Download - Analise Revisional Contrato Messias Toritama
PLANILHA DE CONVERSÃO DE CÁLCULO PARA REVISÕES DE CONTRATOSistema para retirar a capitalização de juros em contratos de financiamento
PLANILHA ATIVA
ENTRADA DE DADOS
Valor Financiado: R$ 43,552.49
Valor da Prestação: R$ 1,199.00
Prazo: 60Total de Pagas: 1
12/15/2011
Saldo Devedor Atual do Contrato: R$ 43,146.27Taxa Mensal Contrato: 1.690%Taxa Anual Capitalizada: 24.17%Taxa Mensal do Recálculo: 1.690%Total pago até o momento : R$ 1,199.00Total devido de prestações: R$ 70,741.00Total da dívida contrato inteiro: R$ 71,940.00
R$ 43,068.11R$ 57,557.51R$ 58,533.06
Prestação descapitalizada: R$ 975.55 R$ 42,844.66
Diferença paga a maior (Saldo Credor) : R$ 223.45
Prazo restante do Contrato: 59
R$ 973.26
Data do 1° Vencimento :
Saldo Devedor (Sistema Legal):Total devido (Sistema Legal) :Total da divida (Sistema Legal):
Saldo Devedor Atualizado :
Prestação Recalculada : 1 2 3 4 5 6 7 8 9 10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
-
100.00
200.00
300.00
400.00
500.00
600.00
700.00
800.00
900.00
Juros Contratados Juros Legais
Prazo
Juros
Licença Válida até: 30/11/10 ATIVA
PLANILHA DE CONVERSÃO DE CÁLCULO PARA REVISÕES DE CONTRATO
13,183.49
Sistema para retirar a capitalização de juros em contratos de financiamento
PLANILHA ATIVA
DADOS PARA AÇÃO
Tipo da Ação: Revisional
Taxa Mensal do Recálculo: 1.690%
Nome do Financiado: AnonimoBanco: Itaú S/A
Valor pago Tarifas (TAC,TEC,IOF,etc...) R$ 990.00Indébito atual :
Indébito em dobro : R$ 0.00Proveito Econômico com a Revisão: R$ 13,183.49
1 2 3 4 5 6 7 8 9 10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
-
100.00
200.00
300.00
400.00
500.00
600.00
700.00
800.00
900.00
Juros Contratados Juros Legais
Prazo
Juros
13,183.49
13,183.49
PLANILHA DEMONSTRATIVA / CONVERSÃO DE CÁLCULO
Titular do Contrato: AnonimoBanco: Itaú S/A
SISTEMA CONTRATADO SISTEMA RECALCULADO
Método Exponencial /Juros Compostos Método Linear /Juros Simples
Valor Financiado: R$ 43,552.49 Valor Financiado: R$ 43,552.49
Prazo: 60 Prazo: 60
Prestação: R$ 1,199.00 Prestação: R$ 1,199.00
Taxa de Juros Mensal: 1.69% Taxa de Juros Mensal: 1.69%
N° Vencimento Juros Amortização Juros Amortização
43,552.49 43,552.49
1 12/15/2011 1,199.00 792.78 406.22 43,146.27 975.55 491.17 484.38 43,068.11
2 1/15/2012 1,199.00 785.39 413.61 42,732.66 975.55 482.98 492.57 42,575.53
3 2/15/2012 1,199.00 777.86 421.14 42,311.52 975.55 474.79 500.76 42,074.78
4 3/15/2012 1,199.00 770.19 428.81 41,882.71 975.55 466.61 508.94 41,565.83
5 4/15/2012 1,199.00 762.39 436.61 41,446.10 975.55 458.42 517.13 41,048.70
6 5/15/2012 1,199.00 754.44 444.56 41,001.54 975.55 450.24 525.32 40,523.39
7 6/15/2012 1,199.00 746.35 452.65 40,548.88 975.55 442.05 533.50 39,989.89
8 7/15/2012 1,199.00 738.11 460.89 40,087.99 975.55 433.86 541.69 39,448.20
9 8/15/2012 1,199.00 729.72 469.28 39,618.71 975.55 425.68 549.87 38,898.33
10 9/15/2012 1,199.00 721.18 477.82 39,140.89 975.55 417.49 558.06 38,340.27
11 10/15/2012 1,199.00 712.48 486.52 38,654.36 975.55 409.31 566.25 37,774.02
12 11/15/2012 1,199.00 703.62 495.38 38,158.99 975.55 401.12 574.43 37,199.59
SOMATÓRIO DAS PRESTAÇÕES PAGAS - SISTEMA CONTRATADO R$ 1,199.00
SOMATÓRIO DAS PRESTAÇÕES PAGAS - SISTEMA RECALCULADO R$ 975.55
SALDO CREDOR ATUAL (DIFERENÇA PAGA A MAIOR) R$ 223.45
SALDO DEVEDOR RECÁLCULADO ATUAL R$ 43,068.11
SALDO DEVEDOR ATUALIZADO (Deduzindo Saldo Credor) R$ 42,844.66
VALOR PAGO REFERENTE A TARIFAS R$ 990.00
PRAZO RESTANTE DO FINANCIAMENTO 59Prestação Recalculada (Usando saldo credor a favor do financiado) R$ 973.26
Considerações: A presente planilha demonstra a conversão de cálculo do sistema contratado (Sistema de Amortização Price) para o (Método - Gauss) , os valores apontados como saldo credor ( pagos indevidamente referente a capitalização de juros)estão sendo usados na amortização do saldo devedor atual, resultando em uma nova prestação recalculada.
