
253,339.54
2,533.40
255,872.94
14 12
1.4387
174.66
30.52
261.69
0.00
16.48
4,667.26
255,872.94
4,183.91
251,689.03
255,310.08
2,553.10
257,863.18
15
1 1996
1.3400
177.00
30.93
263.61
0.00
16.70
4,712.32
257,863.18
4,224.08
253,639.10
257,037.86
2,570.38
259,608.24
16
1.2526
179.22
31.32
265.30
0.00
16.91
4,753.66
259,608.24
4,260.91
255,347.33
258,545.81
2,585.46
261,131.27
17
0.9625
180.94
31.62
266.23
0.00
17.07
4,781.55
261,131.27
4,285.69
256,845.58
259,317.72
2,593.18
261,910.90
18
0.8139
182.41
31.88
266.76
0.00
17.21
4,802.47
261,910.90
4,304.21
257,606.69
259,703.35
2,597.03
262,300.38
19
0.6597
183.61
32.09
266.88
0.00
17.32
4,816.03
262,300.38
4,316.13
257,984.25
259,686.17
2,596.86
262,283.03
20
0.5888
184.69
32.28
266.79
0.00
17.42
4,826.16
262,283.03
4,324.98
257,958.05
259,476.91
2,594.77
262,071.68
21
0.6099
185.82
32.48
266.75
0.00
17.53
4,837.26
262,071.68
4,334.68
257,737.00
259,308.94
2,593.09
261,902.03
22
0.5851
186.91
32.67
266.63
0.00
17.63
4,847.12
261,902.03
4,343.28
257,558.75
259,065.73
2,590.66
261,656.39
23
0.6275
188.08
32.88
266.62
0.00
17.74
4,858.98
261,656.39
4,353.66
257,302.73
258,917.30
2,589.17
261,506.47
24 10
0.6620
189.33
33.10
266.69
0.00
17.86
4,872.46
261,506.47
4,365.48
257,140.99
258,843.26
2,588.43
261,431.69
25 11
0.7419
190.73
33.35
266.95
0.00
17.99
4,889.78
261,431.69
4,380.76
257,050.93
258,957.99
2,589.58
261,547.57
26 12
0.8146
192.28
33.62
267.40
0.00
18.14
4,910.63
261,547.57
4,399.19
257,148.38
259,243.11
2,592.43
261,835.54
27
1 1997
0.8717
193.96
33.91
267.99
0.00
18.30
4,934.30
261,835.54
4,420.14
257,415.40
259,659.29
2,596.59
262,255.88
28
0.7440
195.40
34.16
268.23
0.00
18.44
4,951.73
262,255.88
4,435.50
257,820.38
259,738.56
2,597.39
262,335.95
29
0.6616
196.69
34.39
268.24
0.00
18.56
4,965.08
262,335.95
4,447.20
257,888.75
259,594.94
2,595.95
262,190.89
30
0.6316
197.93
34.61
268.16
0.00
18.68
4,976.91
262,190.89
4,457.53
257,733.36
259,361.20
2,593.61
261,954.81
31
0.6211
199.16
34.82
268.04
0.00
18.80
4,988.16
261,954.81
4,467.34
257,487.47
259,086.72
2,590.87
261,677.59
32
0.6354
200.43
35.04
267.95
0.00
18.92
5,000.09
261,677.59
4,477.75
257,199.84
258,834.09
2,588.34
261,422.43
33
0.6535
201.74
35.27
267.89
0.00
19.04
5,012.84
261,422.43
4,488.90
256,933.53
258,612.59
2,586.13
261,198.72
34
0.6580
203.07
35.50
267.83
0.00
19.17
5,025.79
261,198.72
4,500.22
256,698.50
258,387.58
2,583.88
260,971.46
10
DIFERENA
ENTRE O
SALDO
ANTERIOR
NOVO
DESATUALIZADO
SALDO
EA
ATUALIZADO
PRESTAO
SALDO
DCV
35
%(4)
MPI
DFI
SC
FCVS
TS
PMT
COM JUROS
LQUIDA
JUROS
-----------------
SOBRE O
----------------SALDO
ANTERIOR
PRESTAO
NOVO SALDO
NOVO SALDO
NOVO SALDO
DEVEDOR
DESATUALIZADO
LQUIDA
DESATUALIZADO
ATUALIZADO
ATUALIZADO
FINAL
0.6270
204.34
35.72
267.67
0.00
19.29
5,037.12
260,971.46
4,510.10
256,461.36
258,069.37
2,580.69
260,650.06
36 10
0.6474
205.66
35.95
267.56
0.00
19.41
5,049.43
260,650.06
4,520.85
256,129.21
257,787.39
2,577.87
260,365.26
37 11
0.6553
207.01
36.19
267.46
0.00
19.54
5,062.10
260,365.26
4,531.90
255,833.36
257,509.84
2,575.10
260,084.94
38 12
1.5334
210.18
36.74
269.67
0.00
19.84
5,118.97
260,084.94
4,582.54
255,502.40
259,420.27
2,594.20
262,014.47
39
1 1998
1.3085
212.93
37.22
271.29
0.00
20.10
5,164.94
262,014.47
4,623.40
257,391.07
260,759.03
2,607.59
263,366.62
40
1.1459
215.37
37.65
272.47
0.00
20.33
5,202.87
263,366.62
4,657.05
258,709.57
261,674.12
2,616.74
264,290.86
41
0.4461
216.33
37.82
271.74
0.00
20.42
5,204.73
264,290.86
4,658.42
259,632.44
260,790.66
2,607.91
263,398.57
42
0.8995
218.28
38.16
272.23
0.00
20.60
5,229.99
263,398.57
4,680.72
258,717.85
261,045.02
2,610.45
263,655.47
43
0.4720
219.31
38.34
271.54
0.00
20.70
5,233.03
263,655.47
4,683.14
258,972.33
260,194.68
2,601.95
262,796.63
44
0.4543
220.31
38.51
270.80
0.00
20.79
5,235.06
262,796.63
4,684.65
258,111.98
259,284.58
2,592.85
261,877.43
45
0.4913
221.39
38.70
270.15
0.00
20.89
5,238.94
261,877.43
4,687.81
257,189.62
258,453.19
2,584.53
261,037.72
46
0.5503
222.61
38.91
269.63
0.00
21.00
5,245.78
261,037.72
4,693.63
256,344.09
257,754.75
2,577.55
260,332.30
47
0.3749
223.44
39.06
268.64
0.00
21.08
5,243.40
260,332.30
4,691.18
255,641.12
256,599.52
2,566.00
259,165.52
48 10
0.4512
224.45
39.24
267.84
0.00
21.18
5,244.92
259,165.52
4,692.21
254,473.31
255,621.49
2,556.21
258,177.70
49 11
0.8892
226.45
39.59
268.19
0.00
21.37
5,269.22
258,177.70
4,713.62
253,464.08
255,717.88
2,557.18
258,275.06
50 12
0.6136
227.84
39.83
267.79
0.00
21.50
5,279.06
258,275.06
4,722.10
253,552.96
255,108.76
2,551.09
257,659.85
51
1 1999
0.7434
229.53
40.13
267.72
0.00
21.66
5,295.66
257,659.85
4,736.62
252,923.23
254,803.46
2,548.03
257,351.49
52
0.5163
230.72
40.34
267.03
0.00
21.77
5,300.21
257,351.49
4,740.35
252,611.14
253,915.37
2,539.15
256,454.52
53
0.8298
232.63
40.67
267.16
0.00
21.95
5,321.23
256,454.52
4,758.82
251,695.70
253,784.27
2,537.84
256,322.11
54
1.1614
235.33
41.14
268.15
0.00
22.20
5,359.80
256,322.11
4,792.98
251,529.13
254,450.39
2,544.50
256,994.89
55
0.6092
236.76
41.39
267.66
0.00
22.34
5,369.08
256,994.89
4,800.93
252,193.96
253,730.33
2,537.30
256,267.63
56
0.5761
238.12
41.63
267.07
0.00
22.47
5,376.52
256,267.63
4,807.23
251,460.40
252,909.06
2,529.09
255,438.15
57
0.3108
238.86
41.76
265.76
0.00
22.54
5,369.66
255,438.15
4,800.74
250,637.41
251,416.39
2,514.16
253,930.55
58
0.2933
239.56
41.88
264.39
0.00
22.61
5,361.77
253,930.55
4,793.33
249,137.22
249,867.94
2,498.68
252,366.62
59
0.2945
240.27
42.00
263.01
0.00
22.68
5,353.85
252,366.62
4,785.89
247,580.73
248,309.86
2,483.10
250,792.96
60 10
0.2715
240.92
42.11
261.56
0.00
22.74
5,344.60
250,792.96
4,777.27
246,015.69
246,683.62
2,466.84
249,150.46
61 11
0.2265
241.47
42.21
259.99
0.00
22.79
5,332.87
249,150.46
4,766.41
244,384.05
244,937.58
2,449.38
247,386.96
62 12
0.1998
241.95
42.29
258.34
0.00
22.84
5,319.64
247,386.96
4,754.22
242,632.74
243,117.52
2,431.18
245,548.70
63
1 2000
0.2998
242.68
42.42
256.93
0.00
22.91
5,311.64
245,548.70
4,746.70
240,802.00
241,523.92
2,415.24
243,939.16
64
0.2149
243.20
42.51
255.30
0.00
22.96
5,299.06
243,939.16
4,735.09
239,204.07
239,718.12
2,397.18
242,115.30
65
0.2328
243.77
42.61
253.71
0.00
23.01
5,287.34
242,115.30
4,724.24
237,391.06
237,943.71
2,379.44
240,323.15
66
0.2242
244.32
42.71
252.09
0.00
23.06
5,275.09
240,323.15
4,712.91
235,610.24
236,138.48
2,361.38
238,499.86
10
DIFERENA
ENTRE O
SALDO
ANTERIOR
NOVO
DESATUALIZADO
SALDO
EA
ATUALIZADO
PRESTAO
SALDO
DCV
%(4)
MPI
DFI
SC
FCVS
TS
PMT
COM JUROS
LQUIDA
JUROS
-----------------
SOBRE O
----------------SALDO
ANTERIOR
PRESTAO
NOVO SALDO
NOVO SALDO
NOVO SALDO
DEVEDOR
DESATUALIZADO
LQUIDA
DESATUALIZADO
ATUALIZADO
ATUALIZADO
FINAL
67
0.1301
244.64
42.77
250.22
0.00
23.09
5,257.82
238,499.86
4,697.10
233,802.76
234,106.94
2,341.07
236,448.01
68
0.2492
245.25
42.88
248.64
0.00
23.15
5,246.72
236,448.01
4,686.80
231,761.21
232,338.76
2,323.39
234,662.15
69
0.2140
245.77
42.97
246.97
0.00
23.20
5,233.69
234,662.15
4,674.78
229,987.37
230,479.54
2,304.80
232,784.34
70
0.1547
246.15
43.04
245.14
0.00
23.24
5,217.48
232,784.34
4,659.91
228,124.43
228,477.34
2,284.77
230,762.11
71
0.2025
246.65
43.13
243.43
0.00
23.29
5,203.72
230,762.11
4,647.22
226,114.89
226,572.77
2,265.73
228,838.50
72 10
0.1038
246.91
43.17
241.46
0.00
23.31
5,184.74
228,838.50
4,629.89
224,208.61
224,441.34
2,244.41
226,685.75
73 11
0.1316
247.23
43.23
239.56
0.00
23.34
5,167.17
226,685.75
4,613.81
222,071.94
222,364.19
2,223.64
224,587.83
74 12
0.1197
247.53
43.28
237.63
0.00
23.37
5,148.93
224,587.83
4,597.12
219,990.71
220,254.04
2,202.54
222,456.58
75
1 2001
0.0991
247.78
43.32
235.64
0.00
23.39
5,129.58
222,456.58
4,579.45
217,877.13
218,093.05
2,180.93
220,273.98
76
0.1369
248.12
43.38
233.74
0.00
23.42
5,112.12
220,273.98
4,563.46
215,710.52
216,005.83
2,160.06
218,165.89
77
0.0368
248.21
43.40
231.60
0.00
23.43
5,089.52
218,165.89
4,542.88
213,623.01
213,701.62
2,137.02
215,838.64
78
0.1724
248.64
43.47
229.77
0.00
23.47
5,073.75
215,838.64
4,528.40
211,310.24
211,674.54
2,116.75
213,791.29
79
0.1546
249.02
43.54
227.89
0.00
23.51
5,057.00
213,791.29
4,513.04
209,278.25
209,601.79
2,096.02
211,697.81
80
0.1827
249.47
43.62
226.07
0.00
23.55
5,041.62
211,697.81
4,498.91
207,198.90
207,577.45
2,075.77
209,653.22
81
0.1458
249.83
43.68
224.15
0.00
23.58
5,024.29
209,653.22
4,483.05
205,170.17
205,469.31
2,054.69
207,524.00
82
0.2441
250.44
43.79
222.45
0.00
23.64
5,011.85
207,524.00
4,471.53
203,052.47
203,548.12
2,035.48
205,583.60
83
0.3436
251.30
43.94
220.96
0.00
23.72
5,004.27
205,583.60
4,464.35
201,119.25
201,810.30
2,018.10
203,828.40
84 10
0.1627
251.71
44.01
219.06
0.00
23.76
4,987.57
203,828.40
4,449.03
199,379.37
199,703.76
1,997.04
201,700.80
85 11
0.0000
251.71
44.01
216.81
0.00
23.76
4,962.74
201,700.80
4,426.45
197,274.35
197,274.35
1,972.74
199,247.09
86 12
0.0000
251.71
44.01
214.55
0.00
23.76
4,937.90
199,247.09
4,403.87
194,843.22
194,843.22
1,948.43
196,791.65
87
1 2002
0.0000
251.71
44.01
212.29
0.00
23.76
4,913.06
196,791.65
4,381.29
192,410.36
192,410.36
1,924.10
194,334.46
88
0.0000
251.71
44.01
210.03
0.00
23.76
4,888.19
194,334.46
4,358.68
189,975.78
189,975.78
1,899.76
191,875.54
89
0.0000
251.71
44.01
207.77
0.00
23.76
4,863.35
191,875.54
4,336.10
187,539.44
187,539.44
1,875.39
189,414.83
90
0.0000
251.71
44.01
205.51
0.00
23.76
4,838.51
189,414.83
4,313.52
185,101.31
185,101.31
1,851.01
186,952.32
91
0.0000
251.71
44.01
203.26
0.00
23.76
4,813.68
186,952.32
4,290.94
182,661.38
182,661.38
1,826.61
184,487.99
92
0.0000
251.71
44.01
201.00
0.00
23.76
4,788.84
184,487.99
4,268.36
180,219.63
180,219.63
1,802.20
182,021.83
93
0.0000
251.71
44.01
198.74
0.00
23.76
4,764.00
182,021.83
4,245.78
177,776.05
177,776.05
1,777.76
179,553.81
94
0.0000
251.71
44.01
196.48
0.00
23.76
4,739.15
179,553.81
4,223.19
175,330.62
175,330.62
1,753.31
177,083.93
95
0.0000
251.71
44.01
194.22
0.00
23.76
4,714.31
177,083.93
4,200.61
172,883.32
172,883.32
1,728.83
174,612.15
96 10
0.0000
251.71
44.01
191.96
0.00
23.76
4,689.47
174,612.15
4,178.03
170,434.12
170,434.12
1,704.34
172,138.46
97 11
0.0000
251.71
44.01
189.71
0.00
23.76
4,664.62
172,138.46
4,155.43
167,983.03
167,983.03
1,679.83
169,662.86
98 12
0.0000
251.71
44.01
187.45
0.00
23.76
4,639.78
169,662.86
4,132.85
165,530.01
165,530.01
1,655.30
167,185.31
10
DIFERENA
ENTRE O
SALDO
ANTERIOR
NOVO
DESATUALIZADO
SALDO
EA
ATUALIZADO
PRESTAO
SALDO
DCV
99
%(4)
MPI
DFI
SC
FCVS
TS
PMT
COM JUROS
LQUIDA
JUROS
-----------------
SOBRE O
----------------SALDO
ANTERIOR
PRESTAO
NOVO SALDO
NOVO SALDO
NOVO SALDO
DEVEDOR
DESATUALIZADO
LQUIDA
DESATUALIZADO
ATUALIZADO
ATUALIZADO
FINAL
1 2003
0.0000
251.71
44.01
185.19
0.00
23.76
4,614.94
167,185.31
4,110.27
163,075.04
163,075.04
1,630.75
164,705.79
100
0.0000
251.71
44.01
182.93
0.00
23.76
4,590.09
164,705.79
4,087.68
160,618.11
160,618.11
1,606.18
162,224.29
101
0.0000
251.71
44.01
180.67
0.00
23.76
4,565.25
162,224.29
4,065.10
158,159.19
158,159.19
1,581.59
159,740.78
102
0.0000
251.71
44.01
178.41
0.00
23.76
4,540.41
159,740.78
4,042.52
155,698.26
155,698.26
1,556.98
157,255.24
103
0.0000
251.71
44.01
176.15
0.00
23.76
4,515.57
157,255.24
4,019.94
153,235.30
153,235.30
1,532.35
154,767.65
104
0.0000
251.71
44.01
173.90
0.00
23.76
4,490.74
154,767.65
3,997.36
150,770.29
150,770.29
1,507.70
152,277.99
105
0.0000
251.71
44.01
171.64
0.00
23.76
4,465.90
152,277.99
3,974.78
148,303.21
148,303.21
1,483.03
149,786.24
106
0.0000
251.71
44.01
169.38
0.00
23.76
4,441.03
149,786.24
3,952.17
145,834.07
145,834.07
1,458.34
147,292.41
107
0.0000
251.71
44.01
167.12
0.00
23.76
4,416.19
147,292.41
3,929.59
143,362.82
143,362.82
1,433.63
144,796.45
108 10
0.0000
251.71
44.01
164.86
0.00
23.76
4,391.35
144,796.45
3,907.01
140,889.44
140,889.44
1,408.89
142,298.33
109 11
0.0000
251.71
44.01
162.60
0.00
23.76
4,366.51
142,298.33
3,884.43
138,413.90
138,413.90
1,384.14
139,798.04
110 12
0.0000
251.71
44.01
160.35
0.00
23.76
4,341.68
139,798.04
3,861.85
135,936.19
135,936.19
1,359.36
137,295.55
111
1 2004
0.0000
251.71
44.01
158.09
0.00
23.76
4,316.84
137,295.55
3,839.27
133,456.28
133,456.28
1,334.56
134,790.84
112
0.0000
251.71
44.01
155.83
0.00
23.76
4,291.99
134,790.84
3,816.68
130,974.16
130,974.16
1,309.74
132,283.90
113
0.0000
251.71
44.01
153.57
0.00
23.76
4,267.15
132,283.90
3,794.10
128,489.80
128,489.80
1,284.90
129,774.70
114
0.0000
251.71
44.01
151.31
0.00
23.76
4,242.31
129,774.70
3,771.52
126,003.18
126,003.18
1,260.03
127,263.21
115
0.0000
251.71
44.01
149.05
0.00
23.76
4,217.45
127,263.21
3,748.92
123,514.29
123,514.29
1,235.14
124,749.43
116
0.0000
251.71
44.01
146.80
0.00
23.76
4,192.62
124,749.43
3,726.34
121,023.09
121,023.09
1,210.23
122,233.32
117
0.0000
251.71
44.01
144.54
0.00
23.76
4,167.78
122,233.32
3,703.76
118,529.56
118,529.56
1,185.30
119,714.86
118
0.0000
251.71
44.01
142.28
0.00
23.76
4,142.93
119,714.86
3,681.17
116,033.69
116,033.69
1,160.34
117,194.03
119
0.0000
251.71
44.01
140.02
0.00
23.76
4,118.09
117,194.03
3,658.59
113,535.44
113,535.44
1,135.35
114,670.79
120 10
0.0000
251.71
44.01
137.76
0.00
23.76
4,093.25
114,670.79
3,636.01
111,034.78
111,034.78
1,110.35
112,145.13
121 11
0.0000
251.71
44.01
135.50
0.00
23.76
4,068.41
112,145.13
3,613.43
108,531.70
108,531.70
1,085.32
109,617.02
122 12
0.0000
251.71
44.01
133.25
0.00
23.76
4,043.58
109,617.02
3,590.85
106,026.17
106,026.17
1,060.26
107,086.43
123
1 2005
0.0000
251.71
44.01
130.99
0.00
23.76
4,018.74
107,086.43
3,568.27
103,518.16
103,518.16
1,035.18
104,553.34
124
0.0000
251.71
44.01
128.73
0.00
23.76
3,993.87
104,553.34
3,545.66
101,007.68
101,007.68
1,010.08
102,017.76
125
0.0000
251.71
44.01
126.47
0.00
23.76
3,969.03
102,017.76
3,523.08
98,494.68
98,494.68
984.95
99,479.63
126
0.0000
251.71
44.01
124.21
0.00
23.76
3,944.19
99,479.63
3,500.50
95,979.13
95,979.13
959.79
96,938.92
127
0.0000
251.71
44.01
121.95
0.00
23.76
3,919.35
96,938.92
3,477.92
93,461.00
93,461.00
934.61
94,395.61
128
0.0000
251.71
44.01
119.70
0.00
23.76
3,894.52
94,395.61
3,455.34
90,940.27
90,940.27
909.40
91,849.67
129
0.0000
251.71
44.01
117.44
0.00
23.76
3,869.68
91,849.67
3,432.76
88,416.91
88,416.91
884.17
89,301.08
130
0.0000
251.71
44.01
115.18
0.00
23.76
3,844.83
89,301.08
3,410.17
85,890.91
85,890.91
858.91
86,749.82
10
DIFERENA
ENTRE O
SALDO
ANTERIOR
NOVO
DESATUALIZADO
SALDO
EA
ATUALIZADO
PRESTAO
SALDO
DCV
131
%(4)
MPI
DFI
SC
FCVS
TS
PMT
COM JUROS
LQUIDA
JUROS
-----------------
SOBRE O
----------------SALDO
ANTERIOR
PRESTAO
NOVO SALDO
NOVO SALDO
NOVO SALDO
DEVEDOR
DESATUALIZADO
LQUIDA
DESATUALIZADO
ATUALIZADO
ATUALIZADO
FINAL
0.0000
251.71
44.01
112.92
0.00
23.76
3,819.99
86,749.82
3,387.59
83,362.23
83,362.23
833.62
84,195.85
132 10
0.0000
251.71
44.01
110.66
0.00
23.76
3,795.15
84,195.85
3,365.01
80,830.84
80,830.84
808.31
81,639.15
133 11
0.0000
251.71
44.01
108.40
0.00
23.76
3,770.29
81,639.15
3,342.41
78,296.74
78,296.74
782.97
79,079.71
134 12
0.0000
251.71
44.01
106.14
0.00
23.76
3,745.45
79,079.71
3,319.83
75,759.88
75,759.88
757.60
76,517.48
135
1 2006
0.0000
251.71
44.01
103.89
0.00
23.76
3,720.62
76,517.48
3,297.25
73,220.23
73,220.23
732.20
73,952.43
136
0.0000
251.71
44.01
101.63
0.00
23.76
3,695.77
73,952.43
3,274.66
70,677.77
70,677.77
706.78
71,384.55
137
0.0000
251.71
44.01
99.37
0.00
23.76
3,670.93
71,384.55
3,252.08
68,132.47
68,132.47
681.32
68,813.79
138
0.0000
251.71
44.01
97.11
0.00
23.76
3,646.09
68,813.79
3,229.50
65,584.29
65,584.29
655.84
66,240.13
139
0.0000
251.71
44.01
94.85
0.00
23.76
3,621.25
66,240.13
3,206.92
63,033.21
63,033.21
630.33
63,663.54
140
0.0000
251.71
44.01
92.59
0.00
23.76
3,596.41
63,663.54
3,184.34
60,479.20
60,479.20
604.79
61,083.99
141
0.0000
251.71
44.01
90.34
0.00
23.76
3,571.58
61,083.99
3,161.76
57,922.23
57,922.23
579.22
58,501.45
142
0.0000
251.71
44.01
88.08
0.00
23.76
3,546.71
58,501.45
3,139.15
55,362.30
55,362.30
553.62
55,915.92
143
0.0000
251.71
44.01
85.82
0.00
23.76
3,521.87
55,915.92
3,116.57
52,799.35
52,799.35
527.99
53,327.34
144 10
0.0000
251.71
44.01
83.56
0.00
23.76
3,497.03
53,327.34
3,093.99
50,233.35
50,233.35
502.33
50,735.68
145 11
0.0000
251.71
44.01
81.30
0.00
23.76
3,472.19
50,735.68
3,071.41
47,664.27
47,664.27
476.64
48,140.91
146 12
0.0000
251.71
44.01
79.04
0.00
23.76
3,447.35
48,140.91
3,048.83
45,092.08
45,092.08
450.92
45,543.00
147
1 2007
0.0000
251.71
44.01
76.79
0.00
23.76
3,422.52
45,543.00
3,026.25
42,516.75
42,516.75
425.17
42,941.92
148
0.0000
251.71
44.01
74.53
0.00
23.76
3,397.67
42,941.92
3,003.66
39,938.26
39,938.26
399.38
40,337.64
149
0.0000
251.71
44.01
72.27
0.00
23.76
3,372.83
40,337.64
2,981.08
37,356.56
37,356.56
373.57
37,730.13
150
0.0000
251.71
44.01
70.01
0.00
23.76
3,347.99
37,730.13
2,958.50
34,771.63
34,771.63
347.72
35,119.35
151
0.0000
251.71
44.01
67.75
0.00
23.76
3,323.15
35,119.35
2,935.92
32,183.43
32,183.43
321.83
32,505.26
152
0.0000
251.71
44.01
65.49
0.00
23.76
3,298.29
32,505.26
2,913.32
29,591.94
29,591.94
295.92
29,887.86
153
0.0000
251.71
44.01
63.24
0.00
23.76
3,273.46
29,887.86
2,890.74
26,997.12
26,997.12
269.97
27,267.09
154
0.0000
251.71
44.01
60.98
0.00
23.76
3,248.61
27,267.09
2,868.15
24,398.94
24,398.94
243.99
24,642.93
155
0.0000
251.71
44.01
58.72
0.00
23.76
3,223.77
24,642.93
2,845.57
21,797.36
21,797.36
217.97
22,015.33
156 10
0.0000
251.71
44.01
56.46
0.00
23.76
3,198.93
22,015.33
2,822.99
19,192.34
19,192.34
191.92
19,384.26
157 11
0.0000
251.71
44.01
54.20
0.00
23.76
3,174.09
19,384.26
2,800.41
16,583.85
16,583.85
165.84
16,749.69
158 12
0.0000
251.71
44.01
51.94
0.00
23.76
3,149.25
16,749.69
2,777.83
13,971.86
13,971.86
139.72
14,111.58
159
1 2008
0.0000
251.71
44.01
49.69
0.00
23.76
3,124.42
14,111.58
2,755.25
11,356.33
11,356.33
113.56
11,469.89
160
0.0000
251.71
44.01
47.43
0.00
23.76
3,099.57
11,469.89
2,732.66
8,737.23
8,737.23
87.37
8,824.60
161
0.0000
251.71
44.01
45.17
0.00
23.76
3,074.71
8,824.60
2,710.06
6,114.54
6,114.54
61.15
6,175.69
162
0.0000
251.71
44.01
42.91
0.00
23.76
3,049.87
6,175.69
2,687.48
3,488.21
3,488.21
34.88
3,523.09
10
DIFERENA
ENTRE O
SALDO
ANTERIOR
NOVO
DESATUALIZADO
SALDO
EA
ATUALIZADO
PRESTAO
SALDO
DCV
%(4)
MPI
DFI
SC
FCVS
TS
PMT
COM JUROS
LQUIDA
JUROS
-----------------
SOBRE O
----------------SALDO
ANTERIOR
PRESTAO
NOVO SALDO
NOVO SALDO
NOVO SALDO
DEVEDOR
DESATUALIZADO
LQUIDA
DESATUALIZADO
ATUALIZADO
ATUALIZADO
FINAL
163
0.0000
251.71
44.01
40.65
0.00
23.76
3,025.03
3,523.09
2,664.90
858.19
858.19
8.58
866.77
164
0.0000
251.71
44.01
38.39
0.00
23.76
3,000.19
866.77
2,642.32
-1,775.55
-1,775.55
-17.76
-1,793.31
165
0.0000
251.71
44.01
36.13
0.00
23.76
2,975.35
-1,793.31
2,619.74
-4,413.05
-4,413.05
-44.13
-4,457.18
166
0.0000
251.71
44.01
33.88
0.00
23.76
2,950.51
-4,457.18
2,597.15
-7,054.33
-7,054.33
-70.54
-7,124.87
167
0.0000
251.71
44.01
31.62
0.00
23.76
2,925.67
-7,124.87
2,574.57
-9,699.44
-9,699.44
-96.99
-9,796.43
168 10
0.0000
251.71
44.01
29.36
0.00
23.76
2,900.83
-9,796.43
2,551.99
-12,348.42
-12,348.42
-123.48
-12,471.90
169 11
0.0000
251.71
44.01
27.10
0.00
23.76
2,875.99
-12,471.90
2,529.41
-15,001.31
-15,001.31
-150.01
-15,151.32
170 12
0.0000
251.71
44.01
24.84
0.00
23.76
2,851.13
-15,151.32
2,506.81
-17,658.13
-17,658.13
-176.58
-17,834.71
171
1 2009
0.0000
251.71
44.01
22.58
0.00
23.76
2,826.28
-17,834.71
2,484.22
-20,318.93
-20,318.93
-203.19
-20,522.12
172
0.0000
251.71
44.01
20.33
0.00
23.76
2,801.45
-20,522.12
2,461.64
-22,983.76
-22,983.76
-229.84
-23,213.60
173
0.0000
251.71
44.01
18.07
0.00
23.76
2,776.61
-23,213.60
2,439.06
-25,652.66
-25,652.66
-256.53
-25,909.19
174
0.0000
251.71
44.01
15.81
0.00
23.76
2,751.77
-25,909.19
2,416.48
-28,325.67
-28,325.67
-283.26
-28,608.93
175
0.0000
251.71
44.01
13.55
0.00
23.76
2,726.93
-28,608.93
2,393.90
-31,002.83
-31,002.83
-310.03
-31,312.86
176
0.0000
251.71
44.01
11.29
0.00
23.76
2,702.09
-31,312.86
2,371.32
-33,684.18
-33,684.18
-336.84
-34,021.02
177
0.0000
251.71
44.01
9.03
0.00
23.76
2,677.25
-34,021.02
2,348.74
-36,369.76
-36,369.76
-363.70
-36,733.46
178
0.0000
251.71
44.01
6.78
0.00
23.76
2,652.41
-36,733.46
2,326.15
-39,059.61
-39,059.61
-390.60
-39,450.21
179
0.0000
251.71
44.01
4.52
0.00
23.76
2,627.55
-39,450.21
2,303.55
-41,753.76
-41,753.76
-417.54
-42,171.30
180 10
0.0000
251.71
44.01
2.26
0.00
23.76
2,602.71
-42,171.30
2,280.97
-44,452.27
-44,452.27
-444.52
-44,896.79
181
182
183
184
185
186
187
188
189
190
191
192
193
194
10
DIFERENA
ENTRE O
SALDO
ANTERIOR
NOVO
DESATUALIZADO
SALDO
EA
ATUALIZADO
PRESTAO
SALDO
DCV
195
196
197
198
199
200
201
202
203
204
205
206
207
208
209
210
211
212
213
214
215
216
217
218
219
220
221
222
223
224
225
226
%(4)
MPI
DFI
SC
FCVS
TS
PMT
COM JUROS
LQUIDA
JUROS
-----------------
SOBRE O
----------------SALDO
ANTERIOR
PRESTAO
NOVO SALDO
NOVO SALDO
NOVO SALDO
DEVEDOR
DESATUALIZADO
LQUIDA
DESATUALIZADO
ATUALIZADO
ATUALIZADO
FINAL
10
DIFERENA
ENTRE O
SALDO
ANTERIOR
NOVO
DESATUALIZADO
SALDO
EA
ATUALIZADO
PRESTAO
SALDO
DCV
227
228
229
230
231
232
233
234
235
236
237
238
239
240
241
242
243
244
245
246
247
248
249
250
251
252
253
254
255
256
257
258
%(4)
MPI
DFI
SC
FCVS
TS
PMT
COM JUROS
LQUIDA
JUROS
-----------------
SOBRE O
----------------SALDO
ANTERIOR
PRESTAO
NOVO SALDO
NOVO SALDO
NOVO SALDO
DEVEDOR
DESATUALIZADO
LQUIDA
DESATUALIZADO
ATUALIZADO
ATUALIZADO
FINAL
10
DIFERENA
ENTRE O
SALDO
ANTERIOR
NOVO
DESATUALIZADO
SALDO
EA
ATUALIZADO
PRESTAO
SALDO
DCV
259
260
261
262
263
264
265
266
267
268
269
270
271
272
273
274
275
276
277
278
279
280
281
282
283
284
285
286
287
288
289
290
%(4)
MPI
DFI
SC
FCVS
TS
PMT
COM JUROS
LQUIDA
JUROS
-----------------
SOBRE O
----------------SALDO
ANTERIOR
PRESTAO
NOVO SALDO
NOVO SALDO
NOVO SALDO
DEVEDOR
DESATUALIZADO
LQUIDA
DESATUALIZADO
ATUALIZADO
ATUALIZADO
FINAL
10
DIFERENA
ENTRE O
SALDO
ANTERIOR
NOVO
DESATUALIZADO
SALDO
EA
ATUALIZADO
PRESTAO
SALDO
DCV
291
292
293
294
295
296
297
298
299
300
301
302
303
304
305
306
307
308
309
310
311
312
313
314
315
316
317
318
319
320
321
322
%(4)
MPI
DFI
SC
FCVS
TS
PMT
COM JUROS
LQUIDA
JUROS
-----------------
SOBRE O
----------------SALDO
ANTERIOR
PRESTAO
NOVO SALDO
NOVO SALDO
NOVO SALDO
DEVEDOR
DESATUALIZADO
LQUIDA
DESATUALIZADO
ATUALIZADO
ATUALIZADO
FINAL
10
DIFERENA
ENTRE O
SALDO
ANTERIOR
NOVO
DESATUALIZADO
SALDO
EA
ATUALIZADO
PRESTAO
SALDO
DCV
323
324
325
326
327
328
329
330
331
332
333
334
335
336
337
338
339
340
341
342
343
344
345
346
347
348
349
350
351
352
353
354
%(4)
MPI
DFI
SC
FCVS
TS
PMT
COM JUROS
LQUIDA
JUROS
-----------------
SOBRE O
----------------SALDO
ANTERIOR
PRESTAO
NOVO SALDO
NOVO SALDO
NOVO SALDO
DEVEDOR
DESATUALIZADO
LQUIDA
DESATUALIZADO
ATUALIZADO
ATUALIZADO
FINAL
10
DIFERENA
ENTRE O
SALDO
ANTERIOR
NOVO
DESATUALIZADO
SALDO
EA
ATUALIZADO
PRESTAO
SALDO
DCV
355
356
357
358
359
360
%(4)
MPI
DFI
SC
FCVS
TS
PMT
COM JUROS
LQUIDA
JUROS
-----------------
SOBRE O
----------------SALDO
ANTERIOR
PRESTAO
NOVO SALDO
NOVO SALDO
NOVO SALDO
DEVEDOR
DESATUALIZADO
LQUIDA
DESATUALIZADO
ATUALIZADO
ATUALIZADO
FINAL
Totalizao ( 1. Interpretao )
+
+
+
+
+
694,226.18
-44,896.79
649,329.39
649,329.39
Valor Financiado
200,000.00
449,329.39
694,226.18

41,848.99
7,316.54
31,875.06

0.00
3,950.12
779,216.89
779,216.89
-44,896.79
Total a Prazo
734,320.10
Total a Prazo
734,320.10
Valor Financiado
200,000.00
Acrscimo Total
534,320.10
LEIA A OBSERVAO LOGO ABAIXO
NOTA-SE QUE O SALDO DEVEDOR EST NEGATIVO NA LTIMA LINHA DO QUADRO DE AMORTIZAO. AINDA PERCEBE-SE NESTE CASO QUE O MESMO J VINHA NEGATIVO. POR CAUSA DISSO DEVE-SE RESSALTAR QUE O PROCEDIMENTO DE CLCULO DOS VALORES DO QUADRO DE AMORTIZAO PERMANECEU IDNTICO DURANTE TODA A SUA ELABORAO ( ISTO INCLUE TAMBM O CLCULO DOS JUROS MENSAIS SOBRE OS SALDOS DEVEDORES NEGATIVOS ).

=>
2. INTERPRETAO :
DEPOIS DE CORRIGIR O SALDO DEVEDOR, RETIRA-SE O VALOR DA PRESTAO CORRIGIDA E DEPOIS
COLOCA-SE OS JUROS DO MS NO SALDO.
Caracterstica:
Legenda:
1 - Juros
4 - Saldo Devedor
ATENO :
=>

CONFUSO AO USURIO .

ESTE VALOR
DEVE
ESTAR SITUADO NO MS


FINALMENTE,
Dados iniciais.

