Controladoria

[pic 1]

AP_II

 

MERCADO FINACEIRO E FINANCIAMENTOS BANCÁRIOS

80h_Turma_01_052016

Unidade II – Caixa Econômica Federal

Tec. Em Gestão Financeira.

Aluno: Leonice Quitéria de Oliveira da Silva

RGM: 1539126 - 4

Polo São Miguel

Analisando as tabelas abaixo verifiquei que no sistema de amortização SAC as prestações são decrescentes, e as parcelas vão diminuindo.

E no sistema PRICE as prestações são constantes.

E na PRICE as 1º prestações são maiores do que na SAC, em torno de 15 á 20%.

TABELA PRICE

Parcelas	Saldo Inicial	Juros	Saldo Atualizado	Amortização	Prestação	Saldo Devedor
1	100.000,00	682,15	100.682,15	1.354,39	2.036,54	98.645,61
2	98.645,61	672,91	99.318,52	1.363,63	2.036,54	97.281,97
3	97.281,97	663,61	97.945,58	1.372,93	2.036,54	95.909,04
4	95.909,04	654,24	96.563,28	1.382,30	2.036,54	94.526,74
5	94.526,74	644,81	95.171,55	1.391,73	2.036,54	93.135,01
6	93.135,01	635,32	93.770,33	1.401,22	2.036,54	91.733,79
7	91.733,79	625,76	92.359,55	1.410,78	2.036,54	90.323,01
8	90.323,01	616,14	90.939,14	1.420,41	2.036,54	88.902,60
9	88.902,60	606,45	89.509,05	1.430,09	2.036,54	87.472,51
10	87.472,51	596,69	88.069,20	1.439,85	2.036,54	86.032,66
11	86.032,66	586,87	86.619,53	1.449,67	2.036,54	84.582,99
12	84.582,99	576,98	85.159,97	1.459,56	2.036,54	83.123,42
13	83.123,42	567,03	83.690,45	1.469,52	2.036,54	81.653,91
14	81.653,91	557,00	82.210,91	1.479,54	2.036,54	80.174,37
15	80.174,37	546,91	80.721,28	1.489,63	2.036,54	78.684,73
16	78.684,73	536,75	79.221,48	1.499,80	2.036,54	77.184,94
17	77.184,94	526,52	77.711,45	1.510,03	2.036,54	75.674,91
18	75.674,91	516,22	76.191,13	1.520,33	2.036,54	74.154,58
19	74.154,58	505,85	74.660,43	1.530,70	2.036,54	72.623,89
20	72.623,89	495,40	73.119,29	1.541,14	2.036,54	71.082,75
21	71.082,75	484,89	71.567,64	1.551,65	2.036,54	69.531,09
22	69.531,09	474,31	70.005,40	1.562,24	2.036,54	67.968,86
23	67.968,86	463,65	68.432,51	1.572,89	2.036,54	66.395,96
24	66.395,96	452,92	66.848,88	1.583,62	2.036,54	64.812,34
25	64.812,34	442,12	65.254,46	1.594,43	2.036,54	63.217,91
26	63.217,91	431,24	63.649,16	1.605,30	2.036,54	61.612,61
27	61.612,61	420,29	62.032,90	1.616,25	2.036,54	59.996,36
28	59.996,36	409,26	60.405,62	1.627,28	2.036,54	58.369,08
29	58.369,08	398,16	58.767,25	1.638,38	2.036,54	56.730,70
30	56.730,70	386,99	57.117,69	1.649,55	2.036,54	55.081,15
31	55.081,15	375,74	55.456,88	1.660,81	2.036,54	53.420,34
32	53.420,34	364,41	53.784,75	1.672,14	2.036,54	51.748,21
33	51.748,21	353,00	52.101,21	1.683,54	2.036,54	50.064,66
34	50.064,66	341,52	50.406,18	1.695,03	2.036,54	48.369,64
35	48.369,64	329,95	48.699,59	1.706,59	2.036,54	46.663,05
36	46.663,05	318,31	46.981,36	1.718,23	2.036,54	44.944,81
37	44.944,81	306,59	45.251,41	1.729,95	2.036,54	43.214,86
38	43.214,86	294,79	43.509,65	1.741,75	2.036,54	41.473,11
39	41.473,11	282,91	41.756,02	1.753,63	2.036,54	39.719,48
40	39.719,48	270,95	39.990,42	1.765,60	2.036,54	37.953,88
41	37.953,88	258,90	38.212,78	1.777,64	2.036,54	36.176,24
42	36.176,24	246,78	36.423,01	1.789,77	2.036,54	34.386,47
43	34.386,47	234,57	34.621,04	1.801,98	2.036,54	32.584,50
44	32.584,50	222,27	32.806,77	1.814,27	2.036,54	30.770,23
45	30.770,23	209,90	30.980,13	1.826,64	2.036,54	28.943,58
46	28.943,58	197,44	29.141,02	1.839,10	2.036,54	27.104,48
47	27.104,48	184,89	27.289,37	1.851,65	2.036,54	25.252,83
48	25.252,83	172,26	25.425,09	1.864,28	2.036,54	23.388,55
49	23.388,55	159,54	23.548,09	1.877,00	2.036,54	21.511,55
50	21.511,55	146,74	21.658,29	1.889,80	2.036,54	19.621,75
51	19.621,75	133,85	19.755,60	1.902,69	2.036,54	17.719,06
52	17.719,06	120,87	17.839,93	1.915,67	2.036,54	15.803,38
53	15.803,38	107,80	15.911,19	1.928,74	2.036,54	13.874,64
54	13.874,64	94,65	13.969,29	1.941,90	2.036,54	11.932,75
55	11.932,75	81,40	12.014,15	1.955,14	2.036,54	9.977,60
56	9.977,60	68,06	10.045,66	1.968,48	2.036,54	8.009,12
57	8.009,12	54,63	8.063,76	1.981,91	2.036,54	6.027,21
58	6.027,21	41,11	6.068,33	1.995,43	2.036,54	4.031,78
59	4.031,78	27,50	4.059,29	2.009,04	2.036,54	2.022,74
60	2.022,74	13,80	2.036,54	2.022,74	2.036,54	-                       0,00

...