Prestação
Contratada
Saldo Devedor
Prestação Recalculada
Saldo Devedor
PLANILHA DEMONSTRATIVA / CONVERSÃO DE CÁLCULO
Titular do Contrato: AnonimoBanco: Itaú S/A
SISTEMA CONTRATADO SISTEMA RECALCULADO
Método Exponencial /Juros Compostos Método Linear /Juros Simples
Valor Financiado: R$ 43,552.49 Valor Financiado: R$ 43,552.49
Prazo: 60 Prazo: 60
Prestação: R$ 1,199.00 Prestação: R$ 1,199.00
Taxa de Juros Mensal: 1.69% Taxa de Juros Mensal: 1.69%
N° Vencimento Juros Amortização Juros Amortização
43,552.49
1 12/15/2011 1,199.00 792.78 406.22 43,146.27 975.55 491.17 484.38
2 1/15/2012 1,199.00 785.39 413.61 42,732.66 975.55 482.98 492.57
3 2/15/2012 1,199.00 777.86 421.14 42,311.52 975.55 474.79 500.76
4 3/15/2012 1,199.00 770.19 428.81 41,882.71 975.55 466.61 508.94
5 4/15/2012 1,199.00 762.39 436.61 41,446.10 975.55 458.42 517.13
6 5/15/2012 1,199.00 754.44 444.56 41,001.54 975.55 450.24 525.32
7 6/15/2012 1,199.00 746.35 452.65 40,548.88 975.55 442.05 533.50
8 7/15/2012 1,199.00 738.11 460.89 40,087.99 975.55 433.86 541.69
9 8/15/2012 1,199.00 729.72 469.28 39,618.71 975.55 425.68 549.87
10 9/15/2012 1,199.00 721.18 477.82 39,140.89 975.55 417.49 558.06
11 10/15/2012 1,199.00 712.48 486.52 38,654.36 975.55 409.31 566.25
12 11/15/2012 1,199.00 703.62 495.38 38,158.99 975.55 401.12 574.43
13 12/15/2012 1,199.00 694.60 504.40 37,654.59 975.55 392.93 582.62
14 1/15/2013 1,199.00 685.42 513.58 37,141.01 975.55 384.75 590.80
15 2/15/2013 1,199.00 676.07 522.93 36,618.09 975.55 376.56 598.99
16 3/15/2013 1,199.00 666.56 532.44 36,085.64 975.55 368.37 607.18
17 4/15/2013 1,199.00 656.86 542.14 35,543.51 975.55 360.19 615.36
18 5/15/2013 1,199.00 647.00 552.00 34,991.50 975.55 352.00 623.55
19 6/15/2013 1,199.00 636.95 562.05 34,429.45 975.55 343.82 631.73
20 7/15/2013 1,199.00 626.72 572.28 33,857.17 975.55 335.63 639.92
21 8/15/2013 1,199.00 616.30 582.70 33,274.46 975.55 327.44 648.11
22 9/15/2013 1,199.00 605.69 593.31 32,681.16 975.55 319.26 656.29
23 10/15/2013 1,199.00 594.89 604.11 32,077.05 975.55 311.07 664.48
24 11/15/2013 1,199.00 583.90 615.10 31,461.94 975.55 302.89 672.67
SOMATÓRIO DAS PRESTAÇÕES PAGAS - SISTEMA CONTRATADO R$ 1,199.00
SOMATÓRIO DAS PRESTAÇÕES PAGAS - SISTEMA RECALCULADO R$ 975.55
SALDO CREDOR ATUAL (DIFERENÇA PAGA A MAIOR) R$ 223.45
SALDO DEVEDOR RECÁLCULADO ATUAL R$ 43,068.11
SALDO DEVEDOR ATUALIZADO (Deduzindo Saldo Credor) R$ 42,844.66
VALOR PAGO REFERENTE A TARIFAS R$ 990.00
PRAZO RESTANTE DO FINANCIAMENTO 59Prestação Recalculada (Usando saldo credor a favor do financiado) R$ 973.26
Considerações: A presente planilha demonstra a conversão de cálculo do sistema contratado (Sistema de Amortização Price) para o (Método - Gauss) , os valores apontados como saldo credor ( pagos indevidamente referente a capitalização de juros)
Prestação
Contratada
Saldo Devedor
Prestação Recalculada
estão sendo usados na amortização do saldo devedor atual, resultando em uma nova prestação recalculada.
PLANILHA DEMONSTRATIVA / CONVERSÃO DE CÁLCULO
AnonimoItaú S/A
SISTEMA RECALCULADO
Método Linear /Juros Simples
R$ 43,552.49
60
R$ 1,199.00
1.69%
43,552.49
43,068.11
42,575.53
42,074.78
41,565.83
41,048.70
40,523.39
39,989.89
39,448.20
38,898.33
38,340.27
37,774.02
37,199.59
36,616.97
36,026.17
35,427.18
34,820.00
34,204.64
33,581.09
32,949.36
32,309.43
31,661.33
31,005.03
30,340.56
29,667.89
A presente planilha demonstra a conversão de cálculo do sistema contratado (Sistema de Amortização Price) para o (Método - Gauss) , os valores apontados como saldo credor ( pagos indevidamente referente a capitalização de juros)
Saldo Devedor
estão sendo usados na amortização do saldo devedor atual, resultando em uma nova prestação recalculada.
PLANILHA DEMONSTRATIVA / CONVERSÃO DE CÁLCULO
Titular do Contrato: AnonimoBanco: Itaú S/A
SISTEMA CONTRATADO SISTEMA RECALCULADO
Método Exponencial /Juros Compostos Método Linear /Juros Simples
Valor Financiado: R$ 43,552.49 Valor Financiado: R$ 43,552.49
Prazo: 60 Prazo: 60
Prestação: R$ 1,199.00 Prestação: R$ 1,199.00
Taxa de Juros Mensal: 1.69% Taxa de Juros Mensal: 1.69%
N° Vencimento Juros Amortização Juros AmortizaçãoSaldo Devedor
43,552.49 43,552.49
1 12/15/2011 1,199.00 792.78 406.22 43,146.27 975.55 491.17 484.38 43,068.11
2 1/15/2012 1,199.00 785.39 413.61 42,732.66 975.55 482.98 492.57 42,575.53
3 2/15/2012 1,199.00 777.86 421.14 42,311.52 975.55 474.79 500.76 42,074.78
4 3/15/2012 1,199.00 770.19 428.81 41,882.71 975.55 466.61 508.94 41,565.83
5 4/15/2012 1,199.00 762.39 436.61 41,446.10 975.55 458.42 517.13 41,048.70
6 5/15/2012 1,199.00 754.44 444.56 41,001.54 975.55 450.24 525.32 40,523.39
7 6/15/2012 1,199.00 746.35 452.65 40,548.88 975.55 442.05 533.50 39,989.89