1.000000%
200,000.00
180
11
1994

valor Financiado

5
10
DIFERENA
ENTRE O
SALDO
ANTERIOR
NOVO
ATUALIZADO
SALDO
EA
ATUALIZADO
PRESTAO
DCV
%(4)
MPI
DFI
SC
FCVS
TS
PMT
COM JUROS
LQUIDA
JUROS
-----------------
SOBRE O
----------------SALDO
SALDO
SALDO
ANTERIOR
ANTERIOR
PRESTAO
NOVO SALDO
NOVO SALDO
DEVEDOR
DESATUALIZADO
ATUALIZADO
LQUIDA
ATUALIZADO
ATUALIZADO
FINAL
1 11 1994
2.5551
127.00
22.20
205.11
0.00
12.00
3,556.91
200,000.00
205,110.20
3,190.60
201,919.60
2,019.20
203,938.80
2 12
2.9210
130.71
22.85
209.93
0.00
12.35
3,647.91
203,938.80
209,895.85
3,272.07
206,623.78
2,066.24
208,690.02
1 1995
2.8731
134.47
23.51
214.75
0.00
12.70
3,739.45
208,690.02
214,685.89
3,354.02
211,331.87
2,113.32
213,445.19
2.1013
137.30
24.00
218.03
0.00
12.97
3,804.48
213,445.19
217,930.31
3,412.18
214,518.13
2,145.18
216,663.31
1.8531
139.84
24.44
220.82
0.00
13.21
3,861.18
216,663.31
220,678.30
3,462.87
217,215.43
2,172.15
219,387.58
2.2998
143.06
25.00
224.62
0.00
13.51
3,935.85
219,387.58
224,433.06
3,529.66
220,903.40
2,209.03
223,112.43
3.4667
148.02
25.87
231.07
0.00
13.98
4,057.68
223,112.43
230,847.07
3,638.74
227,208.33
2,272.08
229,480.41
3.2471
152.83
26.71
237.21
0.00
14.43
4,174.37
229,480.41
236,931.87
3,743.19
233,188.68
2,331.89
235,520.57
2.8863
157.24
27.48
242.64
0.00
14.85
4,279.33
235,520.57
242,318.40
3,837.12
238,481.28
2,384.81
240,866.09
10
2.9905
161.94
28.30
248.44
0.00
15.29
4,391.31
240,866.09
248,069.19
3,937.34
244,131.85
2,441.32
246,573.17
11
2.6045
166.16
29.04
253.43
0.00
15.69
4,489.30
246,573.17
252,995.17
4,024.98
248,970.19
2,489.70
251,459.89
10
DIFERENA
ENTRE O
SALDO
ANTERIOR
NOVO
ATUALIZADO
SALDO
EA
ATUALIZADO
PRESTAO
DCV
%(4)
MPI
DFI
SC
FCVS
TS
PMT
COM JUROS
LQUIDA
JUROS
-----------------
SOBRE O
----------------SALDO
SALDO
SALDO
ANTERIOR
ANTERIOR
PRESTAO
NOVO SALDO
NOVO SALDO
DEVEDOR
DESATUALIZADO
ATUALIZADO
LQUIDA
ATUALIZADO
ATUALIZADO
FINAL
12 10
1.9393
169.38
29.60
256.82
0.00
15.99
4,559.64
251,459.89
256,336.45
4,087.85
252,248.60
2,522.49
254,771.09
13 11
1.6540
172.18
30.09
259.52
0.00
16.25
4,618.05
254,771.09
258,985.00
4,140.01
254,844.99
2,548.45
257,393.44
14 12
1.4387
174.66
30.52
261.69
0.00
16.48
4,667.26
257,393.44
261,096.56
4,183.91
256,912.65
2,569.13
259,481.78
15
1 1996
1.3400
177.00
30.93
263.61
0.00
16.70
4,712.32
259,481.78
262,958.84
4,224.08
258,734.76
2,587.35
261,322.11
16
1.2526
179.22
31.32
265.30
0.00
16.91
4,753.66
261,322.11
264,595.43
4,260.91
260,334.52
2,603.35
262,937.87
17
0.9625
180.94
31.62
266.23
0.00
17.07
4,781.55
262,937.87
265,468.65
4,285.69
261,182.96
2,611.83
263,794.79
18
0.8139
182.41
31.88
266.76
0.00
17.21
4,802.47
263,794.79
265,941.82
4,304.21
261,637.61
2,616.38
264,253.99
19
0.6597
183.61
32.09
266.88
0.00
17.32
4,816.03
264,253.99
265,997.27
4,316.13
261,681.14
2,616.81
264,297.95
20
0.5888
184.69
32.28
266.79
0.00
17.42
4,826.16
264,297.95
265,854.14
4,324.98
261,529.16
2,615.29
264,144.45
21
0.6099
185.82
32.48
266.75
0.00
17.53
4,837.26
264,144.45
265,755.47
4,334.68
261,420.79
2,614.21
264,035.00
22
0.5851
186.91
32.67
266.63
0.00
17.63
4,847.12
264,035.00
265,579.87
4,343.28
261,236.59
2,612.37
263,848.96
23
0.6275
188.08
32.88
266.62
0.00
17.74
4,858.98
263,848.96
265,504.61
4,353.66
261,150.95
2,611.51
263,762.46
24 10
0.6620
189.33
33.10
266.69
0.00
17.86
4,872.46
263,762.46
265,508.57
4,365.48
261,143.09
2,611.43
263,754.52
25 11
0.7419
190.73
33.35
266.95
0.00
17.99
4,889.78
263,754.52
265,711.31
4,380.76
261,330.55
2,613.31
263,943.86
26 12
0.8146
192.28
33.62
267.40
0.00
18.14
4,910.63
263,943.86
266,093.95
4,399.19
261,694.76
2,616.95
264,311.71
27
1 1997
0.8717
193.96
33.91
267.99
0.00
18.30
4,934.30
264,311.71
266,615.72
4,420.14
262,195.58
2,621.96
264,817.54
28
0.7440
195.40
34.16
268.23
0.00
18.44
4,951.73
264,817.54
266,787.78
4,435.50
262,352.28
2,623.52
264,975.80
29
0.6616
196.69
34.39
268.24
0.00
18.56
4,965.08
264,975.80
266,728.88
4,447.20
262,281.68
2,622.82
264,904.50
30
0.6316
197.93
34.61
268.16
0.00
18.68
4,976.91
264,904.50
266,577.64
4,457.53
262,120.11
2,621.20
264,741.31
31
0.6211
199.16
34.82
268.04
0.00
18.80
4,988.16
264,741.31
266,385.62
4,467.34
261,918.28
2,619.18
264,537.46
32
0.6354
200.43
35.04
267.95
0.00
18.92
5,000.09
264,537.46
266,218.33
4,477.75
261,740.58
2,617.41
264,357.99
33
0.6535
201.74
35.27
267.89
0.00
19.04
5,012.84
264,357.99
266,085.57
4,488.90
261,596.67
2,615.97
264,212.64
34
0.6580
203.07
35.50
267.83
0.00
19.17
5,025.79
264,212.64
265,951.16
4,500.22
261,450.94
2,614.51
264,065.45
35
0.6270
204.34
35.72
267.67
0.00
19.29
5,037.12
264,065.45
265,721.14
4,510.10
261,211.04
2,612.11
263,823.15
36 10
0.6474
205.66
35.95
267.56
0.00
19.41
5,049.43
263,823.15
265,531.14
4,520.85
261,010.29
2,610.10
263,620.39
37 11
0.6553
207.01
36.19
267.46
0.00
19.54
5,062.10
263,620.39
265,347.89
4,531.90
260,815.99
2,608.16
263,424.15
38 12
1.5334
210.18
36.74
269.67
0.00
19.84
5,118.97
263,424.15
267,463.50
4,582.54
262,880.96
2,628.81
265,509.77
39
1 1998
1.3085
212.93
37.22
271.29
0.00
20.10
5,164.94
265,509.77
268,983.97
4,623.40
264,360.57
2,643.61
267,004.18
40
1.1459
215.37
37.65
272.47
0.00
20.33
5,202.87
267,004.18
270,063.78
4,657.05
265,406.73
2,654.07
268,060.80
41
0.4461
216.33
37.82
271.74
0.00
20.42
5,204.73
268,060.80
269,256.62
4,658.42
264,598.20
2,645.98
267,244.18
42
0.8995
218.28
38.16
272.23
0.00
20.60
5,229.99
267,244.18
269,648.04
4,680.72
264,967.32
2,649.67
267,616.99
43
0.4720
219.31
38.34
271.54
0.00
20.70
5,233.03
267,616.99
268,880.14
4,683.14
264,197.00
2,641.97
266,838.97
10
DIFERENA
ENTRE O
SALDO
ANTERIOR
NOVO
ATUALIZADO
SALDO
EA
ATUALIZADO
PRESTAO
DCV
%(4)
MPI
DFI
SC
FCVS
TS
PMT
COM JUROS
LQUIDA
JUROS
-----------------
SOBRE O
----------------SALDO
SALDO
SALDO
ANTERIOR
ANTERIOR
PRESTAO
NOVO SALDO
NOVO SALDO
DEVEDOR
DESATUALIZADO
ATUALIZADO
LQUIDA
ATUALIZADO
ATUALIZADO
FINAL
44
0.4543
220.31
38.51
270.80
0.00
20.79
5,235.06
266,838.97
268,051.22
4,684.65
263,366.57
2,633.67
266,000.24
45
0.4913
221.39
38.70
270.15
0.00
20.89
5,238.94
266,000.24
267,307.10
4,687.81
262,619.29
2,626.19
265,245.48
46
0.5503
222.61
38.91
269.63
0.00
21.00
5,245.78
265,245.48
266,705.13
4,693.63
262,011.50
2,620.12
264,631.62
47
0.3749
223.44
39.06
268.64
0.00
21.08
5,243.40
264,631.62
265,623.72
4,691.18
260,932.54
2,609.33
263,541.87
48 10
0.4512
224.45
39.24
267.84
0.00
21.18
5,244.92
263,541.87
264,730.97
4,692.21
260,038.76
2,600.39
262,639.15
49 11
0.8892
226.45
39.59
268.19
0.00
21.37
5,269.22
262,639.15
264,974.54
4,713.62
260,260.92
2,602.61
262,863.53
50 12
0.6136
227.84
39.83
267.79
0.00
21.50
5,279.06
262,863.53
264,476.46
4,722.10
259,754.36
2,597.54
262,351.90
51
1 1999
0.7434
229.53
40.13
267.72
0.00
21.66
5,295.66
262,351.90
264,302.22
4,736.62
259,565.60
2,595.66
262,161.26
52
0.5163
230.72
40.34
267.03
0.00
21.77
5,300.21
262,161.26
263,514.80
4,740.35
258,774.45
2,587.74
261,362.19
53
0.8298
232.63
40.67
267.16
0.00
21.95
5,321.23
261,362.19
263,530.97
4,758.82
258,772.15
2,587.72
261,359.87
54
1.1614
235.33
41.14
268.15
0.00
22.20
5,359.80
261,359.87
264,395.30
4,792.98
259,602.32
2,596.02
262,198.34
55
0.6092
236.76
41.39
267.66
0.00
22.34
5,369.08
262,198.34
263,795.65
4,800.93
258,994.72
2,589.95
261,584.67
56
0.5761
238.12
41.63
267.07
0.00
22.47
5,376.52
261,584.67
263,091.66
4,807.23
258,284.43
2,582.84
260,867.27
57
0.3108
238.86
41.76
265.76
0.00
22.54
5,369.66
260,867.27
261,678.05
4,800.74
256,877.31
2,568.77
259,446.08
58
0.2933
239.56
41.88
264.39
0.00
22.61
5,361.77
259,446.08
260,207.04
4,793.33
255,413.71
2,554.14
257,967.85
59
0.2945
240.27
42.00
263.01
0.00
22.68
5,353.85
257,967.85
258,727.57
4,785.89
253,941.68
2,539.42
256,481.10
60 10
0.2715
240.92
42.11
261.56
0.00
22.74
5,344.60
256,481.10
257,177.45
4,777.27
252,400.18
2,524.00
254,924.18
61 11
0.2265
241.47
42.21
259.99
0.00
22.79
5,332.87
254,924.18
255,501.58
4,766.41
250,735.17
2,507.35
253,242.52
62 12
0.1998
241.95
42.29
258.34
0.00
22.84
5,319.64
253,242.52
253,748.50
4,754.22
248,994.28
2,489.94
251,484.22
63
1 2000
0.2998
242.68
42.42
256.93
0.00
22.91
5,311.64
251,484.22
252,238.17
4,746.70
247,491.47
2,474.91
249,966.38
64
0.2149
243.20
42.51
255.30
0.00
22.96
5,299.06
249,966.38
250,503.56
4,735.09
245,768.47
2,457.68
248,226.15
65
0.2328
243.77
42.61
253.71
0.00
23.01
5,287.34
248,226.15
248,804.02
4,724.24
244,079.78
2,440.80
246,520.58
66
0.2242
244.32
42.71
252.09
0.00
23.06
5,275.09
246,520.58
247,073.28
4,712.91
242,360.37
2,423.60
244,783.97
67
0.1301
244.64
42.77
250.22
0.00
23.09
5,257.82
244,783.97
245,102.43
4,697.10
240,405.33
2,404.05
242,809.38
68
0.2492
245.25
42.88
248.64
0.00
23.15
5,246.72
242,809.38
243,414.46
4,686.80
238,727.66
2,387.28
241,114.94
69
0.2140
245.77
42.97
246.97
0.00
23.20
5,233.69
241,114.94
241,630.93
4,674.78
236,956.15
2,369.56
239,325.71
70
0.1547
246.15
43.04
245.14
0.00
23.24
5,217.48
239,325.71
239,695.95
4,659.91
235,036.04
2,350.36
237,386.40
71
0.2025
246.65
43.13
243.43
0.00
23.29
5,203.72
237,386.40
237,867.11
4,647.22
233,219.89
2,332.20
235,552.09
72 10
0.1038
246.91
43.17
241.46
0.00
23.31
5,184.74
235,552.09
235,796.59
4,629.89
231,166.70
2,311.67
233,478.37
73 11
0.1316
247.23
43.23
239.56
0.00
23.34
5,167.17
233,478.37
233,785.63
4,613.81
229,171.82
2,291.72
231,463.54
74 12
0.1197
247.53
43.28
237.63
0.00
23.37
5,148.93
231,463.54
231,740.60
4,597.12
227,143.48
2,271.43
229,414.91
75
0.0991
247.78
43.32
235.64
0.00
23.39
5,129.58
229,414.91
229,642.26
4,579.45
225,062.81
2,250.63
227,313.44
1 2001
10
DIFERENA
ENTRE O
SALDO
ANTERIOR
NOVO
ATUALIZADO
SALDO
EA
ATUALIZADO
PRESTAO
DCV
%(4)
MPI
DFI
SC
FCVS
TS
PMT
COM JUROS
LQUIDA
JUROS
-----------------
SOBRE O
----------------SALDO
SALDO
SALDO
ANTERIOR
ANTERIOR
PRESTAO
NOVO SALDO
NOVO SALDO
DEVEDOR
DESATUALIZADO
ATUALIZADO
LQUIDA
ATUALIZADO
ATUALIZADO
FINAL
76
0.1369
248.12
43.38
233.74
0.00
23.42
5,112.12
227,313.44
227,624.63
4,563.46
223,061.17
2,230.61
225,291.78
77
0.0368
248.21
43.40
231.60
0.00
23.43
5,089.52
225,291.78
225,374.69
4,542.88
220,831.81
2,208.32
223,040.13
78
0.1724
248.64
43.47
229.77
0.00
23.47
5,073.75
223,040.13
223,424.65
4,528.40
218,896.25
2,188.96
221,085.21
79
0.1546
249.02
43.54
227.89
0.00
23.51
5,057.00
221,085.21
221,427.01
4,513.04
216,913.97
2,169.14
219,083.11
80
0.1827
249.47
43.62
226.07
0.00
23.55
5,041.62
219,083.11
219,483.37
4,498.91
214,984.46
2,149.84
217,134.30
81
0.1458
249.83
43.68
224.15
0.00
23.58
5,024.29
217,134.30
217,450.88
4,483.05
212,967.83
2,129.68
215,097.51
82
0.2441
250.44
43.79
222.45
0.00
23.64
5,011.85
215,097.51
215,622.56
4,471.53
211,151.03
2,111.51
213,262.54
83
0.3436
251.30
43.94
220.96
0.00
23.72
5,004.27
213,262.54
213,995.31
4,464.35
209,530.96
2,095.31
211,626.27
84 10
0.1627
251.71
44.01
219.06
0.00
23.76
4,987.57
211,626.27
211,970.59
4,449.03
207,521.56
2,075.22
209,596.78
85 11
0.0000
251.71
44.01
216.81
0.00
23.76
4,962.74
209,596.78
209,596.78
4,426.45
205,170.33
2,051.70
207,222.03
86 12
0.0000
251.71
44.01
214.55
0.00
23.76
4,937.90
207,222.03
207,222.03
4,403.87
202,818.16
2,028.18
204,846.34
87
1 2002
0.0000
251.71
44.01
212.29
0.00
23.76
4,913.06
204,846.34
204,846.34
4,381.29
200,465.05
2,004.65
202,469.70
88
0.0000
251.71
44.01
210.03
0.00
23.76
4,888.19
202,469.70
202,469.70
4,358.68
198,111.02
1,981.11
200,092.13
89
0.0000
251.71
44.01
207.77
0.00
23.76
4,863.35
200,092.13
200,092.13
4,336.10
195,756.03
1,957.56
197,713.59
90
0.0000
251.71
44.01
205.51
0.00
23.76
4,838.51
197,713.59
197,713.59
4,313.52
193,400.07
1,934.00
195,334.07
91
0.0000
251.71
44.01
203.26
0.00
23.76
4,813.68
195,334.07
195,334.07
4,290.94
191,043.13
1,910.43
192,953.56
92
0.0000
251.71
44.01
201.00
0.00
23.76
4,788.84
192,953.56
192,953.56
4,268.36
188,685.20
1,886.85
190,572.05
93
0.0000
251.71
44.01
198.74
0.00
23.76
4,764.00
190,572.05
190,572.05
4,245.78
186,326.27
1,863.26
188,189.53
94
0.0000
251.71
44.01
196.48
0.00
23.76
4,739.15
188,189.53
188,189.53
4,223.19
183,966.34
1,839.66
185,806.00
95
0.0000
251.71
44.01
194.22
0.00
23.76
4,714.31
185,806.00
185,806.00
4,200.61
181,605.39
1,816.05
183,421.44
96 10
0.0000
251.71
44.01
191.96
0.00
23.76
4,689.47
183,421.44
183,421.44
4,178.03
179,243.41
1,792.43
181,035.84
97 11
0.0000
251.71
44.01
189.71
0.00
23.76
4,664.62
181,035.84
181,035.84
4,155.43
176,880.41
1,768.80
178,649.21
98 12
0.0000
251.71
44.01
187.45
0.00
23.76
4,639.78
178,649.21
178,649.21
4,132.85
174,516.36
1,745.16
176,261.52
99
1 2003
0.0000
251.71
44.01
185.19
0.00
23.76
4,614.94
176,261.52
176,261.52
4,110.27
172,151.25
1,721.51
173,872.76
100
0.0000
251.71
44.01
182.93
0.00
23.76
4,590.09
173,872.76
173,872.76
4,087.68
169,785.08
1,697.85
171,482.93
101
0.0000
251.71
44.01
180.67
0.00
23.76
4,565.25
171,482.93
171,482.93
4,065.10
167,417.83
1,674.18
169,092.01
102
0.0000
251.71
44.01
178.41
0.00
23.76
4,540.41
169,092.01
169,092.01
4,042.52
165,049.49
1,650.49
166,699.98
103
0.0000
251.71
44.01
176.15
0.00
23.76
4,515.57
166,699.98
166,699.98
4,019.94
162,680.04
1,626.80
164,306.84
104
0.0000
251.71
44.01
173.90
0.00
23.76
4,490.74
164,306.84
164,306.84
3,997.36
160,309.48
1,603.09
161,912.57
105
0.0000
251.71
44.01
171.64
0.00
23.76
4,465.90
161,912.57
161,912.57
3,974.78
157,937.79
1,579.38
159,517.17
106
0.0000
251.71
44.01
169.38
0.00
23.76
4,441.03
159,517.17
159,517.17
3,952.17
155,565.00
1,555.65
157,120.65
107
0.0000
251.71
44.01
167.12
0.00
23.76
4,416.19
157,120.65
157,120.65
3,929.59
153,191.06
1,531.91
154,722.97
10
DIFERENA
ENTRE O
SALDO
ANTERIOR
NOVO
ATUALIZADO
SALDO
EA
ATUALIZADO
PRESTAO
DCV
%(4)
MPI
DFI
SC
FCVS
TS
PMT
COM JUROS
LQUIDA
JUROS
-----------------
SOBRE O
----------------SALDO
SALDO
SALDO
ANTERIOR
ANTERIOR
PRESTAO
NOVO SALDO
NOVO SALDO
DEVEDOR
DESATUALIZADO
ATUALIZADO
LQUIDA
ATUALIZADO
ATUALIZADO
FINAL
108 10
0.0000
251.71
44.01
164.86
0.00
23.76
4,391.35
154,722.97
154,722.97
3,907.01
150,815.96
1,508.16
152,324.12
109 11
0.0000
251.71
44.01
162.60
0.00
23.76
4,366.51
152,324.12
152,324.12
3,884.43
148,439.69
1,484.40
149,924.09
110 12
0.0000
251.71
44.01
160.35
0.00
23.76
4,341.68
149,924.09
149,924.09
3,861.85
146,062.24
1,460.62
147,522.86
111
1 2004
0.0000
251.71
44.01
158.09
0.00
23.76
4,316.84
147,522.86
147,522.86
3,839.27
143,683.59
1,436.84
145,120.43
112
0.0000
251.71
44.01
155.83
0.00
23.76
4,291.99
145,120.43
145,120.43
3,816.68
141,303.75
1,413.04
142,716.79
113
0.0000
251.71
44.01
153.57
0.00
23.76
4,267.15
142,716.79
142,716.79
3,794.10
138,922.69
1,389.23
140,311.92
114
0.0000
251.71
44.01
151.31
0.00
23.76
4,242.31
140,311.92
140,311.92
3,771.52
136,540.40
1,365.40
137,905.80
115
0.0000
251.71
44.01
149.05
0.00
23.76
4,217.45
137,905.80
137,905.80
3,748.92
134,156.88
1,341.57
135,498.45
116
0.0000
251.71
44.01
146.80
0.00
23.76
4,192.62
135,498.45
135,498.45
3,726.34
131,772.11
1,317.72
133,089.83
117
0.0000
251.71
44.01
144.54
0.00
23.76
4,167.78
133,089.83
133,089.83
3,703.76
129,386.07
1,293.86
130,679.93
118
0.0000
251.71
44.01
142.28
0.00
23.76
4,142.93
130,679.93
130,679.93
3,681.17
126,998.76
1,269.99
128,268.75
119
0.0000
251.71
44.01
140.02
0.00
23.76
4,118.09
128,268.75
128,268.75
3,658.59
124,610.16
1,246.10
125,856.26
120 10
0.0000
251.71
44.01
137.76
0.00
23.76
4,093.25
125,856.26
125,856.26
3,636.01
122,220.25
1,222.20
123,442.45
121 11
0.0000
251.71
44.01
135.50
0.00
23.76
4,068.41
123,442.45
123,442.45
3,613.43
119,829.02
1,198.29
121,027.31
122 12
0.0000
251.71
44.01
133.25
0.00
23.76
4,043.58
121,027.31
121,027.31
3,590.85
117,436.46
1,174.36
118,610.82
123
1 2005
0.0000
251.71
44.01
130.99
0.00
23.76
4,018.74
118,610.82
118,610.82
3,568.27
115,042.55
1,150.43
116,192.98
124
0.0000
251.71
44.01
128.73
0.00
23.76
3,993.87
116,192.98
116,192.98
3,545.66
112,647.32
1,126.47
113,773.79
125
0.0000
251.71
44.01
126.47
0.00
23.76
3,969.03
113,773.79
113,773.79
3,523.08
110,250.71
1,102.51
111,353.22
126
0.0000
251.71
44.01
124.21
0.00
23.76
3,944.19
111,353.22
111,353.22
3,500.50
107,852.72
1,078.53
108,931.25
127
0.0000
251.71
44.01
121.95
0.00
23.76
3,919.35
108,931.25
108,931.25
3,477.92
105,453.33
1,054.53
106,507.86
128
0.0000
251.71
44.01
119.70
0.00
23.76
3,894.52
106,507.86
106,507.86
3,455.34
103,052.52
1,030.53
104,083.05
129
0.0000
251.71
44.01
117.44
0.00
23.76
3,869.68
104,083.05
104,083.05
3,432.76
100,650.29
1,006.50
101,656.79
130
0.0000
251.71
44.01
115.18
0.00
23.76
3,844.83
101,656.79
101,656.79
3,410.17
98,246.62
982.47
99,229.09
131
0.0000
251.71
44.01
112.92
0.00
23.76
3,819.99
99,229.09
99,229.09
3,387.59
95,841.50
958.42
96,799.92
132 10
0.0000
251.71
44.01
110.66
0.00
23.76
3,795.15
96,799.92
96,799.92
3,365.01
93,434.91
934.35
94,369.26
133 11
0.0000
251.71
44.01
108.40
0.00
23.76
3,770.29
94,369.26
94,369.26
3,342.41
91,026.85
910.27
91,937.12
134 12
0.0000
251.71
44.01
106.14
0.00
23.76
3,745.45
91,937.12
91,937.12
3,319.83
88,617.29
886.17
89,503.46
135
1 2006
0.0000
251.71
44.01
103.89
0.00
23.76
3,720.62
89,503.46
89,503.46
3,297.25
86,206.21
862.06
87,068.27
136
0.0000
251.71
44.01
101.63
0.00
23.76
3,695.77
87,068.27
87,068.27
3,274.66
83,793.61
837.94
84,631.55
137
0.0000
251.71
44.01
99.37
0.00
23.76
3,670.93
84,631.55
84,631.55
3,252.08
81,379.47
813.79
82,193.26
138
0.0000
251.71
44.01
97.11
0.00
23.76
3,646.09
82,193.26
82,193.26
3,229.50
78,963.76
789.64
79,753.40
139
0.0000
251.71
44.01
94.85
0.00
23.76
3,621.25
79,753.40
79,753.40
3,206.92
76,546.48
765.46
77,311.94
10
DIFERENA
ENTRE O
SALDO
ANTERIOR
NOVO
ATUALIZADO
SALDO
EA
ATUALIZADO
PRESTAO
DCV
%(4)
MPI
DFI
SC
FCVS
TS
PMT
COM JUROS
LQUIDA
JUROS
-----------------
SOBRE O
----------------SALDO
SALDO
SALDO
ANTERIOR
ANTERIOR
PRESTAO
NOVO SALDO
NOVO SALDO
DEVEDOR
DESATUALIZADO
ATUALIZADO
LQUIDA
ATUALIZADO
ATUALIZADO
FINAL
140
0.0000
251.71
44.01
92.59
0.00
23.76
3,596.41
77,311.94
77,311.94
3,184.34
74,127.60
741.28
74,868.88
141
0.0000
251.71
44.01
90.34
0.00
23.76
3,571.58
74,868.88
74,868.88
3,161.76
71,707.12
717.07
72,424.19
142
0.0000
251.71
44.01
88.08
0.00
23.76
3,546.71
72,424.19
72,424.19
3,139.15
69,285.04
692.85
69,977.89
143
0.0000
251.71
44.01
85.82
0.00
23.76
3,521.87
69,977.89
69,977.89
3,116.57
66,861.32
668.61
67,529.93
144 10
0.0000
251.71
44.01
83.56
0.00
23.76
3,497.03
67,529.93
67,529.93
3,093.99
64,435.94
644.36
65,080.30
145 11
0.0000
251.71
44.01
81.30
0.00
23.76
3,472.19
65,080.30
65,080.30
3,071.41
62,008.89
620.09
62,628.98
146 12
0.0000
251.71
44.01
79.04
0.00
23.76
3,447.35
62,628.98
62,628.98
3,048.83
59,580.15
595.80
60,175.95
147
1 2007
0.0000
251.71
44.01
76.79
0.00
23.76
3,422.52
60,175.95
60,175.95
3,026.25
57,149.70
571.50
57,721.20
148
0.0000
251.71
44.01
74.53
0.00
23.76
3,397.67
57,721.20
57,721.20
3,003.66
54,717.54
547.18
55,264.72
149
0.0000
251.71
44.01
72.27
0.00
23.76
3,372.83
55,264.72
55,264.72
2,981.08
52,283.64
522.84
52,806.48
150
0.0000
251.71
44.01
70.01
0.00
23.76
3,347.99
52,806.48
52,806.48
2,958.50
49,847.98
498.48
50,346.46
151
0.0000
251.71
44.01
67.75
0.00
23.76
3,323.15
50,346.46
50,346.46
2,935.92
47,410.54
474.11
47,884.65
152
0.0000
251.71
44.01
65.49
0.00
23.76
3,298.29
47,884.65
47,884.65
2,913.32
44,971.33
449.71
45,421.04
153
0.0000
251.71
44.01
63.24
0.00
23.76
3,273.46
45,421.04
45,421.04
2,890.74
42,530.30
425.30
42,955.60
154
0.0000
251.71
44.01
60.98
0.00
23.76
3,248.61
42,955.60
42,955.60
2,868.15
40,087.45
400.87
40,488.32
155
0.0000
251.71
44.01
58.72
0.00
23.76
3,223.77
40,488.32
40,488.32
2,845.57
37,642.75
376.43
38,019.18
156 10
0.0000
251.71
44.01
56.46
0.00
23.76
3,198.93
38,019.18
38,019.18
2,822.99
35,196.19
351.96
35,548.15
157 11
0.0000
251.71
44.01
54.20
0.00
23.76
3,174.09
35,548.15
35,548.15
2,800.41
32,747.74
327.48
33,075.22
158 12
0.0000
251.71
44.01
51.94
0.00
23.76
3,149.25
33,075.22
33,075.22
2,777.83
30,297.39
302.97
30,600.36
159
1 2008
0.0000
251.71
44.01
49.69
0.00
23.76
3,124.42
30,600.36
30,600.36
2,755.25
27,845.11
278.45
28,123.56
160
0.0000
251.71
44.01
47.43
0.00
23.76
3,099.57
28,123.56
28,123.56
2,732.66
25,390.90
253.91
25,644.81
161
0.0000
251.71
44.01
45.17
0.00
23.76
3,074.71
25,644.81
25,644.81
2,710.06
22,934.75
229.35
23,164.10
162
0.0000
251.71
44.01
42.91
0.00
23.76
3,049.87
23,164.10
23,164.10
2,687.48
20,476.62
204.77
20,681.39
163
0.0000
251.71
44.01
40.65
0.00
23.76
3,025.03
20,681.39
20,681.39
2,664.90
18,016.49
180.16
18,196.65
164
0.0000
251.71
44.01
38.39
0.00
23.76
3,000.19
18,196.65
18,196.65
2,642.32
15,554.33
155.54
15,709.87
165
0.0000
251.71
44.01
36.13
0.00
23.76
2,975.35
15,709.87
15,709.87
2,619.74
13,090.13
130.90
13,221.03
166
0.0000
251.71
44.01
33.88
0.00
23.76
2,950.51
13,221.03
13,221.03
2,597.15
10,623.88
106.24
10,730.12
167
0.0000
251.71
44.01
31.62
0.00
23.76
2,925.67
10,730.12
10,730.12
2,574.57
8,155.55
81.56
8,237.11
168 10
0.0000
251.71
44.01
29.36
0.00
23.76
2,900.83
8,237.11
8,237.11
2,551.99
5,685.12
56.85
5,741.97
169 11
0.0000
251.71
44.01
27.10
0.00
23.76
2,875.99
5,741.97
5,741.97
2,529.41
3,212.56
32.13
3,244.69
170 12
0.0000
251.71
44.01
24.84
0.00
23.76
2,851.13
3,244.69
3,244.69
2,506.81
737.88
7.38
745.26
171
0.0000
251.71
44.01
22.58
0.00
23.76
2,826.28
745.26
745.26
2,484.22
-1,738.96
-17.39
-1,756.35
1 2009
10
DIFERENA
ENTRE O
SALDO
ANTERIOR
NOVO
ATUALIZADO
SALDO
EA
ATUALIZADO
PRESTAO
DCV
%(4)
MPI
DFI
SC
FCVS
TS
PMT
COM JUROS
LQUIDA
JUROS
-----------------
SOBRE O
----------------SALDO
SALDO
SALDO
ANTERIOR
ANTERIOR
PRESTAO
NOVO SALDO
NOVO SALDO
DEVEDOR
DESATUALIZADO
ATUALIZADO
LQUIDA
ATUALIZADO
ATUALIZADO
FINAL
172
0.0000
251.71
44.01
20.33
0.00
23.76
2,801.45
-1,756.35
-1,756.35
2,461.64
-4,217.99
-42.18
-4,260.17
173
0.0000
251.71
44.01
18.07
0.00
23.76
2,776.61
-4,260.17
-4,260.17
2,439.06
-6,699.23
-66.99
-6,766.22
174
0.0000
251.71
44.01
15.81
0.00
23.76
2,751.77
-6,766.22
-6,766.22
2,416.48
-9,182.70
-91.83
-9,274.53
175
0.0000
251.71
44.01
13.55
0.00
23.76
2,726.93
-9,274.53
-9,274.53
2,393.90
-11,668.43
-116.68
-11,785.11
176
0.0000
251.71
44.01
11.29
0.00
23.76
2,702.09
-11,785.11
-11,785.11
2,371.32
-14,156.43
-141.56
-14,297.99
177
0.0000
251.71
44.01
9.03
0.00
23.76
2,677.25
-14,297.99
-14,297.99
2,348.74
-16,646.73
-166.47
-16,813.20
178
0.0000
251.71
44.01
6.78
0.00
23.76
2,652.41
-16,813.20
-16,813.20
2,326.15
-19,139.35
-191.39
-19,330.74
179
0.0000
251.71
44.01
4.52
0.00
23.76
2,627.55
-19,330.74
-19,330.74
2,303.55
-21,634.29
-216.34
-21,850.63
180 10
0.0000
251.71
44.01
2.26
0.00
23.76
2,602.71
-21,850.63
-21,850.63
2,280.97
-24,131.60
-241.32
-24,372.92
181
182
183
184
185
186
187
188
189
190
191
192
193
194
195
196
197
198
199
200
201
202
203
10
DIFERENA
ENTRE O
SALDO
ANTERIOR
NOVO
ATUALIZADO
SALDO
EA
ATUALIZADO
PRESTAO
DCV
204
205
206
207
208
209
210
211
212
213
214
215
216
217
218
219
220
221
222
223
224
225
226
227
228
229
230
231
232
233
234
235
%(4)
MPI
DFI
SC
FCVS
TS
PMT
COM JUROS
LQUIDA
JUROS
-----------------
SOBRE O
----------------SALDO
SALDO
SALDO
ANTERIOR
ANTERIOR
PRESTAO
NOVO SALDO
NOVO SALDO
DEVEDOR
DESATUALIZADO
ATUALIZADO
LQUIDA
ATUALIZADO
ATUALIZADO
FINAL
10
DIFERENA
ENTRE O
SALDO
ANTERIOR
NOVO
ATUALIZADO
SALDO
EA
ATUALIZADO
PRESTAO
DCV
236
237
238
239
240
241
242
243
244
245
246
247
248
249
250
251
252
253
254
255
256
257
258
259
260
261
262
263
264
265
266
267
%(4)
MPI
DFI
SC
FCVS
TS
PMT
COM JUROS
LQUIDA
JUROS
-----------------
SOBRE O
----------------SALDO
SALDO
SALDO
ANTERIOR
ANTERIOR
PRESTAO
NOVO SALDO
NOVO SALDO
DEVEDOR
DESATUALIZADO
ATUALIZADO
LQUIDA
ATUALIZADO
ATUALIZADO
FINAL
10
DIFERENA
ENTRE O
SALDO
ANTERIOR
NOVO
ATUALIZADO
SALDO
EA
ATUALIZADO
PRESTAO
DCV
268
269
270
271
272
273
274
275
276
277
278
279
280
281
282
283
284
285
286
287
288
289
290
291
292
293
294
295
296
297
298
299
%(4)
MPI
DFI
SC
FCVS
TS
PMT
COM JUROS
LQUIDA
JUROS
-----------------
SOBRE O
----------------SALDO
SALDO
SALDO
ANTERIOR
ANTERIOR
PRESTAO
NOVO SALDO
NOVO SALDO
DEVEDOR
DESATUALIZADO
ATUALIZADO
LQUIDA
ATUALIZADO
ATUALIZADO
FINAL
10
DIFERENA
ENTRE O
SALDO
ANTERIOR
NOVO
ATUALIZADO
SALDO
EA
ATUALIZADO
PRESTAO
DCV
300
301
302
303
304
305
306
307
308
309
310
311
312
313
314
315
316
317
318
319
320
321
322
323
324
325
326
327
328
329
330
331
%(4)
MPI
DFI
SC
FCVS
TS
PMT
COM JUROS
LQUIDA
JUROS
-----------------
SOBRE O
----------------SALDO
SALDO
SALDO
ANTERIOR
ANTERIOR
PRESTAO
NOVO SALDO
NOVO SALDO
DEVEDOR
DESATUALIZADO
ATUALIZADO
LQUIDA
ATUALIZADO
ATUALIZADO
FINAL
10
DIFERENA
ENTRE O
SALDO
ANTERIOR
NOVO
ATUALIZADO
SALDO
EA
ATUALIZADO
PRESTAO
DCV
332
333
334
335
336
337
338
339
340
341
342
343
344
345
346
347
348
349
350
351
352
353
354
355
356
357
358
359
360
%(4)
MPI
DFI
SC
FCVS
TS
PMT
COM JUROS
LQUIDA
JUROS
-----------------
SOBRE O
----------------SALDO
SALDO
SALDO
ANTERIOR
ANTERIOR
PRESTAO
NOVO SALDO
NOVO SALDO
DEVEDOR
DESATUALIZADO
ATUALIZADO
LQUIDA
ATUALIZADO
ATUALIZADO
FINAL
+
+
+
+
+
694,226.18
-24,372.92
669,853.26
669,853.26
Valor Financiado
200,000.00
469,853.26
694,226.18

41,848.99
7,316.54
31,875.06

0.00
3,950.12
779,216.89
779,216.89
-24,372.92
Total a Prazo
754,843.97
Total a Prazo
754,843.97
Valor Financiado
200,000.00
Acrscimo Total
554,843.97

=>
3. INTERPRETAO :
COLOCA-SE OS JUROS DO MS NO SALDO DEVEDOR E DEPOIS RETIRA-SE O VALOR DA PRESTAO
CORRIGIDA. SOMENTE AO FINAL REALIZADA A CORREO DO SALDO DEVEDOR.
Caracterstica:
Legenda:
1 - Juros
4 - Saldo Devedor
ATENO :
=>

CONFUSO AO USURIO .
DEVOLUO
TODAS OS VALORES DAS

ESTE VALOR
DEVE
ESTAR SITUADO NO MS

FINALMENTE,
Dados iniciais.

1.000000%
200,000.00
180
11
1994

valor Financiado

5
10
4
DIFERENA
ENTRE O
SALDO
ANTERIOR
JUROS
DCV
%(4)
MPI
DFI
SC
FCVS
TS
PMT
DESATUALIZADO
NOVO
COM JUROS E A
SALDO
PRESTAO
ATUALIZADO
SOBRE O
SALDO
LQUIDA
-----------------
SALDO
SALDO
ANTERIOR
-----------------
SALDO
ANTERIOR
ANTERIOR
DESATUALIZADO
PRESTAO
NOVO SALDO
DEVEDOR
DESATUALIZADO
DESATUALIZADO
COM JUROS
LQUIDA
DESATUALIZADO
FINAL
AMORTIZAO
1 11 1994
2.5551
127.00
22.20
205.11
0.00
12.00
3,556.91
200,000.00
2,000.00
202,000.00
3,190.60
1,190.60
198,809.40
203,889.18
2 12
2.9210
130.71
22.85
209.93
0.00
12.35
3,647.91
203,889.18
2,038.89
205,928.07
3,272.07
1,233.18
202,656.00
208,575.58
1 1995
2.8731
134.47
23.51
214.75
0.00
12.70
3,739.45
208,575.58
2,085.76
210,661.34
3,354.02
1,268.26
207,307.32
213,263.47
2.1013
137.30
24.00
218.03
0.00
12.97
3,804.48
213,263.47
2,132.63
215,396.10
3,412.18
1,279.55
211,983.92
216,438.34
1.8531
139.84
24.44
220.82
0.00
13.21
3,861.18
216,438.34
2,164.38
218,602.72
3,462.87
1,298.49
215,139.85
219,126.61
2.2998
143.06
25.00
224.62
0.00
13.51
3,935.85
219,126.61
2,191.27
221,317.88
3,529.66
1,338.39
217,788.22
222,796.91
3.4667
148.02
25.87
231.07
0.00
13.98
4,057.68
222,796.91
2,227.97
225,024.88
3,638.74
1,410.77
221,386.14
229,060.93
3.2471
152.83
26.71
237.21
0.00
14.43
4,174.37
229,060.93
2,290.61
231,351.54
3,743.19
1,452.58
227,608.35
234,999.02
2.8863
157.24
27.48
242.64
0.00
14.85
4,279.33
234,999.02
2,349.99
237,349.01
3,837.12
1,487.13
233,511.89
240,251.74
10
2.9905
161.94
28.30
248.44
0.00
15.29
4,391.31
240,251.74
2,402.52
242,654.26
3,937.34
1,534.82
238,716.92
245,855.75
11
2.6045
166.16
29.04
253.43
0.00
15.69
4,489.30
245,855.75
2,458.56
248,314.31
4,024.98
1,566.42
244,289.33
250,651.85
12 10
1.9393
169.38
29.60
256.82
0.00
15.99
4,559.64
250,651.85
2,506.52
253,158.37
4,087.85
1,581.33
249,070.52
253,900.74
13 11
1.6540
172.18
30.09
259.52
0.00
16.25
4,618.05
253,900.74
2,539.01
256,439.75
4,140.01
1,601.00
252,299.74
256,472.78
14 12
1.4387
174.66
30.52
261.69
0.00
16.48
4,667.26
256,472.78
2,564.73
259,037.51
4,183.91
1,619.18
254,853.60
258,520.18
15
1 1996
1.3400
177.00
30.93
263.61
0.00
16.70
4,712.32
258,520.18
2,585.20
261,105.38
4,224.08
1,638.88
256,881.30
260,323.51
16
1.2526
179.22
31.32
265.30
0.00
16.91
4,753.66
260,323.51
2,603.24
262,926.75
4,260.91
1,657.67
258,665.84
261,905.89
17
0.9625
180.94
31.62
266.23
0.00
17.07
4,781.55
261,905.89
2,619.06
264,524.95
4,285.69
1,666.63
260,239.26
262,744.06
18
0.8139
182.41
31.88
266.76
0.00
17.21
4,802.47
262,744.06
2,627.44
265,371.50
4,304.21
1,676.77
261,067.29
263,192.12
10
4
DIFERENA
ENTRE O
SALDO
ANTERIOR
JUROS
DCV
%(4)
MPI
DFI
SC
FCVS
TS
PMT
DESATUALIZADO
NOVO
COM JUROS E A
SALDO
PRESTAO
ATUALIZADO
SOBRE O
SALDO
LQUIDA
-----------------
SALDO
SALDO
ANTERIOR
-----------------
SALDO
ANTERIOR
ANTERIOR
DESATUALIZADO
PRESTAO
NOVO SALDO
DEVEDOR
DESATUALIZADO
DESATUALIZADO
COM JUROS
LQUIDA
DESATUALIZADO
FINAL
AMORTIZAO
19
0.6597
183.61
32.09
266.88
0.00
17.32
4,816.03
263,192.12
2,631.92
265,824.04
4,316.13
1,684.21
261,507.91
263,233.08
20
0.5888
184.69
32.28
266.79
0.00
17.42
4,826.16
263,233.08
2,632.33
265,865.41
4,324.98
1,692.65
261,540.43
263,080.38
21
0.6099
185.82
32.48
266.75
0.00
17.53
4,837.26
263,080.38
2,630.80
265,711.18
4,334.68
1,703.88
261,376.50
262,970.64
22
0.5851
186.91
32.67
266.63
0.00
17.63
4,847.12
262,970.64
2,629.71
265,600.35
4,343.28
1,713.57
261,257.07
262,785.69
23
0.6275
188.08
32.88
266.62
0.00
17.74
4,858.98
262,785.69
2,627.86
265,413.55
4,353.66
1,725.80
261,059.89
262,698.04
24 10
0.6620
189.33
33.10
266.69
0.00
17.86
4,872.46
262,698.04
2,626.98
265,325.02
4,365.48
1,738.50
260,959.54
262,687.09
25 11
0.7419
190.73
33.35
266.95
0.00
17.99
4,889.78
262,687.09
2,626.87
265,313.96
4,380.76
1,753.89
260,933.20
262,869.06
26 12
0.8146
192.28
33.62
267.40
0.00
18.14
4,910.63
262,869.06
2,628.69
265,497.75
4,399.19
1,770.50
261,098.56
263,225.47
27
1 1997
0.8717
193.96
33.91
267.99
0.00
18.30
4,934.30
263,225.47
2,632.25
265,857.72
4,420.14
1,787.89
261,437.58
263,716.53
28
0.7440
195.40
34.16
268.23
0.00
18.44
4,951.73
263,716.53
2,637.17
266,353.70
4,435.50
1,798.33
261,918.20
263,866.87
29
0.6616
196.69
34.39
268.24
0.00
18.56
4,965.08
263,866.87
2,638.67
266,505.54
4,447.20
1,808.53
262,058.34
263,792.12
30
0.6316
197.93
34.61
268.16
0.00
18.68
4,976.91
263,792.12
2,637.92
266,430.04
4,457.53
1,819.61
261,972.51
263,627.13
31
0.6211
199.16
34.82
268.04
0.00
18.80
4,988.16
263,627.13
2,636.27
266,263.40
4,467.34
1,831.07
261,796.06
263,422.08
32
0.6354
200.43
35.04
267.95
0.00
18.92
5,000.09
263,422.08
2,634.22
266,056.30
4,477.75
1,843.53
261,578.55
263,240.62
33
0.6535
201.74
35.27
267.89
0.00
19.04
5,012.84
263,240.62
2,632.41
265,873.03
4,488.90
1,856.49
261,384.13
263,092.28
34
0.6580
203.07
35.50
267.83
0.00
19.17
5,025.79
263,092.28
2,630.92
265,723.20
4,500.22
1,869.30
261,222.98
262,941.83
35
0.6270
204.34
35.72
267.67
0.00
19.29
5,037.12
262,941.83
2,629.42
265,571.25
4,510.10
1,880.68
261,061.15
262,698.00
36 10
0.6474
205.66
35.95
267.56
0.00
19.41
5,049.43
262,698.00
2,626.98
265,324.98
4,520.85
1,893.87
260,804.13
262,492.58
37 11
0.6553
207.01
36.19
267.46
0.00
19.54
5,062.10
262,492.58
2,624.93
265,117.51
4,531.90
1,906.97
260,585.61
262,293.23
38 12
1.5334
210.18
36.74
269.67
0.00
19.84
5,118.97
262,293.23
2,622.93
264,916.16
4,582.54
1,959.61
260,333.62
264,325.58
39
1 1998
1.3085
212.93
37.22
271.29
0.00
20.10
5,164.94
264,325.58
2,643.26
266,968.84
4,623.40
1,980.14
262,345.44
265,778.23
40
1.1459
215.37
37.65
272.47
0.00
20.33
5,202.87
265,778.23
2,657.78
268,436.01
4,657.05
1,999.27
263,778.96
266,801.60
41
0.4461
216.33
37.82
271.74
0.00
20.42
5,204.73
266,801.60
2,668.02
269,469.62
4,658.42
1,990.40
264,811.20
265,992.52
42
0.8995
218.28
38.16
272.23
0.00
20.60
5,229.99
265,992.52
2,659.93
268,652.45
4,680.72
2,020.79
263,971.73
266,346.16
43
0.4720
219.31
38.34
271.54
0.00
20.70
5,233.03
266,346.16
2,663.46
269,009.62
4,683.14
2,019.68
264,326.48
265,574.10
44
0.4543
220.31
38.51
270.80
0.00
20.79
5,235.06
265,574.10
2,655.74
268,229.84
4,684.65
2,028.91
263,545.19
264,742.48
45
0.4913
221.39
38.70
270.15
0.00
20.89
5,238.94
264,742.48
2,647.42
267,389.90
4,687.81
2,040.39
262,702.09
263,992.75
46
0.5503
222.61
38.91
269.63
0.00
21.00
5,245.78
263,992.75
2,639.93
266,632.68
4,693.63
2,053.70
261,939.05
263,380.50
47
0.3749
223.44
39.06
268.64
0.00
21.08
5,243.40
263,380.50
2,633.81
266,014.31
4,691.18
2,057.37
261,323.13
262,302.83
48 10
0.4512
224.45
39.24
267.84
0.00
21.18
5,244.92
262,302.83
2,623.03
264,925.86
4,692.21
2,069.18
260,233.65
261,407.82
49 11
0.8892
226.45
39.59
268.19
0.00
21.37
5,269.22
261,407.82
2,614.08
264,021.90
4,713.62
2,099.54
259,308.28
261,614.05
50 12
0.6136
227.84
39.83
267.79
0.00
21.50
5,279.06
261,614.05
2,616.14
264,230.19
4,722.10
2,105.96
259,508.09
261,100.43
51
1 1999
0.7434
229.53
40.13
267.72
0.00
21.66
5,295.66
261,100.43
2,611.00
263,711.43
4,736.62
2,125.62
258,974.81
260,900.03
52
0.5163
230.72
40.34
267.03
0.00
21.77
5,300.21
260,900.03
2,609.00
263,509.03
4,740.35
2,131.35
258,768.68
260,104.70
53
0.8298
232.63
40.67
267.16
0.00
21.95
5,321.23
260,104.70
2,601.05
262,705.75
4,758.82
2,157.77
257,946.93
260,087.37
10
4
DIFERENA
ENTRE O
SALDO
ANTERIOR
JUROS
DCV
%(4)
MPI
DFI
SC
FCVS
TS
PMT
DESATUALIZADO
NOVO
COM JUROS E A
SALDO
PRESTAO
ATUALIZADO
SOBRE O
SALDO
LQUIDA
-----------------
SALDO
SALDO
ANTERIOR
-----------------
SALDO
ANTERIOR
ANTERIOR
DESATUALIZADO
PRESTAO
NOVO SALDO
DEVEDOR
DESATUALIZADO
DESATUALIZADO
COM JUROS
LQUIDA
DESATUALIZADO
FINAL
AMORTIZAO
54
1.1614
235.33
41.14
268.15
0.00
22.20
5,359.80
260,087.37
2,600.87
262,688.24
4,792.98
2,192.11
257,895.26
260,890.46
55
0.6092
236.76
41.39
267.66
0.00
22.34
5,369.08
260,890.46
2,608.90
263,499.36
4,800.93
2,192.03
258,698.43
260,274.42
56
0.5761
238.12
41.63
267.07
0.00
22.47
5,376.52
260,274.42
2,602.74
262,877.16
4,807.23
2,204.49
258,069.93
259,556.67
57
0.3108
238.86
41.76
265.76
0.00
22.54
5,369.66
259,556.67
2,595.57
262,152.24
4,800.74
2,205.17
257,351.50
258,151.35
58
0.2933
239.56
41.88
264.39
0.00
22.61
5,361.77
258,151.35
2,581.51
260,732.86
4,793.33
2,211.82
255,939.53
256,690.20
59
0.2945
240.27
42.00
263.01
0.00
22.68
5,353.85
256,690.20
2,566.90
259,257.10
4,785.89
2,218.99
254,471.21
255,220.63
60 10
0.2715
240.92
42.11
261.56
0.00
22.74
5,344.60
255,220.63
2,552.21
257,772.84
4,777.27
2,225.06
252,995.57
253,682.45
61 11
0.2265
241.47
42.21
259.99
0.00
22.79
5,332.87
253,682.45
2,536.82
256,219.27
4,766.41
2,229.59
251,452.86
252,022.40
62 12
0.1998
241.95
42.29
258.34
0.00
22.84
5,319.64
252,022.40
2,520.22
254,542.62
4,754.22
2,234.00
249,788.40
250,287.48
63
1 2000
0.2998
242.68
42.42
256.93
0.00
22.91
5,311.64
250,287.48
2,502.87
252,790.35
4,746.70
2,243.83
248,043.65
248,787.28
64
0.2149
243.20
42.51
255.30
0.00
22.96
5,299.06
248,787.28
2,487.87
251,275.15
4,735.09
2,247.22
246,540.06
247,069.87
65
0.2328
243.77
42.61
253.71
0.00
23.01
5,287.34
247,069.87
2,470.70
249,540.57
4,724.24
2,253.54
244,816.33
245,386.26
66
0.2242
244.32
42.71
252.09
0.00
23.06
5,275.09
245,386.26
2,453.86
247,840.12
4,712.91
2,259.05
243,127.21
243,672.30
67
0.1301
244.64
42.77
250.22
0.00
23.09
5,257.82
243,672.30
2,436.72
246,109.02
4,697.10
2,260.38
241,411.92
241,726.00
68
0.2492
245.25
42.88
248.64
0.00
23.15
5,246.72
241,726.00
2,417.26
244,143.26
4,686.80
2,269.54
239,456.46
240,053.19
69
0.2140
245.77
42.97
246.97
0.00
23.20
5,233.69
240,053.19
2,400.53
242,453.72
4,674.78
2,274.25
237,778.94
238,287.79
70
0.1547
246.15
43.04
245.14
0.00
23.24
5,217.48
238,287.79
2,382.88
240,670.67
4,659.91
2,277.03
236,010.76
236,375.87
71
0.2025
246.65
43.13
243.43
0.00
23.29
5,203.72
236,375.87
2,363.76
238,739.63
4,647.22
2,283.46
234,092.41
234,566.45
72 10
0.1038
246.91
43.17
241.46
0.00
23.31
5,184.74
234,566.45
2,345.66
236,912.11
4,629.89
2,284.23
232,282.22
232,523.33
73 11
0.1316
247.23
43.23
239.56
0.00
23.34
5,167.17
232,523.33
2,325.23
234,848.56
4,613.81
2,288.58
230,234.75
230,537.74
74 12
0.1197
247.53
43.28
237.63
0.00
23.37
5,148.93
230,537.74
2,305.38
232,843.12
4,597.12
2,291.74
228,246.00
228,519.21
75
1 2001
0.0991
247.78
43.32
235.64
0.00
23.39
5,129.58
228,519.21
2,285.19
230,804.40
4,579.45
2,294.26
226,224.95
226,449.14
76
0.1369
248.12
43.38
233.74
0.00
23.42
5,112.12
226,449.14
2,264.49
228,713.63
4,563.46
2,298.97
224,150.17
224,457.03
77
0.0368
248.21
43.40
231.60
0.00
23.43
5,089.52
224,457.03
2,244.57
226,701.60
4,542.88
2,298.31
222,158.72
222,240.47
78
0.1724
248.64
43.47
229.77
0.00
23.47
5,073.75
222,240.47
2,222.40
224,462.87
4,528.40
2,306.00
219,934.47
220,313.64
79
0.1546
249.02
43.54
227.89
0.00
23.51
5,057.00
220,313.64
2,203.14
222,516.78
4,513.04
2,309.90
218,003.74
218,340.77
80
0.1827
249.47
43.62
226.07
0.00
23.55
5,041.62
218,340.77
2,183.41
220,524.18
4,498.91
2,315.50
216,025.27
216,419.95
81
0.1458
249.83
43.68
224.15
0.00
23.58
5,024.29
216,419.95
2,164.20
218,584.15
4,483.05
2,318.85
214,101.10
214,413.26
82
0.2441
250.44
43.79
222.45
0.00
23.64
5,011.85
214,413.26
2,144.13
216,557.39
4,471.53
2,327.40
212,085.86
212,603.56
83
0.3436
251.30
43.94
220.96
0.00
23.72
5,004.27
212,603.56
2,126.04
214,729.60
4,464.35
2,338.31
210,265.25
210,987.72
84 10
0.1627
251.71
44.01
219.06
0.00
23.76
4,987.57
210,987.72
2,109.88
213,097.60
4,449.03
2,339.15
208,648.57
208,988.04
85 11
0.0000
251.71
44.01
216.81
0.00
23.76
4,962.74
208,988.04
2,089.88
211,077.92
4,426.45
2,336.57
206,651.47
206,651.47
86 12
0.0000
251.71
44.01
214.55
0.00
23.76
4,937.90
206,651.47
2,066.51
208,717.98
4,403.87
2,337.36
204,314.11
204,314.11
87
1 2002
0.0000
251.71
44.01
212.29
0.00
23.76
4,913.06
204,314.11
2,043.14
206,357.25
4,381.29
2,338.15
201,975.96
201,975.96
88
0.0000
251.71
44.01
210.03
0.00
23.76
4,888.19
201,975.96
2,019.76
203,995.72
4,358.68
2,338.92
199,637.04
199,637.04
10
4
DIFERENA
ENTRE O
SALDO
ANTERIOR
JUROS
DCV
%(4)
MPI
DFI
SC
FCVS
TS
PMT
DESATUALIZADO
NOVO
COM JUROS E A
SALDO
PRESTAO
ATUALIZADO
SOBRE O
SALDO
LQUIDA
-----------------
SALDO
SALDO
ANTERIOR
-----------------
SALDO
ANTERIOR
ANTERIOR
DESATUALIZADO
PRESTAO
NOVO SALDO
DEVEDOR
DESATUALIZADO
DESATUALIZADO
COM JUROS
LQUIDA
DESATUALIZADO
FINAL
AMORTIZAO
89
0.0000
251.71
44.01
207.77
0.00
23.76
4,863.35
199,637.04
1,996.37
201,633.41
4,336.10
2,339.73
197,297.31
197,297.31
90
0.0000
251.71
44.01
205.51
0.00
23.76
4,838.51
197,297.31
1,972.97
199,270.28
4,313.52
2,340.55
194,956.76
194,956.76
91
0.0000
251.71
44.01
203.26
0.00
23.76
4,813.68
194,956.76
1,949.57
196,906.33
4,290.94
2,341.37
192,615.39
192,615.39
92
0.0000
251.71
44.01
201.00
0.00
23.76
4,788.84
192,615.39
1,926.15
194,541.54
4,268.36
2,342.21
190,273.18
190,273.18
93
0.0000
251.71
44.01
198.74
0.00
23.76
4,764.00
190,273.18
1,902.73
192,175.91
4,245.78
2,343.05
187,930.13
187,930.13
94
0.0000
251.71
44.01
196.48
0.00
23.76
4,739.15
187,930.13
1,879.30
189,809.43
4,223.19
2,343.89
185,586.24
185,586.24
95
0.0000
251.71
44.01
194.22
0.00
23.76
4,714.31
185,586.24
1,855.86
187,442.10
4,200.61
2,344.75
183,241.49
183,241.49
96 10
0.0000
251.71
44.01
191.96
0.00
23.76
4,689.47
183,241.49
1,832.41
185,073.90
4,178.03
2,345.62
180,895.87
180,895.87
97 11
0.0000
251.71
44.01
189.71
0.00
23.76
4,664.62
180,895.87
1,808.96
182,704.83
4,155.43
2,346.47
178,549.40
178,549.40
98 12
0.0000
251.71
44.01
187.45
0.00
23.76
4,639.78
178,549.40
1,785.49
180,334.89
4,132.85
2,347.36
176,202.04
176,202.04
99
1 2003
0.0000
251.71
44.01
185.19
0.00
23.76
4,614.94
176,202.04
1,762.02
177,964.06
4,110.27
2,348.25
173,853.79
173,853.79
100
0.0000
251.71
44.01
182.93
0.00
23.76
4,590.09
173,853.79
1,738.54
175,592.33
4,087.68
2,349.14
171,504.65
171,504.65
101
0.0000
251.71
44.01
180.67
0.00
23.76
4,565.25
171,504.65
1,715.05
173,219.70
4,065.10
2,350.05
169,154.60
169,154.60
102
0.0000
251.71
44.01
178.41
0.00
23.76
4,540.41
169,154.60
1,691.55
170,846.15
4,042.52
2,350.97
166,803.63
166,803.63
103
0.0000
251.71
44.01
176.15
0.00
23.76
4,515.57
166,803.63
1,668.04
168,471.67
4,019.94
2,351.90
164,451.73
164,451.73
104
0.0000
251.71
44.01
173.90
0.00
23.76
4,490.74
164,451.73
1,644.52
166,096.25
3,997.36
2,352.84
162,098.89
162,098.89
105
0.0000
251.71
44.01
171.64
0.00
23.76
4,465.90
162,098.89
1,620.99
163,719.88
3,974.78
2,353.79
159,745.10
159,745.10
106
0.0000
251.71
44.01
169.38
0.00
23.76
4,441.03
159,745.10
1,597.45
161,342.55
3,952.17
2,354.72
157,390.38
157,390.38
107
0.0000
251.71
44.01
167.12
0.00
23.76
4,416.19
157,390.38
1,573.90
158,964.28
3,929.59
2,355.69
155,034.69
155,034.69
108 10
0.0000
251.71
44.01
164.86
0.00
23.76
4,391.35
155,034.69
1,550.35
156,585.04
3,907.01
2,356.66
152,678.03
152,678.03
109 11
0.0000
251.71
44.01
162.60
0.00
23.76
4,366.51
152,678.03
1,526.78
154,204.81
3,884.43
2,357.65
150,320.38
150,320.38
110 12
0.0000
251.71
44.01
160.35
0.00
23.76
4,341.68
150,320.38
1,503.20
151,823.58
3,861.85
2,358.65
147,961.73
147,961.73
111
1 2004
0.0000
251.71
44.01
158.09
0.00
23.76
4,316.84
147,961.73
1,479.62
149,441.35
3,839.27
2,359.65
145,602.08
145,602.08
112
0.0000
251.71
44.01
155.83
0.00
23.76
4,291.99
145,602.08
1,456.02
147,058.10
3,816.68
2,360.66
143,241.42
143,241.42
113
0.0000
251.71
44.01
153.57
0.00
23.76
4,267.15
143,241.42
1,432.41
144,673.83
3,794.10
2,361.69
140,879.73
140,879.73
114
0.0000
251.71
44.01
151.31
0.00
23.76
4,242.31
140,879.73
1,408.80
142,288.53
3,771.52
2,362.72
138,517.01
138,517.01
115
0.0000
251.71
44.01
149.05
0.00
23.76
4,217.45
138,517.01
1,385.17
139,902.18
3,748.92
2,363.75
136,153.26
136,153.26
116
0.0000
251.71
44.01
146.80
0.00
23.76
4,192.62
136,153.26
1,361.53
137,514.79
3,726.34
2,364.81
133,788.45
133,788.45
117
0.0000
251.71
44.01
144.54
0.00
23.76
4,167.78
133,788.45
1,337.88
135,126.33
3,703.76
2,365.88
131,422.57
131,422.57
118
0.0000
251.71
44.01
142.28
0.00
23.76
4,142.93
131,422.57
1,314.23
132,736.80
3,681.17
2,366.94
129,055.63
129,055.63
119
0.0000
251.71
44.01
140.02
0.00
23.76
4,118.09
129,055.63
1,290.56
130,346.19
3,658.59
2,368.03
126,687.60
126,687.60
120 10
0.0000
251.71
44.01
137.76
0.00
23.76
4,093.25
126,687.60
1,266.88
127,954.48
3,636.01
2,369.13
124,318.47
124,318.47
121 11
0.0000
251.71
44.01
135.50
0.00
23.76
4,068.41
124,318.47
1,243.18
125,561.65
3,613.43
2,370.25
121,948.22
121,948.22
122 12
0.0000
251.71
44.01
133.25
0.00
23.76
4,043.58
121,948.22
1,219.48
123,167.70
3,590.85
2,371.37
119,576.85
119,576.85
123
0.0000
251.71
44.01
130.99
0.00
23.76
4,018.74
119,576.85
1,195.77
120,772.62
3,568.27
2,372.50
117,204.35
117,204.35
1 2005
10
4
DIFERENA
ENTRE O
SALDO
ANTERIOR
JUROS
DCV
%(4)
MPI
DFI
SC
FCVS
TS
PMT
DESATUALIZADO
NOVO
COM JUROS E A
SALDO
PRESTAO
ATUALIZADO
SOBRE O
SALDO
LQUIDA
-----------------
SALDO
SALDO
ANTERIOR
-----------------
SALDO
ANTERIOR
ANTERIOR
DESATUALIZADO
PRESTAO
NOVO SALDO
DEVEDOR
DESATUALIZADO
DESATUALIZADO
COM JUROS
LQUIDA
DESATUALIZADO
FINAL
AMORTIZAO
124
0.0000
251.71
44.01
128.73
0.00
23.76
3,993.87
117,204.35
1,172.04
118,376.39
3,545.66
2,373.62
114,830.73
114,830.73
125
0.0000
251.71
44.01
126.47
0.00
23.76
3,969.03
114,830.73
1,148.31
115,979.04
3,523.08
2,374.77
112,455.96
112,455.96
126
0.0000
251.71
44.01
124.21
0.00
23.76
3,944.19
112,455.96
1,124.56
113,580.52
3,500.50
2,375.94
110,080.02
110,080.02
127
0.0000
251.71
44.01
121.95
0.00
23.76
3,919.35
110,080.02
1,100.80
111,180.82
3,477.92
2,377.12
107,702.90
107,702.90
128
0.0000
251.71
44.01
119.70
0.00
23.76
3,894.52
107,702.90
1,077.03
108,779.93
3,455.34
2,378.31
105,324.59
105,324.59
129
0.0000
251.71
44.01
117.44
0.00
23.76
3,869.68
105,324.59
1,053.25
106,377.84
3,432.76
2,379.51
102,945.08
102,945.08
130
0.0000
251.71
44.01
115.18
0.00
23.76
3,844.83
102,945.08
1,029.45
103,974.53
3,410.17
2,380.72
100,564.36
100,564.36
131
0.0000
251.71
44.01
112.92
0.00
23.76
3,819.99
100,564.36
1,005.64
101,570.00
3,387.59
2,381.95
98,182.41
98,182.41
132 10
0.0000
251.71
44.01
110.66
0.00
23.76
3,795.15
98,182.41
981.82
99,164.23
3,365.01
2,383.19
95,799.22
95,799.22
133 11
0.0000
251.71
44.01
108.40
0.00
23.76
3,770.29
95,799.22
957.99
96,757.21
3,342.41
2,384.42
93,414.80
93,414.80
134 12
0.0000
251.71
44.01
106.14
0.00
23.76
3,745.45
93,414.80
934.15
94,348.95
3,319.83
2,385.68
91,029.12
91,029.12
135
1 2006
0.0000
251.71
44.01
103.89
0.00
23.76
3,720.62
91,029.12
910.29
91,939.41
3,297.25
2,386.96
88,642.16
88,642.16
136
0.0000
251.71
44.01
101.63
0.00
23.76
3,695.77
88,642.16
886.42
89,528.58
3,274.66
2,388.24
86,253.92
86,253.92
137
0.0000
251.71
44.01
99.37
0.00
23.76
3,670.93
86,253.92
862.54
87,116.46
3,252.08
2,389.54
83,864.38
83,864.38
138
0.0000
251.71
44.01
97.11
0.00
23.76
3,646.09
83,864.38
838.64
84,703.02
3,229.50
2,390.86
81,473.52
81,473.52
139
0.0000
251.71
44.01
94.85
0.00
23.76
3,621.25
81,473.52
814.74
82,288.26
3,206.92
2,392.18
79,081.34
79,081.34
140
0.0000
251.71
44.01
92.59
0.00
23.76
3,596.41
79,081.34
790.81
79,872.15
3,184.34
2,393.53
76,687.81
76,687.81
141
0.0000
251.71
44.01
90.34
0.00
23.76
3,571.58
76,687.81
766.88
77,454.69
3,161.76
2,394.88
74,292.93
74,292.93
142
0.0000
251.71
44.01
88.08
0.00
23.76
3,546.71
74,292.93
742.93
75,035.86
3,139.15
2,396.22
71,896.71
71,896.71
143
0.0000
251.71
44.01
85.82
0.00
23.76
3,521.87
71,896.71
718.97
72,615.68
3,116.57
2,397.60
69,499.11
69,499.11
144 10
0.0000
251.71
44.01
83.56
0.00
23.76
3,497.03
69,499.11
694.99
70,194.10
3,093.99
2,399.00
67,100.11
67,100.11
145 11
0.0000
251.71
44.01
81.30
0.00
23.76
3,472.19
67,100.11
671.00
67,771.11
3,071.41
2,400.41
64,699.70
64,699.70
146 12
0.0000
251.71
44.01
79.04
0.00
23.76
3,447.35
64,699.70
647.00
65,346.70
3,048.83
2,401.83
62,297.87
62,297.87
147
1 2007
0.0000
251.71
44.01
76.79
0.00
23.76
3,422.52
62,297.87
622.98
62,920.85
3,026.25
2,403.27
59,894.60
59,894.60
148
0.0000
251.71
44.01
74.53
0.00
23.76
3,397.67
59,894.60
598.95
60,493.55
3,003.66
2,404.71
57,489.89
57,489.89
149
0.0000
251.71
44.01
72.27
0.00
23.76
3,372.83
57,489.89
574.90
58,064.79
2,981.08
2,406.18
55,083.71
55,083.71
150
0.0000
251.71
44.01
70.01
0.00
23.76
3,347.99
55,083.71
550.84
55,634.55
2,958.50
2,407.66
52,676.05
52,676.05
151
0.0000
251.71
44.01
67.75
0.00
23.76
3,323.15
52,676.05
526.76
53,202.81
2,935.92
2,409.16
50,266.89
50,266.89
152
0.0000
251.71
44.01
65.49
0.00
23.76
3,298.29
50,266.89
502.67
50,769.56
2,913.32
2,410.65
47,856.24
47,856.24
153
0.0000
251.71
44.01
63.24
0.00
23.76
3,273.46
47,856.24
478.56
48,334.80
2,890.74
2,412.18
45,444.06
45,444.06
154
0.0000
251.71
44.01
60.98
0.00
23.76
3,248.61
45,444.06
454.44
45,898.50
2,868.15
2,413.71
43,030.35
43,030.35
155
0.0000
251.71
44.01
58.72
0.00
23.76
3,223.77
43,030.35
430.30
43,460.65
2,845.57
2,415.27
40,615.08
40,615.08
156 10
0.0000
251.71
44.01
56.46
0.00
23.76
3,198.93
40,615.08
406.15
41,021.23
2,822.99
2,416.84
38,198.24
38,198.24
157 11
0.0000
251.71
44.01
54.20
0.00
23.76
3,174.09
38,198.24
381.98
38,580.22
2,800.41
2,418.43
35,779.81
35,779.81
158 12
0.0000
251.71
44.01
51.94
0.00
23.76
3,149.25
35,779.81
357.80
36,137.61
2,777.83
2,420.03
33,359.78
33,359.78
10
4
DIFERENA
ENTRE O
SALDO
ANTERIOR
JUROS
DCV
%(4)
MPI
DFI
SC
FCVS
TS
PMT
DESATUALIZADO
NOVO
COM JUROS E A
SALDO
PRESTAO
ATUALIZADO
SOBRE O
SALDO
LQUIDA
-----------------
SALDO
SALDO
ANTERIOR
-----------------
SALDO
ANTERIOR
ANTERIOR
DESATUALIZADO
PRESTAO
NOVO SALDO
DEVEDOR
DESATUALIZADO
DESATUALIZADO
COM JUROS
LQUIDA
DESATUALIZADO
FINAL
AMORTIZAO
159
1 2008
0.0000
251.71
44.01
49.69
0.00
23.76
3,124.42
33,359.78
333.60
33,693.38
2,755.25
2,421.65
30,938.13
30,938.13
160
0.0000
251.71
44.01
47.43
0.00
23.76
3,099.57
30,938.13
309.38
31,247.51
2,732.66
2,423.28
28,514.85
28,514.85
161
0.0000
251.71
44.01
45.17
0.00
23.76
3,074.71
28,514.85
285.15
28,800.00
2,710.06
2,424.91
26,089.94
26,089.94
162
0.0000
251.71
44.01
42.91
0.00
23.76
3,049.87
26,089.94
260.90
26,350.84
2,687.48
2,426.58
23,663.36
23,663.36
163
0.0000
251.71
44.01
40.65
0.00
23.76
3,025.03
23,663.36
236.63
23,899.99
2,664.90
2,428.27
21,235.09
21,235.09
164
0.0000
251.71
44.01
38.39
0.00
23.76
3,000.19
21,235.09
212.35
21,447.44
2,642.32
2,429.97
18,805.12
18,805.12
165
0.0000
251.71
44.01
36.13
0.00
23.76
2,975.35
18,805.12
188.05
18,993.17
2,619.74
2,431.69
16,373.43
16,373.43
166
0.0000
251.71
44.01
33.88
0.00
23.76
2,950.51
16,373.43
163.73
16,537.16
2,597.15
2,433.42
13,940.01
13,940.01
167
0.0000
251.71
44.01
31.62
0.00
23.76
2,925.67
13,940.01
139.40
14,079.41
2,574.57
2,435.17
11,504.84
11,504.84
168 10
0.0000
251.71
44.01
29.36
0.00
23.76
2,900.83
11,504.84
115.05
11,619.89
2,551.99
2,436.94
9,067.90
9,067.90
169 11
0.0000
251.71
44.01
27.10
0.00
23.76
2,875.99
9,067.90
90.68
9,158.58
2,529.41
2,438.73
6,629.17
6,629.17
170 12
0.0000
251.71
44.01
24.84
0.00
23.76
2,851.13
6,629.17
66.29
6,695.46
2,506.81
2,440.52
4,188.65
4,188.65
171
1 2009
0.0000
251.71
44.01
22.58
0.00
23.76
2,826.28
4,188.65
41.89
4,230.54
2,484.22
2,442.33
1,746.32
1,746.32
172
0.0000
251.71
44.01
20.33
0.00
23.76
2,801.45
1,746.32
17.46
1,763.78
2,461.64
2,444.18
-697.86
-697.86
173
0.0000
251.71
44.01
18.07
0.00
23.76
2,776.61
-697.86
-6.98
-704.84
2,439.06
2,446.04
-3,143.90
-3,143.90
174
0.0000
251.71
44.01
15.81
0.00
23.76
2,751.77
-3,143.90
-31.44
-3,175.34
2,416.48
2,447.92
-5,591.82
-5,591.82
175
0.0000
251.71
44.01
13.55
0.00
23.76
2,726.93
-5,591.82
-55.92
-5,647.74
2,393.90
2,449.82
-8,041.64
-8,041.64
176
0.0000
251.71
44.01
11.29
0.00
23.76
2,702.09
-8,041.64
-80.42
-8,122.06
2,371.32
2,451.74
-10,493.38
-10,493.38
177
0.0000
251.71
44.01
9.03
0.00
23.76
2,677.25
-10,493.38
-104.93
-10,598.31
2,348.74
2,453.67
-12,947.05
-12,947.05
178
0.0000
251.71
44.01
6.78
0.00
23.76
2,652.41
-12,947.05
-129.47
-13,076.52
2,326.15
2,455.62
-15,402.67
-15,402.67
179
0.0000
251.71
44.01
4.52
0.00
23.76
2,627.55
-15,402.67
-154.03
-15,556.70
2,303.55
2,457.58
-17,860.25
-17,860.25
180 10
0.0000
251.71
44.01
2.26
0.00
23.76
2,602.71
-17,860.25
-178.60
-18,038.85
2,280.97
2,459.57
-20,319.82
-20,319.82
181
182
183
184
185
186
187
188
189
190
191
192
193
10
4
DIFERENA
ENTRE O
SALDO
ANTERIOR
JUROS
DCV
194
195
196
197
198
199
200
201
202
203
204
205
206
207
208
209
210
211
212
213
214
215
216
217
218
219
220
221
222
223
224
225
226
227
228
%(4)
MPI
DFI
SC
FCVS
TS
PMT
DESATUALIZADO
NOVO
COM JUROS E A
SALDO
PRESTAO
ATUALIZADO
SOBRE O
SALDO
LQUIDA
-----------------
SALDO
SALDO
ANTERIOR
-----------------
SALDO
ANTERIOR
ANTERIOR
DESATUALIZADO
PRESTAO
NOVO SALDO
DEVEDOR
DESATUALIZADO
DESATUALIZADO
COM JUROS
LQUIDA
DESATUALIZADO
FINAL
AMORTIZAO
10
4
DIFERENA
ENTRE O
SALDO
ANTERIOR
JUROS
DCV
229
230
231
232
233
234
235
236
237
238
239
240
241
242
243
244
245
246
247
248
249
250
251
252
253
254
255
256
257
258
259
260
261
262
263
%(4)
MPI
DFI
SC
FCVS
TS
PMT
DESATUALIZADO
NOVO
COM JUROS E A
SALDO
PRESTAO
ATUALIZADO
SOBRE O
SALDO
LQUIDA
-----------------
SALDO
SALDO
ANTERIOR
-----------------
SALDO
ANTERIOR
ANTERIOR
DESATUALIZADO
PRESTAO
NOVO SALDO
DEVEDOR
DESATUALIZADO
DESATUALIZADO
COM JUROS
LQUIDA
DESATUALIZADO
FINAL
AMORTIZAO
10
4
DIFERENA
ENTRE O
SALDO
ANTERIOR
JUROS
DCV
264
265
266
267
268
269
270
271
272
273
274
275
276
277
278
279
280
281
282
283
284
285
286
287
288
289
290
291
292
293
294
295
296
297
298
%(4)
MPI
DFI
SC
FCVS
TS
PMT
DESATUALIZADO
NOVO
COM JUROS E A
SALDO
PRESTAO
ATUALIZADO
SOBRE O
SALDO
LQUIDA
-----------------
SALDO
SALDO
ANTERIOR
-----------------
SALDO
ANTERIOR
ANTERIOR
DESATUALIZADO
PRESTAO
NOVO SALDO
DEVEDOR
DESATUALIZADO
DESATUALIZADO
COM JUROS
LQUIDA
DESATUALIZADO
FINAL
AMORTIZAO
10
4
DIFERENA
ENTRE O
SALDO
ANTERIOR
JUROS
DCV
299
300
301
302
303
304
305
306
307
308
309
310
311
312
313
314
315
316
317
318
319
320
321
322
323
324
325
326
327
328
329
330
331
332
333
%(4)
MPI
DFI
SC
FCVS
TS
PMT
DESATUALIZADO
NOVO
COM JUROS E A
SALDO
PRESTAO
ATUALIZADO
SOBRE O
SALDO
LQUIDA
-----------------
SALDO
SALDO
ANTERIOR
-----------------
SALDO
ANTERIOR
ANTERIOR
DESATUALIZADO
PRESTAO
NOVO SALDO
DEVEDOR
DESATUALIZADO
DESATUALIZADO
COM JUROS
LQUIDA
DESATUALIZADO
FINAL
AMORTIZAO
10
4
DIFERENA
ENTRE O
SALDO
ANTERIOR
JUROS
DCV
334
335
336
337
338
339
340
341
342
343
344
345
346
347
348
349
350
351
352
353
354
355
356
357
358
359
360
%(4)
MPI
DFI
SC
FCVS
TS
PMT
DESATUALIZADO
NOVO
COM JUROS E A
SALDO
PRESTAO
ATUALIZADO
SOBRE O
SALDO
LQUIDA
-----------------
SALDO
SALDO
ANTERIOR
-----------------
SALDO
ANTERIOR
ANTERIOR
DESATUALIZADO
PRESTAO
NOVO SALDO
DEVEDOR
DESATUALIZADO
DESATUALIZADO
COM JUROS
LQUIDA
DESATUALIZADO
FINAL
AMORTIZAO
+
+
+
+
+
694,226.18
-20,319.82
673,906.36
673,906.36
Valor Financiado
200,000.00
473,906.36
694,226.18

41,848.99
7,316.54
31,875.06

0.00
3,950.12
779,216.89
779,216.89
-20,319.82
Total a Prazo
758,897.07
Total a Prazo
758,897.07
Valor Financiado
200,000.00
Acrscimo Total
558,897.07
Quadro de Evoluo do Saldo Devedor baseado em regime de JUROS SIMPLES
Caracterstica:
Principal Devido para o clculo do Saldo Devedor : Corrigido pelo
campo % ( 4A ) .
Legenda especial para Juros Simples :
1A - Juros Mensais da Prestao
1B - Juros Mensais para a Quitao do Financiamento
2 - Prestao Lquida ( para amortizao )
3 - Amortizao ( do Principal No Corrigido "Juros Simples" )
4A - Principal Devido No Corrigido Antes de Efetuado o Pagamento
4B - Saldo Devedor Aps Efetuado o Pagamento
ATENO :
=>

CONFUSO AO USURIO .
DEVOLUO
TODAS OS VALORES DAS

ESTE VALOR
DEVE
ESTAR SITUADO NO MS

FINALMENTE,
Dados iniciais.