8 7/15/2012 1,199.00 738.11 460.89 40,087.99 975.55 433.86 541.69 39,448.20
9 8/15/2012 1,199.00 729.72 469.28 39,618.71 975.55 425.68 549.87 38,898.33
10 9/15/2012 1,199.00 721.18 477.82 39,140.89 975.55 417.49 558.06 38,340.27
11 10/15/2012 1,199.00 712.48 486.52 38,654.36 975.55 409.31 566.25 37,774.02
12 11/15/2012 1,199.00 703.62 495.38 38,158.99 975.55 401.12 574.43 37,199.59
13 12/15/2012 1,199.00 694.60 504.40 37,654.59 975.55 392.93 582.62 36,616.97
14 1/15/2013 1,199.00 685.42 513.58 37,141.01 975.55 384.75 590.80 36,026.17
15 2/15/2013 1,199.00 676.07 522.93 36,618.09 975.55 376.56 598.99 35,427.18
16 3/15/2013 1,199.00 666.56 532.44 36,085.64 975.55 368.37 607.18 34,820.00
17 4/15/2013 1,199.00 656.86 542.14 35,543.51 975.55 360.19 615.36 34,204.64
18 5/15/2013 1,199.00 647.00 552.00 34,991.50 975.55 352.00 623.55 33,581.09
19 6/15/2013 1,199.00 636.95 562.05 34,429.45 975.55 343.82 631.73 32,949.36
20 7/15/2013 1,199.00 626.72 572.28 33,857.17 975.55 335.63 639.92 32,309.43
21 8/15/2013 1,199.00 616.30 582.70 33,274.46 975.55 327.44 648.11 31,661.33
22 9/15/2013 1,199.00 605.69 593.31 32,681.16 975.55 319.26 656.29 31,005.03
23 10/15/2013 1,199.00 594.89 604.11 32,077.05 975.55 311.07 664.48 30,340.56
24 11/15/2013 1,199.00 583.90 615.10 31,461.94 975.55 302.89 672.67 29,667.89
25 12/15/2013 1,199.00 572.70 626.30 30,835.64 975.55 294.70 680.85 28,987.04
26 1/15/2014 1,199.00 561.30 637.70 30,197.94 975.55 286.51 689.04 28,298.00
27 2/15/2014 1,199.00 549.69 649.31 29,548.63 975.55 278.33 697.22 27,600.78
28 3/15/2014 1,199.00 537.87 661.13 28,887.50 975.55 270.14 705.41 26,895.37
29 4/15/2014 1,199.00 525.84 673.16 28,214.34 975.55 261.96 713.60 26,181.77
30 5/15/2014 1,199.00 513.58 685.42 27,528.92 975.55 253.77 721.78 25,459.99
31 6/15/2014 1,199.00 501.11 697.89 26,831.03 975.55 245.58 729.97 24,730.02
32 7/15/2014 1,199.00 488.40 710.60 26,120.43 975.55 237.40 738.15 23,991.87
33 8/15/2014 1,199.00 475.47 723.53 25,396.90 975.55 229.21 746.34 23,245.53
34 9/15/2014 1,199.00 462.30 736.70 24,660.20 975.55 221.02 754.53 22,491.00
35 10/15/2014 1,199.00 448.89 750.11 23,910.08 975.55 212.84 762.71 21,728.29
36 11/15/2014 1,199.00 435.23 763.77 23,146.32 975.55 204.65 770.90 20,957.39
Prestação
Contratada
Saldo
Devedor
Prestação
Recalculada
SOMATÓRIO DAS PRESTAÇÕES PAGAS - SISTEMA CONTRATADO R$ 1,199.00
SOMATÓRIO DAS PRESTAÇÕES PAGAS - SISTEMA RECALCULADO R$ 975.55
SALDO CREDOR ATUAL (DIFERENÇA PAGA A MAIOR) R$ 223.45
SALDO DEVEDOR RECÁLCULADO ATUAL R$ 43,068.11
SALDO DEVEDOR ATUALIZADO (Deduzindo Saldo Credor) R$ 42,844.66
VALOR PAGO REFERENTE A TARIFAS R$ 990.00
PRAZO RESTANTE DO FINANCIAMENTO 59Prestação Recalculada (Usando saldo credor a favor do financiado) R$ 973.26
Considerações: A presente planilha demonstra a conversão de cálculo do sistema contratado (Sistema de Amortização Price) para o (Método - Gauss) , os valores apontados como saldo credor ( pagos indevidamente referente a capitalização de juros)estão sendo usados na amortização do saldo devedor atual, resultando em uma nova prestação recalculada.
PLANILHA DEMONSTRATIVA / CONVERSÃO DE CÁLCULO
Titular do Contrato: AnonimoBanco: Itaú S/A
SISTEMA CONTRATADO SISTEMA RECALCULADO
Método Exponencial /Juros Compostos Método Linear /Juros Simples
Valor Financiado: R$ 43,552.49 Valor Financiado: R$ 43,552.49
Prazo: 60 Prazo: 60
Prestação: R$ 1,199.00 Prestação: R$ 1,199.00
Taxa de Juros Mensal: 1.69% Taxa de Juros Mensal: 1.69%
N° Vencimento Juros Amortização Juros Amortização
43,552.49 43,552.49
1 12/15/2011 1,199.00 792.78 406.22 43,146.27 975.55 491.17 484.38 43,068.11
2 1/15/2012 1,199.00 785.39 413.61 42,732.66 975.55 482.98 492.57 42,575.53
3 2/15/2012 1,199.00 777.86 421.14 42,311.52 975.55 474.79 500.76 42,074.78
4 3/15/2012 1,199.00 770.19 428.81 41,882.71 975.55 466.61 508.94 41,565.83
5 4/15/2012 1,199.00 762.39 436.61 41,446.10 975.55 458.42 517.13 41,048.70
6 5/15/2012 1,199.00 754.44 444.56 41,001.54 975.55 450.24 525.32 40,523.39
7 6/15/2012 1,199.00 746.35 452.65 40,548.88 975.55 442.05 533.50 39,989.89
8 7/15/2012 1,199.00 738.11 460.89 40,087.99 975.55 433.86 541.69 39,448.20
9 8/15/2012 1,199.00 729.72 469.28 39,618.71 975.55 425.68 549.87 38,898.33
10 9/15/2012 1,199.00 721.18 477.82 39,140.89 975.55 417.49 558.06 38,340.27
11 10/15/2012 1,199.00 712.48 486.52 38,654.36 975.55 409.31 566.25 37,774.02
12 11/15/2012 1,199.00 703.62 495.38 38,158.99 975.55 401.12 574.43 37,199.59
13 12/15/2012 1,199.00 694.60 504.40 37,654.59 975.55 392.93 582.62 36,616.97
14 1/15/2013 1,199.00 685.42 513.58 37,141.01 975.55 384.75 590.80 36,026.17
15 2/15/2013 1,199.00 676.07 522.93 36,618.09 975.55 376.56 598.99 35,427.18