1.000000%
200,000.00
180
11
1994

valor Financiado

5
10
1A
4A
1B
4B
VALOR
PRESENTE
NO
CORRIGIDO
DA PREST.
VALOR
%JUROS
DCV % ( 4A )
MPI
DFI
SC
FCVS
TS
PMT
% ( 4A )
DCV
ACUMULADA
ACUMULADO
JUROS DO
--------------
PRINCIPAL
PRINCIPAL
PRINCIPAL
JUROS DO
AMORTIZ.
DEVIDO NO
DEVIDO
DEVIDO
SALDO
VALOR
MENSAL DO
CORRIGIDO
CORRIGIDO
CORRIGIDO
DEVEDOR
PRESENTE
PRESENTE
PRINCIPAL
ANTES DE
ANTES DE
ANTES DE
APS
SIMPLES
PREST.
CORRIGIDO
CORRIGIDO
NO
EFETUADO O
EFETUADO O
EFETUADO O
EFETUADO O
PROPORC.
LQUIDA
DA PREST.
DA PREST.
CORRIGIDO
PAGAMENTO
PAGAMENTO
PAGAMENTO
PAGAMENTO
1 11 1994
2.5551
127.00
22.20
205.11
0.00
12.00
3,556.91
2.555100
1.000000
3,190.60
3,159.01
31.59
3,080.31
200,000.00
205,110.20
2,051.10
203,970.70
2 12
2.9210
130.71
22.85
209.93
0.00
12.35
3,647.91
5.550734
2.000000
3,272.07
3,207.91
64.16
3,039.21
196,919.69
207,850.18
4,157.00
208,735.11
1 1995
2.8731
134.47
23.51
214.75
0.00
12.70
3,739.45
8.583313
3.000000
3,354.02
3,256.33
97.69
2,998.92
193,880.48
210,521.85
6,315.66
213,483.49
2.1013
137.30
24.00
218.03
0.00
12.97
3,804.48
10.864974
4.000000
3,412.18
3,280.94
131.24
2,959.40
190,881.56
211,620.79
8,464.83
216,673.44
1.8531
139.84
24.44
220.82
0.00
13.21
3,861.18
12.919413
5.000000
3,462.87
3,297.97
164.90
2,920.64
187,922.16
212,200.60
10,610.03
219,347.76
2.2998
143.06
25.00
224.62
0.00
13.51
3,935.85
15.516333
6.000000
3,529.66
3,329.87
199.79
2,882.60
185,001.52
213,706.97
12,822.42
222,999.73
3.4667
148.02
25.87
231.07
0.00
13.98
4,057.68
19.520938
7.000000
3,638.74
3,400.69
238.05
2,845.27
182,118.92
217,670.24
15,236.92
229,268.42
3.2471
152.83
26.71
237.21
0.00
14.43
4,174.37
23.401902
8.000000
3,743.19
3,465.92
277.27
2,808.64
179,273.65
221,227.09
17,698.17
235,182.07
2.8863
157.24
27.48
242.64
0.00
14.85
4,279.33
26.963651
9.000000
3,837.12
3,520.29
316.83
2,772.68
176,465.01
224,046.42
20,164.18
240,373.48
10
2.9905
161.94
28.30
248.44
0.00
15.29
4,391.31
30.760499
10.000000
3,937.34
3,579.40
357.94
2,737.37
173,692.33
227,120.96
22,712.10
245,895.72
11
2.6045
166.16
29.04
253.43
0.00
15.69
4,489.30
34.166157
11.000000
4,024.98
3,626.11
398.87
2,702.70
170,954.96
229,363.70
25,230.01
250,568.73
12 10
1.9393
169.38
29.60
256.82
0.00
15.99
4,559.64
36.768041
12.000000
4,087.85
3,649.87
437.98
2,668.66
168,252.26
230,115.32
27,613.84
253,641.31
13 11
1.6540
172.18
30.09
259.52
0.00
16.25
4,618.05
39.030184
13.000000
4,140.01
3,663.73
476.28
2,635.20
165,583.60
230,211.18
29,927.45
255,998.62
14 12
1.4387
174.66
30.52
261.69
0.00
16.48
4,667.26
41.030412
14.000000
4,183.91
3,670.10
513.81
2,602.35
162,948.40
229,806.80
32,172.95
257,795.84
15
1 1996
1.3400
177.00
30.93
263.61
0.00
16.70
4,712.32
42.920219
15.000000
4,224.08
3,673.11
550.97
2,570.04
160,346.05
229,166.93
34,375.04
259,317.89
16
1.2526
179.22
31.32
265.30
0.00
16.91
4,753.66
44.710438
16.000000
4,260.91
3,673.20
587.71
2,538.31
157,776.01
228,318.35
36,530.94
260,588.38
17
0.9625
180.94
31.62
266.23
0.00
17.07
4,781.55
46.103276
17.000000
4,285.69
3,662.98
622.71
2,507.12
155,237.70
226,807.36
38,557.25
261,078.92
18
0.8139
182.41
31.88
266.76
0.00
17.21
4,802.47
47.292410
18.000000
4,304.21
3,647.64
656.57
2,476.46
152,730.58
224,960.55
40,492.90
261,149.24
19
0.6597
183.61
32.09
266.88
0.00
17.32
4,816.03
48.264098
19.000000
4,316.13
3,627.00
689.13
2,446.31
150,254.12
222,772.92
42,326.85
260,783.64
20
0.5888
184.69
32.28
266.79
0.00
17.42
4,826.16
49.137077
20.000000
4,324.98
3,604.15
720.83
2,416.67
147,807.81
220,436.25
44,087.25
260,198.52
10
1A
4A
1B
4B
VALOR
PRESENTE
NO
CORRIGIDO
DA PREST.
VALOR
%JUROS
DCV % ( 4A )
MPI
DFI
SC
FCVS
TS
PMT
% ( 4A )
DCV
ACUMULADA
ACUMULADO
JUROS DO
--------------
PRINCIPAL
PRINCIPAL
PRINCIPAL
JUROS DO
AMORTIZ.
DEVIDO NO
DEVIDO
DEVIDO
SALDO
VALOR
MENSAL DO
CORRIGIDO
CORRIGIDO
CORRIGIDO
DEVEDOR
PRESENTE
PRESENTE
PRINCIPAL
ANTES DE
ANTES DE
ANTES DE
APS
SIMPLES
PREST.
CORRIGIDO
CORRIGIDO
NO
EFETUADO O
EFETUADO O
EFETUADO O
EFETUADO O
PROPORC.
LQUIDA
DA PREST.
DA PREST.
CORRIGIDO
PAGAMENTO
PAGAMENTO
PAGAMENTO
PAGAMENTO
21
0.6099
185.82
32.48
266.75
0.00
17.53
4,837.26
50.046664
21.000000
4,334.68
3,582.38
752.30
2,387.51
145,391.14
218,154.56
45,812.46
259,632.34
22
0.5851
186.91
32.67
266.63
0.00
17.63
4,847.12
50.924587
22.000000
4,343.28
3,560.07
783.21
2,358.84
143,003.63
215,827.64
47,482.08
258,966.44
23
0.6275
188.08
32.88
266.62
0.00
17.74
4,858.98
51.871639
23.000000
4,353.66
3,539.56
814.10
2,330.63
140,644.79
213,599.55
49,127.90
258,373.79
24 10
0.6620
189.33
33.10
266.69
0.00
17.86
4,872.46
52.877029
24.000000
4,365.48
3,520.55
844.93
2,302.86
138,314.16
211,450.58
50,748.14
257,833.24
25 11
0.7419
190.73
33.35
266.95
0.00
17.99
4,889.78
54.011224
25.000000
4,380.76
3,504.61
876.15
2,275.55
136,011.30
209,472.67
52,368.17
257,460.08
26 12
0.8146
192.28
33.62
267.40
0.00
18.14
4,910.63
55.265800
26.000000
4,399.19
3,491.42
907.77
2,248.67
133,735.75
207,645.88
53,987.93
257,234.62
27
1 1997
0.8717
193.96
33.91
267.99
0.00
18.30
4,934.30
56.619252
27.000000
4,420.14
3,480.43
939.71
2,222.22
131,487.08
205,934.08
55,602.20
257,116.14
28
0.7440
195.40
34.16
268.23
0.00
18.44
4,951.73
57.784499
28.000000
4,435.50
3,465.23
970.27
2,196.18
129,264.86
203,959.91
57,108.77
256,633.18
29
0.6616
196.69
34.39
268.24
0.00
18.56
4,965.08
58.828401
29.000000
4,447.20
3,447.44
999.76
2,170.54
127,068.68
201,821.15
58,528.13
255,902.08
30
0.6316
197.93
34.61
268.16
0.00
18.68
4,976.91
59.831561
30.000000
4,457.53
3,428.87
1,028.66
2,145.30
124,898.14
199,626.65
59,888.00
255,057.12
31
0.6211
199.16
34.82
268.04
0.00
18.80
4,988.16
60.824275
31.000000
4,467.34
3,410.18
1,057.16
2,120.44
122,752.84
197,416.37
61,199.07
254,148.10
32
0.6354
200.43
35.04
267.95
0.00
18.92
5,000.09
61.846152
32.000000
4,477.75
3,392.23
1,085.52
2,095.96
120,632.40
195,238.90
62,476.45
253,237.60
33
0.6535
201.74
35.27
267.89
0.00
19.04
5,012.84
62.903817
33.000000
4,488.90
3,375.11
1,113.79
2,071.84
118,536.44
193,100.39
63,723.13
252,334.62
34
0.6580
203.07
35.50
267.83
0.00
19.17
5,025.79
63.975724
34.000000
4,500.22
3,358.37
1,141.85
2,048.09
116,464.60
190,973.67
64,931.05
251,404.50
35
0.6270
204.34
35.72
267.67
0.00
19.29
5,037.12
65.003852
35.000000
4,510.10
3,340.81
1,169.29
2,024.69
114,416.51
188,791.65
66,077.08
250,358.63
36 10
0.6474
205.66
35.95
267.56
0.00
19.41
5,049.43
66.072087
36.000000
4,520.85
3,324.15
1,196.70
2,001.63
112,391.82
186,651.44
67,194.52
249,325.11
37 11
0.6553
207.01
36.19
267.46
0.00
19.54
5,062.10
67.160357
37.000000
4,531.90
3,307.96
1,223.94
1,978.91
110,390.19
184,528.64
68,275.60
248,272.34
38 12
1.5334
210.18
36.74
269.67
0.00
19.84
5,118.97
69.723594
38.000000
4,582.54
3,320.68
1,261.86
1,956.52
108,411.28
183,999.52
69,919.82
249,336.80
39
1 1998
1.3085
212.93
37.22
271.29
0.00
20.10
5,164.94
71.944427
39.000000
4,623.40
3,326.19
1,297.21
1,934.46
106,454.76
183,043.03
71,386.78
249,806.41
40
1.1459
215.37
37.65
272.47
0.00
20.33
5,202.87
73.914739
40.000000
4,657.05
3,326.46
1,330.59
1,912.70
104,520.30
181,776.21
72,710.48
249,829.64
41
0.4461
216.33
37.82
271.74
0.00
20.42
5,204.73
74.690572
41.000000
4,658.42
3,303.84
1,354.58
1,891.25
102,607.60
179,245.80
73,490.78
248,078.16
42
0.8995
218.28
38.16
272.23
0.00
20.60
5,229.99
76.261914
42.000000
4,680.72
3,296.28
1,384.44
1,870.10
100,716.35
177,524.57
74,560.32
247,404.17
43
0.4720
219.31
38.34
271.54
0.00
20.70
5,233.03
77.093870
43.000000
4,683.14
3,274.92
1,408.22
1,849.26
98,846.25
175,050.65
75,271.78
245,639.29
44
0.4543
220.31
38.51
270.80
0.00
20.79
5,235.06
77.898408
44.000000
4,684.65
3,253.23
1,431.42
1,828.70
96,996.99
172,556.10
75,924.68
243,796.13
45
0.4913
221.39
38.70
270.15
0.00
20.89
5,238.94
78.772423
45.000000
4,687.81
3,232.97
1,454.84
1,808.43
95,168.29
170,134.66
76,560.60
242,007.45
46
0.5503
222.61
38.91
269.63
0.00
21.00
5,245.78
79.756207
46.000000
4,693.63
3,214.82
1,478.81
1,788.43
93,359.86
167,820.14
77,197.26
240,323.77
47
0.3749
223.44
39.06
268.64
0.00
21.08
5,243.40
80.430113
47.000000
4,691.18
3,191.28
1,499.90
1,768.71
91,571.43
165,222.43
77,654.54
238,185.79
48 10
0.4512
224.45
39.24
267.84
0.00
21.18
5,244.92
81.244214
48.000000
4,692.21
3,170.41
1,521.80
1,749.25
89,802.72
162,762.23
78,125.87
236,195.89
49 11
0.8892
226.45
39.59
268.19
0.00
21.37
5,269.22
82.855837
49.000000
4,713.62
3,163.50
1,550.12
1,730.05
88,053.47
161,010.91
78,895.35
235,192.64
50 12
0.6136
227.84
39.83
267.79
0.00
21.50
5,279.06
83.977841
50.000000
4,722.10
3,148.07
1,574.03
1,711.11
86,323.42
158,815.96
79,407.98
233,501.84
51
1 1999
0.7434
229.53
40.13
267.72
0.00
21.66
5,295.66
85.345532
51.000000
4,736.62
3,136.83
1,599.79
1,692.42
84,612.31
156,825.14
79,980.82
232,069.34
52
0.5163
230.72
40.34
267.03
0.00
21.77
5,300.21
86.302471
52.000000
4,740.35
3,118.65
1,621.70
1,673.97
82,919.89
154,481.80
80,330.54
230,071.99
53
0.8298
232.63
40.67
267.16
0.00
21.95
5,321.23
87.848409
53.000000
4,758.82
3,110.34
1,648.48
1,655.77
81,245.92
152,619.17
80,888.16
228,748.51
54
1.1614
235.33
41.14
268.15
0.00
22.20
5,359.80
90.030080
54.000000
4,792.98
3,112.32
1,680.66
1,637.80
79,590.15
151,245.23
81,672.42
228,124.67
55
0.6092
236.76
41.39
267.66
0.00
22.34
5,369.08
91.187744
55.000000
4,800.93
3,097.37
1,703.56
1,620.07
77,952.35
149,035.34
81,969.44
226,203.85
10
1A
4A
1B
4B
VALOR
PRESENTE
NO
CORRIGIDO
DA PREST.
VALOR
%JUROS
DCV % ( 4A )
MPI
DFI
SC
FCVS
TS
PMT
% ( 4A )
DCV
ACUMULADA
ACUMULADO
JUROS DO
--------------
PRINCIPAL
PRINCIPAL
PRINCIPAL
JUROS DO
AMORTIZ.
DEVIDO NO
DEVIDO
DEVIDO
SALDO
VALOR
MENSAL DO
CORRIGIDO
CORRIGIDO
CORRIGIDO
DEVEDOR
PRESENTE
PRESENTE
PRINCIPAL
ANTES DE
ANTES DE
ANTES DE
APS
SIMPLES
PREST.
CORRIGIDO
CORRIGIDO
NO
EFETUADO O
EFETUADO O
EFETUADO O
EFETUADO O
PROPORC.
LQUIDA
DA PREST.
DA PREST.
CORRIGIDO
PAGAMENTO
PAGAMENTO
PAGAMENTO
PAGAMENTO
56
0.5761
238.12
41.63
267.07
0.00
22.47
5,376.52
92.289176
56.000000
4,807.23
3,081.56
1,725.67
1,602.57
76,332.28
146,778.71
82,196.08
224,167.56
57
0.3108
238.86
41.76
265.76
0.00
22.54
5,369.66
92.886811
57.000000
4,800.74
3,057.80
1,742.94
1,585.28
74,729.71
144,143.75
82,161.94
221,504.95
58
0.2933
239.56
41.88
264.39
0.00
22.61
5,361.77
93.452548
58.000000
4,793.33
3,033.75
1,759.58
1,568.21
73,144.43
141,499.76
82,069.86
218,776.29
59
0.2945
240.27
42.00
263.01
0.00
22.68
5,353.85
94.022266
59.000000
4,785.89
3,009.99
1,775.90
1,551.36
71,576.22
138,873.80
81,935.54
216,023.45
60 10
0.2715
240.92
42.11
261.56
0.00
22.74
5,344.60
94.549036
60.000000
4,777.27
2,985.79
1,791.48
1,534.72
70,024.86
136,232.69
81,739.61
213,195.03
61 11
0.2265
241.47
42.21
259.99
0.00
22.79
5,332.87
94.989690
61.000000
4,766.41
2,960.50
1,805.91
1,518.29
68,490.14
133,548.71
81,464.71
210,247.01
62 12
0.1998
241.95
42.29
258.34
0.00
22.84
5,319.64
95.379279
62.000000
4,754.22
2,934.70
1,819.52
1,502.05
66,971.85
130,849.12
81,126.45
207,221.35
63
1 2000
0.2998
242.68
42.42
256.93
0.00
22.91
5,311.64
95.965026
63.000000
4,746.70
2,912.09
1,834.61
1,486.03
65,469.80
128,297.91
80,827.68
204,378.89
64
0.2149
243.20
42.51
255.30
0.00
22.96
5,299.06
96.386155
64.000000
4,735.09
2,887.25
1,847.84
1,470.19
63,983.77
125,655.27
80,419.37
201,339.55
65
0.2328
243.77
42.61
253.71
0.00
23.01
5,287.34
96.843342
65.000000
4,724.24
2,863.18
1,861.06
1,454.55
62,513.58
123,053.82
79,984.98
198,314.56
66
0.2242
244.32
42.71
252.09
0.00
23.06
5,275.09
97.284665
66.000000
4,712.91
2,839.10
1,873.81
1,439.09
61,059.03
120,460.10
79,503.67
195,250.86
67
0.1301
244.64
42.77
250.22
0.00
23.09
5,257.82
97.541332
67.000000
4,697.10
2,812.63
1,884.47
1,423.82
59,619.94
117,774.02
78,908.59
191,985.51
68
0.2492
245.25
42.88
248.64
0.00
23.15
5,246.72
98.033605
68.000000
4,686.80
2,789.76
1,897.04
1,408.73
58,196.12
115,247.87
78,368.55
188,929.62
69
0.2140
245.77
42.97
246.97
0.00
23.20
5,233.69
98.457397
69.000000
4,674.78
2,766.14
1,908.64
1,393.82
56,787.39
112,698.78
77,762.16
185,786.16
70
0.1547
246.15
43.04
245.14
0.00
23.24
5,217.48
98.764411
70.000000
4,659.91
2,741.12
1,918.79
1,379.08
55,393.57
110,102.70
77,071.89
182,514.68
71
0.2025
246.65
43.13
243.43
0.00
23.29
5,203.72
99.166909
71.000000
4,647.22
2,717.67
1,929.55
1,364.52
54,014.49
107,578.99
76,381.08
179,312.85
72 10
0.1038
246.91
43.17
241.46
0.00
23.31
5,184.74
99.373644
72.000000
4,629.89
2,691.80
1,938.09
1,350.13
52,649.97
104,970.16
75,578.52
175,918.79
73 11
0.1316
247.23
43.23
239.56
0.00
23.34
5,167.17
99.636020
73.000000
4,613.81
2,666.94
1,946.87
1,335.90
51,299.84
102,412.96
74,761.46
172,560.61
74 12
0.1197
247.53
43.28
237.63
0.00
23.37
5,148.93
99.874984
74.000000
4,597.12
2,642.02
1,955.10
1,321.84
49,963.94
99,865.42
73,900.41
169,168.71
75
1 2001
0.0991
247.78
43.32
235.64
0.00
23.39
5,129.58
100.073060
75.000000
4,579.45
2,616.83
1,962.62
1,307.94
48,642.10
97,319.74
72,989.81
165,730.10
76
0.1369
248.12
43.38
233.74
0.00
23.42
5,112.12
100.346960
76.000000
4,563.46
2,592.88
1,970.58
1,294.19
47,334.16
94,832.55
72,072.74
162,341.83
77
0.0368
248.21
43.40
231.60
0.00
23.43
5,089.52
100.420688
77.000000
4,542.88
2,566.60
1,976.28
1,280.61
46,039.97
92,273.62
71,050.69
158,781.43
78
0.1724
248.64
43.47
229.77
0.00
23.47
5,073.75
100.766213
78.000000
4,528.40
2,544.04
1,984.36
1,267.17
44,759.36
89,861.67
70,092.10
155,425.37
79
0.1546
249.02
43.54
227.89
0.00
23.51
5,057.00
101.076598
79.000000
4,513.04
2,521.25
1,991.79
1,253.88
43,492.19
87,452.62
69,087.57
152,027.15
80
0.1827
249.47
43.62
226.07
0.00
23.55
5,041.62
101.443965
80.000000
4,498.91
2,499.39
1,999.52
1,240.74
42,238.31
85,086.53
68,069.22
148,656.84
81
0.1458
249.83
43.68
224.15
0.00
23.58
5,024.29
101.737670
81.000000
4,483.05
2,476.82
2,006.23
1,227.74
40,997.57
82,707.54
66,993.11
145,217.60
82
0.2441
250.44
43.79
222.45
0.00
23.64
5,011.85
102.230112
82.000000
4,471.53
2,456.88
2,014.65
1,214.89
39,769.83
80,426.57
65,949.79
141,904.83
83
0.3436
251.30
43.94
220.96
0.00
23.72
5,004.27
102.924974
83.000000
4,464.35
2,439.54
2,024.81
1,202.19
38,554.94
78,237.60
64,937.21
138,710.46
84 10
0.1627
251.71
44.01
219.06
0.00
23.76
4,987.57
103.255133
84.000000
4,449.03
2,417.95
2,031.08
1,189.61
37,352.75
75,921.38
63,773.96
135,246.31
85 11
0.0000
251.71
44.01
216.81
0.00
23.76
4,962.74
103.255133
85.000000
4,426.45
2,392.68
2,033.77
1,177.18
36,163.14
73,503.44
62,477.92
131,554.91
86 12
0.0000
251.71
44.01
214.55
0.00
23.76
4,937.90
103.255133
86.000000
4,403.87
2,367.67
2,036.20
1,164.88
34,985.96
71,110.76
61,155.25
127,862.14
87
1 2002
0.0000
251.71
44.01
212.29
0.00
23.76
4,913.06
103.255133
87.000000
4,381.29
2,342.94
2,038.35
1,152.71
33,821.08
68,743.08
59,806.48
124,168.27
88
0.0000
251.71
44.01
210.03
0.00
23.76
4,888.19
103.255133
88.000000
4,358.68
2,318.45
2,040.23
1,140.66
32,668.37
66,400.14
58,432.12
120,473.58
89
0.0000
251.71
44.01
207.77
0.00
23.76
4,863.35
103.255133
89.000000
4,336.10
2,294.23
2,041.87
1,128.74
31,527.71
64,081.69
57,032.70
116,778.29
90
0.0000
251.71
44.01
205.51
0.00
23.76
4,838.51
103.255133
90.000000
4,313.52
2,270.27
2,043.25
1,116.96
30,398.97
61,787.47
55,608.72
113,082.67
10
1A
4A
1B
4B
VALOR
PRESENTE
NO
CORRIGIDO
DA PREST.
VALOR
%JUROS
DCV % ( 4A )
MPI
DFI
SC
FCVS
TS
PMT
% ( 4A )
DCV
ACUMULADA
ACUMULADO
JUROS DO
--------------
PRINCIPAL
PRINCIPAL
PRINCIPAL
JUROS DO
AMORTIZ.
DEVIDO NO
DEVIDO
DEVIDO
SALDO
VALOR
MENSAL DO
CORRIGIDO
CORRIGIDO
CORRIGIDO
DEVEDOR
PRESENTE
PRESENTE
PRINCIPAL
ANTES DE
ANTES DE
ANTES DE
APS
SIMPLES
PREST.
CORRIGIDO
CORRIGIDO
NO
EFETUADO O
EFETUADO O
EFETUADO O
EFETUADO O
PROPORC.
LQUIDA
DA PREST.
DA PREST.
CORRIGIDO
PAGAMENTO
PAGAMENTO
PAGAMENTO
PAGAMENTO
91
0.0000
251.71
44.01
203.26
0.00
23.76
4,813.68
103.255133
91.000000
4,290.94
2,246.57
2,044.37
1,105.30
29,282.01
59,517.19
54,160.64
109,386.89
92
0.0000
251.71
44.01
201.00
0.00
23.76
4,788.84
103.255133
92.000000
4,268.36
2,223.10
2,045.26
1,093.75
28,176.71
57,270.61
52,688.96
105,691.21
93
0.0000
251.71
44.01
198.74
0.00
23.76
4,764.00
103.255133
93.000000
4,245.78
2,199.89
2,045.89
1,082.33
27,082.96
55,047.51
51,194.18
101,995.91
94
0.0000
251.71
44.01
196.48
0.00
23.76
4,739.15
103.255133
94.000000
4,223.19
2,176.90
2,046.29
1,071.02
26,000.63
52,847.62
49,676.76
98,301.19
95
0.0000
251.71
44.01
194.22
0.00
23.76
4,714.31
103.255133
95.000000
4,200.61
2,154.16
2,046.45
1,059.83
24,929.61
50,670.71
48,137.17
94,607.27
96 10
0.0000
251.71
44.01
191.96
0.00
23.76
4,689.47
103.255133
96.000000
4,178.03
2,131.65
2,046.38
1,048.76
23,869.78
48,516.55
46,575.89
90,914.41
97 11
0.0000
251.71
44.01
189.71
0.00
23.76
4,664.62
103.255133
97.000000
4,155.43
2,109.36
2,046.07
1,037.79
22,821.02
46,384.89
44,993.34
87,222.80
98 12
0.0000
251.71
44.01
187.45
0.00
23.76
4,639.78
103.255133
98.000000
4,132.85
2,087.30
2,045.55
1,026.94
21,783.23
44,275.53
43,390.02
83,532.70
99
1 2003
0.0000
251.71
44.01
185.19
0.00
23.76
4,614.94
103.255133
99.000000
4,110.27
2,065.46
2,044.81
1,016.19
20,756.29
42,188.22
41,766.34
79,844.29
100
0.0000
251.71
44.01
182.93
0.00
23.76
4,590.09
103.255133
100.000000
4,087.68
2,043.84
2,043.84
1,005.55
19,740.10
40,122.77
40,122.77
76,157.86
101
0.0000
251.71
44.01
180.67
0.00
23.76
4,565.25
103.255133
101.000000
4,065.10
2,022.44
2,042.66
995.03
18,734.55
38,078.93
38,459.72
72,473.55
102
0.0000
251.71
44.01
178.41
0.00
23.76
4,540.41
103.255133
102.000000
4,042.52
2,001.25
2,041.27
984.60
17,739.52
36,056.48
36,777.61
68,791.57
103
0.0000
251.71
44.01
176.15
0.00
23.76
4,515.57
103.255133
103.000000
4,019.94
1,980.27
2,039.67
974.28
16,754.92
34,055.23
35,076.89
65,112.18
104
0.0000
251.71
44.01
173.90
0.00
23.76
4,490.74
103.255133
104.000000
3,997.36
1,959.49
2,037.87
964.05
15,780.64
32,074.96
33,357.96
61,435.56
105
0.0000
251.71
44.01
171.64
0.00
23.76
4,465.90
103.255133
105.000000
3,974.78
1,938.92
2,035.86
953.93
14,816.59
30,115.48
31,621.25
57,761.95
106
0.0000
251.71
44.01
169.38
0.00
23.76
4,441.03
103.255133
106.000000
3,952.17
1,918.53
2,033.64
943.90
13,862.66
28,176.57
29,867.16
54,091.56
107
0.0000
251.71
44.01
167.12
0.00
23.76
4,416.19
103.255133
107.000000
3,929.59
1,898.35
2,031.24
933.97
12,918.76
26,258.04
28,096.10
50,424.55
108 10
0.0000
251.71
44.01
164.86
0.00
23.76
4,391.35
103.255133
108.000000
3,907.01
1,878.37
2,028.64
924.14
11,984.79
24,359.70
26,308.48
46,761.17
109 11
0.0000
251.71
44.01
162.60
0.00
23.76
4,366.51
103.255133
109.000000
3,884.43
1,858.58
2,025.85
914.41
11,060.65
22,481.34
24,504.66
43,101.57
110 12
0.0000
251.71
44.01
160.35
0.00
23.76
4,341.68
103.255133
110.000000
3,861.85
1,838.98
2,022.87
904.76
10,146.24
20,622.75
22,685.03
39,445.93
111
1 2004
0.0000
251.71
44.01
158.09
0.00
23.76
4,316.84
103.255133
111.000000
3,839.27
1,819.56
2,019.71
895.21
9,241.48
18,783.78
20,850.00
35,794.51
112
0.0000
251.71
44.01
155.83
0.00
23.76
4,291.99
103.255133
112.000000
3,816.68
1,800.32
2,016.36
885.74
8,346.27
16,964.22
18,999.93
32,147.47
113
0.0000
251.71
44.01
153.57
0.00
23.76
4,267.15
103.255133
113.000000
3,794.10
1,781.27
2,012.83
876.37
7,460.53
15,163.91
17,135.22
28,505.03
114
0.0000
251.71
44.01
151.31
0.00
23.76
4,242.31
103.255133
114.000000
3,771.52
1,762.39
2,009.13
867.08
6,584.16
13,382.64
15,256.21
24,867.33
115
0.0000
251.71
44.01
149.05
0.00
23.76
4,217.45
103.255133
115.000000
3,748.92
1,743.68
2,005.24
857.88
5,717.08
11,620.26
13,363.30
21,234.64
116
0.0000
251.71
44.01
146.80
0.00
23.76
4,192.62
103.255133
116.000000
3,726.34
1,725.16
2,001.18
848.77
4,859.20
9,876.57
11,456.82
17,607.05
117
0.0000
251.71
44.01
144.54
0.00
23.76
4,167.78
103.255133
117.000000
3,703.76
1,706.80
1,996.96
839.73
4,010.43
8,151.40
9,537.14
13,984.78
118
0.0000
251.71
44.01
142.28
0.00
23.76
4,142.93
103.255133
118.000000
3,681.17
1,688.61
1,992.56
830.78
3,170.70
6,444.61
7,604.64
10,368.08
119
0.0000
251.71
44.01
140.02
0.00
23.76
4,118.09
103.255133
119.000000
3,658.59
1,670.59
1,988.00
821.92
2,339.92
4,756.01
5,659.65
6,757.07
120 10
0.0000
251.71
44.01
137.76
0.00
23.76
4,093.25
103.255133
120.000000
3,636.01
1,652.73
1,983.28
813.13
1,518.00
3,085.41
3,702.49
3,151.89
121 11
0.0000
251.71
44.01
135.50
0.00
23.76
4,068.41
103.255133
121.000000
3,613.43
1,635.04
1,978.39
804.43
704.87
1,432.68
1,733.54
-447.21
122 12
0.0000
251.71
44.01
133.25
0.00
23.76
4,043.58
103.255133
122.000000
3,590.85
1,617.50
1,973.35
795.80
-99.56
-202.36
-246.88
-4,040.09
123
1 2005
0.0000
251.71
44.01
130.99
0.00
23.76
4,018.74
103.255133
123.000000
3,568.27
1,600.12
1,968.15
787.25
-895.36
-1,819.87
-2,238.44
-7,626.58
124
0.0000
251.71
44.01
128.73
0.00
23.76
3,993.87
103.255133
124.000000
3,545.66
1,582.88
1,962.78
778.77
-1,682.61
-3,419.99
-4,240.79
-11,206.44
125
0.0000
251.71
44.01
126.47
0.00
23.76
3,969.03
103.255133
125.000000
3,523.08
1,565.81
1,957.27
770.37
-2,461.38
-5,002.88
-6,253.60
-14,779.56
10
1A
4A
1B
4B
VALOR
PRESENTE
NO
CORRIGIDO
DA PREST.
VALOR
%JUROS
DCV % ( 4A )
MPI
DFI
SC
FCVS
TS
PMT
% ( 4A )
DCV
ACUMULADA
ACUMULADO
JUROS DO
--------------
PRINCIPAL
PRINCIPAL
PRINCIPAL
JUROS DO
AMORTIZ.
DEVIDO NO
DEVIDO
DEVIDO
SALDO
VALOR
MENSAL DO
CORRIGIDO
CORRIGIDO
CORRIGIDO
DEVEDOR
PRESENTE
PRESENTE
PRINCIPAL
ANTES DE
ANTES DE
ANTES DE
APS
SIMPLES
PREST.
CORRIGIDO
CORRIGIDO
NO
EFETUADO O
EFETUADO O
EFETUADO O
EFETUADO O
PROPORC.
LQUIDA
DA PREST.
DA PREST.
CORRIGIDO
PAGAMENTO
PAGAMENTO
PAGAMENTO
PAGAMENTO
126
0.0000
251.71
44.01
124.21
0.00
23.76
3,944.19
103.255133
126.000000
3,500.50
1,548.89
1,951.61
762.04
-3,231.75
-6,568.70
-8,276.56
-18,345.76
127
0.0000
251.71
44.01
121.95
0.00
23.76
3,919.35
103.255133
127.000000
3,477.92
1,532.12
1,945.80
753.79
-3,993.79
-8,117.58
-10,309.33
-21,904.83
128
0.0000
251.71
44.01
119.70
0.00
23.76
3,894.52
103.255133
128.000000
3,455.34
1,515.50
1,939.84
745.61
-4,747.58
-9,649.70
-12,351.62
-25,456.66
129
0.0000
251.71
44.01
117.44
0.00
23.76
3,869.68
103.255133
129.000000
3,432.76
1,499.02
1,933.74
737.51
-5,493.19
-11,165.19
-14,403.10
-29,001.05
130
0.0000
251.71
44.01
115.18
0.00
23.76
3,844.83
103.255133
130.000000
3,410.17
1,482.68
1,927.49
729.47
-6,230.70
-12,664.22
-16,463.49
-32,537.88
131
0.0000
251.71
44.01
112.92
0.00
23.76
3,819.99
103.255133
131.000000
3,387.59
1,466.49
1,921.10
721.50
-6,960.17
-14,146.90
-18,532.44
-36,066.93
132 10
0.0000
251.71
44.01
110.66
0.00
23.76
3,795.15
103.255133
132.000000
3,365.01
1,450.44
1,914.57
713.61
-7,681.67
-15,613.39
-20,609.67
-39,588.07
133 11
0.0000
251.71
44.01
108.40
0.00
23.76
3,770.29
103.255133
133.000000
3,342.41
1,434.51
1,907.90
705.77
-8,395.28
-17,063.84
-22,694.91
-43,101.16
134 12
0.0000
251.71
44.01
106.14
0.00
23.76
3,745.45
103.255133
134.000000
3,319.83
1,418.73
1,901.10
698.00
-9,101.05
-18,498.35
-24,787.79
-46,605.97
135
1 2006
0.0000
251.71
44.01
103.89
0.00
23.76
3,720.62
103.255133
135.000000
3,297.25
1,403.09
1,894.16
690.31
-9,799.05
-19,917.07
-26,888.04
-50,102.36
136
0.0000
251.71
44.01
101.63
0.00
23.76
3,695.77
103.255133
136.000000
3,274.66
1,387.57
1,887.09
682.67
-10,489.36
-21,320.16
-28,995.42
-53,590.24
137
0.0000
251.71
44.01
99.37
0.00
23.76
3,670.93
103.255133
137.000000
3,252.08
1,372.19
1,879.89
675.11
-11,172.03
-22,707.72
-31,109.58
-57,069.38
138
0.0000
251.71
44.01
97.11
0.00
23.76
3,646.09
103.255133
138.000000
3,229.50
1,356.93
1,872.57
667.60
-11,847.14
-24,079.92
-33,230.29
-60,539.71
139
0.0000
251.71
44.01
94.85
0.00
23.76
3,621.25
103.255133
139.000000
3,206.92
1,341.81
1,865.11
660.16
-12,514.74
-25,436.85
-35,357.22
-64,000.99
140
0.0000
251.71
44.01
92.59
0.00
23.76
3,596.41
103.255133
140.000000
3,184.34
1,326.81
1,857.53
652.78
-13,174.90
-26,778.66
-37,490.12
-67,453.12
141
0.0000
251.71
44.01
90.34
0.00
23.76
3,571.58
103.255133
141.000000
3,161.76
1,311.93
1,849.83
645.46
-13,827.68
-28,105.47
-39,628.71
-70,895.94
142
0.0000
251.71
44.01
88.08
0.00
23.76
3,546.71
103.255133
142.000000
3,139.15
1,297.17
1,841.98
638.20
-14,473.14
-29,417.40
-41,772.71
-74,329.26
143
0.0000
251.71
44.01
85.82
0.00
23.76
3,521.87
103.255133
143.000000
3,116.57
1,282.54
1,834.03
631.00
-15,111.34
-30,714.57
-43,921.84
-77,752.98
144 10
0.0000
251.71
44.01
83.56
0.00
23.76
3,497.03
103.255133
144.000000
3,093.99
1,268.03
1,825.96
623.86
-15,742.34
-31,997.11
-46,075.84
-81,166.94
145 11
0.0000
251.71
44.01
81.30
0.00
23.76
3,472.19
103.255133
145.000000
3,071.41
1,253.64
1,817.77
616.78
-16,366.20
-33,265.14
-48,234.45
-84,571.00
146 12
0.0000
251.71
44.01
79.04
0.00
23.76
3,447.35
103.255133
146.000000
3,048.83
1,239.36
1,809.47
609.76
-16,982.98
-34,518.78
-50,397.42
-87,965.03
147
1 2007
0.0000
251.71
44.01
76.79
0.00
23.76
3,422.52
103.255133
147.000000
3,026.25
1,225.20
1,801.05
602.79
-17,592.74
-35,758.15
-52,564.48
-91,348.88
148
0.0000
251.71
44.01
74.53
0.00
23.76
3,397.67
103.255133
148.000000
3,003.66
1,211.15
1,792.51
595.88
-18,195.53
-36,983.35
-54,735.36
-94,722.37
149
0.0000
251.71
44.01
72.27
0.00
23.76
3,372.83
103.255133
149.000000
2,981.08
1,197.22
1,783.86
589.02
-18,791.41
-38,194.51
-56,909.82
-98,085.41
150
0.0000
251.71
44.01
70.01
0.00
23.76
3,347.99
103.255133
150.000000
2,958.50
1,183.40
1,775.10
582.22
-19,380.43
-39,391.72
-59,087.58
-101,437.80
151
0.0000
251.71
44.01
67.75
0.00
23.76
3,323.15
103.255133
151.000000
2,935.92
1,169.69
1,766.23
575.48
-19,962.65
-40,575.11
-61,268.42
-104,779.45
152
0.0000
251.71
44.01
65.49
0.00
23.76
3,298.29
103.255133
152.000000
2,913.32
1,156.08
1,757.24
568.78
-20,538.13
-41,744.80
-63,452.10
-108,110.22
153
0.0000
251.71
44.01
63.24
0.00
23.76
3,273.46
103.255133
153.000000
2,890.74
1,142.58
1,748.16
562.14
-21,106.91
-42,900.88
-65,638.35
-111,429.97
154
0.0000
251.71
44.01
60.98
0.00
23.76
3,248.61
103.255133
154.000000
2,868.15
1,129.19
1,738.96
555.55
-21,669.05
-44,043.46
-67,826.93
-114,738.54
155
0.0000
251.71
44.01
58.72
0.00
23.76
3,223.77
103.255133
155.000000
2,845.57
1,115.91
1,729.66
549.02
-22,224.60
-45,172.64
-70,017.59
-118,035.80
156 10
0.0000
251.71
44.01
56.46
0.00
23.76
3,198.93
103.255133
156.000000
2,822.99
1,102.73
1,720.26
542.53
-22,773.62
-46,288.55
-72,210.14
-121,321.68
157 11
0.0000
251.71
44.01
54.20
0.00
23.76
3,174.09
103.255133
157.000000
2,800.41
1,089.65
1,710.76
536.10
-23,316.15
-47,391.27
-74,404.29
-124,595.97
158 12
0.0000
251.71
44.01
51.94
0.00
23.76
3,149.25
103.255133
158.000000
2,777.83
1,076.68
1,701.15
529.72
-23,852.25
-48,480.92
-76,599.85
-127,858.60
159
1 2008
0.0000
251.71
44.01
49.69
0.00
23.76
3,124.42
103.255133
159.000000
2,755.25
1,063.80
1,691.45
523.38
-24,381.97
-49,557.61
-78,796.60
-131,109.46
160
0.0000
251.71
44.01
47.43
0.00
23.76
3,099.57
103.255133
160.000000
2,732.66
1,051.02
1,681.64
517.09
-24,905.35
-50,621.40
-80,994.24
-134,348.30
10
1A
4A
1B
4B
VALOR
PRESENTE
NO
CORRIGIDO
DA PREST.
VALOR
%JUROS
DCV % ( 4A )
MPI
DFI
SC
FCVS
TS
PMT
% ( 4A )
DCV
ACUMULADA
ACUMULADO
JUROS DO
--------------
PRINCIPAL
PRINCIPAL
PRINCIPAL
JUROS DO
AMORTIZ.
DEVIDO NO
DEVIDO
DEVIDO
SALDO
VALOR
MENSAL DO
CORRIGIDO
CORRIGIDO
CORRIGIDO
DEVEDOR
PRESENTE
PRESENTE
PRINCIPAL
ANTES DE
ANTES DE
ANTES DE
APS
SIMPLES
PREST.
CORRIGIDO
CORRIGIDO
NO
EFETUADO O
EFETUADO O
EFETUADO O
EFETUADO O
PROPORC.
LQUIDA
DA PREST.
DA PREST.
CORRIGIDO
PAGAMENTO
PAGAMENTO
PAGAMENTO
PAGAMENTO
161
0.0000
251.71
44.01
45.17
0.00
23.76
3,074.71
103.255133
161.000000
2,710.06
1,038.34
1,671.72
510.86
-25,422.44
-51,672.41
-83,192.58
-137,575.05
162
0.0000
251.71
44.01
42.91
0.00
23.76
3,049.87
103.255133
162.000000
2,687.48
1,025.76
1,661.72
504.67
-25,933.30
-52,710.76
-85,391.43
-140,789.67
163
0.0000
251.71
44.01
40.65
0.00
23.76
3,025.03
103.255133
163.000000
2,664.90
1,013.27
1,651.63
498.52
-26,437.97
-53,736.53
-87,590.54
-143,991.97
164
0.0000
251.71
44.01
38.39
0.00
23.76
3,000.19
103.255133
164.000000
2,642.32
1,000.88
1,641.44
492.43
-26,936.49
-54,749.80
-89,789.67
-147,181.79
165
0.0000
251.71
44.01
36.13
0.00
23.76
2,975.35
103.255133
165.000000
2,619.74
988.58
1,631.16
486.37
-27,428.92
-55,750.69
-91,988.64
-150,359.07
166
0.0000
251.71
44.01
33.88
0.00
23.76
2,950.51
103.255133
166.000000
2,597.15
976.37
1,620.78
480.37
-27,915.29
-56,739.26
-94,187.17
-153,523.58
167
0.0000
251.71
44.01
31.62
0.00
23.76
2,925.67
103.255133
167.000000
2,574.57
964.26
1,610.31
474.41
-28,395.66
-57,715.64
-96,385.12
-156,675.33
168 10
0.0000
251.71
44.01
29.36
0.00
23.76
2,900.83
103.255133
168.000000
2,551.99
952.24
1,599.75
468.49
-28,870.07
-58,679.90
-98,582.23
-159,814.12
169 11
0.0000
251.71
44.01
27.10
0.00
23.76
2,875.99
103.255133
169.000000
2,529.41
940.30
1,589.11
462.62
-29,338.56
-59,632.13
-100,778.30
-162,939.84
170 12
0.0000
251.71
44.01
24.84
0.00
23.76
2,851.13
103.255133
170.000000
2,506.81
928.45
1,578.36
456.79
-29,801.18
-60,572.43
-102,973.13
-166,052.37
171
1 2009
0.0000
251.71
44.01
22.58
0.00
23.76
2,826.28
103.255133
171.000000
2,484.22
916.69
1,567.53
451.00
-30,257.97
-61,500.88
-105,166.50
-169,151.60
172
0.0000
251.71
44.01
20.33
0.00
23.76
2,801.45
103.255133
172.000000
2,461.64
905.01
1,556.63
445.26
-30,708.97
-62,417.56
-107,358.20
-172,237.40
173
0.0000
251.71
44.01
18.07
0.00
23.76
2,776.61
103.255133
173.000000
2,439.06
893.43
1,545.63
439.56
-31,154.23
-63,322.57
-109,548.05
-175,309.68
174
0.0000
251.71
44.01
15.81
0.00
23.76
2,751.77
103.255133
174.000000
2,416.48
881.93
1,534.55
433.90
-31,593.79
-64,216.00
-111,735.84
-178,368.32
175
0.0000
251.71
44.01
13.55
0.00
23.76
2,726.93
103.255133
175.000000
2,393.90
870.51
1,523.39
428.28
-32,027.69
-65,097.92
-113,921.36
-181,413.18
176
0.0000
251.71
44.01
11.29
0.00
23.76
2,702.09
103.255133
176.000000
2,371.32
859.17
1,512.15
422.71
-32,455.97
-65,968.43
-116,104.44
-184,444.19
177
0.0000
251.71
44.01
9.03
0.00
23.76
2,677.25
103.255133
177.000000
2,348.74
847.92
1,500.82
417.17
-32,878.68
-66,827.60
-118,284.85
-187,461.19
178
0.0000
251.71
44.01
6.78
0.00
23.76
2,652.41
103.255133
178.000000
2,326.15
836.74
1,489.41
411.67
-33,295.85
-67,675.52
-120,462.43
-190,464.10
179
0.0000
251.71
44.01
4.52
0.00
23.76
2,627.55
103.255133
179.000000
2,303.55
825.65
1,477.90
406.21
-33,707.52
-68,512.26
-122,636.95
-193,452.76
180 10
0.0000
251.71
44.01
2.26
0.00
23.76
2,602.71
103.255133
180.000000
2,280.97
814.63
1,466.34
400.79
-34,113.73
-69,337.91
-124,808.24
-196,427.12
181
182
183
184
185
186
187
188
189
190
191
192
193
194
195
10
1A
4A
1B
4B
VALOR
PRESENTE
NO
CORRIGIDO
DA PREST.
VALOR
%JUROS
DCV % ( 4A )
196
197
198
199
200
201
202
203
204
205
206
207
208
209
210
211
212
213
214
215
216
217
218
219
220
221
222
223
224
225
226
227
228
229
230
MPI
DFI
SC
FCVS
TS
PMT
JUROS DO
--------------
PRINCIPAL
PRINCIPAL
PRINCIPAL
JUROS DO
AMORTIZ.
DEVIDO NO
DEVIDO
DEVIDO
SALDO
VALOR
MENSAL DO
CORRIGIDO
CORRIGIDO
CORRIGIDO
DEVEDOR
PRESENTE
PRESENTE
PRINCIPAL
ANTES DE
ANTES DE
ANTES DE
APS
% ( 4A )
DCV
SIMPLES
PREST.
CORRIGIDO
CORRIGIDO
NO
EFETUADO O
EFETUADO O
EFETUADO O
EFETUADO O
ACUMULADA
ACUMULADO
PROPORC.
LQUIDA
DA PREST.
DA PREST.
CORRIGIDO
PAGAMENTO
PAGAMENTO
PAGAMENTO
PAGAMENTO
10
1A
4A
1B
4B
VALOR
PRESENTE
NO
CORRIGIDO
DA PREST.
VALOR
%JUROS
DCV % ( 4A )
231
232
233
234
235
236
237
238
239
240
241
242
243
244
245
246
247
248
249
250
251
252
253
254
255
256
257
258
259
260
261
262
263
264
265
MPI
DFI
SC
FCVS
TS
PMT
JUROS DO
--------------
PRINCIPAL
PRINCIPAL
PRINCIPAL
JUROS DO
AMORTIZ.
DEVIDO NO
DEVIDO
DEVIDO
SALDO
VALOR
MENSAL DO
CORRIGIDO
CORRIGIDO
CORRIGIDO
DEVEDOR
PRESENTE
PRESENTE
PRINCIPAL
ANTES DE
ANTES DE
ANTES DE
APS
% ( 4A )
DCV
SIMPLES
PREST.
CORRIGIDO
CORRIGIDO
NO
EFETUADO O
EFETUADO O
EFETUADO O
EFETUADO O
ACUMULADA
ACUMULADO
PROPORC.
LQUIDA
DA PREST.
DA PREST.
CORRIGIDO
PAGAMENTO
PAGAMENTO
PAGAMENTO
PAGAMENTO
10
1A
4A
1B
4B
VALOR
PRESENTE
NO
CORRIGIDO
DA PREST.
VALOR
%JUROS
DCV % ( 4A )
266
267
268
269
270
271
272
273
274
275
276
277
278
279
280
281
282
283
284
285
286
287
288
289
290
291
292
293
294
295
296
297
298
299
300
MPI
DFI
SC
FCVS
TS
PMT
JUROS DO
--------------
PRINCIPAL
PRINCIPAL
PRINCIPAL
JUROS DO
AMORTIZ.
DEVIDO NO
DEVIDO
DEVIDO
SALDO
VALOR
MENSAL DO
CORRIGIDO
CORRIGIDO
CORRIGIDO
DEVEDOR
PRESENTE
PRESENTE
PRINCIPAL
ANTES DE
ANTES DE
ANTES DE
APS
% ( 4A )
DCV
SIMPLES
PREST.
CORRIGIDO
CORRIGIDO
NO
EFETUADO O
EFETUADO O
EFETUADO O
EFETUADO O
ACUMULADA
ACUMULADO
PROPORC.
LQUIDA
DA PREST.
DA PREST.
CORRIGIDO
PAGAMENTO
PAGAMENTO
PAGAMENTO
PAGAMENTO
10
1A
4A
1B
4B
VALOR
PRESENTE
NO
CORRIGIDO
DA PREST.
VALOR
%JUROS
DCV % ( 4A )
301
302
303
304
305
306
307
308
309
310
311
312
313
314
315
316
317
318
319
320
321
322
323
324
325
326
327
328
329
330
331
332
333
334
335
MPI
DFI
SC
FCVS
TS
PMT
JUROS DO
--------------
PRINCIPAL
PRINCIPAL
PRINCIPAL
JUROS DO
AMORTIZ.
DEVIDO NO
DEVIDO
DEVIDO
SALDO
VALOR
MENSAL DO
CORRIGIDO
CORRIGIDO
CORRIGIDO
DEVEDOR
PRESENTE
PRESENTE
PRINCIPAL
ANTES DE
ANTES DE
ANTES DE
APS
% ( 4A )
DCV
SIMPLES
PREST.
CORRIGIDO
CORRIGIDO
NO
EFETUADO O
EFETUADO O
EFETUADO O
EFETUADO O
ACUMULADA
ACUMULADO
PROPORC.
LQUIDA
DA PREST.
DA PREST.
CORRIGIDO
PAGAMENTO
PAGAMENTO
PAGAMENTO
PAGAMENTO
10
1A
4A
1B
4B
VALOR
PRESENTE
NO
CORRIGIDO
DA PREST.
VALOR
%JUROS
DCV % ( 4A )
336
337
338
339
340
341
342
343
344
345
346
347
348
349
350
351
352
353
354
355
356
357
358
359
360
MPI
DFI
SC
FCVS
TS
PMT
JUROS DO
--------------
PRINCIPAL
PRINCIPAL
PRINCIPAL
JUROS DO
AMORTIZ.
DEVIDO NO
DEVIDO
DEVIDO
SALDO
VALOR
MENSAL DO
CORRIGIDO
CORRIGIDO
CORRIGIDO
DEVEDOR
PRESENTE
PRESENTE
PRINCIPAL
ANTES DE
ANTES DE
ANTES DE
APS
% ( 4A )
DCV
SIMPLES
PREST.
CORRIGIDO
CORRIGIDO
NO
EFETUADO O
EFETUADO O
EFETUADO O
EFETUADO O
ACUMULADA
ACUMULADO
PROPORC.
LQUIDA
DA PREST.
DA PREST.
CORRIGIDO
PAGAMENTO
PAGAMENTO
PAGAMENTO
PAGAMENTO
Totalizao ( Juros Simples )
+
+
+
+
+
694,226.18
-196,427.12
497,799.06
497,799.06
Valor Financiado
200,000.00
297,799.06
694,226.18