16 3/15/2013 1,199.00 666.56 532.44 36,085.64 975.55 368.37 607.18 34,820.00
17 4/15/2013 1,199.00 656.86 542.14 35,543.51 975.55 360.19 615.36 34,204.64
18 5/15/2013 1,199.00 647.00 552.00 34,991.50 975.55 352.00 623.55 33,581.09
19 6/15/2013 1,199.00 636.95 562.05 34,429.45 975.55 343.82 631.73 32,949.36
20 7/15/2013 1,199.00 626.72 572.28 33,857.17 975.55 335.63 639.92 32,309.43
21 8/15/2013 1,199.00 616.30 582.70 33,274.46 975.55 327.44 648.11 31,661.33
22 9/15/2013 1,199.00 605.69 593.31 32,681.16 975.55 319.26 656.29 31,005.03
23 10/15/2013 1,199.00 594.89 604.11 32,077.05 975.55 311.07 664.48 30,340.56
24 11/15/2013 1,199.00 583.90 615.10 31,461.94 975.55 302.89 672.67 29,667.89
25 12/15/2013 1,199.00 572.70 626.30 30,835.64 975.55 294.70 680.85 28,987.04
26 1/15/2014 1,199.00 561.30 637.70 30,197.94 975.55 286.51 689.04 28,298.00
27 2/15/2014 1,199.00 549.69 649.31 29,548.63 975.55 278.33 697.22 27,600.78
28 3/15/2014 1,199.00 537.87 661.13 28,887.50 975.55 270.14 705.41 26,895.37
29 4/15/2014 1,199.00 525.84 673.16 28,214.34 975.55 261.96 713.60 26,181.77
30 5/15/2014 1,199.00 513.58 685.42 27,528.92 975.55 253.77 721.78 25,459.99
31 6/15/2014 1,199.00 501.11 697.89 26,831.03 975.55 245.58 729.97 24,730.02
32 7/15/2014 1,199.00 488.40 710.60 26,120.43 975.55 237.40 738.15 23,991.87
33 8/15/2014 1,199.00 475.47 723.53 25,396.90 975.55 229.21 746.34 23,245.53
34 9/15/2014 1,199.00 462.30 736.70 24,660.20 975.55 221.02 754.53 22,491.00
35 10/15/2014 1,199.00 448.89 750.11 23,910.08 975.55 212.84 762.71 21,728.29
36 11/15/2014 1,199.00 435.23 763.77 23,146.32 975.55 204.65 770.90 20,957.39
37 12/15/2014 1,199.00 421.33 777.67 22,368.65 975.55 196.47 779.08 20,178.31
38 1/15/2015 1,199.00 407.17 791.83 21,576.82 975.55 188.28 787.27 19,391.04
39 2/15/2015 1,199.00 392.76 806.24 20,770.58 975.55 180.09 795.46 18,595.58
Prestação
Contratada
Saldo
Devedor
Prestação
Recalculada
Saldo
Devedor
40 3/15/2015 1,199.00 378.09 820.91 19,949.67 975.55 171.91 803.64 17,791.94
41 4/15/2015 1,199.00 363.14 835.86 19,113.81 975.55 163.72 811.83 16,980.11
42 5/15/2015 1,199.00 347.93 851.07 18,262.74 975.55 155.54 820.02 16,160.09
43 6/15/2015 1,199.00 332.43 866.57 17,396.17 975.55 147.35 828.20 15,331.89
44 7/15/2015 1,199.00 316.66 882.34 16,513.83 975.55 139.16 836.39 14,495.51
45 8/15/2015 1,199.00 300.60 898.40 15,615.43 975.55 130.98 844.57 13,650.93
46 9/15/2015 1,199.00 284.25 914.75 14,700.68 975.55 122.79 852.76 12,798.17
47 10/15/2015 1,199.00 267.60 931.40 13,769.27 975.55 114.61 860.95 11,937.23
48 11/15/2015 1,199.00 250.64 948.36 12,820.91 975.55 106.42 869.13 11,068.10
SOMATÓRIO DAS PRESTAÇÕES PAGAS - SISTEMA CONTRATADO R$ 1,199.00
SOMATÓRIO DAS PRESTAÇÕES PAGAS - SISTEMA RECALCULADO R$ 975.55
SALDO CREDOR ATUAL (DIFERENÇA PAGA A MAIOR) R$ 223.45
SALDO DEVEDOR RECÁLCULADO ATUAL R$ 43,068.11
SALDO DEVEDOR ATUALIZADO (Deduzindo Saldo Credor) R$ 42,844.66
VALOR PAGO REFERENTE A TARIFAS R$ 990.00
PRAZO RESTANTE DO FINANCIAMENTO 59Prestação Recalculada (Usando saldo credor a favor do financiado) R$ 973.26
Considerações: A presente planilha demonstra a conversão de cálculo do sistema contratado (Sistema de Amortização Price) para o (Método - Gauss) , os valores apontados como saldo credor ( pagos indevidamente referente a capitalização de juros)estão sendo usados na amortização do saldo devedor atual, resultando em uma nova prestação recalculada.
PLANILHA DEMONSTRATIVA / CONVERSÃO DE CÁLCULO
Titular do Contrato: AnonimoBanco: Itaú S/A
SISTEMA CONTRATADO SISTEMA RECALCULADO
Método Exponencial /Juros Compostos Método Linear /Juros Simples
Valor Financiado: R$ 43,552.49 Valor Financiado: R$ 43,552.49
Prazo: 60 Prazo: 60
Prestação: R$ 1,199.00 Prestação: R$ 1,199.00
Taxa de Juros Mensal: 1.69% Taxa de Juros Mensal: 1.69%
N° Vencimento Juros Amortização Juros Amortização
43,552.49 43,552.49
1 12/15/2011 1,199.00 792.78 406.22 43,146.27 975.55 491.17 484.38 43,068.11
2 1/15/2012 1,199.00 785.39 413.61 42,732.66 975.55 482.98 492.57 42,575.53
3 2/15/2012 1,199.00 777.86 421.14 42,311.52 975.55 474.79 500.76 42,074.78
4 3/15/2012 1,199.00 770.19 428.81 41,882.71 975.55 466.61 508.94 41,565.83
5 4/15/2012 1,199.00 762.39 436.61 41,446.10 975.55 458.42 517.13 41,048.70
6 5/15/2012 1,199.00 754.44 444.56 41,001.54 975.55 450.24 525.32 40,523.39
7 6/15/2012 1,199.00 746.35 452.65 40,548.88 975.55 442.05 533.50 39,989.89
8 7/15/2012 1,199.00 738.11 460.89 40,087.99 975.55 433.86 541.69 39,448.20
9 8/15/2012 1,199.00 729.72 469.28 39,618.71 975.55 425.68 549.87 38,898.33
10 9/15/2012 1,199.00 721.18 477.82 39,140.89 975.55 417.49 558.06 38,340.27
11 10/15/2012 1,199.00 712.48 486.52 38,654.36 975.55 409.31 566.25 37,774.02
12 11/15/2012 1,199.00 703.62 495.38 38,158.99 975.55 401.12 574.43 37,199.59
13 12/15/2012 1,199.00 694.60 504.40 37,654.59 975.55 392.93 582.62 36,616.97
14 1/15/2013 1,199.00 685.42 513.58 37,141.01 975.55 384.75 590.80 36,026.17
15 2/15/2013 1,199.00 676.07 522.93 36,618.09 975.55 376.56 598.99 35,427.18
16 3/15/2013 1,199.00 666.56 532.44 36,085.64 975.55 368.37 607.18 34,820.00
17 4/15/2013 1,199.00 656.86 542.14 35,543.51 975.55 360.19 615.36 34,204.64
18 5/15/2013 1,199.00 647.00 552.00 34,991.50 975.55 352.00 623.55 33,581.09
19 6/15/2013 1,199.00 636.95 562.05 34,429.45 975.55 343.82 631.73 32,949.36
20 7/15/2013 1,199.00 626.72 572.28 33,857.17 975.55 335.63 639.92 32,309.43
21 8/15/2013 1,199.00 616.30 582.70 33,274.46 975.55 327.44 648.11 31,661.33
22 9/15/2013 1,199.00 605.69 593.31 32,681.16 975.55 319.26 656.29 31,005.03
23 10/15/2013 1,199.00 594.89 604.11 32,077.05 975.55 311.07 664.48 30,340.56
24 11/15/2013 1,199.00 583.90 615.10 31,461.94 975.55 302.89 672.67 29,667.89
25 12/15/2013 1,199.00 572.70 626.30 30,835.64 975.55 294.70 680.85 28,987.04
26 1/15/2014 1,199.00 561.30 637.70 30,197.94 975.55 286.51 689.04 28,298.00
27 2/15/2014 1,199.00 549.69 649.31 29,548.63 975.55 278.33 697.22 27,600.78
28 3/15/2014 1,199.00 537.87 661.13 28,887.50 975.55 270.14 705.41 26,895.37
29 4/15/2014 1,199.00 525.84 673.16 28,214.34 975.55 261.96 713.60 26,181.77
30 5/15/2014 1,199.00 513.58 685.42 27,528.92 975.55 253.77 721.78 25,459.99
31 6/15/2014 1,199.00 501.11 697.89 26,831.03 975.55 245.58 729.97 24,730.02
32 7/15/2014 1,199.00 488.40 710.60 26,120.43 975.55 237.40 738.15 23,991.87
33 8/15/2014 1,199.00 475.47 723.53 25,396.90 975.55 229.21 746.34 23,245.53
34 9/15/2014 1,199.00 462.30 736.70 24,660.20 975.55 221.02 754.53 22,491.00
35 10/15/2014 1,199.00 448.89 750.11 23,910.08 975.55 212.84 762.71 21,728.29
36 11/15/2014 1,199.00 435.23 763.77 23,146.32 975.55 204.65 770.90 20,957.39
37 12/15/2014 1,199.00 421.33 777.67 22,368.65 975.55 196.47 779.08 20,178.31
38 1/15/2015 1,199.00 407.17 791.83 21,576.82 975.55 188.28 787.27 19,391.04
39 2/15/2015 1,199.00 392.76 806.24 20,770.58 975.55 180.09 795.46 18,595.58
Prestação
Contratada
Saldo
Devedor
Prestação
Recalculada
Saldo
Devedor
40 3/15/2015 1,199.00 378.09 820.91 19,949.67 975.55 171.91 803.64 17,791.94
41 4/15/2015 1,199.00 363.14 835.86 19,113.81 975.55 163.72 811.83 16,980.11
42 5/15/2015 1,199.00 347.93 851.07 18,262.74 975.55 155.54 820.02 16,160.09
43 6/15/2015 1,199.00 332.43 866.57 17,396.17 975.55 147.35 828.20 15,331.89
44 7/15/2015 1,199.00 316.66 882.34 16,513.83 975.55 139.16 836.39 14,495.51
45 8/15/2015 1,199.00 300.60 898.40 15,615.43 975.55 130.98 844.57 13,650.93
46 9/15/2015 1,199.00 284.25 914.75 14,700.68 975.55 122.79 852.76 12,798.17
47 10/15/2015 1,199.00 267.60 931.40 13,769.27 975.55 114.61 860.95 11,937.23
48 11/15/2015 1,199.00 250.64 948.36 12,820.91 975.55 106.42 869.13 11,068.10
49 12/15/2015 1,199.00 233.38 965.62 11,855.29 975.55 98.23 877.32 10,190.78
50 1/15/2016 1,199.00 215.80 983.20 10,872.09 975.55 90.05 885.50 9,305.27
51 2/15/2016 1,199.00 197.90 1,001.10 9,871.00 975.55 81.86 893.69 8,411.58
52 3/15/2016 1,199.00 179.68 1,019.32 8,851.68 975.55 73.67 901.88 7,509.71
53 4/15/2016 1,199.00 161.13 1,037.87 7,813.80 975.55 65.49 910.06 6,599.65
54 5/15/2016 1,199.00 142.23 1,056.77 6,757.04 975.55 57.30 918.25 5,681.40
55 6/15/2016 1,199.00 123.00 1,076.00 5,681.04 975.55 49.12 926.43 4,754.96
56 7/15/2016 1,199.00 103.41 1,095.59 4,585.45 975.55 40.93 934.62 3,820.34
57 8/15/2016 1,199.00 83.47 1,115.53 3,469.92 975.55 32.74 942.81 2,877.54
58 9/15/2016 1,199.00 63.16 1,135.84 2,334.08 975.55 24.56 950.99 1,926.54
59 10/15/2016 1,199.00 42.49 1,156.51 1,177.56 975.55 16.37 959.18 967.36
60 11/15/2016 1,199.00 21.44 1,177.56 0.00 975.55 8.19 967.36 0.00
SOMATÓRIO DAS PRESTAÇÕES PAGAS - SISTEMA CONTRATADO R$ 1,199.00
SOMATÓRIO DAS PRESTAÇÕES PAGAS - SISTEMA RECALCULADO R$ 975.55
SALDO CREDOR ATUAL (DIFERENÇA PAGA A MAIOR) R$ 223.45
SALDO DEVEDOR RECÁLCULADO ATUAL R$ 43,068.11
SALDO DEVEDOR ATUALIZADO (Deduzindo Saldo Credor) R$ 42,844.66
VALOR PAGO REFERENTE A TARIFAS R$ 990.00
PRAZO RESTANTE DO FINANCIAMENTO 59Prestação Recalculada (Usando saldo credor a favor do financiado) R$ 973.26
Considerações: A presente planilha demonstra a conversão de cálculo do sistema contratado (Sistema de Amortização Price) para o (Método - Gauss) , os valores apontados como saldo credor ( pagos indevidamente referente a capitalização de juros)estão sendo usados na amortização do saldo devedor atual, resultando em uma nova prestação recalculada.