41,848.99
7,316.54
31,875.06

0.00
3,950.12
779,216.89
779,216.89
-196,427.12
Total a Prazo
582,789.77
Total a Prazo
582,789.77
Valor Financiado
200,000.00
Acrscimo Total
382,789.77
DEVOLUO ( correo monetria dos valores pagos sem necessidade )
Deseja ARREDONDAR na memria do computador em duas casas decimais os valores

atualizados acumulados calculados a cada ms ? :
NO
Introduza o NMERO da linha da relao abaixo onde deseja
que o clculo de atualizao seja concludo :
Para facilitar a observao do Quadro de Atualizao a seguir, no

deixe de preencher os campos abaixo relativos ao incio da correo
monetria.
Digite o Nmero do ms ( 1. linha do Quadro de Atualizao ) :

Digite o Ano ( 1. linha do Quadro de Atualizao ) :
1
2000

%CM : Porcentagem de Correo Monetria
DCV
%CM
VALOR A ATUALIZAR
TOTAL CORRIGIDO ACUM.
1 ------
------
0.00
0.00
1 2000
0.0000
0.00
0.00
0.0000
0.00
0.00
0.0000
0.00
0.00
0.0000
0.00
0.00
0.0000
0.00
0.0000
0.00
0.0000
0.00
0.0000
0.00
10
0.0000
0.00
11
0.0000
0.00
12
0.0000
0.00
13
0.0000
0.00
14
0.0000
0.00
15
0.0000
0.00
16
0.0000
0.00
17
0.0000
0.00
18
0.0000
0.00
19
0.0000
0.00
20
0.0000
0.00
21
0.0000
0.00
22
0.0000
0.00
23
0.0000
0.00
DCV
%CM
VALOR A ATUALIZAR
24
0.0000
0.00
25
0.0000
0.00
26
0.0000
0.00
27
0.0000
0.00
28
0.0000
0.00
29
0.0000
0.00
30
0.0000
0.00
31
0.0000
0.00
32
0.0000
0.00
33
0.0000
0.00
34
0.0000
0.00
35
0.0000
0.00
36
0.0000
0.00
37
0.0000
0.00
38
0.0000
0.00
39
0.0000
0.00
40
0.0000
0.00
41
0.0000
0.00
42
0.0000
0.00
43
0.0000
0.00
44
0.0000
0.00
45
0.0000
0.00
46
0.0000
0.00
47
0.0000
0.00
48
0.0000
0.00
49
0.0000
0.00
50
0.0000
0.00
51
0.0000
0.00
52
0.0000
0.00
53
0.0000
0.00
54
0.0000
0.00
55
0.0000
0.00
56
0.0000
0.00
57
0.0000
0.00
58
0.0000
0.00
59
0.0000
0.00
60
0.0000
0.00
61
0.0000
0.00
62
0.0000
0.00
63
0.0000
0.00
64
0.0000
0.00
65
0.0000
0.00
66
0.0000
0.00
67
0.0000
0.00
68
0.0000
0.00
69
0.0000
0.00
70
0.0000
0.00
DCV
%CM
VALOR A ATUALIZAR
71
0.0000
0.00
72
0.0000
0.00
73
0.0000
0.00
74
0.0000
0.00
75
0.0000
0.00
76
0.0000
0.00
77
0.0000
0.00
78
0.0000
0.00
79
0.0000
0.00
80
0.0000
0.00
81
0.0000
0.00
82
0.0000
0.00
83
0.0000
0.00
84
0.0000
0.00
85
0.0000
0.00
86
0.0000
0.00
87
0.0000
0.00
88
0.0000
0.00
89
0.0000
0.00
90
0.0000
0.00
91
0.0000
0.00
92
0.0000
0.00
93
0.0000
0.00
94
0.0000
0.00
95
0.0000
0.00
96
0.0000
0.00
97
0.0000
0.00
98
0.0000
0.00
99
0.0000
0.00
100
0.0000
0.00
101
0.0000
0.00
102
0.0000
0.00
103
0.0000
0.00
104
0.0000
0.00
105
0.0000
0.00
106
0.0000
0.00
107
0.0000
0.00
108
0.0000
0.00
109
0.0000
0.00
110
0.0000
0.00
111
0.0000
0.00
112
0.0000
0.00
113
0.0000
0.00
114
0.0000
0.00
115
0.0000
0.00
116
0.0000
0.00
117
0.0000
0.00
DCV
%CM
VALOR A ATUALIZAR
118
0.0000
0.00
119
0.0000
0.00
120
0.0000
0.00
121
0.0000
0.00
122
0.0000
0.00
123
0.0000
0.00
124
0.0000
0.00
125
0.0000
0.00
126
0.0000
0.00
127
0.0000
0.00
128
0.0000
0.00
129
0.0000
0.00
130
0.0000
0.00
131
0.0000
0.00
132
0.0000
0.00
133
0.0000
0.00
134
0.0000
0.00
135
0.0000
0.00
136
0.0000
0.00
137
0.0000
0.00
138
0.0000
0.00
139
0.0000
0.00
140
0.0000
0.00
141
0.0000
0.00
142
0.0000
0.00
143
0.0000
0.00
144
0.0000
0.00
145
0.0000
0.00
146
0.0000
0.00
147
0.0000
0.00
148
0.0000
0.00
149
0.0000
0.00
150
0.0000
0.00
151
0.0000
0.00
152
0.0000
0.00
153
0.0000
0.00
154
0.0000
0.00
155
0.0000
0.00
156
0.0000
0.00
157
0.0000
0.00
158
0.0000
0.00
159
0.0000
0.00
160
0.0000
0.00
161
0.0000
0.00
162
0.0000
0.00
163
0.0000
0.00
164
0.0000
0.00
DCV
%CM
VALOR A ATUALIZAR
165
0.0000
0.00
166
0.0000
0.00
167
0.0000
0.00
168
0.0000
0.00
169
0.0000
0.00
170
0.0000
0.00
171
0.0000
0.00
172
0.0000
0.00
173
0.0000
0.00
174
0.0000
0.00
175
0.0000
0.00
176
0.0000
0.00
177
0.0000
0.00
178
0.0000
0.00
179
0.0000
0.00
180
0.0000
0.00
181
0.0000
0.00
182
0.0000
0.00
183
0.0000
0.00
184
0.0000
0.00
185
0.0000
0.00
186
0.0000
0.00
187
0.0000
0.00
188
0.0000
0.00
189
0.0000
0.00
190
0.0000
0.00
191
0.0000
0.00
192
0.0000
0.00
193
0.0000
0.00
194
0.0000
0.00
195
0.0000
0.00
196
0.0000
0.00
197
0.0000
0.00
198
0.0000
0.00
199
0.0000
0.00
200
0.0000
0.00
201
0.0000
0.00
202
0.0000
0.00
203
0.0000
0.00
204
0.0000
0.00
205
0.0000
0.00
206
0.0000
0.00
207
0.0000
0.00
208
0.0000
0.00
209
0.0000
0.00
210
0.0000
0.00
211
0.0000
0.00
DCV
%CM
VALOR A ATUALIZAR
212
0.0000
0.00
213
0.0000
0.00
214
0.0000
0.00
215
0.0000
0.00
216
0.0000
0.00
217
0.0000
0.00
218
0.0000
0.00
219
0.0000
0.00
220
0.0000
0.00
221
0.0000
0.00
222
0.0000
0.00
223
0.0000
0.00
224
0.0000
0.00
225
0.0000
0.00
226
0.0000
0.00
227
0.0000
0.00
228
0.0000
0.00
229
0.0000
0.00
230
0.0000
0.00
231
0.0000
0.00
232
0.0000
0.00
233
0.0000
0.00
234
0.0000
0.00
235
0.0000
0.00
236
0.0000
0.00
237
0.0000
0.00
238
0.0000
0.00
239
0.0000
0.00
240
0.0000
0.00
241
0.0000
0.00
242
0.0000
0.00
243
0.0000
0.00
244
0.0000
0.00
245
0.0000
0.00
246
0.0000
0.00
247
0.0000
0.00
248
0.0000
0.00
249
0.0000
0.00
250
0.0000
0.00
251
0.0000
0.00
252
0.0000
0.00
253
0.0000
0.00
254
0.0000
0.00
255
0.0000
0.00
256
0.0000
0.00
257
0.0000
0.00
258
0.0000
0.00
DCV
%CM
VALOR A ATUALIZAR
259
0.0000
0.00
260
0.0000
0.00
261
0.0000
0.00
262
0.0000
0.00
263
0.0000
0.00
264
0.0000
0.00
265
0.0000
0.00
266
0.0000
0.00
267
0.0000
0.00
268
0.0000
0.00
269
0.0000
0.00
270
0.0000
0.00
271
0.0000
0.00
272
0.0000
0.00
273
0.0000
0.00
274
0.0000
0.00
275
0.0000
0.00
276
0.0000
0.00
277
0.0000
0.00
278
0.0000
0.00
279
0.0000
0.00
280
0.0000
0.00
281
0.0000
0.00
282
0.0000
0.00
283
0.0000
0.00
284
0.0000
0.00
285
0.0000
0.00
286
0.0000
0.00
287
0.0000
0.00
288
0.0000
0.00
289
0.0000
0.00
290
0.0000
0.00
291
0.0000
0.00
292
0.0000
0.00
293
0.0000
0.00
294
0.0000
0.00
295
0.0000
0.00
296
0.0000
0.00
297
0.0000
0.00
298
0.0000
0.00
299
0.0000
0.00
300
0.0000
0.00
301
0.0000
0.00
302
0.0000
0.00
303
0.0000
0.00
304
0.0000
0.00
305
0.0000
0.00
DCV
%CM
VALOR A ATUALIZAR
306
0.0000
0.00
307
0.0000
0.00
308
0.0000
0.00
309
0.0000
0.00
310
0.0000
0.00
311
0.0000
0.00
312
0.0000
0.00
313
0.0000
0.00
314
0.0000
0.00
315
0.0000
0.00
316
0.0000
0.00
317
0.0000
0.00
318
0.0000
0.00
319
0.0000
0.00
320
0.0000
0.00
321
0.0000
0.00
322
0.0000
0.00
323
0.0000
0.00
324
0.0000
0.00
325
0.0000
0.00
326
0.0000
0.00
327
0.0000
0.00
328
0.0000
0.00
329
0.0000
0.00
330
0.0000
0.00
331
0.0000
0.00
332
0.0000
0.00
333
0.0000
0.00
334
0.0000
0.00
335
0.0000
0.00
336
0.0000
0.00
337
0.0000
0.00
338
0.0000
0.00
339
0.0000
0.00
340
0.0000
0.00
341
0.0000
0.00
342
0.0000
0.00
343
0.0000
0.00
344
0.0000
0.00
345
0.0000
0.00
346
0.0000
0.00
347
0.0000
0.00
348
0.0000
0.00
349
0.0000
0.00
350
0.0000
0.00
351
0.0000
0.00
352
0.0000
0.00
DCV
%CM
VALOR A ATUALIZAR
353
0.0000
0.00
354
0.0000
0.00
355
0.0000
0.00
356
0.0000
0.00
357
0.0000
0.00
358
0.0000
0.00
359
0.0000
0.00
360
0.0000
0.00
Mudana de Moedas desde 1970
A MOEDA CRUZEIRO ENTROU EM VIGOR EM 15 DE MAIO DE 1970
MUDANA DE CRUZEIROS PARA CRUZADOS EM 28 DE FEVEREIRO DE 1986

1.000 CRUZEIROS = 1 CRUZADO ( Cr$ 1.000,00 = Cz$ 1,00 )
Presidente: Jos Sarney
MUDANA DE CRUZADOS PARA CRUZADOS NOVOS EM 16 DE JANEIRO DE 1989

1.000 CRUZADOS = 1 CRUZADO NOVO ( Cz$ 1.000,00 = NCz$ 1,00 )
Presidente: Jos Sarney
MUDANA DE CRUZADOS NOVOS PARA CRUZEIROS EM 16 DE MARO DE 1990

1 CRUZADO NOVO = 1 CRUZEIRO ( NCz$ 1,00 = Cr$ 1,00 )
Presidente: Fernando Collor de Melo
MUDANA DE CRUZEIROS PARA CRUZEIROS REAIS EM 1 DE AGOSTO DE 1993

1.000 CRUZEIROS = 1 CRUZEIRO REAL ( Cr$ 1.000,00 = CR$ 1,00 )
Presidente: Fernando Henrique Cardoso
MUDANA DE CRUZEIROS REAIS PARA REAIS EM 1 DE JULHO DE 1994

2.750 CRUZEIROS REAIS = 1 REAL ( CR$ 2.750,00 = R$ 1,00 )
Presidente: Fernando Henrique Cardoso
Observao sobre JUROS NO CAPITALIZADOS
ATENO :
=>
QUANDO SE DESEJA REDUZIR O SALDO DEVEDOR EM

O MTODO BASEADO NA LEI 4.380/64 . ESTE
FINANCIAMENTOS, COSTUMA-SE UTILIZAR
MTODO CONSISTE EM DIMINUIR O SALDO DEVE-
DOR BASEADO EM UMA CONVENO. QUANDO O OBJETIVO A NO CAPITALIZAO DE JUROS,

O MESMO NO TEM BASE MATEMTICA. QUANDO NO ASSOCIADO AO TEMA, O MTODO NO
PRECISA TER BASE MATEMTICA PORQUE APENAS UMA CONVENO ADOTADA PARA REDUZIR O
SALDO. EXISTEM ENTENDIMENTOS NOS DOIS SENTIDOS, OU SEJA, DE QUE O ARTIGO 6. DA LEI 4.380/64
EXIBE UM MTODO PARA A NO APLICAO DE JUROS SOBRE JUROS
E OUTRO ENTENDIMENTO DE
QUE APENAS UM ARTIFCIO PARA DIMINUIR, EM EXEMPLO, UMA ENORME DVIDA SEM CABIMENTO AOS
PRINCPIOS DO SFH.
ALM DISSO, O MTODO NO RELATADO DE FORMA CLARA GERANDO TRS INTERPRETAES DE
CONSTRUO DO QUADRO DE AMORTIZAO.
NO EXISTE UMA INTERPRETAO MAIS OU
MENOS UTILIZADA. TODAS DEPENDEM DA TICA DO
PROFISSIONAL RESPONSVEL PELA DECISO JUDICIAL.

ANTES DE EXPOR AS TRS INTERPRETAES, DEVE-SE MENCIONAR
QUE APARECER O TERMO
" VALOR DA PRESTAO CORRIGIDA ", SIGNIFICANDO A PRESTAO ATUALIZADA PARA O MS DE

PAGAMENTO, QUE EM UM EXEMPLO ONDE OCORRA O PLANO DE EQUIVALNCIA SALARIAL ( PES ),
SIGNIFICA A LTIMA CORREO EFETUADA, NO IMPORTANDO SE OCORRIDA A MESES.
Lei 4.380/64 , artigo 6. , alnea "c" :

c) ao menos parte do financiamento, ou do preo a ser pago, seja amortizado em prestaes
mensais sucessivas, de igual valor, antes do reajustamento, que incluam amortizaes e juros;
1. INTERPRETAO :
REALIZA-SE A CORREO DO SALDO. POR FIM, COLOCA-SE OS JUROS DO MS NO MESMO ( SALDO ).
2. INTERPRETAO :
3. INTERPRETAO :
COLOCA-SE OS JUROS DO MS NO SALDO DEVEDOR E DEPOIS RETIRA-SE O VALOR DA PRESTAO
CORRIGIDA. SOMENTE AO FINAL REALIZADA A CORREO DO SALDO DEVEDOR.
NESTA PLANILHA POSSVEL REALIZAR OS CLCULOS PELAS TRS INTERPRETAES.
QUANDO A INTENO DE NO CAPITALIZAR JUROS, EXISTE UM MTODO MATEMATICAMENTE CORRETO, PORM NO EXISTE NENHUMA LEI DETALHADAMENTE ASSOCIADA A ESTA FORMA DE CLCULO.
DEVE SER INFORMADO QUE O MTODO BASEADO NA LEI 4.380/64 ( QUAISQUER INTERPRETAES ),
EM CERTOS CASOS, MAIS VANTAJOSO PARA O MUTURIO EM TERMOS DE REDUO DO SALDO
DEVEDOR
OU AT DEVOLUO DE DINHEIRO PAGO A MAIS . ISTO DEPENDE DAS VARIVEIS DE
CADA CASO,
PORTANTO NO UMA REGRA. NESTE PACOTE DE PLANILHAS PODE-SE REALIZAR A
MONTAGEM DOS QUADROS PELOS DOIS MTODOS, TANTO PELO MTODO DO ART. 6. DA LEI 4.380/64
COMO PELO MTODO MATEMATICAMENTE CORRETO.
CASO RESULTE SER MAIS FAVORVEL PELO MTODO MATEMATICAMENTE CORRETO, IMPORTANTE
DIZER QUE APESAR DE NO POSSUIR DETALHADAMENTE RESPALDO LEGAL , A CAPITALIZAO DE
JUROS TOTALMENTE E CORRETAMENTE EXPURGADA ( OBJETIVO DA LEI DA USURA - DECRETO
22.626/33 - ART. 4.) . COMO ESPECIALISTA TCNICO DEVO DIZER O QUE MATEMATICAMENTE CORRETO
E O QUE EQUIVOCADO.
IMPORTANTE RELEMBRAR QUE QUANDO O MTODO DA LEI 4.380/64
UTILIZADO SOMENTE PARA DIMINUIR O SALDO DEVEDOR, SEM LEVAR EM CONTA O TEMA " CAPITALIZAO DE JUROS ", NO EXISTE RAZO PARA JULGAMENTOS SOBRE A NATUREZA DOS CLCULOS, POIS O
OBJETIVO NO SERIA O DA NO APLICAO DE JUROS SOBRE JUROS E SIM O DE APENAS
REDUZIR UM SALDO QUE SE TORNOU ELEVADO EM DEMASIA ( PRINCIPALMENTE QUANDO ASSOCIADO O
O TEMA 3. INTERPRETAO QUE INCREMENTA OS JUROS ANTES DO PAGAMENTO.
SOBRE A PR DETERMINAO DO VALOR DAS PRESTAES IGUAIS :
=>
PRIMEIRAMENTE NECESSRIO DIZER QUE PARA A APURAO DO SALDO DEVEDOR A PARTIR

DAS PRESTAES PAGAS, NO NECESSRIO CALCULAR O VALOR DAS MESMAS ( O SISTEMA
QUE AS GEROU NO RELEVANTE ). O IMPORTANTE A METODOLOGIA DO QUADRO DE AMORTIZAO QUE IR GERAR OS SALDOS DEVEDORES MS A MS DE ACORDO COM AS PRESTAES J
PAGAS.
PARA FACILITAR O ENTENDIMENTO, LEIA AS INFORMAES ABAIXO :
PELO MTODO DA LEI 4.380-64 , INTERPRETAES 1. E 2., POSSVEL APENAS
REALIZAR A
MONTAGEM DO QUADRO DE AMORTIZAO, SENDO IMPOSSVEL CALCULAR COM BASE MATEMTICA

( CONCEITUAL ) O
VALOR DAS PRESTAES SOB ESSA TICA . COMO O
MTODO
NASCEU
DE UMA CONVENO, A PREDETERMINAO COM BASE TERICA DO VALOR DAS PRESTAES QUE
QUE QUITAM O FINANCIAMENTO AO FINAL DO PRAZO IMPOSSVEL, SENDO POSSVEL SOMENTE POR
TENTATIVAS.
PELO MTODO DA LEI, INTERPRETAO 3., POSSVEL REALIZAR A MONTAGEM DO QUADRO DE
AMORTIZAO E O CLCULO DAS PRESTAES QUE EFETUADO EM JUROS COMPOSTOS ( SISTEMA PRICE, SAC, ETC ). SUPONDO O CLCULO PELOS DOS SISTEMAS PRICE, SAC OU SAM E INEXISTNCIA DE CORREO MONETRIA,
AO FINAL DO PRAZO.
AO APLICAR-SE A 3. INTERPRETAO,
O SALDO SERIA ZERO
PORM, COMO EXISTE A CORREO DEFASADA DO SALDO, O MESMO NO
ACOMPANHAR A LGICA DA EQUAO.
PELO MTODO MATEMATICAMENTE CORRETO ( MTODO EM JUROS SIMPLES ), PODE-SE

MINAR COM SLIDA BASE TERICA O VALOR DAS PRESTAES .
PREDETER-
), PODE-SE
PREDETER-
NESTA VERSO DEMONSTRATIVA AS VARIAES MENSAIS ESTO FIXADAS EM 0,01%
Var.% de Correo Monetria dos Indexadores da Poupana desde JUL - 70

Fonte : Banco Central
TANTO O BANCO CENTRAL COMO OS RGOS DE DEFESA DO CONSUMIDOR CONCORDAM QUE QUANDO DEVE-SE CORRIGIR OS SALDOS
DEVEDORES DE FINAN-
CIAMENTOS HABITACIONAIS, UTILIZA-SE AS VARIAES

NETRIA DOS INDEXADORES USADOS
COMO REFERNCIA
DE CORREO MOPARA O
CLCULO
DOS RENDIMENTOS DA POUPANA. A PRINCPIO NO ADEQUADO UTILIZAR

AS VARIAES CALCULADAS A PARTIR DE CADA RENDIMENTO DIVULGADO.
SE
DESEJAR
VISUALIZAR
AS
VARIAES CALCULADAS,
SELECIONE
SEO: " Var.% C. Monet. CALC. da Poup." .