PLANILHA DEMONSTRATIVA / CONVERSÃO DE CÁLCULO
Titular do Contrato: AnonimoBanco: Itaú S/A
SISTEMA CONTRATADO SISTEMA RECALCULADO
Método Exponencial /Juros Compostos Método Linear /Juros Simples
Valor Financiado: R$ 43,552.49 Valor Financiado: R$ 43,552.49
Prazo: 60 Prazo: 60
Prestação: R$ 1,199.00 Prestação: R$ 1,199.00
Taxa de Juros Mensal: 1.69% Taxa de Juros Mensal: 1.69%
N° Vencimento Juros Amortização Juros Amortização
43,552.49 43,552.49
1 12/15/2011 1,199.00 792.78 406.22 43,146.27 975.55 491.17 484.38 43,068.11
2 1/15/2012 1,199.00 785.39 413.61 42,732.66 975.55 482.98 492.57 42,575.53
3 2/15/2012 1,199.00 777.86 421.14 42,311.52 975.55 474.79 500.76 42,074.78
4 3/15/2012 1,199.00 770.19 428.81 41,882.71 975.55 466.61 508.94 41,565.83
5 4/15/2012 1,199.00 762.39 436.61 41,446.10 975.55 458.42 517.13 41,048.70
6 5/15/2012 1,199.00 754.44 444.56 41,001.54 975.55 450.24 525.32 40,523.39
7 6/15/2012 1,199.00 746.35 452.65 40,548.88 975.55 442.05 533.50 39,989.89
8 7/15/2012 1,199.00 738.11 460.89 40,087.99 975.55 433.86 541.69 39,448.20
9 8/15/2012 1,199.00 729.72 469.28 39,618.71 975.55 425.68 549.87 38,898.33
10 9/15/2012 1,199.00 721.18 477.82 39,140.89 975.55 417.49 558.06 38,340.27
11 10/15/2012 1,199.00 712.48 486.52 38,654.36 975.55 409.31 566.25 37,774.02
12 11/15/2012 1,199.00 703.62 495.38 38,158.99 975.55 401.12 574.43 37,199.59
13 12/15/2012 1,199.00 694.60 504.40 37,654.59 975.55 392.93 582.62 36,616.97
14 1/15/2013 1,199.00 685.42 513.58 37,141.01 975.55 384.75 590.80 36,026.17
15 2/15/2013 1,199.00 676.07 522.93 36,618.09 975.55 376.56 598.99 35,427.18
16 3/15/2013 1,199.00 666.56 532.44 36,085.64 975.55 368.37 607.18 34,820.00
17 4/15/2013 1,199.00 656.86 542.14 35,543.51 975.55 360.19 615.36 34,204.64
18 5/15/2013 1,199.00 647.00 552.00 34,991.50 975.55 352.00 623.55 33,581.09
19 6/15/2013 1,199.00 636.95 562.05 34,429.45 975.55 343.82 631.73 32,949.36
20 7/15/2013 1,199.00 626.72 572.28 33,857.17 975.55 335.63 639.92 32,309.43
21 8/15/2013 1,199.00 616.30 582.70 33,274.46 975.55 327.44 648.11 31,661.33
22 9/15/2013 1,199.00 605.69 593.31 32,681.16 975.55 319.26 656.29 31,005.03
23 10/15/2013 1,199.00 594.89 604.11 32,077.05 975.55 311.07 664.48 30,340.56
24 11/15/2013 1,199.00 583.90 615.10 31,461.94 975.55 302.89 672.67 29,667.89
25 12/15/2013 1,199.00 572.70 626.30 30,835.64 975.55 294.70 680.85 28,987.04
26 1/15/2014 1,199.00 561.30 637.70 30,197.94 975.55 286.51 689.04 28,298.00
27 2/15/2014 1,199.00 549.69 649.31 29,548.63 975.55 278.33 697.22 27,600.78
28 3/15/2014 1,199.00 537.87 661.13 28,887.50 975.55 270.14 705.41 26,895.37
29 4/15/2014 1,199.00 525.84 673.16 28,214.34 975.55 261.96 713.60 26,181.77
30 5/15/2014 1,199.00 513.58 685.42 27,528.92 975.55 253.77 721.78 25,459.99
31 6/15/2014 1,199.00 501.11 697.89 26,831.03 975.55 245.58 729.97 24,730.02
32 7/15/2014 1,199.00 488.40 710.60 26,120.43 975.55 237.40 738.15 23,991.87
33 8/15/2014 1,199.00 475.47 723.53 25,396.90 975.55 229.21 746.34 23,245.53
34 9/15/2014 1,199.00 462.30 736.70 24,660.20 975.55 221.02 754.53 22,491.00
35 10/15/2014 1,199.00 448.89 750.11 23,910.08 975.55 212.84 762.71 21,728.29
36 11/15/2014 1,199.00 435.23 763.77 23,146.32 975.55 204.65 770.90 20,957.39
37 12/15/2014 1,199.00 421.33 777.67 22,368.65 975.55 196.47 779.08 20,178.31
38 1/15/2015 1,199.00 407.17 791.83 21,576.82 975.55 188.28 787.27 19,391.04
39 2/15/2015 1,199.00 392.76 806.24 20,770.58 975.55 180.09 795.46 18,595.58
Prestação
Contratada
Saldo
Devedor
Prestação
Recalculada
Saldo
Devedor
40 3/15/2015 1,199.00 378.09 820.91 19,949.67 975.55 171.91 803.64 17,791.94
41 4/15/2015 1,199.00 363.14 835.86 19,113.81 975.55 163.72 811.83 16,980.11
42 5/15/2015 1,199.00 347.93 851.07 18,262.74 975.55 155.54 820.02 16,160.09
43 6/15/2015 1,199.00 332.43 866.57 17,396.17 975.55 147.35 828.20 15,331.89
44 7/15/2015 1,199.00 316.66 882.34 16,513.83 975.55 139.16 836.39 14,495.51
45 8/15/2015 1,199.00 300.60 898.40 15,615.43 975.55 130.98 844.57 13,650.93
46 9/15/2015 1,199.00 284.25 914.75 14,700.68 975.55 122.79 852.76 12,798.17
47 10/15/2015 1,199.00 267.60 931.40 13,769.27 975.55 114.61 860.95 11,937.23
48 11/15/2015 1,199.00 250.64 948.36 12,820.91 975.55 106.42 869.13 11,068.10
49 12/15/2015 1,199.00 233.38 965.62 11,855.29 975.55 98.23 877.32 10,190.78
50 1/15/2016 1,199.00 215.80 983.20 10,872.09 975.55 90.05 885.50 9,305.27
51 2/15/2016 1,199.00 197.90 1,001.10 9,871.00 975.55 81.86 893.69 8,411.58
52 3/15/2016 1,199.00 179.68 1,019.32 8,851.68 975.55 73.67 901.88 7,509.71
53 4/15/2016 1,199.00 161.13 1,037.87 7,813.80 975.55 65.49 910.06 6,599.65
54 5/15/2016 1,199.00 142.23 1,056.77 6,757.04 975.55 57.30 918.25 5,681.40
55 6/15/2016 1,199.00 123.00 1,076.00 5,681.04 975.55 49.12 926.43 4,754.96
56 7/15/2016 1,199.00 103.41 1,095.59 4,585.45 975.55 40.93 934.62 3,820.34
57 8/15/2016 1,199.00 83.47 1,115.53 3,469.92 975.55 32.74 942.81 2,877.54
58 9/15/2016 1,199.00 63.16 1,135.84 2,334.08 975.55 24.56 950.99 1,926.54
59 10/15/2016 1,199.00 42.49 1,156.51 1,177.56 975.55 16.37 959.18 967.36
60 11/15/2016 1,199.00 21.44 1,177.56 0.00 975.55 8.19 967.36 0.00
61 12/15/2016 1,199.00 0.00 1,199.00 -1,199.00 975.55 0.00 975.55 -975.55
62 1/15/2017 1,199.00 -21.83 1,220.83 -2,419.83 975.55 -8.19 983.74 -1,959.29
63 2/15/2017 1,199.00 -44.05 1,243.05 -3,662.87 975.55 -16.37 991.92 -2,951.21
64 3/15/2017 1,199.00 -66.67 1,265.67 -4,928.55 975.55 -24.56 1,000.11 -3,951.32
65 4/15/2017 1,199.00 -89.71 1,288.71 -6,217.26 975.55 -32.74 1,008.30 -4,959.62
66 5/15/2017 1,199.00 -113.17 1,312.17 -7,529.43 975.55 -40.93 1,016.48 -5,976.10
67 6/15/2017 1,199.00 -137.06 1,336.06 -8,865.49 975.55 -49.12 1,024.67 -7,000.76
68 7/15/2017 1,199.00 -161.38 1,360.38 -10,225.87 975.55 -57.30 1,032.85 -8,033.62
69 8/15/2017 1,199.00 -186.14 1,385.14 -11,611.01 975.55 -65.49 1,041.04 -9,074.66
70 9/15/2017 1,199.00 -211.35 1,410.35 -13,021.36 975.55 -73.67 1,049.23 -10,123.88
71 10/15/2017 1,199.00 -237.03 1,436.03 -14,457.39 975.55 -81.86 1,057.41 -11,181.30
72 11/15/2017 1,199.00 -263.17 1,462.17 -15,919.56 975.55 -90.05 1,065.60 -12,246.89
SOMATÓRIO DAS PRESTAÇÕES PAGAS - SISTEMA CONTRATADO R$ 1,199.00
SOMATÓRIO DAS PRESTAÇÕES PAGAS - SISTEMA RECALCULADO R$ 975.55
SALDO CREDOR ATUAL (DIFERENÇA PAGA A MAIOR) R$ 223.45
SALDO DEVEDOR RECÁLCULADO ATUAL R$ 43,068.11
SALDO DEVEDOR ATUALIZADO (Deduzindo Saldo Credor) R$ 42,844.66
VALOR PAGO REFERENTE A TARIFAS R$ 990.00
PRAZO RESTANTE DO FINANCIAMENTO 59Prestação Recalculada (Usando saldo credor a favor do financiado) R$ 973.26
Considerações: A presente planilha demonstra a conversão de cálculo do sistema contratado (Sistema de Amortização Price) para o (Método - Gauss) , os valores apontados como saldo credor ( pagos indevidamente referente a capitalização de juros)estão sendo usados na amortização do saldo devedor atual, resultando em uma nova prestação recalculada.
PRICE
Valor Financiado: R$ 43,552.49
Valor da Prestação: R$ 1,199.00
Prazo: 60
Total de Pagas: 1Taxa Mensal Contrato: 1.820%Taxa Anual Contrato: 24.17%Saldo Devedor Atual: 43,146.27Dia 15Mês 12Ano 2011
N° Prestação Juros Amortização Saldo Devedor43,552.49
1 1199.00 792.78 406.22 43,146.27 2 1199.00 785.39 413.61 42,732.66 3 1199.00 777.86 421.14 42,311.52 4 1199.00 770.19 428.81 41,882.71 5 1199.00 762.39 436.61 41,446.10 6 1199.00 754.44 444.56 41,001.54 7 1199.00 746.35 452.65 40,548.88 8 1199.00 738.11 460.89 40,087.99 9 1199.00 729.72 469.28 39,618.71
10 1199.00 721.18 477.82 39,140.89 11 1199.00 712.48 486.52 38,654.36 12 1199.00 703.62 495.38 38,158.99 13 1199.00 694.60 504.40 37,654.59 14 1199.00 685.42 513.58 37,141.01 15 1199.00 676.07 522.93 36,618.09 16 1199.00 666.56 532.44 36,085.64 17 1199.00 656.86 542.14 35,543.51 18 1199.00 647.00 552.00 34,991.50 19 1199.00 636.95 562.05 34,429.45 20 1199.00 626.72 572.28 33,857.17 21 1199.00 616.30 582.70 33,274.46 22 1199.00 605.69 593.31 32,681.16 23 1199.00 594.89 604.11 32,077.05 24 1199.00 583.90 615.10 31,461.94 25 1199.00 572.70 626.30 30,835.64 26 1199.00 561.30 637.70 30,197.94 27 1199.00 549.69 649.31 29,548.63 28 1199.00 537.87 661.13 28,887.50 29 1199.00 525.84 673.16 28,214.34 30 1199.00 513.58 685.42 27,528.92 31 1199.00 501.11 697.89 26,831.03 32 1199.00 488.40 710.60 26,120.43
33 1199.00 475.47 723.53 25,396.90 34 1199.00 462.30 736.70 24,660.20 35 1199.00 448.89 750.11 23,910.08 36 1199.00 435.23 763.77 23,146.32 37 1199.00 421.33 777.67 22,368.65 38 1199.00 407.17 791.83 21,576.82 39 1199.00 392.76 806.24 20,770.58 40 1199.00 378.09 820.91 19,949.67 41 1199.00 363.14 835.86 19,113.81 42 1199.00 347.93 851.07 18,262.74 43 1199.00 332.43 866.57 17,396.17 44 1199.00 316.66 882.34 16,513.83 45 1199.00 300.60 898.40 15,615.43 46 1199.00 284.25 914.75 14,700.68 47 1199.00 267.60 931.40 13,769.27 48 1199.00 250.64 948.36 12,820.91 49 1199.00 233.38 965.62 11,855.29 50 1199.00 215.80 983.20 10,872.09 51 1199.00 197.90 1,001.10 9,871.00 52 1199.00 179.68 1,019.32 8,851.68 53 1199.00 161.13 1,037.87 7,813.80 54 1199.00 142.23 1,056.77 6,757.04 55 1199.00 123.00 1,076.00 5,681.04 56 1199.00 103.41 1,095.59 4,585.45 57 1199.00 83.47 1,115.53 3,469.92 58 1199.00 63.16 1,135.84 2,334.08 59 1199.00 42.49 1,156.51 1,177.56 60 1199.00 21.44 1,177.56 0.00 61 1199.00 0.00 1,199.00 (1,199.00)62 1199.00 (21.83) 1,220.83 (2,419.83)63 1199.00 (44.05) 1,243.05 (3,662.87)64 1199.00 (66.67) 1,265.67 (4,928.55)65 1199.00 (89.71) 1,288.71 (6,217.26)66 1199.00 (113.17) 1,312.17 (7,529.43)67 1199.00 (137.06) 1,336.06 (8,865.49)68 1199.00 (161.38) 1,360.38 (10,225.87)69 1199.00 (186.14) 1,385.14 (11,611.01)70 1199.00 (211.35) 1,410.35 (13,021.36)71 1199.00 (237.03) 1,436.03 (14,457.39)72 1199.00 (263.17) 1,462.17 (15,919.56)73 1199.00 (289.78) 1,488.78 (17,408.34)74 1199.00 (316.88) 1,515.88 (18,924.22)75 1199.00 (344.48) 1,543.48 (20,467.70)76 1199.00 (372.57) 1,571.57 (22,039.27)77 1199.00 (401.18) 1,600.18 (23,639.45)78 1199.00 (430.31) 1,629.31 (25,268.76)79 1199.00 (459.96) 1,658.96 (26,927.72)80 1199.00 (490.16) 1,689.16 (28,616.88)81 1199.00 (520.91) 1,719.91 (30,336.79)82 1199.00 (552.22) 1,751.22 (32,088.01)83 1199.00 (584.10) 1,783.10 (33,871.11)84 1199.00 (616.55) 1,815.55 (35,686.66)85 1199.00 (649.60) 1,848.60 (37,535.26)86 1199.00 (683.25) 1,882.25 (39,417.51)