ATENO: AS VARIAES
DESTA SEO
NO CONTM EXPURGOS OU INCRE-
MENTOS A PARTIR DE DECISES JUDICIAIS.
MS
%CM
3M
4M
6M
Jul-70
0.0000
Aug-70
0.0000
A Caderneta de Poupana
Sep-70
0.0100
possuiu variao trimes-
Oct-70
0.0000
tral de forma contnua at
AS VARIAES
Nov-70
Dec-70
0.0000
junho de 1983.
REFEREM-SE AOS LTIMOS 3, 4, 6 E
Jan-71
0.0000
Feb-71
0.0000
Mar-71
0.0100
Apr-71
0.0000
May-71
0.0000
MESES
MESES
MESES
Jun-71
0.0100
0.01
0.02
0.02
Jul-71
0.0000
0.01
0.01
0.02
Aug-71
0.0000
0.01
0.01
0.02
Sep-71
0.0100
0.01
0.02
0.02
Oct-71
0.0000
0.01
0.01
0.02
Nov-71
0.0000
0.01
0.01
0.02
Dec-71
0.0100
0.01
0.02
0.02
Jan-72
0.0000
0.01
0.01
0.02
Feb-72
0.0000
0.01
0.01
0.02
Mar-72
0.0100
0.01
0.02
0.02
Apr-72
0.0000
0.01
0.01
0.02
May-72
0.0000
0.01
0.01
0.02
Jun-72
0.0100
0.01
0.02
0.02
Jul-72
0.0000
0.01
0.01
0.02
Aug-72
0.0000
0.01
0.01
0.02
Sep-72
0.0100
0.01
0.02
0.02
Oct-72
0.0000
0.01
0.01
0.02
Nov-72
0.0000
0.01
0.01
0.02
Dec-72
0.0100
0.01
0.02
0.02
Jan-73
0.0000
0.01
0.01
0.02
Feb-73
0.0000
0.01
0.01
0.02
0.0100
VARIAO ACUMULADA (%)
ACUMULADAS
ABAIXO
12 MESES.
MS
%CM
3M
4M
6M
Mar-73
0.0100
0.01 VARIAO
0.02ACUMULADA
0.02 (%)
Apr-73
0.0000
0.01
0.01
0.02
May-73
0.0000
0.01
0.01
0.02
Jun-73
0.0100
0.01
0.02
0.02
Jul-73
0.0000
0.01
0.01
0.02
Aug-73
0.0000
0.01
0.01
0.02
Sep-73
0.0100
0.01
0.02
0.02
Oct-73
0.0000
0.01
0.01
0.02
Nov-73
0.0000
0.01
0.01
0.02
Dec-73
0.0100
0.01
0.02
0.02
Jan-74
0.0000
0.01
0.01
0.02
Feb-74
0.0000
0.01
0.01
0.02
Mar-74
0.0100
0.01
0.02
0.02
Apr-74
0.0000
0.01
0.01
0.02
May-74
0.0000
0.01
0.01
0.02
Jun-74
0.0100
0.01
0.02
0.02
Jul-74
0.0000
0.01
0.01
0.02
Aug-74
0.0000
0.01
0.01
0.02
Sep-74
0.0100
0.01
0.02
0.02
Oct-74
0.0000
0.01
0.01
0.02
Nov-74
0.0000
0.01
0.01
0.02
Dec-74
0.0100
0.01
0.02
0.02
Jan-75
0.0000
0.01
0.01
0.02
Feb-75
0.0000
0.01
0.01
0.02
Mar-75
0.0100
0.01
0.02
0.02
Apr-75
0.0000
0.01
0.01
0.02
May-75
0.0000
0.01
0.01
0.02
Jun-75
0.0100
0.01
0.02
0.02
Jul-75
0.0000
0.01
0.01
0.02
Aug-75
0.0000
0.01
0.01
0.02
Sep-75
0.0100
0.01
0.02
0.02
Oct-75
0.0000
0.01
0.01
0.02
Nov-75
0.0000
0.01
0.01
0.02
Dec-75
0.0100
0.01
0.02
0.02
Jan-76
0.0000
0.01
0.01
0.02
Feb-76
0.0000
0.01
0.01
0.02
Mar-76
0.0100
0.01
0.02
0.02
Apr-76
0.0000
0.01
0.01
0.02
May-76
0.0000
0.01
0.01
0.02
Jun-76
0.0100
0.01
0.02
0.02
Jul-76
0.0000
0.01
0.01
0.02
Aug-76
0.0000
0.01
0.01
0.02
Sep-76
0.0100
0.01
0.02
0.02
Oct-76
0.0000
0.01
0.01
0.02
Nov-76
0.0000
0.01
0.01
0.02
Dec-76
0.0100
0.01
0.02
0.02
Jan-77
0.0000
0.01
0.01
0.02
MS
%CM
3M
4M
6M
Feb-77
0.0000
0.01 VARIAO
0.01ACUMULADA
0.02 (%)
Mar-77
0.0100
0.01
0.02
0.02
Apr-77
0.0000
0.01
0.01
0.02
May-77
0.0000
0.01
0.01
0.02
Jun-77
0.0100
0.01
0.02
0.02
Jul-77
0.0000
0.01
0.01
0.02
Aug-77
0.0000
0.01
0.01
0.02
Sep-77
0.0100
0.01
0.02
0.02
Oct-77
0.0000
0.01
0.01
0.02
Nov-77
0.0000
0.01
0.01
0.02
Dec-77
0.0100
0.01
0.02
0.02
Jan-78
0.0000
0.01
0.01
0.02
Feb-78
0.0000
0.01
0.01
0.02
Mar-78
0.0100
0.01
0.02
0.02
Apr-78
0.0000
0.01
0.01
0.02
May-78
0.0000
0.01
0.01
0.02
Jun-78
0.0100
0.01
0.02
0.02
Jul-78
0.0000
0.01
0.01
0.02
Aug-78
0.0000
0.01
0.01
0.02
Sep-78
0.0100
0.01
0.02
0.02
Oct-78
0.0000
0.01
0.01
0.02
Nov-78
0.0000
0.01
0.01
0.02
Dec-78
0.0100
0.01
0.02
0.02
Jan-79
0.0000
0.01
0.01
0.02
Feb-79
0.0000
0.01
0.01
0.02
Mar-79
0.0100
0.01
0.02
0.02
Apr-79
0.0000
0.01
0.01
0.02
May-79
0.0000
0.01
0.01
0.02
Jun-79
0.0100
0.01
0.02
0.02
Jul-79
0.0000
0.01
0.01
0.02
Aug-79
0.0000
0.01
0.01
0.02
Sep-79
0.0100
0.01
0.02
0.02
Oct-79
0.0000
0.01
0.01
0.02
Nov-79
0.0000
0.01
0.01
0.02
Dec-79
0.0100
0.01
0.02
0.02
Jan-80
0.0000
0.01
0.01
0.02
Feb-80
0.0000
0.01
0.01
0.02
Mar-80
0.0100
0.01
0.02
0.02
Apr-80
0.0000
0.01
0.01
0.02
May-80
0.0000
0.01
0.01
0.02
Jun-80
0.0100
0.01
0.02
0.02
Jul-80
0.0000
0.01
0.01
0.02
Aug-80
0.0000
0.01
0.01
0.02
Sep-80
0.0100
0.01
0.02
0.02
Oct-80
0.0000
0.01
0.01
0.02
Nov-80
0.0000
0.01
0.01
0.02
Dec-80
0.0100
0.01
0.02
0.02
MS
%CM
3M
4M
6M
Jan-81
0.0000
0.01 VARIAO
0.01ACUMULADA
0.02 (%)
Feb-81
0.0000
0.01
0.01
0.02
Mar-81
0.0100
0.01
0.02
0.02
Apr-81
0.0000
0.01
0.01
0.02
May-81
0.0000
0.01
0.01
0.02
Jun-81
0.0100
0.01
0.02
0.02
Jul-81
0.0000
0.01
0.01
0.02
Aug-81
0.0000
0.01
0.01
0.02
Sep-81
0.0100
0.01
0.02
0.02
Oct-81
0.0000
0.01
0.01
0.02
Nov-81
0.0000
0.01
0.01
0.02
Dec-81
0.0100
0.01
0.02
0.02
Jan-82
0.0000
0.01
0.01
0.02
Feb-82
0.0000
0.01
0.01
0.02
Mar-82
0.0100
0.01
0.02
0.02
Apr-82
0.0000
0.01
0.01
0.02
May-82
0.0000
0.01
0.01
0.02
Jun-82
0.0100
0.01
0.02
0.02
Jul-82
0.0000
0.01
0.01
0.02
Aug-82
0.0000
0.01
0.01
0.02
Sep-82
0.0100
0.01
0.02
0.02
Oct-82
0.0000
0.01
0.01
0.02
Nov-82
0.0000
0.01
0.01
0.02
Dec-82
0.0100
0.01
0.02
0.02
Jan-83
0.0000
0.01
0.01
0.02
Feb-83
0.0000
0.01
0.01
0.02
Mar-83
0.0100
0.01
0.02
0.02
Apr-83
0.0000
0.01
0.01
0.02
May-83
0.0000
0.01
0.01
0.02
Jun-83
0.0100
0.01
0.02
0.02
Jul-83
0.0100
0.02
0.02
0.03
Aug-83
0.0100
0.03
0.03
0.04
Sep-83
0.0100
0.03
0.04
0.04
Oct-83
0.0100
0.03
0.04
0.05
Nov-83
0.0100
0.03
0.04
0.06
Dec-83
0.0100
0.03
0.04
0.06
Jan-84
0.0100
0.03
0.04
0.06
Feb-84
0.0100
0.03
0.04
0.06
Mar-84
0.0100
0.03
0.04
0.06
Apr-84
0.0100
0.03
0.04
0.06
May-84
0.0100
0.03
0.04
0.06
Jun-84
0.0100
0.03
0.04
0.06
Jul-84
0.0100
0.03
0.04
0.06
Aug-84
0.0100
0.03
0.04
0.06
Sep-84
0.0100
0.03
0.04
0.06
Oct-84
0.0100
0.03
0.04
0.06
Nov-84
0.0100
0.03
0.04
0.06
MS
%CM
3M
4M
6M
Dec-84
0.0100
0.03 VARIAO
0.04ACUMULADA
0.06 (%)
Jan-85
0.0100
0.03
0.04
0.06
Feb-85
0.0100
0.03
0.04
0.06
Mar-85
0.0100
0.03
0.04
0.06
Apr-85
0.0100
0.03
0.04
0.06
May-85
0.0100
0.03
0.04
0.06
Jun-85
0.0100
0.03
0.04
0.06
Jul-85
0.0100
0.03
0.04
0.06
Aug-85
0.0100
0.03
0.04
0.06
Sep-85
0.0100
0.03
0.04
0.06
Oct-85
0.0100
0.03
0.04
0.06
Nov-85
0.0100
0.03
0.04
0.06
Dec-85
0.0100
0.03
0.04
0.06
Jan-86
0.0100
0.03
0.04
0.06
Feb-86
0.0100
0.03
0.04
0.06
Mar-86
0.0100
0.03
0.04
0.06
Apr-86
May-86
0.0100 A
0.03
0.04
0.06
0.0100
A Caderneta de Poupana
0.03
0.04
0.06
Jun-86
0.0100
possuiu durante a poca
0.03
0.04
0.06
Jul-86
Aug-86
0.0100 B
indicada pelas fases
0.03
0.04
0.06
0.0100
esquerda A, B e C, rendi-
0.03
0.04
0.06
Sep-86
0.0100
mento trimestral.
0.03
0.04
0.06
Oct-86
0.0100 C
0.03
0.04
0.06
Nov-86
0.0100
0.03
0.04
0.06
Dec-86
0.0100
0.03
0.04
0.06
Jan-87
0.0100
0.03
0.04
0.06
Feb-87
0.0100
0.03
0.04
0.06
Mar-87
0.0100
0.03
0.04
0.06
Apr-87
0.0100
0.03
0.04
0.06
May-87
0.0100
0.03
0.04
0.06
Jun-87
0.0100
0.03
0.04
0.06
Jul-87
0.0100
0.03
0.04
0.06
Aug-87
0.0100
0.03
0.04
0.06
Sep-87
0.0100
0.03
0.04
0.06
Oct-87
0.0100
0.03
0.04
0.06
Nov-87
0.0100
0.03
0.04
0.06
Dec-87
0.0100
0.03
0.04
0.06
Jan-88
0.0100
0.03
0.04
0.06
Feb-88
0.0100
0.03
0.04
0.06
Mar-88
0.0100
0.03
0.04
0.06
Apr-88
0.0100
0.03
0.04
0.06
May-88
0.0100
0.03
0.04
0.06
Jun-88
0.0100
0.03
0.04
0.06
Jul-88
0.0100
0.03
0.04
0.06
Aug-88
0.0100
0.03
0.04
0.06
Sep-88
0.0100
0.03
0.04
0.06
Oct-88
0.0100
0.03
0.04
0.06
MS
%CM
3M
4M
6M
Nov-88
0.0100
0.03 VARIAO
0.04ACUMULADA
0.06 (%)
Dec-88
0.0100
0.03
0.04
0.06
Jan-89
0.0100
0.03
0.04
0.06
Feb-89
0.0100
0.03
0.04
0.06
Mar-89
0.0100
0.03
0.04
0.06
Apr-89
0.0100
0.03
0.04
0.06
May-89
0.0100
0.03
0.04
0.06
Jun-89
0.0100
0.03
0.04
0.06
Jul-89
0.0100
0.03
0.04
0.06
Aug-89
0.0100
0.03
0.04
0.06
Sep-89
0.0100
0.03
0.04
0.06
Oct-89
0.0100
0.03
0.04
0.06
Nov-89
0.0100
0.03
0.04
0.06
Dec-89
0.0100
0.03
0.04
0.06
Jan-90
0.0100
0.03
0.04
0.06
Feb-90
0.0100
0.03
0.04
0.06
Mar-90
0.0100
0.03
0.04
0.06
Apr-90
0.0100
0.03
0.04
0.06
May-90
0.0100
0.03
0.04
0.06
Jun-90
0.0100
0.03
0.04
0.06
Jul-90
0.0100
0.03
0.04
0.06
Aug-90
0.0100
0.03
0.04
0.06
Sep-90
0.0100
0.03
0.04
0.06
Oct-90
0.0100
0.03
0.04
0.06
Nov-90
0.0100
0.03
0.04
0.06
Dec-90
Jan-91
0.0100
0.03
0.04
0.06
0.0100
0.03
0.04
0.06
Feb-91
0.0100
0.03
0.04
0.06
Mar-91
0.0100
0.03
0.04
0.06
Apr-91
0.0100
0.03
0.04
0.06
May-91
0.0100
0.03
0.04
0.06
Jun-91
0.0100
0.03
0.04
0.06
Jul-91
0.0100
0.03
0.04
0.06
Aug-91
0.0100
0.03
0.04
0.06
Sep-91
0.0100
0.03
0.04
0.06
Oct-91
0.0100
0.03
0.04
0.06
Nov-91
0.0100
0.03
0.04
0.06
Dec-91
0.0100
0.03
0.04
0.06
Jan-92
0.0100
0.03
0.04
0.06
Feb-92
0.0100
0.03
0.04
0.06
Mar-92
0.0100
0.03
0.04
0.06
Apr-92
0.0100
0.03
0.04
0.06
May-92
0.0100
0.03
0.04
0.06
Jun-92
0.0100
0.03
0.04
0.06
Jul-92
0.0100
0.03
0.04
0.06
Aug-92
0.0100
0.03
0.04
0.06
Sep-92
0.0100
0.03
0.04
0.06
MS
%CM
3M
4M
6M
Oct-92
0.0100
0.03 VARIAO
0.04ACUMULADA
0.06 (%)
Nov-92
0.0100
0.03
0.04
0.06
Dec-92
0.0100
0.03
0.04
0.06
Jan-93
0.0100
0.03
0.04
0.06
Feb-93
0.0100
0.03
0.04
0.06
Mar-93
0.0100
0.03
0.04
0.06
Apr-93
0.0100
0.03
0.04
0.06
May-93
0.0100
0.03
0.04
0.06
Jun-93
0.0100
0.03
0.04
0.06
Jul-93
0.0100
0.03
0.04
0.06
Aug-93
0.0100
0.03
0.04
0.06
Sep-93
0.0100
0.03
0.04
0.06
Oct-93
0.0100
0.03
0.04
0.06
Nov-93
0.0100
0.03
0.04
0.06
Dec-93
0.0100
0.03
0.04
0.06
Jan-94
0.0100
0.03
0.04
0.06
Feb-94
0.0100
0.03
0.04
0.06
Mar-94
0.0100
0.03
0.04
0.06
Apr-94
0.0100
0.03
0.04
0.06
May-94
0.0100
0.03
0.04
0.06
Jun-94
0.0100
0.03
0.04
0.06
Jul-94
0.0100
0.03
0.04
0.06
Aug-94
0.0100
0.03
0.04
0.06
Sep-94
0.0100
0.03
0.04
0.06
Oct-94
0.0100
0.03
0.04
0.06
Nov-94
0.0100
0.03
0.04
0.06
Dec-94
0.0100
0.03
0.04
0.06
Jan-95
0.0100
0.03
0.04
0.06
Feb-95
0.0100
0.03
0.04
0.06
Mar-95
0.0100
0.03
0.04
0.06
Apr-95
0.0100
0.03
0.04
0.06
May-95
0.0100
0.03
0.04
0.06
Jun-95
0.0100
0.03
0.04
0.06
Jul-95
0.0100
0.03
0.04
0.06
Aug-95
0.0100
0.03
0.04
0.06
Sep-95
0.0100
0.03
0.04
0.06
Oct-95
0.0100
0.03
0.04
0.06
Nov-95
0.0100
0.03
0.04
0.06
Dec-95
0.0100
0.03
0.04
0.06
Jan-96
0.0100
0.03
0.04
0.06
Feb-96
0.0100
0.03
0.04
0.06
Mar-96
0.0100
0.03
0.04
0.06
Apr-96
0.0100
0.03
0.04
0.06
May-96
0.0100
0.03
0.04
0.06
Jun-96
0.0100
0.03
0.04
0.06
Jul-96
0.0100
0.03
0.04
0.06
Aug-96
0.0100
0.03
0.04
0.06
MS
%CM
3M
4M
6M
Sep-96
0.0100
0.03 VARIAO
0.04ACUMULADA
0.06 (%)
Oct-96
0.0100
0.03
0.04
0.06
Nov-96
0.0100
0.03
0.04
0.06
Dec-96
0.0100
0.03
0.04
0.06
Jan-97
0.0100
0.03
0.04
0.06
Feb-97
0.0100
0.03
0.04
0.06
Mar-97
0.0100
0.03
0.04
0.06
Apr-97
0.0100
0.03
0.04
0.06
May-97
0.0100
0.03
0.04
0.06
Jun-97
0.0100
0.03
0.04
0.06
Jul-97
0.0100
0.03
0.04
0.06
Aug-97
0.0100
0.03
0.04
0.06
Sep-97
0.0100
0.03
0.04
0.06
Oct-97
0.0100
0.03
0.04
0.06
Nov-97
0.0100
0.03
0.04
0.06
Dec-97
0.0100
0.03
0.04
0.06
Jan-98
0.0100
0.03
0.04
0.06
Feb-98
0.0100
0.03
0.04
0.06
Mar-98
0.0100
0.03
0.04
0.06
Apr-98
0.0100
0.03
0.04
0.06
May-98
0.0100
0.03
0.04
0.06
Jun-98
0.0100
0.03
0.04
0.06
Jul-98
0.0100
0.03
0.04
0.06
Aug-98
0.0100
0.03
0.04
0.06
Sep-98
0.0100
0.03
0.04
0.06
Oct-98
0.0100
0.03
0.04
0.06
Nov-98
0.0100
0.03
0.04
0.06
Dec-98
0.0100
0.03
0.04
0.06
Jan-99
0.0100
0.03
0.04
0.06
Feb-99
0.0100
0.03
0.04
0.06
Mar-99
0.0100
0.03
0.04
0.06
Apr-99
0.0100
0.03
0.04
0.06
May-99
0.0100
0.03
0.04
0.06
Jun-99
0.0100
0.03
0.04
0.06
Jul-99
0.0100
0.03
0.04
0.06
Aug-99
0.0100
0.03
0.04
0.06
Sep-99
0.0100
0.03
0.04
0.06
Oct-99
0.0100
0.03
0.04
0.06
Nov-99
0.0100
0.03
0.04
0.06
Dec-99
0.0100
0.03
0.04
0.06
Jan-00
0.0100
0.03
0.04
0.06
Feb-00
0.0100
0.03
0.04
0.06
Mar-00
0.0100
0.03
0.04
0.06
Apr-00
0.0100
0.03
0.04
0.06
May-00
0.0100
0.03
0.04
0.06
Jun-00
0.0100
0.03
0.04
0.06
Jul-00
0.0100
0.03
0.04
0.06
MS
%CM
3M
4M
6M
Aug-00
0.0100
0.03 VARIAO
0.04ACUMULADA
0.06 (%)
Sep-00
0.0100
0.03
0.04
0.06
Oct-00
0.0100
0.03
0.04
0.06
Nov-00
0.0100
0.03
0.04
0.06
Dec-00
0.0100
0.03
0.04
0.06
Jan-01
0.0100
0.03
0.04
0.06
Feb-01
0.0100
0.03
0.04
0.06
Mar-01
0.0100
0.03
0.04
0.06
Apr-01
0.0100
0.03
0.04
0.06
May-01
0.0100
0.03
0.04
0.06
Jun-01
0.0100
0.03
0.04
0.06
Jul-01
0.0100
0.03
0.04
0.06
Aug-01
0.0100
0.03
0.04
0.06
Sep-01
0.0100
0.03
0.04
0.06
Oct-01
0.0100
0.03
0.04
0.06
Nov-01
0.0100
0.03
0.04
0.06
Dec-01
0.0100
0.03
0.04
0.06
Jan-02
0.0100
0.03
0.04
0.06
Feb-02
0.0100
0.03
0.04
0.06
Mar-02
0.0100
0.03
0.04
0.06
Apr-02
0.0100
0.03
0.04
0.06
May-02
0.0100
0.03
0.04
0.06
Jun-02
0.0100
0.03
0.04
0.06
Jul-02
0.0100
0.03
0.04
0.06
Aug-02
0.0100
0.03
0.04
0.06
Sep-02
0.0100
0.03
0.04
0.06
Oct-02
0.0100
0.03
0.04
0.06
Nov-02
0.0100
0.03
0.04
0.06
Dec-02
0.0100
0.03
0.04
0.06
Jan-03
0.0100
0.03
0.04
0.06
Feb-03
0.0100
0.03
0.04
0.06
Mar-03
0.0100
0.03
0.04
0.06
Apr-03
0.0100
0.03
0.04
0.06
May-03
0.0100
0.03
0.04
0.06
Jun-03
0.0100
0.03
0.04
0.06
Jul-03
0.0100
0.03
0.04
0.06
Aug-03
0.0100
0.03
0.04
0.06
Sep-03
0.0100
0.03
0.04
0.06
Oct-03
0.0100
0.03
0.04
0.06
Nov-03
0.0100
0.03
0.04
0.06
Dec-03
0.0100
0.03
0.04
0.06
Jan-04
0.0100
0.03
0.04
0.06
Feb-04
0.0100
0.03
0.04
0.06
Mar-04
0.0100
0.03
0.04
0.06
Apr-04
May-04
Jun-04
MS
Jul-04
Aug-04
Sep-04
Oct-04
Nov-04
Dec-04
Jan-05
Feb-05
Mar-05
Apr-05
May-05
Jun-05
Jul-05
Aug-05
Sep-05
Oct-05
Nov-05
Dec-05
Jan-06
Feb-06
Mar-06
Apr-06
May-06
Jun-06
Jul-06
Aug-06
Sep-06
Oct-06
Nov-06
Dec-06
Jan-07
Feb-07
Mar-07
Apr-07
May-07
Jun-07
Jul-07
Aug-07
Sep-07
Oct-07
Nov-07
Dec-07
Jan-08
Feb-08
Mar-08
Apr-08
May-08
%CM
3M
4M
6M
MS
Jun-08
Jul-08
Aug-08
Sep-08
Oct-08
Nov-08
Dec-08
Jan-09
Feb-09
Mar-09
Apr-09
May-09
Jun-09
Jul-09
Aug-09
Sep-09
Oct-09
Nov-09
Dec-09
Jan-10
Feb-10
Mar-10
Apr-10
May-10
Jun-10
Jul-10
Aug-10
Sep-10
Oct-10
Nov-10
Dec-10
Jan-11
Feb-11
Mar-11
Apr-11
May-11
Jun-11
Jul-11
Aug-11
Sep-11
Oct-11
Nov-11
Dec-11
Jan-12
Feb-12
Mar-12
Apr-12
%CM
3M
4M
6M
MS
May-12
Jun-12
Jul-12
Aug-12
Sep-12
Oct-12
Nov-12
Dec-12
Jan-13
Feb-13
Mar-13
Apr-13
May-13
Jun-13
Jul-13
Aug-13
Sep-13
Oct-13
Nov-13
Dec-13
Jan-14
Feb-14
Mar-14
Apr-14
May-14
Jun-14
Jul-14
Aug-14
Sep-14
Oct-14
Nov-14
Dec-14
Jan-15
Feb-15
Mar-15
Apr-15
May-15
Jun-15
Jul-15
Aug-15
Sep-15
Oct-15
Nov-15
Dec-15
%CM
3M
4M
6M
12M
ES
ACUMULADAS
ABAIXO
SE AOS LTIMOS 3, 4, 6 E
12
MESES
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
12M
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
12M
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
12M
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.05
0.06
0.06
0.07
0.08
0.08
0.09
0.10
0.10
0.11
0.12
0.12
0.12
0.12
0.12
0.12
0.12
12M
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
12M
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
12M
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
12M
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
12M
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
12M
12M
12M
TR - Diria _ 1 - 28 desde FEV - 91

Fonte : Banco Central
EXEMPLO :
CASO DESEJAR CORRIGIR O VALOR DE UM PAGAMENTO VENCIDO NO DIA 12/10/1991, UTILIZAR A TR DO DIA 12/09/1991.
FEV
MAR
ABR
MAI
JUN
JUL
AGO
SET
OUT
NOV
DEZ
JAN
FEV
MAR
ABR
MAI
JUN
JUL
AGO
SET
OUT
NOV
DEZ
JAN
FEV
MAR
ABR
MAI
JUN
JUL
AGO
SET
OUT
NOV
DEZ
1991
1991
1991
1991
1991
1991
1991
1991
1991
1991
1991
1992
1992
1992
1992
1992
1992
1992
1992
1992
1992
1992
1992
1993
1993
1993
1993
1993
1993
1993
1993
1993
1993
1993
1993
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
JAN
FEV
MAR
ABR
MAI
JUN
JUL
AGO
SET
OUT
NOV
DEZ
JAN
FEV
MAR
ABR
MAI
JUN
JUL
AGO
SET
OUT
NOV
DEZ
JAN
FEV
MAR
ABR
MAI
JUN
JUL
AGO
SET
OUT
NOV
DEZ
JAN
FEV
MAR
ABR
MAI
JUN
JUL
AGO
1994
1994
1994
1994
1994
1994
1994
1994
1994
1994
1994
1994
1995
1995
1995
1995
1995
1995
1995
1995
1995
1995
1995
1995
1996
1996
1996
1996
1996
1996
1996
1996
1996
1996
1996
1996
1997
1997
1997
1997
1997
1997
1997
1997
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
SET
OUT
NOV
DEZ
JAN
FEV
MAR
ABR
MAI
JUN
JUL
AGO
SET
OUT
NOV
DEZ
JAN
FEV
MAR
ABR
MAI
JUN
JUL
AGO
SET
OUT
NOV
DEZ
JAN
FEV
MAR
ABR
MAI
JUN
JUL
AGO
SET
OUT
NOV
DEZ
JAN
FEV
MAR
ABR
1997
1997
1997
1997
1998
1998
1998
1998
1998
1998
1998
1998
1998
1998
1998
1998
1999
1999
1999
1999
1999
1999
1999
1999
1999
1999
1999
1999
2000
2000
2000
2000
2000
2000
2000
2000
2000
2000
2000
2000
2001
2001
2001
2001
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
MAI
JUN
JUL
AGO
SET
OUT
NOV
DEZ
JAN
FEV
MAR
ABR
MAI
JUN
JUL
AGO
SET
OUT
NOV
DEZ
JAN
FEV
MAR
ABR
MAI
JUN
JUL
AGO
SET
OUT
NOV
DEZ
JAN
FEV
MAR
ABR
MAI
JUN
JUL
AGO
SET
OUT
NOV
DEZ
2001
2001
2001
2001
2001
2001
2001
2001
2002
2002
2002
2002
2002
2002
2002
2002
2002
2002
2002
2002
2003
2003
2003
2003
2003
2003
2003
2003
2003
2003
2003
2003
2004
2004
2004
2004
2004
2004
2004
2004
2004
2004
2004
2004
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
JAN
FEV
MAR
ABR
MAI
JUN
JUL
AGO
SET
OUT
NOV
DEZ
JAN
FEV
MAR
ABR
MAI
JUN
JUL
AGO
SET
OUT
NOV
DEZ
JAN
FEV
MAR
ABR
MAI
JUN
JUL
AGO
SET
OUT
NOV
DEZ
JAN
FEV
MAR
ABR
MAI
JUN
JUL
AGO
SET
OUT
NOV
DEZ
JAN
2005
2005
2005
2005
2005
2005
2005
2005
2005
2005
2005
2005
2006
2006
2006
2006
2006
2006
2006
2006
2006
2006
2006
2006
2007
2007
2007
2007
2007
2007
2007
2007
2007
2007
2007
2007
2008
2008
2008
2008
2008
2008
2008
2008
2008
2008
2008
2008
2009
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
FEV
MAR
ABR
MAI
JUN
JUL
AGO
SET
OUT
NOV
DEZ
JAN
FEV
MAR
ABR
MAI
JUN
JUL
AGO
SET
OUT
NOV
DEZ
JAN
FEV
MAR
ABR
MAI
JUN
JUL
AGO
SET
OUT
NOV
DEZ
JAN
FEV
MAR
ABR
MAI
JUN
JUL
AGO
SET
OUT
NOV
DEZ
JAN
FEV
2009
2009
2009
2009
2009
2009
2009
2009
2009
2009
2009
2010
2010
2010
2010
2010
2010
2010
2010
2010
2010
2010
2010
2011
2011
2011
2011
2011
2011
2011
2011
2011
2011
2011
2011
2012
2012
2012
2012
2012
2012
2012
2012
2012
2012
2012
2012
2013
2013
MAR
ABR
MAI
JUN
JUL
AGO
SET
OUT
NOV
DEZ
JAN
FEV
MAR
ABR
MAI
JUN
JUL
AGO
SET
OUT
NOV
DEZ
JAN
FEV
MAR
ABR
MAI
JUN
JUL
AGO
SET
OUT
NOV
DEZ
2013
2013
2013
2013
2013
2013
2013
2013
2013
2013
2014
2014
2014
2014
2014
2014
2014
2014
2014
2014
2014
2014
2015
2015
2015
2015
2015
2015
2015
2015
2015
2015
2015
2015
TR DO DIA 12/09/1991.
10
11
12
13
14
15
16
17
18
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
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0.0100
0.0100
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0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
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0.0100
0.0100
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0.0100
0.0100
0.0100
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0.0100
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0.0100
0.0100
0.0100
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0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
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0.0100
0.0100
0.0100
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0.0100
0.0100
0.0100
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0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
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0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
0.0100
Var.% do Indexador de Correo Monetria para os Financiamentos Habitacionais

com recursos do Fundo de Garantia por Tempo de Servio desde JUN - 91 at
SET - 95 ( em seguida utiliza-se a TR " MENSAL " ).
Fonte : Caixa Econmica Federal
ESTA SRIE ESPECFICA PARA HABITAO, PORTANTO NO CONTM OS JUROS

UTILIZADOS PARA A DETERMINAO
DOS
RENDIMENTOS
MENSAIS DAS CONTAS
VINCULADAS AO FGTS (DESTA FORMA, UTILIZE APENAS EM HABITAO).
MS
%CM
3M
4M
6M
12M
Jun-91
0.0100
Jul-91
0.0100
Aug-91
0.0100
Sep-91
0.0100
AS VARIAES
Oct-91
0.0100
Nov-91
0.0100
12 MESES.
Dec-91
0.0100
Jan-92
0.0100
Feb-92
0.0100
Mar-92
0.0100
12
Apr-92
0.0100
MESES
MESES
MESES
MESES
May-92
0.0100
0.03
0.04
0.06
0.12
Jun-92
0.0100
0.03
0.04
0.06
0.12
Jul-92
0.0100
0.03
0.04
0.06
0.12
Aug-92
0.0100
0.03
0.04
0.06
0.12
Sep-92
0.0100
0.03
0.04
0.06
0.12
Oct-92
0.0100
0.03
0.04
0.06
0.12
Nov-92
0.0100
0.03
0.04
0.06
0.12
Dec-92
0.0100
0.03
0.04
0.06
0.12
Jan-93
0.0100
0.03
0.04
0.06
0.12
Feb-93
0.0100
0.03
0.04
0.06
0.12
Mar-93
0.0100
0.03
0.04
0.06
0.12
Apr-93
0.0100
0.03
0.04
0.06
0.12
May-93
0.0100
0.03
0.04
0.06
0.12
Jun-93
0.0100
0.03
0.04
0.06
0.12
Jul-93
0.0100
0.03
0.04
0.06
0.12
Aug-93
0.0100
0.03
0.04
0.06
0.12
Sep-93
0.0100
0.03
0.04
0.06
0.12
Oct-93
0.0100
0.03
0.04
0.06
0.12
Nov-93
0.0100
0.03
0.04
0.06
0.12
Dec-93
0.0100
0.03
0.04
0.06
0.12
Jan-94
0.0100
0.03
0.04
0.06
0.12
Feb-94
0.0100
0.03
0.04
0.06
0.12
Mar-94
0.0100
0.03
0.04
0.06
0.12
Apr-94
0.0100
0.03
0.04
0.06
0.12
May-94
0.0100
0.03
0.04
0.06
0.12
Jun-94
0.0100
0.03
0.04
0.06
0.12
ACUMULADAS
ABAIXO
MS
%CM
3M
4M
6M
12M
Jul-94
0.0100
0.03 VARIAO
0.04ACUMULADA
0.06 (%)
Aug-94
0.0100
0.03
0.04
0.06
0.12
Sep-94
0.0100
0.03
0.04
0.06
0.12
Oct-94
0.0100
0.03
0.04
0.06
0.12
Nov-94
0.0100
0.03
0.04
0.06
0.12
Dec-94
0.0100
0.03
0.04
0.06
0.12
Jan-95
0.0100
0.03
0.04
0.06
0.12
Feb-95
0.0100
0.03
0.04
0.06
0.12
Mar-95
0.0100
0.03
0.04
0.06
0.12
Apr-95
0.0100
0.03
0.04
0.06
0.12
May-95
0.0100
0.03
0.04
0.06
0.12
Jun-95
0.0100
0.03
0.04
0.06
0.12
Jul-95
0.0100
0.03
0.04
0.06
0.12
Aug-95
0.0100
0.03
0.04
0.06
0.12
Sep-95
0.0100
0.03
0.04
0.06
0.12
0.12
TR
A PARTIR DE OUT - 95 A TR " MENSAL " COMEOU A SER UTILIZADA .
A TR " MENSAL " CHAMADA DE TR, O INDEXADOR DOS FINANCIAMENTOS-FGTS A PARTIR
DE OUT - 95 AT O MOMENTO.
AS TRs ESTO CONTIDAS NA SEO :
" Var.% dos Indexadores da Poup."
Var.% do INPC ( NDICE NACIONAL DE PREOS AO CONSUMIDOR - IBGE ) desde ABR - 79

Fonte : IBGE
MS
%CM
3M
4M
6M
12M
Apr-79
0.01
May-79
0.01
Jun-79
0.01
Jul-79
0.01
AS VARIAES
Aug-79
0.01
Sep-79
0.01
12 MESES.
Oct-79
0.01
Nov-79
0.01
Dec-79
0.01
Jan-80
0.01
12
Feb-80
0.01
MESES
MESES
MESES
MESES
Mar-80
0.01
0.03
0.04
0.06
0.12
Apr-80
0.01
0.03
0.04
0.06
0.12
May-80
0.01
0.03
0.04
0.06
0.12
Jun-80
0.01
0.03
0.04
0.06
0.12
Jul-80
0.01
0.03
0.04
0.06
0.12
Aug-80
0.01
0.03
0.04
0.06
0.12
Sep-80
0.01
0.03
0.04
0.06
0.12
Oct-80
0.01
0.03
0.04
0.06
0.12
Nov-80
0.01
0.03
0.04
0.06
0.12
Dec-80
0.01
0.03
0.04
0.06
0.12
Jan-81
0.01
0.03
0.04
0.06
0.12
Feb-81
0.01
0.03
0.04
0.06
0.12
Mar-81
0.01
0.03
0.04
0.06
0.12
Apr-81
0.01
0.03
0.04
0.06
0.12
May-81
0.01
0.03
0.04
0.06
0.12
Jun-81
0.01
0.03
0.04
0.06
0.12
Jul-81
0.01
0.03
0.04
0.06
0.12
Aug-81
0.01
0.03
0.04
0.06
0.12
Sep-81
0.01
0.03
0.04
0.06
0.12
Oct-81
0.01
0.03
0.04
0.06
0.12
Nov-81
0.01
0.03
0.04
0.06
0.12
Dec-81
0.01
0.03
0.04
0.06
0.12
Jan-82
0.01
0.03
0.04
0.06
0.12
Feb-82
0.01
0.03
0.04
0.06
0.12
Mar-82
0.01
0.03
0.04
0.06
0.12
Apr-82
0.01
0.03
0.04
0.06
0.12
May-82
0.01
0.03
0.04
0.06
0.12
Jun-82
0.01
0.03
0.04
0.06
0.12
Jul-82
0.01
0.03
0.04
0.06
0.12
Aug-82
0.01
0.03
0.04
0.06
0.12
ACUMULADAS
ABAIXO
MS
%CM
3M
4M
6M
12M
Sep-82
0.01
0.03 VARIAO
0.04ACUMULADA
0.06 (%)
Oct-82
0.01
0.03
0.04
0.06
0.12
Nov-82
0.01
0.03
0.04
0.06
0.12
Dec-82
0.01
0.03
0.04
0.06
0.12
Jan-83
0.01
0.03
0.04
0.06
0.12
Feb-83
0.01
0.03
0.04
0.06
0.12
Mar-83
0.01
0.03
0.04
0.06
0.12
Apr-83
0.01
0.03
0.04
0.06
0.12
May-83
0.01
0.03
0.04
0.06
0.12
Jun-83
0.01
0.03
0.04
0.06
0.12
Jul-83
0.01
0.03
0.04
0.06
0.12
Aug-83
0.01
0.03
0.04
0.06
0.12
Sep-83
0.01
0.03
0.04
0.06
0.12
Oct-83
0.01
0.03
0.04
0.06
0.12
Nov-83
0.01
0.03
0.04
0.06
0.12
Dec-83
0.01
0.03
0.04
0.06
0.12
Jan-84
0.01
0.03
0.04
0.06
0.12
Feb-84
0.01
0.03
0.04
0.06
0.12
Mar-84
0.01
0.03
0.04
0.06
0.12
Apr-84
0.01
0.03
0.04
0.06
0.12
May-84
0.01
0.03
0.04
0.06
0.12
Jun-84
0.01
0.03
0.04
0.06
0.12
Jul-84
0.01
0.03
0.04
0.06
0.12
Aug-84
0.01
0.03
0.04
0.06
0.12
Sep-84
0.01
0.03
0.04
0.06
0.12
Oct-84
0.01
0.03
0.04
0.06
0.12
Nov-84
0.01
0.03
0.04
0.06
0.12
Dec-84
0.01
0.03
0.04
0.06
0.12
Jan-85
0.01
0.03
0.04
0.06
0.12
Feb-85
0.01
0.03
0.04
0.06
0.12
Mar-85
0.01
0.03
0.04
0.06
0.12
Apr-85
0.01
0.03
0.04
0.06
0.12
May-85
0.01
0.03
0.04
0.06
0.12
Jun-85
0.01
0.03
0.04
0.06
0.12
Jul-85
0.01
0.03
0.04
0.06
0.12
Aug-85
0.01
0.03
0.04
0.06
0.12
Sep-85
0.01
0.03
0.04
0.06
0.12
Oct-85
0.01
0.03
0.04
0.06
0.12
Nov-85
0.01
0.03
0.04
0.06
0.12
Dec-85
0.01
0.03
0.04
0.06
0.12
Jan-86
0.01
0.03
0.04
0.06
0.12
Feb-86
0.01
0.03
0.04
0.06
0.12
Mar-86
0.01
0.03
0.04
0.06
0.12
Apr-86
0.01
0.03
0.04
0.06
0.12
May-86
0.01
0.03
0.04
0.06
0.12
Jun-86
0.01
0.03
0.04
0.06
0.12
Jul-86
0.01
0.03
0.04
0.06
0.12
0.12
MS
%CM
3M
4M
6M
12M
Aug-86
0.01
0.03 VARIAO
0.04ACUMULADA
0.06 (%)
Sep-86
0.01
0.03
0.04
0.06
0.12
Oct-86
0.01
0.03
0.04
0.06
0.12
Nov-86
0.01
0.03
0.04
0.06
0.12
Dec-86
0.01
0.03
0.04
0.06
0.12
Jan-87
0.01
0.03
0.04
0.06
0.12
Feb-87
0.01
0.03
0.04
0.06
0.12
Mar-87
0.01
0.03
0.04
0.06
0.12
Apr-87
0.01
0.03
0.04
0.06
0.12
May-87
0.01
0.03
0.04
0.06
0.12
Jun-87
0.01
0.03
0.04
0.06
0.12
Jul-87
0.01
0.03
0.04
0.06
0.12
Aug-87
0.01
0.03
0.04
0.06
0.12
Sep-87
0.01
0.03
0.04
0.06
0.12
Oct-87
0.01
0.03
0.04
0.06
0.12
Nov-87
0.01
0.03
0.04
0.06
0.12
Dec-87
0.01
0.03
0.04
0.06
0.12
Jan-88
0.01
0.03
0.04
0.06
0.12
Feb-88
0.01
0.03
0.04
0.06
0.12
Mar-88
0.01
0.03
0.04
0.06
0.12
Apr-88
0.01
0.03
0.04
0.06
0.12
May-88
0.01
0.03
0.04
0.06
0.12
Jun-88
0.01
0.03
0.04
0.06
0.12
Jul-88
0.01
0.03
0.04
0.06
0.12
Aug-88
0.01
0.03
0.04
0.06
0.12
Sep-88
0.01
0.03
0.04
0.06
0.12
Oct-88
0.01
0.03
0.04
0.06
0.12
Nov-88
0.01
0.03
0.04
0.06
0.12
Dec-88
0.01
0.03
0.04
0.06
0.12
Jan-89
0.01
0.03
0.04
0.06
0.12
Feb-89
0.01
0.03
0.04
0.06
0.12
Mar-89
0.01
0.03
0.04
0.06
0.12
Apr-89
0.01
0.03
0.04
0.06
0.12
May-89
0.01
0.03
0.04
0.06
0.12
Jun-89
0.01
0.03
0.04
0.06
0.12
Jul-89
0.01
0.03
0.04
0.06
0.12
Aug-89
0.01
0.03
0.04
0.06
0.12
Sep-89
0.01
0.03
0.04
0.06
0.12
Oct-89
0.01
0.03
0.04
0.06
0.12
Nov-89
0.01
0.03
0.04
0.06
0.12
Dec-89
0.01
0.03
0.04
0.06
0.12
Jan-90
0.01
0.03
0.04
0.06
0.12
Feb-90
0.01
0.03
0.04
0.06
0.12
Mar-90
0.01
0.03
0.04
0.06
0.12
Apr-90
0.01
0.03
0.04
0.06
0.12
May-90
0.01
0.03
0.04
0.06
0.12
Jun-90
0.01
0.03
0.04
0.06
0.12
0.12
MS
%CM
3M
4M
6M
12M
Jul-90
0.01
0.03 VARIAO
0.04ACUMULADA
0.06 (%)
Aug-90
0.01
0.03
0.04
0.06
0.12
Sep-90
0.01
0.03
0.04
0.06
0.12
Oct-90
0.01
0.03
0.04
0.06
0.12
Nov-90
0.01
0.03
0.04
0.06
0.12
Dec-90
0.01
0.03
0.04
0.06
0.12
Jan-91
0.01
0.03
0.04
0.06
0.12
Feb-91
0.01
0.03
0.04
0.06
0.12
Mar-91
0.01
0.03
0.04
0.06
0.12
Apr-91
0.01
0.03
0.04
0.06
0.12
May-91
0.01
0.03
0.04
0.06
0.12
Jun-91
0.01
0.03
0.04
0.06
0.12
Jul-91
0.01
0.03
0.04
0.06
0.12
Aug-91
0.01
0.03
0.04
0.06
0.12
Sep-91
0.01
0.03
0.04
0.06
0.12
Oct-91
0.01
0.03
0.04
0.06
0.12
Nov-91
0.01
0.03
0.04
0.06
0.12
Dec-91
0.01
0.03
0.04
0.06
0.12
Jan-92
0.01
0.03
0.04
0.06
0.12
Feb-92
0.01
0.03
0.04
0.06
0.12
Mar-92
0.01
0.03
0.04
0.06
0.12
Apr-92
0.01
0.03
0.04
0.06
0.12
May-92
0.01
0.03
0.04
0.06
0.12
Jun-92
0.01
0.03
0.04
0.06
0.12
Jul-92
0.01
0.03
0.04
0.06
0.12
Aug-92
0.01
0.03
0.04
0.06
0.12
Sep-92
0.01
0.03
0.04
0.06
0.12
Oct-92
0.01
0.03
0.04
0.06
0.12
Nov-92
0.01
0.03
0.04
0.06
0.12
Dec-92
0.01
0.03
0.04
0.06
0.12
Jan-93
0.01
0.03
0.04
0.06
0.12
Feb-93
0.01
0.03
0.04
0.06
0.12
Mar-93
0.01
0.03
0.04
0.06
0.12
Apr-93
0.01
0.03
0.04
0.06
0.12
May-93
0.01
0.03
0.04
0.06
0.12
Jun-93
0.01
0.03
0.04
0.06
0.12
Jul-93
0.01
0.03
0.04
0.06
0.12
Aug-93
0.01
0.03
0.04
0.06
0.12
Sep-93
0.01
0.03
0.04
0.06
0.12
Oct-93
0.01
0.03
0.04
0.06
0.12
Nov-93
0.01
0.03
0.04
0.06
0.12
Dec-93
0.01
0.03
0.04
0.06
0.12
Jan-94
0.01
0.03
0.04
0.06
0.12
Feb-94
0.01
0.03
0.04
0.06
0.12
Mar-94
0.01
0.03
0.04
0.06
0.12
Apr-94
0.01
0.03
0.04
0.06
0.12
May-94
0.01
0.03
0.04
0.06
0.12
0.12
MS
%CM
3M
4M
6M
12M
Jun-94
0.01
0.03 VARIAO
0.04ACUMULADA
0.06 (%)
Jul-94
0.01
0.03
0.04
0.06
0.12
Aug-94
0.01
0.03
0.04
0.06
0.12
Sep-94
0.01
0.03
0.04
0.06
0.12
Oct-94
0.01
0.03
0.04
0.06
0.12
Nov-94
0.01
0.03
0.04
0.06
0.12
Dec-94
0.01
0.03
0.04
0.06
0.12
Jan-95
0.01
0.03
0.04
0.06
0.12
Feb-95
0.01
0.03
0.04
0.06
0.12
Mar-95
0.01
0.03
0.04
0.06
0.12
Apr-95
0.01
0.03
0.04
0.06
0.12
May-95
0.01
0.03
0.04
0.06
0.12
Jun-95
0.01
0.03
0.04
0.06
0.12
Jul-95
0.01
0.03
0.04
0.06
0.12
Aug-95
0.01
0.03
0.04
0.06
0.12
Sep-95
0.01
0.03
0.04
0.06
0.12
Oct-95
0.01
0.03
0.04
0.06
0.12
Nov-95
0.01
0.03
0.04
0.06
0.12
Dec-95
0.01
0.03
0.04
0.06
0.12
Jan-96
0.01
0.03
0.04
0.06
0.12
Feb-96
0.01
0.03
0.04
0.06
0.12
Mar-96
0.01
0.03
0.04
0.06
0.12
Apr-96
0.01
0.03
0.04
0.06
0.12
May-96
0.01
0.03
0.04
0.06
0.12
Jun-96
0.01
0.03
0.04
0.06
0.12
Jul-96
0.01
0.03
0.04
0.06
0.12
Aug-96
0.01
0.03
0.04
0.06
0.12
Sep-96
0.01
0.03
0.04
0.06
0.12
Oct-96
0.01
0.03
0.04
0.06
0.12
Nov-96
0.01
0.03
0.04
0.06
0.12
Dec-96
0.01
0.03
0.04
0.06
0.12
Jan-97
0.01
0.03
0.04
0.06
0.12
Feb-97
0.01
0.03
0.04
0.06
0.12
Mar-97
0.01
0.03
0.04
0.06
0.12
Apr-97
0.01
0.03
0.04
0.06
0.12
May-97
0.01
0.03
0.04
0.06
0.12
Jun-97
0.01
0.03
0.04
0.06
0.12
Jul-97
0.01
0.03
0.04
0.06
0.12
Aug-97
0.01
0.03
0.04
0.06
0.12
Sep-97
0.01
0.03
0.04
0.06
0.12
Oct-97
0.01
0.03
0.04
0.06
0.12
Nov-97
0.01
0.03
0.04
0.06
0.12
Dec-97
0.01
0.03
0.04
0.06
0.12
Jan-98
0.01
0.03
0.04
0.06
0.12
Feb-98
0.01
0.03
0.04
0.06
0.12
Mar-98
0.01
0.03
0.04
0.06
0.12
Apr-98
0.01
0.03
0.04
0.06
0.12
0.12
MS
%CM
3M
4M
6M
12M
May-98
0.01
0.03 VARIAO
0.04ACUMULADA
0.06 (%)
Jun-98
0.01
0.03
0.04
0.06
0.12
Jul-98
0.01
0.03
0.04
0.06
0.12
Aug-98
0.01
0.03
0.04
0.06
0.12
Sep-98
0.01
0.03
0.04
0.06
0.12
Oct-98
0.01
0.03
0.04
0.06
0.12
Nov-98
0.01
0.03
0.04
0.06
0.12
Dec-98
0.01
0.03
0.04
0.06
0.12
Jan-99
0.01
0.03
0.04
0.06
0.12
Feb-99
0.01
0.03
0.04
0.06
0.12
Mar-99
0.01
0.03
0.04
0.06
0.12
Apr-99
0.01
0.03
0.04
0.06
0.12
May-99
0.01
0.03
0.04
0.06
0.12
Jun-99
0.01
0.03
0.04
0.06
0.12
Jul-99
0.01
0.03
0.04
0.06
0.12
Aug-99
0.01
0.03
0.04
0.06
0.12
Sep-99
0.01
0.03
0.04
0.06
0.12
Oct-99
0.01
0.03
0.04
0.06
0.12
Nov-99
0.01
0.03
0.04
0.06
0.12
Dec-99
0.01
0.03
0.04
0.06
0.12
Jan-00
0.01
0.03
0.04
0.06
0.12
Feb-00
0.01
0.03
0.04
0.06
0.12
Mar-00
0.01
0.03
0.04
0.06
0.12
Apr-00
0.01
0.03
0.04
0.06
0.12
May-00
0.01
0.03
0.04
0.06
0.12
Jun-00
0.01
0.03
0.04
0.06
0.12
Jul-00
0.01
0.03
0.04
0.06
0.12
Aug-00
0.01
0.03
0.04
0.06
0.12
Sep-00
0.01
0.03
0.04
0.06
0.12
Oct-00
0.01
0.03
0.04
0.06
0.12
Nov-00
0.01
0.03
0.04
0.06
0.12
Dec-00
0.01
0.03
0.04
0.06
0.12
Jan-01
0.01
0.03
0.04
0.06
0.12
Feb-01
0.01
0.03
0.04
0.06
0.12
Mar-01
0.01
0.03
0.04
0.06
0.12
Apr-01
0.01
0.03
0.04
0.06
0.12
May-01
0.01
0.03
0.04
0.06
0.12
Jun-01
0.01
0.03
0.04
0.06
0.12
Jul-01
0.01
0.03
0.04
0.06
0.12
Aug-01
0.01
0.03
0.04
0.06
0.12
Sep-01
0.01
0.03
0.04
0.06
0.12
Oct-01
0.01
0.03
0.04
0.06
0.12
Nov-01
0.01
0.03
0.04
0.06
0.12
Dec-01
0.01
0.03
0.04
0.06
0.12
Jan-02
0.01
0.03
0.04
0.06
0.12
Feb-02
0.01
0.03
0.04
0.06
0.12
Mar-02
0.01
0.03
0.04
0.06
0.12
0.12
MS
%CM
3M
4M
6M
12M
Apr-02
0.01
0.03 VARIAO
0.04ACUMULADA
0.06 (%)
May-02
0.01
0.03
0.04
0.06
0.12
Jun-02
0.01
0.03
0.04
0.06
0.12
Jul-02
0.01
0.03
0.04
0.06
0.12
Aug-02
0.01
0.03
0.04
0.06
0.12
Sep-02
0.01
0.03
0.04
0.06
0.12
Oct-02
0.01
0.03
0.04
0.06
0.12
Nov-02
0.01
0.03
0.04
0.06
0.12
Dec-02
0.01
0.03
0.04
0.06
0.12
Jan-03
0.01
0.03
0.04
0.06
0.12
Feb-03
0.01
0.03
0.04
0.06
0.12
Mar-03
0.01
0.03
0.04
0.06
0.12
Apr-03
0.01
0.03
0.04
0.06
0.12
May-03
0.01
0.03
0.04
0.06
0.12
Jun-03
0.01
0.03
0.04
0.06
0.12
Jul-03
0.01
0.03
0.04
0.06
0.12
Aug-03
0.01
0.03
0.04
0.06
0.12
Sep-03
0.01
0.03
0.04
0.06
0.12
Oct-03
0.01
0.03
0.04
0.06
0.12
Nov-03
0.01
0.03
0.04
0.06
0.12
Dec-03
0.01
0.03
0.04
0.06
0.12
Jan-04
0.01
0.03
0.04
0.06
0.12
Feb-04
0.01
0.03
0.04
0.06
0.12
Mar-04
0.01
0.03
0.04
0.06
0.12
Apr-04
0.01
0.03
0.04
0.06
0.12
May-04
Jun-04
Jul-04
Aug-04
Sep-04
Oct-04
Nov-04
Dec-04
Jan-05
Feb-05
Mar-05
Apr-05
May-05
Jun-05
Jul-05
Aug-05
Sep-05
Oct-05
Nov-05
Dec-05
Jan-06
Feb-06
0.12
MS
Mar-06
Apr-06
May-06
Jun-06
Jul-06
Aug-06
Sep-06
Oct-06
Nov-06
Dec-06
Jan-07
Feb-07
Mar-07
Apr-07
May-07
Jun-07
Jul-07
Aug-07
Sep-07
Oct-07
Nov-07
Dec-07
Jan-08
Feb-08
Mar-08
Apr-08
May-08
Jun-08
Jul-08
Aug-08
Sep-08
Oct-08
Nov-08
Dec-08
Jan-09
Feb-09
Mar-09
Apr-09
May-09
Jun-09
Jul-09
Aug-09
Sep-09
Oct-09
Nov-09
Dec-09
Jan-10
%CM
3M
4M
6M
12M
MS
Feb-10
Mar-10
Apr-10
May-10
Jun-10
Jul-10
Aug-10
Sep-10
Oct-10
Nov-10
Dec-10
Jan-11
Feb-11
Mar-11
Apr-11
May-11
Jun-11
Jul-11
Aug-11
Sep-11
Oct-11
Nov-11
Dec-11
Jan-12
Feb-12
Mar-12
Apr-12
May-12
Jun-12
Jul-12
Aug-12
Sep-12
Oct-12
Nov-12
Dec-12
Jan-13
Feb-13
Mar-13
Apr-13
May-13
Jun-13
Jul-13
Aug-13
Sep-13
Oct-13
Nov-13
Dec-13
%CM
3M
4M
6M
12M
MS
Jan-14
Feb-14
Mar-14
Apr-14
May-14
Jun-14
Jul-14
Aug-14
Sep-14
Oct-14
Nov-14
Dec-14
Jan-15
Feb-15
Mar-15
Apr-15
May-15
Jun-15
Jul-15
Aug-15
Sep-15
Oct-15
Nov-15
Dec-15
%CM
3M
4M
6M
12M
Var.% do IGP - DI ( NDICE GERAL DE PREOS AO CONSUMIDOR EM DISPONIBILIDADE

INTERNA - FGV ) desde JUL - 83
Fonte : FGV
MS
%CM
3M
4M
6M
12M
Jul-83
0.01
Aug-83
0.01
Sep-83
0.01
Oct-83
0.01
AS VARIAES
Nov-83
0.01
Dec-83
0.01
12 MESES.
Jan-84
0.01
Feb-84
0.01
Mar-84
0.01
Apr-84
0.01
12
May-84
0.01
MESES
MESES
MESES
MESES
Jun-84
0.01
0.03
0.04
0.06
0.12
Jul-84
0.01
0.03
0.04
0.06
0.12
Aug-84
0.01
0.03
0.04
0.06
0.12
Sep-84
0.01
0.03
0.04
0.06
0.12
Oct-84
0.01
0.03
0.04
0.06
0.12
Nov-84
0.01
0.03
0.04
0.06
0.12
Dec-84
0.01
0.03
0.04
0.06
0.12
Jan-85
0.01
0.03
0.04
0.06
0.12
Feb-85
0.01
0.03
0.04
0.06
0.12
Mar-85
0.01
0.03
0.04
0.06
0.12
Apr-85
0.01
0.03
0.04
0.06
0.12
May-85
0.01
0.03
0.04
0.06
0.12
Jun-85
0.01
0.03
0.04
0.06
0.12
Jul-85
0.01
0.03
0.04
0.06
0.12
Aug-85
0.01
0.03
0.04
0.06
0.12
Sep-85
0.01
0.03
0.04
0.06
0.12
Oct-85
0.01
0.03
0.04
0.06
0.12
Nov-85
0.01
0.03
0.04
0.06
0.12
Dec-85
0.01
0.03
0.04
0.06
0.12
Jan-86
0.01
0.03
0.04
0.06
0.12
Feb-86
0.01
0.03
0.04
0.06
0.12
Mar-86
0.01
0.03
0.04
0.06
0.12
Apr-86
0.01
0.03
0.04
0.06
0.12
May-86
0.01
0.03
0.04
0.06
0.12
Jun-86
0.01
0.03
0.04
0.06
0.12
Jul-86
0.01
0.03
0.04
0.06
0.12
Aug-86
0.01
0.03
0.04
0.06
0.12
Sep-86
0.01
0.03
0.04
0.06
0.12
Oct-86
0.01
0.03
0.04
0.06
0.12
Nov-86
0.01
0.03
0.04
0.06
0.12
ACUMULADAS
ABAIXO
MS
%CM
3M
4M
6M
12M
Dec-86
0.01
0.03 VARIAO
0.04ACUMULADA
0.06 (%)
0.12
Jan-87
0.01
0.03
0.04
0.06
0.12
Feb-87
0.01
0.03
0.04
0.06
0.12
Mar-87
0.01
0.03
0.04
0.06
0.12
Apr-87
0.01
0.03
0.04
0.06
0.12
May-87
0.01
0.03
0.04
0.06
0.12
Jun-87
0.01
0.03
0.04
0.06
0.12
Jul-87
0.01
0.03
0.04
0.06
0.12
Aug-87
0.01
0.03
0.04
0.06
0.12
Sep-87
0.01
0.03
0.04
0.06
0.12
Oct-87
0.01
0.03
0.04
0.06
0.12
Nov-87
0.01
0.03
0.04
0.06
0.12
Dec-87
0.01
0.03
0.04
0.06
0.12
Jan-88
0.01
0.03
0.04
0.06
0.12
Feb-88
0.01
0.03
0.04
0.06
0.12
Mar-88
0.01
0.03
0.04
0.06
0.12
Apr-88
0.01
0.03
0.04
0.06
0.12
May-88
0.01
0.03
0.04
0.06
0.12
Jun-88
0.01
0.03
0.04
0.06
0.12
Jul-88
0.01
0.03
0.04
0.06
0.12
Aug-88
0.01
0.03
0.04
0.06
0.12
Sep-88
0.01
0.03
0.04
0.06
0.12
Oct-88
0.01
0.03
0.04
0.06
0.12
Nov-88
0.01
0.03
0.04
0.06
0.12
Dec-88
0.01
0.03
0.04
0.06
0.12
Jan-89
0.01
0.03
0.04
0.06
0.12
Feb-89
0.01
0.03
0.04
0.06
0.12
Mar-89
0.01
0.03
0.04
0.06
0.12
Apr-89
0.01
0.03
0.04
0.06
0.12
May-89
0.01
0.03
0.04
0.06
0.12
Jun-89
0.01
0.03
0.04
0.06
0.12
Jul-89
0.01
0.03
0.04
0.06
0.12
Aug-89
0.01
0.03
0.04
0.06
0.12
Sep-89
0.01
0.03
0.04
0.06
0.12
Oct-89
0.01
0.03
0.04
0.06
0.12
Nov-89
0.01
0.03
0.04
0.06
0.12
Dec-89
0.01
0.03
0.04
0.06
0.12
Jan-90
0.01
0.03
0.04
0.06
0.12
Feb-90
0.01
0.03
0.04
0.06
0.12
Mar-90
0.01
0.03
0.04
0.06
0.12
Apr-90
0.01
0.03
0.04
0.06
0.12
May-90
0.01
0.03
0.04
0.06
0.12
Jun-90
0.01
0.03
0.04
0.06
0.12
Jul-90
0.01
0.03
0.04
0.06
0.12
Aug-90
0.01
0.03
0.04
0.06
0.12
Sep-90
0.01
0.03
0.04
0.06
0.12
Oct-90
0.01
0.03
0.04
0.06
0.12
MS
%CM
3M
4M
6M
12M
Nov-90
0.01
0.03 VARIAO
0.04ACUMULADA
0.06 (%)
0.12
Dec-90
0.01
0.03
0.04
0.06
0.12
Jan-91
0.01
0.03
0.04
0.06
0.12
Feb-91
0.01
0.03
0.04
0.06
0.12
Mar-91
0.01
0.03
0.04
0.06
0.12
Apr-91
0.01
0.03
0.04
0.06
0.12
May-91
0.01
0.03
0.04
0.06
0.12
Jun-91
0.01
0.03
0.04
0.06
0.12
Jul-91
0.01
0.03
0.04
0.06
0.12
Aug-91
0.01
0.03
0.04
0.06
0.12
Sep-91
0.01
0.03
0.04
0.06
0.12
Oct-91
0.01
0.03
0.04
0.06
0.12
Nov-91
0.01
0.03
0.04
0.06
0.12
Dec-91
0.01
0.03
0.04
0.06
0.12
Jan-92
0.01
0.03
0.04
0.06
0.12
Feb-92
0.01
0.03
0.04
0.06
0.12
Mar-92
0.01
0.03
0.04
0.06
0.12
Apr-92
0.01
0.03
0.04
0.06
0.12
May-92
0.01
0.03
0.04
0.06
0.12
Jun-92
0.01
0.03
0.04
0.06
0.12
Jul-92
0.01
0.03
0.04
0.06
0.12
Aug-92
0.01
0.03
0.04
0.06
0.12
Sep-92
0.01
0.03
0.04
0.06
0.12
Oct-92
0.01
0.03
0.04
0.06
0.12
Nov-92
0.01
0.03
0.04
0.06
0.12
Dec-92
0.01
0.03
0.04
0.06
0.12
Jan-93
0.01
0.03
0.04
0.06
0.12
Feb-93
0.01
0.03
0.04
0.06
0.12
Mar-93
0.01
0.03
0.04
0.06
0.12
Apr-93
0.01
0.03
0.04
0.06
0.12
May-93
0.01
0.03
0.04
0.06
0.12
Jun-93
0.01
0.03
0.04
0.06
0.12
Jul-93
0.01
0.03
0.04
0.06
0.12
Aug-93
0.01
0.03
0.04
0.06
0.12
Sep-93
0.01
0.03
0.04
0.06
0.12
Oct-93
0.01
0.03
0.04
0.06
0.12
Nov-93
0.01
0.03
0.04
0.06
0.12
Dec-93
0.01
0.03
0.04
0.06
0.12
Jan-94
0.01
0.03
0.04
0.06
0.12
Feb-94
0.01
0.03
0.04
0.06
0.12
Mar-94
0.01
0.03
0.04
0.06
0.12
Apr-94
0.01
0.03
0.04
0.06
0.12
May-94
0.01
0.03
0.04
0.06
0.12
Jun-94
0.01
0.03
0.04
0.06
0.12
Jul-94
0.01
0.03
0.04
0.06
0.12
Aug-94
0.01
0.03
0.04
0.06
0.12
Sep-94
0.01
0.03
0.04
0.06
0.12
MS
%CM
3M
4M
6M
12M
Oct-94
0.01
0.03 VARIAO
0.04ACUMULADA
0.06 (%)
0.12
Nov-94
0.01
0.03
0.04
0.06
0.12
Dec-94
0.01
0.03
0.04
0.06
0.12
Jan-95
0.01
0.03
0.04
0.06
0.12
Feb-95
0.01
0.03
0.04
0.06
0.12
Mar-95
0.01
0.03
0.04
0.06
0.12
Apr-95
0.01
0.03
0.04
0.06
0.12
May-95
0.01
0.03
0.04
0.06
0.12
Jun-95
0.01
0.03
0.04
0.06
0.12
Jul-95
0.01
0.03
0.04
0.06
0.12
Aug-95
0.01
0.03
0.04
0.06
0.12
Sep-95
0.01
0.03
0.04
0.06
0.12
Oct-95
0.01
0.03
0.04
0.06
0.12
Nov-95
0.01
0.03
0.04
0.06
0.12
Dec-95
0.01
0.03
0.04
0.06
0.12
Jan-96
0.01
0.03
0.04
0.06
0.12
Feb-96
0.01
0.03
0.04
0.06
0.12
Mar-96
0.01
0.03
0.04
0.06
0.12
Apr-96
0.01
0.03
0.04
0.06
0.12
May-96
0.01
0.03
0.04
0.06
0.12
Jun-96
0.01
0.03
0.04
0.06
0.12
Jul-96
0.01
0.03
0.04
0.06
0.12
Aug-96
0.01
0.03
0.04
0.06
0.12
Sep-96
0.01
0.03
0.04
0.06
0.12
Oct-96
0.01
0.03
0.04
0.06
0.12
Nov-96
0.01
0.03
0.04
0.06
0.12
Dec-96
0.01
0.03
0.04
0.06
0.12
Jan-97
0.01
0.03
0.04
0.06
0.12
Feb-97
0.01
0.03
0.04
0.06
0.12
Mar-97
0.01
0.03
0.04
0.06
0.12
Apr-97
0.01
0.03
0.04
0.06
0.12
May-97
0.01
0.03
0.04
0.06
0.12
Jun-97
0.01
0.03
0.04
0.06
0.12
Jul-97
0.01
0.03
0.04
0.06
0.12
Aug-97
0.01
0.03
0.04
0.06
0.12
Sep-97
0.01
0.03
0.04
0.06
0.12
Oct-97
0.01
0.03
0.04
0.06
0.12
Nov-97
0.01
0.03
0.04
0.06
0.12
Dec-97
0.01
0.03
0.04
0.06
0.12
Jan-98
0.01
0.03
0.04
0.06
0.12
Feb-98
0.01
0.03
0.04
0.06
0.12
Mar-98
0.01
0.03
0.04
0.06
0.12
Apr-98
0.01
0.03
0.04
0.06
0.12
May-98
0.01
0.03
0.04
0.06
0.12
Jun-98
0.01
0.03
0.04
0.06
0.12
Jul-98
0.01
0.03
0.04
0.06
0.12
Aug-98
0.01
0.03
0.04
0.06
0.12
MS
%CM
3M
4M
6M
12M
Sep-98
0.01
0.03 VARIAO
0.04ACUMULADA
0.06 (%)
0.12
Oct-98
0.01
0.03
0.04
0.06
0.12
Nov-98
0.01
0.03
0.04
0.06
0.12
Dec-98
0.01
0.03
0.04
0.06
0.12
Jan-99
0.01
0.03
0.04
0.06
0.12
Feb-99
0.01
0.03
0.04
0.06
0.12
Mar-99
0.01
0.03
0.04
0.06
0.12
Apr-99
0.01
0.03
0.04
0.06
0.12
May-99
0.01
0.03
0.04
0.06
0.12
Jun-99
0.01
0.03
0.04
0.06
0.12
Jul-99
0.01
0.03
0.04
0.06
0.12
Aug-99
0.01
0.03
0.04
0.06
0.12
Sep-99
0.01
0.03
0.04
0.06
0.12
Oct-99
0.01
0.03
0.04
0.06
0.12
Nov-99
0.01
0.03
0.04
0.06
0.12
Dec-99
0.01
0.03
0.04
0.06
0.12
Jan-00
0.01
0.03
0.04
0.06
0.12
Feb-00
0.01
0.03
0.04
0.06
0.12
Mar-00
0.01
0.03
0.04
0.06
0.12
Apr-00
0.01
0.03
0.04
0.06
0.12
May-00
0.01
0.03
0.04
0.06
0.12
Jun-00
0.01
0.03
0.04
0.06
0.12
Jul-00
0.01
0.03
0.04
0.06
0.12
Aug-00
0.01
0.03
0.04
0.06
0.12
Sep-00
0.01
0.03
0.04
0.06
0.12
Oct-00
0.01
0.03
0.04
0.06
0.12
Nov-00
0.01
0.03
0.04
0.06
0.12
Dec-00
0.01
0.03
0.04
0.06
0.12
Jan-01
0.01
0.03
0.04
0.06
0.12
Feb-01
0.01
0.03
0.04
0.06
0.12
Mar-01
0.01
0.03
0.04
0.06
0.12
Apr-01
0.01
0.03
0.04
0.06
0.12
May-01
0.01
0.03
0.04
0.06
0.12
Jun-01
0.01
0.03
0.04
0.06
0.12
Jul-01
0.01
0.03
0.04
0.06
0.12
Aug-01
0.01
0.03
0.04
0.06
0.12
Sep-01
0.01
0.03
0.04
0.06
0.12
Oct-01
0.01
0.03
0.04
0.06
0.12
Nov-01
0.01
0.03
0.04
0.06
0.12
Dec-01
0.01
0.03
0.04
0.06
0.12
Jan-02
0.01
0.03
0.04
0.06
0.12
Feb-02
0.01
0.03
0.04
0.06
0.12
Mar-02
0.01
0.03
0.04
0.06
0.12
Apr-02
0.01
0.03
0.04
0.06
0.12
May-02
0.01
0.03
0.04
0.06
0.12
Jun-02
0.01
0.03
0.04
0.06
0.12
Jul-02
0.01
0.03
0.04
0.06
0.12
MS
%CM
3M
4M
6M
12M
Aug-02
0.01
0.03 VARIAO
0.04ACUMULADA
0.06 (%)
0.12
Sep-02
0.01
0.03
0.04
0.06
0.12
Oct-02
0.01
0.03
0.04
0.06
0.12
Nov-02
0.01
0.03
0.04
0.06
0.12
Dec-02
0.01
0.03
0.04
0.06
0.12
Jan-03
0.01
0.03
0.04
0.06
0.12
Feb-03
0.01
0.03
0.04
0.06
0.12
Mar-03
0.01
0.03
0.04
0.06
0.12
Apr-03
0.01
0.03
0.04
0.06
0.12
May-03
0.01
0.03
0.04
0.06
0.12
Jun-03
0.01
0.03
0.04
0.06
0.12
Jul-03
0.01
0.03
0.04
0.06
0.12
Aug-03
0.01
0.03
0.04
0.06
0.12
Sep-03
0.01
0.03
0.04
0.06
0.12
Oct-03
0.01
0.03
0.04
0.06
0.12
Nov-03
0.01
0.03
0.04
0.06
0.12
Dec-03
0.01
0.03
0.04
0.06
0.12
Jan-04
0.01
0.03
0.04
0.06
0.12
Feb-04
0.01
0.03
0.04
0.06
0.12
Mar-04
0.01
0.03
0.04
0.06
0.12
Apr-04
0.01
0.03
0.04
0.06
0.12
May-04
Jun-04
Jul-04
Aug-04
Sep-04
Oct-04
Nov-04
Dec-04
Jan-05
Feb-05
Mar-05
Apr-05
May-05
Jun-05
Jul-05
Aug-05
Sep-05
Oct-05
Nov-05
Dec-05
Jan-06
Feb-06
Mar-06
Apr-06
May-06
Jun-06
MS
Jul-06
Aug-06
Sep-06
Oct-06
Nov-06
Dec-06
Jan-07
Feb-07
Mar-07
Apr-07
May-07
Jun-07
Jul-07
Aug-07
Sep-07
Oct-07
Nov-07
Dec-07
Jan-08
Feb-08
Mar-08
Apr-08
May-08
Jun-08
Jul-08
Aug-08
Sep-08
Oct-08
Nov-08
Dec-08
Jan-09
Feb-09
Mar-09
Apr-09
May-09
Jun-09
Jul-09
Aug-09
Sep-09
Oct-09
Nov-09
Dec-09
Jan-10
Feb-10
Mar-10
Apr-10
May-10
%CM
3M
4M
6M
12M
MS
Jun-10
Jul-10
Aug-10
Sep-10
Oct-10
Nov-10
Dec-10
Jan-11
Feb-11
Mar-11
Apr-11
May-11
Jun-11
Jul-11
Aug-11
Sep-11
Oct-11
Nov-11
Dec-11
Jan-12
Feb-12
Mar-12
Apr-12
May-12
Jun-12
Jul-12
Aug-12
Sep-12
Oct-12
Nov-12
Dec-12
Jan-13
Feb-13
Mar-13
Apr-13
May-13
Jun-13
Jul-13
Aug-13
Sep-13
Oct-13
Nov-13
Dec-13
Jan-14
Feb-14
Mar-14
Apr-14
%CM
3M
4M
6M
12M
MS
May-14
Jun-14
Jul-14
Aug-14
Sep-14
Oct-14
Nov-14
Dec-14
Jan-15
Feb-15
Mar-15
Apr-15
May-15
Jun-15
Jul-15
Aug-15
Sep-15
Oct-15
Nov-15
Dec-15
%CM
3M
4M
6M
12M
Var.% do IGP - M ( NDICE GERAL DE PREOS NO MERCADO - FGV ) desde JUN - 89

Fonte : FGV
MS
%CM
3M
4M
6M
12M
Jun-89
0.01
Jul-89
0.01
Aug-89
0.01
Sep-89
0.01
AS VARIAES
Oct-89
0.01
Nov-89
0.01
12 MESES.
Dec-89
0.01
Jan-90
0.01
Feb-90
0.01
Mar-90
0.01
12
Apr-90
0.01
MESES
MESES
MESES
MESES
May-90
0.01
0.03
0.04
0.06
0.12
Jun-90
0.01
0.03
0.04
0.06
0.12
Jul-90
0.01
0.03
0.04
0.06
0.12
Aug-90
0.01
0.03
0.04
0.06
0.12
Sep-90
0.01
0.03
0.04
0.06
0.12
Oct-90
0.01
0.03
0.04
0.06
0.12
Nov-90
0.01
0.03
0.04
0.06
0.12
Dec-90
0.01
0.03
0.04
0.06
0.12
Jan-91
0.01
0.03
0.04
0.06
0.12
Feb-91
0.01
0.03
0.04
0.06
0.12
Mar-91
0.01
0.03
0.04
0.06
0.12
Apr-91
0.01
0.03
0.04
0.06
0.12
May-91
0.01
0.03
0.04
0.06
0.12
Jun-91
0.01
0.03
0.04
0.06
0.12
Jul-91
0.01
0.03
0.04
0.06
0.12
Aug-91
0.01
0.03
0.04
0.06
0.12
Sep-91
0.01
0.03
0.04
0.06
0.12
Oct-91
0.01
0.03
0.04
0.06
0.12
Nov-91
0.01
0.03
0.04
0.06
0.12
Dec-91
0.01
0.03
0.04
0.06
0.12
Jan-92
0.01
0.03
0.04
0.06
0.12
Feb-92
0.01
0.03
0.04
0.06
0.12
Mar-92
0.01
0.03
0.04
0.06
0.12
Apr-92
0.01
0.03
0.04
0.06
0.12
May-92
0.01
0.03
0.04
0.06
0.12
Jun-92
0.01
0.03
0.04
0.06
0.12
Jul-92
0.01
0.03
0.04
0.06
0.12
Aug-92
0.01
0.03
0.04
0.06
0.12
Sep-92
0.01
0.03
0.04
0.06
0.12
Oct-92
0.01
0.03
0.04
0.06
0.12
ACUMULADAS
ABAIXO
MS
%CM
3M
4M
6M
12M
Nov-92
0.01
0.03 VARIAO
0.04ACUMULADA
0.06 (%)
Dec-92
0.01
0.03
0.04
0.06
0.12
Jan-93
0.01
0.03
0.04
0.06
0.12
Feb-93
0.01
0.03
0.04
0.06
0.12
Mar-93
0.01
0.03
0.04
0.06
0.12
Apr-93
0.01
0.03
0.04
0.06
0.12
May-93
0.01
0.03
0.04
0.06
0.12
Jun-93
0.01
0.03
0.04
0.06
0.12
Jul-93
0.01
0.03
0.04
0.06
0.12
Aug-93
0.01
0.03
0.04
0.06
0.12
Sep-93
0.01
0.03
0.04
0.06
0.12
Oct-93
0.01
0.03
0.04
0.06
0.12
Nov-93
0.01
0.03
0.04
0.06
0.12
Dec-93
0.01
0.03
0.04
0.06
0.12
Jan-94
0.01
0.03
0.04
0.06
0.12
Feb-94
0.01
0.03
0.04
0.06
0.12
Mar-94
0.01
0.03
0.04
0.06
0.12
Apr-94
0.01
0.03
0.04
0.06
0.12
May-94
0.01
0.03
0.04
0.06
0.12
Jun-94
0.01
0.03
0.04
0.06
0.12
Jul-94
0.01
0.03
0.04
0.06
0.12
Aug-94
0.01
0.03
0.04
0.06
0.12
Sep-94
0.01
0.03
0.04
0.06
0.12
Oct-94
0.01
0.03
0.04
0.06
0.12
Nov-94
0.01
0.03
0.04
0.06
0.12
Dec-94
0.01
0.03
0.04
0.06
0.12
Jan-95
0.01
0.03
0.04
0.06
0.12
Feb-95
0.01
0.03
0.04
0.06
0.12
Mar-95
0.01
0.03
0.04
0.06
0.12
Apr-95
0.01
0.03
0.04
0.06
0.12
May-95
0.01
0.03
0.04
0.06
0.12
Jun-95
0.01
0.03
0.04
0.06
0.12
Jul-95
0.01
0.03
0.04
0.06
0.12
Aug-95
0.01
0.03
0.04
0.06
0.12
Sep-95
0.01
0.03
0.04
0.06
0.12
Oct-95
0.01
0.03
0.04
0.06
0.12
Nov-95
0.01
0.03
0.04
0.06
0.12
Dec-95
0.01
0.03
0.04
0.06
0.12
Jan-96
0.01
0.03
0.04
0.06
0.12
Feb-96
0.01
0.03
0.04
0.06
0.12
Mar-96
0.01
0.03
0.04
0.06
0.12
Apr-96
0.01
0.03
0.04
0.06
0.12
May-96
0.01
0.03
0.04
0.06
0.12
Jun-96
0.01
0.03
0.04
0.06
0.12
Jul-96
0.01
0.03
0.04
0.06
0.12
Aug-96
0.01
0.03
0.04
0.06
0.12
Sep-96
0.01
0.03
0.04
0.06
0.12
0.12
MS
%CM
3M
4M
6M
12M
Oct-96
0.01
0.03 VARIAO
0.04ACUMULADA
0.06 (%)
Nov-96
0.01
0.03
0.04
0.06
0.12
Dec-96
0.01
0.03
0.04
0.06
0.12
Jan-97
0.01
0.03
0.04
0.06
0.12
Feb-97
0.01
0.03
0.04
0.06
0.12
Mar-97
0.01
0.03
0.04
0.06
0.12
Apr-97
0.01
0.03
0.04
0.06
0.12
May-97
0.01
0.03
0.04
0.06
0.12
Jun-97
0.01
0.03
0.04
0.06
0.12
Jul-97
0.01
0.03
0.04
0.06
0.12
Aug-97
0.01
0.03
0.04
0.06
0.12
Sep-97
0.01
0.03
0.04
0.06
0.12
Oct-97
0.01
0.03
0.04
0.06
0.12
Nov-97
0.01
0.03
0.04
0.06
0.12
Dec-97
0.01
0.03
0.04
0.06
0.12
Jan-98
0.01
0.03
0.04
0.06
0.12
Feb-98
0.01
0.03
0.04
0.06
0.12
Mar-98
0.01
0.03
0.04
0.06
0.12
Apr-98
0.01
0.03
0.04
0.06
0.12
May-98
0.01
0.03
0.04
0.06
0.12
Jun-98
0.01
0.03
0.04
0.06
0.12
Jul-98
0.01
0.03
0.04
0.06
0.12
Aug-98
0.01
0.03
0.04
0.06
0.12
Sep-98
0.01
0.03
0.04
0.06
0.12
Oct-98
0.01
0.03
0.04
0.06
0.12
Nov-98
0.01
0.03
0.04
0.06
0.12
Dec-98
0.01
0.03
0.04
0.06
0.12
Jan-99
0.01
0.03
0.04
0.06
0.12
Feb-99
0.01
0.03
0.04
0.06
0.12
Mar-99
0.01
0.03
0.04
0.06
0.12
Apr-99
0.01
0.03
0.04
0.06
0.12
May-99
0.01
0.03
0.04
0.06
0.12
Jun-99
0.01
0.03
0.04
0.06
0.12
Jul-99
0.01
0.03
0.04
0.06
0.12
Aug-99
0.01
0.03
0.04
0.06
0.12
Sep-99
0.01
0.03
0.04
0.06
0.12
Oct-99
0.01
0.03
0.04
0.06
0.12
Nov-99
0.01
0.03
0.04
0.06
0.12
Dec-99
0.01
0.03
0.04
0.06
0.12
Jan-00
0.01
0.03
0.04
0.06
0.12
Feb-00
0.01
0.03
0.04
0.06
0.12
Mar-00
0.01
0.03
0.04
0.06
0.12
Apr-00
0.01
0.03
0.04
0.06
0.12
May-00
0.01
0.03
0.04
0.06
0.12
Jun-00
0.01
0.03
0.04
0.06
0.12
Jul-00
0.01
0.03
0.04
0.06
0.12
Aug-00
0.01
0.03
0.04
0.06
0.12
0.12
MS
%CM
3M
4M
6M
12M
Sep-00
0.01
0.03 VARIAO
0.04ACUMULADA
0.06 (%)
Oct-00
0.01
0.03
0.04
0.06
0.12
Nov-00
0.01
0.03
0.04
0.06
0.12
Dec-00
0.01
0.03
0.04
0.06
0.12
Jan-01
0.01
0.03
0.04
0.06
0.12
Feb-01
0.01
0.03
0.04
0.06
0.12
Mar-01
0.01
0.03
0.04
0.06
0.12
Apr-01
0.01
0.03
0.04
0.06
0.12
May-01
0.01
0.03
0.04
0.06
0.12
Jun-01
0.01
0.03
0.04
0.06
0.12
Jul-01
0.01
0.03
0.04
0.06
0.12
Aug-01
0.01
0.03
0.04
0.06
0.12
Sep-01
0.01
0.03
0.04
0.06
0.12
Oct-01
0.01
0.03
0.04
0.06
0.12
Nov-01
0.01
0.03
0.04
0.06
0.12
Dec-01
0.01
0.03
0.04
0.06
0.12
Jan-02
0.01
0.03
0.04
0.06
0.12
Feb-02
0.01
0.03
0.04
0.06
0.12
Mar-02
0.01
0.03
0.04
0.06
0.12
Apr-02
0.01
0.03
0.04
0.06
0.12
May-02
0.01
0.03
0.04
0.06
0.12
Jun-02
0.01
0.03
0.04
0.06
0.12
Jul-02
0.01
0.03
0.04
0.06
0.12
Aug-02
0.01
0.03
0.04
0.06
0.12
Sep-02
0.01
0.03
0.04
0.06
0.12
Oct-02
0.01
0.03
0.04
0.06
0.12
Nov-02
0.01
0.03
0.04
0.06
0.12
Dec-02
0.01
0.03
0.04
0.06
0.12
Jan-03
0.01
0.03
0.04
0.06
0.12
Feb-03
0.01
0.03
0.04
0.06
0.12
Mar-03
0.01
0.03
0.04
0.06
0.12
Apr-03
0.01
0.03
0.04
0.06
0.12
May-03
0.01
0.03
0.04
0.06
0.12
Jun-03
0.01
0.03
0.04
0.06
0.12
Jul-03
0.01
0.03
0.04
0.06
0.12
Aug-03
0.01
0.03
0.04
0.06
0.12
Sep-03
0.01
0.03
0.04
0.06
0.12
Oct-03
0.01
0.03
0.04
0.06
0.12
Nov-03
0.01
0.03
0.04
0.06
0.12
Dec-03
0.01
0.03
0.04
0.06
0.12
Jan-04
0.01
0.03
0.04
0.06
0.12
Feb-04
0.01
0.03
0.04
0.06
0.12
Mar-04
0.01
0.03
0.04
0.06
0.12
Apr-04
0.01
0.03
0.04
0.06
0.12
May-04
Jun-04
Jul-04
0.12
MS
Aug-04
Sep-04
Oct-04
Nov-04
Dec-04
Jan-05
Feb-05
Mar-05
Apr-05
May-05
Jun-05
Jul-05
Aug-05
Sep-05
Oct-05
Nov-05
Dec-05
Jan-06
Feb-06
Mar-06
Apr-06
May-06
Jun-06
Jul-06
Aug-06
Sep-06
Oct-06
Nov-06
Dec-06
Jan-07
Feb-07
Mar-07
Apr-07
May-07
Jun-07
Jul-07
Aug-07
Sep-07
Oct-07
Nov-07
Dec-07
Jan-08
Feb-08
Mar-08
Apr-08
May-08
Jun-08
%CM
3M
4M
6M
12M
MS
Jul-08
Aug-08
Sep-08
Oct-08
Nov-08
Dec-08
Jan-09
Feb-09
Mar-09
Apr-09
May-09
Jun-09
Jul-09
Aug-09
Sep-09
Oct-09
Nov-09
Dec-09
Jan-10
Feb-10
Mar-10
Apr-10
May-10
Jun-10
Jul-10
Aug-10
Sep-10
Oct-10
Nov-10
Dec-10
Jan-11
Feb-11
Mar-11
Apr-11
May-11
Jun-11
Jul-11
Aug-11
Sep-11
Oct-11
Nov-11
Dec-11
Jan-12
Feb-12
Mar-12
Apr-12
May-12
%CM
3M
4M
6M
12M
MS
Jun-12
Jul-12
Aug-12
Sep-12
Oct-12
Nov-12
Dec-12
Jan-13
Feb-13
Mar-13
Apr-13
May-13
Jun-13
Jul-13
Aug-13
Sep-13
Oct-13
Nov-13
Dec-13
Jan-14
Feb-14
Mar-14
Apr-14
May-14
Jun-14
Jul-14
Aug-14
Sep-14
Oct-14
Nov-14
Dec-14
Jan-15
Feb-15
Mar-15
Apr-15
May-15
Jun-15
Jul-15
Aug-15
Sep-15
Oct-15
Nov-15
Dec-15
%CM
3M
4M
6M
12M
Var.% do INCC - DI ( NDICE NACIONAL DO CUSTO DA CONSTRUO EM DISPONIBILIDADE