87 1199.00 (717.51) 1,916.51 (41,334.02)88 1199.00 (752.40) 1,951.40 (43,285.42)89 1199.00 (787.92) 1,986.92 (45,272.34)
LICENÇAHoje 4/10/2023 43,552.490Data 4/10/2023 1.8203%
GAUSS
Valor Financiado: R$ 43,552.49
Valor da Prestação: R$ 1,199.00
Prazo: 60
Total de Pagas: 1Taxa Mensal Contrato: 1.690%Taxa Anual Contrato: 24.17%Parcela juros Simples: R$ 975.55Indice de Ponderação: 8.18610Saldo Devedor Atual: 43,068.11Diferença paga a maior: 223.45Diferença paga a maior dobro: 446.90Prazo Restante: 59Saldo Devedor Atualizado Simples: 42,844.66Saldo Devedor Atualizado Dobro: 42,621.21Parcela Recalculada: 973.26Parcela Recalculada Dobro: 968.18
N° Prestação Juros Amortização Saldo Devedor43,552.49
1 975.55 491.17 484.38 43,068.11 602 975.55 482.98 492.57 42,575.53 593 975.55 474.79 500.76 42,074.78 584 975.55 466.61 508.94 41,565.83 575 975.55 458.42 517.13 41,048.70 566 975.55 450.24 525.32 40,523.39 557 975.55 442.05 533.50 39,989.89 548 975.55 433.86 541.69 39,448.20 539 975.55 425.68 549.87 38,898.33 52
10 975.55 417.49 558.06 38,340.27 5111 975.55 409.31 566.25 37,774.02 5012 975.55 401.12 574.43 37,199.59 4913 975.55 392.93 582.62 36,616.97 4814 975.55 384.75 590.80 36,026.17 4715 975.55 376.56 598.99 35,427.18 4616 975.55 368.37 607.18 34,820.00 4517 975.55 360.19 615.36 34,204.64 4418 975.55 352.00 623.55 33,581.09 4319 975.55 343.82 631.73 32,949.36 4220 975.55 335.63 639.92 32,309.43 4121 975.55 327.44 648.11 31,661.33 4022 975.55 319.26 656.29 31,005.03 3923 975.55 311.07 664.48 30,340.56 3824 975.55 302.89 672.67 29,667.89 3725 975.55 294.70 680.85 28,987.04 3626 975.55 286.51 689.04 28,298.00 3527 975.55 278.33 697.22 27,600.78 3428 975.55 270.14 705.41 26,895.37 3329 975.55 261.96 713.60 26,181.77 3230 975.55 253.77 721.78 25,459.99 3131 975.55 245.58 729.97 24,730.02 3032 975.55 237.40 738.15 23,991.87 29
33 975.55 229.21 746.34 23,245.53 2834 975.55 221.02 754.53 22,491.00 2735 975.55 212.84 762.71 21,728.29 2636 975.55 204.65 770.90 20,957.39 2537 975.55 196.47 779.08 20,178.31 2438 975.55 188.28 787.27 19,391.04 2339 975.55 180.09 795.46 18,595.58 2240 975.55 171.91 803.64 17,791.94 2141 975.55 163.72 811.83 16,980.11 2042 975.55 155.54 820.02 16,160.09 1943 975.55 147.35 828.20 15,331.89 1844 975.55 139.16 836.39 14,495.51 1745 975.55 130.98 844.57 13,650.93 1646 975.55 122.79 852.76 12,798.17 1547 975.55 114.61 860.95 11,937.23 1448 975.55 106.42 869.13 11,068.10 1349 975.55 98.23 877.32 10,190.78 1250 975.55 90.05 885.50 9,305.27 1151 975.55 81.86 893.69 8,411.58 1052 975.55 73.67 901.88 7,509.71 953 975.55 65.49 910.06 6,599.65 854 975.55 57.30 918.25 5,681.40 755 975.55 49.12 926.43 4,754.96 656 975.55 40.93 934.62 3,820.34 557 975.55 32.74 942.81 2,877.54 458 975.55 24.56 950.99 1,926.54 359 975.55 16.37 959.18 967.36 260 975.55 8.19 967.36 - 161 975.55 - 975.55 (975.55) 062 975.55 (8.19) 983.74 (1,959.29) -163 975.55 (16.37) 991.92 (2,951.21) -264 975.55 (24.56) 1,000.11 (3,951.32) -365 975.55 (32.74) 1,008.30 (4,959.62) -466 975.55 (40.93) 1,016.48 (5,976.10) -567 975.55 (49.12) 1,024.67 (7,000.76) -668 975.55 (57.30) 1,032.85 (8,033.62) -769 975.55 (65.49) 1,041.04 (9,074.66) -870 975.55 (73.67) 1,049.23 (10,123.88) -971 975.55 (81.86) 1,057.41 (11,181.30) -1072 975.55 (90.05) 1,065.60 (12,246.89) -1173 975.55 (98.23) 1,073.78 (13,320.68) -1274 975.55 (106.42) 1,081.97 (14,402.65) -1375 975.55 (114.61) 1,090.16 (15,492.81) -1476 975.55 (122.79) 1,098.34 (16,591.15) -1577 975.55 (130.98) 1,106.53 (17,697.68) -1678 975.55 (139.16) 1,114.71 (18,812.39) -1779 975.55 (147.35) 1,122.90 (19,935.29) -1880 975.55 (155.54) 1,131.09 (21,066.38) -1981 975.55 (163.72) 1,139.27 (22,205.65) -2082 975.55 (171.91) 1,147.46 (23,353.11) -2183 975.55 (180.09) 1,155.65 (24,508.76) -2284 975.55 (188.28) 1,163.83 (25,672.59) -2385 975.55 (196.47) 1,172.02 (26,844.61) -2486 975.55 (204.65) 1,180.20 (28,024.81) -25
87 975.55 (212.84) 1,188.39 (29,213.20) -2688 975.55 (221.02) 1,196.58 (30,409.77) -2789 975.55 (229.21) 1,204.76 (31,614.54) -28
CIMA 2.014 R$ 87,714.71
BAIXO 0.49855 89.913
ENCARGO R$ 975.55
CIMA 14,980.57BAIXO 3660 1830INDICE 8.186103022
Recalculo cima 0.9971 1.9971 85565.060.9802 0.4901 1.4901 87.9159
973.260387025
Recalculo 85118.81968.184512845