INTERNA - FGV ) desde JAN - 84
Fonte : FGV
MS
%CM
3M
4M
6M
12M
Jan-84
0.01
Feb-84
0.01
Mar-84
0.01
Apr-84
0.01
AS VARIAES
May-84
0.01
Jun-84
0.01
12 MESES.
Jul-84
0.01
Aug-84
0.01
Sep-84
0.01
Oct-84
0.01
12
Nov-84
0.01
MESES
MESES
MESES
MESES
Dec-84
0.01
0.03
0.04
0.06
0.12
Jan-85
0.01
0.03
0.04
0.06
0.12
Feb-85
0.01
0.03
0.04
0.06
0.12
Mar-85
0.01
0.03
0.04
0.06
0.12
Apr-85
0.01
0.03
0.04
0.06
0.12
May-85
0.01
0.03
0.04
0.06
0.12
Jun-85
0.01
0.03
0.04
0.06
0.12
Jul-85
0.01
0.03
0.04
0.06
0.12
Aug-85
0.01
0.03
0.04
0.06
0.12
Sep-85
0.01
0.03
0.04
0.06
0.12
Oct-85
0.01
0.03
0.04
0.06
0.12
Nov-85
0.01
0.03
0.04
0.06
0.12
Dec-85
0.01
0.03
0.04
0.06
0.12
Jan-86
0.01
0.03
0.04
0.06
0.12
Feb-86
0.01
0.03
0.04
0.06
0.12
Mar-86
0.01
0.03
0.04
0.06
0.12
Apr-86
0.01
0.03
0.04
0.06
0.12
May-86
0.01
0.03
0.04
0.06
0.12
Jun-86
0.01
0.03
0.04
0.06
0.12
Jul-86
0.01
0.03
0.04
0.06
0.12
Aug-86
0.01
0.03
0.04
0.06
0.12
Sep-86
0.01
0.03
0.04
0.06
0.12
Oct-86
0.01
0.03
0.04
0.06
0.12
Nov-86
0.01
0.03
0.04
0.06
0.12
Dec-86
0.01
0.03
0.04
0.06
0.12
Jan-87
0.01
0.03
0.04
0.06
0.12
Feb-87
0.01
0.03
0.04
0.06
0.12
Mar-87
0.01
0.03
0.04
0.06
0.12
Apr-87
0.01
0.03
0.04
0.06
0.12
May-87
0.01
0.03
0.04
0.06
0.12
ACUMULADAS
ABAIXO
MS
%CM
3M
4M
6M
12M
Jun-87
0.01
0.03 VARIAO
0.04ACUMULADA
0.06 (%)
0.12
Jul-87
0.01
0.03
0.04
0.06
0.12
Aug-87
0.01
0.03
0.04
0.06
0.12
Sep-87
0.01
0.03
0.04
0.06
0.12
Oct-87
0.01
0.03
0.04
0.06
0.12
Nov-87
0.01
0.03
0.04
0.06
0.12
Dec-87
0.01
0.03
0.04
0.06
0.12
Jan-88
0.01
0.03
0.04
0.06
0.12
Feb-88
0.01
0.03
0.04
0.06
0.12
Mar-88
0.01
0.03
0.04
0.06
0.12
Apr-88
0.01
0.03
0.04
0.06
0.12
May-88
0.01
0.03
0.04
0.06
0.12
Jun-88
0.01
0.03
0.04
0.06
0.12
Jul-88
0.01
0.03
0.04
0.06
0.12
Aug-88
0.01
0.03
0.04
0.06
0.12
Sep-88
0.01
0.03
0.04
0.06
0.12
Oct-88
0.01
0.03
0.04
0.06
0.12
Nov-88
0.01
0.03
0.04
0.06
0.12
Dec-88
0.01
0.03
0.04
0.06
0.12
Jan-89
0.01
0.03
0.04
0.06
0.12
Feb-89
0.01
0.03
0.04
0.06
0.12
Mar-89
0.01
0.03
0.04
0.06
0.12
Apr-89
0.01
0.03
0.04
0.06
0.12
May-89
0.01
0.03
0.04
0.06
0.12
Jun-89
0.01
0.03
0.04
0.06
0.12
Jul-89
0.01
0.03
0.04
0.06
0.12
Aug-89
0.01
0.03
0.04
0.06
0.12
Sep-89
0.01
0.03
0.04
0.06
0.12
Oct-89
0.01
0.03
0.04
0.06
0.12
Nov-89
0.01
0.03
0.04
0.06
0.12
Dec-89
0.01
0.03
0.04
0.06
0.12
Jan-90
0.01
0.03
0.04
0.06
0.12
Feb-90
0.01
0.03
0.04
0.06
0.12
Mar-90
0.01
0.03
0.04
0.06
0.12
Apr-90
0.01
0.03
0.04
0.06
0.12
May-90
0.01
0.03
0.04
0.06
0.12
Jun-90
0.01
0.03
0.04
0.06
0.12
Jul-90
0.01
0.03
0.04
0.06
0.12
Aug-90
0.01
0.03
0.04
0.06
0.12
Sep-90
0.01
0.03
0.04
0.06
0.12
Oct-90
0.01
0.03
0.04
0.06
0.12
Nov-90
0.01
0.03
0.04
0.06
0.12
Dec-90
0.01
0.03
0.04
0.06
0.12
Jan-91
0.01
0.03
0.04
0.06
0.12
Feb-91
0.01
0.03
0.04
0.06
0.12
Mar-91
0.01
0.03
0.04
0.06
0.12
Apr-91
0.01
0.03
0.04
0.06
0.12
MS
%CM
3M
4M
6M
12M
May-91
0.01
0.03 VARIAO
0.04ACUMULADA
0.06 (%)
0.12
Jun-91
0.01
0.03
0.04
0.06
0.12
Jul-91
0.01
0.03
0.04
0.06
0.12
Aug-91
0.01
0.03
0.04
0.06
0.12
Sep-91
0.01
0.03
0.04
0.06
0.12
Oct-91
0.01
0.03
0.04
0.06
0.12
Nov-91
0.01
0.03
0.04
0.06
0.12
Dec-91
0.01
0.03
0.04
0.06
0.12
Jan-92
0.01
0.03
0.04
0.06
0.12
Feb-92
0.01
0.03
0.04
0.06
0.12
Mar-92
0.01
0.03
0.04
0.06
0.12
Apr-92
0.01
0.03
0.04
0.06
0.12
May-92
0.01
0.03
0.04
0.06
0.12
Jun-92
0.01
0.03
0.04
0.06
0.12
Jul-92
0.01
0.03
0.04
0.06
0.12
Aug-92
0.01
0.03
0.04
0.06
0.12
Sep-92
0.01
0.03
0.04
0.06
0.12
Oct-92
0.01
0.03
0.04
0.06
0.12
Nov-92
0.01
0.03
0.04
0.06
0.12
Dec-92
0.01
0.03
0.04
0.06
0.12
Jan-93
0.01
0.03
0.04
0.06
0.12
Feb-93
0.01
0.03
0.04
0.06
0.12
Mar-93
0.01
0.03
0.04
0.06
0.12
Apr-93
0.01
0.03
0.04
0.06
0.12
May-93
0.01
0.03
0.04
0.06
0.12
Jun-93
0.01
0.03
0.04
0.06
0.12
Jul-93
0.01
0.03
0.04
0.06
0.12
Aug-93
0.01
0.03
0.04
0.06
0.12
Sep-93
0.01
0.03
0.04
0.06
0.12
Oct-93
0.01
0.03
0.04
0.06
0.12
Nov-93
0.01
0.03
0.04
0.06
0.12
Dec-93
0.01
0.03
0.04
0.06
0.12
Jan-94
0.01
0.03
0.04
0.06
0.12
Feb-94
0.01
0.03
0.04
0.06
0.12
Mar-94
0.01
0.03
0.04
0.06
0.12
Apr-94
0.01
0.03
0.04
0.06
0.12
May-94
0.01
0.03
0.04
0.06
0.12
Jun-94
0.01
0.03
0.04
0.06
0.12
Jul-94
0.01
0.03
0.04
0.06
0.12
Aug-94
0.01
0.03
0.04
0.06
0.12
Sep-94
0.01
0.03
0.04
0.06
0.12
Oct-94
0.01
0.03
0.04
0.06
0.12
Nov-94
0.01
0.03
0.04
0.06
0.12
Dec-94
0.01
0.03
0.04
0.06
0.12
Jan-95
0.01
0.03
0.04
0.06
0.12
Feb-95
0.01
0.03
0.04
0.06
0.12
Mar-95
0.01
0.03
0.04
0.06
0.12
MS
%CM
3M
4M
6M
12M
Apr-95
0.01
0.03 VARIAO
0.04ACUMULADA
0.06 (%)
0.12
May-95
0.01
0.03
0.04
0.06
0.12
Jun-95
0.01
0.03
0.04
0.06
0.12
Jul-95
0.01
0.03
0.04
0.06
0.12
Aug-95
0.01
0.03
0.04
0.06
0.12
Sep-95
0.01
0.03
0.04
0.06
0.12
Oct-95
0.01
0.03
0.04
0.06
0.12
Nov-95
0.01
0.03
0.04
0.06
0.12
Dec-95
0.01
0.03
0.04
0.06
0.12
Jan-96
0.01
0.03
0.04
0.06
0.12
Feb-96
0.01
0.03
0.04
0.06
0.12
Mar-96
0.01
0.03
0.04
0.06
0.12
Apr-96
0.01
0.03
0.04
0.06
0.12
May-96
0.01
0.03
0.04
0.06
0.12
Jun-96
0.01
0.03
0.04
0.06
0.12
Jul-96
0.01
0.03
0.04
0.06
0.12
Aug-96
0.01
0.03
0.04
0.06
0.12
Sep-96
0.01
0.03
0.04
0.06
0.12
Oct-96
0.01
0.03
0.04
0.06
0.12
Nov-96
0.01
0.03
0.04
0.06
0.12
Dec-96
0.01
0.03
0.04
0.06
0.12
Jan-97
0.01
0.03
0.04
0.06
0.12
Feb-97
0.01
0.03
0.04
0.06
0.12
Mar-97
0.01
0.03
0.04
0.06
0.12
Apr-97
0.01
0.03
0.04
0.06
0.12
May-97
0.01
0.03
0.04
0.06
0.12
Jun-97
0.01
0.03
0.04
0.06
0.12
Jul-97
0.01
0.03
0.04
0.06
0.12
Aug-97
0.01
0.03
0.04
0.06
0.12
Sep-97
0.01
0.03
0.04
0.06
0.12
Oct-97
0.01
0.03
0.04
0.06
0.12
Nov-97
0.01
0.03
0.04
0.06
0.12
Dec-97
0.01
0.03
0.04
0.06
0.12
Jan-98
0.01
0.03
0.04
0.06
0.12
Feb-98
0.01
0.03
0.04
0.06
0.12
Mar-98
0.01
0.03
0.04
0.06
0.12
Apr-98
0.01
0.03
0.04
0.06
0.12
May-98
0.01
0.03
0.04
0.06
0.12
Jun-98
0.01
0.03
0.04
0.06
0.12
Jul-98
0.01
0.03
0.04
0.06
0.12
Aug-98
0.01
0.03
0.04
0.06
0.12
Sep-98
0.01
0.03
0.04
0.06
0.12
Oct-98
0.01
0.03
0.04
0.06
0.12
Nov-98
0.01
0.03
0.04
0.06
0.12
Dec-98
0.01
0.03
0.04
0.06
0.12
Jan-99
0.01
0.03
0.04
0.06
0.12
Feb-99
0.01
0.03
0.04
0.06
0.12
MS
%CM
3M
4M
6M
12M
Mar-99
0.01
0.03 VARIAO
0.04ACUMULADA
0.06 (%)
0.12
Apr-99
0.01
0.03
0.04
0.06
0.12
May-99
0.01
0.03
0.04
0.06
0.12
Jun-99
0.01
0.03
0.04
0.06
0.12
Jul-99
0.01
0.03
0.04
0.06
0.12
Aug-99
0.01
0.03
0.04
0.06
0.12
Sep-99
0.01
0.03
0.04
0.06
0.12
Oct-99
0.01
0.03
0.04
0.06
0.12
Nov-99
0.01
0.03
0.04
0.06
0.12
Dec-99
0.01
0.03
0.04
0.06
0.12
Jan-00
0.01
0.03
0.04
0.06
0.12
Feb-00
0.01
0.03
0.04
0.06
0.12
Mar-00
0.01
0.03
0.04
0.06
0.12
Apr-00
0.01
0.03
0.04
0.06
0.12
May-00
0.01
0.03
0.04
0.06
0.12
Jun-00
0.01
0.03
0.04
0.06
0.12
Jul-00
0.01
0.03
0.04
0.06
0.12
Aug-00
0.01
0.03
0.04
0.06
0.12
Sep-00
0.01
0.03
0.04
0.06
0.12
Oct-00
0.01
0.03
0.04
0.06
0.12
Nov-00
0.01
0.03
0.04
0.06
0.12
Dec-00
0.01
0.03
0.04
0.06
0.12
Jan-01
0.01
0.03
0.04
0.06
0.12
Feb-01
0.01
0.03
0.04
0.06
0.12
Mar-01
0.01
0.03
0.04
0.06
0.12
Apr-01
0.01
0.03
0.04
0.06
0.12
May-01
0.01
0.03
0.04
0.06
0.12
Jun-01
0.01
0.03
0.04
0.06
0.12
Jul-01
0.01
0.03
0.04
0.06
0.12
Aug-01
0.01
0.03
0.04
0.06
0.12
Sep-01
0.01
0.03
0.04
0.06
0.12
Oct-01
0.01
0.03
0.04
0.06
0.12
Nov-01
0.01
0.03
0.04
0.06
0.12
Dec-01
0.01
0.03
0.04
0.06
0.12
Jan-02
0.01
0.03
0.04
0.06
0.12
Feb-02
0.01
0.03
0.04
0.06
0.12
Mar-02
0.01
0.03
0.04
0.06
0.12
Apr-02
0.01
0.03
0.04
0.06
0.12
May-02
0.01
0.03
0.04
0.06
0.12
Jun-02
0.01
0.03
0.04
0.06
0.12
Jul-02
0.01
0.03
0.04
0.06
0.12
Aug-02
0.01
0.03
0.04
0.06
0.12
Sep-02
0.01
0.03
0.04
0.06
0.12
Oct-02
0.01
0.03
0.04
0.06
0.12
Nov-02
0.01
0.03
0.04
0.06
0.12
Dec-02
0.01
0.03
0.04
0.06
0.12
Jan-03
0.01
0.03
0.04
0.06
0.12
MS
%CM
3M
4M
6M
12M
Feb-03
0.01
0.03 VARIAO
0.04ACUMULADA
0.06 (%)
0.12
Mar-03
0.01
0.03
0.04
0.06
0.12
Apr-03
0.01
0.03
0.04
0.06
0.12
May-03
0.01
0.03
0.04
0.06
0.12
Jun-03
0.01
0.03
0.04
0.06
0.12
Jul-03
0.01
0.03
0.04
0.06
0.12
Aug-03
0.01
0.03
0.04
0.06
0.12
Sep-03
0.01
0.03
0.04
0.06
0.12
Oct-03
0.01
0.03
0.04
0.06
0.12
Nov-03
0.01
0.03
0.04
0.06
0.12
Dec-03
0.01
0.03
0.04
0.06
0.12
Jan-04
0.01
0.03
0.04
0.06
0.12
Feb-04
0.01
0.03
0.04
0.06
0.12
Mar-04
0.01
0.03
0.04
0.06
0.12
Apr-04
0.01
0.03
0.04
0.06
0.12
May-04
Jun-04
Jul-04
Aug-04
Sep-04
Oct-04
Nov-04
Dec-04
Jan-05
Feb-05
Mar-05
Apr-05
May-05
Jun-05
Jul-05
Aug-05
Sep-05
Oct-05
Nov-05
Dec-05
Jan-06
Feb-06
Mar-06
Apr-06
May-06
Jun-06
Jul-06
Aug-06
Sep-06
Oct-06
Nov-06
Dec-06
MS
Jan-07
Feb-07
Mar-07
Apr-07
May-07
Jun-07
Jul-07
Aug-07
Sep-07
Oct-07
Nov-07
Dec-07
Jan-08
Feb-08
Mar-08
Apr-08
May-08
Jun-08
Jul-08
Aug-08
Sep-08
Oct-08
Nov-08
Dec-08
Jan-09
Feb-09
Mar-09
Apr-09
May-09
Jun-09
Jul-09
Aug-09
Sep-09
Oct-09
Nov-09
Dec-09
Jan-10
Feb-10
Mar-10
Apr-10
May-10
Jun-10
Jul-10
Aug-10
Sep-10
Oct-10
Nov-10
%CM
3M
4M
6M
12M
MS
Dec-10
Jan-11
Feb-11
Mar-11
Apr-11
May-11
Jun-11
Jul-11
Aug-11
Sep-11
Oct-11
Nov-11
Dec-11
Jan-12
Feb-12
Mar-12
Apr-12
May-12
Jun-12
Jul-12
Aug-12
Sep-12
Oct-12
Nov-12
Dec-12
Jan-13
Feb-13
Mar-13
Apr-13
May-13
Jun-13
Jul-13
Aug-13
Sep-13
Oct-13
Nov-13
Dec-13
Jan-14
Feb-14
Mar-14
Apr-14
May-14
Jun-14
Jul-14
Aug-14
Sep-14
Oct-14
%CM
3M
4M
6M
12M
MS
Nov-14
Dec-14
Jan-15
Feb-15
Mar-15
Apr-15
May-15
Jun-15
Jul-15
Aug-15
Sep-15
Oct-15
Nov-15
Dec-15
%CM
3M
4M
6M
12M
Inflao na mudana de moeda em JUL - 94 ( Plano Real )
QUANDO OCORRIDA A MUDANA DE MOEDA DE CRUZEIRO REAL PARA REAL EM

JULHO DE 1994, ALGUMAS INSTITUIES
DIVULGARAM
DUAS
VARIAES
DIFERENTES DE INFLAO PARA SEUS INDICADORES.

ISTO ACONTECEU POR CAUSA DA LEI FEDERAL 8.880/94 QUE
DETERMINOU
QUE A APURAO FOSSE REALIZADA COM BASE NOS VALORES EM URV - UNIDADE REAL
DE
VALOR (QUE TINHA COTAO DIRIA) PARA
UTILIZADOS COMO REFERNCIA
NA
DATA
OS
PREOS
IMEDIATAMENTE ANTERIOR (DO
MS ANTERIOR) DATA DE COLETA DO MS EM OBSERVAO.

PORTANTO, EM RELAO AS
CONSEQNCIA
DA
OUTRO
LADO,
DUAS
UTILIZAO
MAIOR
VARIAES
DO
CONSEQENTE
UTILIZADO SEMPRE QUANDO H TROCA
DIVULGADAS,
CRITRIO DA
DE
DO
A MENOR
LEI 8.880/94, POR
MTODO
CONVENCIONAL
MOEDAS, OU SEJA, CALCULADA
COM BASE NO DIVISOR FIXO (NO CASO 2.750) PARA TODOS OS PREOS.
DESTA FORMA EXISTIRAM DUAS VARIAES
PERCENTUAIS
QUE
IDENTIFI-
CAREMOS COMO RESULTANTES DOS SEGUINTES CLCULOS:

1. CLCULO CONVENCIONAL (DESPREZANDO AS COTAES DA URV).
2. CLCULO CONSIDERANDO AS COTAES DA URV (LEI 8.880/94).
O MAIS INDICADO (JUDICIALMENTE) UTILIZAR AS VARIAES CONFORME:
2. CLCULO CONSIDERANDO AS COTAES DA URV (LEI 8.880/94).
NESTA PLANILHA
TODAS AS
VARIAES ESTO DE
ACORDO COM O CRIT-
RIO ACIMA.
PORM, SE DESEJAR, PODE-SE
TROCAR AS VARIAES
TANDO DIGITAR A MESMA NA LINHA REFERENTE A
NAS SEES, BAS-
JUL/94
(E AGO/94 IN-
CLUSIVE PARA O IGP-M DA FGV).

COMO DITO ACIMA, O IGP-M POSSUIU TAMBM DUAS VARIAES EM AGO/94
PELO FATO DA COLETA SER DISTRIBUDA SEMPRE EM 1/3
DO
MS
RIOR (JUL/94) E 2/3 DO MS DE APURAO (AGO/94). COMO O

EFETUADO A
ANTERIOR
PARTIR DO
PREO DE
(DATA IMEDIATAMENTE
COLETA E
ANTERIOR),
O OBSERVADO
EXISTIR
ANTE-
CLCULO
NO MS
SEQUINTE
SITUAO:
_ LTIMA TERA PARTE DO MS DE JUNHO E DE JULHO DE 94
1/3 DE JUNHO
1/3 DE JULHO
VARIAO DOS PREOS
_ DOIS TEROS INICIAIS DE JULHO E DE AGOSTO DE 94

2/3 DE JULHO
2/3 DE AGOSTO
VARIAO DOS PREOS
POR CAUSA DISSO, NOTE QUE 1/3 DA

COTAES
FORMA,
DA
URV
VARIAO
(QUANDO UTILIZADO
AINDA
O CRITRIO
CONSIDERA
AS
DA LEI). DESTA
AINDA EXISTIR RAZO (EM AGO/94) PARA A UTILIZAO DO M-
TODO DA LEI 8.880/94 (SOMENTE PARA O IGP-M).

O IGP-M DIVULGADO NO FINAL DO MS DE APURAO.
ESTA UMA DAS
RAZES QUE EXIGEM QUE A COLETA DE PREOS TERMINE EM TEMPO SUFICIENTE PARA REALIZAO DAS OUTRAS FASES PARA CONCLUSO DO TRABALHO
E POSTERIOR DIVULGAO DA VARIAO DO NDICE.
ABAIXO ENCONTRAM-SE AS VARIAES PERCENTUAIS RELATIVAS AOS CRITRIOS EXPOSTOS ACIMA EM RELAO
UNICAMENTE AOS INDICADORES CONTI-
DOS NESTA PLANILHA.
- IGP-M - FGV - JUL/94: 4,33% AO INVS DE 40,00%.

IGP-M - FGV - AGO/94: 3,94% AO INVS DE 7,56%.
- IGP-DI - FGV - JUL/94: 5,47% AO INVS DE 24,71%.

- INCC-DI - FGV - JUL/94: 3,58% AO INVS DE 10,26%.
OBSERVE A SEGUIR O MOMENTO ONDE GERADA A DIFERENA

QUER DE CORREO MONETRIA QUANDO AS VARIAES SO
EM UM
CLCULO QUAL-
ALTERADAS PARA
MAIOR
(VARIAES DE ACORDO COM O MTODO CONVENCIONAL DAS INSTITUIES).

(NOTE AO LADO DIREITO O CAMPO ACRSCIMO %)
LEI 8.880/94
MTODO CONVENCIONAL
VAR.%
ACUM.%
VAR.%
IGP-M
May-94
42.58
42.58
42.58
ACUM.%
42.58
FGV
Jun-94
45.21
107.04
45.21
107.04
Jul-94
4.33
116.01
40.00
189.86
Aug-94
3.94
124.52
7.56
211.77
Sep-94
1.75
128.44
1.75
217.23
ACRSCIMO %
38.86
VAR.%
ACUM.%
VAR.%
ACUM.%
IGP-DI
May-94
40.95
40.95
40.95
40.95
FGV
Jun-94
46.58
106.60
46.58
106.60
ACRSCIMO %
Jul-94
5.47
117.91
24.71
157.66
18.24
Aug-94
3.34
125.18
3.34
166.26
Sep-94
1.55
128.67
1.55
170.39
VAR.%
ACUM.%
VAR.%
ACUM.%
INCC-DI
May-94
45.60
45.60
45.60
45.60
FGV
Jun-94
44.74
110.74
44.74
110.74
ACRSCIMO %
Jul-94
3.58
118.29
10.26
132.36
6.45
Aug-94
0.14
118.59
0.14
132.69
Sep-94
0.38
119.42
0.38
133.57
Clculo das Prestaes Lquidas Constantes de acordo com o Sistema Price

baseado no regime de Juros Compostos ( refinanciamentos ou financiamentos )
ESTA SEO DE CLCULO PODE SER UTILIZADA TANTO PARA FINANCIAMENTOS QUANTO
PARA REFINANCIAMENTOS PORQUE OS VALORES SO SEMPRE CALCULADOS SOBRE O
SALDO DEVEDOR.
1.000000%
216,805.73
60

valor Financiado
> Valor das Prestaes Lquidas :
4,822.72
> Soma das Prestaes Lquidas :
289,363.20
> Total em Juros :
72,557.47
O OBJETIVO DO QUADRO ABAIXO DE APENAS MOSTRAR QUE O VALOR DAS

PRESTAES DETERMINADO ACIMA EST CORRETO.
PRESTAO
JUROS
LQUIDA
SALDO
AMORTIZAO
DEVEDOR
2,168.06
4,822.72
2,654.66
214,151.07
2,141.51
4,822.72
2,681.21
211,469.86
2,114.70
4,822.72
2,708.02
208,761.84
2,087.62
4,822.72
2,735.10
206,026.74
2,060.27
4,822.72
2,762.45
203,264.29
2,032.64
4,822.72
2,790.08
200,474.21
2,004.74
4,822.72
2,817.98
197,656.23
1,976.56
4,822.72
2,846.16
194,810.07
1,948.10
4,822.72
2,874.62
191,935.45
10
1,919.35
4,822.72
2,903.37
189,032.08
11
1,890.32
4,822.72
2,932.40
186,099.68
12
1,861.00
4,822.72
2,961.72
183,137.96
13
1,831.38
4,822.72
2,991.34
180,146.62
14
1,801.47
4,822.72
3,021.25
177,125.37
15
1,771.25
4,822.72
3,051.47
174,073.90
16
1,740.74
4,822.72
3,081.98
170,991.92
17
1,709.92
4,822.72
3,112.80
167,879.12
18
1,678.79
4,822.72
3,143.93
164,735.19
19
1,647.35
4,822.72
3,175.37
161,559.82
20
1,615.60
4,822.72
3,207.12
158,352.70
21
1,583.53
4,822.72
3,239.19
155,113.51
22
1,551.14
4,822.72
3,271.58
151,841.93
23
1,518.42
4,822.72
3,304.30
148,537.63
24
1,485.38
4,822.72
3,337.34
145,200.29
25
1,452.00
4,822.72
3,370.72
141,829.57
PRESTAO
JUROS
LQUIDA
SALDO
AMORTIZAO
DEVEDOR
26
1,418.30
4,822.72
3,404.42
138,425.15
27
1,384.25
4,822.72
3,438.47
134,986.68
28
1,349.87
4,822.72
3,472.85
131,513.83
29
1,315.14
4,822.72
3,507.58
128,006.25
30
1,280.06
4,822.72
3,542.66
124,463.59
31
1,244.64
4,822.72
3,578.08
120,885.51
32
1,208.86
4,822.72
3,613.86
117,271.65
33
1,172.72
4,822.72
3,650.00
113,621.65
34
1,136.22
4,822.72
3,686.50
109,935.15
35
1,099.35
4,822.72
3,723.37
106,211.78
36
1,062.12
4,822.72
3,760.60
102,451.18
37
1,024.51
4,822.72
3,798.21
98,652.97
38
986.53
4,822.72
3,836.19
94,816.78
39
948.17
4,822.72
3,874.55
90,942.23
40
909.42
4,822.72
3,913.30
87,028.93
41
870.29
4,822.72
3,952.43
83,076.50
42
830.77
4,822.72
3,991.95
79,084.55
43
790.85
4,822.72
4,031.87
75,052.68
44
750.53
4,822.72
4,072.19
70,980.49
45
709.80
4,822.72
4,112.92
66,867.57
46
668.68
4,822.72
4,154.04
62,713.53
47
627.14
4,822.72
4,195.58
58,517.95
48
585.18
4,822.72
4,237.54
54,280.41
49
542.80
4,822.72
4,279.92
50,000.49
50
500.00
4,822.72
4,322.72
45,677.77
51
456.78
4,822.72
4,365.94
41,311.83
52
413.12
4,822.72
4,409.60
36,902.23
53
369.02
4,822.72
4,453.70
32,448.53
54
324.49
4,822.72
4,498.23
27,950.30
55
279.50
4,822.72
4,543.22
23,407.08
56
234.07
4,822.72
4,588.65
18,818.43
57
188.18
4,822.72
4,634.54
14,183.89
58
141.84
4,822.72
4,680.88
9,503.01
59
95.03
4,822.72
4,727.69
4,775.32
60
47.75
4,822.72
4,774.97
0.35
61
62
63
64
65
66
67
68
69
70
71
PRESTAO
JUROS
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
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
LQUIDA
SALDO
AMORTIZAO
DEVEDOR
PRESTAO
JUROS
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
LQUIDA
SALDO
AMORTIZAO
DEVEDOR
PRESTAO
JUROS
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180
181
182
183
184
185
186
187
188
189
190
191
192
193
194
195
196
197
198
199
200
201
202
203
204
205
206
207
208
209
LQUIDA
SALDO
AMORTIZAO
DEVEDOR
PRESTAO
JUROS
210
211
212
213
214
215
216
217
218
219
220
221
222
223
224
225
226
227
228
229
230
231
232
233
234
235
236
237
238
239
240
241
242
243
244
245
246
247
248
249
250
251
252
253
254
255
LQUIDA
SALDO
AMORTIZAO
DEVEDOR
PRESTAO
JUROS
256
257
258
259
260
261
262
263
264
265
266
267
268
269
270
271
272
273
274
275
276
277
278
279
280
281
282
283
284
285
286
287
288
289
290
291
292
293
294
295
296
297
298
299
300
301
LQUIDA
SALDO
AMORTIZAO
DEVEDOR
PRESTAO
JUROS
302
303
304
305
306
307
308
309
310
311
312
313
314
315
316
317
318
319
320
321
322
323
324
325
326
327
328
329
330
331
332
333
334
335
336
337
338
339
340
341
342
343
344
345
346
347
LQUIDA
SALDO
AMORTIZAO
DEVEDOR
PRESTAO
JUROS
348
349
350
351
352
353
354
355
356
357
358
359
360
LQUIDA
SALDO
AMORTIZAO
DEVEDOR
Clculo das Prestaes Lquidas Constantes de acordo com a 2. Interpretao do

art. 6. alnea "c" da Lei 4.380/64 ( refinanciamentos ou financiamentos )
ESTA SEO DE CLCULO PODE SER UTILIZADA TANTO PARA FINANCIAMENTOS QUANTO
PARA REFINANCIAMENTOS PORQUE OS VALORES SO SEMPRE CALCULADOS SOBRE O
SALDO DEVEDOR.
2. INTERPRETAO :
NO POSSVEL DETERMINAR O VALOR DAS PRESTAES QUE QUITAM O REFINANCIAMENTO ( DEPOIS DO LTIMO PAGAMENTO ) PARA AS OUTRAS INTERPRETAES DA LEI ( 1. E 3 . ).
ISTO OCORRE PORQUE EXISTE DEFASAGEM NO MTODO DE APLICAO DE CORREO
MONETRIA ENTRE O SALDO DEVEDOR E A PRESTAO LQUIDA.
CASO NO HOUVESSE CORREO MONETRIA, SERIA POSSVEL A DETERMINAO ( TANTO
PARA A 1., QUANTO PARA A 3 . INTERPRETAO ).
EXISTIR SEMPRE A POSSIBILIDADE DE DETERMINAO DO VALOR DAS PRESTAES QUE
QUITAM O REFINANCIAMENTO ( DEPOIS DO LTIMO PAGAMENTO ) PELA 2. INTERPRETAO.
ISTO OCORRE PORQUE NO EXISTE DEFASAGEM NO MTODO DE APLICAO DE CORREO
MONETRIA ENTRE O SALDO DEVEDOR E A PRESTAO LQUIDA.
1.000000%
209,596.78
60

valor Financiado
> Valor das Prestaes Lquidas :
4,616.20
> Soma das Prestaes Lquidas :
276,972.00
> Total em Juros :
67,375.22
> Taxa de Juros por 30 dias que geraria o mesmo

valor das prestaes pelo Sistema Price :
0.963574%
ATENO : OS REFINANCIAMENTOS SO REALIZADOS EM JUROS COMPOSTOS

PORQUE OS CLCULOS SO REALIZADOS E CONTROLADOS PELAS INSTITUIES
FINANCEIRAS ( PRESTAES, SALDO DEVEDOR, SEGUROS, TAXA DE SERVIO, ETC. ).
O IMPORTANTE QUE O REFINANCIAMENTO SEJA EFETUADO A PARTIR DA TAXA
DETERMINADA ACIMA.
VALOR FINANCIADO DO REFINANCIAMENTO :
209,596.78
OS PAGAMENTOS DEVEM SER EFETUADOS NOS VALORES EXATOS PARA MANTER

A EQUIVALNCIA ENTRE OS MTODOS.
OS REFINANCIAMENTOS PODEM SER REALIZADOS POR SISTEMAS DIFERENTES DE
AMORTIZAO, UTILIZE A PLANILHA DE CLCULOS ORIGINAIS
PCFH_ORIGINAL .
O OBJETIVO DO QUADRO ABAIXO DE APENAS MOSTRAR QUE O VALOR DAS
PRESTAES DETERMINADO ACIMA EST CORRETO.

CRITRIO DA
2. INTERPRET.
SALDO
PRESTAO
ANTERIOR
LQUIDA
NOVO SALDO
JUROS SOBRE
SALDO
O NOVO SALDO
DEVEDOR FINAL
209,596.78
4,616.20
204,980.58
2,049.81
207,030.39
207,030.39
4,616.20
202,414.19
2,024.14
204,438.33
204,438.33
4,616.20
199,822.13
1,998.22
201,820.35
201,820.35
4,616.20
197,204.15
1,972.04
199,176.19
199,176.19
4,616.20
194,559.99
1,945.60
196,505.59
196,505.59
4,616.20
191,889.39
1,918.89
193,808.28
193,808.28
4,616.20
189,192.08
1,891.92
191,084.00
191,084.00
4,616.20
186,467.80
1,864.68
188,332.48
188,332.48
4,616.20
183,716.28
1,837.16
185,553.44
10
185,553.44
4,616.20
180,937.24
1,809.37
182,746.61
11
182,746.61
4,616.20
178,130.41
1,781.30
179,911.71
12
179,911.71
4,616.20
175,295.51
1,752.96
177,048.47
13
177,048.47
4,616.20
172,432.27
1,724.32
174,156.59
14
174,156.59
4,616.20
169,540.39
1,695.40
171,235.79
15
171,235.79
4,616.20
166,619.59
1,666.20
168,285.79
16
168,285.79
4,616.20
163,669.59
1,636.70
165,306.29
17
165,306.29
4,616.20
160,690.09
1,606.90
162,296.99
18
162,296.99
4,616.20
157,680.79
1,576.81
159,257.60
19
159,257.60
4,616.20
154,641.40
1,546.41
156,187.81
20
156,187.81
4,616.20
151,571.61
1,515.72
153,087.33
21
153,087.33
4,616.20
148,471.13
1,484.71
149,955.84
22
149,955.84
4,616.20
145,339.64
1,453.40
146,793.04
23
146,793.04
4,616.20
142,176.84
1,421.77
143,598.61
24
143,598.61
4,616.20
138,982.41
1,389.82
140,372.23
25
140,372.23
4,616.20
135,756.03
1,357.56
137,113.59
26
137,113.59
4,616.20
132,497.39
1,324.97
133,822.36
27
133,822.36
4,616.20
129,206.16
1,292.06
130,498.22
28
130,498.22
4,616.20
125,882.02
1,258.82
127,140.84
29
127,140.84
4,616.20
122,524.64
1,225.25
123,749.89
30
123,749.89
4,616.20
119,133.69
1,191.34
120,325.03
31
120,325.03
4,616.20
115,708.83
1,157.09
116,865.92
32
116,865.92
4,616.20
112,249.72
1,122.50
113,372.22
33
113,372.22
4,616.20
108,756.02
1,087.56
109,843.58
34
109,843.58
4,616.20
105,227.38
1,052.27
106,279.65
35
106,279.65
4,616.20
101,663.45
1,016.63
102,680.08
36
102,680.08
4,616.20
98,063.88
980.64
99,044.52
37
99,044.52
4,616.20
94,428.32
944.28
95,372.60
38
95,372.60
4,616.20
90,756.40
907.56
91,663.96
39
91,663.96
4,616.20
87,047.76
870.48
87,918.24
40
87,918.24
4,616.20
83,302.04
833.02
84,135.06
41
84,135.06
4,616.20
79,518.86
795.19
80,314.05
42
80,314.05
4,616.20
75,697.85
756.98
76,454.83
43
76,454.83
4,616.20
71,838.63
718.39
72,557.02
44
72,557.02
4,616.20
67,940.82
679.41
68,620.23
45
68,620.23
4,616.20
64,004.03
640.04
64,644.07
CRITRIO DA
SALDO
PRESTAO
2. INTERPRET.
ANTERIOR
LQUIDA
NOVO SALDO
JUROS SOBRE
SALDO
O NOVO SALDO
DEVEDOR FINAL
46
64,644.07
4,616.20
60,027.87
600.28
60,628.15
47
60,628.15
4,616.20
56,011.95
560.12
56,572.07
48
56,572.07
4,616.20
51,955.87
519.56
52,475.43
49
52,475.43
4,616.20
47,859.23
478.59
48,337.82
50
48,337.82
4,616.20
43,721.62
437.22
44,158.84
51
44,158.84
4,616.20
39,542.64
395.43
39,938.07
52
39,938.07
4,616.20
35,321.87
353.22
35,675.09
53
35,675.09
4,616.20
31,058.89
310.59
31,369.48
54
31,369.48
4,616.20
26,753.28
267.53
27,020.81
55
27,020.81
4,616.20
22,404.61
224.05
22,628.66
56
22,628.66
4,616.20
18,012.46
180.12
18,192.58
57
18,192.58
4,616.20
13,576.38
135.76
13,712.14
58
13,712.14
4,616.20
9,095.94
90.96
9,186.90
59
9,186.90
4,616.20
4,570.70
45.71
4,616.41
60
4,616.41
4,616.20
0.21
0.00
0.21
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
CRITRIO DA
SALDO
PRESTAO
2. INTERPRET.
ANTERIOR
LQUIDA
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
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
NOVO SALDO
JUROS SOBRE
SALDO
O NOVO SALDO
DEVEDOR FINAL
CRITRIO DA
SALDO
PRESTAO
2. INTERPRET.
ANTERIOR
LQUIDA
138
139
140
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180
181
182
183
NOVO SALDO
JUROS SOBRE
SALDO
O NOVO SALDO
DEVEDOR FINAL
CRITRIO DA
SALDO
PRESTAO
2. INTERPRET.
ANTERIOR
LQUIDA
184
185
186
187
188
189
190
191
192
193
194
195
196
197
198
199
200
201
202
203
204
205
206
207
208
209
210
211
212
213
214
215
216
217
218
219
220
221
222
223
224
225
226
227
228
229
NOVO SALDO
JUROS SOBRE
SALDO
O NOVO SALDO
DEVEDOR FINAL
CRITRIO DA
SALDO
PRESTAO
2. INTERPRET.
ANTERIOR
LQUIDA
230
231
232
233
234
235
236
237
238
239
240
241
242
243
244
245
246
247
248
249
250
251
252
253
254
255
256
257
258
259
260
261
262
263
264
265
266
267
268
269
270
271
272
273
274
275
NOVO SALDO
JUROS SOBRE
SALDO
O NOVO SALDO
DEVEDOR FINAL

VERSÃO DEMO - Cálculo REVISIONAL

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PCFH_REVISIONAL - PLANILHA DE CLCULO REVISIONAL DE FINANCIAMENTO HABITACIONAL

Juros Compostos , Lei 4.380/64 art. 6. alnea "c" e Juros Simples.

Eng./ Analista de Sist. Demtrio Antunes Bassili

NESTA VERSO DEMO OS CAMPOS EM COR VERDE NO PERMITEM A ENTRADA DE DADOS

- INTRODUO DOS VALORES

- TOTAL ( Juros Compostos )

- TOTAL ( Juros Simples )

Fonte: Banco Central

Var.% dos Indexadores de Correo Monetria da Poupana desde JUL - 70

Fonte: Banco Central

TR - Diria _ 1 - 28 desde FEV - 91

- Var.% C. Monet. FH_RFGTS

Fonte: Caixa Econmica Federal

Var.% do Indexador de Correo Monetria para os Financiamentos Habitacionais

Var.% do INPC ( NDICE NACIONAL DE PREOS AO CONSUMIDOR - IBGE ) desde ABR - 79

Var.% do IGP - DI ( NDICE GERAL DE PREOS AO CONSUMIDOR EM DISPONIBILIDADE

Var.% do IGP - M ( NDICE GERAL DE PREOS NO MERCADO - FGV ) desde JUN - 89

Var.% do INCC - DI ( NDICE NACIONAL DO CUSTO DA CONSTRUO EM DISPONIBILIDADE

- CPLC ( Refin. Juros Simples )

OS CAMPOS EM COR VERDE NO PERMITEM A ENTRADA DE DADOS NESTA VERSO DEMONSTRATIVA

INTRODUO DOS VALORES

ANTES DE PROSSEGUIR NO DEIXE DE LER A SEO DESTA PLANILHA DENOMINADA COMO

12% por 360 dias equivalente a 0,948879% por 30 dias

Taxa de Juros por 30 dias

Para facilitar a observao do Quadro de Amortizao,

Nmero do ms ( 1. linha do Quadro de Amortiz. )

No imprima diretamente esta seo, proceda da seguinte forma:

Quadro de Evoluo do Saldo Devedor baseado em regime de JUROS COMPOSTOS

EM TODAS AS SEES DE TODAS AS PLANILHAS, TODO SALDO DEVEDOR NEGATIVO NO

DEVOLUO TODAS OS VALORES DAS

PRESTAES PAGAS EM EXCESSO DE ACORDO COM O CLCULO . INCLUSIVE CONSIDERANDO

ANTERIOR AO DA PRIMEIRA PRESTAO PAGA EM EXCESSO ( DA RELAO DE PRESTAES

BASTANDO APENAS COPIAR ( E SE PRECISO ACRESCENTAR ) AS VARIAES

PERCENTUAIS DE CORREO MONETRIA DO QUADRO DE ORIGEM .

12% por 360 dias equivalente a 0,948879% por 30 dias

Taxa de Juros por 30 dias

No imprima diretamente esta seo, proceda da seguinte forma:

Totalizao ( Juros Compostos )

Soma das Prestaes Lquidas

Valor Residual na ltima linha do Quadro de Amortizao

Total a Prazo Lquido

Total a Prazo Lquido

Acrscimo Total Lquido

Soma das Prestaes Lquidas

Soma dos pagamentos de Seguro de Morte ou Permanente Invalidez

Soma das Prestaes Mensais Totais

Soma das Prestaes Mensais Totais

Valor Residual na ltima linha do Quadro de Amortizao

Quadro de Evoluo do Saldo Devedor baseado na

Deseja alterar a estrutura da 1. INTERPRETAO :

EM TODAS AS SEES DE TODAS AS PLANILHAS, TODO SALDO DEVEDOR NEGATIVO NO

TODAS AS LINHAS DE TODOS OS TIPOS DIFERENTES DE QUADROS PARA NO CAUSAR

DEVOLUO TODAS OS VALORES DAS

PRESTAES PAGAS EM EXCESSO DE ACORDO COM O CLCULO . INCLUSIVE CONSIDERANDO

ANTERIOR AO DA PRIMEIRA PRESTAO PAGA EM EXCESSO ( DA RELAO DE PRESTAES

BASTANDO APENAS COPIAR ( E SE PRECISO ACRESCENTAR ) AS VARIAES

PERCENTUAIS DE CORREO MONETRIA DO QUADRO DE ORIGEM .

12% por 360 dias equivalente a 0,948879% por 30 dias

Taxa de Juros por 30 dias

No imprima diretamente esta seo, proceda da seguinte forma:

Soma das Prestaes Lquidas

Valor Residual na ltima linha do Quadro de Amortizao

Total a Prazo Lquido